Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem during payment process

On or about XX/XX/XXXX, I sent a check to PNC Bank bank to pay off part of the balance on my PNC Premier Traveler Visa credit card. The check that I sent was in the amount of {$490.00}. On XX/XX/XXXX my account was erroneously credited with a payment of {$95.00}. At no point have I ever sent a payment in the amount of {$95.00}. And I have confirmed that my check of {$490.00} was deposited by PNC Bank ( I have included a copy of the cancelled check ). They clearly deposited my check, but credited my account with the wrong amount. 

On XX/XX/XXXX I contacted PNC about the issue of the wrong amount being credited to my account. They opened a case for me ( Reference # XXXX ) and sent it to the Retail Escalation Team. I have since been in contact with this team numerous times including : XX/XX/XXXX - I received a call from the Escalation Team and explained the issue. They said they would try to look up the check internally, but it would be helpful if I could send a copy. On the same day, I faxed a copy of the cancelled check to XXXX XXXX from the Escalation Team. 

XX/XX/XXXX - I called PNC again to follow up and see if their was a resolution. After spending 1 hour on hold trying to get through to the Escalation team, I gave up. 

XX/XX/XXXX - I called the Escalation team again. I was told that XXXX XXXX had the fax, but I needed to wait for someone to review/approve it. 

XX/XX/XXXX - I received a voicemail from XXXX XXXX, but it did not include any information about a resolution to this situation. I attempted to return his call on XX/XX/XXXX, but there was no answer and I left a message. I called again on XX/XX/XXXX and again there was no answer and I left a message. 

It is now nearly a month since they received my original payment, and they still have not fixed the problem. In the meantime, my credit card bill was due on XX/XX/XXXX and I was forced to pay an additional {$400.00} to make sure they did not start charging me interest. While I understand that occassionally mistakes happen, I have given PNC Bank ample opportunity to fix this issue and they continue to drag their feet while I am out an extra {$400.00} due to their error.
Complaint sub-issue: Information belongs to someone else

i have been disputing items on my credit report since XXXX XXXX i have sent proof, i have sent affidavits, i have sent police reports as well as ftc reports. i have requested proof of application or signed contract that were filled out when accounts were open because they were being reported inaccurately. the 3 agencies have only replied with generic responses. According to FCRA 1681e ( b ) consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information contained in a consumer report. XXXX, Equifax and XXXX continue to violate by willfully and negligent non compliance with any duty imposed by the FCRA. I have continue to fight but i need your assistance.
Complaint sub-issue: Information belongs to someone else

After getting calls from collection companies and receiving mail for incorrect bank accounts that were open in my name and seeing incorrect addresses shown on my credit report is when I realized that someone has access to my personal information. I had a fraudulent bank account with XXXX XXXX that was opened in my name. I immediately contacted the bank to have it immediately closed. I also had fraudulent medical accounts also opened in my name which is also incorrect, I have had medical coverage for the past 11 years through my current employer and all my medical payments are up to date with no pending medical charges. My name is being reported incorrectly with a middle initial which is also fraud. Someone is ruining my credit by adding addresses that I never lived at, incorrectly obtaining medical assistance, incorrectly obtaining cell phone lines, incorrectly opening bank accounts, incorrectly processing credit which is fraudulent causing inquiries. I have no knowledge of what or who this could be.
Complaint sub-issue: Problem with fees

To whom it may concern : Please be advised, this is a written complaint requesting your agency 's assistance. The complaint is against Home Depot/CBNA ; which is attempting to collect a debt they have reported as canceled with all three credit reporting agencies. 

Most importantly, listed under the remarks section of my credit report, it states that my account was cancelled by the credit grantor. This information was also reported by Home Depot/CBNA to the credit bureau stating this debt was cancelled. 

Therefore, I am requesting a thorough investigation and removal of this debt from all three credit bureaus. I greatly appreciate your assistance in this matter, and thank you in advance for your prompt response. 


Respectfully, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXXBalance : {$92.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX BANK XXXX XXXX ) XXXX Balance : {$1000.00}
Complaint sub-issue: Received bad information about your loan

I have called numerous times, most recently XX/XX/XXXX and XX/XX/XXXX. I am on hold for hours, and often the call is disconnected. On XX/XX/XXXX I was able to get through, only to be told I was on the incorrect line and needed to be connected to loan forgiveness. I was disconnected, called again, finally got through to loan forgiveness and was told, without explanation that my XXXX and XXXX employment certification forms have not been processed. No time estimate, no next steps. Just that it can take weeks or months. 

