Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Im submitting this complaint against XXXX, Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent 2 round of dispute letter to XXXX, Equifax, and XXXX  to send me verification and validation of 3 charge off accounts I found on my credit report they refused to comply with my request.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX, and Equifax consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX, and Equifax consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX, and XXXX consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Experian consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 handwritten instructions. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, XXXX, and Equifax consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 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 handwritten instructions.
Complaint sub-issue: Non-sufficient funds and associated fees

I attempted to contact the bank as the charge they approved was not authorized and they charged me {$230.00}. I would like this resolved asap. This put a major setback in my life and I feel taken advantage of in this situation and by the bank.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2022, I received a call from who I thought was XXXX fraud unit. Telling me someone hacked in my XXXX account to buy a I XXXX, so he went through everything and it seemed legit, I went to this ( Looked like XXXX home page, I printedout his information from XXXX. Not knowing I was agreeing for him to remotely having access to my account. What I was seeing on the screen was not what was going on. He was a hacker that got to my bank information and bought XXXX XXXX XXXX  gift cards for less then XXXX each. I did not authorize these charges, I am a victim of identity theft and need help to get my money back. All of my savings XXXX gone and my bank thinks I authorize the amount, this has been a nightmareand Ineed help. And spread the Word to protect innocent peoplewho might be a victim of hackers. I did not authorize these changes but they made it look like I did. I need help getting my money back please help me. I called my bank immediately to freeze my account but all 7 of those gift cards went through. Why? It takes 2 days for me paying a bill and it clears. I need help getting my money back.
Complaint sub-issue: Debt is not yours

I have been receiving emails from a company called True Accord stating I owe a debt and need to pay it. The emails started XX/XX/19.
Complaint sub-issue: Funds not received from closed account

Closed and blocked on XX/XX/XXXX XXXX Amount {$3800.00} Called to 3 numbers XXXX XXXX XXXX Everyday and every week XXXX promised 3 times Didn't receive cashier 's check yet
Complaint sub-issue: Their investigation did not fix an error on your report

So all 3 Credit Bureaus continue to ignore my request for dispute by not completing a full dispute, its kind of disturbing to know how a credit bureau can complete a dispute in less than 5 days. That tells me the dispute is not being done correctly and not being done in accordance with the law and my rights. This complaint has been created because there is two issues with my credit files that keep getting ignored.

1. The credit bureaus continue to allow XXXX XXXX XXXX to report false numbers to them, I due not owe an outstanding balance or am I late or ever have I missed a payment. The loan was restructured and while it was being restructured the false numbers where being reported, I am current with XXXX. 

2. All of these fake hard inquires have appeared on my credit file I have only submitted 2 for this year not over 10 like is being shown. Only credit Inquires that should show on my file is a XXXX XXXX and XXXX XXXX that is it, The Credit Bureaus have seeked and sought to destroy my credit files by allowing these inquires to hit my report while my report was in frozen status.
Complaint sub-issue: Investigation took more than 30 days

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit buraus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report.
Complaint sub-issue: Frequent or repeated calls

They call every day sometimes multiple times. I have sent written notification to US Bank not to call. This company refuses to even provide me information on who they are or how to send them written notice to stop calling. I have medical issues that these calls cause XXXX. I have asked them to stop calling and to please just file a lawsuit. They refuse. This latest call they claimed to be US Bank. Come to find out, they are n't US Bank, they are a third party collection agency violating the collection laws. They have sent no communication through the mail identifying themselves. They refuse to give any information as to who they are and flat out refused to give me an address so that I could put them on notice in writing not to call any more. This has gone beyond collections into harrassment just for the fun of it.
Complaint sub-issue: Was not notified of investigation status or results

In XXXX of XXXX, Equifax announced it experienced a data breach and my personal information was stolen. As a victim of Identity Theft, my social security number, home address, phone number, and email was stolen and then used to obtain credit cards, car loans, and other additional loans in my name. My life has been ruined and I need help. I've reached out to the credit bureaus but received little assistance. I submitted a letter XX/XX/XXXX to Equifax, XXXX, and XXXX  but not haven't got a response. According to Section 6 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 60 days with no response. I demand all horrific inquires, collection item, closed accounts, and previous addresses to be removed or I will file for litigation due to the stress you have caused. That is not me. Please see the attached document of the letter I sent to the credit bureaus and the Equifax Data Breach Settlement given to me by Equifax credit bureaus. Please take off inquires, collection item, closed accounts, and previous addresses. Thank you.
Complaint sub-issue: Account status incorrect

