Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive terms that were advertised

I opened an account with XXXX based Bank on line. It was a high yield savings account at PNC. The account was opened on the XX/XX/XXXX but it was not funded till XX/XX/XXXX. I initiated a web transfer from my Bank which is XXXX  XXXX XXXX on the XX/XX/XXXX. My bank completed the transfer on the XX/XX/XXXX. Noting on the PNC site showed any transfer made. Called several times to PNC. The answer was the same -its takes up to 5 business days to complete which is utter nonsense. On the XX/XX/XXXX I checked my account and the funds were there no explanation of where it came from. I called and talked with the XXXX at the call center who was rude and self - indulgent. She couldnt give a proper answer. She told me to talk to anyone at PNC. I then wrote a very detailed letter to XXXX XXXX XXXX who is the CEO of the Bank. I was extremely frustrated. I started digging to find a website called XXXX XXXX. The most complaints were for PNC mostly from people located in the the states where the bank has branches. I was shocked at the behavior of PNC. I indicated to XXXX XXXX that I was very unhappy with the way the bank is defrauding the people. I wanted to know what he was going to do about the matter. The next day I received a phone call from a woman called XXXX who was calling on XXXX XXXX behalf. She promised to call me after she investigated the matter and call me on Thursday. I was speaking to her on Tuesday morning the XX/XX/XXXX. I never got a phone call and late Friday morning she called and told me that there was nothing wrong and its the Banks policy to withold funds for up to five days. No one told me this the banks policy to do this. I told her that I would contact you and write a letter to XXXX XXXX XXXX and contact my congressman XXXX XXXX XXXX. This is breach of public trust and skimming of interest by the bank PNC. It my dearest desire to get this unscrupulous Bank in front of a congressional Banking Committee to be investigated.. 
I had called you on Wednesday the XX/XX/XXXX and left a message and someone was supposed to get in touch with me on Friday. I didnt receive the call so I decided to write. 
Please call me and let me know the details you required because until today the account at PNC doesnt show when they received the funds and the Bank that transferred it. Today is the XX/XX/XXXX.nine days after the funds were received.
Complaint sub-issue: Personal information incorrect

I've looked at my accounts across three different major bureaus and non of them have my current address and the previous ones are incorrect. I've contacted and submitted supporting documents to all of them as far as XXXX, XXXX, and Equifax with non of them properly updating the info
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

I have been a victim of Identity theft and I notified Equifax and XXXX XXXX XXXX to dispute a fraudulent eviction account in the amount of {$6100.00} which has been inaccurately reported since XXXX of XX/XX/2019. The fraudulently account continues to be inaccurate reported on my credit file even after I have provided documentation from the FTC, IRS and police showing that my identity was stole by XXXX XXXX XXXX. I have filed numerous disputes to no avail. 

Respectfully, XXXX XXXX
Complaint sub-issue: Account status incorrect

Equifax is reporting an XXXX XXXX  # XXXX on our credit reports that one was closed and paid in XXXX of XXXX and two, is reporting twice on our credit reports! This duplicate reporting is also showing we were 60 days late within the past 12 months ( XX/XX/XXXX )! Again, we sold this home and paid off this mortgage in XX/XX/XXXX! This is now keeping us from using our VA benefits and purchasing a new home.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly a collection on the XXXX partial account number XXXX in the amount of {$12000.00}. ( Please see pages 36 and 37 of the attached credit report. ) These student loans have been consolidated and therefore not be reporting on my credit report. This incorrect reporting is harming my credit score and these line items need to be removed.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022, I sent a letter to the courthouse asking if they report bankruptcy information to the credit bureaus. I received a letter from the courthouse stating that they do not report bankruptcy information to anyone. So how did the credit reporting companies verify my bankruptcy as 100 % accurate? They never did a fair investigation as stated by law 15 U.S.C 1681. 15 U.S.C 1681 section 603 ( E ) ( 3 ) States ; " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer character. general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he/she is acquainted or who may have knowledge concerning any such item of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They violated my rights on numerous occasions. 

Credit bureaus violated my given rights under 15 U.S.C 1681. According to 15 U.S.C.1681 Section 602 A States I have a right to privacy. 

According to 15 U.S.C 1681 Section 604 A States a consumer reporting agency can not furnish an account without my written instructions. 

