Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 36 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Didn't receive notice of right to dispute

I'm writing because I noticed a collection account listed under IC Systems Collections that lists on my XXXX  and XXXX  Credit Reports. I have never a letter of dispute notice from this company and or phone call. I have recently disputed this account with the credit bureaus and it has no message underneath the collection with the account being under dispute. This is in violation of the FCRA and this account needs to be removed from my accounts as soon as possible.
Complaint sub-issue: Can't close your account

I wen to the branch directly to close my personal and business checking and savings accounts XXXX XXXX, I later found out that the accounts were not closed. I have called PNC several times and already filed a complaint directly with them in regards to not being able to close my accounts. I just spoke with them in XXXX about receiving a notice that an account I thought was closed months ago was closed in the negative for fees. I contacted them and was told that they would remove the account charges and I had no more accounts showing open. I am also not sure if they reported negative information on the business account that they failed to close after they closed it for a negative balance. I just received another notice that my personal business account is negative. I asked that all my accounts be closed and contacted PNC several times over a six month period asking to close my accounts. I filed a complaint with PNC and was contacted to say they would address my concerns and I still have another account that is still open and now negative. PNC continued to keep my accounts open after my request and charge me fees that XXXX XXXX and was again stonewalled and told that they could not pull up any information without me providing them the last deposit amount on an account I thought was closed and have no information on. I was told to go to the branch but when I do they told me they can not assist.
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$390.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

Lexis Nexis Consumer Center XXXX. XXXX XXXX XXXX GA, XXXX I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished Lexis Nexis regrading all personal information of mine. 
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 youre required to comply. 
My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting ActXXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX # XXXX, 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 an account without my written instructions.
Complaint sub-issue: Account information incorrect

XXXX, I was approved for a line of credit for XXXX XXXX CREDIT CARD SERVICES. XXXX XXXX CREDIT SERVICES failed to clearly disclose my finance charge in the transaction, which is required pursuant to 15 USC 1605. XXXX XXXX CREDIT CARD SERVICES is also ignoring my right to rescind the fraudulent contract they provided me. A credit application or statement is not verification of debt! Verification is disclosing who the original creditor is and Im the original creditor. This is my 2nd attempt to resolve this situation. XX/XX/2021, I order a cease and desist and sent a letter to verify who is the original creditor, but XXXX XXXX CREDIT SERVICES defaulted on the letter. I am the original creditor and consumer. No code in Federal law states that a consumer must pay a monthly statement or bill. XXXX XXXX CREDIT SERVICES is in violation of 15 USC 1692e for the use of false, deceptive, and misleading information to collect a debt from me the that I dont owe. Monthly statements sent to me from XXXX XXXX CREDIT SEVICES contain positive balances which is false and deceptive. 15 USC 1692b ( 2 ) states that you can not state a consumer owes any debt. Im a consumer and the original creditor who extended the credit to XXXX XXXX CREDIT SERVICES with my credit card in exchange for credit. Also, my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report and DEMAND it to be REMOVED IMMEDIATELY.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Back in XX/XX/XXXX I opened a Best Buy credit card to purchase my husband a gift for his birthday. I finished paying for his gift in XX/XX/XXXX.Then, in XX/XX/XXXX we purchased a refrigerator for the amount of {$2500.00}. In XX/XX/XXXX, I set up automatic payments through my Best Buy account. These automatic payments were for the amount of {$200.00} and were withdrawn from my checking account with XXXX XXXX XXXX. By XX/XX/XXXX this money had been paid in full. However, these automatic payments continued to be withdrawn from my debit account. I realized that something was wrong in XX/XX/XXXX when I figured it had been too long and that this automatic payments should have stopped already. At this time I checked my Best Buy account online and realized that there had been fraud and reported it to the credit card immediately. The fraudulent transactions occurred during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There were multiple transactions during those three months that added to the amount of over {$7.00}. At this point they cancelled my account and opened an investigation. Their investigation concluded that I was responsible for the charges and therefore they still continue to call me to collect payments. There have been a back and forth between XXXX XXXX ( the bank wish sponsors Best Buy ) and myself ever since. In XX/XX/XXXX, some of the XXXX XXXX   fraud agents, recommended that I opened a police case, wish I did. I sent this over to them and they reopened the case. After this they determined again that I'm responsible for the charges. After my last conversation with another XXXX XXXX agent, I was recommended for the first time to submit any additional information that could favor my case ; she suggested for example that I sent time sheets showing that I was at work, or if I had travelled during those months to submit traveling tickets information. I couldn't provide any of those because as a full time pharmacists who used to work for XXXX at the time, I was a salaried employee, and also I didn't travel during those three months. 
All of this leads me to believe that they are not investigating anything with the places at which this transactions occurred, but instead are lightly deciding to make me responsible for the charges. I have told them and begged them on multiple occasions that I'm an honest person and to please investigate the right way, but this has not led me anywhere. 
I can send you prove of the police report that I opened and also the automatic payments set up, and payments made automatically upon request. 
I thank you in advance for anything that can be done to resolve my case.
Complaint sub-issue: Their investigation did not fix an error on your report

