Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with fees

We had two ( 2 ) accounts with Citibank. 
They closed one of our accounts around XXXX, so we have only one active account with them. 

On XX/XX/XXXX and XX/XX/XXXX, they applied our payments ( {$860.00} and {$610.00} respectively ) to the CLOSED account that has no activities to offset which resulted in interests on our CURRENT account. 
Upon discovering the error, we made double payments to current account in an attempt to minimize interests charged. 

We have made repeated attempts to rectify this error and they credited one small amount ( {$19.00} ). 
We feel we should be reimbursed for the full amount ( {$75.00} ) as this is their error and we have been paying on a timely manner. 

{$94.00} - {$19.00} {$75.00} They have refunded us a check of {$1400.00} ( {$860.00} and {$610.00} ) on XX/XX/XXXX rather than apply it the proper current account that may have triggered a reversal of these interests.

Their last response was their denial of full refund. 

I will attach copy of their response along with our research which should be easy for them to verify.
Complaint sub-issue: Problem accessing account

PNC bank has made a change that prevents me from linking my bank account to my investment account at XXXX. I've attempted several times to log in, but keep receiving the message that PNC is not going to allow me to access the account. I'd like the be able to access my financial data and spend my money as I would like by investing!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2022 my email was hacked and my credit report was hacked. Although I am a XXXX XXXXXXXX account holder a fraudulent inquiry was made on XXXX of 2022, I did NOT authorize this inquiry. The inquiry is fraudulent and XXXX XXXX has promised on several occasions to remove the XX/XX/2022 inquiry but have failed to do so. The XXXX inquiry is fraudulent and violates the FCRA. The credit reporting agencies have refused to remove the inquiry as well.
Complaint sub-issue: Was not notified of investigation status or results

Credit bureaus failed to positively verify collection accounts. Credit bureaus did not provide me a copy of verifiable proof for alleged accounts listed below Equifax ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX ACCOUNT # XXXX XXXX  XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

The attached document account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent, misleading, deceptive, not my account, and I did not give consent, permission, or authorization for the account documented in the attachment. The record shall be removed as it does not meet the follow, that I shall invoke for the removal of this XXXX XXXX XXXX XXXXXXXX account : Please remove all of the inquiries as stated above, as they are listed below from XXXX report XXXX The Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act, the right to invoke my constitutional rights, religious views, all applicable amendment rights, and other. The accounts I am disputing is attached below.
Complaint sub-issue: Problem making or receiving payments

I have been with PNC bank since XXXX and have used their bill pay system to make reoccurring payments and one time payments. I did a one time payment to my association for {$25.00}. On XX/XX/XXXX I received an e-mail that my account was overdrawn. I had plenty of money to cover it so I called that evening. I was told that on top of my checking account I knew about, there was another checking account and savings account that I never knew about opened when the account I knew about was. There was never any funds or activity in these 'extra ' accounts but PNC sent the check from one of these with no funds. PNC assured me they would remove the fees and close these extra accounts to ensure this would not happen again. The next day my App looked different and I sent the {$25.00} again. The same thing happened! This time I went to the bank and spoke to XXXX XXXX and she said she saw that I called and that and they again would waive the fees and make sure the accounts were closed but it would take a couple of days. She told me to transfer {$25.00} in the 'extra ' account which I did in front of her with my phone. Yesterday I got a call from the bank where I was told they weren't waiving the fees and there was nothing I could do about it!
Complaint sub-issue: Public record information inaccurate

Equifax is reporting 2 public records both for {$0.00} and both items does not belong to me.
Complaint sub-issue: Debt was paid

Discover Is attempting to collect on a debt I do not owe. This debt had been paid off, and they are still showing a balance.
Complaint sub-issue: Personal information

My problem is with eqifax they recently have started reporting wrong year of birth & wrong address. They sent me forms to correct but there forms are not for correcting year of birth nor address. Also they have no current report at all, it 's all old items, none of my current credit! Which makes it like I have absolutely no credit! All the other reporting agencies XXXX & XXXX are correct! Have tried to talk to someone and they keep telling me to fill out the dispute form, I keep telling them that their form is not formatted for this type of correction. Nor are the forms formatted for these corrections online. They outright refuse to correct it!
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX, XXXX, I obtained credit report from Equifax and submitted a dispute for investigation. 
Equifax report confirmation number XXXX Dispute Confirmation # : XXXX Expected completion date : XXXX/XXXX/XXXX ( Estimated ) XXXX XXXX through XXXX, after the 30 days allowed by law had passed, I was unable to obtain the results of the dispute investigation online or over the phone due to nonworking online/automated systems of Equifax. Additionally, no response was delivered by mail. 

