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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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
Complaint sub-issue: Problem accessing account

PNC wont allow me to share data with 3rd party apps that Ive authorized
Complaint sub-issue: Information belongs to someone else

It appears that my credit/my file/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 XXXX of the FCRA you 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 XXXX Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. [ accounts/items ] 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 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 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 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
Complaint sub-issue: Reporting company used your report improperly

According to Equifax 's website my data was likely stolen in their recent breach which impacted more than XXXX Americans. The credit monitoring service they 're offering only covers XXXX year of potential fraud and would require me to forfeit my right to litigation over this issue. Due to their negligence, I 'm also going to have to spend at least {$60.00} to freeze and unfreeze my credit reports. I 've never voluntarily done business with Equifax yet they have all of my personal information and their lack of security means that I 'm now at high risk for identity theft.
Complaint sub-issue: Information belongs to someone else

This is my 10th CFPB complaint submitted informing the Credit Reporting Agencies that I am a victim of identity theft and I am submitting this CFPB complaint to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These items are unknown to me. Also, the information that some Credit Bureau provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. under the FCRA section 605b, I am requesting that the Credit Bureaus remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$350.00} XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/2022. Also, the Credit Bureaus have claimed that the disputed items are verified and that the Creditors have verified the authenticity and yet they have failed to send me copies of verification.
Complaint sub-issue: Problem getting a working replacement card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX formerly : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX FL XXXX email : XXXX I am using 2 PNC accounts in my name to receive benefits from 2 XXXX annuity contracts that are annualized i.e. paying out for lifetime. 

Account Numbers : XXXX XXXX Routing Number : XXXX Account Number : XXXX XXXX Routing Number : XXXX I was a permanent resident in the XXXX until XX/XX/2008. Since then I live in XXXX. 

PNC has not managed or is not willing to update to XXXX address. They have been sending statements and replacement card to XXXX for one but not the other account. For this account I have not been able to receive a replacement card - presumably because they insist sending it to the old XXXX address. They also claim the card they send somewhere has been activated ( if so - not by me ). 

PNC advised to report the card that never arrived lost / stolen. 

Now they obviously issued a new card and sent it to the old address again. 

There have been endless internet-interactions about this point since XXXX this year but it just does not seem to be possible to a ) change address coherently to the XXXX one I am using for 10 years now b ) send card to new address I fail to see the difficulty. This accounts have been active for > 10 years. 
I never choose PNC actively. They took over the 2 XXXX community banks I banked with before. 

I enclose activity reports for this year - so you can verify we are talking about real - active accounts. 

Your are welcome to forward anything I submit here to PNC - preferably a person with a solution oriented mindset some way up in the hierarchy of that outfit.
Complaint sub-issue: Was not notified of investigation status or results

I have new information regarding CFPB complaint # - XXXX & XXXX. 

I sent this company a dispute on XX/XX/2022. Tracking # XXXX delivered on XX/XX/2022. Pursuant 15 USC 1681I ( a ) ( 6 ) specifically ( 6 ) ( b ) ( III ). I have the right to get the description of the procedures. This should have been sent to me via mail with in 15 days pursuant 15 USC 1681I ( A ) ( 7 ). Today makes day 21. They are in complete violation. I would also like to note this company only have 30 days to complete this investigation. If the investigation is not complete within that 30 day the company must delete the requested items pursuant 15 USC 1681 ( a ) ( 1 ) ( a ), ( b ), and ( c ) This company is in complete violation.
Complaint sub-issue: Late or other fees

XX/XX/18 I was charged a {$33.00} stop payment fee that I attempted to process in my account online. I was attempting to stop a recurring preauthorized fee from coming out of my checking account by XXXX XXXX   XXXX. I was told there was an error on my behalf with attempting to do this online in my account. 

The bottom line is the stop payment did not process and the funds came out anyway. My issue is I was told by the bank though the stop payment was not done I had to pay {$33.00} for just going onto the web site within PNC. 

Who has money to give a bank to pay for something not done. 
PNC XXXX Account # XXXX
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 demand to be deleted immediately : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Information belongs to someone else

There's an account ( XXXX XXXX ) limit XXXX on credit report inwhich I'm an authorized user but I have no idea who or why I'm added on there, please remove this account from my credit report.
Complaint sub-issue: Funds not handled or disbursed as instructed

XX/XX/XXXX U.S. Bank failed to honor its letter acknowledging a stop payment on a check, via bill-pay, dated XX/XX/XXXX. They honored the check for {$2100.00} anyway on XX/XX/XXXX. 

