Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I am XXXX  and ordered a battery scooter from XXXX on XX/XX/20 {$590.00} order number XXXX DISCOVER CARD ENDING XXXX I CALLED XXXX AND CANCELLED THE UNIT ON XX/XX/20 was told no problem they Will advise the XXXX supplier XXXX in California ( I then ordered a larger scooter On Discover for {$1600.00} The other scooter was too small Would not work for me. 

On XXXX. I started receiving XXXX  ship data I called XXXX daily please cancel this delivery They advised it was cancelled On XXXX XXXX tried to deliver it And we rejected the delivery ( As advised by XXXX Return to sender ) Return to sender I requested thar Discover accept my Dispute for the charge XXXX XXXX mgr # XXXX Advised they would not process a dispute till at least 30 days And I would be required to pay the bill I should call them on XXXX to request a dispute I requested to speak with her supervisor. 
Was told they would call me back 6 hrs later no response I should not have to wait 30 day to file a complaint on my account. 
DISCOVER SHOULD START A FILE AT ONCE IF IT TAKES 30DAYS TO RESOLVE THATS OK BUT THEY SHOULD START THE PROCESS AT ONCE I DONT WANT TO BE RESPONSIBLE FOR LATE FEES OR PENALTIES IF THEY CAN BILL INSTANTLY THE CAN LOG COMPLAINTS INSTANTLY
Complaint sub-issue: Information belongs to someone else

This is the second time I have sent a complaint to XXXX over account that I didnt recognize. Please delete these two accounts XXXX XXXX XXXX, XXXX XXXX XXXX. I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX. I WILL BE FILING A REPORT WITH FTC AS WELL
Complaint sub-issue: Information belongs to someone else

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXXXXXX XXXX XXXX Reference # XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance XXXX {$24000.00} ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} XXXX XXXX XXXX XXXX : {$1700.00} XXXX XXXX  XX/XX/2021
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX were XX/XX/XXXX,, 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 states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00} ; Bankruptcy XXXX  XXXX Date Filed XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$340.00} ; XXXX XX/XX/XXXX
Complaint sub-issue: Banking errors

I received an offer in the mail from US Bank regarding a sign up bonus for a business checking account in connection with a credit card that I already had with them. I signed up for the business checking account for my sole proprietorship on XX/XX/22. The bonus terms stated that {$500.00} of rewards points would be deposited into my credit card account after completing a few requirements for the checking account, including depositing {$5000.00} in new money into the account within 30 days of opening the account. I deposited {$5000.00} into the account from XXXX and completed all requirements for the bonus that month as well. US Bank is refusing to pay out the bonus even though I satisfied all of the requirements as they are claiming that I did not deposit {$5000.00} into the account. I have attached screenshots of the offer terms along with my account activity documenting the $ XXXX in new funds.
Complaint sub-issue: Account information incorrect

The following accounts are incorrect and they are adversely affecting my livelihood. 

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: Their investigation did not fix an error on your report

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party.
Complaint sub-issue: Information belongs to someone else

These are not my accounts. Please remove them. I am not a mortgage company nor am I a credit company,.
Complaint sub-issue: Reporting company used your report improperly

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, NC XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX6 XXXX XXXX XXXXXXXX, NC XXXX 6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently sent my statement with the balance on my mortgage. I was told that they could not fix the information due to not enough information. How can these people handling how reports be either incompetent, lazy or unqualified to do a a reporting system. 
If my statement show the correct outstanding balance, how can they not correct the it since this is proof of my account balance. 
The statement shows all of the ending balances on my account.
Complaint sub-issue: Personal information incorrect

On X/X/17 I applied at XXXX to purchase a vehicle, once approved and ready to take the final background Quiz, done through the public information system ( LEXISNEXIS ), my last name was spelled wrong by one letter. Upon calling and going through the automated messages I finally got through to the proper department. They told me the best they could do was file an investigation into the matter and would not put me through to a supervisor. They said the investigation would take 40-60 days and hung up at XXXX because the woman said the office was closing.
Complaint sub-issue: Can't close your account

I closed all of my accounts with Citibank in XX/XX/2021. They have refused to close a savings account ending in XXXX I have called them numerous times and spent many hours on the phone they are wholly incompetent and unwilling to locate and close the account however they know enough to continue charging me {$XXXX} per month and overdrawing the account with account fees although the account has been closed for over XXXX months
Complaint sub-issue: Reporting company used your report improperly

Equifax allowed my information to be stolen, failed to give timely notification, and worst of all are wanting me to sign up for credit monitoring owned by them with a credit card so they can start charging me on year two if I forget to notify them properly. They al so are not notifying people of XXXX and birth dates are stolen only credit cards
Complaint sub-issue: Investigation took more than 30 days

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. 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 XXXX I made this clear for 60 days straight with XXXX i spoke to a representative agent name 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 seven 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 accounts 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 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Complaint sub-issue: Their investigation did not fix an error on your report

I recently submitted several complaints to XXXX & LexisNexis regarding a Chapter XXXX bankruptcy reporting on my credit report. After careful investigation and wording of the law, it states the following : According to the Fair Credit Reporting Act ( FCRA ) a Chapter XXXX bankruptcy CAN remain on your credit history for UP TO 10-years from the filing date. For a Chapter XXXX bankruptcy, the maximum is seven years, like most other negative items. There are some key phrases in that statement that need to be clarified : 1. " Can '' - The FCRA does not require that a bankruptcy remains on your credit report a full decade. 

