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

On XX/XX/2022 a withdrawal in the amount of {$2500.00} was deducted from my PNC Savings account. The incident happened with the drive-thru teller. The money was disbursed without verifying or confirming if the person was the account holder. Then on XX/XX/2022 and on XX/XX/2022 XXXX more withdrawals were made from my PNC Savings account for {$1000.00} on each of the above mentioned dates which totaled {$2000.00}. Again it was done with the drive thru teller and once again no verification was performed. I found out about these XXXX withdrawals from my savings on XX/XX/2022. I informed PNC and they initiated a dispute in which I needed to sign XXXX affidavits for these incidents. These affidavits were submitted on XX/XX/2022. A week later my account was reimbursed for {$4500.00}. 

Then on XX/XX/2022 a check from XXXX under my daughters name was provided to the teller to be cashed for {$800.00} and the money once again was provided without verification. Another dispute was submitted with another affidavit and upon further investigation PNC determined that the check wasn't valid and was fraudulently done with my daughters information. Upon review of surveillance the vehicle was a XXXX truck and did not fit the descriptions of our vehicles. Upon PNC confirming it was not me or my daughter, once again I was reimbursed for the {$800.00} a week later and the dispute was closed. 

Additionally, on XX/XX/2022 a check from XXXX Bank was provided to the teller to be cashed for {$2000.00}. Once again, for the XXXX time, the transaction was not verified and {$2000.00} was provided without verification. Another dispute was submitted with another affidavit done by PNC bank, and as of today Friday XX/XX/2022 I have not received my reimbursement of {$2000.00}. 

I am requesting for these incidents to be documented with the FTC and Federal Reserve simply because they are not keeping my accounts safe. I have been a loyal customer for 40 years when the bank XXXX XXXX texas XXXX bank, then merged with XXXX compass, and then with PNC. I am extremely upset with the lack of security PNC has shown for me. How is it possible that they didn't learn their lesson from the first oversight that happened on XX/XX/XXXX? They refused to keep my money safe XXXX times and allowed these withdrawals totaling over {$7000.00} within a matter of 3 four months. This is unacceptable, and I will not be a victim once again because of their laziness and refusal to take care of a loyal customer. I want answers and results regarding their careless behavior and I want my {$2000.00} back in my account as soon as possible.
Complaint sub-issue: Threatened or suggested your credit would be damaged

XX/XX/18 I contacted Hunter Warfield acct # XXXX XXXX XXXX they advised my account is being handled by an Atty office XXXX XXXX XXXX XXXX XXXX, XXXX that which I contacted advised that I'm a XXXX veteran and they advised the account is in pre-litigation I advised I would like to settle the account for {$1000.00} they told me to send over a financial analysis of my debt to income ratio which I did and haven't heard a response back. This kind of tactic of threatening to take me to court due to I had to move out of the apt due to I was injured on XXXX XXXX I incurred a XXXX injury along with XXXX side XXXX and they were aware of this and still continued to access me charges to my account and they also knew that my status was under Servicemens Civil Relief Act and didn't make the necessary changes to the account. This has continued to cause me and my family mental aguish and has affected mine and my spouse XXXX XXXX credit horribly. There scare tactics and not looking into someone's status especially dealing with health issues and charging unethical fees of adding on military discount fees back to our lease because we had to move out and not honoring the SCRA status of terminating my lease. Your attention and assistance to close this matter once and for all. 

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

The accounts and inquires listed on my credit report I did not do.
Complaint sub-issue: Reporting company used your report improperly

I was disputing inaccurate information on my credit report with Equifax. And some how my disputed information was shared unlawful with other companies of dispute. For example I was disputing a company here in South Carolina name : XXXX XXXX and Equifax mailed them my research request from with other disputes with different companies that was being disputed as well. That very unlawful for Equifax to share my other disputes with sunset finance as well as other information. I have proof letter from sunset finance mailed to me with everything Equifax mailed to them in which XXXX XXXX mailed to me. XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX am a victim of identity theft. There are fraudulent accounts on my credit profile that need to be removed immediately. 


