Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Talked to a third party about my debt

XXXX XXXX XXXX XXXX XXXX XXXX called my ex husband and revealed that she was trying to reach me about a debt collection. I believe this practice is illegal. My private financial information should not be disclosed to others. especially my ex husband. He is the reason I am in debt. I have been in protracted legal battle over a financial settlement, and he is a lawyer. He has used the system to drag this out and forced me in debt in an effort to make me accept a bad settlement. You have not helped by disclosing this to him. Companies should not call other people in an effort to collect debt. By telling him who she worked for she was telling him I am in collections for debt. This type of tactics should be stopped! 
Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

Earlier this week, I submitted a partial payment on my student loan with AES, which was late at the time, in the amount of {$60.00}. Their system pulled the full monthly total of my loan, {$390.00}, from my deposit checking account, which triggered a significant overdraft. As a result of the initial overdraft, three other pending transactions also overdrafted on my account, which will trigger additional fees.

I contacted AES today when I attempted to buy groceries and found my account was in overdraft status. They recommended that I follow up with my own bank, XXXX XXXX, and put a stop payment on the transaction. Unfortunately, the window for that request passed, so the funds went out. 

AES did not know why their system pulled the incorrect amount. They did acknowledge that I inputted the payment amount manually, but they offered little insight into how their payment system failed. 

AES may refund the money, but I am now with a negative balance until my next paycheck, which will now be that much less due to fees and the original overdraft amount. AES acknowledged that any refund could take weeks and would impact my account status. I requested that they file an internal complaint to track the matter in case this was impacting other borrowers. 

This is their system 's fault, I've been harmed financially, and I believe this complaint is justified under the circumstances. Thank you for your time.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the student loan account with the credit bureaus for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal, this requires immediate deletion.. 
US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX, US DEPT ED XXXX , US DEPT ED XXXX , US DEPT ED XXXX
Complaint sub-issue: Called before 8am or after 9pm

I have no outstanding debts owed that I am aware of. Americollect has called numerous times almost daily and has now begun calling me outside of the legal time frame before XXXX and after XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted several disputes over the years with Equifax, XXXX, and XXXX  to get incorrect information off my credit report with no help. There is a misspelling of my name, wrong addresses, phone numbers, and even an account I don't recognize. I need help in getting this resolved.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent several certified letters to get charged-offs and collection accounts deleted due to factual information submitted to the credit reporting agency from my name being incorrect, address incorrect, date of last activity different on all three bureaus, account numbers different and more. They did nothing but sent letters stating that the information was verified. I even sent a method of verification letter and I did not get a response to that from anyone. Therefore, I have no choice but to go this route to see if I can get some type of results.
Complaint sub-issue: Reporting company used your report improperly

I requested a credit limit increase and, without my knowledge, pulled a hard credit check which affected my credit score. Totally unprofessional and illegal. 


Congratulations! We are pleased to approve your request for a higher credit limit on your account. Your new credit limit is {$28000.00} and is already available for your use. 

If you have any further questions about your account, please call us at XXXX or visit Citi Online. 

We value you as a customer and appreciate the opportunity to serve your financial needs. 

Sincerely, XXXX XXXX Please
Complaint sub-issue: Their investigation did not fix an error on your report

I applied for 3 month extension for covid-19 - never knew it was never processed until I got a past due notice in XXXX - Which I paid immediately and when I called Home Depot they said it was never processed completely. Home Depot reported me 3 months past due!!!! 

I've disputed with the credit bureaus and Home Depot and the representative said there wasn't a program in place in XXXX but I was denied for the " program '' in XXXX - so if there's no " program '' what did I sign up for? 

I've called several times to escalate my call to a supervisor and continue to get the run around. 
In my opinion this is a common sense error that could have been rectified with a simple common sense approach - spoke to XXXX executive office said she has to review account could take another 15 days ... 
COVID19 HAS TAKEN EVEN COMMON SENSE FROM PEOPLE!!!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX XXXX, Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX ), Account Number XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX XXXX XXXX XXXX ) have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.
Complaint sub-issue: Account status

the credit has been Closed and Canceled and is no longer agented by or participated in by the current reporting bank and must be removed by law.
Complaint sub-issue: Debt was result of identity theft

CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Complaint sub-issue: Problem with fraud alerts

I got caught up in a scam which caused fraud to prevent me from getting a credit card or opening a bank account.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/20 I made a payment of {$150.00} towards my citi Best Buy credit card. My balance at the time was {$350.00}. After my payment it brought my balance down to {$250.00}. Again I made this payment on XX/XX/20 via ACH transaction from the same bank account that I make all of My recurring payments on time every month. 

