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

ASSOCIATED CFPB COMPLAINT NUMBERS : XXXX ; XXXX ; XXXX XX/XX/2021 Re : Letter to Correct/ Add Credit Information To Whom It May Concern : On XX/XX/2021, I filed a formal complaint with your office, as well as the Consumer Financial Protection Bureau ( CFPB ), regarding several issues with my Equifax credit report, and incomplete and inaccurate information reported. On XX/XX/2021, Equifax replied to the CFPB complaint, noting that a response will be mailed. To date, no response has been received by me. I received a copy of my credit report and found the following item ( s ) to be missing from my Equifax credit report : The following information is missing from my credit report. I would like it added to my credit history report, as the creditor has verified their reporting to you, and you are not reporting accurate information : XXXX. XXXX XXXX  Account Number : XXXX 2. XXXX XXXX XXXX XXXX Account Number : XXXX 3. XXXX XXXX XXXX XXXX Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX Account Number : XXXX 6. XXXX Account Number : XXXX 7. XXXX Account Number : XXXX 8. XXXX XXXX Account Number : XXXX 9. XXXX XXXX Account Number : XXXX 10. XXXX XXXX Account Number : XXXX 11. XXXX XXXX Account Number : XXXX 12. XXXX XXXX Account Number : XXXX ( closed account with positive history ) 13. XXXX XXXX Account Number : XXXX ( closed account with positive history ) 14. XXXXXXXX XXXX XXXX Account Number : XXXX 15. XXXX/XXXX  Account Number : XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and added correctly my report. By not accurately reporting my credit standing, Equifax has caused me harm with denial of credit from other lenders. I understand that under federal law, you must complete this reinvestigation within 30 days of receipt of this letter. I am enclosing a copy of my Equifax report that shows this account is missing. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Account status

ATTN : Legal Department I am sending this notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ) as well as FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers - Information Available to Victims 609 ( a1 ) ( e2 ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database XXXX search. Please also notify the source, who reported the item within 5 days after receiving this dispute, and obtain either verbal or hand written verification directly from a person at that. 
Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. 
When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted. 
I will expect you to notify me the results of your investigation within 5 business days from the completion of your investigation. In addition, I will expect you to complete your investigation within 30 days from the date you receive this dispute or the item being disputed will be unverifiable. 
The items that appear on my credit report as : 1. ACCOUNT NAME : XXXX ACC BAL : {$2500.00} This account is duplicate with multiple listing as open error please delete inaccurate. 
2. ACCOUT NAME : XXXX ACC BAL : {$100000.00} This account was charged off listed with wrong balance please delete error 3. ACCOUNT NAME : XXXX ACC. BAL {$1700.00} no proof of contract collection trans error please delete. 
4. ACCOUNT NAME : THE XXXX ACC BAL : {$73.00} I have never done business with this company error please delete.
Complaint sub-issue: Threatened to sue on too old debt

I received notice from a third party agency that they received a file for litigation on a civil suit, from US BANK ( US BANCORP ). 

This was in regards to a bank account I held with US Bank account that was closed due to fees when I was XXXX. The rep gave me the name of a collection company called XXXX XXXX XXXX and said that they were the ones suing from the debt acquired through US Bank. They said I will be expected to appear in court and would have to pay whatever the judge decides. 

They claimed I received numerous notices which I have not and they even called my mother whose information they SHOULD NOT HAVE. 

