Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Deposits and withdrawals

On or about XX/XX/XXXX, PNC Bank ( PNC ) put a hold on important funds {$4200.00} saved from Social Security checks of my late mother. I was her Representative Payee until her death on XX/XX/XXXX, and the funds came from a checking account {$2200.00} and a savings account {$1900.00}, which amounts were combined into one checking account on XX/XX/XXXX. On XX/XX/XXXX PNC withdrew {$19.00} to pay for printing a book of checks. On XX/XX/XXXX I deposited {$10.00} in the account to keep it active. A pending status was placed on the account on XX/XX/XXXX. The hold prevented my giving the saved benefits after death to the legal representative of the estate, a court appointed Administrator. PNC prevented access to the funds thus interfering with plans of the ( primary ) executor designated in the Last Will & Testament to  pay outstanding medical bills incurred during her care with the funds and forwarding any remaining amounts to the ( primary ) executor. PNC refused or failed to disburse the funds to the attorney for the estate in the fall of XXXX and/or to the Administrator in XX/XX/XXXX. 

PNC has not allowed the account to be closed because of the pending status. PNC has continued to control the funds denying the estate investment opportunities to earn interest at the prime rate therefrom.
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. I have some addresses on my file that do not belong to me, please remove delete : XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX CT XXXX TX XXXX.
Complaint sub-issue: Account information incorrect

The account was reported late on XX/XX/XXXX for the month of XXXX along with the wrong balance.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

For the past 2 weeks, consistently, Prime Recovery LLC has been calling and texting my father incessantly. I went on to their website to confirm my contact information with them and requested that they remove any other numbers or contacts associated with my file and to stop harassing my family and friends and it has not stopped.
Complaint sub-issue: Account information incorrect

Please forward the information to CKS Financial. Thanks!
Complaint sub-issue: Need information about your loan balance or loan terms

My XXXXXXXX XXXX XXXX XXXX are showing canceled from XX/XX/2009 to XX/XX/2009. However, I do not see where the cancelation of these loans decreased my balance. I called Customer Service at XXXX and they said they canceled the loans so no longer their problem. So I called XXXX and they said because I consolidated the loans getting a cancelation afterwards I will still owe the full amount. I am not sure how that makes sense that the Dept. of Education got credit from XXXX but I am not allowed to get the credit past to me and still owe for the loans that are now showing as canceled. I need some help with clarifying this situation. I have my past credit report that shows the full amount of those XXXX loans before they were canceled.
Complaint sub-issue: Card was charged for something you did not purchase with the card

ON XX/XX/XXXX MY FRIEND AND I CALLED DISCOVER AT XXXX-XXXX-XXXX-XXXX. WE WERE TRANSFERED 3 TIMES, AND ON THE PHONE FOR OVER AN HOUR BEFORE WE FINALLY GOT SOMEONE WHO COULD HELP US. HER NAME WAS XXXX. SHE WAS EXTREMLY RUDE, AND VERY NASTY. I EXPLAINED THAT DUE TO MY HEALTH ISSUES I HAVE TO HAVE MY FRIEND ON WITH ME, BECAUSE I HAVE XXXX, AND CAN NOT ALWAYS REMEMBER EVERYTHING. WE THEN EXPLAINED THAT AFTER REVIEWING MY INFO I FOUND A CHARGE I DID NOT AUTHORIZE ON XX/XX/XXXX DONE BY XXXX  SALES FOR {$2600.00}. SHE THEN SAID SOME THINGS THAT IM SORRY BUT ARE NOT OK TO SAY TO ANYONE! SHE SAID WELL IF I HAVE XXXX THAN HOW WOULD I KNOW IF I MADE THE CHARGE. SHE THEN SAID THAT THIS IS PEOPLES PATTERN WHEN THEY DONT WANT TO PAY FOR A CHARGE! SHE MADE IT SEEM LIKE I WAS USING MY SICKNESS TO GET OUT OF PAYING FOR SOMETHING WHEN I ALREADY PAID IT OFF. SHE THEN SAID THE ONLY WAY SHE WOULD HELP ME IS IF I FILE A POLICE REPORT! I TRIED TO EXPLAIN THAT I AM IN MY XXXX AND SICK, AND MY HUSBAND IS IN HIS XXXX AND HAS XXXX. IM SORRY BUT THE WAY SHE TREATED ME IS NOT PROFESSIONAL AND I FEEL SOMETHING SHOULD BE DONE ABOUT IT.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I reviewed my credit report and contacted Equifax several times by phone, mail and fax and advised they are reporting inquiries of companies that I have now knowledge of applying for these credit products. They they respond by saying, " even though I dispute these erroneous inquiries, since they are on my credit report, it is deemed factual ''. I totally disagree with their practice. They never do any investigation, just say they are factual. I contacted Equifax in XX/XX/XXXX by phone and advised of erroneous inquires as well as mailed a letter, then again in XX/XX/XXXX another call but to no avail.
Complaint sub-issue: Their investigation did not fix an error on your report

