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

I was balancing my checking account online the first week of XX/XX/XXXX. My account was almost {$7000.00} short and none of this qualified for the account monitoring I pay for to be alerted. On XX/XX/XXXX, over {$4400.00} was electronically deducted from my checking to pay for a storage building in California. How this did not trigger any suspicious activity alert, I do not know. Fortunately, this was refunded to me by the bank. Beginning XX/XX/XXXX and going through the first week of XX/XX/XXXX stolen and forged checks were cashed at the BANK BRANCH in person with the perpetrator signing his name, leaving his finger print, and social security number. He was arrested and charged with over 10 felony ID theft and forgery charges, and admitted to stealing the checkbook from my home. I gave U.S. Bank the police report and filled out an affidavit. As stated on the bank 's website I had 30-45 days to submit the complaint, which I did and followed all the requirements asked by the bank.I proved my money was illegally and wrongfully taken from me and the bank closed my account and refused to replace the money. On top of this, the bank closed my account before the last stolen check posted, result in overdrafts fees to the old account. I did everything on my end and I am being dismissed. The bank also allowed over {$700.00} to be electronically stolen in XX/XX/XXXX that I had to catch myself as well. I put my money in the bank so it can be protected from other people, and the bank literally accessed my account without my permission and gave my money away, which is theft. How can U.S. Bank charge for account monitoring and be a federal bank if it can't even protect what little money I had? Money I had to borrow from the U.S. Dept of Education for my tuition. This bank has more than enough to cover my loss, which they allowed in the first place. Had they taken one minute to verify just one of those checks this could have been avoided. I have called over half a dozen times to dispute the denied claim, and ask how they can just hand out a customer 's money when the check is forged, and the teller informed me they do not check signatures or verify checks, as long as there's money in the account they will cash it. How is this fair? How is this a federal banking policy? I just want my own money back plus the overdrafts fees, which is {$1900.00} plus overdrafts.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Did not authorize these inquiries i called to dispute and company says call credit agency and credit agency says call companies.
Complaint sub-issue: Account status

My student loans on my credit report are not reporting accurate payment details or information. The pay history is not accurate or complete. The account details are not reporting in chronological order or in a timely fashion. I would like the pay history update or deleted if not correct
Complaint sub-issue: Information belongs to someone else

I realize that my report is still showing inquiries that were Fraudulently made without my my authorization.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 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: Overdrafts and overdraft fees

On XX/XX/XXXX XXXX I got ready for work. XXXX I check my US Bank account it has XXXX dollars in it, thats fine Im waiting to get paid around XXXX so my insurance can get taken out with no problem, XXXX I check account, XXXX thats fine Im about to get paid its gon na even out here in 10-15 minutes. I work till lunch and I check my account and they took 4 overdraft fees of XXXX dollars each, thats {$140.00} total for the 15 minutes it was negative. Ive called them multiple times and they only refunded me back one overdraft for XXXX dollars. They took the rest of my money, I had just paid insurance and they left me with XXXX so I had to get a loan of XXXX dollars from the XXXX app jus so I wouldnt get anymore overdraft fees and I pulled my stocks just to be safe n have money in my account. None of these went into action until the 17th so for them to take my money and not give it back makes no sense I would understand if I was days late but it was 15-30 minutes I dont understand. And when I look at my account it doesnt even say it was negative, I had made sure everything even out and I never over-drafted, I had deposited money into XXXX and I made sure I didnt overdraft and thats how was left with the XXXX dollars. I knew I was getting paid and and was like okay its all on the same day itll cancel each other out no problem then my account will be up again but that didnt happen. Just doesnt make sense
Complaint sub-issue: Information belongs to someone else

Consumerdisclosure.com reports to XXXX XXXX XXXX XXXX that I had a XXXX car. I talk to LexisNexis company, and let them know it was not me, I never own a XXXX auto. 

LexisNexis Risk Solutions, XXXX XXXX XXXX, XXXX, GA XXXX, XXXX. 

Policy # XXXX Thank you!
Complaint sub-issue: Information belongs to someone else

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX 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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX XXXX XXXX {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022, I requested an Equifax credit report via XXXX The website generated a credit report which indicated that my XXXX loan under loan XXXX XXXX  has a remaining balance of {$32000.00} as of XX/XX/2022. This information is incorrect because I made a payment on XX/XX/2022 that brought my current balance down to {$31000.00} and XXXX cents. Upon dispute, Equifax appears to have corrected my historical balance from the last report date which should have captured this payment, but appears to have left the current balance at {$32000.00}, which is incorrect. The current balance should actually reflect {$31000.00} and XXXX cents. 

I've attached the original error in my credit file ( Credit Report Error XXXX ), the incomplete results of the dispute ( XXXX XXXX  ), payment receipt ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), letter with proof of payment ( document ending with Copy of XXXXXXXX XXXX  ), and current loan balance details with XXXX  XXXX ( the account in question ) expanded ( Loan Details with XXXX XXXX XXXX  ).
Complaint sub-issue: Debt was paid

I contracted services from XXXX on approximately XXXX for Internet Services. In XXXX of XXXX I cancelled services with a credit balance - which to date I have not received. In XXXX of XXXX I received a collection letter from a collection agency stating that I was delinquent approximately {$100.00} owing to XXXX. After contacting XXXX they identified that a return shipping label and request for hardware return was never issued upon cancellation. The XXXX representative issued a XXXX return label. The modem and related cabling was returned at the XXXX XXXX XXXX, in XXXX Utah with the provided XXXX return label. This past week - XXXX/XXXX/XXXX I received a second notice from the collection agency stating an outstanding balance was still owed. I again contacted XXXX of the issue and they [ XXXX XXXX XXXX stated they are unable to identify the location of the shipped hardware and are unable to assist with a resolution. I have copied the full dialog for reference. Since XXXX has received the hardware or has proof that the hardware was received, I would appreciate them updating the derogatory collections reporting and issue my outstanding credit for over payment.
Complaint sub-issue: Problem during payment process

Previously set up automatic payments for a credit card with PNC Bank, but recently received a delinquency notification on credit report. The automatic payments had not been going through the previous two months, which was the root cause of the delinquency. The bank was unable to provide any history or data regarding when I set up the automatic payments and whether I ended them.
Complaint sub-issue: Was not notified of investigation status or results

I filed a complaint with XXXX XXXX AND EQUIFAX about hard inquiries on my CREDIT REPORT that are not mines PERIOD. The ( ONLY ) hard inquiry that is mines is the ( XXXX XXXX ) that's showing on my XXXX only. I also called the fraud departments on ALL the other hard inquiries on my 3 CRA 's and THEY sent over requests to have them DELETED yet they are still there. And XXXX AND EQUIFAX both have yet to provide me with ANY/ALL documents they have with my signature on it that gives them the right to have a Child support LOAN showing on my CREDIT report.
Complaint sub-issue: Information belongs to someone else

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I would like Equifax and XXXX to remove the remaining fraudulent accounts from my consumer reports.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with XXXX 's investigation. I have already addressed this issue to XXXX but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : EQUIFAX MORTGAGE SER Inquired on XX/XX/2021 2021
Complaint sub-issue: Information belongs to someone else

Account # : XXXX Account Type : Open Account Account Type - Detail : - Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$150.00} No. of Months ( terms ) : XXXX High Credit : {$150.00} Credit Limit : {$0.00} Past Due : {$150.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Consumer disputes - reinvestigation in progress Amount in high credit original charge-off amount Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX
Complaint sub-issue: Problem using a debit or ATM card

My claim was denied I been trying to get a reason why but nobody give me a reason. I been trying to reach the person who denied the claim for 3 weeks calling everyday and leaving voice masseage but she never called back to me. Her phone number is XXXX. This is U.S Bank.I been denied 2 times, the first time the employee on the phone put a wrong information in the system ( different information that I gave her ) and opened the claim as dispute when that was fraud claim. Then the bank charged me 4 overdraft fees and my account been like for more than 60 days because the people in the fraud department don't have any idea of how to handle this situation and I get transfer and transfer between departments.
Complaint sub-issue: Privacy issues

XX/XX/22 received a CASHAPP XXXX in the mail unsolicited. This is my XXXX one. I have reached out to CASHAPP the other times and they continue to come. I have gotten no where with my previous calls. I asked to speak to a XXXX, and they said they have no control over this, and can not talk to me since I do not have an account. I disagree. CASHAPP/Block sends it to my address, with my name on it. Need to have better oversight. 
I have not activated the cards, and have at least 3 reports to the FTC, and credit warnings activate with credit bureaus. 
Someone tried applying for unemployment benefits over a year ago and I rejected it, since I did not need them. Been working at same company for almost 38 years. 
XXXX  send me cards, and I reported them. 
Someone tried opening accounts from XXXX and XXXX XXXX. Both companies were contacted. I never applied to any of these companies or did business with them ( except XXXX for a couple months when they took over an investment account from XXXX XXXX over 15 years ago ). I did not get anything else from them after reporting. But CASHAPP continues to be a sucker to the scumbags out there trying to take the criminal way out.
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card company isn't resolving a dispute about a purchase on your statement

