Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/XXXX at approx XXXX, I tried to used my PNC debit card to withdraw {$450.00} from XXXX XXXX thru XXXX XXXX ATM XXXX at XXXX XXXX XXXX, XXXX XXXX NJ, XXXX. 

When I finally submitted the amount I wanted to withdraw the ATM acted as though it wanted to dispurse my funds, but the tray feed never opened and no funds were dispersed. The ATM counted down XXXX seconds I believe to alert me to take cash or it would cancel transaction. As there was no cash to take the time went to zero and my transaction was canceled. I went to put the debit card in ATM again but was told I was unable to process any transaction at that time. 

I checked my bank account and {$450.00} was taken from my account. {$450.00} for the expected cash that was never received, and {$3.00} for the ATM transaction fee. 

I first contacted PNC Bank Customer Service to log my complaint and was told that I needed to speak to XXXX XXXX in order to fix the matter. 

I proceeded to contact XXXX XXXX and they told me that I needed to contact PNC for the matter to file a dispute. 

I contacted PNC again to begin the dispute process which had a reference number of # XXXX. 

{$450.00} was credited to the account until the dispute was resolved. 

XXXX I received notice that the dispute investigation was completed and that there was no wrong doing in the ATM and that the total of {$450.00} would be taken back. 

I contacted PNC again to dispute this further with new ref # XXXX and to receive the documentation they used in their judgment for the initial dispute. 

On XX/XX/XXXX I received another notification that the 2nd investigation was complete for the same reasons. But have failed to receive the documentation requested used in said investigation. 

I will dispute this until judgment is found in my favor as {$450.00} was taken from me and at no point did I ever receive. 

I have tried to contact XXXX XXXX again and ask for additional help as they are the owners and operators of the ATM vestibule but they refuse to help me in the matter and direct me again to PNC.
Complaint sub-issue: Public record

On XXXX 2011 my wife and I sold our Florida apartment through a short sale with the XXXX. Although this was clearly a short sale, this transaction was reported to the credit bureaus by this Bank ( XXXX ) as a foreclosures. I 'm still paying the note to the bank for the difference of the sale price and the original mortgage note amount due. 
Ever since then my credit has been compromised and ruined because of this false reporting by this bank. Every time the need for a loan or any other credit check is needed on my behalf this foreclosure pops up scaring lenders away. This has been appalling, has been a disaster and continues to be a disaster.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}
Complaint sub-issue: Information belongs to someone else

XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX CREDIT XXXX BANK Account Number XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX A XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

I sent a dispute letter asking this company to validate this debt they say I owe on XX/XX/2018. They received the dispute letter XX/XX/2018 at XXXX. In the letter it states the following : Pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act : If the consumer notifies the debt collector in writing within the 30-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer  requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 

After they received my dispute letter they flagged my credit report again as a collection account. In states that all collection activity is to cease until they validate this account and proof it is mine. They did not abide by the law. 

Please pay attention to all the dates on my attachments.
Complaint sub-issue: Their investigation did not fix an error on your report

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... 
I have already disputed these items with the bureaus, but they did not remove them, nor prove validation. 
Under Sec. 602 " I have a right to privacy '' XXXX  Account # XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, XXXX, and nelnet is reporting inaccurate student loans on my credit profile. I have addressed this issue with them on numerous of occasions and they are refusing to resolve this isssue. This matter is causing my credit to plummet and I am being denying for everything Im applying because of XXXX and XXXX inaccurate reporting. Below I have attached proof that XXXX and XXXX are reporting inaccuracies across the board on serval student loan accounts. XXXX, XXXX, and Nelnet is also reporting. XXXX and XXXX are reporting different account status, date opened, last reported, comments, and date last active on all the student loan accounts in question. There is also a duplicate account for each student loan account, the duplicate accounts are reporting a different high limit under the same account number. The XXXX credit bureaus are falsely claiming the accounts meets FCRA guidelines but they clearly DO NOT. FCRA website states that all information on accounts must be the same across the board and must meet FCRA guidelines. XXXX has atleast deleted these inaccuracies and XXXX and XXXX must follow suit. I am asking for reputations of {$1000.00} dollars for this violation of my consumer rights. I have attached proof of all accounts and every inaccuracy that the bureaus are reporting.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX, EQUIFAX, and XXXX is reporting Multiple XXXX/ XXXX XXXX  accounts on my credit report it infringement upon a consumers rights to privacy pursuant 15 USC 1692
Complaint sub-issue: Funds not handled or disbursed as instructed

First Tennes see Bank allowed their employees to take a deduction when I withdraw funds.  In  XX/XX/XXXX  I made a withdrawal in the amount of $  XXXX .Someone withdrew the same amount on  XX/XX/XXXX . I made my withdrawal on   XX/XX/XXXX .  On  XX/XX/XXXX  the bank shows the withdrawal as being misc debit. I ap plied for health care with  XXXX   XXXX   XXXX   XXXX  it was taken from me. Others are using this health care. I paid for  XXXX   XXXX  it was taken from me. Everything I apply for is taken.
Complaint sub-issue: Account status incorrect

I have an account that I had in collections in XXXX, which was paid in full and closed. It was reported at that time by the collection company XXXX XXXX   XXXX as paid in full with a XXXX balance, and that was reflected on my credit reports. 

In XXXX of XXXX the account suddenly reappeared on my Equifax report, displayed as Open. The account still shows as having a XXXX  balance and as paid in full, and reflects the date of my last payment, but for some reason the status is still Open in Collections, according to Equifax. I have disputed this problem at least five times now.

I have tried calling Equifax multiple times. I have been escalated to a supervisor, and then escalated to a manager. I have been lied to, been run around, and hung up on. I have contacted the Collection Agency and they verified that the account had been reported paid in full and closed for years, and have no idea why it has popped up in Equifax. 

I have had my physical Equifax Reports mailed to me to verify the account status is showing open still. 

I have received a letter from the original creditor AND the collections Agency verifying that the account should be shadowing as CLOSED and paid in full with a XXXX balance and both faxed and mailed all said documents to Equifax. 

Equifax refuses to take the simple action to display the states of this item as closed. Thats all I want. Both XXXX and XXXX  have the account reflecting the correct status of closed and paid in full. How can Equifax refuse to change the status from open when they know it has been paid in full, shows as a XXXX balance, and even have the date of my last payment?! 

The letter I have from the Collections Agency even uses the actual word, closed. 

Its infuriating. Im ready to file suit.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On today XX/XX/2021 I received alerts on hard pulls on my credit report. I called the companies that were shown and was advised that they received information from a company called XXXX XXXX and spoke with a guy named XXXX and told him I did not authorize any hard credit pulls at all on my credit. The website completely stated input last XXXX digits of social security number to look at rates. I have there was no permission given for this company to send my credit information out to run my credit at all. I have stated only the last 4 of my social security number was input and I would like to know how they received the rest of my information. I applied for credit with them years ago and I feel this company has fraudulently kept my information on file and used it improperly which is a violation of my consumer rights. I did not apply for credit with this company I was only looking at rates per the website. I have asked for them to remove this fraudulent inquiry and they have said they will only do what they can do. Spoke with XXXX XXXX says she is a supervisor and still did not agree to remove this fraudulent inquiry as well. I have spoken with two people in this company and advised that I did not request credit. When asked how did this company obtain my complete social security number both reps replied they do not know. This company is committing fraudulent activities by inputting hard inquiry pulls on my credit which in return caused my credit score to drop immediately. Now this same company while on the phone is trying to offer credit repair. I keep stating the same thing to remove these fraudulent inquiries that they have placed on my credit and they advised that they can not do it.
Complaint sub-issue: Account information incorrect

In response to a denial of an extension of credit I checked with one or more consumer reporting agencies and detected inaccurate information being furnished to your company by XXXX. XXXX indicates that the information being furnished to your company is invalid. Your company is required to perform an investigation with regard to the accuracy of the information being furnished to it, and if found to be inaccurate is required by law to remove it.
Complaint sub-issue: Debt is not mine

Im currently in the middle of purchasing a home so Im watching my credit closely XX/XX/XXXX I get a collection account posted to my credit report from a company called ERC in reference to XXXX. I immediately notified the credit bureau to look into this matter because I have n't had any business with XXXX or ERC no phone call or mail stating I owe anything. The credit bureau did there investigations and deleted it from my file. It is now XX/XX/XXXX and I check my report and there 's another collection from the same company this time saying XXXX again in which I never even had business with XXXX or ERC this company is damaging my credit with false information. To my knowledge in the past if you owed an account the creditor will call and send you letters in this case I just been getting false information slammed on my credit with no phone call no mail giving me 30 days to validate the alleged debt.
Complaint sub-issue: Debt is not yours

I received a letter on XX/XX/2020 from I.C. System, Inc claiming to collect a debt of {$67.00} from XXXX XXXX XXXX that does not exist. I have contacted XXXX XXXX XXXX and they have confirmed that a XXXX  balance exists. I would like I.C. System to stop harassing me over a debt that does not exist.
Complaint sub-issue: Public record information inaccurate

I have been trying to have Equifax remove a consumer dispute from my bankruptcy for over a month now. 
Every time I call they tell me they have taken care of it. 
It is currently still on my report. 
I've been trying to refinance my house for over a month and this is the only thing holding my loan up. 
Now this has cost me money. 
They keep telling me it's resolved, but even today it is not. 
The dispute is still there and I can not close my loan. 
Please help
Complaint sub-issue: Information belongs to someone else

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$910.00} ; XXXX XX/XX/2021.
Complaint sub-issue: Account information incorrect

I started a credit building service with MoneyLion. They put {$1000.00} into a reserve fund and I never received the money. I was told that I would make increment payments towards the balance at {$22.00} a week plus {$4.00} service fee a month. After approximately 5 installments paid, I informed them that I no longer wanted the credit building or Money Plus line. To date they have not contacted me or allowed me to close the account, however, on XX/XX/XXXX my credit score on all 3 bureaus dropped XXXX points because of a derogatory remark from MoneyLion ( please see below ). I do not owe them the money because I never received it. I do not want their services, but they refuse to help me cancel my account. 

MONEYLION INC has flagged your account as 30 Days Past Due on XX/XX/2022. 

Source : XXXX XXXX : MONEYLION INC Address : XXXX XXXX XXXX, XXXX, UT XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( 30 Days Delinquent ) Balance Date : XX/XX/2022 Balance : {$900.00} What now? 

Negative activity can have a significant impact on your credit score and how lenders see you as a borrower, affecting your ability to get credit. 

After you've resolved the negative activity, try XXXX XXXX to raise your XXXX  Score.
Complaint sub-issue: Account status incorrect

I was in forbearance and my bank loan care agreed on the forbearance terms. Once I was out of hardship I started making payments. My mortgage company loan care report missed payments to credit bureau which dropped my credit score from XXXX to XXXX. They return last payment and report missed payment. I have called the mortgage company numerous time but there has been no resolution yet. This is going one for almost a month and when ever I call I have been told they are busy and they have a lot of customer like me and it happen because of pressure from investors. I dont know if they are trying to get government fund by showing some numbers or what but as individual I have been devastated by this with no resolution in sight.
Complaint sub-issue: Problem with statement of dispute

I have repeatedly disputed account information with Equifax and they have never shown me any verifying information to confirm account status. Online collections account is reporting negatively on my credit file.
Complaint sub-issue: Banking errors

I have been a customer of Citibank for years. I have several credit cards and a checking account. Due to having a credit card first/prior I regularly receive promotions to open up bank accounts for cash bonuses with Citi ( I do not recall whether I utilized a provided link from my online banking with them, from an email from them or a website link/offer on their site ( we would have to ask them ). In early 2022, I took advantage of one of their offers and deposited {$15000.00} into a checking account. I opened up the account online. I did not receive any confirmation email or letter of my coming bonus, so several months after opening the account, I called Citi and confirmed verbally and on a recorded line ( Im sure ), that : 1 ) I had completed the required steps to receive the {$300.00} bonus 2 ) That my {$300.00} bonus would be deposited into my account at the end me of XX/XX/2022 ( My account is still open with exactly $ XXXX sitting in it ). 
I gave it some some time after not receiving anything in XXXX, and I believe I started reaching out toward the end of XXXX. I have now spent hours ( my estimate is about 7 hours ), either on hold or speaking with representatives and supervisors. I have made many calls at different times. I have often been disconnected after being placed on hold ( it seems like they hang up on you purposefully because they dont want to deal with you ). They have NO record of me ever getting a bonus and are asking my for proof, which they did not provide. I have had $ XXXX sitting in a non interest bearing checking account for 7 months ( which I took from an interest bearing savings elsewhere ), and so I am now out the {$300.00} that Citi is cheating me out of and I lost out in 7 months of interest in a high yield savings account with XXXX. I feel cheated and disrespected. I called a branch last week and left a detailed message with an employee and was told I would get a call back that day or the next by a banker that could help. I never heard back, please help!
Complaint sub-issue: Information belongs to someone else

In XX/XX/XXXX, I found out that Equifax Credit Bureau had my deceased former husbands debt on my credit. A loan or a credit card I never heard of owing about {$4500.00}. About $ XXXX XXXX added on by now. We separated XX/XX/XXXX when a XXXX signed an XXXX. The debt from that time to his death XX/XX/XXXX is not mine. I called Equifax on XX/XX/XXXX and filed a complaint over the phone. I faxed over a copy of my Drivers License, SS card, and his Death Certificate and a hand written complaint to a number I was told. I called back XXXX XXXX to see if his debt was off my credit report. Equifax said I never called and complained and never received my fax. The fax number I was given was wrong, so I faxed the XXXX copies and complaint to a different number. A few wks later, I called and was told they do not receive faxes due to privacy reasons, only accepts mail. Then, I mailed out the copies. I called back a wk later, I was told no mail from me. Representative said call back 10 days later, I did. Equifax still had no record of any complaints from me all this time. No faxes or mail from me. 
XX/XX/XXXX, I sent a letter to the office of XXXX XXXX. 
Now Im here
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX 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: Threatened or suggested your credit would be damaged

I sent a cease & desist letter to Nair & Levin P.C. and want to report it to the CFPB as well so that there is a visible record online. I do owe XXXX XXXX XXXX file # XXXX {$350.00} in which this week I will start making payments toward that amount due. There was a simple mix up in my health insurance coverage and I did not realize that there is in fact the outstanding {$350.00} due. However, Nair & Levin are not the original creditor and I do not wish to work with them in any capacity. I am publicly requesting that they cease & desist from all related matters concerning this debt. This includes any reporting that Nair & Levin may have done to the 3 majors credit bureaus XXXX, XXXX, and XXXX. If they have done any reporting I want it removed by them a/s/a/p. I have every intention of paying XXXX XXXX XXXX {$350.00}