Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Overdrafts and overdraft fees

This complaint is follow-up to complaint # XXXX. 

After I got of the phone with BBVA and they claimed to reverse overdraft fees in the amount of {$64.00}, they assessed another {$32.00} fee on XX/XX/XXXX and another on XX/XX/XXXX for the same return check problem. I contacted the credit card company to change payment on XX/XX/XXXX and had already spoken to someone the day I submitted my complaint to stop payments and return the fees. 

I am going to close my account with this corrupt bank. I just found out that it only has one physical bank in all of XXXX XXXX.
Complaint sub-issue: Public record information inaccurate

Reference # XXXX XXXX  XXXX : XXXX  Equifax contacted me and communicated that this public record was ''Verfied '' under XXXX & the XXXXXXXX XXXX XXXX  XXXX XXXX 

I called XXXX and they told me that the public record has been suppressed from my consumer report. 

I also Called the XXXX XXXX XXXX XXXXXXXX and they told me that they dont provide information to 3RD parties.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have tried to reach out to cash app support regarding several dispute matters at this point they have an unusually long time to process refunds up to 10 business days. I am not understanding how a transaction can immediately show as refunded but the funds wont be available for ten days. More recently I am having an issue with XXXX transactions on my account that XXXX is claiming they cant even locate on my account. CashApp is putting an undue burden on me to dispute the transaction of asking me to provide a receipt or letter showing XXXX cancelling the charge. When I explained to CashApp support this was unreasonable and in no way possible because as I stated before XXXX is claiming they have no record of any of the charges to my account CashApp support failed to resolve the matter and even refuse to cancel the duplicate charge from XXXX. They are refusing to process any disputes and I have over a XXXX dollars stuck as charges or in limbo from CashApp 's negligence and unwillingness to follow the FCRA and allow me to file a dispute.
Complaint sub-issue: Their investigation did not fix an error on your report

PLEASE SEE THE ATTACHED LETTERS AS CONFIRMATION OF ACCOUNTS PAID IN FULL
Complaint sub-issue: Banking errors

I opened up a PNC Virtual Wallet online on XX/XX/2017. There were requirements ( to  receive a {$300.00} bonus ) of 1 ) $ XXXX or more in direct deposits within 60 days of opening and 2 ) 10+ debit card transactions within 60 days of opening. I met both of these requirements ( I had 3 {$2100.00} or so deposits from XXXX XXXX and did 12 debit card transactions ). It has been almost 3 months since I met these requirements and yet PNC has not credited me with the {$300.00} bonus for meeting these requirements.
Complaint sub-issue: Public record information inaccurate

Equifax continues to show an in accurate public record ( Dismissed CH XXXX Bankruptcy ) despite repeated disputes that I have made. They keep saying they have verified the information as coming from XXXX. This item was removed from my XXXX report in XX/XX/2020. XXXX # in reference is : XXXX removing XXXX case # XXXX from my file.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair Credit Reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 602 SECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN CONSENT.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

My dispute is with Equifax itself. My complaint is this : I recently been informed that Equifax has been breached again by four XXXX XXXX. The last time they were breached my info was compromised and if they can not keep my private info safe then I dont want them utilizing my info in any way at all. Why should they be able to have a hand in major credit decisions in my life when they have failed time and again to keep my info safe. I'm really alarmed at this new breach because my identity was compromised and I'm still having credit issues with the last breach. I would like to file my own personal suit against them for incompetence which is my right. They hold too much power too be infiltrated so easily. I would like compensation and I wan TV my precious info removed from their databases before XXXX XXXX they hurt me in a way that I wont be able to recover from. This info is my life and sacred and I expect Equifax to keep this info protected as they promised that is my binding contract with them and they gave breached contract too many times now for me not to take action on a personal level not a public lawsuit.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I went to XXXX in XX/XX/XXXX-XX/XX/XXXXand I feel like I was pressured to take out loans I did not want to. Also, the school never helped me with finding a job as they advised me that they would.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

This is a result of the data breach of Equifax on XXXX XXXX, 2017. They mishandled my information, which puts me and millions of other people at risk. 

I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

Also they did not notify anyone quickly enough and admit that they will not notify everyone. This is extremely unsettling.
Complaint sub-issue: Information is not mine

I recently check my credit report and found that there were several items that were not related to me. This is very unfortunate because the incorrect information has caused me to not qualify for any additional credit. It has also hindered me from my goals of achieving a home. Please remove all unverified inquiries from my credit report.
Complaint sub-issue: Account information incorrect

Spoke with a fraud representative and after completing the issue at hand I advised the representative that XXXX XXXX was reporting incorrect balance, the rep stated its not showing a balance but when I review my Equifax.com it shows a {$79.00} balance which has been paid 30 days ago from this date. Also this account causes my credit use to show over 30 % which reduces my credit score.
Complaint sub-issue: Information is not mine

THERE WAS INQUIRES ON MY CREDIT REPORT THAT I DIDNT MAKE IT MADE A HARD INQUIRE ON MY CREDIT REPORT AND NEED TO BE REMOVED BECAUSE XXXX FAILED TO SEND MY PROOF THAT I MADE THESE INQUIRES
Complaint sub-issue: Overdrafts and overdraft fees

About two months ago, I made 3 purchases with my XXXX debit card. My XXXX debit card is linked to my pnc debit card and the way it works is that when you purchase something with it, XXXX will collect it as a check on your personal debit card. For some reason my account had non sufficient funds and for each of those 3 transactions charged a {$36.00} overdraft fee, then they had the transactions returned resulting in 3 additional {$36.00} return fee for each transaction. Not only did they not pay target but they charged me {$210.00} in fees. As a result of that I also ended up owing target return fees as well. PNC also kept a daily overdraft fee being charged to my account. I tried to dispute these charges and they just told me that that was policy and nothing could be done. I ended up with a negative balance of {$470.00} and they threatened with collection if amount wasnt paid. I ended up paying to avoid collection but that is a steal. They didnt pay for anything so I still owe target this money. I still have to pay target fees. They ran of with all this money from me. I have closed my accounts but I wanted to see what i could receive in help from you guys as I read I could look for help here. Thank you so much.
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX  XXXX  XXXX  HWARFIELD ( Original Creditor : XXXX XXXX  XXXX  ) XXXX** ... XXXX  XXXX  XXXX  ( Original Creditor : XXXX  XXXX XXXX  XXXX  XXXX  XXXX  ) XXXX**** ... XXXX XXXX  ( Original Creditor : XXXX  XXXX  XXXX  XXXX  XXXX  XXXX  ) XXXX** that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a victim of identity theft my information was stolen from XXXX XXXXXXXX and Equifax data breach please remove these fraudulent inquiries please remove from my account. XXXX XXXX of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX & XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX F XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Other problem

I identified 8 transactions to go into US Banks Promotional Feature XXXX 
Shown below are the date the transactions were posted, the amount of each transaction, the date the transaction was paid by me followed by the XXXX Credit and Debit dates to my account of these 8 transactions. 
Trans Date Amount Date Paid by XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 {$1900.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$500.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$250.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$3000.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$290.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$1000.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$420.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$2400.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 I submitted a complaint to US Bank on XX/XX/2022 regarding their XXXX  program promotional feature. I contend that the transactions in the XXXX program have already been paid for once by me and once by them. Now I believe I am paying for those charges a second time having those amounts transferred into XXXX. 
US Bank has not adequately explained the details of why this is not so. They fail to itemize each and every time the identified transactions have been been charged ( debited ) or paid ( credited ) by myself as well as by them. While they point out THEY credited my account for those transactions in the XX/XX/2022 XXXX they fail to claim the debit THEY put in for those same transactions. 
By the time the XX/XX/2022 statement was issued, all but 2 of the identified transactions had already been paid in full by me and those 2 remaining transactions from the XX/XX/2022 statement were paid on XX/XX/2022. My statements support this, no past due balances have been carried forward. Each statement was paid in full by its due date. 
So, I paid them all off via paying each statement in full in a timely manner, In XXXX US Bank issued a credit for them that was basically cancelled out by the debit they issued and still there is an XXXX balance shown. I feel I am now paying a second time for those transactions reflected in XXXX. 

US Bank replied XX/XX/2022 with a letter and a copy of my XXXX Statement.

Their explanation is confusing. My principle balance as of what date? I repeat, I always pay my balance due in full and do not carry any interest bearing balance forward. 
They do not adequately detail each and every item or change to the XXXX balance. I can only go by what I see on my monthly statements and it does not include much for the XXXX program. It just does not add up to me.
Complaint sub-issue: Information belongs to someone else

I am the victim of identity theft and I have reached out to the listed companies and reporting agencies. All they did was claim to have notated it in their records. THere are several unknown account and over 30 inquiries that i did not authorize, please assist me in investigating this matter and helping me with these accounts that I did not open
Complaint sub-issue: Reporting company used your report improperly

Equifax willfully mishandled my personal credit information by employing extremely substandard secruity measures leading to a massive breach of personal data in XXXX XXXX. This was done knowingly, as multiple Chief Executives of the company engaged in share dumping activity immediately prior to the leak becoming public.
Complaint sub-issue: Banking errors

On XX/XX/2020 I opened a new Citi business checking account with a $ XXXX deposit to take advantage of the bank 's $ XXXX Cash Bonus offer. The Cash Bonus was to be credited to my new account within 90 days from the end of the month in which I completed the Offer requirements, which I interpreted to mean by the end of XXXX, XXXX, since I had completed he Offer requirements by that date. 
I contacted the bank in XXXX and was told to expect the bonus deposit within 30 more days. I contacted them again after the 30 days, and was told that it was still forthcoming. Finally on XX/XX/XXXX I was told that the Form W-9 that I had submitted when I opened the account in XXXX had not yet been " certified '' so I resubmitted another Form W-9. 
It wasn't until the middle of XXXX that the Cash Bonus was deposited. 
I feel that the Cash Bonus offer was, at a minimum, misleading, but may have actually flirted with misrepresentation. 
I also feel that I should be compensated for the 4 1/2 months of lost interest and the associated aggravation and distress caused by the bank 's mishandling of this offer.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX, I reached out to XXXX via telephone to request paperwork to extend my deferment. I was told that I would receive it via email. It never came ( and I did check my Spam folder multiple times ). I reached out again XX/XX/XXXX and again was told they would send it via email - it never came. I called again in XX/XX/XXXX and the representative let me know that I could request the extension online. I immediately completed the request online and it was processed to be in effect retroactively. 

I am now in the process of purchasing a new home and discovered that only has my credit score taken a hit hit, but I have 6 late payments on my credit record. I've contacted FedLoan multiple times in XX/XX/XXXX and XX/XX/XXXX and this will not assist me in clearing up my credit report. They have informed me that even though the deferment was applied retroactively, the payments are still considered late. This makes no sense as per the deferment there were no payments due. They are rude and extremely unhelpful on the phone. I am about to lose a lot of money and a custom built home because of this. As someone who has an excellent payment records on all my other accounts, this is extremely distressing to me and very unfair. I have filed a formal dispute with them, but based on my phone calls with them, I don't have high hopes that they will do the right thing and correct my report.
Complaint sub-issue: Account terms and changes

I have been unable to update/view my credit report online with Equifax, I pay a monthly subscription for their service and have been unable to view/update my report since XX/XX/XXXX. The following error message is received, Eval Code : - Status Code : XXXX, Reason Code : XXXX. I spoke to several reps, they said it was a technical issue and would be fixed but it is now been three days and still unresolved.
Complaint sub-issue: Received bad information about my loan

