Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

XXXX. XXXX Account Number : XXXX Bal : {$0.00} 2. XXXX Account Number : XXXX Bal : {$0.00}
Complaint sub-issue: Was not notified of investigation status or results

I have sent letters to each XXXX, XXXX, and Equifax on multiple different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/2021 and XX/XX/2021. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 90 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
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. 

, Account name : XXXX XXXX - XXXX Bank Account : XXXX, Account name : XXXX XXXX XXXX Account : 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: Reporting company used your report improperly

XXXX XXXX say that I was per approved for different credit cards but I was turn down for every application.
Complaint sub-issue: Their investigation did not fix an error on your report

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately
Complaint sub-issue: Contacted me after I asked not to

This collector comes to my home at night during the week and early weekend mornings in addition to random afternoons. They bang on my door and speaks threateningly to my family. They have been asked to not come back, yet they do repeatedly. I have it on video this person coming to my home near XXXX and banging aggressively on my door and ringing my door bell, awaking my and scaring my young children. This person peeks in through my windows and parks his car in front of my house waiting for me to come outside. This person has been instructed to not come back to my home, yet they do repeatedly, often before XXXX on the weekends and after XXXX during the week. I am scared now for my son to walk home from school because the threatening tactics being used. I have submitted a Cease & Desist letter to this company.
Complaint sub-issue: Information is missing that should be on the report

We had a Mortgage starting in XXXX with US Bank Home Mortgage. In XXXX we filed bankruptcy at that time we re-affirmed the Mortgage. In XXXX of XXXX we refinanced our Mortgage for a lower interest rate with our credit union. At that time we found out that US Bank had not reported our Mortgage to the credit bureau 's since the bankruptcy ( for 10 years ) I had a 3-way call with a XXXX  Agent and a agent with US Bank named XXXX in XX/XX/XXXX. During that call US Bank told XXXX   that we had payed every payment on time every month for the last 10 yrs and there we no late payments during that time. US Bank said I had to have asked them to start reporting to the Credit Bureau when the loan was reaffirmed and asked if I wanted that now. I said yes. Its still not reported. I have spent hours on the phone with person after person at US Bank and they always send me to another person and I get a different reason why they can not help me. They keep telling me to dispute with with the Credit Bureau. XXXX  said I can not file a complaint on something that is NOT on my report and that I need to get it resolved with US Bank. I want my husband and I 's Mortgage to show on our credit report even though it is now closed since we refinanced. I want it on our Credit Report like it is for all our other loans/credit credit cards that are closed saying we paid as agreed since XXXX. I am attaching the part of my Bankruptcy where I re-affirmed the Mortgage in my bankruptcy in XXXX. Also attaching the document from XXXX  saying they confirmed with USBank that we paid our mortgage on time for the last 99 months with no late payments. Also attaching the dispute outcome from XXXX, I could only file the dispute under the bankruptcy since my mortgage is not on my credit report. After getting the outcome I called XXXX  and that is when they told me I can NOT dispute something ( the mortgage ) that is not on my credit report.
Complaint sub-issue: Debt was result of identity theft

I attempted to resolve the issue with Ally multiple times with no success I've sent in multiple affidavits that they have yet to respond to I have also extended a grace period in hopes that they would remedy the situation civilly but they did not Im sending in my final notice in hopes that they ( ALLY ) follow the law and do the right thing here in the attachments are the labled exhibits and all of the laws that they have violated as well as the unrebutted affidavits.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX XXXX {$3100.00} XXXX  XXXX {$5700.00} XXXX XXXX XXXX {$150.00} XXXX XXXX {$700.00} XXXX  XXXX {$3100.00} XXXX XXXX {$820.00} XXXX XXXX {$5700.00} XXXX XXXX {$220.00} XXXX   XXXX {$820.00} XXXX  XXXX {$260.00} XXXX  XXXX {$670.00} XXXX  XXXX   XXXX {$1400.00} XXXX XXXX XXXX XXXX {$100.00} XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX {$45.00} XXXX XXXX   XXXX {$25000.00} XXXX XXXX   XXXX {$610.00} XXXX   XXXX {$7700.00}
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX Balance Owed XXXX $ XXXX XXXXXXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXXXXXX Balance Owed : {$270.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} EQUIFAX : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXXXXXX Balance Owed : {$270.00} XXXX : XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1800.00} XXXX XXXX XXXXXXXX Balance Owed : {$1900.00} XXXX XXXXXXXX Balance Owed : {$270.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX CO XXXX Account # 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
Complaint sub-issue: Their investigation did not fix an error on your report

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

I attended XXXX XXXX University in XX/XX/XXXX. My loan was for XX/XX/XXXX/XX/XX/XXXX I never attended XXXX XXXX in XX/XX/XXXX I was enrolled but never attended so I dropped the classes but the university still received my financial aid money. I was not a student there in XX/XX/XXXX. Which means I should not owe this company the funds they say I owe them. Then with further investigation this company has not truthfully reported the correct date of my first delinquency to them. They say the last payment I made was in XX/XX/XXXX which is false. They are reporting the wrong dates the credit bureaus and this account is past the time of the 7 years reporting period. The dates and payment times are incorrect and the financial aid money that I never used should have been returned to this lender, I am responsible for paying for services that were never rendered. Where did this money go? I never received a disbursement from this school but on my loan it stated that i received one.
Complaint sub-issue: Information belongs to someone else

This account is illegally being reported on my credit report. On dates, XX/XX/19 and XX/XX/19, I formally disputed it directly with EQUIFAX in regards to their illegal reporting, and their response was VERIFIED. 
On date, XX/XX/19, not only did I reach out the company directly with a letter after EQUIFAX supposedly verified the account, in getting this issue resolved. I sent along with my Police Report and an affidavit but the address EQUIFAX has listed on my credit file for this company came back UNDELIVERABLE from the United States Postal Service. I presented the documentation to EQUIFAX and they still havent removed the fraudulent account. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!
Complaint sub-issue: Reporting company used your report improperly

At present I am bothered! I have attempted to be patient however it is hard to be patient when you feel that you are continually being overlooked by somebody. I think you fail to remember that I am the purchaser concurring! " 15 U.S. Code 1681 - Congressional discoveries and mission statement ( a ) Accuracy and decency of credit announcing ( 1 ) The financial framework is reliant upon reasonable and precise credit revealing. Wrong credit reports straightforwardly weaken the proficiency of the financial framework, and outlandish credit announcing techniques subvert the public certainty which is crucial for the kept working of the banking system. ( 3 ) Consumer detailing offices have expected an imperative part in collecting and assessing shopper credit and other data on customers. The financial framework is subject to the reasonable and exactness detailing of purchaser offices. At the point when you neglect to take care of your work in addition to the fact that it hurts me it influences the financial framework. The financial framework brings in cash by loaning to shoppers like me. I have connected a few times grumbling about the wrong things on my customer report. Well I am complete the process of whining. I request you eliminate these incorrect things or I will look for prosecution for the entirety of the infringement and for the torment you all have caused me by destroying my standing by announcing mistaken things.
Complaint sub-issue: Their investigation did not fix an error on your report

What happened? 
XX/XX/2021, I filed a complaint with the CFPB that 2 years ago Equifax dropped my credit from XXXX which corresponded with Equifax XXXX losing '' several active lines that the other two major credit companies ( XXXX and XXXX XXXX have a record of. Equifax responded to CFPB complaint on XX/XX/2021 Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. '' CFPB XX/XX/2021 closed my complaint with Equifax " status-company responded on XX/XX/2021. '' To my knowledge, Equifax has done nothing to correct Equifaxs " thin file '' credit line deficiencies. 
I have sent several certified letters over the past 1 1/2 years to try to have Equifax correct their " thin file ' i.e. listing only two active sources of credit and ignoring the multiple other satisfactory credit lines maintained by me that the other two major credit companies ( XXXX and XXXX ) have a record of. I can find no way to resolve this issue with Equifax. I have sent Equifax copies of my active mortgage which they ignore. I have sent Equifax other credit files which Equifax ignores. My suspicion is I am talking to a computer and all responses regarding my situation is computer-generated with pre-canned responses.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I would like assistance with a dispute of charges that I filed on XX/XX/XXXX due to fraudulent charges on my credit card. The charges accrued on XX/XX/XXXX at XXXX 'XXXX  XXXX XXXX  XXXX in XXXX KY {$130.00}, {$97.00}, {$77.00}, and {$65.00} for a total of {$370.00} all at this same restaurant. I have called Citi several times to try to get updated information for the dispute. The charges are still on my balance with no refund. My last call was made today due to needing advice. I want to close my card because of how this has been handled and I was told that I could leave the balance that is being disputed and I would not be charged a late fee, or reported to the credit reporting agencies as late by Citi, which is fine, but I would like a letter in writing stating this. No one can provide it nor can anyone give me a update.
Complaint sub-issue: Account status incorrect

Trying to remove all comment on credit reports/from credit reporting agencies showing items in dispute. 
1. Please remove all dispute comments on all accounts! 
2. Please remove all late fees and show XXXX balance due XXXX student loan XXXX and student loan XXXX. 
3. Please close XXXX XXXX account and remove all dispute comments! Show XXXX balance due!
Complaint sub-issue: Their investigation did not fix an error on your report

I have been working on my credit report every year. Each year I have had fraudulent activities and I have been submitting a police report, highlighting the items that do not belong to me, requesting all personal identifiers, addresses, and company information that does not belong to me be removed. I have made all of the necessary changes in that each credit bureau gets the proof of what they need. I dispute the items, the items are removed, and a debt collector purchases " my so-called debt '' and it is again put back on my credit report. I have called each agency including XXXX about suppressing my information and without my written consent should not allow these data furnishers to add information or not to provide incorrect information to my credit report. XXXX, Equifax, XXXX, and XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I submitted a complaint here bc I had been working to have Equifax, XXXX and XXXX  correct a few errors on my credit report for over a year. None of the bureaus sent the requested proof from the investigation that they claimed to have done. The accounts was removed from my account on XX/XX/XXXX. However, this same account ( XXXX XXXX XXXX ) has reappeared on my credit report as of XX/XX/XXXX. XXXX  has this account reported twice on my credit : one in the amount of {$210.00} and another one that shows {$130.00}. XXXX and Equifax have this account in the amount of {$130.00} as a collections account. 

