Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

Upon reviewing my consumer report i recognized some inaccuracies on my credit report that have hindered my ability to extend credit. According to Congress of the United States pursuant to title 15 USC 1781 an inaccurate and unfair credit report directly impairs the efficiency of the banking system undermines the public confidence which is essential to the continued function of the banking system. I require the 2 fraudulent collection accounts on my consumer report by XXXX XXXX XXXX opened XXXX XXXXbe deleted and removed immediately and its fraudulent and innacurate nature is very damaging to my reputation, My Consumer rights have been violated and this unfair reporting has hindered me from enjoying the pursuit of happiness as gauranteed by the constitution in accordance with FCRA 650 title 14 USC 1681c-2 Block a consumer reporting agency shall block the reportingof info on a consumerr file that identifies as resulting from identity theft. I require this account be removed immediately
Complaint sub-issue: Can't close your account

PNC Reference : XXXX In email of XX/XX/2020 I instructed PNC Bank ( " PNC '' ) to close three accounts in my name. However, PNC refuses to close the account and charges fees for no service whilst maintaing these accounts active against my instructions. 

I have advise PNC of the following in writing ; 1. I have taken all reasonable steps to close these accounts. Alas the PNC system does not allow me to do so.

2. I have being locked out from online and mobile access to the accounts.

3. I no longer reside in the US, hence I am unable to use a branch to do so or use the address on PNC 's records for correspondence 4. I no longer own the mobile phone or number that is registered with PNC for communication or verification. 
5. I provided PNC with alternative mobile number for communication
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX and XX/XX/XXXX my credit report is showing inquiries from XXXX company. I did not authorize these inquiries and would like them removed immediately from my credit report. 

Name of Company Date of Inquiry Type of BusinessXX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Complaint sub-issue: Was not notified of investigation status or results

I have been trying to dispute this account multiple times and have not received the proper updates. The dispute started in XXXX of XXXX and it still has not been reflected in my credit reports from XXXX and XXXX as being disputed. This is a violation of 15 U.S. Code 1681s2 - Responsibilities of furnishes of information to consumer reporting agencies- ( XXXX ) as the account was not noted as being disputed within XXXX  days. Additionally, 15 U.S Code 1681a ( 2 ) ( A ) I states that transactions should not be included in a credit report, but this late payment is still being reported, resulting in another violation of the XXXX code.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX, I disputed the way Equifax reported on a collections account that I have been paying every month. Therefore, the balance is decreasing every month. The balance is currently {$15000.00}. Equifax 's report reflects a decrease in credit score whenever a payment is made and reported on this collection account as if this was a new collection item. The score drops between 18 and 23 points when this happens. I will continue to pay on this collection account. My credit report should not reflect a decline in my score whenever I make a payment each month. I disputed this situation with Equifax on XXXX/XXXX/XXXX and when I made my XX/XX/XXXX payment, Equifax did not show the decrease in my balance from {$15000.00} to {$15000.00} and decreased my score on XX/XX/XXXX by 18 points with no other negative activity on my report. This report is about Equifax and the way in which their program is unfairly and inaccurately reporting on payments made on collections accounts. There is nowhere in the FCRA that allows for this kind of Credit Bureau action/inaction in response to positive behavior. It is scoring my report as if a negative action took place or as if no positive action had taken place. This is a design, programming or other flaw in the system that needs to be addressed. The people involved are myself and Equifax. No individual has identified themselves from Equifax in their response or lack of response. They promised a response by XX/XX/XXXX regarding this matter and NOTHING has happened. Nothing changed. Their response is still pending. Today is Monday XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

FCRA violations : social security number not mine XXXX FCRA violations : inquires not mine XXXX XXXX Inquired on XX/XX/XXXX On XXXX until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX US SM BUS ADMIN ODA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXnquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX FCRA violations : accounts not mine U.S. DEPARTMENT OF EDUCATION XXXX negative Date opened XX/XX/XXXX Balance {$0.00} Status Collection account. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Collection account. {$1700.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$160.00} Status Collection account. {$160.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$140.00} Status Collection account. {$140.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. {$1700.00} written off. {$1700.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$480.00} Status Collection account. {$480.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. {$100.00} writte
Complaint sub-issue: Account information incorrect

On XX/XX/2020, I purchased a washingmachine using Acima Credit. When the item was delivered, it was defective and not working properly. I immediately contacted the seller who told me it was my problem. I then immediately contacted Acima Credit and asked them to pick up the defective item. Acima Credit stated they would not pick up the item but instead they would offer me a settlement price. I paid the settlement price and Acima Credit listed it on my credit as a negative item. I was never informed that this reflect on me negatively and be reported on my credit.
Complaint sub-issue: Problem with personal statement of dispute

I have requested several times to have consumer statements removed from my Equifax file. 

After each call, I received an email from Equifax with a confirmation number stating that my dispute to have the consumer statement removed has been completed, yet they still remain on my credit file. I have six such emails, all with different confirmation numbers, from each of my calls. The following dates are from the emails stating that the dispute is complete and that the statement has been removed. These confirmation numbers and dates are as follows : confirmation # XXXX dated XX/XX/XXXX, confirmation # XXXX dated XX/XX/XXXX, confirmation # XXXX dated XX/XX/XXXX, confirmation # XXXX dated XX/XX/XXXX, confirmation number XXXX dated XX/XX/XXXX and confirmation number XXXX dated XX/XX/XXXX. 

