Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Funds not handled or disbursed as instructed

I am unemployed in Indiana and receiving employment benefits by the state that are auto deposited into Key Bank. Key bank and the employment division had issued me a debit card where I was able to access my benefits each week on Mondays. I have been receiving these benefits for about three months in this manner. Today I went to the Key Bank ATM at XXXX XXXX XXXX in XXXX Indiana to withdrawal my benefits. The ATM machine had some kind of mechanical issue and during the transaction put a message on the screen that " this machine is being serviced at this time. You can use your ATM card at any participating Key Bank location ... '' and the machine tried to return my card. It made some strange noises from the card slot like it was trying to eject it but it never came out. 

I went inside to explain that the atm had some type of problem and did not return my card. I asked the teller to return my card to me so that I could withdrawal my funds from the account. He told me since it was a state employment card and not a key bank atm card that he could not return it. I asked him to then let me finish my benefits withdrawal and he would not do it. I asked him several times to give me my money and he told me to leave. 

I called corporate office at XXXX and spoke to XXXX XXXX part of the " white glove '' team for customer service. I explained the situation and that it was theft that the bank has refused to allow me to withdrawal my money from their bank. They told me they were going to investigate it and get back to me asap. 

I am unemployed and so is my wife. I have XXXX kids at home and we depend on that very small amount of money each week to feed our kids. At this time I do not know how or when I will receive my money or if I will ever. I called the bank manager again at the branch were this happened and he told us that he destroyed the card and that I would have to order another one. Because this card comes from the employment office and not directly from the Bank, it may take weeks for me to receive a new card just to be able to withdrawal my weekly benefits. 

I am outraged that a financial institution that has been entrusted with the money of the State of Indiana that is allocated to unemployed beneficiaries for those funds and they have chosen to withhold my benefits without cause or any due process. This equals theft of my money which is also governmental funds.

Key bank needs to be investigated and this privilege for Key bank to be able to manage these funds needs to be revoked since they can not be trusted to take care of the many thousands of citizens that are struggling due to Covid-19. This overt act of theft is criminal and needs to be prosecuted. 

I would like CFPB to investigate this to find out if other people are experiencing these activities and to get my benefits paid to me immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have written letters to have inquiries and companies that I 've never done any business with removed at least 3 letters this year to each credit bureau and I have asked for proof I never received any proof. I also contacted the companies they never responded, yet they never remove any of these items from my credit. I have sent letters to credit bureaus and companies to no avail. I have not applied for credit in over 15 years so I know these are not my items yet they wo n't remove them.
Complaint sub-issue: Old information reappears or never goes away

DECLARED BANKRUPTCY IN XX/XX/2021 AND THE CREDIT REPORT AGENCY ARE SHOWING DELINQUENT AND STILL OWES WHEN TRYING TO GET CREDIT BUILDER CARDS AND REPORTING STUFF INCLUDED IN THE BANKRUPTCY THEY ARE TARGETING ONLY PEOPLE THAT HAVE DONE IT PRO BONO. ATTORNEY HAS HAVE SIMILAR CASES AND TOLD ME TO REPORT. IN XXXX FEDERAL COURTS DISCARDED. THEY HAVE RECEIVED COPIES AND REFUSE TO ADHERE TO FEDERAL GUIDELINES
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute on XX/XX/XXXX. I was not resolved so I called them on XX/XX/XXXX. They said disute was completed. I stated I .as not notified. Tthey sent me an email as of XX/XX/XXXX stating it was completed as of XX/XX/XXXX. I disputed this several times. They have not completed those disputes as of date. The other 2 reporting agencies removed the accounts from my report a year before.
Complaint sub-issue: Debt was paid

XXXX XXXX attempted to reach out to me about a debt that was owed to XXXX XXXX XXXXt. However, to my knowledge I had no outstanding debts the creditor.

