Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has completely failed to respond to any of my questions are statements made I. My previous complaint. Instead they trie to validate the records which is not the issue at hand. The issue is the validity of their ability to report anything to the credit bureaus without my express consent and wet paper inked signature. Again I will reintegrate. 
1. If my signature is on file giving creditor the explicit consent to furnished extremely detailed reports to consumer reporting agency I would like to receive a copy of that document for my review. 
1.a. If said document can not be provided within 15 days these alleged late payments should be removed expeditiously. Please read up on 15 USC 1681 Section 602 which states the consumer has the right to privacy. Creditor is not allowed to disclose detailed information to a consumer reporting agency without express written consent. 
1. b. Please provide written consent with a signature under consumer law where the consumer has agreed to the violation of said rights. 
1. c. If they can not provide this request document with consumer verified signature expressing full consent their claims become fruit from the poisonous tree and all transactions therefore after are thus illegal activity. Which are fraudulent activities. 15 USC 1681 Section 604 A Section 2 1. d. I demand that company provide this proof immediately as of today, failure to do so may arise in legal action against company for failing to provide authentication of consent in their furnishings. 
2.a. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose. It is illegal for the creditors report ANY detailed activities on my credit report. Creditor is only allowed to furnish information on whether a not a transaction was opened or closed. Any other information provided is a direct violation of said consumer law. Late payments are defined as detailed information and goes against consumer law codes. I never gave creditor consent to furnish any information not protected under consumer law. 

I will provide the attached documents where they did not directly answer any of my questions. Instead they tried to straw hat my argument. I will not tolerate that level of disrespect. I will continue to fight for my express rights!
Complaint sub-issue: Information belongs to someone else

Hi my name is XXXX XXXX and I'm reaching out to you all once again in regards to my credit report. I'm currently in the market to purchase a home and before I actually start the process I wonted to review my credit report. After carefully reviewing it I notice a couple of items that are not mine and I have no idea where they came from. It's kinda of scary that something like this can happen. I reported this issue to the police already and have contacted the FTC. These items are not mine and I have no idea how this happened but these items still need to be removed from my credit report : XXXX  XXXX, US DEP ED, XXXX XXXX, XXXX, XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I have been having issues with my credit report, somebody put 2 credit cards in my NAME THAT I NEVER AUTHORIZED signed for EVER! One named XXXX XXXX, the other being XXXX XXXX XXXX XXXX. I have disputed this information with the bureaus and with the company, I am a male, a female has done this without my authorization, there should only be medical bills and student loans on my credit report, I have no credit nothing in my name at all. You should all investigate what IP address was used as well as signatures used because I NEVER signed for anything. I would like to get this resolved, its reflecting on all my bureaus and hindering me, I want this to be thoroughly investigated and removed and or associated with my name immediately. I also want them deleted from each bureau and I would like an updated copy reflecting that.
Complaint sub-issue: Reporting company used your report improperly

I, XXXX XXXX am a consumer and natural person who is a victim of identity theft. Equifax, XXXX, and XXXX used and furnished my consumer report without my consent, authorization, or written instruction. These consumer agencies allowed companies to share my nonpublic personal information without my consent and also used that data to furnish. Congress confirms that the consumer has a right to PRIVACY! Equifax, XXXX, and XXXX has violated my federal right to privacy by failing to meet the needs of Congress by ensuring that they exercise their grave responsibility with respect to the confidentiality of my personal information.The FCRAs purpose is to be sure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the CONSUMERS right to PRIVACY! Equifax, XXXX, and XXXX are in direct violation of the FCRA and XXXX XXXX XXXX XXXX of 1999 by sharing and selling my nonpublic personal information without my consent.
Complaint sub-issue: Debt was result of identity theft

In XXXX of 2021, I received a notice from Hunter Warfield regarding {$200.00} in debt accrued by me from a housing complex in Florida. The debt is not mine- I have not been to Florida in 20 years, was out of the state when the alleged signing occurred and the information on the housing application contained clearly fraudulent information. I contacted Hunter Warfield immediately and told them this was a fraudulent debt. Hunter Warfield asked me to send in pertinent information, including my State ID, Passport information and to file a police report. I did all of this and sent my information into HW. HW then said they were going to investigate my claim of fraud. In XXXX, I received another notification of the " verification of debt, '' with the same fraudulent lease application. I again sent in the requested information. On XX/XX/XXXX, I received a notice from my bank notifying me that my Credit Score has a Major Derogatory about an unpaid debt from Hunter Warfield. I again called HW and they notified me that they have no record of any submissions of information from me and that my claim of fraud has been denied. They then told me they'd transfer me to the correct department only to hangup on me. I tried calling XXXX more times throughout the day and have not been able to reach an individual.
Complaint sub-issue: Didn't receive notice of right to dispute