I have talked to several representatives from Equifax that stated that my file would be updated within 24 hours and the consumer statement would no longer be on my file. I get an updated credit report from Equifax through a paid subscription, and the statement still remains. 
I continue to call them daily and speak with them, only to be assured that the statement will be removed this time, yet it never is. Every person has the right to remove a consumer statement from their credit file. Please help me address this.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$0.00} ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$0.00} ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$0.00} ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT WAS OPENED : XX/XX/XXXX ACCOUNT BALANCE : {$280.00}
Complaint sub-issue: Banking errors

I am submitting. New information regarding all charges disputed how I wasn't credited back the money or numerous fees you hit me with
Complaint sub-issue: Reporting company used your report improperly

Due to the recent hack of Equifax my information was exposed to people that I have not authorized. I used their tool and both me and my wife were reported as potentially exposed.
Complaint sub-issue: Information belongs to someone else

Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Complaint sub-issue: Frequent or repeated calls

Conns Applicances keep calling this business phone XXXX XXXX trying to get into contact with an employee who is no longer with us but they constantly harass us with calls XXXX times a day. We ca n't run our business properly if they are constantly calling. It 's become a harassment at this point and we just want it to stop.
Complaint sub-issue: Problem accessing account

Ive had PNC Bank for over 25 years, great company.. anyway.. a few years ago with a former job I had the XXXX app set up with my bank, its a credible cash advance app that takes the money back out when u get paid, technically you dont even have to tip them.. XXXX XXXX  was advertising them initially.. very credible.. anyway ... I never had issues with that app being able to put in my credentials to look into my balance/see if my paycheck went in/see if their charge went through also.. I got a different job and got that set up again.. and for some reason it keeps saying that my bank made a change that doesnt allow me to link my accounts? I contacted PNC, got transferred to a department more knowledgeable of this situation.. its not them apparently ... but the app says my only other chance is to contact you, cuz it could be you guys blocking immediate access for my own security.. please help
Complaint sub-issue: Problem getting your free annual credit report

put in for XXXX XXXX XXXX XXXX cant get hard copy on XXXX XXXX, equifx, XXXX dont come up
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, 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 a account without my written instructions. 

Furthermore, XXXX XXXX has reported to the credit agencies conflicting information stating under the Additional Information Section of my credit report that " Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$4500.00} ; '' however, they also are reporting that my balance is {$23000.00} of XX/XX/XXXX. I am confident that you will find the attachment as self evident of these facts.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting Act Equifax, has violated my rights. 

15 USC 1681 Section 602 : States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Acima 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 an account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section XXXX States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. I currently work from home. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
I had to block the harrasments.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XX/XX/XXXX/XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account number XXXX Has violated my rights. XXXX XXXX Account # : XXXX Account Type : Installment Account Type - Detail : Auto Loan XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 36 High Credit : {$10000.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Repossession Last Reported : XX/XX/XXXX Comments : Voluntary repossession Returned voluntarily Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX
Complaint sub-issue: Inadequate help over the phone

Equifax continually discriminates towards me as XXXX XXXX US citizen *prohibiting all access for me to call executively about my consumer profile from every phone number I have within the US . @ XXXX XXXX XXXX in the XXXX executive office in consumer affairs consists on laughing the matter off than hangs up when I requested their IT dept. This was reported to their human resources director XXXX XXXX XXXX that I suspect internal compliance violations by their executive office that is solicitously invading in affairs of my consumer privacy on purpose & it needs to stop soon or I will seek to press charges. Do n't I have the right to be concerned when I 'm denied technical assistance?
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts.
Complaint sub-issue: Problem with balance transfer

Citi bank has deceptive trade practices with luring in individuals in regards to doing a balance transfer at 0 % APR for a year, unless you use your card at all then it essentially nullifies this and you have to pay the entire balance or they will not apply the payment to the right balances due per segment of charges. For example, I signed up via their app to transfer $ XXXX at 0 % APR and paid XXXX transfer fee. Well I had purchases on the card like anyone would with XXXX that month. Since I had auto pays after the transfer processed they took my {$1300.00} payment and applied it to everything but that balance of the XXXX charging 23.99 % interest and you literally now can not pay it off unless you pay everything including that transfer off. Their disclosure is deceptive as well that they sent. It does not specify your balance transfer that you're making would have to be paid in full which literally cancels out your purpose and nobody would do it if that was clearly written and not a bait and switch tactic/deceptive practice. It removes your right to use your card as agreed upon after a balance transfer until it processes which is in their complete control which to me is a fraudulent practice. So now, I am out of the balance transfer amount, the amount they charge in a fee 5 % and any interest on the those amount from the previous statement that they refuse to appropriately apply the payments to.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has refused to remove a more than  7 year old pai d tax lien from my credit report. I have disputed at least 3 times since  XXXX , last time being  XXXX   XXXX . They sent me results stating that they have verified the information as correct. This is a violation of the FCRA.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My credit has been pulled fraudulently. Please remove inquiry
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX true Identity theft ) 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 Please block this information from report XXXX Report Number : XXXX Account Name : XXXX XXXX XXXX. Account Number XXXX Date Opened XX/XX/XXXX Account Number : XXXX Date Opened XX/XX/XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax : XXXX Account Name : XXXX XXXX XXXX account number # XXXX dated open XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX File NumberXXXX Account Name : XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Account Number XXXX Date Opened XX/XX/XXXX Account Name : I XXXX XXXX XXXX  ACCOUNT NUMBER # XXXX DATED XX/XX/XXXX Account Name : XXXX XXXX  XXXX ACCOUNT NUMBER # XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XX/XX/XXXX also address listed on my report ive never lived at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX , GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX, GA XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX  COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ive been attempting to clear my credit report of these fraudulent items as far back of XXXX and have not successful