Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Indicated you were committing crime by not paying debt

On XX/XX/XXXX @ XXXX XXXX  this communication was received from XXXX XXXX : regarding our conversation on XX/XX/XXXX, about the proof of payment for the XXXX payments you madethe clear dates you provided me, match the payments made to another account ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to move a credit from another account that was meant for yours, but one of the 5 payments made to his account was refunded to another account, which is the reason for the {$30.00} balance due remaining on your account XXXX  phone records will attest many failed phone-call attempts to receive XXXX XXXX  evidence of the alleged attached never received {$30.00} refund : attached as : Status UNPAID Date of First Delinquency XX/XX/XXXX XXXX XXXX office staff refused to read the above communication @ XXXX XX/XX/XXXX. XXXX XXXX alleged XXXX Manager XXXX XXXX refused to provide an email address to receive the above communication during her XX/XX/XXXX XXXX initiated phone call. XXXX XXXX additionally called XXXX XX/XX/XXXX from XXXX with voice message : Hello Mr. XXXX XXXX XXXX XXXX returning your call. Ill try later. 

The above XXXX XXXX, XXXX call was in response to my phone call to XXXX XXXX XXXX , chief executive officer for XXXX XXXX , the reported XXXX XXXX legal owner. 

As the above {$30.00} refund has never been received by me, the {$30.00} falsely alleged due XX/XX/XXXX represented by XXXX XXXX remains paid. The attached is the XXXX-account provided by XXXX XXXX to make the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX reported payments.
Complaint sub-issue: Fees charged for closing account

I asked to close my checking account from bank of the west through secure message on XX/XX/XXXX XXXX PM, and received their response on XX/XX/XXXX XXXX AM. 

However, now on XX/XX/XXXX, there are two charges on my account, and account not closed XX/XX/XXXX FEE {$30.00} - {XXXX  XX/XX/XXXX DEBIT PREVIOUS PERIOD ACTIVITY RESULTED IN MONTHLY SERVICE CHARGE {XXXX XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

XX/XX/2020 - I received a message from Prime Recovery stating that I had a complaint being filed / pending against by their client. The debt collector specifically intended the message to seem like a " lawsuit '' was being filed and he had been hired by an attorney on behalf of this payday loan client. 

The message also stated that they wanted to allow me an opportunity to, '' provide a statement in my defense '' or that I should have my personal attorney call them back. 

The same message was left on 2 family member voicemails within the same hour.
Complaint sub-issue: Fee problem

Since I opened my account with Bank of the West in XXXX of 2021, they have consistently stolen from me. They fraudulently opened an account in my name that I did not ask for or authorize. I have contacted them at least twice a month since I opened the account, filing several claims against them along the way, and they refuse to address their associate 's fraudulent actions and change my account to the correct one that I had initially chosen. To date, they have stolen {$80.00} from me, and continue to do so on a monthly basis. If they do not refund the money they stole from me and close this fraudulent account today, I will be filing legal charges.
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom It May Concern : Under the Fair Debt Collection Practices Act have previously sent Equifax a request to investigate an alleged debt by On Line Information Services on my credit report Equifax simply replied that the account is verified but did not provide the validation to me that was needed to determine if this was actually an accurate claim. I then personally contacted the Collection Agency XXXX XXXX XXXX XXXX   and asked for valid verification that this debt was mine. I knew I didnt miss a payment to the power company, for obvious reasons they are always the first bill I pay. All I received from the Collection Agency were term dates of XXXX XXXX spanning back from XX/XX/XXXX to XX/XX/XXXX and the alleged charges they claimed I owed {$170.00}. They had nothing to show me that could verify I owe anything. After a bit of research, it was determined that this does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. This inaccurate, incomplete document contains no accounting of any payments made nor missed, nor the dates on which those payments were made or missed. There isnt even any documentation with my signature on it that proves this is even my account at all. This information could have easily been drawn up and sent by anyone or simply created in human error. Their verification document in no way provides sufficient verification of this alleged debt. There isnt any legitimate, verifiable proof that I owe anything to their Company, because I dont. 