Equifax failed to respond within 30 days and continues to violate my rights.
Complaint sub-issue: Debt is not yours

# XXXX account this account is NOT mine! I have contacted Equifax over 18 times to remove this account that isn't mine. They show no proof of where they verify this. I have even sent them a hard copy of proof showing this isn't mine.
Complaint sub-issue: Didn't receive enough information to verify debt

In response to complaint no. XXXX. The Consumer Financial Protection Bureau has communicated that Deutsche Bank has implied " the complaint does not belong to them ''. See attached XXXX XXXX naming Deutshe Bank, but most importantly see COMPLAINT naming Deutsche Bank. If you carefully review the complaint filed on XX/XX/XXXX, you'll find that the loan modification naming XXXX was unrecorded. See also recorded copy dated XX/XX/XXXX. If you can read XXXX than you know the complaint NAMES DEUTSCHE BANK AS THE MOVING PARTY IN THE FORECLOSURE ACTION. DID WE MISS ANYTHING HERE CONSUMER FINANCIAL PROTECTION? DID WE? Deutsche Bank now wants to minimize their involvement on this case because a complaint has been filed with the XXXX XXXX OF XXXX FLORIDA IN CONNECTION WITH PUBLIC CORRUPTION. DEUTSCHE BANK LEGAL COUNSEL ILLEGALLY RECORDED THE INSTRUMENT. BANKS LEGAL TEAM ENGAGED IN PUBLIC CORRUPTION WITH THE XXXX XXXX XXXX The bank has been evading the taxes due on Intangible instruments. See loan modification dated XX/XX/XXXX, the lender did not pay the imposed taxes by the state until XX/XX/XXXX. That's tax evasion. You paid the taxes on XX/XX/XXXX because our legal counsel made the court aware on XX/XX/XXXX, when we moved for summary judgment against you, otherwise it would have never been paid!!!! ( 9 years passed!!! ) Your legal counsel became disparate and illegal filed the instrument. XXXX XXXX XXXX office will not accept copies of mortgage but original and reflecting original notarization. The instrument was even notarized yet it was filed. Your legal counsel caused to pay someone at the XXXX recorders office to have recorded the instrument illegally. Please know that the matter is being investigated by the DOJ because the issue falls under public corruption. You and your fraudulent legal counsel should know that in the UNITED STATES OF AMERICA the only thing for sure " DEATH AND TAXES ''. No one in our Country can evade taxes & engaged in public corruption, then tell the court we have standing. You are full of XXXX Deutsche Bank and everyone in your organization. The treasury and multiple agencies are reviewing multiple complaints against you for public corruption.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Reporting Act, 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 an account without my written instructions.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Complaint sub-issue: Trouble using the card to spend money in a store or online

I purchased a XXXX  debit card from XXXX. I tried to make a purchase for the amount on the gift card and it continued to decline. I called the company 3 times and they were not helpful or supportive. They tried to tell me the merchant I was paying through was saving my information. Each time I called the merchant they stated they were not saving the information. During the third phone call, I called the merchant at the same time I was talking to them to ask the merchant and XXXX to communicate. The merchant continued to say they were not saving my information and XXXX  continued to say they were. There was no resolution and I spoke with XXXX  for over an hour on the phone, with them finally agreeing to send another gift card in the mail, which will take 7-10 business days. My concern is that I will have the same problem when I receive my new card.
Complaint sub-issue: Debt was paid

On XX/XX/XXXX I paid XXXX XXXX a debt collector for CITIBANK a settlement amount of XXXX to settle the debt in full. I then sent a dispute through the credit bureaus XXXX and XXXX, I attached the receipt from XXXX confirming my payment and settlement of debt. I then received a notification from XXXX that CITIBANK has verified the information as being accurate, meaning that the 219 balance on my report stood, with no change in balance resulting from the settlement that was done on XX/XX/XXXX. CITIBANK refuses to update the correct amount, I've called several times, an either get pointed in the wrong direction or hung up on. Along with the receipt I've attached my statement from XXXX XXXX showing on XX/XX/XXXX a payment of 100.00 dollars was made.
Complaint sub-issue: Deposits and withdrawals

PNC paid my check # XXXX twice, on XX/XX/XXXX and XX/XX/XXXX. They refuse to refund the double debit because of " the age of the item ''. They told me this in a letter dated XX/XX/XXXX. I asked them what they do to protect my account from duplicate payments and the personal banker at the XXXX XXXX branch said it was my responsibility to collect overpayment from the payee?
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/2020 I disputed the XXXX XXXX  entry reflected on my credit reports with Equifax and XXXX  Credit Bureaus. Both bureaus alleged that XXXX had verified, yet not validated the debt. To that end, in XX/XX/2020, I sent XXXX a dispute letter requesting debt validation ( See attached copies ). XXXX is in receipt of the letter due to me not ever receiving it back as returned or undeliverable ; however, to date, they have opted to not respond. 

This is a blatant violation of my consumer rights given XXXX never sent me a dunning letter prior to inserting this derogatory entry on my credit reports. I have never done business with this company. Additionally, the reporting among Equifax and XXXX  differs. The continuous negative reporting of this entry on my credit reports does not reflect my creditworthiness and has led to me being denied credit. 

Since XXXX did not provide : An agreement that states their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt How then are they reporting this information as if it is accurate? 

I am requesting that this entry be deleted/removed immediately from my credit reports due to their failure to follow FCRA, FDCPA, and FDBA.
Complaint sub-issue: Can't decrease my monthly payments

I defaulted on my student loans due to limited income and part time employment.
Complaint sub-issue: Debt is not yours

The collection agency knew the amount was in dispute and still reported to the collection agency that I owe the debt. The collection agency sent me a paper that clearly says XXXX   XXXX is 100 % responsible for payment. I did not agree to pay for any services since I did not request it and I was fully insured by XXXX XXXX. I am requesting they remove the debt from my credit reporting agency and or clearly mark this debt is in dispute by customer. 

The collection is in bad faith and unethical knowingly reporting a debt it knew I was placing in dispute. IMMEDIATE ACTION IS REQUESTED!
Complaint sub-issue: Information belongs to someone else

I have a lot of credit inquires that do not belong to me. I have spoken to the credit bureau and provided them with a police report and the inquiries have not been removed. The following companies and pulled my credit without my knowledge : XXXX 2017, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I would like these to be removed from my consumer report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX has XXXX 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 an account without my written instructions
Complaint sub-issue: Information belongs to someone else

I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically get approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report : XXXX, XXXX, XXXX XXXX XXXX IXXXX. Also there are inquiries on my report I did not authorize as well : Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are handled

They are not applying my payment correctly to my account. My account interest that should be charged to my account is 3.5 %. They are applying my payment more to interest than to principal. My last payment of {$140.00} was applied with {$75.00} in interest and only {$66.00} towards principal. This has been a recurring theme since I have been with them. FYI, I have not missed or been late with any payments with them.
Complaint sub-issue: Personal information incorrect

I have been reaching out to Equifax to get this resolved since XXXX. When trying to obtain new credit Im having problems being verified because my DOB shows up as XX/XX/XXXX ( my dads birthday ) when my DOB is actually XX/XX/XXXX. I was in the back of an ambulance before and my birthday was incorrect in their system. When I attempted to contact Equifax directly to resolve the issue they told me they saw no problem. This is hindering me big time in obtaining anything in correlation with credit. Please help!
Complaint sub-issue: Account information incorrect

Upon reviewing my credit report on Equifax and XXXX I notice that both companies are reporting not only inaccurate information. They are reporting two different things as well for a previous account that I had with XXXX XXXX. I have disputed this account with both companies previously and nothing has been done. This in fact is a violation of my consumer rights according to the FCRA. As a result I would like for the above mentioned companies to remove this account from my credit report IMMEDIATELY. 


I am really outraged that I have been going back and forth with the credit reporting agencies about this account for sometime. If nothing is done about this I will be forced to take legal actions and will exercise my consumer rights and file a lawsuit
Complaint sub-issue: Debt is not yours

I found out that this was a collection debt for XXXX XXXX which is an animal hospital. I do not have nor have I ever had a pet and I notified the collections agency. I reported that this was a result of identity theft and they are still saying it belongs to me without any proof.
Complaint sub-issue: Reporting company used your report improperly

My information was reported to the credit agency without my consent.
Complaint sub-issue: Investigation took more than 30 days

I sent i a complaint on XX/XX/21 but since i didn't put in an e-mail. I can't see the status. I sent a dispute to all 3 credit reporting agencies and they didn't respond in 30 days.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Public record

i have a on my account a credit card account that was part of my bankruptcy and it should have gone a way but its is still reporting and it is reported as closed the card is XXXX the last time it has reported XXXX XXXX so it goes buy this when it should have been gone XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

I've had prepaid cards to build nothing less not more had a split account once but was removed have had felens that could matter need help then please
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently conducted a review of my credit report, and I noticed that your agency showed XXXX ( XXXX ) and XXXX XXXX XXXX credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. An unauthorize hard inquiries by XXXX XXXX XXXX on XX/XX/XXXX, and XXXX XXXX, XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX, and XXXX XXXX XXXX   and requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4300.00} ; XXXX XXXX XXXXXXXX Balance : {$830.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} ; XXXX XXXX  XXXX Balance : {$220.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX & XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I forwarded a letter to the 3 Credit Bureaus dated XX/XX/2022 to update this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # 's XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$3800.00}
Complaint sub-issue: Problem getting my free annual report

I have been unable to get my Equifax credit report for two years now ( last report obtained XX/XX/XXXX ) because I am unable to get past the online verification questions, even though I answered them correctly. I never had a problem prior to XX/XX/XXXX, nor have I had a problem with XXXX or XXXX. I do not want to send my personal security information through the mail and they do not offer a phone option. My last attempt to get my Equifax report was today, XX/XX/XXXX.