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

I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent back in XXXX and XXXX, I asked the following creditors to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. You stated it was verified. How is it possible that XXXX, Equifax, and XXXX  all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. XXXX  failed to send me any correspondence at all after numerous requests. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. As you may be aware, " Estoppel by Silence '' legally means that the credit bureaus and the listed creditors had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense since I have a track record of you not sending documents back to me. Please forward me an updated credit report after you have completed your deletions and corrections of the following accounts from Equifax, XXXX, and XXXX. 

XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX   XXXX XXXX  - XXXXXXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am sending an affidavit because I saw my credit report and there is so much inaccurate info on there. I am a victim of identity thieft. Someone stole my information and opened up accounts under my name. These fraud accounts are holding my credit score down. please investigate and remove these fraud accounts from my credit report.
Complaint sub-issue: Unable to open an account

Hello, I opened the Citibank Priority account on XX/XX/2023, seeing the earn up to {$2000.00} bonus offer ( attached ). My account was opened, and I received the debit card in mail. A few days later, there was a hold on my account and upon calling I was told that the account would be closed, and you will receive a letter in the mail. I received the letter in the mail ( File number XXXX ) and the only reason mentioned in the letter is unable to verify information. I called Citibanks fraud department, and I was told that XXXX has specified that my Social Security number is not issued. This is a very bizarre reason, because I have XXXX profile, I receive their credit report every month, I have few credit cards, a current mortgage with XXXXXXXX XXXX  etc ( credit report attached ). I tried to convey the same to the Citis representative over the phone, but she had no other reason or explanation.
Complaint sub-issue: Debt is not mine

My mother died XX/XX/XXXX. 
Her house still had a mortgage. 

My brother is executor and lives in the house. 
He has been trying to get a mortgage from PNC in his own name, but PNC is stringing him along with lies and false promises. 
He was paying the mortgage, but defaulted in XX/XX/XXXX. 

PNC bank has filed foreclosure suit against him, me, my son, and my nephew for the debt. 

My son, nephew and I have nothing to do with it. 
It is not our mortgage. 
It is not our house. 
It is not our debt. 
It is not our responsibility. 
It should n't be our problem. 

We have relinquished all claim to the house, in writing, XXXX TIMES. 
PNC Bank and XXXX XXXX XXXX, PC, repeatedly state that they are a collection agency and these are attempts to collect debts. 

Despite our request to do so, PNC and XXXX have failed to provide us with a single document indicating our responsibility for this debt. 

They refuse to remove our names from the foreclosure action, even though they have admitted on the telephone that they know we do n't owe the money, they continue to state in writing that they are trying to collect payment. 

The foreclosure suit has been stayed pending my brother 's completion of the court 's " Save Your Home Program ''. 

PNC 's and XXXX 's claims that I, my son, and my nephew have defaulted on this mortgage constitute LIBEL.
Complaint sub-issue: Information belongs to someone else

It appears that my credit/my file/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 605b 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 these files. XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXXXXXX 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 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 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 If you feel there is a possibility these 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 XXXX 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.
Complaint sub-issue: Information belongs to someone else

The loan is a US DEPARTMENT OF EDUCATION LOAN FOR THE AMOUNT OF XXXX $ However it was opened XXXX XXXX which was a education loan. However I have tried disputing this loan and asking for a deletion of this account because I was not EVER in a college during this year. Somehow someone has gained access to my information and applied for a education loan in my name. I have not had any feedback about this account. This account is still opened and it is showing on my credit report. It has damage my credit report heavily. 

Im asking you guys do a thorough check and have this creditor remove this item please.
Complaint sub-issue: Threatened to sue you for very old debt

There are two judgments against me. Both debts are old.

1 ) Date of Judgment : XX/XX/XXXX Amount of Judgment : {$11000.00} Current Balance : {$15000.00} I was out of the country from XXXX until XX/XX/XXXX. By the time I got the letter for the offer of final payment for {$4800.00}, it was too late. I called the law firm that sent me the letter that this bill is more than 8 years old. They said I was obligated to make payments. 

2 ) Date of Judgment : XX/XX/XXXX Amount of Judgment : {$30000.00} For Judgement # 2, Citibank cleared out my checking account back in XX/XX/XXXX. I wasn't aware of the judgment against my bank account until I got a phone call from the law firm XXXX XXXX XXXX. They wiped out the money I saved for my rent and car payment. At that time I had just moved to XXXX, Ca to move my mom in with me and have been supporting her because she's not working due to her poor health. 

In XXXX my mom went into retirement due too her health, I lost my job in XXXX due to the recession and since then it was challenging to find work. At the time we all lived in XXXX XXXX. In XXXX we were out of the country and in XXXX we moved because we couldn't maintain the rent, with only me working and mom only getting XXXX income. I moved to XXXX. Then in XXXX I moved to XXXX. I just learned about these judgments as of XX/XX/XXXX becuause my checking account was emptied out by Citibank. 

I am still the head of the household and am still supporting my mom. I can not afford to pay these judgments. Is it past the statute of limitations for them to try to collect debt?
Complaint sub-issue: Problem with rewards from credit card

I signed up for a new XXXX XXXX XXXX at the recommendation of the person in the bank branch. They told me about the great bonus rewards being offered if I spent at least {$7500.00} on the card in the first three months. Ive banked at Citi for many years and the branch is very familiar with me so I assumed they were telling me the truth. He told me the bonus more than offset the high annual fee. I signed up and spent the money on the card. When the bonus didnt show up in my account I called and was told I wasnt eligible because another card I had opened five years prior earned the same type of points, even though the card was discontinued and I dont have it anymore. So even though I paid the annual fee and spent the money on the card they wont give me the XXXX Citi points.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Under 15 usc 1681. XXXX  account # XXXX has violated my rights
Complaint sub-issue: Was not notified of investigation status or results

I have been disputing with equifax for months now and have sent in requested information for incorrect items on my credit report they have yet to verify the accounts and send me proof of verification for XXXX, XXXX, and XXXX XXXX. I need to have these incorrect items removed from my account and I am willing to take further actions. Everytime I write equifax they send the same generic response.
Complaint sub-issue: Problem with fees

On XX/XX/XXXX, I made a {$240.00} payment to First Progress MC for a " secured '' credit card. It was a {$200.00} deposit into the account and the {$49.00} membership fee. I made one purchase with this card on XX/XX/XXXX and paid the balance in full the next day. The company only takes Bill Pay so I setup a bill payment account with my bank account at that time and made the payment. It took 21 days ( 3 weeks ) for the payment to post to my credit card account. I decided then that I would not use the card anymore because the payment takes too long to post. So, I put the card up and did not use it. I knew, however, that the {$49.00} annual fee would be due soon, but I was not worried about it because I was expecting to get the statement in the mail. Today, XX/XX/XXXX, I received a First Progress statement in the mail. This is the ONLY statement that I have received this year and my balance is {$110.00}. The company billed {$49.00} on XX/XX/XXXX for the membership fee, {$29.00} on XX/XX/XXXX for a late charge and {$40.00} on XX/XX/XXXX for an additional late charge for a total billed amount due of {$110.00}. I WAS LIVID!! I called First Progress and asked for a supervisor. So, XXXX ID # XXXX, gets on the phone and tells me that the company has mailed me sixteen statements beginning on XX/XX/XXXX. I told XXXX that I received that statement, but I have not received a statement since XX/XX/XXXX. Then XXXX tells me it is not his company 's fault that I did not get my statements and that there must be a problem with the mail delivery. I told XXXX that I received ALL my other bills in the mail this year, but I can not understand why I have not received one statement from First Progress until my account is past due. I assured him that I have not received any statements and can easily prove it. I signed up for the USPS Informed Delivery service- the post office creates images of the mail for that day and then emails the images to me each and every day there is mail service. There are NO images of any First Progress statements, except the one that I received today. I depend on receiving my bills in the mail and email so that I can remember when to pay them. And paying the {$49.00} is not the problem... the problem is that First Progress has not mailed any statements to me. XXXX then tells me that I would not receive a statement and it is my responsibility to pay my bills. I asked him then why did he tell me that XXXX statements have been mailed to me? And why does the company offer " Paperless '' Statements? Of course, he got smart. I told him that I was reporting this because whatever they are doing is a fraudulent business practice.
Complaint sub-issue: Their investigation did not fix an error on your report

As of XX/XX/XXXX Fed Loan Servicing updated my credit report by continuing to report a 90 day late for XX/XX/XXXX. The issue here is that all of my loans were placed in forbearance during the time that the 90 day was reported. 

