Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

THIS IS MY THIRD COMPLAINT. 

XXXX IS CLAIMING THE SUBMISSION COULD NOT HAVE BEEN SENT BY ME THE FIRST TIME. 

IN MY SECOND COMPLAINT I SUBMITTED MY DRIVERS LICENSE AND SOCIAL SECURITY CARD WITH CONFIRMED ADDRESS. 

MY DRIVERS LICENSE AND SOCIAL SECURITY CARD ARE ATTACHED BELOW ALONG WITH THE 6 LETTERS SENT OVER THE LAST 12 MONTHS TO XXXX. 

I Have tried to dispute the incorrect information with the Credit Agency 's with little to no progress.

I began the process in XXXX of XXXX and as of XX/XX/XXXX the disputed issues that I contested are still on my credit reports. 

After ordering my detailed credit report, I disputed the records with both the issuing company as well as the credit agencies them selves. The debt agency and creditor bureaus were unable to find any information proving the accounts were mine as required by Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A of FCRA. One of the accounts in question was opened at a location and time in which it would have been impossible for me to authorize.

After Writing 6 separate letters to each credit bureau, I have been unable to receive a solution to my issues. I have asked several times for proof of the account as required by Section 609 and 611. The credit bureaus and the supposed debt and credit companies that issued the disputed items have not been able to provide any  relevant information regarding the validity of the account. A number of the accounts disputed have no relevant account history, or history that began after my original dispute was filed after XX/XX/XXXX. Many of the accounts have missing information for several months. None of the accounts have been verified with the required supporting documentation. 

I wrote the dispute and follow up letters by hand over the last 11 months and mailed them with Registered/certified postage. I have copies of all letters and correspondence to and from the credit bureaus attached to this complaint. 

IDENTIFICATION ATTACHED BELOW.
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 have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Charged too much interest

I have been trying to have a kind of Loss Mitigation alternative for my Discover Credit Card since hurricane Maria, back in 2017. They have no alternatives available at all! They just deferred some of my payments but charged me high interest fees. I continued my paynents with a lot of struggle. My minimum payment is almost a car payment. {$350.00} and I stopped using the card for years.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020, I mailed a letter about inaccurate accounts on my credit report. It has been 60 days and I still haven't received a response
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Dear Executive Office President, I currently have an active account with you and I recently noticed my credit line decrease. I'm was extremely shocked and surprised when I checked my credit report today discovered that your company ran an unauthorized report on me on Today ( Tuesday, XX/XX/2020 ). 

As I mentioned to several of your representatives today, I did not authorize such an inquiry and demand that you contact all the 3 major credit bureaus ( XXXX, XXXX, andXXXX  ) immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report. I know that the FCRA states that the only purposes for pulling it in
someones credit report are : a firm offer of credit, insurance, court order, or employment ( which I DID NOT authorize neither of them ). I ask that you provide me with any signed documents OR proof that will prove this was authorized by me and if you are not able to I demand you to remove this as it is affecting my scores.

Thank you for your prompt attention to this matter.

Sincerely, XXXX
Complaint sub-issue: Attempted to collect wrong amount

I have an agreement with Jefferson Capital ( represented in XXXX XXXX by XXXX XXXX Consumer Debt Management ) to complete the payment of a debt. From XX/XX/XXXX this company wo n't accept the payment and today this company call me back ( XXXX ) to say that the agreement is not valid and I will pay another amount. Eliminating the agreement without any valid reason. I have all evidence of payments and agreement.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying to have a fraudulent inquiry removed from my Equifax report since XXXX. I have contacted both Equifax and XXXX XXXX XXXX XXXX XXXX about having this removed, and they both blame each other for it being there. I have the document sent to XXXX XXXX XXXX XXXX XXXX, and the listed times I contacted Equifax.
Complaint sub-issue: No notice of investigation status/result

I have I submitted XXXX letters to the credit reporting agency asking for verification of account and how the verification as obtained. All letters were sent certified. I am questioning FCRA 611 nd FCRA 609 process. 
To date I have not received any reply to by letters sent certified on XXXX XXXX 2015 and XXXX XXXX 2015 certified. The Credit reporting agency has refused to reply and provided proper documentation for the records I listed in the correspondence and remove the items since not reply was provided. All copies of the letters and certified mail receipts are attached.
Complaint sub-issue: Debt was paid

I tried reaching out to the furnished to remove late payments because they are hurting my credit and I received no reply. Furthermore, I reached out to the credit bureau ( XXXX ) to just delete the profile from my credit since the furnished refuses and the credit bureau refuses. There is no balance owed on the account. Account is paid in full.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Problem with rewards from credit card

