Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Fee problem

PNC opened a Virtual Wallet account for me and it has been a nightmare- but the problems have been happening for years. They charge me $ XXXX month, there is NO grace period for transferring money to cover checks - even if this happens within the same few hours in a day. It is difficult to keep track of transactions as some come out of checking and others out of my spend account!!! They have also changed transaction order to benefit them and charge me more - showing transactions on different days after I had already seen them processed on my end. I want credited for the monthly charges and inaccurate NSF fees.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This complaint is regarding the credit unions namely XXXX, Equifax and XXXX. My identity was compromised in the year XX/XX/2016 which I was not aware of then. I received my social security number around that time and not being originally from the United States of America, I was not aware of the term identity theft and how it can affect your life. Unfortunately, being a victim of identity theft myself it has not been easy life since the year of XX/XX/2016. It has been over 2 years since I am constantly requesting and disputing accounts in my credit report which was not opened by me. The credit bureau has not been very cooperative, I have sent several letters stating to send me proof of verification or else delete the accounts. 

Equifax deleted all unverified accounts but failed to remove all non-account holding inquiries. 

XX/XX/XXXX and XX/XX/XXXX did not delete any unverified account, nor did they send any verification of the accounts. 

I request Consumer Financial Protection Bureau to help me with this issue and protect my rights as this issue has affected me emotionally as I can not purchase a vehicle or house for myself or my family. This inconvenience caused to me for all these years and I would want to be compensated for my time and struggle.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX acct # XXXX opened XX/XX/XXXX XXXX {$1200.00} -- - account number is incomplete and is not my account XXXX XXXX acct XXXX XXXX opened XX/XX/XXXX XXXX {$1700.00} -- - account number is incomplete and is not my account it has been over 7 years that it has been reported XXXX XXXX  acct # XXXX opened XX/XX/XXXX XXXX {$16000.00} -- account number is incomplete 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy. 
US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. 

Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. 

Failure to remove these accounts immediately will result in a {$1000.00} fine. 

Note that a copy will also be sent to FCRA.
Complaint sub-issue: Information is not mine

Equifax Mortgage Services and XXXX XXXX put XXXX Hard Inquiries on my credit Report. My understanding is if you apply for a mortgage with multiple companies within a month, there should not be multiple inquires.
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2014, XX/XX/2014, XXXX XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XX/XX/2014, XXXX, XX/XX/2014, XX/XX/2014. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act the list of account below has violated my federally portected consumer right to privacy and confidential under 15 USC 1681 section 602. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. XXXXXXXX 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. 1.5 USC1681 section 602 states i have rights to privacy. 1.5 USC 1681 section 602 its also states no conumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c [ a ] Section states no consumer reporting agency may make any consumer report containing any of following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years. 15 USC 1681-2 [ [ a ] a person shall not furnish any information relating to a cousmer to a consumer reporting agency if the person knows or reasonable cause to believe that the informtion is inaccurata.
Complaint sub-issue: Information belongs to someone else

I have filed an identity theft report I need this fraudulent inaccurate information off of my credit report. This is hurting my family as well from purchasing a home. We are running out of options cant get a home and will eventually cause my family to be in a homeless shelter. Please help. I contacted this company several times by phone and by mail with still no progress. 

XXXX XXXX XXXX XXXX {$660.00}
Complaint sub-issue: Account status incorrect

We were in a chapterXXXX starting in XXXX. When BK started we were 30 days late with XXXX XXXX XXXX Bank ( XXXX XXXX XXXX ) ( act # XXXX mortgage ) the trustee was to put the payment in arrears, however after the BK was discharged we reviewed the BK with our attorney and were informed it was not paid he recommended we pay it ASAP so we did. We were never charged a late fee either. XXXX XXXX XXXX was not reporting to the credit bureau 's ( I'm informed that it part of a chapter XXXX ) XXXX XXXX XXXX started reporting to the credit bureau 's XX/XX/XXXX and started the report with a 30 day late. I have disputed the derogatory report to the credit bureaus through XXXX  XXXX and have not yet received a response as to a decision ( 90 days since reporting ) XXXX XXXX XXXX has acknowledged a dispute has been filed but representatives say they can not remove the report at their level. I am trying to refi this loan to go forward but can not due to their report. I would like the derogatory mark removed the loan is current and I pay it on the XXXX of every month when it is due on the first ( technically paid before due ). I believe they should not ding my credit for late when they did not even charge a late fee, that implies to me the chapter XXXX rules dictate they should not even be reporting. Please help!!!
Complaint sub-issue: Information belongs to someone else

There are multiple accounts on my report that I do not recognize
Complaint sub-issue: Debt was result of identity theft

Enhanced Recovery Systems has taken on a debt that is not owed to them. Pursuant to 15 USC 1692 ( g ), neither Enhanced Recovery Systems nor XXXX XXXX has ever sent me the 5 things that are needed to validate a debt. The company chose to instead assume that I, the consumer would agree to this debt. I do not agree that this debt is mine and believe I am owed compensation for failure to properly notify or authenticate. 

