Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Overdrafts and overdraft fees

PNC Bank is able to do lots of things for customers in real time. I can make a cash deposit or withdrawal and my account balance changes instantly. I can transfer funds and the account balances are updated instantly. Oddly, the one thing the bank can not do is to notify customers when accounts are overdrawn. Now why is this? Could it be because fees account for half of PNC 's income? The bank pays items on one day, sees that an account is overdrawn and waits until shortly after XXXX to notify a customer the account is overdrawn. They'll call this overnight processing. Somehow, they can notify me in real time during overnight processing. PNC and other banks used to do to re-order items to pay from largest to smallest, knowing that by doing this instead of paying chronologically, they could assess more fees. Fortunately CFPB took this of this practice and I am describing one more area where I hope you will work on behalf of consumers.
Complaint sub-issue: Account status incorrect

My credit application was recently denied, and according to the online credit report that I received less than days ago from the agency denied credit to me, your credit bureau issued the report that was used to determine my credit evaluation. 

Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off of my Credit report According to the provisions of the Fair Credit Reporting Act 609 A1 E2 Validation and Disclosure 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

Notwithstanding paragraph ( 2 ), a court may not impose any civil penalty on a person for a violation of Section 623 ( a ) ( 1 ) unless the person has been enjoined from committing the violation, or ordered not to commit the violation, in an action or proceeding brought by or on behalf of the Federal Trade Commission, and has violated the injunction or order, and the court may not impose any civil penalty for any violation occurring before the date of the violation of the injunction or order.

I reviewed a copy of my credit report and am disputing all items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : 1. XXXX XXXXXXXX XXXX XXXX XXXX - This account was paid in full 2. XXXX XXXX # XXXX 3. XXXX XXXX # XXXX - This account was paid in full 4. XXXX XXXX - # XXXX
Complaint sub-issue: Account information incorrect

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX I Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : REF # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I was notified via my credit score monitoring service that a collection had been placed on my credit history by XXXX in XXXX Arkansas. I called this company and they say I owed them XXXX $ for a internet line started in my name somewhere in their service area. I told them I never even lived in Arkansas, much less opened an account with them. They would n't help me. 

I contacted XXXX and Equifax to dispute this collection. XXXX removed the collection, finding it to be not valid. Equifax told me it was valid. It is not valid. I have never lived in Arkansas. The only explanation is someone used my name to open an account or there is a mixup somehow. 

I do n't really see an option to appeal with Equifax 's decision except to add a statement to the note on my credit report, to again try to dispute the account with the original company ( which got me nowhere ), or to send them some sort of documentation about the collections but I have no such thing since I did n't open any actual account and can not prove a negative.
Complaint sub-issue: Attempted to collect wrong amount

MRS BPO , LLC on XX/XX/2021 mailed me a letter stating that I owed {$460.00} for XXXX Bank. I recall making payments to XXXX Bank and I do not believe that I owe the amount requested. I would like the debt collector to review my account with XXXX Bank to look at all credited payments.
Complaint sub-issue: Keep getting calls about your loan

ECMC calls from 2 different numbers. XXXX and XXXX XX/XX/2018 XXXX, male caller, identified himself as ECMC. I informed he was calling my employer, calls not allowed, do not call again. 

XX/XX/2018 XXXX, female caller, identified herself as ECMC to my coworker. I informed again she was calling my employer, do not call again. 

XX/XX/2018 XXXX, same female caller, Identified herself as ECMC to a  coworker. I informed again, DO NOT CALL. 

XX/XX/2018 XXXX, same male caller. identified himself as ECMC to a coworker. informed I was filing complaint. do not call again.
Complaint sub-issue: Deposits and withdrawals

i have not been able to access my account at us bank since XXXX bank says its on hold for review i have spoke with branch manger he said there are no information except its on hold the branch manager the staff also staff at other branches of bank and about 4 times over the phone requested for more information and to contact me either with phone or email and still my last contact last friday she said she will go ahead and request info and i told her i have done that more than few time it has been requested several times i asked her i know you can call some one in us bank system and tell them whats happening she said i only can request more info my full name is XXXX XXXX cell number XXXX XXXX XXXX i have a checking and saving account i have been paying monthly fee and intrest rate on my checking reserve line i have lost over {$1300.00} for not being able to do bussiness at and for my work such as direct deposit and being unable to purchase things for my work and every day life.i need to find out why us bank has left me hanging like this
Complaint sub-issue: Information belongs to someone else

This letter is a formal complaint that Credit Bureaus are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged items, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible : 1. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX please delete it 2. The following account is not mine : XXXX Account Number : XXXX Please remove this account from my credit report immediately!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Several months ago, I received an alert from my credit monitoring service indicating a negative account was added to my XXXX  and XXXX  credit files by Plus Four so I drafted up a letter and mailed it to Plus Four via USPS Certified mail with Returm Receipt. Several days later, the mail was returned to me as undeliverable because Plus Four refused delivery. I have included photos of the actual letter I sent along with front and back pictures of the envelope with postage/certified mail sticker/return receipt still attached, with the word " Refused XXXX '' written on the front of the envelope and the envelope remains unopened. Under the Fair Debt Collection Practices Act, I have the right to validate the alleged debt and due to Plus Four 's deliberate intent to evade this process, has not afforded me the opportunity to do so. Their failure to validate debt and accept mail delivery to their business is a clear violation of the law.
Complaint sub-issue: Trouble getting, activating, or registering a card

