Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

XX/XX/XXXX Equifax leak of information. Was named as potential target.
Complaint sub-issue: Deposits and withdrawals

Reference previously filed complaints : XXXX XXXX Bank refuses to acknowledge the nature of the complaint : PNC can not account for location of IRA CD originally issued XX/XX/1985. Instead PNC references two other savings accounts which have nothing to do with this issue. THIS INVOLVES AN IRA CD ACCOUNT ONLY The original bank was XXXX XXXX XXXX XXXX XXXX. PNC took over the bank. PNC never followed through on the original contract. Per research with other banks it has been verified that the rules for retirement accounts are different than usual savings accounts. 
PNC uses the excuse they have no record of the account. I have the original contract in my possession. Since this is an IRA account PNC has additional rules to justify disbursement this type of account. 
Please note per the contract it automatically renews every three years if the institution does not hear from the depositor. 

My name at the time of the original contract : XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

In XX/XX/2017 I was in patient at the hospital. I guess a doctor I do not even know came into see me and bill my insurance company. The insurance company did not pay as wrong paperwork was turned in by the doctor. He showed it as an ER room visit when I was in patient. The doctor in turn put this with a collection agency. I received a letter from the collection agency stating I owed {$400.00}. First I called them and asked for contact information on the doctor so I could get it taken care of. They would not give this to me and told me to contact my insurance to get it. I did this and was told the collection agency needed to provide this. I called them again and was told they needed a letter to give out this information. I took a letter into the agency office and they still refuse to give me this information saying they don't have that. How can they say I owe someone, but not be able to give me there contact information.
Complaint sub-issue: Funds not received from closed account

On XX/XX/2022, on the day called XXXX XXXX and asked them to release my account information for XXXX, so I can use it for other accounts they refused to do that so they can move money around in a ghost account. I am accusing them and I am fearful that they're using this account that I can't get in for illegal activity instead of just releasing my email address so I can put it towards another XXXX account using another bank over the phone after a number of billionaires across the sea in XXXX cut off from the world and a talk show host XXXX XXXX not being able to touch the money she accumulated over the years just because someone does not like her
Complaint sub-issue: Account information incorrect

XXXX XXXX is reporting uniformed information to my consumer report dated XX/XX/2018. Numerous attempts have been made yet the company continues to violate 15 USC 1681. nothing is fair in regard how this company work. They are making my life stressful. I feel as a consumer.
Complaint sub-issue: Problem with customer service

This complaint regards FedLoan Servicing and a parent plus loan. I paid my loans in full in XX/XX/2019. Because it was paid off sooner than 10 days, there was a credit balance due to me after the payment was made. 

Additionally, even though I instructed FedLoan not to process the next automatic payment, it did still did so. This raised the amount credit balance due to me. 

I have called FedLoan at least three times. I also have sent five emails to FedLoan. I received a letter from FedLoan confirming my loan was paid in full and nothing else is due. 

Even though FedLoan has confirmed my loans are paid in full, FedLoan refuses to pay the credit balance due to me. I have been given no reason for the refusal to pay these funds.
Complaint sub-issue: Information belongs to someone else

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}
Complaint sub-issue: Information belongs to someone else

Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Complaint sub-issue: Information belongs to someone else

I have an account showing on my credit report that I never owed a debt to adn it was never in collections from SOC SEC ADMIN OFFICE XXXX. I need this error corrected at once. I am in the middle of closing on a new business contract for my XXXX XXXX company and this inaccurate account item is stoping my from doing business.
Complaint sub-issue: Information belongs to someone else

The following credit inquiries listed on my XXXX XXXX, Equifax and XXXX credit report is fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXXXXXX XXXX XXXX, XX/XX/20, XXXX, XX/XX/20, XXXX, XXXX, XX/XX/20, XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXXXXXX XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20. Furthermore, I want all fraud and security alerts deleted and removed from my credit report. I do not want any fraud or security alerts on my credit report.
Complaint sub-issue: Information is not mine

I have repeatedly requested a correction to reflect I have never lived at the address of XXXX XXXX XXXX, XXXX XXXX XXXX from Equifax, which is the only agency reporting this as one of my previous addresses. They have never corrected the error over the course of several years. My credit history and score are exemplary so I suffer no consequences from the error, but Equifax just continues to fail to correct the error. I know there is another XXXX XXXX in XXXX XXXX. There was a XXXX XXXX XXXX that went to the same XXXX as me, but I am XXXX XXXX XXXX. At any rate, I have never had a residence of XXXX XXXX XXXX, XXXX, XXXX. I really wish this would be corrected. I have made several requests for correction but have never received any response to my requests.
Complaint sub-issue: Was not notified of investigation status or results

For some reason I have been ignored about the disputes I put in about the incorrect information on my credit report. I sent my letter on XX/XX/2021 and havent heard a peep from them. I am very upset that theres incorrect information on my report and Im even more upset that I have been ignored. I understand mistakes happen thats why I have been very patient and now I need these items removed. I will file for litigation due to distress if these items arent removed because it has been well over 60 days. I know that credit bureaus must respond within 30 days and its going on 90 days no response. You failed to maintain reasonable procedures in your operations to assure maximum ACCURACY in the reports you publish so please delete immediately. Im getting very impatient and I will not wait another 30 days.
Complaint sub-issue: Fee problem

Key Bank acct  XXXX   XXXX   XXXX  on Tuesday  XXXX   XXXX  my account had a positive balance of {$7.00}, then deposited {$57. 00} ( cash  ). on wendsday  XXXX   XXXX , I saw they slipped in an over draft charge, but before and after the charge according to the online register my account was never overdraft. how can I get an over draft charge when my account was positive Friday night, Saturday, sunday and Monday and Tuesday.     I guess they feel they can slip a f ast one by cu stomers, they could not offer me an explanation at all. I feel like the bank has taken advantage of a veteran, over the weekend we should be thanked for our service.
Complaint sub-issue: Debt is not yours

check my 3 credit reports today. and seen collection account from I C System INC.

Never had account with this company, never got a letter in the mail or nothing. But it show up on my credit reports.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. US DEP ED XXXX {$2300.00} XXXX XXXX {$460.00} XXXX   XXXX {$200.00} XXXX XXXX XXXX XXXX XXXX {$1900.00} US DEPT ED XXXX {$3200.00} XXXX/XXXX XXXX {$2000.00} XXXX XXXX {$2000.00} US DEP ED XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX {$890.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I had a credit card with XXXX XXXX XXXX that was charged off and purchased by a collection agency, XXXX XXXX, XXXX. XXXX XXXX contacted me with a settlement offer, allowing me to pay an adjusted amount which would settle the account if I agreed to do so in 4 payments. I agreed and paid off the account. 
After a month went by, I noticed balance of {$740.00} remaining on my credit report. At which point, I contacted XXXX XXXX, they indicated they would submit information to the credit bureaus so the correct balance of {$0.00} would be reflected. They did not. Therefore, I disputed the account, to have the balance to reflect " paid as agreed. '' Today I received a notification from Equifax that the dispute was settled. I immediately checked my credit report and was horrified, my credit had dropped by XXXX points! The XXXX XXXX collection balance was showing {$0.00}. The collection was closed, but score dropped! I immediately contacted Equifax. After having been provided several different numbers to call, I spoke to someone who told me that XXXX XXXX had reported late payments on the account. That is incorrect. I had to pay the account on time otherwise, the arrangement would have been forfeited. I'm not confident in the information Equifax provided. The representative said he would file another dispute of the late payments. I'm not seeing any late payments on the report so I don't know what he's talking about. Even still, paying off a collection and reducing my collection balance should not reduce my score by XXXX points! I did what every lender tells you to do " pay off collections '' and it has hurt me significantly. By reviewing the information that XXXX submitted to Equifax, it is clear to me that Equifax and/or XXXX has made an error. XXXX appears to be saying that I made late payments to them. The late payments were to XXXX XXXX XXXX, which is how they received the account in the first place. It appears that Equifax is impacting my score, twice for the same account! What XXXX is showing as " amounts past due '' is the arrangement that I made with them - not past due payments.
Complaint sub-issue: Personal information incorrect

