Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Company closed your account

Timeline of US Bank involuntarily closing my checking account ( last 4 digits XXXX ). 

XX/XX/2021 - Deposited 2 checks in US Bank from my son in law, XXXX and my daughter XXXX. The money was proceeds from a sale of a house. 

Check amounts {$92000.00} and {$15000.00} Unknown date - Logged into US Bank to see if the funds were available and saw message Our system is temporarily unable to display this information. Please try again. 

Checks were returned XX/XX/2021 and {$38.00} return check fee. 

Called XXXX to see what was up with the checks and after researching it saw that he used out dated XXXX checks that had the old routing number on them. On XX/XX/XXXX, XXXX changed partner banks from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX Due to this partnership, the routing number was changed to XXXX from XXXX. XXXX didn't realize the checks had the older and no longer valid routing number. See https : XXXX XX/XX/2021 I went to the XXXX XXXX branch and spoke to XXXX XXXX to close the account and get the remaining balance of {$9800.00}. 

She said I could not close the account and the bank would close it and US Bank would give me my money on XX/XX/2021. 

She sent an email to the Deposit Risk department that only bank branches are allowed to contact She said to call the Fraud department at XXXX ( wrong number ). 

I called her to ask for the correct number. She said it was XXXX ( wrong number ). 

Called again and asked for the correct number which she finally gave as XXXX ( correct number ). 

She called me in the afternoon and said I needed to call my branch in XXXX XXXX, ID where I opened my account. 

Spoke with XXXX at XXXX. He said that the main office said he could give me the money but didnt know the exact balance so he refused. He had a rude attitude Called my son in law and asked him to call XXXX. He called him and explained that he was the one to make the mistake. XXXX offered to forward over documentation that his XXXX account had more than enough funds to cover the checks and the mistake was a routing number that had changed on this account. XXXX said he would look into it and call XXXX back. XXXX never called back and no more updates have been received by him. 

I completed a form on XXXX XXXX. 

XX/XX/2021 - XXXX XXXX XXXX XXXX called and said I should contact the Consumer Financial Protection Bureau and send him these details. 

I'm attaching the evidence : * Deposit receipt * Copy of one of the checks from XXXX 's XXXX account * 2 letters from US Bank " RE : A hold has been placed on your account ending in XXXX '' * Ledger from XXXX 's account showing his account balance had enough funds XX/XX/2021 the date of the deposit.
Complaint sub-issue: Account status incorrect

This account was paid off on XX/XX/XXXX. XXXX XXXX XXXX is reporting late payments XX/XX/XXXX and also XXXX and XX/XX/XXXX. Thats incorrect information being reported it was paid off on XX/XX/XXXX. Account # XXXX
Complaint sub-issue: Account status incorrect

XX/XX/2018 XXXX fraudulently posted incorrect credit reporting to all 3 major credit bureaus stating my XX/XX/2018 payment was late causing my credit score to drop 83 points! I have contacted XXXX ovet 20 times and they have assured me this issue has been resolved which it has not been. I have never been late on my mortgage payments. this is an error on their part which has caused a huge negative impact on my credit.
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 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat payment on a credit card account under ah + open end consumer credit plan as late for any purpose.
Complaint sub-issue: Information is missing that should be on the report

At different times each of the 3 credit bureaus will lower my credit score by approx. 50 points. When I review the information change the changes are positive. i.e. paid credit cards to {$0.00} etc. I understand when my credit score goes down due to adverse information but can not accept the the fact that two credit score will go up 47 ( XXXX  ) points 49 points ( XXXX  ) on new information and another one will go down 40 ( Equifax ) points at the same time on the same information, it is almost like the agencies do not want to have my scores improve past 700. I have worked tirelessly for 3 years and feel I am being treated unfairly
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX Opened : XX/XX/XXXX Last reported : XX/XX/XXXX Amount : {$790.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Last reported : XX/XX/XXXX Amount : {$610.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Last reported : XX/XX/XXXX XXXX : {$490.00} This is XXXX XXXX I assume all these companies are the same people because I have done no business with them and all the companies mentioned above have no license to legally collect any debts in my state of Pennsylvania. I don't understand how they can report debt to my credit report when I have no agreements with them??? 

I would like all accounts and negative remarks deleted from these companies mentioned above asap. Thank you.
Complaint sub-issue: Contacted me after I asked not to

ACME, a 3rd party collection agency has apparently purchased debt collection from a debt I have with XXXX which I disputed and which they ( XXXX ) refused to dismiss and instead sold out for collection. 

ACME has called from the phone number ( XXXX ) XXXX multiple times. I have asked them to stop calling me and told them they are I have not authorized them, XXXX or any other prior debt collector who purchased this debt to contact me on my home or cell phones. Each time I tell them this they argue with me and they persist in calling even though I have told them that doing so is illegal and I would report them.
Complaint sub-issue: Information belongs to someone else

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : ( XXXX ) XXXX XXXX Disputing Inaccuracies on My Credit Report Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX for five years and I have never lived in these addresses reported on my FICO report and incorrect names places on my credit report as well. Please consider this a formal request to investigate and correct the following ( 3 ) inaccurate addresses on my credit report issued by your agency and ( 4 ) different names thats fraudulently not mines. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. The following addresses/ Names listed below : 1. XXXX XXXX XXXX XXXX XXXX GA, XXXX Address ID # XXXX Multifamily 2. XXXX XXXX  XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX Single family 3. XXXX XXXX XXXX XXXX XXXX NY, XXXX Address ID # XXXX Single family 4. XXXX XXXX XXXX Name ID # XXXX 5. XXXX XXXX Name ID # XXXX 6. XXXX XXXX XXXX Name ID # XXXX 7. XXXX XXXX Name ID # XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Complaint sub-issue: Reporting company used your report improperly

I RECIEVED MY CONSUMER REPORT AND IT IS FULL OF INACCURACIES AND LISYED BELOW ARE THE INACCURACIES DELETE IMMEDIATELY. 

XXXX XXXX BALANCE XXXX $ XXXX CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( XX/XX/XXXX ) CLOSED DATE ( XX/XX/XXXX ) LAST REPORTED ( XX/XX/XXXX ). ( XXXX ). 


XXXX XXXX BALANCE XXXX $ XXXX CLOSED, ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) OPEN DATE ( INACCURATE ) ( XX/XX/XXXX ) LAST REORTED IS ( INACCURATE ALSO ) ( XX/XX/XXXX ). ( XXXX ). 


XXXX XXXX BALANCE XXXX $ XXXX OPEN ( INACCURATE XXXX AND XXXX HAS STAUS CLOSED.ACCT # XXXX, LAST PAYMENT ( XX/XX/XXXX ) IS A ( INACCURATE DATE ) OPEN DATE ( XX/XX/XXXX ) ( INACCURATE ) DATE WITH XXXX.LAST REPORTED DATE ( XX/XX/XXXX IS INACCURATE DATE ALSO, ( EQUIFAX ).
Complaint sub-issue: Don't agree with fees charged

FTC Ref No. XXXX. I have sent letters, faxes and emails to Fedloan servicing. They have denied me access to their website. They can not provide a XXXX form for tax year XX/XX/XXXX, XX/XX/XXXX. I sent them information that the XXXX refunded my credit card and returned all money. I received no money from FedLoan servicing. I did not need a loan from them because I was in a certificate program.
Complaint sub-issue: Deposits and withdrawals

We have been defrauded by Citibank for the total amount of {$65000.00}. 
Accounts involved : XXXX, XXXX. Accounts are in the name of Mrs XXXX XXXX, and are managed by my spouse, XXXX 's daughter, XXXX XXXX as Power of Attorney. 
Account XXXX, in the name of XXXX XXXX XXXX Estate. Also managed by XXXX XXXX, daughter of the late XXXX XXXX XXXX. 

Finally our personal checking account XXXX which was started 40 years ago. 

The problem : In the first week of XX/XX/2020, we noticed several checks that had been attempted to be deposited to all the accounts above. The amount was the same in almost all : {$4700.00}. All checks bearing addresses from upstate New York were made payable to XXXX XXXX. Most checks included XXXX 's complete Social Security Number, which in itself should have been a red flag. 
The next step of the fraud was made in person, where someone impersonating my wife XXXX, went to a Citi Branch in Illinois and made withdrawals using my wife 's PIN number, and ( or ) my number, when it came to our joint checking account.This also should have raised a flag. It did not. The signature of my wife was imitated very badly in this process and her name misspelled. Another red flag ignored. Our signatures have been on record for 40 years. A Video of this person exists. 

We brought all this to the attention of the branch management and they contacted the Citi fraud unit and told them unequivocally that these transactions were not made by us. They also told them that they had spoken to the management of the Illinois branch about it. 
We have not travelled to that State.We have never been accused of a crime. 
We have spent countless hours going to the branch in our neighborhood speaking to our customer service rep, Assistant Manager and the Citi fraud Unit during these dangerous times. 
We have also spent hours speaking to the Fraud Unit from our home while quarantined. Last time was today while at the branch. 
The Fraud Unit contrary to the determination of the Branch management, told XXXX that there would be no compensation for us, while offering no tangible- factual reasons. 

Remarkably, the exact same treatment was offered to me, XXXX XXXX, about 2 years ago, when my Citi credit card was defrauded via a non chip credit terminal at a store. 
Only after my complaint to this agency did my then nightmare ended. 

It is obvious to anyone with a brain, that a Citi employee stole all our personal info, PIN numbers included and perpetrated this crime with Citi 's negligence as a helper. 
Their recalcitrant/indifferent response is an insult to us on top of injury. 
Citibank is aiding and abetting crime. We are sick of being abused. 
We Obviously Need Help.
Complaint sub-issue: Need information about your loan balance or loan terms

I have been in the public service loan forgiveness program since graduating from graduate school in XXXX. I've qualified 120 payments under the conditions of the program and sent in an application for forgiveness in dated XX/XX/XXXX. I contacted the federal student loan ombundsman in XX/XX/XXXX and was again told that I had 120 payments that were qualifying but that the application was " still in process '' with no clear idea of how long to expect that process to take. As of today the application has been in process for more than 4 months and would appreciate a timeline as to when this might be under review or at least clearer information regarding this.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX, Equifax and XXXX  are ignoring my requests to investigate and remove accounts from my credit reports that do not belong to me.
Complaint sub-issue: Card was charged for something you did not purchase with the card

These problems has been continuing for several months due to which we stop using this card ( shop your way card ). They are continuously charging us for nothing. sometimes they charged for ineligible interest charges, fees for nothing and money transfers. Last time they charged us for 3 times listed below. we talk to the merchant ( XXXX ) they told us that they charged nothing like that except monthly payment. 
unauthorized charges : ( 1 ) XXXX : on behalf of XXXX  internet ; amount of {$220.00} ( 2 ) XXXX : on behalf of XXXX internet ; amount of {$290.00} ( 3 ) XXXX : balance transfer ; amount of {$220.00} Even we contacted them on XXXX to remove the above two charges and to close the account right now for which the billing lady had agreed but on the very next day ( XXXX ) they again charged us Balance transfer instead of removing previous charges and closing of account. Please keep in mind that we are not using this credit card for anything for last few months.
Complaint sub-issue: Didn't receive enough information to verify debt

This debt is part of a litigation related to a car accident from several years ago. I spoke with the creditor the original agency as well as the other two credit reporting agencies and the charge was removed as it is in litigation and XXXX refuses to remove
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

They have blocked access to my {$600.00} stimulus funds I am receiving errors on Money Network automated system and online account which blocks me from obtaining my {$600.00} stimulus money. I have called 8 times and each time the issue is unresolved. I have been told each time a supervisor will call back in 24 hours, but I have never received a call back. I have tried multiple times to transfer money in my account and it errors out and the agent says my bank refused this electronic transfer, however my bank has no record of any bank transfer Ever being attempted. I have verified the bank account number and routing number and it is correct. I just want my money. I have spent over 8 hours on hold for these many calls. At one point I also asked for a check, however the online account shows no evidence of this and you are unable to request a check online. And as far as ATMS, I am XXXX and would only be able to drive up to an ATM, however every ATM in there network is inside a store where for health reasons I can not go. I find there ATM network discriminatory and there customer service severely lacking. Please help me obtain my money. I am highly suspicious that this is purposefully done as to be able to hold on to your money as long as they can ... This is an impossible situation That I am unequipped to resolve.
Complaint sub-issue: Account terms

