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

Hi I deposited a check on XX/XX/2022, I've got a notice that my funds will be available until the XXXX of that XXXX. We'll I also got a email saying that they got confidential information saying that the check might not have funds. I called and complained bout that. I told them I would be cashing check which was something I know we can no longer do since it is signed already but I told them that. Then I asked my uncle for a loan since I had that hold, he gave me an old check he had been wanting to deposit for some insurance claim of himself. Well that was a good old check but withing the expiration dates. But soon after that deposit I had my online access blocked and said that my account will be closed after investigation itll take approximately 30 to 60 days but I on my daily notification of my daily balance which I'm still getting for checks have been cleared and they are both available for withdrawal but bank won't let me I need to pay my mortgage asap
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX Account # XXXX No investigation by the credit bureaus was done as I filed a complaint against them for this issue and they keep ignoring or pulling stall tactics and parroting what the data furnisher is responding back with the automatic response system E-Oscar the bureaus failed me multiple times and here is the proof once again they are NOT investigating anything, I never received any information on how they did the independent investigation in their own words on this compliant filed on XX/XX/2022 XXXX they said and you can go read it that this was verified as accurate the date last active is wrong on both bureaus and this is a violation of re-aging and neither one is correct who is correct? XXXX or Equifax and a violation for changing the balance by law this is not allowed and now must be removed immediately attached 2 prior consumer reports proving the violations and inaccuracy and a snippet of them saying this was verified as accurate, please tell me how this is even close to being accurate and was verified.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX  you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Debt was paid

On XX/XX/XXXX I disputed a collection company named XXXX who was a Debt Collector for XXXX the Original Creditor Date Opened ( not available ) as a collection, NO Date provided. Balance Owed {$1200.00} reported by XXXX. 

This account was REMOVED for non production of the debt within the 30 days of dispute, because I do n't owe it. Transunion will have the credit report where the company XXXX account was removed within the 30 days. 

The DEBT WAS SOLD to another collection company named AFNI and I was NEVER notified that this collection company was now assigned this debt I do n't owe. On XX/XX/XXXX this negative debt was put on my Transunion Credit report, which has negatively affected my score by XXXX to XXXX points since XX/XX/XXXX. 

I feel that this is an illegal activity under the Debt Verification Rule within the 30 days there was no proof of the debt and be sold to another collection company. There was no written documentation sent to me. The negative debt was removed and then added back under a different name without notice.
Complaint sub-issue: Their investigation did not fix an error on your report

HELLO, I WOULD LIKE TO INQUIRE ON A MAJOR ISSUE I AM CURRENT EXPERIENCING AT THE MOMENT WITH TRYING TO RECTIFY INACCURATE, INCOMPLETE AND DEROGATORY INFORMATION REGARDING CERTAIN NEGATIVE ITEMS ( ACCOUNTS ), STILL REPORTING ON MY CREDIT REPORT. I HAVE BEEN ATTEMPTING TO CORRECT THE IMPERFECTIONS ON MY CREDIT REPORT MORE OR LESS AROUND XXXX OF 2019. NEITHER OF THE THREE CREDIT BUREAUS HAVE PERFORMED A FULLY ANALYZED INVESTIGATION, ALL OF THE COLLECTION ACCOUNTS ON MY CREDIT REPORT DO NOT PERTAIN TO ME AND I AM NOT LIABLE FOR ANY DEBT WHAT SO EVER. PLEASE HELP MY INVESTIGATE THE REASON WHY THE NEGATIVE HISTORY IS STILL REFLECTING. XXXX XXXX WAS NEVER REMOVED OFF OF NEITHER CREDIT BUREAUS, WHEN I STRICTLY ADVISED THEM THAT I AM NOT LIABLE FOR ANY DEBT WITH THEM, THE NEGATIVE HISTORY IS COMPLETELY INACCURATE. XXXX XXXX IS ANOTHER ACCOUNT THAT I AM NOT AWARE OF EITHER. PLEASE ASSIST ME WITH THIS MATTER, I'D GREATLY APPRECIATE IT.
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter on XX/XX/2022 requesting the credit bureaus to investigate every detail of information reporting for the accounts I have listed in the letter attached to this complaint. Along with the attached letter are the receipts from the U.S. Postal Service XXXX MAIL. 

