Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem using a debit or ATM card

PNC Branch offices closed due to virus in XXXX XXXX XXXX XXXX Residents about half of whom are over 90 using atm for the first time. The interface on the atm default process for deposits is express cash which has a 2 % fee for immediately available funds. Fee is disclosed and an option for standard availability is available. However few residents are sufficiently fiscally aware to understand that choice. 

I asked the bank to remove the express cash option for our community. They declined. 
I asked the bank to send out a letter to customers offering an opt-in for the feature. They declined. 
Our residents are generally are on fixed incomes or have portfolios that have lost significant value. At the very least PNC should refund any fees that are charged.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased a chair from XXXX  XXXX customer service on XX/XX/2022, in the amount of {$1000.00}, sales-check XXXX, receipt number XXXX, case number XXXX delivery date XX/XX/2022. However, when I purchased the furniture, I provided the customer service rep XXXX XXXX with voucher information in the account of {$580.00} but it was not applied to my account/order. Can you please assist me with resolving this issue to adjust my account balance to reflect the credit provided? 

Very frustrated, XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I have several inquiries on my consumer report as a result of identity theft. I brought this to the companies attention and these inquiries are still on my consumer report, causing me great financial distress. My proof identity is attached below with my Social security card. These inquiries are as follows : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. These inquiries pertain to EQUIFAX AND XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.15 U. S. C 1681 section 602 A. States I have the 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: Card was charged for something you did not purchase with the card

I am a victim of ID Theft and elderly financial abuse. 

XXXXXXXX XXXX had done an excellent job of restoring my accounts, minus various debits and attempts to send money to a " XXXX XXXX. '' However, Discover card has not provided a Conditional Credit or permanent reversal for a charge unauthorized to XXXX XXXX in New York, for {$3900.00} on XX/XX/XXXX. After a month and hours on the phone talking and transferring to several agents, payment is coming due. When I checked on line on Disputes, I get " You have no active dispute on file. '' Address is : Discover Financial Services, XXXX XXXX XXXX. XXXX XXXX XXXX. Utah XXXX. 

Please help before my perfect payment record is impacted. 

XXXX XXXX XXXX XXXX XXXX. 
Ca. XXXX ( XXXX ) XXXX
Complaint sub-issue: Problem getting my free annual report

I tried to retrieve my free annual credit report, however, after answering the prove your identity questions incorrectly ( all questions ) they refused to allow me access to the report. Also, that the questions asked were all pertaining to a credit loan and a a mortgage lender and an a person who I never heard of let alone reside at the address ever to my knowledge which is making me nervous.
Complaint sub-issue: Reporting company used your report improperly

IN ACCORDANCEWITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS AND CONFIDENTIALITY UNDER 15 USC 1681 15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY AND ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME XXXX XXXX XXXX XXXXXXXX ACCOUNT # XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX Reporting information with actual knowledge of errors 15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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 INSTRUCTION 15 U.S.C 1681C ( A ) ( 5 ) - THIS SECTION STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION OTHER THAN RECORDS OF COVICTIONSOF CRIMES WHICH ANTEDATE THE REPORT MORE THAN SEVEN YEARS 15 U.S.C 1681 SECTION 602 A STATES I HAVE A RIGHT TO PRIVACY PLEASE REMOVE ALL PHONE NUMBERS AND ADDRESS FROM CREDIT REPORT
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020 I stayed in a Hotel in XXXX  called XXXX XXXX  XXXX. Unfortunately my reservation said XXXX and the hotel was in complete disarray due to remodeling. The furniture did not look anything like the one I saw in pictures and felt I did not get what I expected. 

I left the next morning at XXXX and the hotel had charged me {$410.00} XXXX for the 3 days of reservation. I told them that I was not aware that they would charge me for this upfront and they asked me to talk to manager that would arrive at XXXX. Since I had to go to work I left and checked in at another hotel XXXX XXXX. 
That evening I tried to call the hotel and they never responded. 

So I filed a claim with Citi back then. Initially they denied it as they said I had not proven that I had tried to contact the merchant even after I showed them proof that I did as well as the travel agency. 

Then refiled, then about a month later they sent me a new denial letter stating that I had to show proof of cancellation prior to arriving ... its like Citi Dispute team never read my letters. 

Then I sent again advising them of what happened and that I had paid for another hotel for the remaining 2 days of my visit to XXXX  and that there was no way for me to know upfront that the hotel would be in disarray prior to me arriving. So I would not be able to provide a notice of cancellation. They asked me to submit proof that I stayed at another hotel. 

Now I get a new letter stating : We may be able to assist you if you provide us with documentation showing the merchant agreed to credit your account. If you are unable to provide this you will need to seek other means to obtain credit '' Its like again they NEVER read my letters. If I had documentation showing that the merchant agreed to credit my account ... why would I file a dispute. 

I have spent countless hours calling and following up. In the meantime they charged my account for the bill and are accruing high interest in my account. 

I am not sure what else to do but to file a complaint and request the support of CFPB on this matter. As you can see on the attached its {$410.00} XXXX for one hotel PLUS {$330.00} ( 2 nights ) for the other hotel I moved to.

I agreed to pay for 1 night for the hotel even though I was upset with my stay. So I am requesting a refund for {$270.00} XXXX from Citi and so far they have been siding with the merchant even though they did not provide this service. I feel robbed and need to get this refund issued to me immediately. I am having to make payments on a service I did not receive.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXXXXXX XXXX XXXX and XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX  and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Account information incorrect

I Mailed A Notarized Copy Of My Inaccurate Information To Equifax In XXXX And Then Followed Up With Another Letter On XX/XX/2021. 

I Did Not Receive Any Replies Back And No Changes. 

By Law, They Are Supposed To Reply Within 30 Days.
Complaint sub-issue: Information belongs to someone else

I wrote a letter about accounts that may be found in my credit file that were erroneous and inaccurate not long ago, and I'm disappointed that they're still there. I do not verify such accounts, which is a violation of the Fair Credit Reporting Act 's US Code 1681 Accuracy and Fairness in Credit Reporting.
Complaint sub-issue: Account status incorrect

dear sir/madam, the   XXXX   XXXX   XXXX  , was started report on   XXXX   XXXX   XXXX  , an account, that was an a Personal loan for {$5000.00}, opened on   XXXX   XXXX  . THEY ARE REPORT like a " Conventional Real Estate Mortgage '' AND  (  Closed - Derogatory ) impacting my score in a frivolus AND MALINTENTION TO HURT MY CREDIT MORE, because that account was included in a chapter "  XXXX  '' schedule, AS A PERSONAL LOAN NOT A MORTAGE, on   XXXX   XXXX   XXXX   and discharge on   XXXX   XXXX      (  United States Bankruptcy Court  XXXX   XXXX  of Florida.     credit report :   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   XXXX , P.R. XXXX  (  XXXX  )  XXXX  Reported on   XXXX   XXXX   XXXX   {$4700.00} Account Details Last Reported   XXXX   XXXX   XXXX   Creditor Name   XXXX   XXXX   Account Type Conventional Real Estate Mortgage Account Status Closed - Derogatory Opened Date   XXXX   XXXX   XXXX   Closed Date   XXXX   XXXX   XXXX   Limit Term 60 Months Monthly Payment {$140.00} Responsibility Individual Balance {$4700.00} Highest Balance {$5000.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment   XXXX   XXXX   XXXX   Amount Past Due {$1700.00} Times  30/60/90  Days Late  0/0/0 Re marks Charged off as bad debt Profit and loss write-off
Complaint sub-issue: Information belongs to someone else

Credit bureaus put stuff on my credit report without even warning me about it. I never received any correspondence from them.. These accounts were fraudulently opened in my name. I am a victim of identity theft and did not make the charges..I am requesting that the items be blocked to correct my credit report XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX   XXXX XXXX XXXX )
Complaint sub-issue: Debt was paid

I paid rent in full {$490.00} to XXXX XXXX XXXX, XXXX XXXX, TX on XXXX XXXX. However, they still referred to IQ Data international. I told IQ that I had already paid in full, but they still called me constantly. Then they even reported to it XXXX. So, My credit score decreased. Now, I have claimed to dispute, but XXXX did not settle down this issue.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I've been in dispute with this company ( XXXX XXXX XXXX. ) and the bureaus to which this account has been deleted off my credit file. Now I'm receiving a letter from this company today saying I owe {$1900.00} ....??? Now that this is happening to which I don't know why. This company is not on my credit report. Attached is a copy of the deletion of my credit file. So I want this company to mail me what is it they have. 

Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
Complaint sub-issue: Can't get other flexible options for repaying your loan

Several years back, I took out a student loans with XXXX College. I stopped attending and during the past couple years I have not been able to make payments on my loan due to financial hardships. I am currently living with my parents and have lost my job. I had a baby on the way which caused me to become so far behind on my bills and miss many payments. All of these missed payments caused my credit score to be severely effected. It has been hard for me to get a place for my family with a low credit score. I'm planning to get a new job with XXXX and get back on my feet. 
I want to remove any marks effecting my credit score during the non-forbearance periods and be able to get a deferment on my student loan for 6 months as I rebuild my fiances. I can afford to start paying {$50.00} per month after the 6 month period.
Complaint sub-issue: Investigation took more than 30 days

I have more than 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Problem with fees

XX/XX/2018, {$4.00}, I complaint to the bank about fees and want the money back, but the US bank keep finding excusing on charging fees.
Complaint sub-issue: Was not notified of investigation status or results

After submitting a dispute to Equifax, I am unable to receive the results. I received an email stating that my dispute had " been completed, '' with a link to a website. When I logged into the website, I received an error message stating that the site was " unable to complete this action at this time. '' I tried this four times on four separate dates. On the fifth try, I received a message saying " it looks like we need more information '' and directing me to call a phone number. When I have tried to access the dispute results through Equifax 's telephone system, it brings me to a pre-recorded message stating that " the results have either been mailed to your home or posted online on our dispute resolution site. '' There is no option to speak to an operator, and the results have not been mailed to my home. It seems that Equifax does not actually have a functioning system to inform consumers of their dispute results.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft, The following information is reporting to my credit report is information that i have no relation to. Under FCRA 605B I am requesting that this information is removed from my credit profile within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any wet signature contracts stating that I owe a debt or consented for them to run my credit. The following information is fraudulent XXXX XXXX XXXX # XXXX {$3100.00}, XXXX XXXX # XXXX {$1500.00}, XXXX XXXX # XXXX {$66.00}, XXXX XXXX XXXX # XXXX {$2500.00}, XXXX XXXX XXXX # XXXX {$630.00}, XXXX XXXX XXXX # XXXX {$210.00}, XXXX XXXX XXXX # XXXX {$3300.00}
Complaint sub-issue: Personal information incorrect

Good day, To whom it may concern, I XXXX XXXX soley submit this complaint on behalf of myself in regards to my credit report. I have recently pulled my credit report and noticed the closed account XXXX being reported as a charge off, however the address associated with this account is incorrect and inaccurate. According to the fair credit reporting act I ask this account be deleted and completely removed off my credit report immediately.I have attached my equifax credit report as proof of my claim.
Complaint sub-issue: Received bad information about your loan

I applied for the STUDENT LOAN FORGIVENESS. Was sent an email stating that my request was approved, however couple of days later received a notice in the mail stating that it has been denied.Just would like to be approved since all school have been closed due to misrepresentation.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I had a item on my credit report for a collection agency enhanced recovery company. I called them to find out what I owed. I owed for a old XXXX  bill. I asked for a settlement amount to close and delete the item. I paid the settlement amount in full. In turn they reported to the credit bureaus a XXXX  balance but didn't delete the item. I call the customer service number they informed me they don't delete just update. That still affects my credit score negatively. I kepted my promise to settlement amount. They did not hold up there half.
Complaint sub-issue: Account terms and changes

I am a victim of ID theft from several years ago. I need to unlock my credit for XXXX hrs. to get an apartment for my son to go to college. Equifax now ( did not do in past ) says if you want your credit unlocked immediately you must go online and pay through their website. If I use an agent ( free ) it could take XXXX business days. The problem is the apartment complex can not take the time to check my credit every day for XXXX or more days. This is an intentional effort to create a very inconvenient situation so that a person will pay to get it done in a timely manner. They are trying to thwart the law. I can only imaging how many honest ID theft victims have fallen for this scam from a company that is supposed to protect us from it. 

Thank you very much. 
XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Account # XXXX, an Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also state a consumer reporting agency can not furnish a account without written instructions.
Complaint sub-issue: Debt was paid

I cancelled this before 30 days - they failed to deliver and I paid XXXX for a month of this account. I told them and they cancelled this service.
Complaint sub-issue: Was not notified of investigation status or results

Hi, my name is XXXX XXXX. On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures
Complaint sub-issue: Investigation took more than 30 days

I XXXX XXXX, sent a letter on XX/XX/2021 regarding with inaccurate and unknown things on my credit report. I feel like I am being taken advantage of and ignored by my disputes. In FCRA or Fair Credit Reporting Act section 611 ( A ), it is plainly stated that a failure to investigate these item disputed within 30 days should be deleted from my credit report. It has been over 30 days and I still don't get any response from the 3 credit bureaus. I demand that these item should be deleted immediately as they are causing me stress, this goes to all 3 credit bureaus. I have provide a copy a certified receipt as a proof that it has been over 30 days since they receive my letters, I also provide a copy of my ID as a validity of my Identification.
Complaint sub-issue: Information is not mine

Please see attached ID theft documentation which shows and supports the listed Inquires need to be removed as required by law within 4 business days of receipt. Also update Credit Acceptance Account Payment History to ALL Payments made on time since at no point was the account EVER XXXX days late.
Complaint sub-issue: Reporting company used your report improperly

I sent a letter to each of the 3 credit bureaus ( XXXX, XXXX, and Equifax ) on XX/XX/2022 via certified mail. These are the tracking numbers for each letter ; XXXX XXXX, XXXX XXXX, Equifax XXXX. 

The letters were sent to the credit bureaus so they can investigate the inaccurate information on my credit report and delete or correct the disputed items that are listed in each letter. According to the Fair Credit Reporting Act Title 15 U.S. Code 1681 et seq., and the Code of Federal Regulations Title 12, Chapter 2, Part 222 et seq. inaccurate information and discrepancies should not be on my credit report.

Also according to 15 U.S. Code 6802, I have the right to privacy and my nonpublic personal information is not supposed to be disclosed to any nonaffiliated third party.The attached documents will show that my Federally protected consumer rights have been violated.
Complaint sub-issue: Account status incorrect

Selene Finance admitted inadvertently reporting my payment status as delinquent ( letter dated XX/XX/19 as a response to my previous complaint about them to CFPB ) and they still have not corrected that mistake. They stated in the letter they were completing the necessary adjustments to the account on XX/XX/19 and would report the status of the account as Current but that has not been completed as of today. This has caused me much stress since I am trying to apply for a refinance.
Complaint sub-issue: Debt is not yours

I received a bill on XX/XX/2020 never received anything prior to this the creditor is XXXX I never had XXXX before I've had XXXX  for the last 12 years and they are trying to collect amount of debt of {$350.00} my email address is XXXX I need someone to get back to me ASAP
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX Account XXXX Information on this item has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX XXXX XXXX, XXXX Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated XXXX/XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Updated + 'icon ' Updated
Complaint sub-issue: Don't agree with the fees charged

I have contacted XXXX XXXX   several times. 
I wish to settle my student loan amount I have a loan amount right now that totals {$56000.00} I don't believe it to be fair or accurate to be charged such a high amount when I went to a private college where none of the credits are accepted anywhere. 

I understand that it is my responsibility to pay the student loan and I agreed to do so however I would like to do so by settling it completely instead of it accumulating more interests and fees.