Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account opened as a result of fraud

I was advised that an account was open under my name ( XXXX XXXX ) and my business name ( XXXX XXXX XXXX ) @ PNC Bank in New York. I advised them I 've never had an account with PNC and filed a complaint with PNC directly today XXXX XXXX, XXXX. As result causing me to have an issue with opening a business bank account with XXXX XXXX XXXX under my Business Name because it showing up in XXXX.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX has credit card that is showing open on my records that is reporting Derogatory information of fays late when its been paid & closed. Its was only for {$7000.00} & account is show {$1000.00} over its value. I have disputed it with Bureaus asking them to remove the account because it doesn't have a full account number accessible.
Complaint sub-issue: Report provided to employer without your written authorization

Credit Karma is suppose to help you with your credit, however they don't they tell me to sign up for loans and i don't get approved. Then my credit goes down for a hard inquiry and I don't get approved for anything after taking all my personal information.
Complaint sub-issue: Information belongs to someone else

This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease
Complaint sub-issue: Received bad information about your loan

I have had numerous difficulties with Sallie Mae regarding my account. Including receiving phone calls and voicemails, family members and my employer receiving phone calls. As well as the employees at Sallie Mae providing false information to my family regarding my payment history. I have tried to work with this company numerous times to make adequate payment arrangements and never get the same information twice when I contact them. Often times when I do try and contact them my contact person is not available and if I speak to a different individual they can not provide correct or accurate information.
Complaint sub-issue: Problem with personal statement of dispute

I have wrote several disputes to the credit reporting agencies about XXXX XXXX XXXX. Showing them each violation and its inaccuracies. I have asked them to Please perform an investigation and help me figure out why my credit report doesnt match my records. XXXX The XXXX XXXX is reporting different on each credit bureau XXXX shows {$1000.00}. XXXX shows {$0.00}. Equifax shows {$1000.00}. 

Each credit bureau shows a different date of last active. XXXXXXXX   Shows XX/XX/XXXX. XXXX shows XX/XX/XXXX. Equifax shows XX/XX/XXXX. This account was re-aged and is in violation and needs to be removed immediately. 

This account says Collection/Charged off. How can a collection have a charge off? and if it is charged off why does the payment history have late payments each month? this is a violation of the FCRA
Complaint sub-issue: Trouble with how payments are being handled

I have been enrolled in the Public Service Loan Forgiveness Program since XXXX. I have recertified my loans as required, and have never missed a payment. I am approximately 7 years into the program. Each time my loan splits into separate loans because of the maximum balance allowed, the payments are not updated. I recertified in XX/XX/XXXX, and am now showing only 10 qualifying payments. I have reached out numerous times and all but 10 of my payments since XXXX are under manual review. They have been under manual review for about 6 months. Each phone conversation I have has resulted in no advancement in the updating of my PSLF status. I am given vague answers with reasonable time frames to expect resolution, however my payments continue to be uncounted and my account remains outdated. I need this updated so I can plan when my loans are expected to be forgiven, and be sure I am being credited accurately.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/XXXX I attempted to withdraw XXXX $ from an ATM from the US bank branch on XXXX and XXXX in XXXX XXXX, South Dakota, and I was only dispensed XXXX XXXX Immediately, I logged into my mobile banking app and saw the transaction was processed as a XXXX $ withdrawal and I proceeded to call the national US bank number and file a dispute. About 2 weeks later, I received the attached letter via mail notifying me that the ATM investigation was completed and no error was found. I went to the same bank branch to inquire about the steps they took in the investigation process, such as how they counted the money in the ATM and who the team that did the investigation was, and I was told that my dispute had actually not been settled yet. I called the national US bank number again and tried to escalate my dispute or refile, and I was assured that they would get it sorted out. After probably upwards of eight more phone calls, I was told again today that the dispute was still pending ( over two months later ). The banker stated that the ATM money balance should have been counted long ago, however, so I am quite apprehensive that US bank is taking this claim seriously. In fact, due to the lack of correspondence other than the apparent error mail letter, I am beginning to wonder if the strategy of this investigative group is to just carry out the process as slow as possible in hopes that the complainant forgets about the issue or decides the hassle is no longer worth it.
Complaint sub-issue: Information belongs to someone else

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it is fraudulent & was opened without my consent or knowledge XXXX XXXX XXXX Opened Date XX/XX/2014 Balance {$0.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should 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, not later than 4 business days after the date receipt by such agency of- ( 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 bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as equifax 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$2500.00} ; XXXX XX/XX/XXXX
Complaint sub-issue: Problem accessing account

I wrote to U.S. Bank ( formerly XXXX XXXX  ) to ascertain whether my deceased husband, XXXX XXXX XXXX, had any safe deposit boxes or accounts with their bank. I sent U.S. Bank 's Legal Department my Letters of Office as Administrator of the Estate of XXXX XXXX XXXX, Deceased, in XXXX County Probate Court, XXXX XXXX XXXX as well as the Certified Death Certificate. Ms. XXXX XXXX of U.S. Bank Omnichannel Customer Service responded on XX/XX/XXXX, never stating that U.S. did or did not have an account in my deceased husband 's name, but requesting that I provide them with a " valid account number '' in order to process my request. My husband 's social security number is on his death certificate, and I told Ms. XXXX that this is the United States of America and that accounts are not tracked in the U.S. by account number only, as in a XXXX XXXX   account, and that she could locate any account for my husband by his name as he was the ony XXXX XXXX XXXX in the State of Illinois and likely in the country. I called U.S. Bank 's 800 number and was told they would file a report with their " Life Events Department '' who would be in touch with me. By taking me in circles, I believe U.S. Bank may have released the contents of my husband 's safe deposit box or accounts to someone else who was not entitled to it, i.e., possibly his daughter, XXXX XXXX, who is co-heir with me to her father 's estate. I need straight answers from U.S. Bank rather than being taken in circles with them requesting a valid account number. They never said, " We do not have an account at all for XXXX XXXX XXXX ''. I have provided the proper documentation and could provide a subpoena for their records if necessary through my Probate Attorneys, but I have spent thousands already in legal fees and only want a bona fide answer as to whether U.S. Bank has accounts or safe deposit boxes in my husband 's name.
Complaint sub-issue: Information is missing that should be on the report

Add Remarks to the following credit entries on my credit report. 
XXXX XXXX XXXX 1 ) Attempted to catch up on my past due payments in XX/XX/2017, but was told no by XXXX in a rude and threatening way. 
2 ) XXXX tried to use XXXXXXXX XXXX XXXXXXXX of XXXX to collect to past due amount but was attempting to collect a higher amount and violated the FDCPA. 
3 ) The Repossession company they hired breached the peace by illegally entering the house and made demands, they was told to leave immediately. 
4 ) XXXX still charges interest on this closed off account and shows i haven't made any payments before it went in to default status.
Complaint sub-issue: Threatened to sue you for very old debt

Called claiming to be a legal processer. Said i owed a debit for a credit card opened in XXXX of 2014. I was in middle of a seperation and did not open a credit card. The demanded payments or Said they were going to have me served by local sheriffs department. Orignial voicemail was a robot saying they had fax for me. I asked repeatedly for verification notice and they keep telling me its to late for that. They called my brother and mother today and told them they were looking for me because i was ignoring their calls after i had spoken to them mulitply times mon and tues and today. They told me they would settle debt for less if i paid now but they refuse to verify debit or company. The first time they called they said they were T H E legal processing. The second time they said they were tristar legal processing. The number they called off of is different than the number they said to call back.
Complaint sub-issue: Investigation took more than 30 days

Completed online dispute with the credit reporting agencies on XXXX XXXX, 2017. Currently still showing the disputes are in progress to-date. Below are the accounts that are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX {$1600.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX {$100.00}
Complaint sub-issue: Problem getting a working replacement card

I applied for a citi Bank credit card, on XX/XX/2018. It was approved on XX/XX/2018 which i confirmed over the phone and received an email advising my application was approved. On XX/XX/2018 I still have not received any mail from Citi Bank. I am unable to activate a card because the card has not come through the mail. I have made numerous calls to Citi bank and verified my address multiple times with different supervisors. I have already received an email showing my account balance of XXXX and showing how to make payments. The XXXX credit limit has already impacted my credit score. When I called for the 4th time today on XX/XX/2018 I was informed that they had the wrong address even though I confirmed my address 3 times. I have talked to more supervisors then i can remember at this point and have been told multiple stories about how the card was sent with an added apt number or the wrong city, or not at all. No one in the company as shown any accountability. I am now waiting for the 4th time a 7-10 days before I can start the process over if not received. As a consumer I find in unacceptable that they are reporting my credit limit to my credit report but I have no way to actually use the credit I was approved for.
Complaint sub-issue: Investigation took more than 30 days

Equifax, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Mr. XXXX, in 30 days and or til date, despite Mr. XXXXs repeated requests. Second, Mr. XXXX requested Equifax to provide the method of accuracy & verification used by Equifax pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Equifax remains non-compliance till date. Third, Mr. XXXX requested Equifax to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Mr. XXXX. Hence, Equifax again went silent.
Complaint sub-issue: Didn't receive terms that were advertised

