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

XXXX XXXX has repeatly changed the XXXX of alleged 30 day late payment, first it was XXXX and now XXXX. I have the invoice showing that no payment was late in XXXX. Please assist and instruct XXXX XXXX to delete my account as I have refinanced due to the damage caused by their reporting system of reporting and rereporting several times. Thank You, for your office 's assistance.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX 's reported my credit card had late payments. I never made a late payment and requested written documentationXXXX I therefore closed the account. I need to have the late removed from credit immediately.
Complaint sub-issue: Card opened as result of identity theft or fraud

After speaking with XXXX and being threatened with jail, I am still suffering from this account being on my credit report. I have never done any sort of business with Elan Financial.  I have told them several times that the account does not belong to me and they insist on continuing to report to the credit bureaus that this account is accurate.
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/19 I tried to retrieve dispute results and view my credit report on Equifax 's website to find out that Equifax has blocked me all access to my dispute status and my current credit report from its website. Prior to me filling a complaint with the CFPB everything worked totally fine. 

I filed a complaint with the CFPB on XX/XX/19 because Equifax refused to address fraudulent data on my credit report. Equifax has constantly ignored my request to remove inaccurate information and now has punished me to be able to view my information real time because I filed a complaint against them.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters last XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX  XXXX XXXX Reference # XXXX Balance {$0.00} XXXX XXXX XXXX XXXX : {$1700.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance XXXX {$24000.00} ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$95.00} XXXX XXXX XXXX XXXX # XXXX Asset Amount : {$0.00}
Complaint sub-issue: Information belongs to someone else

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.. XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX, XXXX XXXX-XXXX, XXXX   XXXX XXXX
Complaint sub-issue: Didn't receive terms that were advertised

Dear Sir or Madam, I opened a chec king and a saving account with Citibank in   XXXX   2016 : - As a new consumer, I was supposed to receive  XXXX  $ after a period of 120 days following the opening of the account. It was an offer that they advertised on their website, and I signed up for it when I opened the accounts - I complied with all the conditions ( amount to put on the account, etc. ) - I reached out to my personal banker many times about it. He said that City bank was having " IT problems '' and that the transfer could not be completed. They are now 4 months late, and I can not imagine that a multinational like Citibank would have " IT problem '' for 4 months - I would need your help to force Citibank comply with what they advertise Thank you
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, and 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card or auto account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Investigation took more than 30 days

I am distressed that you have included XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX information in my credit profile on XX/XX/XXXX and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Under the Federal law : I respectfully sent in notarized and certified letters on XXXX, XXXX and still no response. Also, please add a promotional suppression to my credit file. 


Thank you,
Complaint sub-issue: Was not notified of investigation status or results

I am filing this complaint in hopes that I can get some assistance in reaching these credit bureaus. They are unlawfully reporting late and missed payments on my credit report during the pandemic. I wasn't able to work during those times when the payments were missed and they aren't giving any consideration. These companies are in violation of The Coronavirus Aid Relief and Economic Security ( ChChch ) Act passed by Congress and signed into law on XX/XX/2020. I have submitted my compliant over a month ago and still haven't gotten any results. Please help me get these accounts updated and get my credit back on track.
Complaint sub-issue: Account information incorrect

My previous complaint # XXXX was closed without me answering back to this company. It is not fair that i am not allowed to also respond back and my comp [ lain is simply closed when i belive my rights have been violated.. i am putting in another complaint with my response. Below is my original complaint. Flagship Credit Acceptance wrote the CFPB back with a response and documentation which i attached. 

I wrote Flagship Credit Acceptance in regards to a repo listed on my report. I am not denying the account however i do not believe the amount they are claiming i owe is correct. They are reporting an amount on my credit report that is not accurate. I was never sent any letter in the mail in-regards to the sale of the vehicle. i was never sent a detail breakdown / deficiency balance nor was i sent any documents showing the fees or how much they received from the sale of this vehicle. They sent me statements of my payments when i did have the car but not the original letter with the sale. I believe state laws do require that a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time was adhered to. When the car was sold these documents was never sent to me.
Complaint sub-issue: Account status incorrect

Payments are showing late. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Have disputed with all 3 bureaus with no response.
Complaint sub-issue: Confusing or misleading advertising about the credit card