I am writing regarding a collection account placed on my credit history that was never brought to my attention. On XXXX, XXXX 2020 I noticed a new collection account had been placed on my credit history. this account was placed by bay area credit services. This collection account has never been brought to my attention. I never received a bill, statement, collection notice or otherwise. I am willing to pay this amount if proof can be sent to me regarding the legitimacy of this account. I again request that the collection agency remove this from my credit as this is the first i have heard of this account. there are two amounts placed on my credit report and neither one of them were ever brought to my attention prior to it being reported. It is my understanding that i legally have 30 days to respond to collections before they can be reported. the amounts places for collection are XXXX and XXXX.
Complaint sub-issue: Problem with statement of dispute

I just spoke to XXXX XXXX, a supervisor, at XXXX XXXX XXXX. She is mailing me XXXX credit card statements for XXXX. According to her, the reporting of time-barred accounts is both Equifax 's and XXXX policy. She told me they will be mailed from Delaware. She also told me that of the XXXX credit reporting agencies ( they provided me information about ) on their XXXX XXXX XXXX letter, that only Equifax refused to remove it. Let me remind Equifax , the FRCA does not allow indefinite reporting of an account closed in XXXX regardless of whether it is positive or negative reporting. But, in this case this SOLE credit account is and was never owned by XXXX XXXX XXXX to begin with. This is fraudulent time-barred reporting. FCRA does not allow such reporting in XXXX for an account closed in XXXX. As the stand-alone outlier, among all XXXX agencies, it is pretty obvious that XXXX companies need to comport with FCRA. My recent Confirmation # XXXX still continues to show this time-barred account. This is illegal. I will be contacting the XXXX in Georgia, where Equifax mailed this report, and supply them with my documention to get this fraud investigated.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX Balance : {$23000.00} XXXX XXXX  XXXX Balance : {$8700.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX XXXX Balance : {$18000.00}
Complaint sub-issue: Investigation took too long

I requested a investigation into a falsely reporting tradeline with equifax , they received the request XXXX XXXX, as of today its been 37 days with no response from Equifax.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I called CBNA customer service to advise them that I did not inquire anything or apply to any cards or loan with their company. The representative gave me an adress. I mailed them a letter and yet havent received a response.
Complaint sub-issue: Account status incorrect

Back in XXXX, XXXX, I learned that XXXX XXXX XXXX  was reporting that I was delinquent on my mortgage in XXXX and XXXX of XXXX. That was not possible since I sold my house on XX/XX/XXXX. I called them to find out what the issue was. They stated that they did not receive the payment. This is also incorrect as I have a copy of the wire transfer date to the company which was dated XX/XX/XXXX @ XXXX EST. This information was provided to me by the closing attorney. I have called several times requesting to speak with a manager. I called last month and spoke with XXXX. I called today and spoke with XXXX. They both told me that a manager would call me and I never received a call nor has anyone left a message for a call back. I need them to reflect the correct information on my credit report. They need to remove the two late payments which are hindering me from securing a mortgage loan.
Complaint sub-issue: Their investigation did not fix an error on your report

In pursuant to 15 USC 1681 ( b ) and ( c ) Law, I DO NOT WANT ANY ACCOUNTS, ADDRESSES, INQUIRIES, OR PERSONAL INFORMATION, IN DISPUTE AT ALL. CORRECT IMMEDIATELY, AND EXPEDITIOUSLY!
Complaint sub-issue: Investigation took more than 30 days

I sent Equifax a 2nd written request dispute letter on XX/XX/XXXX regarding the unverified XXXX XXXX XXXX collection account on my credit report. 

This letter was sent via Certified Mail with physical Return Receipt, so I was able to verify that Equifax received the letter on XX/XX/XXXX. However, after some weeks and numerous phone calls I quickly realized they had no idea where my letter was. They continued to send me responses from my 1st written request via mail or online but those old disputes were already responded too and resolved promptly. 

Below are notes with the two Equifax reps I spoke with regarding this issue : -- -- -- - XXXX Employee ID # XXXX XX/XX/XXXX XXXX Employee ID # XXXX XX/XX/XXXX Spoke with ( Dispute supervisor ) who refused to give her last name I was told an internal complaint would be filed with the mail dept for the delay in my documents being uploaded to start the dispute status ( they have no contact with this department ) Their dispute process operates outside of the FCRA and is illegal. They don't request for documents validating the debt to the consumer in question and solely rely on the collection company saying " yes or no '' to the debt belonging to the consumer as fact. 