A few weeks back, when I logged into my Citi XXXX points center ( XXXX ), I found that the total balance of the XXXX points is less than what I remembered a few months ago. However, after checking the point history, I could not find any point deduction activities listed. That's when I called the Citi bank customer service and asked for an clarification. I have waited a long time on the call and the customer service eventually came back and mentioned to me that XXXX XXXX  points ( which equals to ~ {$1600.00} in travel credits ) were forfeited from my account. However, she couldn't find the reason behind it and asked me to call back in a few business days. I did call again today and wait a long time before the customer service told me that he still does not have an answer, and the original request seems to be closed? I was so frustrated since this is a large chunk of points which I have accumulated over the years. I have been saving it so I can use them when I need it. Since he mentioned if I have closed any accounts in the past few months, I did a deep dive into my online account and found that one of my credit card ( ending in XXXX ) was closed 5 months ago ( XX/XX/2020 )! However, I did not request Citi to close any accounts for some time, and received no communication regarding this closure at all! It was in mid- XXXX and just the beginning of the pandemic. Everything was in chaos and I was moving from XXXX to XXXX during that time, which Citi can check in their system for my address change request. I was curious about the timing when Citi closed my account - is it related to the pandemic? I still have a job and was considered risky? What made me frustrated and being deceived is that there was no communication and the only way I found it today was through the communication center inside my online account. This is totally unacceptable, and should not be the way Citi treats its customer. I have been with Citi for 7 years now and never missed a payment. I had that card for more than 5 years and all the XXXX XXXX  points were accumulated one by one when I was trying to save for my dream vacation! I felt so XXXX  and would like citi to reinstate my account ending in XXXX and restitution of all my XXXX  points. Thank you!
Complaint sub-issue: Information is missing that should be on the report

I contacted Equifax to dispute 3 accounts with no creditors listed that were reporting on my credit file with Equifax. They were informed about the missing information on several occasions beginning in XX/XX/XXXX/XX/XX/XXXX & again from XX/XX/XXXX to XX/XX/XXXX. 

The accounts are as listed : XXXX for {$220.00} XXXX for {$240.00} XXXX for {$120.00} After disputing these accounts with Equifax they sent a report that stated all the accounts were verified but haven't stated who the credit is supposed to be not even a Name or Address of the creditor 's who I supposed to be in debt with. 

All accounts that are listed are violations for that reason so I would like for those accounts to be immediately removed from my credit file and to receive an updated credit reflecting those changes.
Complaint sub-issue: Account status incorrect

Equifax should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureau to fix this however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report.
Complaint sub-issue: Bounced checks or returned payments

On XX/XX/2022, XXXX payments were presented against my account, which resulted in an overdraft on XX/XX/XXXX. The overdraft was - {$1200.00} ; however, these payments were returned. On XX/XX/XXXX, I received a communication that my account was frozen until I deposited {$1200.00}. On XX/XX/XXXX, {$2500.00} was electronically transferred into my account. From this point forward, my account showed an available/on deposit positive balance when logged in. On XX/XX/XXXX and XX/XX/XXXX, debit card transactions were processed. Today I discovered that an ACH payment to a credit card for {$380.00} was returned because my account is frozen. I am confused because a {$2500.00} deposit was made on XX/XX/XXXX, more than what was needed to unfreeze the account. Two debit transactions have been processed since then. I was told that because the two payments returned on the 3rd could be re-presented, I would need to deposit {$190.00} to cover these potential debits as well as the most recent payment I made -- I made this payment because I was unaware that my account was frozen, having received no further communication after making the deposit. I was not instructed of anything more after complying with the deposit request. 

I asked that a stop payment be put on the sole check of {$1000.00}, which had been returned on XX/XX/XXXX, to guard against it being re-presented. This check is what overdraws everything. Even with doing this, I still need to deposit enough funds to cover this check even though it will be stopped. 

The irony is that if that check had been re-presented, I had enough funds to cover it, but since my account was frozen, it did not go through, and I had no idea. I don't understand why they didn't do their normal process of paying everything and just returning the check instead of freezing my account. 

As a result of the freezing of my account, the two additional credit card bills I paid out of this account yesterday will be returned. I would not have made payments against this account had I known it was frozen. Now I will be subject to three credit card fees and potentially worse.