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that AMERICOLLECT INC has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Complaint sub-issue: Attempted to collect wrong amount

I have been sent to collections to two different companies for the same debt with two different amounts. I believe Macy 's has violated FDCPA by laws as well as these debt collectors. I have attached two separate letters to validate my complaint.
Complaint sub-issue: Was not notified of investigation status or results

I am seeking the deletion or modification of erroneous and inaccurate information contained in my credit file. I submitted a formal request to all 3 credit bureaus ( XXXX, XXXX  and Equifax ) on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. 
I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 4 months now and I have not received any responses from XXXX  and XXXX  to my requests. I did receive a response from Equifax but not all of my issues were fixed.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed a paid-close account ( XXXX XXXX # XXXX ) opened XXXX. My issue with the account was not resolved. I spoke with XXXX XXXX on XXXX about my account # XXXX and having it removed. The agent informed me that upon completion of payment for the account XXXX XXXX sent out a notice to have it as paid status and removed from my credit report. She also stated that I would have to contact the credit reporting agencies to inform them of this and to have the account removed from my credit report.
Complaint sub-issue: Debt was result of identity theft

My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed by fax and through the CFPB, XXXX in there response state they do not need to show any documentation I requested, they fall under the FDCPA guide lines but state they above the law .Again I request the documentation enclosed { in detail for each question } I have not receivded any confirmation on how you have verified the alleged accounts as of XX/XX/2019 as you stated in your response, please send a copy of return receipt that you sent and I received any documentation you claim I have no right to.All documentation again enclosed for you to answer for my investigation If you refuse then this claim is frivolous and i demand it be removed at once there should be no reason for you not to give the information in detail .I may file a complaint with the state medical board on your client and the FTC. CFPB please read there response they have a lot of complaints filed against them
Complaint sub-issue: Account status incorrect

They are reporting inquiries on my credit report that I DO NOT recall. Please provide me with documentation and proof I applied for credit with these creditors. If you can not provide such documentation, then please remove all these inquiries from my credit file immediately. Also there are alot of accounts that are being reported incorrectly. These accounts are showing past due and or charge-off/closed accounts. According to FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report and please provide me with a new credit report reflecting these accounts removed upon completion. LAW 15 U.S.code 1666 correction of filling error and LAW 15 USC 16816 Permissible proof of consumer report.
Complaint sub-issue: Information belongs to someone else

I was viewing the details of my credit report and I saw that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX had some inaccurate accounts on my file that I don't recognize. I was looking at the FDCPA, Section 609 ( a ) ( 1 ) ( 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. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, of this information.
Complaint sub-issue: Information is not mine

i never applied for the following inquires i disputed several times and they keep confirming this and its not mind i send over the police report they asked for and there still not removing the following fraudulent inquires that i NEVER authorized or applied for : accion new yorn XX/XX/XXXX credit XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mortgage XXXX XXXX XXXX/XXXX/14, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX logic XXXX logic XXXX XXXX XXXX XXXX XXXX va XXXX XXXX XXXX factual XXXX factual XXXX payment systems XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX trust XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My husband and I paid over $ XXXX to have a new floor and special grout installed in our new home. We prepaid all, as required and signed the contract that Home Depot does not in turn honor. I paid an extra {$700.00} to get the pattern laid called XXXX. To make a long story short-I was bullied and told that the installer would refuse to lay in this pattern. He instead left my house and job. After I called Home Depot regarding this-they called installer and told him to return. For the next 3 days he laid the tile. We also had paid another company to drop off base molding and paid to have HD install it also. They did horrible job at installation of the floor and baseboards. I have loads of pictures proving my case. Floor is horrible as is the base. HD solution : give me {$500.00} credit. Nope! So I am currently enlisting all agencies to help me dispute this home depot citibank claim for {$4700.00}.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

I was robbed on XX/XX/30 took me seven days to get a live person on the phone I have my call log to them then I was told some documents were being sent and would take 3 to 5 days this was on the XXXX I get on the XXXX I fax it over I had until the XXXX to get them in. So I call this morning and they already closed my dispute I have done some investigation of my own and these people are on camera using my card and I dont get my money back. This direct Express card needs to be taken off the market.
Complaint sub-issue: Their investigation did not fix an error on your report

On  XXXX / XXXX / XXXX    XXXX   deleated a collection from my report the agency reporting was  XXXX    XXXX   and the creditor was  XXXX   XXXX   XXXX   XXXX  in the amount of {$280.00}! I have asked EQUIFAX to deleate this same creditor from my EQUIFAX report because of  XXXX  deleation! They reported back that it was valid? On  XXXX / XXXX / XXXX  I wrote a letter to EQUIFAX and told them that they must remove this collection from my report as to follow the other  Bureaus  deleation. I also told them that I was filing a complaint against EQUIFAX for delibertly not removing the collection account! I told EQUIFAX that I will wait 30 days to see if the collection account would be removed and if not I will intiate a complaint to Consumer Finance! Well apparently they received my letter and in retaliation reduced my credit score  XXXX  points as the other Bureaus did not reduce my score I apparently got my answer by EQUIFAX reducing my score! I pay all my bills on time and do not know what this collection is I have disputed this collection since  XXXX  when it first appeared on my record in 2 years it will b e 7 y  earss old and by statue i t MUST BE REMOVED! Please help me dispute this with EQUFAX Thank You!
Complaint sub-issue: Debt was paid

As of XX/XX/XXXX I owed XXXX cents to the state of Indiana .. on XX/XX/XXXX th XXXX XXXX of XXXX XXXX XXXX placed a hold on my Checking account for XXXX  plus I was charged XXXX they also garnished my check on XX/XX/XXXX XXXX  and XX/XX/XXXX XXXX  I reached out to them multiple times either they are too busy and it tells you to leave a message which i did two weeks ago never received a call back so basically they have attempted to take XXXX Dollars plus for XXXX dollars I also contacted the state of Indiana as well and was hung up on by a rep which I am contacting the states attorney office next
Complaint sub-issue: Their investigation did not fix an error on your report

Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection with a PAST DUE Balance of {$1.00}, XXXX. 

Account Name : XXXX XXXX  Account # XXXX PAST DUE BALANCE OF $ {$1100.00} ( Account in Collection/Charge off please delete ) Date open : XXXX is XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, and Equifax show XX/XX/XXXX High Credit : XXXX is reporting {$1100.00} and XXXX show XXXX, and Equifax show {$1100.00} Lasted Reported : XXXX is reporting XX/XX/XXXX. XXXX show XX/XX/XXXX and Equifax show XX/XX/XXXX Date of Last Active : XXXX show XX/XX/XXXX, XXXX show XX/XX/XXXX and Equifax show XX/XX/XXXX Past dues balance, Date open, High Credit Lasted Reported, and Date of Last Active all show inaccurate on this account accordance to XXXX XXXX Guidelines it MUST be delete. 

This is a violation of the FCRA and is also in violation requisite METRO XXXX reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the righto a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory item be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX was closed without documentation submitted by XXXX XXXX reviewed. Close review of documentation submitted by XXXX XXXX to CFPB shows information was submitted for someone with the last name XXXX, a submitted Lease containing multiple leasees ' which was voided by XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX in XX/XX/2017, two different apartment numbers ... one in the Lease and another on the Statement, no payment information showing dates and amounts of rental payments as well as the last date of payment. This is why court documentation and a court judgment confirming the accuracy of the reported debt has been requested. XXXX XXXX refuses to substantiate the debt with legal court documents. I am requesting again that XXXX XXXX provided court documentation and a court judgment to substantiate the reported debt. Submitted documentation by XXXX XXXX confirms the act of merging information from other accounts to confirm the reported debt. Legal court documentation and court judgments will confirm the debt and should be provided to CFPB.
Complaint sub-issue: Debt was paid

Received a bill from AR Resources on XX/XX/19 attempting to collect a debt for " XXXX XXXX XXXX XXXX '' in the amount of {$210.00} for my Daughter, XXXX XXXX. I do not owe XXXX  XXXX XXXX XXXX any money. I dispute the validity of this debt.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS AND INQUIRY DOES NOT BELONG TO ME AND IS NOT IN CONNECTION WITH ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY AND ALSO TO REMOVE THEM OFF MY CREDIT FILE AS SOON AS POSSIBLE.
Complaint sub-issue: Investigation took more than 30 days

dates from XX/XX/XXXX TO XX/XX/XXXX AND XXXX CREDIT BUREAU OVER THESE MONTHS I HAVE DISPUTED FOR ACCURACY AND VERIFICATION AND VALIDATION OF PUBLIC RECORDS, NEGATIVE ACCOUNTS AND INQURIES THAT WAS UNAUTHORIZED. NOT ONLY DID I DISPUTE THESE ITEMS BUT I REQUESTED FOR THE METHOD OF INVESTIGATION AND I REQUESTED FOR CERTAIN ACCOUNTS TO BE CHECK FOR ACCURACY AND IF THEY WAS, TO PLEASE UPDATED THEM IN MY CREDIT REPORT AND TO EXPLAIN HOW THEY WERE VERIFIED. OVER 3 SEPERATE DISPUTES I REQUESTED THE SAME REQUEST AND THEY NEVER DID. WHICH IS A VIOLATION OF THE FCRA.. THEREFORE THE ARE OVER THE 30 DAYS DISPUTE ON EVERY DISPUTE I FILE. I ALSO FILE DISPUTE FOR INQURIES AND THEY NEVER DISPUTED THEM. WHICH IS A VIOLATION OF THE FCRA.. THEY ARE ALSO OVER THE 30 DAYS. XXXX HAVES DISPUTES THAT I SENT THEM, THAT THEY NEVER DISPUTED AND THEY ARE NOT FRIVOUS DISPUTES I AM REQUSTING THAT THEY DELETE AL THE NEGATIVE ITEMS THAT DISPUTE FOR NOT VERIFYING THEM WITHIN THE 30 DAYS, OR I WILL FILE COURT INJUNCTIONS AND CIVIL SUITS AND MORE COMPLAINTS. ALSO COMPLAINTS ITH THE ATTORNEY GENERAL. THESE ARE THE ACCOUNTS THAT MUST BE DELTED. THEY ARE ALSO INVOLVE IN FRAUD 1.XXXX XXXX # XXXX 2. XXXX XXXX # XXXX 1. CA BANKRUPTCY XX/XX/XXXX 2. TX BANKRUPTCY # XXXX INQUIRIES ARE THE INQURIES THAT I DISPUTED. I ALSO REQUESTED A FREEZE ON THESE CREDIT REPORTS AND SOMEONE IS STILL GETTING INQUIRIES FROM MY CREDIT REPORT AND THEY JUST DONT CARE. THESE COMPLAINTS THAT I AM FILING IS VERY TIME COSUMING BUT IF THEY CONTINUE TO WASTE MY TIME, THEN THEY WILL PAY WITH LAW SUITS
Complaint sub-issue: Reporting company used your report improperly

XXXX security practices led to my personal identifying information being leaked, putting me at risk for identity theft.
Complaint sub-issue: Public record information inaccurate

In XXXX of 2021, I received a signed letter from XXXX  XXXX the District Manager of the Bankruptcy Court of XXXX stating that they do not furnish information to the Credit Reporting Agencies. She clearly stated that you can access the information for a fee of XXXX} on the XXXX  website or you can use the public terminal at the courthouse free of charge. 

On XX/XX/2021, I got results back from CFPB Case # XXXX in which I disputed this same bankruptcy with XXXX who is the vendor to all three major Credit Reporting Agencies . The results were this : Our records show on XX/XX/2021 and XX/XX/2021, XXXX XXXX also contacted the XXXX Consumer Center directly, in which he wanted to dispute the reporting of the same bankruptcy record. 
Re-investigation results : In response to XXXX XXXX complaint filed with your office, XXXX removed bankruptcy record case number XXXX from his XXXX file. A resolution letter along with an updated consumer report has also been mailed to XXXX XXXX for his review on XX/XX/2021 If XXXX XXXX has any questions regarding how and what information is displayed on a credit bureau report, XXXX XXXX will need to contact the credit bureau directly. 

For this dispute, XXXX contacted the following source : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX - ( XXXX ) XXXX
Complaint sub-issue: Investigation took more than 30 days

I sent a dispute threw the CFPB asking XXXX, XXXX, and Equifax to investigate my accounts. According to XXXX XXXX XXXX - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results and are supposed to record the current status of the disputed information which they did not and also did not update the status/date of dispute which is another viloation. These consumer reporting agencies are in violation. Evidence provided below with violations. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled.

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 XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX