Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Deposits and withdrawals

On Sunday, XX/XX/2018 I deposited ALL my money ( Cash ) into a Citibank ATM outside a bran in the city of XXXX, CA. Instead of crediting my account an error message on the screen and receipt appeared saying I'm sorry. Because of technical problems, I can't return your cash right now. The receipt did not even state how much I had deposited so I Immediately panicked. This is all the money I had in the world and losing this money will hurt me in so many ways. Since it was a Sunday I could not go into the branch and speak to someone so my next move was to call the customer service number listed behind the debit card. Customer service was only able to start a claim that could take 45days to be resolved and 10 days to see any credit in my account. Keep in mind that these are business days so it could be minimum of 2 weeks before I get any credit in my account. Unfortunately, I live check by check and it is the beginning of the month so rent and most of my bills are due. After standing next to the ATM for about an hour trying to get customer service to credit my account I finally have to leave. That night I could not sleep stressing over my financial situation. Finally the next days I decided that I had to go into the branch to speak to a manager to try to resolve this issue. This caused me to have to go to work late and lose hours not to mention how embarrassing it is when the bank teller accesses my account and sees that I have XXXXcents available in my account. After finally explaining to the teller my  situation the bank teller tells me that that ATM has been having tech issues after someone had attempted to deposit quarters. I asked the teller to get me the manager so we can resolve this only to find out that there was no acting branch manager in that location and that no one in the bank can access the ATMs to count the money. Teller then refers me to call customer service who then refers me to the branch. I was there for about 2 hours getting the run around until I had to leave to work. As of today Im overdrawn in my account, I have no gas, I do not know what my wife, daughter, and myself are going to eat tonight. I have called customer service every single day since multiple times a day asking to speak to the investigating unit but only get the run around. They tell me to speak to the branch and the branch tells me that they cant help me. They dont seem to understand the stress this has put on me and my family. I have no acquired late fees and to top it off my car broke down. If this wasnt an emergency I would not be going this far but it is. I have a family and have no money due to a technical error from Citibank. It is now XX/XX/2018 and I still have no funds and yes it has only been 3 days but I dont have any other money and my family have now been eating cereal and eggs since Monday because of this. I need help.
Complaint sub-issue: Was not notified of investigation status or results

i sent a letter XX/XX/2020 with no response what is taking so long under federal law its been pass the statue of limitation and it should be deleted
Complaint sub-issue: Their investigation did not fix an error on your report

It is obvious that my Identity is combined with someone else 's information in my written statement. Equifax has refused to correct the incorrect reported information activity in my Equifax credit report in over a year. Despite my many requests regarding several credit reporting errors in my Equifax Credit report and Credit score. ( Please see my detailed attachment statement ).
Complaint sub-issue: Personal information

I have contacted Equifax several times regarding my personal information. I have asked several representatives to update my mailing address as well as my name on my report. I went through the report and they assured me my information would be updated. Even I received my new credit report, the names and addresses I asked to be removed were still showing.
Complaint sub-issue: Account status incorrect

I am writing in dispute to the payment history reported from XX/XX/2017 through XX/XX/2017. During XX/XX/2017, XX/XX/2017, and XX/XX/2017. I paid as agreed per a Trial Payment Plan ( TPP ), a partial payment agreement, which was supposed to be reported to the Credit Reporting Agencies ( i.e. XXXX XXXX, and XXXX ). According to the recent credit reports I have received and my communication with each agency by phone, this information was not disclosed by LoanCare. Instead, due to the partial payments, my payment history reflects 60+ and 90+ days late during the aforementioned period. 
I have a copy of the TPP that I signed and that was approved by Loancare, with highlighted statements. On page 2, bullet 7, it states Please note that except for your monthly mortgage payment amount during the TPP, the terms of your existing note and all mortgage requirements remain in effect and unchanged during the TPP. On page 2, the 3rd bold section under Additional Trial Payment Plan Information and Legal Notices state, Your current loan documents remain in effect ; however, you may make the Trial Payment Period Payment instead of the payment required under your loan documents. ( I also have monthly statements from XX/XX/2017 showing the dates these payments were received. ) Despite the acceptance and fulfillment of this TPP, and despite reassurance from 3 different LoanCare representatives each month that I personally made the TPP payments by phone, I have incurred 60+ and 90+ late payment marks on my credit report with LoanCare. The TPP document clearly states that I may make these partial payments ; the TPP payment agreement is the exception, but all other mortgage requirements remain in effect.
Complaint sub-issue: Didn't receive enough information to verify debt

Within the past two years, I have received collection notices from several companies representing a debt with XXXX. I have disputed with all of the companies and now they have, once again, placed the account with another collection company by the name of AFNI. The XXXX collection efforts violates the FDCPA federal debt collection practices act as they are stating that this debt needs to be paid or threatening legal action if I don't. I have not had any dealings with XXXX or its subsidiaries in over 13 years. These debts, if any, are time-barred. Additionally, they continue to harass me to make payment by phone and mail multiple times. Furthermore, they are also in violation of FCRA laws as they are inaccurately reporting this debit on my credit which has caused a negative impact on my score.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX Showing Past Due on a closed account and getting notification for late payments. Past due balance on all 3 reports inaccurate XXXX {$66000.00} {$66000.00} XXXX How can I be late on a close account. REMOVE ACCOUT FROM REPORT. Date of last active on the account inaccurate XXXX, XXXX, Equifax-XX/XX/XXXX. Only lived at XXXXXXXX XXXX XXXXXXXX XXXX, OK XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have requested the indebtness in its original form which it basically a consumer contract with my name signed on that contract. I also asked for information used to verify their dispute which includes the creditor, the person that verified the information with them, the address and the telephone number in order to receive and know how this verified inaccurate account was produced in my credit account. They have failed in numerous account to do so. I have sent letters on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 asking them to send the original consumer contract with my name signed on it to verify this inaccurate unverified account however each time they have neglected to provide me with the information requested. Not only have I asked them to show proof of this unverified account and I have asked to have this deleted immediately according to the FCRA rights I have. They removed the account from my report but then stated on XX/XX/2019 my balanced increased. The name of the creditor US Department of Education/XXXX partial account number XXXX.
Complaint sub-issue: Account information incorrect

Equifax reported on my credit report that my XXXX XXXX balance is {$380.00} reported by XXXX XXXX on XX/XX/22, however XXXX XXXX said they report each month on the XXXX and the balance reported on the XX/XX/22 was {$110.00}. Why are these credit bureaus allowed to report wrong information that affects us? The credit card balances are 35 % of our XXXX score which in turns damages our ability to buy a home, car, loans etc. The employees are incompetent they can not answer questions, most I spoke with can barely speak English. This is unfair to American citizens that pay taxes in this country.
Complaint sub-issue: Reinserted previously deleted info

Equifax since opening the case with you has reinserted negative inquiries effecting my credit score. More than XXXX it makes it even more difficult to make any sort of effort in maintains health credit to take care of me and my family. XXXX Even though the child support case for XXXX is no longer valid and was only taking XXXX dollars a month because it was know to be fraudulent Equifax still reports it and causes me to be XXXX percent debt to credit. I have submitted police reports IRS affidavits ftc reports to let them know to remove it for months and and they ignore me. Credit affects people 's lives more than anything and they should be hold accountable under those federal laws.
Complaint sub-issue: Attempted to collect wrong amount

In 2017 I entered into a consumer transaction with XXXX. Since then I have learned that fraud has been committed against me. 
XXXX XXXX is in violation of breaking a number of consumer protection laws, including but not limited to : 15 USC 1635- Right of Recession. This was not included in my contract 15 USC 1605 ( a ) and 1605a ( 5 ) Finance Charge is the sum of all charges. I was charged, in addition to a finance charge a down payment and additional GAP insurance and fees.

I have signed and notarized all complaints and sent Certified mail to t
he of XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have called flagship and have not received a straight answer as to why my account shows 90 days past due. Shows my last payment to be XX/XX/XXXX. I have filed disputes with transunion. I filed a complaint with the BBB and my account was current for a week and then it was reported back to 90 days past due. These past due payments are affecting my credit score. I have been making payments and Im actually payed ahead by about {$200.00} dollars. I continue to file disputes and nothing changes and I dont know why? If you look at the payment history nothing for XXXX is updated.
Complaint sub-issue: Problem accessing account

Credit Karma did not send me a email letting me know that they locked my account. I had decline transactions which was weird because I have money in the account. I called they said its locked because they need to verify me. They requested my bank statement from my other bank account and ID. I provided the details they needed to verify me on XX/XX/2021. Its now XX/XX/2021 and XXXX still getting the run the run around about my money that I worked hard for. Then they told me when my check come it will reverse back to my job. But my check was deposited and doesnt show in my available balance my money prior to my check deposit suppose to {$810.00} and with the check that said it was deposited in the XXXX in to the account amount is {$790.00} all together the total amount should be {$1600.00} and it doesnt sh that. Then I kept asking how long because I have bills to pay and theres has yet to be resolution. They said once I sent in documents it will be resolved and it has yet been resolved.
Complaint sub-issue: Account status incorrect

I've recently reviewed my credit report and noticed late payments on my account. I have never been late paying my account, and I would like to have these late payments removed.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 4. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. DEPT OF ED on XX/XX/XXXX XXXX Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Complaint sub-issue: Information belongs to someone else

Today XX/XX/XXXX I just found out that my social security number was used to open a account at XXXX XXXX XXXX # XXXX OPENED ON XX/XX/XXXX $ N/A I have never opened this account with my personal information nor have I given anyone permission to obtain any vehicle or purchase from this company. I have not received any type of goods or ever benefitted from this account ever being open. I do not know who used my personnel information and I have filed a police report to my local police department I XXXX XXXX have sent more than enough supporting documents to have this account removed.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Didn't receive enough information to verify debt

Enhanced Recovery Company at XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collection notices in the amount of {$1000.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company.
Complaint sub-issue: Debt is not yours

Equifax is reporting a collection on my credit file and its not my collection the collection is XXXX XXXX XXXX.
Complaint sub-issue: Card opened as result of identity theft or fraud

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX XXXX, GA XXXX PH :. XXXX PH : XXXX EM : XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth XX/XX/XXXX SS # : XXXX TO : * Consumer Financial Protection Brueau * Department of Veteran Affairs, Office of the Inspector General My name is XXXX XXXX XXXX, I 've received another email from Discover Card in my XXXX email, past emails from Discover Card were unautherized deletions. I do n't and have n't ever had a Discover Card nor any accounts through Discover Card Bank. 
From : Discover Card XXXX To : You XXXX Date : XX/XX/XXXX XXXX XXXX Thank you, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to r=the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$3100.00} XXXX  XXXX XXXX Balance : {$440.00} XXXX XXXXBalance : {$0.00} XXXX  3445466289PA0****Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX / XXXX XXXXBalance : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Complaint sub-issue: Account status incorrect

Discover Bank, Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation. And if that wasn't enough, the provisions include criminal penalties of up to five years in prison, and the revocation of licenses.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I filed a dispute on with Equifax in regards to an inaccurate debt on my credit report by XXXX XXXX. The dispute number is # XXXX. I did this through the Equifax website. ( Picture will be include from their website. ) On XX/XX/XXXX, I emailed Equifax requesting a response, since I never heard from them. ( Letter will be included ) This letter included a statement sighting that the Federal Trade Commission requires a response in 30 days and I will file a complaint if no response is made. Still today XX/XX/2021, I have not received a response from Equifax. This is over 90 days. On their website, under my login, it still states under investigation for dispute # XXXX. 

Today, I called Equifax. I have tried to call in the past, but I either had insane hold times or was disconnected. Today, I had the unfortunate experience of actually talking to a customer service member and her supervisor XXXX for an hour and fifty minutes. I am sorry I did not get the first representative 's name. 

According to both the Equifax representatives, the dispute was solved on XX/XX/2021. I explained to both of them, I never received any response. I did not hear from them by phone, email or mail. Also, their own system still shows under investigation. XXXX said I know we have an issue with our website not updating. I told him, that they have to show me a response within 30 days. XXXX stated he will try to send me an email showing the investigation was completed on XX/XX/XXXX. I explained it does not matter, you did not tell me within 30 days. Equifax still shows under investigation on their website. We finally ended the conversation with XXXX informing me, he is unable to even send me an email now to show investigation results. " I keep getting an error message. '' XXXX  said it may take 72 hours, to resolve this issue and I can see Equifax 's investigation results. Again, I explained to him that the FTC requires a response within 30 days, and Equifax still can't show me this and it's been over 90 days. XXXX would not remove the items off my credit report. XXXX insisted there is nothing he can do. XXXX also said that they have been aware of the website not updating for some time. So even with this information, he would not remove the complaint even though the knows their website is not working. He did not have a reason on why they did not response to my email on XX/XX/2021. 

Any help you can offer to fix this investigation would help. This credit company has single handedly ruined my credit.
Complaint sub-issue: Account information incorrect

On XX/XX/2021 I sent a letter to XXXX  and Equifax requesting for further review as to why the US DEPT OF ED still reporting payment history on a " Charged off Account '' the section that shows late payments and CO should in fact be removed per the FCRA and FTC.
Complaint sub-issue: Their investigation did not fix an error on your report

Since XX/XX/2021 XXXX XXXX XXXX and XXXX XXXX investigation has only been updated but no documentation or proof of Method of verification has not been verified. XXXX XXXX XXXX has been re-aged and this is a direct violation of the FCRA and the bureaus are not removing this inaccurate erroneous accounts from the credit profile. I would like these accounts to be removed immediately. Attached are the disputes that were sent to the bureaus.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.
Complaint sub-issue: Company closed your account

On XX/XX/XXXX I accidentally paid off the full balance of the account. I recently sold real estate and had cash on hand and was attempting to make larger payments against my revolving credit. On XX/XX/XXXX I received notice that my account was closed. I called the company and they advised it was closed to to credit concerns. I was maxed out on my revolving credit, had collections, and delinquencies. I advised truthfully that this had been the case for over 5 years. I advised that I was trying to correct this issue by making larger payments and paying off a significant portion of that debt. They advised they would not reverse the decision. I have been a customer if the credit card for over 20 years. They incorrectly received the full balance and therefore made the decision to close the account. Extremely predatory lending. Advised that the payment was incorrect I would be disputing it with my bank and they needed to reopen the account. They advised they would not. They stated that I could reapply. I advised was not an option. They refuse to correct the situation. Very frustrating and just a sign of the times with these predatory Lenders these days.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX Account # XXXX, have violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A States Section 2 : It also states a consumer reporting agency can not furnish without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.