Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem accessing account

XXXX  accounting and my PNC account were working perfectly together. Somehow the link got broken, and I can not get my account reconnected to the accounting software. I have reached out to PNC, and they say there is nothing on their end causing the problem, the accounting software providers say they have issues with PNC. My wife banks with PNC, and her connection with her bank account is still working with no issues. I just want to get automatic downloads of transactions working again, so they don't have to be manually added.
Complaint sub-issue: Debt is not yours

To Whom It May Concern, The reason for my dispute is I C SYSTEMS COLLECTIONS # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I C SYSTEMS COLLECTIONS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) I C SYSTEMS COLLECTIONS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation I C SYSTEMS COLLECTIONS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where I C SYSTEMS COLLECTIONS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report I C SYSTEMS COLLECTIONS has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Complaint sub-issue: Account status incorrect

Titanium Funds # XXXX is reporting an account to my credit that was included in my Chapter XXXX Bankruptcy # XXXX, it is also past the Statute of Limitations in Utah and has no reason to still be on my credit file. I need this account removed immediately as it is in violation of the Fair Credit Reporting Act.
Complaint sub-issue: Unable to open an account

The account was open in 2014. I am not sure who open an account, but it is reported and I am having trouble opening any account. I call the back to see if I had an account with them, but they said they do not have any record of me having an account with them. It report the account was pay in full and it was close for account abuse. 
Also the address they have on file is the address my sister use to resign as a resident not me.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit report act XXXX XXXX # XXXX and # XXXX, have 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 reports a consumer reporting agency can not furnish a account without my consent
Complaint sub-issue: Problem with fees

I received and E-mail from Discover on XX/XX/XXXX at XXXX XXXX   letting me know my card had been declined a charge ( {$64.00} ) for : Payment Protection Services. I at no point have enrolled in this program and the website clearly states that it is completely voluntary. In the last twenty-four months i have been charged roughly {$1200.00}. That is as far back as my statements go. Again, I at no point opted into this program. I called Discover and they said they could only refund me for the past six billing cycles. This is completely criminal. I have discovered charges dating back to XX/XX/XXXX ( {$35.00} ) as their online account only goes back that far. I have been a customer since XXXX and suspect that my charges date back that far. The service costs are {$0.00} for every {$100.00}. This is predatory and unlawful.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act ; 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: Credit inquiries on your report that you don't recognize

This complaint is about Equifax. 
The problem I continue to face with Equifax is the high maintenance and continued effort on my part to ensure accurate reporting reflects on Equifaxs reporting. Equifax is one of three credit reporting agencies that the XXXX People are forced to use and reply on accurate and timely information shared with financial institutions. 
I ran my credit report on XX/XX/2020 as I always do at least once a month since I subscribe to Equifax. I noticed XXXX XXXX XXXX is appearing on my Public Records section of Equifax Credit Report. I did not know who or what business XXXX provides, so I called XXXX to see what this was about. The lady on the phone tell me they are a credit bureau for insurance companies and XXXX provides information to the carriers. why would my carrier call XXXX without calling me first. and I have had life, auto and homeowners insurance with the same company for over 30+ years, and did not apply nor inquiry for any type of insurance. How did this happen. They lady couldnt provide any other relevant information. 
Mostly importantly, why does Equifax post this information on my credit report in the " Public Record '' section of my report. Does this leave a scar on my financial report as being a criminal which I do not have in my entire life. 
Something has to be done with Equifax. I spend many hours trying to keep my credit report in very good standing, and Equifax continues to report falsely reports, and lies about my credit history to keep me from getting financial loans i am a dissatisfied customer of EQUIFAX, and i spend lots of hours trying to dispute many falsely claims on my report.
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown accounts from my report as soon as possible. XXXX XXXX {$12000.00} XXXX XXXXXXXX {$1400.00} XXXX  XXXX {$10000.00} XXXX XXXXXXXX {$470.00}
Complaint sub-issue: Information belongs to someone else

I am disputing all inaccuracies in my credit report with Equifax.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX  XXXX {$2600.00} XXXX  XXXX XXXX {$700.00} XXXX XXXX {$1000.00} XXXX XXXX {$1200.00} XXXX XXXX  XXXX {$350.00} XXXX XXXX XXXX XXXX XXXX {$2400.00}
Complaint sub-issue: Problem during payment process

I have been having difficulty with CitiBank Credit Card Services. My initial credit limit was {$1000.00} and I have been making my minimum payments. On XX/XX/XXXX I made a payment in the amount XXXX and {$60.00}. I made the larger payment because I needed to pay a bill using a credit card. When I checked my balance the following morning my limit had instantly been reduced to {$510.00}. Therefore essentially Citibank took the funds that were paid without any prior notice of wanting to reduce my credit limit or increasing my minimum payment so that the balance could be paid, negotiating a payment arrangement, or just cancelling my cash advance amount. They just took the {$470.00}. They later sent an email on XX/XX/XXXX stating they had reduced my credit limit after the fact that they had already taken the funds. I called on XX/XX/XXXX asking for a reinstatement of my credit line and/or a refund of the payment. The representative stated that he would file a request someone would contact me in 5-7 business days. I heard from no one and called them back on XX/XX/XXXX. Spoke with another supervisor who stated he would " have the request expedited '' I would hear back from someone in 2 business days '' I called a third time XX/XX/XXXX a woman said that there were no responses listed regarding the issue and that she would " send an email to the refund department '' it's been almost a month and nothing has been done. This is a shady and unscrupulous way at attempting to force a consumer to pay off a credit card faster.
Complaint sub-issue: Company closed your account

Today I received a first time notification that my citibank credit card was closed. I've had this account for 33 yrs 7 months and I am not in default with them or any other creditor. I called Citi and they indicated the account was closed for inactivity. I received zero previous notifications from them indicating my account was under review for potential closure. This my oldest credit account and the basis of my credit length. Without this card my credit history shortens by 13 years. I called to complain and the representative indicated they sent me a letter via USPS on XX/XX/XXXX but then closed my account XX/XX/XXXX and then sent me an email on XX/XX/XXXX stating the account is closed. Zero opportunity for me to take any advance action to prevent losing my oldest credit card. The lady and her supervisor both indicated they " could try '' to reinstate my account but to do so would require a hard pull of my credit file. I asked why since I was a customer in good standing on XX/XX/XXXX a hard credit pull was required. They said it's the process. I complained that a hard pull stays on my credit record for 2 years which would cause a lowering of my credit score. I also indicated that since they closed my oldest account without my knowledge that would hit my credit score lowering it even further. I currently have an XXXX score and have been proud to have a score over XXXX for years. Thats about to change dramatically. Both representatives indicated that there was nothing they could do. I asked for the supervisors supervisor to call and she said it would be up to two days for the return call. So the damage is done. Citi will report the card closed. I could take a chance they " might '' reopen the account with a hard credit pull and both actions will lower my score for months if not years to come. I believe citi acted in bad faith by not advising me about their review until after the fact and feel some action needs to be taken against citi to fix my issue and prevent this from happening to anyone else.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Yes I checked my report and notice some inquiries I didn't authorize.. 
1. XXXX XX/XX/XXXX 2. XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX/ XXXX XXXX XX/XX/XXXX 5. XXXX/ XXXX XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX
Complaint sub-issue: Debt was result of identity theft

I didn't apply for a loan with Rise Credit nor spent any of their money. I have reported to them that this a fraudulent account and isn't mines! 

I phoned XXXX Credit Reporting Agents starting XX/XX/XXXX when I received an alert from XXXX that someone applied for an credit card in my name on the above date and letting them know it wasn't me. I was talked to very rude and nasty and was told that anyone has the right to pull my credit report if they pleased to offer me credit. I then stated to the reps that I spoke to after calling 30 yes thirty different times back to back which I called from my cell phone which I can prove with the phone recorders. I told them I am a victim of fraud and they have the police report case # XXXX dated XX/XX/XXXX with the XXXX Police Department and my information was exposed with XXXX  Credit Union and my email address is on Dark Web. I did not apply for an account and who ever has, it fraud and I told them I filed a complaint with the Federal Trade Commission Identity Theft. I was then told by XXXX supervisor 's and reps there was nothing I could do but wait for two years for it to be removed. I replied It wasn't I who tried to get credit and it drop my credit score and that's not fair to me and it was fraud. I continue calling back trying to get help and wasn't able to. All I've received from XXXX was rudeness talk to nasty with no concern nor caring!
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/XXXX. Our accounts were levied by the IRS. It was supposed to held for 21 days per the IRS Code and the letters that Key Bank was served. We resolved the issue on the XXXX and they sent Key Bank the release. We called on the XXXX to see when we can expect the funds to be redeposited from the hold. At that time. They told us that the funds were gone. That they sent them to the IRS already. It was a mistake. Nobody knows where our funds are and nobody knows when we are getting them back. This is roughly 20k. Would love assistance. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

all 3 XXXX Equifax and XXXX delayed by months to update score causing my score to be under there not reporting accurately or timely. Fico score not updating causing a financial hardship in my financial status please help in this situation thanks Also a car that was paid in Full in XX/XX/2020 is coming up as a charge off by XXXX financial i called and they will not remove they say its accurate charge off is incomplete collections vehicle was paid in full. During Covid 2 Companies went out of business closing XXXX  XXXX closing there credit cards although paid in full causing it to reflect on my credit even through hardship paid. I was not at fault they dissolve company it should not reflect on me XXXX XXXX not allowing any late pays or hardships to be over looked charged everything i paid and reported negative on my score XXXX XXXX offering credit card upgrade not explain its a new card and hit in there store on line.
Complaint sub-issue: Company closed your account

I contacted Discover in regards to a " XXXX XXXX '' program, involving the freezing of charging privileges on the account, combined with a lowering of the interest rate to 9.99 %, and automatic payments of {$14.00} per month, paid on the XXXX of the month for a period of XXXX months, or until I was under the credit limit, at which point I was free to be removed from the program upon request and verification. 

Upon requesting removal from the program, I was told ( falsely ) that this was not possible. The argument became quite heated, and it came to the point where I 'd said that we either need to find some remedy, or close the account, and that I would wait for the debt to age out. I eventually began using profanity, and she told me she would terminate the call. I told her to " go XXXX herself '' and she hung up. 

Upon calling back to speak to another representative, I received a notification that an email was received from XXXX. The email said my account had been closed. 

This happened without a proper request for authorization on my part. Me being angry does not constitute a verbal contact, as there is no agreement portion involved, and because of that, it 's also not enforcable, because it 's unlawful. 

I 'm seeking the maximum damages, as this resulted in my losing access to the money that I put into the card before my request ( {$260.00} ). Also, it damaged my credit report because this was a closure of my oldest account. 

They refused to provide a copy of the internal complaint I submitted for " security reasons ''.
Complaint sub-issue: Indicated shouldn't respond to lawsuit

To whom it concerns, I had a credit card XXXX the balanced closed at {$1900.00} XXXX XXXX, XXXX .... Johnson Mark LLC. Picked up the debt. Affidavit of service served XXXX/XXXX/XXXX I did not get served this Affidavit. As a result a judgement was entered with out me knowing XXXX/XXXX/XXXX for {$3900.00} ... XXXX XXXX, XXXX {$2600.00} was stolen out of my account from Johnson Mark LLC. this account was for my VA Benefits from my military XXXX. XXXX the taking out of all my money from my account to the taking my VA Benefits money was wrong and illegal. Then they are saying i still owe {$1900.00} a total of {$4600.00}?? Last for over a year they did not report to the credit bureau 's XXXX that they had stole my VA benefit money/ which caused damage to my credit.
Complaint sub-issue: Deposits and withdrawals

I need Pnc to alow federal grants to be deposted in my account
Complaint sub-issue: Account status incorrect

First this account is not mine. Second, it has been reported different on each credit report. One says open, one says closed, and the payment history is different on all three.

