Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

I recently had my credit profile pulled. Upon looking at this report I have noticed theres an account thats not mine and were never late. I sent a dispute letter in regards to XXXX EQUIFAX and XXXX on XXXX and XXXX asking that it be removed. Please note response should have been provided by date XX/XX/2021. I have not received report and XXXX  EQUIFAX and XXXX are over the time frame required to submit a report to me. Please investigate and send me an updated report.
Complaint sub-issue: Investigation took too long

I submitted an online dispute with Equifax ( confirmation # XXXX ) on XX/XX/2017 regarding an inquiry entitled " XXXX '' that appeared on my Equifax credit report on XX/XX/2017. Today is XX/XX/2017 and I have NOT received a response from Equifax regarding they validated this was a valid inquiry. I sent Equifax a US mail certified letter on XX/XX/2017 demanding they remove this inquiry from my credit report because they have failed to prove it was a valid inquiry within the time allotted by the Fair Credit Reporting Act. Equifax sent me a letter ( see attached ) dated XX/XX/2017 that had NO response to my initial dispute ( confirmation # XXXX ) and no resolution mentioned. The dispute still shows pending on their website when I checked the status on XX/XX/2017. They are now in violation of the provisions listed in the Fair Credit and Reporting Act and I demand they remove ASAP or I will seek legal action for this violation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX person call me from there office asking me about an account back in 2002 with XXXX XXXX XXXX in regards to my credit card running late. First I still have XXXX XXXX XXXX  card in which I spoke to them and told them that the person called me from XXXX  XXXX telling me about my credit and going down my credit report one creditor after another one and asking me why I disputed this and that. Was asking me questions about my credit cards and how one of my XXXX credit cards had a high limit. XXXX XXXX obtain information that is false as I was told by XXXX  XXXX bank back in 2002. XXXX  XXXX also ran my credit in places I did not give them permission for some one to go down my file. XXXX XXXX is not a credit bureau nor a Financial place of business to be calling me going over my credit file asking me about things finance and why I disputed who I disputed and why. I see fraud done to how they obtain my information and want the credit bureaus to mail me a copy out regarding any credit pull by a company named XXXX XXXX. I have had fraud done.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, I sent an investigation request to the credit bureaus, asking them to correct errors on my credit report. According to the Fair Credit Reporting Act, they are suppose to respond with the results within 30 days. They have not responded within the time-frame allowed by law.
Complaint sub-issue: Account information incorrect

The FCRA applies only to the 3 main credit reporting bureaus -- Equifax, XXXX, and XXXX. ... Equifax, XXXX, and XXXX  are legally obligated to provide identical information Equifax and XXXX  are reporting that my XXXX  account is {$400.00} which is inaccurate. Per my XXXX  account that has the accurate information with an amount of {$460.00}.

XXXX  reports to all 3 major credit bureaus there for all 3 bureaus should show {$460.00} as my credit balance.

I have disputed multiple accounts with XXXX  and equifax and I am not getting anywhere.

Below I will attached all 3 reports so the information is able to be verified per accuracy.
Complaint sub-issue: Transaction was not authorized

In the month of XXXX, many users of XXXX XXXX wireless phones had their numbers " ported '' to XXXX XXXX fraudulently. ( I have attached documentation of this to the end of this complaint ). Once the " port '' occurred, the hackers took control of people 's phone numbers and used it to gain access to their accounts, such as XXXX ( a cryptocurrency app ) and used that to charge their bank accounts. Many users online are reporting this fraud. 

My telephone number XXXX was ported without my permission on XX/XX/2021. I lost control of my phone number that day. 

I was then the victim of identify theft and unauthorized charges from PNC bank on XX/XX/2021. 

Specifically, the following charges were made on my PNC Bank account : XX/XX/2021 - {$200.00} - XXXX - ACH WEB XXXX XX/XX/2021 - {$200.00} - XXXX - ACH WEB XXXX XX/XX/2021 - {$200.00} - XXXX - ACH WEB XXXX XX/XX/2021 - {$200.00} - XXXX - ACH WEB XXXX XX/XX/2021 - {$200.00} - XXXX - ACH WEB XXXX I bank with PNC Bank and I immediately called PNC Bank on the XXXX to report the fraud. I was told that my username and password were being charged and a new debit card would be issued and that a dispute was being filed. 

