Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem accessing account

- PNC bought BBVA Bank- the transition happened XX/XX/XXXX - PNC did not send my mail to the correct address - I have a separate mailing address and home address ( I do not receive mail at my home address ) - I started calling PNC when I got home from vacation on XX/XX/XXXX or XX/XX/XXXX ( I returned on XX/XX/XXXX but was sick with XXXX ) to figure out my accounts. This is when I discovered my account numbers had been changed and my new check card along with my new account number information had been mailed and returned because they had the wrong address. - I ended up at the branch at XXXX XXXX XXXX XXXX XXXX to get my account numbers and a new check card, I don't remember the date at this point. And because I use checks, they printed some of them for me. - I continued to try and set up online banking but was having issues with my password which had me calling into the branch and Customer Service number on their website. - I went on their XXXX page and saw there were a lot of people complaining on their page. I complained and they started messing with me ( screen grabs attached ). - At one point they requested the name on my account, my e-mail and phone number. Very shortly after that I received a call from XXXX ( screen grabs attached ) stating it was their Fraud department and my accounts were frozen. - I just redialed and that is when they got all my information ( I thought I was getting my accounts unfrozen ). - I started receiving e-mails alerts and by the time I got to the branch, there was a {$XXXX XXXX transfer to a XXXX XXXX at XXXX on XX/XX/XXXX and several wire transfers totaling {$XXXX - I received XXXX text messages and XXXX e-mail from XXXX XXXX XXXX about a request to transfer my number to a different carrier - XXXX - they also stole my cell phone number but I was able to get it back. I will include screen grabs of the e-mails/text messages received regarding that situation. - I am including screen grabs from the e-mail alerts.
Complaint sub-issue: Reporting company used your report improperly

After talking to my Credit financiers I discovered that this company National Recovery Agency Or The NRA group is not licensed in Florida and there for is not allowed to practice in Florida yet they have reported a debt of {$1100.00} from Florida to the Credit Bureaus.
Complaint sub-issue: Talked to a third party about my debt

These people have been calling several members of my church, ( not an employer ), asking to verify my social security number and other personal information for " an important business matter. '' They told XXXX church member that they needed my information because they intended to garnish my wages to collect a debt. Again, I receive no wages from my church. This seems like nothing more than a scam. Everyone is rather scared and confused, and I now get embarrassing calls from other people in my congregation trying to understand what is going on.
Complaint sub-issue: Billing dispute for services

Hi, I had tried setting up Auto-pay for our mortgage account ( Loan # XXXX ) back in XX/XX/XXXX with our lender XXXXXXXX XXXX shortly after we came out of our forbearance period. 

Unfortunately, the auto-pay request never fully finalized through their portal, and the lender did not automatically draft XXXX 's mortgage payment. 

Our payment ( XXXX ) were never drafted automatically which I was not aware of, and I am now told XXXXXXXX XXXX reported a 30 day late payment for the month of XXXX to the credit bureau 's without notifying us by phone, e-mail, or mail in advance. The lender sent a notice, but the mailing notice had two addresses listed ( my old address in XXXX XXXX and my current address in XXXX XXXX ), which would not have been properly delivered by USPS. I spoke with a representative from XXXXXXXX XXXX  who also confirmed via telephone that the mailing address on the notice was incorrectly labeled and would not have been delivered properly therefore in which we were not notified our account was past due. I only realized our account was past due when I received XXXX 's statement in the mail and I noticed our balance had a carry over from the month before. 

I would like to officially dispute and reverse the 30 day delinquent reporting for the month of XXXX on this account. We've never been late with making a payment to XXXXXXXX XXXX  since we've owned the property in XXXX, and this is XXXX of XXXX other loans we currently have where we have never been late or missed a payment with any of our lenders. 

Please let me know what we can do to resolve this matter so our credit is not negatively impacted. 

I appreciate your attention to this matter. 

Sincerely, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have contacted all three Credit Bureaus/Agencies ( XXXX, XXXX ) and the Creditors ( DSNB/Macy 's ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Complaint sub-issue: Don't agree with fees charged

I am currently XXXX. American Education Service ( AES ) has sold and defaulted a private loan on XX/XX/XXXX no notice was received. AES is stating they are no longer servicing this loan while reporting a {$38000.00} debt while the account balance on their website indicates a {$0.00} balance. In addition, the loan original balance was {$15000.00} while AES reports the loan about to be approximately {$38000.00}. The {$15000.00} loan was under forbearance XX/XX/XXXX to XX/XX/XXXX. During the forbearance period AES more than doubled the loan amount to approximately {$35000.00} on XX/XX/XXXX. This loan was also approved for deferment from XX/XX/XXXX to XX/XX/XXXX -- this loan was sold off during the deferment period as a charge off delinquent debt on XX/XX/XXXX. In addition, I should have been covered under SCRA protection due to military service XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX/XX/XX/XXXX. I have attempted to contact AES several times with no success.
Complaint sub-issue: Their investigation did not fix an error on your report

