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

Dear XXXX XXXX ; Failed to provide proof and method of investigation ... What was your method of investigation, because I specially contacted both your agency and the original creditor directly asking to see detail proof of all documents and transactions that I was ever late and I received a 1-page genetic template that they are reporting ACCURATE. How? I 's my understanding that they need to report information accurately and you have to ensure that information on my consumer report is reporting within the guidelines and provisions of FCRA. Again, this item I am disputing is listed below and Ive either attached screenshots with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws. There are inconsistent with the way each credit bureau is reporting the late one said that I was late and the other said that I was OK for that month.different dates of last payment, last reported, last active, etc.
Complaint sub-issue: Old information reappears or never goes away

Following a review of my XXXX credit report, I determined that said report contained an XXXX/Citibank credit card that was closed over 10 years ago. I initially disputed the account as antiquated to no result. Not only did XXXX ignore my dispute, Citibank did as well. They simply failed to respond. 

XXXX/Citibank - under account number XXXX - should not remain on my credit profile as any and all negative activity far exceed the seven year retention period as allowed under the Fair Credit Reporting Act.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. It has been 60 days as it stands and I have gotten no response from the credit bureaus. This is totally unacceptable. At this point, it is clear that my disputes are being ignored. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report. It has been 60 days since my dispute so they should be deleted promptly. It has come to my attention that my information was impacted by the Equifax data breach and may have been in the hands of the wrong person. I am demanding these items be removed immediately or I will be forced to file for litigation due to the stress you have caused me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In XX/XX/XXXX I pulled my credit report after receiving a denial for credit in the mail from a place called CBNA ( Citibank. ) I called the number on the letter to let them know I did not apply for credit thru them. I was transferred 4 times and then hung up on. This happened 3 times. I finally got through to someone and they stated that I had to go through the credit reporting agency to fix this. I did that as well and was told by XXXX  as well as XXXX   that I needed to contact CBNA directly. I contacted the again, got the run around again, and finally spoke to someone named XXXX. He told me it was a soft inquiry and it shouldn't be on my report. I stated that I have not filled out any kind of credit requests since XX/XX/XXXX. He stated this was common and it doesn't count against me on my credit report but I see that it does. I want this removed and no one will help me. I didn't sign up for any credit cards or lines of credit. No one is listening to me and it's frustrating. 

My other issue along the same lines is that I bought a car last year from XXXX XXXX and they pulled my credit report twice in 24 hours. It's showing that I have 2 pulls from them on my report and it's counting against me. I contacted XXXX  and XXXX  to ask why and again I got ... .you need to contact XXXX XXXX . I contacted them and they told me that it doesn't count against me but it's showing that it does. They did tell me that FICO gives me 14 days to shop around yadda yadda yadda but it's on there and it's counting against my report. 

If I could get any help that would be great! 

Sincerely, XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

Equifax failure to MOV, in accordance to FCRA 611 [ 15 U.S.C. 1681i ] and FCRA 609 [ 15 U.S.C. 1681e ], within the time set forth by law on my disputed Items.
Complaint sub-issue: Confusing or misleading advertising about the credit card

My problem is with Credit Karma they said I was approved for credit and I wasn't. The second problem I have with Credit Karma is they told me my credit score would not be affected by soft credit checks, another lie. My score has dropped drastically because of this action. I no longer look at credit Karma for help for fearing it might do more damage to my credit
Complaint sub-issue: Information belongs to someone else

Equifax failed my requests at removal, made mochery of my credit report, and added things to my statement that I did not authorize, most recently on XXXX without my consent, authorization or permission. They also won't remove the following information in the enclosed attachments. 

They also charged me a subscription fee and I am not allowed access. I will attach that as well. I pay for access, and can't access it. My last known credit report, which for the last several years, has been only a "? ".
Complaint sub-issue: Information belongs to someone else

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX. XXXX. NC XXXX. XXXX XXXX To Whom It May Concern : This letter is regarding XXXXXXXX XXXX XXXX  an unaware and unauthorized collections on my credit reports on all three bureaus which you claim I owe $ XXXX is a formal notice that your claim is disputed, this is not mines. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have XXXX or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue.

I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Complaint sub-issue: Didn't receive enough information to verify debt

I had two accounts with XXXX XXXX  ( XXXX, XXXX XXXX ). Due to unemployed these tow bills when into collections. The first collection agency was XXXX XXXX XXXX XXXX XXXX, I sent them a letter stating that their company did not have license to collect a debts in the state of Maryland. So in XX/XX/XXXX I received letters stating that my accounts had been sold to D & A Services. I sent them a letter stating that they did not have license to collect in Maryland, the letters was sent XX/XX/18 and XX/XX/18.In the letter I asked them to remove the two accounts from all 3 credit reports. I have not yet to get a response from their company.
Complaint sub-issue: Transaction was not authorized

I hold a mortgage through PNC Bank, as well as a checking account and a home equity line of credit. My original mortgage was opened in XXXX of XXXX, although I have refinanced it twice ( both times with PNC ). Because of the mortgage account, PNC offered a free checking account ( and in fact, they require you to have it along with the mortgage ). 

