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

on XX/XX/XXXX I opened up a market savings account I opened it cause of the good apy that was offered anyways XX/XX/XXXX deposited {$100.00} XX/XX/XXXX deposited {$7500.00} and XX/XX/XXXX deposited {$150.00} I have a total of {$7700.00} that discover is trying to steal from me they frozen my account on XX/XX/XXXX I have been trying to call them without no success I have been trying for over 4 days now I get put on hold for 3-4 hours and then they hang up on me All my money is in that account and I couldnt even have access to my money I had no way to pay for rent or buy groceries I also have XXXX and couldnt even get my medication this has put a big hazard in my health and life so I had to get a {$3000.00} Loan just so I can keep a roof over my head and medication that is over {$700.00} something needs to be done about discover they have taken money from others as well I also had to sell some of my things in order to finish paying off my bills I have all proof of shut off notices and deposits into the account this bank is the worse
Complaint sub-issue: Problem with personal statement of dispute

I paid a debt on my credit in full on XX/XX/2022 for {$900.00}, but transition and Equifax were showing it still has a balance of {$170.00}. It also has an incorrect date this account was opened. I submitted disputes and they just sent me the results saying it's accurate. I have receipts and a letter from the creditor showing otherwise.
Complaint sub-issue: Their investigation did not fix an error on your report

PLEASE SEE ATTACHMENTS. EACH TIME I SUBMIT A COMPLAINT, EQUIFAX REFUSES TO INVESTIGATE BY SUGGESTING THAT I AM NOT SUBMITTING THE COMPLAINT ON MY BEHALF. I SUBMIT COPIES OF MY DRIVER LICENSE, LEASE, PROOF THAT MY INFORMATION HAS BEEN COMPROMISED ON THE XXXX/XXXX  WEB, ETC AND STILL NO INVESTIGATION. I HAVE COMPLIED ALL OF THIS DATA AND WILL ALSO BE SUBMITTING IT TO THE STATE ATTORNEYS OFFICE FOR FURTHER INVESTIGATION. 

EQUIFAX IS VIOLATING FCRA PRACTICES. THE FRAUDULENT XXXX XXXX ACCOUNT WAS ONCE DELETED AND ADDED WITHOUT PROVIDING ME WITH REQUESTED VERIFICATION OF OWNERSHIP. ADDITIONALLY, THE XXXX  XXXX XXXX  IS NOW REPORTING ON MY ACCOUNT AS A " NEW COLLECTION ''. 
AS SUCH, PLEASE DELETE THESE FRAUDLENT ACCOUNTS FROM MY REPORT IMMEDIATELY. AND AS FOR THIS NEW COLLECTION, I HAVE NO IDEA WHERE IT IS COMING FROM!
Complaint sub-issue: Information belongs to someone else

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. The accounts that are not mine which should be deleted.I had very good credit, limited debt, and paid most or all of my accounts on time. I have always been very responsible about my credit. The fact that numerous accounts are suddenly on my credit, opened at the same time period and which are all in default, should make it obvious that these accounts are not mine and never were.I believe that personal info was used by some one else to open this account. I am a victim of identity theft. Federal law requires you to respond within 30 days, yet you have failed to respond. Failures by credit reporting agencies to comply with these federal regulations are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445, you may be liable for your willful non-compliance.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Citibank XXXX XXXX XXXX, in XXXX XXXX, SD, XXXX will not acknowledge the fraud, Identity, and credit card theft of my Citibank XXXX credit card on XX/XX/2020. This fraud occurred while I was on a website XXXX XXXX XXXX chatting with a subcontract chat person working on the site. Unknown to me, she was part of a scam group that tells visitors ( me ) to download a program called " XXXX. '' The scammer says to download this program required to have a group chat, which I did. However, the program is actually ( unknown to me at the time ) is a computer troubleshooting application for technicians to enter one 's computer to solve hardware issues remotely. While I was chatting with the person, she was able to enter my account at the internet site without my awareness and stole my credit card. At that time she purchased several large amounts of " tokens '' ( totaling XXXX tokens in about 30 minutes! A breakdown of the valid and fraudulent tokens posted to her account was listed on the site. Note, most tipping by chatters is approximately 15 to 20 tokens per 20 minutes. The perpetrator then posted the tokens to her account for her profit, charging my credit card {$3600.00}! I have not paid this charge. Because of interest accrued, the amount now due is {$4100.00} per the XXXX Citibank statement, as of the closing date of XXXX XXXX, 2020. My credit rating dropped over 100 points because I will not pay the fraudulent charges! Citibank has given various inconsistent reasons why I am responsible, over several months, all of which are completely incorrect because of their refusal to accept the charges were fraudulent. They state I was aware of the intrusion (! ), and I charged this amount for a service obtained. In actuality, I " tipped '' the person only {$9.00} ( XXXX tokens ) for a chat interaction over a period of about one hour. No other tips were given! I am angry at Citibank because this group will not reverse the charges. Citibank has not followed the credit card fraudulent pertaining laws, nor have they followed their policy of not charging a credit card consumer when there is fraud involved on a credit card!!
Complaint sub-issue: Account information incorrect