When I called XXXX XXXX to see why I was being charged for excessive amount of late fees XXXX XXXX   stated that the debt is now owed to XXXX XXXX  and that I will have to contact them regarding this debt. I was never properly served with the adequate amount of paperwork. When I reported to XXXX XXXX that my credit card was lost and needed a replacement. I have not received my credit card replacement till this day. I went monthly to transact payment and check on my account incase my credit was being used fraudulently.
Complaint sub-issue: Account status incorrect

I completed a short sale XX/XX/2016. Mortgage was paid in full, yet the accounts still appears on my credit report as delinquent. I've contacted all 3 credit bureaus about removing the accounts numerous of times. My request have been ignored. Can you please assist me? I feel like I'm being treated unfairly. My last attempt to remove these items cause my credit score to drop. This is odd to me because, my credit utilization lower than it has been in months. and my payment history is at 100 %. My last late payment on my report is the actual mortgage itself. This system seems to be rigged in a way where it leaves people at the mercy of the credit bureaus. Please have them do the right thing here. If you investigate my history, you'll see everything that I'm saying is accurate.
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 XXXX : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$730.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$260.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$130.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Collection : XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance {$730.00} Inquiries : XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Equifax Collection XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXXXXXX  ) XXXX Balance {$730.00} XXXX XXXX XXXX XXXX {$1200.00} Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account status

We settled a dispute with a local hospital on XXXX XXXX, 2013. 
By reaching the settlement, we agreed to withdraw our legal complaints against the hospital, and the hospital agreed to accept an amount smaller than originally billed. 
It was stated in the settlement letter that by offering and accepting the settlement, both parties agree to release each other of any and all claims related to this account. 
The issue is, with this settlement, we have withdrawn our claims against the hospital, yet, they still have a negative statement on our credit report? Why? 
If the law allows them to continue to post this adverse statement on our credit report, even with this settlement, then at least, they can include a more clear statement in the Status section, such as, " Account settled on XXXX XXXX, 2013. Both parties agree to release each other from all claims relating to this account ''. 
This statement is more representative of the true status of this account, instead of the current description in our credit report, which carries the connotation that somehow, we still owe them money.
Complaint sub-issue: Their investigation did not fix an error on your report

I have previously disputed information with Equifax Credit Bureau more than once. On the majority of accounts included in my chapter XXXX bankruptcy the either the date of last activity and or the last payment update keeps getting changed. The credit bureau had already fixed this at least two times. Now I can not even contact a live person & I am finding that the only way to deal with Equifax is to file a complaint. 

This is what Equifax had told me in the past. Once accounts included in bankruptcy show up on the consumer credit report, the last payment & date of last activity, need to reflect or show the same month and year of when the bankruptcy has been filed. In my specific situation the date of last activity & the last payment need to reflect XX/XX/XXXX. What is happening is that the last payment is showing up for the year XXXX. 

Equifax credit bureau needs to lock out the creditors included in chapter XXXX bankruptcy from making any further changes. A few months ago everything was completely accurate. Now with the date of last payment showing XXXX the trade lines in the report are now inaccurate. 

I am requesting that the current online dispute that I have currently open, that each account that I have being disputed, be deleted from the credit report. For having to go through this again for at least a third time, violates the FCRA, Fair Credit Reporting Act. 

Equifax, as far as I'm concerned, can make it so that all accounts included in bankruptcy, can not be updated unless disputed by the consumer them self.But this credit bureau will not take proactive action to prevent it.
Complaint sub-issue: Funds not received from closed account

I opened up a Citi Priority Savings account online ( statement attached ) the end of XXXX. When I went to check my account, I was told it was " locked '' but no-one could tell me why ... ..not " new accounts '' nor " fraud '' department. I was told it was a " security '' issue. On XX/XX/XXXX, {$5000.00} was debited from my account, so I assumed a check was coming to me ... ... ..nothing ever arrived! I have called numerous times, but unable to get any information from anyone. At first I was told I had to wait 30 days, then 60 days ... ... but still no check or concrete answers. There are no physical offices in MA or RI. 
Do you have any contact with Citi? How can I get my money? 
Thank you, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