LEXIS NEXIS CONSUMER REPORT ( Consumer Number : XXXX Case Number : XXXX ) IS NOT TAKING OLD INFORMATION OFF MY REPORT AND ALSO HAVE WRONG NAMES, ADDRESS AND DATE OF BIRTH.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I was charged {$770.00} back in XXXX for an XXXXXXXX XXXX car that I never booked. I filed a formal investigation with Citi and was told they would be investigating. They denied the claim and I reopened it by filing a police report and providing them with everything they needed. They said that XXXX provided a contract showing that I booked the car, however, my wallet was stolen so my ID could have been used to do this. They said they have a signed contract as well but never provided anything and once again denied the claim. XXXX even had already charged me around {$77.00} and after I noticed it, immediatley called Citi fraud dept. to report it stolen. They closed the card but I was still charged the {$770.00} after the fact!! They approved the fraud claim for the {$77.00} but not for the {$770.00} which makes XXXX sense since I made them aware of this before being charged. XXXX is running a fraud operation that must be stopped. 

Police report info : Incident No : XXXX Title : Stolen Property Officers Name : XXXX XXXX XXXX XXXXXXXX Police Dept .
Complaint sub-issue: Debt was paid

On XXXX XXXX, XXXX, we paid our XXXX phone billed and cancelled our service with XXXX. We switched to XXXX XXXX, who provided us with new phones upon trade in of our old phones. In XXXX of XXXX, we got a bill via email from XXXX that we owed {$360.00} that we declined to pay because we had cancelled our service with XXXX and paid our last bill. 

In XXXX XXXX, after receiving two missed calls and making two attempts to contact XXXX unsuccessfully, I later received a bill from XXXX in XXXX that we owed {$790.00}. There was no invoice attached or statement of phone usage ( because there was none ), but only a sheet of paper with the words in bold red letters : " ... .here 's your bill for this month. '' I 've written XXXX twice trying to get an explanation of why they insist I now owe them {$790.00}, since I cancelled service last XXXX. Since then, I 've received two collection letters from two different collection companies. The latest one is now stating that we owe {$860.00} And they have also put this on my credit report. 

I have a feeling that we are not the only ones XXXX has done this to.
Complaint sub-issue: Information belongs to someone else

I check my credit with XXXX. I was very upset. there are Accounts that I did not Authorize I don't understand how this is Possible I work very hard. I'm a single Mother with XXXX Kids That I have to support Making sure that I create a good life for them. I want to be able to purchase a New Home for them, as I begin to start my process I Decided to check my credit, this is when I notice that I have been a victim of Identity Theft. 
I would like this Matter to be resolve, and have these items removed from my credit
Complaint sub-issue: Information belongs to someone else

To : XXXX  or Equifax or XXXX  I have previously disputed accounts reports by creditors, collection agencies or courts in the file you maintain under my social security number. 
XXXX XXXX XXXX {$1600.00} I have been informed by your company the item ( s ) was/were deleted PERMANENTLY from my credit report.

Now, I have discovered the item ( s ) have been REINSERTED on my credit file.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within FIVE business days. I received no such notification. This is a very serious violation of the FCRA and I reserve the right to pursue legal action for your blatant disregard for the law.

You have failed to comply with documentation bearing my signature associated with this account, as per the Fair Credit Reporting Act 611 ( a ) ( 1 ) ( A ). I am keeping a careful record of your actions, including Method of Verification, I DO NOT CONSENT to e-oscar or any means of automated verification. In maintaining a careful record, I will file a complaint with the Consumer Financial Protection Bureau should you continue with your erroneous reporting of the item ( s ) and non-compliance. I further remind you, as in Wegner vs. TransUnion Corp., No. 95-6445 ( C.D.Cal.Nov.14,1995 ), you may be liable for the willful non-compliance and failure to respond satisfactorily I will seek {$1000.00} per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act I hereby DEMAND you immediately delete the item ( s ) from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office and the XXXX XXXX XXXX. 

Please govern yourself accordingly,
Complaint sub-issue: Didn't receive enough information to verify debt

Tried to contact one two different occasions both times spoke with very rude people over the phone. The first time attempted to set up a payment plan and was told that my only option was to pay in the debt in full all once and was given no other options. The second time tried to set up a payment plan, agreed on one but when I asked for a letter stating I was going to set a plan in place and asked about a written validation notice, was told they could not provide me with nothing but that I was expected to give over my banking information over the phone right then and then the only thing I would get was a bill in the mail 7-10 days before an automatic payment would be set up. Refused to send me anything about the debt or that I was attempting to settle it. When I stated I did n't feel comfortable with giving my information over the phone until I was given something about he debt in the mail I was rudely told they do n't do anything and I can just do this some other time, then he rudely said bye and hung up.
Complaint sub-issue: Their investigation did not fix an error on your report

As of XXXX 2017, Equifax has not fixed the error that 's on my credit report. I have contacted Equifax and the Collection company on several occasions. Per the collection company XXXX XXXX XXXX they have alerted Equifax on several occasions to remove this account from my credit file. I disputed this account with Equifax and Equifax has not done anything about it. I even asked Equifax if they verified information send it to me and they refused to send it to me. I am wanting this account off my credit report immediately because I do not owe XXXX XXXX XXXX any money at all. Equifax does not respond or they take well over 30 days to respond if they feel like it. Please have Equifax remove this account from my credit file immediately. I even tried calling Equifax to speak with a live person and got the run around, how can a company like this continue to report and do whatever they want to put on someone 's credit file just because. This is so wrong and this account to be removed.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$35000.00}
Complaint sub-issue: Can't get other flexible options for repaying your loan

Last year in 2020 I tried contacting my student loans to get student loan forgiveness and they said I qualified but its still on my credit
Complaint sub-issue: Their investigation did not fix an error on your report

I asked the credit reporting agency XXXX and Equifax to verify the account XXXX which I did not benefit or authorize nor do I have any benefit from to verify these accounts and they failed to dos.Iaskedthe original creditors and credit reporting agency. Therefore I am formally making this compliant against them because my rights per FCRA were violated and the credit reporting agencies sill reporting this fudulent account.
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX at XXXX XX/XX/XXXX I received an email from TrueAccord stating that I have an account with XX/XX/XXXX ( originally XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) and that they are trying to collect an old debt on their behalf. I do not owe this dept, I have none past due to any entity and they state my address as XXXX XXXX XXXX XXXX, XXXX FL ( I do not live at this address nor have I ever been to XXXX Florida ). They state I owe {$2100.00} from XX/XX/XXXX, including interest. I am assuming that this is a scam and DO NOT WANT TO RESPOND TO THEM FOR THAT REASON! When I attempted to research them, all of the articles about them are written BY THEM so of no good. There supposed contact info is : Email : XXXX Phone : ( XXXX ) XXXX XXXX M-F est Mail : XXXX XXXX  XXXX, XXXX, KS Please advise!
Complaint sub-issue: Was not notified of investigation status or results

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON
Complaint sub-issue: Information belongs to someone else

I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections.. I have never been late on this account. The date of last activity is incorrect. How can this account be charged off and it still showing a remaining balance! This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice.  Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. XXXX  XXXX   XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

inquires not authorized by me
Complaint sub-issue: Information belongs to someone else

As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with XXXX XXXX  on Wednesday XXXX XXXX. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I applied for a mortgage XXXX and was not allowed the 14 day mortgage shopping window. 3 or 4 other mortgage companies have checked my credit and every check was registered as a hard inquiry ; therefore my credit score has gone down every time my credit was checked within the 14 day window.
Complaint sub-issue: Their investigation did not fix an error on your report

Prior complaint # XXXX My previous complaint resulted in XXXX XXXX XXXX replying that they will notify the credit bureaus to delete these items from report but it could take 60 days for them to update their records.