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

Am in the process of stopping the use of the account due to pncs ineptitude. Forgot to switch one of my accounts and funds went over, I transfer from my other and account and they said it was complete but the funds did not appear in my pnc account. I went to pnc to physically transfer money from accounts. They had no issue charging me a fee to withdraw money from my other bank, but would not allow me to deposit money in my pnc account. I went to the inside atm and the same issue, you can not deposit cash. They will probably, again, charge me a overdraft, but this is the issue, I can not deposit money into my account, so I can not logical see how one is supposed to deposit money. Some people work during the 2 hrs the bank is open during the day. When they block the only option to actually deposit money that is very predatory. Not to mention the blockage of linking accounts and transferring money with third parties. They dont want to spend money on real security so they block customer access. Shameful
Complaint sub-issue: Account status incorrect

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609  ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again. 
XXXX XXXX XXXX XXXX : {$66.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a dispute in regards to the inaccurate items listed on my consumer report. I never gave the Tri-bureaus ( Equifax, XXXX, and XXXX  ) written consent or authorization to procure or produce this information, according to 15 USC 1681 ( b ) 2. Due to the nature of this consumer report it has defamed my character to lenders and created emotional distress because of my denial of housing. Another violation which comes to my attention is 15 USC 1681B ( ii-iii ), stating that if any information has been deleted from a consumer 's file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertion no later than five business days after the reinsertion. I received no written notification that this alleged debt was reinserted into my consumer file that I did not give permission to produce. Please delete the accounts listed below due to several violations of the law. The companies in question for the alleged debt are as follows : XXXX/XXXX  and XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent letters to XXXX, XXXX, AND EQUIFAX on XX/XX/2022 and XX/XX/2022 and its been well over 30 days and I still haven't received anything stating why these collection aren't removed. According to 15 USC 1681 I ( A ) ( I ) ( A ) XXXX, XXXX, AND EQUIFAX have 30 days to respond to my dispute this is a VIOLATION of my rights
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting incorrectly a ( 30 ) day late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have never missed a payment on this account. XXXX  and XXXX  are reporting correctly. This false reporting of a late is seriously harming my credit score and this late needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter over 45 days to this bureau and have not received any response, This process has been very stressful and caused me job opportunities because of incorrect information being reported inaccurately in my file. I have sent letters before this date and still the issue has not been acknowledged.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Billing Dispute XXXX Citicards, XXXX XXXX XXXX XXXX XX/XX/2021 I filed a dispute for a charge of {$200.00} that XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 that I did not authorize. The merchant refused to reschedule my appointment and unilaterally charged me {$200.00} in a day when New York XXXX authorities had banned all transportation due to a declared state of emergency provoked by a violent tropical storm. On XX/XX/XXXX I received a letter from the Dispute Center at Citicards asking me to submit additional information and to sign a legal document stating that I did not authorize the charge. I did so in an email containing additional information and also attached the form with my signature, sent on XX/XX/XXXX. I am attaching that email too. They acknowledged receipt of my email and the signed form on XX/XX/XXXX. 
On XX/XX/XXXX I received another email from the Dispute Center stating that they submitted the information to the merchant and would get back to me within XXXX business days. That was the last time I heard from them. 
Since then, I have called to the Citicards Dispute Center several times. I only received vague responses about the investigation process. The merchant supposedly had until XX/XX/XXXX to respond. I was eventually told that the merchant never responded to the additional information I provided. I called XXXX times in the last XXXX weeks and the staff at the Dispute Center never offered an answer so as to why they have not resolved the dispute yet and could not even confirm if they had processed my email from XX/XX/XXXX and the signed form I sent. Needless to say, the time limits and deadlines to resolve the dispute have long passed. Please let me know if you can help me to get my credit card to respect my rights as a consumer and finally resolve this dispute.
Complaint sub-issue: Reporting company used your report improperly

Recently I contacted Exxon Mobil because of the XXXX XXXX, I was unable to make a payment on time and asked if I could make the payment at the end of the month namely XX/XX/XXXX. On XX/XX/XXXX I made the payment. In the evening of that same date, I received an email from Exxon Mobil. It stated, " Our decision to decrease your credit limit was primarily based on recent delinquency on your account. '' My recent delinquency was due to the XXXX XXXX. They also stated, " Our credit decision was based, in whole or in part on information obtained in a report from the following consumer reporting agency : XXXX ''. I'm not sure where they got my report because I have a security freeze on my report for over 15 years. They go on to say, " As of XX/XX/2020 your credit score is XXXX. '' How in the world can my credit score be that low when my bank just gave me a loan to purchase a fence in XX/XX/2020? Additionally, as I previously stated my account is frozen. I am being held heavily accountable due to this virus with a company who seems to be lying to me and discriminating against me for reducing my credit amount which has an effect on my credit score. How is this so? I spoke with XXXX from the management team who put me on hold for twenty minutes and then the phone magically disconnected. He never called. I called back and spoke with XXXX, who wanted to argue that Citibank does not discriminate and my credit score is not my Fico score. I guess she thinks I'm XXXX. She had an illogical answer for everything and tried to make it look like I am constantly delinquent by stating you've been delinquent 2 times. One of which is due to the XXXX XXXX. I guess she believes that I purposely went to XXXX, XXXX XXXX XXXX and brought it back to the United States. The bill was due on XX/XX/2020 and it is now XX/XX/2020. This company was in a rush to mark things against me credit wise because I am Elderly and am an XXXX  female.
Complaint sub-issue: Problem with rewards from credit card

In XX/XX/XXXX I clicked a link on web to apply for Citi AAdvantage Plantum Select Master Card with offer to earn XXXX XXXX XXXX AAdvantage bonus miles after making {$3000.00} in purchases within first 3 months of account opening. ( see printout of ad that I clicked attached ) Account was approved XX/XX/XXXX and I activated card on XX/XX/XXXX. By early XXXX I had spent MORE THAN the {$3000.00} requirement for Bonus Reward No bonus miles appeared on XXXX Statement. No bonus miles appeared on XXXX Statement. I placed a phone call and I was told to be patient because it could take up to 3-months for the bonus miles to be issued. In XXXX still no bonus miles. I called again on XX/XX/XXXX and filed complaint. I was now told that I was not eligible for the bonus offer because I had opened or closed another Citi AAdvantage card in the past 24 months.
I replied that I had not opened or closed any account and I was told that they would investigate.
On XXXX XXXX I received the attached letter again stating that I had opened or closed a similar account. I called on XX/XX/XXXX and spoke with XXXX who confirmed dispute. I told her that I DID NOT OPEN OR CLOSE ANOTHER CITI AADVANTAGE ACCOUNT IN THE LAST 24 MONTHS. I told her that they must tell me specifically what account they are referring to because I have no such record. She escalated my dispute. On XX/XX/XXXX I received another letter from Citi AAdvantage NOW CONFIRMING WHAT I HAD BEEN TELLING THEM ALL ALONG " WE HAVE NO RECORD OF ANY XXXX XXXX  ACCOUNTS CLOSED IN THE PAST 24 MONTHS ''.
Horray! So I waited till next statement for my miles and STILL NO BONUS MILES. On XX/XX/XXXX I called them again and I spoke to XXXX. Now I am being told that my Bronze AAdvantage card is causing confusion on the miles posting. I do have an existing Bronze card but that would not disqualify me from the bonus offer because it was not opened or closed in the last 24 months. ( this was also confirmed during previous conversations with customer service ). XXXX filed another dispute. On XX/XX/XXXX I now get another letter from Citi AAdvantage. NOW THEY SAY THE OFFER I RECEIVED WAS FOR A LIMITED TIME AND THE EXPIRATION DATE CAN NOT BE EXTENDED. This is crazy!!!!! While I have been trying to resolve this issue for the last 5 months the offer has expired. And even though they admit that I should not have been disqualified from receiving the bonus now I can not get the bonus because the offer expired????? I called again on XX/XX/XXXX and spoke with XXXX who told me there is nothing further she can do for me. Bottom line here is that I was qualified for the offer. I made the required purchases within the time window, but due to the Bank 's inaccurate records and mis-information I was given over the last 5 months and the time it took to patiently wait for the promised bonus and then dispute non-receipt of such bonus they can not give me my bonus because the offer expired???? I would like resolution of this matter. I followed the required actions for bonus miles. Citi XXXX up. Citi should honor their offer. Thank you.
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.
Complaint sub-issue: Reinserted previously deleted info

I did dispute this nonsense withe equifax no respond from this XXXX, they reinserted deleted items on my report I did send them letter to explain too me why did you reinserted deleted item I even talk to them on the phone, they r very nasty they toll me we never report them, wow I see them on my credit report then I toll them here is the amount and dates when they ware deleted, here cfpb I give you amounts and dates when they deleted, XXXX XXXX was deleted XXXX dollars. Another XXXX was deleted on XXXX XXXX amount XXXX dollars, now after a year they did reinserted back on credit file this collection account they delete, XXXX XXXX XXXX, I contact both wats going on no respond from them they blame each other, by the law when they delete accounts from file they ca n't pout them back I blame both equifax and XXXX XXXX XXXX, more I blame equifax for reinserting deleted items
Complaint sub-issue: Account status incorrect

My request for the correction and removable of the erroneous information on my accounts has been diligently neglected by Equifax. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the information that are still reporting on my account : PREVIOUS ADDRESS : XXXX XXXX XXXX LOT XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX  XXXX, GA XXXX Collection Original Creditor XXXX Balance : {$230.00} Inquiries XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 30 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person
Complaint sub-issue: Debt is not yours

This company is in violation of multiple FDCPA laws. I have sent a validation debt letter and also a cease and desist letter over 45 days ago to this company, I have not seen this inaccurate information removed from my credit report. I demand this company to stop reporting inaccurate and unverifiable information immediately and to cease all forms of communication with me through any and all mediums.
Complaint sub-issue: Reporting company used your report improperly

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. 

Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed.
Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. 

The company set up a website, XXXX, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. I used this site and was prompted with the message, " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
Complaint sub-issue: Denied request to lower payments

I've received 21 phone calls, just in XXXX from PNC Bank. They never leave a voicemail but their name shows up on caller ID. I've tried twice, once on XX/XX/XXXX and once on XX/XX/XXXX to speak with them regarding the debt I owe. I wanted to arrange a payment plan and discuss my financial hardship, and both times the representatives refused to submit any requests unless I set up an auto withdrawal plan.
Complaint sub-issue: Problem lowering your monthly payments

I have been recently diagnosed with XXXX XXXX, I called XXXX XXXX customer service explaining to them that I will have XXXX and XXXX. I asked if there was anyway if we can lower my payments, since my cosigner is already paying all the household bills. I asked to speak with a manager when customer service said they couldn't help me, they then replied that they couldn't find a manager on hand and that I will receive a call. I still haven't received a call from anyone. I cried twice, first when I was diagnosed and when XXXX XXXX said they couldn't do anything for me.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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: Information is not mine

Do n't know what this debt is They are reporting this as a open end account with XXXX late payments XXXX disputed over phone on XXXX/XXXX/15 dispute # XXXX They said the dispute would be taken care of by end of XXXX It was not Wrote letter dated XXXX/XXXX/15 and they then entered another dispute with the dispute number ( even though this is concerning the same dispute ) XXXX. I requested by letter and XXXX by phone that they send me in writing who the creditor is and they have ignored all my request The emails they are sending me are going into my spam folder so I do not open them So now it is going on 2 months and it continues to report more late payments I have not been contacted by any creditor concerning this item I thought by law they had 30 days to let me know what this debt is and if not, they have to remove it I have been denied credit because of this I would appreciate any help on this because they are just letting this drag on
Complaint sub-issue: Old information reappears or never goes away

Hello I am doing this complaint because I have old accounts and collections and the companies are constantly illegally reaging the accounts I've had no contact with them directly and no reason for them to keep free aging the accounts on top of that they are constantly reporting late payment history on the accounts further damaging my credit history I am legally XXXX I don't make much money and these accounts are severely hurting my opportunities to be able to rent or purchase a decent home for my child to have a happy life if you guys can please help me with this it will be greatly appreciated because he's collection companies now and days don't care how badly they ruin your life I was a victim of identity theft and that hurt me quite a bit as far as my credit history goes and it's been very difficult to fix the problem on my own because I do not have funds to pay somebody for credit repair
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/XXXX, I learned that a company called Credit Collection Bureau had filed a negative report with XXXX  and XXXX  claiming that I owed a debt of {$1300.00}, opened on XX/XX/XXXX. On XX/XX/XXXX, I sent a certified letter to Credit Collection Bureau asking them to verify or validate the debt because I do not owe them any money. The XXXX  report said the original debt allegedly was in the amount of {$920.00} and allegedly owed to XXXX XXXX XXXX. Through talking to a XXXX  representative, I learned that this debt actually originated in XX/XX/XXXX, not XX/XX/XXXX. I have never been contacted by XXXX XXXX XXXX or Credit Collection Bureau about owing a debt and therefore these companies never advised me of my right to dispute the debt. I do not owe XXXX XXXX XXXX any money from any services provided in XXXX. All money owed to them was paid by me at the point of service or by my insurance carrier. I also sent a certified letter to XXXX XXXX XXXX requesting information about the billing they claim I owed and the dental office has not responded to my letter. I believe this debt was added to my credit history to attempt to collect on a debt that I do not owe. Further, even if this was an actual bill of mine, they are attempting to collect on zombie debt. I have no way to prove that I do not owe this money when neither company has provided an actual bill for services that I can then investigate further. If the Credit Collection Bureau will not respond so that I can validate the debt, then I want them to remove their negative report from my credit history.
Complaint sub-issue: Didn't receive advertised or promotional terms

I responded to an ad on pages in my profile of XXXX XXXX offering XXXX  miles after opening a new account and spending a certain amount. 

I was approved, met the qualifications but did not get the miles ; and, when I called about it, I was told that I was not eligible since I had had a mileage credit card less than 2 years ago. 

I pointed out : The ad was on my profile pages of XXXX. 
There was no mention of this requirement in any of the pages of the offer on the website- I have printed and kept every page. 
I was not told when my application was accepted that I was not eligible for the mileage offer. 
I was not told I was not eligible for the miles in the literature I got with the card. 

I believe this is false advertising I told them on the phone and they said they would investigate. I got a letter in the mail restating that I was not eligible. I sent them a return letter on XX/XX/XXXX ( attached ) restating why I thought their advertising was misleading and that they should award me the XXXX  miles. 

No response