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

I applied for a new phone with XXXX. They came back and said that I had a low credit score and I would have to pay more. I received a letter from XXXX with an explanation. They got their information from Lexis/Nexus. Lexis/Nexis score was XXXX. All other reporting agencies are above 800. I sent Lexis/Nexis a letter asking for documentation. They sent me a letter saying they could not find any information on me ...  even assigned me a case # XXXX. ( XXXX used my name and SS # which they gave to Lexis.Nexis and they were able to give XXXX back a very low score. ) I gave them all the information they needed. No reply. I went online and asked for my credit report from Lexis/Nexis and gave them the information again. Just received a letter asking for the same information again. They assigned me another case number # XXXX. Hence, my request to you. They are simply avoiding the issue. And it is apparent that they do not want to provide me with any information about this problem.
Complaint sub-issue: Information belongs to someone else

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX ) and the Creditors ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Complaint sub-issue: Problem accessing account

I am and international account holder from the XXXX who held the account with BBVA for over 7 years absolutely zero issues until the BBVA compass / PNC bank merger that took place on the XXXX to XXXX XX/XX/2021. 

I have not able to log into my account using the details PNC provided for nearly a month now since this merger. 

My complaint ref with PNC is XXXX During the last month I have spent numerous hours with PNC on the phone and sent emails and I still haven no resolution. 

After my initial call to customer services my complaint was given a number ( listed above ) and I had contact with a lady called XXXX on the XXXX and then the XXXX XXXX via the phone and this email ( XXXX ) She couldn't resolve and said she would escalate the problem. 
I then had contact from XXXX XXXX ( XXXX - Title = VP Executive Client Relations ) on the XXXX XXXX a few times via the phone and email taking more details. 

Again she couldn't resolve so passed the case on to another colleague XXXX XXXX ( XXXX - Title Executive Client Relations ) who I spoke to a few times from the XXXX onwards trying to resolve via the phone. I was promised a call back on the XXXX, that didn't happen so I emailed XXXX on the XXXX and he called me back to apologise, once again he tried to resolve after he had done some maintenance work on the account. XXXX then suggested he would have to pass it over to the team dealing with the BBVA compass / PNC merger issues. I immediately said this should have been done from the start and not 2 weeks into my complaint. 
I was promised an update on Monday XXXX XXXX, that never happen. 
I left it till the XXXX and then emailed XXXX again as for an update, I had no call or email reply to that email. 
On the XXXX I tried to call 3 times and left him 2 voice mail messages asking for an urgent update and a call back with progress. No reply yet again on either email or phone. 
I have called twice today on the XXXX XXXX and left another voice mail asking for an urgent update stating I am filling in this complaint and also emailing the CEO of PNC bank about the shocking situation i am in. 

Copies of all my emails attached in EML format. 

I have in excess of $ XXXXk in this account after just selling a property and need urgent access. 

If youre not already aware this merger is a total shambles doing research online, their customer service is overrun with thousands of complaints varying for no access, cards not working, accounts disappeared, business customers not able to make payments. 

Its a total and utter mess. 

Please intervene and help me regain access to my account. 

XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Dear, CFPB The 3 major credit bureaus - ( XXXX, XXXX  and Equifax. Are in violation of the following statute contain in the FCRA and according to advisory of my attorney and guidelines in the CFPB if the disputed items on the letter attached is not removed within 30 business day.

I will be forced to evoke my rights under the FCRA, CFPB and FTC to sue your agency for specifically failing to provide the method and authenticity of the erroneous data furnished and reported. I demand this unauthorized data and information disputed in the attached letter be deleted/removed immediately.

Please the sections within statute violations are as follows : FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information. in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. FCRA 623 ( a ) of the FCRA Generally, prohibits a person from furnishing inaccurate information to a CRA. The standards for the prohibition differ, depending on whether the person specifies an address for receipt of notices from consumers concerning inaccurate information. FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Addresses your rights to request copies of your own credit reports and associated information that appears on your credit reports. Therefor in reference to ( FCRA 611 ) to be incorrect or unverifiable. And if the disputed information can not be verified or confirmed, then it must be removed. 

