Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive notice of right to dispute

This collection was the result of unfair tactics by the hospital charging me for services I didn't ask for. I went to the emergency room due to XXXX XXXX because my fried was concerned. They inserted an XXXX  in me and refused to remove it when I wanted to leave and telling them I didn't want to be admitted or additional tests. They insisted that something bad or even death could happen to me and there was nothing I or they could do to help it unless they performed additional tests. I insisted multiple times that I was fine but they refused to remove the XXXX  until the doctor came to see me. After hours of waiting I finally got XXXX XXXX  enough to removed the XXXX myself and had to WALK home! This was all explained to the collection agency and they dropped the case. I disputed it on my report twice and it was removed both times from ALL agencies but they keep adding it to my reports ... Furthermore ; they don't notify me and I have to find out through XXXX XXXX! Then I have to dispute it AGAIN ... Also, see the attached showing that the amount is XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I called Equifax yesterday concerning multiple disputes that were mailed in, phone calls to the company, and CFPB complaints concerning unauthorized hard inquiries on my Equifax report. I was told that they never received my complaint with my identity theft affidavit attached. ( How is that when they've responded to it? Complaint # XXXX for reference ) I've also mailed this dispute with the affidavit to Equifax. ( Twice ) I am still getting the same response. This issue has been going on for more than 60 days. The company responded on XX/XX/XXXX stating that they've completed an investigation, including contacting the furnisher of the information. This complaint also has the affidavit attached. I've been asked to send in this affidavit again in order to have these inquiries removed. 
-XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I XX/XX/XXXX -XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX  XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I recently found very questionable items on my credit report which I didnt recognize. After consulting with my legal counsel, I was advised first to notify the credit bureau to get this matter resolved. 
My first letter dated XX/XX/XXXX18 included all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days have past and no proper investigation done by the bureau. All I receive is a credit report with all frivolous items still present. 

The following accounts are frivolous and needs to be removed asap. 

XXXX XXXX REF # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ref # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. As I was sitting with my mentor she said my credit needed to be pulled. I knew I had good credit so I was not worried about that being the first step. Out of surprise a big list of accounts I have never seen or heard of in my life showed up. Those fraudulent accounts do not belong to me. Please remove these things from my report.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I've been locked out of my unemployment funds that are paid through US Bank Reliacard. A month ago, they said there was fraudulent activity on my card. So, they issued me a new card.

The 1st problem, in a very long list, is two of the cards would not activate, so I had to wait for a third card. It usually takes 5-7 business  days for the card to arrive. XX/XX/XXXX the 3rd card arrived and I activated it. It was active for one day, and then declined at the grocery store.

After a week of numerous phone calls and waiting on hold for 4-5 hours at a time, I was informed there had been a freeze put on my card because they were auditing my account. I was told I needed to fax in a copy of my driver 's license, rental agreement, and SSN card, and it would take 3 days. I faxed these documents on the XXXX of XXXX, and called 3 days later. 
The first customer service rep I spoke with said it could take up to 120 days for them to do the audit. I insisted on speaking to a manager and was hung up on. I called back, pretended I didn't hear the 120-day thing, nor did I ask. I was told they could not find my documents and that I just needed to keep checking back. 
On XX/XX/XXXX I would not accept their response of call back, and I demanded something be done. They asked me if when I faxed my documents, I increased the photocopy size on driver 's license by 200 %, because if I hadn't my fax papers were tossed. 
So, on Friday XX/XX/XXXX, I went back to the UPS store to fax the documents with the NEW instructions only to have the XXXX store try 12 times to fax my documents and the fax would not go through.  XXXX said the machine is responding like it's off the hook or unplugged on Reliacards end.

