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

My name is XXXX XXXX. On XX/XX/2021 I confronted a person I was dating about some fraudulent activity I seen on my accounts through my phone when I allowed him to use my phone while I worked the one in particular that I noticed was on my MONEYLION account. I have my check being split into three different accounts at the time and {$250.00} of it's went into the Moneylion account. That turned out to be a very bad day because it turned out to be a XX/XX/XXXXXXXX incident and I had to file a police report in that police report I included the fraudulent activity I noticed on this account. I called Monday lion this past Saturday and I asked them via chat what I needed to do to open up that account or get access to my funds she said I was to send a copy of an unexpired government state issued ID as well as proof of residency address that is within 60 days I sent three different documents and I sent that on Saturday and I specifically asked her and I will send the screenshot to you how long will it take if I was to send an email to the documents today meaning Saturday she said 24 to 48 hours It also says this when you call them and you get transferred to them to give it two days this was on the XXXX that it happened XXXX XXXX today I have not heard nothing and I keep getting the runaround I have saved all of my chats with this company nobody 's giving me an answer I provided everything they needed everything they asked for I've offered the police report they haven't asked for that yet and I can not get an answer in them to release my account I just want my funds. Also you can not reach retention any other way but via email and you do not get responses via email I had to chat three times as well as call two times and still was refused any kind of access to them other than email and I was told it's being escalated three times. According to theXX/XX/XXXXsite they have quite an issue with presenting the way they do things one way in doing something completely different and I didn't even realize this and should have checked beforehand.Also that they freeze the money whenever they suspect fraud and they complete payments and they don't allow nothing else to happen to protect the funds but at the same time {$250.00} went in from work and I have two {$210.00} left because they they have taken out their money for their fees as well as they let another bill go through via XXXX.
Complaint sub-issue: Information belongs to someone else

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more th an 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX  XXXX XXXX
Complaint sub-issue: Investigation took too long

this accounts was disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Certified letter was received on XX/XX/XXXX, return receipt in attachment investigation still in process takes more than 30 days, no any answers
Complaint sub-issue: Deposits and withdrawals

My dad 's savings account had a POD provision. He passed away XX/XX/2018. The bank lost the paper work and informs me that I must get a lawyer to access funds that now belong to me.
Complaint sub-issue: Their investigation did not fix an error on your report

UPLIFT INC. ACCOUT NUMBER XXXX. IS REPORTING ON 1 CREDIT REPORT THAT I WAS LATE XXXX OF XXXX  BY 30 DAYS. THIS IS INCORRECT AND THEY HAVE YET TO REPLY OR FURNISH ANY PROOF THAT I WAS LATE
Complaint sub-issue: Their investigation did not fix an error on your report

I recently sent a letter to Equifax asking them how they verified 2 accounts that are on my report XXXX XXXX and XXXX XXXX XXXX. Equifax stated in their response that the account with XXXX XXXX was updated but noting was mentioned about XXXX XXXX. The letter was received by Equifax on XX/XX/2019. I did not receive a response until XX/XX/2019. According to the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give you method of verification within 15 days of your request. That is well beyond the 15 days allowed. Additionally, I received a letter from XXXX XXXX XXXX   dated XX/XX/2019 and received by me on XX/XX/2019 stating that THEY HAVE NO SIGNED CONTRACT. In the second paragraph of the attached files. So AGAIN I ask Equifax how did you verify/conduct a reasonable investigation the account with XXXX XXXX XXXX  if you have NO signed documents to substantiate the account?
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I am writing to you about a canceled reservation on XX/XX/2022, using my cash app debit card. We never went to the hotel due to an illness. I tried calling the cash app support team and was rudely hung up on by them for weeks. I asked to be connected to a supervisor and was denied and hung up on again and the a text message came to my phone saying that my request for my own money was denied. This kind of behavior is very disrespectful and disturbing and not a good or professional look for their company.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX details XXXX XXXX, XXXX XXXX XXXX from XX/XX/2018 2018
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a dispute against XXXX XXXX XXXX  early XX/XX/2020 when I noticed it appeared on my credit. I had no knowledge of nor was I informed of the debt prior to submission on my credit report. Upon my investigation I found out the it was a 3rd party attempting to collect a debt on a account ( XXXX XXXX XXXX  ) that was already REMOVED from my credit as it was proven to be a result of identity theft. The removal of that account was over a year ago. in response to my complaint, XXXX XXXX responded via cfpb that indeed they did not have verification proof of the purchased account, agreed to stop collection. The credit bureaus however claims that the information is accurate and reporting correctly but will not provide me with proof of validation. The credit bureaus could not have been provided with evidence of validity if the actual company admitted to NOT having validity themselves. This is an attempt to collect an identity theft account and need to be removed urgently. There are police reports, FTC reports, XXXX  cases, numerous CFPB claims and the actual federal government has actually dismissed the loans associated with XXXX as I have NEVER attended this university. Remove this account from my credit.
Complaint sub-issue: Debt was paid

