Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

The debt is with XXXX XXXX XXXX. The debt was paid with a settlement offer by XXXX. The amount was XXXX and settlement was XXXX. The company never notified the credit union. Telcheck took payment on XX/XX/2021. The reference number Company : TELECHECK SERVICES C-3 Reference Number : XXXX Acct : XXXX Rounting. XXXX XXXX XXXX XXXX
Complaint sub-issue: Can't close your account

Hello, On XX/XX/XXXX or XX/XX/XXXX I visited my local PNC Branch at XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX in order to close my account. I do not know the specific date as I receive no official documentation about my account closure. 

During this transaction, the teller verified my information, took my debit card, and informed me that my accounts are closed. 

It turns out that behind my back, they only closed 2 out of 3 accounts I had with them. My main checking account remained open. 

I learned this fact because throughout XXXX transactions were still hitting that account and PNC has been charging me Over Draft fees for each instance this happened. I was always quick to remedy these charges. 

The most recent overdraft fee was a result of a transaction on XX/XX/XXXX for {$91.00} and one on XX/XX/XXXX for {$20.00}. The first resulted in a balance of - {$89.00} Since I assumed the account was absolutely closed, I did not monitor the online account on a daily basis, and I received an email towards the evening when I was not able to make it to a PNC bank to rectify the situation in person and did not even have a debit card to do so at an ATM. 

I ran through my options to try to fix the account and decided to do a direct money transfer from my new account to the PNC account. 

The first transfer was initiated on XX/XX/XXXX for an amount of {$89.00} to bring it back to XXXX. 

The next day the {$20.00} transaction hit my old account and I immediately initiated a transfer for the amount on XX/XX/XXXX. 

Therefore *I had transferred the funds the, same day they hit the PNC account*. 

The funds ended up posting on XX/XX/XXXX and XX/XX/XXXX, resulting in 2 {$36.00} overdraft fees. 

I talked to a woman named XXXX from the Escalated Fee Department and her subordinate and they were not able to understand my situation and were not able to reverse the overdraft fees. 

I am feeling like I basically got defrauded when my account was not closed. After 8 years with PNC, I see how they really treat their customers. 

My argument is the following : 1 ) PNC did NOT close my account when I asked them to close my account -- they took my debit card and cut it up, but did not close the account when it was zereoed out. 

2 ) This lead to me assuming that the account was closed. I had a reasonable expectation that transactions would simply be declined because the account is not open anymore. 

3 ) Though they didn't close my account, I still made the account whole when necessary 4 ) When I realized that the transactions in question occurred, I initiated the transfer from my new Bank ( XXXX XXXX ) assuming it would get there in time to cover the transactions 5 ) I did my due diligence while PNC Bank simply lied when they told me my account was closed
Complaint sub-issue: Account information incorrect

XXXX is illegally reaging a debt and violating my rights under the FCRA and the FDCPA. XXXX is reporting the original date of delinquency is XX/XX/2020 which is a lie. If the original date of delinquency was XX/XX/2020 they would be able to provide a bill from XXXX verifying that I had insurance with them during 2020. They have not been able to provide any paperwork from XXXX showing this date. Nor can they provide any signed contracts between myself and XXXX. XXXX is lying. They can not provide any signed contract showing I had a account with XXXX in 2020 nor can they prove that the date of delinquency is XX/XX/2020.
Complaint sub-issue: Information belongs to someone else

I have been the victim of identity theft and several addresses, accounts and inquiries have been fraudulently added to my credit file. here are several addresses that are a result of identity theft and need to be blocked on my credit file XXXX XXXX XXXX # XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX and the Inquiries XXXX XX/XX/2018 XXXX Card XXXX, XXXX  Card XX/XX/2018, XXXX  Card XX/XX/2018 XXXX XX/XX/2018, XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX   XX/XX/2018, XXXX XXXX XX/XX/2018, XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018 all of these have been listed on id theft affidavit from the FTC and a police report where it happened. these are not mine I have sent letters regarding this issue with no luck I am sending this here to make sure this matter gets the attention it needs and all of these items are blocked permanently as fraud from my file.
Complaint sub-issue: Threatened to sue you for very old debt

Good Afternoon! 


My name is XXXX XXXX. I am writing this email in an attempt to seek advice on how to respond to a court summons that was issued by Discover Bank filed in XXXX XXXX Ga. 