According to the FRCA the term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation to the law? After waiting for a response to my investigation request letter, an extensive period of 30+ days have passed and no actions or effort to respond have been made by the consumer reporting agencies. Also, every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 U.S.C 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. I also have an itemized explanation stating my balances are 100 % paid or fulfilled. Not only is the credit reporting agency prohibited to report my medical information, the reporting details are inaccurate and have caused damage to my identity alongside severe stress, pain, and XXXX personally and for my family. This is ground for removal and they have also violated my rights under 15 U.S.C 1681 ( a ) ( 4 ) States that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
15 U.S.C 1681a ( d ) ( 3 ) States the restrictions on sharing the consumer 's medical information. 
15 U.S.C 1681b ( a ) ( 2 ) Also states a consumer reporting agency can not furnish an account without my written instructions and consent.
Complaint sub-issue: No notice of investigation status/result

In complaint XXXX, Equifax wrote that they verified the date the XXXX credit card accounts ending in XXXX and XXXX were opened. I have received official correspondence from XXXX XXXX executive offices stating otherwise. Equifax has repeatedly indicated they verified the XXXX credit card accounts, WHICH THEY HAVE NOT. See the attached letter from XXXX. These inaccurately XXXX credit accounts were not investigated properly.. I have asked for full proof of Equifax 's investigations in the past and the letter from XXXX XXXX XXXX offices confirms they did not verify the accounts. the account open dates are wrong.
Complaint sub-issue: Card opened as result of identity theft or fraud

XXXX/CBNA Account Type : Charge Account Account Verfied : XX/XX/XXXX Date opened : XX/XX/XXXX High Balance {$1700.00} Debe was result of identity theft!! 

Contact with banks has not been resolved
Complaint sub-issue: Information belongs to someone else

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} I asked the credit bureaus to do an accurate investigation of the delinquencies on my account to ensure validity. The accounts are not accurate as they were not incurred by me. These are fraudulent accounts. I am requesting that they be removed immediately. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX violated my rights 1681c2. Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer.

( 2 ) a copy of an identity theft report.

( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft.

( 2 ) that an identity theft report has been filed.

( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

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

15 USC 1684 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Account status incorrect

XXXX , Equifax and  XXXX  credit bureaus continues to list   XXXX   XXXX   XXXX    XXXX  delinquency on my credit report. The listing creditors have closed accounts and requested that the credit bureau remove them from my credit report. However,  XXXX , Equifax and  XXXX  credit bureaus have failed to remove the negative listings. I have filled disputes and contacted them through phone requesting for them to remove these delinquencies. They have yet to be removed.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct 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 ( Original Creditor : ) XXXX ( Original Creditor : XXXX ) XXXX
Complaint sub-issue: Investigation took more than 30 days

XXXX VIOLATIONS : CFPB Orders XXXX XXXX to Pay {$85.00} XXXX Refund to Consumers Harmed by Illegal Credit Card Practices XXXX : The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. ... As expected, the bank will be assessed a {$1.00} XXXX penalty from the CFPB and a {$500.00} XXXX penalty from the OCC XXXX XXXX : XXXX XXXX and XXXX XXXX, toxic securities abuses, XXXX, XXXX, {>= $1,000,000} ... XXXX XXXX consumer protection violation, XXXX, FTC, {>= $1,000,000}. 
XXXX XXXX XXXX : The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. 
XXXX XXXX : The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.SXXXX Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies XXXX XXXX The FDIC says the XXXX  units violated the Federal Trade Commission Act by falsely : ... Cardholders may be due a refund for more than one violation. The FDIC will ... XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX. 
XXXX XXXX The Federal Trade Commission penalized four firms over false textile claims. ... settle charges that they violated the Textile Products Identification Act and the FTC 's ... For example, the FTC said XXXX XXXX allegedly used the terms XXXX XXXX : XXXX XXXX XXXX will pay {$360000.00} ; XXXX XXXX XXXX XXXX XXXX will pay {$290000.00} ; and XXXX XXXX will pay {$150000.00} for allegedly violating the FTC Act and the agency 's Textile Rules. 
TARGET : We received your submissions on behalfofXXXX XXXX ( " Target '' consumer deception XXXX XXXX XXXX : The bureau found XXXX XXXX violated the Consumer Financial Protection Act in the way it administered a mandatory insurance program related to its auto loans. ... As expected, the bank will be assessed a {$1.00} XXXX penalty from the CFPB and a {$500.00} XXXX penalty from the OCC
Complaint sub-issue: Account status incorrect

My Equifax credit report # XXXX dated XXXX XXXX, XXXX shows that both of the below referenced accounts were deleted from my credit report. 

XXXX XXXX Account # XXXX ( As it appears on my credit report XXXX XXXX XXXX Account # XXXX ( As it appears on my credit report ) Equifax removed them at that time and then reinserted them on my credit report without notifying me within 5 days of the reinsertion, per FCRA. I have since repeatedly disputed the above referenced accounts with them and they have not removed them again. I have an ongoing issue with Equifax not reporting all of my positive accounts, or removing my positive accounts on a monthly basis. They only re-report the accounts, when the companies report my positive accounts again. Now they have reinserted negative items that they previously deleted. Please see the attached proof of deletion.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX, I received an email notification from my credit bureau monitoring service of a negative reported event on my credit report from Citicards. I  immediately logged into my account and paid the late payment, and directly called Citicard. 
I have not knowingly requested paperless statement enrollment for my account. My expectation is to receive a mailed copy of my statement as well as a formal notification if I a payment is overdue. This did not occur on this account. I spoke to a customer service representative named XXXX on XX/XX/XXXX, who explained that my account has been enrolled in paperless statements and may have been done so inadvertently during the transition from XXXX to CITI as the Costco credit provider. 
I did not receive anything in the mail, email, or text notification that my payment was overdue. I called again on XX/XX/XXXX and spoke to a supervisor named XXXX who also confirmed that no notification or call was made to me regarding the overdue notification. This is an error in communication from Citicards system, which is a term of the credit agreement. There is no record of any notification sent to me via email, and I was not made aware until I received a negative reported event from the credit bureau. Please refer back to section 3 of the  enclosed credit card agreement guide. I was not made aware of the late fees, penalties and accumulating interest as stipulated in the credit card agreement guide. This was not communicated in either paperless via email or paper mailing, which is part of my rights as a consumer user of this card. This was verified by XXXX on XX/XX/XXXX who noted that there was no notification record in your system. Sections 3, 5, 7, and 14 were all violated by not communicating the late status as well as not providing an explanation regarding the investigations previously submitted upon the negatively reported item.

I have made several attempts to have this removed and it is a violation of the communication terms stipulated in the credit card agreement guide. It has negatively impacted all three of my credit bureaus reports, and my credit score. In light of the lack of communication regarding my account, please remove this negatively reported item from all three credit bureaus and provide a written copy of the removal mailed to me at the address above ; or I will reserve the right to pursue legal action as well as file a complaint with the Consumer Financial Protection Bureau. 
Thank you for your prompt attention in resolving this item.
Complaint sub-issue: Reporting company used your report improperly

Equifax illegitimately assumed the role of reporting information about me. I've reach out to Equifax ; in attempts to resolve their careless and reckless actions ; amicably and out of court more times than I've kept record of ; via telephone and USPS Certified Mail ( Tracking # s : XXXX, XXXX, XXXX ). Despite me proving proof of their negligence, my commands and demands to redress this matter ; Equifax purposefully continued to commit fraud. Equifax unlawfully, without my consent, without providing any type of adequate notice, or without any type of authorization from me deliberately, knowingly, illegally, and willfully used my credit card ( SSN ) to furnish allege incorrect information about me. Equifax committed aggravated identity theft against me. Their actions put me at risk further of identity theft. Equifax also willing directly violated the XXXX Finance Code, Chapter XXXX, The Consumer Credit Protection Act, The Truth in Lending Act, The Fair Credit Reporting Act and The Fair Debt Collection Practices Act, The Consumer Financial Protection Act, The Fair Credit Billing Act, The Dodd-Frank Act, and The Uniform Commercial Code. Equifax admitted to my claims by attempting to redress this matter with monetary compensation of {$5.00} ( XXXX XXXX XXXX XXXX  cents Via Check # XXXX ) which is insufficient in comparison to the damages they've caused. Due to Equifax lawlessness I've suffered severe financial injury and grave mental turmoil. I've been denied extensions of my own credit in excess of well over {$100000.00} ( XXXX XXXX XXXX Dollars ).
Complaint sub-issue: Can't use card to make purchases

I used the CITI credit card on XX/XX/XXXX and made a payment of {$10000.00} and several other smaller payments amounting to {$10000.00}. I paid the credit card in full on XX/XX/2021 and the money was taken out of my bank immediately. I have not been able to use the card and have not had access to my funds since. I called and i was told i have to wait until XX/XX/XXXX. Meanwhile i have been humiliated every time i have tried to use the card being told i have insufficient funds. 

Citi had no problem taking the money immediately but now it wont give me access to my funds
Complaint sub-issue: Their investigation did not fix an error on your report

After numerous disputes between XXXX and XXXX of an alleged missed auto loan payments dating from XXXX with XXXX XXXX XXXX XXXX ( WFDS ), and recorded with Equifax, XXXX, and XXXX XXXX CRA 's XXXX, I sent a series of letters to XXXX from XXXX to XXXX demanding under XXXX XXXX XXXX and FDCPA XXXX ( XXXX ) ( XXXX ) ( XXXX ) that it provide verifiable evidence bearing my signature that this auto loan missed payment record belonged to me. XXXX and the CRA 's continued to claim this record was " verified, '' and never provided me the proof of such verification as I required and supported under the FDCPA laws stated herein. Thus, I filed a small claims lawsuit against XXXX in XXXX to force it to delete the record from each credit bureau as well as pay me the maximum allowed under the laws of Arizona -- {$3500.00}. XXXX subsequently lost this case on XXXX/XXXX/XXXX due to insufficient evidence to support its case, and thus showed an inability to provide verifiable evidence to the court of this record. Final court documents stating the amount owed to me, the Plaintiff, and a legal request to delete the record were provided to the President 's Office for XXXX in XXXX, NC, its Credit Bureau XXXX XXXX XXXX, as well as each CRA on XXXX/XXXX/XXXX. XXXX has subsequently deleted the record. However, Equifax and XXXX have not. I received a response from the XXXX Credit Bureau XXXX XXXX XXXX dated XXXX/XXXX/XXXX that stated, " The record was verified. '' Both Equifax and XXXX claim the same statement in spite of receiving court documents requiring the record be deleted. XXXX has a legal court-ordered obligation to delete the record with each CRA as well as pay the lawsuit fines as ordered by the XXXX XXXX XXXX XXXX -- period!
Complaint sub-issue: Their investigation did not fix an error on your report

My credit score with 03 credit bureaus agency XXXX, Equifax and XXXX don't grow enough Although I don't have any existing debts and my payment history on time since XXXX which I should have a better score than I currently has, I don't have any payment for credit cards or car loan that is late nor I owe money to any credit card or Mortgage company. 
all my previous old credit card since XXXX was settled in full therefore I'm disputing all the negative records on my credit profile, I never been contacted by any agency that I owe them money. 
my question is why my credit score never increase however I have great payment history.
Complaint sub-issue: Reporting company used your report improperly

i did not consent to or benefit from the following information XXXX, Equifax, and XXXX listed on my consumer credit report, block and remove the following Account : DEPTEDXXXX Account # XXXX, Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed excluded from from a consumer credit report, if a social security card was used in the transaction. Additionally under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results come back as verified or accurate, understand that under the exclusion section you're not supposed to include factual information and they're supposed to interview my neighbors, friends, or associates. If the accounts not removed you're civilly liable for reporting the information and it's also inaccurate.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I sent a letter regarding an accurate in unknown things on my credit report. To this day over 60 days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section ( a ), its is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted properly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.