This collection on my credit reports are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. You should also be aware that reporting such invalidated information might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} FCRA violation fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

I intend to follow through with the suit if this is not deleted from my account within 15 days. 

Sincerely,
Complaint sub-issue: Attempted to collect wrong amount

I'm writing, because I dispute Debt with XXXX and XXXX about my credit report and I ask them to Validation and for verification about debt collection. I never receive any mail of my dispute on XX/XX/XXXX the amount of {$6100.00} and {$1500.00} were remove. So on XX/XX/XXXX they a loud a new Third party which I have no idea who these debt collection are. I'm so tried of asking XXXX, XXXX and XXXX to accuracy on my credit report, because the Credit Bureau report inaccurate information meaning different amount, open account, high balance. every month reporting charge-off after it been close. this is a Violation my right to privacy.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX - XXXX This account is being improperly reported, I have disputed this account XXXX XXXX and this account has been removed from my credit report due to not being able to be accurately and thoroughly verified.
Complaint sub-issue: Debt was result of identity theft

I HAVE NO ACCOUNT WITH ANY OF THE CREDITORS ON MY CREDIT REPORT NOR DO I HAVE ANY CONTRACTS WITH ANY OF THE CREDITORS ON MY REPORT THESE ACCOUNTS WERE OPENED BY SOMEONE WHO HAS STOLEN MY IDENTITY
Complaint sub-issue: Non-sufficient funds and associated fees

I am cosigner for a checking account for my nephew who is a college student. 
His account went into negative on XX/XX/XXXX. 
From then until XX/XX/XXXX, PNC has charged the account 25 times with {$36.00} penalties, plus several overdraft fees of {$7.00} each. 
There are several ACH XXXX XXXX Payments & reversal in between. All the penalties are associated with these XXXX payments/reversals. Throughout this period the account is negative as there are no deposits until they withdrew money from my personal checking account for {$1200.00} which is linked I believe to my nephew/my cosign account. 

What concerned me PNC is involved in fradulent activity in dealing with my nephew ( college student ) account. Why it waited 3 weeks before with drawing money from my account, when they could do it 3 weeks earlier. In the mean time they applied penalties of {$950.00} to this college student account. I am concerned that if I had higher balance in my personal account, PNC would have continued their fradulent penalty activity several more days/weeks. Fortunately my balance in my personal account at that debit time was {$1200.00}. 

I have brought this to PNC 's attention overphone and inperson, as well as speaking with their consumer complaints department. All their answers are basically putting the blame on the customer. I understand the customer is responsible, but PNC used it as an excuse to continue charging the college student many continuous penalties ( 25 times in two weeks! ). Also concerned is the other party XXXX business practice in this case. All the transaction involve in this case XXXX payments. If there are rejection of payments on a regular basis, how XXXX is able to submit many of these transactions for several more weeks daily. 

Looks like PNC is trying to make money on innocent, vulnerable college kids through fradulent business practices. Looks like they have started this practice in XX/XX/XXXX. Earlier, I did n't see this activity. Something changed at PNC. 

Hope some one at federal government addresses this fradulent activity from PNC.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ;
Complaint sub-issue: Didn't receive enough information to verify debt

I called citibank to find out where this debt was and have it verified. Citibank stated the debt was passed the statute and they will not be sending anything in the mail to verify the debt I can either pay the full amount and have it closed out or have it report on my credit report as is. 


I ask that you please have all calls pulled from my communication with them XXXX XXXX XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX XXXX, was a victim of identity theft, and my FTC Identity Theft Report is attached. This notice and compliance are fully authorized by me. My identity theft affidavit has also been mailed to all relevant CRAs. I have never approved or given my expressed written authorization or consent to any 3rd party affiliate CRA to share my information with the following accounts ; please be advised that without consent, identity theft occurs, and I have the right to privacy : XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX XXXX XXXX amount {$570.00} was deleted off my credit report due to they wasn't able to provide my bearing signature with a contract
Complaint sub-issue: Investigation took more than 30 days

I filled a dispute with the credit bureaus and its been well over 45 days.
Complaint sub-issue: Account status incorrect

im having some very weird issues with my credit scores and the discrepancies amongst the three bureaus and my FICO score. The range of my score is so vast and the information is so different on all three I dont know whats real and I dont know how Im being denied credit. My main issue is with XXXX XXXX. I am very frustrated because I can not log into my account the website keeps refreshing and asking me for my information over and over when I phoned them trying to get someone in customer service I can not get anyone to talk to unless I give a robot all my information like my Social Security number my birthday my address and that is not OK. 