I have made XXXX qualifying payments as of XX/XX/XXXX, but am not eligible for forgiveness yet because they have not re-certified my employment ( same employer for past 10 years ). I do not want to make additional payments simply because they have not decertified my employment.
Complaint sub-issue: Threatened to sue you for very old debt

On XX/XX/2019 an XXXX from Jefferson and associates starting calling my hr manager at work in an attempt to collect a debt that was over 9 years old. I called the # and  extension left on voicemail to my hr manager where I was lied to about having to pay the time barred debt or legal action would be taken since I lived in a garnashble state. So I was forced to verbally agree a settlement which I then cancelled after learning my rights of FDCPA.
Complaint sub-issue: Account status

I settled an account with XXXX and they are reporting late payments after settlement negotiation and received payment. I have directly called and faxed XXXX and they are stating information is correct. I attempted to contact them multiple other times to keep disputing with all XXXX credit reporting agencies. This company can not report late payments on a settled paid account!!!! Primarily reporting wrong information to Equifax.
Complaint sub-issue: Account status incorrect

All these account have been contested and consolidated. There are not reflecting as so.
Complaint sub-issue: Account information incorrect

I HAVE SUBMITTED SEVERAL LETTERS IN XXXX ASKING TO REMOVE ACCOUNTS THAT ARE NOT MINE, THE LAST LETTERS WAS SUBMITTED XX/XX/XXXX I WAS TOLD BY THE CREDIT BUREAU THAT THEY DO NOT HAVE TO PROVE THAT ANYTHING IS MINES AND THEY CANT REMOVE THEM UNTIL I HAVE A LETTER FROM THE CREDITOR SAYING THAT THE BILL HAS BEEN PAID IN FULL. SOME OF THESE BILL ARE FROM ADDRESSES I HAVE NEVER LIVED AT, ANOTHER ONE I HAVE A COURT DATE FOR BUT DUE TO COVID IT KEEPS GETTING RESCHEDULED I HAVE ALSO REACHED OUT TO SOME OF THE CREDITORS MYSELF TO ASK FOR COPIES OF ANY INFO THE MAY HAVE AND NONE OF THE COMPANIES HAVE GIVEN ME ANYTHING, I HAVE ASKED TO PLEASE REMOVE THE ITEMS AND THE CREDIT BURAEU REFUSE TO CAN YOU GUYS PLEASE HELP XX/XX/XXXX {$1300.00}XX/XX/XXXX {$9600.00} HEARING IS XX/XX/XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/22, I filed a complaint # XXXX with the CFPB concerning the reporting of an old account from XXXX XXXX XXXX Part of my complaint was that I had requested the payment history. 
It has been far past the 30 day limit and as of XX/XX/22, XXXX XXXX has NOT provided the payment history for the account they have been reporting. Because doing so would prove my claim. 
This account MUST be deleted for at least 3 reasons :.

1. It's been more than 7 years since the last activity on this account 2. XXXX has failed to respond timely to my request on XX/XX/22 for the payment history, and the most reckless and fraudulent act. 
XXXX. XXXX filed a 1099-C against me to the IRS for {$12.00}, XXXX. This amount included all interest and fees which is illegal and considered a fraud against me and a fraud against the US Government. I have no idea how XXXX came up with this amount since for the past 7 years the balance they have been reporting was {$11.00}, XXXX.
Complaint sub-issue: Old information reappears or never goes away

Loans were taken out from XX/XX/XXXX-XX/XX/XXXX Loans were consolidated in XX/XX/XXXX.  However, I am in Texas and based on the statue of limitation accounts should be removed after 4 years. While, I am aware that I am still responsible for payments. It is reporting incorrectly with credit bureau. This also goes for student loans also. Data reporting is incorrect.
Complaint sub-issue: Information belongs to someone else

I recently obtained a copy of my consumer report and I identified several accounts I did not consent to authorize, nor benefit from the furnishing of, on my consumer report. I have previously submitted a dispute and received no response. Please remove these accounts immediately.
Complaint sub-issue: Didn't receive services that were advertised

