Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I sent this letter XX/XX/XXXX, to all the 3 Major Credit Bureaus for investigation on inaccurate data on my credit report. I pointed all the incorrect information from Date of Last Activity, High Balance amount, last payment date etc. all different from each credit bureau. This is impacting me greatly because it is keeping me from making major purchases because of the inaccurate information on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX/ Acct # XXXX ) on the date of the last activity section. XXXX is reporting a date of last activity XXXX, XXXX is reporting a date of last activity XXXX and Equifax is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. 
XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Unsecured loan Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$4900.00} {$4900.00} {$4900.00} No. of Months ( terms ) : 60 60 60 High Credit : {$6000.00} {$6000.00} {$4900.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$4900.00} {$4900.00} {$4900.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. Charged off account Unsecured Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I have contacted the credit company about the false information that they were reporting on my reports. I feel that I am being taken advantage of and being bullied. The law clearly states that any false or inaccurate information must be removed immediately. I was never notified of any investigation. I will be forced to seek litigation if this can not be handled appropriately
Complaint sub-issue: Didn't receive enough information to verify debt

I requested that Discover Card remove my husband from my account, as I am the only responsible party. I am trying to get myself out of debt, and I can only do that by negotiating with all of my creditors across the board. I respectfully request that Discover Card accept a one-time settlement of {$4000.00} of which I will borrow from a relative to resolve my debt in full. I have submitted this request through the CFPB to guarantee that my rights are protected under FDCPA.
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 that a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I recently for an apartment and I got denied. I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. 

XXXX XXXX XXXX {$150.00} XXXX  XXXX {$84.00} XXXX XXXX  XXXX {$180.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 a account without my written instructions
Complaint sub-issue: Problem using a debit or ATM card

I have an account with PNC Bank. My purse was stolen and it had my debit card, license and other important mail, papers, bank documents which had my pin for my debit card was written on a piece of paper which was inside my purse. I noticed unauthorized charges on my account. I had reported my card stolen and disputed the unauthorized transactions that I did not make. I was given a provisional credit for some of them but not for 3 of them which remain on my account along with several fees related to these charges that I did not make. The unauthorized charges that have not been fixed are as follows : Date-XX/XX/2018- XXXX XXXX in the amount of {$100.00} Date-XX/XX/2018- XXXX XXXX in the amount of {$100.00} Date-XX/XX/2018- XXXX XXXX in the amount of {$50.00} There are also several fees that I have been charged as a result of these unauthorized transactions. 
I have spoke to pnc bank several times regarding this and the last person I spoke with assured me that they would get this resolved. Then I received a letter in the mail stating that they found no error in the dispute. So I called pnc back and they told me they were going to redispute these charges for me that I did not make. but they didn't do that and my account still has these charges on it along with several fees including overdraft fees related to these transactions. I would like my account to be fixed but they still have not fixed it by removing the unauthorized charges and all of the fees that I have and are still being charged for related to this.
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 C.L.U.E .

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 Report Act, you are required to comply.My name is XXXX XXXX XXXX, I recently reviewed my credit report and discovered the following addresses listed. These addresses are inaccurate. XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
Complaint sub-issue: Attempted to collect wrong amount

EOSCCA Collection Company has continually send correspondence to my home address requesting payment for a debt that is claimed to be owed to XXXX. I am UNAWARE of this company and I DO NOT OWE XXXX any debt. In XXXX, I CLOSED out an account with XXXX by paying the FULL balance and returning all of its equipment and DO NOT OWE a debt to XXXX. I have contacted XXXX in regards to this matter and was told I needed to speak with EOSCCA Collection Company because they brought the debt and they NO longer have any information pertaining to this debt. This information is totally INCORRECT and I have made several attempts to resolve this issue with EOSCCA Collection Company who stated that there is nothing that they can do. I DO NOT OWE A DEBT to EOSCCA Collection Company OR XXXX. When I requested a copy of the account, I received an OLD XXXX XXXX dated XX/XX/XXXX from EOSCCA Collection Company showing the final payment of {$310.00} that I made to XXXX and then the payment was reversed. It also shows {$650.00} in Equipment that I RETURNED to XXXX and {$67.00} in fees and surcharges that I do not owe. The total amount was listed at {$1000.00}, which is INCORRECT. In addition, this company has placed a COLLECTION ACCOUNT on my credit file for listing the amount owed {$1100.00}. It also indicated that this account was OPEN on XX/XX/XXXX. I did NOT conduct any financial transaction with this company on or about XX/XX/XXXX. My account with XXXX was CLOSED in good standings 4 years ago with a {$0.00} balance. When I contacted XXXX, the company was NOT able to provide me with a final statement or any information stating that I owe any money. 

I have NEVER conducted any financial transaction with this company nor have I ever signed any legal obligation to pay this company any money. This company DO NOT have the legal right to collect any money from me. 

