Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

I have filed multiple disputes with XXXX  equifax and XXXX about this bankruptcy that has been showing on my report for I'm not sure how long. I have notified them over and over about this docket and they keep telling g me to contact XXXX a company that is reporting information to them. I called XXXX XXXX in XX/XX/2020 to request a report and once I received the report I saw the bankruptcy and immediately disputed the information. They sent me a correspondence stating the bankruptcy is some how " verified '' so I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ). Which states that : a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I have not recieved any corresponding information from XXXX to determine the validity of this alleged bankruptcy on my file. I have already been notified of my mixed file by the 3 bureaus and XXXX refuse to remove this inaccurate information in my file. Also, XXXX, Equifax, XXXX, and XXXX XXXX are in violation of fcra 616, 617 and 611 ( a ) ( 6 ) ( B ( iii )  refusing to reasonably investigate and refusing to remove this unverified inaccurate information from my file.
Complaint sub-issue: Their investigation did not fix an error on your report

The incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$190.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$190000.00}
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX has reported I owe them money in the amount of $ XXXXI do not know this company. I have never done any business with XXXX XXXX XXXX. This company does not have a contract with my signature. I would like to be provided documents showing my signature stating we have a business agreement to these terms in accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account 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 604 Section 2 : It also states a consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX
Complaint sub-issue: Confusing or misleading advertising about the credit card

Home Depot cashier signed me up for a Commercial Account Credit Card, promising deals that do not apply to me. I am XXXX years old and do not have a business. I shop at Home Depot for personal purposes only and I already have a Consumer Credit Card. I ended up with two accounts which created a VERY confusing situation and then I was charged a late fee because of my confusion with due date and I incurred finance charges because apparently with a commercial account you have to pay off the balance which was not clear to me when I was signed up for this. I feel like I was taken advantage of. I have closed the account with I am still reeling from the abuse. 

This is the Home Depot XXXX XXXX in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Complaint sub-issue: Can't use card to make purchases

Discover said they were unable to Contact Me using my phone number after many attempts. I also was unable to log in to my account to connect it to my checking account, I Was able to make some progress and found that they were using the Wrong number.. 
I was unable to change it my self because of limited access I address the issue with them they facetiously said it ( must ) be on my end??
Complaint sub-issue: Information belongs to someone else

Someone opened accounts using my private information without authorization and caused a debtor status to be placed upon me without authorization or disclosure. I am requesting original documentation to proving these obligations placed upon me that is damaging my financial status. 
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: Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see all accounts in my attachment. I have also attached a copy of the law FCRA 605b.I have also attached a copy of a FTC fraud affidavit.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have been making purchases from home depot using the home depot credit card for many years and continue to be charged for items ordered but not yet picked up or delivered. The retailer will charge my credit card and begin assessing finance charges even if I don't have the item. I most recently XXXX XXXX, 2020, made a {$3000.00} purchase at the XXXX  XXXX at the XXXX va home depot but I wasn't able to pick up or otherwise take the items charged with me. My contractor later visited the store and it was decided not to pickup but instead to cancel the order. As of XX/XX/2020 I was billed as if I took possession of the products. This has happened many times and credit services will not credit the purchase. Home depot requires that I go back to the store so they can release the products from inventory thus making it obvious that the products never left their warehouse
Complaint sub-issue: Transaction was not authorized

XXXX XXXX XXXX has taken money from my account without authorization TWICE. I agreed to a catch-up plan with this company because I was one payment behind on furniture rental. The verbal and written authorization was for the amount of XXXX. Instead, XXXX XXXX ran the payment from my account for XXXX on XX/XX/19 which was not the amount that we agreed upon. This overdrew my account because I had only enough money in the account to cover the amount of the payment. They refunded the money to me but did not cover any overdraft fees even though they were the reason for my overdraft fees The second time was today, XX/XX/19. I chatted with an agent named XXXX and I agreed for another catch-up plan to start on XX/XX/19 for the amounts of XXXX and another payment to be taken on XX/XX/19 for XXXX. These were to be my final two payments for the account and they were to be taken from my XXXX XXXX acct. Today ( XX/XX/19 ) they took payment for XXXX from another account and I did not authorize that. I have screenshots from the chat that I conducted with XXXX and I explained in the chat that the last fiasco that we had resulted in overdraft fees and that I was not able to make this months payment. This is a horrible business that lives to takes its customers money. Just because it caters to consumers with. not so good credit does not mean that we can just be taken advantage of. I WANT MY MONEY BACK and I plan to file a dispute with my bank. This is craziness and I need it to stop.
Complaint sub-issue: Personal information incorrect

