Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Have tried numerous times to get credit reporting corrected with all 3 credit reporting companies no no avail from XXXX XXXX XXXX XXXX. 

Continuously reporting erroneous information and refusing to submit corrected information to credit bureaus. 

Due to problems with accurately reporting information that they created due to negligence on their part, selling off our loan in the middle of a government modification program and not reporting that and clearing our account and correctly reporting this. 

Requested by certified letter dated XX/XX/2019 and received by signed return receipt dated XX/XX/2019 for the following that we have NEVER received : 1 ) copy of original deed of trust 2 ) Original signed promissory note 3 ) all transferred documents from XXXX  XXXX XXXX that was sold XX/XX/2019. 

This company refuses to provide requested information and simply sends a form letter to keep the information on our credit report without providing proof of the investigation that was made. We have been told that we must hire legal council to supeona our records to view what XXXX XXXX XXXX sent to them.
Complaint sub-issue: Information is not mine

inquiry 's from the last 2 years are fraudulent. police report on file buthas been misplace but have older police report? equifax
Complaint sub-issue: Fee problem

On Friday XX/XX/XXXX I walked into PNC Bank located at XXXX XXXX XXXX XXXX XXXX Florida XXXX and was approached by Banker XXXX. I needed to do a wire transfer. XXXX stated with my account there was no fees for the wire transfer. I gave him all the information, he printed the paperwork and I signed it then he signed. I ask for a copy as I needed proof of the wire transfer and he stated no I can not get a copy. I ask him why? He stated he is not going to give me a copy. My daughter explained why we needed the proof of the wire transfer as it was evidence of transmittal for the good faith deposit purchase of a new home. He refused but then he told us blatantly Im refusing to service you, you can leave now. Shocked at his statement my daughter stated " You refuse to service us because we ask for a copy? '' he stated yes you can leave. then he turned to the customer behind us and stated " sir can I help you ''. The customer stated loud no you need to help them I will wait. We were shocked at his behavior. We ask him for his name he stated no he is not going to give it. Then we ask for a card with the bank address. He stated we can google it. He REFUSED SERVICE. I then ask him to cancel the wire and if he could shered the cancelled document. He stated he will not he put it in the top draw. I informed him since I am being refused service for asking for a copy I will like to close my account and withdraw out all my money. He stated if I drew out my money he can not give all my XXXX just XXXX, XXXX. I ask for a manager and he stated none was in the Bank.

I proceeded to leave when another Banker ushered me into his office apologized and processed the wire transfer. This Banker name XXXX informed me there was no fee for the wire transfer and he gave me a copy. 

To add insult to injury they charged me a {$30.00} fee in which i noticed today XX/XX/XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

XXXX XXXX2022 I received a Credit card was opened by using my social security number through the mail. Card has a balance of {$18000.00}. The person used my adress as well to obtain the credit card.
Complaint sub-issue: Account status

US Dept ED Accounts are closed/sold to a new company and no longer valid record. Accounts Transferred/Sold. Transferred to another lender.
Complaint sub-issue: Problem with rewards from credit card

have a problem with XXXX XXXX and with particularly with Upgrade Card. I was misled and lied to. Given completely false promises that were never honored. All my efforts for peaceful resolution did not go well. Upgrade Card would not honor what they promised. 
Let me start from the beginning. I was referred by XXXX XXXX to apply for Upgrade Card with a {$400.00} signing on bonus. From the start, Upgrade gave me lies. First they told me ( and I have all e-mails from them to prove it ) to provide some documents and the half of the approved {$2000.00} credit will be available right away. That never happened. It took them a month and a half to have the money available. Okay, I let it go. No problem. However, when I inquired about {$400.00} that was suppose to be given to me as a credit after 3 months of having my account in a good standing they told me that I should not be worrying everything will be posted to your account next billing cycle which suppose to start in XXXX. That never happened. I tried calling back again but this time they told me that I should have opened a checking account with them and fund it. I did not do that therefore I am not eligible for promotion. That was a shock to me. It was never in the picture before.I even tried talking to superviser but they started saying same thing. It only started in XXXX. That's when I supposed to see the credit they promised.
Complaint sub-issue: Information is not mine

XXXX XXXX SS NUMBER XXXX DOB XXXX XXXX XXXX, FL XXXXXXXXEquifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX # XXXX XXXX # XXXX XXXX # XXXX 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX XXXX SS NUMBER XXXX DOB XXXX XXXX, FL XXXX
Complaint sub-issue: Used obscene, profane, or other abusive language

My sister received a call for me. Somehow. Because I've never given anybody her number. I called. A lady answered " Hello ''. That was it. No business name or anything. She tried transferring me to somebody, but I got a voicemail that still didn't tell me who I was calling. I called back. Another lady answered " Hello, this is XXXX ''. I gave her my name. She told me they're the collection agency for Elan Financial. She then proceeded to give me my date of birth, social, previous addresses, and previous employer .... She seriously just gave me all that information. Anybody could've called and said they were me, and she would've given them all the information needed to steal my identity. I use to work in collections, and I'm 99.9 % sure that's illegal.
Complaint sub-issue: Public record

The BK that is showing on all CB has past its term of limitation of reporting. 
I ask for all XXXX CB to remove the BK off my record.
Complaint sub-issue: Debt is not yours

Section 604 requires a credit bureau to remove this XXXX XXXX XXXX XXXX so many corruptions, human rights violation, Section 604 violations and VAWA act violation ( VAWA Act protects XXXX XXXX life ) and XXXX  hate crime violation ( Windsor Washington is Asian American ) ] in the Honorable XXXX XXXX  credit report. Section 604 and VAWA act protect the XXXX XXXX XXXX and his children. Section 604 instructs credit bureau to remove this in the XXXX XXXX  credit report in this pandemic. XXXX XXXX has resided in XXXX XXXX  capital belt area. ( Not in XXXX  XXXX. 

The United States of America federal government protects the Honorable XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX case # XXXX, special immigrant protection, Approval ) - attached file the XXXX XXXX Governments special protection legal documents. 
This verified federal document gives special protection for The XXXX XXXX XXXX XXXX Full custody ) and his children
Complaint sub-issue: Account information incorrect

i would like to file a complaint on EQUIFAX for continuing to report inaccurate and unverified information on my credit report. I sent a copy of the check from my insurance company to equifax and also disputed the incorrect information and still equifax has ignored my proof and violating my consumer rights according to FCRA. 

On XX/XX/2021 my insurance company sent check in the amount of XXXX, paid the account off in full. On XXXX XXXX I received a letter and check in the amount of {$120.00} attached from XXXX XXXX stating the car loan was paid in full and that I overpaid the account and they were refunding me. In XXXX, & XXXX I paid my car note even though my insurance company had paid the account in full in XXXX because I was advised my a XXXX XXXX representive that Even though they did receive the check on XX/XX/XXXX that my account had to be updated and it would take serval weeks in which i found that odd. I have never missed a payment and this error has effected my credit scores bad. I have called all 4 companies and have been unsuccessful resolving this issue.

I want the CFPB to publish this description XXXX  information on my credit report. My XXXX XXXX account was paid in full
Complaint sub-issue: Account status incorrect

1. XXXX XXXX XXXX  is reporting to XXXX XXXX and the three major credit bureaus such a XXXX Equifax and XXXX that my closed first premier card as open with a XXXX credit limit. This is inaccurate and fraudulent. I don't have this card and it paid in full with O balance. 
2. XXXX XXXX is reporting the first premier card muliple/duplicates of the card must be deleted.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I would like to appeal this result and see no way to do that through your website, which is why I reached out to the CFPB. 

Per federal guidelines, I am requesting this credit because of false advertising. I have a credit slip and I have lots of documentation. Bad service and service not rendered are eligible reasons to dispute a charge, even though I willingly made the purchase. The Fair Credit Billing Act gives me the right to dispute charges in case I am dissatisfied with the transaction through a process called Claims and Defenses. I contacted the merchant multiple times ( as shown in my evidence ) and we were unable to come up with a reasonable resolution, which is when I reached out to you at Citi. I attempted to resolve the issue over several days in good faith, she offered me only my security deposit back ( which I was already entitled to, less {$50.00} for a damaged pillowcase that I didn't know about ) despite the fact that the pool and hot tub did not work for the entirety of our stay ( among other things ). 

There was no way for me to know the home was in disrepair until I stayed in the home- I even purchased two extra nights in an effort to avoid something like this and to give the owner ample time to fix the issue. She did not. I'm surprised that as my credit card servicer, that you aren't on my side here. 

I have also submitted complaints to the attorney general in Arizona and Texas ( where the businesses are registered ) and the XXXX  in an effort to try to resolve this reasonably with the merchant and they have refused to respond. 

So again, there is no clear way to appeal, and I would like to appeal immediately. 

Thanks, XXXX
Complaint sub-issue: Reporting company used your report improperly

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Complaint sub-issue: Account information incorrect

Hello and greetings : I am a customer with PNC bank. in XX/XX/XXXX/XX/XX/XXXX I experienced difficulty and was advised by PNC to stop paying loans and seek refinance and program assistance. I did so and was repeatedly threatened with foreclosure and refinance options simultaneously. During which time, PNC was bought out and merged with another company. < so I was informed > I made a lump sum agreement IN WRITING with PNC and paid all amounts due and late fees to date. I then began paying monthly payments and have continued to make monthly payments etc. No statements arrived soon after re-doing all the paper with PNC and I went to teller at local branch < name withheld but on file > was given an amount which I paid with receipt. I have all accrued receipts and paper on file. When I applied fo credit and was denied due to PNC reporting me late on XXXX payment etc I began to contact PNC. They sent me a very large paper file aprox 2000 pages and informed me it was my job to now prove they apportioned the payments correctly. I approached the teller and informed her of what had occurred and the PNC headquarters told her to inform me that she has no authority and not to discuss matters with me concerning my account. I was very distraught and experienced hardship due to the erroneous inaccurate reporting. All this stated, I wish to have an investigation into my 3 PNC accounts reported on my credit file. I am not late in XXXX nor after the written accord between PNC collections and myself. 
I will begin to compile all of the monthly payment made at the local branch. accepted and cashed at the local branch as well the lump sums that were paid to PNC with all late fees paid as well. 
My thoughts is that PNC should not be reporting me late and should be practicing due diligence pertaining to me account and PNC XXXXredit reporting ... My question for this bureau is what do I do from this  point to follow up and interact to provide you with specific details and paperwork showing I should not have been adversely reported against and how to resolve all of this so that I can get settled and not be bullied by PNC and the whale verse small fish tactics??? 
Thank you for your time and efforts. Please, just let me know exactly what you want me to provide and I will get it sent to you promptly. I have paid my bills and expect PNC to reflect my timely payments and credit worthiness. PNC has cost me enough duress and loss of enjoyments ; now my intention is to communicate to PNC that it is their job to be reputable and due diligent toward customer service and especially unscrupulous credit reporting ... ..
Complaint sub-issue: Their investigation did not fix an error on your report

I SUBMITTED DISPUTES OF COMMON ERRORS ON MY CREDIT REPORT SUCH AS THE WRONG AMOUNTS AND DATE OF LAST ACTIVITY ON THE ACCOUNTS. THE CREDIT BUREAUS REFUSE TO SHOW VERIFICATION OF HOW THEY INVESTIGATED THE PROBLEM. ACCORDING TO THE FCRA THEY HAVE NOT COMPLETED A THOROUGH INVESTIGATION. THEY ARE USING AN AUTOMATED SYSTEM. 

I NEED A REASONABLE INVESTIGATION AND PROOF THAT THERE WAS AN INVESTIGATION TO THESE ACCOUNTS THANKS
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, $ XXXX ( XXXX XXXX  ) I was notified by text alert to log into my XXXX account. I reviewed my account to find a collection account that was sold by XXXX XXXX to a third party attorney office By XXXX XXXX. I was not given the rights under the FTC ( Fair debt collection act ) notification of it being sold or who has it but, it was just placed on my credit report been I am receiving Federal Student Loans. I call XXXX on XX/XX/XXXX and was given the number to XXXX XXXX at ph # XXXX. XXXX  didn't want to take the blame for not notifying me so, it was blamed on the company that purchased the debt and it stated that I made a payment ( false and misleading-fabrication ) It also stated I was affected by natural XXXX which, I PAY ALL MY BILLS and HAVE GOOD CREDIT. XXXX XXXX stated they were sending the account back to the agency. I ask them for a name, phone, and address but, XXXX XXXX REFUSED TO GIVE ME THAT INFORMATION. XXXX stated I need to submit once again the police report from orginal filed in XXXX with Anthem breach which XXXX just adding. I was told my XXXX that they dont have the info.. So I AM ATTACHING THE POLICE REPORT of IDENTITY THEFT SO, NO ONE CAN SAY THEY DID NOT GET IT AND REMOVE THIS FROM MY CREDIT.. I HAVE FILED Identity theft with the IRS, the Federal trade Commission and my phone department ...
Complaint sub-issue: Account information incorrect

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, Please investigate these matters and remove the disputed items as soon as possible. 


Inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 2021
Complaint sub-issue: Unexpected increase in interest rate

I paid off a expiring promotional balance transfer on a Citi Simplicity Card and took out another promtional balance transfer. Citi Bank charged me {$120.00} fee for doing so, however, Citi Bank took my payment that was to payoff the expiring balance transfer and paid off the new balance transfer. Then they moved my expiring balance transfer to the standard purchase rate. This practice is unfair and deceptive!
Complaint sub-issue: Information belongs to someone else

Checking over my report and I noticed some accounts that I have been disputing for over 40 days with no written response is still being reported on my credit. I have been filing multiple complaints & disputes against the creditors & your XXXX  plus third parties about going against the law reporting things inaccurate on my credit. Now the time is up I will need this remove immediately or legal actions will be forced.
Complaint sub-issue: Account information incorrect

I had recently resolved an error on my credit report regarding late payments in my account that shouldn't have been in my account. I contacted uheaa/Cornerstone about this issue and they told me they already fixed the error on their end and I would need to get in contact with XXXX, Equifax and XXXX  about this issue. 


Below is the email confirming the changes done to my account to fix the error on the payments..
Complaint sub-issue: Information belongs to someone else

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. It appears that my credit my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX, CITICARDS CBNA XXXX Date Opened : XXXX XXXX, 2006 Balance {$8100.00} If you feel there is a possibility this accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.