With citi bank they seem to have issues when you report them as I have issues with them and this time its no different they wont allow you to put a dispute in it gives you an error message - their dispute dept calls and e-mail are also useless as I actually forwarded the proof of dispute for another issue with them with another merchant and their executive team whos the ones looking at this which theyre useless said it will take them 15 days. Why should I have to incur interest on something etc that Im not allowed to dispute bc their website etc doesnt allow you to on the app or online. Or speaking to them personally or email.

I know they probably are making it difficult all around to make a dispute because I dont hesitate to contact here when theres issues. I want whats attached disputed I have the email from seller saying they would refund
Complaint sub-issue: Banking errors

I opened a checking account with Citibank as part of a promotion on XX/XX/XXXX. The promotion offered a {$1000.00} bonus if I maintained a min {$75000.00} balance for 60 days. I funded my account on XX/XX/XXXX and became eligible for the bonus on XX/XX/XXXX. Payment of the bonus was to occur within 30 days of meeting the eligibility requirements on XX/XX/XXXX. 

I called Citibank on XX/XX/XXXX to inquire about the status of the bonus. I was told that I had met the eligibility requirements but that I still needed to submit a W-9 form. This requirement was not included in the terms and conditions of the promotion and was never communicated to me verbally or in writing. I would never have even known about the requirement if I hadn't called to inquire about the status of my bonus. 

I sent my W-9 form on XX/XX/XXXX and called two weeks later to check on the status of my bonus. I was told that it had not been received and that I should send another W-9 form. I requested a fax number, secure email, or physical address so that I could be sure that my W-9 form would be received and processed in a timely manner. I was instead provided with the same po box address to which I had sent my first form. 

I sent my W-9 form again on XX/XX/XXXX and followed up again on XX/XX/XXXX to inquire about the status of the bonus. I was told again that the W-9 form had not been received. I asked again for a secure method by which I could send my W-9 form and was told to send it to the same po box address. Rather than have them lose my documents again, I decided to file this complaint. 

I am of the opinion that the bank is seeking one of two outcomes ; ( 1 ) that new customers forget about the bonus or give up trying to receive it, or ( 2 ) the bank delays the payment of the bonus to such an extent such that they earn enough interest on the min deposit to offset the bonus payment. Either strategy is shameful, disingenuous, misleading, deceptive, and quite possibly illegal. 

I would be glad to provide additional details as need to hold this institution accountable and prevent them form committing the fraud on other unsuspecting consumers.
Complaint sub-issue: Threatened to sue on too old debt

A representative with Cambridge Asset Management advised that there was a civil and a criminal suit against my social security number. She could not tell me anything other than the year the debt was incurred and the name of their client. I have disputed XXXX XXXX several times with the credit bureaus as I was a victim of identity theft when my wallet was stolen back in 2002. They wo n't provide anything in writing. They just want money like its a scam.
Complaint sub-issue: Information belongs to someone else

I was a victim of the XXXX data breach of 2017. and the Alaska XXXX XXXX XXXX  data breach KIKOFF LENDING , LLC # XXXX {$20.00} is not my account
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}, {$7100.00}, {$10000.00}, {$4300.00}, {$0.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

-- AUTO LOANS OR LEASES 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL LOAN 6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

There are 16 different student loans that are appearing on my credit report I have tried reaching out to the bureaus and the furnisher because they are not mine and it is affecting my credit very badly. I have opened an FTC for these and been sending out letters since XXXX of XXXX with no avail. There are also 7 inquiries total on my credit that are not mine and i have also reached out for these too and nothing has happened and no one has gotten back to me on this. 

Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : NAVIENT Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX Account Number : XXXX INQUIRIES Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XXXX XXXX, XXXX Reason : I don't recognize this inquiry
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2020, I attempted to link my PNC Bank checking account to the XXXX app. It would not let me due to a change PNC Bank had allegedly made.