Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

I have never had a missed payment before on my XXXX XXXX   Card but I faced some financial hardship due to a sick child and fell a payment behind. I called to ask about hardship assistance and was enrolled in a hardship program that closed my account but would help me pay off the card. 

I asked numerous times if I would be reported as delinquent by XXXX XXXX  after enrolling in this program. I was told that I would not be reported as delinquent and that my balance would now only have a rate of 0 % and a 60-month payment plan. The only thing that would be reported to the credit bureaus as long as I made my monthly payments on time while in the program is that the account was closed. 

A month later I get a report that XXXX XXXX  has been reporting me every month since the program began as deliquent due to a past due payment when I enrolled. I was told this would be rolled into the balance due and the program, instead it remained as separate delinquency and each of my payments to the program went towards it making every payment late. 

I filed a complaint and the call was reviewed and I was told that the representative did provide inaccurate information to me but there was nothing the woman I spoke to could do to remove the late reports I needed to submit a dispute to another department and was given an address despite XXXX XXXX  confirming they were in the wrong. 

I have yet to hear any response from XXXX XXXX in regard to my letter or dispute and they have not updated my status with the credit bureaus. 

The reference number for the call with the department who reviewed it is # XXXX
Complaint sub-issue: Account status incorrect

The list of information and inquiries was reporting inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that informations are constantly reporting and causes negative impact on my credit. Therefore, Equifax Bureau did not take any action to remove the incorrect information and inquiries listed below : Personal Information PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX Employer XXXXXXXX XXXX  Date Updated : XX/XX/XXXX Inquiries XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting accounts that do not belong to me. I have explained that these are FRAUD accounts & should be removed from my credit report but I am bounced back & forth between the companies that are listed and Equifax. This information does not belong to me for the accounts XXXX XXXX XXXX {$400.00}, XXXX XXXX {$7300.00}, XXXX  XXXX {$190.00}, and XXXX XXXX XXXX {$200.00}. I have been a victim of identity theft and these accounts are ALL FRAUD!!!!!!!
Complaint sub-issue: Information belongs to someone else

Dear credit reporting Agency I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway,
Complaint sub-issue: Old information reappears or never goes away

This account is paid and fully satisfied. The history is over two years old and by federal law if an account is paid and fully satisfied if the history is more Than two years old, it must be removed.
Complaint sub-issue: Banking errors

On XXXX XXXX 2017, I went to BB & T at XXXX XXXX XXXX XXXX drive thru. My intent was to simply cash a check and to make a cash deposit into my checking account. The original teller asked what did I need help with and she was given the above request. She walked off and another teller named XXXX came to the Window. She took the  check and cash and make a deposit. When she gave me a receipt, I reiterated that I wanted to cash the check and only deposit the cash. She apologized and stayed she would void the transaction and re-do it. After this was done, she finally have me the cash from the check and she said other the money had been deposited as it originally should have. I drive off and continue on with my day. I check my account a few hours later to find out my account was overdrawn the actual amount I made the deposit for. I called the bank manager XXXX who stated she would call the operations manager and have my money reinstated to my account by end of business day. End of business day comes and I did not hear from XXXX nor any one from BB & T. As the consumer I was extremely upset because I had employees to pay which did not get paid and also accumulated late fees on bills that 's were due that day. BbandT finally refunded the money but was short {$100.00} of the original cash that was given to the teller and it also did not include the overdraft fees. I had to call XXXX back once again who said she would fix the problem. The overdraft fees finally were refunded but still missing the full amount originally deposited. I went into the branch and spoke with XXXX branch manager who could not clearly explain what happened to the rest of my refunded money. She referred me to operations manager who also did not refund the money. I also asked that the cameras be pulled and and interview with the teller that created this disaster. Still nothing and they refuse to refund the missing money. I will never recommend or bank with the financial institute ever again and I will not stop making complaints until my money is refunded!
Complaint sub-issue: Deposits and withdrawals

For 3 years I have been depositing and making withdrawals into my US BANKi always make Deposited majority cash but overall I have a credit union account I wrote a check from my credit union account to myself To cover my bills which is the same Amount of deposits I would normally do in cash this particular time I was sick so I was unable to make it to the bank so I did a mobile deposit needless To say risk has a hold on my account I have never been negative or have done any bogus activity in mu account for this to happen this has caused my account to go negative because all Of my bills are set up to Come out the account and now I will he negative I do have perfect credit as well and was just approved for a credit card with them who is in risk that has done something so awful This has caused me so much stress imagine trying to get gas and your card had decline I really feel Like race is involved in the particular case almost like predatory lending
Complaint sub-issue: Deposits and withdrawals

TCF Bank without any prior notice to me in writing or any other form of communication debited my account {$160.00} from my checking account. While I was physical at the XXXX branch completing a transaction with a teller. My account was setup as close to debit since no additional information was available Or documented in my account. After filing a fraud complaint form per XXXX branch manger on duty, XX/XX/2018 at appropriate XXXX XXXX, I was instructed to initiating a police report with XXXX Police. I was promised a follow up in a few days from the TCF fraud department. After not receiving any communication I called a number listed on the Fraud complaint form to my surprise the branch never submitted the forms. 

