Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Cashing a check

I requested my HSA funds from XXXX XXXX be transferred by check to my new PNC HSA account. However, XXXX sent the check to the wrong bank, XXXX XXXX. XXXX XXXX cashed a check that was not written to them as it was written to PNC BANK FBO XXXX XXXX. A copy of the check provided to me by XXXX will be attached showing endorsement by XXXX XXXX. I have tried for over month calling all three banks with no resolution as it is difficult to communicate with XXXX and PNC refusing to do what the other two banks recommended. Essentially, XXXX XXXX has my XXXX account funds which they won't release back to XXXX until fraud forms are filed by XXXX and filled out by PNC. PNC is refusing to file the fraud form. XXXX are telling me I can't fill the forms out since the check was technically written to PNC and not me directly even though my name is also on the check as the FBO. PNC is telling me the funds are mine not theirs and refusing to file the form.Thus, I'm left without access to XXXX of my money that XXXX sent to the wrong bank that fraudulently cashed said funds. No bank seems to be communicating with each other and nothing is getting done to return my funds by anyone at this time. Also attached is the fraud form PNC is currently refusing to fill out.
Complaint sub-issue: Account information incorrect

On XX/XX/2019 collection agency XXXX XXXX reported an open balance of {$1000.00}, I contacted the original creditor XXXX, XXXX and XXXX  to advise them this was included in Chapter XXXX discharged bankruptcy. They have refused to update the balance, report the account as Bankruptcy and will absolutely not respond to my right under the Federal Bankruptcy Law.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was warned by my card company ( by phone ) that two XX/XX/XXXX resort charges for {$1100.00} and {$600.00} looked like possible fraud. I informed the card representative that my daughter and I did not make these charges. He cancelled our cards. Later, I receivied a card bill for XX/XX/XXXX-XX/XX/XXXX that still had the two resort charges. I called a card representative and told him the two charges were on my bill. He cancelled our cards again. Next, I received a card bill for XX/XX/XXXX-XX/XX/XXXX that still had the resort charges and interest on those charges. I sent my letter of XX/XX/XXXX to the card company complaining and asking removal of the fraudulent charges and interest from my account. I then received the card bill for XX/XX/XXXX-XX/XX/XXXX with the fraudulent charges and more interest still on the bill. I sent my letter of XX/XX/XXXX complaining and requesting a reply by XX/XX/XXXX. I then received the card company XX/XX/XXXX letter stating : " Per our records your account was issued a credit from the merchantin the amount of {$600.00}. Therefore, we have billed your account {$600.00}. This correction shows on your XX/XX/XXXX statement. We now consider this investigation complete. '' I then sent my letter of XX/XX/XXXX saying I had not received a credit of {$600.00} from the resort. The card company then replied by their letter strangely dated XX/XX/XXXX saying I was previously rebilled for the {$600.00} charge, and they had recredited my account for this amount. The adjustment would appear within one to two billing cycles.The card bill for XX/XX/XXXX-XX/XX/XXXX showed the {$600.00} credit, but it showed a balance that included the original fraudulent charges plus interest. ( I admit that I did not initially notice that the original fraudulent charges were still included in the balanced owed. ) I then sent my letter of XX/XX/XXXX saying that my card bill should only contain my current charges. I want my futures billings to only show what is owed from current charges and no interest. I always pay the full blance that I owe on my cards ( minus fraudulent charges ) so that I never incur any interest.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquiries from these companies. 
* XXXX XXXX XXXX via XXXX  XX/XX/XXXX * XXXX XXXX XXXX via XXXX XX/XX/XXXX * Primary Residental via XXXX XX/XX/XXXX Disputed these with all 3 CB. Received 3 letters from XXXX stating that they can NOT find inquiries. Called all 3 CB to let them know of these letters to have the inquiries removed and was told to file a claim with you.
Complaint sub-issue: Funds not received from closed account

Re : CFPB CASE NO. XXXX After receiving citibank 's response I contacted them ( after very long hold times and numerous calls and online attempts ) and requested they close both my checking and savings accounts and send me the proceeds. They were not cooperative and still have not returned all of my money. I have records of appx. 12 conversations regarding this matter, including conversations and messages left for Mr. XXXX XXXX ( referenced in citibank 's response letter ) but I still don't have my money. I am rightfully owed {$8500.00} and demand they pay me immediately.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

The accounts are listed as follows : XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXXXX
Complaint sub-issue: Billing problem

I was in a wreck on XX/XX/19. The car was a total loss and the insurance company declare it so within a week. US Bank is the lease holder. For nearly a month my insurance has ( XXXX ) has been attempting to pay off the car. They have submitted all the requested paperwork to US Bankand have even conferences me in on a call to them to confirm that they have received all the documentation. Each time US Bank tells them to refax the information, which they do immediately. They have also emailed me confirmation. Still US Bank has not provided them with a pay off information. I just got a bill in the email for the next payment for a car that was wrecked over a month ago. I have already purchased a new one since I had to have transportation and cant and should not have to pay on a car that is totaled and which the insurance company is willing and able to pay off! US Bank has provided no reason why they are not completing this transaction, and when I call and ask what I need to do, they just direct me to call the insurance company so they can fax documents again. It is a never ending circle and US Bank has not escalated this issue or offered to help in any way.
Complaint sub-issue: Information belongs to someone else

In 2018 XXXX  removed the fraudulent accounts, addresses and names on my credit report and now they are all back on my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I had a hard inquiry on my credit from a company called Credit Plus which i had to XXXX them to find out that they were a mortgage company. I never gave them authorization to do a credit check and I don't even know this company. I have never contacted them or asked them for anything.
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX 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
Complaint sub-issue: Fraudulent loan

*Total Sale Price* The total cost of your purchase on credit, including your down payment of {$1200.00} added to XXXX is XXXX my down payment was not deducted from my total amount my down payment was not a credit.
Complaint sub-issue: Frequent or repeated calls

I have recieved 3-4 calls a week since the beginning of the month at random times, anywhere from XXXX to XXXX. Upon answering the phone and saying hello no one answers, I can hear ringing and such in the background but after saying hello 2-3 times they just hang up. They just continue to do the same thing over and over again. I do n't know what company this is or what they are trying to collect from me. The only information that I have found is when I call them back they tell me that the company is EOS CCA. I refused to talk with them because of the random and harassing phone calls I have been receiving.
Complaint sub-issue: Old information reappears or never goes away

I have attempted multiple times to get XXXX and the Credit Reporting agencies to update my three private student loans. When I made a payment to XXXX it was for my federal student loans, not my private loans. The private loans were from XXXX and were beyond reporting years even in 2017 when XXXX claims XXXX made my last payment and/or became delinquent. I paid my FEDERAL loans that were managed by XXXX at the time, not my private loans. 

I have contacted Equifax and XXXX multiple times, as well as my husband since he is my co-signer on the private student loans with XXXX help. I've asked for a copy of whatever proof has been given to show the money went to the private loans, but all I receive is the comment " the creditor has verified that the date is being reported correctly. Additional information has been provided from the original source regarding this item. '' I have never, sadly, made any payments on my private loans that I took out for my degree at XXXX University. I believed that all of my loans had been consolidated and only paid, minimal federal student loan payments. XXXX is incorrect in reporting that I made a payment on my private loans and the money paid should have been posted to a federal loan payment that they were managing. 

I would appreciate any assistance in correcting this information on my credit report as well as my husband 's. I'm being punished for debt that is older than 14 years. 