I received a letter from TRS recovery services that I owed two payments to XXXX for items I had purchased at XXXX. My bank, XXXXXXXX XXXX in XXXX WA was purchased by XXXX XXXX XXXX and it was in the transition period that I went to XXXX XXXX Wa to XXXX and purchased several item for a total of {$180.00}. I tried to use a debit card from my bank, XXXXXXXX XXXX and it was blocked. I did not receive any checks from XXXX XXXX XXXX for few days, so I used an XXXX XXXX  to pay for the items. I also received another letter from TRS recovery services in the amount of $ {$27.00}. They are adding a {$30.00} fee for a total of {$320.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX continues to violate my right to privacy by continuing to harass me by submit negative, harmful and detrimental information to the three credit reporting agency. This is continuing to be done because I asked them to validate a debt and they have not.They refuse to validate a debt and instead continue to attack my character thru unlawful reporting. Pursuant to Federal Law 15 USC 1692g their continuing to report harmful, character deeming information is against my rights as a Consumer. Furthermore, pursuant to 15 USC 1681 under the FDCPA I have a right to privacy. I did not give them permission to report anything to anyone. 
In addition, XXXX, XXXX, and Exquifax continue to allow them to report and I did not give them permission either. I am the Consumer, I have a right to privacy. They can do as they wish to a citizen but NOT to a natural person, consumer, citizen of heaven.
Complaint sub-issue: Problem during payment process

I was experiencing a lot of problems with their website. I had to call their technical support, they too had trouble helping. I then was able to add my checking account, struggled to make a one-time payment, and then setup autopay. 
AutoPay did NOT work and I got stuck with a fee. I immediately logged back in as soon as I received an e-mail from them and paid 4 times as much as the required payment, then again re-setup autopay ( it took two attempts again .... ). I called today to discuss this with the customer service representative whom was extremely rude and provided ZERO assistance. Additionally, it appears that they dropped my credit line without any notice, nor could he say why. Horrible company to work with.
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX XXXX XXXX  or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Dear Sir or Madam : I am writing to dispute a debit in the amount of {$1300.00} on my account. The amount is inaccurate because the merchandise I ordered was not delivered. I ordered the merchandise on XX/XX/19. I received the package on XX/XX/19, but opened the package on XX/XX/19. Upon opening the package, ( package came in a shipping bag instead of a box ) I noticed that the box of the product had already been opened and was not sealed in the plastic shrink-wrap that it would come with. When I opened the box, all of the contents were missing. Instead of what I ordered there was a heavy egg shaped granite sphere and what looks like a base that holds it. I immediately contacted the merchant through email as they are a XXXX company and I did not have a way to call. I explained to them that I received the package, but the contents were not what I ordered. The merchant explained to me they would contact their warehouse and email me once they received a response. On XX/XX/19 the merchant contacted me to explain that the warehouse informed them they had indeed shipped out the item. The issue at hand isn't if the warehouse shipped/did not ship the item. The issue is that the package that was shipped out was fraudulent, and did not have the items I ordered. The merchant explained to me there was nothing they could do and that I needed to contact my local shipping courier. Immediately after the merchant informed me of this, I inspected the shipping bag that the package came in. This shipping bag did not appear to have been tampered with, as the only cut was the one I had just made to open the package. Being a bag instead of a box would have made it difficult to hide any type of tampering. A bag would continue to show an opening no matter how it is taped as opposed to a box which can be opened and re-tapped without anyone 's knowledge. I proceeded to contact USPS and explained to them the situation. They let me know that this is something they would be looking into and would contact me by email. USPS sent back an email stating the package had been delivered without issue, and was delivered the same way they received it. I contacted the merchant and explained that USPS had completed their investigation and deemed that the package was delivered in the same condition it was sent. The seller then gave me the same reply to  check with the shipping company which sent the item to me. This is the point at which I contact my bank and file a dispute explaining what happened.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX the account is reported by Equifax closed/charge off with balance - XX/XX/XXXX up to present..XXXX XXXX reported as closed/charge off with balance from XX/XX/XXXX to present.. XXXX XXXX reported as charge off with balance - from XXXX to XX/XX/XXXX and XXXX to XXXX XXXX XXXX XXXX charge off with balance - XX/XX/XXXX to XX/XX/XXXX ... Only Equifax unverified the accounts and it has hurt my ability to obtain credit.. Under the FCRA, unverified accounts must be removed and if Equifax is unable to provide me a copy of verifiable proof, you must remove the accounts listed
Complaint sub-issue: Problem using a debit or ATM card

The following disputes were opened on my Ally Checking account ( ending in XXXX ) : I submitted a transaction dispute on XXXX for a ACH of {$550.00} ( XX/XX/22 ). The case number for this dispute is XXXX. 

I submitted a transaction dispute on XXXX for a ACH of {$1500.00} ( XX/XX/22 ). The case number for this dispute is XXXX. 