Since XX/XX/XXXX I have been trying to get the credit reporting agencies to remove this account : XXXX. This collection agency faxed the credit reporting agencies to remove their account from my credit file because they were not supposed to report this small debt. We made an agreement to settle the account in XXXX payments for the exchange of not reporting. The manager made a mistake and reported and after it was brought up to their attention, they faxed the info over to the XXXX major credit reporting agencies to remove. XXXX and XXXX have removed but not Equifax. After disputing with Equifax directly they keep telling me is verified, is mine and they will not remove. The collection agancy says they ca n't do anything about it because they have already tols Equifax to remove this.
Complaint sub-issue: Personal information incorrect

I NEED HELP MANAGING MY CREDIT FILE. 
PLEASE UPDATE MY PERSONAL INFORMATION. 

PLEASE UPDATE MY PHONE NUMBER TO : XXXX PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I WOULD LIKE MY PERSON INFORMATION UPDATED IMMEDIATELY.
Complaint sub-issue: Problem during payment process

I mailed a Sears credit card payoff XX/XX/XXXX. The check had my name and last 4 of my account on it. It was cashed and not applied. I called multiple times wondering where my payment was and why it had not been applied yet. Finally, I sent a copy of my cashed check and they said they found it and it would be backdated and applied. It is now XX/XX/19 and it says I am due for XXXXXXXX XXXX payment and it has still not been applied to my account. I received a letter that said it would be applied within 2 billing cycles. I should have a credit of over {$200.00}. This is completely unacceptable. She is looking at the check while I am on the phone with her and it was cashed a month ago and it is still showing up on my credit report that I owe over {$1100.00} when I should have a credit. She can not explain to me why it can take up to 3 months ( if you include the time it was cashed ) to apply this payment to my account.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX sent me dispute results and a credit report. The results from the dispute are inaccurate. The dates on the dispute results and on the credit report are not the same. The representative on the phone provided me with different dates as well. The negative items should have been removed from my credit report by law. XXXX representatives are placing the blame on the companies, stating that the companies are reporting the information inaccurately. ( Macy 's and DSNB American Express ) If XXXX just monitored the information reported, they would clearly see that the dates reported have changed. This is Fraud.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I had to submit the application over and over again I had my employer 's statement faxed in ; per the rep it was not complete and it is to qualify I had to be in an income driver program for over 2 years and I have been more than that
Complaint sub-issue: Investigation took more than 30 days

On XXXX, I wrote to you requesting an investigation into items that I believed were INACCURATE, UNVERIFIED ACCOUNTS, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. PLEASE DELETE THESE ACCOUNTS FROM MY REPORT AND SEND AN UPDATE CREDIT REPORT
Complaint sub-issue: Information belongs to someone else

This letter is a formal complaint that Bureau is reporting inaccurate and incomplete credit information. I am distressed that they have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. Bureau didn't provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

1. This account resulted due to identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately!
Complaint sub-issue: Debt is not yours

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. On XX/XX/XXXX I received feedback after sending a debt validation request to Acima Credit LLC on alleged debt I Do not owe. they in returned responded with a deceptive form stating that I owe an alleged debt. 15 USC 1692 j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. They have violated my rights as a federally protected consumer. Acima has communicated with me indirectly on my credit report. This has violated my right as a consumer too privacy congress has said so pursuant to USC 15 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. ACima has stated that they are not a debt collector and that these consumer laws does not apply to them Pursuant to USC 15 1692 ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such Alledged debts. This debt is not mine .. For the purpose of section 1692 ( a ) ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests.Acima has also hassrased with this conduct as well as pursant to USC15 1692 ( a ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : see attach statement they used ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Also 15 U.S. Code 1692e.False or misleading representations ( A ) the character, amount, or legal status of any debt ; in the letter it states the character amount allegedly as {$1800.00} Allegedly on the credit report it states {$1800.00}