As stated in my initial complaint on XX/XX/XXXX, I do NOT owe any collections to XXXX XXXX XXXX. I am still an XXXX XXXX XXXX customer and have been for over 11 years. 

I have contacted all three bureaus asking for the same proof of these collections accounts and I've yet to receive it. These bureaus are allowing bogus collection companies to put erroneous information back onto my credit profile AFTER it's been established that it is not a valid debt that I owe.
Complaint sub-issue: Was not notified of investigation status or results

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been dealing w/Equifax,  XXXX  and  XXXX  for the last six months regarding four accounts that are presently on my credit report. I have provided information to Equifax which advises me that they obtain their information from a third party agency. I obtained the third party division that that Equifax,  XXXX  and   XXXX   advised and they are stating that if I provided proof that the accounts did not belong to me they would remove these items. I received documentation from the company in  XXXX  that all items had been removed. however Equifax.  XXXX ,  XXXX  continues to say they are still verifying thru this company which is a incorrect and untrue!!! The first acct was disputed on   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  , the amt of the claim is for {$560.00}. the second item where disputed the same months as the previous and the amt of the claim is for {$540.00}. the last claim is for the same dispute dates and the claim amt is for {$1200.00}. the last claim I have been disputing since   XXXX   XXXX   however there is no dollar amt attached.
Complaint sub-issue: Deposits and withdrawals

I opened a Joint PNC High Yield Savings account ( currently advertising 4 % APY ) on XX/XX/2022. Upon account opening, I tried to fund the High Yield Savings account via ACH from my third-party ( personal ) checking account. However, the PNC account appears to limit deposit amounts if greater than {$10000.00} in any one month. I had planned on depositing greater than {$150000.00} into the savings account, but was not able to do so. I called customer service on XX/XX/2022 to discuss this issue, and was told that they had received similar complaints, in that large deposits were not allowed. The customer service rep let me know that their back-office department may choose to raise the deposit threshold on a case-by-case basis. The rep stated that as a work-around, the account could be funded by wire, but that would result in potential wire fees. As of XX/XX/2022, I have not funded the savings account, and may not due to this limitation. This appears to be a UDAAP violation, as this monthly deposit limitation does not appear to be disclosed in any account opening agreements or other disclosures, or listed within any footnotes or other areas of the entities ' website or certain other areas. Overall, it appears that PNC is currently advertising a high yield savings ( significantly higher than other large firms ), in order to increase their customer base and " upsell '' to other products/services after the high yield savings account is opened.
Complaint sub-issue: Reporting company used your report improperly

I XXXX XXXX a consumer in fact a natural person was reviewing my consumer report on XX/XX/2021. I noticed that Equifax and other consumer reporting agencies are participating in fraudulent credit reporting activities by reporting inaccurate and unverified information to my consumer report without my XXXX XXXX written consent which is a violation of 15 usc 1681b. Also Equifax and other consumer reporting agencies have breached my individual privacy which is a violation of 15 usc 1681a ( 4 ).
Complaint sub-issue: Account status incorrect

I have several times disputed an account that i noticed at the start of XXXX, when i first began to check my credit report. There was an unknown collections from a company called XXXX that had a medical bill from XXXX I had no knowledge of a collection or even a bill, so I disputed it with all 3 credit bureaus. They would not remove it. Finally I was able to find the original creditor and contacted them. Apparently they made a mistake in billing department when the bill was sent to insurance which caused them to deny it, I was then never notified of any bill nor sent an actual bill, instead it went to collections and remained on my credit report since XXXX. I have been sent a letter from XXXX ( collection agency ) that the account and collection has been closed. I would greatly appreciate if you could assist me in having XXXX, equifax, and XXXX remove this from my report as soon as possible.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

XXXX XXXX RE : Account number ending in XXXX Adverse action Discover card is in violation of ECOA ( equal credit opportunity act ) and Regulation B which require creditors to provide statements of specific reason as to why adverse action was taken against me ( consumer ). Discover for no reason decreased my credit line from {$1000.00} to {$6500.00} never gave me a written notice or explanation which they are required by law as to why this adverse action was taken, I have never miss or made a late payment to my account with discover. 

According to the CFPB In addition, ECOA provides that a creditor must provide a statement of specific reasons in writing to applicants against whom adverse action is taken. Adverse action include denying an application for credit, terminating an existing credit account, making unfavorable changes to the terms of an existing account, and refusing to increase a credit limit. 
According to the statement above per the CFPB Discover hasnt provided me with a statement of specific or showing why adverse action was taken against me which made Discover civilly liable to me under 15 USC 1691e ( b ) because Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection ( a )