-- -- -- Not only did both of these reps admit that Equifax lost my letter with private personal information contained inside, they put no efforts into my dispute and would rather let it drop and hope I wouldn't pursue it anymore versus owning up to their mistake.
Complaint sub-issue: Overdrafts and overdraft fees

TCF bank has charged me {$1200.00} in overdraft fees in the last four months. The reorder of debit card transactions causes them to be able to charge several fees. Most banking institutions no longer practice this abusive way of taking advantage of their customers. XXXX  XXXX XXXX does not do this nor many large banks. I have been a customer for a very long time and do not want to have to switch all my bills and direct deposits around. I want my money back as this is extremely excessive!
Complaint sub-issue: Old information reappears or never goes away

The accounts should have been removed from my credit hence they are older that 7.5 years old. According to the Fair Credit Bureau Act they should have been removed. I have disputed them with XXXX XXXX and they said their nothing the can do about them. My accounts keep re-aging every time I dispute them. I have disputed them with the Credit bureaus ( XXXX, Equifax, and XXXX  ) and they have not removed them either. They are all reporting at different times but all of my loans were bought from Department of Education at the same time. Also my payments are on an IDR plan of {$0.00} and Im showing multiple late payments.
Complaint sub-issue: Account information incorrect

XXXX reported a late payment in XXXX to equifax. 
The acct has been closed for years, there is no way i have a late payment.
Complaint sub-issue: Their investigation did not fix an error on your report

The following information is outdated. I would like it removed from my credit history report Immediate delete this inaccurate account from my credit report a collection account is late by default therefore it can not report a late payment.

Immediate delete this inaccurate account from my credit report XXXX is reporting the date of last activity as XX/XX/XXXX XXXX  is reporting XX/XX/XXXX. It is a violation to re-age a collection account. 
Immediate delete this inaccurate account from my credit report
Complaint sub-issue: Company closed your account

US Bank has closed my credit card without notice. The credit card in question is the US Bank XXXX XXXX which comes annual fee of {$400.00} and US Bank Rewards awarded for spending. I had paid the full annual fee in XX/XX/XXXX and thus only had the card until XX/XX/XXXX. US Bank did not provide any reason for closure and informed me that their Terms and Conditions allows the closure without further notice. Respectfully, I agree that closure is stated in the Terms and Conditions, but I do not agree that the company has chosen not to reimburse my 'annual ' fee when I do not get 'annual ' benefits from the card. 

In addition, US Bank confiscated the XXXX US Bank Rewards Points. They have not provided any means for withdrawing the leftover points and are is unwilling to credit those points. Since I did not choose to close my credit card, I want to formally request my XXXX points = {$8.00} cent, and the {$400.00} annual fee that was not reimbursed upon closure. 

If US Bank chooses not to reimburse the required fees, I will be proceeding with this issue in small claims court.
Complaint sub-issue: Information belongs to someone else

I have been XXXX for the past 10 years.While XXXX  someone was using my identity to buy a car.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

XX/XX/XXXX I noticed my cash app card was missing and an unauthorized transaction on my card for the amount of XXXX I then contacted cash app as well as reported my card lost and stolen I also set up a new password as well I then received something stating that it was my fault because I allowed someone to make a phone call on my phone that I had to allow them to do it or some how involved then I responded back just because I allowed someone to use my phone doesn't mean I have anyone permission and they where making alligation that did not no was true they then stated they where going to escalate the matter and it could take up to 45 days to give the card and consumer time to respond it's been 48 days and still no resolution
Complaint sub-issue: Debt is not yours

On XXXX someone from the bureau company reached out from me saying I owe the debt I told him I didn't order that I don't even know what that is they told me they were going to take me to court assuming for the day and that I should pay it and that they would take half payment if I paid it today 50 % off
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

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.

XXXX XXXX/XX/XX/XXXX XXXX XXXX/XX/XX/XXXX XXXX/XX/XX/XXXX XX/XX/XXXX XXXX/XX/XX/XXXX There is no reason for these inquiries to be on my report, I have not supplied my ssn for a job, neither a court judgment, no child support cases etc. I have credit monitoring through XXXX and it shows that my information was compromised on the dark web. I would appreciate your help in getting these unrecognized, unauthorized inquiries and fraudulent inquiries off of my report.
Complaint sub-issue: Reporting company used your report improperly

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

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

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. Sec.1681i ( a ), you must complete this reinvestigation within 30 days of receipt of my letter. ( No investigation done ) My letters attached.
Complaint sub-issue: Account status incorrect

I had received forbearance on my student loans through Fedloan, but they refuse to update their reporting to indicate such. As per Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act and the FTC 's published opinion of that section, they are obligated to update that information. Forbearance acknowledges that no payments were due for that time period, and as per the FCRA and the FTC 's opinion on it's interpretation, Fedloan must reflect that status with its reporting of me. I have received forbearance for the period of XXXX XX/XX/XXXX as well as XX/XX/XXXX through the current date, and have letters and documentation from Fedloan indicating such. Despite trying to work with Fedloan multiple times, they have not admitted this obligation due to me as a creditor and refused to accurately report these accounts. This is preventing me from finding housing and unfairly adversely affecting my life.