Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble using the card to spend money in a store or online

XX/XX/2022 : I received a {$25.00} virtual XXXX XXXX XXXX XXXX XXXX XXXX from XXXX and registered it to my prepaiddigitalsolutions.com account. At that time, the {$25.00} XXXXXXXX ( ending in XXXX ) was visible in my account. [ See XXXX XXXX email files ] XX/XX/2022 : I received an email from prepaiddigitalsolutions.com about identity verification that purported to be in response to a request from me. I made no such request. I logged into my prepaiddigitalsolutions.com account, and the {$25.00} XXXX was no longer visible in my account. I had not yet used the card for any purchases. [ See XXXX email file ] XX/XX/2022 : I called the customer service number ( XXXX ) to inquire. They told me that they were investigating some kind of fraud alert and that the investigation should be concluded XXXX business days, after which access to my VGC would be restored. 

XX/XX/2022 : After 12 business days, I still did not have access to the {$25.00} XXXX, so I contacted prepaiddigitalsolutions.com by email through their web site to request a status update. In return, I received a message saying that a customer support member would respond in 2 business days. [ See XXXX email file ] XX/XX/2022 : I received an email from prepaiddigitalsolutions.com asking me to either call customer service or reply by email to provide more detail. [ See first XXXX email file ] XX/XX/2022 : I also received a second email saying that they would contact me within 5 days if they needed more information. [ See second XXXX email file ] XX/XX/2022 : I received an email requesting identification documents ( copies of drivers license and utility bill showing my residential address ). I provided these documents to prepaiddigitalsolutions.com through the upload link in their email. [ See XXXX email file ] XX/XX/2022 : I received another email requesting identification documents ( copies of drivers license and utility bill showing my residential address ). Again, I provided these documents through the upload link in their email. [ See XXXX email file ] Since that time, they have not restored access to my {$25.00} VGC. I have not been able to use the card for any purchases, so the balance should still be {$25.00}. I have attempted to use it for a purchase multiple times and been declined each time.
Complaint sub-issue: Account status incorrect

I opened an account with Green Sky Lending on XX/XX/2018. This is showing on my credit report as XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX. Phone ( XXXX ) XXXX. This account was for the purchase/financing of a XXXX XXXX manufactured & distributed by XXXX. XXXX had promised to provide a monthly participation stipen for opting into a case study for how the water helped with health ailments. In the end, the XXXX case study & XXXX XXXX was a complete scam. I reached out to the lender Green Sky to help with the situation as they had partnered with XXXX. You can find many articles addressing lawsuits against XXXX, including a Green Sky suing them for fraud. I asked Green Sky multiple times to help with this burdensome monthly payment. Green Sky told me to go ahead & hold off on making payments as they had opened & investigated a potential fraud case for loan. Unfortunately, Green Sky did not find evidence of fraud to assist with the loan balance. I only asked for assistance because they were dealing with thousands of customers experiencing the same issues. While this investigation was ongoing, Green Sky was reporting to my credit delinquencies. These late payments added up over time. I eventually paid the balance in full. I asked Green Sky to delete the account from my credit as a sign of good faith & payment in full given the circumstances. Green Sky stated they would report the account as paid in full, but could not delete the account from my credit. The late payments have hurt my score & will continue to reflect negatively. I do not feel this is fair since a good amount of the time was Green Sky investigating the allegations on my account. Again, I have paid the balance in full & I am just looking to repair my credit by removing the account. It is the least I can ask for given the nature of the fraud. Thank you & I look forward to hearing from you.
Complaint sub-issue: Reporting company used your report improperly

Per the Fair Credit Reporting ActXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # 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 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Complaint sub-issue: Account status incorrect

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries 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 is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Fraudulent Account XXXX XX/XX/XXXX Fraudulent Inquiry XXXX XX/XX/XXXX Fraudulent Inquiry XXXX XXXX XXXX XXXX  XX/XX/XXXX Fraudulent Inquiry XXXX XXXX XXXX. XX/XX/XXXX Fraudulent Inquiry Above is a list of fraudulent accounts and inquiries being listed on my credit report by your company. I did not give authorization to the above creditors to open and account nor pull my credit file ... Please remove the above items from my Equifax credit report ...
Complaint sub-issue: Account status incorrect

