Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem using a debit or ATM card

This complaint is about an error made on behalf of PNC Bank with XXXX, which cost me {$1000.00} without any wrongdoing on my part. 

On XX/XX/2019, I made a credit card payment to XXXX for {$1000.00} from my PNC Bank Account using a debit card. The amount was recorded once by XXXX  on XX/XX/2019 as expected ; however, on XX/XX/2019, when the payment posted to my PNC Bank account, it was recorded as two transactions, each for {$1000.00}. I disputed this transaction with PNC, and they issued me provisional credit on XX/XX/2019 for the extra {$1000.00} charged to my account. 

Then, on XX/XX/2019, XXXX  adjusted the original payment I made on XX/XX/2019 and deducted {$1000.00} from my XXXX  account. As a result, the initial payment was reversed once from XXXX, but only once from PNC despite being charged twice. Therefore, I was deducted an extra {$1000.00} for no reason. 

When I contacted PNC to ask them about this dispute, they told me that it was already resolved on their end and that I needed to contact XXXX  about their reversal of my payment. So, after several months of back and forth between PNC and XXXX, I was formally told through a letter from XXXX   that the reason they deducted {$1000.00} from my XXXX  account is because they had paid it to PNC in order to reverse my transaction, however, PNC never put the {$1000.00} back into my PNC account. 

I have followed all of the appropriate steps to resolve this problem and went through all of the proper channels with PNC, but this issue has not been resolved. It has been ongoing for several months, and I am still at a loss for {$1000.00} for a problem that the banks made, not me. I require assistance from the consumer financial protection borough in resolving this matter. The ongoing dispute is between XXXX  and PNC, I am just a middleman who is charged {$1000.00} without having it returned. This is theft.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax and XXXX  are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I found some fraudulent inquiries reporting on my credit report so I sent a letter to the credit reporting agencies on XX/XX/2021 but as of today XX/XX/2021 I have not received the results from the credit reporting agencies. I have filed an identity theft affidavit and sent into the bureaus with my personal identification and proof of address. 
These fraudulent inquiries still remain despite my submission of supporting documents. 
The list of creditor attached did not have my consent to run my credit and is a result of identity theft result.
Complaint sub-issue: Problem with rewards from credit card

I want to redeem my " Miles Balance '' as cash. When this option was selected online on the company 's website, I received an error - " No Bank Added. This option requires a linked bank account. '' I  contacted customer service and was told that " a bank account needs to be linked and a payment made '' for this feature to work. I did the above and I still get the same error message. The web site is broken or malfunctioning.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/21 I sent a letter regarding the inaccurate and unknown things on my credit report. To this day I have not received response. I feel like im being taken advantaage of and being ignored of my disputes. Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been over 60 days!! I demand these accounts be deleted immediately/promptly. That or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax breach and may have got into the hands of the wrong person.lso Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. We are at almost 70+ daysThe items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. Medical bills are not to be shown on a consumer transaction report per 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report. This is a violation.
Complaint sub-issue: Problem getting a working replacement card

I have requested a new card to replace a lost card multiple times over the past month and have not received it. Please let me know the status.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been contacting Equifax and  XXXX   XXXX    XXXX   XXXX   for the last 5 months in order to correct information on my credit report. Equifax is the only credit reporting agency that is reporting  XXXX  accounts with  XXXX   XXXX    XXXX   XXXX    XXXX  account is for the amount of {$1200.00} and the other account is for {$500.00}. They are both debt to  XXXX   XXXX  in California.     I 've spoken with  XXXX   XXXX    XXXX   XXXX   multiple times and they have confirmed that the only information for those  XXXX  accounts that they have is my name. No other information included DOB, address or SSN match their records. I then have tried to file a dispute with Equifax, nearly twice a month and they continue to claim it 's valid. I 've informed Equifax that I 've spoken with  XXXX   XXXX    XXXX   XXXX    and they have confirmed with me that those  XXXX  accounts do not belong to me.     Every time I call Equifax, they will only file a dispute and refuse to assist me further.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

The information being reported is inaccurate and currently being paid. Please see attachment.
Complaint sub-issue: Transaction was not authorized

On XX/XX/19, XXXX  ( a subsidiary of MoneyLion ) transferred {$200.00} from my account to them without permission to another account ending in XXXX. I do not have a Money Lion account nor do I know anyone who does. Before the fraudulent transaction I had never heard of the company. I have reached out to the company multiple times with no resolution to the problem. I keep getting told someone will get back to me and they never do. I have asked to escalate the situation which also does not help. The company does not respond nor offer any sort of assistance in closing the fraud account or getting my money back.
Complaint sub-issue: Didn't receive services that were advertised

Im filing this complaint as. In I never asked for outrages and kind gestures saving. It is competitively hard to get a job in a local economy.
Complaint sub-issue: Problem with personal statement of dispute

For the month of XXXX I was behind on my mortgage to XXXX and wanted to submit my payment before the 30 day mark to avoid having it reported to the credit bureaus. On XXXX XXXX XXXX, I submitted my payment in the amount of {$2500.00} XXXX late fees included ) to XXXX, via their online bill pay option as to avoid the service charge for dealing with a representative. I received a confirmation email authorizing XXXX to initiate the transaction soon after. 
Today XXXX/XXXX/XXXX upon reviewing my bank account, I noticed the funds for that payment were never taken out. I immediately contacted XXXX customer service to first find out what may have happened, and to attempt to resolve the issue with them in the hopes of preventing a negative impact to my credit. I was told the payment was never processed because of a keying input error on my part when entering my account info. I explained to the representative that I had received a confirmation email for that transaction, and that I had not been contacted about any problems regarding my payment. Therefore, I had no knowledge of any issues and assumed the account was now current. She then explains there is nothing she can do for me and alleges several phone calls were made to my cell phone to inform me, which I have no record of and no voicemail messages, or email for that matter. She also claims there was a letter mailed to my home dated XXXX XXXX XXXX. I still have yet to receive that letter.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 I sent a letter to Equifax of how they've re-aged a collection account which is a clear violation of the Fair Credit Reporting Act. Equifax has not responded to my requests and refuses to remove the account. This illegal account is damaging my credit report.
Complaint sub-issue: Problem getting my free annual report

I tried to pull my Equifax report at annualcreditreport.com. went thru the entire process to and then was kicked off the system. I went back in to try again and it told me I already pulled one as of todays date and cant get another for 365 days. There is no person to talk to at annualcreditreport.com and no one would help me at Equifax. they just referred me back to annual credit report.com 's XXXX # where you cant talk to anyone and said its just what it says I have to do. Horrible waste of time
Complaint sub-issue: Problem with fraud alerts

I have been a victim of identity theft for over 21 years. I am trying to purchase a 3 in 1 credit monitoring product from equifax consumer services, however my attempts have been unsuccessful due to the fact that my file is being handle by Equifax Office Of Consumer Affairs. This department is not helping me to stop the identity thief from viewing and accessing my credit file online. I do not wish for the office of consumer affairs to no longer handle my credit file at this point an time. There services just do n't work. With me ordering the equifax 3 in 1 credit monitoring product, will allow me to better monitor my credit file as well as lock and unlock the file at anytime, keeping the identity thieves out. Please assist me in handling this request as soon as possible please. 
Thank You, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I requested that Equifax investigate the XXXX XXXX ( account number:XXXX  ) that is reporting on my credit report. According to the results I received from Equifax and my Equifax credit report the account was last updated XX/XX/XXXX. This means that Equifax has never conducted an investigation when I disputed the account. This is a violation of the FCRA
Complaint sub-issue: Was not notified of investigation status or results

I sent a dispute to the Credit Bureau and they failed to respond within 30 days. I sent another letter explaining that they are violating the law and they are not complying.
Complaint sub-issue: Debt is not yours

