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

I have a high interest online savings account with Discover Bank. On XX/XX/XXXX, Discover " froze '' my account, denying me access to any account information and more importantly, freezing my funds. I have been trying for over a week to communicate with Discover Bank, to no avail. They have no email address, and when I call, wait times have consistently been greater than two hours. Worse, when on a few occasions I have finally gotten through to a human, I am told that they can not help me. I am then transferred to a dead line, or put back in the 2 hour cue. 

I am in the process of buying a home and it is time sensitive that I have access to printing my account statements, and access to my funds. I have used the app, using biometrics to log on, from my personal cell phone, and still am locked out. 

Discover Bank 's only attempt to reach me has been a mailed letter, again instructing me to call the phone number, that has no answer. My funds have been made unavailable to me, held by this bank, without any explanation or path to resolve the problem.
Complaint sub-issue: Account status incorrect

Jefferson Capital Systems is reporting a debt on my file that I do not owe. I recently took a look at my file and noticed this debt is still reporting. This debt is past the statute of limitations in the state of Utah and past the credit reporting limit. I ask that they please remove the account from my file or I will have no alternative than to exercise whatever rights and remedies we have under the law to enforce the removal of this debt.
Complaint sub-issue: Account status incorrect

The loan with XXXX was paid on XXXX, however it continued to be reported that I had 2 auto loans out at that time. My FICO score was well over XXXX prior to getting the new loan. My score is in the mid XXXX now! Apparently the other two credit bureaus have NO SCORE for me according to your site that I was just on? 
What in the world is going on?? I can not even attempt to purchase anything with this XXXX  score!! 
Do the 3 bureaus share information?

Please help!! Thank You
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX ( Finance ) - XX/XX/2021 I did not authorize this hard inquiry that is on my credit report.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX {$500.00} disappeared somewhere between the time I transferred it from my Scottrade Brokerage account and my Scottrade Bank account. The company said that they had a technology " glitch '' that day, and after five phone calls and many hours on the phone with them the money is still missing.
I had intended to transfer {$500.00} that I had as a cash balance in my brokerage account into my Scottrade bank account. Initially the transfer went through ( from brokerage to banking ) because my cash balance of {$860.00} was more than {$500.00}. But by the end of the day the transfer was reversed and the {$500.00} disappeared from both accounts and was never returned.
The next day I successfully transferred {$350.00} from brokerage to banking, and I should have had {$510.00} as a remaining balance. My electronic statements however were apparently " fixed '' by someone, and cash balance changed to {$0.00}. A review of my statements shows the {$860.00} balance on the last day of XX/XX/XXXX suddenly changing to {$0.00} on the first day of XX/XX/XXXX.
Somehow Scottrade insists that I owe them the missing {$500.00} ( the {$12.00} is also still missing ). I traded some stocks since then, resulting in a new brokerage cash balance, and today ( XX/XX/XXXX) they illegally raided my Brokerage account and took another {$500.00} from my brokerage account to replace the money that they lost during their computer glitch/technical error.
Bottom line : they had a technical glitch and money disappeared from my account. Their bookkeeping reveals that they manually tried to cover-up their error.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed a number of disputes with Equifax regarding erroneous information appearing on my credit report, specifically a " charged off '' balance of {$XXXX} from XXXX XXXX XXXX due to identity theft. Each time they have responded back with a resolution putting the information back on my credit report, simply stating that the company has verified my identity and correctness of the item and told me I need to contact the creditor, though the account number that Equifax has given me does not exist when I call the creditor, therefore I am in a Catch XXXX regarding this item.
Complaint sub-issue: Problem during payment process

On XXXX, 2017 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVE BEEN DISPUTING SEVERAL ACCOUNTS WITH XXXX AND EQUIFAX FOR OVER 6 MONTHS YET I CONSTANTLY KEEP GETTING UPDATED " RESULTS '' WITH NO CHANGES OR PROOF OF AN ACTUAL INVESTIGATION. THESE ACCOUNTS THAT I HAVE REPORTED TO THEM ARE IN FCRA VIOLATION AND NEED TO BE DELETED FROM MY CREDIT REPORT. I HAVE SENT DISPUTE LETTERS WITH ATTACHED PROOF OF THE ERRORS YET THESE ACCOUNTS REMAIN.
Complaint sub-issue: Problem lowering your monthly payments

