Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT ENHANCED RECOVERY CO L XXXX ENHANCED RECOVERY CO L XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for
consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case XXXX XXXX, in the U.S. District Court for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX XXXX
Complaint sub-issue: Public record information inaccurate

In XX/XX/2022, Lexis Nexis verified inaccurate public information of bankruptcy on my consumer report. Lexis Nexis indicated that their company deleted this information effective XX/XX/2022, followed by stating they would mail a resolution notice verifying their action of deleting this information. On XX/XX/XXXX. 2022 I again requested a copy of this notice for my records informing Lexis Nexis that no notice had ever been mailed. Lexis Nexis agreed to resend the notice and complete a manual dispute of this info with all 3 credit bureaus. To date I have not received any notice of this deletion as requested.
Complaint sub-issue: Problem with customer service

This is a continuation of my complaint : XXXX. 
2 times my request for a recalculation of my IBR has been rejected, both because of my wife 's self-certifcation letter. The first letter we submitted used exactly the same language as a letter that was accepted last time we did this. Both times the letter was rejected, the initial email did not say what was wrong with it. I had to call back for that information. The first time the letter was rejected it was because we did not explicitly state that it was " gross '' monthly pay. They mentioned no other issues. We fixed that, and the second time it was because the letter doesn't explicitly say " XXXX '' -- it only said " XXXX XXXX XXXX XXXX. '' Both times we have responded very promptly with amended letters. Our last amended letter was submitted on XX/XX/XXXX. Your website now tells me I shouldn't expect another response from XXXX  until XX/XX/XXXX. I called last week to see if this could be expedited under the circumstances. They couldn't tell me if it was going to be expedited - given that I haven't heard anything, I have to assume that this very reasonable request has fallen on deaf ears.
Complaint sub-issue: Information is incorrect

Your records show my license was suspended and it was not. Also showed an old license number and not my current one. I was denied a job by XXXX and XXXX XXXX because of this error. My license is and was valid
Complaint sub-issue: Talked to a third-party about your debt

Citi Bank contacted a relative of mine and told them that I owed exact amount of money and that I should pay it before XXXX or else the amount will greatly increase
Complaint sub-issue: Information belongs to someone else

Hello I have several inquiries from equifax that dnt belongs to me
Complaint sub-issue: Didn't receive enough information to verify debt

I had an account with XXXX XXXX. I switched to a much cheaper company in XX/XX/XXXX. I was set up on auto pay with a credit card and always paid my account on time every month. I paid a portion of my final bill while I waited to get my final bill to know what was owed. After a few weeks I went to the website and it showed a XXXX balance. I checked back a couple of times showing the same balance. When I called them I was told there was a XXXX balance so I didn't worry about it any more. Then a few months later I received a notice from a credit monitoring service that I had a collection account. I called XXXX again and they assured me I had a XXXX balance. I then was able to track down ProCollect who said I owed {$300.00}. I called them on XX/XX/XXXX, and they told me that if I paid it that day they would remove the collection from the credit bureau. I paid immediately. Not only did I pay it on XX/XX/XXXX, they didn't report it to XXXX until XX/XX/XXXX, almost 6 weeks later. My main complaint is I was told they would remove the collection from the credit reporting bureaus and they did not! They just reported it as paid. 

My credit history shows a perfect history of paying on times for years. XXXX told me and it was shown on my online account as paid so I could not make any kind of a payment. I never received any notification of a collection until I received a notice from my credit monitoring service. 

I paid ProCollect on the very first phone conversation and paid an amount that wasn't verified other than what they told me it was mostly because I thought it was close and they said they would remove the report from the credit bureaus. 

