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

On XX/XX/XXXX, I opened a Smartly Checking account online with US Bank. I need a new bank as I was closing the account at my old bank. Direct deposit was set up, I went into the closest branch and was assisted in ordering checks and my debit card as well as was given a temporary debit card. The next week my direct deposit went into the account and I assumed everything was business a usual. 
On XX/XX/XXXX, my debit card stopped working. Each time I tried to use it, it would say declined. I had money in the bank, but no access to it. I contacted US bank and had no luck finding anything out and was told to contact XXXX XXXX for information. After getting no response from XXXX XXXX, I contacted US bank again on XXXX and after being transferred numerous times, I was finally transferred to a kind helpful lady who found out there was a couple of holds on my account and it was set to be closed. I had received no notice or anything about this. The way I found out is when my card quit working. Not a good way to do business. 
On XX/XX/XXXX, my account was closed and the branch XXXX of the closest branch opened a new account for me. Knowing my direct deposit was coming through the morning of XX/XX/XXXX, she put it a re-route for it to go into the new account and told me that it would be XXXX hours to get it. 
Then on XX/XX/XXXX, the fraud department XXXX access to my online account with no notice or reason. This would be another XXXX hours before I can see my account. Us Bank is also stating that they have no knowledge of my direct deposit being re-routed either. My company says it has not returned as of yet, so Im out of luck! 
Knowing my deposit was coming in, US BankXXXX XXXX XXXX XXXX until Friday to close the account, they had to close it Thursday. I called trying to find out if they could tell me when it would drop because I have no access to any money since this new account has been opened and they dont even see my money. At this point, I feel like US Bank has stolen my funds since they have XXXX my access to see anything either. 
I shouldve been notified in both instances and was not. This has been a complete inconvenience and frustration due to me having been without money, unable to provide for my household or put gas in my vehicle. 
I called back this evening and spoke to another customer service representative who said he did not see any direct deposit, but we can hope it will show up Monday night to be deposited Tuesday morning. He also said I can contact online services on Monday if my account is still XXXX. 
If a department is going to disable an account on a Friday, there should be a representative who can speak to you over the weekend to get it resolved. I feel like US Bank has failed me and has no desire to resolve this issue as they keep telling me there is no one I can talk to until Monday and when I asked for a XXXX, I was told they could not take the call but would contact me XXXX did not happen either.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXX have violated my rights. 

15 U.S.C1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1681section 604 A, section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX Account Number : 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: No notice of investigation status/result

Equifax has verified / updated informationn on XXXX credit report pertaining to multiple inaccurate late payments after account was charged off closed. I have sent portion of XXXX credit report. 
Inaccurate information has been verified / updated. 
The creditor states that Equifax is responsible for the inaccurate differences which should all be deleted. 
Inaccurate and injurious on my credit report.
Complaint sub-issue: Deposits and withdrawals

The person who has my money for this investment account is named XXXX XXXX XXXX. this is her XXXX page link. 

XXXX XXXX XXXXXXXX She promised me a 100 % money back guarantee on my investment. When she deposited my {$18000.00} into XXXX account, I began to make a profit. However, she told me that I would have to borrow another {$100000.00} from my bank in order and give it to her as commission in order for me to have access to the money in my investment account. I have XXXX and I have everything she said on XXXX XXXX and XXXX to show you exactly how she used the name of XXXX and everything else to get me to make this investment with her. 

All I really want is what she promised. That is a 100 % money back guarantee. I have been asking for my money back for days now. she told me if I go to my bank and borrow {$100000.00} then I can access the withdrawal feature in my account. She is in constant contact with me and thinks that I am going to go to the bank and make the withdrawal. I told her several times that I want my money back. She will not take no for an answer. She just asked me to go to my bank and take out a loan a few minutes ago. This crime is happening right now! 