In early XX/XX/XXXX I received a notice from XXXX XXXX that my account was closed sue to a payment that was " returned due to Customer Advises Not Authorized ''. The letter was datedXX/XX/XXXX. I have two homes and this mail was sent to my home that I was not back to until early XXXX. Normally my mail is forwarded but this letter did not arrive at my alternate address. I had no idea the payment was declined and not authorized. While I was traveling in XXXX my Bank declined several charges on my account because of transactions that were out of my pattern of spending. I had no idea this payment had been declined. As soon as I got the notice I called XXXX to pay the full balance to avoid a bad report on my credit. On XX/XX/XXXX they accepted a phone payment of {$370.00} to pay the balance in full. This transaction is on my Bank Statement as being processed by XXXX XXXX XXXX on XX/XX/XXXX and they assured me it would not reflect negatively on my account. Subsequently I was contacted by XXXX XXXX XXXX. I explained the situation and they said I still had to pay them because the account had been turned over to them to handle. I order to settle the matter I paid XXXX the {$370.00} by phone onXX/XX/XXXX. That is reflected on my Bank statement onXX/XX/XXXX. As you can see I paid this balance TWICE! I thought the matter was settled until I recently applied for a credit card - the first time since this incident. I was turned down and got a copy of my credit report and discover that XXXX is reporting my account as " Charge off '' but the details show the {$370.00} was paid. In another area they report " Purchased by another lender ''. XXXX shows the account as paid and I have a letter from them stating that it would be reported as paid and closed. When I talk to the XXXX they refer me to XXXX. They have nothing in their records until I press the matter and ask for a supervisor - they they find the details and refer me to XXXX. When I talk to XXXX they refer me to XXXX. I have paid this account off twice and should not have it on my Credit report that it was charged off. I have made two disputes to this to no avail and have started another. I have supplied XXXX with all of the information. XXXX is NO HELP AT ALL.
Complaint sub-issue: Trouble with how payments are being handled

My loan servicer is Great Lakes Loan Servicing. Upon timely applying for renewal of my income based repayment, Great Lakes sent an email to my wife to confirm that she was also receiving income and to sign a form. This email went to spam. All other information was timely provided, including all needed information to process my income-based repayment request. Instead of approving the request or otherwise reaching out, Great Lakes immediately capitalized over {$10000.00} in interest and would not remove it when I provided evidence that the requested information was timely filed.
Complaint sub-issue: Their investigation did not fix an error on your report

i have made several attempts to resolve incorrect items being reported to Equifax. i have asked them to provide me with proof on how these accounts were verified as 100 % accurate and that they belong to me. i asked them what method of verification was used and in addition, to provide me with a legal and binding contract that bears my signature to the following accounts : 1.XXXX XXXX- XXXX 2. XXXX- XXXX 3. XXXX- XXXX 4. XXXX- XXXX
Complaint sub-issue: Debt is not yours

I repeated told IQ Data International on phone calls that the debt that they were attempting to collect was not mine and that the burden was on them to find out. I then mailed them in early XXXX proof of a lease agreement that the debt is not mine. I sent this mail certified. They had till the XXXX of XXXX to remove the debt from my credit report. 
The debt is still on my credit report
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I spoke Equifax about an dispute I have with an account. I sent information that proves tn sate law validates my dispute ( landl ord tennat act ) .I asked Equifax to prov ide me with details as to how the company carried out a reasonable investigation as per FC RA sect611. I ex plained the law required the reporting agency to do a reasonable investigation at my request. Equifax explained they have no regard for the law. I was told the company does not investigate but sends the dispute to the credit collection company to verify. I explained that this is a violation of sec 611. Equifax, was very negligent and has not regard  for Federal Law.
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft, and have been fighting with CRAs trying to get fraudulent information removed from my credit report for many months now, most items of which have now been removed. However, I have informed LexisNexis many times of the issue, and have been ignored multiple times. I have mailed my documents in on XX/XX/19 ; XX/XX/19 ; and faxed them in on XX/XX/19 to no avial. Every time, I call the representative on the line informs me that there is no paperwork and nothing can be done.
Complaint sub-issue: Investigation took more than 30 days