XXXX, XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

The whole month of XXXX I was getting calls from Hunter warfield about a debt of XXXX for something about a apartment complex I rented I never rented a apartment complex so they said they I could possibly do jail time if I dont pay I ask for information they say they sent off I never recieve I ask for original creditor and the their right to be collecting debt or to keep calling me they hung up
Complaint sub-issue: Card was charged for something you did not purchase with the card

Having problems with cash app. I was at XXXX XXXX XXXX and left my card in the machine. Whoever came after me used my card to buy a meal without me knowing. I tokd the company only the first charge was mine the second was unauthorised but they refused to issue a refund. Said i  had to file a police report over a XXXX dollar sandwich charge. Ridiculous
Complaint sub-issue: Account information incorrect

Fed loan is reporting a balance as well as my new student loan company called fed loan and they stated it will be corrected in moths my credit report is showing I owe more for my student loans causing a higher to debt ratio.
Complaint sub-issue: Account information incorrect

I HAVE BEEN TRYING TO FIX MY CREDIT WITH THE CREDIT BUREAUS FOR 4 MONTHS, I HAVE SENT DISPUTES TO EACH OF THEM TO UPDATE, CORRECT OR DELETE THE ACCOUNTS THAT ARE BEING INCORRECTLY REPORTED AND I HAVE NEVER RECEIVED ANY RESPONSE FROM THEM.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act convenient XXXX XXXX bank account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX Bank account XXXX 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 also states a consumer reporting agency can not Furnish a account without my written signature or instructions.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Public record information inaccurate

I spoke with the clerk of court and ask her about [ CASE ID XXXX listed from the three credit reporting agencies on my credit report as verified and she informed me that The United States bankruptcy court for the District of Alabama FED BK CT does not provide any information to any credit bureaus or third party. She also told me pursuant to Federal Statute and the Federal Rules of Bankruptcy Procedure only the last four digits of a debtors social security number along with their full name can be released and in order to obtain a debtors full social security number, a third party must file a motion with the court to unseal documents related to any cases so the reporting was false. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them from the bankruptcy court and not a third party. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness.Please attach the evidence of this bankruptcy to this complaint. This bankruptcy do not belong to me and should not stay on my file for 7 to 10 years this is violation of the FCRA
Complaint sub-issue: Reporting company used your report improperly

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. 

I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! 

I have also made a request to the XXXX XXXX XXXX  on the XXXX XXXX website to remove this from the account anyways as it is under {$10000.00} and has the same guidelines that fit the criteria. 

I am reaching out and trying to be as polite as possible for you to take the account off of the attached XXXX. ALSO SOME OF THESE ACCOUNTS DO NOT EXIST ON OTHER CREDIT PROFILES! There are different account holders for each account on EQUIFAX, XXXX AND XXXX! 

( XXXX XXXX XXXX XXXX Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX has been paid in full going on two years now. It shows collections on my credit report. I have contacted the lawyer for XXXX and all credit report agencies and they are not showing it as paid in full. 

XXXX  I am making payments of {$50.00} a month and have for quite some time now. The lawyer nor all credit reporting companies are updating this on my report that payments are being made on a monthly basis. 

XXXX XXXX XXXX : I do not recognize this company. I reached out to them about two years ago and they said this was not mine. No credit reporting agency will delete it. They said their investigation shows its mine. No proof has been forthcoming and I do not recognize this company.
Complaint sub-issue: Public record information inaccurate

On XX/XX/2018 I applied for an apartment in XXXX XXXX XXXX, FL. The apartment complex used a company calling itself XXXX XXXX to conduct a credit/background check on me. 

I received a denial from the apartment based on inaccurate information furnished by XXXX XXXX. XXXX is saying I have numerous apartment evictions on my Equifax credit report, and after contacting both XXXX XXXX and Equifax, I received conflicting information. This libelous inaccurate information is preventing me from securing housing and has caused harm to my reputation. 

Moreover, Equifax states they have no record or public record of me having any evictions but XXXX XXXX used Equifax to run its report. 

Further, XXXX XXXX says it would be 3-5 days before they can release my credit report to me. 

I accepted a position in XXXX Florida and need to relocate without the worry of inaccurate information placed on my credit report by this bogus company. I need this corrected asap because I will be homeless if unable to secure housing based on the inaccurate information provided to apartment complexes by XXXX XXXX.
Complaint sub-issue: Information is missing that should be on the report

Proof of copy of original application that includes my signature, Full payment history from original creditor, original agreement showing they can legally collect the debt. If cant proof all 3 delete this account from credit report.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 a dispute was faxed to Equifax to dispute a fraudulent hard inquiry by XXXX. The dispute included a listing of the inquiry that was the result of the identity theft, a copy of a driver 's license, social security, utility bill, identity theft police report, and a notarized FTC ID Theft Victim 's Complaint and Affidavit. The fraudulent hard inquiry remain on the credit report.
Complaint sub-issue: Account opened as a result of fraud

Upgrade, Inc. began sending me emails on Mon, XX/XX/2022, at XXXX XXXX  CT indicating that I had opened up a High Yield Savings Account, which I did not do. Since then, I have received at least XXXX other emails from Upgrade, including information to verify my email, to complete the setup of a Rewards Checking Account, and to rate the quality of customer service received. I contacted Upgrade support at approximately XXXX XXXX  CT on XX/XX/XXXX, to request that they disassociate my email from any account that they have since I have no relationship with them and do not want my identity to be compromised. Although I can prove my email address is owned by me and is not associated with Upgrade, they requested that I prove my identity by providing the last four of my social and my date of birth. Given that I have no relationship with them and felt uncomfortable providing sensitive information over the phone to a bank that I have never heard of, I asked if there was any other way for them to process the claim to remove my email information from whatever account was opened up using my email. 

I provided Upgrade with my name, phone number, and email address, but Upgrade said that was not sufficient to investigate the possible theft of my identity. Since I was uncomfortable providing them with the last four digits of my SSN and my date of birth, Upgrade stated they could not investigate my claim further.
Complaint sub-issue: Account information incorrect

The credit card company is showing my account as 30 and 60 days late payment it is showing during a time when my account was showing as not being reported.

I was never late with my payments. I tried contacting the company but they did not do anything to resolve the issue. My account number is not showing on the account and they said they can't give it to me because of confidential reasons so I don't have the account number and it is not showing up on the report. The account is closed because I have not been using this account.
Complaint sub-issue: Information belongs to someone else

This account with transunion ( XXXX XXXX XXXX ) and derogatory account with XXXX  ( discover financial services XXXX  ) is false and misleading my credit report. Youve sent me only bank statements as proof of validation. That is not legal proof that is stated in the FCRA. Also you sent me a envelope with you logo on it which is a {$1000.00} fine. An because your attempting to collect a debt that is against the law. Also stated in 15 USC 1681b you can not file a consumer report unless you have a written order from the courts, also should be accordance with the written instructions of the consumer to whom it relates. Stated in 15 USC, reports should not contain information solely as to transactions or experiences between the consumer and the person making the report. Also you sending me a letter with your logo on it will result is a fine from $ XXXX {$1000.00}. Thats three offenses. The congress also stated that any authorization or approval of a specific extension of credit directly or indirectly should be excluded from your report. Also during your investigation did you conduct personal interviews with any of my neighbors and family or associates? A consumer has right to privacy so since your reporting this information its infringement against my privacy. 15 USC 1692b states that no debt collector can state that I owe any debt. Thats a {$1000.00} fine.
Complaint sub-issue: Information belongs to someone else

I belong to a website that states my credit information and there are two separate hard inquiries on my account that do not belong to me. Someone is trying to steal my identity.
Complaint sub-issue: Information belongs to someone else

There are 4 accounts on my credit report that are not mine and a bankruptcy that are not mine they do not belong to me I have not applied for these used this or even applied for this. 

Account Name : XXXX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

After contact the credit bureau to get my credit report updated on XXXX XXXX XXXX XXXX, the credit bureau said everything is being reported correct. 
I filed with XXXX XXXX XXXX XXXX that responded the credit bureau is refusing to updated the information sent every month because of not accepting my name ( legal discriminations on by view ), in attach is the XXXX XXXX XXXX response where is wirten the credit bureau are solo responsible for not having my credit updated correctly. 
What intrigues me is that my name is accepted for hard inquiry but not for the monthly payment report, again I feel like discrimination.
Complaint sub-issue: Trouble with how payments are being handled

My loan qualifies for public loan forgiveness and the loan servicer is not properly including my total number of payments towards loan forgiveness. I have called and filed requests numerous times. The first request ( employment verification ) was filed in early XX/XX/2017. When I called on the status of this request they stated the had not properly filed the paper work and I would have to refill. I re-submitted the form in XX/XX/XXXX and they stated it would take 60-90 days to process and count the payments towards loan forgiveness. It has now been 7 months and they have still not completed the request to count all my payments. 

Each time I call they say they are working on it but I have yet to see any results.
Complaint sub-issue: Debt is not yours

Recurrent perpetrator is XXXX XXXX, a.k.a. XXXX XXXX, whose latest scam is against current creditor, Jefferson Capital Systems for {$640.00}. XXXX XXXX continues to use her previous property address, but I bought her property in 2003. XXXX apparently continues to put down MY property address which results in my receiving HER creditors ' letters trying to collect HER debts. 

XXXX is not using my name. She is using my address for her credit card scams. Isn't this a form of identity theft? 

I have tried writing Jefferson Capital Systems ( as I had to all previous creditors looking for XXXX XXXX or XXXX XXXX ) that I am NOT XXXX, and that XXXX has no right to be using my property address as hers ( since 2003 ). 

How do I stop this XXXX from unlawfully using my property address in her credit card scams? I am tired of being accused of being XXXX and I am tired of receiving letters from creditors looking for XXXX who think she lives at my property. She does not and has not since 2003!
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

My Fico Score is XXXX. I don't have unpaid debt to collections.

Debt Relief Center ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX above has been sending robocalls to me and my family for about two years ( landline and cell phones ) without identifying themselves.

XX/XX/2018 : I received an Important Notice from them ( Attached ).

I send the a certified letter to Debt Relief Center to cease and desist communication with me and my family ( Attached ).

XXXX ignored my request and continue calling me twice ( morning and afternoon ) daily.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021, Creditor Contact : Not Available add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred to Creditor Contact : Not Available and I am no longer responsible for the account as I have never dealt with any creditor not available. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name and Credit Reporting Agency has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX  XXXX Balance : {$680.00}
Complaint sub-issue: Account terms

XXXX XXXX XXXX and XXXX submitted a credit report adjustment to XXXX, XXXX and Equifax in order for them to remove the negative report. XXXX and XXXX did just that. However, Equifax did not.
Complaint sub-issue: Their investigation did not fix an error on your report

Ive disputed several times to XXXX, Equifax, and XXXX about XXXX XXXX.Ive sent the errors reporting across all three.Payment history on Equifax section is reporting 120 days late and XXXX is nothing reported, XXXX shows co.Equifax is the only one with a payment date of XXXX.The other two no payment.Also different active date. They just keep updating it with no changes which means they are not even investigating.They are saying this meets the FCRA requirements which is not true.