Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

Lost high salaried job in XXXX ( recession ) and fell behind on mortgage payments financed with PNC. Applied several times for loan modification and loss mitigation options but denied each time. Finally, in XXXX, we had to vacate premises as we tried to sell the home for one full year without success and knew we couldn't make payments plus cure arrearage. In XXXX, we filed for deed in lieu of foreclosure with PNC and were approved. We had since moved out of the property and turned over to PNC. We received notice, in writing at our new residence, that the deed in lieu was delayed due to a water bill lien ( allegedly a {$69.00} unpaid water bill ) filed by the XXXX XXXX XXXX XXXX and we must cure the lien first to proceed. We obtained letter from the City stating there is no record of a water utility lien or outstanding balanced owed and we faxed it to PNC. I called PNC and was told they had everything needed to proceed and did not receive anymore letters, notices, emails or phone calls from PNC. About one year ago, I checked my credit report on line at XXXX XXXX XXXX and found that all three credit reporting agencies showed negative public record reported for foreclosure. We were told our home would not be foreclosed because there was ample equity which is why the deed in lieu was originally approved. PNC failed to adhere to proper legal notice and notification of their intent to foreclose. We were not served with writ to foreclose or provided with legal notice as per the law. We were no given the option to cure the deficiency before proceeding to foreclosure and now my VA home buying benefit can not be used again until I repay the VA {$70000.00}. I feel my credit rating has been damaged, my credit report is inaccurate and marred my creditworthiness and my VA housing benefit ( no down payment when buying another home ) has been denied me for future use until I repay the VA {$70000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/22 - Sent a request to Lexis Nexis to remove incorrect information. 

XX/XX/22 - Received a response indicating that the reinvestigation was complete and the findings were verified. A link to the updated report was also enclosed. The updated /verified reports still includes major errors/ incorrect information. 

Record number 6 and Record number 8 in the Identification Records section are incorrect. 

And The following information from the Department of Driver Service Records... 

The information contained in the entry is 100 % inaccurate and does not belong to me! 


The name indicated on the record is not my name : XXXX XXXX XXXX XXXX. The date of birth indicated is not mine. 

2. The drivers license number is not mine.

3. The violation details do not belong to me. ( I have never lived in Arizona, visited Arizona, or committed any crimes in Arizona. )
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Re : Inquires on my Equifax I have reached out to all creditors and Equifax to ask theses unrecognized inquiries removed immediately, but no luck. 

The FCRA states that the only permissible purpose for pulling someones credit report is : Firm offer of credit. 
Insurance A court order.

Employment I recently pulled a copy of my credit report and noticed inquiries that I did not authorize and do not Fit A, B, C, or D above. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report, as they WERE NOT AUTHORIZED!!!!!!!! 





Re : XXXX Inquiries on my credit report I have reached out to all creditors and XXXX to ask theses unrecognized inquiries removed immediately, but no luck. 

The FCRA states that the only permissible purpose for pulling someones credit report is : Firm offer of credit. 
Insurance A court order. 
Employment I recently pulled a copy of my credit report and noticed inquiries that I did not authorize and do not Fit A, B, C, or D above. 

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

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit inquiries on your report that you don't recognize

I have several unauthorized credit inquiries on my credit report. I have asked several times to have them removed and the response I have gotten was a standard " they will be removed once it has been 2 years '' They are not authorized and I want them removed from my report. the following inquiries were not authorized : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple inquiries ) XXXX XXXX ( multiple inquiries ) XXXX  XXXX
Complaint sub-issue: Can't decrease my monthly payments

