Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Transaction was not authorized

I received a letter dated XX/XX/XXXX from BB & T about my account # XXXX stating that they were changing my fixed rate. This account came from XXXX XXXX XXXX XXXX XXXXXXXX years ago it had a fixed rate of 6.5 % and was guaranteed never to go below that. XXXX XXXX XXXX XXXX XXXXXXXX failed and was acquired by XXXX XXXX in XX/XX/XXXX. They tried to lower the interest rate on these accounts but the FDIC ruled that they could not. Later XXXX XXXX was acquired by BB & T who has paid the 6.5 % interest since they acquired XXXX XXXXXXXX which was many years ago. Now after paying this rate from the time they acquired XXXX XXXXXXXX they want to change it but that was not the guarantee that XXXX XXXXXXXX XXXX XXXX made. Since the FDIC ruled that XXXX XXXXXXXX must pay the 6.5 % a.p.r. why are we having to go through this problem again. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Phone XXXX E-mail XXXX Thanks for you looking into this for me.
Complaint sub-issue: Account information incorrect

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX
Complaint sub-issue: Debt was result of identity theft

Since XXXX, these items have been on my credit report and have robbed me of my financial freedom and have resulted in increased interest rates and expenses unfairly to me. For many years I have responded phone calls to provide proof of ownership, with no responses. 

Recently, from XX/XX/XXXX until XX/XX/XXXX I have written letters to these creditors and credit bureaus to remove the false information from my credit report. They have either not answered or have said that this was verified as accurate with out providing my signature, full account numbers or providing proof that these were my accounts. 

XXXX XXXX  allege I owe {$2500.00} XXXX XXXX XXXX XXXX  allege I owe {$5200.00} XXXX allege I owe {$9600.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I was a victim of identity theft. Upon realizing that this had happened after pulling my credit report for the first time a couple years ago, I realized that there were items on my report that I had no idea what they were. I immediately searched for the name of the companies and guidance on how to resolve this matter. I was directed to the FTC to file a report that would remove these accounts from my credit report ( s ). The report would also serve as my " police report '' hence the accounts are out of the limitation to be handled by the local authorities ( per the pd ). One of the accounts was changed quite a few times. Two of the three reporting agencies updated my report very quickly, removing all of the items that were on my FTC report. XXXX  was the easiest and most helpful. XXXX has been accessible but some of the items took a while to remove. The 3rd ( that this complaint is about ) is Equifax. They keep checking my disputes ( which take fairly long ) and come back saying that they are mine. I called them so many times to explain that the other reporting agencies have deleted them and to check my FTC claim. When I further explain that the company went from one company name to another, they don't understand why I am upset because they removed the old accounts under the old name, but left the same accounts with the newer name. When i call to further explain or complain, they ask me a series of questions that are for my protection as they claim ... .the problem is, and I tell them this, the questions they ask are about accounts on my credit file that DO NOT BELONG TO ME, therefore i can not answer them. I give them all information about accounts that are mine and still cant get any headway with them. I don't understand how 2 out of the 3 are updated to reflect my actual accounts, but this company can not get on the same page. I have been dealing with this for a couple years now and it is really hindering my score & affecting my ability to do anything that pulls from Equifax. When i call them, they are like robots ... they do not listen or try to help when i say things like i don't own the accounts that you are asking me about so i can not answer them. If they delete the original accounts, why do they keep the same accounts that just changed names or hand offs?? I am also including the information that i sent to the companies reporting info to the credit bureau 's. I am being penalized and harassed by collectors for things that are not mine.
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX SSN : XXXX | DOB : XX/XX/XXXX XXXX XXXX XXXX . XXXX # XXXX XXXX, XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify  these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account and items Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Not my name XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, FL XXXX Not my address XXXX XXXX XXXX XXXX, CA XXXX Not my address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX Not my address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Not my address * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Complaint sub-issue: Talked to a third-party about your debt

Theyve contacted numerous persons of relation and also close friends, in attempt to collect debt on a consumer.
Complaint sub-issue: Can't temporarily delay making payments

I notified Sallie Mae in XX/XX/2019 that I was enrolled in a university program by uploading the documents they included on their website once my university filled it out confirming my enrollment status and what dates I was likely to be enrolled. Sallie Mae sent me a generic rejection letter on XX/XX/2019 ultimately saying that the form -- their own form which was completely filled out -- was rejected for possibly a number of reasons. So after a call to them I discovered that the reason they rejected it was because the school official electronically signed the paper instead of paper signing it, even though they maintain an option to upload this document electronically and give no upfront mention of this requirement ahead of time. They have still been charging me and I have been paying them until recently when the pandemic started to negatively affect my finances. So, in XXXX of this year I had the form redone but this time Sallie Mae rejected it stating that it wasn't filled out by an authorized school official -- -even though the same information was included on the previous one as well. Requiring someone to go in person to the school, even though all my classes are online and all my other business for the school is done electronically, for a signature that can be obtained multiple ways with our technology is unnecessarily reckless and dangerous in the current pandemic. I accuse them of being predatory by refusing to acknowledge my in school enrollment on their own completed form and of continuing to charge me for loans that should've been deferred months ago.
Complaint sub-issue: Account status incorrect

