Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time.
Complaint sub-issue: Account information incorrect

I requested a car loan. I received a letter from XXXX XXXX   stating our XXXX XXXX credit score was XXXX. 
My credit score from Sagestream LLC was XXXX. 
How can they possible have such a lower score than the other three reporting credit bureau 's? 
I do not think this was fair and I think they have a lot of errors. 
This is not a reputable credit reporting agency and I do not feel they should have consumers private information.
Complaint sub-issue: Debt is not mine

Citibank ( Best Buy ) has called my home multiple times a day for the last week. They are trying to locate a man named XXXX XXXX XXXX. Although I have had my phone number for eight years, the number did, at one time, belong to XXXX XXXX and his wife XXXX. Over the years I have received a number of debt calls for this couple but when I 've informed the debt collectors that I am not a member of the XXXX family and I do not know them, the calls have stopped. Unfortunately, the calls from Citibank have continued. When I complained to them, they told me that their system shows that my number is the incorrect number for XXXX XXXX but they said it will take a little time for their dialer to catch up. I want the calls to stop. I do n't care that their dialer needs to catch up. This is not my debt and the calls need to stop immediately!
Complaint sub-issue: Their investigation did not fix an error on your report

A collection was reported to Equifax credit bureau by XXXX XXXX XXXX in error. I called the collection agency and the agreed to delete the wrong data with all credit bureau. I have a letter directly from XXXX XXXX XXXX confirming account to be deleted I disputed the account with Equifax three times using the letter. All three time the investigation results came back stating account has been verified as accurate. I even tried calling the dispute department but they told me the system can not authenticate me as a caller, even after I gave them scanned my drivers license and a self picture. 

I'm attaching the letter from the collections agency showing they requested account to be deleted.
Complaint sub-issue: Not given enough info to verify debt

A company by the name of AFNI has reported a collection debt on my credit report as in collection, but has made no attempt to contact me either by phone or mail so this debt can be settled
Complaint sub-issue: Information belongs to someone else

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX TX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX  XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and noone was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

As a consumer, I have sent numerous certified mail disputes as well as completed several strong factual disputes of errors reporting incorrectly on my credit report and requested deletion of these accounts due to these inaccuracies. Accounts remained on my credit file. I sent in 2 method of verification letters for an explanation on how these accounts were verified as accurate and whom they verified the information with. They had 15 days to respond with that information but due to the pandemic I allowed extra time. I recieved dispute results today with the same errors and FCRA violations being reported previously. Clearly there is no human investigation going on and that this process is automated. As a consumer, my credit file is supposed to be 100 % complete and accurate. I would like to demand that the following accounts being reported incorrectly be DELETED from my credit file IMMEDIATELY. 

1. Dept. Of Veteran Affairs ( 3 accounts ) because method of verification was never recieved, notice of dispute never entered for the account with a high balance of {$2700.00}. That same account is reporting as 120 days late which is inaccurate due to payment being made on XX/XX/2021. These accounts are not reporting the same date of last payment or account rating info across all 3 credit reporting agencies, and accounts show late payments reported when the accounts were a collection, there was no contract or agreement ever signed for these debt amounts. Request creditor provide the contract with the monthly terms and payment due dates to prove I was late. Please delete these accounts immediately from credit file due to these blatant inaccuracies.

3. Dept. Of Ed/XXXX ( 2 accounts ) because requested method of verification was never recieved, account is missing notice of dispute status, Both accounts are reporting 90 day late payments with no prior 30 or 60 day late payments immediately prior. This is a FCRA violation. Proof of missed payments never supplied by Equifax. Please delete all these inaccurate late payments immediately! Per FCRA E OSCAR verification is not sufficient.
Complaint sub-issue: Reporting company used your report improperly

The credit agency continue to replace a fraudulent account that going from one entity to another with out premission or consent to share private information and reports these this company even though there is no lawful contract or even consent for the party to have private information. Ive sent cease and desist and deletion testimony to the partys and all they do is remove one then allow and other company to report this fraudulent and unlawfully information and now is resulting in identify theift the because I never gave consent or permission for these other agencies to share private information
Complaint sub-issue: Debt was result of identity theft

I have communicated with Home Depot Credit Services and their security team on multiple occasions explaining I was a victim of identity fraud. I provided them with the police report and have cooperated by providing them with as much information as I can. These are the people and dates below : XX/XX/XXXX XXXX XXXX spoke with XXXX ; XX/XX/XXXX at XXXX XXXX. spoke with XXXX ; XX/XX/XXXX at XXXX XXXX spoke with XXXX and confirmed they had police report. XXXX at XXXX spoke with XXXX and conveyed I continue to get harassed with phone calls even after provided police report. on XXXX at XXXX XXXX. spoke with XXXX and was left on hold for 11 ; 02 minutes and then I finally hung up. On XX/XX/XXXX at XXXX XXXX  I spoke with XXXX as I received a letter stating that their investigation does not support my claim was fraudulently opened. This was the second time I received a letter stating that my case was closed. XXXX has reopened the case. I informed her I would be reported them to the Federal consumer protection organization. 

