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

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Deposits and withdrawals

The bank clerk refused my withdrawal request ( last 5 minutes before they close ). 

We believe we experienced discrimination at this location while the cashier clerk pretended to be soft but actually tried to make it difficult ( e.g. asking for passport while i provided my US driver 's license already ). She kept the argument rising using her discrimination attitude and finally she could find a reason to refuse service in the last 5 minutes before they close. So in the end we just couldn't have a simple withdrawal. 

I have been a PNC customer for over 10 years. 

PNC Bank XXXX XXXX XXXX, XXXX XXXX, NJ XXXX
Complaint sub-issue: Debt is not yours

Hello, My name is XXXX XXXX and I am seeking legal advice on a fraudulent activity from BBVA. The company BBVA repossessed my car on XX/XX/2020 without a letter of notice. Before this took place, I spoke with a BBVA representative on XX/XX/XXXX and they told me I was behind {$1200.00} for car payment. I sent them a check in the amount of {$920.00} and a money order for {$300.00} on XX/XX/XXXX. I was under the assumption that everything was fine as I never received any notification that an order was sent out for repossession on my vehicle. Then, to my surprise they took the car on XX/XX/XXXX. When I called them they stated that the check I gave them was lost and never received. They reported on my credit report that my outstanding balance was XXXX and they sold the company to someone else. Now, today XX/XX/XXXX, I checked my bank account and it is over drafted {$920.00} from the check that they stated was lost and never received. I need to dispute this fraud immediately. An investigation claim needs to be opened on this company. I need the check amount placed back into my bank account. I called them today to find out why they did that and they replied saying they had the check and money order and had applied it to my account. I told them that I no longer have an account with them as my balance was reported XXXX. Please advise on how I can take legal action. THANK YOU! 

Regards, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 
XXXX, FL XXXX ( XXXX ) XXXX XXXX Fraudulent Company : BBVA XXXX
Complaint sub-issue: Problem making or receiving payments

Our company is applying for a DCID loan.

One of the steps is linking the bank ( PNC ) to the loan using the XXXX app. 
The linking fails, and the loan application is stalled at that point.
Complaint sub-issue: Information belongs to someone else

XXXX won't remove or Give me method of verification on how they verified the accounts I'm disputing with them as they are only using XXXX  not actually providing me documents on what documents were used to verify they accounts if they can't provide me documents this must be deleted 2 XXXX accounts and total card they can't verify something that they are reporting without proof same with equifax they have a XXXX card reporting on my report they just provide me proof paper work not just papers saying the accounts has been verified I sent them certified letters asking them for my documents as it is my right as a customer to see how they are verifying these fraudlant accounts
Complaint sub-issue: Debt is not yours

I HAVE BEEN GOING BACK FORTH WITH THIS EQUIFAX, XXXX, AND XXXX XXXX. THEY HAVE NOT GIVEN ANT VERIIFACTION. I SPOKE WITH THEM ON THE ON THE PHONE TODAY. THEY HAVE MADE AN ERROR AND WAS NOT GON NA CORRECT IT. IF I WOULD HAVE NOT SAID ANYTHING.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a DUPLICATE report and this is not filed by a XXXX XXXX. 

The Credit Bureaus stated that my account was properly investigated but how is that possible when the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate? This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( a ) ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 USC 1681 Section 603 ( XXXX ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681b ( a ) ( XXXX ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

15 USC 1681i. ( XXXX ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hello, Please see info below regarding the dispute and info i have sent to Citi bank dispute department. But they are saying I need to get in writing from the second dealer who fixed the issue that what the first dealer did was incomplete or wrong. I checked with the second dealer and they said, we have given you all the info you need for this case. It is very logical to understand as our receipt date is after the first, the issue is the same ( meaning it was not resolved by the first dealer ), the parts replaced were different, and what was replaced by first did not resolve the issue. 

Here is the chronology of what happened. 
1. On XX/XX/XXXX, I took my daughters XXXX XXXX XXXX car that showed 'Check Engine Light ' indicator to my nearest XXXX XXXX XXXX. 
2. They ran the tests and told me PCV valve needs to be replaced. I authorized the repair 3. When i got the car back, as they drove it to me, they told me oh the engine light came back on so we need to inspect this further. At this point i had already paid ( {$400.00} ) and was ready to receive the vehicle. They told me to bring the car back in next day for re-inspection. 
4. My daughter took the car in next day ( XX/XX/XXXX ) and on the phone the service adviser ( XXXX XXXXn ) told me that another part needs to be replaced and it will cost me another {$300.00}. I talked with her extensively that how will i know if the first part that was replaced was even necessary when it didn't fix the issue. She said unfortunately this is how it goes and nothing can be done. I asked her about warranty and she said none of these parts are under warranty. At this point i had very low confidence in this dealership and i wanted to take to another dealership. 
5. On XX/XX/XXXX, the car was taken to XXXX XXXX. They inspected the vehicle and said, there is a service advisory on this engine light issue and it will be fixed free of cost. 

I am attaching the receipt and details form XXXX XXXX who fixed the issue for me. 
If you check the service Bulletin, replace PCV valve was only for models XX/XX/XXXX and XX/XX/XXXX. My car is a XX/XX/XXXXmodel and the action suggestion for that is to clean the throttle valve and chamber. 
This proves that wrong part was replaced for my car for which i was charged the {$400.00}. They were trying to get another {$300.00} out of me to replace another part where as XXXX XXXX dealer did all the work free of charge cause it was a known issue with these models. 

The dealer is not willing to work with me on this as i have tried on XX/XX/XXXX. I am relying on Citibank to help me dispute this charge. I have attached all the documents to support my case. 

1. Receipt from XXXX XXXX 2. Service Bulletin
Complaint sub-issue: Their investigation did not fix an error on your report

After the death of the primary account holder I as the cosigner was notified that I had to pay the monthly payments of the student loans. I notified the loan holder that the individual that passed away had life insurance and that that would pay off the remaining balance of the student loans. This took time as the life insurance process took place and until the remaining balance was paid I was harrassed and marked as 120 days late in my credit report damaging my credit score and preventing me to qualify for a mortgage. please see attachment.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance.

I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Complaint sub-issue: Received bad information about your loan

After XXXX failed attempts to rectify my issues with Mohela, I am completely frustrated. My consolidation was sent on XX/XX/XXXX. I recieved information that it would've processed timely. Yet they processed it in XXXX as well as my payments are sitting in XXXX. No updates have been given after calls by myself to check status but the same rhetorical statements. 
Due to the due date of the waiver, this has placed me in a horrible situation that I would like to be rectified. Mohela calls range from ( XXXXXXXX XXXX hold times ) with no resolution.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2018. I filed a fraud claim with citibank for the amount of {$310.00}. I was told i would receive a provisional credit within 10 days. I never received it. On XX/XX/XXXX they told me that my claim was approved and i needed to wait an additional 10 days for my credit appear. Today is XX/XX/2018 and i still have not received my credit.
Complaint sub-issue: Account information incorrect

I settle my account Credit card Account with XXXX  XXXX. XXXX  XXXX sent me a letter stating that the account has been settled and no longer action will be taken. All credit companies were notified all credit companies removed The credit card account, but one refused to take it off after sending Equifax a copy of the XXXX  XXXX letter stating it had been settled and the Account is closed. They refused to take the account off stating it was up to there discretion went to take it off. Ive sent several letters and also contacted them by phone and theyre still refusing to remove it. This has been several months that this is been going on.
Complaint sub-issue: Personal information incorrect

On XX/XX/2017 I sent a letter to XXXX requesting that they update my personal information as they had listed incorrect names and addresses for me. I asked them to delete these names/name variations and addresses as my name and addresses, as reported on my social security card and driver 's license was the name and address that should have been listed on my credit reports. 

As a result of my request, XXXX informed me that they would not remove these names and they still remain on my report to this date.
Complaint sub-issue: Account status incorrect

Macys/DSNB # XXXX is reporting a charge off to my credit that is past the Statute of Limitations in Nevada. I no longer legally owe this debt and it needs to be taken off of my credit report.
Complaint sub-issue: Information belongs to someone else

have accounts on my credit report that i have filed a police report for gave you the report number nothing was done. gave you identity theft affidavit signed by the deputy, but nothing was done. I told you someone made a fake id, and my information was stolen while i was in jail nothing was done. Next, I'm going to file a lawsuit against you for failure to do proper investigation to see I'm telling truth if it's it not permanently deleted off my report immediately. THE CASE NUMBER is XXXX with the XXXX XXXX XXXX XXXX XXXX THEIR NUMBER IS XXXX. THE ACCOUNTS ARE ( XXXX ON XXXX CREDIT LIMIT IS {$600.00} ) ( XXXX XXXX XXXX XXXX OPENED XXXX XXXX CREDIT LIMIT IS {$5000.00} ) ( XXXXXXXX XXXX-OPENED ON XXXX CREDIT LIMIT IS {$500.00} ) XXXX XXXXOPENED ON XXXX CREDIT LIMIT IS {$5000.00} ) along with all the inquiries AND IM DEMANDING OF A VERY DETAILED DESCRIPTION OF YOUR REINVESTIGATION PROCEDURE BECAUSE I HAVE PROVIDED ACCURATE PROOF OF THE FRAUD AND YOU SAY THAT IT IS VERIFIED BUT IT ISN'T CAUSE I HAVE NOT SEEN ANY PROFF HOW ITS VERIFIED SO PLEASE TELL ME HOW EHATS YOUR REINVESTIGATION PROCEDURE AND I WANT YOU TO REINVESTIGATE THESE ACCOUNT
Complaint sub-issue: Problem using a debit or ATM card

My card was used to withdrawal funds without my authorization.
Complaint sub-issue: Problem with fees

XXXX XXXX claims my wife XXXX made a {$60.00} clothing purchase on XX/XX/2018. We have no physical credit card but have had XXXX XXXX credit for nearly two decades. No statements were mailed to us prior to the first week of XX/XX/2018 after I called XXXX XXXX collection department and demanded explanation and a statement. It is worth noting that XXXX search uncovers numerous similar complaints as mine here. This is like a loan shark deal. My wife and I have the highest rated credit and never had issue shopping at XXXX XXXX for over 40 years! The only notification we had of this charge and outstanding bill were the sudden harassing robocalls we received the last couple weeks of XX/XX/XXXX. XXXX XXXX has taken this {$60.00} clothing charge and ballooned it to {$210.00}! They charge {$38.00} plus nearly 20 % interest ( nothing we ever agreed to or were aware of ) or monthly 2/3 the amount of this purchase. XXXX XXXX charges us double the item purchase in a three month period. This is usury and they have only threatened to increase these charges should we decide not to pay up, thus strong arming senior citizens. Calls to their collection department and attempts to be reasonable have failed. XXXX XXXX talks customers out of using their major credit cards to purposely bilk ridiculous monthly late fees and charge interest several times any going rate.
Complaint sub-issue: Information belongs to someone else

There is inquiries and accounts that are not violation of 15 USC 1681 XXXX XXXX XXXX and 15 USC 1681 XXXX XXXX XXXX I never instructed them to furnish my reports. I am demanding right now deletions of all violations and inaccurate information off my report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

ALL OF THE FOLLOWING INQUIRIES WERE DONE WITHOUT MY KNOWLEDGE AND FRAUDULENTLY BY VIOLATING MY RIGHTS IN ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT.

THEY HAVE ALL VIOLATED MY RIGHTS INQUIRER NAME AND DATE 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 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 information, other than records of convictions of crimes which antedates the report by more than seven years.

1 5 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 have reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize any and all of the listed credit inquiries below, I respectfully ask for all of them to be Deleted from all three of credit reporting agencies. 
XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax
Complaint sub-issue: Public record information inaccurate

On XXXX XXXX, 2017 I filed a complaint against the credit bureaus concerning 2 public records on my credit file. The information is inaccurate and I request it to be verified but they were unable to and remove them, however they show back up on my credit report the following week which hurts my FICO score even more. These public records can not be verified and I request they be removed immediately. Under new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. The Credit Bureau has not udated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Complaint sub-issue: Problem getting your free annual credit report

Tuesday XX/XX/2019 Two weeks ago I filed an application to obtain my free annual credit report from the three credit reporting bureaus and included my driver 's license, social security card, banking statement, and insurance statement. I received a letter from XXXX on XX/XX/2019 instructing me to file these same documents again and that I could use the online filing method at XXXX, which I did. They asked for verification documents and the Report # which was on the letter they sent me. After logging in and trying to view my credit report, when I pulled it up it is just a blank page. When I went back to XXXX and tried to view my free credit report request from XXXX  it said I already received my report which is not true. I have just recently been released from federal prison after serving 10 years and am finding out that loans, school loans, home equity loans and more have been done in my name during my XXXX   and am trying to obtain my credit report because that is the first step in figuring out what I will need to do to make sure my credit report is accurate. These credit bureau websites are not helpful, nor when I call the numbers will they let me speak to a live human being to explainmy situation.