Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Deposits and withdrawals

I was refused service at the XXXX XXXX  XXXX, XXXX, TX XXXX PNC Branch by the branch manager XXXX XXXX. XXXX refused me service, telling me, " we will not serve you here ; you will have to go to a different branch. '' This is all after I came to this branch multiple times spending hours at the branch trying to get my money with multiple different tellers and with XXXX herself. 

Furthermore, the tellers refused to get any amount of money from any of my checking accounts. 

I did what XXXX said, left the XXXX XXXX  XXXX branch, drove to the XXXX XXXX XXXX, XXXX, TX XXXX branch location and was able to get all of my money out in less than 30 minutes from the teller.
Complaint sub-issue: Card opened as result of identity theft or fraud

I am writing you today as an aggrieved man. FIRST PROGRESS unauthorized took {$200.00} from my XXXX XXXX  account for a fraudulent account after my identity was stolen. I filed complaints against with the CFPB, XXXX and PA attorney generals office against FIRST PROGRESS and they closed the fraudulent account and removed in from my name, but they never returned my stolen {$200.00}. I demand FIRST PROGRESS to return my stolen {$200.00}.
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020, CREDCO add a hard inquiry on my credit report. 
On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Information belongs to someone else

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Was not notified of investigation status or results

I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX. Equifax is refusing to delete a tax lien record from my credit report that is not mine. It is being reported as paid and released but I have never had a tax lien placed against me for any reason. It has a " Date Filed '' of XXXX 2015 and account number # XXXX. It does n't make any sense for this to be on my Equifax report. The other two bureaus, XXXX and XXXX, are not reporting this on my credit at all. This account randomly showed up on my XXXX report a couple of months ago and the moment I sent disputes to have it deleted, XXXX deleted it very promptly. I am attaching a copy of XXXX XXXX  deletion letter. As the credit bureau 's records will show, I have been disputing this for a very LONG time. To this date, I have only received generic responses claiming the account information is accurate to be on my report. This is frustrating and confirms to me that the credit bureau has not been processing my past disputes properly. I am being given the runaround when the fault is really with the credit bureau and they are refusing to correct their mistake.
Complaint sub-issue: Reporting company used your report improperly

The accounts listed on my consumer report contain late payments. I have disputed this with this burau and have not been sent any proof that the late payments are accurate. I was never late with any payments. 

Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Wouldn't this be considered an experience Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX AKA XXXX XXXX XXXX XXXX is a collector for XXXX, a hospital the XXXX.I am a XXXX XXXX XXXX VETERAN with full medical benefits.While we are supposed to normally receive medical treatment at a VA facility, in the event of a medical emergency we can go anywhere and our treatment is covered.I was having the feelings and XXXX XXXX of a XXXX XXXX.I was on the phone with the VA..who told me to call 911.I arrived by ambulance to XXXX was treated in emergency care.I told the hospital that I had VA benefits at the time of service. YOU MUST DELETE THIS ACCOUNT..YOU are under CFPB CONSENT ORDER scrutiny for exactly this type of wrongful billing without debt validation. 2.XXXX XXXX XXXX XXXX collecting for XXXX XXXX XXXX XXXX. Some time ago I visited XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was defrauded by two salespeople double-teaming me.They sold me a plan of unlimited usage that I was happy with.When I received the 1st bill there was a multitude of many undisclosed charges and fees.I was angry at the obvious commission based fraud that I decided not to pay.Whatever I signed was explained as XXXX dollars per month unlimited service.What I received was nothing like what I ordered.If anything was changed it was changed after my signature by the salespeople.YOU MUST DELETE THIS ITEM AS YOU PARTICIPATE IN FRAUD and damage my credit as well. 3. XXXX XXXX XXXX XXXX XXXX ... .While the Dept. employees may be literate they have a mathematical error prone thinking.My report is inaccurate.NOT ONLY have they been paid in full, they have been overpaid.They have received two TRO 'S totalling XXXX dollars.XXXX report is attached for evidence even though it 's wrong too! The Dept. was paid this money in XX/XX/XXXX! You must delete according to FCRA.President Trump will receive copies of whatever you do which will support his plan to abolish the XXXX XXXX XXXX where dates, times, and amounts never match the facts. THE XXXX ACCOUNT has recently '' verified '' and I expect the other incompetents to do so as well with the current Equifax disputes. However ... where fraud occurs as in XXXX XXXX AND XXXX XXXX XXXX, the proper action, according to FCRA, is to " block '' the item from the report until the facts are sorted out.
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company XXXX XXXX XXXX : XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$98.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Transaction was not authorized