My private student loan was originally serviced by what is now, XXXX XXXX XXXX. It was sold over 4 years ago to Discover Student Loans. When it was first sold I noticed the payments were {$100.00} more than the original payment with XXXX XXXX. My current monthly payment with Discover is {$370.00}. I can not pay that. I have told them repeatedly by phone and email, the payments are too much. I have asked if they could lower the monthly payments or refinance the loan to lower the monthly payment. My emails either went unanswered or I was told I have no choice but to pay it, as I had used all of my forbearance. The last email I sent was after a threat AGAIN, telling me the loan was in at risk of being default and that payment must be made or they will escalate it. I emailed the Director of Operations and to beg for his help and to explain what was happening, to this date I have gotten no response. AGAIN. I spoke to a supervisor who I thought would help that turned out to be the most combative conversation I ever had with a customer service agent. I can not live like this under constant threat, I am not refusing to pay them I just want to find a way to lower the payment. I have XXXX other student loans XXXX with XXXX XXXX which is currently on a reduced payment plan, from {$560.00}, approx. down to {$280.00} ( XXXX loans combined ) per month. I also have another smaller loan which is about {$50.00} per month. Discover is the only loan I literally can not pay and that is a problem. I am constantly given the " politically correct '' explanation on how they can not reduce the rate, the length of the loan etc, they explain that XXXX XXXX and others have alot more freedom than they ( Discover ) do to administer student loans, if that is they case why are they even allowed to offer student loans. I am not asking to not pay them I am simply asking to reduce the monthly payments. I even proposed a lower monthly payment of about {$250.00} for about three months, until XX/XX/XXXX, and in XXXX 2015 I would be able to bring account current then, Rejected completely. I need help in talking to these people. 

I have recently restarted my job search,
Complaint sub-issue: Problem during payment process

Creditor : Best Buy Credit Card Services To whom it may concern : This bill was paid off using two cash payments inside the XXXX, XXXX XXXX, at the front register. I made a payment of {$150.00} on XX/XX/XXXX and the second payment of {$170.00}, was paid on XX/XX/XXXX. I contacted customer service via the in store telephone to receive the final payment amount. This call was placed directly in front of the employee which received the payment. I requested a paid in full letter and this information be reported to the all credit bureaus. The phone representative stated the paid off letter would be mailed. In XXXX, in lieu of a letter stating the bill was paid in full, I received an invoice of {$40.00} which was a late fee. Every month after I continued to receive a late fee. To date the bill is {$140.00} which are all late fees. In XXXX, I wrote the merchant requesting they correct this error and send me a paid off letter. The merchant has not corrected their error and receipts which showed paid off was attached. The last representative I spoken to stated they received my written correspondence but did not received the two receipts that were stapled to the letter; Please investigate and research this matter as this was the first time that I have incurred such inaccuraties, in the year XXXX, and repeated blatant lack of service. By their telephone representatives. They would asked for three pieces of personal information and then transfer me to two more phone representatives who would ask the same information than state they could not help me and/or they could not find the documents submitted. Please investigate and correspond as I feel like their was possible fraudulent activities that were being committed. I can be reached via email at XXXX and/or XXXX XXXX XXXX XXXX, XXXX XXXX. 
Please review my telephone conversations as they stated that I was on a recorded line.
Complaint sub-issue: Other problem

In 2019 I received a settlement from XXXX for the privacy breech. This year after years of on time payments and several payoffs on my costco citi card my credit limit was reduced to {$500.00} without cash advances from {$2000.00} limit. They sent some letter saying XXXX sent a low score but my score has been in the mid XXXX to XXXX and I continue to monitor my credit due to fraud. I see this as a retaliation by XXXX because none of my other cards have done this action and after all my work of on time payments and payoff I should be getting an increase. This decrease will only hurt my credit score in the long run doing the opposite of what I was hoping to achieve in better credit
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 XXXX XXXX XXXX reported an incorrect/innacurate late payment on my consumer report, I notified this consumer reporting agency on multiple occasions about the fact that this information was a breach of my individual privacy and that it was incorrect. 

On XX/XX/2021 I sent out a written notice by certified mail to XXXX, XXXX XXXX Equifax which was received on XX/XX/2021 by all three reporting agencies XXXX tracking : XXXX XXXX Tracking : XXXX Equifax Tracking : XXXX The consumer reporting agencies ignored my dispute and when I contacted them via phone call they mislead me into believing that my disputes were never received, after the 30 day period I proceeded to submit another dispute through certified mail to XXXX, XXXX XXXX Equifax in which they then proceeded to provide me with an automated response through their eoscar system which stating that the information was verified. Once I responded by asking them to provide me with the investigation results and documentation I was denied and sent a false and deceptive for which doesn't provide any actual or factual information just a statement from XXXX XXXX. 