They should have to do what they say. They have a recording of our conversation.
Complaint sub-issue: Didn't receive enough information to verify debt

Autovest LLC is bought debt from another company and is pursuing a lawsuit. The company committed an fraudulent act and pulled my credit report under false pretense per 15 U.S.C. 1681q to obtain my current information and address. I did not authorize them permission and was unaware of the inquiry. They do not have permission to have my personal information. Their printouts are photoshopped and robosigned and i don't recall anything that they are alleging.
Complaint sub-issue: Their investigation did not fix an error on your report

These accounts are on my credit and I fill that’s they should be removed I don’t recall all the things on my credit it’s about 50 thousand dollars of things on my credit that should be removed it’s holding me up on purchasing me a house also the things on my credit is ver old and should be removed so I can move on with my life
Complaint sub-issue: Threatened to take legal action

Because i missed a payment by one day, and did not return a phone call the same day the next day I recived a voice mail stating that becuase I did not return the call they were forced to take further action, when I called to discuss the acct they stated becuase I did not return their call they will be taking my account to litigation. I felt harrased and bullied when I have been coraperative and initiating contact with them.
Complaint sub-issue: No notice of investigation status/result

The never responded to my request to remove the fraudulent account from my report. I sent them a letter detailing my issue on  XX/XX/2017   , yet they have still not responded
Complaint sub-issue: Their investigation did not fix an error on your report

account number # XXXX XXXX  attached is what XXXX and equifax is reporting ... if they both get their source from XXXX  then why are they inaccuracies on the report .... 
DATE LAST ACTIVE XXXX XX/XX/XXXX WHILE EQUIFAX XXXX BALANCE XXXX {$7400.00}, WHILE EQUIFAX XXXX 
LAST PAYMENT XXXX XX/XX/XXXX, WHILE EQUIFAX XX/XX/XXXX .... INACCURATE REPORTING IS A VIOLATION ACCORDING TO FCRA RULES!! YOU MUST DELETE NOW!!
Complaint sub-issue: Information belongs to someone else

The Equifax and XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( XXXX XXXX XXXX XXXX )
Complaint sub-issue: Their investigation did not fix an error on your report

Yes I have tried disputing this with Equifax, XXXX, and XXXX  for years. I have never opened an apartment in the name XXXX XXXX. I was never old enough to have an apartment in my maiden name. I didn't move out til I was married and my name on my first home was XXXX XXXX. I haven't lived in XXXX XXXX XXXX. Look at my past addresses on my report!! I have no clue what this is. I have really started trying to fix my credit. I have absolutely no other collections. I am usually not late on anything. It's the only collection that I have had. Because it isn't mine! I have certified mailed multiple letters to the credit bureaus asking for them to investigate. All that they do is send me a statement saying it was verified and I owe the money. It is my legal right to request the documents that they used to verify this debt. I have NOT gotten anything from the bureaus or from the collection company verifying this debt. I have never seen my signature on anything. I have begged and begged these companies to fix this. And they just keep coming back as verified. Without sending me proof! All that they do is send me a letter saying it's verified. And they are also reporting different information. I printed out all 3 credit reports and I circled where each bureau is reporting different information. And they still are reporting different information. This collection company keeps changing the amount of money owed too! They will report that I paid {$13.00} and then the next month add on {$13.00} and the next month say I paid {$13.00} and it goes back and forth because the collection agency knows what they are doing! I never paid anything because I do not owe them anything i do not know this apartment or the company! They are trying to keep saying i paid/owe more money each month so that my credit score can fluctuate. And the credit bureaus allow this! I will attach the letters that i have sent to the bureaus regarding this same issue over the last year. One bureau ( XXXX ) says that this collection is closed. And my credit report says i have 0 collections. But then XXXX  and Equifax has these accounts opened and are reporting either that I paid or owe more money each month. If I am allegedly paying {$13.00} one month and then owing {$13.00} the next month with equifax then how come the same isn't being reported to XXXX ( because they closed the collection on that credit report ) and XXXX doesn't report this back and forth {$13.00} charge. The bureaus even have different charge off dates for this account. I thought legally, per the FCRA, that they all had to report the same exact information to legally put it on my credit report. And if they don't then they have to legally delete this from my report? Why are laws not being followed? I sited many of these in the letters that I sent to them. I have attached the two letters I sent requesting documents and stating laws they have to follow. I have also attached the receipts where they have received these letters.
Complaint sub-issue: Report provided to employer without your written authorization

I have filed two complaints against U.S. BANK with regards to the Violation of the Fair Credit Reporting Act. 