On XXXX XXXX 2017, I made a purchase at Sears, located at XXXX XXXX XXXX in XXXX, Oregon. At the check out, the clerk mentioned that I could save {$20.00} if I signed up for a Sears card. I specifically asked the clerk whether or not the card was a credit card, or simply a store discount card. The clerk explicitly said, " this is NOT a credit card, it just gets you discounts on Sears products. '' I made it very clear that I was NOT interested if it was a credit card, and he again assured me that it was not.
After providing my information for the card, and going through the checkout process, I asked him how much I owed him. He said, the balance had been put on my card. I then forced him to remove the charge to the card and I paid with cash. While I paid in cash, it must be noted that the clerk made no indication that he was initially putting the charge on the card. In this way, he made a charge on the card without my consent. This is clear violation of the Electronic Funds Transfer Act. Please also note, that after the charge had been made to the card, the clerk said he could only reverse the charge if payment was made in the form of cash or check. Had I not had the cash or check, I would have been stuck with this unauthorized charge on a credit card I never knowingly signed up for.
Days after these events, I received in the mail, a Sears MasterCard, or in other words a credit card.
I contacted Sears via email requesting that my " Sears credit card '' be terminated. I have never received a response from Sears.
Please note the current XXXX XXXX XXXX lawsuit involving similar misleading and deceiving credit card marketing tactics.
Complaint sub-issue: Problem getting your free annual credit report

My social security number, birth date and other unique personal information is potentially at risk of being exposed. This is a consequence of the Equifax data breach that was widely reported, XXXX. I went to the FTC online link to see what precautions I should take : I froze my credit files at Equifax, XXXX and XXXX from their online sites, XXXX. 
I went to XXXX, XXXX, to secure copies of my current credit report and was able to obtain these reports from XXXX and XXXX. Equifax was unable to do this electronically directed me back to annualcreditreport site to print out an Annual Credit Report Request Form to mail it to the XXXX XXXX XXXX XXXX in XXXX. I completed the form, XXXX, with my unique personal identifying data and mailed it off certified mail, return receipt. 

Frankly, this is XXXX Equifax but my personal data at risk for exposure. They provided a website to identify those at risk along with a scam offer. That really does nothing more than make them some money, yet providing no long term help for those exposed. The other credit reporting agencies provided reports instantly upon request, but Equifax could n't. Honestly, this is really poor XXXX XXXX XXXX from Equifax. 

Perhaps the CFPB next project should be Equifax?
Complaint sub-issue: Their investigation did not fix an error on your report

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX CITY, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Complaint sub-issue: Right to dispute notice not received

I sent a written a communication to this collection agency. The letter was returned through postage stating address unable to find. No ability to dispute claim given.
Complaint sub-issue: Didn't receive advertised or promotional terms

Best Buy would not honor an advertised XXXX promotional discount that was offered on the XXXX dishwasher I purchased. 

I was charged {$140.00} for an installation fee on a dishwasher that was advertised as free installation. On top of being charged for a fee that was advertised as as a free installation, the dishwasher purchased was defective. This resulted in the dishwasher needing to be replaced -- and I was charged a second installation fee! 

Best Buy in no way honored the advertised XXXX promotion, and on top of that charged me to replace a defective dishwasher that they sold me. So I have paid a total of {$300.00} for an installation fee for a dishwasher that was advertised as free. 

My attempts to resolve this with Best Buy support have been unsuccessful. The first time, they closed my dispute with no notice or even input from me. Then when I got them to reopen my support inquiry, they threatened me saying that the only way this issue could be resolved was thru the legal system. They are requesting that I track down and send them store promotional adverts to prove that was the offer. They did not even make an attempt to verify this within their own stores, which can clearly be documented with the time stamps of my purchase and their in-store promotions for the store. 

TImeline : XXXX '' Front Control dishwasher purchased XX/XX/XXXX SKU XXXX with promotion of free installation Item defective Exchanged by BB on XX/XX/XXXX - 2nd XXXX with no hot water hookup. XX/XX/XXXX Management offered to replace with in stock XXXX SKU XXXX. Because the XXXX retail was several XXXX  $ higher, they offered to decrease the cost by {$200.00}. However, they charged {$140.00} to install. 

Dispute initiated by me XX/XX/XXXX - XX/XX/XXXX Citi bank electronic " since you have excepted the {$520.00} transaction, we have closed our investigation. 

XX/XX/XXXX I disputed the replacement for the defective dishwasher and the 2nd {$140.00} charge. Citi bank re-opened. XX/XX/XXXX action requested from Citi bank. I called the number provided and an account specialist, XXXX told me that I received a {$200.00} credit on the XXXX. I explain the credit was because management offered to replace with an in stock dishwasher that was {$200.00} than what I purchased. I was billed a 2nd {$140.00} to have it installed. 

