Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account opened as a result of fraud

Good evening, I received an alert from XXXX  that on XX/XX/2021 a PNC Bank account was opened using my SSN. I never opened an account with this financial institution. I immediately contacted XXXX XXXX  XXXX alert team to let them know of the identity theft/criminal activity. I also contacted the local police to file a report. On XX/XX/2021 I went to the local PNC Bank in XXXX, MD to report the fraudulent activity. I spoke with the lady at the customer service desk and told her the issue. I specifically told her that I wanted to speak with the branch manager. I was first approached by a representative who was not the branch manager. I then was met with another representative who said that she was the branch manager. I accompanied the branch manager to her office. I shared with her the serious offense and showed her the XXXX screenshots of the fraudulent activity. She asked me to put in my SSN and said that she did not see anything. I again explained to her the facts and added I have a lot of questions. Before I asked my first question, her phone rings and she begins to talk with another customer while I am sitting in her office. More than a minute goes by and she is still talking on the phone with this customer. I was so displeased by her lack of professionalism, lack of security/privacy act protocols, dismissive attitude, and sheer disrespect that I began to gather my things and proceed to leave her office. As I got up, the branch manager stops talking with the customer on the phone and asks me if I was okay. I responded that I am not okay and left. The branch manager did not answer my questions or provide me with an identity theft affidavit or anything regarding the fraudulent/criminal activity. The way she treated me was deplorable. As an honorably retired and permanently XXXX military veteran, I am extremely shocked by the XXXX PNC Bank branch manager 's action towards me and to the other customer whom she held a phone conversation with while in my presence. I request that PNC Headquarters address the unresolved criminal activity regarding the theft of my identity, address the branch manager 's unprofessional/disrespectful/dismissive treatment towards me and my fraudulent activity complaint, and address how the branch manager violated security and privacy concerns while having a phone conversation with another customer while in my presence. I will standby for further instructions to provide additional information ( PNC Bank Branch manager name, PNC Bank Customer Service name, XXXX screenshot of fraudulent activity, police report, etc. )
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX Account number beginning XXXX appears on all 3 credit reports as purportedly " late '' with a payment in XXXX XXXX. That is inaccurate. At the time, I requested a new closing date on the XXXX account to coincide with other closing dates such that I can make payments to all my credit cards at one time instead of scattered through a month. I was informed by phone that the closing date was changed, and payment was made by the new due date in a timely manner. However, it was n't until one month later that I was informed the payment made in XXXX XXXX for XXXX XXXX was considered " late '' because the new closing date would not go into effect until the following month, i.e., exactly the opposite of what I was told by phone. The problem with the credit report is that there is no way I can " prove a negative '' in the sense that it was a recorded conversation and you will see form the XXXX records that a closing date/due date WAS in fact changed, leaving that as my only evidence. However, I do not believe any of the the 3 credit reporting companies investigated this properly, took XXXX at their word with no evidence of the recording ( which XXXX tells you at the beginning of any customer service conversation is recorded ), thereby leaving me to no fair opportunity to properly dispute the so-called late payment or prove it is incorrect. The account has since been closed and paid in full.
Complaint sub-issue: Deposits and withdrawals

1 ) I scheduled {$10000.00} to be transferred from my Citi savings account to XXXX XXXX XXXX   ( XXXX ) on XX/XX/2020.

2 ) SNB never received the funds and when I called Citi on XX/XX/XXXX, the agent told me that the transfer was cancelled out of concerns for fraud. Then I questioned why the {$10.00} was still deducted from my account, he informed me it should be back into my account automatically. 
3 ) On XX/XX/XXXX, still not seeing the money back into account, I called again, and the agent assured me again it should go back to my account soon. 
4 ) I urgently needed the money but still not seeing it back onXX/XX/XXXX, I had to call again. But after waiting on the phone for more than one hour, I got disconnected by the system! By the way, for the previous two calls, each time I had to wait for more than one hour before I can speak to an agent. 
5 ) Called again on XX/XX/XXXX ( this time I wrote down the agent 's name : XXXX ) -she said she would create a case and escalate this issue. 
6 ) XX/XX/XXXX, still nothing! Called again, the agent didn't see any active case in my account! But she was finally able to create a case ( investigation XXXX ). 
Again the call took me quite some time ( 2h41m on XX/XX/XXXX ). 
7 ) On XX/XX/XXXX, almost one month later, the {$10000.00} was finally put back into my account.

8 ) I have been extremely frustrated with this experience - Citi 's system glitch ( cancelled my transfer request but still took money away from my account ) was very weird, but the way the customer service was resolving this simply issue is just unbelievable! Not only I lost interest during this period of money disappearing, but much more importantly it cost me a ) more than 13 hours of time ; b ) the opportunity cost of the {$10000.00} ( I was transferring money into my brokerage account ).

9 ) I called on XX/XX/XXXX, asking if I can get any compensation on this. The agent told me that she was not able to provide any credit, even for the lost interest!
Complaint sub-issue: Didn't receive notice of right to dispute

I.C. SYSTEM, INC is attempting to collect a debt from XXXX XXXX for {$1100.00}. I lost my job and could not continue to pay as my family became XXXX. Ive just been awarded rapid rehousing and have saved up {$400.00} to settle the debt. I have not been able to reach the company in regards to settling. I am in need of financial assistance.
Complaint sub-issue: Account status

Received disclosure notice dated XXXX/XXXX/XXXX from XXXX Mortgage. 
Continue to see that credit reporting agencies insist on reporting key factors that adversely affected my credit scores. A review of latest credit report does not support these adverse key factors. 
Credit Reporting Agencies continue to report inaccurate data to lender and/or financial institutions. As stated in previous complaints, key factors continue to be reported on disclosure as far back as XX/XX/XXXX. 
Complaint # XXXX ; XXXX ; and XXXX were sent on these very same issues. There are no serious delinquent accounts ; the number of accounts with delinquencies is XXXX ; Collection is currently being investigated. The number of inquiries has dropped to only XXXX for XXXX. XXXX has deleted XXXX inquiries per my letters requesting to remove. No responses to remove inquiries have been received from EQUIFAX.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Account information incorrect

I requested an investigation of t the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

There has not been a response to my disputes on XX/XX/3019 nor XX/XX/2019
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX is not my account and keeps appearing on my credit after deleted Inquires removal was requested several times
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX  XXXX {$1800.00}
Complaint sub-issue: Card opened as result of identity theft or fraud

I looked at my credit reports in XXXX  Credit cards on my XXXX credit reports, namely Equifax, XXXX, and XXXX XXXX XXXX XXXXXXXX there are XXXX XXXX  XXXX accounts.Also there is The XXXX account as well.
Complaint sub-issue: Didn't receive notice of right to dispute

My name is XXXX and today I received a telephone call from ERC regarding a debt that they stated I owed from XXXX XXXX. ERC said that this debt was owed from 2013 in the amount of XXXX. The representative, XXXX XXXX, was very mean and angry and I am a XXXX year old man with medical problems. I have never received a letter from this company regarding this debt and the representative demanded my credit card or a check by phone. I gave my daughter, XXXX XXXX, permission to speak with them because I felt threatened and did n't understand what was going on. She requested a supervisor and the supervisor was XXXX XXXX ID # XXXX. The supervisor admitted that they had not mailed a copy of this debt to me. My daughter advised that the telephone number that they contacted me on ( XXXX ) was on the national DNC list and was owned by her and should never have been called. The supervisor apologized for breaking the law and said that he would never contact me again. I am very stressed and displeased with the way I was treated my ERC. I am XXXX years old and this is no way to treat a senior citizen.
Complaint sub-issue: Information belongs to someone else

I recently pulled my credit report and discovered a collection account listed as XXXX XXXX in which I have never had an account.Furthermore, I do not have any collection accounts for any company. I do not have outstanding balances either. This erroneous information is preventing me from obtaining a home loan and I'd like it removed at once.
Complaint sub-issue: Information belongs to someone else

During the time period of XX/XX/XXXX - XX/XX/XXXX I contacted several companies reporting negative information to review and assess this information. I'm a victim of identity theft and believe these accounts are related to this occurrence. I provided sufficient documentation to justify my position and prove that this information is inaccurate and does not belong to me. These companies have failed to provide any substantial proof of these claims belonging to me. I'm troubled by these actions because despite the removal of the same inaccurate information from the major credit bureaus these companies continue to report as verified. I still do not have not any proof from the creditors certifying their claim.
Complaint sub-issue: Reporting company used your report improperly

Discover is in violation of federal law pursuant to 15 U.S. Code 1692c ( a ) ( c ) - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated.

( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Communication is defined as ( 15 U.S. Code 1692a ( 2 ) ) ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

I the consumer have never given explicit written consent for Discover to " communicate '' or furnish an alleged debt on my consumer report. Consumer report is considered a " medium '' where information is furnished.

I demand Discover cease and desist pursuant to federal law 15 usc 1692c ( c ). Discover is in violation if the account is continuing to report on my consumer reports and Discover does not have permissible purpose to report this account pursuant to 15 usc 1681b.

Immediately remove from all consumer reports DISCOVER FIN SVCS LLC Credit Card with account # XXXX with a balance of {$1300.00}.
Complaint sub-issue: Public record information inaccurate

I have filed for them to remove this bankruptcy too many times. I have wasted money and sent letters certified and still no resolution. This is damaging my personal and business life. They stated that the information was verified in the enclosed document XX/XX/2020 but the bankruptcy was removed from XXXX  but is still currently reporting on XXXX  and XXXX. They are reporting inaccurate and unverifiable information and I would like for it to be removed and an updated copy of my credit report sent to me.
Complaint sub-issue: Didn't receive notice of right to dispute

There is a XXXX collection on my credit report, that i has no idea of until the collection was reported to the Credit Bureau. I was never contacted regarding this debt. If I was contacted there was never a message left requesting a return phone call. Therefore I was not aware this account needed my attention. I have contacted IC Systems in regards to this debt, and they stated an address that I have no lived at in 5 years. If I had been contacted about my address change I would have taken care of the situation. My correct address is listed on the report given by credit karma from CI Systems. I have still yet to receive a notice for this collection. The only reason I even know about this debt is through my credit karma credit report. I have attempted to go to their website to look over the debt I supposedly owe, but the company requires a reference number to the account which I do not have because I have never received a notice. I have no files to attach to this complaint due to never receiving a notice.
Complaint sub-issue: Trouble getting information about the card

I am not able to get into my online account for Direct Express. When I call the number on the back of my card I am asked to enter my PIN number. I don't enter my PIN number i am hung up on. I can only hear XXXX transactions on the phone. I have to wait on hold for XXXX to XXXX mins to speak with someone. My card does not work at the gas pump. I get charged for purchases I did not receive. I am not refunded and I can't get any help.
Complaint sub-issue: Information belongs to someone else

i recently obtain a copy of my credit report and noticed accounts i did not authorize
Complaint sub-issue: Reporting company used your report improperly

XX/XX/XXXX application for residency was denied by Core logic Rental property solutions, LLC. due to outdated negative information reported from XXXX.
Complaint sub-issue: Information belongs to someone else

The credit bureau is refusing to delete two collection accounts on my credit report that are not mine. They are all reporting under the same collection company called " XXXX XXXX '' with different account numbers. The first account is for {$2900.00} with account number # XXXX. The second account is for {$1000.00} with account number # XXXX. I have spoken to representatives at this XXXX XXXX company and the records that they have do not match my personal information. I was directed to dispute these errors with the credit bureau to have them deleted from my credit but the credit bureau is coming back telling me that I need to contact them back. I am being given the runaround when the issue is really with the credit bureau who does not want to fix their mistake.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX Re : Notice for Proof of Claim Account No. : # XXXX To Whom it may Concern : This is a legal and notarized document. XXXX XXXX   XXXX, XXXX. XXXX, XXXX XXXX XXXX. XXXX ( XX/XX/1959) .States Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is nontransferable. 
If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX  XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Also, I have received a statement claiming that I owe a debt to XXXX-XXXX  XXXX XXXX   and that you are the second collection company. Since this is an error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin. 6. ) Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and XXXX-XXXX   XXXX  XXXX  that gave you the right to collect this debt Account No. :XXXX  Respectfully Submitted What would
Complaint sub-issue: Account status incorrect

I was alerted that my credit score had a delinquent account. On XX/XX/XXXX, XXXX XXXX reported my credit as being delinquent with a last payment of XX/XX/XXXX. This information is incorrect. I made a payment of XXXX on XX/XX/XXXX and another payment of XXXX on or around XX/XX/XXXX and it was debited from my account on XX/XX/XXXX. In my XXXX account portal my next payment is not due until XX/XX/XXXX but the company has reported me late inaccurately. This is the second time I have had this problem with XXXX XXXX incorrectly reporting my credit information and refusing to correct it.
Complaint sub-issue: Debt was result of identity theft

This Account is Not mine, They stolen my identity Fraudulent Account I demand be eliminated. 
The Account Name is American Leading the account number is XXXX
Complaint sub-issue: Account status incorrect

I Have a problem with all 3 credit reporting agencies and how my FICO scores have been updated/handled, which would be XXXX, Equifax and XXXX XXXX. I have been trying to work on my my credit scores since late XX/XX/XXXX. What has happened with my credit scores recently is after paying off a debt or collection account, my credit report will be updated showing this information but it shows like a new collection account even though i paid my balance down to {$0.00}. This will cause my credit score to drop drastically. The first time this happened was around XX/XX/XXXX and my score dropped about 40-44 points across all 3 credit bureaus. 

Just recently ( XX/XX/XXXX ) my credit score dropped about 35 points for no reason. The only thing changed with my credit was i dropped my credit card utilization % between XX/XX/XXXX and XX/XX/XXXX. I have no idea why my credit score dropped and this has and will cost me and my family a lot of money. 

Over the last 3-4 months, i have lost about 80 points on my credit score for simply trying to pay my bills and do the right thing. I'm looking into an explanation as to why my credit score has dropped and if it is found that my credit score was dropped incorrectly, i would like for this to issue to be resolved by updating my credit score properly and giving me back my 80 points lost over the last 90-120 days.
Complaint sub-issue: Account information incorrect

Due to 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. I am also a victim of identity theft in XXXX