I cosigned a loan for my daughter who lives XXXX. Citibank was not sending statements or correspondence regarding this loan. When my daughter called to make a work out because she does not make enough money they denied her request. We made numerous attempts to work with them for a better payment plan with their suggestion. They would have us submit everything then say she was not eligible. We spoke to them in XXXX of 2015 and said we would pay as much as we could each month and hope to consolidate the loans, they said we were NOT in danger of default as money has been paid. Last month we received a letter from a lawyer saying the loan was charged off. I am the cosigner and was never notified or given a chance to bring it current for my daughter. I have contacted them via phone and letter ( see attached ) they have been rude and unwilling to discuss this with me, only stating that a letter was sent. They can not provide any information as to how the letter was sent and why I was n't notified. They only informed us that they do not negotiate with students that live XXXX. I am the cosigner living in the US and they would not assist me but are damaging my credit. I cosigned in good faith and the bank did not notify me of any issues with the loan. 
I have sent letters to Citibank which all went unanswered, when I phoned to inquire I was told there is nothing the bank is willing to do. I have a payment history and have been making payments which I thought were in addition to payments they were receiving which would have reduced the interest. Since Citibank has failed to notify me as the cosigner they did not give me the option to assume the loan as I committed to. I 'm very upset with the lack of response and support. More than XXXX has been paid on this loan, it is not as if this loan was ignored. I should have been notified.
Complaint sub-issue: Other problem

On XX/XX/2019 I purchased XXXX XXXX XXXX on XXXX and paid by XXXX. 
A few months later, Citi Cards XXXX located at XXXX XXXX XXXX XXXX, SD ) requested to pay {$99.00} for the same product. 
I disputed it with their dispute email address on XXXX XXXX. 
I send my PayPal receipt attached to the email. 
But several month later, they send me billing again for the XXXX XXXX. 
With their consistent charge mailing with increasing amount with interest, I finally report it to XXXX. 
During XXXX  process, Citi Cards said they will investigate it several times with no result. 

But today they sent me another bill with increasing amount of {$100.00}. 

I checked my credit report. They report this charge as non paid on credit report of mine. 
They damaged my credit report. 

I believe XXXX  could not solve this problem. Therefore, I request Federal level intervention.
Complaint sub-issue: Problem with fees

XX/XX/XXXX at night, I initiated a payment from my XXXX XXXX XXXX account, realizing the fact that my autopay account ( XXXX XXXX ) doesn't have enough funds. When I submitted the payment the verbiage said, as I am submitting this payment my autopay will not happen. ( I tried to tell that to the company but they are saying did I keep a screenshot ). 

XX/XX/XXXX or XXXX, I saw they tried to pull the money from both accounts and hence had a return check fee charge from my checking account. I called both discover and my bank. Discover told me to wait till all of these gets posted and they can fix this. Bank said they have to charge this fee for returned XXXX. 

Now, today I see that they tried to get the funds again from the same account and hence got another returned check fee charged by my bank. 

1. Discover charged me XXXX returned check fees which they were kind enough to credit me. 
2. But I will have to pay the {$66.00} for a situation which I am not responsible for? 

I want the credit of {$66.00}. 

Thanks
Complaint sub-issue: Reporting company used your report improperly

I would like to know the date when I gave consent for my information to be stored with these corrupt companies?
Complaint sub-issue: Account information incorrect

This letter is in response to your recent claim that XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D. Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for:1. ) Defamation2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Attorney Generals Office Cc : XXXX XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

XXXX ran some report with Checkr in 2018 that shows nothing wrong with my background and is still denying me based on my background. 

I am being discriminated against for some odd reason. 

I work at XXXX XXXX which requires more than an XXXX job
Complaint sub-issue: Card was charged for something you did not purchase with the card

have a lot of unauthorized charges.  Discover Card is  determined to charge me for these things I 've never heard of. There is no " documentation '' that can possibly exist that I made these charges because I did n't. I 've never been to any of these places. I did n't buy anything and did n't receive anything.        XX/XX/17      XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  NM {$54.00}  XX/XX/17      XXXX   XXXX   TX {$38.00}  XX/XX/17     XXXX   XXXX   XXXX   XXXX  NV {$41.00}  XX/XX/17      XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  NM {$54.00}  XX/XX/17     XXXX   XXXX   XXXX  AZ {$57.00} I figure my identity was stolen.