The bureaus have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
Complaint sub-issue: Reporting company used your report improperly

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

XXXX5 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 during payment process

I had entered into a payment plan with Citi ( Costco card ) last XX/XX/2020. The monthly payment I needed to make on the XXXX of each month was {$350.00} starting with the month of XX/XX/2020. 
However, after auditing my payments history recently since XXXX I noticed Citi has tricked me into making double payments each of the last 5 months. 
For example, in XXXX I was supposed to pay {$350.00} but Citi withdrew {$770.00} from my bank. In XXXX, City withdrew {$710.00} instead of {$350.00}, same as in XXXX, XXXX, and XXXX. Therefore for the past 5 months I was supposed to pay {$350.00} x 5 = {$1700.00} However, during the same five months period Citi withdrew from my bank : {$3600.00}, which is {$1800.00} extra. 
I contacted Citi ( Client Resolution Team ) in early XXXX to rectify this payment issue, but I haven't gotten a reply.
Complaint sub-issue: Information belongs to someone else

Goodafternoon, I am a victim of identity theft, In XXXX I was victim of a data breach that leaked all my information. My social, my id, and my address were all leaked. Now I have been dealt with a very bad hand because I have multiple fraudulent loans that are on my report. My family and I are now struggling with purchasing a place called home because of these accounts. Now I know that in XXXX there was a data breach in your company so you do understand the effect of what happens to people. According to the FCRA 605b 15 USC 1681 c-2, the accounts that are listed must be blocked in removed within 4 days. These are not my accounts I am a victim of identity theft I did not benefit at all. My life is being ruined help me from the shackles that I am being held in from being a victim. I have attached a FTC report, identity theft affidavit notarized, proof of identity, and proof of address with a bill.
Complaint sub-issue: Didn't receive services that were advertised

I am receiving text alerts from TrustedID regarding the Equifax breach. It says they detected activity that I need to check on. My userid and password are not recognized. When I click Forget Password, it tells me I will receive an email on how to reset my password but the email never comes. It says to call XXXX Monday - Sunday XXXX XXXX but that number has a weird busy signal, like it is not working.
Complaint sub-issue: Information belongs to someone else

This account has been obtained by someone else who stole my identity and now I am paying the price for it. My credit is being hindered by the fraudulent account due to the fact that I am XXXX  XXXX and the bank will not extend the needed loan amounts for me to take on projects of my caliber that I am accustomed to. I ask for your help in the removal of this fraudulent XXXX XXXX  XXXX XXXX account.
Complaint sub-issue: Debt is not yours

Hi there, I have contacted this company ERC multiple times, asking them to remove the {$160.00} charge for internet service from my credit. I do not owe them any money. I have spoken to XXXX XXXX XXXX on two occasions and both times they have told me that the debt has been/will cleared because I am a long standing customer. 
XXXX XXXX XXXX has shady business practices, if one moves apartments, they create a new account for you and never cancel the old account. 
My original account was with XXXX XXXX XXXX. 
I have picture evidence from both the XXXX XXXX XXXX chat, XXXX and XXXX credit bureaus. All have told me that the charge has been removed from my credit. 
XXXX has yet to remove it from my credit report. 
XX/XX/2020, is the 1st time, and XX/XX/2020, is the second time I spoke to XXXX XXXX  XXXX. XX/XX/XXXX I got a letter from ERC about my debt to them. This is ongoing.
Complaint sub-issue: Problem during payment process