Years ago, I defaulted on my Discover Card with a balance between XXXX and XXXX of charges and interest. I fully acknowledged that the debt is mine and the charges were made by me. That being said, the card was charged off after I had a major change in income and lifestyle. I entered into a monthly payment arrangement with Discover at the amount of approximately XXXX dollars a month to keep this debt from being sent to a collector. In early XXXX the monthly payments stopped, and the account was sent to a collection 's agent ( law firm ) XXXX XXXX XXXX. 

I called Discover to see if the arrangement could proceed and was told there was " nothing they could do '' since they no longer owned the debt. 

XXXX and XXXX were called to see if we could settle the debt for less than owed, my contact was XXXX XXXX. They did not take my offer seriously ; at which time I asked if I could pay THEM the same amount of money per month as I had been paying Discover. The offer was declined. I explained that as a waiter in a restaurant, a monthly payment would need to be reasonable. 

I am fully willing to resume paying a fair and reasonable monthly amount to keep any further legal issues from arising. I am due to appear in court to answer this summons on XX/XX/XXXX.
Complaint sub-issue: Bounced checks or returned payments

To Whom It May Concern : In XXXX of 2020, I applied for a loan for my business with XXXX. XXXX qualified me for {$10000.00} which was deposited into the checking account I had with Citibank. Citibank treated me like a XXXX and closed my account and held my funds in both my checking and savings accounts for more than 60 days. They even stopped my automatic withdrawals for my bills. They then stopped all communication with me. Every single person at this bank would hang up on me when I would call in regards to my account. No one would answer any questions or anything they would just hang up the line once they would verify my info. I never received the funds for the {$10000.00}. I went into the branch and was given a corporate phone number and was told to never come back after the phone number was given to me. I called the number and was told that the money was returned back to XXXX. I reached out to XXXX and was informed the money was never returned to them. I spoke with someone in the recovery dept and was told that XXXX was supposed to return the money to the treasury and none of that has happened. Citibank still has those funds. Well, now it is time for me to pay the taxes on that loan. I need the money to operate my business and recover what was lost. If Citibank doesn't want to return me the funds they need to at least return the money to the treasury so that it can be returned to XXXX. Why should I be responsible for paying taxes on something have never even received? It's been almost 2yrs. I am ready to hire an attorney if this can't be resolved. I have had my business banking account with another banking branch for going on 2yrs now.
Complaint sub-issue: Information belongs to someone else

I have sent letters via priority mail and fax. I have filed a police report with the XXXX XXXX Police Department via submission number XXXX and an identity theft report with identitytheft.gov via reference number XXXX. I have included this information in each letter which I have sent over 10 times to each credit bureau including the following accounts that are results of identity theft. 

XXXX : Account : XXXX XXXX Account # : XXXX Account : XXXX XXXX XXXX XXXX Account # : XXXX Account : XXXX XXXX XXXX Account # : XXXX Account : XXXX XXXX XXXX Account # : XXXX XXXX : Account : XXXX XXXX XXXX Account # : XXXX Equifax : Account : XXXX XXXX Account # : XXXX
Complaint sub-issue: Account information incorrect

i have sent numerous letters and have not received any responses from the bureaus. Nothing. it has been XXXX months now and i still have nothing.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have Contacted Credit bureaus on Hard inquiry Not recognize XXXX XXXXXXXX XXXX XXXX XXXX  inquires
Complaint sub-issue: Old information reappears or never goes away

This complaint is against XXXX, Equifax and XXXX credit reporting agencies. I'm bringing this complaint do to their inaccurate reporting, failure to conduct investigation into disputes and forcing customers to obtain for a monthly fee, their credit monitoring programs which falsely claim to increase credit scores. 
For the last DECADE! my credit score has been in the poor credit rating scale which is the lowest among most. I've tried several times to dispute inaccurate information only to have them deleted then placed back on my report months later lowering my score. I've hired credit service companies who letters were not being responded to by the credit reporting bureau to which I was told to file a lawsuit. 
These credit bureau have inaccurately reported accounts that are closed as being opened, and time barred debts falsing being listed as payments being made or received when no payment was ever sent. I've requested supporting documentation regarding their investigations these request have been unsuccessful. There has been problems obtaining my credit score and report from Equifax do to the inaccurate information the security questions they ask do not pertain to my credit history and I was informed by them that they do not have a credit report listed for my social security number, they intentionally give false information when I contact them. 
I'm XXXX years old my credit report should reflect 34 years of credit history, instead shows only the previous 10 years. Missing is 34 years of exceptionally payment history for utilities, credit cards, mortgages, business, educational and personal loans. This includes missing personal information such as addresses, businesses owned and work history.
Complaint sub-issue: Transaction was not authorized

On XX/XX/2021 I was trying to obtain a quote from XXXX. In order to continue and receive a quote I was required to enter my card information. However, XXXX/XXXX, upon my card information being entered, immediately charged my KeyBank checking for {$390.00}. I then called XXXX to resolve the mistake they had made. However XXXX/XXXX told me they would not refund any of my money and to contact my financial institution. I then called my financial institution, KeyBank, and informed them of what happened. KeyBank opened a dispute, and mailed out paperwork for me to complete on XX/XX/2021. I did not receive that paperwork until XX/XX/2021. I completed the paperwork and mailed it out certified on XX/XX/2021 and also took the paperwork to a KeyBank branch to have it put in the system that way as well. While I was in the midst of doing all this KeyBank closed my dispute saying that the transaction was authorized, when indeed it was not. I called KeyBank to let them know when I received the paperwork and the representative, XXXX XXXX, on the phone even said that the mail is severely delayed. But that the dispute was closed and that there is nothing more that KeyBank will do, and that I am just suppose to be ok with losing {$390.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

This is an issue with both Equifax and a collection agency called XXXX XXXX XXXX XXXX 

I have an open collection item with the collection agency mentioned above, originally assigned XXXX. 

To date, I have not received any notification of this collection account. I last went through the process of pulling my credit reports from the 3 credit bureaus in late XXXX XXXX, which is where I first learned of the collection ( it appeared on all three of my reports ). I submitted disputes to all three credit bureaus disputing the validity of the debt- both XXXX and XXXX  removed the collection from my records, while Equifax marked it  as valid. 

At a loss of how to resolve the issue, I sent an email on XX/XX/XXXXto the only contact email I could find listed for the collection agency ( 'XXXXXXXXXXXX ' ) proposing to proposing to pay the collection just to get it removed from my credit report. I did not imply ownership. I received no response. 

In XXXX I again disputed the validity of the debt through Equifax and again had it marked as valid. 

I am submitting this complaint as I am at a loss as to how to resolve this issue and get this collection removed from my Equifax. Due to swift removal of the collection from my credit report by 2/3 credit reporting bureaus as a result of my initial dispute, the lack of communication about the collection by the collection agency, and the lack of response to my email to the collection agency in which I offered to pay the collection amount in full simply to make it go away, I have serious doubts regarding the legitimacy of the collection agency. 

I feel stuck in a untenable situation where I can neither pay to resolve the collection nor effectively dispute it. I am also confused as to how Equifax has access to data that shows the collection as valid, while the other two credit agencies determined it was invalid.
Complaint sub-issue: Reporting company used your report improperly

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX 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
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/XXXX I received notification that my credit score on XXXX and XXXX credit reports dropped 29 points! Due to a collection from Grant and Weber. This account was put on my credit report, I did not receive a notice or bill from Grant and Weber so I left them a message on their web portal asking why they put this on my credit report and received no call or response. On XX/XX/XXXX, I called Grant and Weber and was put on hold for a very long time and then got disconnected. On XX/XX/XXXX I sent Grant and Weber a letter requesting verification of debt from the original creditor. The letter was sent to them via certified mail and signed for by a person named XXXX tracking number XXXX XXXX XXXX XXXX XXXX and signed on XX/XX/XXXX.  Today is XX/XX/XXXX I have checked my credit report and the negative collection account remains on my credit reports negatively impacting my credit score. I have not received anything verifying this debt and do n't know what this is for. In my letter I asked to to verify the debt from the orginal creditor and to clean up my credit reports. I currenlty have a XXXX score with XXXX that I have worked very hard to maintain.
Complaint sub-issue: Funds not handled or disbursed as instructed

they blocked my account for no reason. This lady was being unethical and my son reported her and she is upset and place my account on hold for now almost 30 days for no reason. They have been provided all information and still have placed a hold on our account.
Complaint sub-issue: Problem making or receiving payments

On XX/XX/2022 I ordered product for a company web site. I was asked to transfer funds using XXXX on my US Bank saving account sum of {$280.00} dollars, When I asked the company for shipping information using email ( XXXX ) got no response from the company, Tried a few times to contact them via chat on their website and no response. 
Contacted the person that I sent the money too and she " said I do not have your money ''. 
Someone named " XXXX '' has it and she can not provide information. XXXX XXXX email XXXX. 
Her email is not valid anymore and the web site is shut down. 

Thank you for any thing you can do to recover any of the funds sent. The bank can do nothing. 

Best regards, XXXX XXXX
Complaint sub-issue: Billing dispute for services

On or about XX/XX/2020 Sears/Citi Bank charged ( my personal checking ) XXXX XXXX for a fee of {$2.00} Please note that this account is set up on the auto reoccurring payments. I have verified this fact and it has been in place before the account was ledgered for the {$2.00} debit originating from XXXX grocer. The fact remains that the deferred amount was deducted by  SEARS /CITI and a positive remark was recorded on the ledger. However, shortly there after and for reasons unknown this charge would be returned, reflecting a negative remark? This must be a technical glitch which resulted in this creditors failure to insure solvency and continuing to bill my bank!

Today I pulled my credit report and the negative 20 points that resulted from this billing glitch is behind my complaint today. I took steps to contact the Banks representative ( s ) and was informed ( By the auto attendent ) that the bank could not understand my request
Complaint sub-issue: Debt was paid

The account in dispute is with Citibank which sold the account to XXXX XXXX. 

The settlement was initiated in the amount of {$3000.00}. Citibank received a check # XXXX in the amount of {$3000.00} dated XX/XX/2019 on my behalf from XXXX, XXXX. In the note, it references Account # XXXX XXXX XXXXXXXX. 
The check ( # XXXX ) was deposited by Citibank on XX/XX/2019. 
I have a copy of the deposited check that shows proof of payment and deposit. Citibank has refused to acknowledge this payment. I have repeatedly asked Citibank to rectify this matter and they have refused to. Their response is they have to record. 
Citibank illegally sold this account to XXXX XXXX. They have continued to report false data. I have repeatedly informed XXXX XXXX that they are attempting to collect a debt that has been successfully paid. This is having an adverse effect on my credit and both companies refuse to properly reconcile this matter.
Complaint sub-issue: Problem during payment process

XXXX has been non-compliant with removing the unverified account ( XXXX XXXX XXXX XXXX XXXX ) which has been deleted by XXXX and XXXX. XXXX   and XXXX  have both completed their research and determined that ( XXXX XXXX XXXX XXXX ) was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a credit inquiry on my credit report that I did not authorize from XXXX XXXX XXXX dated XX/XX/2017.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXXXXXX 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 account is Also closed but remains visible and harming my credit score
Complaint sub-issue: Information is not mine

DOB : XX/XX/XXXXSSN : XXXXFile # XXXXDear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX Account XXXXPlease block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX
Complaint sub-issue: Report provided to employer without your written authorization

I have a hard inquiry on my account from XXXX. I never used XXXX and never agreed to checking my credit from XXXX on XX/XX/2016.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX Bank XXXX made an inquiry on my file XX/XX/XXXX, and XX/XX/XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX XXXX made an inquiry on my file XXXX XXXX XXXX Bank XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX  made an inquiry on my file XX/XX/XXXX XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX Bank made an inquiry on my file XX/XX/XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX XXXX Bank made an inquiry on my file XX/XX/XXXX XXXX XXXX made an inquiry on my file XX/XX/XXXX XXXX  made an inquiry on my file XX/XX/XXXX XXXX XXXX  made an inquiry on my file XX/XX/XXXX, and XX/XX/XXXX XXXX
Complaint sub-issue: Fraudulent loan

I HAVE FILED WITH FTC, I HAVE WRITTEN EQUIFAX 12 TIMES AT LEAST AND CREDITOR NEVER RETURNS MY CALLS NOR CORRESPONDENCE BY MAIL ...
Complaint sub-issue: Problem with statement of dispute

A horrible company keeps trying to put an erroneous debt on my credit report ( XXXX of XXXX, XXXX ). I have disputed with the XXXX AG office, XXXX and XXXX. All have never received value info from this company and deleted the information from my credit report. However, Equifax is not reporting correctly. They show a statement " Consumer disputes this information '' and are showing a " reporting date '' of XXXX!! I cleared this mess up in XX/XX/XXXX! I have no idea why Equifax is not deleting the item which is hurting me financially, instead of putting some statement on as if I have not proven I do n't owe OR XXXX has proven that I do. Why are the allowed to make me look like a deadbeat and not delete this information? Equifax has shoddy reporting and I want this OFF of my credit report. I 'm attaching the previous letters & my complaint number with my AG office from over 2.5 years ago. I will also file a complaint regarding XXXX.
Complaint sub-issue: Transaction was not authorized

Previously approved for charges and sent a notice of denial and requested to re open on XXXXXXXX XXXX XXXX XXXXXX/XX/2002 yet no response yet