Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem making or receiving payments

yet another bank account blocking my funds for no reason. On XX/XX/XXXX i recieved my tax refund to my Citibank account. well there was some unauthorized transaction for a XXXX dollars on my account, I called CITIBANK to stop payment on that check. well the bank that the check was deposited to refunded me the money so i figure everything was good, well on the XXXX of XXXX i tried to acess my acount but it was blocked. i called CITIBANK again to figure out what happened. they told me they couldnt verify my account.. they used the word unfortunately so much that im starting to wonder why i opened this account. now after my lights got cut off and my landlord harrassing me about the rent, they still didnt resolve the problem. XXXX comes around now mind you im still trying to get this block off but they would unblock it long enough for me to get some money off of.. okay monthly charges are XXXX dollars a month they can acess their money but cant let me into my account.. thats not right. when the new card finally came i got to use it maybe 3 times before they blocked it again. talking about an alert on the account. i called when some of my purchases were declined but i have XXXX dollars in my acount ... now they know i just recieved that card and everytjhing i needed to pay buy or send i was doing until they blocked my card again.. they wont let me transfer the rest of my money out of that account. i have been warned at work for being on the phone with CITIBANK holding for aleast 1 hour for them to tell me UNFORTUNATELY ... its been so stressful my XXXX XXXX is up.. i cant buy food or send my kids to daycare because i cant buy food. im so upset right now.. this just cant be happing again.. please help.
Complaint sub-issue: Debt was paid

This matter has been resolved as of XXXX 2015.
Complaint sub-issue: Other problem getting your report or credit score

On XXXX mortgage lender tried to pull my Equifax credit report and score. They were unsuccessful. On XX/XX/2019, XXXX XXXX and I attempted to resolve the issue with Equifax but was unsuccessful. I was informed that there were no issues. On XX/XX/2019, I called 3 times and spoken with 2 reps and 1 supervisor and they claim that there are no locks, blocks or freezes on my file, but yet I can not pull my report and score with XXXX, XXXX  ( their 3 bureau service ) nor Equifax and XXXX XXXX nor my lender has still not received my score and report. In fact, I can not even log into my Equifax online account. Something has to give. This is ridiculous!
Complaint sub-issue: Banking errors

This involves a banking issue with a checking account with the following bank : PNC Bank National Association ( Routing Number : XXXX ) XXXX XXXX XXXX XXXX, XXXX, PA XXXX, XXXX ( XXXX ) XXXX Check forgery/fraud incident not resolved after 8 months ; funds fraudulently withdrawn ( stolen ) from account have not been reimbursed. I am filing this complaint on behalf of my XXXX old mother. Her statement is below : I have banked with PNC over 25 years, and it was not until XX/XX/XXXX that I experienced check fraud. Checks written out to pay various service providers had been intercepted in the mail, forged and cashed. This happened three separate times - XX/XX/XXXX, XX/XX/XXXX and then again in XX/XX/XXXX. The first time it occurred, PNC opened an investigation and promptly refunded the amount fraudulently withdrawn from my account. The second time, PNC investigated and quickly refunded the account. When it happened the second time I went ahead and placed a stop payment on all of the checks that were mailed out at the same time. However even though I put a stop payment on the checks, there was a third incident involving a check I requested to stop payment on a check that was written in an amount less than {$100.00}. The forger changed the amount to {$850.00}. A new investigation was open ; however, PNC has not refunded my account for that stolen {$850.00}. Apparently, there is an ongoing dispute with XXXX Bank to get the money back and that is what's holding up the reimbursement to my account. It has been more than 8 months with no movement or resolution. Meanwhile, adding insult to injury, PNC Bank started charging insufficient funds fees to my compromised account, even though the bank was aware that my money had been transferred out to another new checking account while investigation underway. I have contacted the branch manager multiple times as she has helped with documenting the previous investigations. She has continued to state that the investigation is ongoing. I escalated multiple times within PNC just to get no response or the run-around. PNC refuses to reimburse the lost funds until XXXX XXXX ( the bank which cashed the fraudulent check ) finishes their investigation ( no timetable ). It has been far too long, and I should not have to continue to endure this inconvenience. I am XXXX XXXX XXXX and need my money. Being out of {$850.00} for this many months is a complete hardship for a person on a fixed income. 
I am submitting this complaint with the hope that the CFPB can influence PNC and XXXX Banks to resolve this matter before years-end with reimbursement to my account and prosecution of the forger. 
Thank you.
Complaint sub-issue: Investigation took more than 30 days