Background : I retired at the end of last year and, as a result, filed to modify the spousal support orders issued in XXXX. The court date was set for XX/XX/XXXX, so I held back payment for XXXX until we learned of the amount change. However, at one point my ex-wifes attorney ask for a postponement due to his scheduled XXXX, so in good faith I sent the check to cover XXXX. Shortly after the attorneys XXXX was canceled and we were back on for XXXX, so I notified the US Bank requesting a stop payment. I received a written acknowledgement of the stop payment action on XXXX. 

My ex-wife presented the check knowing full well that the payment was invalidated by court order since we executed a buyout for $ XXXX and no more support was due effective XXXX. This is stipulated in the orders! She was wrong, but the bank honored the check and deducted the amount from my checking account resulting in an overdraft situation. 

After 2 calls they have been of no help... telling me I have to take it up with her!! I have been with this bank for many years, but I feel I can no longer trust them!! If the funds are not returned to me either voluntarily from her or by bank action, I will take both to small claims court.
Complaint sub-issue: Account information incorrect

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Please refer to the information that I've listed below ; I am not implying that these accounts are reporting right or wrong. I am just saying that I am not 100 % sure if they are accurately reporting. 

FCRA 15 USC Sec 1681i ( a ) states ; that any unverified and/or inaccurate accounts must be deleted. I would like for the following accounts to be investigated for verification and 100 % accuracy and I would also like a report of your findings. Also according to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( XXXX ) ( 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 an inaccurate account. 

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

XXXX XXXX # XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. 

Could you mail me an updated report after you investigate and verify these accounts? Also, please let me know who had access to my file as well. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. 

Thank you for your assistance in this matter.
Complaint sub-issue: Attempted to collect wrong amount

Dear Discover Bank, I am reporting you to the Internal Revenue Service ( IRS ), all appropriate forms being filed. This account will be AUDIT immediately by the IRS.
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 you 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 block/remove these files. 

XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6100.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9600.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9000.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3100.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$420.00}. 

If you feel there is a possibility these accounts 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 account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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: Their investigation did not fix an error on your report

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Complaint sub-issue: Confusing or misleading advertising about the credit card

This is my second time making a complaint about Discover XXXX Card. I was approved in XX/XX/XXXX and they decided to freeze the account until a copy of my bank statement was sent so finally in XXXX after the wait time was over the card was unblocked. During the time Discover allowed me to have the account I experienced fraudulent transactions who I had explained that my roommate who lived with me from XXXX to XXXX must have been the one who had been using the account and even made a few erroneous payments. Discover XXXX card advertised zero fraudulent liability. I explained what was fraudulent and then they mailed me out new cards. After they were done with the dispute Discover closed my account and there reason for closing was a retaliation against me for disputing the fraud. Why offer your customers 0 % for liability and advertise it if youre going to you yes take the purchases are but then close the accounts I know Credit Attorney grantors have the right to close the account for any reason but during the COVID-19 crisis this is just abuse. Banks like discovered need to remember XXXX and how the government bailed most of them out now the American people are struggling and the banking system could care less.
Complaint sub-issue: You never received your bill or did not know a payment was due

ENHANCED RECOVERY COMPANY Last reported XX/XX/2022 {$130.00}
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX XXXX XXXXXXXX {$85.00}
Complaint sub-issue: Information belongs to someone else

The following credit inquiries thats currently listed on my XXXX XXXX, XXXX, and Equifax credit report are fraudulent, unauthorized, and not my credit inquiries : XXXX XXXX, XX/XX/XXXX, XXXX XXXX Bank, XXXX. XXXX, XX/XX/XXXX, XXXX XXXX Bank, XXXX. XXXX, XX/XX/XXXX, and XXXX XXXX Bank, XX/XX/XXXX.
Complaint sub-issue: Debt resulted from identity theft

this was a result of a fraud account thru state farm bank that i have disputed numerous times thru XXXX ref account XXXX and they sold a fraud account to a collection agency who is now collecting on this fraud account
Complaint sub-issue: Account information incorrect

