Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem during payment process

I opened a credit card with Citibank in XX/XX/XXXX. I made my first payment of {$1000.00} on XX/XX/XXXX ( the date it left my account at XXXX ) via bank to bank transfer, from my account at XXXX to the credit card account. This is an electronic funds transfer -- instant cash to Citi. However, I learn today on XX/XX/XXXX that my payment was being held by Citi until XX/XX/XXXX! This is unacceptable. Citi has my money. I no longer have the money in my account at XXXX. That is 9 DAYS! In this day of EFT, overnight clearance of personal checks, etc. it is absolutely unacceptable for Citi to hold on to my money ( cash via EFT ) and this long before I get access to it. They in turn are using my money ( along with that of others ) in overnight lending to make money on my money. They should not be allowed to hold onto my money this long when it is a bank to bank transfer.
Complaint sub-issue: Company closed your account

I opened the account on XX/XX/2022. 
I began to fund the account from another bank account. I noticed some transfers were declined and others accepted and then the next time I checked my account was not only in the negatives but blocked. On XX/XX/2022, I noticed the block and began to contact the bank to understand why and maybe see if theres anything I could verify or provide to prove that there was no fraud or anything. Repeatedly, all of their agents said the same thing the account is blocked, there is nothing more I can tell you. Youll receive a check in 60 days. I am not in the financial position to wait 60 days for my funds especially when I have no explanation as to why this is happening. If the account could be unlocked just so I can transfer my funds back, I would close it myself. I trusted this bank with my money and now I have nothing.
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$76.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CITI XXXX ... XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX  XXXX XXXX Balance {$0.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX, I was notified by email that a hard inquiry was made between XXXX XXXXXX/XX/2019 by XXXX XXXX XXXX XXXX GA. 

After reviewing my report it showed me that XXXX XXXX did the inquiry.I did not authorize any inquiry from XXXX XXXX. 

I did call XXXX XXXX on XX/XX/2019 and ask for information regarding the inquiry and why it was done. I was told they would call me back.
Complaint sub-issue: Deposits and withdrawals

In XXXX, I established a XXXX business bank account for my business to professionally accept payments from clients. On XX/XX/XXXX, my first client sent {$2500.00}. I attempted to transfer {$2400.00} to my bank account after the client sent the funds to my Square account, but Square sent me an email stating that they were deactivating my account and putting my funds on hold for 90 days. The first paragraph of the email stated " Were sorry to inform you that weve had to deactivate your account. Based on the information you provided about your business, were not able to support your business needs right now. You wont be able to process payments with Square. Unfortunately, this decision is final. '' I immediately responded to Square with an email asking for clarity and pleading for the immediate release of my funds. I did the same on XXXX. It has been three days, and I have heard nothing. There is no phone number to call and apparently no willingness to help. I was relying on these funds to support my work and my family. Having reviewed online reports of the same experiences with other customers, I have come to the conclusion that Square does this often. I did nothing wrong, and I now have money seized by this company. It's unethical. Where is my money? Why is it being held? No reasonable person would say this is okay.
Complaint sub-issue: Debt is not yours

I received an email from a debt collector ( True Accord ) which stated I owed on a credit card issued by XXXX XXXX Bank XXXX I contacted XXXX XXXX Bank and XXXX them I have never applied, nor been issued a Credit Card from them. They investigated, then still sent me another email through True accord a debt collector. Sent an inquiry again, only to get the same vague copy of XXXX XXXX Bank Credit Card XXXX Uses a very old address of mine and does not specify what was charged on the card. 
Please help!
Complaint sub-issue: Information belongs to someone else

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX ) via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The information for this account listed on my credit report is : CREDITOR : NELNET LNS, ACCOUNT XXXX, OPENED XX/XX/2006, BALANCE OF {$35000.00}
Complaint sub-issue: Received bad information about my loan

Beginning in XXXX of XXXX, I attempted to apply for the XXXX program by submitting materials to servicer, XXXX. XXXX submitted application materials to loan guarantor PHEAA, who rejected application for lack of materials ( teaching credentials, letter from principal ), though these materials had previously been submitted. Same materials resubmitted multiple times by XXXX to guarantor and each time it was rejected ; the reason given : guarantor required those same ( previously submitted ) materials. On XXXX/XXXX/XXXX guarantor told me they had received no materials from XXXX and that I was not to contact guarantor. They also said I could fax materials directly, but nothing would be done if not sent by servicer, thereby rendering action pointless. They referred me back to XXXX. XXXX then placed XXXX call to PHEAA who admitted receiving materials in XXXX while also admitting to rejecting the application for lack of same materials. Call transferred to new rep who then refused to speak further when informed call was being recorded by XXXX. No resolution offered. XXXX rep offered no other recourse. In same day, Guarantor refused to speak with me, said they would only deal with XXXX, referred me back to XXXX, and then refused to speak with XXXX because of their policy of recording phone calls, leaving me with no further recourse.
Complaint sub-issue: Was not notified of investigation status or results

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately 1.XX/XX/XXXX XXXX XXXX 2.XX/XX/XXXXXXXX XX/XX/XXXX # XXXX 3.XX/XX/XXXX XX/XX/XXXX # XXXX
Complaint sub-issue: Information belongs to someone else

CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT INFORMATION DUE TO ID THEFT APPEAR ON MY CREDIT REPORT / TOO MANY INCORRECT LATE PAYMENT, DEFFERENCE NAME, ADDRESS AND INQUIRIES NOT AUTHORIZED BY ME.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many accounts 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 accounts which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX  XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; US DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX {$89000.00} ; XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} If you feel there is a possibility these accounts 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 accounts are100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are 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.
Complaint sub-issue: Their investigation did not fix an error on your report

Please take note that I was not 30 days late on XX/XX/XXXX on my XXXX XXXX  XXXX and not 30 days late on XXXX and XX/XX/XXXX on my XXXX XXXX XXXX. This is totally incorrect..Credit bureaus did not provide proper documents that could prove the account is in fact correctly reported but they wont overturn this erroneous inaccurate claim. CFPB step up and delete the negative items
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account XXXX FUNDING # 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 my written instructions
Complaint sub-issue: Account status incorrect

Account status in collections is false. showing in collection but when i click to see what account i " have '' it shows a paid acct. its very contradicting. date reported is fraud that acct has been paid in full 3 months BEFORE reported date!! what's going on!! this is intimidating and affects my daily life.
Complaint sub-issue: Debt is not yours

I have sent XXXX letters asking for them to show proof of my signature and of the agreement or remove it off of my credit reports. They have failed to respond.
Complaint sub-issue: Information belongs to someone else

there is an account from XXXX XXXX being reported as charged of and a collection account from XXXX XXXX  as an account being in collection both accounts refer to XXXX XXXX. I don't recall having a XXXX   account, I have never been notified by either of these accounts. I believe XXXX XXXX  is trying to collect on an account I don't owe. 
XXXX XXXX needs to send validation that this my account, and same with XXXX XXXX. XXXX and Equifax needs to remove both of these accounts for they are duplicate accounts being report twice to my credit report. once as a charged of credit card and once as a collection under XXXX XXXX. 
if this problem is not resolved through this report, then I will have to file a fraud affidavit against XXXX XXXX for being in possession of my person information with out providing any proof why they should be in possession of such information. 
make sure all document sent to me bares my signature and a photo copy of my government issued ID.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30-60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is reporting a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

I have never ever had any XXXX wireless accounts! Im police reports were filed and turned over to XXXX over a year ago. They refuse to fix the issues. If not removed my attorney will be taking legal action as all documentation was provided.
Complaint sub-issue: Was not notified of investigation status or results

After careful examination of my credit report from both XXXX and Equifax, I noticed several inaccuracies and notified XXXX and Equifax. My original request to challenge the accuracy of information report on my credit report was mailed to XXXX XX/XX/2022, certified mail, article # XXXX XXXX XXXX XXXX XXXX. Since I hadn't received a response, I then mailed another letter dated XXXX Then I mailed follow-up nonresponse letter dated XX/XX/XXXX. To date, I've yet to be notified an investigation was performed on my behalf.
Complaint sub-issue: Information is not mine

XXXX ( Preferred Customer ) put that account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Equifax several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Equifax credit report and to stop this harassment.
Complaint sub-issue: Attempted to collect wrong amount

Account information was recently posted to credit companies. On year XX/XX/XXXX I send the check for the amount in question of {$220.00} check number XXXX to the dentist at XXXX XXXX XXXX in XXXX VA. They wait XXXX months to cash the check so they can charge more as a late fee. 


Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$320.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$320.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$310.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX
Complaint sub-issue: Account terms

THERE ARE NAMES ON MY REPORT THAT ARE NOT MY CORRECT NAME AND I HAVE NEVER USED THOSE NAMES. 
I HAVE ONLY USED THE NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OTHER NAMES ARE NOT ME AND SHOULD NOT BE ON MY REPORT SAYING THAT AND I WOULD LIKE THEM TO BE REMOVED AND NOT USED AGAINST ME.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting 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: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has 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 is the inquiry that is reporting on my Credit Reports and needs to delete immediately : XXXX-Date of inquiry XX/XX/2020
Complaint sub-issue: Their investigation did not fix an error on your report

I initially filed complaint XXXX regarded inaccurate data, multiple/fragmented files, and unauthorized inquiries only to have EQUIFAX not resolve my issue but provide an copy of one of the credit files. My issue has remained unchanged. I have multiple fragmented credit files with Equifax. I have submitted 14 disputes since XX/XX/XXXX to correct the inaccuracies of the files and to attempt to have the files merged without success. I have copies of the " corrected report '' of each dispute that are not reflective of the initial credit report that the disputes were submitted. I am subscribed to three different credit monitoring services excluding the free services that are offered my two of my banking institutions and EACH one of them provides a different EQUIFAX credit file for me. I have had contact with several representatives via email support, phone, and certified mail and the issue remains unresolved. I requested a security freeze XX/XX/XXXX ; however, those fragmented credit files are providing unauthorized access to my credit file and I am accumulating inquiries that I have not initiated and Equifax refuse to delete. The most recent response that I received in XX/XX/XXXX stated that " their security freeze is n't completely foolproof that existing creditors can access my report ... .Thank you for contacting Equifax ''. I have spent countless hours holding for representatives or arguing with outsourced representatives that do not provide assistance beyond a script. ISSUE : I obtained a security freeze to control access to my credit file, Equifax fragmented my credit file in multiple files that provides UNAUTHORIZED access along with outdated and inaccurate information that I am constantly disputing, they are supposedly corrected but later reinserted without any notifications to me, and I 'm pretty sure that 's a FCRA violation. I have had creditors close accounts, lower credit limits, and deny additional services because of the inability to obtain accurate information. My employer requires periodic background reinvestigations which requires full credit disclosure in order for me to maintain security clearance for my job position and due to this issue they have not been able to do so. My credibility is being questioned and my livelihood is being jeopardized. AS OF XX/XX/XXXX, EACH ATTEMPT TO CONTACT RESULTS IN " WE CA N'T HELP YOU OR WE DO N'T SEE WHAT YOU HAVE, OR WE CA N'T TRANSFER YOU WITHOUT ACCOUNT NOTATIONS, OR YOU CAN REQUEST DISPUTES ONLINE ''. THIS IS UNACCEPTABLE AND THIS IS MY LAST ATTEMPT TO SEEK A RESOLVE BEFORE OBTAINING LEGAL COUNSEL.
Complaint sub-issue: Their investigation did not fix an error on your report

THEY WILL NOT PROVIDE ME WITH PROOF THAT THIS DEBT BELONGS TO ME, I REQUESTED A CONTRACT AGREEMENT. BUT THEY CAN NOT PROVIDE ONE
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Many numerous third party inquiries on my credit report that I did not ask for. Called many of them, and nobody picks up and states office hours are closed when theyre open. I never asked these people to inquire about my credit.
Complaint sub-issue: Account information incorrect

XXXX XXXX has failed to correct my report. It's reporting erroneous, false and incomplete data to all three credit bureaus. I have called five times over the last 18 plus months to get them to make corrections. They have failed to do what's required under the law. 
Balance, payment amount and status dates are not being reported currently. 
Data is incomplete and has caused me credit problems. 
Acct # XXXX Vin # XXXX
Complaint sub-issue: Problem with personal statement of dispute

CREDIT CARD : SEARS Date : XXXX of XXXX  Payoff {$340.00} Date paid : XXXX, XXXX  I got XXXX  during the month of XXXX My payment records were excellent I had auto payment ON on my account with SEARS The credit card reported a 30 days late on my payments. As soon as I noticed that LATE PAYMENT, I called Sears and they said they will fix the error. I went ahead and paid the full balance at that time to avoid more problems. I didnt owe much anyway and paid. 
Sears said I removed the auto payment which I dont recall doing. 
I asked them to fix the 30 days past due and they said several time they will do it but they lied and they never did. The 3 credit agencies XXXX XXXX and XXXX got the report from Sears with the 30 days past due. 
I asked SEARS to remove the bad credit as I was an excellent payer and that with the XXXX  I may have done a mistake or error with the account ( I got brain fog ) I still dont know what happened. 
They said they will but they never fixed it. 
I sent XXXX hospital reports and still they didnt fix it It is hurting my good credit