Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

In 2013 I payed and settled in full my account with XXXX/XXXX. 

XXXX/XXXX continue to report negative information status on this account. I have disputed this account with XXXX, Equifax, and XXXX. All parties involved have failed to protect my rights as a consumer, and continue to report inaccurate information. 

By providing false information on my credit report, this is violating my rights under Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act.
Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies, such as credit bureaus.Section 623 ( a ) ( 2 ) of the FCRA requires the furnisher both to update accounts as well as to correct those that were erroneous when submitted to the CRA.
Complaint sub-issue: Not given enough info to verify debt

company has stated they will remove account from credit report, they have not done so yet
Complaint sub-issue: Credit inquiries on your report that you don't recognize

1. Unauthorized inquiries on my credit report on Equifax, XXXX, and XXXX. I can only provide images of Equifax, and XXXX  inquiries.
2. Remove any address on file other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 3. Remove any other social security numbers that is associated with my credit file other than XXXX 4. Remove XXXX XXXX XXXX XXXX off of my credit report for jobs. Remove any salaries and please update all correct information.
5. Remove any other names other than XXXX XXXX Please update 6. Correct all of the errors
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried to call numerous times, I keep getting transferred to multiple departments who are either closed or place me on long holds before disconnecting calls saying due to system technical errors. 
I have received your response, and to clarify my request I demand you cease and desist reporting to all credit bureau agencies, and delete the entire account history in full for inaccurate reporting. I am disputing the debt you have charged off which is why I want all communications with me stopped regarding the account. You dont have any right to damage my credit report after you have incorrectly applied a payment reimbursement '' as a curtailment. You are a not using common sense, and I don't care what your policy is because it is invalid in this case. The payment was not sent to you from an insurance company, it was sent to me as repayment for money I spent out of my own pocket to fix the car. As I have stated numerous times that money was allocated for monthly payments in my budget and it is not up to you to decide have to distribute my money on my accounts. Therefore you are in violation of several consumer protection laws I will hire an attorney to enforce in a federal court of law while requesting at least {$75000.00} in damages along with attorneys fees if this account history is not removed from XXXX, Equifax and XXXX immediately.
Complaint sub-issue: Deposits and withdrawals

I opened a savings account with PNC in the 1st quarter of 2020. For some reason, they have been withholding interest. Over many months, I have attempted to remedy this issue, but PNC has been very unresponsive. They are unavailable by chat or their message center, so it has been necessary to call, which I have done several times. There is absolutely no one available who can tell me what is necessary to remedy this situation - I do not want to withhold interest on my savings account, there is no reason to withhold interest on this account. I attempted to accelerate the problem to the next level and that resulted in no additional assistance. All I want is to stop interest being withheld from my savings account. There is no reason that something this minor should take almost a year to resolve.
Complaint sub-issue: Public record information inaccurate

I've been having this problem with Equifax for a while now,, I disputed the bankruptcy that's showing inaccurate information on my Credit report. I disputed the bankruptcy in XXXX and they replied back it was verified and accurate on XX/XX/XXXX XXXX on XX/XX/2018 I asked the US Bankruptcy court by writing do they verify or send information to the credit Bureaus. The US Bankruptcy court replied back to me in writing saying that they do not provide any information to the credit bureau.. I have a copy of that letter from the clerk Enclosed. on XX/XX/2018 a security freeze was in effect on me with XXXX I have a copy of the freeze from XXXX XXXX. On XX/XX/2018 A security freeze was in effect with XXXX.. I have a copy of the freeze confirmation from XXXX. In XX/XX/2018 I sent a certified letter to Equifax to reinvestigate the inaccurate Bankruptcy on my credit report ... They replied back saying it was verified in XXXX. They are reporting inaccurate information because the US Bankruptcy do not report any information to the credit bureau. I have freeze on my credit file so how are they getting the verification.. They are reporting inaccurate information. They are reporting misleading information they are reporting information that is not valid. I then filed a complaint with the CFPB on XXXX for them to investigate why Equifax is not reporting 100 % accurate information. Also As you can see from the XX/XX/2018 report from Equifax ( XXXX ) they have the address listed as XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) But on the XX/XX/XXXX report ( XXXX ) the address is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ..The information is not accurate from the previous report, .. on XX/XX/2018 I submitted a complaint on this same issue with Equifax and they responded back saying they need authorization from me to proceed with my complaint,,, I called the CFPB to see what was that about and said Equifax need me to send in my Drivers license .and copy of my social security card,,, I called the Equifax global to see what was the issue and I advised them of my complaint and advised them that they already have pictures of my ID and my Social Security Card in file AND A COPY OF A BILL IN MY NAME SO WHY THEY NEED AUTHORZTION TO respond to my complaint. They are not trying to respond to my complaint because they know they are not reporting 100 % information on this issue and they are trying to get out of responding to my complaint. This is not right ... my consumer rights ' are being violated
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 XXXX 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 XXXX 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: Debt is not yours

