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

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 35 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 35 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file for litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Complaint sub-issue: Account terms

I would like to continue my fight against Equifax reporting XXXX to my credit report against the law. I recently checked my XXXX XXXX monitoring service and noticed that XXXX # XXXX is still illegally reporting against me and affecting my credit score and hindering my credit report. I have repeatedly asked to be provided with proof that aligns me, XXXX XXXX, to this inaccurate account and I have received nothing of use nor any correspondence from Equifax. This is not fair. This account is not an account that I have ever held and it can not be reflected on my report. I have disputed all of the information and found it very suspicious and weird that they deleted all of the payment history and changed the dates to newer and more recent dates. I can not fight this uphill battle if they keep changing the game. This is not my account, I have no proof nor any knowledge of this and would like it removed immediately from my credit report with Equifax. I mean why delete ally payment history and leave me with nothing to look at and nothing to say besides that this is NOT my account and it is not correctly reporting any information, therefore remove it, please.
Complaint sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Other problem getting your report or credit score

Equifax is reporting negative and fraudulent information to XXXX XXXX. When I attempt to provide contrary evidence, and file a dispute this online through Equifax, I am being told that this is not an option and to contact them. I see no reason why I should need to call and explain something that I have proof against, if there is a method to do so online. Equifax is not following the guidelines of the Fair Debt Reporting Act, and is reporting information about me in a sense of defamation of character. This is indeed fraudulent, and should not be permitted.
Complaint sub-issue: Fee problem

i had many issues with my old account being compromised. The last time the PNC bank called me telling me that i needed to go personally to a branch. We opened a new account and the old one decided to leave it open just in case my job and social security administration would deposit the money on the old account, the account had a hold. I would say in XXXX ( cant remember well ) called the fraud department so they can have removed the hold and transfer a balance that I had in my old account so I could close the old account. For my surprised, the person that I spoke with from the fraud department, told me that there was an overdraft of {$220.00}, which I dont understand why is that, when I was having a balance by that time. I went to another branch of pnc to close the old account, the person that I spoke with told me that it was not possible to close the account because of the hold on that old account, but said he would call ( Im not sure where ) to remove the hold so we can close that account and he was going to call me back. Never received the call..for my surprise, the bank transfer over {$200.00} from my new account to old account that had and overdraft ( which shouldnt be any in the first place ). My experience with PNC has been a disaster, not only my old account was comprised many times, my sons, my mothers account, but transfers funds from my new account to and overdraft that again, should have any, and on top of that, I have spoken to a person from the escalations department from PNC and they dont even cant figure out what happened on that account, told me was going to call me and yet im waiting. Im disputing the {$200.00} that was transfer from my active account. If this is not resolved, im willing to contact a lawyer. I dont feel at ease having my money with this bank. One day I have money and the next day my new account is in danger to be overdraft because of the old account? And then the application is showing the {$200.00} back again in my account and in a matter of minutes the money disappears again. Its ridiculous. I have spent hours ( during work ) on the phone trying to get this resolved.
Complaint sub-issue: Investigation took more than 30 days

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. XXXX5 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: Seized or attempted to seize your property

I received 2 letters from Bank of the West dated XX/XX/XXXX. One I received on XX/XX/XXXX the other on XX/XX/XXXX. I have a RV loan with Bank of the West. I had missed the 10 day deadline stated in the letter due to the mail. Why was not a signature required with the importance of this letter? It should be the date I received the letter, not date it was typed. Both letters were postmarked XXXX, WY. Because I did not respond within the 10 days of the date of the letter, the Recovery Department of Bank of the West ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX ) turned my account over to debt collector XXXX XXXX ( XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, WY XXXX. XXXX ) I am currently disputing this issue with XXXX XXXX. The amount the are stating is the amount owed over the course of the loan, not the outstanding balance. If I do not pay the loan amount, there will be re-possession. I have asked both parties to reverse the action to have my account back to Bank of West. I am currently making payments towards the outstanding balance to the bank. The Recovery Department stated they could not help the mail. I lost 4 days just getting it to XXXX. I live in Georgia. In the meantime, I was sending emails to BOW customer service. I was receiving blanket responses with department phone numbers. I was inquiring about speaking with someone of authority. It never happened. 

I spoke to 3 members of the XXXX XXXX XXXX times. One agent said other people had the same issue with the letters. I feel the issue could have been resolved that day. They told me they are in contract with XXXX XXXX and no way of getting out of it. I know with due diligence and getting the right parties involved, this can be reversed. 

Thanks for your assistance!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair reporting act XXXX  account number XXXX, XXXX XXXXXXXX account # XXXX, XXXX account # XXXX, XXXX XXXX # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXX XXXX acoount # XXXX, XXXX XXXX account # XXXX, Dept of Ed Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 sec 602 A. states i have the right to privacy.

15 USC 1681 Sec 604 A Sec 2 : states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX I called Citibank to apply for a credit increase on a current credit card as well as apply for an additional credit card. Knowing that a credit inquiry would be generated, I verified with the representative that because I wanted to do both items at the same time, I wanted to ensure there would only be a single inquiry. The representative agreed. My credit increase was granted and I was transferred to another representative for the new credit card application. I again explained the situation to the representative because I wanted to ensure that only a single credit inquiry would be performed - and since one had just been done that the same one would be used. The representative agreed that there would not be an additional inquiry. My credit application was approved.

