Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't close your account

On XX/XX/2019 I made an ATM CASH DEPOSIT at XXXX XXXX  at the XXXX XXXX XXXX Branch of KeyBank to cover an XXXX overdraft that occurred XX/XX/2019. They withheld that Cash Deposit which made more overdrafts amounting to the tune of {$160.00}. I contacted KeyBanks 1800 number immediately after seeing that my Cash Deposit was withheld til midnight of the XXXX as they also caused the overdrafts by doing this. They refused to reverse the overdrafts stating There computer did not recognize the CASH DEPOSIT so this held. I went into the physical location on Saturday, XX/XX/2019 spoke with Branch Manager XXXX XXXX explaining the situation and how unsatisfactory I felt about the business relationship with KeyBank and to close my account effectively before I walked out the door, she gave me the {$64.00} that was left in the account, but than stated there were 3 items for {$3.00} still pending and once those close out, the account would be considered CLOSED! I looked on line the following Thursday XXXX XXXX I went on line to ease my mind that this Checking Account was indeed CLOSED and it had not been!! A negative balance of {$19.00} was showing!! I contacted XXXX at KeyBank and asked her why this was happening she stated because of the pending transactions she couldnt close the account, I then stated why did she allow me to take out the {$64.00} because that would have covered those remaining pending transactions if they are not automatically deducted once the vendor puts ahold for funds on the account like XXXX does. She goes in to tell me, Key doesnt work that way. I told her since it was late in the day, Im XXXX and do not drive, I couldnt make it in til XX/XX/XXXX @ XXXX XXXX to pay again the {$19.00} for these charges they let through on a CLOSED ACCOUNT. Upon arriving to KeyBank via the XXXX car service, XXXX states the amount had gone up from {$19.00} to {$29.00} because three more {$3.00} transactions had gone through. I paid it and firmly told her again to Close the Account and if any straggler Vendors I may have forgotten or have contacted and still tried to use the account could contact me and I would give them my new banking information or ask why they attempted to use the account after I had communicated with them that the account was no longer valid. As the conversation closed she stated she would handle the account personally and assured me no transactions would go through and I wouldnt be charged ANY OVERDRAFT FEES if they did. As of today, I get an email from a KeyBank that I owe another {$160.00} for those three {$3.00} transactions they let go through after I requested the account closed not once but twice. This is an Atrocity of its highest order of Banking Fraud  and Greed to a XXXX Senior Citizen on a fixed income and they need to be dealt with. I would like all the overdraft fees back, from the XX/XX/XXXX incident til date. Im sure I am not the only individual this has happened to. No proof just conjecture.
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed approx. 4-5 disputes with Equifax regarding my revolving XXXX account with XXXX XXXX XXXX XXXX They are reporting it as closed as of XX/XX/2022 but the account is NOT closed. After their investigation, they simply come back and say its been verified as accurate. But thats incorrect. I submitted another dispute today, XX/XX/2022 in hopes they get it right and fix it.
Complaint sub-issue: Problem getting my free annual report

I have tried to get my free annual report or to buy one from Equifax numerous times. Their identifying information questions contain information that does not apply to me ( what mortgage do I have, what is the monthly payment, do I have any of several credit cards that I do not have, etc ). When I answer these accurately " Not applicable '' it says I have entered incorrect information. When I try calling them they do the same thing - the information they are looking for is incorrect so it is impossible for me to access my report. I have never had a mortgage, car financing, department store credit or any of the other things they insist I have and want me to identify.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020, I submitted a dispute for the 3 bureaus and I have not get any information of the finding.
Complaint sub-issue: Information belongs to someone else

The letter I sent to Equifax last XX/XX/2022 was to inform them that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. This account is unknown to me. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any items and information not later than 4 business days after XX/XX/2022. Ive already included this account in my previous Complaints & I am including them again : XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

In accordance with the Fair Credit Reporting Act the following Accounts, 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 an account without my written instructions. 

15 U.S.C 1681 ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

In accordance with the Fair Credit Reporting, everything has to be 100 percent accurate on my credit report. 

XXXX stated the Discover account XXXX opened XX/XX/2018 was properly investigated but how is that possible if I never applied for the Discover account XXXX XX/XX/2018 and have sent them a letter from Discover in which it states the account was opened fraudulently? I have also filed a police report and a FTC report.
Complaint sub-issue: Didn't receive enough information to verify debt

XX/XX/XXXX a collection was reported to my credit file in the amount of XXXX. I have no knowledge of this account. So I was disputed it XX/XX/XXXX. It was removed. The collection was added again XX/XX/XXXX. I disputed it. They told me the information was verified. I stated I never received any communication that I owed the debt to this company nor do I have knowledge of the account. XX/XX/XXXX I received a notice in the mail with the collection company telling me I owe them XXXX. No information verifying the account belongs to me.
Complaint sub-issue: Account status incorrect

