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

I have been depositing checks with BB & T and every time I do so, the XXXX, Kentucky branch of BB & T puts an extended hold on my check deposits. The branch located in XXXX, Kentucky at XXXX XXXX XXXX, XXXX, KY XXXX, continues to put extended holds on each of my check deposits in violation of the Expedited Funds Availability Act. I deposited a {$700.00} check on XX/XX/XXXX using the ATM at the branch in XXXX, Kentucky, and made another deposit on XX/XX/XXXX for two checks {$700.00} and {$1300.00}. The {$700.00} deposit that I made on XX/XX/XXXX, the branch did not release those funds until XX/XX/XXXX. The BB & T branch put an excessive hold on the XX/XX/XXXX deposit for {$700.00} for no reason other than because it was for more than " {$500.00} '' dollars. 

I spoke with a person named XXXX from the BB & T branch in XXXX, Kentucky on XX/XX/XXXX, who couldn't explain why they were putting excessive check deposit holds on my account. She called me on XX/XX/XXXX and said that on XX/XX/XXXX, they were releasing {$100.00} from the check deposits of {$700.00} and {$1300.00} that were made on XX/XX/XXXX, {$100.00} on XX/XX/XXXX, and the remainder XX/XX/XXXX. She then said that they were placing the excessive holds to make sure that the checks would clear, when there was no reason to assume they wouldn't. One of the checks was from XXXX XXXX. The BB & T branch in XXXX, Kentucky is violating the Expedited Funds Availability Act by placing excessive check deposit holds on my account. The BB & T branch is engaging in unfair business practices with their excessive holds on my check deposits. When asked they can't explain why they are placing excessive holds. The XXXX, Kentucky BB & T branch employees gave me the runaround as to why they are placing excessive holds on my check deposits. First they said it was because the deposits were for more than {$500.00}, then they said that it was because the account was less than a year old, neither of those are reasons under the Expedited Funds Availability Act to place excessive holds on my check deposits.
Complaint sub-issue: Deposits and withdrawals

Deposit was made XX/XX/XXXX for {$450.00}, and second deposit on XX/XX/XXXX for {$1500.00}. My account has been blocked since XX/XX/XXXX, and I am unable to access my account. When I call the bank, they refuse to give me any information as to why my account has been blocked and frozen.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax was reporting incorrect info on my credit report and this problem was very difficult to communicate with on the phone.       XXXX   and   XXXX   removed the incorrect information while  Equifax  did not.     I also believe they are implementing fraudulent business practices by advertising a low introductory rate on their website and then giving an error code after you submit your request. Then when you call the number they give for assistance they tell you they can only give you a higher rate over the phone.
Complaint sub-issue: Debt is not mine

Company reaged debt and made my credit score plummet without my authorization. In addition, i have tried multiple times to see what debt this is and every time i call them they can not locate my debt. Soemthing is severely wrong here! 

ALLIANCEONEXXXX XXXX XXXXXX/XX/XXXXOpen $ XXXXAccount DetailsLast Reported XX/XX/XXXXCollection Agency ALLIANCEONEOriginal Creditor XXXX XXXX XXXXStatus OpenOpened Date XX/XX/XXXXClosed Date -- Responsibility IndividualBalance $ XXXXHigh Balance $ XXXXRemarks Account information disputed by consumer, meets FCRA requirementsCreditor Contact DetailsALLIANCEONE REC MGMT XXXX XXXX ( XXXX ) XXXXSee something wrong? 
Learn more about how to dispute items on your credit report.
Complaint sub-issue: Account information incorrect

From my credit report, it shows a late payment forXX/XX/XXXX, calledXX/XX/XXXX, there was no late payment and I barely use that card. Also, I am the gold member with XXXX bank. This record destroyed my credit record, I have to have it fixed, thank you.
Complaint sub-issue: Attempted to collect wrong amount

XXXX allowed Enhanced Recovery Company to put inaccurate and incomplete information on my credit file. On XX/XX/2019, I wrote a letter to XXXX  and Enhanced Recovery Company stating for them to supply me with a signed original contract, so that I can establish a time period of the debt. I also asked for a full accounting of this account that will show payments made, if any. 
My request was simple and of reasonable nature. 
On XX/XX/2019, I received a letter from XXXX  stating the reporting of this debt was verified as accurate. I also received several random bills from Enhanced Recovery with three unrecognized random phone numbers. I have serious concerns about this account and the way that they are furnishing the information on my credit file. 
They is no history being reported which means that the information that's being reported in inaccurate and incomplete. 
Since XXXX  has stated that they have verified this account, I now have the legal right to have them prove that they are furnishing accurate information to my credit reports. 
Again, provide me with an original signed contract and a full accounting of his debt. 
I have attached the letter that I sent to XXXX  and to Enhanced Recovery on XX/XX/2019.
Complaint sub-issue: Having problems with customer service

I set up a repayment plan for my student loans. When I talked to a representative, in the beginning, they reassured me that all my loans were out of default and into the repayment program. I received a letter in the mail later that month letting me know that my biggest loan was about to be delinquent. I called Sallie Mae right away to resolve the matter and a lady representative reassured me that all of my loans were up to date and that my loan was n't in the negative. 2 months pass and I receive a third letter letting me know that my loan was in default and that I would have to put XXXX down to get my loan back in good graces. Needless to say, since the lawsuit, they have n't called me about the matter but they were very disrespectful about having me repay. Also, they told me that an income based payment plan did n't exist and that I would have to put at least XXXX down to fix my loan.
Complaint sub-issue: Investigation took more than 30 days

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX US DEPARTMENT OF EDU XXXX XX/XX/XXXX DEPT OF ED/XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

I have completed 2 rounds of disputes for this particular reporting with no action by Equifax. I am also requesting an investigation into the, third party reporter, XXXX XXXX as they are supplying this erroneous information to the bureau. It is their responsibility to make sure they are reporting correct information and they are not. I am disputing a dismissed XXXX XXXX bankruptcy that is showing on my report only on Equifax. This reporting is attached to a case with a social security number that is not mine. I sent a letter certified with delivery confirmation to Equifax and they received it on XX/XX/2022. They responded to the dispute on XX/XX/2022 and stated that it has been confirmed via a third party reporter, XXXX XXXX, and made no deletion of this erroneous information. Please mandate Equifax and XXXX XXXX to stop reporting this erroneous information on my credit report. Thank you in advance for your assistance.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I spoke to the company and they said the old fraud charges were erased and this balance now is another charge. I told them this would also be a fraudulent charge. I asked for a breakdown of previous being erased and show me the new charge they now claim I owe. 
He gave me this new ref. # XXXX for this new complaint. He said he could not give me the itemized list, but someone else will be contacting me. I went back on my statements and it does not show where they cleared tge fraudulent charge. Instead they keep adding charges and are damaging my credit.
Complaint sub-issue: Reporting company used your report improperly

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

Accounts to delete XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, DEPT OF EDXXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXXXXXX, DEPT OF EDXXXX 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 Bankruptcy Bankruptcy XXXXXXXX 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.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have the following inquiries on my Equifax credit report that should be removed. I did not apply for credit with the following companies and some that are on my report are over 2 years old need to be removed : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX XXXX XXXX 11. XXXX XXXX XXXX 12. XXXX XXXX XXXX XXXX 13. XXXX XXXX XXXX XXXX 14. XXXX XXXX XXXX 15. XXXX XXXX 16. XXXX XXXX 17. XXXX XXXX 18. XXXX XXXX XXXX 19. XXXX XXXX XXXX XXXX 20. XXXX XXXX XXXX XXXX 21. XXXX XXXX XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I'VE BEEN TRYING FOR SEVERAL MONTHS TO GET MY DISPUTES COMPLETED WITH THE BUREAUS BUT IT SEEMS LIKE THEY ARE IGNORING MY REQUESTS.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required XXXX-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : XXXX. Defamation XXXX. Negligent Enablement of Identity Fraud XXXX. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 


P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Complaint sub-issue: Information belongs to someone else

Someone has open fraudulent Account Under My Name that I Did not Authorize
Complaint sub-issue: Deposits and withdrawals

XX/XX/2020 I opened a business account with Citi bank. They let me withdraw XXXX & froze my account after the transaction & left XXXX of my money in the account. I tried to contact them and went to the branch that I opened my account ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA ) & they would not release my funds due to them needing to do an investigation & years later my account is still on hold & I can not access my funds that I did nothing wrong to obtain. Everytime I call none of the specialist know or can tell me what's going on.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX with XXXX  XXXX XXXX XXXX  ( original creditor : XXXX  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 an account without my written instructions
Complaint sub-issue: Information belongs to someone else

I was a victim of the data breach, had his information sold on the dark web on XXXX XXXX  data breach, and had to sue a dealership for fraud as well. 

I sent a 605B affidavit with a police report showing the numerous amounts of fraud with the information of the multiple breaches. This 605b FTC affidavit was sent to all 3 credit bureaus XXXX, XXXX, AND EQUIFAX. This FIRST affidavit was sent back in EARLY XXXX of XXXX. 

XXXX  respected the 605b/police report and had all of the fraud removed off my credit report. 

EQUIFAX did NOT respect the 605b/police report and the XXXX XXXX credit card ending in XXXX that had fraudulent activity was NOT removed. 

XXXX did NOT respect the 605b/police report and 3 credit cards that had fraudulent activity on them were NOT removed even though the police report and 605b showed the FRAUD. The 3 cards in  mention are by the following creditors XXXX XXXX ending in XXXX ( same as previously mentioned ) XXXX  XXXX card ending in XXXX and XXXX XXXX starting with XXXX. 

I spoke with both XXXX  and EQUIFAX they said the verbiage in the 605b wasn't correct for the TYPE of Fraud i was reporting. 

I have sent a NEW 605b affidavit and the same police report on XX/XX/XXXX, XXXX  still has NOT removed the 3 accounts in mention and EQUIFAX still has NOT removed the one account in mention. THEY DIDNT EVEN START a dispute till XX/XX/XXXX.
Complaint sub-issue: Debt is not yours

Grant & Weber has been trying to collect on a medical debt on behalf of XXXX XXXX for the balance of {$1000.00} to which they are not owed. I have asked them to provide written proof of the debt and they sent me a copy of a bill which is attached. I have at no point and time entered into an agreement to pay XXXX XXXX any money for any services. I have at no point had any medical procedures done to my face, ears or eyelids as the paperwork they have sent seems to suggest.
Complaint sub-issue: Their investigation did not fix an error on your report

My credit report is reporting XXXX XXXX  incorrectly reporting late payments inaccurately i sent this to XXXX and equifax and have yet to see the inaccuracy deleted or updated, this is dragging my credit score down. i need this deleted as soon as possible its unfair. its an inaccurate reporting.
Complaint sub-issue: Debt is not yours

My cell : XXXXcalls with the same message multiple times over day for a debt I do not have. I have no business relationship with titlemax. 
Calls : XX/XX/XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX and XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXXXXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX This is only XXXX. Has been going on for many months
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft. I discovered it in autumn of XXXX when I tried to open a credit card with XXXX XXXX. I believe my information was stolen after my first visit to the US in XXXX and used from XXXX to XXXX to open a number of fraudulent accounts in my name. Unfortunately due to my absence in the country from summer XXXX to autumn XXXX I didnt even though that it might happen as I didnt share my personal information with anyone except employers. During this time I lived in my home country XXXX and also studied in XXXX. I have all the proofs to this. I started fixing this identity theft issue right after I spotted it, by calling to fraud departments in banks where accounts were opened, contacting all credit bureaus, filing a police report, FTC report, IRS report. I sent proofs to banks, credit bureaus. All fraud data was cleared from my credit reports and after talking to investigation teams, most banks closed these fraudulent accounts but not Citi and XXXX XXXX. I tried to contact these 2 banks numerous times, sent all possible proof that accounts are not mine. But they always resolve these not in my favor for various reasons. XXXX is stating that my name was added to an account as a secondary user, but I dont know or ever knew this person that it was added to. Neither lived on addresses connected to that account. I did provide them with all the info and police report as they requested but didnt get a note that it was anyhow investigated or resolved. I contacted them : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and send a police report around that time. But my name was not yet removed from this account. Citi went even further and started selling this account to credit collection agencies and these started reaching out pushing me to pay for something I never owed. Every investigation result they send me is the same template. The investigation team never reached out to me even after they promised me to get me with the investigator. I contacted them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please assist, as at this point I dont even know what to do as these banks are straight harassing me with no reason for this messing my perfect credit history.
Complaint sub-issue: Received bad information about your loan

I would like to obtain the assignment documents of my loan from the initial loan servicer to the servicer that it was subsequently sold to. I requested the documents from XXXX XXXX but they were unable to find them as ofXX/XX/2018. I have been paying on time for this loan for over 10 years and am only 25 % paid off-I am not sure this has been a legitimate process so I would like to see the paper trail.
Complaint sub-issue: Their investigation did not fix an error on your report

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX and XXXX  XXXX
Complaint sub-issue: Problem getting your free annual credit report

I have been unable to access my annual free Equifax credit report since XX/XX/2018. The issue detailed below began before XX/XX/2018, and I finally called Equifax and they verified my information and mailed a report. I should be able to confirm my identity online as I am able to with the other XXXX credit bureaus. I believe Equifax is intentionally denying myself and others free credit reports in order XXXX XXXX business to their subscription based products. A quick XXXX search indicates I am not alone in being denied my free credit report. 

To retrieve free credit reports, I go to annualcreditreport.com, enter my identifying information and select the bureaus I want. I have been able to correctly answer questions posed by XXXX and XXXX to confirm my identity EACH and EVERY time I do this. However, every time I attempt to retrieve my Equifax report, I receive an error message stating my identity can not be confirmed and to mail about XXXX documents with sensitive personal information to Equifax and they will print and send a copy of my credit report. I believe this is an intentional strategy to force consumers to paid subscription services.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2020 Balance : {$33.00} or XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2020 Balance : {$33.00}.