Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

I submitted a letter on XX/XX/2021 regarding unknown and inaccurate information on my credit report.As of this present date, XX/XX/2021, I still have not received any response, which is more than 90 days later. I am under the impression my disputes are being ignored and disregarded. I also feel I am being taken advantage of and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of wrong individuals.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent 6 certified letters to the company and the credit bureaus stating that this card had fraudulent purchases. I submitted a police report, affidavit of identity theft, and identification. They have verified the information as accurate each time which is in violation of FCRA.
Complaint sub-issue: Problem making or receiving payments

The app XXXX says PNC is no longer allowing 3rd party connections to their bank.
Complaint sub-issue: Information belongs to someone else

The police report along with the id theft advadift shows the fraudulent accounts the credit reporting agencies reporting section 605b of the fcra requires them to block these accounts after 4 days of submission of police report and id theft adfadvit
Complaint sub-issue: Public record

I found XXXX tax liens on my credit report filed XXXX stating that I owe XXXX for the year 2010 based solely on the fact that I had a XXXX XXXX license. According to the XXXX the average licensees paid {$3900.00} in state income tax, so they figured I owe them {$3900.00} in back taxes. I moved out of XXXX in XX/XX/XXXX, so I was n't a resident of XXXX in the tax year XX/XX/XXXX. I did n't have any XXXX transactions XX/XX/XXXX. The department XXXX indicates XX/XX/XXXX that my license is issued in non-working status and may not perform licensed activities. The XXXX filed XXXX tax liens in XXXX XXXX and XXXX XXXX that should n't be there in the XXXX place. I will attch copy of my passport ( I left XXXX in XX/XX/XXXX and moved to XXXX XXXX I have not been a XXXX resident since XX/XX/XXXX ) and IRS transcript showing that I had no income XXXX XX/XX/XXXX. Also a copy of my XXXX license showing my license status. I started looking for a job since I moved XXXX, with this false credit report/public record, it makes it really hard if not impossible for me to find a decent job. I do n't know what I should do at this point. Any advice would be greatly appreciated. Thank you.
Complaint sub-issue: Didn't receive enough information to verify debt

I received a bill for a medical debt that was supposed to be under review with my insurance. I was charged OUT OF NETWORK for an intensive care unit trip that I HAD NO ABILITY TO CHOOSE where to go. They took me to XXXX XXXX. I am a full time employee for the XXXX XXXX XXXX XXXXXXXX. I was found XXXX and the ambulance took me to the closest XXXX  ( which at the time president trump had already signed the no surprise billing act but the date it went into effect is unclear ) I was brought to the XXXX XXXX XXXX and after becoming XXXX  with my family there, I asked to be sent to thXXXX XXXX XXXX XXXX XXXX XXXXXXXX. I was stable, clear headed, and capable of making decisions. They told me I had to stay in the XXXX  but their XXXX  was full. I asked again if I could have my family take me and they refused and said I needed to get taken by ambulance ( another XXXX I paid ) to their other XXXX XXXX XXXX XXXX. I said I can not go there I will not be able to afford that. My father said I can drive him there at least and they refused again. I have been disputing this out-of-network debt ever since, and all the sudden without notice I am getting a letter from IC Systems medical debt collections . I thought they were still working on my bill? I have very good insurance this has to be a mistake. I can not afford another monthly payment type situation I am drowning in bills as is. It is not fair that I was brought and forced to stay at XXXX XXXX when they knew I had XXXX XXXX XXXX insurance and had even asked for that. This amount of {$3900.00} is not correct. I would have and should have met my out of pocket max, I can not and will not pay this because it is not correct. Please help me! 

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

I have sent in several disputes and FTC Reports to EQUIFAX, XXXX  AND XXXX. THEY HAVE NOT BEEN COMPLIANT WITH MY SUBMISSIONS. I HAVE BEEN FIGHTING FOR THE LAST YEAR TO REPAIR WHAT SOMEONE HAS DONE TO ME THROUGH IDENTITY THEFT. THE POLICE HAVE SAID THERE IS NOTHING THEY CAN DO. AND HERE I AM FIGHTING BACK AND FORTH WITH THE CREDIT AGENCIES ABOUT SOMETHING I HAVE NO CONTROL OVER. I NEED THESE ITEMS DELETED FROM MY CREDIT FILE. THESE INQUIRIES NEED TO BE REMOVED FROM MY REPORT IMMEDIATELY UNDER THE FCRA. 

I ALSO HAVE A BANKRUPTCY THAT IS REPORTING AND COULD NOT BE VERIFIED THE COURTS DO NOT VERIFY BANKRUPTCIES DUE TO PRIVACY THIS PUBLIC RECORD NEEDS TO BE REMOVED FROM MY REPORT. 

AT THE TIME THESE ACCOUNTS WERE CREATED I WAS INCARCERATED. I AM NOW TRYING TO REBUILD MY LIFE AND I CAN'T DUE TO IDENTITY THEFT. 

Bankruptcy chapter XXXX-discharged XX/XX/XXXX {$0.00} XXXX US BKPT CT FL XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX   XXXX  XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX   XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX CO XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX I HAVE NEVER LIVED AT XXXX XXXX APARTMENTS. THE ACCOUNTS BELOW NEED TO BE REMOVED FROM MY REPORT UNDER THE FAIR CREDIT REPORTING ACT. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XX/XX/XXXX {$1300.00} {$1300.00} XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$5800.00} {$5800.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Complaint sub-issue: Information belongs to someone else

This is a complaint against timeshare XXXX XXXX XXXX - XXXX XXXX XXXX The people we dealt with told us that we were making a good financial investment. They said I can earn from this if I decide to sell it as the resale value would go up. We were also told that it had some tax benefits similar to owning a second home. We felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's our last chance at the lowest price. They opened a credit card. They offered gifts like {$100.00}. They have our ID during this process. We felt extremely pressured during the whole process, they even used threatening statements when we asked assistance in selling. We didn't know how to cancel, we were never properly educated of it like how many days to cancel and such. We tried requesting to cancel but we were never assisted. We had the worst experience with this timeshare, we were highly pressured with their sales tactics. We were under impression that it was a bargain deal being offered to us, purchasing someone else 's timeshare that they needed out of. Thus, we were led to believe that they actually assis owners who need to sell and exit. We were simply defrauded and lied to. We're elderly, it felt our age were used and had been taken advantage of. Having this timeshare just gave us hardships than giving us a way to relieve our stress for people our age, especially when we're already dealing with several medical conditions but getting involved with them just doesn't help, actually making it worse for people like us. We had financial difficulties, negatively affecting our credit scores because of this, loss of income, can't pay bills etc. Experienced work stress and issues due to this timeshare, plus emotional relationships were affected well. All we got is being stressed out ever since we had this timeshare.
Complaint sub-issue: Information belongs to someone else

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXXXX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021, I filed an dispute about incorrect information showing on my credit report and it's be well over 30 days and I haven't received any investigation results.
Complaint sub-issue: Problem with personal statement of dispute

I have sent in multiple FTC reports for fraudulent accounts to Equifax and they refuse to delete them. I have a afraid alert on my account and has had one for months. I need these to account immediately deleted because it is messing up my credit history and hindering me to buy a home! I need a new report delivered to me once deleted. Thank you amounts and dates as attached
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$6500.00} -This is not my account.
Complaint sub-issue: Debt is not yours

Title : Debt Validation Letter Date : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MD, XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for a suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 


Please fill out the following : Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account #. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date ( this alleged debt became payable ). 
Date of original charge or delinquency. 
Was this debt assigned to a debt collector or purchased? 
Amount paid if debt was purchased. 
Commission for debt if collection efforts are successful. 


Please attach copies of the following : Agreement with your client that grants client services the authority to collect this alleged debt. 
Signed agreement debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. 
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
All statements while this account was open. 
Have any insurance claims been made by any creditor regarding this account? 
YES NO Have any judgements been obtained by any creditor regarding this account? 
YES NO Please provide the name and address of the bonding agent for client services, in case legal action becomes necessary : Authorized Signature of Creditor : Date :
Complaint sub-issue: Personal information

Under Personal Information on my credit report my sons ( XXXX XXXX XXXX information XXXX Address : XXXX XXXX XXXX XXXX XXXX appears on my Equifax report in error and I 'd like to have it removed asap. Thank You, XXXX XXXX.!!!!
Complaint sub-issue: Debt is not yours

I attempted to switch my television/internet/phone services to  XXXX  around  XXXX   2014 . I had  XXXX  working phone lines in my in which were not ported over, so I was left without working phone and internet services. I also experienced technical issues with my television services as well. I stayed in constant communication with  XXXX  as I did not have properly working services and I was always bounced to my previous provider of  XXXX  to handle the issue, in which they could not because my services were taken over by  XXXX . I spoke numerous times with  XXXX  technical support and porting services and to no avail services were not fixed and I switched back to  XXXX . I was informed that due to the trouble that I experienced, I would not owe a bill, it would be settled and now I have a bill reported in Collection, which I received no notice of prior to reporting to the credit bureaus. I spoke with  XXXX  customer relation a couple of months ago to have this matter taken care and I basically informed that I owed the bill.
Complaint sub-issue: Information belongs to someone else