2. " Up to '' - Again, 10 years is not a legal minimum, it is the maximum. So, legally, bankruptcy CAN BE REMOVED from a credit report before that limit is reached. 

My bankruptcy is scheduled to be deleted in XX/XX/2020. I am applying for a mortgage and this is severely impacting my ability to obtain reasonable financing. I am asking LexisNexis & XXXX  to read the above law by the FCRA and delete this item.
Complaint sub-issue: Information belongs to someone else

Dear Sir or Madame, The purpose of this communication is to file a formal complaint against Equifax. I have repeatedly asked for evidence to support their reporting, but they have failed to provide me with a copy of viable evidence submitted by the following collection agencies reporting fraudulent collection accounts in my credit files. 

1 ) XXXX XXXX - Original Creditor : XXXX XXXX XXXX Balance - {$150.00} 2 ) XXXX XXXX XXXX - Original Creditor : XXXX XXXX XXXX XXXX Balance -  {$320.00} 3 ) XXXX XXXX XXXX - Original Creditor : XXXX XXXX XXXX XXXX Balance - {$120.00} Unfortunately, after not receiving any responses from the collection agencies reporting erroneous collection accounts on my credit reports. I disputed these accounts on three separate occasions with all 3 credit bureau 's by mail ( Certified mail return receipt requested ) requesting the following : 1 ) Investigation of the fraudulent collection accounts 2 ) " Burden of Proof '' Documentation bearing my signature, verifying that these accounts belong to me 3 ) " Fraud Alert '' be placed in my credit files with my phone number asking that goods or services not be extending without first contacting me personally and verifying all application information. 

Thankfully, XXXX  and XXXX abided by the " Fair Credit Reporting Act '' by working with me in a collective manner to rectify these fraudulent collection accounts ultimately deleting them from my credit files. However, I have little to no responses from Equifax in providing me with the " burden of proof '' or status of my investigation/re-investigation results within a timely manner. Most importantly, in my third written communication to all three Bureau 's I submitted a police report, a letter requesting a Fraud alert be placed on my file and a re-investigation of the fraudulent collection accounts. 

Therefore, I will be providing all supporting documentation to support my claim and attempts to communicate effectively with Equifax and the collection agencies regarding this matter. Lastly, I am asking for you to intervene for a fair judgment based on the Violation of The Fair Debt Collection Practices Act and The Fair Credit Reporting Act ( including but not limited to Section 623. ) and have any inaccuracies removed from my credit report.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Complaint sub-issue: Threatened to sue you for very old debt

I received a call from XXXX XXXX XXXX about a credit card debt owed by US Bank. They said that I took out the credit card in XXXX and defaulted on it in XXXX. I never had a credit card with US Bank. 
They called me XX/XX/XXXX, in the evening. I called US Bank on XX/XX/XXXX in the morning. US Bank has no record of me ever having a credit card with them. The only account I have ever had with them is my son 's account because he opened it before he turned XXXX. 
I called XXXX XXXX XXXX back and let them know that US Bank said that I never had an account with them and that they do not delete accounts they sell for collection until after 7 years. 
XXXX XXXX XXXX insisted that I settle the account or they would get a judgement against me for 10 years, attach my wages and bank account and any property and vehicles that I own. 
US Bank told me that they have to be a phishing scam looking for information from me. 
I told XXXX XXXX XXXX to take me to court because I was not paying them anything on this because the account never existed.
Complaint sub-issue: Reporting company used your report improperly

I XXXX XXXX the natural person did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. I already filled out a FTC report # XXXX which is attached. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Complaint sub-issue: Didn't receive terms that were advertised

I opened my checking account with a {$500.00} referral code but Albert keeps saying that I am not qualified for the bonus.
Complaint sub-issue: High-pressure sales tactics

Hello, On XX/XX/2022, I, XXXX XXXX, sent Ally Financial an AFFIDAVIT OF TRUTH / AFFIDAVIT OF RESPONSE FOR CEASE AND Consumer Enforcement as Administrative Counter-Claim by Private Right of Action and a notice of violation of the Truth and Lending Act and XX/XX/2022 and to their Agent. Their response was that documents I sent was not legally binding to them and that the Affidavit was not a proper form of payment but that is not what I intended nor the outcome I wanted. I have sent and asked for Upon the discovery of the fraud, deception, and many violations pursuant to 15 USC 1681p there is no statute of limitations on the discovery of fraud. The gross deception in the contract which involves violations of the Truth in Lending Act 15 USC 1601, violations against ECOA 15 USC 1691, violations of Discrimination 15 USC 13, violations of False and Misrepresentation 15 USC 1692e, violations of Deceptive forms known as the Retail Installment Contractor Agreement to 15 USC 1692j. Finally, once XXXX XXXX XXXX XXXX had benefit by taking advantage of me, they then unlawful assigned/self of my contract which was my private Negotiable Instrument to Ally Financial for their profit. In exercising my consumer rights, Ally Financial then proceeded to violate 15 USC 1666e by restricting my payment account and threatening to repossess my vehicle and can be held liable in court under 15 USC 1693m.
Complaint sub-issue: Frequent or repeated calls