I disputed a number of accounts with all three of the major bureaus in XXXX of this year. I requested a number of things to be corrected or deleted and I have still received nothing and it is now XXXX which is 4 months later. This is completely unacceptable and I will be attaching every letter that i sent as well as proof of delivery to each bureau as i sent my letters certified mail. Under the FCRA this is a major violation and I demand all items removed immediately.
Complaint sub-issue: Didn't receive enough information to verify debt

I closed my account with XXXX and paid my account in full. They never explained or let me know about any equipment I needed to return. I also bought my own router too, I thought I did n't need to return anything since they never mention it. I 'm not sure what is the equipment they are charging me for, and why in the whole would they sent this account to a collection agency if it had been only 3 weeks, no 3 months, but 3 weeks since I closed my account. What is this? A pay back because I closed my account with them? I am in the process of buying a house, the least thing I want right now is some account collection showing on my credit report.
Complaint sub-issue: Deposits and withdrawals

Made a deposit XX/XX/2020 {$420.00} Funds are still on hold as of XX/XX/2020 Bank refuses to lift the hold.
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az. XXXX XXXX XXXX Equifax Disclosure Department, XXXX XXXX XXXX, XXXX, GA XXXX To whom it may concern, I XXXX XXXX XXXX XXXX I am now asserting my rights pursuant to 16 CFR 433.1 - 433.3 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 
16 CFR433.1 ( b ) consumer or natural person who acquires goods for personal, family or household use.

Under 15 U.S. code 1681b- premissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) any consumer reporting agency May furnish a consumer report under the following circumstances and no other : In response to the order of a count having Jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a federal guru jury. 
in accordance with the written instructions of the consumer to whom it relates. 
Title 15 USC 1681 ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ; and additional Equifax is in violation of 15USC 1681a ( 2 ) ( b ) ( D ) as the accounts listed below should be exculded from the consumer report.

I, XXXX XXXX XXXX Never gave Equifax any written consent per request above law to report ANYTHING on my consumer report. Consent was not given to report my personal identity information which is identity theft 12 CFR 1022.3h. A copy of the law is attached with this dispute letter.

Concerning the accounts listed below as a consumer I'm demanding a deletion of these accounts.

1. XXXX XXXX XXXX - {$1700.00} OPENED XX/XX/XXXX, {$0.00} XX/XX/XXXX 2. XXXX  XXXX XXXX - {$1000.00} OPENED XX/XX/XXXX 3. XXXX XXXX - {$560.00} XX/XX/XXXX, {$0.00} XX/XX/XXXX 4. XXXX XXXX XXXX - {$2500.00} OPENED XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX OPENED XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX {$0.00} XX/XX/XXXX XXXX A.R.S. Rules of Civil Procedure, Rule 80 Formerly cited as AZ ST RCP Rule 58 ( e ) Rule 80. 
I XXXX XXXX XXXX XXXX declare under penalty of perjury that the foregoing is true and correct. Executed on XX/XX/XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I contacted all 3 credit bureaus and started initiating disputes. I pulled my credit report only to find to my surprise that some has been using my credit, I was slightly successful at getting some inaccurate info removed but there are more items and inquiries that need to come off. I 've always paid for most of items in cash and only financed TWO cars in XXXX and XXXX. I really need ALL INACCURATE information as well as INACCURATE INQUIRIES removed as I 'm trying to purchase my FIRST home by XXXX and these items are SERIOUSLY affecting my credit. ALL Credit Bureaus are also violating the laws by keeping the inaccurate info on there and NOT ACTUALLY VERIFYING it belonging to me. Plus they refuse to provide me with PROOF ; saying you contacted them via phone or email IS N'T PROOF. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If they do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all  unverified accounts must be promptly deleted. Therefore, if they are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

