Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Funds not handled or disbursed as instructed

PNC XXXX XXXX customer service today XX/XX/2022 was very rude, unprofessional and disrespected about a text alert I received of a completed refund transaction on my account that posted today. This has been my primary bank for years, even during the pandemic. I don't understand why do I have to wait " 7 '' days to gain access to my funds, when this has never, in years happened before. I requested over 4 -5 times to speak with a Supervisor, the customer service rep, rudely cut me off and put the wait time music on, held the phone, I could hear her in the background, for over 20 minutes. Refusing to transfer me to a supervisor. I don't appreciate the rudeness just to get access to my money.
Complaint sub-issue: Can't temporarily postpone payments

I applied for a three month forbearance on XXXX/XXXX/2016 on all XXXX of my loans. I was told that my auto-debit enrollment would be cancelled and my next payment would not be until XXXX/XXXX/2016. Instead what happened was my auto debit was not removed and was charged on XXXX/XXXX/2016. The forbearance then applied on XXXX/XXXX/2016. I was also billed {$150.00} on XXXX/XXXX/2016 to finalize the forbearance, which while agreed upon, gave the impression that everything was set.
Complaint sub-issue: Problem with statement of dispute

I have filed a validation dispute with XXXX, Equifax and XXXX regarding Bankruptcies that are listed on my credit report. After filing a validation dispute requesting proof that this debt belonged to me, I received a letter in the mail stating that this debt was confirmed and is said to be my debt. I then contacted the Bankruptcy courts who then advised that they do NOT confirm any debts with the credit bureaus. I would like to know exactly who or how they verify debts for any individual, without proper documentations. I also requested a second validation and was told that I would need to provide additional proof to validate any information on my credit report. I would like this information removed from my credit report because the Bankruptcies were never verified and the credit bureaus are lying to the consumers.
Complaint sub-issue: Didn't receive notice of right to dispute

Some company by the name EOS CCA put a collections from XXXX XXXX and XXXX on my credit report on XX/XX/21 and XX/XX/21. I have never had an communication with the company in writing or on the phone. I have never received any notifications of collections. I also do not owe anything to XXXX XXXX or XXXX. I have had another cable in my for years I have had XXXX as cell company for over 5 years and I do not have a home phone. I want this removed from my credit. I have never heard of you or received any bills from XXXX XXXX or XXXX regarding any account going to collections prior to me placing this complaint and dispute. I want this removed from my credit as this is a violation to FCRA you did this by Failing to notify me when you supplied negative credit information to a CRA Failing to notify me of my rights to dispute inaccurate credit information. You have damaged my credit report on 2 occasions. I am not sure how this company obtained 2 items to report on my credit report but I want it removed immediately. I disputed it with XXXX who did absolutely nothing and I will be reporting them as well. As I do not know how you can complete an investigation in days. I have also reported the company to the NJ Consumer Affairs.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$17000.00}
Complaint sub-issue: Account information incorrect

I recently applied for a car loan and was denied due to a negative reoort from sage stream llc. XXXX had my score at XXXX and sage stream said it was XXXX. Cause I had limited history at this address and phone ( I've lived here for XXXX yrs and had the same phone for XXXX yrs ). To many delinquencies ( I have 1 that is 2 yrs old ). In order to ask them to look into this I have to send various forms of US. I do not feel comfortable doing this with an un known company that's seems to be a scam to raise your interest rates.
Complaint sub-issue: Account status incorrect

XXXX - Cosigner for daughter 's Private Student Loans During the summer of XXXX, my daughter requested and was approved for an XXXX - modified payment arrangements on her student loans cosigned by myself and her father. 

Although approved in writing, the monthly payment amounts were not reflecting the agreed-upon amounts. We were concerned as we understand the impact of late Student loan payments. 

After many calls to XXXX and many promises to fix the problem, it was finally discovered by a Supervisor they had made an error. My daughter was never eligible for an XXXX to begin with, which was the root cause of the agreed-upon payment amounts not being reflected on our statements. 

By the time the error had been discovered, 26 of her student loans were reported to the credit reporting agencies and impacted both her credit score and mine for months XXXX, XXXX, and XX/XX/XXXX. 

The loans were all brought to current and it was recommended by an XXXX Supervisor to send a credit dispute form to request the 26 late payments be removed from our credit report. 

This was done XX/XX/XXXX, and a response was received stating in part " ... Based on this review we sent corrected information to the consumer reporting agencies to which the information was previously reported for the loans listed .... ''. 

We thought great, they have done a good job correcting an error they had made. It was not until I pulled my annual free credit report in XX/XX/XXXX, did I discover what they really did. Instead of removing the late payments as we thought, they only put a comment on each of the late payments of " Consumer disputes after resolution '' on our credit reports. This fixed nothing at all so, I sent yet another letter in XXXX XXXX.Their response was they are not going to do anything further with the issue. 

