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

On XX/XX/2021, my entire checking account ( ending XXXX ) was closed with no warning and little explanation. I had approximately {$1600.00} in that account and I have no access to any of my money. 

I only have a single document to share. This happened in an instant and I have received no explanation. 

I promptly contacted MoneyLion via phone ( my bank ) and all they told me was they noticed suspicious activity and they closed my account. They sent an email that detailed instructions on how to reopen my account but said it would take 3-5 business days to process.

I immediately asked to speak to a manager and they said there are no managers and that they were entitled to close my account without notice pursuant to the membership agreement.

3-5 business days to reopen an account is ludicrous. I am penniless. I have no money left to feed myself, pay my bills, or celebrate my birthday ( which at the time of writing is in a day ). 

They also said that I owe them an explanation as to the suspicious activity. The only activity that could be construed as suspicious was my student loan disbursement on Monday, XXXX ( approximately {$5100.00} ). But that is outrageous, given the fact I have been a customer for over two years and have had my loans disbursed to this account for nearly as long.

Waiting 3-5 business days is simply unacceptable. The fact that there is NO support or immediate review of these instances is mind-boggling. I am at a loss for words.
Complaint sub-issue: Their investigation did not fix an error on your report

I have continually tried to work with XXXX  to update my credit report, yet when my balances are exponentially decreased there are NO CHANGES TO MY SCORE OR XXXX DECREASES MY SCORE!! I WANT THIS PROBLEM FIXED NOW!!! NEXT STOP IS THE FTC.
Complaint sub-issue: Threatened or suggested your credit would be damaged

To whom it may concern : My name is XXXX XXXX. I am a XXXX XXXX veteran trying to obtain a VA loan to purchase a home, but there is fraudulent student loan on my credit report that is blocking the process. No success in correction after reaching out to ECMC directly, so I disputed the charge through the credit bureau again no success, so I reached out to the XXXX I then got a response from a representative of ECMC ( attached ) that they can not find me in their system. 

Can you please help me get this item removed from my credit history? 

Respectfully, XXXX XXXX
Complaint sub-issue: Account information incorrect

My credit score went down 48 point Bc i was being reported to the credit ppl 4 times this month for no reason say my payment increased
Complaint sub-issue: Their investigation did not fix an error on your report

Look at the discrepancies on the way this XXXX account is reporting below. Not only is missing information. ITs reporting incomplete, misleading, and with multiple inaccuracies. For the last 4-5 months, I been trying to reach out to them directly to resolve this issue, and they failed to report who this account was transferred when it was charged off. Now its reporting incorrect and wrong balances across all the 3 credit reporting agencies, and how come its reporting different payment statuses on payment history below after the account was closed. Its my understanding that it shouldnt be reported as such. Isnt that a violation? Plus, Ive already went ahead and paid-off this account and they guaranteed that they will notify XXXX to delete this account from my credit report. Its reporting with so many inaccuracies and errors. DELETE NOW, and Im not liable. DELETE DELETE DELETE! SEE ATTACHMENTSSSSS
Complaint sub-issue: Their investigation did not fix an error on your report

I was submit a complaint with XXXX XXXX  about two accounts in my credit reports. Problem is that their account appears in my credit reports for too long time. 
Accounts are : 1. XXXX XXXX XXXX ( Credit Card, Opened XXXX XXXX, XXXX ( 17 yrs, 10 mos ) ) and Closed onXX/XX/XXXX 2. XXXX XX/XX/XXXX XXXX ( Credit Card, Opened XXXX XXXX, XXXX ( 17 yrs, 10 mos ) ) and Closed on XXXX XXXX, XXXX
Complaint sub-issue: Debt is not yours

EOS CCA is attempting to collect on a account that dont belong to me. I was resently notified by my credit monitoring service that I have a collection account that just appear on my credit file. I am not the rightful owner of this inaccurate and illegal account. I have never live at the address associated with this account. It is showing a address XXXX XXXX XXXX XXXX XXXX Massachusetts. This is the same inaccurate and illegal account another collection company XXXX XXXX XXXX XXXX attempted to collect on. I file a complaint with the CFPB on XX/XX/XXXX of last year and had this exact inaccurate and illegal account remove. These collection company just move these inaccurate and illegal account from one collection company to another placing them on customer credit reporting Hoping someone that doesnt own the account just pay. These collection company know that this is unlawful and violate the Fair Credit Reporting Act requirements. 


I am providing proof documentation of my State issued drive license as proof of my address for the past 15 years.
Complaint sub-issue: Information belongs to someone else

My XXXX XXXX XXXX sent me a credit alert, stating a credit card balance over {$500.00} from XXXX XXXX, which I do not have. Someone mustve used my personal info to open a credit card account under my name. I went to a local branch, but they dont see anything strange under my name. The only business I ever did with XXXX XXXX was a balance transfer, which I paid off long ago. I never opened up any credit card accounts after that. The alert even showed I had a change of address, which I obviously didnt. This fraud account has dropped my credit score over XXXX points and its concerning me, as I work VERY HARD to pay all my accounts on time every month.
Complaint sub-issue: Personal information incorrect

In accordance with the Fair Credit Reporting Act. XXXX, XXXX, and Equifax have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These addresses do not belong on my credit report. 

XXXX CT XXXX, MD XXXX My name on the report was spelled XXXX XXXX. which is incorrect, please remove it.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting incorrectly that I am 120 days past due on XXXX XXXX XXXX  partial account number XXXX. ( Please see page 2 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried to call and inform the credit bureau that there are plenty of mistakes and inaccurate details on my report. I have disputed them numerous times online and telephone. They still are reporting and not fixing the errors. XXXX XXXX is reporting payments improperly. I have hard pull inquiries that I didn't authorize. I have asked for it to be fixed and removed, but nothing.
Complaint sub-issue: Problem during payment process

On XX/XX/XXXX I went to XXXX to send {$530.00} to citi bank to pay my secured credit card bill. It takes 2 days to go to my card. So on XX/XX/XXXX I checked and see if it went on the card. It didnt. So I called citi to find out what's the problem. They saying it's under investigation. So it will be available to you on XX/XX/XXXX. So today is XX/XX/XXXX and I checked. My {$530.00} is not in my account. So I called this morning and now they telling me XX/XX/XXXX. I told them why it's taking so long. They said that's when it's going to be available. I said you told me that the first time and it wasn't. I said if I wait until XX/XX/XXXX what happens if on XX/XX/XXXX you tell me another date. It makes no sense. It's a secured card so that means it's my money not citi.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Personal information incorrect

I am going over my credit report and I see that my information is either inaccurate or old dated. 
My name is XXXX XXXX XXXX I am XXXX my company is XXXX XXXX XXXX XXXX XXXX XXXX. 
My DOB  XXXX SS XXXX MY only address is XXXX XXXX XXXX XXXX XXXX, OH   XXXX PHONE NUMBER XXXX THE FOLLOW ADDRESSES ARE NOT MINE PLEASE DELETE : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I HAVE A HARD INQUIRES ON MY CREDIT REPORT THAT ARE UNAUTHORIZED I NEVER DONE ANY BUSINEES WITH XXXX XXXX XXXX XXXX XXXX. PLEASE REMOVE THEM THEY ARE NOT AUTHORIZED. I WOULD LIKE TO BE OPTED OUT OF ALL PROMOTIONAL CREDIT CARD ADD AND INSURANCE PROMOS. THERE IS A ACCOUNT SHOWING ON MY CREDIT XXXX XXXX XXXX XXXX XXXX****. THIS ACCOUNT WAS NEVER IN COLLECTION AND HAS ALWAYS BEEN PAID IN FULL, NOT SURE HOW OR WHY IT IS ON MY CREDIT REPORT PLEASE DELETE THIS ERROR.
Complaint sub-issue: Information belongs to someone else

I HAVE CONTACTED YOUR COMPANY AND INFORMED YOU THAT THE FOLLOWING ACCOUNTS DO NOT BELONG TO ME YET YOU STILL CLAIM THAT THEY ARE VERIFIED. MY QUESTION IS HOW CAN A FRAUDULENT ACCOUNT BE VERIFIED. I KNOW FOR SURE THERE IS NO LEGAL BINDING DOCUMENT BECAUSE I HAVE NEVER HAD ANY BUSINESS WITH THESE COMPANIES. ONCE AGAIN I AM A VICTIM OF IDENTITY THEFT AND I REQUEST THAT THESE ACCOUNTS BE DELETED. If for some reason, you choose not to investigate, or send me another letter stating that you have already verified the account, I will do the following : ( 1 ). File a complaint with the Attorney Generals Office. 

( 2 ). Explore all legal options on this matter. 

I dont want it to come to this. Please delete the following accounts. 

