Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

" WARNING ''. There are two negative accounts on my credit report which may be from the Equifax data breach of XXXX. Acct # XXXX for the amount of {$140.00} and the second acct # XXXX for the amount of {$81.00}. These two accounts are still being reported after " 83 DAY 'S '' with Equifax after I've sent them a letter on XX/XX/XXXX ( copy of letter is attached ) stating that the accounts were not mine. XXXX XXXX XXXX both deleted both accounts off my credit report XXXX a copy is attached ). As Equifax is well aware, federal law requires credit reporting agencies to respond within 30 days. Equifax has failed to respond in the proper time frame. Failure to comply with these federal regulations by credit reporting agencies will be investigated by the FTC ( 15 USC 41, et seq ) and they must delete the item immediately. If Equifax do not delete this item they may be liable for their non- compliance. Leaving this inaccurate information on my credit report is a Defamation of my Character and has brought me in a stressful state of mind. Im asking to please remove these two accounts off my credit report immediately! Thank you
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In my credit report I have several inquiries which I did not make and I do not agree affect my credit score which have directly affected me.
Complaint sub-issue: Problem using a debit or ATM card

My Debit Cards was Stolen and Numerous Fraudulently activities Took Place in my Account. My Funds were Stolen. I Made a Police Report and the Person While has my Information is On XXXX ( Social Media ) Showing Off my Information and the Information Of Others. All of this was sent the bank and theyre denying my claim saying that I had to Enjoy some of those benefits because the individuals who scammed me called from my number as they made certain request. 

Ive had my account since 2011 and Have never this type of issue. Not only is BB & T refusing to give me my {$2400.00} + but theyre claiming that I took {$9900.00} from them. 
It appears that theyre refusing to properly investigate and simply want to punish the victim despite what Ive already experience.
Complaint sub-issue: Reinserted previously deleted info

I investigated XXXX XXXX through Equifax Credit Bureau and the item was deleted. Please send me the policy and procedure on deletions from the credit bureau. Why after consumers go through a XXXX 45 day investigation and the items are deleted, all of a sudden the item appears on the credit report again. So unnecessary and frustrating!!!!
Complaint sub-issue: Other problem getting your report or credit score

Per complaint XXXX, I am not able to access my equifax reports. The company responded with " Thank you for submitting your complaint the CFPB Complaint Portal. We appreciate the opportunity to address this matter and apologize for any inconvenience you have had so far accessing your myEquifax account. Upon further review, the option to utilize the online website, MyEquifax is not available to you. This decision is based on the information that you have provided during the account creation process. ". The response indicates a clear violation of the fair credit reporting act, provides no remedies to the problem at hand. The company continues to deny access to the credit reports, and has acknowledged it is doing so willfully and on purpose.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX  partial account number XXXX. ( Please see pages 7 and 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Complaint sub-issue: Report improperly shared by CRC

refuse to investigate credit inquires that were not authorized Equifax claims that inquires are a factual record of file access a
Complaint sub-issue: Didn't receive notice of right to dispute

I contacted XXXX an requested validation of a Citibank debt. XXXX did not respond and disclose validation. XXXX violated my rights.
Complaint sub-issue: Information belongs to someone else

On XXXX XXXX 2017 phoned in to all three credit reporting agencies to request investigation of accounts that are being reported that do not belong to me and all 3 have not processed the request. Have not received an investigation results this request has been made every 45 days in writing or by phone calls the following accounts do not belong to me : XXXX XXXX XXXX # : XXXX, XXXX and XXXX # : XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy. 15USC 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without written consent.
Complaint sub-issue: Deposits and withdrawals

PNC does not permit me to link my landlord account to the online property management system " XXXX XXXX '' and I am unable to make deposits of incoming rent
Complaint sub-issue: Frequent or repeated calls

They call almost daily. I have asked them to stop calling as it is a wrong number but they continue to call over and over again.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX. There is no third party involved. I am filing this compliant for misleading false reporting information
Complaint sub-issue: Personal information incorrect

