Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

The accounts listed below are reporting inaccurately on my credit report and are in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX  CARD SERVICES # XXXX, XXXX DEPARTMENT STORE # 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
Complaint sub-issue: Deposits and withdrawals

I'm unable to withdraw cash from my account at PNC Bank which has over {$3000.00} in funds, The account shows the balance as {$0.00} available and I'm not sure what happened to my funds. Called customer service several time they were unable to help me and they can not figure out what happened to funds in my account. This situation has caused hardship and pain. My stress levels increased resulting in XXXX XXXX XXXX. Please help.
Complaint sub-issue: Problem with statement of dispute

Equifax list student loans backed by the Stafford Loan agreement as " Installment Loans ''. Which technically they are installment loans but you can not declare bankruptcy on them. The other Credit Reporting agencies do not use Student Loans as installment loans. They are listed as Other or Student. That way the Debt To Income ratio for your score is not as highly affected. This is not fair if the Student loans are on a " Income Based Repayment plan '' like 48 % of Americans use. This compounds any actually " Installment '' loans such as Auto, mortgage, etc.. we may get. For instance my DTI ratio is 109 % because of the equifax listing. My student loans are compounded with my car loan. This throws your credit score down about 40 points.
Complaint sub-issue: Public record information inaccurate

A bankruptcy continues to report on my credit file. Please remove. In my last dispute you said that you my bankruptcy was verified. what was your method of verification? The court said they do not release information the credit reporting agencies. please remove this bankruptcy because it was verified and the time is past due.
Complaint sub-issue: Company closed your account

Citibank froze my account on XX/XX/18 with no probable cause. Upon calling them, they dont even give me any information and wont unfreeze my account after verifying all of my information. I went into a branch on XX/XX/18 and they informed me that they are closing my account. So, i said i want to withdraw all of my funds, the branch wouldnt let me, they made me call the customer service number in which i did while i was inside the branch, they told me they will mail me a check for my balance which us over {$3700.00}, they refuse to let me withdraw MY funds inside a branch.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Reporting Act the companies listed below has violated my rights. 15 U.S.C 16.81 section 602A states I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 it also states a consumer report agency can not furnish a account without my written instructions. 
XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Act # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX and Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX
Complaint sub-issue: Personal information incorrect

I sent a letter to Equifax via Certified Mail # XXXX XXXX XXXX XXXX XXXX which was received by Equifax. In that letter I requested that the following addresses and business information be deleted from my file because this information is inaccurate, outdated and most of which does not belong to me ... and again should be deleted/removed from my profile to show accurate reporting in my profile Pursuant to the Fair Credit Reporting Act 609. They have not removed this information as of yet.

Address Information to be deleted are listed below : XXXX. XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX Employment Information to be deleted is listed below : 1. XXXX XXXX
Complaint sub-issue: Problem accessing account

On XX/XX/2018 I set up a automatic transfer of $ XXXX. from my savings account to my checking account. I have direct deposit for a service-connected XXXX. I gave my debit card to a friend to pay bills and send me money while I was XXXX. I also gave him my laptop for safe-keeping. 

In XX/XX/2018, after not hearing from my friend and sensing something amiss, I wrote at least two letters to my US Bank branch , which it neither replied nor have any record of. On XX/XX/2018, in addition to the auto-transfer of {$500.00}, another {$360.00} was also transferred. This transfer could only be happen with access to the Online Banking which I never gave my friend permission. The only access with the laptop. 

On XX/XX/2018, US Bank tells me it found fraud on the account. Instead of contacting the account holder ( me ) of the fraud, US Bank disabled only the Online Banking but left access to transfer funds at any ATM. The account was finally completely blocked after someone requested 6 new debit cards in two weeks. While the new debit cards triggered letters and red flags to my account messaging, there are no messages or red flags around the date of XX/XX/2018. 

During fourteen months, I received {$14000.00} of VA Disability.  Less {$7000.00} for auto-transfer and {$410.00} remaining in the account, leaving a loss of {$6800.00}. I feel US Bank acted negligently when receiving concerns by me in XX/XX/2018, the bank did not reply. A second incident occurred on XXXX XXXX, 2018, in that the bank discovering fraud on the account, merely disabled Online Banking, and therefore, exposing the account to further fraud. There appears to be very little information available from US Bank. 

At one point, the friend went into Online Banking and changed the phone number and the email address, yet there was no notification of that change was provided at the time. Had US Bank acted in the best interests of the account holder, the bank would have blocked all debits until it heard from the account holder.
Complaint sub-issue: Right to dispute notice not received

Mother passed away XX/XX/XXXX, Father assumed mortgage on home. He passed away XX/XX/XXXX, and his left his friend in the home. I was just made aware the house was still in my mothers name alone, and the person living in the house was not making payments. The house is up for foreclosure and I have tried to contact the mortgage company and they refuse to talk with me even though my brother and me are the only heirs to her estate. An estate was not open XX/XX/XXXX on her due to the fact our father was still alive. I 'm trying to get belonging out of the home and possible save it from foreclosure if they would talk with me.
Complaint sub-issue: Their investigation did not fix an error on your report

When reading up on the FCRA, I learned that if an account is reported on my credit report, everything within the reporting must be free from error which is not the case. You have failed to conduct a reasonable investigation and now I'm requesting from you the information you affirm to have firsthand knowledge of this account reporting with 100 % accuracy. I simply request that you remove this account in its entirety from my credit report. Based on my research, I'm requesting to further clarify your compliance with Metro2 Compliance. I also demand your agency to provide verification of documents that you have reviewed. Otherwise, delete these accounts immediately. 

These are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with balance transfer

On XXXX XXXX, 2023, I had a credit balance of {$1200.00} on my US Bank Credit Card ending in XXXX. On that same day, I requested US Bank to send me a check for the balance. 

On XXXX XXXX, 2023, I called US Bank customer service that I still had not received my check. They told me to wait 2 whole weeks for the check. 

Today is currently XXXX XXXX, 2023, two whole weeks since I requested the check and I still have not received it yet.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX AUTO is reporting that on XX/XX/2018, XX/XX/2018, & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently view my credit report and saw a unauthorized credit inquiry in my credit profile made on XXXX XXXX by XXXX XXXX and i will like to have this remove immediately
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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
Complaint sub-issue: Public record

Requesting the removal of hard Inquiry dating XX/XX/2015 on my Equifax report from FIA/CS. The lender in question in written correspondence attached, has no knowledge of it. Please have it removed as soon as possible. .
Complaint sub-issue: Funds not received from closed account

( XXXX ) I opened a Citibank Regular Checking account on XX/XX/2022, which had a sign-up bonus of XXXX after a customer deposits XXXX and holds the funds in the account for 81 days. 

( XXXX ) On XX/XX/XXXX, I deposited XXXX via an ACH transfer from " Institution A '' and another XXXX via an ACH transfer from " XXXX XXXX '' to met the deposit requirement of XXXX for the bonus. 

( XXXX ) On XX/XX/XXXX, I linked the Citibank Regular Checking account to " Institution C, '' my main bank account, so " Institution C '' made ACH transfers of XXXX and XXXX on XX/XX/XXXX for account verification purposes. This brought the account total to XXXX. 

( XXXX ) On XX/XX/XXXX, I deposited XXXX from " XXXX XXXX '' into the Citibank Regular Checking account. This brought the account total to XXXX. 

( XXXX ) On XX/XX/XXXX, I attempted to withdraw XXXX, the amount that is not needed for the XXXX account balance for the sign-up bonus, from the Citibank Regular Checking account and deposit those funds to " Institution B. '' As shown in sections ( 2 ) and ( 4 ), Citibank readily accepted deposits via ACH transfer from " Institution B '' on XX/XX/XXXX and XX/XX/XXXX. Given that the Citibank Regular Checking account and " Institution B '' seemed to be connected and accepting ACH transfers, it seemed reasonable to expect Citibank would transfer the funds to " Institution B '' without issue. 

( XXXX ) On XX/XX/XXXX, " Institution B '' informs me that there was a failed transfer to my account. Surprised, I attempt to log onto the online account dashboard provided by Citibank. When attempting to log on, the Citibank website instructs me to call customer service with " Error Code MFA. '' On XX/XX/XXXX, I call the supplied Citibank customer service number and while speaking with customer service, I am given an additional Citibank number to call to learn more about my account. 

( XXXX ) On XX/XX/XXXX, I call the new Citibank customer service number and eventually am informed that my account with Citibank has been terminated and no additional information will be provided over the phone. I call the same number again to attempt to confirm that my account has a balance of XXXX and learn if the funds will be returned to me. Citibank customer service refuses to provide any information to me regarding any account information, which leads me to believe that Citibank is keeping the funds that remained in the account or has no intention in helping me locate the funds and their eventual location.
Complaint sub-issue: Public record information inaccurate

Public Record Chapter XXXX does not belong to me. I have disputed this with all 3 credit reporting agency XXXX, Equifax and XXXX several times.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not mine

There is a debt from enhanced recovery for XXXX. 
I have never had an att account in my name. 
My mother had an account ; but, she is now in a XXXX XXXX with XXXX. 
For some reason, XXXX has decided to put the account under my name and social security number as they ca n't collect from her. Enhanced Recovery has placed the negative information on my account for {$970.00}. 

I 've told them when they 've contacted me the debt is not mine. It was opened in my mother 's name, and under her social security number. I was informed by debt collector that because we lived at the same address, and I had the benefit of those services, and because I am my mother 's power of attorney, I am now liable for the debt and they refuse to remove it from my credit. 