AESs errors have severely impacted our credit ratings negatively and they are not willing to remove our late payments for XXXX, XXXX, XX/XX/XXXX for the 26 student loans. 

Please, anything your organization can do to help would be appreciated.
Complaint sub-issue: Received bad information about your loan

AES recently responded to a Response I made on behalf of my initial complaint. AES again failed to exercise any proof that my claims are invalid. Instead, many assertions were made by them which seem to overshadow their stance on any assertion. The examples they provided are not satisfactory enough to prove that AES didn't do anything wrong, but in fact makes them even more suspicious while they quickly defend themselves without showing hardcore evidence proving their innocence. Payments will be made by the week of XX/XX/XXXX to be caught up with all payments past due and due by the end of the month. While it is absolutely a borrower 's responsibility to cooperate with paying down their Student Loan balance, I also feel that AES owes every single borrower an explanation when it comes to the online claims through Articles, and the likes that they are far from innocent. In addition, one can only conjure up what really goes on behind closed doors at this place given the recent Education Scandal. How many Celebrities have delivered bribes to AES, I wonder? Believe it or not, there are many co-conspirators in society today, and any Fortune 500 company as well as other financial companies are no stranger to that ugliness. 

AES should re-examine all positions within the company and should remove positions that have no meaning or purpose, which I would say is about 99 % of the executive staff. Let 's face it EXECS, none of you do any actual work. As far as the moral population goes, you all like to freeload. Wasting turns to lying, and then lying turns to cheating. Cheating eventually turns to breaking the law. I'd be willing to bet many of you belong in jail. XXXX has a close eye on you. 

Feel free to think about that while I do my own detective work. 

XXXX XXXX XXXX XXXX.
Complaint sub-issue: Threatened to sue you for very old debt

This company has done nothing but harass me over a debt with XXXX they believe I owe. I got a new XXXX, had the plan for a month and got the shut off email ( which I still have and will attach- notice the year, its XXXX  ). One month of service with XXXX just wasnt affordable for me and I closed the account. I got countless intimidating letters from attorneys threatening to sue me. Ive been dealing with this company textbook harassing me but now this, its just the straw that broke the camels back. They put actual lies on my credit report, under MY name. All of a sudden the account is open? HOW MANY TIMES DO I HAVE TO CLOSE IT. Not to mention its a completely different year as well. I have disputed this collection on my credit report so many times and I know Im not being treated fairly- nothing is being done. I refuse to sit here and let this bully of a company put literal lies about me. Also shame on XXXX and XXXX, who couldnt investigate this effectively the first time. The bottom line is they turned my service off a month after I got the plan and continued to charge me month after month for service I was not receiving.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding unfamiliar and wrong information on my credit profile, I still over 45 days later have NOT received a response yet! Im obviously being taken advantage of and my disputes are being ignored. According to SECTION 611 ( a ), a failure to investigate these items within 30 days give legitimate reason to immediately remove those items from my credit profile it has been well over 45 days so they should be deleted right away. I demand these accounts be deleted immediately or I will file for litigation due to the frustration, confusion, and stress you caused me. My information was also impacted by the equifax data breach and someone may have gained access to my information.
Complaint sub-issue: Problem during payment process

XXXX ( transitioning to pnc ) websites and information I received in the mail states that you will be able to make a payment/will except payments until XXXX XXXX at XXXX 2021. However I tried to make a payment XX/XX/XXXX at XXXX as well as XXXX XX/XX/XXXX. No payment option was available online no payment option was available by phone. Their transition was supposed to take place according to the website at XXXX XX/XX/XXXX XXXX XXXX. 
My bill is due XX/XX/XXXX. 
They gave false information on their website as well as on the pamphlet I received in the mail. 
I do not want to be charged for not making a payment. No one I contacted via call center knew what was going on and they were unable to explain the dates/time being wrong. They would not let me talk to a supervisor.
Complaint sub-issue: Company closed your account

Dear CFPB This letter serves the purpose to inquire regarding the sudden closing of my credit card account numbered XXXX XXXX XXXX XXXX. The account was closed arbitrarily by Citibank without informing me prior to such decision. 

As a customer, I did not received any notification of the banks intention or any information as far as the intent or the motives behind the closing of this account. When I called the number that appears on the letter I received after the account had already been closed, they told me that they were not authorized to disclose any information to me, unless I request it in writing, thus this letter. 

As you may understand, this decision has caused a lot of inconveniences for me. I do not appreciate not being given proper advanced notice and being treated unfairly by this institution. 

As an American citizen I demand Citibank to respond immediately to my request and give me the reasons behind this arbitrary decision. 