Company is in current violations of the following : -15USC 1692 ( k ) -15USC 1692 ( g ) -15 USC 1602 ( f ).

Should this company not remove these delinquencies from my credit profile, I will have no choice but to sue both Enhanced Recovery systems and XXXX XXXX. 

Company has never done business with me or anyone of my name or likeness. 
Company has repeatedly denied disputes to have this removed from my credit profile.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in MyScoreIQ and XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 

XXXX XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXX XXXX Balance : {$430.00}
Complaint sub-issue: Account information incorrect

In XXXX of 2019, an account I had with XXXX XXXX was closed. Despite the account being closed, this account continues to report active delinquencies. In fact, the bureaus have reported continual 120 day late payments every month since the account was closed, and continues to do so. I have contacted the credit bureaus to correct this issue multiple times, but they refuse to take any action.
Complaint sub-issue: Information belongs to someone else

This is my XXXX attempts to inform you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$770.00} XXXX  Date of Inquiry XX/XX/2020
Complaint sub-issue: Reporting company used your report improperly

I XXXX XXXX am writing about Checkr background check services which has provided multiple reports to employers against contract. It is a breach of contract for them to apply any part of my criminal history that is over 10 years old. They placed items that are from 2005 and earlier on my report. They have fixed this issue one time in the past but this is the third time they have done this to me. Because they have done this my employers have changed their opinion of me for a record that happened when i was a teenager. This is not right and a breach of contract. They need to permanently fix their policies regarding this matter especially considering im about to have my background check ran again for a XXXX XXXX position next week. 

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

US Bank put a hard inquiry to my account without my consent or knowledge. Instead they pretended to offer me a credit increase and 'asked ' me a few simple questions about my household income without informing me that this would put a hard inquiry on my credit report.
Complaint sub-issue: Account status

This is the second compliant I have filed against Equifax for the same reason and the same credit card company. I am fed up with Equifax, if the cant report the correct information maybe the should be in a different business. This makes me think they sabotage consumers credit intentionally. I have a credit card with XXXX that is not over the limit and the payments are up to date. The Equifax is reporting that my credit card is over the limit and 120 days past due, this is a flat out lie. Again, I ask why are n't the other credit reporting agencies reporting this nonsense, no one is reporting this but Equifax. My next step is to file a lawsuit against Equifax for intentionally reporting incorrect information. After they reported this incorrect information this caused my credit score to drop XXXX-XXXX points. I have documentation showing this credit card IS NOT behind and its not 120 days past due! I am sick of incorrect information being reported by this bureau. I want my credit report corrected today!
Complaint sub-issue: Information belongs to someone else

The attached document account with DCS/Division of Child Support/XXXX XXXX is inaccurate , fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this DCS/Division of Child Support account : Please remove all of the inquiries as stated above, as they are listed below from Equifa'x report . The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below.
Complaint sub-issue: Debt was result of identity theft

Based on my credit report there was a credit card account opened using my personal information on XX/XX/XXXX. After reviewing my credit report in XX/XX/XXXX I contacted US Bank. I informed them that the account was not mine. They then created a case and mailed me an affidavit and police report form. I went to the proper measures to get the forms filled out and mailed them back to US Bank. I contacted US Bank again on XX/XX/XXXX and they informed me that they never received the forms however I know that is untrue because I sent it via certified mail. I have disputed the account with the 3 credit bureaus multiple times since XX/XX/XXXXas well as written letters asking for verification. US Bank never responds and when I call them they provide me the same information about sending them a police report, in which I have did previously. US Bank has not been willing to work with me and they appear to be unconcerned about with helping me with the fraudulent account.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with HUNTER WARFIELD, INC and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, HUNTER WARFIELD, INC and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Complaint sub-issue: Investigation took more than 30 days

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate the account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I am receiving harassing phone calls and will be meeting with counsel to file suit against said debtor. 

They have provided no proof that I owe anything it is all hearsay, until the provided information is received the debt is not understood. 

I am giving 30 day response time with all documentation provided, or debt be removed. Per my legal rights.
Complaint sub-issue: Didn't receive services that were advertised

I was a member of XXXX and I am still I was a customer of theirs I haven't paid them yet or lately due to health reasons but they never once reported me to the credit bureaus as promised to help raise my credit line and limit you never disclose that they told me that they would and it's never been done and then they kept hitting me with these every once every few months so I would like to either have them completely removed from my account and have my money returned to me that for false advertisement and I do see that 8th class action lawsuit was recently won back in 2016 for this very reason but I wasn't aware of it at that time either and I was using their service in 2016
Complaint sub-issue: Problem during payment process

In XXXX XXXX, the correspondent re-financed his house. Using equity from the interchange, the correspondent asked XXXX XXXX XXXX XXXX ( the escrow company ) to pay off his Citibank account in the amount of {$31000.00}. A first check was sent in XXXX XXXX. As this check was not cashed within thirty days, the correspondent asked the escrow company is cancel that check and re-issue another check. The second check was sent using XXXX or similar courier on or about XXXX XXXX XXXX. That check was cashed and deposited by Citibank on or about XXXX XXXX XXXX. 