I came home called Reliacard and was literally told hmm, that doesn't sound right, but maybe try back on Monday. 
As of today, XX/XX/XXXX I have not been able to send the fax with my documents. That means my account is sitting there locked and I have no way to correct this. 
I feel like I am on the verge of a XXXX  XXXX, and US Bank couldn't care less. I have almost {$3000.00} on my card that I can not access because EVERY TIME I get the run around and new hoops to jump through. 
My utilities and rent are late, and there are late fees adding up. The burden upon me is great as I am raising my grandchildren. I have NO groceries, or gas in my car to get them to school. We set out walking an hour before school starts as it is over a mile away. I had to borrow money from a neighbor just to send the fax. I am desperate for someone to guide me on how to resolve this and be granted access to the unemployment I am entitled to.
Complaint sub-issue: Funds not handled or disbursed as instructed

I used Popular Bank XXXX XXXX which is an app to send funds to people directly on XXXX for {XXXX}. I sent the same person for the same amount 2 months prior with no problem. The second time I sent money to the same person in the same manner it went to a person I have no idea who it is. A few days went by and once I realized the person I intended to send the money to did not receive it I called the bank on XX/XX/10. That is when i realized the info of the recipient 's phone number was one digit off. This was really strange because I used the contact in the app to send money before. I didn't input the number manually the second time. They informed me they couldn't do anything that day and to call back the next day. I asked if they could request the transfer back and they said I would have to wait for someone to get back to me. I informed them I believe this was a timely and to see if they could do something! They informed me the fraud department would call me with in 24 to 48 hours. In the mean while the money cleared through a XXXX account. After the second day I called again and they had no addition info. I asked if they could request the transfer back and they said I would have to wait for someone to get back to me. Two days passed with no call back back from anyone. In this time the fraud department contacted the person I attempted to send the money to so they could confirm the transaction and they told him to call XXXX and ask for the money back. I kid you not! They advised him to deal with XXXX directly. It took several days and many phone calls before I could even get an answer on what the possible outcomes could be. Eventually they told me sorry user error. I was appalled on how the situation was handled from the begging. I found the lack of contact and willingness to attempt to help there customer suspicious. No one could give me any information at all. I asked how this happened, where I went wrong, why wasn't i notified, I sent this person money before what happened and other questions with no attempt to answer them.
Complaint sub-issue: Information is not mine

XXXX has put a negative account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved and they would n't take it off from my credit reports. It is hurting my credit badly. I have communicated with Equifax several times regarding this matter and they came up with the decision that the account is verified. I badly need help to get it removed from my Equifax credit report and to stop this harassment.
Complaint sub-issue: Company closed your account

My debit info was stolen, and about {$10000.00} was taken from me. I spent days at the local PNC branch disputing transactions ( I had a police report and plenty of proof and admittance of the person that stole the money ). The dispute was not filed correctly ( the branch admitted this to me ) and it was passed between 2-3 people during the process, so some items were not disputed that should have been, or were disputed that shouldnt. The bank refused to give me provisional credit during the investigation, even though I had proof of everything. The bank ended up denying my disputes, closing my account, and stating account abuse. The branch is at fault, and admitted to filing my disputes incorrectly. XXXX XXXX at corporate was well aware of all angles of the situation and would not help me get it straightened out. I am a single mother of XXXX, have been evicted during the process, and am still without the money that was stolen from me. And now am without a bank account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have filed for Chapter XXXX bankruptcy and i did not authorize all the inquiries on my credit report. my credit score has plummeted to nothing and i am trying to purchase a home and this keeps me from owning my First Home and being  treated equally like every other consumer. I would like all of these removed because they were never authorized to look at my credit by me.
Complaint sub-issue: Their investigation did not fix an error on your report

All three credit bureaus, such as Equifax, XXXX, and XXXX, did not a proper investigation concerning disputing, raising my credit score, and deleting closed accounts that were included in my court-order XXXX XXXX XXXX All of the collections and negative reports need to be deleted from all three of my credit file/ bureaus, instead of reading closed in the status section. Please see the attached document for proof.
Complaint sub-issue: Problem using a debit or ATM card

on XX/XX/2019 there was a ATM deposit of XXXX then XXXX credit to the student account. the ATM Number and Location : XXXX - XXXX - XXXX, IL. I also see two checks dated XX/XX/2019 for the amount of XXXX with this number XXXX on top right front corner and top has a Sequence No. : XXXX XX/XX/2019 for the amount of XXXX with this number XXXX on top right corner and top has a Sequence No. : XXXXchecks read XXXX  of district XXXX XXXX  XXXX  XXXX BANK and on the back show US Bank  ATM XXXX XXXX XXXX XXXX MN XXXX. This is why my savings and checking account is frozen due to this problem. Can you please help resolve this issue thanks.
Complaint sub-issue: Banking errors