The representative assured me follow up will be communicated. Days later I was notified the deductible was for a safety deposit box that was open five years prior and the fees was for four years of rental payments. Perplexed I visited the opening branch seeking clarification. The male Teller advises a lot of complaints has been coming in from customers such as mine because there account was debit without knowledge for account setup years prior. I was contacted by XXXX XXXX, TCF supervision of operations responded to my inquiry from the branch visit via a retuned phone call. XXXX explained I should have had a checking account setup for yearly deductions so it wouldnt have been so long before the funds was taken without and communication prior. 

I explained it was indeed setup with a checking account and wanted a copy of all communication concerning the safety deposit box. She explained there was no form of communication linked to my account that could be resent no record of letters or any other form of communication. Despite all other transactions being documented over the five year period. I explained my frustration with not being noticed of the deduction for a transaction that wasnt even communicated to me by any other means prior to the withdrawal. XXXX explained I can contact XXXX since she had no additional information on the letter that was suppose to be generated over four years and nothing could be done about the refund of my account.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

i faxed the company two times from XXXX XXXX. on the fax machine i got a busy signal six times. however on my phone, i called the fax number, it was not busy. i then faxed from XXXX XXXX ( XXXX XXXX XXXX ) digital fax. i put in three pages on two cases, sent seperatly. they said they didnt get this either. the person who want the information from equifax is XXXX XXXX, they sent it out on their number XXXX XXXX XXXX too. i called them on XXXX XXXX from XXXX untilXXXX. both times i was on hold for all that time. no one answered and the calls were dropped. i had an id theft previously and equifax was guilty of it. your department helped me, but i knew nothing of a settlement, until it was too late. could this be why my calls are left unanswered. i want equifax written up on this and my discrepency reports resolved. XXXX XXXX of XXXX XXXX helped but no response from equiifax. please look into this.
Complaint sub-issue: Their investigation did not fix an error on your report

I received results of an investigation from Equifax on XX/XX/2019. They failed to remove derogatory items from my credit. I am frustrated because the same thing happened with the other two credit bureaus as well. I am frustrated because I thought that I followed the proper procedures in filing a police report and disputing the items that were identity theft. I have no control over what someone has done in my name but I am doing all that I can to get my credit back together. It's not fair that someone can take advantage of me and use my name and the credit bureaus ( Equifax, XXXX, and XXXX  ) fail to do their job in deleting the items.
Complaint sub-issue: Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown accounts from my report as soon as possible CHAPTER XXXX BANRUPTCY XXXX {$0.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX Bank with Account # ending in XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.
Complaint sub-issue: Account status incorrect

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022 but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Unauthorized and inaccurate reporting to my consumer report multiple violations and failed to fix problems
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$11000.00}
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, and XXXX XXXX have 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: Personal information incorrect

Addresses is listed that I have never lived or been associated with multiple bureaus.. I have contacted them ti have them removed with no success. Also XXXX is reporting a name that has never been associated with me nor is it my name. 

XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX FL XXXX NEVER BEEN ASSOCIATED WITH Equifax- XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX NEVER BEEN ASSOCIATED WITH XXXX- XXXXXXXX XXXX XXXX IS NOT MY NAME NOR AM I ASSOCIATED WITH ANYONE WITH THIS NAME
Complaint sub-issue: Can't use card to make purchases

US Bank issued Master card gift card failed to work on Point Of Sale and vendor is unable to identify why it failed. Called number back of card and they too do not know why it failed. They are not willing to return fees since failure.
Complaint sub-issue: Information belongs to someone else

Pursuant to 18 U.S. Code 1028A, Equifax has committed aggravated identity theft against me as they have obtained my social security number, birthdate, addresses, phone number, and alleged information from creditors including transaction history. I never provided Equifax with this information and plan to report them to the Federal Bureau of Investigation for aggravated identity theft, computer fraud, wire fraud and mail fraud.
Complaint sub-issue: Information belongs to someone else

The credit report agencys keep upate my credit report with mis use information.and nothing updated in a timely matter .My credit score is going down badily ... I don't know what these companys doing and its a lot inquires on my credit .I don't understand how this credit agency get to get over like .XXXX, Equifax and XXXX.I need my fico score to be updated .Everytime I turn around my score low.I sent all my paper work to prove my stuff was accurate .Also I was fraud victum and someone stole my social security number, This is so important to get this straight.I m not getting treated fair because they ripping me off .I always dream to have a 700 to 800 credit score .Everytime they changimg my credit score and they keep allowing bad things to go on my credit .Also all three companies is being sued to get over on people.I want XXXX XXXX XXXX XXXX to good stands positive to be updated,,, ,XXXX XXXX company my credit saying I owe them. , ,, ,XXXX  off my credit XXXX not my accountXXXX ..student loan off XXXX off the school closed down,,,
Complaint sub-issue: Account status

Last year XXXX started reporting some old accounts that I had never been communicated before that I owed. After agreeing that they would delete the trade line from the credit reporting bureaus and that I would pay such amounts ( which I did ), I received some written acknowledgments from this companies that the trade lines would be deleted. It 's been several months, and the accounts are still being reported. I was able to contact XXXX and get the trade line deleted ( after spending hours with them on the phone and sending back and forward letters ). With XXXX and Equifax I have n't been able, as because of my long last name, it 's impossible to correctly fill up their requested fields. I 'm outraged. This has been going on for over a year. If this time this is not resolved, I will sue.
Complaint sub-issue: Debt was result of identity theft

Early part of 2019 id filed a complaint with the Federal Trade Commission Office for identity Theft i was working a credit agent and i went to the local office depot to fax my personal information to the credit agency company, and the young man that was assisting me put the wrong fax number into the fax system and immediately days after my bank account was compromised and weeks, months later i notice things on my credit i did'nt apply for. Now im still fighting to get these items off of my credit reports. And now those account has been charged off and closed, but still remains on my files. Im asking that these items be removed from my credit files immediately, and if not i will be filing a small claims action against these companies, Per- Acima Credit XXXX XXXX , XXXX/XXXX, XXXX XXXX .
Complaint sub-issue: Old information reappears or never goes away

IC Systems reports that I owe XXXX {$100.00} and this acct was opened on XX/XX/XXXX. This is simply not true. I never opened up a XXXX account last year or the year before that. I did have a XXXX acct in XX/XX/XXXX but that was nine years ago. I have sent them several letters via US Post demanding they either produce evidence that I did open an acct in XX/XX/XXXX or remove this inaccurate information. They simply do n't respond or write back, and every month they keep reporting this. Please help me
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

A security deposit was taken from my credit card for a car bidding website. The merchant falsely accused me of bidding on and winning a car on my account to keep my security deposit. I never bid on the car they company said that I did. When I contacted the company they told me lies and refused to give me a refund. My bank said that I have to get the merchant to agree that I get a refund so they disapproved my dispute.
Complaint sub-issue: Account status incorrect

Irecentlyreviewedmycreditprofileandnoticedinaccuraciesandfalse accusations by XXXX. Iam formally requesting that thesebeinvestigatedproperlywith immediacy.

Account one has a balance of {$28000.00} and account two has a Balance of {$36000.00} XXXX continues to report 2 Delinquent accounts inaccurately on my credit report. 

-Showing Different account numbers -This creditor does not own this account -Each Bureau shows a Different date of last activity -This account has been re-aged -They are reporting payment after this account was closed -They are reporting this account as transferred -Different dates listed under date of last payment -I disputed this account but nothing was sent to me legally to verify ( There is no indication that I disputed this account on my credit profile )
Complaint sub-issue: Debt was result of identity theft

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within XXXX  days. 

XXXX. XXXX XXXX Account Number : XXXX Bal : {$180.00} XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Bal : {$500.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Bal : {$250.00}
Complaint sub-issue: Debt is not yours

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
Complaint sub-issue: Company closed your account

After having a substantial relationship with Citibank, I get a notice they have decided to close my account and gave me no reason whatsoever. I had one issue with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency.     Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX, Equifax, and XXXX XXXX Report - Excessive Number of Credit Inquiries, Impacting Credit Scores ( Not Significantly ). XXXX  XXXX XXXX Told me to Shop around for a New Home Mortgage and Best Rates for 30 days without fear of negative impact on credit scores. XXXX XXXX told me there is room for credit repair here.
Complaint sub-issue: Company closed your account

CITI bank closed my business account recently and issued me a check which I received in my mail. 

The amount I received on the check is {$500000.00}, which is exactly {$3100.00} less than the closing balance on the issuing date. The total amount that was withdrawn from my balance by CITI was {$510000.00}, so I should've received in the check {$510000.00}. 

Where did my money go? 

In addition I still have on the balance a sum of {$2300.00}, which again must be issued in for of a check to my address. 
Please, CITI answer to my request. 
Thank you