I was one of many thousands of people whose information was stolen from Equifax through a data breach. I signed up for the XXXX product which provided credit monitoring and $ XXXX of protection for those whose information was stolen, provided by Equifax. I have emails from XX/XX/XXXX stating that I had successfully signed up for the service and paperwork showing that my policy number. 
I called Equifax on XX/XX/XXXX and was told that actually I hadn't successfully completed the sign up for XXXX   product and because it was after XX/XX/XXXX that they could not offer me that protection anymore. Now they could only offer me a much lesser product ( Lock & Alert ) which would only alert me for some type of identity theft with no protection. I feel this is unfair since the emails from Equifax indicated that I had successfully signed in. Plus, their website was in terrible shape when they setup this program causing tremendous delays and what I now see, lots of errors which were not obviously to the consumer. Shame on Equifax to put the consequence of their terrible system on the consumer. I have paperwork that says I am enrolled in their program, they should honor that. However, the company refuses to. I spoke to a supervisor XXXX ( Employee ID XXXX ) and he also was unwilling/unable to make this right. 
By the way, while I was on the phone with their customer service agents, I could hear in the background that others were having the same problems as I kept hearing different agents voices saying that while they had thought they had successfully signed up for XXXX, they hadn't and now they could only get the Lock & Alert.
Complaint sub-issue: Information belongs to someone else

I have filed an FTC Report regarding the fraudulent/unauthorized inquiries on my credit report. I have attempted to fix this issue with Equifax multiple times.
Complaint sub-issue: Investigation took more than 30 days

The Bureaus failed to provide evidence to support ownership of the debt and they still did not provide me a copy of the signed application with my signature pertaining to the debt in question. According to Fair Debt Collection Practices Act, they must show ownership of the debt. They are in violation of Fair Debt Collection Practices Act because they did not prove validity of the debt, they did not furnish the paperwork required to show 100 % proof that they own the debt and therefore the disputed items must remove the account from my credit report. 

I started my dispute in XXXX this year but there was no investigation made and so I sent a follow up mail on XXXX but until now I have not received documents from the 3 Bureaus. Please help me reach out to them so I can fix the error in my credit file.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Account status incorrect

My  Auto n ote is {$350.00} a month with the payments being divided between my  XXXX  paychecks and rendered before or on the  XXXX  of each month. Supposedly in  XXXX   2014 , the second half of my payment was {$10.00} short and my account has been notated as 30 days late on my credit bureaus ever since. My payment is due on the  XXXX  but they tell me that they need to post it on the  XXXX . Makes no since. Either the  XXXX  ( according to my paperwork ) is the due date or it is n't.
Complaint sub-issue: Attempted to collect wrong amount

Pro XXXX a debt I owed for an unpaid rental apartment from 2017 has said they have been trying to contact me, send me letters and I have not received anything. I called to try to settle the debt for half because Im currently in the worse situation ever and need to move immediately. I have XXXX children and need to move forward and they are not making it easy for me at all. I was not able to pay the debt because I lost my job taking care of my mother and now XXXX isnt making it any better. Today I contacted the company and the refused to settle with me or to even let me make payments.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$2500.00} on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This collection is now being handled at a law firm and should not be reporting. This is a violation of the Fair Credit Reporting Act. This continuing to report a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

1. My first request was On XX/XX/XXXX ( I requested from Citi/Citibank N.A./Citigroup Inc./Citibank/Citicorp Credit Services/Citi Mastercard/Etc. ), XX/XX/XXXX and on XX/XX/XXXX I requested from XXXX XXXX XXXX XXXX XXXX and Citi/Citibank N.A./Citigroup Inc./Citibank/Citicorp Credit Services/Citi Mastercard/Etc. to provide me with a NOTARIZED AFFIDAVIT VERIFICATION & VALIDATION of Debt form ; to date I NEVER received it. XXXX XXXX XXXX XXXX XXXX XXXX keep sending me are statements with NO Charges from a credit card. That's NOT validation of debt! That is a violation. 
2. NEVER gave XXXX XXXX XXXX XXXX consent to contact me in any way ; they keep sending messengers to the address and those people are literally THROWING envelopes at my window. That is a violation. 
3. XXXX XXXX XXXX XXXX have ruined my reputation. That is a violation. 
4. XXXX XXXX XXXX XXXX are using false & misleading representations. That is a violation. 
5. XXXX XXXX XXXX XXXX are attorneys ; a debt collector can not be an attorney nor can an attorney be a debt collector. That is a violation. 
6. As a CONSUMER I have a right to request validation of a debt pursuant to 15 USC 1692g. I requested VALIDATION ; competent evidence of a legal obligation of the debt and/or a legal obligation to pay you which has NOT been received for over one year and you ( XXXX XXXX XXXX XXXX XXXX are still ruining my reputation and harassing me. 
7. One of them is calling all day and sending negative threats, court date papers, and statements in the mail. Thats NOT what was requested ; I requested VERIFICATION. BY THEM DOING OTHERWISE .... That is a violation.
Complaint sub-issue: Reporting company used your report improperly