On XXXX XXXX I sent a letter to the company requesting several late payments reporting to my credit to be updated and corrected as well as several inaccurate accounts to be deleted. It has been well over 30 days and I have not received an update regarding this information. Also, I am still showing these accounts being reported to my credit file.
Complaint sub-issue: Used obscene, profane, or other abusive language

XXXX XXXX called me on XX/XX/19 at XXXX from XXXX. He left a voicemail for me to call another number and that they were going to serve me at my home or job if I didn't call them back to resolve this issue. When I called the number back he stated I owed a " XXXX XXXX '' a debt for an online loan. I advised him I don't know nor ever heard of that company so while he was talking I XXXX searched and found a lot of scam type responses. He became to get upset and tell me that if I did the same for XXXX I would find the same. He got even more upset when I said that is not true, as when I do XXXX their website and other things come up. He began to then shout at me was I going to listen to him or just go on about search results. I advised him that all I ask is that you send it to me in writing to validate and once that is done we can go from there. He got even more upset and started stating that they have sent it to me and it comes back undeliverable. I stated well it sound like you guys may not have the right person and wanting me to pay for something I don't have in writing is crazy. As I was stating that he started shouting " oh my XXXX '' and " are you going to listen ''. Because I continued to talk he said " good bye sir '' and hung up. All I want is something in writing so I can further investigate and if it is determined this is something I owe then I will settle.
Complaint sub-issue: Company closed your account

In XXXX of XXXX I fell and XXXX XXXX. I was a XXXX contract employee and could not get XXXX. I had a hard time working and even needed XXXX. I unfortunately fell on hard fiscal times and missed several payments on multiple credit cards. 
I spoke with Discover in XX/XX/XXXX. I had missed several payments and was over my {$5000.00} limit. 
I was given 2 options as to what I could do about my missed payments. Option 1 was close my account and enter in to a low interest payment program for the term of the repayment. The 2nd option was I go in to a repayment program and after 12 months, I was told I would get my card back. I even asked if I make all my payments for 12 months would I get my card back and was told I would. 
In XX/XX/XXXX after making every single payment on time I wasn't given my card back. I called Discover and was told that they would have to do a review to get my card back. I wasnt told this in XXXX of XXXX. I was also taken out of the repayment program and my interest fees were doubled as was my minimum monthly payment. ( From {$75.00} to {$150.00} ). Even with this hardship of double the amount of my payments I still made my payments every month. This added {$75.00} additional payment lead to many hardships for me. There were months were I couldnt even buy food. I still held up my end of the deal and made every payment. 


In XXXX of XXXX I began to try to repay all of my debt. By XXXX of XXXX I paid down most of my debt, including Discover. 
On XX/XX/XXXX I received an email that my discover card was being closed. Even though I did all they had asked of me. If I wasn't lied to in XXXX I would have taken the option to close my card then and taken the other program with lower interest for the entire program. 
Discover 's dishonest tactics ended up causing significant hardships as well as over {$1000.00} in additional fees.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have tried to call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX several times to an inquiry that remains on my credit. I never authorized this company to see my or pull my credit for any reason.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

Represented themselves as lawyers to me on the phone. Continued to call after being asked to stop communicating by phone with me.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX was removed and put back on ftc violatons
Complaint sub-issue: Account status incorrect

US DEPT OF EDUCATION ACCOUNT # XXXX Is incorrectly reporting as a collection. 

XX/XX/XXXX I started a rehabilitation program with XXXX XXXX and completed the program XX/XX/XXXX. I was told that my account will show in good standing after completion of the program. It has now been 6 months and I have been denied from buying a home because of this issue which is wrong. Every month should show up as " XXXX XXXX '' since XXXX of XXXX. 

Not to mention, According to the CARES ACT and President Bidens extension of student loan payments, those who were in default are not obligated to pay until XXXX of XXXX. So why is this affecting my credit report?
Complaint sub-issue: Public record information inaccurate

I have filed disputes with all three credit agencies to have this tax lien removed from my public records. They all responded and said that it was updated to satisfied but will continue to remain on my credit report. I have the expungement letter. According to my research when I have this letter it is supposed to be removed COMPLETELY.
Complaint sub-issue: Reporting company used your report improperly

In accordance with The Fair Credit Reporting Act the list of the following accounts are violating my federally protected rights to privacy and confidentiality. Also, the FCRA clearly states everything on my credit report must be 100 % accurate, after viewing my report these accounts also have multiple inaccuracies. 

1. ) XXXX  - ACCOUNT # XXXX, ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 2. ) XXXX - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 3. ) XXXX XXXX - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 4. ) XXXX XXXX - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 5. ) XXXX XXXX - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 6. ) XXXX XXXX - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 7. ) XXXX REV - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 8. ) UNKNOWN - ACCOUNT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States my right to privacy 15 U.S.C 1681 SECTION 604 Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681s-2 ( A ) ( 1 ) : states a person shall not furnish any information relating to a consumer to any consumer reporting agency if that person knows or has reasonable cause to believe the information is inaccurate.
Complaint sub-issue: Debt was paid

These people have now sent me a letter with an attachment that shows that the debt was written off by the creditor so why do they keep contacting me? In addition, I asked for proof that they billed the insurance company and this does n't show that. It shows no insurance response. That is not my fault they did n't bill the insurance company when they had my insurance information. Do I really have to obtain and attorney about this???? I contacted the insurance company and they stated they have NO records of XXXX XXXX every billing them and that my insurance was in order! STOP contacting and harassing me about a bill that was never submitted to the insurance company. I have health issues and you are not making them any better! You keep XXXX.
Complaint sub-issue: Information belongs to someone else

The mortgage in question was part of a divorce settlement. Which the home was guarantor to my x-wife XXXX XXXX XXXX in the year of 2002. Since, I have spoken with XXXX XXXX about the responsibility of this mortgage no longer being my debit. I have presented my legal documentation from the divorce decree and to no avail this mortgage is still showing on my credit report. This has cause major issues for me whenever I am faced with trying to make major purchases. However ; when it is being reported to all credit bureaus it appears that, I am still held responsible. My name no longer appears on the mortgage, but it still is affecting my credit reporting. The credit reports are showing conflicting reporting. One report shows the account as a open ... .another reports the account as being closed.
Complaint sub-issue: Account information incorrect

I first informed the 3 major credit bureau that businesses has been adding hard inquiries to all of my reports. I hadnt attempted any credit or business from the particular companies in question.
Complaint sub-issue: Problem using a debit or ATM card

XXXX XXXX, XXXX. The following occurred : XXXX transactions made on XX/XX/XXXX Posted XX/XX/XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Debit Card XXXX XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXX RE : Police report XXXX Date : XX/XX/XXXX My caregiver placed this low-income XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pushed my wheelchair into the bedroom, went into the kitchen and while I assumed she was preparing my lunch, grabbed my cell phone and began sending unauthorized XXXX  transactions to herself. 
After a while, I began calling her name. After my third cry, I realized she was no longer in the apartment. Then I crawled to my wheelchair and rolled into the kitchen where I noticed that my keys were gone. Thats when I realized that something was wrong. Then I went to my desk and saw that my XXXX XXXX phone was not where I had left it. My black bag in which I kept my IDs, bank cards, Medicaid, insurance cards, and medical papers was still there. 
When I looked inside, I saw that my SS card, IL state ID, Citi debit card, and credit cards were missing. 
It was the worst day of my life. And now Citi is telling me this never happened and is holding me accountable for the missing funds. Citi has applied provisional credit for the ATM withdrawals, ( XXXX, but I received a letter stating this will be withdrawn. Citi has not applied the {$1700.00} provisional credit for the XXXX thefts as I was told they would, and now I can not pay my rent and may soon be evicted.
Complaint sub-issue: Their investigation did not fix an error on your report

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Complaint sub-issue: Threatened to sue on too old debt

i told discover card years ago that i couldnt pay their high payments anymore on social security. they pursued took me to court XXXX/XXXX/XXXXi called XXXX when i got court papers and they said just go alone as on ss with credit card dont have pay. so i replied to court with the fact i couldnt pay debt but court went against me and slapped public judgement on my credit report that just came up. i dont have funds pay {$4600.00}. been waiting out 3yr term from former foreclosure to buy house XX/XX/XXXX but this puts Big dent hindering that. how can you HELP?
Complaint sub-issue: Account status incorrect

Hello, MyGreatLakes has noted my account as in FORBEARANCE. I have made all of my payments including additional payments. My credit score has dropped 20 points as a result of " deferred payments notation '' that I did not request. I have reached out to them to remove this immediately with no response. I Have made 2 payments of {$500.00} in a matter of one month instead of one {$100.00} payment to show I do not want any assistance. As a result of their incorrect Remark on my credit report, my credit score dropped by 20 points or so. I need this fixed asap because this is causing damages to my potential loan options for future purchases. I need this repair asap. This is an illegal practice. I have a contract with the bank and have met all of their stipulations. To dock my score illegally and force me in to a " forbearance '' is false pretense. I need this resolved immediately. Please advise me on future steps I can take. This is causing massive financial damage to my purchasing power / cost to borrow. I need this resolved.
Complaint sub-issue: Reporting company used your report improperly

I believe my identity has been compromised. On XX/XX/2022 I received XXXX Equifax alerts that my credit had been pulled in XXXX car dealerships : XXXXXXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX. On XX/XX/2022 I also received an XXXX alert my credit had pulled at another car dealership : XXXX XXXX XXXX XXXX. I called all three dealers and told them my identity had been compromised. I put credit locks and fraud alerts on all bureaus. I called my local Sheriff 's department and they advised me to come here. I'd asked one of the auto dealerships what information had been given- the person used my old address, had my correct place of employment but incorrect job title, and a phone number that wasn't mine : XXXX. My Sherriff 's department said it was likely a spoof number and could only tell that it was a XXXX number.
Complaint sub-issue: Debt is not yours

I have contacted this company numerous times and the credit bureaus to alert them that someone is using my address and information. There is an address in Florida on my credit report AND a collections account in Florida. Im elderly and a I have never lived in Florida. This needs to be removed as soon as possibleXXXX XXXX XXXX XXXX  and I.C. System Incoporated have both reported this fraudulent utility debt. The total is XXXX. The address in my credit report that is also fraud is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. I need the collection and address removed ASAP
Complaint sub-issue: Problem related to refinancing

OnXX/XX/2019, I refinanced my car loan with Ally for a better rate with my bank ( XXXX XXXX XXXX ). A check in the amount of {$11000.00} accompanied the paperwork. The remainder of the loan with XXXX XXXX XXXX. Car loan first payment was due XX/XX/2019. After XX/XX/19 passed, I started getting calls from Ally about when I was going to make the payment. I explained the situation. Then I kept getting harassing phone calls for payment. On XX/XX/19, worried my paperwork and check were lost in the mail, I went back to the bank and wrote another check for the same amount and XXXX XXXX XXXX sent it off overnight. The phone calls kept coming, saying they had not received the paperwork or the check. I tried and tried to call and get someone to help, but the only number available was customer service located in the XXXX. I also tried email, but no help there either. I kept checking my online Ally account ... NOTHING. The calls kept coming. Finally, on XX/XX/XXXX, I noticed the check had been cashed with my bank. The transaction was dated XX/XX/19. I thought everything was resolved. THEN, I noticed Ally had cashed the other check on XX/XX/19 even though my Ally account has said paid in full. I called them ( XXXX again. ) They said they would issue a check in 10 days and mail it to me. This is not acceptable.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX In Accordance To The Fair Credit Reporter Act The Account Listed Has Violated My Rights..15 usc 1681 Sections 8 States I Have The Right To Privacy 15 usc 1681 section 604 A Section 2.I also state a consumer agency can not furnish your account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX, Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX XXXX XXXX Account # XXXX, XXXX, 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 have applied for a XXXX credit card back in XXXX an I havent received my card in the mail as of yet XX/XX/XXXX, I have called numerous times trying to get help they say they will do a dispute for fraud and they havent done so its hard to speak with someone then I do they have to mail me out a letter to verify its me because I dont no my account number only the last four digits but they can call me to ask for a payment what a joke and I no for sure that this XXXX credit card comes already activated and it shouldnt like other credit cards out here now I called 7x and still not getting the help that I need I explained to them I havent made no purchases off this card I live in XXXX nj they have no proof I made these chargers or my Id this company is a fraud and I will like for my bill to be fix and closed Im not paying for no one chargers thats on this account and its a lot of bad reviews regarding this XXXX company ridiculous I shouldnt taken 7 calls to get my dispute in correctly..they supposed to mail me a new card with a new account number I still havent received that yet they dont have too because now I want this account closed!!!