XXXX XXXX IN THE AMOUNT OF {$1300.00} XXXX IN THE AMOUNT OF {$1800.00} XXXX IN THE AMOUNT OF {$2800.00} XXXX XXXX  IN THE AMOUNT OF {$420.00} XXXX XXXX IN THE AMOUNT OF {$730.00}
Complaint sub-issue: Personal information

I have a caharge off with XXXX, when in reality the amount charged of has been added to my Mortgage total.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

This company is calling as an attorney stating they need me to meet them at an undisclosed location to sign certified documents. I explained that this debt was opened by an ex cohabitant and then the company called my significant other and left my personal information on HIS voicemail.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/2022 submitted complaint because XXXX XXXX provided the 3 credit bureaus with information regarding a bankruptcy it pulled from PACER, a system of record used by the federal government. I did not give XXXX XXXX any permission to report the information and the Court of Record did not instruct them to report the information or validated the information. 

As of XXXX XX/XX/2022, the company is using a stall tactic to delay removing the information stating it could not verify my identity. I am not sending the in as a new investigation. I demand immediate action from XXXX XXXX to clear my report.
Complaint sub-issue: Information is not mine

The Result of Our Re-investigation from Equifax : " If you believe this was unauthorized, please contact the creditor. If you have addition questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX OH XXXX Phone ( XXXX ) XXXX. '' On XX/XX/2016 I phoned XXXX per Equifax letter XXXX and talked with XXXX ID # XXXX she verified using my ss # it was not mine. Transferred to XXXX XXXX credit card ID # did not have. Verified my ss # this was not mine, transferred to XXXX in Auto Loans, verified my ss # this was not mine, transfered to XXXX XXXX Customer Service Mortgage Services, verified my ss # this was not mine, transferred to XXXX, XXXX Executive Office, verified using my ss # this was not mine. ( TOTAL TIME I WAS ON THE PHONE 1 HOUR 2 MINUTES ) Equifax needs to be responsible call XXXX themselves, verify and remove the Credit Inquire which hard hit my credit file. This mistake needs to be removed immediately from my Equifax file. This is a careless mistake hurting my credit.
Complaint sub-issue: Problem with fees charged

I, XXXX XXXX XXXX, received a loan on a Motorhome from Bank of the West on XX/XX/2021. I received from them my loan papers and noticed on the Disclosure Statement that the amount of sales tax was too much. They had {$14000.00} allotted for sales tax. 
In Arkansas there is a cap on local sales tax. In my case, XXXX XXXX XXXX ( 1.5 % ) and XXXX of XXXX ( 1 % ). If the purchase amount is over {$2500.00}, the sales tax is capped at {$37.00} for the county and {$25.00} for the City. Our total sales tax based on the purchase price of {$160000.00} should have been as follows : State Sales Tax 6.5 % {$10000.00} XXXX XXXX XXXX 1.5 % {$37.00} capped City of XXXX 1 % {$25.00} capped Total {$10000.00} I went to our local DMV and they gave me documentation of these amount which I submitted to our loan officer, XXXX XXXX. He said if its too much, it will be refunded at the after they pay the sales tax and the vehicle is registered. Bank of the West has since paid the sales tax directly to the state in the amount of {$11000.00} which is less that the amount on the Disclosure Statement and actually still not the right amount. The amount that is on the Disclosure statement for sales tax is in our loan and has increased our loan balance by {$3000.00}. 
I have made several calls to bring attention to this with my last call being on the XXXX of XXXX. Every call I'm assured it will be fixed and credited back to my loan but XX/XX/2021 it has not. 
I am 5 months into dealing with this and still no resolve. I am paying interest on this amount and quite frankly find this fraudulent. They were aware it was the wrong amount from the beginning, charged it anyway and now not crediting my loan back for the overage. This is why we have Disclosure Statements and Truth in Lending, to protect us. 
I have documentation to support all these claims. I will sending you copies of : 1 Loans papers which includes the Disclosure Statement 2 Check stub from where Bank of the West paid the State of Arkansas for the sales tax 3 State of Arkansas registration which states the amount that was paid 4 An online print out from my local DMV with a note by XXXX XXXX XXXX stating the correct amount dated XX/XX/2021.
Complaint sub-issue: Report improperly shared by CRC

XXXX : XXXX I tried to register a complaint with the Michigan XXXX using the online complaint form regarding the XXXX XXXX XXXX account that was reported in 2014 on both XXXX and Equifax. However, despite me clicking the " company '' option as opposed to the " person '' option for the XXXX complainee sections it insisted I fill in a first and last name as if it were a person. It highlighted these fields in red and would not process anything until I filled them in to no avail. So I wo n't be retyping it. Just wanted to let you know that those who may want to, ca n't. Both XXXX XXXX XXXX and XXXX have no name to contact.
Complaint sub-issue: Debt was result of identity theft

I wrote a letter to the company of IC Systems and ashed them to send me something validating this account. Something that proves I am indeed the person responsible for paying this debt. I received a letter back stating that they can not verify that information, so I would like this account removed from all 3 credit bureaus.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

A computer glitch that was XXXX problem, not mine has caused inquiries to be deleted from my credit report which they later placed back on my report without a legal 5 day written notice. I contacted XXXX in good faith to ask that they delete what was re-added they chose a few to delete. These inquiries that I did n't authorize are causing a hardship and my rights were violated.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/19 I received an email from Sallie Mae that a student loan was denied and it listed XXXX as the credit reporting agency. When I looked on my credit report I could see a new hard inquiry had been done by Sallie Mae on XX/XX/19. I did not apply for a loan with Sallie Mae on that date. It had me listed as a co-signer of the application and allowed me to pull up a copy of the application. It lists clearly that I had not signed nor received a request to sign to be a co-signer. After speaking with my daughter she said she started the application but didnt finish it because she didnt have my information. I contacted Sallie Mae to dispute the inquiry. Sallie Mae said I had to call the police and prosecute my daughter for fraud to have it removed. I tried explaining that no she had not committed fraud, the application was never signed by me and therefore was never completed and they should not have run an inquiry without authorization to do so. The person on the phone just kept over talking me and telling me I had to press fraud charges. How can they run an inquiry on my credit report when the copy of the application they sent me clearly states co-sign never signed. I didnt get an email asking me to sign or anything. It was an incomplete application and never should have been processed to begin with. The inquiry should be removed from XXXX based on that. XXXX will not do anything without a letter from Sallie Mae telling them to remove it from my credit report. Im not sure who made the mistake of processing an inquiry on my credit without permission, either Sallie Mae or XXXX but neither will help me to resolve the issue. My daughter didnt commit fraud the application was not completed and I never signed it so it shouldnt have ever been processed.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX XXXX XXXX XXXX & XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX On behalf of XXXX XXXX XXXX for Insurance underwriting On behalf of XXXX XXXX XXXX XXXX for Insurance underwriting XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX 
Inquired on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX, XXXX IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX ___________________________________________________________________ in accordance with the Fair Credit Reporting act these companies, have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ____________________________________________________________________
Complaint sub-issue: Funds not received from closed account

At the end of XXXX I received a letter stating my account would be closed and an investigation would be conducted to determine if there was any fraudulent activity. The letter stated N0 withdrawals or deposits could be made into the account. Ovdn XX/XX/2022 the XXXX XXXX XXXX deposited funds into the account and the funds were accepted, but I was not able to access them. I was told once the investigation was complete the funds would be mailed to me. It has been nearly 5 months and they are still holding my funds. I have contacted the bank and been told many different things, but no one can tell me why my funds have not been sent and when I may get these funds,
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute in regards to the incorrect items on my credit report. I have yet to receive an update in regard to the results from the investigation.
Complaint sub-issue: Information belongs to someone else

Hello I check my credit and I see there a auto loan for XXXX on my EQUIFAX REPORT NOT XXXX OR MY XXXX REPORT. I BEEN SENDING IN ALL MY LEGAL DOCUMENT TRYING TO DISPUTE WITH EQUIFAX FOR A WHOLE YEAR. IM NOT UNDERSTANDING HOW IS EQUIFAX VERIFYING THE INFORMATION AND YOU NEVER SENT ME NOTHING IN WRITING. I NEED HELP TO INVESTIGATE MY SIGNATURE AND ADDRESS ECT. THIS IS NOT ME. I NEVER HAD THIS ACCOUNT XXXX XXXX XXXX THE ACCOUNT # XXXX. MY IDENTITY WAS STOLEN WHEN MY PURSE WAS SNATCH YEARS AGO. IM IN XXXX WHERE ITS KIND OF RUFF AND DANGEROUS WHERE ANYTHING COULD HAPPEN.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX XXXX XXXX, Chapter XXXX Bankruptcy Discharged XXXX-XXXX-XXXX/XXXX-XXXX-XXXX/XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX - XXXX  XXXX  XXXX ) XXXX