They are avoiding my complaint which was solely and completely about the fact that they violated my privacy by divulging my personal information to my daughter XXXX. My daughter is NOT on a co-signer on any of my business or personal accounts and does NOT have the right to know my personal information. 

I am filing a 3rd complaint, to get XXXX XXXX, on behalf of U.S. BANK, to respond to this Violation of the Fair Credit Reporting Act. 

In XXXX letter to me, he states, In regard to your concern, please know U.S. Bank places your privacy and the security of your information as a top priority. However, they breached my confidentiality and wont even address my complaint with the CFPB. 

On XXXX at approx. XXXX XXXX CST XXXX, in 24 hour banking, told my daughter, XXXX, that " YOUR MOM IS {$21000.00} PAST DUE ON HER BILLS ''. 

XXXX VIOLATED MY PRIVACY RIGHTS This has put a great deal of stress on our relationship and embarrassed me, in front of my daughter. This made my daughter see my differently and caused us both XXXX, XXXX and a great deal of unwarranted STRESS. 

I spoke to XXXX, the supervisor at US BANK, letting him know that I wanted to speak with their legal department about this breach of information. He filed a formal complaint for me. 

XXXX told me that " XXXX '' was XXXX 'S Supervisor. They let me know that the conversation WAS RECORDED and action would be taken to review the tape and discipline XXXX. I asked to have the legal department get in touch with me, to settle this matter. 

I have retained an attorney to handle this issue, but would like a reply to the Violation of the Fair Credit Reporting Act by U.S. BANK. 

Thank you.
Complaint sub-issue: Information belongs to someone else

I reached out to the auto loan lender and requested the late payment dated back in 2017 of XXXX be removed and I haven't received a response.
Complaint sub-issue: Their investigation did not fix an error on your report

Someone took out 2 student loans in my ( former ) name on XX/XX/2019 through XXXX Department of Education. I reported it to all 3 credit bureaus, FTC.gov and XXXX and sent in the requested documentation to XXXX. Equifax informed me today that they are not resolving my disputes and it will not be removed from my credit report, as XXXX states I took out the loans. I havent used the last name XXXX in 15 years, I am not in school, nor do I have any need for student loans, the address on the account is in TX and I have never lived in TX, and the phone number on the account is a SC number and I have never lived in SC. My XXXX score dropped over 20 points just since last month over this and I want it resolved.
Complaint sub-issue: Problem making or receiving payments

I initiated two on-line ACH transfers in the amount of {$7000.00} each with my Citibank Checking account. There were two ACH transfers in the amount of {$7000.00} on XXXX XXXX, and {$7000.00} on XXXX XXXX from my XXXX XXXX account to my Citibank checking account. However only {$7000.00} ACH electronic deposit showed up in my Citibank checking account. 

For more details, please refer to the bank statements from XXXX XXXX and Citibank. From the XXXX XXXX monthly statement, there was a debit of {$7000.00} on XX/XX/XXXX, and another debit of {$7000.00} on XX/XX/XXXX to Citibank. However the Citibank monthly statement only reflects {$7000.00} on XX/XX/XXXX. So I am missing {$7000.00} with my ACH electronic transfer. I have since contacted and escalated numerous times to both Citibank and XXXX XXXX about the ACH electronic transfer problem, but this problem has not been resolved. 

I appreciate if you could kindly resolve this ACH electronic transfer problem between Citibank and XXXX XXXX.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax  data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Account information incorrect

XXXX XXXX was done on XX/XX/2020 at the dealership. 

Recently I looked at a copy of my credit report and noticed an incorrect account. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate this item for me to ensure accuracy. 