I would appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I disputed my credit report which contained information being reported by XXXX XXXX. 

I mailed a certified dispute letter to XXXX XXXX requesting validation of the account being reported by XXXX, Equifax, and XXXX. 

I received a response on XX/XX/XXXX stating : " All account information and documentation was transferred to XXXX XXXX, XXXX and any questions or concerns regrading the account should be directed there '' Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX, is required by federal law to verify through the physical verification of the original signed certified consumer contract of all accounts you request to be posted and or reported on a credit report. They have failed to do validate the account, due to lack of paperwork. 

The Three credit bureaus have failed to protect me under the Fair Credit Reporting Act. After disputing this with all three as well, they continue to report on an account that ca n't be verified. 

XXXX XXXX has violated my rights under Section 623 ( a ) ( 2 ) of the FCRA. This section addresses the duty to  correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus.
Complaint sub-issue: Account status incorrect

I called to make a payment. Spoke with the representative and made the payment to pay the account off in full they took payment over the phone. We then filed for bankruptcy and made sure we didnt include that account in bankruptcy. We cancelled bankruptcy 4 days later. We never received any notices that there was a balance on this account and I was blocked from any access online to be able to check anything. They have ruined my credit by placing this false info on here.
Complaint sub-issue: Can't close your account

XX/XX/2021 I have savings, checking and business accounts at TCF bank in XXXX XXXX Michigan. For six months. My business account deposited a bad check from a client. The bank froze all three of my accounts without explanation for 2weeks. I received a letter within 10dayd to close the account. I have been trying to do so for three weeks. I have had this XXXX XXXX would not close my accounts, held my debit cards and driver license for 3hours without explanation. I demanded that I have my property return immediately. Why would you close a personal account for a business account situation. It is unprofessional experience don't have all three accounts at the same bank.
Complaint sub-issue: Deposits and withdrawals

I live in XXXX and have continued issues with being able to us my card internationally. They have blocked my card on my pay date atleast XXXX times because they say they have to identify me. It takes days and weeks for them to let me access my card. They give the same excuses over and over again ... saying the card wasnt " XXXX listed '' or set for " international use '', or information was done incorrectly. My situation now is that I lost my card and they will still not unblock my card for 19 days. The first 10 days, they would say it would be XXXX hours, using the excuses I said above. Then 4 supervisors each, said that the information was input incorrectly. Now, I have a new deposit as of XX/XX/2022 and I haven't been able to get through for 4 days. You just get a message, saying they are experiencing a high number of calls and to call back later. I am scared, terrified and suicidal here in XXXX and I cant get any further help from the US and my cat might die because I dont have money to take her to the hospital. Please, please allow me to use my card... I am begging you. I have never had fraud on my account. Please!!!!!!!!!!!!!!!!! 
Note : I am in XXXX XXXX, XXXX and it did not allow me to put in info correctly. 
XXXX Va XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Someone try apply for a credit card in my name on XX/XX/19 and XX/XX/19. I have disputed this with XXXX XXXX which is the card application out in my name. I have been working on this almost a year now and equifax will not remove these 2 hard inquiries off of my credit report I have called every month since then, XXXX XXXX has sent over numerous documentation to Equifax and they refuse to remove this off. I have spoken with a rep from Equifax and they state they never rec 'd anything and requested that I send ss # , dr license, and other personal information not once but numerous times and every time its been a different address to sent to. The rep. with XXXX XXXX has been very helpful she wanted some information and I sent it last week I spoke with them and they rec 'd it and immediately sent it over to Equifax and asked once again to have this 2 hard inquires remove on my credit report. Equifax has been very rude about everything and dont help they state that it will take 30-90 days to have this remove. I stated NO I have done everything you have asked from me plus more and you haven't fulled you part of removing this off. I have spoken with my attorney and he states this is ridiculous again you are going through this and I said YES. I have also gone online and dispute items there too and they closed out my dispute with in days if even researching anything. My credit acccount with all 3 major credit bureaus have a fraud alert on it and still Equifax will not do anything. I have had XXXX  and XXXX  remove this off immediately never had to do with I have to submit to Equifax. All Im asking is if you cant have this remove this fraudulent reporting off my credit report.
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 US C 1681 section 602 A states I have a right to privacy.

15 US 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 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, and 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: Their investigation did not fix an error on your report

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were inquiries showing on my report and these report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Complaint sub-issue: Old information reappears or never goes away

Equifax place a consumer report on my credit file that I do not want on my credit report and refuse to remove it from my credit file I did not authorize them to place any kind of statements on my record for lenders and creditors to see I would like this stuff removed from my credit report and they refuse to remove or remove the inquiries that I asked instead they placed my complaint that I filled with the XXXX on my credit report which is unacceptable and against my will I did not ask them to that and do not want that on my credit file