I opened a checking account and a savings account late XXXX, 2019 with citibank under a promotion they were running where you would get a {$400.00} bonus if you opened both accounts and put so much money in the account for 60 days. I did meet the requirements and had not received my bonus money so I called. I was told I had to wait another 90 days to receive the bonus money, so it should be in my account middle of XXXX. I just called today to inquire and the gal originally said I had to wait until XXXX for the bonus. After I explained to her what 60 days plus 90 days equals in months she proceeded to calm down and look into it further. After being on hold for 10 minutes she came back and said I should have been paid last week but for some reason I wasn't and she would have to transfer me to someone that dealt with online bank accounts. She proceeded to hang up on me. I would like my {$400.00} bonus money paid as agreed by 2 parties now that said I met the requirements for the bonus money, as well as a look into the poor customer service I received on the phone today. XX/XX/2019 roughly XXXX central time. Thank You.
Complaint sub-issue: Information belongs to someone else

im an id theft victim these accounts are not mine XXXX XXXX opened XX/XX/2015 {$51000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of  FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Complaint sub-issue: Investigation took more than 30 days

I have disputed accounts listed on my credit report with Equifax. I have sent certified letters for tracking purposes. I sent a letter in dispute of listed accounts of XXXX, XXXX XXXX XXXX, and XXXX XXXX. I had requested verifiable proof that I owe these debts to these companies ; I requested copies of the original consumer contract with my signature on these contracts showing that I owe these companies these debts. I have asked for first and last names of the end users at Equifax that have been working my file. I have provided sections of the FCRA proving I am entitled to all the information that I have requested. Equifax has failed to supply any of my requests. On XX/XX/XXXX, I sent a certified letter to Equifax ( XXXX ) and as of XX/XX/XXXX, they have not responded. I sent a follow up letter on XX/XX/XXXX XXXX XXXX ) stating they must remove all accounts that have been disputed due to a non response within 30 days of the dispute. Equifax still has not responded. I am demanding these derogatory accounts be removed immediately due to continuous, multiple violations. 

Who performed the independent investigation? How did they come to the conclusion that the debt is valid? Explain exact methods and how the " reasonable investigation '' was conducted.
Complaint sub-issue: Account information incorrect

I recently reviewed my credit report and noticed the following errors that are negatively affecting my good character and reputation : ACCOUNT NAME : Bank XXXX XXXX OPEN DATES LAST REPORTED DATES DATE LAST ACTIVE
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX  XXXX  XXXX {$960.00} XXXX   XXXX {$680.00} XXXX XXXX XXXX {$640.00} XXXX/XXXX  XXXX {$640.00} XXXX/XXXX   XXXX {$490.00} XXXX/XXXX  XXXX {$570.00}
Complaint sub-issue: Account information incorrect

XXXX XXXX has continually failed to report the correct information to the credit reporting agencies. They acquired my loan last XX/XX/2018. I have dutifully ( despite their errors ) paid all payments on time and in excess. They have failed to report a correct balance, the monthly payments and are now claiming on the attached Equifax report that the loan has been sold. I have not been notified of this as per RESPA. 
They also claim it was opened in XX/XX/2018, also a lie. 

So to be clear the following items are falsely reported to the credit agencies : Date Loan was opened with them. 
Current Balance Date of last payments Date of last activity Monthly payment amount Loan transfer/sale
Complaint sub-issue: Deposits and withdrawals

Citibank locked my checking account because of suspicious activity, I was supposed to receive a paper in the mail with a number to unlock my account which I have not received in 2 months.
Complaint sub-issue: Problem with personal statement of dispute

i am file a complinat against XXXX XXXX XXXX XXXX for file inaccurat report on my wife and my check account with the number isXXXX a account that we have has over a number of year. a credit agent clarity consumer report agency XXXX XXXX XXXX XXXX XXXX. the infomation that they release to the XXXX XXXX the decline based these factor on unacceptable bank account history and unacceptable bank account acivity. this is a critcal issue in a finacail live '' this a consequence. my wife and i never missed used any bank account please check with XXXX XXXX  agency. there is evidence demonstrate how clarity consumer report agency misrepresent customer account. this information is false and inaccurate that they has. and it need to be correct now. they just get sue for over XXXX XXXX by the government
Complaint sub-issue: Problem with statement of dispute

An item not belonging to me ( XXXX XXXX Credit Card ) is showing on Equifax. I first filed a dispute on XXXX/XXXX/XXXX. I have since filed 4 more disputes. I have also spent hours on the phone with both XXXX XXXX and Equifax. XXXX XXXX shows the item as removed from my name and credit. They sent me a letter confirming this XXXX/XXXX/XXXX, which I forwarded to Equifax. Equifax is still denying the removal from their reports, stating that XXXX XXXX confirmed the item as belonging to me. XXXX XXXX is stating that they did not receive an inquiry from Equifax. Neither company will call the other and both blame the other, with me stuck in the middle. I keep being told to file another dispute and it will clear this time but I 've already filed 5 disputes. No other credit agencies shows this item as belonging to me, leaving me to believe the issue is with Equifax.