15 U.S.C. Sec. 1681i ( a ( delete if inaccurate ) I have reported this and nothing has been done.

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX  XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and consent.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I have a couple of hard inquiries that I have been trying to have removed. I have tried multiple times. As well as an item on my accounts that is incrrect as well. These items are effecting my chances of getting and building any new credit. These items are incorrect and should no longer be on my reports Inquiries : XXXX  XXXX Account : XXXX XXXX XXXX XXXX Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XXXX XXXX, XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance
Complaint sub-issue: Account information incorrect

The company XXXX issued a report blaming me for an accident that occurred on XX/XX/2021 where I was the victim of a driver who hit my vehicle and fled. This error in the report affects my ability to quote with other insurance companies.
Complaint sub-issue: Information belongs to someone else

My ex fianc had a   XXXX   XXXX   credit card he opened in   XXXX   before I met him.  XXXX   XXXX  has an  XXXX  and   XXXX   XXXX   store account, which are linked. I was added as an authorized buyer around  XXXX . We broke up in  XXXX  and around  XXXX  I noticed both accounts are on my credit report. As an authorized buyer I have no obligation to this debt. I called   XXXX   XXXX   and they stated I was added as a joint user. I never gave any written or verbal consent, nor did I give them my SSN to be added as a joint user. I have been disputing with  XXXX   XXXX  and all  XXXX  credit bureaus to have this removed since  XXXX .   XXXX   XXXX   refuses to remove it, even with a police report submitted to them.   XXXX   XXXX   also refuses to provide me with any information showing I agreed to be a joint account holder. When I file disputes through the credit reporting agencies, I 'm advised that   XXXX   XXXX   does not investigate this issue, instead they send a generic response back indicating the debt is mine and they fail to show supporting documentation. Both accounts need to be removed ASAP!
Complaint sub-issue: Information belongs to someone else

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX {$25000.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and 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: Received bad information about your loan

I went to college in the XXXX. I consolidated my student loans into Federal Direct Loans XX/XX/XXXX, XXXX. I have consistently been on income driven repayment plans for the last twenty years. On XX/XX/XXXX I should qualify for forgiveness of the balance under the 20 years of repayments. I have been reaching out to Fed Loan Servicing for months and been given the run around. Most of their customer service representatives state that they are not aware of this program, only PSLF, of which I am not at ten years yet.

StudentAid.gov clearly states that : Any outstanding balance on your loan will be forgiven if you haven't repaid your loan in full after 20 years. under income driven repayment plans. 

On XX/XX/XXXX, I received the following email after yet another inquiry on how to apply for forgiveness : Thank you for contacting FedLoan Servicing! 


We are showing that you chanced Income Driven Repayment ( IDR ) plans from the Income Contingent Repayment ( ICR ) plan to the Revised Pay As You Earn ( REPAYE ) repayment plan XX/XX/2017. By changing your IDR plan you started the IDR forgiveness time frame over. With the IDR forgiveness your loans would be forgiven and may be taxable. 

Sincerely, XXXX FedLoan Servicing This is absolutely not okay. FedLoanServicer changed my plan in XXXX  - when I only had four years left to go and now they are telling me that this means the clock started over and I now have an additional 16 years on top of the 20 I have already paid. 

Both plans are IDR plans ( what I was under before, and currently ). Nowhere does it say that switching between income driven repayment plans will mean you start another twenty years.

I have completed all the requirements asked of me to have the remaining balance forgiven, but FedLoanServicer is not allowing me to do that.
Complaint sub-issue: Not given enough info to verify debt

I have asked PDQ Services Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Complaint sub-issue: Investigation took more than 30 days

I have submitted disputes to you and I didnt get a response within 30 days and yall are required by law to do so. Please investigate my disputes, please. Thank You!