I enrolled with XXXX XXXX for a year and I made payments every month but I just found out that none of my payments were going towards the loan. XXXX XXXX student loan forgiveness program made false promises that I could permanently reduce my XXXX monthly payments, they charged me illegal upfront fees. They also told me that my fees would go toward their student loan balances, which wasnt true.
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute in regard to the incorrect items on my credit report it has well over 30 days and I received any investigation results.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$240.00}
Complaint sub-issue: Debt is not mine

In XXXX, XXXX I was temporary leaving in XXXX, Where I was a customer for XXXX for the period of XXXX month by the end of XXXX I closed the account and sent their equipment back in the XXXX mailer they provided. I move to my present address on XXXX XXXX, XXXX. On XXXX XXXX XXXX through XXXX XXXX XXXX went into my XXXX Consumer Report and report this account as collection for the amount of {$420.00}. I called XXXX and after speaking with XXXX customer services person XXXX XXXX XXXX, who stated that I own this amount from the services address XXXX XXXX XXXX XXXX, NY and the account was set on XXXX, XXXX with a last payment XXXX on XXXX, XXXX. I informed her that never leave in XXXX XXXX XXXX XXXX, NY. 
On the month of XXXX I placed a disputed with XXXX Consumer Report base on the information stated above was not requested by me nor leave in XXXX XXXX XXXX XXXX, NY as they indicated. The account was delete from my XXXX credit report on XXXX, XXXX as conclusion of the disputed. On XXXX XXXX, XXXX I receive a letter from XXXX XXXX XXXX where state the account was remove base on statute of limitations. 
On XXXX XXXX, Enhanced Recovery CO LLC report this account on my XXXX Consumer Report and XXXX Consumer Report making my FICO score to drop dramatically. Immediately I sent a certify letter requesting debt validation and informing that base on the Fair Debt Collection Practices Act this type of debt has Time-Barred. Therefore let this letter serve as notification that I do not wish to be contacted about this debt since a violation of the Fair Debt Collection Practices Act apply. 
Enhanced Recovery Company continue to ignore my request in this matter. Both XXXX XXXX and XXXX need to be examined for these bogus activities. My credit is good enough that I will not take the " hit '' of {$420.00} nonpayment with a notation that I dispute the charge. I am requesting an investigation on this matter and order to stop XXXX and XXXX in this spurious business conduct.
Complaint sub-issue: Information belongs to someone else

Someone has stolen and used my credit identity to apply for credit and get accounts in my name.
Complaint sub-issue: Debt was result of identity theft

received a collection letter from ic systems XXXX. called them immediately and advised them id theft from ex wife. person i spoke to gave me address and forms required to document the fraud which i sent XX/XX/17. i received a email XX/XX/17 from my credit card co. advising of XXXX XXXX decrease from XXXX which is for this debt. the amount is XXXX creditor XXXX XXXX XXXX XXXX XXXX XXXX ga. XXXX the debt collection agency ic systems XXXX XXXX XXXX mn. XXXX
Complaint sub-issue: Account status incorrect

