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

I opened an account with PNC bank two years ago. When opening this account I explicitly opted out of their overdraft service. Today, I found that my account had received over {$150.00} dollars in overdraft fees. I used PNC online banking service to confirm that my account had in-fact opted out of PNC 's overdraft service, yet despite this I was still receiving overdraft charges. 

Even though I called PNC and was able to have the charges removed, the fact that I was charged at all is in violation of federal law. I would ask that the CFPB investigate PNC banking practices to see if other customers are being charged for unwarranted overdraft fees. I have reason to believe that PNC was fully aware of the fact that I had opted out of their overdraft service, but was attempting to charge me for the service regardless.
Complaint sub-issue: Their investigation did not fix an error on your report

I have two dismissed bankruptcies on my XXXX report. I have disputed these bankruptcies for years. Finally XXXX told me that I had to dispute them with LexisNexis, which I did. LexisNexis removed them. XXXX still refuses to remove them, saying that LexisNexis is certifying that they are in their data base. LexisNexis is telling me that they are not certifying to XXXX that these bankruptcies are in their database. Im caught in the middle. I have letters from XXXX saying they were removed, which XXXX is ignoring. I want these items removed. It should not take years to have this corrected.
Complaint sub-issue: Trouble with how payments are being handled

My names is XXXX XXXX. I have my student loan though Great Lakes Educational Loan Services.My id with them is GLID : XXXX This months payment was to be made last Sunday XX/XX/XXXX. When I went to make this payment that Sunday the website told me I was past due. I immediately made the payment and contacted Great Lakes today XX/XX/XXXX that although I did pay it in the right day because the payment was made on a Sunday it does not count. Great Lakes themselves gave me the due date of XX/XX/XXXX. I was told I needed to make the payment 3 days prior for the payment to processes. I voiced to them this was unfair but was told nothing can be done. Great Lakes Educational Loan Services will now report to credit agencies my missed payment, they now expect me to pay the entire XXXX balance by XX/XX/XXXX and have added XXXX in unpaid interest. For my entire history of repayment to Great Lakes Educational Loan Services I have been on time. This is unfair and they refuse to help me.
Complaint sub-issue: Information belongs to someone else

hippa, cra inaccurate information violates my cra rights
Complaint sub-issue: Old information reappears or never goes away

Equifax information services keeps reporting a bankruptcy on my file in various was its been deleted multiple times then re added with new date new filing statuses and different case numbers which all has been documented since 2016-present
Complaint sub-issue: Information belongs to someone else

I am not responsible for paying the accounts..I do not owe this debt nor the accounts UNKNOWN XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX , XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX.. I am extremely concerned about the actions the credit bureaus are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap
Complaint sub-issue: Account terms

My credit report are inaccurate with account that are over 7 years oldthis impacts me and cause unfair treatment when I haveapplied for credit, all old information over 7 years must bedeleted especially when the when loan are current andoff
Complaint sub-issue: Account information incorrect

I have paid off my account with XXXX, but they will not update my credit report to list a {$0.00} balance on this account. I tried to dispute the account with Equifax, XXXX and XXXX XXXX ; but they continue to verify a balance owed when there is not one owed.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my lifestyle by getting certain things situated to help provide for me and my family.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX Balance : {$11000.00} ; XXXX  XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX Balance : {$2400.00} ; XXXX XXXX XXXX Balance : {$42000.00} ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XXXX XX/XX/XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Balance : {$2000.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Complaint sub-issue: Account information incorrect

XXXX account used to say open and delinquent after XXXX. When in fact I traded my vehicle in XXXX for another vehicle. Had that investigated by Equifax and was updated to delinquent and included in Bankruptcy. Ask Equifax to reinvestigate it XXXX years ago. Was never included in my Chapter XXXX bankruptcy that was discharged in XX/XX/XXXX. Still paid a note a traded it in XXXX for another vehicle. When checking Equifax credit report again for XXXX, it still saying reinvestigation in progress and included in Bankruptcy.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Im requesting my 3times sent {$500.00} to Discover credit card company. I didnt have a XXXX XXXXXXXX XXXX I requested the 3 checks back totaling {$15000.00}. Discover sent me a {$500.00} check But also put it on my credit card as a withdraw, that I'll owe it back. The amount is {$1500.00} that is owed back to me. I applied for a credit card. It came as {$10000.00}. I sent for a checking account, and thought I sent it to the checking account not the credit card. Discover bank credit card services kept my XXXX checks each for {$500.00}. Discover credit card added the money to my credit card making it then, {$11000.00}. The credit card wasnot a prepaid card. They claim they used my money to pay for my bills instead of using it as a credit card? I didnt know how to approach the company, but figured I'd better try something to see where my money went. I thought they sent it back 1 check for XXXX +. But that was a promotion to received dollar for dollar in purchases as cash back. Attached is the check they want me to cash yhis {$500.00} check and pay back, after I asked for my money back or where did my money go. I've explained some in the initial complaint.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, I am submitting a complaint against Equifax and XXXX for a FRAUDULENT XXXX account. I have sent numerous letters including an FTC advising this account is not mine but they have ignored my request. I also saw a ton of FCRA violations ( different open dates, closed dates, activity etc ) From my understanding under the FCRA everything that reporting has to be 100 % accurate! This is impacting my score and needs to be removed ASAP! I have hired a XXXX lawyer due to your negligence
Complaint sub-issue: Received bad information about your loan

This has been going on since   XX/XX/XXXX . The loan just keeps getting larger and larger. I was set up with a 20 year repayment plan. That on  XX/XX/XXXX  w as told by nelnet servicer that it has started again. I still have 20 years to repay a fraudulent loan and it 's at  XXXX  now. This is abvously a scam I do n't intend to pay and rightfully should not. I 'm tired of the harassment and billing. I do n't trust the school or the servicers.
Complaint sub-issue: Their investigation did not fix an error on your report

I allegedly had A loan with A company by the name of XXXX XXXX  in XX/XX/XXXX. I have submitted several disputes to all 3 credit bureaus to have this account removed as It was not my debt and I was A victim of identity theift. Aside from that it has been 7 years since the account was reported delinquent. According to XXXX they have the last activity date for the account as XX/XX/XXXX and XXXX and XXXX  has --. I reached out to XXXX at XXXX  XXXX XXXX  and he provided the attached itemized statement below showing the account went into delinquent status on XX/XX/XXXX because their was no payment made. I spoke with XXXX at XXXX  XXXX  branch number XXXX at XXXX XXXX who also informed me there was never A payment made on the account since it was open XX/XX/XXXX. He informed me the XX/XX/XXXX date that XXXX has reported was the day the account was charged off as A bad debt. According to the three credit bureaus websites and law it states A charged off account should fall off after 7 years from the FIRST DATE OF MISSED OR LATE PAYMENT on the charged off account. According to XXXX XXXX  the account went delinquent on XX/XX/XXXX which mean As of XX/XX/XXXX this account should be removed from all 3 reports. I have submitted several disputes and have been unsuccessful with getting A response. It is A violation of my rights to continue to report inaccurate information. If needed the 3 credit bureaus should contact XXXX XXXX to confirm the information provided in the dispute for clarity that this account was fraud and it has now been 7 years and should be removed completely from my report effective XX/XX/XXXX or you will be in violation of FDCPA laws!
Complaint sub-issue: Information belongs to someone else

I have a fraudulently account reporting to my credit by XXXX XXXX XXXX. I have submitted the FTC paperwork and my CFPB complaint to all three credit reporting companies. The only company that did a proper investigation was XXXX. Which deleted this fraudulently account from my credit report. Equifax and XXXX XXXX didn't respond to my paperwork, nor did they do a proper validation. 

This account has fraudulent charges that were added to it and I have provided all of the proper documentation but the only company taking it seriously was XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

Someone used my social security number to create a fraudulent account through XXXX during the dates of XXXX. XXXX - XXXX. XXXX and now I owe a XXXX bill that the EOS CCA collections agency purchased from XXXX. 

Years ago ( XXXX ) I contacted XXXX and was told by them they have no litigation on this matter since EOS CCA purchased the debt. I contacted EOS CCA and they told me I have to prove that I did not live at the address where the XXXX debt occurred ( XXXX XXXX XXXX XXXX XXXX XXXX and the tenants name XXXX XXXX during the fraud dates ) I sent mailed them the documents that proved I never lived at that address and the credit calls stop soon after that so I assumed it was resolved. 

I recently found out that they never resolved it and my credit is still being negatively affected. I called them once again today ( XX/XX/XXXX ) and they told me they never received any documents and that their data is showing this is the first time I have ever called which is untrue. They are mailing me a fraud packet that i must fill out and enclose a police report ( which I am currently working on ) and a written letter about the dispute and send it to them within 30 days. 

I am contacting the CFPB because I doubt they will remove the debt since they seem to lie or forget about all the calls ive made to them and the proof documents. At one point EOS CCA even accused me of creating the fraud telling me I could have given away or sold my social security number effectively implying that I am a criminal.
Complaint sub-issue: Their investigation did not fix an error on your report

Just received results of  a 2nd dis pute with Equifax for the same issue and there is no way Equifax verified the account status. Equifax is still reporting the same inaccurate information. Please see attached documentation.
Complaint sub-issue: Their investigation did not fix an error on your report

I SUBMITTED SEVERAL DISPUTES OF INACCURACIES ON MY CREDIT REPORT. I EXPLAINED WHATS INCORRECT AND CB REFUSED TO GET CORRECT AND REMOVE OR CORRECT OFF CREDIT REPORT. ITEMS ARE INCONSISTANT ACROSS ALL 3 CB..THEY ARE NOT OBEYING THE FCRA LAWS AND NOW IN VIOLATIONS..
Complaint sub-issue: Problem accessing account

I tried to log in using XXXX and, despite the login credentials being accepted by my bank ( PNC ), the connection was rejected.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have not given consent to have my credit inquired and the following companies have violated a federal law called the Fair Credit Reporting Act ( FCRA ). I would like to challenge the validity of the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I have filled dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Complaint sub-issue: Was not notified of investigation status or results

In XXXX and XXXX of 2022, i filed a dispute wit Equifax about the unverified collection reporting of XXXX XXXX XXXX account number XXXX. I alsoI requested validation of debt with XXXX XXXX XXXX account number XXXXXXXXI have sent 2 notifications, I have not heard from them in two months about this unverified account. So now I'm contacting the cfpb to step in and help me get this issue resolved. According to the Fair Credit Reporting Act, if a debt collector is not able to validate the debt that I owe, Then it must remove my report and I have not heard from them in over 2 months as of today. Thank you
Complaint sub-issue: Trouble getting a working replacement card

I just need a new unemployment debit card
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed this account XXXX and to this day it has not removed from my credit report. I called the company and dealt with the credit bureaus directly. Although they returned a verdict of saying that the account was found fraudulent they never deleted it from my credit report even though XXXX XXXX stated that it would be deleted from my report first on XX/XX/XXXX then again on XX/XX/XX/XX/XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

There are unauthorized inquiries on my credit profile. I contacted the companies and they stated I needed to contact the credit bureaus because they have no record for me. I contacted the credit bureaus over several times last month and also on the XXXX, of XXXX ago requesting verification of the unauthorized inquiries and I was told that they can not verify the inquiries and they will not remove them. I requested to speak with a manager and was put on hold for over 40 mins and then they hung up the phone. 

They have not validated the inquiries and refuse to remove them.
Complaint sub-issue: Debt is not yours

in order to charge off an account the original creditor wrote it off on their taxes. please provide debt validation, original accounting and signed contract by all parties or remove immediately.
Complaint sub-issue: Trouble with how payments are being handled

Hi, I am currently trying to become eligible for the public service loan forgiveness program. As you are aware, in order to qualify, you must make 120 timely payments on the loans to be eligible for forgiveness. Over the past 8-9 years, I have been making timely monthly loan payments under the IBR program . I make a single lump-sum payment, and the servicer applies the payment to the nine different loans that constitute my universe of law school student loans.

For eight of my nine loans, I am right on track for forgiveness -- - I only have a year and a half to two years left of payments to make left. For one of the loans, the servicer said something like five full years of payments were untimely. The servicer agrees that I made them, but has deemed them untimely. However, as stated, during those five years, I made a single payment to the servicer, and they attributed the payments made to the individual loans. So, even when I made a timely payment ( and they correctly attributed the timely payments to eight of my nine loans ), the servicer delayed the attribution of a portion of my payment to one of my loans, such that the payment ( in their internal system ) is late. But that " lateness '' is due to their actions, not mine.

Accordingly, for one of my nine loans, they state that I will not be eligible for forgiveness until XXXX or XXXX ( my other loans will be eligible for forgiveness in XXXX or XXXX ). I raised the issue with my servicer, and after considering it for 8 months, they rejected my request.
Complaint sub-issue: Debt was result of identity theft

Yes this collection company keep putting derogatory credit on my report for XXXX. I never had of XXXX account and they know this. I have for proof of identification use to open this account and ask XXXX to investigate and they havent did anything. But said this debt will stay on my credit. They need remove this from my credit with out proof who did this and block collection company for putting anything on my credit report. I will seeking attorney to sue XXXX and this collection company. I have credit monitoring on my credit and it seems not to be working or they just dont care. I just received of sellment check just for this same thing. And see they are back at it again not protecting my information and allowing collection company do whatever they want without proof of person owe if debt.
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX, XXXX ( a bill collector ), Marcadis Singer Law Firm, XXXX XXXX XXXX XXXX, XXXX, Florida XXXX, has served me with an order for Deposition and Order to Show Cause because he would like for me to show all of my assets and/or income for the 36 months preceding the service of the notice. The notice is dated XX/XX/XXXX. The records being requested are as follows : bank statements and cancelled checks, all of my savings account deposit books, copies of my state tax returns, books of records and all memoranda reflecting my assets and/or income. Deeds to realty, bills of sale for personalty, and title certificates to motor vehicles. The Plaintiff listed on the order is : XXXX XXXX XXXX XXXX, XXXX, as assignee of XXXX. I have informed this bill collector repeatedly that I need legal representation and can not afford it. I did not hear from them for 8 years, I thought it was all over and I started receiving the letters again. I appeared in court about 10 years for this same matter. Is there a statute of limitations on this? I don't understand how they can continue to try to get money from me for a very old bill that is no longer on my credit report. I am a lay person without money to hire an attorney. I feel intimidated that a bill collector is asking me to provide this information. I need help in the matter. I don't know what my rights are or what to do. Please help me. I'm scheduled for a court appearance on XX/XX/XXXX, if I do not go to the deposition and provide the information requested. I would appreciate any help that you can give me in this matter. Thank you. XXXX XXXX, XXXX XXXX XXXX, XXXX . XXXX, XXXX, FL XXXX
Complaint sub-issue: Information belongs to someone else

I have fraud accounts reporting to my ( all three ) credit report, I have listed all the details below. I have never dealt with the below companies and I have tried to correct this with them directly but I get now where and it is effecting me negatively. 

XXXX ) XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX OPENED XX/XX/XXXX Amount {$9300.00} XXXX ) XXXX  Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amount {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amounts {$500.00} {$1500.00} Closed XX/XX/XXXX XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amount {$1000.00} XXXX ) XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual Reported XX/XX/XXXX Opened XX/XX/XXXX Amount {$300.00} Closed XX/XX/XXXX XXXX ) XXXX XXXX XXXX Account # XXXX ( XXXX ) XXXX Individual REPORTED XX/XX/XXXX Opened XX/XX/XXXX Amount {$300.00} {$0.00} Closed XX/XX/XXXX XXXX ) XXXX  Account # XXXX Opened XX/XX/XXXX Reported XX/XX/XXXX Amount {$1200.00}
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXX, The firSt one is XXXX XXXX {$400.00}, I have notifications from Equifax showing this was paid and removed. I 've disputed with XXXX XXXX and XXXX. Equifax removed this debt and it showed paid. Then all the sudden. In remarks it showed I was disputing the paid account in remarks.. It was then re-inserted on all XXXX reports. I 've read case law where this is against consumer laws and bureaus could pay monetary damage. I was never notified of it being added back to reports. I myself found it. Next, Again is XXXX XXXX XXXX, XXXX.. This was a XXXX XXXX account. Back in 2012 it was added to my reports but with inaccurate information the amount being XXXX.. I disputed it was removed. SUDDENLY in XX/XX/XXXX out of no where this shows back up being reinstated on my reports under 2 different companies appearing as a different account. 5 years later. I had my debt cleaned up. I had 2 accounts left to clear up. It again is against consumer rights to have something removed and reinstated years later. They 've damaged my score and has made my credit to appear horrible and caused harm. Third and final .. XXXX XXXX. I noticed a bill from a Gas company on my report. I did some investigation and it was in another state.. West Virginia and an address had been added to my credit report like I lived at said address. I sent Equifax proof, everything they requested to show I had not lived there. Utility bill, Id, tax returns. Equifax and XXXX XXXX removed the account from my report. XXXX has not. Equifax has not removed the address associated as they said they would.
Complaint sub-issue: Information is not mine

I have continuously contacted the credit bureau and the creditors, whom refuse my dispute of the validation of these inquiries. The representative could not provide me with validation as requested, other than stating that the inquiries were a " statement of fact ''. I have continuously advised the credit bureau that these inquiries do not belong to me, and request that the following inquiries be removed.