The following day on XX/XX/XXXX, I went to the PNC Bank in XXXX, North Carolina and was told that no dispute was filed, no user id / password was changed, and my debit was not cancelled or stopped. At that time, they filed the dispute at the branch. The charges were still pending at this time and had not posted. They told me the charges must post before a dispute could be filed. 

Please understand that during this process I didn't have access to my phone number ( and still haven't gotten it back yet ) due to the identity theft. 

On XX/XX/XXXX, I received a letter from the bank that denied my dispute for these fraudulent charges, even though they are obviously fraudulent, repeated {$200.00} charges and many other users are experiencing the same behavior from XXXX. 

Also, I was charged overdraft charges due to the fraud and a {$33.00} charge to stop my debit card due to fraud! 

The letters say that " the date you revoked your authorization with ( the transactions ) was after the transaction posted. As a result, a credit will not be issued to your account. '' But this isn't true. As I mentioned, I called the bank on the XXXX and went in the following day to explicitly revoke any authorization for those transactions. Importantly, I was told that I couldn't dispute the transactions UNTIL they posted. But now they are denying my dispute on the grounds that I didn't revoke authorization until after they posted .... 

HERE ARE OTHER USERS THAT ARE EXPERIENCING THIS PROBLEM RIGHT NOW AS WELL WHO HAD THEIR NUMBERS STOLEN : https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 an account under " XXXX ''. I have no knowledge of the account being reported on my report. 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. I need physical proof because I have no record of this account. Their response was that it was " verified '' but did not provide either the name of the employee who verified the account or physical proof of the verification off the account. Please resolve this matter as soon as possible.
Complaint sub-issue: Account information incorrect

Around XX/XX/2020, I lost my XXXX card. Immediately, I reported it lost. A XXXX representative said he would cancel the card and another would arrive in a week. About a week later, I discovered I could not access my online account to see unauthorized charges. A message stated I no longer had an account with XXXX and was given a number to call. The number was to XXXX XXXX, who had no information about me. 
I was locked out of my account and I had no way to contact XXXX. That when I went on their XXXX account and was able to get a number to speak with a representative. 
The representative again canceled my card and issued another. He could not explain why my online account was locked or why I notifications said I was no longer a customer. 

It's now over three weeks and I have not received a new card. Today, my credit report showed my credit score dropped XXXX points because of XXXX. According to Equifax, my credit score decreased XXXX points because a XXXX balance increase of {$180.00} and the account number changed. This is the second time XXXX reported false information.
Complaint sub-issue: Investigation took more than 30 days

In accordance with the Fair credit reporting act USC 1681 ( i ) ( a ) ( 1 ) ( A ). Can you reinvestigate the completeness and accuracy of this accounts Account Name. Account number XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX*15 USC 1681 section 602A .States i have the right to privacy 15 USC 1681 section 604 A section 2 . It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe the information is inaccurate.
Complaint sub-issue: Received bad information about your loan

I had a XXXX in XXXX 2016 and went on the income=driven repayment plan as both my husband and myself were not working. I was advised by XXXX that the Federal Government would pay all of the interest on my subsidized loan and half on my unsubsidized loans. However, I do not believe this ever happened. I have contacted XXXX approximately ten times over the course of the year and each time have received totally different responses. At various times I have been told 1 ) they bill the Federal Government quarterly ; 2 ) they bill once a year ; 3 ) they had billed and were waiting for payment ; 4 ) that interest had stopped accruing on my account from the date I went on this plan, and most recently that 5 ) the government had already paid. However, NO record of payment has shown up in my account and it appears that all accrued interest was capitalized.

I am extremely frustrated. I do not believe that their customer services know anything about this process and keep trying to give me the run-around about what has happened. Today they claimed there had been payment but they could not provide me with any documentation of that payment, and it appears the balances are the same ( including the capitalized interest ).