In XX/XX/XXXX, I rehabilitated my default student loans account and set up a monthly payment plan. I was told to start payments immediately because I was told that after 9 months of successful payments the account would be in " good standings '' on my credit report. In XX/XX/XXXX, I reran my credit to find that no payment information was ever recorded or reported to the credit bureaus. I called the U.S. Department of Education to find out why and they said I needed to fill out a rehab form and they would backtrack everything and it would be in " Good Standings '' once they processed the signed document I returned via mail. On XX/XX/XXXX I noticed no change, so I contacted them again. I spoke to XXXX ( XXXX ), she was very rude and explained that because I never filled out the form initially, which I never received, back in XX/XX/XXXX that it would be another 30-45 days from the day they received the form on XX/XX/XXXX before it would be placed in " Good Standings '' on my credit report. Ive already been reassigned to XXXX and told not to continue payments to the US Department of Education. This whole process has just been exhausting, Especially when I never received the form initially and when i brought up their mistake I was talked down upon and forced to wait even longer for this to come off my credit.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be corrected from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX has failed to remove late payments and/or charge off information on old student loan of mine. All of my loans were discharged under the Total and Permanent Disability Discharge program and as such all of my student loan information should be removed from my credit reports. Thank you for your consideration in this matter.
Complaint sub-issue: Information belongs to someone else

Equifax is not blocking my information on a collection and inquiries that were fraudulently opened under my name. This will be my last complaint before my legal counsel initiates a lawsuit.
Complaint sub-issue: Investigation took more than 30 days

This is an formal notice that the bureau have failed to respond to my dispute letter within the 30 day investigation period. As you are aware, federal law requires you to respond within 30 days. It has now been over the period since the shipment of my letter. As you are aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. For this purpose, I have included a copy of the original request. The following items needs to be verified and deleted from my credit report immediately.
Complaint sub-issue: Trouble using the card to spend money in a store or online

Since XX/XX/2021 my US Bank ReliaCard, which is where my Oregon Child Support Funds are deposited, has been inactive due to an attempted ACH transfer that was in question. 

Back in XX/XX/2021 I verified that the ACH transfer was attempted by me, and was told that all I needed to do to unlock my account was upload my Florida DL via web portal, and that my account would be activated within 5-7 business days. I immediately uploaded the copy of my ID and my selfie, as requested by the verification site, but weeks went by and my account was still locked. 

I called back, and once again was given the same information, so I once again uploaded my ID and selfie to the portal, and proceeded to wait. After another 2 weeks my account was still locked. 

I called 4 days ago, and was told they were escalating the situation and that I would be able to call back later in the week for more info. 

I called today and was given a completely different story than what I had previously been told which was that what needed to happen is that I needed to verbally verify, once more, that the transfer was initiated by me on XX/XX/2021, then fax or upload my ID directly through my mobile banking website. I proceeded to do this immediately after getting off the phone, waited a couple hours, then called back for a status update. 

When I called back, the customer service agent was extremely condescending, laughing as she told me that there is nothing she or the supervisor could to to help me. She finally transferred me to supervisor XXXX, who was able to verify that my info was received today, and told me that I would have to wait another 5 days before my account would be unlocked. She said there is no way to contact the department who does the verification, and that I would just have to wait. 

On top of it all, when I told XXXX the supervisor about how I was treated by the other agents, she simply said she would take note of it. I told her that she needed to speak with her staff, which she just ignored. 

The problem - aside from the 6 week runaround and misinformation that Ive been receiving - is that I had done every thing that I was asked to do, multiple times, and still do not have my money, which I desperately need to pay my rent today. 

On top of that, I was mocked, laughed at, and made to feel stupid for being upset about it. 

After doing a quick web search, it seems that US Bank ReliaCard has a bit of an issue with this situation, that has been repeated time and time again for numerous customers, all of whom needed their money to survive. 