Equifax is reporting that I have XXXX credit card debt, which I do not these accounts are not mine but my twin sister, I have filed this complaint many times and they still keep reporting my sister debt on my credit report. My name is XXXX XXXX XXXX her name is XXXX XXXX XXXX. The XXXX credit card accounts XXXX XXXX, and XXXX XXXX XXXX I do not have accounts with these lenders. When I called the lenders that stated they have the accounts under XXXX name not mine and that the credit bureaus keep mixing us up. Please see the attached credit report. I do not go by any different names on XXXX XXXX or XXXX XXXX XXXX. I also tried every year I have to send my license and birth certificate only to resend it again in a couple of months because they keep getting the data wrong and reporting the insufficient debt. Also, the addresses they have are not correctly associated with my identity. Please see the attachments.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX should not be reporting to Equifax, XXXX and XXXX that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This was an accounting error on the part of XXXX and consequently this error caused a late to appear on my credit report. I have attached screenshots of my statements for XXXX, XXXX, XXXX, XXXX and XXXX, XXXX. I have also attached my statement for XX/XX/XXXX for further reference. I spoke to a representative from XXXX and they confirmed the clerical error and assured me they would contact the bureaus to have this misreporting late removed from my credit report. Unfortunately, they did not follow through. This late reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus also to fix this however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

I have continuously disputed fraudulent/not mine inquiries on my credit report and Equifax refusing to remove them. They come back as " factual '' without a full investigation or evidence that they belong to me. This dies NOT adhere Under theFair Credit Reporting Act, the information provider has 30 days to report back to the credit bureau with proof that I authorized the credit inquiry. Also, in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). Below is my Equifax Dispute information. 

Confirmation number : XXXX
Complaint sub-issue: Received bad information about my loan

-My college loans were transferred to Mohela three years ago. 
-I had a XXXX and applied for XXXX relief. 
-Through the XXXX relief program ( XXXX ) suspended any and all payments to be made to Mohela . 
-XXXX advised they contacted Mohela of the suspension of payment. 
-Mohela kept trying to collect on the transferred student loan, to wit ; XXXX dollars. 
-Mohela said XXXX it were still collecting on the loan and were gon na ruin your credit. 
-They, Mohela reported a 90 late payment on my credit history-Now may credit history went from XXXX to XXXX because of this frivolous reporting by Mohela-Five days later the loan was paid in full by a credit card due to the continued harassment and threat to ruin more credit. 
-Mohela reported a loan 90 days late when XXXX suspended payments due to XXXX. 
-- its bad enough experience a XXXX now I have to struggle with a bad credit report and only late payment shown on my credit which has hurt my chances of obtaining viable loans and credit. 
-Please help with this complaint and please stop mohelas egregious behavior
Complaint sub-issue: Frequent or repeated calls

I do owe a debt and am paying it down, however, " until the debt is paid, collection attempts must continue '' is what I 'm told. It 's Sunday morning, XXXX XXXX and XXXX CDT. They have called 5X this morning already, on a Sunday, staring with the first call being a XXXX sharp.
Complaint sub-issue: Account status incorrect

In XX/XX/2017, I had an unauthorized transaction put on a Citi credit card that I had not been using for a long time ( and so, had not been checking statements as I knew I hadn't used the card -- -the card had {$0.00} balance prior to this transaction ). I only found about this transaction when I checked my Credit score and saw that it had dropped 100 points ( previously was in the 820s, dropped down to 720 or so ). Upon checking my credit reports, there was a 60-day past due mark associated with this account for XX/XX/2017. I contacted Citi -- -who offered to refund the associated late fees and also to help me fix the credit report -- -- because there was an understanding that this all related back to an unauthorized transaction on my account. They said that if I could get the merchant to reverse the charge -- -as proof that it was an unauthorized charge -- -- that they'd refund the late fees and also help me get the credit report fixed.

I got the transaction reversed, and Citi subsequently removed the late fees -- -- but the delinquent mark on my credit report still sat there for months.

Recently, I wrote a credit bureau dispute directly to Citi 's Dispute department and provided all of the necessary detail needed for them to work with the bureaus to fix my credit report. However, their team wrote back to me with a letter stating " our records show that the information on your credit report is correct '' -- -- in spite of the fact that multiple service reps that I talked to agreed that I shouldn't have a delinquent status over an unauthorized transaction that went unnoticed on my part ( again, the card was not being used for months, so it took a while to even see the transaction ).

I am looking for the CFPB 's help to intervene on my behalf with Citi so that they can take the corrective action -- -- which is within their means -- -- to work with the bureaus to get rid of the bad mark on my credit reports.
Complaint sub-issue: Account status incorrect

I have always paid my bill online every month with a bank and they always show that they receive my payment however, one time I got notice in 30 days that they never received the payment even when the website says they did. This caused a 30 day late pay to show up on my credit report by no fault of my own and has damaged my ability to get the best rates on loans.
Complaint sub-issue: Reporting company used your report improperly

Under 15 US Code 1681a ( 3 ) this medical collection is in violation and can't be on my credit report.

Under 15 U.S.C 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can validate this debt. I do not validate this debt.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX has been reporting inaccuracies on my consumer credit profile ever since the month of XX/XX/2022. They have been reporting that I am 30 days late with XXXX and Equifax in the months of XXXX and or XXXX, actually, it would change between the two months on my consumer profile which is severely a direct violation. I had sent over validated proof of my payments by furnishing my bank statement to XXXX XXXX in regards to it the inaccurate erroneous reporting. I have recordings from XXXX XXXX stating that they were going to update my consumer credit profile with XXXX and Equifax on the date of the close of my statement of last month which was XX/XX/2022. To my surprise on XX/XX/2022, when I was speaking with a XXXX representative it was updated on my profile that my account with XXXX XXXX was at the time current and never late. Fast forward to XX/XX/2022 the report was now reflecting only with Transition 30 days late payment in the month of XXXX that is a violation of the it is a violation of 15 USC 1692 G. The FDCPA Act, which entitles me as a consumer to be forewarned, have a warning that any any damaging negative information that will be reported on my customer report should be sent to me five days prior to appearing on my consumer report. XXXX XXXX has failed to do this in regards to my account. Also, too, they have failed to update the information with all of the credit reporting agencies so on XX/XX/2022, not to mention have never accredited my account the XXXX payment that I made as well it hasnt reflected in the balance at all. I sent over documentation of bank statements as well as other information that I did make my payment in a timely manner and that this information is erroneous and accurate on consumer reports and it needs to be deleted and updated as current never late. I have a recorded phone call from XXXX XXXX stating that my account has been current and never been late. So the only way to get this rectified is for them to update the information immediately on my consumer credit profile immediately.
Complaint sub-issue: Account status

THESE MEDICAL ACCOUNTS ARE INCORRECT. I HAVE HAD MEDICAL INSURANCE ALWAYS. IMPROPER FILING ON ACCOUNT. THESE ARE ALSO SHOWING FROM 2010 WHICH IS ALMOST 6 YRS. I HAVE CONTACTED THESE ACCOUNTS IN THE PAST AND GAVE ALL INSURANCE INFORMATION. BUT IS STILL SHOWING IN CREDIT REPORT AND IS DAMAGING MY RATING. PLEASE REMOVE FROM MY CREDIT REPORT. THANK YOU
Complaint sub-issue: Unable to open an account

Im trying to link my account whit XXXX XXXX XXXX but I cant get it.
Complaint sub-issue: Reporting company used your report improperly

My right to privacy has been infringed upon according to 15 USC 1681 ( 4 ) with this unauthorized reporting. Also no permissible purpose nor written permission was ever given to furnish any report on my behalf, if so I demand to see a signed contract.
Complaint sub-issue: Attempted to collect wrong amount

I have sent certified return receipt mail to this collection company " EOS CCA '' to validate this debt. they have not yet validated the debt in over 6 months a default letter was also sent to the company, and still no response. I have also sent a dispute letter to all credit bureaus regarding this matter. XXXX and XXXX   have removed this from my report. Although, XXXX has not removed it. They have stated that the account was verified. It seems to me this collection company has violated the Fair Debt Collection Practices Act.
Complaint sub-issue: Debt was result of identity theft

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL  XXXX XXXX XXXX {$200.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The  repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX  {$200.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX