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

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2021 Balance : {$0.00}
Complaint sub-issue: Account status incorrect

I opened a new credit account on XX/XX/XXXX with PNC Bank where I have a number of bank accounts, credit, checking, personal and business. I never received any bills, notices, etc. for the account and payment due. The last amount of approximately {$250.00}. 

I found out the week of XX/XX/XXXX while applying for a mortgage that the bank had reported to the credit bureaus that I was 30 to 60 days past due. I logged on to my virtual wallet account at PNC and could not find the account in question as it did not show up in my virtual wallet that I set up with PNC personnel for all of my accounts. I worked with PNC personnel to try and find the account information. After searching PNC customer service figured out where the account information was located. I paid the amount due on theXX/XX/XXXX paying {$440.00} as a transfer from one account to the other. The Customer Service person indicated that they had the wrong email address for my communications and had that PNC never set up my virtual wallet account, etc. The account was supposed to be in my virtual wallet and autopay, the bank never put the account in the wallet as the other accounts. There was plenty of money in the accounts to pay the bill. The account is now in my virtual wallet however I still can not see any bills due, detail, etc. 

After I spoke spoke to PNC Customer Service I spoke on theXX/XX/XXXX to the PNC Collection Department and they said that they showed the payment, and said that they would reverse the late fee and interest {$65.00} in late fees and {$3.00} interest total, but have not done so and it is not in the pending transactions, for the mistake. They also are not removing the negative information from the credit bureaus as the person said that they could not do it even though PNC personnel failed to set up the account properly. I am damaged as my credit report for a new mortgage shows this negative information and as a single mom who has never missed paying a bill may have to sell my house if I can't get a mortgage.
Complaint sub-issue: Delay in processing application

During my application process as part of getting it I sent a XXXX dollar deposit to the company first progress. The amount was charged and taken by the company and I have never received my card. When I looked the application it needed a copy of my driver 's license which was expired XX/XX/XXXX because I needed to renew it but because of covid-19 closing the DMV in my area I can't get it renewed. So since it's expired the company denied my application but never returned my deposit and I still don't have my card. I futher more want to cancel my application and want me {$300.00} returned. There is no contact number or option on their website to fix the problem..
Complaint sub-issue: Information is not mine

I pulled my credit recently and found these inquires and none of them are authorized by me. I sent letters to all XXXX credit bureaus asking them to be deleted and nothing has been done. 

1. XXXX XXXX - on XX/XX/XXXX 2. XXXX XXXX - on XX/XX/XXXX 3. XXXX XXXX - on XX/XX/XXXX 4. XXXX XXXX XXXX - on XX/XX/XXXX 5. XXXX XXXX - on XX/XX/XXXX 6. XXXX - on XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX -on XX/XX/XXXX 9. XXXX XXXX XXXX - on XX/XX/XXXX 10. XXXX XXXX XXXX - on XX/XX/XXXX 11. XXXX XXXX XXXX - on XX/XX/XXXX 12. XXXX XXXX XXXX - on XX/XX/XXXX 13. XXXX - on XX/XX/XXXX 14. XXXX - on XX/XX/XXXX 15. XXXX - on XX/XX/XXXX 16. XXXX - on XX/XX/XXXX 17. XXXX XXXX - on XX/XX/XXXX 18. XXXX XXXX on XX/XX/XXXX 19. XXXX - on XX/XX/XXXX 20. XXXX XXXX - on XX/XX/XXXX
Complaint sub-issue: Personal information incorrect

My name is XXXX XXXX XXXX my SS is XXXX, my DOB XXXX I live at my current and only address XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am trying to purchase a motor vehicle and yes I was denied do to false and inaccurate information on my credit file. The are various names on my report that are not my name XXXX XXXX XXXX is the only correct listing of my name please delete any other variation of my name spelling. My phone number XXXX please remove any other phone number. 
The following addresses are not mine please delete : 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 I just finish getting rid of fraudulent accounts and wrong information from my credit report with the help of my attorney I do not wish to go through that experience again. 
I DO NOT NEED ANY FREEZE OR FRAUD ALERT!!! I DO NOT NEED ANY FREEZE OR FRAUD ALERT!!!
Complaint sub-issue: Was not notified of investigation status or results

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Company Inquiries : 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 XXXXXXXX
Complaint sub-issue: Account status incorrect

I paid this account in full however it shows as a charge off on my credit. I paid the account completely off on time. It is a shame that it is reporting negatively on my credit report. This violates my FCRA I have written and disputed this several times. It shows paid and closed on XXXX and XXXX but derogatory on Equifax. The dates are inconsistent and the information is inaccurate. My insurance paid this car off in full.
Complaint sub-issue: Keep getting calls about my loan

I wish to make a formal complaint regarding the " Robocall '' policies of SLM Corporation DBA SallieMae. I am the cosigner of a student loan taken out by my daughter. Due to a banking hold on a deposited check, a payment was missed, via automatic payments. I received two robocalls on Sunday XXXX XXXX, XXXX at XXXX XXXX and XXXX at XXXX XXXX. On Monday at XXXX XXXX, I called the number proffered in the robocall and spoke with a customer service representative. At that time I questioned a robocall being received on a Sunday evening. Never the less, I explained the situation and arranged to make a payment bringing the overdue amount owed to zero. To my dismay, over the course of Monday XXXX XXXX, I received a total of seven additional robocalls. All after payment had been arranged. Robocalls came in at XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and at XXXX. I believe their robocall policy is abusive to consumers. I called them twice during the course of the day once at XXXX and once at XXXX. Each time I complained about the continuing robocalls, and their inability to stop them. Also, the customer service representative 's inability to offer an escalation name or phone number to elevate my complaint to. On one call, the representative even refused to provide me access to a supervisor. I think SallieMae 's service policy to not empower representatives the ability to stop the robocalls after payment has been provided is a questionable business practice. I think a robocall policy that allows nine robocalls in essentially XXXX twenty four hour time span is abuse.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, I had a reservation for a XXXX XXXX XXXX XXXX that I booked through XXXX. I arrived on time to pick it up with my partner, whose name I put on the reservation since I expected he'd be the primary driver. My partner lost his driver 's license while we were traveling, and despite him having the license number, he wasn't able to claim the rental car. 

The manager at XXXX XXXX XXXX XXXX told me that if I had booked through them, they'd either be able to change the name on the reservation to my name or add me as a driver with no problem whatsoever. But, since I booked through XXXX, I was required to ask them to make the change. 

I spent nearly an hour on the phone with XXXX and they refused to add me as a driver or change the name on the reservation. I asked to speak to a manager multiple times and the person I spoke to refuse to escalate my issue to someone who could help. We were stranded at the airport without a car despite making reservations well in advance! It was a nightmare. 

So, since we were out of options, I had to purchase another rental through XXXX and paid {$350.00}, which is {$110.00} more than I paid XXXX for the same exact car. Attached is the {$350.00} charge from XXXX XXXX XXXX XXXX which was posted to my account on XX/XX/XXXX when we returned the car. 

I asked Citi Bank to remove the {$240.00} charge from XXXX on my account within 14 days of the incident. Citi didn't get back to me to reject my dispute until XXXX XXXX almost 3 months later! I immediately called their service department and tried to appeal. I also appealed in writing via email. *This is a service I paid for and did not receive. * XXXX XXXX XXXX XXXX management confirmed that there is no reason why they couldn't have either added me as a driver or changed the name on the reservation. For goodness sake, my name was on the credit card that I made the reservation with! 

Today, a month after I filed the appeal, Citi finally responded with, " we no longer have any recourse to obtain credit for you since the timeframe, in which to resolve a dispute had passed. '' It wouldn't be outside of the timeframe if Citi didn't take so long getting back to me the first time! 

This has been an awful experience and I am regretting having chosen to have a credit card and bank accounts with Citi.
Complaint sub-issue: Their investigation did not fix an error on your report

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 instructions and or permission. 

XXXX XXXX XXXX 
CREDITOR : TOTAL CARD DATE ASSIGNED : XXXX XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX. has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Complaint sub-issue: Public record information inaccurate

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E.Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : PO BOX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX PO BOX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX PO BOX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX Please Delete the following numbers, I am no longer associated with them : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represents a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off. 
All in all, you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified.

This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately : Account Name : XXXX XXXX XXXX ACC # XXXX XXXX  ACC # XXXX XXXX ACC # XXXX I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful noncompliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Also, I would like an updated copy of my credit report once this investigation is complete. 
Thank you, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Information belongs to someone else

someone has been using my information as a result now i have 15 inquiries on my credit report that i know nothing about i contacted the credit bureaus all they was able to do was adding a fraud alert but all those inquiries remain on my report, i sent letters to the creditors and all three credit bureaus. nothing was done about and by law they had 30-45 days to respond i never heard fro neither of them.
Complaint sub-issue: Account information incorrect

On XXXX XXXX, reported to the three major credit bureaus, i.e. Equifax, XXXX and XXXX, that I have paid my debt in full and consequently have a balance of {$0.00} Unfortunately the three credit bureaus have not honored their obligation commensurate with their exalted position, i.e. to promptly update my consumer credit report. 

This is adversely impacting my credit score as it misrepresents my credit utilization which is a major factor of the credit score.
Complaint sub-issue: Account status incorrect

This loan was consolidated with Department of Education / XXXX on XX/XX/XXXX, and XXXX/XXXX/XXXX  Still reports the loan as Charged Off. They are no longer the noteholder and the debt has been resolved since XX/XX/XXXX. In fact all of the loans were consolidated and in good standing XXXX. 

We filed paperwork with company MULTIPLE TIMES with no response. I have made payments with XXXX XXXX and XXXX totaling {$33000.00} since XX/XX/XXXX encompassing and including the loans forwarded to XXXX XXXX reported by XXXX XXXX/XXXX/XXXX continue to incorrectly report. Over 6 years I have made my payments perfectly without missing a single one. My credit report is flawless otherwise, and these remaining items which are incorrect, have prohibited me from rates that I earned, homeownership options that I should qualify for, and many more issues. 

My local credit union representative has has called XXXX/XXXX/XXXX Funds multiple times, and we were promised resolution without any further follow-up and negative items remain on credit report. We have even attempted a resolution with the Ombudsman from the Department of Education, who facilitated the consolidation with XXXX in XX/XX/XXXX. 

XXXX/XXXX have record of accounts XXXX and XXXX BOTH being transferred out - and resolved, yet they continue to incorrectly report " charged-off '' on my credit report. This is the same for XXXX XXXX   account ending XXXX.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

Lexis Nexis is a company that has taken CHILD SUPPORT information created against me and my family under, FRAUD, THREAT, COERCION and DURESS from the public record, re-created this information which is private and does exist as my intellectual property into a commercial file to be sold by their company without my consent. As this crime of consumer fraud and identity theft is being used to damage my family, i want this information removed from all databases that they sold my info that it may be utilized as i demand compensation!
Complaint sub-issue: Problem during payment process

Equifax has been non-compliant with removing the unverified account ( XXXX XXXX ) which has been deleted by XXXX and XXXX. XXXX   and XXXX have both completed their research and determined that ( XXXX XXXX ) was not established by myself but Equifax keeps verifying this account.Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Information belongs to someone else

This is the 10th CFPB complaint, Equifax refuses to take anything seriously, and instead of removing accounts that are not mine, they add an additional account to my credit report that is not mine. Equifax is intentionally adding accounts or addresses that are not mine. I'm filing a federal lawsuit on XX/XX/21, this is the last time I'm trying to resolve this out of court.
Complaint sub-issue: Was not notified of investigation status or results

I, XXXX XXXX, sent Equifax a letter on XX/XX/XXXX, disputing the validity of the bankruptcy they are reporting on my credit report. They responded that they verified this information through XXXX and the court. I went directly to XXXX XXXX and the court. I went directly to XXXX to dispute the item in question and XXXX  could not verify this item so they deleted it from there database. The court provided me with a letter indicating that they do not report to the credit bureaus. I then went back to Equifax on XX/XX/XXXX, and showed them the the deleted bankruptcy from XXXX XXXX informing them that it they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. I also informed them that the courts do not provide information to the credit bureau.They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay thousands more in interest every year. 
I than filed a complaint through the CFPB on XX/XX/XXXX and was not given any information on why they close my case. This item needs to be deleted from my credit report if it can not be verified within 30 days. I also made phone contact multiple times and was unable to get clarification.
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. 

Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : 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 an 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 or 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: Account information incorrect

Equifax is showing that I have an account that is delinquent. However, this account is current, as payments are being made monthly. When I try to dispute this, the equifax page doesn't even give me the option to dispute this account. When I filed the complaint against the creditor through CFPB, you guys closed the case out since the company replied that it was not them, and that it was equifax mistake, not theirs. So i'm not sure whose fault it is, but you guys closed out the XXXX XXXX XXXX complain with their response so i'm assuming it's equifax mistake.