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

XXXX XXXX notified me on XXXX that I had missed a payment on my XXXX XXXX XXXX land loan. I called the bank immediately and they told me that my account was fine and they had no idea why it posted that to my credit report. They assured me nothing was wrong. They then called me back and said that the person that needed to fix my account was not in and would be in the next day and to not worry because everything was fine. The next week I got a letter in the mail that my payment was late so I called again and they told me to ignore it and that my account was fine and in good standing. I ran my credit again late XXXX and it shows the late payment still so I called back to be told they can't help me but if I dispute it, they will then remove the late fee. I have disputed it 3 times and it keeps remaining the same. I called again today to XXXX XXXX XXXX and they refused to help me and transferred me to XXXX 's VM. I have not heard back at all. This is not an acceptable item to have on my credit report.
Complaint sub-issue: Account status incorrect

Company still reporting incorrect account from pmab llc that I do not owe money to.
Complaint sub-issue: Account information incorrect

The Summer of XX/XX/XXXXI was denied a mortgage loan due to a charge off from XXXX XXXX credit card. I both mailed an account validation letter and disputed this debt with the credit bureaus and the credit card company several times. Only the credit bureaus responded that this debt was verified but showed no proof as I requested. XXXX XXXX still has not responded to any of my letters since XX/XX/XXXX. All I asked was that the credit bureaus show me how they verified this debt and what XX/XX/XXXX sent them as proof of my debt other than a bill that could be fabricated. I really need to know why I haven't been shown proof of this after multiple disputes and certified letters letters sent.
Complaint sub-issue: Was not notified of investigation status or results

I am filing a complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being tha they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FRCA-they are rquired to " promptly delete all information which can not be verified '' that I have disputed. Please resolve the manner as soon as possible. Thank you.
Complaint sub-issue: Was not notified of investigation status or results

These accounts are not mine. According to XXXX XXXX and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Complaint sub-issue: Information belongs to someone else

I have a three credit hard inquiries on my equifax credit reports, all are fraud activity. I already submitted the FTC identity documents to Equifax and they never remove the fraudulent information from my credit reports. I Already contacted to Equifax several times and they are still not doing anything and ignores me .Please help me to remove the all fraudulent credit hard inquiries from my Equifax credit reports.
Complaint sub-issue: Account status incorrect

My family is trying to purchase a new home and we have found that we can not be approved because of inaccurate information being reported by our old mortgage company and the way that Credco is reporting it. 
We had a Chapter XXXX bankruptcy, including our home that was discharged in clear back in XX/XX/XXXX. We kept making payments on our home but finally had to short sale it in XX/XX/XXXX. The problem is that XXXX is reading the Credco report that we bankruptedin XX/XX/XXXX, which makes our loan unapprovable. It needs to read that we SHORTSOLD the home in XX/XX/XXXX and as long as we close our new home after XX/XX/XXXX, we are eligible to purchase. XXXX XXXX XXXX XXXX refuses to work with us. They dismissed our request to correct what they reported in a brief letter. We need help getting this corrected.
Complaint sub-issue: Deposits and withdrawals

Keycorp/Keybank-Joint checkinXXXX account. 


On two instances funds were withdrawn from a joint account held by my XXXX - XXXX XXXX and me- XXXX XXXX. Funds were withdrawn via an e-check to a XXXX  compay. 
First Incident - My XXXX had XXXX  away XX/XX/XXXX and the first e-check was withdrawn XXXX XXXX XXXX. This account was her primary account into which her Social Security deposts were made directly. I only discovered the fraudulent check in XX/XX/XXXX while preparing my XXXX 's taxes. Due to onging Covid shutdowns and restrictions it was difficult to get clear instructions on filing a dispute and finally a meeting face to face with the Branch Manager-XXXX XXXX XXXX XX/XX/XXXX. Considerable time was spent on the phone with the Fraud and DIsputes dept to file the correct paperwork. Please refer to the attached file that further details the first dispute, follow up contacts, then ultimately the second dispute initiated XX/XX/XXXX for another e-check withdrawn from the account. 
Futher- the account was supposed to be flagged/locked against any withdrawals or debits. 
SSA continued to make direct deposits into the account, even though efforts have been made to re-submit my XXXX XXXX XXXX. They will want the money paid into the account back. That would include the total amount withdrawn by the fraudulent checks. 
I have been treated more like the criminal than the victim thoughout this issue.
Complaint sub-issue: Problem making or receiving payments

It appears that my personal checking account at PNC Bank can not be connected to my business checking account at another bank. My business account uses the XXXX XXXX to connect, which PNC has outright blocked. This is extremely annoying and limits my ability to move funds between my accounts.
Complaint sub-issue: Didn't receive enough information to verify debt

THIS IS XXXX XXXX!!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY doing anything for me. I'm my own natural person so please don't play those stall tactic games. This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. As a consumer these accounts on this letter must be deleted immediately, and by that I mean ASAP or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, Better business bureau, and federal trade commission. I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW715, 719, I presume that no proof of The alleged debt, Nor therefore any such debt, in fact exist. I want you to XXXX out alleged balance. Report positively to all consumer reporting agencies. Compensate me for double the amount of my finance charge pursuant 15 usc 140. I also want compensation in the amount of {$1000.00} per violation for all the damages that I received to 15 USC 1681n .I did not consent to, authorize nor benefit from any of the following accounts. Block and remove them. FAST! 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Complaint sub-issue: Debt was result of identity theft

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against ENHANCED RECOVERY
Complaint sub-issue: Account information incorrect

MACY'S/CITI BANK ACCOUNT XXXX XXXX HAS RECEIVED A PYMENT FROM ME ON THE BALANCE THAT THEY CLAIMED WAS PAST DUE. CHECK WAS CLEARED ON XX/XX/2019 BUT MACY 'S STILL REPORTED IT AS PAST DUE FOR XXXX, XXXX, XXXX AND NOW XXXX THIS IS DAMANGING MY CREDIT EVERY MONTH ESPECIALLY WHEN I RESOLVED THE BALNACE AND THEY AGREED TO ACCEPT PAYMENT IN LIEU OF DELETION. BUT PAYMENT WAS NOT POSTED AND ACCOUNT WAS NOT DELETED FROM THE REPORT, WHY? ISN'T THIS A VIOLATION OF MY RIGHTS UNDER CFPB? I'M PREPARING MY COMPLAINT TO FTC AND ATTORNEY GENERALS OFFICE AS THIS IS UNACCEPTABLE ... IGNORANGE FROM MACY'S/CITI BANK ...
Complaint sub-issue: Banking errors

In early XXXX I opened a Citi Checking and Savings account under their offer similar to the one seen here. ( The offer dates are different in the page below but the terms are the same ) https : //banking.citi.com/cbol/checking-400/default.htm? BT_TX=1 & ProspectID=F216997A8DDF4A5F8855F94BE805F736 The offer was as follows. 

Within 30 days of opening your account, deposit {$15000.00} New-to-Citibank funds between the new checking and savings accounts. 

Maintain a minimum balance of {$15000.00} between the checking and savings accounts for 60 consecutive calendar days. 

After all required activities are met, the {$400.00} bonus will be deposited to your account within 90 calendar days! 

I met all of the above well within the 30 days of account opening. I have waited over 90 days for the {$400.00} bonus as well as attempted to contact Citibank to resolve the issue. No one responded to my attempts to contact so I am filing this complaint. It is my understanding that many others who opened accounts for this same bonus are having similar problems.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2017, fraudulent charges were made using my card that was either lost or stolen, and paid by PNC Bank without being questioned. The fraudulent charges totaled {$790.00}. 

I reported the lost or stolen to PNC in a timely manner. PNC Bank refused to return the money. 

I have a attached a detail letter, with documentation.
Complaint sub-issue: Problem with rewards from credit card

I have received letters from  Citi Bank that my credit cards accounts were closed without reasons and an advanced notice. I respect Citi Banks decision to close the accounts. However the reward Thank You points and Dividend Dollars from the accounts were forfeited. I earned and accumulated these points and Dividend Dollars by using Citi Cards over the years, and Citi Bank collected the transaction fee from merchants.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USDOEXXXX XXXX XXXX XXXX XXXX XXXX XXXX USDOE/XXXX  XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Complaint sub-issue: Account information incorrect

I have repeatedly and continuously tried to send Equifax Informational Services herein Equifax a letter which depicts that an Inquiry specifically that of XXXX XXXX  made on XX/XX/2020 was fraudulent and I was a victim of identity theft., Since this time and Day of XX/XX/2020 I have repeatedly sent Equifax notices of Identity Theft and Affidavits stipulation that the Inquiry of XX/XX/2020 that of XXXX XXXX was not made by me neither did it have any permissible purpose nor did I XXXX XXXX XXXX XXXX XXXX initiate said request., I even sent them notification from XXXX XXXX  dates XXXX XXXX XXXX stipulating that I was I was a victim of Fraud.. After three attempts I have contacted an attorney who has first requested that I submit a complaint with CFPB before initiating a lawsuit.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In XXXX I reached out to Equifax to help me remove some unfamiliar inquiries from 2017. They informed me that the company was not able to remove them. 

I continued to file a dispute with all of the credit bureaus. The aforementioned inquiries were removed from every bureau except Equifax. I later received documentation from them listing all of the disputed creditors name, address, and phone contact. 

This made reaching out to the creditors simple. My plan was to contact them and inquire about the proper procedure for handling this matter. Since then Ive been redirected several times. The creditors saying we dont have you on file, contact Equifax. Equifax saying that they dont have the power to remove those inquiries.
Complaint sub-issue: Problem using a debit or ATM card

I have noticed an unauthorized charge on my bank account I have reached out multiple times to the US Bank fraud department who mishandled the issue. Finally, I was able to freeze my account at my local branch but the US bank did not stop the funds from going out and never returned the funds back to my account
Complaint sub-issue: Reporting company used your report improperly

N accordance with the Fair Credit Reporting act, -XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX -XXXX XXXX XXXX, account # XXXX -CXXXX XXXX XXXX, account XXXX XXXX XXXX XXXXXXXX account # XXXX -XXXX account # XXXX -XXXX XXXX XXXX XXXX account # XXXX -XXXX XXXXXXXX XXXX. account # XXXX -XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2021 I notified the credit bureau 's that I am a victim of identity theft and that my credit report reflects some unauthorized inquiries on my credit report. I submitted a copy of my identity theft affidavit along with my dispute and as of today XX/XX/2021 the unauthorized inquiries continue to report on my credit report.
Complaint sub-issue: Information belongs to someone else

Since 2016 I have attempted to resolve this dispute with XXXX XXXX XXXX XXXX, and the CRA 's. My identity was stolen by my twin brother, who financed a vehicle in my name and opened several credit cards and bank account in my name, my credit score at that time was XXXX, it is below 500 now. I submitted an FTC Identity theft report and police report to XXXX XXXX XXXX over ( 3 ) times over the course of 4 years. When I file a dispute with the CRA 's, and notify them that I am the victim of identity theft they keep reporting the information furnished by XXXX XXXX XXXX as accurate and will not allow me to submit another report. I supplied the FTC Affidavit and Police Report to the CRA 's and still no change.
Complaint sub-issue: Information is not mine

I have noticed XXXX accounts on my credit report that I am un aware of. 
XXXX XXXX and XXXX. I have tried to contact these companies by the address listed on the report for debt validation and have gotten no response. I would like Equifax to investigate and provide me with documentation they receive.
Complaint sub-issue: Problem using a debit or ATM card

I attempted to deposit {$1300.00} into my XXXX account through an authorized Pnc atm. The machine took my money, then told me the transaction was not allowed. When I called the atm customer service, XXXX, the representative who answered the phone was rude and short.
Complaint sub-issue: Account status

XXXX XXXX Fl XXXX Equifax Information Services , LLC . 
XXXX, GA XXXX XXXX Dear Sir or Madam, I am writing in regards XXXX XXXX XXXX and XXXX XXXX account on my credit report. On XXXX/XXXX/XXXX I have file complain to the CFPB I sent a letter explaining the situation. 

All this accounts have been process and closed in XXXX not in to XXXX and the discharge date was XXXX not XXXX. 

In addition it has been 8 years seen this Loan were reported to the Credit Bureau. 

My Understanding was that Art institute took XXXX loans and the XXXX of XXXX XXXX and clears this loan in XXXX. However on my credit Report it appears XXXX loans from different agencies. 

I 'm requesting this loan to be remove from my credit report. 

I have enclosed copies of all my records correspondence. 

I look forward to your reply and resolution to my problems. Thank you for the opportunity to clarified this issued. 


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

I have been sending dispute letters asking for these egregious accounts from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX to be removed from my report as they have not provide the original credit agreement or original contract I supposedly signed for these supposed debts.
Complaint sub-issue: Information belongs to someone else

I have fraudulent account reporting under Equifax credit reporting agency, I have disputed several times and even with a FTC Affidavit validating the fact that i had been a victim of ID theft, yet they are not being helpful at all ; therefore, have no way of finding out whether or not what the situation is about my disputes and a fraudulent account. The fraudulent account I have disputed with Equifax are listed in the attached letter I originally sent them, please assist me in making sure that the Fair Credit Repoting Act Section 605b is upheld by Equifax Inc., A private entity.
Complaint sub-issue: Debt was paid

The JEFFERSON CAPITAL SYSTEM ( Original Creditor Name : XXXX ) XXXX is being reported as a collection account in my Credit Report. This debt is already settled. Moreover, this collection account has a Past Due amount. I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX account # XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX 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 : States, a consumer reporting agency can not furnish an account without my written instruction.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX {$340.00} There is no contract, no valid claim ... account was settled with original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
Complaint sub-issue: Account information incorrect

I received an alert on my credit file from Equifax today the XXXX of XX/XX/2018 stating that my score had dropped due to an increase balance on my XXXX XXXX credit card. My Equifax credit report stated that my XXXX XXXX Card Balance went from {$0.00} to {$210.00}. I called XXXX XXXX and confirmed that I paid my credit card balance on the XXXX of XX/XX/2018 to a {$0.00} balance and that there has been no new charges. I asked the XXXX XXXX Representative when was this balance reported and was advised by the XXXX XXXX representative that it was reported on the XXXX of XX/XX/2018. I asked why was an incorrect balance reported to the credit bureau and the representative could not give me an answer except that it could not be corrected until next month. This caused my credit score to drop.
Complaint sub-issue: Received bad information about your loan

I had to start making payments to my loan in XX/XX/XXXX. In XX/XX/XXXX, I requested a change in due date to the XXXX of each month. I paid for XXXX  on XXXX XXXX and the company ( nelnet ) right after my payment, changed the due date to the XXXX, starting in XX/XX/XXXX. Suddenly, I started getting notifications that I was late with my payment and that I owed 2 months ( around {$1000.00} ) and that they were due on XX/XX/XXXX. Suddenly for two months, they were requesting 3 months of payment. I called thinking it was a problem with the system. After talking to 4 people and spending hours of the phone, someone said that they couldn't do anything about it, that they apologized that I got the wrong information but that I had to pay. According to one representative when I requested a change in the due date, they had to move the start date to XX/XX/XXXX and as a result of that my XX/XX/XXXX payment covered XX/XX/XXXX ( not XX/XX/XXXX ) and now I owed XX/XX/XXXX and XX/XX/XXXX. No one ever explained this to me when I requested a change in due date and no one seemed to be accountable ... now I have to pay around {$1000.00} in XX/XX/XXXX because no one ever explained to me the implications of changing a due date.
Complaint sub-issue: Information belongs to someone else

XXXX, Equifax and XXXX XXXX are ignoring my requests to investigate and remove accounts from my consumer credit reports that were opened fraudulently.