My name is XXXX XXXX and my phone number is XXXX XXXX ) XXXX ) Email : XXXX Email 2 : XXXX If you need any evidence please contact me. This crime is active right now.
Complaint sub-issue: Account status

The account with  XXXX   XXXX   XXXX   XXXX  -  XXXX   XXXX  account #  XXXX  was  discharged  with my ch  XXXX  bankruptcy. I have forward all the information to Equifax 4 times and still they are saying through the investigation the account is being reported correctly. The account is showing as an open delinquent collection on my credit report. I have spoke with a representative on the phone and she to said the account is being reported correctly and she advised me to fax in my bankruptcy information. I did as she advised on to get the information back saying the account is being reported correctly. I need to know my next steps to get this account removed from my credit.
Complaint sub-issue: Account status incorrect

CFPB In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : ACCOUNT # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 

XXXX : ACCOUNT # XXXX has violated my rights. 

XXXX XXXX : ACCOUNT # XXXX has violated my rights. 

XXXX XXXX XXXX  : ACCOUNT # XXXX has violated my rights. 

XXXX : ACCOUNT # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Debt was paid

" Enterprise Recovery System '' has been repeatedly ( several times each day ) calling me, family, and friends regarding a debt which has already been paid. 

They have attempted to discuss my debt with relatives and friends. 

They have repeatedly used phone calls to harass myself and those close to me. 

They have not sent a validation notice and refused to do so after I requested XXXX multiple times.
Complaint sub-issue: Reporting company used your report improperly

According to Equifax 's own website for checking whether or not my sensitive information ( including my SSN and other personal information ) were leaked in this latest incident, my information may be at risk of being stolen, making me EXTREMELY vulnerable to identity theft or other forms of fraud. 

This is clearly due to negligence on behalf of Equifax. Their IT/Cybersecurity was entirely inadequate for the level of sensitive information they kept on their servers. Now, 143+ million Americans are at extreme fraud risk. Accounting for the fact that approximately 22.8 % of Americans are under the age of 18, roughly 3/5 of adult Americans had their sensitive identifying information leaked. At this scale, this could be should be considered a national security incident.
Not to mention, it appears that multiple Equifax executives divested their stock holdings just before the announcement broke ( see : insider trading ).
In short : I am an American who does not feel financially safe or secure. Equifax needs the book to be thrown at them. I have contacted my state and federal representatives about this issue, and I expect that the CFPB will make every effort, in conjunction with legislators and the U.S. judiciary, that Equifax is entirely liquidated and that any other organizations that hold sensitive consumer information are held to appropriate security standards.
Complaint sub-issue: Information belongs to someone else

Equifax is erroneously reporting my address as XXXX XXXX XXXX XXXX. It is XXXX XXXX XXXX XXXX. 

XXXX XXXX is NOT my account XXXX XXXX is an open account ( not closed as being reported in their files ).
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XXXX XXXX, 2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX XXXX XXXX XXXX is the company that is reporting to XXXX and they were able to remove it to XXXX and Equifax. And for XXXXT is the company is the company that is reporting to XXXX and they were able to remove it to XXXX and Equifax. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to XXXX XXXX XXXX XXXX XXXX XXXX. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek XXXX  and charge {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Complaint sub-issue: Debt was paid

Hi & how are you doing? I'm reaching out and letting you know that this account is still reporting on my credit with incomplete, and unverifiable information. I paid this account already and i was told that it will be removed. Please see the attachments for detail. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. I am writing to request that you please DELETE this account from my credit and provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Complaint sub-issue: Information belongs to someone else

I still have accounts due to my identity theft case appearing on my credit report.
Complaint sub-issue: Information belongs to someone else

On XXXX XXXX, 2020, JEFFERSON CAPITAL SYSTEM add a derogatory mark on my credit report per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JEFFERSON CAPITAL SYSTEM has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Company closed your account

XXXX Opened CitiBank Checking Account. 
XX/XX/XXXX Linked the CitiBank Checking Account with XXXX XXXX Checking Account. Both under my name. 
XX/XX/XXXX Transferred {$25000.00} from XXXX XXXX to Citi Checking Account. 
XX/XX/XXXX Received email stating that my debit card will be shipped. 
XX/XX/XXXX Received email stating that my account will be closed. 

Didn't have access to online banking during this time. Called CitiBank customer service, refused to disclose reason of closure. Unable to log in to online account after received debit card. Haven't heard from them and neither received the check containing my already transferred {$25000.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

This unconfirmed accounts listed below continues to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Debt is not yours

After reviewing the overall credit profile, Enhance Recovery furnished a XXXX  bill on the overall credit profile. The phone was upgraded for a new plan, and the previous device was replaced.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

My card info was stolen in XX/XX/2020, a ton of fraudulent charges were made. 

A police report was filed, and judging from the fact that all the charges but 1 were removed from my bill, best buy also agreed they were fraudulent. 

However, a charge for XXXX from the list of fraudulent charges is now being charged to my account.
Complaint sub-issue: Reporting company used your report improperly

I am a consumer, a natural person, and a protected person under federal law In accordance with the Fair Credit Reporting act XXXX XXXX  has violated my rights Regarding alleged account # XXXX XXXX5 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an 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 15 U.S.C. 1681cXXXX : A Block and remove in 4 days
Complaint sub-issue: Debt is not yours

My name is XXXX XXXX and the debt collector below ( Carter Young ) has placed an account ( XXXX XXXX / {$440.00} ) on my credit report. I CONDITIONALLY ACCEPTED CARTER YOUNG 'S CLAIM UPON BONA FIDE PROOF ( in good faith and without deceit ) that your claim is lawful and valid. Carter Young refused respond to my letter as directed because " I don't owe a debt to Carter Young ''. This means that Carter Young has no right to report this account on my credit. Carter Young did in fact send a statement with conflicting dates as to when they initially verified the debt. This proves that Carter Young is committing fraud. I will attach all supporting documentation.s Carter Young XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I filed Bankruptcy Chapter XXXX in XXXX and it was discharged in XXXX. One of the discharged accounts was XXXX. XXXX was sold to XXXX. We did not reaffirm on our auto. We turned in the truck to XXXX. XXXX did not report us because they said it was included in the bankruptcy. Two months ago my credit report started to report that listed XXXX XXXX original creditor XXXX on my report. I believe they are the collection company for XXXX. I disputed the claim with XXXX and they did not remove the account. I gave case numbers and discharge dates as well. Pursuant to Bankruptcy laws, Items listed in my discharge of debtors are required to be removed from my credit report.
Complaint sub-issue: Can't use card to make purchases

I have never been late or missed a payment on this XXXX XXXX credit card ending XXXX. This company has repeatedly turned card off or suspended it for their system errors. Spoke with Upgrade Supervisor and they apologized and stated that Upgrade back office removed payments and then re allocated them due to XXXX adjustment. Their computer system showed me as missing payment because of this yet, I have never missed a payment! Their faulty illegal system also wouldnt let me pay extra towards card ( proof attached )
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax credit placed a negative report involving XXXX XXXX with an unpaid bill from 2021 with the amount of {$120.00}. I dont have an electric bill because I live in a coop here New Jersey and monthly payments in my coop includes water and electric bills. Ive been living here for 4 yrs now. Thank you
Complaint sub-issue: Investigation took more than 30 days

I've been disputing with the three bureaus for a long time. Now I'm really getting inpatient. Please delete these addresses immediately. I also have more accounts attached to the documents that. I've been fighting for way too long on these accounts that do not belong to me / late payments that im not aware. 
*These are not my accounts / addresses *I don't recognize these inquiries *I have never been late on payments The Bureaus have been violating my rights by not giving me proper documents proving that they can obtain such information on my credit report with no signatures no proof of verification /no validation no signatures no XXXX. Please help me cause I'm taking this to the next level after this
Complaint sub-issue: Problem with personal statement of dispute

What Compliant? 
XX/XX/2018 - XX/XX/2018 Statement Submission Form ( s ) * What type of Problem? 
Refusal from the XXXX XXXX XXXX XXXX Mailing ' to enter-In ' Statements of Residency, And Correct Residency Dates. 
What Happened? 
( 45 ) Day Stalling tactics to enter-In ' the Statement Submission Forms.

What Company? 
LexisNexis ( R ) Who is Involved? 
LexisNexis ( R ) potentially ; XXXX and Subsidery Companies, Work Number, Credit Bureaus and Allegencies and Alliants, Credit Reporting Agencies, Courts, Banks, Law Enforcement.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Complaint sub-issue: Reporting company used your report improperly

accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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