My issue is with Equifax, and the credit score they are reporting. According to myEquifax account, I have a delinquent account, which is negatively impacting my credit score, which is untrue. I do not have any delinquent accounts, and when I called Equifax today and spoke with a representative XXXX XX/XX/21 XXXX, they stated that they don't see a delinquent account in my record and are unsure why it is appearing on myEquifax and why my credit score has remained poor and not improving, despite the lack of delinquencies.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2018 @ XXXX XXXX I ( XXXX XXXX XXXX ) entered PNC Bank in XXXX, AL to deposit into an account in the name of XXXX XXXX in the amount of {$15000.00} cash to act # XXXX Routing # XXXX This was a favor for my fianc at the time that was in the military and needed money sent. My fianc and I are no longer together but that shouldn't matter. If this account was truely a scam account then where is my money. This entire nightmare has been unbelievable. 
Later that day I received a phone call from the XXXX, AL branch informing me the account I deposited the money into was being reported to me as a " SCAM '' account and the Assistant Branch Manager at XXXX informed me they were letting me know that they had caught the money before it was lost to the scammers. As soon as they had my {$15000.00} back for me, they would let me know. 
Since then, there have been so many stories told to me by PNC corporate, different branches, my phone number was even blocked and the worst of all came from a very rude branch Manager from Ohio where the money was actually taken and the account was reported closed. This very rude Manager actually told me the {$15000.00} was now her money to keep since she is the branch manager and I didn't have an account there. I had verified everything prior to depositing the money so I'm not sure what this lady meant. No one 's money should be hers!! 
I have tried everything to get the money back. There have been so many lies told to me by this company its unbelievable that they are still allowed to be in business. THe worst thing of all is the Branch Manager and Assistant Branch Manager have been going around the small town of XXXX telling people I am part of a " SCAM RING '' ... Really .... there's no such thing ... I XXXX XXXX for the military for over 30 years so how does some very low life individuals get to ruin my name!!!! I want them to be behind bars. I am XXXX with a XXXX XXXX injury XXXX and have had enough of the disgrace!!! I want my money back and stop trashing me.. They even have another bank around here labeled me as a FRAUD!!! REALY!! 
Please help in resolving this matter. Ive tried for quite a while.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX client XXXX XXXX is an identity theft victim. His information was used to apply for a CBNA credit card. While the account was not established the application left a fraudulent related inquiry on his credit report. We have sent an official dispute of this inquiry to CBNA however they are continuing to report the data. This is now a violation of his federal consumer rights under the FCRA.
Complaint sub-issue: Debt was paid

I had a XXXX XXXX XXXX XXXX Card through Citibank and I paid off the balance of {$22000.00} in full in XXXX XXXX. I filed a complaint with CFPB about the interest I was being charged in XXXX XXXX and the complaint was closed with no corrective action. In XXXX XXXX, I received a refund check from Citibank for this account of {$14000.00}. Prior to receiving the check I received a phone call from Citibank and the representative asked for my address to send a " refund of interest charges. '' When I received the check there was no explanation for this refund other than the message on the stub which reads, " Below is a refund check for the credit balance on your account. '' This account has been closed for more than five years.
Complaint sub-issue: Information belongs to someone else

These inquiries are FRAUDULENT! I respectfully request to be provided proof of these alleged items, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate, and as such represents a very serious error in your reporting. Ive also filed a police report and attached a FTC report as i have no idea where these inquiries came from. The FCRA also states any fraudulent information being reported on any individuals credit report must be deleted expeditiously. Please respect my wishes as Im a victim. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX - partial account number XXXX. ( Please see page 13 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am requesting the following hard Inquiries to be removed as I have not authorized any of these companies to pull credit.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been disputing inaccurate information that has been placed on my credit report for since early XX/XX/2018. I applied for a refinance of my mortgage loan and was adviced That I have 100 plus inquiries from each credit bureau. I pulled each credit report and noticed about 80 plus were not authorized. I sent all three credit bureaus letters. I received from all three breaks. XXXX  responded XX/XX/2018, their response was a letter was received and they didnt think it was me. They will not continue on with investigation. I sent and updated all information on XXXX XXXX. XX/XX/2018 Equifax received dispute letters in regards to inquiries. Their response on XXXX XXXX from the inquiries were that the inquiries were authorized and accurate and they are not removing them. I sent XXXX two dispute letters, one for my inquiries and one for several inquiries on my credit report. XXXX has refused to take any action on my credit file. They have just continued sending me copies of my credit report and hasnt followed up with me. I am becoming frustrated because it seems that my credit is being pulled from auto lenders and several credit card companies as from the past every 6 months and they are going through the institutions that I bank with. I just want to get this matter resolved.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX inquiry date XXXX XXXX business type federal government this is an inquiry not made by me not aware of this inquiry XXXX XXXX inquiry date XX/XX/XXXX business type Jewelers inquiry made not by me not aware of this XXXX XXXX  inquiry date XX/XX/XXXX tenant services inquiry made not by me not aware of this XXXX XXXX inquiry date XX/XX/XXXX inquiry not made by me XXXX XXXX inquiry date XX/XX/XXXX inquiry not made by me
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

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 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 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
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I spent about an hour on the phone with Equifax trying to clear a fraudulent issue. Though I gave them complete and accurate answers, they said they can not verifiy who I am. I asked to speak with a supervisor and was transferred to XXXX, Employee number XXXX. He would not transfer me to his supervisor, saying he doesnt have one. Additionally, I asked to speak to someone in their XXXX, GA office for two reasons. First, I have a hard time understanding their representatives that dont speak English as their first language. Second, I needed to speak to someone concerning the fraud issue. He would not give me a number in the United States, or transfer me to their corporate office.
Complaint sub-issue: Sent card you never applied for

I went to Macys in XXXX of XXXX, and I did not have my Current Macys card on file. So, I used my Social Security number to gain access to my current account. Subsequently, the sales associate open a new account in my name. Within 30 days I started receiving phone calls of a late payment of my credit card. My previously opened Macys card has been on autopay since opened in XXXX. Therefore, I was unsure of the late payment and or applicable fees. When I called to inquire about the late fees, it became apparent that I now had 2 Macyss card. I did not want any further late payments so I paid the card balance of {$90.00} in full and closed the card to avoid further late fees. Unfortunately, the fraudulent behavior did not end and my Credit Score has dropped XXXX points, over {$90.00} and a card that I never applied for. I have since been denied credit and my interest rates on my other cards have been increased. I have been in communication with Macys since XXXX of and its been 6 months with no resolved. My Credit Score is ruined.
Complaint sub-issue: Funds not handled or disbursed as instructed

XXXX XXXX XXXX XXXX, TN XXXX XXXX XX/XX/2022 PNC Bank XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX ; XXXX On XX/XX/2022, I made several purchase one being in the amount of {$240.00} from XXXX. 
On XX/XX/2022 all purchase made for or on XX/XX/2022 had posted to my PNC bank account resulting in my account balance being {$28.00}. 
On XX/XX/2022, I received two notification from PNC bank stating that my account balance was below its amount and my account balance was at {$18.00} than I received another notification from PNC bank stating my account new balance is {$270.00}. 
When I accessed my account from my desktop I noticed now the amount for {$240.00} was nowhere to be found and when I used the feature offered by PNC bank to locate the amount and date, the PNC account told me the amount was nowhere to be found. 



Than on XXXX XXXX I was notified my account was - {$220.00}. 
Upon review of my account I noticed that another merchant had taken out XXXX and my PNC account had been re-debited again for the amount of {$240.00} from XXXX merchant on the same day. 
I immediately reached out to PNC bank the morning of XX/XX/2022, spoke to a representative who told me they would escalate the call to a supervisor. 
On the evening of XX/XX/2022 I spoke with a supervisor who told me that the XXXX merchant had withheld the funds and thats why they posted on the XXXX instead of earlier in the week. She also told me that my account was set-up for overdraft protection. Which is why another merchant was able to take the funds out of my account. 
Last, the supervisor insisted that another merchants payment was the reason my account was overdrawn. I explained to the supervisor that, this was not true as I saw the posted payment for XXXX in the amount of {$240.00} on my account on the XXXX along with other purchased made on the same date of the XXXX. 
I also explained that I had never had this issue with this particular merchant before. The supervisor insisted that the reason my account was overdrawn was due to insufficient funds for XXXX XXXX XXXX merchant in the amount of {$250.00}. 
I explained to the supervisor that this was an error on the bank and that I disagreed with what she was saying as I took photos of my account, because I knew an error had been made. The supervisor told me that I would accrual overdraft fees after the third day if I was unable to pay the XXXX XXXX  in full. 
I told her that was impossible given I get paid bi- weekly and why was I being held accountable for a bank error. Upon disconnecting the call I received multiple messages from PNC bank stating that my account was over drawn due to the merchant XXXX in the amount of {$240.00}. 
I am seeking restitution for this error on the banks end. I would like all fees and the account to be XXXX so, that I may discontinue my services with PNC Bank.
Complaint sub-issue: Having problems with customer service

I am a XXXX who is utilizing the Public Service Loan Forgiveness Program ( PSLF ). I recertified my loans XX/XX/XXXX and switched loan programs from the IBR to the Pay as Your Earn program. I called multiple times XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to make sure the forms were filled out correctly and everything would be processed on time. Despite my efforts, the forms were not processed correctly. I should have only been billed for a {$5.00} forbearance payment in XX/XX/XXXX ( mandatory to switch to PAYE ). However, for some reason my forbearance was not processed correctly and I was billed my normal payment amount of {$650.00}. Further, if I made this payment it would not count to the PSLF program. I was told on multiple occasions that I would receive a new bill for only {$5.00} sometime from XX/XX/XXXX to XX/XX/XXXX but that bill was never received. I called again on XX/XX/XXXX and was told the forbearance was not processed and I had to submit a new forbearance request. This new request was finally processed on XX/XX/XXXX and due to that, my forbearance payment would not be made until XX/XX/XXXX and I would not officially be recertified under PSLF until XX/XX/XXXX. As such, I am losing 2 months worth of payments that should be eligible under PSLF ( in addition to the one month forced forbearance to switch to PAYE as well ). The loan company essentially told me there is nothing they can do despite that I did nothing wrong, called multiple times, and was very proactive in trying to prevent this problem. This is very typical of my experience with the loan company and the PSLF program. Every year, either my wife or I have issues recertifying for one reason or another. Many times the loan company just miscalculates how much our payments should be.
Complaint sub-issue: Problem with the interest rate

I purchased the vehicle in XX/XX/XXXX in the amount of {$8000.00}. It's been ( 3 ) years and I still have a balance of over {$10000.00}. I'm paying {$350.00} per month. I've never missed a payment. I've already paid over {$10000.00}. The loan was differed ( 3 ) months in XXXX in the beginning of the pandemic. How can I possibly restore my credit when I have Volkswagen not having a arbitration policy or any way we can come to some type of consensus. This is just highway robbery. I need your assistance in resolving this matter.
Complaint sub-issue: Information belongs to someone else

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity ThefXXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXF XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine.
Complaint sub-issue: Problem getting your free annual credit report

I'm in the process of purchasing a home and XXXX credit agency has my credit score in the high 500s where the other credit agency have me in the highest 600 ... I'm making every attempt to contact XXXX to see what they have on record and they're not allowing me to get access to my report without and putting my credit card information.. I really just want them to look at all of my trade lines that are old, remove them and update all current and existing tradelines to reflect accurate information so that my credit score is consistent