On XX/XX/20 I tried to use my credit card for the first time in a month and it said I didnt even enough credit. I called citi credit card services and asked why my payment or funds werent available and they refused to make my funds available.
Complaint sub-issue: Information belongs to someone else

THESE ACCOUNTS LISTED ARE NOT MY ACCOUNTS SOMEONE USE MY SOCIAL SECURITY NUMBER AND MY PHOTO ID THESE ACCOUNTS WAS OPEN UP FRAUDULENTLY I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 I was sent a letter from XXXX  XXXX XXXX advising that my account was paid off due to my auto insurance company XXXX paying the balance of XXXX in full and I owed XXXX. This account is still reporting to my credit report in error and violating the fair credit reporting act The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the XXXX. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The XXXX and Accurate Credit Transactions Act added many provisions to this XXXX primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
Complaint sub-issue: Account status incorrect

I have disputed the late payments on this XXXX/XXXX   XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Complaint sub-issue: Fee problem

There are several inaccuracies regarding the management of my high performance checking account with PNC. After several unethical insufficient funds charges as well as previous CFPB complaints XXXX and XXXX ( a total of XXXX for both complaints that was fraudulently removed from account and never reimbursed ) which were unresolved due to Fraud that occurred on my account and PNC refusing to investigate the fraudulent activities despite me filing a police report and contacting the XXXX regarding the charges, I went into the XXXX branch of PNC to close my checking account on XX/XX/2020 and made a deposit of XXXX to bring the account current and close out my checking account, that I had for 11 years, as well as Money Market account. XXXX closed out the XXXX XXXX account but refused to close out the checking account indicating that he would have to wait until XXXX XXXX  to assure other transactions do not post to the account. Also on XX/XX/2020, I removed overdraft protection from the account in an effort to discontinue the scrupulous business practices that are implemented by PNC. In addition to making multiple phone calls regarding questionable transactions on my account, I also participated in a customer survey in an effort to speak with customer service regarding my dissatisfaction with PNC. I received a call in XXXX from a XXXX XXXX who left a voicemail message, but no direct contact phone number and needless to say, I was never able to reach her or anyone else to address my concerns. One of the concerns is how transactions were processed and I never received a consistent response. The standard response would be it's listed in your documents when you received your account. Well I still have my documents and none of what I was told is listed in there. Since my requeste to close my account, PNC has charged a total of XXXX in isf fees as well as continuous overdraft charges on an account that I requested to close over two months ago
Complaint sub-issue: Trouble with how payments are handled

My student loans serviced through Nelnet were granted a forbearance. On XXXX XXXX, XXXX, I received letters from Nelnet stating that my forbearance would be ending on XXXX XXXX, XXXX and my next payment due date would be XXXX XXXX, XXXX. On XXXX XXXX, XXXX, my personal bank account was debited for the monthly payments. According to the representative I spoke to on XXXX XXXX, XXXX, I should have cancelled my auto debit that had been set up when I first began paying my loans in XXXX. She agreed that my first payment was not due until XXXX/XXXX/XXXX, but said that if I had auto debit it would still attempt to deduct from my bank account prior to XXXX/XXXX/XXXX. During the entire year of my forbearance, it did not auto debit from my bank account and now suddenly it begins debiting before I am expecting a payment to be made. This is an unfair practice and causes confusion and hardship to the borrower. They can not simply debit your bank account when a payment is not due and then leave the borrower to deal with XXXX overdraft charges because they were not expecting a payment to draft ( as was my case ) or worse, the payment does go through but another bill, perhaps a mortgage payment, can not be made.
Complaint sub-issue: Investigation took more than 30 days

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAMEI am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA & # 39 ; s. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Problem with customer service

Good evening, I contacted Sallie Mae XX/XX/2022 to request for a loan modification that Sallie Mae suggested that I take as I had just lost my job. They said they could not help me because I was NOT in a financial hardship yet and to try calling back in a month. As I have been trying to contact Sallie Mae for the last 3 days which are XXXX XXXX, XXXX, XXXX around XXXX each day, I'm getting a recording indicating to call back between normal business hours between XXXX & XXXX XXXX  Eastern standard time. I live in Connecticut and was calling hours before they closed. I need to get in touch with them as every day that goes by my credit report is taking a hit. 
Thank you for your time and attention in this matter.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Ive contacted XXXX & the Creditors as well. Theyre response is to contact one another. XXXX tells me to contact Creditor. Creditor tells me to contact XXXX. 

XXXX XXXX XXXX : XXXX / XXXX CBNA : XXXX / XXXX / XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I didnt not authorize any of these creditors to have access to my account. I did not seek credit with any of them. These inquiriy attempts were made without my knowledge.
Complaint sub-issue: Reporting company used your report improperly

N ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS # XXXX XXXXXXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION : 602 A. STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C 1681 SECTION : 604 A. SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Complaint sub-issue: Information belongs to someone else

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXy Date Filed/Reported : XX/XX/XXXX Reference # : 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: Money was taken from your account on the wrong day or for the wrong amount

On XX/XX/2018, I called my PNC Bank Account, XXXX, followed the prompts, and heard that my balance was {$1.00}. That morning I did not use my Debit Card at all. By mid day, I walked up to the PNC ATM located on XXXX XXXX XXXX  XXXX, XXXX, FL XXXX, Telephone : ( XXXX ) XXXX ; made a {$300.00} cash deposit and the receipt reflected {$300.00} vs. {$300.00}. This is the second time I see money disappear when I look at an ATM Receipt. So, this time around I walked into the Branch and explained to XXXX ( an employee ) everything. She sat behind a computer and after 3 minutes or so, she said, " Oh, this computer is freezing. Let me try another computer. '' She walked into a private office, did not invite me, and after about one minute, I walked into that office, then she said, " They system keeps giving me an error sign. Let me give you a call once I find out why {$1.00} is not in your account. '' She said she'd call me later. Well, later turned out to be one or two DAYS later. I turned on my phone and there was a message. I simply saved it. Then, when I ran into her towards the end of the week, she said the missing fee was a MONTHLY fee. I found that to be extremely ODD because for the LONGEST time, I was NEVER charged a monthly fee because I was depositing OVER {$500.00} dollars. Then, they began to charge me {$5.00} because of some lie. And then XXXX says, " Oh, it was a monthly fee. '' And that's another lie because if it were a fee, there should have been a negative balance. And at the very bottom of the ledger attached ( if you see the figure ) It would have reflected {$1.00} vs. {$0.00}. With all sincerity, I perceive PNC Bank has duplicated 2 additional accounts with my identity, hidden my account again, and allowed illegal activity to take place. And the missing of {$1.00} was a TEST to see that if they wired ex amount of money a few days later, it would go into that duplicated account. That's what I think really occurred and I would like your Department to prevent this crime from occurring again. It's happened at least 2 others times where OVER {$200000.00} gets deposited ; and the idiots wants to make it seem " It's my money. I have access to it. '' And I have ZERO access to it. Then they want to transform my internal body to reflect " Spy. '' And I do NOT qualify to be a spy nor am I ANYONE 's spy. That's another crime in itself. Please have PNC shut down any other account with my identity ( XXXX ) ; and change their codes. I find it to be highly unlawful for my deposits to go into another person 's account who then wants to make it seem we're a team. I'm an independent Citizen with NO spy sister, tribe, and I am LEGAL in our country. So, please end this nonsense. Unmerge my account ; and enforce respect. Thank You, XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

purchased XXXX XXXX XXXX financed thru XXXX XXXX XXXX that was paid off in XX/XX/XXXX and i have the care title in hand and a payoff letter from the bank and they are reporting i still owe XXXX and showing late payments collection and charge off on my credit report and non of the credit reporting agencies will remove this info. I have sent in proof multiple times and the bank will not fix the error or the credit agencies will not fix this error. NOTE if car was not paid in full why do i have the title and a payoff letter stating it was paid in full. this is the 2nd dispute for this same issue with cfpd prior file should have all paperwork. will send again if need be.

Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

Equifax responded to Complaint XXXX & Complaint XXXX stating that the disputed fraudulent inquiries were removed. That was a lie. On XX/XX/22 I received confirmation XXXX through my Equifax.com that the disputed inquiries will remain after only a 10 day investigation and no proof these inquiries belonged to me. This is not in compliance with the Fair Credit Reporting Act.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
DP OF EDUC XXXX Balance : {$13000.00} DP OF EDUC XXXX Balance : {$7100.00} DP OF EDUC XXXX Balance : {$4800.00} DP OF EDUC XXXX Balance : {$22000.00} XXXX XXXX  Date of Inquiry : XX/XX/2020 XXXX Date of Inquiry : XX/XX/2020 XXXX XXXX Date of Inquiry : XX/XX/2020
Complaint sub-issue: Problem accessing account

PNC has made changes that prevent me from linking my account to XXXX. I want to pay my rent this way.