Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorised hard enquiries on my credit report on my XXXX credit report needs to be deleted 1 ) XXXX XXXX dated XX/XX/XXXX 2 ) Corelogic Credco dated XX/XX/XXXX 3 ) XXXX XXXX XXXX XXXX dated XX/XX/XXXX Unauthorised hard enquiries on my credit report on my XXXX credit report needs to be deleted 1 ) XXXX XXXXXXXX dated XX/XX/XXXX 2 ) XXXX XXXX XXXX dated XX/XX/XXXX 3 ) Credco Corelogic dated XX/XX/XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of  the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX, XXXX. XXXX Unverified Account XXXX XXXX XXXXK XXXX Unverified Account XXXX XXXX XXXX Inquiry Date : XX/XX/2020 Unverified Account Phone # : ( XXXX ) XXXX
Complaint sub-issue: Problem using a debit or ATM card

Hello, I first contacted PNC to dispute a charge on XX/XX/2022. The representative informed me there were several fraudulent charges. I began looking at my account and this has been occurring for more than a year. 

I've received documentation regarding my disputes : reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've contacted PNC numerous times. I've asked to escalate the call and they always send me to customer service whom does not know any information about my fraud cases and just reads me notes. When I ask a question, it is responded with, I don't know. '' I've also asked to speak to retail support. I've been told numerous times a manager will call me within 24-48 hours. It has been over a week and I have yet to speak with a manager the fraud investigator. 

I'm requesting detailed accounts of my disputes along with what was fraudulently purchased along with their reasoning. 

On every letter regarding the disputes is written, " We're here to help. If you have questions or would like to request a copy of the documents we relied on in making our determination, please call us at XXXX. '' I was informed by PNC customer service there are, " no documents, '' to send me. 

I'm also having this issue with PNC Points credit card. 

PNC did not close my checking account and after being provided a new debit card I still received fraudulent transactions which made me have to file additional disputes. 

In addition, PNC is claiming I did not file disputes until XX/XX/2022 which is inaccurate. 

At this point, I'm frustrated because I have reached out several times to PNC and have received no adequate answers regarding their findings or documentation as to how they came to their decision. 

Thank you, XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022, I requested an investigation on behalf of my clients for some items that did not seem correct on her credit report. I provided specific reasons why the accounts were being challenged along with specific instructions on what should happen to the account in the requested information could not be provided within 30 days according to the FCRA. 

40 days went by and the items still were appearing on my credit report and the method of verification still was not provided. 

On XX/XX/2022, I requested a re-investigation into those same accounts with the same results. Nothing was removed and the method of verification has not been provided. 

It is now, XX/XX/2022, and the accounts in question are still showing on my credit profile and are listed below along with the reason for the investigation. 

XXXX  XXXX Bankruptcy XXXX How is this reporting on my credit report when the courts do not communicate with the credit bureaus? 

XXXX XXXX XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX This is a pay per delete account XXXX XXXX This is a pay per delete account DEPTEDXXXX XXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX  XXXX I have never been late on this account XXXX XXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account DEPTEDXXXX XXXXXXXX I have never been late on this account XXXX XXXX XXXXXXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXXXXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 


XXXX XXXX XXXXXXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX XXXX This is a pay per delete account XXXX XXXX  XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX XXXX XXXX This collection account shows I owe a balance. Please provide the document that verifies this amount. 

XXXX XXXX XXXXXXXX This is a pay per delete account
Complaint sub-issue: Account status incorrect

I paid off the total balance in XXXX XXXX and as today ( XXXX XXXX XXXX ) it appears in my credit report that I have an outstanding balance of {$18000.00}. The last date reported was XXXX XXXX XXXX and the last payment reported was on XXXX XXXX XXXX. This incorrect and dated outstanding balance is damaging my credit profile.
Complaint sub-issue: Don't want a card provided by your employer or the government

Received a letter about unemployment insurance personal identification number. However, I did not submit an unemployment claim. I contacted Colorado Department of Labor and Employment at coloradoui.gov and reported the fraud online. I also called XXXX  and went through their process to put a fraud hold on my social security number with XXXX who informed me they would contact XXXX  and XXXX  to inform of the fraud hold. A few days later, I received a U.S. Bank ReliaCard with instructions for activating the card. This is the card used to received the unemployment benefits. This is the second time I have received this card. The last time I received it I called U.S. Bank and they told me to call unemployment. When I called unemployment, they told me to call U.S. Bank. I got the run around and all I wanted to do is close this account. I believe someone has stolen my identity and applied for unemployment benefits in my name.
Complaint sub-issue: Didn't receive services that were advertised