Ally Financial is reporting a 30 day late payment for XX/XX/2018. I mailed this payment within the allowed payment period but, apparently, Ally Financial never received it. I never received notification of the late payment directly from Ally Financial, however, my credit monitoring service did send me an alert that a 30 day late had been reported to this account. I immediately confirmed with my bank that Ally had never cashed the check and contacted Ally Financial. They informed me that they had not received the payment, so I immediately ( while on the phone with them ) submitted the payment online. The agent I spoke with agreed that, given the circumstances, they would reverse the 30 day late and contact the credit reporting agencies to remove the late payment and correct the payment status. They also stated that they would send me a letter confirming their agreement to remove the 30 day late from my credit reports, however, I have never received this letter. I have contacted Ally Financial at least 6 times by phone concerning this matter. Each time, they verbally confirmed that they would remove the 30 day late but gave me conflicting information as to whether they had already contacted the reporting agencies. Again, I have yet the receive the letter they have promised multiple times.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I returned a XXXX XXXX XXXX and XXXX XXXX to the best buy in XXXX pa to the store XXXX. It went to a closed account that was stolen, that 's why it was closed. When I received my statement it came through as a general purchase. It was then minuses off, and turned into a promotional purchase. THIS WAS TO BE A REFUND FOR {$720.00}, THE TOTAL AMOUNT OF THE RETURN. THEY PUT IT THROUGH AS A PURCHASE. THEY THREATENED ME TO KEEP PAYING FOR THE ITEM EACH MONTH OR THEY WOULD RUIN MY CREDIT. SO I HAVE CALLED COUNTLESS TIMES. I SPOKE WITH XXXX XXXX AT BEST BUY CORPORATE WHO SAID HE WOULD HELP ME, BUT THEN HE SAID IT DOES N'T CONCERN HIM IT IS CITIBANK THAT I NEED TO DEAL WITH. I HAVE BEEN CALLING ALMOST DAILY SINCE THIS HAS HAPPENED, BUT NO ONE WILL HELP ME. I FILED A POLICE REPORT AT BOTH THE XXXX POLICE DEPARTMENT AND THE XXXX XXXX POLICE DEPARTMENT. AT BOTH STATIONS THE OFFICERS WERE ABLE TO SEE THE ISSUE, AND I WAS TOLD I WAS RIGHT. XXXX XXXX EXECUTIVE RESPONSE UNIT XXXX WAS THE PERSON XXXX XXXX TOLD ME I NEEDED TO TALK TO. WHICH I DID. I FAXED AND MAILED MY PROOF INTO CITIBANK SEVERAL TIMES, BUT HIS RESPONSE IN A LETTER WAS HE WAS DONE WITH THE ISSUE AND I SHOULD KEEP PAYING. HE SENT IN HIS LETTER TO ME WRONG ACCOUNT NUMBERS AND BECAUSE HE SAW A MINUS ON MY STATEMENT HE FEELS I GOT MY MONEYBACK. BUT I HAVE XXXX CREDIT CARD ACCOUNTS WITH BEST BUY CITIBANK. HE COULD N'T EVEN GET THAT RIGHT. THE STATEMENT CLEARLY SHOWS THEY CHARGED ME IN THE PURCHASES COLUMN {$720.00} FOR A PURCHASE, AND THIS WAS CLEARLY A RETURN. I DO N'T FEEL I SHOULD CONTINUE TO PAY FOR ITEMS THAT I DO NOT HAVE. THEY WO N'T CREDIT ME FOR MY BALANCE THEY SAY I STILL OWE OF {$330.00} FOR MY RETURN SINCE THEY MADE ME PAY MONTHLY {$380.00} FOR ITEMS THAT WERE RETURNED TO THE XXXX XXXX AT THE XXXX BEST BUY ON XXXX XXXX, XXXX. I 'M PAYING FOR NOTHING BECAUSE BEST BUY HAS THE XXXX XXXX XXXX AND XXXX AND MY MONEY, AND THREATENS TO REPORT ME TO THE CREDIT AGENCIES IF I DO NOT CONTINUE PAYING ON IT. NO ONE WILL HELP ME!!!!
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXXXX/XX/2019 reporting a judgement on my credit reports when these are not supposed to be reporting as law. Asked each bureau to delete due to law and send updated report to address.  No bureau deleted and no updated report sent to my address
Complaint sub-issue: Funds not received from closed account

CITIBANK During pandemic and my business getting " locked out '' from operating, I applied to get Economic Injury Disaster Loan with SBA. After approval of the $ XXXX, on XX/XX/2020 XXXX funds released this to my bank account ( XXXX ). 

Since XX/XX/2020 My bank accounts with Citibank have been frozen without my consent nor warning. One Personal Checking Account ( XXXX ) {$14000.00}, Another " Personal '' Account ( XXXX ) {$110000.00} where I have kept all my business transaction for rent receivables and payables, and Savings Account ( XXXX ) {$26000.00}. 

As soon as i found out my account was frozen, i have visited ( different ) Branches, called fraud department multiple times. Received a letter from Citibank terminating my bank relations with them XX/XX/2020, stating I have to wait 30-60 days for my funds to be released. Throughout the waiting period, visited branch and called to " expedite '' this process and they have told me same answers over and over, stating they will email the " back '' office and they will reach out between 48-72hrs. Nothing, I get no answers nor calls. Visited branches and they see on their end thy see XXXX check sent to SBA. Called today XX/XX/XXXX and no money have been sent even when it has passed 60 days. 