The police have informed me that this case is not closed and is still considered fraud based on their investigations and information I provided.
Complaint sub-issue: Reinserted previously deleted info

A account from XXXX XXXX XXXX and a collection account from XXXX XXXX appeared on my credit as well as several fraudulent accounts. I disputed the trade lines with Equifax and supplied them with a copy of my police report, the XXXX accounts were removed. However, Equifax re- inserted the entries without informing me- when the accounts do not belong to me.
Complaint sub-issue: Deposits and withdrawals

I am having PNC Bank business checking account since XXXX of this year. ACH is always an issue. For some weird reasons, PNC blocked my ACH transactions. 

On XXXX XX/XX/2022, I called XXXX during XXXX to XXXX XXXX  central time. After 20+ minutes of wait ... one lady took all the information and asked me to wait. After 5-8 minutes, I was put in the queue all over again.

If PNC is short on customer service and customer service is not efficient then why to cause issues which requires customers to call customer service? 

Sent email to XXXX but even after 5 days no response from her.
Complaint sub-issue: Information belongs to someone else

These credit transactions have been reported and furnished without my consent and its mandatory that they keep my written consent and can verify that me the original creditor and natural person can verify the information. I was also never given my right to opt out As per 15 USC 6827 ( 3 ) " The term document means any information in any form. '' The provisions of 15 USC 6801 ( a ) require financial institutions to notify consumes of their information sharing practices and provide for a right to opt out of certain sharing, In the above-mentioned Consumer Credit Transaction , without giving me the opportunity to opt-out, your institution furnished my nonpublic personal information to nonaffiliated third parties ( XXXX XXXX, Equifax XXXX XXXX ) XXXX 

According to 15 USC 6809 ( 4 ) ( A ). The term " nonpublic personal information '' means personally identifiable financial information Provided by a consumer to a financial institution Resulting from any transaction with the consumer or any service performed for the consumer ; or Otherwise obtained by the financial institution.

Further, pursuant to 15 USC 6809 ( 5 ) the term " nonaffiliated third party '' means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution. 

Therefore, as per the literal interpretation, the organization named XXXX, Equifax, and XXXX are nonaffiliated third parties and your institution has violated the provisions of 15 USC 6802. 

In case your Company admits that the organization named XXXX, Equifax, and XXXX is affiliated, it has still violated the provisions of FCRA ( Fair Credit Reporting Act ). 


UNDER 15 USC 1681a ( d ) ( 2 ) ( A ) ( ii ), the Consumer Report will not include any information communicated among persons related by common ownership or affiliated by corporate control.

Further, 15 USC 1681a ( d ) ( 2 ) ( A ) ( ill ) states that if the Company wants to communicate other information among persons related by common ownership or affiliated by corporate control, it shall be clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer shall be given the opportunity to direct that such information not be communicated among such persons. 

Therefore, your Company has not only infringed my right to privacy but also violated multiple Federal Laws. 

I hereby request you to remove the below-mentioned information from my Consumer Report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX AND XXXX XXXX XXXX XXXX DELETE THESE ACCOUNTS AT ONCE AND ALSO PROVIDE THE WRITTEN CONSENT THAT IS MANDATORY TO HAVE ON FILE ACCORDING TO YOUR DATA SHARING POLICY.
Complaint sub-issue: Was not notified of investigation status or results

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : This account is in violation OF 15u.s code 1681A consumer right to privacy this bankruptcy shouldn't be on my credit/consumer report XXXX Please remove this bankruptcy from my public record This account is in violation OF 15u.s code 1681A consumer right to privacy this bankruptcy shouldn't be on my credit/consumer report XXXX Please remove this bankruptcy from my public record
Complaint sub-issue: Public record information inaccurate