I have been disrespected, violated and ignored and I can not take this anymore as these reporting agencies have ignored my right to a reasonable investigation. 15 USC 1681i states they have 30 days to investigate or remove the inaccurate information in which they took over 120 days to respond with a frivolous response. They have willfully 1681n and negligently 1681o non complied with federal procedures and I have been suffering due to their elaborate mechanism. 

For the third time I have submitted my disputes and when I called they told me that my letters are not in their system yet the tracking information states that they were received. 

XXXX XXXX : XXXX Equifax tracking : XXXX XXXX : XXXX XXXX XXXX XXXX Tracking : XXXX Attached are the letters that were sent as proof.
Complaint sub-issue: Debt is not yours

AFNI collection company has placed a collection on my credit reports that I do not owe. The original fault belongs to XXXX XXXX XXXX. The amount is for {$240.00} and originated from a false claim for monies due in XXXX, XXXX but was placed on my credit report on XX/XX/XXXX. In XXXX of XXXX, we switched our cellular service from XXXX XXXX XXXX to XXXX. I paid the amount due at that time and was told the account was closed and that there would be no more charges due. A month later I received a bill from XXXX XXXX XXXX for another month of service. I called them and they agreed that they saw notes where I had closed my account and paid in full and it should not have had charges after that. The representative told me she couldnt remove the charges but would have their billing dept remove it. A month later we got another bill for the same amount. I called again. This rep also told me it wasnt owed but it would have to be sent to the billing department to have it removed and that it would be no problem. I never received another bill and assumed it was taken care of. Two years later they addd it as a collection, via AFNI, on my credit report. I do not owe this bill. I believe they were angry I switched to XXXX and charges out another month and just expected people will pay it to get out of it.
Complaint sub-issue: Problem with fees

I had a Citibank credit card for several years which I cancelled in XX/XX/2018 XXXX last 4 digits of card were XXXX XXXX. There was never a late payment during this period although balances frequently ran in 4 figures ; during this summer I was allegedly late by 1 month on a {$57.00} balance. I spoke to Citibank employees both at their branch in XXXX XXXX, XXXX and over the phone, and was led to believe that they had agreed to waive late charges and interest on this account in return for my paying 2 merchandise charges which the bank had accepted after cancellation of the card -- the bank did not honor this agreement. I have received constant bills for late charges and interest on this {$57.00} transaction, and these have now totaled over {$100.00}! In addition, I now receive almost daily robot calls harassing me for payment. I am XXXX XXXX XXXX and have certain XXXX conditions which are exacerbated by this constant harassment by Citibank.Their charges are obviously excessive, and as a matter honor I will not pay them. I will cancel my checking accounts at Citibank and want assurance that this annoying invasion of my privacy will ceas
Complaint sub-issue: Problem with statement of dispute

Equifax Credit Report reflects adverse accounts which are beyond the XXXX year reporting period. According to the FCRA adverse accounts may remain on a consumers report for a period of XXXX years from the original delinquency date, which is the date the account first became delinquent and was never again current. In addition bankruptcy does not alter the original delinquency or extend the time the account remains on the credit report. While I filed bankruptcy in XX/XX/XXXX, the original delinquency date of these accounts is XX/XX/XXXX. This would result in these items being removed from my credit report as of XX/XX/XXXX. Upon disputing these items directly with Equifax the response was " There is no historical account information ''. If Equifax has stated that the creditor has no historical records, this would mean either the creditor and or Equifax has failed to maintain supporting documentation or these adverse accounts. I, the consumer should not be penalized by carrying adverse accounts on my credit report beyond the XXXX year reporting period due to the Creditors and or Equifax failing to maintain historical data or supporting documentation. I have requested supporting documentation of the investigation and advise by Equifax they are required to furnish such information. If the creditor has advised Equifax that there is no historical data, how can they on a second dispute that they have updated the information. How would the creditor provide updated information on an account that they have stated they have no historical records. Where would the updated information come from? Equifax is acting as a representative of the creditors rather than a neutral party by not requiring documentation from Creditors but requiring this from consumers. The account in question is XXXX. You may review the attached document for account number. Please remove this adverse account
Complaint sub-issue: Information belongs to someone else