Thank you in advance.
Complaint sub-issue: Reporting company used your report improperly

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
3. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
4. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
5. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
6. Identity Theft XXXX Account Number : XXXX Delete this account. 
7. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
8. Identity Theft XXXX Account Number : XXXX Delete this account. 
9. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
10. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 
11. Identity Theft XXXX  Account Number : XXXX Delete this account. 
12. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 
13. Identity Theft XXXX  Account Number : XXXX Delete this account. 
14. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
15. Identity ThefXXXX XXXX XXXX Account Number : XXXX Delete this account. 
16. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX 17. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX XXXX. The inquiry was not authorized XXXXXXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom It May Concern : I have recently been informed that there are negative information reported by XXXX XXXX XXXX in the amount of {$14000.00} with status of charged-off, amount of {$10000.00} with charged off status, amount of {$6500.00} with charge off status, amount of {$5500.00} with charge off status, XXXX XXXX with {$0.00} balance with 120+ late status opened XX/XX/XXXX, and Lending Club Corporation with {$0.00} balance with charge off status opened XX/XX/XXXX on my credit file they maintained under my Social Security number. I sent XXXX XXXX XXXX, XXXX XXXX, and Lending Club Corporation letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking to provided documented proof, bearing my wet signature, showing I consented to the inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. I also asked XXXX XXXX XXXX, XXXX XXXX, and Lending Club Corporation to provide me proof of the signed contract and copies of any documentation associated with this account, bearing my signature which they claim the account belongs to me. Furthermore, I formally asked XXXX XXXXXXXX XXXX XXXX XXXX, and Lending Club Corporation that In the absence of any such documentation bearing my signature, I formally request that the information be immediately deleted from my credit file they maintained under my Social Security number. XXXX XXXX XXXX, XXXX XXXX, and Lending Club Corporation as of XX/XX/XXXX, still has not provided me with any documentation or contracts, bearing my wet signature, showing me proof that I consented to them running any inquires or having a contract with them for what they say belongs to me. I was told by XXXX XXXX XXXX, XXXX XXXX, and Lending Club Corporation that they do n't have to show me any proof and that I heeded to take it up with the Credit bureau to get it removed. When requesting documented proof of the contract and asking to show proof I consented to having XXXX XXXX XXXX, XXXX XXXX, and Lending Club Corporation run inquiries, bearing my wet signature, XXXX XXXX XXXX, XXXX XXXX, and Lending Club Corporation sent me billing statement stating that this was verification I requested which is false and they said it was proof. I never asked for billing statement because that 's still not showing any contract or documented proof, bearing my wet signature, that they was authorized to run an inquiry or even prove the account is even mine. This is wrong and when I asked the question to where does it say in the FCRA that you do n't have to show me proof, they could n't tell me and only said that it was in FCRA.
Complaint sub-issue: Reporting company used your report improperly

In XXXX of XX/XX/2021 I changed bank accounts and forgot to update both accounts causing me to have a late payment on ( XXXX XXXX, XXXXXX/XX/XXXXXX/XX/Lead ). since then and before then I haven't missed one payment I would like the late payment be removed on both accounts. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Fee problem

XX/XX/21 attempted to call customer service center. On hold 55 minutes. Had to hang up. 
XX/XX/21 on hold 45 minutes. Rep, transferred me to XXXX a supervisor. After discussing that I had not had a negative balance, XXXX advised me it was a pending debit card purchase to XXXX XXXX that I was charged me. I advised that shouldn't be as my account shouldn't be charged on debit card purchases that would take me overdrawn. XXXX disconnected the call. 
XX/XX/21 XXXX visit to speak to the manager.

During conversation when I asked the manager to confirm the default setting so Point of sale is not approved, he confirmed it was and then informed me that it wasn't the XXXX purchase, it was an ACH for XXXX XXXX. A quick change of transactions from one not eligible for a fee, to one that is. However as I asked him, provide physical proof, that is different from my statement that shows a negative balance. He was unable. He also told me he did not have the power to reverse more than one courtesy fee and that he would have to send request through to his regional manager. I accepted him at his word. He called me one hour later and said no, I again asked for proof of a negative balance and again it was not provided or offered. 
I called a call center again, spoke to XXXX, who transferred me to XXXX. With the discussion, XXXX told me that in fact the local Manager does have the power to reverse fees, however XXXX does not but after much insistence, I asked his Manger to call me. He said his manger XXXX was in a meeting but would call me afterwards. 
No phone call was received. 
XX/XX/21 After numerous messages to the bank XXXX account, I received a phone call. Again, despite repeated requests, no proof has been provided, just verbal assurances that a valid purchase was made that pending, made me overdrawn, but posted it did not. Advised it was the XXXX XXXX purchase. Again pointed out the point of sale default setting and she hurriedly changed it back to XXXX life transaction. 
I kept insisting that I can't just go on their word, that I wanted a document showing my overdrawn balance. Phone call was disconnected. 
I went to the bank and directly asked the manager if he did or did not have the power to refund fees based on what he said to be yesterday. He refused to answer the question, I asked him if that was because he didn't want to be caught in a lie, he just kept repeating the fees were not being refunded and refused to answer any other question I asked of him. I asked the assistant manager to request the regional manager call me. 
XXXX XXXX called me stating she was the regional manager. ( XXXX XXXX XXXX ) She was very impatient, refused to acknowledge what I was saying and just continued to reiterate that fees were not being waived. I asked for a complaint procedure and she terminated the call with me. I am left with my bank statement showing credit balance but still being charged a fee for an overdrawn balance and apparently according to my local Bank of the West I have no recourse.
Complaint sub-issue: Information is not mine

XXXX Cards XXXX XXXX XXXX XXXX, DE XXXX XXXX : Acct. XXXX Acct : XXXX XXXX Cards notifying me XXXX XXXX XXXX of the above debts. 
I contacted the XXXX major Credit bureaus and XXXX Cards making a point of proving to them that I was the victim of Identity Theft. The entities named above validated the debt as mine, yet they did not provide any documentation legally linking Me XXXX XXXX to the account. 
The problem with their validation is : 1. I was residing in different city than the one provided for the origin of this account. 
2. Therefore the accounts are linked to an Address that I never resided at 3. The number one way companies validate an account is through a signature neither of the entities above have done so.
Complaint sub-issue: Public record

I have a state tax lien from Georgia that was paid and withdrawn in 2008 but Equifax and XXXX WILL NOT remove it from my credit file and it is showing as a derogatory public information. I have sent them court evidence from Georgia stating that the lien was withdrawn. It has impacted my financial security and stability for the past 3 years and I am of limited means and this is very frustrating. I am asking Equifax and XXXX to please remove this incorrect information from my credit file.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) have 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.
Complaint sub-issue: Public record information inaccurate

I am making a final goodwill attempt to have Equifax and XXXX to clear up this matter. They have sent back verified and entirely inaccurate, unverified and represent a serious matter in their credit reporting that they maintain under my social security number. 

Also, please be advised that this is my second time contacting them both about this matter in writing. These companies are in violation of 15 U.S.C 1681. They both have XXXX XXXX reporting as the verification 3rd party, they have no permission to furnish any information on my credit report in the first place. Also note that third party verification systems also known as Pacer.gov, The Fair Credit Reporting Act mentions nothing in section 1681c relating to bankruptcy about dismissals or filings. The Law clearly states date of adjudication or date of order for relief. You have no right to maintain information which the government has deemed as non-existent. I am exercising my rights in accordance with section 1681 ( a ) ( 5 ) of the Fair Credit Reporting Act that you delete this from my credit report and send me an updated copy. 

Because FCRA Section 623 ( a ) ( 8 ) allows the consumer to follow up with the data furnisher if they believe that the previously disputed account is innacurate by requesting an investigation be done by the furnisher to prove the accuracy of what has been reported. The courthouse listed on the reports responded that it did not provide this information to either bureau, and XXXX promptly deleted it. 

FCRA Section 611 ( a ) ( 2 ) requires XXXX Equifax and XXXX XXXX ( which attached document shows XXXX XXXX attempted to dispute this with XXXX  and Equifax ) to  ONLY report information from the original furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this unverified bankruptcy showing on my XXXX XXXX Equifax and XXXX report. 

Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Therefore, any 3rd party validation or subscription to PACER is not validation and is a violation of FCRA 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information which is an additional violation of section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices by purposely reporting information that they have assumed is verifiable based off circumstances.