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

I opened the account online on XX/XX/XXXX with an online bank transfer of XXXX . I received a XXXX deposit of {$800.00} on XX/XX/XXXX, and an ACH deposit of {$1400.00} on XX/XX/XXXX. I paid a credit card and sent money to my XXXX account at which point a hold was put on the account. On XX/XX/XXXX I tried to verify over the phone to clear the transfer, but was told I couldnt be verified. So I told them I would go to a branch, which I did on XX/XX/XXXX with multiple forms of ID, including a passport card, Drivers License, and credit cards. I went to the XXXX, FL branch and saw XXXX, he said he couldnt help me and the bank wasnt giving him any information and then let me talk to the person on the phone, who then said they could verify me through my Citibank App. I went in once again on XX/XX/XXXX and saw XXXX for the first time with my the same IDs and my Citibank card and the pin code. He told me there was no money in the account, and as of XX/XX/XXXX all of the funds were withdrawn from the account. He said he couldnt help me though, the account was still under back office review. I then left and called the fraud department, and they said that they were terminating our banking relationship so I expected to receive a check in the mail. I then received a letter telling me my account was being closed for identity theft on Monday XX/XX/XXXX. I called and eventually, after being told to call many different departments, was sent to the incident reporting unit, where I talked with XXXX. She said if I was to go into the branch just one more time they would be able to modify the account. I went to the branch that Friday, XX/XX/XXXX, with my IDs and my Citibank card and saw XXXX again at XXXX  instruction. XXXX called the incident reporting unit, asking to disburse the funds or turn the account on and was told I needed to send an email concerning the account details, which I did immediately. I was told to call in 1-2 days, which I did on Monday XX/XX/XXXX. I did not receive any responses from them. I called and was told I needed to fill out an identity theft affidavit, which they were sending. They didnt send immediately, so I called and they said the request was in. They didnt send it for a week, so I called and they sent it within the hour on XX/XX/XXXX. I immediately filled it out and sent it back. I called back today and he said he couldnt find any bank communications or the emails I have sent to XXXX. Ive called them more times than I can remember, Ive visited them three times with my identification, and this has been going on since XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Open Date :   XXXX /2016 {$3600.00}  Open Date  :  XXXX /2016 {$860.00} I was told that each contract was cancelled and after months it was not removed.
Complaint sub-issue: Information belongs to someone else

I have several accounts that I do not recall EVER doing business with still showing on my credit report. I was a victim of fraud so demand to see any and all legal documents connected to any contracts for business. Please delete XXXX XXXX. This is the second time I have had this issue. They are in violation of FDCPA and FRCA laws, 623,611 FDCPA 809,805 Aas well as HIPPA!
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. 

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 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 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: Their investigation did not fix an error on your report

Credit Karma refuses to update information on credit file # XXXX and # XXXX We have 2 mortgages. The house mortgage is not listed since 2016 after Bankruptcy.

Main resident not included. Does not show active on Credit Karma. Why? Balance owing {$58000.00} XXXXXXXX XXXX XXXX also with XXXX XXXX XXXX a remodeling loan balance of {$9700.00} balance. STILL OWING ON BOTH LOANS AND CURRENT. PLEASE HELP
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act- XXXX XXXX XXXX Account number XXXX has violated my rights. 

15 USC 1681 Sec 602A states that I have the right to Privacy. 

15 USC 1681 Sec604A Sec 2 also states that a consumer reporting agency can not furnish an account without my written instruction.
Complaint sub-issue: Reporting company used your report improperly

Under the Fair Credit Reporting Act ( FCRA ) ; 15 U.S.C 1681, Congressional finding and statement of purpose the credit reporting agencies XXXX, Equifax and XXXX as all violated my right to privacy under section ( a ) ( 4 ) with no regard for fairness and impartiality.

Per 15 U.S.C 6801 ( a ) XXXX, Equifax and XXXX violated the laws of Congress by not protecting the publication of my nonpublic personal information. These three agencies all have the obligation to respect the privacy of its consumer and to protect the security and confidentiality of my nonpublic personal information. These instances of negligence as caused harmed to my Family financial well-being.

Based on 15 U.S.C 6802 ( b ), I will opt out of all financial institution no longer disclosing my nonpublic personal information to XXXX, Equifax and XXXX that are all nonaffiliated third parties. My financial institutions never disclosed this to me at any time in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party reporting agencies. 
I should have been given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third parties ; and given an explanation of how I can exercise my rights. 
If the reporting agencies does not intend to ensure my privacy, due to malfeasance. I have the right to seek remedy under 15 U.S.C 1681n, Civil liability for noncompliance.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hard inquiry against my credit report exists, without my knowledge, and consent by Avantus LLC, on XX/XX/2017, which I dispute and would want to be removed
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX and I am submitting this complaint myself. These items are reporting late, yet it is closed and the balance is zero as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about this complaint. 

( XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX )
Complaint sub-issue: Information belongs to someone else

Accounts that I have disputed ( that are not mine ) are still on my credit report after I have written letters to the credit bureaus letting them know they are not mine. The credit companies are not complying with their own policies in a timely manner.
Complaint sub-issue: Account information incorrect

I demand the CFPB to hold Equifax accountable for these inaccurate accounts being furnished to my credit report. I have recently sent Equifax the challenge letter attached below. This letter answers any questions they might have and will enable them to delete both of these account swiftly. These inaccurate accounts listed below are causing me unnecessary injury and damages. If Equifax fails to delete these accounts in less than 30 days, I hereby demand they provide me documentation and transcripts via the mail of all correspondence, calls, texts, and emails used to verify this alleged account information. Include proof of any such mailing with my USPS tracking number in response to this complaint.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act " XXXX XXXX XXXX  '' Acct # 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: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX and account # XXXX, and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX BANK and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account BANK OF XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXXXXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXXXXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXXt Account XXXXXXXX XXXX XXXX and account # XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account DEPT OF EDUCATION/XXXX  and account # s XXXX, account # XXXX, and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX  and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account, 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 with out my written consent. 

XXXXXXXX XXXX XXXX XXXX
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 corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$2100.00}, XXXX XXXX XXXX Balance : {$9300.00}, XXXX XXXX XXXX  XXXX Balance : {$8200.00}, XXXX XXXX XXXX XXXX XXXX {$8500.00}, XXXX XXXXXXXX XXXX Balance : {$230.00},
Complaint sub-issue: Information belongs to someone else

Time has already passed but up until now, I havent heard any kind of response from the XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT FKA SIMPL-. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Complaint sub-issue: Their investigation did not fix an error on your report

Original Account # : XXXX XXXX Amount : {$1100.00} Original Account # : XXXX XXXX Amount : {$450.00} The above two ( 2 ) medical debts were deleted from my credit report with all 3 bureaus ( XXXX, Equifax, XXXX ) as the collection agency, XXXX XXXX, was unable to Validate the alleged debts. It appears that these debts are now being collected by XXXX ( XXXX XXXX XXXX, XXXX ) on behalf of XXXX XXXX XXXX XXXX and RE-inserted on my credit file with all 3 bureaus ( again ) without validation. 
A Validation Request was sent to XXXX  ( XXXX XXXX XXXX, XXXX ) via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ). I received a simple billing statement of the alleged charges which does not meet the FTC guidelines on what constitutes proper debt validation. I sent a second Validation Request via Certified Mail on XX/XX/XXXX ( delivered on XX/XX/XXXX ) and received the same simple billing statement. Again, this does not meet the FTC guidelines on what constitutes proper debt validation. 
These collection accounts remain on my credit file with all 3 bureaus ( XXXX, Equifax, XXXX ) without Validation. 
Furthermore, XXXX ( XXXX XXXX XXXX, XXXX ) AND the Credit Bureau ( s ) did NOT provide me a HIPPA release that releases my medical information to them or an original consumer contract with my signature on it when requested. 
The Credit Bureau ( s ) failed to provide or respond to my request for proper Validation.
Complaint sub-issue: Account status incorrect

XXXX  accounts that had been deleted of my report due to identity theft keep coming back up  XXXX  finance and  XXXX   XXXX  bank. Also my payment history with   XXXX    was corrected all delinquent payments were removed and now show back up. I will show picture proof they where deleted.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Purchased a patio sofa set with insurance from Wayfair after applying for credit in XX/XX/XXXX. I returned the product in XX/XX/XXXX and received confirmation from Wayfair that all items had been returned. Wayfair credit is provided by Citibank. Wayfair did not refund the total amount of the purchase to Citibank all at once. They released amounts in four different amounts over a period of three months. During this time, Citibank was charging me interest and reporting to the credit bureaus that I was last making payments. I contacted Wayfair and Citibank in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to verify the merchandise was returned and that nothing was owed. In XX/XX/XXXX and XX/XX/XXXX, I was on the phone with Wayfair and Citibank and a representative from Wayfair informed Citibank that the merchandise was returned and there is no balance. However, to date, Citibank states {$4.00} is still owed which is now over {$170.00} in interest and late fees. In addition, I have called Citibank numerous times filing a dispute which they have denied. During this time, my credit score has dropped over 160 points and most of my credit card companies have lowered my credit limit. Please help me resolve this issue asap.
Complaint sub-issue: Lender trying to repossess or disable the vehicle

The company Carmax auto finance repossessed my vehicle with 1 day notice. Once I was offered a payment plan I made the payment and they still took my car. I made the payment of XXXX XX/XX/2022 and my vehicle still was taken from my possession.
Complaint sub-issue: Company closed your account

I have reasons to believe that Macys/ Citi bank violated my rights under the the fair credit act and/or violated rules and regulations of the XXXX when processing ACH payment. I was never informed of problem with the ACH payments. In a previous complaint my concerns were ignored and problems were confirmed that showed that Macys billing statements had errors and I was over charged {$25.00} with {$4.00} of that false claim interest fee. My records reported to the Credit bureau had on time payments and not one missed payment 6 months in a row. Emails confirming payments and not one alert of a return payment or missed payment. I was charged {$21.00} on XX/XX/XXXX for a XXXX debit payment placed on XX/XX/XXXX amount {$29.00} bank reference # XXXX. I was charged twice {$2.00} fee for interest on a {$0.00} balance. This error is shown on the end of year billing statement showing {$25.00} ytd fees and {$0.00} ytd in interest fees. What happen to the {$4.00} false interest fee? 

