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

On XX/XX/XXXX, I sent a Certified Mail letter to U.S. Bank National Association, issuer of my U.S. Bank Secured Visa credit card, requesting that the Visa account be closed. The Visa credit card was enclosed with the letter. At the time of the letter 's mailing, the Visa account had a balance of {$0.00} and the Secured Savings Account ( securing the Visa card ) had a balance of {$1800.00}. 

On XX/XX/XXXX, U.S. Bank sent me a letter stating : 1. " Your account is currently closed. '' 2. U.S. Bank had started a holding period of 32 days on the account to allow " ... time for all transactions to post. '' 3. The account " ... will be reviewed on XX/XX/XXXX ... '' to determine whether or not any of my Secured Savings Account balance of {$1800.00} would be returned to me. 

Finally and as of today, XX/XX/XXXX, the online account page shows the " Available Credit '' to be {$0.00} and the " Current Balance '' to be {$0.00}.

In summary, U.S. Bank : A. Is in possession of the Visa credit card.

B. Has closed the Visa account.

C. Has set the " Availble Credit '' to {$0.00}.

D. Shows the " Current Balance '' to be {$0.00}.

Despite all of the above, U.S. Bank insists on retaining my {$1800.00} Secured Savings Account balance until after the account is " reviewed '' on XX/XX/XXXX.
Complaint sub-issue: Investigation took more than 30 days

I sent an validation of debt letters on XX/XX/2021 to both macys and discover. they have yet to send me anything validating the alleged debts.
Complaint sub-issue: Information belongs to someone else

Equifax, XXXX and XXXX XXXX are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair credit reporting act XXXX XXXX XXXX XXXX. has violated my rights. Under 15 USC 1681 Section 602 states I have rights to privacy.

15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open consumer credit file as late for any purpose. 

XXXX XXXX. rXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have certified mailed letters to these XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX 
Attorney General in California.
Complaint sub-issue: Don't agree with fees charged

I was a XXXX student at XXXX XXXX College when they closed down making them in breach of contract. I never got to complete my degree. When we were in enrolled we were told that we would need to take out a private loan to cover the remainder of the balance. We did this and the private loan went directly to the school never touching my hands. I did not request a stipend check for living so this private loan was solely for the school. In XXXX of 2016 XXXX XXXX in XXXX XXXX closed down and left us with all of these loans. I have called the lender and they stated I would still be responsible for the loan even though XXXX XXXX was in breach of contract. I have given up so much and missed out on so much for this school. I will have to restart my program elsewhere and put my life on hold for another year or so. I do n't believe I should be held responsible for this loan at all being that it went to the school not to myself. I stopped working so I could concentrate on school I feel like I had given my all for nothing. XXXX XXXX convinced me to get the loan out. I did n't even know it was growing interest while I was still attending. I feel that XXXX XXXX breached their contract so I should not be held responsible for this loan or at least not the full amount. While I was attending school I was making monthly payments to the private loan as instructed by the school. XXXX XXXX made it known that we would not be able to attend scho and would be dropped if payments were not made monthly. I consider myself uneducated on the whole private loan and interest thing. I was supposed to finish school this XXXX. Now I am set back. I really hope that I can receive assistance on this matter.
Complaint sub-issue: Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX, XXXXXXXX XXXX Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Collecons : 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 XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  Name : XXXX XXXX XXXXXXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX Equifax Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I sent 3 letters to the credit bureaus : Equifax, XXXX  and XXXX bur they don't update the informations on my credit report, and don't remove things that I already paid.
Complaint sub-issue: Debt was result of identity theft

I logged into the XXXX website to check my credit report on Thursday, XX/XX/XXXX. I noticed several fraudulent accounts opened in my name. I immediately reported the fraudulent negative accounts to XXXX and I reported the identity theft to my local police department on XX/XX/XXXX. XXXX explained to me that in order to have the accounts removed or deleted I had to file a complaint with FTC.GOV. The fraudulent accounts are listed below with the dates that they were opened. 