I really could use some help determining why my score is so low when the credit card companies give me my letter of denial the score they give me is way off and so low from what I see when I log into XXXX or XXXX XXXX. Also, theres information on my credit report that shouldnt be there anymore and I am very ineffective and getting it taken off. I have disputed it it has been resolved and yet its still on there really negatively affecting my life.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following accounts were not opened by me, nor was service received. Please deleted them from my credit report : XXXX BANK, XXXX. ( The company stated they would delete the account since it was open fraudulently, however they only closed it ) please delete account. XXXX XXXX XXXX XXXX ( was not opened by me please delete the closed account ) The following inquiries were not done by me, so please delete XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX BANK XXXX XXXX XXXX XXXX
Complaint sub-issue: Seized or attempted to seize your property

In XX/XX/XXXX my husband purchased from XXXX a zero turn lawn mower XXXX monthly zero interest XXXX beginning balance. paid on time all of XXXX found out husband was ill last part of XXXX still made payments in XX/XX/XXXX i paid the XXXX payment monthly plus an extra payment XXXX so total XXXX monthly I did this every month till XX/XX/XXXX then went back to making XXXX then increased it to XXXX I admit when my husband had his double XXXX transplant we got behind a couple months made those up had a couple NSF made those up also. Then XX/XX/XXXX I had it paid down to XXXX XX/XX/XXXX I made a payment XXXX from a bonus check i had gotten then on XX/XX/XXXX I made a XXXX payment to pay the loan in full the first part of XX/XX/XXXX I received a letter from XXXX that stated my husband loan was paid in full as of XXXX then nothing went on with life on XXXX two men showed up at my door at XXXX XXXX  and said they were with XXXX and was repo my lawn mower i advised them it was paid off he called a man named XXXX that said he was with XXXX come to find out he was with Avante USA in XXXX never MM me or verified who I was was rude would not listen to me then the next day XXXX a lady from Avante called my husband her name was XXXX said she had talk to me in XXXX and I had set up payments XXXX a month which is not true so there again they disclosed my personal information to someone so I sent them bank statements and talk to XXXX at Avante he sent me payment history that does not reflect have of my payments I reconciled it with bank statements I have been embarrassed called a liar and harassed also they have violated FDCPA laws
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom this may concern, RE : Inaccurate and Unverified accounts Account name : XXXX XXXX  Account number : XXXX ( partial acct. # ). Violation Status following your investigation : Charge-off Account name : XXXX XXXX Account number : XXXX ( partial acct. # ). Violation Status after investigation : Charge-off Account name : XXXX Account number : XXXX ( partial acct. # ) Violation Status following your investigation : Paid, XXXX balance Account name : XXXX XXXX XXXX Account number : XXXX ( partial acct. # ) Violation Status following your investigation : Charge-off Account name : XXXX XXXX Account number : XXXX ( partial account # ) Violation Status following your investigation : Seriously past due date Account name : XXXX. XXXX, XXXX Account number : XXXX ( partial account # ) Violation Status following your investigation : Seriously past due date Account name : XXXX XXXX XXXX Account number : XXXX ( partial acct. # ). Violation Status following your investigation : Seriously past due date Account name : XXXX XXXX XXXX  Account number : XXXX ( partial acct. # ) Violation Status following your investigation : Seriously past due date I am sending this letter in response to the results of your incomplete investigation. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing these accounts and requesting a validation of debt. ( XXXX XXXX XXXX Sec. XXXX ( b ) ). 