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. I have already gotten a police report with local police. And I have contacted the FTC. These items need to be deleted from my credit report. XXXX, XXXX, XXXX, XXXX XXXX. Inquiries : 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
Complaint sub-issue: Problem with statement of dispute

This would be a complaint against XXXX, XXXX XXXX XXXX, and Equifax, who I use to monitor my credit activity. Below is the original complaint sent to the FCCXXXX has been trying to charge me for equipment that supposedly was not returned to them in XXXX. After much arguing, a manager found that I had shipped back the equipment, they were scanned in at the XXXX XXXX hub, and lost from that point. XXXX agreed to refund my account. But yesterday, the company filed a collection account against my credit via XXXX XXXX XXXX. I contacted the collection agency and they were able to see that I was in fact, owed a {$160.00}, which I have never received. I am also a current XXXX customer and my account is in good standing. I would like my {$160.00} refund and this removed from my credit immediatly. 

Equifax conducted their review and determined that the debt is mine. It absolutely is not. The representative at XXXX even advised that I was given a credit refund ( which I have never received ). I am a current XXXX customer in good standing. I paid that bill from XXXX in full and XXXX admitted that it was the carriers fault that they did not receive the equipment that they are charging me for.
Complaint sub-issue: Account information incorrect

I have spoken with XXXX directly and have disputed the balance shown *twice* already. Rather than fixing the error, XXXX 's solution seems to be to drop back a month and report an even higher incorrect balance to Equifax. Twice they have reported to Equifax that they are reporting correctly but clearly they are not.
Complaint sub-issue: Was not notified of investigation status or results

I want to make this perfectly clear that this is a demand for a method of verification where the following items should be provided to ensure the validity of each account reporting. 

XXXX XXXX XXXX XXXX  I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX  XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXXXXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXXXXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late XXXX XXXX XXXX XXXX I was not 90 days late I have been trying to get this resolved since LAST YEAR and none of these credit bureaus will respond and I mean NONE of them ... this is getting out of hand. 

I need these accounts validated or deleted immediately XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, LOUISIANA XXXX
Complaint sub-issue: Can't close your account

Their support had ridiculous wait times ( 20+ min minimum ) and there is no way to close the account online. They opened an account in my name without my permission ( I had an account with BBVA ) and then charged me {$2.00} for sending me a paper statement ( no transactions ) even though I was never asked or prompted to opt in or out. I do not want to do business with PNC and I want my account closed immediately. I requested the closure days ago via their chat but have received no response.
Complaint sub-issue: Public record information inaccurate

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : USBK Court XXXX Illinois Docket # XXXX USBK Court XXXX Illinois Docket # XXXX
Complaint sub-issue: Old information reappears or never goes away

There are inaccurate late payments on my credit report on Equifax.
Complaint sub-issue: Information belongs to someone else

Good Day, My name is XXXX XXXX XXXX, I am writing to complain on XX/XX/XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have meet the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 
The following are some of the dates of the letters I have mailed out : XXXX/XXXX/20 XXXX/XXXX/20 They're are multiple attempts other then this dates I have attach. 

ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.
Complaint sub-issue: Banking errors

I opened my checking account at US Bank, but the initial opening deposit of {$25.00} was unsuccessful. Before account was frozen, I also deposited {$25000.00} into the account. However, US bank froze my account, so I was no longer able to access my money in the account, transfer money out or close the account. 

US bank simply took away my $ XXXX and walked away. I've spent almost 20 hours trying to going to different bank branches in person, talking with bankers and branch managers, emailing and calling customer services, but nobody really helped. Everyone just said they were not able to do anything, please reach out to someone else. 
I was even told that my account was in the automatic process of being closed, account would be completely closed on XX/XX/XXXX with the $ XXXX balance mailed to me by check. However, nothing happened and the account is still Open and Frozen. 

It has been the worst worst worst bank experience I have ever had. None of the local branch, bankers, branch managers, customer services representatives helped me, the only thing they could do is to ask me to reach out to someone else. Now my money of $ XXXX is frozen in the account, and nobody is able to close my account and get my money back. 
US Bank is cheating customers by lying to customers that account was already being closed, also cheating customers by forfeiting customers ' funds which are in urgent need to use. 

I need this money in the account super urgently because I need it in hour purchase. If US Bank is delaying my house purchase in the hot market, please compensate for all my loss. 

WORST bank ever!!!!
Complaint sub-issue: Account information incorrect

I sent a dispute letter to Equifax on XX/XX/2021 in regards to inaccurate and incomplete information on my credit report and I havent heard anything back in regards to that dispute. Please help me with this.