On at least three occasions ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), PNC has assessed a $ 15 monthly fee to my account even though this was not in accordance with the terms of the account. Two of these three charges overdrew the account. PNC has admitted the error was theirs each time and reversed the charges, including the additional overdraft fees. 

I am writing because this practice is unacceptable and puts an undue strain on customers. I should not need to police my unwanted checking account to make sure the bank is complying with their own policies.
Complaint sub-issue: Debt is not yours

This is the third time your fraudulent institution has damage my person and personal consumer profile with an alleged debt that you are collecting that has already been proven not in compliance and unable to be verified. This account has already been removed from my consumer credit report twice but here you are again fraudulently trying to masquerade as a creditor when in fact you are a debtor and a trespasser on an alleged original consumer contract that you were never a party too. 

I am well aware of the FACT that YOUR Firm has a MAXIMUM of 30 days to PRODUCE ALL of the mentioned information in detail on the attached document, PERFECTLY without a single mark or error on even ONE of the many a multitude of items and data entries of which you MUST demonstrate to ME physically with irrefutable documentary evidence of certified truthfulness and equally of adequately accurate, complete and timely reporting above and beyond compliance. If your firm CAN NOT produce ALL of the above-noted documentation in the allotted time frame, I will accept a written NOTIFICATION stipulating that your firm CAN NOT COMPLY with the FDCPA and formally withdrawing your claim to this alleged debt is demanded. If you choose to ignore this demand, I will pursue a direct course offered to me under the SETTLEMENT AGREEMENT entered into by the Credit Reporting Agencies with the ATTORNEY GENERAL OF THE STATE OF NEW YORK XXXX XXXX XXXX XXXX XXXX XXXX and 37 other states that specifically EMPOWERS a working group to remediate and hold accountable and sanction data furnishers who fail to meet the requirements of the FDCPA and CFPBs compliance guidance for Professional Debt Collection Practices. If your firm chooses not to respond to this VALIDATION demand and its conditions I will NOT hesitate to FILE suit and SEEK my own payday against your firm for malicious collection activities-see Fields v. Wilber Law Firm, Donald L. Wilber and Kenneth Wilber, USCA-02-C-0072, 7th Circuit Court, Sept. 2004. You have 30 days from the postmark date of this validation demand to answer.
Complaint sub-issue: Their investigation did not fix an error on your report

X/XX/2017 X/XX/2017 I 've contacted all 3 credit agencies in regards to validating the U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The Bankruptcy Court mailed me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the U. S. Bankruptcy Courts confirmed XXXX, Equifax and XXXX Credit Bureaus has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with PNCBANK. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and PNCBANK with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Complaint sub-issue: Their investigation did not fix an error on your report

Years ago I had a sears credit card.Sears went out of buisness and I assumed the account was closed.The sears credit card was through citibank north america.Then, for some reason, I ended up with a shop your way card from citibank that showed up on my credit reports.I never signed up for a shop your way card through citibank nor did i ask for my sears card to transfer over to shop your way card.I never asked for a increase for credit for shop your way card or ask citibank to reopen the shop your way card when they said it was denied.Citibank needs to provide proof that i signed up for a shop your way card or asked to reopen or increase in credit.Never had a option to opt out as well.On XX/XX/XXXX at XXXX I called customer service and spoke to " XXXX  '' ( # XXXX ) and she stated she doesnt have any paper work and cant provide any paper work to me. 

card number ... XXXX member since..XX/XX/XXXX valid thru ... .XX/XX/XXXX account closed on ... .XX/XX/XXXX or XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX are reporting incorrectly collections on the DP OF EDUC partial account numbers : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 10, 11 and 12 of the attached credit report. ) I contacted the Department of Education and spoke to a representative who directed me to make payments of {$5.00} a month toward these loans for a consecutive period of ( 6 ) months and by making these on-time, monthly payments, these accounts would not be turned over to collections, nor would there be any reporting of lates on these accounts reflected my credit report. I have attached a copy of the email communication regarding these payment arrangements with XXXX XXXX XXXX XXXX, showing the required monthly payments. This incorrect reporting of collections is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this, however I have not been successful.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed this account 2 times since XXXX and they keep telling me that it is verified but not showing me what they have on file to verify this when I can't even get the creditor to verify this account
Complaint sub-issue: Billing problem

on XXXX/XXXX/XXXX at XXXX I sent the 3 months payment thru XXXX XXXX. To XXXX XXXX account XXXX recived code XXXX for the amount of {$2200.00} on XXXX/XXXX/XXXX my car was picked by the bank at my job. I called the bank and they stated the payment was rejected and that it would be returned within 10 days. I been calling since the 10th business day and they keep saying the payment was rejected but no money has been sent back to XXXX XXXX. I have also been calling XXXX XXXX, they also requested a cancelation since I had XXXX on speaker when they stated they had rejected and denied the money sent. I was laid off from my second job and stared getting behind how ever they should return my money since the car is in there position & the stated they decline a payment that I have yet to received. They keep stating they rejected the payment. Im a mother XXXX XXXX XXXX with no financial help from anyone. I under stand the car getting picked up if I did n't pay at all but the money was sent.
Complaint sub-issue: Can't temporarily delay making payments