I am NOT requesting a verification, but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. Please provide me with the following information : XXXX. State what the money you say I owe is for. 
XXXX. How did you come to determine that amount? 
XXXX. Provide copies of agreements bearing my signature, stating that I agreed to pay what you say I owe. 
XXXX. Show me the proof that you are licensed to collect in my state ; provide your license number. 
XXXX. Provide me with proof that the statute of limitations has not expired. 
XXXX. A valid, legible copy of the agreement stating the debt and interest charges. 
XXXX. How is a closed collection account past due? This is a violation of the FCRA! 
********DELETE THESE ACCOUNTS********** As you know it is against the law to report any information not proven accurate. If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop. 

Thank you, XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX  XXXX # XXXX is reporting a 30 day late to my account in XX/XX/20 that should not be on there. I had made my payment online and thought it went through and I did not realize there had been a system error until I got a late on the account. I would like this late removed, I have had this account for a very long time and have never been late before and this late was not my fault.
Complaint sub-issue: Was not notified of investigation status or results

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 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 XXXX, XXXX XXXX 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 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 XXXX  Account # XXXX and Account # XXXXhas violated my rights. 

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

15 U.S. Code 1681 section 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Debt is not yours

Best buy credit card citi bank issuer Had good account history for months of on time payments an auto pay from XXXX XXXX Then XXXX XXXX had several failed system issues there entire system crashed numerous times causing people to be stranded without funds or ability to pay for goods an services. I was one of the victims XXXX contacted me an pressured me to not sue them or they would close my account. Because of these issues with payments not being processed best buy citi credit card was closed I was informed by citi it would be closed. They continue to charge me interest I tried to settle the account but they charged me more then my credit limit in fees. 

If an account is closed why would you keep charging a customer for it. I'm fighting without help can you assist in resolving this I would like to pay the settlement amount they will offer from the total XXXX. 
Contact me
Complaint sub-issue: Debt was result of identity theft

I received a collection notice from Radius ( 2nd collection agency ) on XX/XX/XXXX. The debtor description listed XXXX XXXX yet I've never had any account with XXXX. I called XXXX and learned that the account was opened by XXXX on XX/XX/XXXX by someone using my old name ( changed in XX/XX/XXXX after marriage ), a fake email address and phone number. I didn't open this account. The account was apparently closed in XX/XX/XXXX at which time XXXX sold the debt in the amount of {$980.00} to Jefferson Capital Systems on  XX/XX/XXXX ( 1st collection agency ). I never received any invoice or collection notice from XXXX or Jefferson Capital Systems. The first time I learned of this was when I received the collection letter from from XXXX. I filed a police report on XX/XX/XXXX and it was approved on XX/XX/XXXX. I've pulled my credit reports and observed no suspicious activity. Through the FTC/Identify Theft.Gov, I submitted all appropriate paperwork and demand letters to XXXX, both Debt Collectors and all Credit/Reporting Agencies. All aside from Jefferson Capital Systems have responded and wiped out the debt/resolved the issue. Jefferson Capital continues to pursue collection of this falsified debt. I have all documentation related to this matter. Please help me.
Complaint sub-issue: Information belongs to someone else

I submitted XXXX request letter to block identity theft information on my report. Per law this was to be done within 4 days. I have also included a police report, FTC identity theft affidavit, proof of my identity. These documents have been received as of XX/XX/2021 but no information has been blocked. I have included a copy of my request for block, affidavit, police report and proof of identity along with this complaint. The documents submitted were not a request to dispute/investigate but a request to block the information under section XXXX XXXX b ). 

Thank you XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
Complaint sub-issue: Debt was paid

This is a debt that was paid off before I even received services with  XXXX   XXXX  again. ERC says I owe them {$330.00}. This is impossible since I settled with ERC the first time my account was in collection, paid {$100.00} to pay off that account on  XXXX / XXXX /  XXXX  . Which was a true debt. I 've called them many times to try and get this settled, the person on the other line knew it was n't a true debt and always credited my account. Then the {$330.00} would keep reappearing on my account with no end. Now it is in collections for the second time even though I had already paid it off. I have no access ( because of   XXXX    ) to my account with them so there is no way for me to look up anything related to my debt charges.   In the attached documents below, there are payments that add up to {$330.00}. My last payment was the {$100.00} for the debt settlement.