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

I made a checking account deposit with a personal check from my father in the amount of {$6000.00} on XX/XX/2022 to my US bank checking account. I made this deposit Via ATM after XXXX as I was working and could not complete the deposit earlier. Due to the deposit amount I was not able to complete this transaction via the mobile app. I assumed there would be a hold on the funds due to the time and amount of deposit which is reasonable, however there was an additional hold placed for several days. I received a letter from the bank dated XX/XX/2022 that stated we have placed an additional hold on funds deposited because " we have information that leads us to believe this check will not be paid ''. It was a check from my father 's credit union!? And what information do you have that would lead tou to believe the funds would not be paid. Of course no such information could be provided. My depsoit has been held for an additional week. I incurred multiple late charges and overdraft fees due to the very unnecessary extended hold. I have been unable to pay my mortgage or utilities due to this. Unbelievable! My father provided me a snapshot from his bank account proving the check cleared his account on XX/XX/2022. 
I contacted both the XXXX customer service department AND my local branch and was told there was nothing they could do. The local branch stated they could try to contact my father 's bank to verify funds but that majority of banks no longer do this for Privacy purposes. I understand that hold policies are in place to protect the bank and Consumer but to extend a hold based on a claim that they have " Information that lead them to believe the check would not clear '' when no such information could be provided is unethical, predatory and very dishonest! 
The letter I received also stated that they would reimburse me any fees incurred as a result of the extended hold. We shall see. I'm not hopeful at all. 
I have been banking with US Bank for over a decade but I am absolutely disgusted and disappointed with their so called policies. As soon as I am able I will be banking with another more honest and ethical institution.
Complaint sub-issue: Didn't receive enough information to verify debt

I lived in an apartment complex that used Procollect as their collection company. Theyre claiming that I owe them double the amount originally owed. Ive wrote them and asked them to verify how I owe Procollect, and they wont furnish a contract that states that I owe them specifically. They keep sending information from the closed down apartment complex. Please watch out for Procollect because they are fraudulent collectors and will make your life a living XXXX.
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 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: Account information incorrect

I bought a car in XXXX XXXX. I got a loan through FlagShip and was making payments monthly. I made all my payments on time, however, I got in a crash in XXXX XXXX and my car was totalled. I had insurance and gap insurance which together paid off the car fully. I had no problem for a couple months, but recently ( XXXX or XXXX XXXX XXXX I checked my credit score and I was flagged as missing a payment. This does n't make sense as the car loan should have been paid of in full by my former insurance company ( they kicked me off afterwards unfortunately ). What can I do to get this reversed, I went from a XXXX to about a XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

This is my XXXX and final attempt to supply court documentation to XXXX, XXXX, and Equifax regarding a recent lawsuit with XXXX ( Account # XXXX ). The lawsuit was DISMISSED due to XXXX 'S MOTION TO DISMISS FOR LACK OF XXXX RESPONSE APPROVED BY THE JUDGE IN COURT. LACK OF XXXX RESPONSE ( LAW meaning ) : the ruling by a judge that all or a portion ( one or more of the causes of action ) of the plaintiff 's lawsuit is terminated ( thrown out ) - - The Plaintiff ( XXXX ) FAILED to provide evidence that the debt is owed to XXXX ( Account # XXXX ). Therefore, the court DISMISSED the case - SEE ATTACHED SUPPORTING DOCUMENTS - Proper court documents are being provided AGAIN. I am NOT liable for this negative tradeline AND it should be permanently deleted from my credit file. I have contacted my attorney, XXXX XXXX XXXX in XXXX XXXX, TX and considering a lawsuit for willful non-compliance ( FCRA-616 ), IF this item is not removed.
Complaint sub-issue: Reporting company used your report improperly

I sent a notarized Affidavit of Fact on XX/XX/21. Equifax has violated several laws according to THE FCRA 15 USC 1681. My consumer report should not include any of the following ; any factual information may be reported, credit transactions arising from you credit card XXXX my ssn ), any credit transaction between you the consumer and any person making the report. Equifax did not have any permissible purpose to furnish any of the items listed on my credit report. I XXXX XXXX XXXX the Federally Protected Consumer did not give permission orally, written, or any other way to list these items on my credit report or credit file. Affidavit of Fact along with Exhibits will be included in the files.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companys updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Other problem getting your report or credit score

I've contacted Equifax several times to explain to them that I am not able to populate any data on the website..such as my credit report, score summary and personal information. 

I took screenshoots of the the main page which indicates that the last update was XX/XX/21 and XX/XX/21. 