Lexis nexis, XXXX, XXXX, and XXXX has violated my privacy which is a violation of the FCRA. Lexis Nexis continue to list a dismissed bankruptcy as confirmed. I am aware that Lexis Nexis receive their information from a third party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. 
As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY. You have violated my privacy which can be considered identity theft. You do not have a permissible purpose to furnish my consumer report. I did not give you any written instruction to do so. This is also a violation Under the FCRA, 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of reports. Please remove the accounts above from my consumer report immediately
Complaint sub-issue: Threatened or suggested your credit would be damaged

I owed XXXX XXXX XXXX in FL a hospital bill of over {$1800.00} which I was paying {$20.00} per month on before sending me to a collection agency XXXX. I tried to resolve the issue but they would not work with me. 
I owe another hospital, XXXX XXXX over {$2000.00} which I am also paying {$20.00} towards and also {$20.00} for a separate doctor bill. {$60.00} per month on medical bills is a lot when you just don't have anymore to give. XXXX XXXX agreed to let me pay the {$20.00} and tried to get XXXX XXXX to set up an agreement as well. Instead XXXX XXXX sent me to XXXX collections! 

I was forced to retire to care of my husband then lost half of my income due to his death. I'm on social security and paying for both his funeral and my daughters who I lost 5 months prior to my husband. I tried explaining this to XXXX as my reason why I can't pay any more than {$20.00} per month. I spoke with them and a supervisor on two separate occasions, XX/XX/XXXX and XX/XX/XXXX. They said they have no option but to report this on my credit report unless I could pay {$200.00} per month! I still continue to pay {$20.00} getting the bill down to {$1700.00} and now is on my credit report. I believe they used bully tactics to get me to pay more and don't feel this is right.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this XXXX XXXX n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now
Complaint sub-issue: Their investigation did not fix an error on your report

I have proof that payments were never late by email confirmation of payment processing. I have tried to resolve this issue two times and have had no result of a proper investigation. This is ridiculous and I have proof that payments were made on time. Why do they not see the proof I am providing.
Complaint sub-issue: Didn't receive enough information to verify debt

Hello, I hope this message finds you well. 

Enhanced Resource Centers have been unwilling to provide any Account Verification details with me whatsoever. 

I had sent them a Certified Mail Debt Validation Request, and the address that is on file for them on my XXXX  Credit Report, and the address that the representative I had spoken to provided me with is the address which I sent the correspondence to. The correspondence was returned to my address with a statement from USPS stating that this parcel was not deliverable as addressed and it was unable to get forwarded either. This is deeply concerning to me. As not only they refused to provided additional details, the address on file for them on all of the platforms is incorrect. 

Please see the attached files for all of the proof that I have with this statement. 

Furthermore, after speaking with them on the phone they would not give me any details other than what is inaccurately listed on my XXXX   Credit Report. 

Please help me, as this derogatory remark on my Credit Report is causing tremendous stress and making me lose out on several career opportunities due to the nature of my field as a XXXX. I am hoping that the evidence I have provided is sufficient to close this account and remove this derogatory remark from my credit report. 

Thank you so much.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello, how are you writing this regarding some FRAUDULENT queries in my credit report already filed and the same complaint, for someone else is using my personal information to try to open accounts in my name, please remove all these fraudulent queries from  my credit report ..
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Information belongs to someone else

My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw a outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$150000.00} XXXX XXXX   XXXX {$150000.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX {$9300.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX {$20000.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Complaint sub-issue: Card opened as result of identity theft or fraud

On XX/XX/XXXX there was a credit inquiry that showed up on my XXXX account for a XXXX XXXX credit card from CitiBank. I did not initiate this request. 

On XX/XX/18 I was able to speak with someone at CitiBank who confirmed a card was taken out in my name and we closed the account down as I notified them that it was fraudulent. I spoke with a XXXX who told me CitiBank would notify the credit reporting agencies and that I would receive a letter in the mail from CitiBank detailing their findings.
Complaint sub-issue: Deposits and withdrawals

I bank with Citi Bank and I have been having trouble getting my money I use my card every time its a fraud flag locking my card dropping my limit I change my phone number Sunday they told my they couldnt verify it they have my money and keep giving me run around like the are trying to keep my money i they are the fraud ones Ive seen so many comments about the same problem Im having with other customers also just because I change my phone number XXXX cant access my account or money and the agent lie about everything and catch them in lies
Complaint sub-issue: Account status

Equifax is listing accounts in collections on my credit report that have been paid off. At XXXX point, all of the information on my Equifax credit file " disappeared. '' It came back on, but with inaccurate information. As you will be able to see from the other credit agencies, these accounts have been taken care of and should be updated and removed. The inaccurate information is causing me to have a low credit score with Equifax and causing me not to be able to qualify for a home loan.