I NEED HELP!! I have recently looked at my credit report I noticed that someone was using my information to apply for credit. I live in XXXX I use to live in XXXX. I need to update my correct name and address on my credit report. My Name is XXXXXXXX XXXX  XXXX. mY CURRENT AND ONLY ADDRESS IS XXXX XXXX XXXX  XXXX XXXX XXXX IL XXXX. THE FOLLOWING ADDRESSES ARE NOT MY PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THERE ARE TONS OF UNKNOWN CELLPHONE NUMBERS ON MY CREDIT REPORT PLEASE DELETE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never had this many phone numbers in my life please delete them they are not accurate.
Complaint sub-issue: Information belongs to someone else

I discovered in XXXX of XXXX that I was a victim of identity theft. I immediately filed a identity theft report with the FTC and gathered all information and submitted notice to XXXX, XXXX and Equifax. The information was received but all three credit bureau 's ignored my attempts to have this corrected. I was able to get some of the fraudulent accounts removed with the original creditors but still have some that I am unable to have block. I have sent all three credit reporting agencies with notices in XX/XX/XXXX and in XXXX when subsequent identity theft was committed. All three credit reporting agencies are picking and choosing which information they will block and which they will not. I feel like this is the next step I am having to take to get this resolved before I try to take this to small claims court.
Complaint sub-issue: Trouble with how payments are being handled

I have made payments of {$1000.00} per month since 2010, while working for qualified employers. I have made PREPAYMENTS on my loans, and my payments were {$100.00} more than what I was required to pay. Fedloan Servicing alleges that 139 payments made in 11 years were ineligible without providing me any specific information as to how my payments were ineligible. I have asked for the dates of my payments, the amount of payment they allege I was supposed to pay, what payment plan they allege I was supposed to be on, and how they credit or did not credit my account. My loans should have been forgiven last year under the PSLF program or the TEPSLF program. My payments were made ahead of time and above the amount required. I want a DETAILED response explaining why they have not credited my 139 payments ( only 120 are needed )
Complaint sub-issue: Information is missing that should be on the report

I applied for credit with a company ans was told that I did n't have credit. I proceeded to pull my own credit with Equifax monitoring service. To only discover that they have fraudulently removed credit lines from my report without my permission of a dispute and without the creditors permission. They also put derogatory information that was disputed and found not acceptable off my credit were put back on. They have updates on previous credit reports but as of XXXX XXXX and XXXX XXXX my report shows no updates as of 2016.
Complaint sub-issue: No notice of investigation status/result

Equifax has allowed XXXX XXXX to continue to report on my credit report even after I have disputed this account. Neither Equifax nor XXXX have provided me adequate information to validate or verify this account. Therefore I want it deleted from my report immediately.
Complaint sub-issue: Fee problem

On XX/XX/XXXX I used my US Bank account to fund a transaction in error. I did not realize I used this account until XXXX in which I immediate took action to resolve the issue. I updated my address and contact information, contacted US Bank about the fees assessed against my account ( {$36.00} on XXXX, {$25.00} on XXXX, {$36.00} on XXXX when the fee originally fee could not be charged - this charge should not have occurred ), {$25.00} on XXXX ). Over the phone, I was told that they could only waive the two {$36.00} fees because the two {$25.00} fees were placed by the branch. I moved to NJ, there is not a US Bank near by, I had a friend make two deposits into the account on XXXX, which left the balance negative {$49.00}. He spoke with the US Bank in Nebraska who said that they ca n't waive the fee, that the branch where the account was opened is the only place that can waive the fees. On XXXX, another {$25.00} fee was placed for being negative for more than 7 days. On XXXX an automatic payment was made which resolved the negative balance. 

I called the local branch where I opened the account and XXXX denied my request to waive the fee. I called the CS number and they said they could not help because they can only waive 2 fees a year. I 've never had a fee in my 8 years of banking with them. I asked for an exception and was denied. I spent over 2 hours on the phone trying to get my issue resolved. 