Since XX/XX/2020 ... .I have made over 50 phone calls to US Bank and Reliacard , gotten lies and circles for 6 months. During that time over {$1500.00} in Unemployment fron Texas Workforce Commission has loaded bi-weekly onto this card account. Faxes from three employers and a coworker giving mailing address updates trying to receive this bank card had no results at any of 4 LOCAL XXXX ADDRESSES. On two occasions after frustrated 43 minute wait times, the Reliacard rep. claimed to be Overnighting it at a {$12.00} cost ( x2 ). As of today 5 adults yet wait to see this bank card arrive.
Complaint sub-issue: Information belongs to someone else

i am a identity theft victim. i have aquired a police report and a id theft report as well. 

inaccurate items as follows XXXX XXXX balance {$6600.00} this account was open by someone else chapter XXXX bankruptcy reported XXXX XXXX not my account. 
XXXX XXXX {$260.00}. not my account
Complaint sub-issue: Account information incorrect

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX See current reporting statements below on Equifax and XXXX Reports from XXXX XXXX site. Many inaccuracies reported.. Reports different information to different bureaus. XXXX  not available. 

Line of Credit {$8000.00} ... Correct. Incorrect states I owe almost {$18000.00} for excessive interest and fees. How? Account has been closed for years. 

Reports to bureaus 3-4 times XX/XX/XXXX, no report XX/XX/XXXX, or XX/XX/XXXX and now reporting again XX/XX/XXXX.  Same company Reports no past due On one bureau shows none due as minimum payment '. The other bureau owes monthly minimum payment {$9900.00}. ( yes, this is not a typo ) Acct open XX/XX/XXXX and Last Payment XX/XX/XXXX ... probably correct. 

-- wife loss job in XX/XX/XXXX ( not her acct ) and I have not worked since XX/XX/XXXX both of us are XXXX, Company has called leaving various voice mails not disclosing they are debt collectior on my wife 's cell voice mail. Last call XX/XX/XXXX left message stating they were XXXX XXXXl ( not giving name of their company ) and calling about a claim ( no mention of debt collection on voice mail ). She called back about claim and what was this about. Talked to my wife about my account without my permission. She is not a co-borrower on account. Threaten my wife to seize my XXXX and wife ; s SS by freezing our bank account so we couldnt pay our bills so they are paid..We dont own home, do not own vehicle. We have no savings, This company Breaks Credit Card State and Federal Laws -EOCA -The Card Act 2009 -Fair Credit Reporting Act Predator Credit Card Lender. Sent revisions to terms and said you automatically agree or pay account off in full.
Complaint sub-issue: Account status incorrect

This is what Equifax is claiming validates the debt between me and XXXX XXXX XXXX. XXXX XXXX capital. See file named XXXX  debt. I made the same thing up on my computer and I put Equifaxes name on it so this proves Equifax owes me money. If they are claiming that what XXXX submitted as proof of debt then what I am submitting prove Equifax owes me money. XXXX has not produced the credit card contract. They have not produced a receipt with my signature on it or anything else expect for a spread sheet that alleges I owe this debt. If Equifax allows XXXX to present that as debt validation then what I presented here proves Equifax owes me money.
Complaint sub-issue: Other problem

XX/XX/2020 Discover card was instructed by the account holder to remove me as an authorized user prior to them closing the account. Discover card for unknown reasons is failing to remove me as an authorized user. Discover has caused me to receive a drastic deduction in points and has caused me to be denied credit. Discover seems to be refusing to remove inaccurate information, they have not responded to the dispute.
Complaint sub-issue: Didn't receive notice of right to dispute

Back in XX/XX/XXXX I had a XXXX and was on XXXX and last I knew they paid for it. Then in XX/XX/XXXX of this year XX/XX/XXXX I got a letter of ganrnishment for the bill that I was under the impression that XXXX had covered but only covered part of the sugery. I never received an bill nor was contact about the debt. The garnishment letter says I owe XXXX dollars and I do n't think it 's fair for all this tacked on interest when no bill was received. I 've contacted them to try to arrange a payment plan for the original balance. But they said I have to pay the full amount with interest. I called the place where I had the XXXX and they do n't have any records of it any more. I 'm at a loss and unsure of what to do.
Complaint sub-issue: Attempted to collect wrong amount

West Asset Management sent me a repayment plan request, which I completed and returned to the listed address. I agreed to make monthly payments of {$180.00}. WAM claims they did n't receive the documentation. I know for certain the documents were mailed to them. In the meantime, they have called repeatedly threatening me, saying they will see that my credit is destroyed and I will never have anything. They call at all hours of the day and night and they 've called my employer. Additionally, they 've capitalized the grants I received in the total debt amount. I 've discovered a disbursement error by the University XXXX XXXX Maine that has not yet been rectified. I want to pay my student loans in an amount that is manageable.
Complaint sub-issue: Threatened or suggested your credit would be damaged

