Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Funds not received from closed account

My name is XXXXXXXX XXXX.I am an XXXXXXXX XXXX and i have been with XXXX for more than 6years. 
In XXXX i got a SBA LOAN and i was approved as an Independent contractor.The funds was deposited in my checking account with Citibank, i used some for utility bills that i had pending because of the pandemic [ COVID 19 ] then i transferred the remaining money to my savings account which is also with Citibank. 
A couple of days later i realized that my savings and checking accounts has been frozen without prior notification, i immediately contacted Citibank in regard to the accounts and they said they were investigating. 
After a year and half i was contacted by the attorney general that Citibank has released the funds in my checking account and the money was given to me in XXXX. 
I contacted Citibank after that to ask them about the funds in my savings account and they responded that they had returned it to SBA LOAN, I called the SBA OFFICE to be sure they had gotten the money but they said they did not receive any money from Citibank. 
By XX/XX/XXXX i am expected to start my loan repayment which is the problems i have now because i didnt even get to use the money. 
I would really appreciate your help in looking into this matter as i am so helpless and troubled right now.
Complaint sub-issue: Account status incorrect

XXXX XXXX with account balances $XXXX and $XXXX are reporting collections in violation of my 30 day right to dispute. I was never given any notice of these collections and only became aware of them when I checked my credit. This is in violation and they need to be removed.
Complaint sub-issue: Didn't receive enough information to verify debt

TEK Collect has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2800.00}
Complaint sub-issue: Information belongs to someone else

On XX/XX/2018 I contacted Equifax and submitted disputes online for the accounts listed as XXXX with the amounts of {$75.00} and {$190.00}. There is no information provided such as company name, contact information or that this is mine. I worked with a financial advisor and we could not find any company or contact information nor anything linking this to me. I was advise this is fraud. On XX/XX/XXXX I was notified by equifax that the information shown on my report was accurate but provided no information how to contact this company to either resolve or remove this if it is not mine. Currently, it is still on my account and I have resubmitted another dispute on XX/XX/XXXX to dispute this again as it is still fraudulently on my account.
Complaint sub-issue: Old information reappears or never goes away

Over the last 3 months I have repeatedly contacted both XXXX and Equifax about information on credit report. Still the information remained. Some of the items that I have paid have actually brought my credit score down which is unusual. I am just not believing what is happening. Also I recently applied for a loan XXXX showed me a score of XXXX they showed my prospective creditor a score of XXXX. I know this because this creditor is someone I have done business with a long time and was good enough to tell me what the score was. This is I believe against the FCRA. I had to fight with all 3 credit bureau 's to get credit card information off my credit report. Even though Arkansas my state of residency has a law that says certain information cant stay on my credit report more than 5 years it is statute 4-3-118. Yet I still had to fight with all 3 bureau 's to get this information off my credit report and that is not right.
Complaint sub-issue: Problem getting your free annual credit report

Apparently there is something negative on my Equifax report. I requested it at the XXXX and received XXXX and XXXX without any issues. There is nothing negative on either report. Equifax system was down and it said, basically, ask for one by mail. I logged in to the Equifax site the next day and requested it. It said " we are unable to process your request at this time '' and gave me a phone number to call. I called the number and went through the prompts and received the email attached below. Notice that it says " Equifax credit file failed {$0.00} ''. I then called two or three more numbers and the agents in each case said I had to wait until next year to attempt it again, however, they could provide me one right now for {$10.00}. They are running a complete scam over there. I haven't requested one of these in five years. I believe Equifax is deliberately making it impossible to get a free credit report in order to squeeze money from individuals.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Report Act 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. 


In accordance with the Fair Credit Report Act 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. 


In accordance with the Fair Credit Report Act 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. 


In accordance with the Fair Credit Report Act 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: Investigation took more than 30 days

On ( XXXX  ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$66.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

I went to help my daughter get and apartment, while i was there, I was informed by management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX 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.
Complaint sub-issue: Information belongs to someone else

inaccurate information on credit bureaus please correct violation of my rights hippa and cra
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/2018 I notice that on my credit report that I C System reported a balance of {$920.00} which I do not recall and I contacted the company Via fax in regards to this account reporting on my XXXX, and XXXX  Credit Report requesting a signed Document bearing my signature.
Complaint sub-issue: Information is not mine

While requesting a pre-approval mortgage loan from XXXX XXXX, on XXXX XXXX, 2016, i found out there 's is something in my credit report that does n't belong to my personal credit history. It is from XXXX, joint acc. # XXXX opened on XXXX for the amount of {$6800.00}. i called XXXX, they told me they could't help me with this because the account was n't under my name. they reffered me to Equifax to be helped with removing that transaction from my credit report history.
Complaint sub-issue: Account information incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX  XXXX XXXX $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX-Balance {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX-Balance {$170.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance {$100.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) -XXXX-Balance {$100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) -XXXX-Balance {$210.00} XXXX XXXX-Balance {$1200.00}
Complaint sub-issue: Problem making or receiving payments

I opened USBank checking account XXXX around XX/XX/2022. USBank requested me to make opening deposit of {$100.00} and I used my XXXX credit card to do it. XXXX charged me {$100.00} on the credit card. 

However, without my request, USBank made a " XXXX XXXX '' transaction on XX/XX/2022. It caused {$100.00} deduction in the balance of the checking account. Neither of USBank nor XXXX had informed me before I contacted them a month later. 

USBank said " we received notification that we were unable to receive funding from the account used to process the opening deposit ''. XXXX did not refund the {$100.00} charged to the credit card. 

I do not understand why USBank can not talk to XXXX and both have my permission to do so. Customer lose money from bank account but bank does nothing - I do not think it is a standard protocol of financial industry.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account below have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX Date opened : XX/XX/2018 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 Section 2. It also states a consumer reporting agency can not furnish an account without my written consent 15 U.S.C 166b Timing of Payment A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Complaint sub-issue: Personal information incorrect

I have sent several letters/disputes to XXXX XXXX, XXXX, and Equifax about incorrect information currently on my credit report. I have not gotten any responses. I am very afraid that someone has been using my information and opening fraudulent accounts. The Only Names, Addresses, & Employers that should be listed on my Credit Report are as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former Adress XXXX XXXX XXXX XXXX, XXXX  XXXX Current Adress XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employer : XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These companies were supposed to do a soft inquiry on my credit and ended up doing a hard inquiry instead.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXX XXXX {$1700.00} XXXX XXXXXXXX {$480.00} XXXX {$590.00} XXXX {$620.00} XXXX {$1700.00} XXXX XXXX {$0.00}
Complaint sub-issue: Old information reappears or never goes away

Re-aging of a 20 year old account. I have included evidence of how this company re-aged this account making the account appear as newly neglected debt. I have been denied credit so many times and I have kept every denial letter because i will need it for damages. 

I want to bring it to your attention just what these reporting agencies are fraudulent doing to deceive unsuspecting innocent consumers. 

While in good faith working on my credit, something I was never taught before, But always told to get your credit report to check for any errors and dispute anything thats not accurately reporting. I did that. Of course I see things I know shouldnt be there and I attempt to dispute online. I learned quickly that was a waste of time. I then decided to dispute by mail and requesting the information be validated and verified with the original agreement, account or document with my signature to match what they are inaccurately reporting. Absolutely noone honored my request. However most of the accounts are still inaccurately being reported. Every time I dispute an issue XXXX, equifax and XXXX XXXX comes with results saying it's been verified or its been updated. During my re investigation from the monitoring site only a few things changed. So it appeared. it appeared an account or two were claimed to be removed. And a few accounts what they did was changed and altered a name or date or something small they dont expect to be noticed. However I would print as I go because I know not so honest people will change and continue to alter things and if not paying attention, it would be missed. I noticed most or all and I took notice that whats being reported on requested credit reports is only fixed so the consumer sees what they want you too see. While i applied for new credit, i couldnt understand why the reason I was denied was, too many accounts with balances, collections, charge offs and derogatory. I was really confused. Because none of my reports showed me this. What I did was I subscribed to many other monitoring programs and I noticed HIDDEN ACCOUNTS! that I couldnt see on the report supplied to me. I dont see how XXXX, Equifax and XXXX can do this to consumers! I will attach evidence during my next few cases that I have to open because these agencies arent resolving the issue and are violating the FCRA and my rights to fair reporting. If i have to seek legal action for this fraudulent activities I am ready with all my evidence.
Complaint sub-issue: Can't temporarily postpone payments

I called AES in XXXX, after be devastated by XXXX XXXX in Florida. I was told, I would be granted a three month disaster forebearance, Later, I received a letter stating I would owe in XXXX. After calling AES, the story changed, I was told they would have file paper work with XXXX to request a forebereance. Now, I am being told that I will have to pay {$460.00} on XXXX XXXX, to keep current. 
This information should have been explained in detail with my first phone call. I have {$5600.00} deductible which I have to pay first before my roof is replaced. XXXX, has only offered me a loan, for which I was denied. I ca n't see why XXXX refuses to help in the time of disaster and or why AES can never relays correct information. AES loves to say the calls are recorded for training purposes, pull the tape and listen. I can not afford this payment and replace all that was lost in the storm. My roof was destroyed, along with my garage, and water damage.I am single parent working on a teachers salary, apparently to be a victim of disaster means nothing to XXXX.Who is only concerned about money.
Complaint sub-issue: Account status incorrect

I have had a collection on my report from XXXX XXXX which shouuld have been removed and still has not. I have requested that the Credit bureaus Equifax and XXXX  remove this collection and they have still not. Please HELP!
Complaint sub-issue: Attempted to collect wrong amount

In XXXX or XXXX of this year I visited a XXXX clinic in XXXX, Arizona. I presented my insurance card and paid my co-pay but never received a bill. Approximately two months later and with no further communicatoin I received a letter from Nemo 's Collections for an unpaid balance that I was never contacted about. I called Nemo 's the same day and paid in full with a credit card. I also told them I never received a bill. It is now 6 months later and my credit score reflects an unpaid bad debt for which I was never billed. Both XXXX and Nemo 's Collections have behaved unprofessionally and acted in bad faith regarding this debt. This derogatory information should be removed from my credit file immediately and XXXX/Nemo 's Collections should be warned regarding their unprofessional behavior. 

XXXX XXXX XXXX.
Complaint sub-issue: Account status incorrect

I am deeply hurt seeing this! I am working my way out of debt. I paid every single account I have on my list. Closed some and retained some. It was not easy and then what? I see the late payment on XXXX XXXX XXXX? I told the credit bureaus to fix it but they never did!. I hope you understand the dilemma I'm going through, CFPB please step up and fix this account
Complaint sub-issue: Problem accessing account

I am trying to link my account between PNC Bank and the XXXX app using the service called XXXX. And it is saying that the bank has stopped allowing people to link their checking accounts through the service.and I don't believe that is fair ...
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

At XXXX the non-profit organization I work for gave XXXX XXXX XXXX to their employees and some volunteers. Eleven of those cards had fraudulent activity. My card that had never been taken out of its cardboard container until XX/XX/XXXX, had only {$1.00} left of the amount of {$150.00}. That {$140.00} was spent at a XXXX in XXXX XXXX, California on XX/XX/2022 at XXXX p.m. The store closes at XXXX p.m. I live in Arizona and was not in California. I called the XXXX gift card number on the back of the card XXXX. The call took almost an hour waiting on line. I spoke to two people. They said they would send paper work to fill out. I received paperwork on XX/XX/2022. It was to be back by XX/XX/2022. I faxed it that day for {$8.00}. On XX/XX/2022 I received a new XXXX gift card with {$1.00} on it. The next morning I started calling at XXXX a.m. I made 4 phone calls to get help. I was told by the 4th person, XXXX that my fax had been received and the fraud team would be looking over my paperwork that I had faxed. They would put the {$140.00} on my card. I was to keep checking to see if it was there which I have been doing. Today I was not able to get in online to the account but was able to call and I still had only {$1.00} on the card. I know the other cardholders whose money was taken and no one has had it resolved yet. One man has not received his paperwork yet and he called in days before me and waited on the phone 1 1/2 hours. There is something really wrong going on with this company. It has to be an inside job. People 's cards were compromised before taking them out of the container they were in. Someone had to know the security code on the back of each card plus the numbers which are concealed even when bought. Please check into this. In just our organization alone a few thousand dollars have been stolen. On the back it says the card is issued by XXXX XXXX XXXX XXXX XXXX XXXX Please help us get our money back.
Complaint sub-issue: Reporting company used your report improperly

On the morning of X/X/17, I learned of the data security breach at Equifax Credit Bureau via XXXX. XXXX provided a website address/URL to assist individuals in determining if they were affected by the hacking incident. I visited the aforementioned site and was informed that both me and my spouse were possibly affected by the hack. We subsequently registered for identity theft protection via their TrustedID program. Later on in the day, I learned that after one year Equifax will charge for the TrustedID program and signing up for the program waived our rights to participate in any lawsuits ( i.e. class action, etc. ) and we 're subjected to only arbitration. I believe this to be very unfair, penalized in two different instances for their inadequate cybersecurity protection of our personal and highly sensitive data ( charge after one year and waiving our rights ).