Later, while checking my credit reports, I can see that two credit inquiries were performed. One on XX/XX/XXXX, one onXX/XX/XXXX. I have verified this with XXXX.

I began calling Citibank and after speaking with many representatives and being told by each that this issue would be escalated to people who could resolve it, I received no resolution. I also called XXXX and was informed that only the company can resolve it.

After many more unsuccessful calls to Citibank, I was put in touch with XXXX XXXX in the Executive Response Unit. She eventually reviewed the calls and agreed that this should not have happened and that one of the inquiries would be removed from my credit report.

I received a letter dated XX/XX/XXXX from XXXX XXXX at Citibank indicating that the inquiry would be changed to a " non-display '' inquiry. This is not what we had discussed, even though the letter specifically indicates that it is, but I was willing to be flexible and patient to see if this was resolved. The letter advises to allow 30 days for resolution, which I was agreeable to.

After over 30 days of waiting, now getting closer to 60 days, my credit report still reflects the same two credit inquiries. I have verified this through XXXX XXXX ( XXXX ). I have been attempting to contact XXXX XXXX for two weeks now, leaving multiple messages, with no returned calls.
Complaint sub-issue: Information belongs to someone else

According to the FCRA / 15 U.S.C 1681, I have certain rights as a consumer. Upon reviewing and comparing my current credit reports, I have discovered more than 20 violations of my rights across 15 different accounts. These violations span multiple sections of the FCRA including, but not limited to sections 602, 605, 607, 609 I attempted to file a dispute online with Equifax, however, their online system rejected my request.

Listed below are the accounts that ALL have discrepancies regarding " Date Last Active ''. None of these accounts have consistent dates across the credit bureaus for the same account. ( Please see attached documents that show the discrepancies ) Also, I do not agree with the dates listed as some accounts should be " aged out '' >>>Inconsistent and Inaccurate regarding Date Last Active for 12 accounts ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, some of these accounts have additional violations which are also highlighted below. 
>> [ Fraud : The following accounts do not belong to me. ] See attachment - XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX L ) Account # XXXXAfter a previous dispute of this account, XXXX XXXX said that the account was " verified '' but did not provide any additional details. Because this is a fraudulent account, it essentially impossible to verify this account. This account should NOT be on my report. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account # XXXX never opened an account with XXXX  in XXXX of XXXX. This account should NOT be on my report >> [ SAME ACCOUNT NUMBERS LISTED MULTIPLE TIMES WITH DIFFERENT BALANCE AMOUNTS ( See attached ) ] - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) ... also ... XXXX XXXX Account # XXXX Account is being listed by the original creditor and a collection agency each listing has a different balance for the same account number - XXXX XXXXAccount # XXXX ( listed twice ) This Account is being listed twice. Each listing has a different balance for the same account number XXXX Accounts Older than 7 years and have not had activity within that time : ( see attached ) - XXXX XXXX XXXX  Account # : XXXX ( XXXX occurrences ) Statute has expired and should not be on my report any longer. 

XXXX XXXX XXXX accounts with no Creditor information listed ( see attached ) - CREDITOR UNKNOWN ACCOUNT # : XXXX - CREDITOR UNKNOWN ACCOUNT # : XXXX
Complaint sub-issue: Problem using a debit or ATM card

The original debit card has expired and I have never received the new debit card. I have called twice to resolve the problem and I have gone to a branch that told me to call the customer service number. The monthly service charge seems to now be {$10.00} per month when before it was {$4.00}.
Complaint sub-issue: Account information incorrect

XXXX XXXX INACCURACY : XXXX OPEN DATE : XX/XX/XXXX XXXX OPEN DATE : XX/XX/XXXX EQUIFAX OPE DATE : XX/XX/XXXX LAST REPORTED : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQIFAX : XX/XX/XXXX XXXX XXXX INACCURACY : XXXX OPEN DATE : XX/XX/XXXX XXXX OPEN DATE : XX/XX/XXXX EQUIFAX OPE DATE : XX/XX/XXXX LAST PAYMENT : EQUIFAX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX OPEN DATE : XX/XX/XXXX EQUIFAX OPE DATE : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQIFAX : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX OPEN DATE : XX/XX/XXXX EQUIFAX OPE DATE : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQIFAX : XX/XX/XXXX XXXX XXXX XXXX XXXX OPEN XXXX : XX/XX/XXXX XXXX OPEN XXXX : XX/XX/XXXX EQUIFAX OPE DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX OPEN XXXX : XX/XX/XXXX EQUIFAX OPE DATE : XX/XX/XXXX LAST REPORTED : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQUIFAX XX/XX/XXXX XXXX XXXX : XXXX OPEN XXXX : XX/XX/XXXX XXXX OPEN XXXX : XX/XX/XXXX EQUIFAX OPEN DATE : XX/XX/XXXX LAST REPORTED : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQUIFAX : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQUIFAX : XX/XX/XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX EQIFAX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX EQIFAX DATE OPEN : XX/XX/XXXX LAST PAYMENT : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX EQIFAX : XX/XX/XXXX I have already sent letters to the credit bureaus asking them to verify the debt on my report. They have sent back stating that everything is verified. My credit report is still showing inaccurate information. I took a closer look to see that XXXX things were still incorrect. I have pulled my reports and see numerous inaccurate things. As well as saying different dates, and numbers on each credit report. This violates XXXX XXXX. XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
Complaint sub-issue: Received bad information about your loan

