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

The Set Up In late XX/XX/XXXX, I was selling my car. A buyer online offered to buy it for {$4000.00}. He agreed to send me a certified check from a bank in the purchase amount plus an amount to pay the transport person. The buyer sent the check for {$5900.00}. I was to keep the {$4000.00} and send by XXXX the {$1900.00} to the transporter. I thought this was strange, purchasing a car without seeing it and then having me give the money to the person to move it. But, I knew I would do nothing until my bank ( U.S. Bank ) told me the check cleared. I deposited the check remotely using my U.S. Bank app. On XX/XX/XXXX, within XXXX hours, U.S. Bank notified me the funds were fully available/check had cleared the clearing house. I then made the transfer of the {$1900.00} based on my bank telling me the funds were available. 

The XXXX Sting U.S. Bank told me the money was available. I would not have sent the {$1900.00} by XXXX had U.S. Bank not done that. They blew the whole clearinghouse system process and caused my reliance. 

The XXXX Sting The BuyeXXXX contacted me on XX/XX/XXXX, that a family tragedy had happened. They needed the remaining money back, minus {$500.00} for my troubles. I became suspicious and refused saying I would not XXXX any more money. I needed to consider what was going on. I thought I was being used in a money laundering scheme. I began to investigate the bank on which the check was written and it no longer existed. It was purchased by another bank around XXXX. The defunct bank was called " XXXX Bank XXXX XXXX XXXX. '' I called U.S. Bank as soon as they were open next to report the fraud. They said it was likely a fraudulent check. I replied " not so '' because U.S. Bank had already noted it available for use/the check cleared. The bank conducted an investigation based on my complaint about the fraud and the banks negligent behavior. The bank determined on XX/XX/XXXX that the check was fraudulent, docked my account, and sent me a returned deposit notice. On XX/XX/XXXX, more than XXXX days after beginning the investigation, I received the notice that U.S. Bank would not take responsibility for their error. I had been told by their fraud department that if they took more than XXXX days they would give the money back.
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, XXXX, CBNA add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, CITIBANK NA., BEST B add a hard inquiry on my credit report per XXXX  . No contact information has been reported by this creditor. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

I have head identity theft is use for 10 years I finally had gained a long time credit card and then to cards within the last year making perfect payments and I kept getting in card enquiries and collections from medical hospitals and doctors that I had no awareness of and they were investigated and removed the company is switching up the names in the keep getting put back on my report I had got my score up to XXXX and Equifax is now Is refusing to remove the same collection account that is fraudulent that they already disputed last year and consider fraud somehow this company keeps popping up and getting through even though all my reports are lot the same goes as hard inquiries and I have a statement on there that says they need to XXXX call me and ask me for some personal information to run my credit I never once have agreed to let anyone run my credit except for my main credit card that is the most recent my scores have dropped tremendously within one month and the credit agency had a raced every single thing on my credit report many years of good payment history and both my current credit cards that I had been paying for NA more than perfect way, now that that happened it is messing with all 3 credit bureaus Because they were all at XXXX and XXXX And after Equifax deleted everything when I made a dispute over a hard inquiry that I did not approve of they deleted everything in it affected all 3 bureaus now the issue is Equifax will not remove the collection in the day already disputed last year they have no good history that they were reporting and they have no reason to remove it they made the mistake and lost the information.
Complaint sub-issue: Account status

Hello, I am concerned about XXXX accounts which I have been disputing for several months now. They are appearing on my Equifax report and have not had any activity since XXXX of 2008 and Equifax has continued to keep reporting it after I have asked them to delete them from my file as they are not allowed to report past 7 years of the date of the last activity. The accounts are listed as 1 ) XXXX XXXX XXXX # XXXX ; 2 ) XXXX XXXX ; 3 ) XXXX XXXX XXXX # XXXX 4 ) XXXX XXXX XXXX XXXX XXXX # XXXX these XXXX accounts received their last payments in the XXXX of 2008. That is when I defaulted after I lost my job and had no money to make any payments. I have never made a payment or had any activity since about XXXX of 2008. These accounts are very old and I hope that they will just delete them already. I have fought them over and over again on the accuracy of these dates and the furnishers can not help me, they say, because they can not pull any records. So how did Equifax verify these dates? They need to know that it is not right to report items past the statue of limitation, which I was told by XXXX that that is XXXX years. Please, can the CFPB ask Equifax to investigate these again or delete them? I need to start my life over again already and this is holding me back and making me very very depressed.
Complaint sub-issue: Reporting company used your report improperly

I simply asked for a credit increase but first I wanted to pay off some debt and the ran my credit to soon
Complaint sub-issue: Debt is not yours

I have an unverified account from ENHANCED RECOVERY. I had previously disputed this account. I have never done business with ENHANCED RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g,  I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY provide verification of the following  : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for  any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Complaint sub-issue: Funds not handled or disbursed as instructed

Citibank closed my account last year XXXX with funds of {$290.00} they said they sent a check which they sent it to an address I havent lived in 6years I called them they stated they sent another check to the nee address but they didnt put the right apartment I called a third time they stated they I had to send a copy of a bill which I did in order to prove I resided at the address i never got a response so I called them they send they received it and they would resend it and I would receive it within 5-10 business days and I still havent received anything!
Complaint sub-issue: Information belongs to someone else

Awhile back I lost my wallet with all my personal information inside. I did not think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 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

Equifax has been non-compliant with removing the unverified account Bankruptcy DISMSD/CLSD XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that Bankruptcy DISMSD/CLSD XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Attempted to collect wrong amount

I never hired or authorized this XXXX doctor to do anything. Any services that may have been requested was done by another doctor or hospital. I never agreed to make payment or be responsible for payment. I also have XXXX XXXX XXXXXXXX with a 100 % coverage and no delectable even if I authorized the XXXX XXXX ( which I did not ) I would have been covered by my health insurance provider.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Hello my name is XXXX XXXX and my complaint is against Best Buy/Citi Bank in regards to a Best Buy Visa Credit Card that I had applied for in the beginning of XX/XX/2018. I had made my first few purchases. And then I went to make a purchase a few weeks after that and my card wouldn't work. So I decided to give them a call and inform them that my card has been locked. They told me that my phone number didn't match up to the phone number they had for me on file. They said to wait for a reference number to arrive in the mail in 7 to 10 business days. The letter didn't show up for about 30 days. After I had read the paper and I wrote down the reference number I called Best Buy to give them that number and they said we're sorry to inform you that our verification process changes from time to time and that my account can't be verified. Then I happen to to notice charges on my Best Buy account that weren't made by me and so I called to dispute those unauthorized transactions.The representative I I had talked to decided too dispute all of the purchases instead of the ones I had told him to dispute which in turn prolonged the process. He then decided to cancel that card and issue me a new one. They said to wait another 7 to 10 days for another reference number. When that reference number arrived they said the same thing and it just repeated itself for two months or so. I have most of my current documents that I received from Best Buy along with personal notes that I had wrote along the process that I am going to upload to you guys. If you look really carefully at the account statements they sent me you can clearly tell that it's not accurate something is obviously wrong. This experience made of great impact on my life in a negative manner causing me a lot of XXXX & XXXX which is unacceptable to me and it's not fair. I would like to add that during this time they said that this has never happened to anybody before that they know of and it ended up happening to my girlfriend also but she didn't have any unauthorized transactions. I could go on and on about how this made me feel and provide great detail but that would take forever along with how confusing and complex this has been. I'm gon na provide all of the documents in relation to this complaint to the best of my ability along with a few personal notes I had written during this mess. Thank You.
Complaint sub-issue: Received bad information about your loan

Nelnet, has reinstatement my loan without any notice or any right to appeal. Nelnet, has not re-disclosed my terms of the loan. Nelnet, has not fully disclosed terms under Reg Z. Nelnet has violated the Americans with Disablity Act by reinstated my loan againist the doctors order.
Complaint sub-issue: Account status incorrect

Incorrect Derogatory Collection Account being reported to my credit reporting by XXXX, XXXX, and XXXX. 