The bank account was debt was from 2000 when I was XXXX living in Washington. It has been over 15 years. The debt at the time was also under XXXX. I reached out to my attorney who advised that the Statute of limitations is 4 years. I was advised that the notices were probably never sent but they will have records of letters so that the judge rules in their favor. I have learned US Bank has done this before and this is also the second time in five years I have been verbally threatened over this debt.
Complaint sub-issue: Problem using a debit or ATM card

on XX/XX/31 to withdrawal money from an atm at citizens bank it did not give me my money and took my card I had to go inside the bank to retrieve my card I got a paper that said incomplete transaction I filed a dispute that very day with us bank and now 2 times since they wont request the video from the atm owner I did not receive my money I had to sign for my card to get it back from citizens bank they could request that also but they havent done any of that
Complaint sub-issue: Attempted to collect wrong amount

I disputed the collection through XXXX XXXX on my XXXX report. It was for a medical bill, I had no knowledge of this collection as I have paid all my copays and I have insurance. The debt they claimed I owed was {$75.00}. XXXX took it off my credit report after the company did not respond within 30 days of disputing. The company submitted another collection claim on my credit report but lowered the amount by {$3.00} to {$72.00} so it would show up on my report again. By doing so, it is now on my XXXX report for {$72.00} and on my XXXX report twice for {$72.00} and {$75.00}. This company is not following the law and are using fraudulent ways, lowering the amount a few dollar and resubmitting it to my credit report, after it was taken off my report for no response within 30 days.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

PNC is trying to collect an illegal debt. The debt was charged illegally, pnc had admitted this, and then ignored all other attempts and sent false documents to the CFPB. PNC has broken atm machines, and blames customers. PNC is literally stealing money. What are they doing when atms dont accept cash, but the same atm allows cash withdrawals? Why does pnc send fake accounts to collections agencys? Why does PNC submit false documents to the CFPB. Why does pnc not respond to any concerns? 

PNC has sent documents to the CFPB claims this debt has been sent off to collects to CCs. 

As detailed in our response dated XX/XX/2022, the Spend was closed by PNC on XX/XX/2022, with a balance owed of {$69.00}. PNC did not receive payment for this balance and forwarded the account to XXXX for collection. They can be reached at XXXX. 

PNC has STILL collected on this debt that they no longer Owe, and that they sold. It was put into my collections, and I was harassed over the illegal fee. PNC is holding my money captive and refuses to communicate with me over a mutually recorded phone line, or email. It has to be only recorded on their end, and this I do not accept and is, again, illegal in many states. And I have email proof of them denying these communication methods, then theyll the CFPB they could not contact me. 

PNC is blatantly breaking the law, lying to the cfpb, reporting false accounts to collections, collecting money they dont have accounts to, not returning it like a normal bank does, and are stealing customers money It has been over almost three months now. The money should be returned with interest. 

bank reference ID XXXX. 
Total amount {$290.00} Mailing adress is : XXXX XXXX XXXX XXXX, XXXX MD, XXXX.
Complaint sub-issue: Didn't receive notice of right to dispute

As of XXXX/XXXX/17, I received an alert from my credit monitoring services indicating a new account was added to my credit profile. After reviewing, I noticed an account from XXXX XXXX was added. I have received no communication from XXXX XXXX regarding this alleged debt! This company did not follow the debt collection process allowing me to request the appropriate debt validation.
Complaint sub-issue: Account status

This is the second time I am filing a complaint. I have a XXXX School Loan. All my loans were consolidated into one singular loan. I have an automatic payment system set up that automatically withdraws money from my personnel account & applies funds to the account. All the credit companies ( Equifax, XXXX, and XXXX ) are doing two erroneous actions as follows : 1 ) They have charged me with a late payment that was paid on time in XXXX 2013 2 ) Instead of applying this incorrect late payment charge to XXXX account they have applied it to all the subaccounts that were already consolidated ( they even have the same account number )!!!! 
I am being prevented from getting any reasonable loans due to their disparaging reporting. At this point, especially as I have previously complained about their reporting methods in regards to this loan, I would state that these organizations are intentionally taking part in fraudulent & defaming actions, that are causing me great stress and anxiety. 
I would like all of these negative reports expunged from my records & I would like proof that they have taken action to have my XXXX XXXX XXXX XXXX XXXX that has been legally consolidated into XXXX single loan years ago, listed as XXXX loan.
Complaint sub-issue: Fraudulent loan