It appears to me that the customer service agents have no idea how this process work, and make things up to cover for their lack of knowledge. I have spoken to supervisors there and continue to get the run-around. Today the representative I spoke to offered to transfer me to someone with whom I could file a formal complaint ; after being on hold for 20 minutes I gave up.
Complaint sub-issue: Was not notified of investigation status or results

Please remove these negative items off my report its been more then thirty days I have not gotten any confirmation or supporting documents for these items please remove items off my report
Complaint sub-issue: Information belongs to someone else

I want to inform you AGAIN I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later, I have not received a response yet. I feel like I am being taken advantage of as well as my disputes are being ignored. As plainly stated in SECTION 611 ( a ) a failure to investigate these items within 30 days gives a reason to IMMEDIATELY remove those items from my credit report. I has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this have caused me. my information was also impacted by the Equifax data breach and may have got in the the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

I received a text from phone number XXXX stating that my CITI account had a {$780.00} transaction/withdrawal attempt that was declined from XXXX XXXX XXXX When I tried to call the number, it was not CITI. Since this happened today, Sunday XX/XX/XXXX, I will have to wait until tomorrow to call CITI. I was also provided with a link to CITI, XXXX XXXX XXXXXXXX. This link connected me to a CITI log-in.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Public record information inaccurate

THE DISPUTED BANKRUPTICIES HAS BEEN DISCHARGED IN THE COURT OF LAW AND NO CREDITORS ARE ALLOWED TO REPORT DISCHARGE CASES. THOSE BANKRUPTICES HAVE BEEN HURTING MY CREDIT AND HAS PREVENTED ME FROM ACQUIRING NEW CREDIT, IT HAS BEEN TOUGH BECAUSE THERES SO MUCH THAT I AM TRYING TO ACCOMPLISH FOR MY BUSINESS AND DUE TO THE NEGATIVE ITEMS AND INACCURATE REPORTINGS IT HAS HOLD ME BACK FROM DOING THAT. PLEASE INVESTIGATE THIS AND HAVE ALL THE DISPUTED ITEMS REMOVE. PLEASE SEE THE ATTACHED PAPERWORK FOR THE DISCHARGE INFORMATION.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do a thorough investigation on my XXXX, XXXX XXXX and Equifax credit report. They said they did a thorough research on the accounts. They never provided proof after I asked and requested them too and proceeded to keep the accounts on my credit profile without proper investigation and proof of original signatures and contracts. I found discrepancies and inaccuracies on the accounts and asked them to be removed them and they refused. 
Below are the following accounts in question. 

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX
Complaint sub-issue: Information is missing that should be on the report

XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, VA XXXX DEAR Creditors : Recently, I received a correspondence from XXXX  Credit Reporting Agency and/or it's attorney ( s )  XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with XXXX  or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between 650-680 or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services.

In the year of XX/XX/XXXX and prior : ( These credit cards had large credit limits with the greatest of the limits being {$10000.00} and below. ) XXXX  XXXX XXXX  XXXX. XXXX  XXXX XXXX, VA XXXX Credit Limit between {$7500.00} and {$10000.00} Citibank ( Citicorp.com ) c/o CitiCorp XXXX. XXXX  XXXX XXXX XXXX, SD XXXX Credit Limit between $ 7,500.00+/- and $ 10,000.00/- XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, DE XXXX Credit Limit below $ 7,500.00+/- XXXX XXXX XXXX XXXX XXXX XXXX. Ohio XXXX ( Closed prior to XX/XX/XXXX ) XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( Closed prior to XX/XX/XXXX ) In the year of XX/XX/XXXX and thereafter : XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, DE XXXX Date ( s ) of final payments : XX/XX/XXXX-XX/XX/XXXX Amount paid {$1700.00} Balance due : {$0.00} ( reestablished credit card account ) XXXX XXXX. XXXX  XXXX XXXX XXXX, IL XXXX Date ( s ) of final payments : XX/XX/XXXX Amount paid {$680.00} Balance due : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00} XXXX XXXX XXXX   XXXX XXXX. XXXX XXXX XXXX, DE XXXX ( only one account with two possible addresses ) Date ( s ) of final payments : XX/XX/XXXX Amount paid {$720.00} Balance due : {$0.00}
Complaint sub-issue: Problem getting your free annual credit report