My business has been incurring interest on a monthly basis, and i have no access to this loan money Citibank is witholding. My personal life, have changed drastically and been hit financially as well- been ultra careful with spendings. Citibank has been absurdly disrespectful and up to now a delinquent for holding some one else personal money and business.
Complaint sub-issue: Information belongs to someone else

I would like to dispute the following accounts, simply cause they are not mines, I did not cause them, no do I have any knowledge of these frivolous accounts reporting on my credit report. I'm asking that the 3 major credit reporting agencies remove the following unauthorized accounts. 

[ 1 ] XXXX XXXX {$600.00} [ 2 ] XXXX XXXX {$470.00} [ 3 ] XXXX {$400.00} [ 4 ] Dept of ED/ XXXX {$4500.00} [ 5 ] Dept of ED/ XXXX {$3500.00} [ 6 ] Dept of ED/ XXXX {$2200.00} [ 7 ] Dept of ED/ XXXX {$2100.00} [ 8 ] Dept of ED/ XXXX  {$2000.00} [ 9 ] Dept of ED/XXXX {$1700.00} [ 10 ] Dept of ED/XXXX  {$1700.00} [ 11 ] Dept of ED/XXXX  {$1300.00} [ 12 ] Dept of ED/XXXX   {$1000.00} [ 13 ] Dept of ED/XXXX {$100.00} ]
Complaint sub-issue: Was not notified of investigation status or results

Why do you keep lying about my case? The credit bureaus say that I am not the one who is trying to repair my credit, what evidence do the credit bureaus have to say or allege this? They are playing with my financial life, MY CREDIT this is very unfair. I again demand that an investigation be opened immediately of ALL the accounts that I have been disputing in the last 10 months. And stop telling lies, the only one who has been trying to fix my credit IS ME AND NOBODY ELSE. 

And you CONSUMER FINANCIAL PROTECTION BUREAUS are not giving a true follow-up to what the credit bureaus do, I am truly disappointed in you, I came here with you to take refuge and you end up doing me more harm. 

I am attaching my identification, so that they do not say that it is not me.
Complaint sub-issue: Information belongs to someone else

There are 15 accts on my credit report that do not belong to me I have contacted the bureaus as well as all the funrihsers regarding this and nothing is being done I have no idea how these account appear on my credit report or who is using my identity please help me with the removal of false information on my credit report. 

Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Complaint sub-issue: Investigation took more than 30 days

In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX account number XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Complaint sub-issue: Information belongs to someone else

The credit bureaus are continuing to report fraudulent accounts in my credit reports as a result of identity theft while I was XXXX. They are : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I've recently requested my credit report from the following credit reporting bureaus ( Equifax, XXXX, XXXX ). My first request was made on XX/XX/2021, I didn't receive a response from any of the following bureaus after the 30 Day waiting period. I included all my personal identificaton forms which they can use to be helpful to verify my identity. After the 30 day waiting period, I then requested for my credit report again through certified mail. I sent out the documents for request on XX/XX/2021, as of today XX/XX/2021 I have only received a report from Equifax still waiting on my other two reports from XXXX, & XXXX. I've been monitoring my report through XXXX XXXX & I noticed accounts in collections which I didn't recognize. Which made me very frustrated, so I decided to sent them a letter of validation the same time I sent the Credit Bureaus Report Request. After a 30 day wait period I still didn't hear a word from neither of them. I then decided to send the bureaus a letter of dispute to dispute those errors from my account, since the creditors have failed to validate those accounts after my validation letter within the 30 day window I requested them to comply with. And then I only receive that one letter from Equifax with a full summary of my credit report and verifying those accounts I disputed. Which in all sense frustrates me because I know they didn't do a thorough investigation, since the creditors never responded to my request. And I have all this traced through certified mail, I still have all of my receipts for the record. Can I potentially file a claim against both bureaus and creditor for this fraud?
Complaint sub-issue: Account status incorrect

XXXX XXXX should not be reporting that I am ( 30 plus ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have attached a letter from XXXX XXXX dated XX/XX/2020 confirming they have submitted the necessary documents needed to remove these lates that are currently reporting to the bureaus. This letter states these changes should have been made within ( 30 ) days however, the bureaus are still reporting incorrectly. This false reporting of lates is seriously harming my credit score and need to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information. I have contacted the bureaus to remove these but I have not been successful.