I have disputed this account many times with all XXXX credit bureus. This account has never been verifiable and is reporting different account statuses and amounts on each one of my reports. Equifax shows {$6500.00} and closed and XXXX shows {$6500.00} and open. By law the FCRA states all information has to be 100 % verifiable and accurate. This account is not following the law.
Complaint sub-issue: Deposits and withdrawals

I had a pending transaction/bill payment from  XXXX   XXXX , I then transferred the amount to cover the cost from an external account/ Bank  XXXX   XXXX   XXXX   XXXX   . B oth transactions were simultaneously in Pending status Tuesday. The bank then used predatory measures and charged me an unwarranted  XXXX  overdraft fee. The overdraft fee then put me in the negative {$9.00}. I would like this published.  XXXX  consumer unfriendly/ predatory lending way is not only unsavory but creates financial hardships on the, POOR consumers they draw on to sustain their institution.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Account status incorrect

Please see attached. This account is past the statue of limitations to collect on this debt.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX Account number XXXX 15 U.S.C 1681 Section 602 A Section States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing the following items of information. Any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information is not mine

I had a fraud alert and a consumer statement on my credit file and Equifax is reporting unauthorized inquiries on my credit file that I do not have an account with. I advised them this in writing and they have never sent document-able proof with my signature authorizing these creditors to pull my credit file. The following inquiries are inaccurate and unauthorized : XXXX THEXXXXBANK
Complaint sub-issue: Old information reappears or never goes away

I have requested multiple times to have a personal statement that I added to my Equifax credit report removed. 

I have tried numerous times via Equifax 's website and I have sent ( 2 ) certified letters to have the statement, that I added, removed. 

This has been going on for nearly two years. Please remove the personal statement. 

What I am attaching is the " proof '' from the second certified letter I sent them. The first letter was sent in XX/XX/2018.
Complaint sub-issue: Public record information inaccurate

I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information and other furnished XXXX XXXX, Corelogic, XXXX and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply.
Complaint sub-issue: Their investigation did not fix an error on your report

i have contacted all XXXX credit bureaus as well as XXXXXXXX XXXX XXXXXXXX 7 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$310.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be...
Complaint sub-issue: Reinserted previously deleted info

I 've mailed Equifax a certified letter for validation of debts. I 've requested the information stating it belongs to me, however they have not sent me anything stating any debts belong to me and have claimed to validate. I 've been having this problem for a while and will like this to be resolved
Complaint sub-issue: Information belongs to someone else

XXXX/XXXX  is reporting incorrectly to Equifax ; XXXX   and XXXX  a balance due of {$800.00} on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me and was opened fraudulently. I have contacted XXXX and filed a report that this account has been opened fraudulently. I do not now, nor have I had in the past, an account with XXXX. I have tried numerous times since to reach XXXX to remove this account from my name however, I have not been successful. This false reporting of an account with a balance due, that does not belong to me, is seriously harming my credit score. I have also contacted the bureaus to remove this line item however, I have not successful in this endeavor either.
Complaint sub-issue: Information belongs to someone else

These are fraudulent accounts and need to be removed ... .please be advised that I have supplied all the proper documentation ... ..see below : Account Numbers : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$490.00} XXXX/DEPT OF ED # XXXX {$17000.00} XXXX XXXX XXXX XXXX # XXXX {$810.00} XXXX XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX XXXX # XXXX {$15000.00} XXXX/XXXX  # XXXX {$510.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX {$2400.00} XXXX XXXX XXXX ( XXXX XXXX ) # XXXX {$1800.00} XXXX XXXX XXXX # XXXX {$630.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia [ XXXX ] XXXX  Fraud Victim Assistance Department XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  XXXX XXXX # XXXX {$490.00} XXXX/DEPT OF ED # XXXX {$17000.00} XXXX  XXXX XXXX XXXX # XXXX {$810.00} XXXX XXXX XXXX  # XXXX {$420.00} XXXX XXXX XXXX  /XXXX  XXXX # XXXX {$15000.00} XXXX/XXXX  # XXXX {$510.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) # XXXX {$2400.00} XXXX XXXX XXXX ( XXXX XXXX ) # XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$630.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX XXXX. XXXX  XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s )  that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX  XXXX XXXX # XXXX {$490.00} XXXX/DEPT OF ED # XXXX {$17000.00} XXXX  XXXX XXXX XXXX # XXXX {$810.00} XXXX XXXX XXXX  # XXXX {$420.00} XXXX XXXX XXXX  /XXXX XXXX # XXXX {$15000.00} XXXX/XXXX  # XXXX {$510.00} XXXX XXXX XXXX ( XXXX XXXX XXXX ) # XXXX {$2400.00} XXXX XXXX XXXX ( XXXX XXXX ) # XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$630.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX-XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Attempted to collect wrong amount

Jefferson Capital Systems LLC owned a account from XXXX XXXX in the amount of {$1600.00}. This account is 8 years old. I disputed this account not once but twice the last time being in mid XXXX of XXXX, I went to call them & they said they could not talk to me as this account was being serviced by XXXX XXXX  on behalf of Jefferson Capital Systems. XXXX still owned the account though. I asked for the verified info from XXXX they said they would send it & they also told me I could settle for {$1000.00}. Today on XX/XX/2022 I called XXXX & they informed me that the account had been sent back to them but they owned the account the entire time & that XXXX could only process payments & not send out verified information. The payment option that XXXX gave me was different than the XXXX option that I got back in XXXX. So in one week I was told to call a different ( XXXX ) company, got a payment option from that company, sent back to the original company ( XXXX ), asked for the original contract with XXXX with my signature on it & all the documents XXXX had with my name on it. After going back & forth & being transferred 4 times I got a supervisor on the phone. His name was XXXX with Jefferson Capital Systems ID # XXXX. He informed me the account would be removed in full. I have a witness to this phone conversation & was on a recorded line.
Complaint sub-issue: Didn't receive enough information to verify debt

AES has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Complaint sub-issue: Information belongs to someone else

Equifax had two breaches in XXXX and XXXX and my personal contact information was compromised and used to open and make hard inquiries on my credit report. All the inquiries were made fraudulently one day after the next and made all for Telecom/Cable providers out of state. I reside and work in CA. I have called to have them removed and deleted a few have and others return that are factual. The only valid and accurate inquiries are attached to a credit card i have initiated and opened. The following inquiries show only on Equifax and not the other two credit bureaus. I even had a collections that came from the fraud inquiries and those were investigated and deleted but the inquiries are still on my report. 
XXXX XXXX XXXX XXXX, NV made on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, TX made on XX/XX/XXXX and XX/XX/XXXX XXXX ( Two made duplicates ) XXXX XXXX XXXX CO made on XX/XX/XXXX XXXX XXXX CA made on XX/XX/XXXX XXXX XXXX XXXX TN XX/XX/XXXX I have called and written letters to the creditors directly to dispute and provide me proof/ documentation, legal signature that I have authorized these inquiries to be made on my behalf. The list above are all are misc inquiries for services that I have never done business or requested from CA. 

I would like these items removed, I shouldn't be penalized for something I have never done ir inaccuracies to my reporting. The dates and activity of the inquiries above is suspicious on the occurrence when they were initiated one day after the next in the same month and years of the breach. Equifax offered credit monitoring and credit freeze for a year there after but this doesn't fix the damage it has caused or fixed the problem of the individuals personal information getting compromised. 

I look forward to someone helping get a final resolution on getting this fixed. I have also researched on the internet that others got similar breaches around the same period. 

Best, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX
Complaint sub-issue: Debt is not mine

Before leaving XXXX, VA per my military order to XXXX, XXXX on XX/XX/2014, I personally and physically stopped by a XXXX Authorized store on XXXX, to present my military order and to deactivate my wireless services by XX/XX/2014. The answer I got at that time from XXXX that my wireless services will be put on " HOLD, '' until I come back XXXX, without any penalty nor charges. 
However, I sadly saw a collection account on my credit report under EOS CCA with a balance of {$990.00}. 
I am an XXXX XXXX XXXX XXXX, XXXX in XXXX, so the best communication is via email.
Complaint sub-issue: Was not notified of investigation status or results

It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over XXXX days with no compliance to the Fair Credit Reporting Act XXXX FCRA XXXX XXXX. XXXX ) enacted by the United States XXXX. By their findings, it is now my legal right to have these accounts and inquiries XXXX FCRA XXXX XXXX. XXXX ) removed. 
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Complaint sub-issue: Old information reappears or never goes away

Since the last three years several accounts keep reappearing on my credit report after filing disputes. Several paid off accounts. Student loans history as well that were consolidation. In addition, I have a fraud alter on my report and i still get plenty of inquiries.
Complaint sub-issue: Reporting company used your report improperly

I checked my consumer report and I noticed inaccurate information on my consumer report I have notified Equifax to correct and remedy this situation be they are being negligent in their efforts to correct and remedy these issues
Complaint sub-issue: Problem accessing account

Ally will not answer phone, no matter when I call they put me on hold and say there is a 6 min. wait time,6min. go by and they say again there is a 6min. wait time.I am unable to withdraw money that I need.