We called IQ Data on XX/XX/2022 to dispute the collection of {$920.00} and we ask for a signed original document and they refused to send us one saying that they had already sent one which my husband and I disputed and then they started being verbally abusive and threatening. We tried to explain to them that this was not our debt and they did not want to hear this and again became verbally abusive and threatening. We also noticed that the amount of the debt they claimed we owed continued to increase every 6 days going from {$920.00} to well over {$1000.00}. Thank you for your help with this matter.
Complaint sub-issue: Debt is not yours

I do not have a record of this account that ever belonged to me. I've requested on various occasions to send verification from the proprietorship however they haven't agreed to my solicitation yet.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On all 3 of my credit reports I have an outstanding account that is negatively reporting information from Macy 's. I have contact Macy ; s about this account and they have indicated the account was sent to a collection agency but are unable to give me the information for said agency. When I asked for a balance and or offered to pay the account they said they can not take my money because I need to pay the agency but they have no information on the agency. I have been getting the run around for years. I have called and written several times and have even offered to pay whatever balance I have bit no one seems to be able to locate the account nor assist me in locating the account. I have every intention of making good on this debt but have been unsuccessful in doing so. Being that no one form Macy ' can help me and that there is nothing I can do I feel it is not fair that this keeps affecting my credit and I have no way of controlling it. I need you help in getting this off my credit
Complaint sub-issue: Information belongs to someone else

I previously sent a dispute about a fraudulent account on my credit report to Equifax and XXXX XX/XX/2021. The credit bureaus did not investigate my claim. Instead they sent a letter stating I did not send sufficient evidence, but I did in fact. I sent them a dispute letter notifying them that Im disputing this fraudulent account under FCRA 605B with attachments of my drivers license, social security card, identity theft report, and a copy of the FCRA 605B Disclosure.

Thereafter I sent a dispute to the creditor to investigate the account with supporting documentation and the creditor responded with a letter stating after their investigation they have found that the account is in fact fraudulent.
Complaint sub-issue: Investigation took more than 30 days

I called first progress numerous time also sent in a dispute letter about the 3 late payment on my credit report last one was sent in on XX/XX/2022 asking to remove the late payment and still haven't gotten a response.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020, letters were sent to Equifax, XXXX, and XXXX alerting them that I have once again been the victim of identity theft and 5 items were not mine and should be removed at once. Included with the letter was a copy of my DL, XXXX XXXX report along with rules that they must follow. 7 days later, XXXX  quickly removed the accounts. XXXX  alerted me that they received notice for fraud and placed an extended alert on file with an incorrect evening contact number. Equifax decided to trigger a regular investigation. Due to the laws in place, XXXX and Equifax are to remove the items identified as fraud. This has not happened.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXXXXXX, XXXX Account # XXXX {$1900.00} Account # XXXX - {$710.00} Account # XXXX - {$710.00} not only did my medical insurance cover the above amounts the two accounts that show I allegedly owe {$710.00} is reporting on my eqifax credit report incorrect its showing i owe {$730.00} on XX/XX/2022 the above accounts were removed and then readded on my credit report as new collections My privacy was also violated during a time where these medical bills were inaccurately allegedy validated by this third party collection. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS.
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when reviewing my credit report I found a late payment reporting in the month of XX/XX/2018. 
I am not sure how this happened since i make my payments as soon as I get my statements. My only thought is I never got this statement.
Complaint sub-issue: Reporting company used your report improperly

On XXXX/XXXX/17, Equifax had a huge IT security breech and hackers obtained the personal SSN and credit card numbers and histories of many people. I am one of them. Due to Equifax 's lackadaisical approach to IT and computer security, I now need to monitor my reports for any fraud, place a freeze on my credit, and need to monitor my tax filing closely. There was no way on my end to avoid the security breech, however Equifax had the money and resources to prevent it.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I reached out XXXX 2022 about a charge for {$4600.00} and shotty issues with workmanship via this Home Depot Citibank Charge. On XXXX, I was sent an email stating that there was a letter on my HD account. The letter which is attached, states we found in your favor and we are issuing a credit of {$4600.00} within 2 billing cycles. At three billing cycles no credit has posted and on XXXX they are trying to now stating they emailed to my HD account further info declining said credit. They are saying they now have to reopen dispute because the store supplied a " work order '' and they do not even know if the disputes department will reopen
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX ran my credit WITHOUT MY CONSENT OR AUTHORIZATION! XXXX  or equifax did not properly conduct the investigation and has still Not removed this from my credit report hence me filing another complaint in less than 3 months!
Complaint sub-issue: Information belongs to someone else

Dear team, I am very sad because I saw error reporting in my credit report. There are inquires that are not mine and I do not recognize them at all. I am kindly asking you to help me and apply investigation because I do not know what to do with these unknown items in my profile. I am hapless already. I would very appreciate if you help me with this problem and remove the items that are not mine. 

Thank you in advance
Complaint sub-issue: Frequent or repeated calls

The debt collection agency IC Systems uses disgusting tactics to collect on miniscule amounts of money. They repeatedly called my XXXX-year-old grandmother ( who has never been associated with this debt EVER ) and told her they would come find me and arrest me if I did n't pay a {$250.00} debt. My grandmother has XXXX and this XXXX her terribly. It took me quite some time to explain to her that no one was trying to hurt me and take me to jail. IC Systems even called her a second time after she told them she does n't even live in the same county as I do.
Complaint sub-issue: Debt is not yours

This notice is my, required by law, demand to " cease and desist '' collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : The name and address of the organization or other governmental unit alleging a debt ; The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ; The name of the actual creditor even if that is myself ; The origin of the funds used to create this alleged claim of a debt The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt. 
The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental unit 's own funds that resulted in the enclosed alleged claim of a debt. 
The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( XXXX ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name. 
Be advised that verification is defined ( XXXX 's XXXX XXXX, XXXX XXXX ) as follows : " Confirmation of correctness, truth, or authenticity. by affidavit, oath or deposition ''. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party. 
The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z.

The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.

The person that prepares and swears to the validation of debt must describe : 1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) how long have you been in your position ; 4 ) when did you first come in contact with the alleged account/debt ; 5 ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; 6 ) are you the person/employee who regularly works with the. alleged account/debt ; and 7 ) do you have personal knowledge about the alleged debt and/or any alleged account.
Complaint sub-issue: Reporting company used your report improperly

XXXX, XXXX and Equifax are allowing XXXX XXXX XXXX  to report false information on my account, and is allowing XXXX XXXX XXXX  to keep peoples account open even though the accounts XXXX XXXX XXXX XXXX and account XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Sent letters to all three Credit bureaus XXXX XXXX, XXXX, and Equifax. 
The accounts came back as verified. These are not my accounts.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed that there was another unauthorized hard inquires from CITIBANK on XX/XX/2018 on my XXXX  and XXXX credit report that i did not make, i've made several calls to CITIBANK, XXXX   and XXXX  to have this removed and was told they cant remove or dispute hard inquires although they are aware i did not make it. 

I noticed every since i became a member of XXXX  and XXXX  i get hard inquires and things start to appear on my credit file out of know where as if an employee has stolen my information and using it for there own benefit. 

I did not make this hard inquiry, i was driving from another state when i received the notification ... someone from XXXX, XXXX and CITIBANK is working together using my info TO OBTAIN CREDIT.
Complaint sub-issue: Reporting company used your report improperly

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 

Accounts : Creditor :XX/XX/XXXXAccount : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX Account : XXXX Creditor : XX/XX/XXXXAccount : XXXX Creditor : XXXX XXXX Account : XXXX Creditor :XX/XX/XXXX Account : XXXX Creditor : XX/XX/XXXXAccount : XXXX Creditor :XX/XX/XXXXAccount : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XX/XX/XXXXAccount : XXXX Creditor : XX/XX/XXXX XXXX XX/XX/XXXXAccount : XXXX Creditor : DEPT OF TREASU Account : XXXX Creditor : XXXX XX/XX/XXXX Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice.
Complaint sub-issue: Problem with customer service

I have been working with this agency, funded by tax payer dollars, since 2011 when I began paying on my student loans. It has been taxing to say the least. There are several ongoing issues that XXXX is unwilling to solve. These are as follows : Six months ( plus ) wait time for paperwork requests, and account questions Lost paperwork Qualifying payments that were once approved are later revoked No follow up after paperwork submission Although I have been diligently paying on my students loans on time and in the full amount requested, I have been met with alleged discrepancies that after two years and countless phone calls, no one at XXXX is able to rectify for me.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act the following accounts are in violation of my federally protected consumer rights under15 usc- section 1681 1681 b 1681 c2e 1681 he Accounts : XXXX XXXX XXXX XXXX I have spoken with a representative in the executive office whom has stated there would be no remedy even with proof of identity theft
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting the following alleged medical debts that have not been validated and updated with the company name or contact information. I do not know 1 ) if this is my debt - 2 ) if it is my debt Who I owe and where to pay! I have already disputed with Equifax multiple times over 4 - 6 months and still I do not have further information about the alleged debt listed below. 

I have a right to an accurate credit file and these type of inaccuracies are unacceptable! 

Account XXXX. XXXX XXXX {$510.00}