I used the {$370.00} " Cash Rewards '' balance on my XXXX XXXX XXXX XXXX to pay my {$350.00} outstanding month-end balance. However, Citi requires you to also pay your " minimum payment due '' amount or your account is considered " past due ''. So, in my case, if I had not used the credit card during the month, I would have had a {$15.00} credit balance ( {$350.00} amount due less the {$270.00} credit )! Citi describes the reward as " cash '' and even includes the word " cash '' in the credit card 's name. Yet it does not qualify as " cash '' when you use it to pay off your balance! This is wrong and needs to change.
Complaint sub-issue: Information belongs to someone else

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX XXXX
Complaint sub-issue: Billing problem

XXXX  bill pay takes my payments out my account to send to ally financial bank on my auto loan that is paid monthly well when they sent my payment electronically they were provided a confirmation number which means they received it but never posted it to my account now it shows past due and ally financial keeps giving me the run around and something needs to be done because they did receive the payment but they keep on giving me the run around and what they are doing is theft
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. UNKNOWN - Account # XXXX* ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. VERVENT/TBOM on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Information belongs to someone else

I am currently a victim of identity theft, XXXX, Equifax, and XXXX continue to report fraudulent activity on my credit report. XXXX  XXXX XXXX has been filed in XX/XX/2019, they did not comply within the 5-7 business days according to federal law.
Complaint sub-issue: Card opened as result of identity theft or fraud

Received a letter from Sears MasterCard XXXX XXXX XXXXXXXX in XXXX XXXX, SD that I had applied for a Sears MasterCard and was denied due to being unable to verify my residence. I'm not sure if this is a scam originating from Sears or someone else, however I never applied for the card. The phone number appears to be to a private residence as well.
Complaint sub-issue: Received bad information about your loan

I have had ongoing issue related to communication and customer service with Fedloan Servicing. I am taking advantage of the Income-Driven Repayment Plan and Public Service Loan Forgiveness programs and Fedloan Servicing is making it nearly impossible to participate. I  have submitted the required paperwork for both programs as required and every time I need to re-certify or send in new documentation, there is a problem. For example, this year on XX/XX/19, I received an email stating that I would need to re-certify my Income-Driven Repayment plan. 
The email stated that " in about 2 months, look for another communication from us with easy instructions and a direct link to recertify online '' and " If we do not receive your completed application and all supporting documentation within 10 days of XX/XX/2019, your monthly payment will increase to {$930.00}, first due on XX/XX/2019 ''. I decided to re-certify early given my experiences with Fedloan Servicing in the past. As of today, XX/XX/19, I have not received the email described above.

On XX/XX/19, I submitted my Income-Driven Repayment Plan documentation including the application and my tax return. On XX/XX/19, I received an email stating that my application was incomplete and that I would have to wait for a letter in the mail to explain what exactly was missing from my application. I uploaded my tax documentation again and called Fedloan Servicing on XX/XX/19 after not receiving any letter in the mail. The representative I spoke with was able to see both my application and tax information had been uploaded but was unable to tell me why my application was considered incomplete. I was then transferred to another section and told I would be on hold for more than 20 minutes. There is absolutely no reason why it should be this difficult to get a simple answer about an application for re-certification. I am still waiting to receive a response by email, mail or phone regarding this issue.

I have also submitted the paperwork for Public Service Loan Forgiveness Program. My initial employment certification was approved but when I switched employers and sent in my new certification, I received a letter stating the the form I had used was out of date. On the form, was the date the form was valid until. I completed and submitted the form well before that date. I called Fedloan regarding this issue and was told they would fix the problem. Several months later, I called again and was told that they had not fixed the problem and that I would need to submit a new form. Every time I have an issue with this company, I am told it will be taken care of and then it isn't.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax so many times to have these accounts removed from my credit reports. I have filed a police report & Identity Theft report to prove that these are not mine. The Dept of Ed/XXXX accounts listed on my credit report do not belong to me in the amounts of {$5000.00}, {$4300.00}, {$3100.00}, {$6700.00}. These are also inquires that I have not applied for or authorized to have anyone access to my credit report XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX