Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

I am victim of Identity theft and the identity theft has already been reported to Identity theft dot gov as well as the Unemployment department. XX/XX/2021, I had requested a copy of my credit file from XXXX, XXXX and Equifax and they sent me my credit report instead. I have made repeated phone calls and their automated systems has been extremely difficult to use. 

I had online access to my reports and the screen timed out. I would like a complete copy of my credit file but their deceptive and unfair practices have made it extremely difficult to receive my private information in this file. 

Each XXXX made me disclose my entire social security number which should not be asked for. XXXX, XXXX, and Equifax could have requested the last four. 

XXXX, XXXX and Equifax have my private information stored in their systems with out my consent and refuse to allow me to verify it is correct by allowing me to see ALL of it. 
XXXX, XXXX and Equifax are also selling my private information with out my consent which is aggravated identity theft.
Complaint sub-issue: Reporting company used your report improperly

I did not give Equifax Permissible purpose to furnish any information on my credit file. Pursuant to the Fair Credit Reporting Act 15 USC 1681b - Permissible purposes of consumer reports. ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give permission as the " consumer '' Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681a ( c ). Violation of my consumer file is a violation of the Fair Credit Reporting Act 15 USC 1681n ( 1 ) ( A ) civil liability for damages sustain by the consumer not less than {$100.00} and no more than {$1000.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the XXXX   account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference page 11 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, Happy XXXX ... ..on XXXX XX/XX/XXXX I mailed off a dispute letter after learning that there was something on my report from this company. I mailed them again the company Equifax This past XX/XX/XXXX I sent a second round of letters asking for them to please provide proof or remove the documents. Everything I mailed off was certified mail and was tracked. They did receive everything I mailed off. No one has provided me proof according to Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

These are in my letters they have!
Complaint sub-issue: Debt was result of identity theft

CRA violation / No knowledge of the account / too many inquiries.
Complaint sub-issue: Deposits and withdrawals

Deposited a mobile deposit. Discover Bank took the deposit, theres no problem with the check. 3 days later it still hadnt been put into my account. So I called. They said there was a problem with their system, but they would honor the payments I made to other companies iff that check. I checked my account later in the afternoon, and they had sent payments back even though they knew it was their XXXX issues. So I called spoke to someone who had a baby in the top. With her. She was obviously working from home, and there is no way of knowing who else was in the room. Discover says they have no idea when it will be fixed and they are now intentionally hurting my credit and causing fees, with no end in sight.
Complaint sub-issue: Can't get other flexible options for repaying your loan

A few weeks ago (X/XX/2017)) I got a letter from a collection agency telling me that my creditor for my student loan wanted the full amount that I owed them. The last time I heard from this company was in XX/XX/XXXX stating that I owed them $XXXX, which I paid. I have also been paying them regularly ever since. The letter told me that the account was placed in collections on X/X/2017, however I never received any written notification (either by email or regular mail) of the company's intent or options available to me to collect the money owed to them. The letter doesn't even tell me the original company that gave me the loan, therefore I cannot even contact the company to talk to them about the matter.
Complaint sub-issue: Personal information incorrect

Requested temporary credit lift freeze from Equifax because Equifax would not permit me to manage the credit freeze online ; called service number as directed. 

Provided identification as directed including upload of driver license. 

On XXXX separate occasions agents falsely stated that no freeze is active on my account. After being insistent, I was told that my date of birth on record is wrong despite being clearly displayed correctly on my most recent credit report from XXXX days ago. In addition, the agents both had access to my correct date of birth as part of the driver license. 

I am now being asked to send in XXXX documents for verification plus a cover letter to hear back in XXXX business days because I am also not permitted to use the dispute service online. This is beyond incompetent and affects my ability to perform business in a timely manner.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Reporting Act Reporting, XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States right of privacy belongs to me, so I have the right of privacy. Also in section 15 U.S.C 1681 Section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instructions.

I have not given my written instructions to furnish this account so please remove this from my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

I am communicating with XXXX XXXX SC for the delinquent reporting on my consumer report. I have disputes with XXXX, XXXX and EQUIFAX for errors that this company has reported. Each consumer reporting agency named has verified these inaccuracies that have not been authorized by me, the federally protected consumer. I am now providing exhibits that errors have been reported because each consumer report has reported different information that is conflicting. This account status is reported as charge off with XXXX AND EQUIFAX and transferred, closed, written off for {$400.00} with XXXX. XXXX XXXX XXXX is to be the original creditor that has written off the alleged debt however, it was never transferred to a collection agency and they have continued to collect on the alleged debt. 

XXXX ( File Number : XXXX ) has reported this account went into charge off status on XX/XX/XXXX. 
XXXX ( Report Number XXXX ) has reported this account has been transferred, closed and written off on XX/XX/XXXX. 
EQUIFAX ( Report Confirmation XXXX ) has reported this account went into charge off status on XX/XX/XXXX. 

The inaccurate reportings have been verified by each reporting agency and have never been corrected as clearly the charge off dates are each different. Because XXXX, XXXX and EQUIFAX have verified unfair and inaccurate reportings, it is now their responsibility to delete this account and let the record show they have negatively impacted a consumer with false assumptions.
Complaint sub-issue: Personal information incorrect

Good Morning, I requested a few accounts to be removed since they were inaccurate, at first I didn't get a response them they were not able to probe me the accounts were legit. they just ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I was charged for a purchase that I did not make : on XX/XX/2018, a charge of {$420.00} was made through XXXX ( XXXX ) on my credit card. I did not purchase this item-this charge is fraudulent. 

I immediately disputed the charge, and closed the account : however, the merchant is stating that I did make the charge. The credit card ( Citibank ) has re-charged me the {$420.00}. I called Citibank to, again, dispute the charge today. I am not sure how to resolve this back and forth : I am willing to speak with anyone to clear up the details moving ahead, but I am being unfairly and incorrectly charged at the moment.
Complaint sub-issue: Lender trying to repossess or disable the vehicle

I purchased a car on credit through Compass bank or better known as BBVA in XXXX of 2019. I have always paid my note ahead of time. I paid my loan up for 6 months and still made on time payments every month. Apparently, PNC bank purchased BBVA at some point and I had no clue until I got a bill that looked unfamiliar. So I called them and the lady explained that transition had happened and that I am behind on payments with them. I explained that cant be so and asked her to check financials of bbva to confirm. She said she didnt see any payments and that prompted me to ask, did I have a contract with them stating that I owe them any money at all. She said no, we dont have paperwork saying you owe us, we just simply purchased the company and took over the files. I asked, how did you get all this information on me but didnt get my payment history. She said we have what bbva gave us, which was inaccurate. I immediately went to the app to show her proof but bbva had wiped my account out. So I then asked for proof on paper that I owed them. I asked her to validate the debt to be sure Im paying the right people and to ease my mind before I pay someone whos scamming. I never received any documentation proving wholeheartedly that I owe them ( PNC ) anything. No contract in place at all and I feel like I wasnt in the wrong for confirming who Im paying and why before I did. After not proving anything, 3 months later, they repossessed my car at XXXX which is against the law as well. They never sent me a notice saying it was out for repo which is against the law on top of demanding money with no contract in place which is against the law. They did not follow common law nor consumer law so I feel like I should make an example out of this situation legally.
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  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: Problem making or receiving payments

Pnc will not let me connect to a third party lending app ( XXXX )
Complaint sub-issue: Information belongs to someone else

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my credit report. I have not received a response yet. I fell like I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items in 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress it has cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/XXXX I was contacted by my loan officer due to me trying to purchase a home and was informed that a credit card from XXXX XXXX XXXX XXXX was on my credit report with a balance of {$460.00} that was opened in XX/XX/XXXX and closed XX/XX/XXXX. I contact XXXX XXXX XXXX XXXX and informed them that this is not my debt and need to submit this to the fraud department and ask them where did they send this card. They informed me that they sent the card to my current address ; however I never received this card. I then ask them was there an email address or phone number on file they said no. They informed me the debt had been sold to XXXX XXXX XXXX which they are sending me an affadavit report because they said they did not receive any Identity theft report from XXXX XXXX XXXX XXXX which I sent to XXXX and XXXX XXXX XXXX XXXX said they had received on XX/XX/XXXX and electronically sent over to XXXX XXXX. Identity theft report will be attached this information as well. I informed XXXX XXXX XXXX XXXX that they are the original creditors and need to investigate and REPORT THIS AND REMOVE FROM ALL 3 CREDIT REPORTS IMMEDIATELY. I have also called all 3 credit bureaus and reported as FRAUD AND PUT FRAUD ALERTS ON ALL REPORTS AND SENT IDENTITY THEFT REPORTS AS WELL. Please Please have them remove this information the account number is XXXX. Also this account was opened after my Chapter XXXX which I filed in XX/XX/XXXX and they used my maiden name which I have not used since XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

I contacted Lexis Nexis via their online form and requested to opt out due to having my personal information stolen after a home invasion. I provided the information of the police department, detective and case information. I explained that I was in fear of my safety as I was a victim of this crime and feel my safety is at risk. 

I received an email back stating that the information provided did not meet their requirements to have my information concealed. I than see that they are reporting on my credit report the address of my home that was not previously listed as it was not reaffirmed and XXXX states the information is from Lexis Nexis credit reporting agency. 

The public records is causing me fear for my safety and physical health and the information they are reporting to the creditors is not accurate and causing me to have problems with my credit history. 

I appreciate the assistance with having the issues with Lexis Nexis resolved. 

Thank you, XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

I have 2 issues with Citibank. 
# 1 ). XXXX card which I originally requested information from in XX/XX/XXXX. Citibank never provided the requested info and did not close account as I requested. I called and requested info again in XX/XX/XXXX. They never sent requested info and did not close account as I had requested. I sent certified letters to them on XX/XX/XXXX, and in XX/XX/XXXX. To-date, they have not provided me with explanation of duplicate deductions from my checking account, nor have they provided me with a complete history of my payments and charges from inception to closing of this account. The only statements Citibank has sent me are those that have fees and late charges that were posted after XX/XX/XXXX, 4 months after I had requested that they close the account. This account was opened on or about XX/XX/XXXX. Therefore, I would need for them to send me valid/accurate statements from XX/XX/XXXX thru XX/XX/XXXX, as the last time I used this card associated with this account was in XX/XX/XXXX. They did not close account when I asked them to in XX/XX/XXXX, and send a final bill as requested. 

# 2 ). BestBuy card. I purchased a XXXX XXXX phone thru my contract with XXXX. After 3 attempts of using the XXXX phone, ( they seemed to have problems with dropping calls and not sending text messages ), I decided to go back to XXXX XXXX. I returned all accessories for the XXXX and requested a refund. I have the receipts that show that I was supposed to be issued refund, but when I got statement in XX/XX/XXXX, the {$390.00}, was still showing as owed. I called several times, visited the store in XX/XX/XXXX, and the Manager named XXXX refunded {$96.00}, and said that it was a mistake and that was all that she could refund. She could not explain to me why she couldn't refund the remaining {$300.00}. I sent certified letters, and all I got was passed on to other people, departments and pretty much ignored. 
Both of these items are showing on my credit report as delinquent, in spite of my repeated requests to have them cleared on the basis that they are not legitimate debts and Citibank is not entitled to any payments from my end of these situations. I sent letters to Citibank and spoke with their representatives on numerous occasions, but so far, all they've done is ignored me. At this point these issues have cost me one refinance and 2 closed credit card accounts. Please note : I attach correspondence for both of the issues with this complaint.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Section 609 ( a ) ( 1 ) ( A ), XXXX is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they have posted on my credit report. 

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the inaccurate accounts. Plan on seeking legal counsel for your actions against me. 

Your failure to positively verify these accounts has hurt my ability to obtain credit, defamed my character, and caused damages. 

Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

According to the provisions of the Fair Credit Reporting Act ' 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Please notify me that the above items have been deleted pursuant to " 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. According to the Fair Credit Reporting Act, 611 ( b ) [ USC 15 1681i ( b ) ], I am entitled to enter a consumer statement in my credit report so that the information is complete and the credit reporting process is fair and equitable to me. I would like the following statement to be made a part of my permanent record so that potential future creditors will be aware of certain circumstances that caused negative credit information. 
Litigation is quite expensive and should be avoided at all costs. Should it be necessary, I would appear in propria persona [ pro per ] and file a court case in forma pauperis for free with the guidance from outside legal counsel on retainer ; however, my belief is you and your organization do not intend to pursue this matter as you have no valid legal claim or merits. The cost-to-benefit ratio is relatively low when XXXX XXXX ; therefore, this is a good-faith attempt to resolve this matter before litigation is necessary. I am willing to resolve this matter privately and civilly. Thank you for your time and attention to this matter. 
This is my third attempt to resolve this issue.
Complaint sub-issue: Report improperly shared by CRC

Equifax, XXXX, XXXX has stolen my identity, and attached my daughters ID and credit history on my credit report, without permission from me or my daughter, accounts are XXXX, XXXX # XXXX and # XXXX, # XXXX, these account are student loans. and I have never had a student loan.
Complaint sub-issue: Problem getting your free annual credit report

Hello, my name is XXXX XXXX and this will be my 3rd attempt trying to pull my credit report and my credit file from Equifax on XXXX. I have uploaded the last screenshot of my attempt. I have been reaching out to Equifax. I recently sent over an identity theft report as well have been trying to pull my credit report and they have yet to respond. They say reach out to them at the address but they are not responding to anything at this address within the 30 day time frame. I am reaching to get assistance for my credit report and credit file.
Complaint sub-issue: Account status incorrect

I visited PNC of XXXX NJ to enroll in a forbearance program on a personal line of credit early on when the Corona virus came about. I spoke with a banker there who never informed me that branches can not do forbearance or extension programs. As a result of our discussion I was led to believe that the process had started and the loan was put on extension. On the contrary nothing was done and as a result the line of credit fell into a 120 day delinquency. I am in the process of trying to get approval for a mortgage and I have been advised by 4 lenders that based upon the delinquency there is no way I could ever qualify. I have sent disputes in to all 3 credit agencies and awaiting their decision. I  am a retired XXXX XXXX on a XXXX pension from XXXX. I need to qualify for a mortgage in order to down size to a smaller house due to loss of income as a result of Covid. PNC claims there is no proof that a request was put in and are of little help to rectify my credit report. I am not looking for anything other than getting this delinquency removed from my credit report. As of now PNC has escalated the case within corporate for investigation. The reason for my submission to CFPB is to help me in having PNC Bank simply write a letter to the credit agencies and remove error of the 120 day delinquency.