Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Fee problem

On XX/XX/XXXX I noticed there were several NSF applied to my PNC checking account. If they had processed them in order there would have been one NSF fee, but instead, they applied NSF fees to 7 transactions, {$36.00} a piece. I called on XX/XX/XXXX and spoke to a " consultant '' and she attempted to credit the money back but the system would not allow her to. The next day I went into my bank account to assess if there were any more NSF fees. That's when I noticed a " Teller Deposit '' for {$340.00}. I called and spoke to another " consultant '' and she told me it was for a child tax credit and it would be removed with the deposit of the child tax credit. I had my complaint escalate and was left an email by a woman ( I will provide the name later ). I tried to contact her and the number she left would just ring and ring and then hang up with no voice mail. On Saturday XX/XX/XXXX, after I had transferred funds and made a mortgage payment, PNC decided to revoke the " Teller Deposit. '' My account showed a negative balance and it's as if the " Teller Deposit '' was never made. However, I took screenshots. No notification and my mortgage has not been deducted yet. So I called the main PNC number on XX/XX/XXXX and the " consultant '' escalated my complaint to another individual in the same department ( Retail Management ). The gentlemen refused to give me his last name, employee ID, or any identifying information. I spoke to him about the " Teller Deposit '' at which point he told me it was a mistake by the teller and I shouldn't have spent the money. At this point, I explained that the teller told me it was for a child tax credit. So he looked at the account and stated it was a " COVID relief '' deposit. I then posed the question that they can just arbitrarily add and take away money without notifying the customer. He told me, " Yes, '' and I proceeded to tell him that this was not legal and he insisted that it was. I have been a customer for over 10 years with PNC and after this, it has left a bad taste in my mouth, and will be searching for another bank to bank with. I have screenshots in XXXX XXXX form for the company to review.
Complaint sub-issue: Investigation took more than 30 days

XXXX - XX/XX/2020 Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Complaint sub-issue: Not given enough info to verify debt

This company has violated the FDCPA and the FCRA. I sent a letter requesting to verify the debt and it is now over thirty days since they received the certified mail request. I have asked them to remove their derogatory information from my XXXX report and they have not complied.
Complaint sub-issue: Information is missing that should be on the report

So when I app for credit once creditor receives my accurate report but the after I apply to another creditor my credit report file has no information ... ..resulting in a denied application. I recently disputed these inquiries as false information and nothing has been done as of now, so Im going to provide proof as they reporting inaccurate information to the creditors I applied too. 

My credit report is attached as proof from Equifax!!! 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XX/XX/2017 XXXX XXXX - XXXX
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed from all three credit bureaus immediately.
Complaint sub-issue: Account information incorrect

Incorrect information furnished. Attached is documents showing issues.
Complaint sub-issue: Information belongs to someone else

There is currently an account and numerous inquiries listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.
Complaint sub-issue: Billing problem

I processed my scheduled monthly payment on my account as I have been for years and years. My normaly payment of {$340.00} was due XX/XX/XXXX, I processed my monthly payment on XX/XX/XXXX ( before being 30 days delinquent ) As i have done many time over the course of the loan. 

Suddenly now VW credit wants to list that my account was over 30 days late when that is not false. I've requested they fix the issue and explain it & no one can seem to give me an answer on what's going on. 

I'm not sure if VW credit is hurting for $ $ due to the coronavirus, but i've made ALL my payments during this pandemic and never requested any forgiveness. The fact they want to say im past due is atrocious.
Complaint sub-issue: Information belongs to someone else

This is my ANOTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX  XXXX Balance : {$440.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$29000.00}
Complaint sub-issue: Reporting company used your report improperly

I am applying for a mortgage and I'm told I have this derogatory account for Kikoff Lending. I am not aware of any such account. When I reach out to Kikoff Lending, their phone # only goes to a voicemail that says email us at XXXX I've emailed and not heard back from anyone.
Complaint sub-issue: Public record information inaccurate

i submitted a dispute for inaccurate information for 4 months in a row and they have yet to remove this account from their system
Complaint sub-issue: Account information incorrect

In XX/XX/2017, when I bought a home and moved from XXXX apartment before a week to expire the lease but paid fully, I and my family cleaned the apartment very nicely. She had to return the security deposit of {$890.00}, all or some. Instead, she sent me a bill of {$2000.00} and she said that she has paid that to clean my apartment and that {$1100.00} is left over after deducting the security deposit of {$890.00} as per her. We had left the apartment in clean conditions and she did not spend any money to further clean. I asked her to show me the formal proof of payment or proof of expenditure to clean the apartment, she was not able to show any evidence of payment made to clean the apartment. And there was nothing mention in the lease about the post clean of apartment if it was made too. She was simply taking advantage of simplicity of me and my family to make us pay. I told her, " Regardless of nothing mention in the lease about the post clean of apartment, I will pay if you have a proof of payment made to clean the apartment ''. She had no any bill or any thing. Here she is not honest. She is simply trying to make me pay.
Complaint sub-issue: Didn't receive enough information to verify debt

In XX/XX/XXXX I received a letter from EOS CCA regarding an alleged debt for a private student loan. I was unaware of any private student loan in collection or not paid since all of my student loans were transferred from XXXX XXXX XXXX to XXXX. I checked my credit report and EOC CCA is reporting this alleged debt as a collection. I contacted EOS CCA and requested documents verifying this alleged debt. EOC CCA sent me copy of the promissory note dated XXXX. I called EOS CCA and explained that it has been 13 years since the date of those documents and they have exceeded the legally allowed time to report this alleged debt to the credit bureau. They said that the debt became due sometime after that date. I have requested documentation proving that this debt became due or was paid at any point to support their reason for continuing to report it to the credit bureaus and they have failed to provide documents. It has now been 8 months since I have been requesting proof and they have not been able to provide any proof and yet they continue to report the debt to the credit bureaus despite this alleged debt being 13 years old. At this point I am looking into hiring an attorney to handle this matter as the EOC CCA inaccurate credit reporting is now causing me monetary  damages.
Complaint sub-issue: Their investigation did not fix an error on your report

i have been disputing an alleged account from XXXX  XXXX .it was in litigation in XXXX XXXX florida .the judge said i won the case the attorney for XXXX XXXX is XXXX XXXX he is still reporting this i can not talk to XXXX   XXXX because it directly sends me to this attorney they are reporting it every month in a unethical manner to drive my score down. which i believe violates the f.d.c.p.a. an the f.c.c.p.a.and all three credit agencies refuse to take it off my report, Evan sending them documents to prove i wasnt lying ... the numerous disputes has gotten me no wear but time added on to this account.XXXX XXXX owes me XXXX dollars.that his law firm has refused to pay.the law offices of XXXX XXXX XXXX out of XXXX  florida. i just want it removed from my credit report.
Complaint sub-issue: Account information incorrect

i made payments in advance to this company which is a simple interest loan not a compounded interest loan. this company reports daily interest charge as my principal balance. causing my credit score to go down. on a simple interest loan per california law is computed on a daily rate based of the apr on the principal balance from the date of the last payment to the date the next payment has been received. i made my first 2 payments early. and after that i have paid for several bigger payments. the company then reported to transunion the interest accrued prior to receiving the next payment making my principal balance increase. the credit bureau in turn lowers my credit score believing i missed a payment. i called the loan company to ask them why are they doing this to me. and to please follow the law in regards to reporting the principal balance correctly. every time i make a payment they report to the credit bureau a few days before the payments due the principal balance plus the interest charge always making my actual principal balance higher than it actually is. i sent documentation to the customer service rep. to show him exactlly what i was talking about. he acknowledge that my credit report reflect the interest is included in my principal balance instead of listing the correct principal balance. today i went to check on my credit score and i saw my score went down even further because the company had attached a statement to my report. unfortunately i can not view this statement but it is derogatory because it caused my score to decrease even further. so instead of helping me raise my credit score they are deliberatly using evil practices to hurt me. i dont understand why. i am a good client i dont cause any issues i make my payments online and i never have been late yet they treat me as if i am a bad client and even go out of thier way to hurt my credit score. i never have dealt with a company who punishes thier good customers. and i have a more in depth credit monitoring account and i saw on there that they ran my credit report multiple times for 3 months i seen it ran every day for a week then a week later it was ran multiple times yet again. must have been at leadt 14 times. as you can see in the attachment that i provided that my score was affected by going down XXXX points because of the remark they added. instead of it going up because i made a payment it went down and XXXX points is a lot.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Elan Financial is reporting and making attempts to collect on a debt not owed as this was discharged in bankruptcy
Complaint sub-issue: Problem making or receiving payments

In XXXX of XXXX, I filed a dispute for a charge that I did not authorize XXXX {$350.00} XXXX. Shortly after, I received the provisional credit. I proceeded to close that account and open a new one at the same institution and transfer the provisional credit over to the new account. 

Maybe a few weeks later, the merchant sent a refund to the debit card, but the card and the associated checking account were closed. After speaking to the bank, the funds were evidently rejected from the card and were applied to the closed bank account. US Bank then denied the fraud claim and tried to deduct the provisional credit from the closed bank account. This may be a timing issue, but the merchant refund may not have been applied to the closed account until after the bank tried to debit the {$350.00}. The account was then charged off with a {$30.00} charge off fee sometime in XXXX. I received notification from the bank ( I no longer have ) that the merchant sent a refund and they would debit the provisional credit. I figured the account would zero out, but that did not happen. 

I was told someone with the proper authority ( I presume they meant a case processor ) will need to reconcile the account to zero it out and remove the charge off. 

On XX/XX/XXXX, I received a call from a XXXX XXXX  representing US Bank about this charge off. I then made my first of four calls to US Bank the same day to get this resolved. 

- XX/XX/XXXX was a 47 minute call, spoke to 4 ( maybe 5 XXXX, with one putting me on hold in the middle of me talking, different people. I was promised a call-back, but did not receive one - No Resolution - XX/XX/XXXX was a 37 second call, spoke to no one. Hold times were in excess of 30 mins so I hung up and decided to try again next day - No Resolution - XX/XX/XXXX was a 1 hour and 7 minute call, spoke to maybe 3 people. I was promised a call-back, but did not receive one - No Resolution - XX/XX/XXXX was a 12 minute call, spoke to 2 people. I was told the XXXX XXXX attempted to call, per the request of my previous call, and there was no answer and no ability to leave a voicemail. I said that I could not find a record of any calls from US Bank. I was promised a call-back, but did not receive one  - No Resolution - XX/XX/XXXX was a 37 minute call, spoke to 3 people through the request of escalation. I was told the XXXX XXXX attempted to call, per the request of my previous call, and there was no answer and no ability to leave a voicemail. I said that I could not find a record of any calls from US Bank. I refused a call-back and was told there were no other avenues to resolve this issue. I was told a request would be made to the XXXX XXXX and I should receive a letter in 7-10 business days if a solution could be found - No Resolution One major customer service issue I felt was everyone, but one person was apathetic to this. I did not get the feeling this was all that important, given the amount of times I was pushed off to someone else.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018 Equifax removed XXXX XXXX XXXX XXXX ( " a good standing account '' ) from my consumer file in which it was not part of my dispute.
Complaint sub-issue: Deposits and withdrawals

I have been holding the phone for 30 minutes while a girl named XXXX in the business service center has told me she was calling another department but hasnt came back to the phone. I keep being lied to, I have called 5 times about 2 charges from XXXX  XXXX for {$5.00} and {$12.00} that were fraudulent and need to be removed from my account after being disputed. I was also told the 3 overdraft fees for {$36.00} each on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX would be removed. Instead of doing what your representatives promised they keep adding more late fees.
Complaint sub-issue: Investigation took more than 30 days

i I am submitting this XXXX XXXX XXXX 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

Because I was unaware of what has been going in regards to my credit report monitoring and having incorrect and outrageous errors all over my reports, this has concluded as a identity theft issue. And obviously, I am the victim. With that being said, and all my timing being very unexpected and hectic within my busy life as a fulltime mother and XXXX, I am AGAIN unaware and shocked with a Urgent notification letter from Sheriffs Dept. to my residence, stating under my name an ARREST WARRANT! Therefore, fast forwarding towards ALL procedures I must do to quickly process towards my most important task ; clearing my name FIRST and rolling over to correct my IT issue, as well as my SS #. Lastly, I state that in my terrible and agitating situation, it all sums up quite simply that as a victim of Criminal IT ... MY NAME is now FALSELY UNDER FOR AN ARREST WARRANT DUE TO A SERIOUS FELONY CRIME. Thanks a lot for whoever decided to do this to ME and vanish into thin air so I can unknowingly suffer the consequences, and most unfortunately, AS AN INNOCENT CIVILIAN..!
Complaint sub-issue: Account status incorrect

XXXX broke my loans down into 9 different accounts with 9 different interest rates increasing my loan to over {$37000.00} for an XXXX degree!
Complaint sub-issue: Reporting company used your report improperly

Company pulled my credit report shows as a new installment or bank account inquiry.. 

From what I see they are trying to open a loan or bank account using my information, which is called fraud! 


Credit reporting agencies should not be allowed to pull my report as it is not needed to report a bad debt, instead now it looks as if I've applied for a loan or bank account.. 

This should be illegal!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX account number XXXX and ACCT XXXX XXXX account number XXXX has violated my rights. 

15 U.S.C. 1681, section 602A states I have the rights to my privacy. 

15 U.S.C. 1681, section 604A section 2 : it also states a consumer reporting agency can not furnished an account without my written instructions.
Complaint sub-issue: Account information incorrect

Dating back to XXXX XXXX2021 after receiving a copy of my consumer credit report at my request after being denied credit by a creditor, I was in complete shock as to how much inaccurate information and the number of discrepancies being reporting between all XXXX of the major Credit Bureaus XXXX XXXX, Equifax, XXXX ) within my consumer report. Since then I have mailed in a total of XXXX dispute letters to all three bureaus ( XXXX, Equifax, XXXX ) to resolve this matter as it is damaging my character in regards to my financial situation and ability to repay creditors. I have mailed letters both certified and standard postal on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the last being XX/XX/XXXX in regards to solving this matter, however the problem still persist and is ruining my financial reputation. As some unverifiable and inaccurate information have been removed/corrected there are still a number of accounts that have not been verified, updated or deleted by request that is still reporting false and damaging information. The remaining accounts that continues to report false information is ; XXXX XXXX, XXXX XXXX, The Bureaus, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Card, XXXX XXXX and XXXX XXXX XXXX The following accounts within each bureau contains discrepancies in regards to the past due balance, rightful owner of the account, payment dates and history, date last active as well as the last payment date. According to the FCRA XXXX XXXX it is the responsibility of the Credit Bureaus to report fair and accurate information within each consumer profile in which they have not done in this particular case. I do understand my rights as a consumer which is why I felt the need to file a complaint with the CFPB as I am not getting anywhere with the reporting agencies and the inaccurate reporting is defamation of character.
Complaint sub-issue: Old information reappears or never goes away

As a consumer I am highly disappointed in this Bureau! I have sent several letters to them about several accounts on my report that were deleted and re-added for instance account XXXX and XXXX these are the same account that were delated from the original creditor XXXX XXXX because they were disputed. I asked them to verify this account with the original creditor and they couldn't so it was deleted. However it was readded to my credit report under XXXX and another name. As a consumer I have the right to a credit report that is 100 % accurate. What makes matter worse is that the bureaus isn't supplying me any information on the dispute process. I have sent several letters and have gotten no responses from this Bureau. This isn't the only account that this has happened with ; there was another, account Account number XXXX creditor XXXX XXXX XXXX  which I disputed this account with the Bureau back XXXX XXXX resulting in, apparently a deletion which I also didn't receive a letter about, this was deleted due to them not being able to verify the account and then a month later was readded under account number XXXX and XXXX. I will be including copies of my credit report from XXXX and my most Recent credit report here in XXXX. However the Bureaus have a responsibility to make sure all information is accurate and correct before entering it into my credit report! This didn't happen. I am writing this complaint because I am expecting them to correct not only these two files but all the others on my credit report!
Complaint sub-issue: Information belongs to someone else

There is a lien on my credit report that belongs to someone else. It is from    XXXX    County , for a debt from New Mexico Taxation and Revenue, from years ago, and from a "  XXXX   XXXX  '' with a different social security number. I only moved to the  US  last year, and have never dealt with, or even visited,  XXXX  or New Mexico