THIS IS NOT MY DEBT.
Complaint sub-issue: Their investigation did not fix an error on your report

This uncertain account listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be verified ( A ). I will take legal action against you if you do not guarantee this account. Please follow the law so that this situation can be settled quickly : XXXX XXXX XXXX Balance : {$19000.00}
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 I submitted letters to each of the credit bureaus letting them know that there is inaccurate/ incorrect items being reported to my credit report. It's been over 45 days and it is required by law that I have a response within 30 days and have yet to receive any type of letter or notification. I feel like I'm being ignored and taken advantage of and will file for litigation if I have to. Please help me with this matter.
Complaint sub-issue: Information belongs to someone else

The following Equifax, XXXX, XXXX credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. 

( XXXX XXXX )
Complaint sub-issue: Investigation took more than 30 days

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This is causing financial injury, Defamation of character and also I can't even attain a job. During this crises I can't even obtain a sba loan for my company as well as a place to buy in my name to stay. Applying for credit has be the most humiliating thing I've experienced.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  XXXX  XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Account status incorrect

Amounts of {$2200.00} and {$350.00} were paid on XX/XX/XXXX to XXXX XXXX, Mechanics Bank. The total amount of {$2600.00} was applied to account number XXXX XXXX to pay the account in full. Account is still reflecting open with a balance of {$10000.00} on XXXX and XXXX. Last paid date on XXXX and XXXX show XX/XX/XXXX. 

I contact XXXX XXXX, Mechanics bank on XX/XX/XXXX to request a correction of the credit reporting and account status on XXXX and XXXX. Representative explained they would need a dispute and can be done by submitting CFPB Complaint.
Complaint sub-issue: Problem during payment process

I processed my payment with Citi bank on XX/XX/XXXX, the funds were electronically removed from my personal checking account on XX/XX/XXXX. On XX/XX/XXXX I attempted to use my card, though it was listed as a {$0.00} balance, the available credit was {$2.00}. 

In an attempt to resolve, I contacted Citi. The employees were dismissive and transferred me multiple times, including wrong departments, and long hold times. The ended with a Citi bank employee hanging up on me. 

As a result I filed a complaint here. 

Now, XXXX full business days later Citi is still failing to credit my account with the funds they have had in their possession since XX/XX/XXXX. 

While they have called me twice during my work hours XX/XX/XXXX and XX/XX/XXXX, they did failed to answer the phone during business hours when I returned their call on XX/XX/XXXX at XXXXXXXX XXXX CT, XXXX hour and XXXX minutes prior to the representatives state time out of the office in the voicemail they left me. I took the afternoon off to resolve this and they couldnt be bothered to speak to me when I called. 

Now they appear to be holding my funds hostage, for I can think of no reason in XXXX where a major bank would take XXXX full business days to process a payment they received electronically. Even my credit union sent the funds out Monday morning in response to a payment request processed on a Saturday. 

This bank is the only bank to have ever lowered my approved credit limit with no warning or communication. They are also the only bank to report a negative mark on my credit, a late payment that was the result of their failure to process automatic payments as they promised when I provided them my account and routing. 

I implore you, as the protection agency, please help. 

Attached below is a screen shot showing the credit available as of XX/XX/XXXX is at {$0.00} on the card, as well as proof of a posted ACH debit from my XXXX XXXX XXXX XXXX account. This ACH was processed in CITI BANKs application for my XXXX, so it was Citi that requested the funds from XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I sent a letter to Equifax disputing an account with XXXX XXXX XXXX  that was reporting an inaccurate date of first delinquency and payment history on my credit report. Equifax was showing the account was 30 days late in XXXX of XXXX, but that the date of first delinquency was XXXX of XXXX, which moved it forward by one full month. Therefore, Equifax 's own report showed conflicting information. In addition, my XXXX  report showed the account had become 30 days late in XXXX of XXXX. I disputed the entire payment history of the account on my Equifax report due to these inaccuracies. On XX/XX/XXXX, Equifax responded to my dispute. Equifax verified that XXXX of XXXX was the correct date of first delinquency. However, Equifax completely messed up the entire payment history for the account. Equifax removed all payments from XXXX entirely. Equifax added two late payments that never occurred : they said I was 150 days late in XX/XX/XXXX and I was 180 days late in XX/XX/XXXX. These late payments are not only incomplete, but also moved forward nearly a full year after these late payments supposedly took place. This makes it look like I was late in XXXX, and I did not make any late payments in XXXX. The account was charged off during the entire year of XXXX. Overall, Equifax added false late payments to this account, removed my on-time payments, and did not properly investigate the account. The account is not compliant with the FCRA now or before my dispute.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX & XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXXBalance : {$270.00} ; XXXX XXXX XXXX XXXXXXXX  Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$400.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XX/XX/XXXX.