Continuous phone calls every day. Please stop the harassment. May contact me by mail only
Complaint sub-issue: Public record information inaccurate

ALL " CRA '' REPORTING ERRORS OF INCORRECT " PACER '' DATA / NOT MY ACCOUNT " PUBLIC RECORD/ BANKRUPTCY CH XXXX '', PUBLIC RECORDS OUTDATED REPORTING PAST 10YRS AND UNAUTHORIZED INQUIRIES WITHOUT MY CONSENT TO REVIEW CREDIT FILE
Complaint sub-issue: Investigation took more than 30 days

PENALTY OF PERJURY 'Violations of 15 USC 1692g ' '15 USC 1692a abusive and profane language ' '15 USC 1681b- Permissible purposes of consumer reports ' I sent letters on 05/17/2021 citing violations of 15 usc 1681b . I have never gave written consent to report any of the accounts listed below. 
XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX I will be sending an invoice for {$1000.00} per violation.
Complaint sub-issue: Not given enough info to verify debt

On XXXX XXXX, 2015 I sent a debt verification letter to the collection agency ERC. The agency answer the letter and sent me XXXX billings statements provide by Dish. The charge is for early termination plus state tax. ERC report the account to XXXX major credit bureau XXXX. I sent copy of debt verification letter, the answer of ERC and the bills.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, I sent a request to Equifax, XXXX, and XXXX XXXX to investigate an error that appeared on my credit report. They were supposed to respond within 30 days, but I have not yet received a response.
Complaint sub-issue: Received bad information about your loan

My school closed and I am within my legal rights to pursue a discharge of all loans taken out while in attendance at the closed school. Attendance in pursuit of the degree I was seeking included two different campuses as my school had multiple campuses-the campus listed on this complaint and the XXXX XXXX XXXX, UT campus of the same school. A loan discharge application was rejected by my lender and upon fixing the errors they claim it had the second one was rejected as well, in spite of all purported errors having been fixed. At this point it is clear they are illegally denying me my lawful right to a discharge of my loans.
Complaint sub-issue: Account status incorrect

My first contact with the XXXX XXXX XXXX was XX/XX/XXXX to dispute the late payments. I contacted the XXXX XXXX XXXX  again by fax in XX/XX/XXXX to dispute the inaccuracies once again. My student loans date back to XX/XX/XXXX. The agency is reporting the accounts as being 90/120 days late in XX/XX/XXXX. I advised the agent when she contacted me by phone about the deferment being approved during that time period as she agreed, but not backdated to the date in which was requested as the reported delinquent timeframe, as stated in the agreed contract. She stated it may be an error, but because it was awhile back it can not be rectified. This was not a satisfying resolution for the fact it is showing inaccurate, due to staff error and causing me to reflect a low credit score. Later in XX/XX/XXXX, I submitted another complaint through Equifax and received a " verified and confirmed '' status without investigation. Recently, my student loans were consolidated and are in good standings. The issue of the late payments are not my error and the agency has refused to cooperate with resolving this issue.
Complaint sub-issue: Account status incorrect

In 2016 I filled litigation with my bankruptcy against the student loan companies I owed money too. AES, XXXX, XXXX XXXX, ie, XXXX, ie XXXX, is all the same company I borrowed loans from. When I could not repay, I filed and made an arrangement with XXXX lawyers and my lawyer. XXXX decided to discharge the debts owed to them. XXXX is still trying to Collect said debts and is still Reporting to the credit agencies when this was resolved in 2016. This needs to stop. I have disputed these debts. I also have tried to talk with the companies. Twice, I also have mailed copy of the court documents stating that navient agrees to discharge my debts to all 3 credit companies. XXXX, XXXX XXXX, and XXXX needs to stop reaffirming a debt they agreed to discharge.
Complaint sub-issue: Reporting company used your report improperly

Hello, I received XXXX HARD INQUIRIES on my credit report that were NOT authorized by myself in writing,, nor did I provide any permissions to have my credit pulled on XXXX individual dates : XX/XX/2021, XX/XX/2021 and XX/XX/2021. 

I have NOT applied for aany products from 'XXXX XXXX ' thru " XXXX XXXX Bank XXXX XXXX Ive attached the snapshot from my credit report that articulates these fraudulent requests I need to have these removed from Equifax XXXX XXXX and XXXX.
Complaint sub-issue: Old information reappears or never goes away

A new account appeared on my credit with all 3 reporting agencys. The original creditor is from XXXX XXXX. This was previously disputed and deleted from all my reports. It has since reappeared under XXXX XXXX ( XXXX XXXX ). This has now caused my score to drop and it should never been put on. This should be deleted as it previously once was.