I would like to understand how the second {$36.00} fee was charged, it does n't make sense or seem fair that a bank can charge a fee for their own fee being declined. And the last {$25.00} fee would not have happened if the bank teller on XXXX provided accurate information that the bank would not waive the two {$25.00} fees to start with.
Complaint sub-issue: Information belongs to someone else

FTC XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Please remove from Inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX/XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This is my several endeavor to tell credit bureaus 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, XXXX  XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX, XXXX XXXX Balance {$1600.00} XXXX XXXX Date of Inquiry : XXXX ; XXXX Date ofInquiry : XXXX ; XXXX Of XXXX Date of Inquiry : XXXX ; XXXX Bank Date of Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Problem getting your free annual credit report

XX/XX/XXXX Equifax ( equifax.com ) continues to refuse to provide a free annual credit report online from the official annual free report website : XXXX I never have a problem receiving my report from XXXX XXXX or XXXX. 

Equifax gives me the message : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- " Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. 
How to Request by Mail To request your free Equifax Credit Report by mail, please fill out the attached form ( PDF file ), along with the documents described below, and mail them to : Annual Credit Report Request Service P.O. XXXX XXXX XXXX, GA XXXX Please include with the attached form a copy of one item in EACH of the categories below in order to assist us to verify your identification and address. The item you submit from the " identity '' category MUST contain your Social Security number and the item you submit from the " Address '' category MUST contain your current home mailing address. 
Identity Social Security card Pay stub with Social Security number W2 Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills ) To ensure that your request is processed without delay, please enlarge photocopies of any items that contain small print ( i.e. driver 's license, W2 forms, etc. ). To avoid additional delays, keep in mind that if photocopies you submit are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This is completely unacceptable. Equifax is requiring I pay to make copies of documents as well as postage & requiring I fill out a form and mail it to them. 

Also on the form they are requiring that I list my social security number and requiring I send a copy of my social security card. 

This is not appropriate & outrageous requirements. 

It is unsafe to send documents by mail with a full social security number printed on it. Apparently Equifax has not changed their security practices after they experienced a major hack & compromise of user data & confidential information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

The company called XXXX XXXX, holding my debt from CITIBANK, NA ( BEST BUY ) has been sent 6 letters from XX/XX/XXXX until XX/XX/XXXX trying TO SETTLE this debt and get it REMOVED from my credit files! They have ignored ALL ATTEMPTS to communicate with them or settle this debt! Instead they called family and friends and made me look like a fool! ALL I wanted to do for over the past year is SETTLE the debt and have the information REMOVED from my credit file! 
XXXX XXXX account # XXXX amount offered for settlement {$190.00} No one has ever responded to my repeated attempts to settle this matter.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The 3 credit Bureaus Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax has failed to properly identify and provide any within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Investigation took more than 30 days

I need your assistance in helping me to remove incorrect information from my credit file. XXXX, Equifax, and XXXX is inaccurately reporting that I was 30 days late in XX/XX/XXXX with XXXX ; Equifax is reporting that I was 30 days late in XX/XX/XXXX and XX/XX/XXXX for XXXX/XXXX and XXXX and XXXX  is reporting 30 days late in XX/XX/XXXX and XX/XX/XXXX for XXXX/XXXX ; XXXX is reporting 30 days late in XX/XX/XXXX for XXXX XXXX. 

Equifax is reporting 2 fraud accounts on my credit file : XXXX and XXXX There are several unauthorized inquiries : 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: Investigation took more than 30 days

I filled a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Complaint sub-issue: Their investigation did not fix an error on your report

Account # XXXX - XXXXXXXX XXXX XXXX On XX/XX/XXXX, I settled this account through XXXX XXXX XXXX. The account was paid in full and is closed. The charge off for XXXX XXXX XXXX has not been updated. I contacted Equifax on XX/XX/XXXX of XXXX, opened disputes, and sent the settlement letter from XXXX XXXX XXXX, the receipt from XXXX XXXX XXXX, and the XXXX XXXX reflecting that the amount was taken from my checking account. The account is listed as a chargeoff. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. I called Equifax on XX/XX/XXXX and opened up a second dispute. I would like for Equifax to remove the tradeline. If they are unable to, I would like for Equifax to report that this account has been settled and paid. I fell behind in this account because I was laid off and lost my home in a fire. I am a single parent of XXXX children and I am unable to purchase a home for my family until this is resolved. l have attached the letter from XXXX XXXX XXXX, the receipt from XXXX XXXX XXXX, the XXXX XXXX reflecting that the amount was taken from my checking account, USPS Receipt regarding the mailing of documents, XXXX XXXX XXXX and the police report from the fire that destroyed my home. Thank you for your cooperation.
Complaint sub-issue: Personal information

Good day, I 've spoken with Equifax regarding XXXX addresses that should have not been placed on my credit report over one month ago. The day I 've disputed they told me those address are no longer on my credit report. I review my credit today and have noticed all XXXX addresses are still there.
Complaint sub-issue: Problem with fees

I'm been charged fees and interest on my credit card account from Citi Bank but I'm not able to submit my payment as the site is always down.
Complaint sub-issue: Old information reappears or never goes away

XXXX and equifax, XXXX, and XXXX  continue to knowingly report wrong information on my credit file. I have repeatedly shown them proof that the same account they are reporting opened was also opened in 2011. Therefore its well over the number of years allowed to be reported. They also can not prove any activity or payment on the account ever. This is clearly a violation of FCRA reporting rules and I have hired a lawyer to resolve this violation and seek damages.
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX and XXXX XXXX XXXX is in violation of FCRA, consumer reporting agencies are not suppose to share medical information of a consumer.
Complaint sub-issue: Problem with customer service

For the past 10 months I have submitted my application 3 times via mail, fax, and uploading straight to the website for PSLF to both MOHELA and XXXX. Neither website says they have received my loan and the XXXX XXXX number for PSLF and website says they can't find my account. However I am able to login to my account online. I have tried to call multiple times and emailed the website. Each time I call I am on hold for over 2 hours each time and nobody answers the phone. I would like to be able to reach someone and submit my PSLF before the deadline XX/XX/2022.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal credit information. I was affected by the recent Equifax security breach.
Complaint sub-issue: Denied request to lower payments

I entered into this loan agreement with the promise of loan terms that were not upheld by the lender and feel that this contract was breached. From the very beginning, the dealership pressured me into this car with false advertisement ads on XXXX that were less than what the car cost. They also reinsured me that if I stretch the truth on my financial situation with the loan application, then I 'll be able to drive the car home no problems and that people do this all the time. They told me that my payments would be high for a little bit, but if I just made three monthly payments, then I would have about half of a {$400.00} a month car payment. The sales guy really sounded genuine and I honestly believed every bit that he was saying to me. I guess I give people too much credit sometimes, ugh. Anyway, Three months past and there was no way in heck that I would be able to refinance in my situation with a recent chapter XXXX bankruptcy and all the negative remarks on my credit. I ended up losing my job due to my XXXX status and worsening symptoms from military service. I started to get behind on payments and I had paid {$5000.00} toward this car without even denting the total. I told the lender : XXXX XXXX XXXX, that I had become XXXX XXXX and I could n't afford the vehicle right now. They were not very understanding and continued to call constantly at least times a day. They even called my Step-dads work non-stop! This harassing behavior lasted for months and never went away. I finally had enough of the car, XXXX XXXX dealership and XXXX XXXX XXXX I told them that this loan was based off false advertising, unfair lending terms, and ultimately a breach of contract due to misinformation and information withheld. I decided to voluntarily hand over the car to the lending company. Now I 'm faced with a repossession on my hands from a very bad set of companies who swindle people out of money.