Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Funds not received from closed account

XX/XX/XXXX US BANK placed a hold on my account due to a bad check that was deposit, they scheduled my account to be closed and advised me that my payroll direct deposit would be rejected. The direct deposit posted on XX/XX/XXXX which brought my account in the positives. I was told after several phone calls to visit my local branch to expedite and close out the account so they can issue out the remaining balance of {$360.00}. I went to a US Bank branch in XXXX XXXX, CA and no assistance was provided to me by the manageXXXX instead he offered his opinions which was not needed. I then placed numerous calls to their customer service number and again was offered no help. They confirmed that my account is to be closed but it could take 1 week to 1 month to process which I find to be ridiculous and illegal. If a company of that capacity has closed out my account, they should have the capacity of issuing out the small amount owed to me so that my account is no longer in limbo. This bank has gauged me overdrafts and fee which turned in thousands of dollars that I paid to them as a consumer, but they have an issue with processing the closing of my account and properly issue out funds legally owed to me.
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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Complaint sub-issue: Their investigation did not fix an error on your report

There was a collection posted to my credit report after the payment had already been made. I have sent proof of the payment from the companys ( XXXX  website as well as a copy of the payment posting to my bank account with XXXX listed as the company withdrawing funds from my account. 

Date XXXX : XXXX, 2022 Amount : {$110.00} Actions : Disputed the collection with the 3 major credit bureaus
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX XXXX, 2017 I notified XXXX that XXXX XXXX XXXX was charging me fraudulent charges on my card # XXXX and that I refused to pay them. I sent XXXX 60 pages of evidence to support my claim. XXXXXXXX had, nevertheless, damaged my credit rating because I refuse to pay fraudulent charges.
Complaint sub-issue: Didn't receive services that were advertised

On XXXX XXXX Equifax was hacked and my information was taken. At that time I was a enrolled in XXXX XXXX XXXX XXXX. Equifax did not inform me of the hack even though I had the XXXX XXXX XXXX! I received monthly emails from Equifax stating " We are pleased to inform You there were no critical events reported last month ''. My information being hack is a critical event! 
It was reported on the news that Equifax was offering free credit monitoring to the people hacked. I signed up for this. It is now being reported that by singing up for the free credit monitoring that I have waved my right to sue Equifax. I signed up several weeks ago and have not received a conformation that I 'm enrolled in the free credit monitoring offered by Equifax. It seems they wanted me to wave my right to sue and are now ignoring the risk to my identification and credit. 
Equifax is using every tick in the book to limit their losses. 
1st not reporting the hack in a timely manner 2nd Not reporting my information was taken while I was a member of their XXXX XXXX XXXX XXXX 3rd by baiting the public into waving Our right to sue by offering a free credit monitoring 4th Long hold times in excess of 90 minutes with either no hold music ( to make us think we have been disconnected ) or Loud static to drive us to hang up.
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft. XXXX XXXX XXXX has opened a fraudulent account on my credit profile and it needs to be closed immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit 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 a account without my written instructions
Complaint sub-issue: Information belongs to someone else

The account XXXX  XXXX {$2400.00} account # XXXX, in XX/XX/2019 this account was placed by Equifax on my credit file. I disputed as not my account, Equifax investigated and removed XX/XX/2019. Now I checked my credit and as of XX/XX/2019 it is back on my credit by Equifax.
Complaint sub-issue: Information belongs to someone else

Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Complaint sub-issue: Their investigation did not fix an error on your report

Theses are not mines accounts
Complaint sub-issue: Company closed your account

Discover took my financial aid for my schoolbooks and closed my account. I was angry because I have no missed payments for 2 years so I said close the account. I then remembered that I just put {$500.00} on the card to pay for my schoolbooks so I changed my mind. The woman asked specifically if I still wanted her to close the account because she had to read the disclosure and I hung up. Now I can not purchase my books. They took my financial aid and closed my account in good standing preventing me from getting my online course material. My GPA is ruined because where I have to take online courses, they are only 8 weeks, and my financial aid is ruined and all they say is heres an address. Write them. I did not have the time to waste being an 8 week course and this will make a whole week missed in 3 different classes. I guess the time for haste has passed but I feel it is wrong and morally wrong. My whole life is ruined because they closed my account and they want me to write a letter and mail it.
Complaint sub-issue: Their investigation did not fix an error on your report

I received a copy of my credit report, and I am disputing some items that need to be deleted. Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card per FEDERAL LAW 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or other services on credit. Notice, congress said ANY card, the credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. Pursuant to 15 USC 1681c ( a ) ( 4 ) states that any information that is placed for collection or charged to profit lost should be excluded from my consumer report. Why are these consumer reporting agencies furnishing information without my consent. Pursuant to 15 USC 1681a ( 2 ) ( B ) these transactions should be removed from my consumer report expeditiously. I am demanding that you block and remove these transactions from my report as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.These accounts should all be removed from My consumer report pursuant to 15 USC 1681a ( 2 ) ( a ) ( i ) .I am demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.I sent a certified letter XX/XX/2021 and received notice that you received. You have 30 days to complete my request, you are on notice. All of the consumer agencies are civilly liable for negligent non compliance pursuant to 15 USC 1681o.
Complaint sub-issue: Public record information inaccurate

Reached out to company via telephone and email, no response.Requesting info be removed from my file
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

The debt is past the statute of limitations. The company : Jefferson Capital Systems , LLC XXXX XXXX, MN XXXX Also XXXX XXXX in XXXX : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX, IL XXXX Another XXXX XXXX in XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX After the debt was removed from my credit report due to it being past the statute of limitations which completed on XX/XX/2019. They send me a validation letter that is postmarked XX/XX/XXXX, yet the letter is dated XX/XX/2019. 

First, this letter needs to be sent within the first 5 days, not after the debt was removed from my credit report. 

Second, they purposely dated the letter XX/XX/2019 in order to try and deny me my full 30 days to dispute or request validation. 

Within the letter, they indicate they will sue to obtain a judgment on a debt removed from my credit report based on the statute of limitations. They claim they can garnish wages make a report to the credit bureau.
Complaint sub-issue: Reporting company used your report improperly

Equifax had a data breach that compromised my information, but did not notify me or provide any adequate solutions. I found out through media reporting, and it is unfair that they have compromised such sensitive information with no compromise other than to create another account with them with no reassurance whatsoever.
Complaint sub-issue: Investigation took more than 30 days

IT HAS NOW BEEN MORE THAN 45 DAYS WITHOUT A RESPONSE FROM THE BUREAUS ON INCORRECT ITEMS ON MY CREDIT REPORTS AND I AM REQUESTING THAT THE FRAUDULENT ITEMS TO BE REMOVED FROM MY REPORTS. ACCORDING TO THE ( FCRA ), A CREDIT BUREAU IS REQUIRED TO RESPOND TO YOU AND COMPLETED THEIR INVESTIGATION WITHIN 30 DAYS. IF THEY DO NOT RESPOND WITHIN THE 30 DAYS THEY MUST REMOVE THE NEGATIVE ITEMS BEING DISPUTED. I AM ALSO ATTACHING ALL COMMUNICATIONS.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/19 I received an emailed from TrueAccord advising that the email was a communication from a debt collector and was an attempt to collect a debt for money owed to creditor, XXXX, XXXX in the amount of {$920.00}. I have never obtained a credit card and/or loan from XXXX, XXXX and advised that I was a victim of identity fraud and believed this to be included in same ; therefore I disputed the debt on a fraudulent basis. On XX/XX/19 I receive a second email advising of my " 30 day payment plan option ''. I never sleeted this option and continued to dispute the validity of the debt. On XX/XX/19 I received a third email that stated, " We'd like to discuss solutions for your outstanding balance of {$920.00} with XXXX , XXXX but need to hear from you. Please reply to this email or call XXXX to speak with one of our agents. '' I called the designated phone number and initiated what appeared to be a new depute. Therefore, on XX/XX/2019 I received a fourth email that indicated I against have an oustanding balance of $ XXXXand  that True Accord continued to work with XXXX, XXXX to help resolve this outstanding balance. I continue to dispute this debt and have no further information because I did not obtain and/or apply for this type of loan financing. TrueAccord continues to attempt to collect on this debt and ignores the Identity Theft Affidavit provided to them which I previously field with the ftc.
Complaint sub-issue: Threatened to sue you for very old debt

This company has threatened me and my livelihood and repeatedly calls and harasses me. I have disputed this with them internally and requested that they mail me proof of debt but they continue to call and harass me nearly every day for months now. I asked them to stop calling during the day while I was in classes, and they refused. They refuse to send me any proof of debt via mail.
Complaint sub-issue: Problem getting my free annual report

I went to Annualcreditreport.com and requested my credit report from Equifax and got a respose that required me to submit my Drivers License, Social Security Card a Utility Bill and the request. I did that and got a response of you have already received your annual report, which I have n't, and have n't been able to get for 2 years now. When they mailed the response to me my middle initial is also incorrect. Also you ca n't contact them directly and without a report number you ca n't contact them online either.
Complaint sub-issue: Problem getting report or credit score

Tried to open an account at creditkarma.com, and it stated that the information that I had entered did not match their records. I have never visited or entered my information on that site before, or any website of that kind.
Complaint sub-issue: Problem during payment process

We made a payment in the amount of {$3400.00}. At that time we received 2 confirmation emails with the same confirmation number. We called at that time to ensure that there was only one transaction. We were assured it had only gone through once. It has since come out 2 additional times causing an overdraft to our account and multiple hours on the phone. We worked with the credit card to credit our account at the inital mistake on their end, and thought everything was fine, and today they took the money out again!! We have no idea how to get this to stop. We dont even owe what they are trying to debit from our bank.
Complaint sub-issue: Didn't receive services that were advertised

On XXXX 2021, I disputed this account and it came back as if the responsibility is " Individual ''. The student loan is on someone else 's name. It doesn't belong to me. Furthermore, I never CO-SIGNED any student loan. So unless they can provide a document where the student loan is on my name, and in the case of a co-sign has my SIGNATURE, I want this account to be removed from my credit report.
Complaint sub-issue: Attempted to collect wrong amount

I have send certified letters to ATG regarding the alleged education debt on XX/XX/XXXX, certified letters to XXXX, XXXX and XXXX XXXX regarding the debt and have not received any resolution. 
I also sent a certified letter ( on XX/XX/XXXX ) requesting evidence and verification of the debt and ATG sent incomplete verification, debts in a different amount than what they are showing as a collection on my credit report and they are trying to collect funds from a VERY OLD DEBT from XX/XX/XXXX. This alleged debt that is incorrectly showing on my credit report is from XX/XX/XXXX ( 7 years ago ) so it is a very old debt as well. 