I reported fraud on my checking account as soon as it happened. I told them I was a victim of ID theft and the charges on the account were fraudulent. I first disputed twice with PNC, then several times with the bbb they wouldn't take off the last amount. It started at XXXX and was sent to collections. I spoke with XXXX XXXX XXXX XXXX XXXX. She informed me the original amount was XXXX. And that's what should have been charged off. Somehow it became XXXX. I found out. There was a XXXX dollar charge off fee. Resulting in the increase. The charges on there were for 4 XXXX fees for returned items on purchases that weren't mine. The one charge was XXXX which was after a dispute credited back. Then XXXX for shoe buy on XX/XX/XXXX. This was credited then reversed this was not my charge. On XX/XX/XXXX another XXXX charge for XXXX XXXX which I didn't use. I never signed up with them or gave credit card information. This was a reversed charge. I should mention the XXXX was also XXXX XXXX. Which and the occurred XX/XX/XXXX. And the XXXX dollar fee for charge off was never credited. I worked with XXXX XXXX and he treaded me like I was the problem and wouldn't help me at all. He just went on about other credits and issues having nothing to do with this case. It's about XXXX they say I still owe.
Complaint sub-issue: Information belongs to someone else

I don't recognize this account, i have never applied for this, i'm not responsible for this debt, with this company i have no contracts or agreements with my signature.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a dispute with the credit bureaus, all 3 have reported my score dropping 33 points between XX/XX/2018 and XX/XX/2018 when I checked it. 
Not one of them could tell me the event that caused it. Have yet to hear back from them and it has already been 3 weeks. 
The credit bureaus are telling me to contact XXXX XXXX, XXXX XXXX is saying it is the credit bureaus fault and in the meantime I am not getting any answers from either one. 

My credit report with XXXX showed that on XX/XX/2018 XXXX XXXX did a credit inquiry without my consent or knowledge. Subsequently the very next day they closed my account without my consent or knowledge. They have since reopened it sometime later to cover up their mistake. This is the only event that could have caused my credit score to drop. 
XXXX XXXX has denied doing this and suspiciously right after I filed the initial dispute on XX/XX/XXXX, all of a sudden I can not view this information on my credit report any more.
Complaint sub-issue: Information belongs to someone else

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX - XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Reporting company used your report improperly

While I was reviewing my credit reports ( equifax ) came across soft inquiries. Now I don't care if it is a promotion or not I never authorized anyone to check my credit history or credit score. This should be illegal for it seems to me that is ID theft, or at least leading to do something illegal. 
XX/XX/202XXXX XXXX Promotional Inquiry XX/XX/2021 XXXX  Promotional Inquiry
Complaint sub-issue: Their investigation did not fix an error on your report

Upon reviewing my updates, the incorrect information was still found in my reports which Ibelieve has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which statesthat continued reports of the unverified information without any proof provided, within thetime allowed by law, is not authorized. The account listed below is still reporting on myCredit Reports and needs to be CORRECTED immediately : XXXX
Complaint sub-issue: Reporting company used your report improperly

In compliance with the Fair Credit Reporting Act, XXXX XXXX Account Number XXXX 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: Information is missing that should be on the report

On my Equifax Credit Report, XXXX Credit Report and My XXXX credit reports My XXXX Credit Card and My XXXX XXXX XXXX Card accounts are not showing as reporting on my reports. Thus causing my credit score to be lower than they should actually be. Hendering me from obtaining credit.
Complaint sub-issue: Debt is not yours

In XXXX XXXX added a collection to my credit report and it was removed in XXXX due to fraud and it was off my account from then until XXXX. In XXXX, Enhanced Recovery Co. added it back to my credit report AND illegally re-aged the account stating it is a NEW collection with a " date opened '' as XX/XX/XXXX which even if this was mine, is WRONG. 

I disputed online with the credit bureaus and was told it was verified. It obviously wasn't. 

I called and requested to dispute again and was allowed to submit documents so I sent them a copy of an actual page from a XXXX credit report that shows this XXXX account with this same amount due. I also sent a FICO report that was pulled by a mortgage company in XX/XX/XXXX that shows this collection was NOT on my report at the time. 

They STILL came back and told me it was verified! It appeared they tried to change the date to XXXX on one of the reports but they still didn't even have the dates correct. 