On XX/XX/2020 Citi bank allied a merchant to deduct founds from my account in the amount of {$190.00} at XXXX ET. The merchant in question did nit have access to this debit cards information and this is not the first time a merchant has gotten access to a new debit cards number owned by me without my authorizing it. Ive disputed the first merchant XXXX deductions for {$16.00} from my account ; when I called the bank the first time they told me MasterCard is sharing my card info with previous merchants they stopped it and now its happening again.
Complaint sub-issue: Investigation took more than 30 days

equifax, XXXX, XXXX XXXX and XXXX XXXX have failed to do anything sent police report and hacking reports
Complaint sub-issue: Information belongs to someone else

After reviewing my full three credit bureau report, I've came to the realization that I am the victim of Identity Theft, and I will most likely be hiring a legal team to help take care of this issue.

Attached is the notice to furnishers, and the FTC Identity Theft Report. All of this has been forwarded to the XXXX as-well.

Please find my updated contact information, and update it inside the personal statement ( s ), and such!

Best Regards, XXXX
Complaint sub-issue: Debt was result of identity theft

I have been reaching out to all three credit bureaus : XXXX, Equifax, and XXXX, for the past year and a half. I have been disputing the fact that I am the victim of identity theft and someone has been using my social security and personal information to get access to credit card accounts, loan accounts, and phone accounts and some other things I have no idea what they are. I have listed everything below and which bureau they are reporting as well as the amounts of theft which is almost {$20000.00} worth! 

Fraudulent Accounts that XXXX are reporting : XXXXXXXX XXXX Acct # XXXX debt for {$760.00} XXXX XXXX ( XXXX ) Acct # XXXX debt for {$2000.00} XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX debt for {$570.00} XXXX XXXXs ( XXXX ) Acct # XXXX debt for {$850.00} XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX debt for {$120.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX ) Acct # XXXX debt for {$13000.00} Fraudulent Accounts that Equifax are reporting : XXXX XXXX Acct # XXXX debt for {$760.00} Fraudulent Accounts that XXXX are reporting : XXXX Bank Acct # XXXX debt for {$760.00} XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX debt for {$570.00} XXXX, XXXX, and Equifax have failed to comply with the FCRA by not moving fraud accounts and I have filed a police report and identity theft report.
Complaint sub-issue: Reporting company used your report improperly

LexisNexis reported to XXXX, XXXX, & XXXX information concerning my bankruptcy by getting the information from PACER, a system of records used by the Federal government to store public records.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
The Following have violated my rights : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 also states consumer reporting agency can not furnish an account with my written concern.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

Equifax is reporting in accurate information on my credit report Ive called to get the in correct information deleted the inquiries below are fraudulent. 

XXXX XXXX XXXX inquiry date XX/XX/2021 XXXX & XXXX inquiry date XX/XX/2021 & XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 2021
Complaint sub-issue: Debt is not yours

Equifax refused to remove inaccurate account that has not been validated. Equifax continues to accept summarized typed documents from XXXX XXXX to continue Equifax to keep the account in my credit report. 

Equifax refused to properly investigate the account or the account balance. XXXX XXXX has given no validated SS or Driver license or proof of Balance. They keep typing up a letter and Equifax allows this and says account validated it is not
Complaint sub-issue: Debt was paid

I have a bill from XXXX for an xray done on my son that has been paid in full ( proof of payment attached ). They referred me to a collection agency : Americollect Collections. I disputed the debt within thirty days of getting the collection notice and sent proof of payment to the collection agency. I have received no further written communication from the collection agency. I have called them and they indicate that I still owe the debt per XXXX. 

The bill was paid in full on XXXX/XXXX/2015 and they are still engaged in collection activities as of XXXX/XXXX/2015.
Complaint sub-issue: Application denied

On XX/XX/XXXX I went to BB $ T to open a secured credit card for {$500.00} and at the end my application got denied even though I have a checking account with them I am a victim of fraud from XXXX bank and that is a card that I never opened They are also not helping me and think I used it since someone made the account
Complaint sub-issue: Frequent or repeated calls

I 'm no longer at this desk phone # and now a coworker is receiving the harassing phone calls. I 'm about to loose my job because of them calling constantly. I notified them XXXX times to please remove this phone # from their list to no avail. I had made payment arrangement 's with them but they would not provide me with documentation, my husband said it seemed fishy. We are unable to find them online. We do n't want to make a payment to a false collection agency.
Complaint sub-issue: Old information reappears or never goes away

In addition to wrong information on the report. My credit score dropped after i removed a dept of {$42000.00}. I have had perfect payment on all accounts for the past 7 years. Why would the credit score drop when debt is paid? It should have gone up. 

Another problem is with " XXXX ''. I let the reporting agency into my back account and every time it comes back and says it can not boost my score. There are payment accounts that show up every month on my bank account. This is a service that does not work.
Complaint sub-issue: Reporting company used your report improperly

From " mid-XXXX through XXXX '' Equifax allowed a data breach of customers ' data including my own. Then Equifax XXXX about this fact by not disclosing it to anyone for over a month. Several of their upper level managers sold stock prior to the breach becoming public, possibly with inside information to take advantage of higher prices before the announcement. Once the data breach was revealed Equifax directed customers to the wrong website for help. They also did n't actually inform anyone that their data may have been compromised. They forced me, their customer ( not a customer by choice ) to take time out of my day to contact them and check to see if I was involved with the problem. Even upon doing this they could not say with certainty that I was involved, only that I " may have been impacted ''. Then to protect myself Equifax tried to get me to enroll in a credit monitoring service that would start free but would eventually become a service I would have to pay for. Why would I want to pay them to protect my credit when they could n't protect my data to begin with? What a colossal joke. But no one 's laughing except Equifax because I 'm now forced to continue to take time from my life for years to come to deal with this problem. And I do n't even have the option to NOT be a customer of Equifax anymore. How nice that must be to make lots of money off your customers, make them fix the problems that you cause, and then force them to remain your customer despite this ridiculous business model.
Complaint sub-issue: Problem with personal statement of dispute

My husband and I refinanced our home. We have the same exact debt with the exception of him owing a few XXXX dollars more then me. This is the second time I have had this issue with Equifax. Equifax dropped my score 20 points but only dropped my husband score 5 points for the same exact refinance loan. My husband is a XXXX  male and I'm a XXXX female. Can I have some clarification why, such a drastic difference in the points??? This shows me that this has to be a form of discrimination. Our scores changed on XX/XX/2020 and XX/XX/2020.Please inform me why such a big difference in points?? I work hard at keeping my scores up and I do understand when you make purchases or refinance your score will change but WHY did my score change so much more then his with the same exact refinance? I had this same issue with Equifax before. Our scores with the other bureaus were very close to the same point system but Equifax has some serious issues with people!!!!
Complaint sub-issue: Information belongs to someone else

All of my personal identification have been stolen. Drivers license, social security card, birth certificate. All of my personal information have been changed with XXXX. A seven year fraud alert have been placed on my report. I 've spelled my name as XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX. XXXX is my maiden name. I was once married to XXXX. XXXX XXXX XXXX XXXX XXXX oldest child name is XXXX. XXXX XXXX XXXX XXXX His birthday isXX/XX/XXXX. My youngest child name is XXXX XXXX XXXX XXXX birthday is XX/XX/XXXX. He was born at XXXX XXXX in XXXX XXXX. He have a XXXX XXXX & he 's a XXXX XXXX. XXXX have been taken advantage of because of his XXXX, by the XXXX Family & others. The FBI told me to pull my credit report, because it 's an inside job. A monitoring service have been added to my report, to prevent me from pulling my report. I was also told to pull all of my tax returns. Because my date of birth have been changed, my employers have been changed. Social Security have written me a query with all of the EIN numbers of my former employers from XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX I filed Bankruptcy. The property at XXXX XXXX XXXX XXXX had been refinanced by The XXXX XXXX inXX/XX/XXXX without my knowledge. A series of people was linked to me with U S Bank Mortgage. In XX/XX/XXXX someone reported a fraud XXXX XXXX to IRS. They used The Department of Labor FIN number was used. The property had been turned over to Tennessee Housing Development. The property was sold for {$18000.00}. Yet {$35000.00} was reported to IRS. XXXX XXXX XXXX reported to XXXX I owe for their service. I was no longer in the home. I was forced out of the home. I was n't involved with the selling of the home. XXXX XXXX XXXX and all of her children abused XXXX XXXX XXXX services. My late father social security number is being used. The late XXXX XXXX have been deceased since XXXX. My mother social security number is being used, she has been deceased since XXXX. XXXX XXXX XXXX is my mother 's name. I reported this to XXXX XXXX XXXX years ago. At the time I did n't know my credit report had been tampered with, in the way that it have been.
Complaint sub-issue: Received bad information about your loan

Hello, I submitted my PSLF paperwork to fedloan in XXXX. In XXXX they approved 83 payments. They did not include payments I made from XXXX XXXX XXXX while I was working for the XXXX XXXX for a member of XXXX and that employment was also not listed as an approved employer. I have called FedLoan 3 times but they tell me I need to wait to for the waiver to be applied. But these payments arent part of the new waiver and should have already been counted. I submitted a complaint through studentaid.gov on XX/XX/XXXX. Their website says 15 days and I should hear back but I called at 15 days, 30 days, and again today at 35 days and they still have no information.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I Submitted a claim to the CFPB on XX/XX/XXXX stating that " XXXX XXXX XXXX is reporting that on XX/XX/XXXX & XX/XX/XXXX I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response. " XXXX XXXX XXXX responding saying that I went to XXXX XXXX XXXX to apply for a car loan. This is not true! I would like for XXXX XXXX XXXX to show my signed application on file to confirm that I indeed apply for credit and indeed did authorize an inquiry to my credit file.
Complaint sub-issue: Frequent or repeated calls

Dear Sir or Madam of the Bureau of Consumer Financial Protection, I am requesting assistance in resolving previously disputed accounts with ECMC that have remained unresolved for over two years. I have previously disputed these XXXX accounts to no avail through the CRA dispute process. ECMC continues to confirm and report the wrong date of first default. I have a total of XXXX accounts that were sent to ECMC from the original creditor ( XXXX now XXXX ) on XXXX/XXXX/XXXX. XXXX no longer operates. I have requested ECMC to correct my " date of first default '' to the correct date provided to me by the original creditor ( see attached ). In another attempt to correct the information, I contacted ECMC on XXXX/XXXX/XXXX around XXXX am to request they update all of my credit reports with the correct date of XXXX/XXXX/XXXX. I was told by a CSR that " they do not have the date of first default in their system and they ( ECMC ) are using the date they received the account as the date of first default. I told the CSR for ECMC that the date they are sending is incorrect and provided the correct date and was told they " have no way to verify that '' and it would stay as is regardless of my paperwork. In turn on XXXX/XXXX/XXXX at XXXX PST, I spoke with a customer service representative for original holder ( XXXX ) with an employee ID of XXXX and requested documentation to confirm the date the account first went delinquent. On XXXX/XXXX/XXXX I received written confirmation from XXXX that in fact the date the accounts first went delinquent was XXXX/XXXX/XXXX not the date of XXXX/XXXX/XXXX that ECMC has been reporting since XXXX/XXXX/XXXX. I requested that ECMC remove all XXXX of these accounts from all of my credit reports as they stated they were unable to verify the correct DOFD and stated they " use the day the receive the account as the DOFD '' in credit reporting. 

I ask that the Bureau of Consumer Financial Protection address these FCRA violations. I also request that ECMC remove all XXXX accounts from all credit reporting agencies as they continue to violate FCRA. Attached you will find the written confirmation of the correct DOFD for all XXXX accounts and the XXXX trade lines as they appear on my report. I ask and pray for assistance as this causes stress and harm to me.
Complaint sub-issue: Their investigation did not fix an error on your report

I should have 0 late payments on first premier. 1 is showing from XXXX, but the reason I'm writing is for the XXXX issue for XXXX. I was in the hospital and submitted a claim. I made payments on my account for month of XXXX. For some reason the credit bureaus have not properly updated. I have attached my payments for this account. I was never late. XXXX. 

Also opened a dispute with experian and they investigate in same day and closed investigation? That is not accurate timing of a 30 day. I attached a screenshot as evidence to show this investigation was not done properly.
Complaint sub-issue: Information belongs to someone else

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX FL