Facts : Employee ID # XXXX completed a forbearance on my account that started XXXX and ended on XXXX. 

Employee ID # XXXX completed another forbearance on my account that started on XXXX. 

A forbearance is a LEGAL AGREEMENT that allows the account holder to temporarily stop making federal student loan payments. 

Later on XXXX a 12 month IDR plan was placed on my account. 

In accordance with The Fair Credit Reporting Act ( The law intended to protect consumers from misinformation being used against them ) Fed Loan Servicing is not in adherence due to reporting a 90 day late on my credit file and continuing to keep reporting it even though they are fully aware that my account was under the XX/XX/XXXX - XX/XX/XXXX forbearance completed by employee ID # XXXX. 

Fed Loan Servicing has not provided any information that states that they will report negatively to the credit bureaus while under an approved forbearance. I have faxed in documents, called in, and emailed regarding this issue.
Complaint sub-issue: Overdrafts and overdraft fees

I had two unauthorized transactions a few months ago, as a result my Keybank checking account went in the negative by - {$26.00}. This negative balance was a result of overdraft fees associated with the unauthorized transactions. I called several times in 3 months to get the overdraft fees waived and they did nothing. I received a provisional credit for the unauthorized charges and won the dispute. The account stayed in the negative because they didn't reverse the overdraft charges as a result my account  was closed on early XX/XX/2019 as a charge off. The company keeps on sending me to collections and say the account is charged off. I'm asking for a reversal of the overdraft fees and about a {$10.00} refund to me. I'm worried about them reporting me to XXXX  when in fact they owe me money. Thank you!
Complaint sub-issue: Public record

I have disputed the validity of an old tax lien with all XXXX credi bureaus and all but Eqifax have removed the lien from ny file. It does not exist. There is no way this is being verified as a valid lien. I verified with the Court and they told me that they do not report to credit bureaus they also verify that the items that is placed on my report was pulled from a third party not them at all therefore it must be deleted. And also once it is deleted I am requesting that proof be sent to me please send proof to my email address at XXXX.
Complaint sub-issue: Talked to a third-party about your debt

I have been disputing an alleged XXXX cell phone debt assigned to ERC for the past several months. ERC has yet to provide any real evidence or contracts of said debt bearing my signature and I have contested it. 

I just received an anonymous phone call from a gentleman in Ohio claiming he received copies of billing statements and a letter from ERC with my name, last four of my social security number and my current cell phone number. This gentleman claims he is getting harassed for owing the same debt showing my name and this debt is being credit reported on his credit as well! 

ERC has some serious paperwork issues and is now sharing my private/personal information with a unnamed man on the other side of the US. I have reported the neglectful communication tactics to CFPB several times as well as the California Attorney Generals office and would like a full investigation on this account and records of correspondence. 

The original letter of right to dispute was never sent to me directly but was wrongfully sent to a relative of mine in XXXX, now, my personal information is being mailed to annonamous people in Ohio. This is very concerning. 