I spoke to several individuals from the fraud and dispute department that stated that a technical issue report would be made and I would be able navigate properly within the website. As to date it's still not functioning properly. 

I've exhausted myself in the frustrations likewise subsequent to being a consumer compromised with my credit. They have done many things improperly including just recently deducting XXXX points from my score and the reason states- is because of decreased balance of my XXXX. 

I'd like to rebuttal this since if I've a decrease in balance my score should have increased XXXX points. 

The representative I spoke to stated that she could tell me my credit score however she stated it was over XXXX. She said to wait 3 days then try to log in and that I should be able to sign in and everything will be updated and fixed. However to date it's not My score has decreased for reasons that are violations to the consumer protection laws and those of the FCRA.
Complaint sub-issue: Personal information incorrect

Back in XX/XX/XXXX when my husband and I were in the process of getting a home mortgage, I realized that there was information on my credit report that did not belong to me. I called the credit reporting agencies and disputed the incorrect information which included an incorrect name, an incorrect address, and incorrect loan information. The incorrect reporting of personal information has continued to this day, XX/XX/XXXX - thirteen years of my time spent calling the credit reporting agencies and sending them proof of my identity. When the Equifax breach occurred, I immediately signed up for the XXXX XXXX service and placed a credit freeze through all three reporting agencies. On XX/XX/XXXX, I received a letter from Equifax, correctly addressed to me, stating my new address, which is my current and correct address, with an old address that was and has never been an address of mine. I immediately knew that my information was being spliced with the same woman whose information has appeared on my credit report for 13 years. I called and disputed the incorrect address explaining that I HAVE NOT ever lived at that address and that, I AM NOT this other woman whose information still appears on my credit report. On XX/XX/XXXX, I receive a letter from Equifax to my correct address but addressed to the wrong person - this other woman whose name has incorrectly appeared on my credit reports for 13 years. Again the misinformation and errors continue on their part. Then on XX/XX/XXXX, I  received a credit report from Equifax to my correct mailing address but addressed to this other woman. The credit report lists me as this other woman, lists her social security number, her date of birth, incorrect past addresses, and incorrect loan information. Then on XX/XX/XXXX, I receive another letter from Equifax addressed this time to the incorrect woman at my correct address. So correct address but wrong name. At this point I want to pull my hair out! When I go online to dispute the information in my credit report with the confirmation number that is on the credit report I was sent by Equifax, I can not even log into the page because the security questions are based on the credit information of this other woman. I then call Equifax and get a voice message informing me that they are closed on XX/XX/XXXX for the holiday. I called today, XX/XX/XXXX, and was told that I have to send in ( once again ) a copy of my social security card, my birth certificate, and my driver 's license to them in order for them to correct the information. I have already done this in the past. I now have to do it again. I was told that there is nothing they can do to fix this unless I do all of this again. I am starting to feel that the only recourse I have is to hire a lawyer and sue them, but I should n't have to! Equifax has just sent me all of the personal and private information for this other woman. I have her name, her date of birth, her social security number, her past information, her loan and account information - EVERYTHING! So my question is who has all of my private information. This needs to stop, and I need help
Complaint sub-issue: Information belongs to someone else