I am one of the 143 million Americans whose personal data were stolen from Equifax. Equifax advised me, via website, that I was entitled to a free year of credit alerts through their TrustedID Premier offering. Accordingly, I signed up for TrustedID on XXXX/XXXX/XXXX. I finally received a confirmation Activation email on XXXX/XXXX/XXXX and I immediately did the final activation steps. But I received a web message that said " Product Already Activated. Our records indicate that you may have already enrolled and activated the TrustedID Premier product. Attempting to enroll again is not necessary. Please go to XXXX to log in to your product. '' Since then, I have tried at least 15 times to log into the TrustedID website, but I always get back a technical message that the web connection does not work. I have phoned Equifax three times since then, and they claimed I was being referred to an escalation team, who would phone me. I have never heard from this team, or anyone at Equifax, on how to obtain the promised free credit alert service. I believe that I am one of millions of Americans who are being purposely misled by Equifax, and hope that the CFPB can help me get the credit service that Equifax promised as partial compensation for their failure to effectively guard my personal data.
Complaint sub-issue: Deposits and withdrawals

PNC is blocking XXXX XXXX from my account
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1200.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Account information incorrect

my complaint is about blatant violations by XXXXt and Equifax, XXXX  and XXXX. I asked XXXX to validate a debt they have listed on my credit reports. The first letter I sent was in XXXX they sent a bill to me. I again asked them for proper validation and they ignored my request. Since then I have sent XXXX other letters and got no response. I can provide the letters upon request. I then disputed with the credit bureaus using the factual evidence from my reports. Needless to say I found several violations and inaccuracies so I disputed those as well even so they continue to report with no regards for the laws. I will attach pages from my report so you can record these violations. Each bureau has been reporting different information which can't be accurate. such as trying to re-age an account, also moving an account to another area on my report. Changing a collection from open to closed then back open. Equifax even went on to say they were no longer reporting this XXXX  account but it's still there. This account has been listed with consecutive Charge-Offs for 2 years straight as well as reported late and past due on this collection. See for yourself.They seem to think the laws don't matter. I can't be the only XXXX they're doing this to. I could really use your help in this matter.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Other problem getting your report or credit score

Wrote lexis nexus in Georgia filled form out sent it in. 
They never wrote me back. 
Got declined on several things because of them have no clue what to dispute refused to contact me in over a month.
Complaint sub-issue: Was not notified of investigation status or results

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commiss

ion ( FTC ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Complaint sub-issue: Information belongs to someone else

On my credit reports there is a closed account with huge amount of missed payments. CITICARDS CBNA Opened XXXX. XXXX, 2015 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CITICARDS CBNA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Complaint sub-issue: Other problem getting your report or credit score

The business charges a monthly fee to access credit report, credit score, credit monitoring, and other services. 
However, when i tried to access the services i pay monthly for, it said to contact customer service, over XXXX hours on the phone with unhelpful agents then with a supervisor, all sound like robots following a script instead of being humans and actually helping solve an issue, i still didnt get a resolution except to mail in a copy of my ID to verify my identity. We are in XXXX and their only solution to verify it is me trying to access my account is to mail in my ID or fax it? Thats it???? 

Best solution I am looking for is to let me access my account immediately, which i am paying for and not receing the service or give me a call to resolve the identity issue with any question you have or E-MAIL you whatever you need from me, or I need an immediate refund for all the previous months I paid for since I am not able to access the account & service I am paying to use. 

I was also mainly concerned to make sure my credit report is on Freeze or Lock so it is not accessible to any credit issuers, however I am not currently able to do that on the app or by calling equifax either.
Complaint sub-issue: Their investigation did not fix an error on your report

I got my 3 credit bureau report from XXXX which is a service provided by XXXX. When I got my reports on XX/XX/XXXX, my credit scores were as follows : XXXX : XXXX XXXX : XXXX Equifax : XXXX Later on today XX/XX/XXXX when I obtained my 3 credit bureau report, it showed that my score has dropped significantly, as follows : XXXX : XXXX XXXX : XXXX Equifax : XXXX There has been no changes to my report between XX/XX/XXXX and XX/XX/XXXX. No inquiries, no new debt, no new accounts, no missed payments etc. So I do not understand what caused this massive score drop. I tried to contact the credit bureaus via phone but they couldn't explain what caused the score drop even when there were no changes to my report and said that they can only file disputes. Since they were not able to provide me with a reason for the score drop, I don't understand what information I needed to dispute. 