My current credit report lists      XXXX   XXXX   XXXX   XXXX   XXXX   as b eing  XXXX  past due with 9 missed payments since  XXXX  2016 and in adverse status. I have not MISSED ONE PAYMENT. I have made 31 payments since  XXXX  of 2016 totaling {$18000.00} ( see printout from the state of CT attached ). I called the state of CT and they told me to dispute the credit report with  XXXX . I did and they still did not fix my payment history or account status. They changed the balance, but not my payment history. This mistake is probably bringing my FICO down  XXXX  points.
Complaint sub-issue: Account status incorrect

I have a Discover Card which had a past due balance. I was notified that the account would be charged off it a payment was not made on the account in XXXX. Via their online chat, I was advised by a representative from Discover that If I made 1.5 payments I could get a credit for half a payment, thereby knocking my delinquency down by 2 cycles. I was told that if I made this payment by XXXX at the latest, the account would not charge off. Therefore, I scheduled the payment with the online representative. The payment successfully processed on XXXX. 

In XXXX I was notified by Discover that the account had charged off. When I contacted them ( once again via online chat ) I was told that the account charged off on XX/XX/31 therefore my payment for XXXX did not reduce the delinquency. When I asked why their representative allowed me to schedule a payment for XXXX ( my payment is normally due on the first ), and assured me it would pay down my deliquency - I did not receive a sufficient response or an admission of guilt, only a repeating of the facts. 

Discover is at fault in this situation because one of their representatives explicitly told me that my account would not charge off if a payment was processed on XXXX, and yet still charged off the account. 

Further, I was unaware that the account was charged off and applied for an auto loan in XXXX. The adverse charge off mark on my report lead to a loan offer that was less than would it would have been if the account was not charged off.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$2.00} XXXX  XXXX Balance : {$420.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX : {$5800.00} XXXX XXXX Balance : {$2.00} ; XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
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
Complaint sub-issue: Information belongs to someone else

I have been submitting multiple letters since XX/XX/2022 to XX/XX/2022 with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate deletion of the remaining unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Complaint sub-issue: Didn't receive enough information to verify debt

After reviewing my credit profile XX/XX/2021 I identified a discrepancy with accounts listed under XXXX XXXX XXXX. I requested a validation on XX/XX/2021 as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/2021 and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report nor any updates to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/2021 I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the accounts belong to me nor do I believe that the creditor has HIPAA authorization to access the accounts nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
Complaint sub-issue: Didn't receive notice of right to dispute

This is not my account. I'm unware of this account and did not have the opportunity to dispute before this information was placed in my credit report. 

Please provide the validation of debt, method of validation and assignment of debt.
Complaint sub-issue: Reporting company used your report improperly

My credit file and information has been improperly used by Equifax without my knowledge or consent. I was identified to be affected by the security breach at Equifax. I believe my credit report is inaccurate due to this, which has damaged my credit score and hampered my ability to rent apartments, apply for loans and establish credit.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I Have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} EQUIFAX XXXX {$350.00} XXXX  XXXX {$840.00} XXXX XXXX XXXX XXXX {$670.00} XXXX   XXXX {$0.00} XXXX/XXXX  XXXX {$0.00} XXXX   XXXX {$940.00} XXXX XXXX {$490.00} XXXX AR XXXX {$480.00} XXXX XXXX XXXX {$500.00} XXXX  XXXX {$610.00} XXXX   XXXX {$1400.00} XXXX XXXX XXXX {$8500.00} XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$7800.00} XXXX  XXXX XXXX  XXXX {$24000.00} CHAPTER XXXX BANKRUPTCY {$0.00}
Complaint sub-issue: Can't use card to make purchases

I have a personal loan with Discover Bank of principal balance of XXXX. Also I have a Discover credit card always in good standing without any late payment. 

On XX/XX/2018 was supposed to be the first due date of the personal loan ( Discover ). By personal problems ; the first payment was paid on XX/XX/2018. The next payment was on XX/XX/2018 ( due date is number 3 with grace period of more five days ) so the repayment is current and on track at the present. Also prior to XX/XX/XXXX ; the late fee of XXXX was paid ( XXXX dollars ). 

Discover Bank with out any prior notification, any call and in violation of the personal loan contract ; suspended or freeze my credit available of my discover credir card. Approximately 6,700 of XXXX ( total ) is my credit available. So I always maintained in good standing my credir card. 

Discover violated its contract, cancel my credit available with out any prior notification and using the credit card as a collateral and suspended without two missed payments.

Additionally the last statement of the personal loan reflects different principal balance in compare with the credit report at this moment. The principal balance in the credit report is not correct infuse by Discover and its mayor than real principal balance reflects in the hard copy loan statement. So it is malicious information in the credit report.
Complaint sub-issue: Account status incorrect

They are refusing to help me and continue to report my account late when it has never been late. XXXX EID # XXXX told me today the credit department erroneously marked my account as past due though they still don't own the account and have not owned it since XX/XX/2021. The company who is doing this is XXXX XXXX. The XXXX report number for my case is XXXX. I have also notified the company 's top executives XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and others -- all have done nothing to help. These executives can be reached at XXXX. They have turned my life into a nightmare with this credit issue and I need to have this fixed today!!
Complaint sub-issue: Public record information inaccurate

Equifax is unable to verify bankruptcy by providing who at the court verified the information. Name of the person and date and time it was done.
Complaint sub-issue: Account status incorrect

I opened a XXXX XXXX XXXX XXXX XXXX credit card and a checking account overdraft line of credit on XX/XX/XXXX. At the time, I was working and healthy and could repay this credit obligation. In XXXX I became ill and unable to work and meet my credit obligations. Ultimately this account closed and then charged off into collections. When I could return to work and start repaying my financial commitments, I arranged a payment plan with XXXX XXXX XXXX XXXX. I informed XXXX XXXX XXXX XXXX that the balance would be paid in full, and I would not accept a settlement as the debit was mine, and I believe in repaying what I owe. Having said all that, I followed thru on the payment plan making restitution in full. Right before my last payment, I confirmed that once the account was paid in full, the adverse monthly reporting of the account would stop, and it would read as account closed, paid in full on my credit report. I have disputed both of these accounts numerous times with the credit reporting agencies ; each time getting an update that says the accounts are reporting correctly. Then I get a nasty letter directly from a XXXX XXXX XXXX XXXX employee named XXXX XXXX. This individual refuses to return phone calls and based on her letters calling my request " frivolous '' in nature is unacceptable and just plain mean and punitive.
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Complaint sub-issue: Information belongs to someone else

a discover card balance on my report is not mine. There are 2 discovers card accounts on my report.Mine is the card ive had for over 20 years, not the card that was opened in 2014. Why would i have 2 discover card accounts?
Complaint sub-issue: Information belongs to someone else

I want to report my ID stolen. SS XXXX DOB XX/XX/1990 I pulled my credit report and found addresses and bills that do not belong to me. someone is using my Name and ID to open accounts. I have never had a loan with XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX I cant find any bills or records of me doing any business with theses companies. I have filed a report with the FTC and CFPB. Not sure what else to do. I have turn in the paperwork to the companies as well
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft and the EQUIFAX data breach. I submitted the fraudulent account information, fraudulent names, and addresses that continue to appear on my credit reports to Equifax, XXXX, and XXXX  on more than one occasion, over the past few years, to be removed. They have not removed the inaccurate information. According to section 605B of the fair credit reporting act, the bureau 's should have removed these items of identity theft within 4 business days, but they have not. My most recent attempt to remove the false items was on XX/XX/2020.
Complaint sub-issue: Information belongs to someone else

XXXX Opened XX/XX/XXXX Account XXXX XXXX  - this account is not mine XXXX Opened XX/XX/XXXX Account XXXX XXXX  - this account is not mine Acima Opened XX/XX/XXXX Account # XXXX - this account is not mine 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy.

US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau.

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

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

Note that a copy will also be sent to FCRA.