I was laid off XX/XX/2020 and have been unable to return to my previous job. 
Ive had several interviews but nothing has resulted in employment yet except for one offer that fell through because of the pandemic. Ive explained this to my loan service company several times. I can not make any payments right now but they continue calling and mailing threatening letters and trying to ruin my credit.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have been trying to get ahold to the 3 bureaus about my consumer file concerning some things being furnished on my consumer reports however, I have not been able to get assistance regarding my files and need assistance. thanks
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX  XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX and XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax released my personal info to unknown person ( s ) without my permission. They did not do enough to secure my personal information from theft from their servers. They did not attempt to notify me when it occurred. They have offered limited ( 1 year ) of fraud protection, if I wave my right to pursue any legal action.
Complaint sub-issue: Problem with customer service

On XX/XX/XXXX I called FedLoan servicing and requested a copy of the XXXX  repayment plan letter detailing my monthly payment amount ; the letter was originally sent to me on XX/XX/XXXX. I was told by agent # XXXX that I would receive the copy by 3 business days or by XX/XX/XXXX. On XX/XX/XXXX I did not receive a copy so I called again. This time agent XXXX who did not identify herself with a number told me it takes 5 business days and I would receive it by XX/XX/XXXX. On XX/XX/XXXX I did not receive my copy, so I called again and spoke to agent XXXX who NOW told me the request takes 7-10 business days. I have received different information every time I call. I want a copy of the XXXX  approval letter sent on XX/XX/XXXX sent to me immediately.
Complaint sub-issue: Information is incorrect

On My Equifax Credit Report seems to be a few things that have not come off that they had agreed to take off The following addresses I am not associated with : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, ME XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Employment info is also incorrect XXXX XXXX XXXX XXXX i do not work at I am with a company called XXXX I am just looking for those addresses to be updated and the employment info updated. Thank you
Complaint sub-issue: Account information incorrect

Discover account was removed and replaced. Between XX/XX/2022, and XX/XX/2022, the following remark and account were removed from my Discover account, Account information was disputed by me, and met the FCRA requirement PLEASE REMOVED THIS ACCOUNT IMMEDLY, ONCE AGAIN PLEASE REMOVE THIS ACCOUNT OOF MY CREDIT REPORT, THIS ACCOUNT IS DAMAGING MY CREDIT SCORE AND BEING USED TO BRING DOWN AND DISCREDIT ME AS A CONMUSER AND THIS IS AGAINST THE LAW, IF NOT REMOVED I WILL BE FILING CHARGES. SEE BELOW FOR PROOF OF THE ACCOUNT WAS REMOVED. tHIS ACCOUNT HAS COST ME AND MY KIDS A HOUSE WHICH i HAD UNDER CONTRACT WITH A REALTOR, PLEASE REMOVE NOW OR A LAW WILL FOLLOW
Complaint sub-issue: Application denied

I was told by discover that because they did not receive personnel information even though I showed them I sent them the information on there XXXX there was XXXX balance and now the credit report agency is holding it against me because I was told by discover because I was in the hospital and they did not receive they can not do nothing but hold this against me I think this is unfair when the card had a XXXX balance and I tried to explain it its discriminating an individual
Complaint sub-issue: Was not notified of investigation status or results

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 
The items below should all be updated to paid as agreed on my consumer report. I will seek monetary compensation if this isnt handled
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Per Consumer Law, 15 U.S.C 1681b - Credit reporting agencies such as, Transition, Equifax, and XXXX does not have the right to report anything or any matter with a consumers written consent. 

15 U.S.C 1681c - 1 Without my written consent these items still remain on my credit and I want them removed immediately because this is identity theft. 

Here are the inquiries below I do not recognize on my credit report and did not consentCompany Name : XXXX XXXX Date : XXXX Company Name : XXXX XXXXXXXX XXXX  Date : XXXXXXXX XXXX Company Name : XXXX XXXX Date : XXXX XXXX Company Name : XXXXXXXX XXXX Date : XXXXXXXX XXXX  Company Name : XXXX XXXX Date : XX/XX/2022 Actions That Were Taken ; I have called and sent letters and no response has been given in regard to the above inquiries.
Complaint sub-issue: Account status incorrect

Different credit inquiries on my credit score that dont belong especially with banks. Ive sent several disputes no responds yet.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I sent a letter to equifax and they told ne that there was nothing on my credit for them to take off but I have a lot of inquiries as well as derogatory marks. this is crazy because my score is low and im trying to fix it but can't because they are saying there is nothing there.. I also have the letter to prove it if I need to.