Johnade/consumer_complaints_cfpb huggingface dataset:
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 : 1. Validate Account XXXX Account XXXXXXXX XXXX XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
3 Validate Account XXXX  Account Number : XXXX Please remove it from my credit report XXXX Account XXXX Account Number : XXXX Please remove it from my credit report. 
5. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
6. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX  Account Number : XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
9. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
10. Validate Account Account XXXX : XXXX Please remove it from my credit report. 
11. Validate Account Account XXXX : XXXX Please remove it from my credit report. 
12. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
13. Validate Account Account XXXX : XXXX Please remove it from my credit report. 
. Validate Account Account XXXX : XXXX Please remove it from my credit report. 
14. Validate Account Account XXXX : XXXX Please remove it from my credit report.
Complaint sub-issue: Investigation took more than 30 days

This is in reference to a previous complaint filed, case number XXXX, that was closed prior to resolution. I sent a dispute letter to Equifax XX/XX/XXXX. It was sent by certified mail and was received XX/XX/XXXX. According to the results of the investigation, Equifax claims they are unable to proceed with my request because they need additional information which was already supplied. As previously stated, I have already submitted my dispute letter to Equifax on XX/XX/XXXX. My tracking shows my dispute letter was received by your desk/receptionist/mail room on XX/XX/XXXX at XXXX. I will not be resubmitting another dispute letter as the information requested has already been submitted. As of XX/XX/XXXX, the 30 day window allowed to complete my disputes has expired and I would like all accounts that were disputed removed from my credit report. I have attached a copy of the tracking for my dispute letter and a copy of my dispute letter to XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX reported 120 days late to the credit bureaus in XX/XX/2019. I provided my new address and was told I would receive the final bill. I never received the final bill from XXXX XXXX XXXX. I've sent certified letters to XXXX XXXX XXXX disputing the negative item they state it is correct. I moved from the billing address on XX/XX/2019, the collection showed 120 days late on my credit report. I have disputed with XXXX & XXXX, Equifax, XXXX, and XXXX. XXXX  removed the negative item based on the documentation I sent them. Equifax and XXXX  XXXX XXXX XXXX XXXX keep confirming the collection. They have since updated the balance to XXXX  from {$280.00}. I paid the bill as soon as I saw it XX/XX/2019 on my credit report. All of my past history with XXXX XXXX XXXX is positive, they are not showing past history. 

Equifax is showing the negative item on the report twice which is further impacting my credit score.
Complaint sub-issue: Account status

I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
This item ( identify item disputed by name of source, such as creditors of XXXX Card ) is ( inaccurate or incomplete ) because ( describe what is inaccurate or incomplete and why This ITEM WAS A CHARGE OFF IN XXXX OF 2011 ). The collection agency are still reporting payments as late and the account is close and charge off. I am requesting that the item be deleted ( or request another specific change ) to correct the information. Enclosed is a copy of the my recent of my credit report, item # XXXX, supporting my position. Please re-investigate this matter and ( delete or correct ) the disputed item as soon as possible.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

PNC BANK N.A . is criminally liable an has willfully and knowing 15 USC 1611 ( 1 ) broke federal laws by unauthorized use of my credit card 15 USC 1602 ( p ) because I never benefited from the consumer credit transaction 15 USC 1602 ( i ) I initiated with PNC BANK N.A . during initial communication it was never disclose that this is an attempt to collect a debt. All shown in exhibits. PNC BANK N.A . has violated federal law 15 USC 1692c ( c ) by calling me after receiving cease and desist through the mail on XX/XX/2020 and receiving a CFPB Complaint portal on XX/XX/2020 admitted to the actions which is a violation of federal law shown in exhibits. PNC BANK N.A . has violated federal law 15 USC 1692b ( 2 ) stating that me the consumer and natural person owes a debt which violates federal law by an agent from PNC BANK N.A . admitted to the actions in writing which is a violation of federal law shown in exhibits. In exhibits shows how PNC BANK N.A . are criminally liable for their action violating 15 USC 1602 ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I am the cardholder 15 USC 1602 ( n ) The term cardholder means any person to whom a credit card is issued or any person who has agreed with the card issuer to pay obligations arising from the issuance of a credit card to another person. Allowed PNC BANK N.A . to use my Social security card 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Shown in exhibit how PNC BANK N.A . only benefits from the consumer credit transaction by collecting on a debt that is not owed by the consumer natural person.
Complaint sub-issue: Debt is not yours