This was first brought to customer service in XXXX of XXXX when a balance of {$10.00} remained that I felt I did not owe. Billing statement prior to XX/XX/XXXX were viewable on line. And I had to request these statements and receive them XXXX of XXXX. 

Macys put in a blank dispute in XXXX when I called customer service. 

This is the mistake that Macys can not deny and was reported several times and on record. 

Macys/ Citi Bank billing statement under account transaction - XX/XX/XXXX payment {$16.00} and XX/XX/XXXX payment reversal {$16.00}. 

Citibank Client Services XXXX XXXX XXXX XXXX XXXX, SD XXXX Citi bank statement Personal checking account Balance as of XX/XX/XXXX was {$31.00} XX/XX/XXXX ACH Electronic Debit MACYS ONLINE XXXX XXXX {$16.00} To After payment Balance {$6.00} XX/XX/XXXX Returned Insufficient Funds - ACH Txn {$16.00} I provided a copy of bank statement to show the funds left account and it was reversed without notifying me. 

This was in dispute but Macys continued to report and charge fees. XX/XX/XXXX I paid {$16.00} instead of the {$110.00} that was being charged on an over charge {$10.00} balance. Macys continue to bill late fees on {$0.00} balance and interest. My account was reported close although it shows in dispute with {$100.00} credit limits zero balance.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish Equifax has been convicted of furnishing incorrect scores and it has affected me I have high interest rates and credit denials. 

Accounts : XXXX XXXX : {$770.00} XXXX : {$260.00} XXXX XXXX : {$530.00} Hard Inquires : XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have a fraud alert on my credit file with my phone and someone used my information to apply for credit and no one contacted me at all
Complaint sub-issue: Account status incorrect

We had a series of deaths in our family. This caused some issues paying our bills. I enrolled with XXXX XXXX and let all of my credit card creditors know. They worked out settlments with XXXX ( XXXX XXXX ), XXXX/XXXX  XXXX, XXXX XXXX, XXXX XXXX/XXXX, and XXXX XXXX. They are still in the process of working out a settlement with XXXX XXXX. All of theses accounts ( except XXXX XXXX ) are paid in full according to the agreement ( some are with a legal firm ). In fact once we got caught up I paid the balance of the settlement off early with XXXX XXXX, XXXX XXXX, and XXXX XXXX. Most of these creditors report the accounts incorrectly. For example, most of them are still reporting an " FP '' failed to pay currently even though there is no balance. Most of them are also reporting the status of the account as derogatory or a charge off. Also, they are reporting that I still owe them money and list that amount as past due. I have contested this with each credit bureau ( XXXX XXXX, XXXX, and Equifax ). All have come back saying the information is correct so I can no longer contest online. I have uploaded the settlement agreements to each bureau also but they changed nothing. I have sent them letters in writing with no response. I have also sent letters to XXXX, XXXX, XXXX XXXX, and XXXX. Along with having a full time job we also own an electrical business and are in the process of going for a small business loan. With these inaccuracies it is putting that financing in jeopardy. Credit counseling should be a good thing and if the creditors were more willing you could work out a fair settlement on your own. But when they continue to add multiple fees and interest month it spirals out of control and make it impossible to ever pay back the debt. Attached are a few of the letters I have sent. I can find them all if necessary.
Complaint sub-issue: Debt was paid

I have been paying XXXX directly for my bill of {$400.00} and Enhanced Recovery Company is claiming to own my debt. I told XXXX the rep. from Enhanced Recovery Company who called me initially that XXXX have agreed to continue getting paid directly from me for the account and Enhanced Recovery Company can not put it on my credit reports as a debt owed to Enhanced Recovery Company and XXXX said I ca n't pay XXXX I have to pay Enhanced Recovery Company or they will take me to court and I would face criminal charges for this debt. Enhanced Recovery Company went ahead with putting the Debt collection on all XXXX credit reporting agency reports. I called several times and have been hung up on and told to pay them or else they would continue to trash my credit. My credit score have dropped to under XXXX and several of my creditors have closed my accounts due to Enhanced Recovery Company actions of falsely reporting this debt and also continue calling my cell phone and work phone daily
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 XXXXXX/XX/XXXX