According to 15U.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: You told them to stop contacting you, but they keep trying

Never missed a payment for conns purchased new bed as an add on Was told at conns to tell them if they called payment would be due in XXXX and they keep calling up to 10 times a day!!!! I have screenshot of them calling back to back even after I told them to stop calling
Complaint sub-issue: Privacy issues

I, XXXX XXXX applied for and was approved for Citibank Mastercard. I applied with my name, my birthdate, and my social security number. However, the approval came back with the first name, XXXX, which is my husband 's name. I registered the card online, with my social security number, and it already hit my credit report for the inquiry on the card. The company refuses to speak to me, because my name isn't XXXX. I have faxed in and e-mailed in copies of my social security card and driver 's license to prove my identity and they still refuse to fix the problem or speak to me regarding the account. I am very upset because they gave out information on my account to my husband, XXXX, which they should not be speaking to him about my account. The offered him to close the account, my account, that's attached to MY CREDIT REPORT.
Complaint sub-issue: Was not notified of investigation status or results

I am filling this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify and/ or validate the accounts I disputed. Being that they have gone past the 30-day mark and can not verify and/or validate these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " .... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Complaint sub-issue: Debt was result of identity theft

I have recently obtained a copy of my credit report and noticed inaccurate accounts on my report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX and # 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. 

Account # XXXX has contacted me several times, via phone, text and mail after I asked them not to. This of which I have proof of. 
Account # XXXX has contacted me several times, via phone and mail after I asked them not to. This of which I have proof of. 
Account # XXXX has contacted me several times, via phone and mail after I asked them not to. This of which I have proof of. 
Account # XXXX has contacted me several times, via phone and mail after I asked them not to. This of which I have proof of.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

all hard credit inquiries between XX/XX/2021 thru XX/XX/2021 was someone else using my personal information applying for credit or loans or whatever because i was incarcerated from XX/XX/2021 until XX/XX/XXXX, XXXX i also do not recognize any of the other 3 hard credit inquiries. so of the 10 hard credit inquiries on me, at least 7 of them ( the ones during the time i was incarcerated ) are completely fraudulent.
Complaint sub-issue: Delay in processing application

citibank keeps sending me about my credit card limit and their promos..i applied a credit card last XX/XX/2018 but my card did not arrive.. when i checked the status of my card application.. it was approved and have a limit of XXXXphp..i contacted several times the company but they still keeps saying that my card will be redeliver.. as of now i have not received my card.. I'm afraid that my card will be use by someone else ... am i responsible for that? the company keeps saying that they will get in touch with me but i have not received any call from them..
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX is still reporting this fraudulent account to Equifax but had deleted from XXXX, XXXX! I have mailed XXXX XXXX a notarized FTC affidavit XX/XX/2018 but they keep mailing questionnaire and Im not filling it out because you will not get my information or signature on this fraudulent account or receive my personal information! I have faxed the FTC report to Equifax and they told me XXXX XXXX is still reporting this fraudulent account and Equifax is allowing it! This fraudulent account better be off my Reports or I will file small claims and file a complaint to the state attorney general on Equifax and XXXX XXXX! XXXX has deleted this fraudulent account off of XXXX  and XXXX  but is still reporting to Equifax!!
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX/XXXX/XXXX : I requested validation/substantiation of a collection claim from XXXX XXXX XXXX XXXX XXXX in the amount of {$220.00}. No response was received at all, so I took it a step further and contacted Equifax ( followed the same steps for XXXX and XXXX, XXXX removed the account after their investigation : XXXX and Equifax did not ). XXXX/XXXX/XXXX : I requested Equifax investigate and remove the account due to XXXX XXXX XXXX XXXX XXXX non-reply ( provided a copy of the letter sent to XXXX XXXX XXXX XXXX XXXX ). XXXX/XXXX/XXXX : Equifax responded indicating that their investigation was complete : item verified. XXXX/XXXX/XXXX I requested the method/detailed explanation of the verification. In Equifax notice to consumer section on each response to my dispute, it specifically indicates word for word ; " You may request a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnisher of information contacted, and if reasonably available the phone number. '' XXXX/XXXX/XXXX : Equifax responded with a duplicate of the letter received dated XXXX/XXXX/XXXX, the only difference was the date. My request was completely ignored. My requests were mailed certified, I am not only losing money but also losing time on detailed correspondence which is clearly not read by a human, this is obvious because I am receiving duplicate automated responses. Equifax stated in their response letters to me that they requested that XXXX XXXX XXXX XXXX send a response to my dispute ; why would n't Equifax forward me that response?
Complaint sub-issue: Account information incorrect

In according with the fair reporting act XXXX accounts : 1. All inquires listed 15 USC 1681 Section A-6028- I have the right to privacy 15 USC 1681 Section 604-A Section 2- Consumer reporting agency can not report accounts without my written instruction from consumer. 

XXXX, Equifax, and XXXX all have listed hard inquires without my authorization.
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have 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 he information is inaccurate.
Complaint sub-issue: Public record information inaccurate

For the past few months I have been disputing inaccuracies on my credit report. The asset amount XXXX, Equifax and XXXX is reporting on the bankruptcy on my credit profile does not match any public records. No proper investigation was done into this matter because this information continues to report inaccurately. They are also reporting the wrong liability amount.
Complaint sub-issue: Their investigation did not fix an error on your report

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XXXXXX/XX/XXXX
Complaint sub-issue: Investigation took more than 30 days

Dealing with Equifax is like an exercise in futility. It is a real burden trying to get issues resolved this agency. 
I am in possession of the response letter from Equifax concerning my complaint to the CFPB on XX/XX/XXXX. Number XXXX on their willful violation of Fair Credit Reporting Act that states, when a credit bureau receives notice of a dispute, it must reasonably investigate the claim. And the investigation must be performed in 30 days. The notice I received on XX/XX/XXXX is unresponsive to my request. Equifax had 30 days to respond to my previous demand and they failed to do so. 
I warned Equifax in the very recent complaint, that as of XX/XX/XXXX, I mailed in a certified letter requesting the accuracy of XXXX XXXX account number XXXX. And that the account must be removed from my credit file. 
I am demanding that this account be removed permanently and immediately from my credit file due to their lack of transparency. Equifax should not be allowed to manipulate the guidelines of the FCRA.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I submitted a permanent opt-out to stop receiving credit card offers in the mail, yet Citi has chosen to completely ignore this request and still sends me junk mail all the time. I've reached out to Citi XXXX asking them to stop and they won't.
Complaint sub-issue: Problem with personal statement of dispute

I would like the creditor to comply, the alledged debt is outdate information reporting and has met the 7 year mark. please send me proof with all necessary information on the price and terms of credit. the account should not be reporting but dropped off. I can see the account still reporting on XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX had 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 cannote 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: Information belongs to someone else

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports :
Complaint sub-issue: Their investigation did not fix an error on your report

I had applied for a mortgage to buy a home. My credit report was run by the bank. As a result of the report, I discovered 2 derogatory marks from XXXX XXXX. I have never had a XXXX  XXXX flexible spending account as stated on the report. I called XXXX XXXX XXXX. I spoke with 4 different agents. The last call made to the bank was on XX/XX/XXXX. All four agents at XXXX XXXX  were unable to locate any account with my name or social security number. I was told that someone from the credit department would call me to discuss. I never received that call. After i spoke with the 4th agent, I was told to submit my dispute in writing and it would take 30 days to investigate. ( meanwhile, I am to close on a house that I now can not get my mortgage ). In the first week of XXXX, I called equifax and XXXX  to dispute these marks. I was given a case number and told they would investigate. On XX/XX/2020, I received a letter from equifax stating that the dispute has be closed and they have confirmed that the report is correct. however, when i called XXXX  XXXX, they could not locate an account number with the last 4 digits XXXX. So, how was equifax able to do so. Equifax fails to include the entire account number on the final dispute completion letter. Therefore, I am still unable to locate or verify any incorrect information. On the report stating the closure of the dispute, the account in question was listed numerically. XXXX XXXX was never able to locate any account when I contacted them directly. I am stuck with no answers from XXXX XXXX or from equifax. To this day, neither company has been able to locate nor confirm the status of this account. And, neither the bank or equifax has been able to furnish the complete account number in question. I am unable to obtain a mortgage and I am unable to have this derogatory mark removed from my credit report.
Complaint sub-issue: Problem with customer service

So FedLoans have said over and over that my XXXX form is complete and is pending final review. I submitted this information and documentation XXXX. It has been over four months of waiting! I was told by their staff that it would be processed in 2-3 months. I have completed the required payments and have worked at qualifying locations for the correct amount of time which has all been verified. There is no reason why this should take over 120 days to complete. Now they say Unfortunately the review is not being completed by us. The review is being completed by the XXXX XXXX XXXX ( XXXX ). We have to wait for their response. But when I contacted Federal Student Aid about it, the XXXX said We apologize for the inconvenience, but we are unable to perform you request, but considering on your information on Fedloan Servicing 's behavior and delays on processing your Loan Forgiveness, you may need to report the servicer 's suspicious activity via the XXXX Feedback System. I just want to have my XXXX XXXX XXXX XXXX approved in a timely manner. It has been almost five months since I submitted my XXXX Form in XXXX of XXXX. This needs resolved immediately.