On XX/XX/XXXX I have mailed 3 certified letters to XXXX, XXXX and Equifax to remove inaccurate personal information. Today, XX/XX/XXXX my personal information remained the same and they have not removed any of my requests.
Complaint sub-issue: Other problem getting your report or credit score

I'm a victim of fraud and have effortlessly disputed the fraudulent credit card lines, phone numbers, and addresses on XXXX  and XXXX. I accessed them through XXXX and everything was a breeze. 
with two down, I've try to access my free Equifax credit report through XXXX but after submitting everything properly, am told that I can't can't access it online and need to have it mailed to me. No explanation. So I talked with a customer service rep, she confirmed that I can't get it for free but couldn't explain why. Oh well, guess I'll buy it, as I need to dispute these fraudulent problems to Equifax, as they showed up on my other two reports. 
I go to sign up online for the premier equifax complete package for at least a month, and am hit with a final verification process. They use current information on my credit report in the form of multiple choice questions. The problem is that Equifax 's website generated questions using what I have to assume is the fraudulent charges and information as verification questions, as the system doesn't know what's legit and what's not. 
I've now failed my verification questions for this reason and am locked out of being able to access my report online. My account seems to have been created using my personal information, but access to it was locked. Great. 
I call in to equifax customer service to get help, and after much time and a customer rep that spoke with a heavy accent, I ultimately failed the verification questions again. I don't know if I was misunderstanding the rep or if the questions were generated using fraudulent data on my report, again. Now I need to either call again in the morning ( as the department apparently closed after my call ), or submit documentation via mail. 
Are. you. kidding. me. 
I'm all for verification, clearly. My identity has been stolen by a family member ( my father and his new wife ) using my personal info, and I wish more security measures were in place to have prevented that. However, there need to be safety nets in place in the event that these situations happen! This can not be an isolated situation and it needs to be remedied.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX and I have been a victim of Identity theft. and I have submitted an FTC Report regarding a few accounts that do not belong to me
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX has sent me to a collections agency named IC System Inc. They are attempting to collect {$210.00} that I do to owe. I have never been with XXXX XXXX XXXX and I have explained this to them numerous times. I am requesting that this be removed from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

You say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).
Complaint sub-issue: Debt is not yours

On XX/XX/22 I mailed a dispute letter to Jefferson Capital System ( Account # XXXX ) and my mail receipt indicated that they received the letter on XX/XX/22. After 30 days of waiting for Jefferson Capital System to validate the debt they reported to my personal credit report, it is now XX/XX/22 and they have failed to verify that the debt is mine.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve.Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX-Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry:XXXX
Complaint sub-issue: Problem with customer service

I sent paperwork via U.S. mail and uploaded information to Fed Loans asking them whether or not I qualify for the Public Service Loan Forgiveness program. I sent them as much information as I could including my W-4 's but I could not verify my work as a XXXX  for XXXX XXXX XXXX XXXX XXXX because of the outbreak of the corona virus and the stay at home measures that XXXX and XXXX XXXX XXXX XXXX ( XXXX  ) have implemented. We are now in XXXX XXXX.  I sent them the paperwork and asked them if they could verify my work with the XXXX XXXX which dates back to XXXX as a XXXX XXXXr as well as a XXXX XXXX XXXX   starting in XXXX. They sent me the paperwork indicating that I needed to verify this. I can NOT at this time and I wanted to see if I qualified for the program or if I didn't then how many payments would be needed to qualify be exempted from my federal loans. My information is with XXXX. My information is with the XXXX XXXX XXXX XXXX. Are you trying to tell me that the Federal Government of the United States can NOT verify my work status with the state bureaucracy and implement the data to see if I qualify? I attempted to go downtown but I was told to go home. At this time, the only people that can verify my status are the bureaucrats. Please help.
Complaint sub-issue: Information is incorrect

Lexis Nexis has reported some derogatory added information on XXXX XXXX that has prevented me from opening checking account.
Complaint sub-issue: Account information incorrect

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XX/XX/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: Was not notified of investigation status or results

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached XXXX Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ). Moreover, you stated the account was verified as accurate by law XXXX XXXX XXXX ( XXXX ). Per XXXX XXXX XXXX ( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX the following charges labeled XXXX XXXX XXXX XXXX XXXX CA were posted to my XXXX XXXX XXXX by Elan Financial Services XXXX 14 transactions at {$200.00} each 1 transaction at {$50.00} Total {$2800.00} The merchant category per my Elan statement was Heat Plumbing A/C. 

These were fraudulent charges as I did not request, authorize or receive any services related to these transactions. I contacted Elan, told them these charges were fraudulent and they credited my account on XX/XX/XXXX, cancelled my card and re-issued me a new card. 

Then on XX/XX/XXXX and XX/XX/XXXX, Elan reinstated {$2200.00} to my account saying After careful review, we have verified the transaction ( s ) was authorized, and you received benefit from the transaction ( s ).

I have contacted Elan by phone and asked them to remove these fraudulent charges on XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. Each time, the representative told me that they would have a manager call me to discuss but they never did. I also requested Elan to provide their documentation that I allegedly received these transactions which they agreed to send me but have not done so. 

Elan Financial Services wont respond to me so I need your assistance to have these fraudulent charges removed from my account. 

Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Equifax failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the account completely from my Credit Reports : XXXX XXXXXXXX
Complaint sub-issue: Information belongs to someone else

Accounts on my report I do not recognize
Complaint sub-issue: Can't close your account

I have a checking account with PNC. I withdrew my funds earlier this month ( on XX/XX/XXXX ), with the intention of closing the account immediately thereafter. 

However, PNC does not allow consumers to close accounts online or via email. You can ONLY close an account by calling during their business hours - which is ridiculous. Their phone lines were also unavailable for the XXXX XXXX holiday weekend. 

Because their phone lines are not available 24/7 & long hold times during their operating hours : I was not able to reach a phone representative until today ( XX/XX/XXXX ). Upon calling to close the account, I found out they charged me a low balance fee yesterday ( XX/XX/XXXX ) for the month-ended XX/XX/2018. 

They refused to let me close the account today ( account # XXXX ), and refused to reverse the fee that they posted - despite the fact that it was caused by their decision to only make their phone lines available for limited hours & eliminated the option for consumers to close their accounts online. Its almost as if PNC wants to make it harder for consumer to close accounts & easier for PNC to slap consumers with fees ... 

TLDR version : PNC doesnt allow consumers to cancel checking accounts online - only by phone. Their phone lines have limited hours. They charge fees when you cant call them during their phone hours. Refuse to let me close the account when I finally get through their hold times & am able to call during their phone hours.
Complaint sub-issue: Other problem getting your report or credit score

Every few months it seems that I have to reach out about my credit report being frozen ( without my knowledge ) and an inability to apply for things like ( housing, jobs, etc. )!!!! This issue has caused me considerable damages and losses. To make matters even worse, the credit reporting agencies have made it an impossibility to request they lift these freezes since they wont even allow you to access YOUR OWN credit report using YOUR personal identifying information like : a full name, permanent mailing address and social security number. This is just one of 100 complaints Ive made over the past 2-3 years and at some point Im going to collect every last one of these complaints and sue them for damages. I dont know whats so difficult to understand. 

DO NOT FREEZE MY REPORT UNLESS I HAVE REQUESTED IT TO BE FROZEN!!!!!
Complaint sub-issue: Problem getting my free annual report

I was unable to get my free annual credit report due to it asking me questions about a mortgage. I have never purchased a home. I have never had a mortgage.
Complaint sub-issue: Problem with direct deposit

XX/XX/2020 To Whom It May Concern : My name is XXXX XXXX and I am the Social Security payee representative for my mother XXXX XXXX. After contacting Social Security that the XX/XX/2020 payment of {$750.00} was sent to my Direct Express card. I contacted both 1-800 customer service numbers for your company. I tried for two days to get a live person. I waited for hours only to be told that the account was suspended due to possible fraud or suspicious activity and that I would need to email my ID, and SS card to XXXX. The customer service agent seemed hurried and did not give me a chance to tell her that I lost my wallet with all my identification in it. I wanted to make sure that the documents I do have will suffice as evidence. I even attempted to create an online account but an error message keeps coming up stating, information you entered is incorrect. Making this such an inconvenience. 
Unfortunately, due to the Coronavirus COVID19 pandemic and having to keep my mother in a safe environment, I have had to relocate to different dwellings. Because of this delay in releasing my mothers funds we are now facing late fees for the rent, not being able to pay my mothers co-pay for her medication, and not being able to buy food or clothing. 
I am submitting documents from my Case Worker, for verification Mr. XXXX, Social Security Administration XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX ext XXXX and further documentation that I previously had obtained a Social Security card, but due to the pandemic am unable to obtain another one in person. The same for getting another ID/Drivers License, most offices are closed and employees are working remotely from home. Therefore, its limited in regards to time. This situation is of utmost URGENCY. 

I am respectfully requesting that you not only accept the documents I have attached, but please expedite this request so that we can take care of my mother. If I can be of further assistance, please do not hesitate to contact me at XXXX or ( XXXX ) XXXX or ( XXXX ) XXXX. 
Thank you, XXXX XXXX for XXXX XXXX Attachments AFTER BEING ON HOLD FOR DAYS AND HOURS ON IN, DIRECT EXPRESS HAS NOTB