I submitted a transaction dispute on XXXX for a ACH of {$1000.00} ( XX/XX/22 ). The case number for this dispute is XXXX. 

I submitted a transaction dispute on XXXX for a ACH of {$2400.00} ( XX/XX/22 ). The case number for this dispute is XXXX. 

I submitted a transaction dispute on XXXX for a ACH of {$2500.00} ( XX/XX/22 ). The case number for this dispute is XXXX. 

Each dispute was opened as fraud has been committed by the money service business, XXXX, received my funds but against their terms of services did not make the funds available for my withdrawal at any time and have locked my funds. The merchant, XXXX, is now unresponsive and shutting their company down on XX/XX/22. I have no means to reverse my money out via ACH or any other means by the merchant, despite advertising their services in such a way where I could. I asked Ally Bank to investigate this fraud but instead of doing a thorough investigation they closed each of the disputes above and asked me to deal with the merchant directly. As this is a case of fraud, I am requesting Ally Bank to dispute these transactions with the merchant and resolve the case so that I can receive my money back.
Complaint sub-issue: Debt was paid

My LoanCare Loan amount was paid in full when I sold my house and when my escrow was closed on XX/XX/2021. Since then I am trying to update this on my XXXX credit report. I have provided the document I received which shows that my balance is {$0.00} but XXXX  just closed my dispute stating that LoanCare has certified the information and it will remain on my report. Not only they are not updating the account status they are also keep marking late payments every month which has ruined my credit. LoanCare is one of the worst company I have ever deal with. I had to hire a lawyer to get them talk to us otherwise they gave me run around for last 2 years. Once lawyer got involved they hand over my account to company called XXXX. XXXX  account representative was the one helped out to get me the payoff letter ( attached here ) and I have provided this to XXXX  but unfortunately XXXX  not taking any action. 
I also have all email correspondence saved which I sent in over 2 years to LoanCare and then to XXXX once my lawyer get involved. 
Please help me to solve this issue.
Complaint sub-issue: Received bad information about your loan

sending this complaint is student & Mother & Father ( divorced ) We applied with a 1 page promissory note to XXXX XXXX, for a $ XXXX XXXX XXXX program, which would be accomplished in 2 yrs or less, and the amount determined to stay in the " dorm '' setting was $ XXXX. We received no hard copies, no totals, no interest amounts in the document sent online to sign.. for the private portion of the loan done by Discover Student loans. We did receive these details on the stafford portion. Both stafford and private loans were rolled together and shortly after graduation we received notice of the loans balance- near $ 120K.  Because divorced parents had not communicated with one another, each parent assumed the other had received these documents/ info. Upon learning neither did, we believe we have been defrauded. We sought an attorney. 8 letters were sent like the one we provide here requesting proper promissory notes. But no response was given. Many calls were made and no one with authority to discuss the issue of no loan documents where the totals/interest/terms etc were signed. When the attorney finally did speak with someone in charge, after almost a year, and significant legal fees, he was told they had no intention of providing this and the loan was being sent to collections. Other false promises such as the " XXXX XXXX '' being respected as if from an accredited college were made. Job searches reveal it is not recognized as anything but a trade school, & the degree hasn't been useful.
Complaint sub-issue: Trouble with how payments are handled

I, like so many people, have had problems with FedLoan Servicing. They sent notifications that payments were sue to an email address I do not have access to, and made no other effort to contact me saying I was missing payments until sending a letter in the mail saying if I did not make a very large payment, my loan would default. I called an explained to a representative that I had not been notified that I needed to make payments which is when I learned they were sending notices to the wrong email address. The representative told me that she would fix it so it did not look like I missed these payments, but it still shows up on my credit report that I have several missed payments, and now my credit has greatly suffered.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX : {$2600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$890.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$370.00} XXXX XXXX Balance : {$2600.00} XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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: Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I am in disagreement with the items listed below which still appear on my credit report, even after your investigation. I would like these items immediately re-investigated.These inaccuracies are highly injurious to my credit rating. 

XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX Furthermore, In accordance with The Fair Credit Reporting ACT, Public law 91-506, Title VI, Section A-D, please provide the names and business addresses of each individual with whom you verified above, so that i may follow up i've contacted XXXX also they have told me they are not reporting anything under my name and social and i don't owe them and never have I had a loan with XXXX XXXX XXXXXXXX which i have paid in full which shows on my credit report they were then bought out by XXXX i have never taken out a loan or owed them money PLEASE do a proper INVESTIGATION UNDER THE FCRA OR REMOVE ACCOUNTS forward me an updated credit report after you have completed your investigation and corrections. 

your cooperation and prompt attention are greatly appreciated. 

Best Regards,
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have unauthorized inquiries on my credit report. 
XXXX XXXX inquiry date XX/XX/2021 XXXX XXXX XXXX inquiry date XX/XX/2021 XXXX & XXXX inquiry date XX/XX/2021 & XX/XX/2021 XXXX XXXX  XX/XX/2021 2021