On XX/XX/2020 I purchased a vehicle at XXXX XXXX in XXXX, Wisconsin and the dealer secured financing from ALLY Financial. I was never provided a title supposedly because Wisconsin requires the title to go to the lien holder. I am a Missouri resident which is a title holding state. To register and license a vehicle in Missouri you must have the title otherwise you can not do anything with the vehicle. I have tried numerous times to reach out to Ally by email and phone to get the title and explained to them that without it I can not even drive the vehicle purchased. They refuse to give me the title. I have sent them information on Missouri regulations for titling a vehicle from the DMV. My local DMV has tried contacting them also. They will not provide the title so I can not drive my new vehicle and am incurring late fees for titling the vehicle. There is no resolution in sight as they will not budge or even respond to my emails now.
Complaint sub-issue: Information is missing that should be on the report

On XX/XX/22 I put in a complaint with CFPB reference number XXXX. I heard back from a representative at PNC who stated that as a one time courtesy they would put my mortgage back on my credit report. This has not happened yet. I would like for PNC to put it back because it was unfairly taken off per my previous complaint.
Complaint sub-issue: Was not notified of investigation status or results

I initially sent letters to XXXX, Equifax, and XXXX on XX/XX/2021 to request some information on my credit report be investigated. I did not receive a response in the 30 days allowed so I sent another letter on XX/XX/2021 with the same request and also advising they have infringed on my rights as a consumer. I have not received a letter in response to any of my investigation requests. Please help me to resolve this matter. Thank You
Complaint sub-issue: Was not notified of investigation status or results

I'm filing this complaint because Equifax has ignored my request to provide me with the documents that their company has filed that were used to verify the accounts I disputed.

They have also gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all information which can't be verified. '' I have disputed. Please resolve this manner as soon as possible. 

Not only is the company reporting wrong information, but the accounts are also in FCRA violations. I've even provided factual proof to the company reporting many accounts. I hope we can solve this as it is hurting my overall credit willingness. 

Thank you
Complaint sub-issue: Problem with rewards from credit card

On XX/XX/XXXX at XXXX EST I called Citi and tried to redeem my " ThankYou '' points for travel. The flight I requested to book was not available. To remedy this, the agent suggested that I book directly with the airline, in my case XXXX, and then could use my ThankYou points to offset the charge. After the agent explained, I clarified that the points could be used at the XXXX cent value advertised in the booking platform. The agent confirmed, and I booked a ticket with XXXX. On XX/XX/XXXX at XXXX EST I called Citi to redeem my miles against my now posted XXXX charge. Citi informed me that this is not possible, and I was misinformed. I asked to speak with someone that could triage this, as I felt as a new customer the agents suggestion should be honored. The agent told me that he sent an email to his managers, and I could expect a call back in 1-2 days. No call back was given. On XXXX at XXXX EST I called into Citi again, this time to tell them I was expecting a call back that never occurred. I was transferred to a manger. The manager told me he would personally follow up on Monday, XXXX XXXX after " looking into the issue. '' No call back was received.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/22 I received 3 credit alerts telling me that Square Capital LLc. ran a HARD credit pull on my personal credit report. I did NOT authorize this and I HAVE NOT applied for any products, loans, credit, or information.
Complaint sub-issue: Debt is not yours

This letter shall sever as the formal and last notice of my intention to file suit against your organization. You are currently reporting two accounts to my credit file in the amounts listed above. This account is a direct result of the 2017 Equifax Data breach, this breach leaked the personal data of over 143 million Americans, the information leaked my name, birth date, address, phone number, social and driver 's license number was compromised and used to open several accounts without my permission, this account is one of them. I requested a full debt validation from your company, I have yet to receive any contact back. Legally you had 30 days to send me the following information listed below ; you have not done so. Please remove this information from my credit file as soon as possible.

I have moved forward with filing a report with the FTC and the CFPB. In four business days I will be filing suit against your company. My lawyer has advised, if this information is not removed from my credit file within four business days I will move forward with the last step to secure documentation and complete legal filing against your company for directly violating the Fair Credit Reporting Act by continuing to report this false and inaccurate information to my credit file. At that time, I will seek for punitive damages, cost for attorneys fees, court cost, as well as compensation for ongoing emotional distress, anxiety, and harassment due to this security breach. Equifax was negligent in allowing my personal information to be compromised, however your company will be held just as responsible for continuing to report this false information to my credit file. I have filed a claim against Equifax, I am waiting on the results of this claim. You may search the following in a browser. XXXX XXXX   XXXX XXXX has failed to provide me with proper debt validation for the following incorrect accounts that they have listed on my credit file. 

1. XXXX {$260.00} 2.XXXX XXXX XXXX XXXX 3.XXXX  ( XXXX ) {$300.00} 4.XXXX 5.XXXX XXXX 6.XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX IL XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3800.00}
Complaint sub-issue: Problem using a debit or ATM card

I went to the bank on XX/XX/2019 at approximately XXXX-XXXX to deposit {$100.00} cash into my account the money acted as if it was getting counted when I inserted it in the machine. It stopped gave me an error message saying to contact my financial institution, didnt give me my money back or any kind of receipt back. I have XXXX XXXX XXXX and I need that medication badly in all out and that was my last {$100.00}. I have PNC Smart Access and fret have been no help
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

My credit limit was dropped way down when my identity theft redulted in a fraudulent account appearing on credit report. 
All 3 credit reporting agencies have removed that from my report at the request of the XXXXXXXX XXXX who issued the fraudulent card. 
The Mastercard will not increade my credit limit even now. I called a few days ago. 
How long does it take them get credit report. My limit was dropped to {$250.00}. 
The company keeps telling me I need to use card more often but with limit that low I can not. 
I always pay my bills in full and have a credit score now in excellent range.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm distressed. Sent investigation on XX/XX/XXXX - XX/XX/XXXX to the Credit Bureaus. 
There's been little to no sign of investigation on any of the accounts questioned and no information has been sent from the bureaus or collection agencies. My credit report hasn't been updated to show accounts have been processed and disputed. 
Accounts false and unknown. The companies have not reached out as well. 

Moreover, the bureaus have been deleting accounts that weren't questioned and reporting open and positive. Why would the Credit Bureaus delete open accounts. There was a XXXX removed from XXXX   and Equifax and added back without my knowledge and it's my understanding I should've been notified ( Account Number : XXXX )
Complaint sub-issue: Account status incorrect

The credit bureaus are reporting a late payment on XX/XX/2022 which is inconsistent with the other credit bureaus.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and Equifax ran an unauthorized credit inquiry on me on XX/XX/XXXX.
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX and investigate such occurrence.
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly as well as the sign agreement for the inquiry.
If you have any questions or need additional information, please contact me at address listed below.
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Social Security # XXXX
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX  XXXX  XXXX  XXXX, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

During rst week of XX/XX/2022, I was planning to take advantage of the current automotive market condition and sell or trade in my vehicle to purchase a new XXXX  vehicle. I called my banks and credit unions to see what the current rates are and to get information of obtaining a pre-approval. I was told that my rates would me higher due to my credit XXXX. I pulled my credit les from XXXX, XXXX, and Equifax and found that someone has been using my identity to obtain credit from several creditors. These creditors include the US Department of Education ( {$110000.00} for was looks like student loans ), XXXX XXXX XXXX  ( {$20000.00} ), XXXX XXXX XXXX ( {$21000.00} ), XXXX XXXX XXXX XXXX ( {$30000.00} ), XXXX XXXX XXXX ( {$5200.00} ), and XXXX XXXX and XXXX XXXX ( {$490.00} ). Also within my credit les, I found furnished information ( names, addresses, phone numbers ) that do not belong to me.