XX/XX/XXXX Citi 's specialist, XXXX informed me that this is a legal claim and I must provide them with documentation to support my claim that the XXXX had a promotion of free install. 
I asked them to review XXXX XXXX promotions at the time of purchase to support my claim. XXXX declined and again, put the burden of proof on me to present them with documentation.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX XXXX and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and Equifax with no successful resolution. XXXX, Equifax and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have 6 hard inquires on my report that I do not recognize. I tried to explain to 3 bureaus and the creditors that I didnt recognize them and that they shouldnt be on there. They continue to tell me they cant do anything are all 6 are hard inquires so its hurting my credit. I need them gone as soon as possible. I also sent credit letter to the 3 bureaus and credit to dispute negative items and they have not been responding. Its almost been 2 months. I NEED THEM GONE NOW SO I CAN GET FUNDED FOR MY BUSINESS!!!
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX Equifax RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. It saddened me to learn that you somehow verified the disputed item, electing to leave it on my report. After previously delete at the item and then added it back on without sending proper notifications! 

I am absolutely certain that the item I disputed should be permanently removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence! Who did you speak with at the United state bankruptcy court in XXXX Minnesota. Please provide a copy of what information did the US Bankruptcy court provided to you that would have made you reinsert the chapter XXXX public record?? They are the furniture of this information so they mustve supplied you with some type of information that wouldve made you put it back on the report after deletion! You keep saying XXXX and the pacer system but they are 3rd party. Per the FCRA this information must and shall only be verified with the furnishing company and that is the United States Bankruptcy Court, XXXX! 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate violation of the FCRA Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

There are 3 accounts that are reporting on my consumer report that are in violation and this is a Violation of my Consumer Rights as a Federally Protected Consumer. Because of these violations, I demand that all 3 of these accounts be removed/deleted from my consumer reports. I Called XXXX, XXXX, and Equifax XX/XX/2021 and all 3 bureaus said that there is no such law and they dont have to remove anything. I explained My Consumer Rights and the laws they are in violation of but I am not being taken seriously.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX # XXXX is past the Statute of Limitations in Idaho, however it is still reporting to my credit. I no longer owe this debt and I would like it to be removed off of my credit report.
Complaint sub-issue: Fee problem

I will like to report the unethical practices of PNC Bank and how they deliberately re-arranged and backdated my transactions in order to charge fees to my account. My account was charged and debited multiple times and I called my branch and Customer Service over 7 times to complain. They escalated to the Executive Escalation Department and I even wrote twice to Ms. XXXX XXXX and left 5 messages. She eventually spoke with me and was totally unhelpful, claiming that the bank was right in charging me. Her attitude was that there was nothing I could do since it's just me against a big company! She arrogantly told me to go ahead and escalate to the authorities. 
I had funds in my account as at XXXX XXXX, XXXX and I did 3 transactions with a positive balance of {$3.00} at the end of the day. On XX/XX/XXXX, 2 payments hit my account and before I could deposit more funds into it, PNC charged me overdraft fees 5 times for the 3 transactions I did the day before plus the 2 new ones! That is $ XXXX {$180.00}. This is so very fraudulent and unethical! I had a positive balance as at end of day on XX/XX/XXXX. 
I have attached relevant receipts and account activity reports. 

Also, on XX/XX/XXXX at XXXX, I got an alert from PNC Bank that my account was overdrawn by {$54.00} due to a payment. I deposited {$200.00} CASH through a PNC ATM at XXXX on the same day. PNC deliberately kept my cash deposit pending from XX/XX/XXXX to XX/XX/XXXX and proceeded to charge me {$36.00} as overdraft fees! I called Customer Service again and they said they couldn't do anything about it! 
It is so totally unfair for the bank to defraud its customers this way. There was no reason to pend my cash deposit for TWO DAYS, especially since I used a PNC ATM. Even their overdraft alert notice states clearly that you can make a cash deposit through their ATM to avoid any fees. 
PNC Bank can program their system to debit customers in a chronological order. Transactions should be posted as they occur instead of re-arranging transactions to ensure that customers accounts can be charged unnecessarily for overdraft fees. PNC sends account balance transaction alerts after every transaction, so how come they send one balance to customers and claim that there is a different balance in their system? This is just an excuse for their malpractices. The same system can not be showing multiple balances unless it is deliberately rigged to ensure that unsuspecting customers are charged fees fraudulently! 
I am requesting that my complaint should be investigated and the bank should REFUND all the fraudulent fees they charged to my account. The bank officials feel that they are too big to be reported or to get consequences for their unethical behavior. Please intervene. Thank you.