IC System is now knowingly, willfully, and recklessly violating my FCRA rights by reporting an incorrect, invalid debt and collection account. The information reported is derogatory, and affects my ability to obtain proper credit, and defames my character. 

I have attempted to remedy the invalid, incorrect reporting myself however, IC System refuses to remove it as evidenced by the documents included in this complaint. 

USPS Certified Signature Required Letter : XXXX, USPS reports " Your item was delivered at XXXX XXXX  on XX/XX/2020 in XXXX  XXXX, MN XXXX to IC SYSTEMS MISC. The item was signed for by XXXX XXXX. '' Document received XX/XX/2020 USPS regular mail in response from IC System dated XX/XX/2020 labeled " ACCOUNT VALIDATION '' does not meet proper FCRA documentation requirements or provide proof this debt belongs to me. This is not my debt. IC Systems is incorrect in it's reporting of this adverse information.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Complaint sub-issue: Debt is not yours

I had an accident at my job almost a Year ago they took me to the emergency room to check on me, months later I got a letter showing how much i Owe the dept collector I have try using my insurance it Didnt cover it so I talked to my managers about the issue, I called the debt collector to let them know it was supposed to go in my workers comp they told me i needed to get the imformation about the workers comp so it can get paid, I asked my manager the imformation and they have told me to give them debt collector my case number and the phone number to contact the people so my debt could be paid, they said they couldnt do that and arent supposed to call anyone and Hung up, I mention this to my managers they tried to call them and told them about it but they Hung up on my managers so they tried again and my managers told me i dont have to worry that my dept would be paid, weeks past and it still shows that I still owe them money and I dont know what to do, my managers told me this is the only way I can pay my debt and the bill wasn't supposed to be sent to me it was supposed to be sent to my workers comp.
Complaint sub-issue: Problem accessing account

I have an XXXX account and PNC won't allow me to link my checking account and XXXX Account to round up my purchases to use as investments.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I need your help in order to get in touch with my bank and try to solve my problem. I would like my Citi Dividend Card to please investigate a charge made by a company called XXXX XXXX. This company failed to provide the services that I paid them for. I paid them {$800.00} on XX/XX/2017. I already tried to dispute with my credit card company but I do not appreciate the way they treated me and disregard my wishes stating that was past 60 days. I never got my services rendered and it is very hard to do anything in the first 60 days when the company you paid for the services is stringing you along. Thank you
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 right to privacy and confidentiality under 15usc 1981 Accounts 1 ) XXXX XXXX XXXX Account 2 ) XXXX XXXX XXXX XXXX Account 3 ) XXXX XXXX Account 4 ) XXXX Account XXXX ) XXXX XXXX XXXX  Account 6 ) FIRST PROGRESS CREDIT Has violated my right. 15 usc 1681 section 602 ) State I have a right to privacy. Section ) 604 Consumer reporting agency can not finish a account without my written instructions Also if you read 1681s-2 ( A ) 1 1681c. ( A ) ( 5 )
Complaint sub-issue: Information belongs to someone else

Yesterday I went to the XXXX dealership end test drove a car. I'm really thinking about getting a new vehicle. I went home and checked my credit report just to make sure my score was in the clear. While doing so I noticed of couple of items on my credit report that are not mine. I need these items deleted from my report. I've contacted the FTC and my local police. I'm working on this all on my own. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX has reported a 30 day late payment to the 3 credit reporting agencies. It show I have a 30 day late payment for XX/XX/XXXX. I spoke with XXXX and they told me I wasnt late for XX/XX/XXXX. Can this please be corrected. I was not late for XX/XX/XXXX and XXXX XXXX has confirmed via telephone call on XX/XX/XXXX at approximately XXXX est. please remove this inaccurate information.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This has been going on for almost a year. I've called US Bank informing them that I have never applied for anything with them. 
This inquiry does not belong to me and needs to be removed at once. 
US BANK ( Bank ) XX/XX/XXXX I have XXXX Business and personal bank account, and Credit card my credit report was run 3 times for my credit card. I want to keep all my accounts. Just please remove the inquires. Do not bother my accounts. 
XXXX XXXX XXXX XXXX. ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX. ( Bank ) XX/XX/XXXX XXXX
Complaint sub-issue: Talked to a third-party about your debt

I got a call from my dad saying that an agency called SARMA a collection agency with XXXX contacted him. They discussed that I owed a debt of XXXX dollars or more without my knowledge. They thought they were speaking with me I take it. Its embarrassing and causes stress when Im out and about and I had to have a family member tell me someone is trying to get money from me.
Complaint sub-issue: Attempted to collect wrong amount

This company has been charging me interest on my unpaid medical bill and its decreasing my credit score every month. They have not sent me a bill, and I only found out about them because I looked up my credit score. When I called on XX/XX/2020 at XXXX the representative informed me that there is a 10 % interest on my account. I have never agreed/signed any contract regarding the interest and I believe they are violating the Fair Debt Collection Practices Act which states that a collector may only charge interest and fees as they were outlined in the original contract. seeing that it was a medical bill, it never had an interest or fees agreement. The representative told me someone will call me and i also e-mailed them, so far no reply.
Complaint sub-issue: Problem with personal statement of dispute

I recently paid off a truck loan ( XX/XX/XXXX ), activity was reported on XX/XX/XXXX and XXXX dropped my credit score 23 points without reason or explanation. I called XXXX  XX/XX/XXXX @ XXXX to inquire and XXXX, the customer service representative acknowledged that she don't know or understand why. As an XXXX American male I've been a victim of this kind of discrimination for years and I need answers.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 has 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Personal information incorrect

I HAVE REQUESTED INFORMATION TO BE REMOVED/UPDATED WITH ALL XXXX CREDIT BUREAUS : EQUIFAX, XXXX, AND XXXX ; AS WELL AS XXXX XXXX XXXXXXXX SPECIFICALLY XXXX I HAVE ALSO REQUESTED TO OPT-OUT OF THE MARKETING LISTS FOR PRE-APPROVED OFFERS. I WOULD ALSO LIKE MY INFORMATION REGARDING HARD INQUIRIES TO BE REMOVED FROM MY REPORT FOR NOT HAVING MY CONSENT.
Complaint sub-issue: Information belongs to someone else

I noticed these fraudulent inquiries on my XXXX and Equifax credit reports and I've disputed them several times with the companies and XXXX and Equifax and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date 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: Information belongs to someone else

I have submitted detailed documentation to the credit bureaus about identity theft in my behalf. I would appreciate if they could remove these accounts from my credit report 1. XXXX XXXX acct # XXXX 2. XXXX XXXX acct # XXXX 3. XXXX XXXX acct # XXXX ... 4. XXXX acct # XXXX
Complaint sub-issue: Funds not handled or disbursed as instructed

I have had a Coinbase Pro account for a while. I was told that I needed to update some information on my account. I realized this was asking about a Coinbase account ( implied to be distinct from Coinbase Pro account due to different websites entirely ). I then proceeded to take steps to delete my Coinbase account, as I do not use Coinbase ( only Coinbase Pro ). The process disclosed that I had about {$2.00} USD worth of XXXX in the account, and before I could close the account, I had to withdraw or donate the {$2.00}. I, of course, chose to donate it. There was no disclosure that I would also be closing my Coinbase Pro account and forfeiting the significant sum of money that I had in the account. I reached out to Coinbase support via email ( as there is no way to speak with an actual human unless your phone number is associated with the account ), and received a wholly unhelpful response from the support team after waiting about a week. It was as if the agent did not even read my email. I promptly responded to clarify the situation and have not received a response after several days. There are several reports of this happening to other people, and clearly Coinbase has not taken steps to close this loophole in which they get to steal customer 's money.