Something must be done as I am now afraid that my information is being passed around to the wrong people and can potentially end up in additional credit fraud.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I apply for XXXX credit card, because it was said that I can do a balance transfer at 0.00 % and no transfer fee. When I call the XXXX after had received the card they told me that I will be having a fee of 3 % for balance transfer. I feel that was a shame that gave me the illusion to same my problem and be able to reduce my high interest in the other credit card that I already have. I will like to pay off my credit card and start fresh. I thought that if I will transfer to XXXX maybe in one year o so I will be able to pay off my credit card.
Complaint sub-issue: Investigation took more than 30 days

I have read that credit bureaus have 30 days to respond to a dispute. Well it has been nearly 2 months now, and I have received nothing from them. Not even an acknowledgement of my dispute, let alone an actual credit report. This is very frustrating as there is a simple mistake on my report I need corrected. I sent my letters out on XX/XX/XXXX, I will include them.
Complaint sub-issue: Billing dispute for services

Balances showing {$200.00} and some dollars. Was report by XXXX XXXX however when I spoke to them they said that I was still in good standings and did not owe them anything that I'm on pay-as-you-go with a payment of XXXX amount. 
I would like this removed from my credit due to damages that it's done to it
Complaint sub-issue: Information belongs to someone else

There is a  XXXX  discharged bankruptcy on my credit report that is not mine. I have never filed for bankruptcy. I sent disputes in writing on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX , and  XXXX / XXXX / XXXX  to address this issue. The case number is :  XXXX .
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  XXXX. Account # 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
Complaint sub-issue: Received bad information about your loan

On XXXX, XX/XX/2019, I contacted Department of Education/Nelnet and set up a repayment , the Extended Graduated Repayment Plan, in which according to the creditor my next payment is due onXX/XX/2019 and that everything was approved for me to begin to pay on all of my school loans in a consolidated payment. I was told that I would receive the confirmation in two days but after not receiving this information I contacted Nelnet again to inquire about this and I was told by a representative named, XXXX, that it wasn't approved. I expressed my total disappointment because I was misinformed and not notified otherwise; had I not called I would never have known. XXXX  then stated that he fixed it and even gave me a lower payment amount with an extended payment due date. Then when I again didn't receive the confirmation documentation I called back and spoke to a representative named XXXX. He told me that XXXX  had misinformed me as well and that I would have to make three consecutive payments on loan A first and then to call back after the third payment in XXXX, 2019 and then I would be able to successfully set up a consolidated repayment plan for ALL of my loans. I did that and then called NELNET as instructed by XXXX   and was then told that was ALL incorrect that it didn't count for ANYTHING just to make payments on that one loan and that the other action was NULL and VOID. ALSO, XXXX told me that XXXX  had stated that back in XXXX, 2016 that I agreed to place Loan A ONLY on a different payment plan than all the other loans that I had with them. I told NELNET that I NEVER agreed to that because I had already been notified and requested that ALL my loans be on hold while the Dept of ED investigates my claim for loan forgiveness. I also wouldn't have agreed to do this on ONE loan when there were so many others that needed to be addressed as well.
Complaint sub-issue: Debt is not yours

I never signed any paperwork with this company stating that I promised anything.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX 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 an account without my written instructions.

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: Debt was paid

The company Allied interstate LLC sent a garnishment to my company for a student loan that was paid off around XXXX or XXXX. The loan was payoff from a tax refund offset from the IRS. The company never went to any court to have the case heard or sent me a letter about this matter the amount they trying to get is XXXX and it was back XXXX.
Complaint sub-issue: Other problem

Sears is lowering my credit limit because I have not used the card in 17 months.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2022, I placed a delivery order through XXXX from XXXX XXXX XXXX XXXX XXXX. The food that I received was incorrect, burnt and missing items. 
I did not get the dressing for my salad, my " cheese rolls '' were burnt black, the calzone was soaked in garlic butter, my pizza was supposed to half cheese, half veggie with no mushrooms, and it was all veggie and did indeed include mushrooms. 

I contacted XXXX and they said that there was nothing that they could do. I contacted XXXX XXXX XXXX multiple times, and they have not returned my messages. I filed a dispute with my bank, ( KeyBank ), and they issued a preliminary credit, but ultimately reversed that. 

I spent {$54.00} and {$9.00} through XXXX on this transaction. I disputed both charges with my bank. I have photos of the food, my receipt from XXXX, and my chat conversation with XXXX that proves that I did not get what I ordered and that XXXX refused to do anything to make it right. 

No one is willing to fix this situation. I just want my money back, because I didn't get what I ordered.