I am writing to you because I noticed some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. I have contacted XXXX XXXX XXXX regarding a late payment on my credit account and they have yet to remove the 30-day delinquency from XXXX 2022.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the credit Reporting act XXXX Account XXXXXXXX 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX act # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

The months in violation are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Complaint sub-issue: Information is not mine

Hello my name is XXXX XXXX XXXX. I have a complaint against Equifax. I was a victim of identity theft 8 years ago. I went to view my credit report for the first time in XXXX 2016. I notice that I had items on my report that was n't mine. I began disputing them. When it came to the inquiries I was told by Equifax that I neede to contact and or write the creditors because they was not responsible for disputing inquiries. I really could n't understand that, considering they disputed the accounts. So I went to the information that the creditors had for the inquiries. Addresses and or phone numbers. Some did not even have phone numbers. However I wrote each and every company. Disputed that I did n't authorize for a inquiry to be ran and please delete from my credit report. I received letters from companies saying either it should n't been a hard inquiry or they have no records of me on there file. I also got several letters back from the post office with insufficient address and addresses that do n't exist. I sent copies to Equifax from the companies and Equifax said they was n't going to remove them. I told them that I did what y'all ask. I send proof and you still wo n't delete them. I trying to figure out how can I do he same thing twice. Some of the creditors do n't even have the correct info. Pleas help me resolve this matter. I did what was asked and they are still treating me bad.
Complaint sub-issue: Reporting company used your report improperly

Violations of reports on my credit report to all credit reporting Agencies without my consent for debts I do not owe according to HJR 192 and Public Law 73-10 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
(

2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
Complaint sub-issue: Information belongs to someone else

Greetings I am disputing with EQUIFAX the following Unauthorized / Unknown accounts that showed up on my credit report on XX/XX/XXXX. I have filed two complaints with the FTC in regards to this matter. FTC Complaint Reference number is # XXXX and XXXX. I am a previous victim of identity theft back in XXXX and already have an extended fraud alert placed on my EQUIFAX Credit report so there should be no excuse as to why these Unauthorized accounts unknowingly hit my report without my consent of proving the accounts belong to me. These accounts reporting to my credit report go violated the Fair Credit Reporting Act and Equifax is not following FCRA reporting practices. This issue has been affecting my ability to hold a job and get approved for a home mortgage. I have also reached out to both the creditors and have attached a filed Identify Theft Police Report, My Two Filed FTC complaints and a copy of my XXXX  and XXXX XXXX credit report reflecting that the following two accounts do not belong in any of my personal reports. I would really appreciate getting this resolved in a timely fashion or I will be forced to escalate this issue even further to the state attorney generals office and Senate level. Below are the reporting Unauthorized Fraudulent accounts that should be Removed / Deleted from my EQUIFAX credit report. Should you need any additional information please let me know. 

1 ) Reporting Unauthorized Account : XXXX Unknown Account # : XXXX Unknown Date Opened : XX/XX/XXXX Unknown Terms : XXXX XXXX Unknown Account Status : Open Unknown Payment Status : Late Unknown Balance : {$2800.00} 2 ) Reporting Unauthorized Account : XXXX Unknown Account # : XXXX Unknown Date Opened : XX/XX/XXXX Unknown Terms : XXXX   XXXX Unknown Account Status : Open Unknown Payment Status : Paid Unknown Balance : {$6300.00} EQUIFAX Attn : IDENTITY THEFT DEPARTMENT XXXX XXXX XXXX, XXXX GA XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX LOAN BALANCE IS INCORRECT. I HAVE ATTACHED A PRINT OUT SHOWING THE CORRECT BALANCE AS OF XXXX. PLEASE UPDATE THIS ACCOUNT INFORMATION.
Complaint sub-issue: Reporting company used your report improperly

The Bankruptcy court of XXXX does not have the authority to report personal information to any third parties. All consumer reporting agencies with this information have violated the Privacy Act and Title 15 USC 1681 ( a ) ( 4 )
Complaint sub-issue: Frequent or repeated calls

Repeated calls for last month. Every day we get a call from Allied Interstate at XXXX XXXX. If not at that time, we will receive a call at XXXX or XXXX XXXX. No message left. We are debt free. We feel they are looking for someone who had our phone number and is behind in payments. The company should do their homework before the place these annoying calls to innocent people.
Complaint sub-issue: Their investigation did not fix an error on your report

i am filing this complaint because XXXX, XXXX and equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra - they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.
Complaint sub-issue: Fees charged for closing account

I opened a checking account with Comerica Bank on XX/XX/XXXX and deposited a check amount of {$1000.00} within next couple of days ( weekend ). 
The bank closed my account on XX/XX/XXXX and disabled the online access. 
The deposited fund was unavailable until today XX/XX/XXXX as they notified me in the mail. They charged me for a 'return item ' fee for $ XXXX when there was no other transactions but a single mobile deposit. 
Their main customer service line and local branch was not able to explain the charge. 
A local branch let me know that a check amount of {$1000.00} with the fee deduction would be sent to me.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello - XXXX XXXX of 2016 I refinanced our mortgage and went through the normal procedures through the old and new leinholder, as well as the title company. The title company sent the funds to pay off the old mortgage and we received a letter a couple weeks later saying the loan was paid and closed. 