The correspondent started checking his Citibank for the deposit for thirty days. When the deposit was not forthcoming, the correspondent then had a phone conversation with Citibank Payment Investigations. The resultant fax ( XXXX ) was sent XXXX XXXX XXXX. 

Subsequent digital and physical mail communications with Citibank indicate that the deposit was made in an incorrect account ( XXXX ). A subsequent digital communication indicted that the correspondent should ignore the letter sent on XXXX/XXXX/XXXX or words to that effect. 

After repeated efforts on the part of the correspondent to rectify this situation and with full and complete disclosure of all attached information, Citibank has refused to continue to communicate regarding this issue. 

The correspondent has continued to pay the monthly payments on the account to ensure the good state of his credit record. 

XXXX Original correspondence with Citibank regarding the paid off account dated XXXX XXXX XXXX includes ; a copy of the source check from escrow company and deposited check from Citibank. 

XXXX Copy of digital correspondence on XXXX XXXX XXXX where Citibank tells that they inadvertently deposited the check into the account of XXXX XXXX. 

Correspondence1 Correspondence2 A collection of the digital correspondence between XXXX and Citibank
Complaint sub-issue: Funds not received from closed account

I want to add the content of the last case. All my money is in citibank. However, I paid for my credit card and bills, but citibank did not pay for my bills and credit cards, which caused my XXXX XXXX credit card to be closed for reasons. Payment returned! I deposited {$500.00} in the uphold company to buy XXXX  currency, but the XXXX currency increased from {$0.00} to {$0.00} each day, the currency 's profit was also confiscated, and my investment account was closed! The reason is that the deposit failed ... he suffered heavy losses. Not only did citibank not pay my bills and credit card, but it also charged me overdraft fees. I dont know what to do! Because many transactions in citibank were not paid, my money was in my checking account. I asked to get my cash back, but after the bank said it needed XXXX, I didnt have any right to choose. Facing the current covid-19 period, I dont have a job, but it will take 60 days for me to receive my money. So how should I live my life recently? I dont have any money anymore. I hope your company can help me faster! Thank you
Complaint sub-issue: Information belongs to someone else

My identity has been compromised while I was XXXX and now I see accounts on my credit report inwhich I have no knowledge of and would like these accounts removed from my report immediately. These following accounts do not belong to me, ( 1 ) XXXX XXXX {$530.00}, ( 2 ) XXXX XXXX, ( 3 ) XXXX  XXXX {$290.00}, ( 4 ) XXXXt XXXX XXXX {$250.00}
Complaint sub-issue: Debt is not yours

I called XXXX XXXX XXXX today XX/XX/XXXX to report an inaccuracy on my XXXX  and XXXX  Credit Report. On XXXX it is listed as XXXX XXXX XXXX XXXX i the amount of {$450.00} ( reporting date XX/XX/XXXX ) telephone number is for XXXX XXXX XXXX  and on XXXX it is XXXX XXXX XXXX in the amount of {$440.00} ( reporting date XXXX ). At the time of service I was a college student in XX/XX/XXXX and a legal dependent of my father XXXX XXXX XXXX, XXXX and I am XXXX XXXX XXXX, XXXX an unemployed college student. I needed XXXX   treatment in XX/XX/XXXX in which my father gave his consent for me go to the XXXX XXXX XXXX. XXXX in XXXX, GA my mother also signed for me to utilize their XXXX insurance and accompanied me each visit with the exception of my XXXX visit when my paternal grandmother passed. My father was gainfully employed and was making payments on my XXXX   account which he was responsible for due to the fact I was on his insurance and under the age of XXXX. My father became ill and XXXX in XX/XX/XXXX and was mo longer able to make payments on the account. The account was turned over to XXXX XXXX XXXX ( XXXX ). I tried to explain to the legal department of XXXX XXXX XXXX today XX/XX/XXXX. That the dentist office transposed the file due to the fact my father and I carry the same name. However, she stated I was responsible for the date because I was over the age of XXXX at the time of rendered service. If this was the case this debt should not have been filed on my fathers XXXX  insurance and no payments excepted from him to rectify the account. Might I add upon graduating from college in XX/XX/XXXX, I enlisted in the XXXX in XX/XX/XXXX, graduated from XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX ) and XXXX XXXX for the full 13 weeks of training. I take pride in representing our country and my credit profile. I do not wish to carry a negative blemish for the clerical error of someone else 's mistake. I thank you for your assistances and immediate urgent attention in resolving this matter. 

In my conversation with XXXX in the legal department she was most rude and snappish towards my explanation and questioned the intelligent intellect of my mother.
Complaint sub-issue: Was not notified of investigation status or results

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Complaint sub-issue: Debt is not yours

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.