Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Non-sufficient funds and associated fees

I opened a checking and savings accounts with Discover Bank on XXXX/XXXX/XXXX. The entire customer experience of opening the account was awful, but that is not the reason for the complaint. I eventually opened both accounts successfully and set up an initial deposit ACH from my XXXX account. Monday XXXX/XXXX/XXXX I received an alert my account had been frozen and Discover must be contacted before the hold could be lifted. I called as instructed and a Security agent, who asked me why I was calling even though he knew, reviewed my account and said there was an issue with the account generation, but he fixed it and I would no longer run into any issues. 

Come Thursday XXXX/XXXX/XXXX when the initial deposit still had not come through and purely showed as pending on the website, I called Discover concerned that the ACH was not going to go through. I was then alerted by the phone agent that there was an issue with my account caused at opening that needed to be resolved. The comment made it seems like this happens all the time. 1. The first agent I spoke with on XXXX did not fix the accounts as promised 2. If this is a common issue it should be resolved. I was transferred to a web team agent, XXXX, who fixed the account, which caused my account to lose all the preferences it had and my verified external accounts. Annoyance and extra work required on my part, but again not the reason for the complaint. XXXX informed me that the initial deposits were not going to occur and I must reschedule them, so I took her advice and proceeded to reschedule the transfer. 

Come Monday XXXX/XXXX/XXXX Discover completed all of the transfers causing my account to go negative. I immediately called to alert them and request the duplicate funds back. I have had several phone calls with Discover since then, and even representative tries to instruct me how an ACH works. I know how it works, I work for a bank ... The funds had left XXXX and they had no control over the funds at this point. Discover would not make the funds available to me until XXXX. When instructed them I required the money to pay for my mortgage come XXXX there was no empathy or real care to my situation. Discover refused to return my funds or escalate my issue to their executive office. They simply stated that their policy is there is a 30 day hold on all funds on new accounts for " fraud protection '' and this policy could not be overridden. This is a stupid policy plain and simple. My career has been spent designing Fraud and Non-Fraud processes for credit and retail banking and there are far better ways to prevent fraud then impact your newly acquired customer. On top of that I find it had to believe no one can override a fraud policy on an erroneous transfer. If I have a customer being negatively impacted by a fraud policy/strategy,  I simply reach out to that team and they remove that policy for that particular customer. The same must be possible here. Discover refused any type of resolution to return my funds and forced me to  contact XXXX to file a dispute on all the transfers to receive my funds back. This is not acceptable.
Complaint sub-issue: Information belongs to someone else

IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Complaint sub-issue: Reporting company used your report improperly

N accordnace with the fair credit reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 States that a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

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

UNAUTHORIZED ACCOUNTS : 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 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 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: Credit inquiries on your report that you don't recognize

I am a victim of identity theft. unauthorized fraudulent inquires on my credit report
Complaint sub-issue: Funds not received from closed account

My Citibank checking account was compromised over 4 months ago and they decided to close it ; however, they never sent me my {$620.00} or the balance remaining. I have called them over 40 times only to be hung up on or placed on an eternal hold.
Complaint sub-issue: Reporting company used your report improperly

n 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.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

I was impacted with financial hardship by the COVID-19 pandemic. As a result, I had to resort to a debt management company to consolidate and pay off my credit card debt. During 2021, I clerked for a U.S. district judge but did so off university funding. Come Summer 2021, I lost my funding. With that, I called XXXX numerous times about deferring my debt until I started my private practice job in XX/XX/2021. XXXX would not defer payment but said that I still had a few months before the debt would charge off and go into collections. XXXX confirmed that once I made a payment, XXXX would not seek collections of my account. 

Well, instead, XXXX transferred one of my credit card debts ( approximately {$8000.00} ) to a law firm, Hunt & Henriques XXXX, because I received a letter saying so from this law firm. I attempted to contact the firm at the provided XXXX number but never received a response. My debt management company then began negotiating with the firm in order to work out a payment plan. 

During negotiations, Hunt & Henriques filed a predatory lawsuit against me in XXXX XXXX XXXX XXXX despite this open line of communications. I immediately contacted this firm and was finally put in touch with an actual lawyer after having to speak with an account representative. I spoke with XXXX XXXX, XXXX, who confirmed that they formally sued me to collect the debt. XXXX XXXX refused to confirm if XXXX was even aware of their decision to file suit. Keep in mind, the call line said it was being recorded and may thus be subpoenaed during a formal investigation. I had no other option but to sign a stipulation and settlement in order to dismiss the suit without prejudice. However, per the terms, if I miss any payment then Hunt & Henriques will refile their complaint. In addition, complaint this firm filed consists of a simple box check form without a proper affidavit executed by a XXXX representative with knowledge of the facts alleged. 

It took approximately one month from initial notice of my account transfer to Hunt & Henriques to the firm formally suing me in XXXX XXXX XXXX XXXX. I believe I am a victim of XXXXXXXX XXXX recent " lawsuit blitz '' against debtors suffering from financial hardship during the ongoing COVID-19 pandemic as reported by XXXX  ( XXXX XXXX XXXX ). Accordingly, I am compelled to seek redress against this financial institution for their victimization of myself and others similarly situated, who have been dragged unnecessarily into the judicial system because oXXXX XXXX XXXX greed.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I received a call from social security administration ( display on my phone ) stating that my personnel identity has been stolen and there are 7 charges ( from various government agencies filed against me ) including money laundering etc. and an arrest warrant has been issued. I have to cooperate with local police if I don't want to go to jail, who then connected me to local police no. person on other side gave his name and badge no, saying I have to follow their instructions. Since I am new immigrant to US and got threatened and followed their instructions of purchasing  gift cards of XXXX and provided them the detail of same ( their instruction was to first secure the funds first and place it in XXXX   account and once new SSN is issued I can open new bank account and transfer this money from this account to new bank account ). Once I realized that I am victim of fraud I did call Citi bank and XXXX  gift cards but it was too late. I also call local police ( who said a big scam is going on so ignore those calls ), still I insisted to file a complaint and they did so. Its very difficult for me to meet both ends and save some money for my kids education and now I feeling robbed and in bad mental state as I am not able to realize that, how can I do such thing and was hoping that City bank could have look at my case as genuine and help me to cover all or some these fraud charges.
Complaint sub-issue: Their investigation did not fix an error on your report

I reviewed my Complaints # XXXX, XXXX, XXXX and I discovered that you have closed my complaints last XX/XX/22. I am resubmitting my complaint today to inform you that I saw these UNVERIFIABLE accounts on my personal profile : XXXX  XXXX Balance : {$5100.00} ; XXXX  XXXX  XXXX Balance : {$7500.00} ; XXXX  XXXX Balance : {$820.00} which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I am hoping that these erroneous accounts will be fixed.
Complaint sub-issue: Information belongs to someone else

there is an account from XXXX XXXX being reported as charged of and a collection account from Jefferson capital as an account being in collection both accounts refer to XXXX XXXX. I don't recall having a XXXX   account, I have never been notified by either of these accounts. I believe Jefferson capital is trying to collect on an account I don't owe. 
Jefferson capital needs to send validation that this my account, and same with finger hut. XXXX and XXXX needs to remove both of these accounts for they are duplicate accounts being report twice to my credit report. once as a charged of credit card and once as a collection under Jefferson capital.

if this problem is not resolved through this report, then I will have to file a fraud affidavit against Jefferson Capital for being in possession of my person information with out providing any proof why they should be in possession of such information. 
make sure all document sent to me bares my signature and a photo copy of my government issued ID.
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter to these Equifax on XX/XX/2021. I mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. I have filed an FTC Identity theft report and Attorney General complaint for the disputed accounts. The 30 day mark is within a couple of days and I have not had a response. ( PLEASE SEE ATTACHED LETTERS SENT TO EQUIFAX, FTC REPORT and ATTORNEY GENERAL COMPLAINT. )
Complaint sub-issue: Account information incorrect

I have 2 credit inquiries that I do n't remember applying for that are on my record. 

Date - XXXX/XXXX/XXXX - Credit Inquiry - CBNA Date - XXXX/XXXX/XXXX - Credit Inquiry - CITIBANK NA
Complaint sub-issue: Information belongs to someone else

I checked my credit report and there where inquiries from identity theft reported on their on my equifax and my XXXX  and when i tired to have them remove it they wouldn't.
Complaint sub-issue: Personal information incorrect

My credit file at Equifax has an incorrect birthdate. Equifax was first notified about this on XX/XX/XXXX. In order to correct this, Equifax requested copies of my driver license and social security card to verify my identity and birthdate. Copies of these documents were faxed to Equifax on XX/XX/XXXX. Equifax then sent a me letter stating that the birthdate in my file had been corrected. This letter had a confirmation number and was dated XX/XX/XXXX. On XX/XX/XXXX, I contacted Equifax by telephone to lift a credit freeze, and I learned that the birthdate in my credit file was still incorrect. Equifax had no record of the letter or confirmation number it had sent me on XX/XX/XXXX. Equifax told me they would investigate the reason they had the incorrect birthdate on file. On XX/XX/XXXX, I received a letter from Equifax stating that they had verified that the incorrect birthdate was correct.
Complaint sub-issue: Reporting company used your report improperly

To whom it may concern, Under 15 U.S, Code 1681a ( 2 ) - Permissible purposes of consumer reports. 
( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. 

I XXXX XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report, And no consent is Identity Theft. 

If EQUIFAX can not produce any such agreement with my signature in 10 days, I'm demanding the accounts listed below, as a consumer, be immediately deleted and zero out from my consumer report. 

XXXX CARD ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX
Complaint sub-issue: Information belongs to someone else

I am a federally protected consumer and my federally protected rights have been violated by the following companies : XXXX, Equifax, and XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

You have really gone so far as to disregard my disputes. AGAIN, this state is unbelievable! Equifax and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Equifax so the reason we didn't get it '' doesn't occur but then its like nothing happened. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor? I want you to be responsive and REPAIR this account that caused me so much trauma. 

XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX 's XXXX XXXX Credit Card was opened on ( XX/XX/XXXX ) problems started from the beginning of purchase card had free interest for ( ) cabinets were not ordered or installed and interest free was up, spoke with XXXX 's and XXXX, cabinets were installed and defective poor working man ship on cabinets and even worse on installation. 

Many months to years of back and forth we had requested arbitration card was paid off and removed from credit and closed. 
XXXX XXXX has re-aged credit account XX/XX/XXXX after falsely showing payments for the last 3 years, on a closed account. ( Inaccurately credit reporting violation of FCRA ) NO payments have made during this time, XXXX is demanding payment on a closed account that was paid in full .... XXXX XXXX has damaged my credit with the late payments on my credit report. 
I must stress no action has been made on this account in 3 years due to paid in full. 

I sent a dispute to all three credit bureaus, asking for investigation of violations of FCRA of XXXX XXXX XXXX, and XXXX sent a letter XX/XX/XXXX states there are no delinquencies reported, which was a fraudulent lie due to the credit bureaus posting lates and dropping my credit score on my credit reports which is supported by the documents dated XX/XX/XXXX This has caused denials of credit which has caused a financial hardship which I want to be compensated a 1000 per violations and further damage to me financially.
Complaint sub-issue: Their investigation did not fix an error on your report

I would file a dispute and the dispute will open and close out on the same day. No real investigation is done and this has been done several times. 

I am a victim of identity theft and several information breaches including Equifax. Someone has been using my information to acquire things for personal gain.
Complaint sub-issue: Account status

Although I have filed bankruptcy and this was discharged in XXXX 2014, I am still battling with the credit agencies and creditors to reflect accuracy - this inhibits the ability to move forward and gain a credit history ; which was the ultimate goal of going to this extreme. I am simply trying to face forward and establish some positivity out of a horrendous situation. However, it has been months and they seem to discredit my claim. This is why I turn to this portal and request some assistance they may take a little more seriously ... thank you.
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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Our boss sent an email ( it was actually a scammer who hacked into her email ) and asked to get 3 gift cards and call and give the numbers to her client who was waiting. She was unable to do it herself at the moment because she was involved in a conference call. She said she would reimburse the cost. She needed 3 separate {$200.00} gift cards. we used our Discover card for two {$200.00} cards. Discover called to ask if we made that purchase which we did. Later that afternoon our boss notified all employees that she had been hacked and to not respond. Unfortunately, several people in the company had already responded. 

We do have a Police report. The purchase was made at XXXX using our Discover card. We talked to Discover and they basically said sorry you made the purchase but had your card been stolen ... so because we are honest and not lying about a stolen card we do not get refunded the money. Discover has numerous farad/theft protection safeguards in place. They have huge buying power and influence. They could dispute charges with XXXX. I feel they have numerous more avenues of recovery than the average consumer. Providing a Police report should be enough to gain some or all restitution. They basically said there was nothing they could do.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act : This list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXXXXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.