On my credit report they loan shows up as " Legally paid in full for less than the full balance. '' This is the only negative entry on my credit report. It shows up as a " major delinquency '' of great than 60 days. I've attempted twice to dispute it and they have refused to remove this negative item from my report. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, ( XXXX ) XXXX, is the entity that provided the payoff to the title company, which they paid. If there would have been additional money needed shouldn't they have asked for it? We would have of course paid, but when we asked they said no funds were due. 

I would like this removed from my account as it is impacting my credit score through no fault of mine.
Complaint sub-issue: Old information reappears or never goes away

According to the FCRA 15USC 1681i ( 5 ) ( B ) ( i ) ( ii ) ( iii ) once information is deleted it shall not be reinserted. There are various accounts that was deleted that has reappeared on my credit file. These accounts needs to be removed and blocked immediately. This reinsertion is a violation of my rights. 
The accounts that need to be deleted XXXX XXXX-XXXX- {$60000.00} XXXX XXXX-XXXX- {$5000.00} XXXX XXXX-XXXX- {$6800.00}
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX and I am submitting this complaint to you today to request that the remaining fraudulent items be removed from my Credit Report. I appreciate your time to REMOVE some of the information in my file that resulted from the identity theft but I have ITEMS left that need to be removed. Per FCRA section 605 the Credit reporting Agencies are required to remove any items listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. I need the dispute remaining items deleted completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Complaint sub-issue: Debt is not mine

This company was reporting debts on my credit report that were unfamiliar to me. After seeking legal council I was advised to exercise my right to request validation of the accounts pursuant to the Fair Debt Collection PracticesAct. In correspondence dated XX/XX/2015, the company received my demand for validation. This company simply ignored my request and did not bother to respond to me, concurrently they verified the accounts with the credit bureau following my dispute with the credit bureau.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was involved in both the XXXX & XXXX XXXX breach of security on XXXX & XXXX. Due to the both breaches my info was compromised & series of inquiries were placed on my report. Unfortunately, the inquiry placed on me were one of the unauthorized inquiry placed on my report.
Complaint sub-issue: Account status incorrect

On XX/XX/2022 I received a phone call from XXXX Bank stating that I was late on my mortgage payment. I told them there was an error on their end as the payment was made on XX/XX/2022 through their payment portal for the monthly amount due of {$1500.00}. XXXX Bank representative asked that I provide evidence of my bank statements and transactions via email. A detailed email was sent on XX/XX/2022 with the required evidence. On XX/XX/2022 I received a mortgage loan statement showing an unapplied balance of {$1500.00}. I sent a second email with a copy of the loan statement showing the unapplied balance and requesting it be applied to XXXX monthly payment as intended. I received no response from XXXX Bank. On XX/XX/2022 I received a credit report alert showing late payment on my mortgage loan. On XX/XX/2022 I filed a dispute with XXXX and also sent a written request to the financial institution explaining the situation and requesting they amend the credit report. On XX/XX/2022 I received the dispute resolution report showing not only late payment for XXXX, but additionally XXXX. The bank took retaliation against my dispute and reported an additional late payment for the month of XXXX thus negatively impacting my credit and my ability to obtain credit offers for individuals with excellent score. XXXX payment for the amount of {$1500.00} was made on XX/XX/2022 through their payment portal. There is evidently a problem with XXXX Bank 's payment process and/or their financial system. XXXX Bank has never responded to my requests, neither via email nor via mail.
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 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 are the accounts that are reporting on my Credit Reports : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

XXXX   XXXX   XXXX  has changed the reporting status of an account included in my  Chapter   XXXX  from discharged to charge-off. This has happened more than once over the last 5 years, but after disputing the information they changed it. I checked my credit report and noticed that the information on Equifax was just recently changed back to charge off, and I would like it fixed.     The change caused my score to drop about  XXXX  points. I 've attached a section of the report as well as  XXXX  bankruptcy document as proof. My concern is that this will be charge-off to another creditor, and I 'll be subject to further collection efforts in violation of my Chapter  XXXX  discharge.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2017 I was informed of a breech of Equifax 's service affecting 143 million users. The page they provided told me my ssn, drivers liscense, home address, name could be compromised. I have put a 90 day watch on my credit but my private data is now considered public domain.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2021 and XX/XX/2021, I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. 
Because I did not apply for credit with XXXX and XXXX, I have also reached out asking that they remove the inquiry from my credit profile. 
Please launch an investigation into XXXX and XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 
Thanks in advance for your prompt attention to this matter.