I applied for the TEPSLF program twice since XXXX. This is related to the Public Service Loan Forgiveness Program. Each time, my application was denied. I have met all of the requirements for the program. I was on a Direct Consolidated Standard repayment plan until I switched to an Income Driven repayment plan in XXXX. The Direct Consolidated Standard repayment plan is a qualifying repayment plan under the TEPSLF program. I have met all the requirements for the program : I submitted a PSLF Application and had it denied because of non qualifying payments, made 120 payments that qualify under the TEPSLF program, I have over 10 years of full-time employment with a qualifying employer, and my payments 12 months prior to applying for TEPSLF and my most recent payment prior to applying were on a income driven repayment plan. 

Even though I have met all of the requirements, FedLoan Servicing keeps stating I dont have enough qualifying payments. This is absolutely inaccurate and I have all of my statements over the years to prove it.
Complaint sub-issue: Lender trying to repossess or disable the vehicle

Carvana financed me a used XXXX XXXX XXXX, during the application process Carvana requested a XXXX dollar down payment. i Agreed and used a third party app called plaid that Carvana provided- This third party took my banking information and would process XXXX as an ACH on the day of delivery of the car. 

When the vehicle was delivered XX/XX/XXXX I signed the paperwork and was good to go. 2 weeks later I was called by XXXX XXXX she informed me that for some reason no one knows the ACH never happened, she wanted me to mail a money order overnight or Carvana with " unwind '' the loan and take back the car. i told her that was not possible due to a fraudulent occurrence with my bank account. She told me to bad and Carvana will be taking back the car- i have since called Carvana 5x to get the car picked up from my home and each time they tell me someone will call me to pick it up ... .but no one has! 

I'm about to make a first loan payment to a car i won't own ...
Complaint sub-issue: Account status

A vehicle lease reporting on my credit file was NEVER delinquent but Equifax is reporting XXXX late payments for XX/XX/XXXX and XX/XX/XXXX for XXXX # XXXX. This account was never late and should not contain any status codes. I have requested a reinvestigation to forward me any evidence/ proof and descriptions used to conduct an investigation and yet i have received nothing after each of my disputes and requests. I do not believe a proper investigation was done, these late payments never occurred and the furnishers would agree but they have informed me that no one from Equifax has verified anything with them. Experian and Transition are NOT reporting any late on this account. SO how does equifax have this account reporting this way? illegal
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX
Complaint sub-issue: Problem with fees

I have XXXX kids and my husband and I have lost our jobs due to COVID-19. I was set up on automatic withdrawal for one of my credit cards with them. Something happened with their system and it didnt deduct it. I received a email saying it was past due. I immediately called them to sort out the issue. The first rep kept lying and changing the subject, was very rude! I explained the situation and just tried pawning me off to another department. They couldve easily waived the {$50.00} late fee and just gave me some made up lies. They would rather justify stealing from innocent people during a tough time. I have never ever been late with them. Instead they would rather have my kids go hungry for their own benefit! This is the problem with our country greedy scumbags like the entire Citibank!!!!
Complaint sub-issue: Debt is not mine

Received email this morning from Title Max, Inc. Stated that I owed $ XXXX reads that I must pay this amount by end of business day today or set up payment arrangements.If I do not do this, they threaten to start legal proceedings against me, docket number XXXX and inform my employer and credit bureau. They state failure to do these steps will result in the next step, Legal Proceedings. They will start legal action. " Let us know what your intention is by today itself so we can hold the case or else we will submit the paper work to your local county sheriff department and you will be served by court summons at your door step. ". I repeat I did not borrow any money with Title Max, Inc ever. There have been threatening phone calls several times a day, including early morning and late in the evening.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Name : US Dept Of Education, has violated my rights. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Complaint sub-issue: Debt is not yours

Account was charged after being closed. Reached out to XXXX XXXX XXXX to resolve the issue and got no resolve. Also the company is not licensed to collect in Alabama nor Missouri.
Complaint sub-issue: Problem getting report or credit score

Equifax will not release my credit report to companies that request it. I am trying to purchase a house and the following lenders are unable to access my Equifax Credit File : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. I need this fixed immediately. 

I have no security freeze on my credit report as confirmed by Equifax when I call. I am also unable to access my credit report when using XXXX and I have never been able to access it using Annual Credit Report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my Rights. 
15 U.S.C 1681 Section 602 A. States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Also States a consumer Reporting Agency can not furnish a account without my written instruction.
Complaint sub-issue: Reporting company used your report improperly

Inaccurate information reporting to credit agencies