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

My XXXX deposit of {$1200.00} was received by US Bank on XX/XX/XXXX from the US Treasury. I have attached the letter confirming the deposit from the US Treasury. The funds were not showing as a deposit until XX/XX/XXXX by US Bank. I was told by US Bank on XX/XX/XXXX that my account was CLOSED and therefore the funds would not be deposited to a CLOSED account. At that time on XX/XX/XXXX, I called Social Security to change my direct deposits to go to another account outside of US Bank since the account showed a CLOSED status. Social Security confirmed that due to the deposit going to a CLOSED account, the {$1200.00} would bounce back to the US Treasury, and after the US Treasury received the funds back from US Bank, the XXXX Treasury would reissue the {$1200.00} to my new direct deposit account. 
I have made over 6 attempts to get my {$1200.00} from US Bank, where each and every time, I have been told, Theres nothing we can do until you receive a cashiers check from Minnesota due to the closure of your account. The cashiers check is in the mail and you just have to wait for the mail to come. I have been to the bank as well as called the bank to let them know that there has not been any checks in my mail! I continue to get the response Theres nothing we can do to give you your money! 
I can not wait any longer! I have bills and rent to pay and I depend on my XXXX to pay them every month. I am XXXX and that is my livelihood. Please help me and ask US Bank to give me my money and stop patronizing me by saying The check is in the mail! I received 3 different dates as to when US Bank in Minnesota issued and mailed the check last week. 
Are banks allowed to hold Social Security funds the way they are after closing an account on a consumer? Especially a XXXX consumer? 
I can not wait any longer due to the fact that I have received an eviction notice and my car payment is now late as well. 
Please help!
Complaint sub-issue: Account information incorrect

Remove the following accounts from my credit report immediately. As of XX/XX/2022 I received an update on my consumer report after a re-investigation I did on Equifax on two accounts ; XXXX XXXX XXXX XXXX and XXXX XXXX. These accounts are still not reporting 100 % accurate on my credit report and I know this because i compared my updated Equifax report to my updated XXXX report and under 15 U.S. Code 1681i ( 5 ) any inaccurate or invalidated credit information reporting to my credit report after a re-investigation the consumer reporting agencies shall delete that item/account. The furnisher had more than 3 times to correct this matter so notifying them will do nothing i need these accounts removed immediately as this has been stopping me from obtaining good credit and also is in violation of my consumer rights.
Complaint sub-issue: Information belongs to someone else

I have a public record that has been mixed or merged with someone elses report showing up on mine, I even have a fraudelent birth year of 1987 showing up. I have tried to fix it with the burueas on several occasion but they claim they veirifed through XXXX XXXX. I reached out to XXXX XXXX and they have sinced removed it ( I have attached proof ). Next I reached out to the courts of Michigan, They returned a letter saying they dont provide the burueas information ( I have attached proof ). Lastly I filed an FTC complaint against the burueas and I have included this as well.
Complaint sub-issue: Account status

The following complaint was resolved by it being removed from XXXX on XX/XX/XXXX. How do I get it removed from XXXX and Equifax also? Here was my Case number : XXXX I am disputing the only adverse account on my report, which is XXXX # XXXX ( XXXX ) for the amount of {$410.00}. This entry is totally fraudulent and I am requesting that it be removed immediately. 
Here are the facts : XXXX failed to provide service for the amount which was agreed to, and subsequently terminated my service after ten months of service. XXXX broke the agreement by not only overcharging me every month but also by terminating my services on XX/XX/XXXX when my bill was paid in full thru XX/XX/XXXX. 
On Friday, XX/XX/XXXX, at approximately XXXX XXXX., when I called to complain about fraudulent charges being on my bill for the tenth month in a row, XXXX immediately disconnected my services even though my bill was paid in full thru XX/XX/XXXX. I can only assume that XXXX was tired of my continual complaining about the fraudulent charges every month so they decided to terminate my services when I repeatedly complained about the fraudulent charges. 
When I noticed that the services were turned off, I called XXXX back to again complain and I was told that the services had been disconnected and that I would receive a credit for the remaining eleven days on a final bill. XXXX owes me {$14.00} for disconnecting my services on XX/XX/XXXX when my account was paid in full thru XX/XX/XXXX. 
I owe XXXX nothing!
Complaint sub-issue: Company closed your account

I was a Citi bank customer for years, having a double cash card and a accelerate savings account with Citi. This month, I also opened a checking account with them as they were advertising a {$700.00} bonus reward for keeping {$50000.00} in the account. XXXX weeks after opening this account, Citi closed both my savings and checking accounts without notifying me. I received no email, letter, or phone call advising me of the closure. In this time, I had processed transfers between other external bank accounts and sent an estimated tax payment from my account to the IRS which was later reversed due to the account closure and now I am being assessed a {$47.00} fee by the IRS for a bad check. Furthermore, my savings account that Citi closed contained almost my entire life savings. I have been told Citi is sending me a check for this sum of money which I have yet to receive. This has caused me immense stress knowing my entire savings is floating around in the postal system in the form of a check. There is currently {$20000.00} unaccounted for between my external account and my citi account as that transfer was in process when Citi closed my accounts without telling me. I spent nearly XXXX hours on the phone with Citi being passed around between XXXX different departments trying to determine why I couldn't access my account. I was finally told my accounts had been closed but they refused to tell me why. They said the reason would be sent in a letter which I have yet to receive. Because Citi closed my online account access, I lost access to my double cash credit card account despite this account not being closed. This required another XXXX hours of calling citi bank and being passed around between departments. On XXXX occassions, I sat on hold for nearly an hour just to have a representative answer and hang up, causing me to have to call again and sit on hold for another hour. I will NEVER bank with Citi again and will be closing my credit card account with them soon. These practices are extremely aggravating and unethical.
Complaint sub-issue: Personal information incorrect

I was in the process of buying a car and found out my birth date was wrong. It was shown that my birth date was in XXXX ( don't recall the date ) not my real birth date of XXXX XXXX. What I would like to know is how my birth date got changed and why I had to correct it with one of the credit reporting companies but I had to sent a copy of my drivers license to them to prove the correct date. I didn't like the idea of sending it to them possibly a way of my identity being stolen. How did this information get changed to begin with. Euquifax was the credit outfit I contacted and that was a production dealing with them.
Complaint sub-issue: Information belongs to someone else

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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: Debt was result of identity theft

I am a victim of identity theft. I recently received an updated copy of my credit report and found the following collection account that does not belong to me. The collection account is EOS CCA and the original creditor is XXXX. I previously submitted identity theft documentation to XXXX including a copy of the police report and the FTC identity theft report. XXXX responded apologizing for opening the account and told me they would cease the collection efforts. Copies of the police report and FTC identity theft report have been forward to all three credit bureaus and the CFPB has a copies for their records as well.
Complaint sub-issue: Problem with customer service

I had a previous complaint # XXXX and the response given was just a runaround that I have been hearing for months. I want a way to contact XXXX XXXX XXXX without going through AES.  There is no way to contact them directly, I would like their phone number.
Complaint sub-issue: Account information incorrect

XXXX is reporting late payments from XXXX and XXXX XXXX on my account when its inaccurate. I requested it be investigated and corrected numerous times and they continue to report the inaccurate information.
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX IS A SCOFFLAW REGARDING THE FCRA AND MANY OTHER LAWS OF THE USA.I AM SUING EQUIFAX IF THEY DO NOT PAY ME DAMAGES OF {$10000.00} WITHIN 5 DAYS OF RECEIPT OF MY DEMAND. 
DEPT OF ED LOAN, ACCT XXXX IS NOT MINE, YET EQUIFAX HAS VERIFIED IT MORE THAN 10 TIMES.
Complaint sub-issue: Information belongs to someone else

I have no knowledge of the account. I didnt do this. I have filed a fraud report # XXXX regarding XXXX XXXX account.
Complaint sub-issue: Company closed your account

I opened a business account and a personal account, I deposited 1 check, no transactions were done and they closed my accounts with no warning, and their best response is we have the right to close any account anytime for any reason!!!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I now have filed 3 dispute letters with each credit companys i have been a victim of identity theft and these accounts was taken out in my name without my consent causing my family and business to suffer greatly. I am writing this due to non-compliance with ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Complaint sub-issue: Information belongs to someone else

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 

Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1000.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$560.00} Reason : Account is fraudulent Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$780.00} Reason : Account is fraudulent Account Name : XXXX XXXX  Account Number : XXXX AMOUNT : {$500.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$1400.00} Reason : Account is fraudulent Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Received bad information about my loan

I recieved a letter of notification that my student loan balance was {$0.00} XX/XX/XXXX. 
I recieved in the mail last week XX/XX/XXXX a letter from FMS stating that I owed {$1200.00} +XXXX+XXXX in fees. 
I paid off the full {$20000.00} My first initial thought was that I am being scammed. I 've called the dept of education and they have transferred me to several different companies. No one can seem to tell me exactly why I got this letter. 
Please help me. 

XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

The credit reporting agencies are still showing accounts that should have been removed because of fraud. Multiple complaints have been filed to no avail, without the negative information, my credit score should be over 700.
Complaint sub-issue: Debt was paid

National Recovery Agency is contacting me via mail and TEXT ( at XXXX! ) regarding a XXXX XXXX account that was paid off XXXX ago. The previous agency that tried to collect on this account, this was taken off my credit report and I thought I was done with it, but obviously not
Complaint sub-issue: Unable to open an account

On XX/XX/19 had {$240000.00} wired into an account I set online. I have spent approximately 10 hours of phone calls and emails attempting to get access to the account. After several phone calls, I leaned that the first two XXXX verification documents I sent were rejected because they were in my first name and not the initials I used to set up the account. When I asked why I had not received any communication from them as to the problem, I was told they don't make those types of call. On XXXX, I uploaded another XXXX document that had my address and my name listed as initials and received a confirmation from bank that doc had been received. I just got off of another 45 minute call today ( XX/XX/XXXX ) and was told that the doc was never received and I should call again next week. I spoke with a supervisor who told me that she would have to check with another dept and get back with me but advised that Citibank might reject doc anyway ( because I recently moved and the bill did not include the last 30 days ). I told her that if that happened, I just wanted to get my money. Her response was to tell me that it could take 30 days for them to send me a check.-which would mean they would have had my money for 45 days for free. This is a pretty shady way for a bank to make its money and its money seems more criminal than just bad customer service.
Complaint sub-issue: Information belongs to someone else

I am a victim of inaccurate/unverifiable/invalid/and-or possibly even fraudulent misinformation. I am writing to request that you block the following unrecognized and/or fraudulent information from my credit report. I have no idea how the misinformation come to take place. I also have no knowledge of any person/persons/or entities that might be responsible. I have not received any money, goods, or services as a result of the disputed misinformation. 

This is NOT my addresses : XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and never have been. 

These are NOT my account ( s ) : XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax thinks it's funny to keep things on my credit that are no true, timely or just. I've been a victim of ID Theft in the past and Equifax is doing nothing to protect my consumer rights. The other 2 credit bureaus have permanently removed the accounts for my protection but Equifax is refusing too. Please help me with this matter ASAP as it is ruining my life and livelihood.
Complaint sub-issue: Report improperly shared by CRC

I have been victim of identity theft XXXX times now in about XXXX years time. I have filed complaints with Consumer Fraud and with the Credit Bureaus. Latest issue is so many hard inquiries on my file by auto finance companies I did NOT give written or oral permission to. Wrote them all and asked for copy of credit authorization form they have that gave them permission. None have been able to send any because I never gave them permission. Only XXXX dealerships were authorized, XXXX XXXX in writing, and XXXX XXXX XXXX orally over the phone. Yet there are XXXX inquiries total on my file with XXXX credit bureau alone. I know one has a XXXX day window to shop around for auto financing, and it only shows as XXXX Hard Inquiry. This has always been the case all my life, yet this time with XXXX XXXX, almost all their companies they dealt with show as Hard Inquiries on my credit. My file is supposed to flagged due to the identity thefts, and yet they are allowing all these other entities to check my credit WITHOUT a credit authorization formed signed my me. I have wrote Equifax and the others asking they remove those unauthorized inquiries and got back a form letter with a response that I can not understand at all ... .. '' inquiries are a matter of record of all companies that have accessed your credit file ... ... ''. The inquiries are still there and not removed and it has affected my credit score drastically. I am so tired of these automated responses that get absolutely nothing done whatsoever to protect the consumer ... ME! They have allowed all sorts of entries on my credit that I never authorized, and then I get calls from collection agencies for loans I never made, and the vicious circle and cycle continues. At my age of XXXX I should NOT have to worry about this kind of criminal activity on my credit but I am worn out and tormented with this constant struggle to clear this garbage off my credit files, over and over and over and over again, with the Bureaus, from MY point of view are NOT co-operating. After all, its MY CREDIT INFORMATION, and yet they treat me like I am the culprit by trying to get it cleaned up and corrected. This Bureau system sucks in my opinion and needs to be done away with. I will be long dead if that ever happens, so meanwhile I am tormented with having to deal with thefts, illegal inquiries, incorrect entries and Identity issues ... ..growing old SUCKS!!!! 
XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

DEVASTATION- CAR DEALERS RAN MY CREDIT 51 TIMES WITHOUT MY AUTHORIZATION AND WITH ME UNDER DURESS. In XXXX/XX/XX/2016 I called a few car dealers to inquire about buying a car. I shared that my credit score was in the low 500 's.  Many of them insisted on running my credit-I felt like I was under duress and felt pressure from these forceful Men, but I told them not to and for the few that I said yes to run my credit, I never authorized them to run my credit 3, 4 and 5 times. I did not buy a car from any of the dealers mentioned so I checked my credit the next month and realized that these companies ran my credit 51 times without even going to their dealerships. I was so depressed and overwhelmed with sadness that I could not work. When I finally was able to work I was not able to get a decent job because my credit score had dropped over 100 points due to 51 credit inquiries. I have suffered for almost 2 years and I just recently discovered that they were not supposed to run my credit without my authorization and that they had not right to run my credit so many times, especially after I had told them my score. Here are the companies that ran my credit
Complaint sub-issue: Other problem

BECAUSE OF THE COVID-19 I AM REQUESTING XXXX TO CANCELATION OF CREDIT CARD EFFECTIVE TODAY XXXX TO IRS XXXX AND REMOVE ALL CREDIT REPORTING.
Complaint sub-issue: Received bad information about your loan

I have been enrolled in the Public Student Loan Forgiveness Program since 2012. I have reliably made monthly payments ( via automatic withdrawal from all lenders ) and have contacted fedloan servicing multiple times to check on progress. Two years ago, I received an incorrect qualifying payment count that was off by one year. I was told to complete the Employment Certification Form to " repair '' this error. I completed this last year ( my third one ) and received a follow-up count that was, again, off by one year. After speaking to a manager on the phone for over 1.5 hours, he went through all of the payments that I did not receive credit for since 2012, finding multiple inconsistencies ( example : I was not given credit for multiple payments, despite having bank statements stating otherwise ). I ask for each of these months to be reviewed one year ago and again three months ago, though no updated, corrected count has been issued. This is incredibly distressing and concerning, as we are talking large sums of money that negatively impact my family.