The only reason I can think of is that, I disputed a XXXX account with all 3 credit bureaus. Probably, my dispute, changed the charge-off date to show that it happened recently. Probably in the eyes of XXXX it shows that the charge-off just happened and my scores dropped. Apart from this, there is no other reason for such a huge score-drop. If this is the reason, this is a violation of protocol where the bureaus need to report accurate information. They can not change the charge-off date to recent when it had happened over 2 years ago. As mentioned on CFPB website, filing a dispute does not renew the debt neither does it change the date. If it does, this is a huge step back for consumers who wants to file a dispute. I have attached my credit reports from XX/XX/XXXX and XX/XX/XXXX, which shows all my account details as well as my credit scores. 

If filing a dispute results in a score drop, US citizens are not safe. I am trying to get a home loan, but with this massive score drop, my chances of approval will be very slim and even if I get approved, the mortgage rates will be really high.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account number XXXX has violated my rights, i requested to validate this debt but did not get response from the debt collection agency, how did you verify this account? this is against HIPAA violation to release a medical record without my authorization, I did not remember giving XXXX XXXX to release any of my medical records to XXXX XXXX XXXX. Please Investigate this account and XXXX did not send a letter for me to validate that this account is mine FCRA says by law they are required to send me a letter to validate this before they can collect and report this to credit bureaus.
Complaint sub-issue: Account status incorrect

Hello My name is XXXX XXXX XXXX And all 3 credit bureaus is showing student loans by XXXX that are currently on deferment and that at some point in the past I was not aware that the loans had become due. No letter was forwarded to me till I notice on my report it shows late payments for 120 days. Currently my loans had been in deferment since XXXX and they still showing a negative mark that the 3 credit reports refused to fix. I also have a debt from accounts that had been satisfied by Pheaa and still showing negative. I also had a loan by regional acceptance which has been satisfied since XXXX and still showing on my credit report as negative. A collection from XXXX incorrect amount and incorrect information because I was not aware of the insurance debt with the general insurance. All this items should not be in my credit report. Falsely damaging my credit and servicer as well as the 3 reporting bureau refused to remove it. I need your help. 

Thank you XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XXXX Account Number : XXXX 30 days late on XX/XX/XXXX 60 day inXX/XX/XXXX30 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX 60 days in XX/XX/XXXX,XX/XX/XXXX 30 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX. XXXX XXXX Account Number : XXXX 30 days late in XX/XX/XXXX. 

3. DPT ED/XXXX Account Number : XXXX 90 days late in XX/XX/XXXX 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Complaint sub-issue: Account status incorrect

In XX/XX/2022 I started working with the department of XXXX in the resolution & forgiveness program & all the student loans were out of default status & removed on XXXX & XXXX but not on Equifax & the I talked to the Dept of XXXX & they said they reported for the XXXX old loans to be removed & if they dont in a month to do a dispute with Equifax XXXX So I did a dispute for the XXXX loans & my credit went down XXXX points & then the accts. were removed & then my score went back up & then a week later my score went down again & went down XXXX points!! I went from having a XXXX on fico scoring system to XXXX!! & XXXX to XXXX on vantage XXXX system. All from doing a dispute, before the dispute my credit was good, why would doing this dispute lower my score so much the company on my report for these loans reported it back accurate, its the same info before the dispute so why if they claim its accurate even though its NOT why would this make my score go down tremendously!! It is messing me up from buying a home, I have work tooooo long & hard to fix my credit for Equifax to report inaccurate info. I talked again to the dept of XXXX & they said they will send another request to remove the XXXX accounts. XXXX Of XXXX. acct. XXXX {$11000.00} DEpt of XXXX XXXX {$11000.00} XXXX of XXXX. XXXX {$5800.00} XXXX of XXXX XXXX {$3200.00}. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX If you call this that is being reporting on these accounts it isn't even the dept of Education, a rep. I talked to about this called & she confirmed this is not us, not only is Equifax reporting false info on my report but the company is NOT even a part of the department of education. I dont know who this company is but they are reporting false info & The real dept of education has already notified Equifax to remove these 4 accounts!! Equifax should truly investigate properly & stop putting info on my report that is suppose to be closed & removed!! I appreciate if they correct the manner asap!! THANK YOU!