I DO NOT OWE A DEBT to EOSCCA Collection Company OR XXXX. 

I DO NOT have any other Collection Accounts on my credit report and this company is impacting my credit rating tremendously and damaging my credit along with trying to collect a debt that I DO NOT OWE. 

I AM REQUESTING THAT THIS DEBT BE REMOVED FROM MY CREDIT FILE AND NO ADDITIONAL ATTEMPTS TO COLLECT A DEBT THAT IS INCORRECT BE SENT TO ME REQUESTING MONEY THAT IS NOT OWED. 
I am respectfully requesting that you please review and take appropriate action. Thank you in advance for your attention to this matter. Ill await your
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting a few accounts only as a collection. There is no name as to where it 's from. I have tried several times to get it resolved but no luck. Can you please help me with this? I do n't know where else to go. 

They have two accounts with the same number of XXXX, and an account number of XXXX, XXXX. These 4 accounts I do n't know anything about.
Complaint sub-issue: Information belongs to someone else

please review the accounts below that were reported, without any warning, it is hurting me. 

Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

7. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
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 these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX XXXX  XXXX .... 
Balance : {$130.00} ; XXXX  XXXX .... XXXX : {$85000.00}
Complaint sub-issue: Frequent or repeated calls

I have been making payments each and every month to PCS since XX/XX/2013 ( 7years ) I have not missed sending them a monthly payment, yet. 

Recently, they've decided they need to call me and email me asking where my payment is - ( it's already been sent - and the month is not over yet -but they call and email me ) I talked to them on the phone and they talk like i've not been making payments every single month for 7 long years. They act like i'm being difficult and not sending them anything, when i told her I haven't missed a month yet, why are you calling all the time now? She says i need to make a payment ( like i haven't been! ) - it's frustrating. I told the last caller to not call me anymore. So now they sent an email, which i can not reply to. I'm just annoyed. I don't need to be harassed when i'm sending you money each and every single month. I could understand if I haven't been good about making payments to them, but I have!
Complaint sub-issue: Public record information inaccurate

Bankruptcy reporting on credit file should not be reporting, I supressed all public records from being viewed on my credit file. The Credit Bureaus received public records information from Lexis Nexis. I opted out from reporting. This information. Should to be verified once disputed.
Complaint sub-issue: Problem with fees charged

Hi, I want to fill a complaint to PNC Bank for a car repossession process. This bank started reaching out to me through a collectors number, where they asked me for my social security without explaining reasons for me to provide such delicate information. 

After calling the bank myself, I was informed I owed payments for my new car loan, however, as I never received an email or official communication from the bank, I did not have any information on my account, status of my mortgage, or anything. 

When talking to the bank, I requested to have access to my account, for which they said they were going to send me a mail, where I could log in and have access and visibility. 

A few days later, before I received any formal letter communication that they mentioned they would send, my car got repossessed and towed. 

Now the PNC Bank is asking me to pay XXXX in fees for repossession, and also the towing company fee which is of more than XXXX dollars. Moreovoer, they are asking me to pay the full amount owed ( XXXX dollars ) cash at their bank, they do not accept any other type of payment. to be forced to pay cash a process like this looks like a scam. 

Im complaining because this is a very unhealthy and unfair process as a customer. I have the money to pay, but I never received any official information from the bank, now im in this situation with my car towed and the bank states they have tried to reach out, even though I was asking them for formal mail communication and access, which they never did. 

I hope this serves to help us, the people of the state, to have processes that are transparent and that do not play against us and benefit the banks. This inefficient process and communication, where customers have cero visibility or formal communications, serves to benefit PNC Bank, and is leaving me without car without any notice, paying a ridiculous fee amount in cash to the bank, still without any documentation or access from the bank regarding my account, and now affecting my credit with this repossession while the bank is lucrating from it and obtaining cash money.
Complaint sub-issue: Reporting company used your report improperly

So, since XXXX I have been trying to get this company not only to verify that these accounts belong to me, but also confirm they are accurate. Every month since I have repeatedly asked them to do an investigation into the legitimacy of these accounts as me and my son have the same name, and they continue to tell me that they are all verified as accurate and reporting correctly. Every month they send me templates telling me that what Im looking at is correct, when I can clearly see whats being reported is reporting incorrectly. It is now XX/XX/XXXX and the same accounts have not been proven verified, as I have requested proof of method of verification and again nothing. 
Obviously, a violation of section 623 that you continue to violate! 
I have attached my most recent credit report as of XX/XX/XXXX and all my other credit reports from the last 4 months. I have also attached all the accounts listed with erroneous errors that need deleted for this reason. 
My credit is being destroyed because this company will not do its job! 
Im REQUESTING the following! 
I would like the CFPB to look into the situation with this company and have the listed accounts removed for incorrect reporting and failure to comply with section 623. 
I would compensation of {$1000.00} for each violation found on every account. 
I want my personal information to read as XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XX/XX/XXXX as birthday, and XXXX XXXX XXXX XXXX place of work. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX please remove these accounts
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, 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. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 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, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately
Complaint sub-issue: Old information reappears or never goes away

On XXXX XXXX 2017 I received a confirmation from Equifax stating the XXXX XXXX account I had been disputing was removed from my credit, after recently reviewing my credit file, Equifax has readied this account without sending a reinsertion letter which is against FCRA. 

Equifax Confirmation # XXXX XXXX XXXX,2017
Complaint sub-issue: Their investigation did not fix an error on your report

I have pulled my credit report and noticed there are numerous student loan accounts. I should only have XXXX is the only servicer of my student loans. I have XXXX student loans on my credit report that is reporting inaccurate information. They are saying that the account was delinquent back in XXXX but have no info on the report from when it was open. The accounts were open in XXXX but did not start reporting any info until mid XXXX. I have asked for this matter to be addressed. XXXX, Equifax, nor XXXX has addressed this matter. I have disputed the info numerous times and only 1 account was removed from Equifax. All of the accounts associated with the Dept of XXXX should be removed immediately. It's showing late payments on my credit report and that the account has been transferred to now XXXX. The information on the report is inaccurate. The accounts were delinquent from XXXX to mid XXXX. The accounts are 7.5 years old and should be removed immediately.
Complaint sub-issue: Personal information incorrect

For the past two years I have been attempting to have my credit information corrected on Equifax, XXXX and XXXX. Ive placed fraud locks on these accounts as well due to stolen identity years ago. 

1. My name ( spelling of ) and so called aliases are not correct - false 2. Addresses to which I supposedly lived over the years are incorrect - theyre wrong and false 3. Im also listed as being in the military which is NOT true either.

These credit agencies refuse to accept information over phone but ask that you fax important and private i.e dob, ssn and driver license. I have been compromised financially and identity theft and advised them as such. No one is willing to correct this information and get it off my records Theyve at lease five different names under my ssn - please help me correcting this.
Complaint sub-issue: Reporting company used your report improperly

Regarding the Equifax data breach in Summer 2017, and that my information was among that stolen.
Complaint sub-issue: Received bad information about your loan

I am currently in an income driven repayment plan and am pursuing Public Service Loan Forgiveness.  My loans were consolidated with XXXX XXXX originally and were recently transferred to XXXX   XXXX. I began making monthly automated payments in XX/XX/XXXX and have not missed a payment. Additionally I have submitted the annual income certification and employer qualification forms. XXXX XXXX   provides me with monthly statements or " direct debit bills '' which indicate the number of qualifying PSLF payments. They have mine listed at 3.  They have not given me credit for the 50+ monthly payments made while being serviced by XXXX . I called and spoke with XXXX XXXX in XXXX of this yer XXXX and was told it could take up to six months for them to have this corrected. I called today ( XX/XX/XXXX ) and was told that there is now " no timeline '' for when this will be addressed. They suggested I check back in XX/XX/XXXX. This is very frustrating because I have the opportunity now to change strategies from IBR/PSLF to refinancing with a traditional lender which could save me a significtn amount of money as my interest rates with XXXX are at over 7  %. The longer it takes for them to give me accurate data I could be losing substantial money to interest payments that I would not otherwise be making.
Complaint sub-issue: Other problem getting your report or credit score

Filed a dispute With Equifax, XXXX, and XXXX. XXXX removed within 12 hours, XXXX removed after 2 days. Equifax has notified me by E-mail that my dispute has been resolved, but will not grant me access to my report. How is it that I was able to access my report to file the dispute, but not to view after completion of the dispute? If incorrect information is in my report it would be impossible to answer the security questions to their satisfaction. I had this issue with Equifax refusal the provide my report a few years ago and they only relented after threatening them with reporting their flagrant violations of the FCRA. It seems they do not want to provide free reports to anyone .... but if you pay for it they provide it with no delay!
Complaint sub-issue: Received bad information about my loan

I have a mortgage still being reported to my CBR, according to Ohio law this should be removed from my CBR after 7 years. As the last reported information on this accounts was on XXXX/XXXX/2008, I am requesting this be removed from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

The company has had multiple request for proof and continues to fail at meet the burden of proof they have no credit appl no signed payment agreement and no loan documents
Complaint sub-issue: Information belongs to someone else

This is an attempt to correct my EQUIFAX, XXXX, and XXXX  credit report ( s ). I have identified fraudulent inquiries and fraudulent accounts. Please block all of the accounts listed below : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX - XXXX with balance {$3000.00} XXXX XXXX XXXX with balance {$110.00} INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX These are the accounts I request to be removed permanently from my credit report ( s ). Please block these accounts. The accounts are fraudulent, unverifiable, and violate my consumer rights.