This is a complaint against EQUIFAX SPECIAL AFFAIRS DEPARTMENT, to ask that you please eliminate any accounts that were opened under fraud without my authorization or permission. In this particular case without my presence, I also ask to remove all inquiries that are reported in my credit report, that were also solicited without my authorization. EQUIFAX SPECIAL AFFAIRS DEPT. knows very well, that I am a victim of identity theft, for many years I have sent over police reports and complaints and new accounts keep appearing on my report. This complaint I'm making is because I have new police reports, with new accounts that have been opened under my name under fraud. This is the best and most effective way with all the documents that I will upload to dispute all the negative accounts that were opened. The accounts that I am going to dispute under fraud is 1 ) XXXX/XXXX, ACCOUNT # XXXX, 2 )  XXXX  XXXX XXXX # XXXX with balance {$730.00}, 3 )  XXXX  XXXX  XXXX ACCOUNT # XXXX with balance {$95000.00}, 4 ) XXXX  XXXX  XXXX ACCOUNT # XXXX with balance {$62000.00}, 5 ) XXXX/XXXX  ACCOUNT # XXXX, 6 ) XXXX  XXXX  XXXX ACCOUNT # XXXX, 7 ) XXXX XXXX XXXX  XXXX ACCOUNT # XXXX, 8 ) XXXX  XXXX ACCOUNT # XXXX, 9 ) XXXX XXXX  ACCOUNT # XXXX, 10 )  XXXX XXXX XXXX  ACCOUNT # XXXX, 11 )  XXXX XXXX XXXX ACCOUNT # XXXX, 12 )   XXXX, XXXX, ACCOUNT # XXXX, 13 ) XXXX   XXXX  XXXX  # XXXX, 14 ) XXXX-RETAIL ACCOUNT # XXXX, 15 ) XXXX XXXX ACCOUNT # XXXX, 16 ) XXXX/XXXX  XXXX  ACCOUNT # XXXX, 17 ) XXXX XXXX  ACCOUNT # XXXX, XXXX8 )  XXXX  XXXX XXXX  ACCOUNT # XXXX, 19 ) XXXX XXXX XXXX ACCOUNT # XXXX, 20 ) XXXX, XXXX. 
INQUIRIES ARE AS FOLLOWED : 1 ) XXXX XXXX, 2 )  XXXX  XXXX  XXXX, 3 ) XXXX  XXXX, 4 ) XXXX  XXXX   XXXX, 5 ) XXXX XXXX XXXX, 6 ) XXXX   XXXX XXXX, 7 ) XXXX  XXXX, 8 ) XXXX XXXX XXXX, 9 ) XXXX XXXX, 10 ) XXXX, 11 ) XXXX XXXX, 12 )  XXXX XXXX XXXX, 13 ) XXXX XXXX, 14 ) XXXX XXXX. 
All of these complaints that I am making for being a victim of identity theft, are backed up by a police report I made XX/XX/2019, two days after I came back from XXXX. I left this country XX/XX/2019 and when I came back I came back to all these accounts that were opened under fraud. I am following the federal law, that will protect me against this Identity theft that I was a victim to, supported by the police report and Identity Theft Victims ' Complaint and Affidavit. Also, I am in contact with all of the other companies that have accounts and inquiries under my name which were opened under fraud because of my identity theft. I am making this complaint because I'm blocked from making disputes online, and I'm also mailing you my documents. I appreciate the support and good customer service you guys have given to solve this huge problem I've had at this time.
Complaint sub-issue: Reporting company used your report improperly

I never gave written permission to have any consumer reports checked under 15 US code 1681b which is considered fraud in you dont have it in writing. My id is attached to show my address
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted LexisNexis about a bankruptcy appearing on my credit report from XX/XX/2010. I asked the rep at LexisNexis how they verified this account as accurate, and he stated that they obtain their information from public records and sell it to the 3 bureaus ; XXXX, XXXX, and XXXX for profit. Under the FCRA laws, LexisNexis MUST obtain their information DIRECTLY from the ORIGINAL CREDITOR of the account, or it should be deleted from my credit report immediately. As you can plainly see in this letter which I have included from the United States Bankruptcy Court in XXXX, ND, the Clerk of Court states that " The Court does not send this information directly to these entities. '' If LexisNexis is not verifying this account information with the ORIGINAL CREDITOR, they are in violation of FCRA laws, and this bankruptcy should be deleted from their records and from my credit report immediately.
Complaint sub-issue: Other problem

Citi cards emailed me and stated that my credit limit was decreased because I have another Citi card that was not being paid. I contacted Citi because I do not have another Citi card that was not being paid and wanted to know what information was being relied upon. The representative informed me that he could not provide me a copy of the documentation that was referred to in the XX/XX/2020 email, but he can file a request for reconsideration. I also spoke with the fraud department at Citi. The fraud representative indicated that they did not have any record of me having another Citi account or any Citi balances that were not being paid or past due. 

I explained that my reason for the dispute was because I believe that Citi was engaging in a practice of predatory lending and was intentionally lowering my credit limit to adversely impact me. I pay five times the minimum payment due on the account and the account is current and scheduled to be paid off in less than a year. I have  checked with XXXX  and I do not have a Citi card reporting that is not being paid or slowly being paid. I called today to follow up on why this was done and was told by the representative that my limit was decreased because my credit cards were past due. I informed her that this information is not correct and my accounts were not past due. I checked my credit report again to confirm that the representations to me are not correct. She then states that I was sent a letter by mail ( even though I specifically enrolled in only electronic communications ) that states that my balance was lowered because I have other debts. I am not sure why this is any indication of my ability to pay this account. Actually there is no reasonable way to assume that I am struggling to pay this account or any other account because I pay significantly more than the minimum payment due and pay all my bills are current. The representative again stated that she could not provide me a copy of this letter or any documentation that is being relied upon. 

I wholeheartedly believe that this unilateral and arbitrary decision was made to adversely effect my credit. This changed my account from having {$1000.00} in available credit to only {$200.00} in available credit and updates my credit report to show that this card is maxed out. I have not been provided any proof that this action was taken for a legitimate reason despite numerous attempts to obtain documentation that shows there was a legitimate, non-predatory, or discriminatory reason for this action. 

I have not used this card since I first received it and there is no reason to believe that I am incapable of paying the card. Especially since it will be paid off during the promotion interest period.
Complaint sub-issue: Account information incorrect

After review my Equifax report, I decided to write XXXX XXXX to get a debt validation. My original letter was sent to this organization on XX/XX/XXXX by  certified mail. I received a verification of receipt on XX/XX/XXXX ( see attachment ). However, I never received any response regarding my debt validation. The company never contacted Equifax and placed a notice of dispute on my account within 30 days of my dispute from their receipt on XX/XX/XXXX. This is in violation of the Fair Debt Collection Practice Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. 

The listed trade line of XXXX XXXX is also in willful noncompliance as of FCRA 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies as well. Since I have evidence of such violation per attached certified mail receipt, I request that this tradeline be removed from my credit report.
Complaint sub-issue: Information belongs to someone else

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT & FRIVOLOUS. I have been in contact with the debt furnishers and they do not have information pursuant to XXXX XXXX Fair Credit Reporting Act. XXXX is robbing, badgering my credit with no explanation on an erroneous, alleged collections.
Complaint sub-issue: Billing dispute for services

Equifax exposed my personal data and that of my family. Now they are charging {$30.00} for a credit freeze necessitated by their own error!
Complaint sub-issue: Problem making or receiving payments

On XX/XX/XXXX my card was hacked for a total of {$4600.00} i immediately contacted support and was told a case was opened and i would receive provisional credits on XXXX. And that the investigation would take around 30 days. On XXXX i was told my case was denied less than 24 hours before i was set to receive my money back. I called and was told they opened up an appeal and i would hear back in the next 10-15 days. Fast forward to the next day XXXX and i am completely logged out of my account with the message account deactivated with funds still left in the account with no way of accessing them. I have called multiple times since with no real answer and told to wait for an email from a specialty team. I am now completely without any of my money and unable to transfer the funds i did have in the account out to another account.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On Wednesday XX/XX/XXXX I made a purchase over the telephone with a XXXX representative using my Discover credit card. 
My sister also used her XXXX XXXX credit card to make a purchase in which they denied saying the company called XXXX was fraud, so they rejected her payment. 
I immediately called Discover to have them not authorize the transaction. They told me that they had already approved the transaction. They asked me to call back in a few days once the payment showed posted. I called Discover back on XX/XX/XXXX to advise them that the charge would need to be disputed. They asked me to call them back after my trip to XXXX to show that the services were not rendered. I called Discover once again on XX/XX/XXXX, They advised me that I would need to open a case with them to have this disputed. I also called the company that is fraudulent, XXXX to tell them that they need to give me my money back because no services were rendered. They argued with me for about 20 minutes saying they were going to send me my flight tickets through email however I never received them. What I did receive was a made up itinerary which consisted of leaving from XXXX XXXX, arriving in XXXX XXXX and on the way back showed flying into XXXX to XXXX XXXX. My trip was from Washington DC to XXXX. On XX/XX/XXXX I got a letter from Discover saying they did there investigation and found the charge to be valid. On XX/XX/XXXX I submitted more documentation to open the case back up for further review to show supported documentation that this company needs to be shut down, blocked from there system, and my charge back is valid. On XX/XX/XXXX, I got a letter from Discover again saying the disputed transaction was not in my favor and that I am responsible for a {$1100.00} transaction that I never got services for. I called Discover on XX/XX/XXXX and asked for a Manager to contact me about this. On Friday, XX/XX/XXXX XXXX ( a supervisor at Discover ) Called me to tell me that I would need to take additional steps outside of Discover to resolve this. Here I am now filing a complaint with CFPB, I have contacted the Federal Trade Commission and my States Attny generals office.
Complaint sub-issue: Account status incorrect

I recently noticed that XXXX is once again reporting past due payments on my credit report for all of my accounts with them. The issue is that all of my school loan accounts are in forbearance due to the Department of Education continuing their investigation into fraudulent practices by XXXX University. XXXX has been aware of this but off and on they report a delinquency on my credit report despite their knowledge of this.
Complaint sub-issue: Debt is not yours

Other debt collectors have tried to collect money for this same issue and Ive had it removed. This company keeps refusing and has no proof this debt is mine. I have no recollection of this debt. Please remove this from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting. **** ( Copied from the affidavit attached ) ****