My credit report score has fallen almost 200 points and nothing has changed with my credit history. I have complained about a debt collector and the number of times a hard inquiry have been added within the 14 day time frame and each month my credit report falls dramatically. I need to know the reason for this drastic change. Is this retaliatory?
Complaint sub-issue: Account information incorrect

Please update my credit report with the letter from company to fulfill the request for DELETION
Complaint sub-issue: Information belongs to someone else

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX/XXXX   XXXX {$1100.00} XXXX/XXXX XXXX {$4000.00} XXXX  XXXX/XXXX  XXXX {$580.00} XXXX  XXXX/XXXX  XXXX {$2800.00} XXXX XXXX {$1000.00} XXXX  XXXX   XXXX, XXXX, XXXX, XXXX  XXXX {$3600.00} XXXX XXXX {$15000.00}
Complaint sub-issue: Didn't receive enough information to verify debt

I received a letter from XXXX XXXX XXXX stating an attempt to collect a debt of {$230.00} for original creditor XXXX XXXX XXXX XXXX account ending XXXX. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 

I recently lost My XXXX Reference Number I 'm sure you can find out information by just using my name and XXXX account number. 

I have no knowledge of this account. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any written agreement ( s ) between myself and the original creditor stating I agreed to pay alleged debt 3. Consumer address at which original account was opened 4. Date of first delinquency 5. Itemized calculation of alleged debt If XXXX XXXX XXXX is unable to provide the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account deletion from all credit reporting agencies without further discussion of payment in full or partial settlement. 

This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

hard inquires I do not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Contacted your employer

I applied for a loan from Cash For Whatever. I missed 1 payment for the loan due to being effected by the government shut down. They keep calling my job everyday. My employer has threatened to write me up if they do not stop calling my job. I have asked them several times to cease contacting my employer and they continue to call. They have also threatened to sue me once I ask them to stop calling my job.
Complaint sub-issue: Public record information inaccurate

A public record pertaining to a bankruptcy filing is listed on my report. This record is inaccurate Inreached out to the XXXX  XXXX of Georgia and they explained to me they did not verify this information with your agency. It is violating my rights as a consumer.
Complaint sub-issue: Didn't receive advertised or promotional terms

I received marketing correspondence from Mastercard saying they would offer me cellphone insurance once I started paying my bill with their card. I had a claim and submitted it through my primary insurance at XXXX. I submitted the required documentation to Mastercard but they denied my claim saying they needed an itemized repair receipt. XXXX  has the right to repair or replace your phone and XXXX  replaced my phone and billed me for the replacement deductible. I don't have an itemized repair receipt because of this.
Complaint sub-issue: Account status incorrect

When I went to XXXX XXXX I signed a promissory note my freshman year to take out a $ XXXX loan for my tuition. To my knowledge that was the only loan I had once I graduated. After my freshman year I obtain a XXXX XXXX  and received multiple scholarships and became a part of multiple groups like the XXXX Program that gave scholarship money for the the next 3 years that I was there. I also moved off campus my sophomore and junior year. I didn't move back until my senior year. 

Once I graduated I found out that my school took out a loan for me my junior year for about $ XXXX. I knew nothing about this money and I saw no parts of it. I advised the department of education that this was fraud and submitted a fraud claim. They inturn sent me a copy of the promissory note from my freshman year basically saying since I signed that my school had the right to take out loans without my knowledge. That is some bull. 

I pay all my bills and I'm currently paying on the $ XXXX loan I had. I just refuse to pay this until someone can show me where or how this money was applied to my tuition. Any bill that I pay has a breakdown of the charges. That's all I'm asking for is a breakdown. Show me how this was applied to my tuition and I will pay. Noone seems to be able to do that and that is my problem. 

There was no reason for my school to have to take out a loan for me my junior year. I lived off campus so my tuition should have been way lower. If I didn't need any loans my sophomore year I should not have needed any my junior year. I had the same scholarships. Also I moved back on campus my senior year and not showing any loans for then. What since does that make? How would I need loans when I stay off campus but don't need any when I move back on campus. Tuition should be way higher. It makes no sense. Anybody should be able to see that and agree. 

Also last year the department of education took my taxes. I disputed it and started the process for arbitration but then my money came back in the mail and my credit was updated to show this as a closed account. 

Also, about a month ago I was trying to refinance my home when I was denied due to credit. I went and checked it out on XXXX XXXX  and it showed this account as closed but it was still showing a payment history. So I disputed this through XXXX XXXX  and they updated it on XX/XX/21 on XXXX to show correctly now XXXX screen shot attached XXXX but on Equifax they put it on there as an open account now showing all these late payments. It has caused my credit score to drop XXXX points. All credit bureas should be showing the same way TransUnion is.
Complaint sub-issue: Debt was paid

Today I received a phone call from a number listed as " XXXX '' at XXXX XXXX on XXXX/XXXX/XXXX. The caller was from XXXX XXXX XXXX ( FCC Finance , LLC ) and they usually call from XXXX. However today they spoofed their number to show up as " XXXX '' ( XXXX ) on my caller ID. The representative from FCC called and asked me to make a payment with my debit card when I had already made a payment this month. It was taken by them from my bank account on XXXX/XXXX/XXXX. I am absolutely sure that this company spoofed their number. Because this company 's intent was to collect more money " spoofing '' is illegal per the Federal Communications Commission.

https : //www.fcc.gov/consumers/guides/spoofing-and-caller-id I feel insulted and harassed by this company 's practices and I 'm curious if other people have experienced this before as well.
Complaint sub-issue: Account status incorrect

Equifax has continued to report inaccurate information on my credit report. I have two accounts that were discharged in bankruptcy and for the longest Equifax reported the accounts as opened with one account showing a {$57.00} balance and the other account showing a {$350.00} balance. After dispute after dispute equifax finally updated both accounts as " in bankruptcy '' and not " discharge in bankruptcy ''. They also continue to report both accounts as open accounts without showing a XXXX balance. I opened up a dispute on XX/XX/XXXX for equifax to update information or remove accounts from my credit report. I was told that I would have my results by XX/XX/XXXX. I noticed the accounts were still reporting on my credit report with the same information and also still showing in reinvestigation. I called Equifax to check the status and was told that I reopened an investigation on XX/XX/XXXX, so I wouldn't have any results until XX/XX/XXXX. That was a lie I never called or spoke with anyone from Equifax on XX/XX/XXXX. 
I was told that information by XXXX ( XXXX ) Id number XXXX XXXX office/officer of consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

We have a bankruptcy on our credit file. Equifax is showing two different discharge date. We have contacted the US BANKRUPTCY COURT. And received the information needed to show the error. We have spoken with XXXX XXXX the reporting agent for equifax. They now have the correct information. But each time we submit a dispute they say that they have verified the information. 6 disputes. All have the wrong information still. No prof of them contacting XXXX. The docket number on the report they give with the false information. Is not a US BANKRUPTCY docket number. They lie and say they are verified the information. Which is not true. Im trying to close on a mortgage loan and this error is stoping it from being funded. I have spoken with there representatives several times. They refuse to fix the error. We have provided mutable legal documents proving the error. Even contact information for the agent with the US BANKRUPTCY COURT! I need this fixed to get my mortgage loan! They are the only one of three reporting agencies reporting this error. I have my attorney working on this issue. But it takes 90 days to complete. I dont have time for that to happen. This has been in dispute 36 days now!! 6 disputes mutable documents proving the error!
Complaint sub-issue: Debt is not mine

This debt has ALWAYS been in dispute- The dept was for the EXTRA cleaning do to daily use when my son 's apartment was exited. I made SEVERAL attempts to clear and or verify information with the apartment complex, XXXX XXXX XXXX, including filing a complaint XXXX XXXX, but XXXX never provided evidence of their billing. Their billing did not match the exit papers nor the condition of the apartment and to me was clearly fraudulent. I provided all information to Hunter Warfiled and they have removed my credit dispute from XXXX.
Complaint sub-issue: Personal information incorrect

The addresses that are listed do not belong to me and I have never worked for the following employers. 

Addresses : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX 2. XXXX XXXX XXXX XXXX, TN XXXX 3. XXXX XXXX XXXX XXXX, TN XXXX 4. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TN XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX 6. XXXX XXXX XXXX XXXX, TN XXXX 7. XXXX XXXX XXXX XXXX XXXX, TN XXXX Employers : XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Contacted Citi about a charge on my account and they are giving me a complete run around. Already confirmed with the card network issuer ( XXXX ) regarding issue and they confirmed dispute is valid and eligible for a conditional credit which Citi is refusing. Called at least 10 times with no success
Complaint sub-issue: Didn't receive terms that were advertised

On XX/XX/2022, I decided to open a Discover Bank XXXX Account online. Discover Bank was offering a special bonus of {$150.00} if the savings account was opened with {$15000.00} and held for at least 30 days. Near the 45 day mark, I contacted Discover Bank through their online message system. The customer service agent ( XXXX ) notified me that a promo code was not applied to the account to receive the bonus offer. At origination, Discover did not disclose a promo code. A promo code input field was not available during the application process. The savings account was opened using links on Discover Bank 's online offer site. 

Discover Bank Customer Service stated that they can not provide the bonus unless I provide the promo code for the offer that was on their website at origination. Discover Bank 's website for the savings account did not provide any promo code. I opened the account through the links provided by Discover Bank and abided by the terms of the bonus. I would like Discover Bank to credit my account the {$150.00} bonus and provide the adequate XXXX showing the bonus for 2022.
Complaint sub-issue: Frequent or repeated calls

They call multiple times a week and I have not received any written communication from them.
Complaint sub-issue: Don't agree with the fees charged

Most recently, I have begun receiving bills from AES ( again ). They have a pattern of misbilling me for times when my loans should have otherwise been in deferment, such as now, currently at the moment, as I am in school. <P/>
On the two most recent billing statements ( statements which I should not even have ), they first sent me a bill dated XX/XX/XXXX, with a due date of XX/XX/XXXX. Despite the fact that I have repeatedly called them to straighten this out, they continue to bill me erroneous on top of the error of issue these two bills ( so far ) in the first place. <P/>The second bill is dated a month later for XX/XX/XXXX, with a due date of XX/XX/XXXX, which also is incorrect. Among their egregious errors includes the fact that these billing statements also have dates, dating back to XX/XX/XXXX through XX/XX/XXXX, which were also times that I was in school and under deferred as well. <P/>Again, not only should I not be receiving any billing statements at this time, since I am currently in school and have not been out of school longer than even 8-weeks at a time, the times for which they are billing, they reflect past due amounts as well as late charges, and these too need to be corrected, in addition to the fact that these loans are clearly not following along with the Student Loan guidelines of deferring students loans while they are in school. <P/>I am writing you because I am not getting anywhere with them, and time is of the essence, as I do not want to have anything appear on my credit report.
Complaint sub-issue: Debt was paid

This company named Tek Collect Inc, has a put a collection account on my credit report that is not supposed to be there. 

The original creditor was paid in full. The original creditor informed me that Tek Collect Inc, was not supposed to list this account on my credit reports. The original creditor also informed me, that they told Tek Collect Inc to remove this erroneous account off my credit reports. But Tek Collect Inc will not and the account is still showing on my credit reports. 

Tek Collect Inc, has knowingly violated the FCRA, but placing erroneous and fraudulent information on my credit reports. Please make them remove this account. 

Account Name : Tek Collect Inc Account Number : XXXX Thank you for your help
Complaint sub-issue: Transaction was not authorized

Hi my name is XXXX XXXX My checking account number is XXXX My Social security number is XXXX My date of birth is XX/XX/1990 My address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX NV XXXX Almost a month ago my Debit card was stollen and I did not recognize till my online banking notification went off a few times I opened my online banking then i saw was almost {$2000.00} out of my account which was not me, so I called bank and let them know. 
They did not even let me to tell them which transaction or how many they put me out of my online banking. Then the result came after 10 business days and my claim was declined. Today I am writing this letter to you asking for help to get all my money back as soon as possible. 
Thank you.
Complaint sub-issue: Investigation took more than 30 days

I sent my first letter on XXXX XXXX XXXX XXXX  to investigate the following XXXX XXXX XXXX XXXX  Please verify this accountXXXX XXXX XXXX XXXX
Please verify this account. XXXX XXXX XXXX XXXX  Please verify this accountXXXX XXXX XXXX XXXX
Please verify this account. XXXX XXXX XXXX XXXX XXXX  Please verify this account.

I also asked to remove two  inaccurate address reporting on my credit report XXXX XXXX XXXX XXXX IL, XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX I aslo sent another letter on XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

I was notified in XX/XX/XXXX I owed a debt from a personal loan of XXXX dollars. I made payment arrangements to the company of XXXX a month which was XXXX XXXX XXXX a law firm in CA and I was told if I do n't pay this debt I will be sued and taking to jail. I was making these payments and decided to consolidate my debt through XXXX XXXX in XX/XX/XXXX and they were confirmed through XXXX XXXX XXXX XXXX  I owed XXXX and my payment would be XXXX towards the law firm every month. I recently wanted to know my balance as of today with XXXX XXXX which they told me was XXXX left to this company. I call the company direct and they are telling me I owe XXXX dollars still because of interest and fees over the years. All I want is a correct amount to pay and set up payments or pay the XXXX in full and not deal with this anymore.
Complaint sub-issue: Debt resulted from identity theft

Voss and Klein LLC has put a balance of {$550.00} on all XXXX credit bureaus that I do not owe as I am a victim of identity theft.