I am experiencing economic hardship, and Citibank has only worsened my burden. They have opaque and capricious policies, which are not made clear to the customer. When I can, I will shut down all my accounts with Citibank. I became their customer through acquisition -- the bank where I was a customer was a local one they bought. I chose a local bank to avoid this level of callousness.
Complaint sub-issue: Investigation took too long

per Equifax I have spoke with a agent snow and a supervisor by the name XXXX on XXXX/XXXX/XXXX around XXXX we spoke clearly of a account XXXX which is labeled to be XXXX this XXXX has appeared on my credit years back maybe XXXX perhaps in which i called them directly and they removed it off and Equifax also sent me a letter in the mail that I no longer have stating that this item has been removed. XXXX stated that she was going to put me in a system to block that information due to the information that I had provided to her with my story of what happened. I called yesterday XXXX/XXXX/XXXX and I was told by an agent that she received my police report I have filed through the XXXX department and I asked about the XXXX item and she stated it is in dispute not removed. XXXX stated it would be moved in XXXX72 hours why was n't it removed. if she would have said it would be a dispute than I know it could take up to 30 days but she clearly stated it should n't be there and she will get it removed. all the agents said they cant do anything cant even find XXXX. Equifax is getting my information or if they are a fraud company who works for the creditors I sent in mail letters, identification etc they have n't received that information this was last month on XXXX/XXXX/XXXX and up till this day of XXXX/XXXX/XXXX they still do n't have it what is really going on. per section XXXX in the Fair Credit Reporting Act if a person is a victim of identity theft with proven documents the bureau has four days to investigate to remove or block fraudulent or negative information. I have waited past 30 days prior to the police report filing I called multiple times asking for help and answers im always getting miss information and the run around. I 've been working with the sheriff department to dispute and get help during this hard time but Equifax does not care that I 've been a victim nor do they care of me providing the correct documentation their job is to blame someone it seems. I 've waited long enough and I want results there should n't be an excuse for this this is a major bureau company and its unacceptable. they provided me with multiple case numbers some for my name in which I never called in about I sent my id etc.. at this point this company is all lies and does n't do what needs to be done to help a victim of identity theft. In a bad time like this they try to sell me products instead of holding back knowing im a victim of identity theft its all about the money I feel that is very rude and not professional. Agents all the way to the management are just selling products vs helping you with what is truly going on.
Complaint sub-issue: Information belongs to someone else

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX/XXXX   Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX   Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it XXXX that you have on file for the account listed. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/18 I placed an item on my Equifax credit report in dispute. On XX/XX/18, I was notified to login and check on the status of the dispute. Today is XX/XX/18, and I have tried every day since XX/XX/18 to login and can not access their status check or my credit report. I have logged into my account, but can not retrieve any additional information. I have done an online chat two times without any success, most recently today, and have called their customer service number only to be told that they can't help me. How am I to be able to monitor my credit report if I can't retrieve my credit report from Equifax or see any dispute resolutions? This is unacceptable that a company can hold such a monopoly on my credit information without providing any assistance or resolution to inaccuracies.

No one wants to do anything about this heinous company. Equifax has gotten away with erroneous credit reportings for years. As a consumer, I should be able to see my report and fix any inaccuracies, but I can not. How to you let Equifax continue to get away with this? I have had issues with them over the years. XXXX  and XXXX  at least resolve the issue. Equifax does not care, and until the CFPB or someone holds them accountable to the consumer, they will continue to treat consumers in this way. Help!
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2022 I used a XXXX XXXX XXXX ATM located on XXXX XXXX in XXXX Ma. I attempted to withdraw {$200.00} from my Cashapp account. The ATM did not dispense the money but instead a receipt stating the ATM encountered an error and the transaction had been reversed on their end. Upon checking my cashapp account the funds were debited from the account in the amount of {$200.00}. I reached out to both companies and XXXX XXXX XXXX was extremely helpful even having an ATM technician call me on the following Saturday. Since the account itself was not a cashapp and the transaction was already reversed on their end there wasn't much they could do beyond that. Cashapp on the other hand, did not even have a customer service phone number and only offer support through a chat service. The chat service was frustrating to say the least. It was hard to determine if I was speaking to a robot or staff that really didn't care about my situation. At the end of our conversation I was told a ticket for the transaction had been submitted and escalated. I was told it could take up to XXXX calendar days to refund my money. I explained how XXXX dollars is a lot of money for a single mother of XXXX and waiting XXXX days to recover my funds was going to impact our livelihood. I asked why it would take so long when the transaction was already reversed by the ATM. Each time I got a generic automated reply asking if there was anything else I needed help with. With no other options I have waited the alloted XXXX days and have not been reimbursed or even contacted.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do a verification of everything on my credit report. They did and stated everything was accurate. However, I did a thorough research and found improper inaccuracies on my report after they did an investigation. XXXX XXXX, XXXX, XXXX, Equifax mortgage, XXXX Bank, M XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX as inquiries on my report. In accordance with the Fair Credit Reporting Act, XXXX. XXXX XXXX, XXXX, XXXX, Equifax mortgage, XXXX Bank, M XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Was not notified of investigation status or results

I have been sending disputes to Equifax in the mail for over 6 months. In these 6 months I have not received one response back regarding my disputes. I also sent requests for debt validation ( per FDCPA ) to XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX and they did not respond with the documents that they were supposed to provide. XXXX and XXXX removed the incorrect information from my credit reports but, Equifax refuses to even complete a dispute and sent me one letter back!