XX/XX/22 XXXX XXXX ( XXXX XXXX XXXX ) took {$250.00} from my checking account. No idea how they got my routing number. I contacted my bank on XX/XX/22 and account was closed immediately. Now XXXX has reported the charge to a collection agency. They have since sent letters, made phone calls etc. I told the credit agency, TRS XXXX XXXX XXXX XXXX, that the debt was not mine. They insisted it was and would not give me or send to me documentation to support their allegations. I refused to provide any further information but these people have my name, address, phone number and I feel threatened by their actions. I XXXX years old live on a limited income and really don't know how to deal with these people
Complaint sub-issue: Personal information incorrect

I have the following incorrect information on my report that I need removed. 

XXXX  - XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX XXXX XXXX this address does not belong to me XXXX, GA XXXX XXXX  - XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX XXXX - this address does not belong to me XXXX, GA XXXX XXXX XXXX XXXX XXXX - this address does not belong to me XXXX, TN XXXX Equifax - XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX - this name does not beloing to me XXXX XXXX XXXX XXXX - this address does not belong to me XXXX, GA XXXX Please update and delete on my XXXX, Equifax, and XXXX   reports accordingly. After numerous reuqests of being ignored I demand that they be deleted immediately.
Complaint sub-issue: Personal information incorrect

I first noticed that on the XX/XX/XXXX that my credit score was updated on two of the three credit bureaus, XXXX  did not adjust ( which is sometimes customary ( as long it is not a low score ) ), my XXXX  score had risen greatly ( no complaint against them ), however, my previous score with Equifax was XXXX, with a good credit standing, but it dropped tremendously about 56 points to XXXX without reason. I contacted an Equifax customer service agent after creating a MyEquifax online account, and the agent was giving me tips on how to improve my credit score by signing up with the only card I have and is in good standing with, after I explained the aforementioned issue ( why did Equifax lower my score whereas the other two had either risen or remained stable ). 

So basically, I am only asking that Equifax not only bring up my score back to XXXX, but also update my score with the recommended points close to or above 700. I only have one major credit card ( XXXX XXXX/MasterCard ) in which I have been paying two or more large payments before the due date the last two months ( from XX/XX/XXXX and in XX/XX/XXXX ), so my question is why did this credit bureau lower the score by 56 points whereas the other two bureaus either heightened or stabilized the score?
Complaint sub-issue: Information belongs to someone else

I've tried to correct this matter with reporting agency and have been denied of my rights numerous times. After initial communication on XX/XX/2021 of inaccurately information on my credit report. Company failed to even investigate. Stated Company reporting the information has made known over recorded lines that they did not receive permissible purpose or consent or nor did they investigate before hand of reporting information to my consumer report. I've recorded lines I have made it known to the reporting agency of the facts herein. Reporting agency refuses to remove these accounts from my report causing me stress and ultimately the right to extend credit as this is impacting and hurting my credit file during verification from lender 's. I have record of duration of calls and screen shots of account reporting to my credit file inaccurately without permissible purpose or consent. Holding company at fault for civil liability. 
I spoke with supervisor by the name of XXXX ( i.d # XXXX ) and also advised him of the injury stated company was causing me and the possible violations due to injuries. 
FTC HAS BEEN FILED
Complaint sub-issue: Problem with personal statement of dispute

On XXXX XXXX, 2017, I sent an email request to Equifax concerning why my credit score dropped XXXX pts. Nothing obvious occurred on my credit to justify such a drastic drop in score. I was not given an explanation, specific to my personal credit report, for the score drop.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Credit inquire on report that I do not recognize.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2019 I tried to make a deposit of {$200.00} using the ATM inside the lobby of my PNC bank, but Instead of using my debit card from the bank, I used my credit card by mistake when I put the {$200.00} in the ATM. The ATM took the deposit and gave me a receipt that said transaction can not be processed and kept my {$200.00}. I spoke to the manager XXXX XXXX he told me to have the issuer of the credit card file a payment research request with PNC so they can do an investigation to see what happened to my {$200.00}. I contacted the credit card company and the credit card issuer said they can not find the payment and to have PNC trace the funds. I consider this incident a malfunction of the ATM operated by PNC and feel that they should be able to investigate without need for a request from another company, the ATM receipt shows the time and sequence number, so PNC should be able to verify with video footage that Im telling the truth.. I would like PNC to return my {$200.00} that the ATM should have returned to me since the transaction could not be completed. Please see attachments. Thanks XXXX Pnc bank I used was the one in XXXX XXXX, Ohio
Complaint sub-issue: Was not notified of investigation status or results

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 
The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX STUDENT LOAN CREDITORS : USDOE/XXXX ACCOUNT NUMBER : XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX has fraudulently reported and sold my personal information to credit reporting agencies and to XXXX XXXX XXXX. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.