Went to Exquifax website and put in my " last name '' " SSN '' and " birthdate '' and it report that they did not have a match for data submitted ... .So unable to enter the site and get free credit report of find out I 'm one of the 143 million people compromised! Help!
XXXX XXXX
Complaint sub-issue: Debt was paid

Regarding my son XXXX XXXX born XXXX XXXX, XX/XX/XXXX.I received a bill in the amount of {$530.00} from XXXX XXXX XXXX XXXX but to my sons XXXX he was rushed to the Hospital. I contacted the number on the bill, I gave the rep my Insurance info with XXXX. Not sure what exactly happened but somehow they billed Medicaid instead, therefore making this billing error their mistake. since they could n't collect from medicaid since i do not have medicaid they sent my account to a collection agency called Bay Area Credit and they are now charging me {$540.00} as they are adding interest to my original bill. I then called XXXX XXXX again spoke to the rep to let her know that they are billing the wrong Dept as I do not have medicaid, she said it was the same thing but it is n't plus i know my insurance was n't billed cause when i log into XXXX I dont even see the bill at all as denied or paid so it was n't out through to my proper Insurance, the customer service rep for XXXX even gave me an claim id XXXX, she told me that she would resubmit the bill and that she is putting a 30 day hold by sending collections an email until they collect payment from XXXX that was on XXXX XXXX, XXXX. Now its XXXX XXXX, XXXX, I receive another letter from Bay Area Credit Service in my sons name trying to collect a debt, saying that they will effect his credit report, how can they collect from a minor, as my son is XXXX and why charge a late fee for a bill that was n't paid because of XXXX XXXX XXXX 's billing mistakes. There billing department is constantly billing to medicaid even though i inform them it is incorrect, therefore if my Insurance was n't even billed why was my sons account sent to collection? So resin his credit a minor or mine as his guardian and charge a late fee even though this was 100 % their mistake? This is wrong! Please help me with this matter!
Complaint sub-issue: Information belongs to someone else

Good evening, I see that XXXX XXXX XXXX XXXX XXXX sent an account to collections that doesn't belong to me, and I believe that I'm a victim of identity theft. They are saying that I had a XXXX XXXX for {$2500.00} that doesn't belong to me. I can prove that this isn't my account because my credit score wasn't high enough to obtain a credit card from XXXX XXXXXXXX in XXXX for an amount that is this high. I've attached a copy of the identity theft report from identitytheft.gov. I also added some pdf 's from the Equifax Credit report saying that this account is on my credit report as of today XX/XX/XXXX even though it should not be. I also added a copy of my U.S. Passport and my social security card in an attempt to prove my identity. I'm going to also mail in a paper copy of this complaint to Equifax to make sure to they receive my complaint about this account that should deleted from my credit report.
Complaint sub-issue: Personal information incorrect

Another name is showing up on my credit report. Multiple addresses are reporting on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

On approximately XX/XX/XXXX a representative contacted about a balance I owed to Synovus Bank by XXXX a debt collector. I agree to a settlement to resolve the account in the amount of XXXX and asked the representative to call me back at the end of the month as I am on a fixed income and could'nt make the % XXXX payment of XXXX until the end of XXXX On XX/XX/22 I received a call from XXXX who processed the payment of XXXX and agreed to call back for the additional payment to be processed. XXXX called on XX/XX/22 and said the payment was attempted and was declined I attempted to explain that I was on a fixed income and needed the payment to be attempted after XX/XX/22 at that point XXXX became rude and was speaking over me and not allowing me to explain, he then stated that since I was unable to pay on that date that the settlement agreement would no longer be valid and that I would need to make a new one. I called back and " a supervisor '' who listened to my complaint and made no attempt to resolve anything. Based on my treatment by this company I disputed the original payment of XXXX with my bank and feel that I did nothing but attempt to resolve this account with this company, on a fixed income and during a pandemic. Who is doing that? And this is the way I am treated. I don't understand how these people are allowed to operate and why they haven't realized that you get a better result by treating people with empathy, respect and concern as opposed to hostility, threats and disrespect. As I explained to XXXX XXXX this debt is not a pressing issue for me but I was still attempting to resolve it fairly and was treated horribly because of it.