Collection : XXXX XXXX XXXX INQUIRES : XXXX  XXXX XXXX  XXXX  XXXX XXXX
Complaint sub-issue: Seized or attempted to seize your property

I am a consumer and home owner. I've been receiving letters everyday ( except the weekend ) since XX/XX/2022 from several different attorneys, debt collectors, home foreclosure advertisements stating that my home is in the process of being foreclosed by XXXX. Because I haven't received any prior information or knowledge of this taking place, this is a violation of the FDCPA in so many ways : 1. I wasn't given any options or a way to settle the alleged debt ( that was never verified that I owed ) that was claimed I owed. 2. Without prior knowledge that a foreclosure was in the works, XXXX has taken matters into their own hands and moved towards the process to foreclose my home and have it listed in auction. 3. They falsified documents to make it look like I owed a third party lender ( which whom I never signed a contract with to even state or agreed I owed ) and never paid. 4. They've shared my private information to these sellers, credit bureaus and agencies, and legal advocates which I did not give my consent for. 5. Coercion - I was told that if I didn't pay the house in full within six months from the date I was given the notice of my home being foreclosed, that I would lose my home unless I pay a fee to claim and file bankruptcy. XXXX. Defamation of character. Right now I'm facing foreclosure even though my home has been paid.
Complaint sub-issue: Account status

EQUIFAX will not take off the paid in full account by the name of XXXX XXXX XXXX in the report dated XX/XX/XXXX. Collection XXXX reports twice a month, and they refuse to remove the paid collection! This is unacceptable and violates FCRA laws! I reported these discrepancy XX/XX/XXXX. EQUIFAX continues to create damages to my credit integrity that leaves incorrect information and paid accounts on my report instead of taking it off my report XX/XX/XXXX and having my credit scores raised for the months of XXXX and XX/XX/XXXX. I demand that my credit scores are to be enhanced and rescored from the time the collection accounts were erroneous and incorrect information from the dates of XX/XX/XXXX with XXXX ( acct # XXXX ) to be reached at XXXX and XXXX XXXX XXXX XXXX XXXX ( acct # XXXX ) to be reached at XXXX. XXXX XXXX XXXX told me they have reported this account paid in full " twice '' in the month of XX/XX/XXXX and EQUIFAX wo n't remove it off my credit profile so my credit scores will be raised higher for both the months of XXXX and XX/XX/XXXX. Moving forward I have substantial documentation for each creditor to validate my claim to no lates on auto loan and the XXXX XXXX library fines are paid in full at the beginning of XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

This is not my account. Please provide method of verification and original instrument of indebtedness. The binding agreement for the account.
Complaint sub-issue: Debt resulted from identity theft

I was a victim of identity theft and noticed a collection from JEFFERSON CAPITAL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against JEFFERSON CAPITAL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax Credit Reporting XXXX repeatedly MISREPORTED my Student LOAN FROM XXXX THE LOAN IS IN FORBEARANCE, while another payment plan is being put in place so I get credit for NON Missed payments ... I have NEVER missed a payment on my student loan. IF the balance went up it is beacuse of the FEDERAL GOVERNMENT not me. I want to report EQUIFAX to the FEDERAL TRADE COMMISSION. This is the 3rd time they made negative commets on my XXXX XXXX report causing my credit to fall.This time it is 38 points. They are responsible for me not being able to get a better rent due to this score and I want them to be SUED for false reporting.Sued for destroying my life when I work hard to pay all my payments on time. I also must add that my credit balances have dropped consistently and EQUIFAX should be improving my score not lowering it. THIS IS WHAT EQUIFAX WROTE ON MY CREDIT REPOT ON XXXX XXXX 'XXXX DEPT OF EDXXXX Balance Increased by {$14.00} It looks like your student loan balance went up. This could be due to a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 
Between XX/XX/2019 and XX/XX/2019, your DEPT OF ED/XXXX student loan account balance increased by {$14.00} from {$20000.00} to {$20000.00} '' .Please advise me as to what Government Agency could I report the dealings of EQUIFAX to. I have proof that they had no business saying I missed a payment to my Student Loan
Complaint sub-issue: Their investigation did not fix an error on your report

I open up a fraud investigation on a credit card account discover financial service and its has a high balance of XXXX and I didnt apply for this card and it was open on XXXX with a credit limit of XXXX and never applied and I send XXXX  and XXXX documents to have this account to be removed and it was put back on my credit report on XXXX and I called XXXX  yesterday on XXXX to have the credit block in place and they refused to do so and protect me from fraud and I have a membership with XXXX and XXXX never explain that the company has a claim dept for customers who had fraud charges I have a membership with XXXX and they refuse to remove that account off my credit report and its hurts my score and it went down to XXXX and Im so worried about my current credit cards and they will be closed due to low credit score ... .XXXX told me I need to contact discover to have this fruad account removed and I contacted discover too many times and at first they said I wasnt held liable for this account and few weeks later they said I cancel the fraud claim and I never made a request to cancel my fraud claim discover credit card resume it and they are taking too long to resolve it its been over a year ... XXXX and XXXX removed this account off my credit report XXXX refused to do so
Complaint sub-issue: Debt is not yours

I was trying to lease an apartment from a place called XXXX I had the lease to sign and had put down a {$150.00} deposit. XXXX canceled the lease due to the resident not moving. Per the lease the {$150.00} deposit was refundable I requested it back via the payment method my card. They stated they could not refund via card and they would mail me a check. As I needed the money ASAP for a new apartment deposit I request it be over night mailed. XXXX stated the check would take XXXX weeks. The lease was canceled on XX/XX/XXXX they did not send out a check so on XX/XX/XXXX I disputed the transaction with my bank for the deposit charges. The bank took over the issues and resolved it in my favor returning the money. I never heard back from XXXX or got a check sent to me from them. I got a account in collections on my XXXX report from a XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX I disputed that with XXXX they came back with no resolution. I called and explained the situation and they stated CFPB would be the next step to get the derogatory mark off my credit. I have not owed XXXX nor do I owe them anything as it was a deposit for a unit I never signed a lease for or moved into. They owed me money and did not return it so I got my bank to get it squared away. I want the mark taken off my credit and for them to show that I am in good standing
Complaint sub-issue: Didn't receive services that were advertised

On X/X/2017 I read in the news that a data breach had occurred at Equifax.
I visited equifax 's Internet page at www.equifax.com, which directed me to equifaxsecurity2017.com where they provided information on the data breach and buttons for determining my potential impact,  enroll in their services or contacting them I clicked on the button for determining the potential impact and much to my surprise what I received is my " enrollment date '' for their XXXX XXXX service, with no information whatsoever on potential impact This feels wrong on at least 2 accounts : 1 ) I believe it is a deceptive trade practice advertising a service to check the impact of their failure to protect my data, and then not giving any information regarding this impact. 
2 ) I did not ask to be enrolled in anything. I should give my consent to enroll before getting an enrollment date. This also seems like a deceptive trade practice
Complaint sub-issue: Account status incorrect

XXXX   XXXX   XXXX  reported my account delinquent for more than 30 days. I have proof this is not true and I have made payment according with  XXXX   XXXX   XXXX  Account Agreement ( middle section ) They said my account was delinquent on  XXXX , I have provided statements from  XXXX  through  XXXX  explaining payments made and when my Credit Counseling Program started. According with  XXXX   XXXX   XXXX   XXXX  they sent my first payment on  XXXX   XXXX , paying a partial amount of the past due balance for  XXXX  and the rest was sent on  XXXX   XXXX , covering Past Due Balances.  XXXX  Payment was made also by my  Credit Counseling Program a nd sent on  XXXX   XXXX      Note : Credit Counseling Program made all my payments on the  XXXX  of each month,  XXXX   XXXX   XXXX  did n't process this payments after around 6 days later while other banks receive same payment that same day or the day after. Meaning I was never late and I made my payments within 30 days of billing cycle.     Also, I want you to take under consideration I sent my  XXXX  payment on  XXXX   XXXX  and I paid  XXXX  on  XXXX  before the billing cycle had closed. Resulting on, for  XXXX   XXXX   XXXX  NOT applying that payment to  XXXX  and delaying my future billing payments and accessing higher amounts to pay out next billing cycles.
Complaint sub-issue: Need information about my balance/terms

I attended XXXX in XXXX Texas for the lvn program in which I began in XX/XX/2016. We were convinced to take out a private loan in which they breach their contract by shutting their doors with no notice in XX/XX/2016. I strongly believe I should not be held liable for paying the private loan in which I was not able to complete the course. I decided to to continue the teach out plan and will decide to enroll at a community college in three near future. If possible get the money I already paid to the private loan. When we contact the lender they have no option for us for forgiveness instead insist we will still owe as they already paid their funds to the college. I feel this is no fault to myself and wish for this to be clear
Complaint sub-issue: Can't temporarily delay making payments

I've continually had issues with American Education Services who services my private student loan through XXXX Bank. The interest rates are criminal, I've already paid most of the loan back but still owe the entire principal amount. I've been making more than 7 years of payments with little to no progress. I've attempted to get my payment reduced, but because my grandmother cosigned on my loans almost 15 years ago, I can not do anything without my grandmother 's signature. My grandmother is now XXXX, with XXXX, living as a XXXX of the XXXX with no income other than XXXX XXXX and due to my poor credit score, which is likely because of my student loans/debt-to-income ratio, I am not able to apply to have her removed. More recently, I've been a victim of identity theft and had to have my bank account shut down to get new accounts, cards, etc. Because of this, my bank issued a stop payment for my student loan payment with AES. Once I found out, I immediately reapplied the payment, but they charged me a late fee. I petitioned to get the late fee removed, as I have an amazing payment history with them, and explained to them why it was late. I was notified yesterday they denied the request to waive my late fee. To say Im disappointed would be an enormous understatement. The interest on these private loans are astronomical and theyve decided that due to a stop payment issued by my bank due to identity fraud, they need an extra couple bucks. A huge corporation, in addition to my fees and interest, needs to make a continual profit off of a new mom, working hard just to pay back the education I do not use with insanely predatory interest rates. This is criminal.
Complaint sub-issue: Information belongs to someone else

CAC FINANIAL CORP ( opened XXXX. XXXX, 2020 ) did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Complaint sub-issue: Frequent or repeated calls

On XXXX XXXX a validation letter was mailed to L J Ross Associates In. This company/organization has failed to provide the following : What is the dollar amount owed? 
Explain and calculate the amount owed : Provide me with copies of any papers that show that I agreed to pay the amount you are stating is owed : Provide a verification or copy of any judgement if applicable : Identify the original creditor : Prove the Statute of Limitations has not yet expired on this account : Provide me with the license that you are allowed to collect within my state : Provide me with your license numbers and Registered Agent or Agent of Service/s : Instead the company continuously calls my cellular telephone number as well as reported the collections onto my account both on XX/XX/2021 and XXXX XXXX.
Complaint sub-issue: Information is not mine

The agency needs to remove incorrect bankruptcy information from my credit file. I have disputed but it still has not been removed.
Complaint sub-issue: Problem with personal statement of dispute

i reach out to XXXX and ask them about a dispute that they had investigate and the said the account was verity and i ask them to provide me with the method of verification under the FCRA sec 611 ( a ) and 7 Texas Attorney General
Complaint sub-issue: Information belongs to someone else

Hello, my name is XXXX XXXX XXXX XXXX XXXX. I have been advised by the credit bureau to submit a police report regarding my identity being used to open up accounts with my personal information. My twin brother XXXX XXXX XXXX XXXX XXXX has the same date of birth and our social security numbers are different by one digit. Multiple delinquent accounts have been placed on my credit report. I have tried to dispute the accounts multiple times. We have lived at different addresses for at least 5 years. He has also claimed these accounts are his, but they continue to appear on my report. Please let me know if there is any additional information I can provide or if I need to explore other options regarding this matter. I have a ton of accounts that do not belong to me I have sent my full report Thank you.
Complaint sub-issue: Account information incorrect

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I had some issues with myincome being effected by the COVID-19 PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I can protect the integrity of my credit file. XXXX XXXX # XXXX late payment reported on XXXX, XXXX XXXX XXXX XXXX XXXX late payment reported on XXXX, late payment reported on XXXX XXXX XXXX XXXX - TOTAL VISA XXXX XXXX XXXX account is reporting a 30 late-payment after I requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process
Complaint sub-issue: Information belongs to someone else

id theft victim XXXX XXXX collection XXXX not mine Us bankruptcy Not mine XXXX never late due to covid XXXX XXXX  Never late due to covid XXXX  XXXX XXXX   never late
Complaint sub-issue: Debt is not yours

I was a XXXX customer for about five ( 5 ) years and I always have device protection insurance. In 2018, I upgraded two ( 2 ) devices on my account through promotion. A couple weeks after the upgrade, I accidentally dropped my phone. I went back to XXXX the retail store to get my phone screen replace only to find out that my deductible has increased from {$100.00} to {$150.00}. I asked the agent why I was not informed about that increase and his answer was that the person who served me was novice. I wanted to pay off the damage phone and return the other phone so I can close my account. Also to find out that through that promotion I just signed a new two ( 2 ) agreement with them. Again, I waas not informed. I don't think as an existing customer, with five ( 5 ) device on my account, my agreement should change when I upgrade two ( 2 ) phone. At least, someboby in the store should have told me. I was not happy with the way they were handling the situation so left all the devices on the counter with them. I got couple bills from XXXX and called the customer service and explained everything to them. I was told that they will look into the situation to call me back but never did. Only time I got called is to take of the bill. Now, many years later I am being reported to a collection bureau.
Complaint sub-issue: Their investigation did not fix an error on your report

I started monitoring my credit a couple of months ago. I noticed some inconsistencies that I addressed with the bureaus, and after their investigation everything was stated to be reported accurate anyway. I submitted the inaccuracies with visual proof, which was ignored. The notice of dispute was not updated to show that an investigation was done, for 2 different reporting cycles now ( XXXX + XXXX ). As well as the years that they are reporting are completely different. My visual proof for that was also ignored and stated to accurate or verified. I received a letter this morning saying that they are simply not going to investigate it again, when it may have never been done. Not to mention they are still reporting inaccurate information after Ive drawn out the errors to easily see. Please help me.