XXXX  XXXX : Opened on XXXX, XXXX, XXXX for {$190.00} XXXX XXXX : Opened on XX/XX/XXXX for {$15.00} XXXX : Opened on XXXX, XXXX, XXXX for {$2700.00} DISCOVER BANK : Opened on XX/XX/XXXX for {$8800.00} XXXX : Opened on XX/XX/XXXX for {$590.00}
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX {$9700.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$580.00} XXXX XX/XX/2022.
Complaint sub-issue: Didn't receive enough information to verify debt

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that MRSBO would verify the debt. So I took it upon myself to ask MRSBO for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX  XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account 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: Their investigation did not fix an error on your report

I am filing this Complaint because 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 30 day mark and can not verify these accounts, Under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified that I have disputed. Please resolve this manner as soon as possible Thank you.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Personal information incorrect

I have 4 address on my credit report that I have never lived at on my credit report with XXXX.Also the companys that are reporting these address also have collection accounts in my name as well as the incorrect spelling of my name and the wrong names.I have reached out the these companys with no resolution.
Complaint sub-issue: Investigation took more than 30 days

i Filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and i have not received any investigation results.
Complaint sub-issue: Was not notified of investigation status or results

I've sent several letter in the last 60 days without a response... I need immediate resolution as this situation is causing an enormous amount of stress on me and my family. I'm completely upset at the lack of response to my customer dispute. Please help in having the credit reporting agencies complete my investigation and provide me with an update. The issues are causing a ton of problems and I need answers. Thank you.
Complaint sub-issue: Account status incorrect

This account is still showing open when its supposed to be a closed account. If XXXX is continuing to report this as inaccurate then it is my understanding that the tradeline is supposed to be removed from my credit report altogether.
Complaint sub-issue: Information belongs to someone else

There are several delinquent federal loans reporting on my credit. These accounts aren't mine.
Complaint sub-issue: Funds not handled or disbursed as instructed

Hello my name is XXXX XXXX. I am writing on behalf of my situation with PNC in XXXX XXXX FL ( XXXX XXXX XXXX XXXX ). They are holding my funds from me for no logical reason. On the XXXX of XXXX I deposited a check given to me by a customer who bought a painting from me. PNC said they were going to hold the check until the XXXX. On the XXXX if XXXX they took the check from my account and said it was not legitimate. On the XXXX they locked me out of my account and access to my funds due to fraud alert. I went to the branch and they said my account was shut down and they would mail me the remaining funds in my account in 7-10 days. It has been 21 days. After calling every week and talking to 3 different people all telling me they cant help me, today I had a scheduled appointment with a branch member. They made me drive to the bank just to tell me the same thing theyve been telling me on the phone for weeks. They said they have no idea when Ill get my money and its out of there hands. I was late on rent because my funds are being held for something that isnt my fault and my landlord charged me an extra {$200.00} for being late. How was I to know the check given to me from a customer was fraudulent!? I have {$480.00} remaining in that account that I have zero access to and 6 different people have told me its out of their hands and they have no idea when Ill get it.
Complaint sub-issue: Didn't receive notice of right to dispute

I spoke with someone at ERC to pay off a collection that was on my account. This collection is preventing me getting a private student loan. I told them I would pay to delete. XXXX XXXX at ERC said if I pay my collection, they would email me 48 hours later indicating that this would be removed from my credit. My collection account was updated to XXXX , but still is on my account as derogatory. This is my only way to get a student loan, no one I know can co-sign for me and this is preventing me from returning to school. She said it wouldve been deleted and they just updated the balance to XXXX .
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 I never consented to these inquiries.
Complaint sub-issue: Funds not handled or disbursed as instructed

The Company in question " Optum Bank '' is a Financial Health Services company that handles our HSA. As of right now we have 9 requests for reimbursement from our HSA that has been marked as " Stop Pay '' by the company. This has been the third consecutive time this has happened and each time we have contacted the company to find out the problem. Each time we have been told that the problem has been handled and to resubmit the requests and it should go through however every 24 days it returns to being labeled as " Stop Pay ''. The HSA account itself has {$2000.00} in it and should easily cover the accumulated {$770.00} cost of the reimbursements. We had first applied for these reimbursements in early XXXX of XXXX  and are coming into the forth month of struggling with this.
Complaint sub-issue: Can't get flexible payment options

I am a recent college grad struggling to keep my head over water in student loan debt. I am on an income based repayment plan for my federal loans however, these payment plans do not take into account the amount of money I pay each month to private student loan debt. I pay & gt ; $ XXXXmonth JUST for my private debt, plus an additional {$210.00} for my student loan debt. I am barely making ends meet and I am offered no other options and told I may not qualify for income based plans again each year when I have to recertify. The fact there are no other options to help me lower my cost besides forbearance and deferment ( and the interest will just continue to accrue and ill be even more XXXX ) is just absurd. ALL payments made to student loan debt should be accounted for each month. Yes on an income based plan im only paying 10 % of my income to federal debt, but in REALITY the majority of my income goes towards student loan debt payments ( including private debt ) each month. Also my interest rates on my federal loans are high ( most ranging ~6.8 % ), which is just setting me up for failure.
Complaint sub-issue: Fee problem

On XX/XX/XXXX, I made a mobile deposit for {$45.00}. I got an email confirmation that the mobile check deposit has been received from Citibank. I keep an XXXX spreadsheet of my bank balances with all the despots and withdrawals every day and a I saw that the balance on the account was enough to cover all the checks and ATM withdrawals for the day. 

The next day, on XX/XX/XXXX, however, I saw that my account was overdrawn and my mobile check deposit was still showing as pending. The mobile check deposit didn't post on time unlike what the e-mail confirmation said. Due to this reason I was charged a fee of {$34.00}, however this brought my account to a negative balance. I called the bank to get this fee reversed and they were able to credit my account. 

The next day, on XX/XX/XXXX, I was charged a second overdraft fee of {$34.00} because my account was overdrawn the day before with a negative balance. Then the next day, on XX/XX/XXXX, I got charged another overdraft fee of {$34.00} for being overdrawn the day before. The mobile check deposit that DID NOT get posted on time and get reflected on time triggered my account to become overdrawn, and because I was charged an overdraft fee it made my account to become overdrawn again and again. 

I believe this is a bank error and Citibank did not notify me the accurate balance on the account from XX/XX/XXXX. It started with the mobile check that did not post when it showed that it did. Their app was having technical difficulties on that day and it didn't get properly credited to my account. Had I known that I didn't have enough money to cover the checks then I wouldn't have withdrew money from the ATM each night to bring my balance down to negative. Instead, I would've deposited more money in the account.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax numerous times concerning an inaccurate account from XXXX XXXX claiming a repossession on my credit file. Equifax has reported this accounted verified and accurate. However Im baffled as to how have they verified this account when the company XXXX   can not verify this account with me.Im very unhappy at the fact that there is inaccurate information on my credit report, and the creditor failed to submit sufficient proof to validate the inaccurate account. This is my 6th letter to your company. I know the FCBA allows me to dispute directly with the creditor after disputing with you. You told me that you verified the account with the creditor but they could not provide me with sufficient proof to back up their reporting. How can you verify if the creditor could not? What information did you use to verify the account? Please give me a detailed list of what you used to verify the accounts at hand. That is my right and I would like to know what you did. The law is very clear on this issue, if it is unverifiable, then it must be deleted. 
Please delete these accounts from my credit reports since your company did not properly verify the information and the creditor could not provide sufficient proof to prove their reporting. when was this alleged repo, how much was the car then later sold for, what was the original amount due? What documents have any representative from Equifax reviewed that sufficient to be legal binding documents proving this alleged account. According to the FCRA, you have to tell me how you verified the account above. You have to let me know the name of the person that verified this account, their contact number, address, and the time that they were contacted to verify. This account is INACCURATE!! Based on the FCRA and my counsels review of the FCRA and all of the letters sent to you and received by you, you are supposed to conduct a reasonable investigation on items presented to you by consumers. You have failed to do this on several occasions, which is a violation of the law.
Complaint sub-issue: Can't decrease my monthly payments

I was told my Sallie Mae that I had to make account past due and wait for collections to contact me before I could try and change my rate. The only other option I was given was forbearance, which only makes the problem worse. I ca n't pay this loan and have enough money to start my life.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX I called XXXX XXXX XXXX credit card customer services regarding 2 fraudulent charges to my card made at the store Home Depot on XX/XX/XXXX ; one for {$520.00} in XXXX XXXX XXXX, FL at XXXX XXXX and another charge for {$99.00} in XXXX XXXX, FL at XXXX XXXX. The customer services department informed me that I will get the money back to my account in 48 hours, send me replacement card and report the case for investigation. 
On XX/XX/XXXX the credit was adjusted to my account and I received new credit card replacement. 
On XX/XX/XXXX I check my credit card balances on line and these 2 charges were back to my credit card. I called to the fraud investigation in very disrespectful way attitude the supervisor told me that I have to pay because my card was used and that card can not be cloned. 

I drove to the store and requested the receipts and immediate saw wrong card expiration date, and these purchasers were done when I was working. I have proof of that and early express that I was in possession of the credit card ( the card was not stolen or lost ) and is not joint card holder or authorized user. 

Today, XX/XX/XXXX I received a letter from XXXX XXXX XXXX, states that I will be responsible for these charges and if the minimum payment is not made will be reporter to XXXX, XXXX and XXXX XXXX. I have proof and support that I was working by the time of the charges and I have possession of the credit card. Also I mailed certified letter to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX with all the supports.