Please help me in getting this fixed with ATG.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2021, I was a victim of identity theft. I have an active police report and case open regarding this matter. I noticed a hard inquiry from XXXX on my credit report that I did not authorize. I have already reached out to XXXX ( citi bank ) regarding this matter and they were unwilling to help me resolve it. I am requesting this unauthorized and fraudulent hard inquiry be removed from my XXXX credit report. Last XXXX of XXXX is XXXX. Thank you
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/XXXX I called Remex , Inc. ( XXXX ) and spoke with XXXX XXXX and with XXXX XXXX did not get her last name ) regarding a medical collection appearing on my credit report in the amount of {$120.00}. I asked if I can settle the account and obtain a letter stating the account will be deleted from my credit report. They informed me they can not delete it from my account unless I pay a debt from XX/XX/XXXX ( {$1200.00} + ), this debt does not appear on my credit report.. In the State of New Jersey, the statue of limitations on debt is 6 years. ( Collection of Debt on Account -- XXXX yrs. XXXX ). Basically they are holding my credit hostage unless I pay a debt that has past the statute of limitations. I am trying to obtain a mortgage and need to have these deleted from my report. When I advised them of the statute of limitations, they said that wasn't the law, when clearly it is. This is unethical in terms of trying to obtain payment on a debt that is no longer collectable.
Complaint sub-issue: Account status incorrect

US BANK Credit Card No : XXXX US Bank Credit Card No : XXXX Cash Rewards Visa Card I have above cards with US Bank for last 10 years and I have been paying these cards regularly except times when I had some type of incidences on file. In past I had big fraud on my debit card and it led into many online transactions running over for months on my card in XXXX when I visited XXXX. Last year in XXXX I had frauds on my credit cards. Now seems like this is third time I have my cards misused however, this time I have lost my valet and seems like identity theft. 

I have one debit card and two credit cards with US Bank. Since last fraud on my credit cards early last year in XXXX, I have completely stopped using US Bank credit or debit cards. I have moved my banking to other banks and use them for primary salary deposit and all payments. The only reason US Bank cards were kept open were to keep my oldest credit history as these are my oldest cards and accounts in US. 

As I do not use these US Bank cards I just keep them in my secondary valet where I have other benefit cards like XXXX, XXXX  XXXX  and other merchant cards, etc. During one of travel last year I have lost of one bag and I didnt realize what items were lost in the bag. What I know that my valet is missing that had all my other cards and there is identity theft. In last few months, I had 3-4 times by XXXX  XXXX  XXXX debit card and credit cards were replaced for some suspicious activity though I have not reported fraud! 

To my surprise I have recently noticed payment request on US Bank cards in XXXX ( I generally dont check this ac at all as I dont use any of them ). Though not clear about request, I did paid minimum payment requested to avoid late payment and late reportings to bureaus. After this I made it a point to review my all US bank accounts in detail as soon as I get back to work after holidays. During my review I realized that there were some transactions on my both cards. I have immediately advised fraud department of US Bank to close all the cards including my debit card. My both credit cards looks compromised, debit card is not used as I dont keep any balance in this account and they may not have succeeded. But I have lost this card as well. 

While reporting fraud I told representative not to report late payment to credit bureau and he explained that it was already reported. He provided me these contact details to write letter to get credit bureau reportings reversed.
Complaint sub-issue: Information belongs to someone else

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX  XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date opened XX/XX/2008 Balance : {$7100.00} Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XXXX XXXX I received a notice/ not an actual debt validation letter with proof like contract, signature stating that I owe XXXX to check into cash way back from XXXX XXXX. I have already contacted XXXX to dispute and delete this from my credit report they sent a notice/ bill no contract proven that I gotten this loan ...
Complaint sub-issue: Account information incorrect

My car was paid off in XXXX/XXXX/22. I was told my credit report would be updated by the end of the month. This company has continually failed to accurately report the status of my account. This account has been paid in full and should be reflected on all the credit bureau reports immediately!
Complaint sub-issue: Account information incorrect

As of XX/XX/XXXX XXXX continues to show on my credit report as XXXX XXXX off 's. The account was paid of XX/XX/XXXX. I have sent multiple letters to XXXX, Equifax and XXXX as well as to XXXX regarding this. They claim they have investigated it but they have not.
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, CITICARDS CBNA add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

i am filing this complaint because XXXX, XXXX and equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the account i disputed. being that they have gone past 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra -they are required to promptly delete all information which can not be verified ' that i have disputed. please resolve this issue immediately