I applied for a XXXX XXXX XXXX credit card today XX/XX/2020 and I was not approved. I was confused as to why I didn't get approved since I have a great credit history. I looked through my credit report and I saw several accounts and inquiries on my report that are not mine. I did not open any of those accounts and after making some phone calls I found out that those accounts were opened by a person named XXXX XXXX without my permission. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any purchases nor did I make any payments towards any account. I have already filed a police report regarding this matter.
Complaint sub-issue: Personal information incorrect

i XXXX XXXX noticed fraudulent loans and accounts were open in my name i was a victim of fraud when i was younger I did not authorize it.. 
FTC Report XXXX : XXXX FTC Report XXXX : XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX account number XXXX, XXXX XXXX XXXX  account number XXXX, XXXX XXXX XXXX account number 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: Reporting company used your report improperly

I recently looked at my credit report and noticed an account named enhanced recovery co l that is unknown and is connected to a fraudulent item on my credit report XXXX
Complaint sub-issue: Account information incorrect

I have two accounts with XXXX XXXX Bank and its showing late payment on XX/XX/XXXX and XX/XX/XXXX. I was never late.
Complaint sub-issue: Information belongs to someone else

To whom it may concern, Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or a similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is in 15 USC 1602 ( 2 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit ''. Notice Congress said any card. The credit card is my social security card. They should all be removed from my report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you please remove these from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I declare that this is a true and factual statement pursuant 28 USC1746. Sworn :
XX/XX/2021 Signed : XXXX XXXX SS # : XXXX
Complaint sub-issue: Contacted your employer

On XX/XX/2019, and employee of XXXX XXXX called my place of employment, XXXX XXXX ( XXXX XXXX XXXX ). I have never allowed nor given permission, and always denied permission for any of my debt holders to contact my place of employment. I have repeatedly asked them to stop contacting my family, friends or anyone other than myself on my personal telephone, and would rather them only reach out through mail. She provided my co-worker with information regarding my personal debt collection matter that should not have been disclosed. She shouldn't have even provided that she was a debt collector. I can not receive communications from anyone at my job that is not a medical or family emergency. This company should be reprimanded for harrassment and disclosure of personal information. As a note, my employer also notified her that she is not to call work with my personal matters.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Received a hair treatment Olaplex and Flat Iron on XX/XX/XXXX. However, the stylist used a wax which made my hair turn stiff as opposed to flow with body and volume. I called the next day on a Monday to inquire about this issue. I was informed the person whom was available to do my hair was leaving within two hours. I was unable to make it there within that time frame. Shortly after this I had symptoms of XXXX and quarantined myself for several days. Yes, I experienced other life issues which detained me. I went to the store XXXX and spoke with XXXX the general store manager to explain the above. Meanwhile, the next day the salon manager explained to me the stylist that did my hair is no longer with company and unable to redo The salon manageXXXX explained to me that their employees do not work without a commission, and I would need to pay for the new stylist. My response Is it my fault the stylist is no longer there. I said this will not work. I wanted to speak with XXXX but, I realized it would be redundant as I spoke with her initially. The salon manager hung up without saying bye. From the conversation it was evident she was not interested So if I will need to pay for the new stylist to correct my error. I need to have my previous service refunded because of the error in the result of my hair. The error was verified via the stylist and it was to be redone initially the next day but I could not make it there within the two hours given. With COVID guidelines I want to make sure that I am not passing on any symptoms and possibly virus to the public and I was in quarantine. It does not seem fair that I was not able to make it there accordingly and now I need to pay for a new stylist due to an error by your employee and I am being accountable for the redo at my own expense regardless to the fact my hair was UNSATISFACTORY
Complaint sub-issue: No notice of investigation status/result

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 the accounts I disputed. Being that they have gone past the 30 day mark and connot verify 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: Funds not handled or disbursed as instructed

I have opened up Citi Priority account with adequate fund ( {$51000.00} ) and have met all the requirements for bonus, but bonus amount is still not added. I have tried to reach out to the company and the fund were supposed to deposited this week, but the funds are not there.