Please do not mark this as a duplicate complaint as NEW INFORMATION IS BEING PRESENTED to you. I requested validation from LJ ROSS and was sent forged documents. Please see the attached documents that show no indebtedness nor obligation between myself and LJ ROSS. It literally was two pieces of paper with medical codes, no signature showing an agreement between myself and LJ ROSS nor the " original creditor ''. I'm very worried now because I have no idea how they got access to my social security number to place this on my consumer reports. They never marked my account as " disputed '' although I've been disputing this alleged debt over three months now which is a violation of the fair credit reporting act. I am seeking to have this rectified once and for all because this is negatively impacting my name, reputation, and brand. Please investigate this company.
Complaint sub-issue: Debt is not yours

XXXX continually contacted me for about two years regarding an unpaid bill. However, each time I asked for an itemization of what the bill was for, they could not provide it to me. They stopped contacting me for a while, then the collection account showed up on my credit reports. I disputed the collection with the credit bureaus and had it removed. About a year later, XXXX XXXX XXXX contacted me on XX/XX/XXXX saying I owe XXXX. I sent them a letter requesting additional information under the FDCPA on XX/XX/XXXX. I never heard anything else from XXXX XXXX XXXX On XX/XX/XXXX I received a letter from Afni , Inc. attempting to collect the same debt. I am now preparing to send them the same letter regarding a request for information under the FDCPA. Can this collection account just keep getting transferred when the company can't provide me with any details and this will permanently be an endless cycle?
Complaint sub-issue: Problem with fees

I had a store credit card with Sears ( CitiBank ). I paid my card off in full. The payment of XXXX cleared my bank on XXXX XXXX, 2017. I then received a bill for the XX/XX/XXXX billing cycle with a late fee of {$27.00}. I called the number on the bill and spoke to XXXX about why I had a late fee on my bill when I paid my bill off in full. She said it processed after the cut off date. I disagreed and told her it had cleared my bank and I was not certain why it had not processed sooner. She agreed to give me a credit on the late fee. I did receive the credit and received a XXXX balance bill for the XX/XX/XXXX billing cycle. Then I started receiving calls from Sears ( Citi Bank Collections ) for {$54.00}. I called and asked them what it was for and they told me I had n't paid my {$27.00} and charged me an additional {$27.00} late fee. I explained to them that I did n't have a late fee or owe the {$27.00} and in fact I had a {$0.00} balance bill in front of me. He basically told me I was lying and transferred me without an introduction to someone else who again told me I owed them {$54.00} in late fees. Finally after talking to the 3rd person she realized that I had two account numbers, and that when they sent me my new card and I activated it they did not transfer the {$0.00} balance over.she then sent me back to customer service so they could resolve the issue. On XX/XX/XXXX I spoke to XXXX and he said they had credited my account and I only owed my current balance on XXXX XXXX 2017 of XXXX. You can imagine my surprise when my husband called me on Sunday at work and told me Sears ( Citi Bank ) had called again. They also called me this morning about my {$54.00} late payment. I once again told them that I did n't owe the money and they should check both account numbers. The person I talked to today said oh I see your other account has a negative balance for {$27.00}. But his current account shows past due. He could not fix it and said he would put me on hold and try to get someone to fix it. So after another hour of dealing with these people, I was told someone would fix it and they hung up the phone. I also told them they should make sure that they did not report this to the credit bureau. They were unable to assure me that they did not but did n't think they did.
Complaint sub-issue: Debt is not yours