Lexis Nexus, XXXX XXXX, and XXXX out of California are reporting information about me to the Credit bureaus ( XXXX XXXX, XXXX, and XXXX ) without my written consent. According to 15 USC 1681 as an consumer I have a right to privacy. For instance bankruptcies ; the court district does not verify a persons information to the Credit bureaus. Also all my personal information like my name, address, phone numbers, or emails are inaccurate on my report and they refuse to correct it. Any inquiry that is not associated with a line of credit attached to it was not me and submitted as fraud.
Complaint sub-issue: Other problem getting your report or credit score

Called spoke with XXXX in the Equifax internal consumer affairs dept.. Ask this young lady can I have my file released for 48-72 hrs so the bank can considered my application for a car loan due to the fact that my vehicle has just broke down on me. Now I have had several problems with this dept in the past concerning fraud alerts and other items concerning my credit report. This company went as far as telling me that they were not going to release my file for me to have some credit protection company look at it. Then I was told to give them my information to what company it is I am wanting to view my record at the time and their contact information. Now she is telling me to fill out a form XXXX that I filled out in XXXX 2017 and was told that I only need to fill this out once a year. I asked why do I need to fill this out again and she stated because they needed it. Well I told her I already filled this form out and what is the need for me to do it again for them to tell me they dont have it or it will take 48 hrs for them to receive. I asked to speak to a supervisor and she refused saying she was the highest level when in fact I know that XXXX is the supervisor over that area because thats who I ended up speaking to previously about this form that I sent several times. She refused again and I told her that she was denying my file to be release for me to get another means of transportation. I asked several times more to get to a supervisor and she still refused. Please help because I have asked for fraud alerts and my file to be removed from this dept because they are causing me more headache than the person that originally took my identity before. They are hurting more than helping.
Complaint sub-issue: Information belongs to someone else

THIS IS THE 3 TIME I HAVE FILED A COMPLAINT TO XXXX XXXX AND OTHER CRA. I have several addresses on my file that I never lived incorrectly listed on my credit file. My name is XXXX XXXX XXXX XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX. My SS is XXXX. Please delete any name variation and additional SS off my file ( Not my SS XXXX, Not my SS XXXX please delete 609 FCRA violation ) THE FOLLOWING ADDRESSES ARE NOT ACCURATE PLEASE DELETE : XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX  XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX  XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX  XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXX.
Complaint sub-issue: Investigation took more than 30 days

UNITED STATES CONGRESS states EQUIFAX is an elaborate mechanism who ASSUMED its role to furnish a report on my behalf under 15 USC 1681. ( The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and " unfair '' credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. EQUIFAX is supposed to have my written consent to to obtain my private information to make a report. THEY DO NOT HAVE MY WRITTEN CONSENT. The UNITED STATES CONGRESS states under 15 USC 1681a ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The UNITED STATES CONGRESS has DEMANDED EXCLUSION OF ACCOUNTS relating to transactions or experiences between the consumer and the person making the report. Why re you EQUIFAX violating the UNITED STATES CONGRESS as well as the FCRA and destroying my confidence in the banking system?? I did request verification on any account I DEMANDED you exercise your grave duties with RESPECT to the consumer and CONGRESS LAW, instead you conducted a FRAUD re-investigation took over 45 days and have NOT provided names, address and phone numbers of those you are required to personally interview as REQUIRED BY CONGRESS. EQUIFAX is in DISHONOR and is not PERFORMING their GRAVE DUTIES accordingly.to the UNITED STATES CONGRESS and is liable under 15 USC 1681n and 15 USC 1681o
Complaint sub-issue: Information is missing that should be on the report

Please update my personal information on Equifax, XXXX XXXX 

My only address is XXXX XXXX XXXX XXXX, VA XXXX. 

any other addresses do not belong to me and need to be removed.
Complaint sub-issue: Information belongs to someone else

I was at the XXXX dealership yesterday XX/XX/20 because I'm in need of a new car but when they ran my credit to see if I qualified for the auto loan, I was told that I could not be approved at this time due to having accounts in negative standing appearing on my credit. I had no idea what accounts they were talking about but after looking through my report myself, I saw four accounts that do not belong to me. The accounts were opened with these companies XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX  XXXX  XXXX. I did not open any of these accounts and I did not give anyone permission to open them in my name or with my personal information. I do not have any type of contract or relationship with any of these companies and I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I ever make payments towards these accounts. I have filed this report to the best of my knowledge at this time.
Complaint sub-issue: Account status incorrect

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy Pursuant to 15 USC 1681 b2