Here is the item I am asking you to verify as reporting accurately : XXXX. XXXX XXXX XXXX XXXX After your investigation is complete, please send me the results via mail. 

Thank you in advance.
Complaint sub-issue: Fee problem

The bank keeps charging me fees of {$30.00} a month despite me continually telling them that I want a basic and not a premium checking account. This has been going on for two years.
Complaint sub-issue: Information belongs to someone else

FCRA violations : inquires not mine XXXX  XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX EQUIFAX MORTGAGE SERVICE XXXX on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my names XXXX XXXX FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX Resident type Apartment complex XXXX XXXX XXXX XXXXXXXX, MS XXXX XXXX XXXX XXXX XXXX, OH XXXX Resident type Single family XXXX XXXX XXXX # XXXX XXXX, MS XXXX Resident type Single XXXX XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, MS XXXX FCRA violations : payments never late XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Open. 

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$170.00} Status Account charged off.
Complaint sub-issue: Overdrafts and overdraft fees

I wrote a letter intended to Citibanks Billing Dispute Unit Offices. I used my citibank debit card which is also connected to my XXXX account. I use this card to pay for various beauty services. I scheduled an appointment with the merchant XXXX in hopes of doing my hair. However i was gimmicked out of XXXX which was half of my service and served as my deposit fee for the intended services. I opened a dispute on the following transaction by XXXX on XX/XX/2021 for XXXX XXXX It was closed and has resulted in an overdraft in my account. I will be attaching conversations of the merchant and I. He did not show up to allocated location. He also moved the time around multiple times. I was promised my deposit back as follows in the attachments. I requested the case be reopened. I was advised by a Citibank representative to do so. My account was overdraft as a result of the charge, which I hope will be fixed without any respecting fees. The case ID for this dispute is XXXX. I sent over documentation for the dispute on XXXX XXXX. I have repeatedly called numerous Citibank representatives and Citibank dispute representatives. No one has gotten back to me on the matter. The fraudulent charge is still placed on my account. The inconvenience has placed me in the predicament of paying for a fraudulent service twice.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters out certified over 60 days ago and have not be notified as a consumer I feel like these people are taking advantage of normal people
Complaint sub-issue: Problem with fees

I'm mainly writing this to serve as a warning for others, as based on several calls with the bank they are not willing to do anything about it. I would like to preface this by saying that I have been a customer of PNC Bank for 10+ years and have had zero issues up until this point, so I was surprised with how this situation was handled. 

On XX/XX/2020 I made a deposit for {$100.00} to XXXX as a new user to take advantage of one of their promotions. There was nothing when I was entering my payment info on the website to make me feel as though this would be treated any differently from the hundreds of prior transactions I've made with a credit card in the past. 

On XX/XX/2020 I was hit with a {$10.00} " Finance Charge '' and on XX/XX/2020 I was hit with at {$1.00} " Minimum Interest Charge ''. On my next statement but also on XX/XX/2020 I was credited {$1.00} and {$0.00} in two separate transactions. I didn't notice any of this activity until after I paid the statement balance. When I viewed my FICO score, it had dropped around 20 points. 

Apparently what happened was the {$100.00} had been processed as a " Cash Advance '', triggering the fees. My fiance made the same transaction on her new account on the same day for the same amount, using a XXXX card. Her transaction processed as a normal credit card transaction, so no fees. Her mother made the same transaction on her new account on the same day for the same amount, using a MasterCard. Her transaction was also processed as a cash advance, but a quick call to customer service waived the fees. 

I called the PNC Bank credit card customer service and spoke to a manager. They declined to refund the fees because the " transaction was valid ''. It was processed as a cash advance because of some properties of the transaction that aren't visible to me but are handled by the merchant/VISA. 

A " Cash Advance '' is a distinct financial service that I did not request but that I unwittingly got, along with the fees and a hit to my FICO score. Also, it's strange that different financial institutions handle the transactions and customer service differently, despite the same information from the merchant.