I purchase a used vehicle XX/XX/2016 I was finance threw veros credit this was my first time buying a vehicle within the first 30 days I had issues with the vehicle I returned the vehicle for repair at the dealership XXXX XXXX  the vehicle had emission issues I was told it was the Catalytic converter they held my car for 30 days and said it was repaired witch it was not the vehicle would burn a full tank of gas within 10 miles so I reported this to my Finance company veros credit after I tried to get it repaired myself and told them I could not afford the payment due to attempting to repair the car and I told them to come pick the vehicle up they didnt do so until months later when they retrieve the vehicle it had my personal belongings which I was declined to be able to retrieve I also had recipes for the repairs of the vehicle and a statement from my mechanic stating the car was a lemon. Veros credit then auction the vehicle off for over XXXX dollars or more and my balance was estimated XXXX the account has been closed and charged off for over 5 year I am have been charged late fees and miss payments that were reported on my credit report every month for the past 3 years or so my current balance is XXXX and it has effected my credit dramatically I have disputed many times and contacted verso credit told them I had financial hardships and can they stop the late fees and they just hang up in my face every time I have reported to the XXXX and they are denying that they are still charging me till this day I ask for my issue to be resolved by reporting the correct amount due and stop charging me late fees also my last payment on my credit is incorrect My last payment was in XX/XX/2016I was told by XXXX  that since my account has been closed and charged off they should not be continually charging me fees and reporting late payments.
Complaint sub-issue: Threatened arrest/jail if do not pay

Hunter warfield is refusing to return a {$500.00} check that was mailed to them to settle the debt and remove their collections from all credit bureaus. 
Hunter warfield has stated that they were hired by a separate company to collect debt on their clients behalf. I have spoken with a collections agent as well as the supervisor and neither have been very helpful in resolving the issue regarding my delinquent account. I have sent a pay for deletion letter certified mail to the corporate hunter warfield office and have received no type of response or acknowledgement that my cashiers was received as well as my letter. The cashiers check of XXXX dollars was sent as a settlement amount for the debt they were trying to collect on. I stated in the letter that if the settlement amount was acceptable they were free to cash the check as long as the debt was removed from all XXXX credit bureaus that they were reporting to. It has been past a month and my check has not been returned nor has my collection account been removed from my reports. 

I have received constant increases on my debt since contact which i believe to be a harassing method of collecting on a debt. After my cashiers check was mailed my debt increased on my credit report from the amount of {$2100.00} to the amount of {$2100.00} on XX/XX/2017 via my XXXX account. The following week i received yet another increase on my debt from the amount of {$2100.00} to {$2100.00}. I am now in fear that the supervisor i spoke with by the name of XXXX has increased my debt continually as a way to negatively hurt my credit report until I pay the settlement amount or agree to let him keep my check without resolving my debt.
Complaint sub-issue: Account status incorrect

Showing late on my Equifax credit report as of XX/XX/22 please see image named Credit Report.jpg. This is incorrect.Tried starting a dispute on the Equifax website, but it isn't working. As you can see from attached documents this account was always in forbearance during this time. Please fix this. 
Thanks, XXXX
Complaint sub-issue: Information belongs to someone else

I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are
Complaint sub-issue: Was not notified of investigation status or results

I started disputing false inquiries on my credit report on XX/XX/2021. None of the bureaus responded to me advising what steps they'd be taking or deleting the information at all. Since I didn't hear from them, I sent another dispute on XX/XX/2021 and again on XX/XX/2021. I am STILL waiting on a response and the inquiries still remain on my credit! I did not apply for these items ; the creditors can NOT provide a signed application because there isn't one, there aren't even accounts open from these inquiries!
Complaint sub-issue: Reinserted previously deleted info

This account in question was previously deleted due to fraud. It originally was XXXX account. The new company XXXX purchased XXXX and re-inserted the same account on my credit report. This needs to be deleted immediately. I have supplied Equifax with a police report, affidavit and personal identification. XXXX changed the account number to allow it to be re-inserted.
Complaint sub-issue: Reporting company used your report improperly

This is NOT a Duplicate report and this is not filed by a 3rd Party. 

In accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights under 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. 

Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) Account XXXX XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Credit agencies did not follow up on fraudulent activity. The {$930.00} amount from XXXX XXXX, does not belong to me. I 've disputed this twice and explained I was not living anywhere near XXXX, Ohio and suspect my personal information was obtained by a family member. I 've explained this.