Thank you
Complaint sub-issue: Account status incorrect

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : INCORRECT NAME : XXXX XXXX PREVIOUS ADDRESS : 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 XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

I have a XXXX bill currently in dispute. I filed a complaint with the FCC over their fraudulent billing practices - they had me on a plan that was supposed to last a year, but they dropped me off the plan at 6 months, and then when I called to complain, they fixed the bill. But the next month they overcharged me. And I called to complain. So they fixed the bill. And then the next month they overcharged me again. So they fixed the bill, but I dropped the service. 

So I paid off the bill online - or so I thought. Because that last bill that they said they were going to fix - well, they did n't fix it. I dropped the service immediately after the said they were going to fix it, and instead of actually fixing it, they just left it at the wrong price. So I paid off the bill ( I do e-billing, so I never got a paper bill ) - but, oh, I paid too little. Because they did n't fix the amount like they were supposed to. 

Fast forward to today. 

ERC has never called me. They have never sent me a notice. They have repeatedly called my XXXXyear-old father and XXXX-year-old mother, who live two hours away and have never had anything to do with my account or with XXXX. My telephone number - which I have had since 2008 - was on file with XXXX, and I have never received a telephone call from ERC. NOT ONCE. 

I called ERC, and they told me that I owe XXXX {$44.00}. I had a discussion with them that the debt was submitted to them fraudulently, and they said they could send it into dispute. But I had already filed a complaint with the FCC over their billing. And it 's still " under investigation. '' Probably because XXXX 's poor customer service and billing procedures are so shoddy that it 's legendary. There 's probably a whole department at the FCC that JUST DEALS WITH XXXX COMPLAINTS. 

So, I talked about it with the rep some more. She explained the processes and essentially, if XXXX does n't remove the debt from their rolls, they 'll keep calling XXXX my parents, apparently, despite their number never having ever been on anything XXXX related, and despite the fact that I 've had this same cell phone number since 2008 ) and trying to collect the debt. 

So I said, " That 's just more trouble than it 's worth. I 'll just pay the amount. '' And she said, " Okay, there 'll be a {$15.00} convenience fee for paying your bill over the phone. " Very long story short, ERC has been:1. Harassing people who have NOTHING TO DO WITH THIS ACCOUNT2. Charging people an exorbitant fee to pay their bill. 

Thank you for your time.
Complaint sub-issue: Problem with personal statement of dispute

some time on or about XX/XX/2019 the bank name XXXX XXXX a XXXX XXXX  XXXX XXXX XXXX in there Declind was base on a review of your report. mere fact your information can be accurate how do you are your enity report to the unacceptable bank account history have being a cusmtor of XXXX XXXX XXXX in XXXX XXXX for over 10 year they finance my Home which in fact is pay off second i have any with XXXX XXXX for over 20 year and number account this lending that in good standerd your company need to correct there false statment about me and my wife because is not true your fact are wrong this is not the frist time you all have issue statement that destory my name please i amask you to correct these fact statement that you are makeing. now XXXX, XXXX, stated that i have good credit with no negative performance. i have 28 account and all is pay as agree.
Complaint sub-issue: Information belongs to someone else

To whom it may concern, I reveiced a copy of my XXXX and XXXX  report and notice that XXXX Is still associated on my credit report, Attached is proof that this account has been deleted from my XXXX  and XXXX. And no longer reports as valid. I've sent several letter to Equifax and ftc report To have this account removed, because it don't belong to me. I've also sent follow suit letter to Equifax. The account still still shows inaccurate. With this account on my profile its not showing my true credit history. I contacted Equifax countless of times. To have this account removed. I've attached my credit report to show where XXXX and XXXX removed the account from my credit profile.
Complaint sub-issue: Account status incorrect

I paid my mortgage in XXXX over the automated system as I always do. It wasnt until I was paying for XXXX that I noticed, and it indicated that I had not paid for XXXX. Called to get info about it because I had done things as usual. It was also in XXXX that I noticed the automated system was different. I inquired had they been getting a lot of calls regarding this problem. I have not been late nor was I late in paying my mortgage.
Complaint sub-issue: Company closed your account

XXXX XXXX closed my credit card account whom I've been with for nearly 3 years citing authorized users as risk factors. I add authorized users because they send me ads and promotions to add them for additional points, and now they decided to close the account. I've spoken to XXXX from the account restriction team and I've faxed in my social security card and lease but no one ever got back to me.