XXXX : XXXX XXXX XXXX and XXXX XXXX ( Inquiries : XXXX XXXX XXXX, XXXX XXXX, XXXX, and XXXX ) Equifax : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Inquiries : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX : XXXX XXXX and XXXX XXXX ( Inquiries : XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX )
Complaint sub-issue: Investigation took more than 30 days

sent ftc violation and police report and still has not removed all items
Complaint sub-issue: Information is missing that should be on the report

Thought I already paid it off
Complaint sub-issue: Debt was result of identity theft

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

CONNS XXXX Date Opened : XX/XX/2015 Balance : {$810.00}
Complaint sub-issue: Account status incorrect

My wife and I purchased a XXXX XXXX XXXX from XXXX XXXX in XX/XX/XXXX, at some point after signing the documents the financing of the vehicle was turned over to XXXX XXXX, in early XXXX, XXXX XXXX reported a payment as more than 30 days late despite the problem being their fault. Specifically, my wife paid the bills through her account including the car note. My name appears first on the paperwork, but also includes my wife nevertheless, one payment was processed by XXXX XXXX in my name, but through my wife 's account at XXXX XXXX XXXX, where I do not bank. The payment came back stating that the account could not be located. When my wife received the email from XXXX XXXX, I called them immediately about the issue. During the phone call the CSR stated that they had processed it in my name, and stated that despite this being their fault, it was going to show up on our credit report. Thus, I contacted the bureau to dispute the accuracy of the account. The Bureaus, reported it as disputed but did not include my personal statement, and did not contact my wife and I about the results of our dispute. We were coming out of Bankruptcy and trying to buy a home through HUD 's " XXXX XXXX XXXX XXXX '', this was a barrier that could not be overcome. We tried to get a pay-off from XXXX XXXX, but they refused to provide us with a pay-off. We went to the dealership to get rid of the car and was told they would get the pay-off. We ended up purchasing a XXXX XXXX XXXX, putting down {$10000.00}, which changed to {$16000.00}. Because of air quality problems with the car we did n't want to take possession of the car until we moved into our new home the dealership and us agreed to allow this and we insured both vehicles, since the papers were signed and down payment was paid by cashier 's check, we thought the deal was fully consummated receiving our account number with the new bank XXXX XXXX, and speaking with them several times. We still do n't know exactly what is going on, but XXXX XXXX filed suit with our XXXX XXXX in Pennsylvania. But even prior to the suit we paid the account current to avoid any problems with the deal for the new car. We were forced to file bankruptcy as we did n't know what was going on and money was running low. So we contacted the attorney for XXXX XXXX about the payments and the dealership and XXXX XXXX. The lawyer told us that she was no longer on the case and that we should contact XXXX XXXX directly. We contacted both XXXX XXXX and XXXX XXXX. XXXX XXXX either blocked us from calling or changed their number, while XXXX XXXX keeps saying that our account is handled by someone else the number given no one ever answers. Despite all of this they keep reporting our account as delinquent not acknowledging our payment, although they have accepted it. They have not returned the payment either. When my credit scored dropped is essentially put my XXXX XXXX on hold and we stand to be homeless in a matter of 5 days.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681 & Fair Debt Collection Practices Act 15 U.S.C. 1692, EQUIFAX, has violated my rights.

Under the civil liability and the remedy available to me ( Section 616 & 617 ), EQUIFAX, failed to comply with Federal Law and because according to the FCRA consumer law which I should be compensated {$1000.00} per violation in accordance to FCRA as follows : 15U.S.C 1681 section 602 A. States I have the right to privacy which was violated. 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 which was violated. I havent given these accounts written permission to furnish
these accounts on my credit report as well!

15 U.S.C. 1681s-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 which was violated.

Additionally, in EQUIFAX initial investigation which I stated to EQUIFAX, they did NOT provide 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, EQUIFAX have failed to provide the method of verification as required under Section 611 ( a ( 7 ), which they were advised that under Section 611 5 ) ( A ) of the FCRA, they are required to promptly DELETE all information which can not be verified, if not, compensation will be {$1000.00} to me per violation in accordance to FCRA as the violations cited previously.

EQUIFAX have violated my rights even more. In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. EQUIFAX, stated my account was properly investigated but how is that possible if the date opened, last reported dates, date last active, payment histories, account types, payment status, date of last payment, show inaccurate information from report dated XX/XX/22 and XX/XX/22 and " still '' showing same inaccurate information reported ( see credit report screenshots ). 
This is grounds for REMOVAL!