I sent this company a cease and desist on  XXXX   XXXX ,  2015 .     On  XXXX   XXXX ,  2015 , my attorney received notification that the debt was removed from my  XXXX  credit report.     Now, under the name of a different collector, the debit has been added back to my credit report. This time it is showing on  XXXX , not  XXXX .
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I had written dispute to the bureaus Equifax, XXXX  and XXXX  regarding several inaccurate accounts that does not belong to me. Those accounts are not authorized and done without permissible purpose. Up to date I have received no response nor proof that the alleged accounts belongs to me. These erroneous reporting badly hurt my credibility to obtain a fair credit. I'm certain that my rights as a consumer protected under the law has been violated by this inaccurate information they are reporting.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Complaint sub-issue: Personal information incorrect

I am having difficulty getting Equifax to change my name on my account. I am a XXXX  man and I have legally changed my first and middle names. After my legal name change, I updated my name with my lenders ( e.g. mortgage company and student loan ). XXXX  and XXXX   updated my accounts accurately. Equifax made an error that made it look like I had no credit history. I spent several hours on the phone with them in 2018 trying to fix the error. Each person I talked to gave me different information about how to fix it. I followed all of their directions and submitted a dispute and mailed in all required documents. I know they received these documents because they confirmed on the phone to me that they have had my name change information since XX/XX/2018. I understood the problem to be fixed, but then this week I was denied a car loan because my name on my ID does not match my name on my Equifax report. I have spent several hours on the phone with them and again have received different advice from each person I talked with. Once person told me that the problem was that I still had my old name on an existing account, but the next person I talked with confirmed that this is not the case and my name is updated on all current accounts. Another person told me that she had fixed the problem and told me I would receive an email confirmation. My old name still appears on myequifax.com and I have not received an email. If this does not get fixed in the next couple of days I will lose my car. I understand that they have 30 days to correct any information. Their position is that they should have 30 days from yesterday when I contacted them with this information again. However, by their own admission they have already had this information for 638 days. I want to give them the benefit of the doubt that this is a bad clerical issue and not an lack of competency in working with trans people. However, when I asked a supervisor about it she acknowledged that they have had no formal training or guidance on working with trans people and she seemed to be confused when I expressed frustration at how often I was addressed as Ma'am by Equifax employees while trying to get this addressed.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX and 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: Information belongs to someone else

I XXXX XXXX am a victim of identity theft and fraud. EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Complaint sub-issue: Account information incorrect

I had sent the check as a payment before XX/XX/2017 ( the due date ) But the  payment came back to me. I was never late on payments
Complaint sub-issue: Information belongs to someone else

I'm in the process of buying a home, my credit was pulled in which it revealed accounts that don't belong to me. Under the FCRA I would like verification of the accounts.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX Balance : {$430.00}, XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX {$11000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$180.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$320.00}XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2800.00}, XXXX XXXXXXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Information belongs to someone else

I am a paid member of XXXX, XXXX, and XXXX  and was able to screenshot multiple inaccuracies on my 3 credit reports of several negative items that do not match one another in listed balance, dates of alleged late payments, and/or authorization. I am challenging these negative items appearing on my XXXX report, I want them removed from my credit reports immediately. I have disputed thought the 3 bureaus and 2 have not listed the items as under investigation in over 30 days, violating the Credit Repair Act. I am not able to secure housing for my wife and kids during COVID as a result of these negative items appearing in a credit check for any home rental company 's applications. Please help us. 

1. XXXX  Cashcall Acct - Dates do not match XXXX, Unauthorized, Company in class action lawsuits for illegal activity.

2. XXXX  Cashcall - Dates do Not match XXXX, Company in Class Action Lawsuits for illegal activity. 
3. XXXX XXXX XXXX XXXX XXXX Dates do not match XXXX, balance incorrect 4. XXXX  XXXX XXXX XXXX  - Dates Do not match XXXX, balance incorrect 5. XXXX  XXXX  XXXX XXXX - Dates do not match XXXX, balance incorrect 6. XXXX CCXXXX XXXX XXXX  - does match XXXX  CCXXXX, unauthorized, unknown. 
7. XXXX CCXXXX - Insufficient information, does match experians CCXXXX Cash Central, unauthorized, unknown 8.XXXX XXXX  XXXX Original Creditor Not listed, Terms Not listed, No payments have been reported on this account, Highest balance significantly exceeds credit limit. Unauthorized, Class Action Lawsuits for company-recent Settlements of {$860.00} XXXX for illegal activity. 

Hard Inquiries XXXX  : XXXX XXXX XX/XX/21 XXXX XXXX  XXXX XX/XX/21 XXXX Hard Inquiries XXXX  : XXXX XXXX XX/XX/21 XXXX  XXXX  XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX : XXXX XX/XX/21 XXXX  XXXX XX/XX/21 XXXX XXXX XX/XX/21 XXXX XX/XX/21 XXXX  XX/XX/21 XXXX XXXX  XX/XX/21
Complaint sub-issue: Their investigation did not fix an error on your report

Back in XX/XX/XXXX, there was a government shutdown which affected my business tremendously. I am a XXXX XXXX XXXX and I do a lot of XXXX and XXXX XXXX XXXX XXXX. Because of the shutdown, HUD and all of the government agencies were all closed which caused all of my loans not to fund. I work on 100 % commissions, so this halted ALL of my income that I make. I spoke to someone at XXXX and they told me that since my business was affected by the government shutdown, they would extend my payment for 60 days and that I would not be reported late on my credit report, I was assured of this. 

Once the government opened up towards the end of XXXX, my loans were able to move forward toward closing and once they did, I paid the TOTAL balance off. 

Well, a few months later after checking my credit, I saw that I had a 30 day late on my credit, and they did not follow through with they told me. They actually said I was 60 days late which was not true, and ALL of the bureaus were reporting a 30 day late except Equifax was reporting a 60 day. I looked even on my XXXX online account and XXXX was showing online a 30 day late on my report NOT a 60 as Equifax was the only one showing. 

I spoke to a few people even a supervisor complaining about this and they said they can not legally take it off because it was not XXXX fault which I completely disagree with. 

I have never, never been late on XXXX except for when the government shut down, and I have paid them at least XXXX to XXXX a year in payments since I had the card, so this is very unacceptable. 

I am currently trying to buy a house for my wife and my XXXX to have a nice place to stay, and my current lender will not do the loan with the late on my credit. 

I am a veteran and trying to do a VA loan, so I really need XXXX to follow through with what they said they would do. I need the late payment from XX/XX/XXXX to be taken off of my account due to a representative telling me incorrect information. 


Since I have always paid my XXXX on time and I spend much more than the average person with my XXXX XXXX, I think that they should take off the late payment, and I can set up autopay so that I never have this issue again. Having great credit is very very important to me, and I have worked very hard to get my credit in the 700s Whenever you call XXXX you are always connected so someone in XXXX, so maybe there was a language barrier and the representative gave me the incorrect information, but I am 100 % they told me they would put my payment off for 30 days. XXXX reports every 60 days, so I would have never had a late payment. 

Please help me get this off of my credit so that I can be able to finally get my wife and XXXX the new home that I have always dreamed of. This will be my first home I have ever owned. 

Thanks so much XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

on XX/XX/2021, I got charged on my XXXX XXXX credit card with the amount of {$750.00} for the property appraisal with Citi bank loan. However, the appraiser did not show up to appraise the property due to her personal reason. I cancelled the loan with Citi bank on the night of XX/XX/XXXX. I contacted Citi bank in mid XXXX and they told me that they would follow up with me soon. However, I have not heard anything from them since then. 
I contacted my credit card XXXX  XXXX and asked to dispute because I did not receive the service that I asked for. However, the Citi bank only refunded for {$550.00} on XX/XX/2021. Citi bank did not fully refund my money, and did not give me any reason. I would like to submit this complaint to CFPB to follow up to know why I did not receive my full amount that they charged me. 
THank you!