Child support, unemployment and other types of government funds are not something we receive for fun or pleasure. This is the money we use to pay our bills and live, and this kind of treatment needs to come to an end.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX I opened an account in Best Buy for a Best Buy Citi Bank Visa card. I made a purchase for 2 XXXX and XXXX protection. I paid cash after the 10 % discount was given. I can honestly say I no longer have the receipt it was XX/XX/XXXX or so. After a long period of time I received a bill of {$2000.00} dollars that was charged on my account. I called Citi Bank fraud dept right away, to dispute all charges Citi Bank Fraud rep. XXXX stated my account had been reverted back to {$0.00}. XX/XX/XXXX I receive a Citi Bank Visa card as you can see 3 months later. Now also the card is now used again in various location a Best Buy, gas station, grocery store etc etc. I once again call Best Buy Citi Bank fraud dept. Now once again they assured me my account was back to {$0.00}, and another card would be issued. While all this is going on not only did my credit score drop XXXX points over night but it also has taken a toll on metal stress and the safety of my personal information.The bank obviously has a security breach or lack of security of private information. Several weeks ago I received a call from a Citi Bank representative stating they will be charging my card for the 2 XXXX  again because it came up as a purchase near my place of residence even though fraud was committed on several stores thru out the XXXX metropolitan area. They are stating I made a credit purchase there when opening my credit card as I stated before I no longer have the cash purchase receipt. The representative was unprofessional and threatened me after I stated that I would exercise my right to file a complaint, XX/XX/XXXX I filed a complaint with the XXXX .XXXX XXXX a call from a XXXX not actual trying to resolve the issue but stating they are going to charge my account the {$850.00} on my account once again because the store charged it to my account and because it was close to my residence. She also stated that someone activated my card with my SSN and my card was delivered to my house. How XXXX is able to prove it was delivered to my residence beyond a reasonable doubt is a mystery to me. Citi Bank not only caused metal anguish, distress and inconvenience, but it also baffles me how a Bank can be so inconsiderate and so nonchalant of their security breaches, and customer care and experience.No apologies no compensation absolutely no remorse. I no longer wish to have an account with them or have any contact with them or their representatives. I wish to close my account in good standing with a {$0.00} balance and forget all this nightmare has even happened and a written apology from the bank, its not asking for to much after 5 months of going in circles. Thank you and have a great day
Complaint sub-issue: Don't agree with the fees charged

I misunderstood COVID deferrals and assumed my loan payments were being deferred but I guess my loans are not federal. Once I realized I caught the loan up. I asked if they could waive the late fees and they refused. Been paying the darn loan over 15 years and that's how they treat people?
Complaint sub-issue: Problem with personal statement of dispute

Yes, on XX/XX/XXXX, I sent a Goodwill letter to the CEO, XXXX XXXX XXXX, I explain to him that I was in a consolidation program back on XX/XX/XXXX, and my payments were being made on time, from the time that I started the program I received notices from the XXXX XXXX that my balance was 0, I was told during the program that for 1 year I would not own any money for my student loan, I never heard anything from the company that I did the consolidation with so that I could renew the program after that year. I received another statement from the XXXX XXXX company, and it showed that I owed around {$750.00} for a monthly payment, well I was in shock, I tried reaching out to the consolidation company, but with no luck, they had went out of business, I reach out to another company, but in the mean time I was going into default with my Student loans. I sent the CEO a good will letter, because me and my husband want to purchase our first home in XX/XX/XXXX, I poured my heart out to him regarding the situation at hand, now I know that plenty of people have sent goodwill letters regarding their student loans reporting late on their credit reports, and the late payments were removed from their reports. I really need this because, we may not have a chance of purchasing a home with this showing on my credit reports. I received a letter back from supposedly the CEO, XXXX XXXX XXXX, and they refuse to remove it, now if your going to do it for other people, why could n't I have mines remove as well, I 'm not trying to get out of paying, I have joined another consolidation company, and my loans are being paid as suppose to as of this date, I was just asking for a little help to get my credit looking better, I do have the letter that was sent to be regarding their decision to not honor my request, I guess what I 'm saying is show favoritism for others and if you wo n't help someone who took the time to send a Goodwill letter to you regarding needing help so my family and I can become home owners.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the accounts being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed accounts claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed accounts. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed accounts, please understand I will seek legal action. I need the accounts corrected as soon possible : XXXXXXXX XXXX XXXX  XXXX Date opened XXXX XXXXXXXX XXXX Balance $ XXXX Late Dates XXXX, XXXXXXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX  Balance $ XXXX Late Dates XXXX