Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt resulted from identity theft

XXXX XXXX XXXX XXXX XXXX have filed a lawsuit against me for transactions I disputed on my Discover Business card. I provided XXXX XXXX with copies of FTC IDTheft Affidavit, XXXX police reports and copy of IDTheft protection product coverage paid for 4 years to discover. Also, XX/XX/XXXX a lawsuit class action against Experian was settled on individual basis. Experian was the provider of the IDTheft product I paid Discover every month since XX/XX/XXXX. All documents were ignored and thus costing me thousands of dollars to fight. I have not been able to turn in claim re-emburisment papers as this is never ending. I spoke to XXXX XXXX, attorney from US Dept of Justice and sent him various recorded conversations of people posing as federal officials threatening to seize all property and jail me but could not offer help, per se. NV AttorneyGenerals office told me to file a " private right of action '' but I ca n't find an attorney licensed in NV. Discover and XXXX have violated in excess of XXXX consumer violations including facilitating third-party payment processors and high-risk merchants illegal activity on my cards and provided no risk management. In fact, " I provided an obscene amount of documents from websites scam reports, blacklist, XXXX, even CFPB 's case fining Discover XXXX for their IDTheft product. I 've pressured corporate office fraud/disputes to review my case and demanded documentation validating disputed transactions. Nothing was done and letters stating charges were valid, were sent and no docs showing a bonified offer or service. I have also made a {$2000.00} payment that did not post or reflect my balance and Discover debited my XXXX XXXX checking account XXXX unauthorized. This caused overdrawn fees and return check fees. They have pounded and dictated my life for years, took my money, ruined my credit, and made me unable to get a job. My life as I knew it is gone. I 'm not the same person. I do n't trust ANYONE, I 'm unable to focus & complete tasks, and i 'm an hour late for everything because of anxiety of leaving my home. it seems people or XXXX dollar companies can do whatever they want to whomever they want and there 's nothing I 've been able to do about it. Discover and XXXX XXXX have ruined my life and my relationships from living in constant crisis in defensive mode. I 've done so much research and work and none of it has been acknowledged or taken into consideration as to my dispute. I feel like I 'm spinning my wheels and it 's a state of hopelessness to get any kind of justification for the criminal and fraudulent happenings that are taking place, from any government entity. I do not presume to have the knowledge that your division has spent years of experience and perfecting what is a fair penalty for consumer red dress, but I implore you and seek your intervention as I no longer can fight. I am financially out of resources.
Complaint sub-issue: Information is missing that should be on the report

XX/XX/2021, I received an alert that my credit score had dropped considerably. I clicked on the alert via XXXX XXXX and saw that Equifax had removed a valid credit card from my credit report without consent from XXXX XXXX / XXXX XXXX Surge Card or me, the account holder. This caused a significant drop of 95 points on my credit. When I called, I spoke to 4 different people and even had them escalate to a supervisor to no avail. These people were very rude to me. None of them were able to explain anything to me. They could not tell me why this account came off my report and hurt my credit. So, I proceeded to call my account management with XXXX XXXX and asked for a supervisor. That supervisor said that Equifax knows about the issue that they are having with the error in updating the reports and that they don't know when it will be fixed. I am in the middle of a refinance on my mortgage and now will definitely be denied because of this " error ''. This is causing me significant stress and financial hardship. I am a single mother and depend on the hard work that I have put into my credit to bring my score to an approvable level. I want my account updated immediately and score corrected. I do not have another year to try to build back up the score that I have spent YEARS fixing already.
Complaint sub-issue: Debt is not yours

I am a CONSUMER and Jpay is collecting a debt that has not been verified. They are and have violated and discriminated against me. False and misleading. 15 USC 1692A and 1692E ....! 9 USC 1520
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, this is XXXX XXXX I want to submit this complaint because I have sent three rounds of dispute letters to XXXX. One for the illegal collection fees on the account. And two asking for the original contracts of the supposed account. Three, asking for method of verification. After all this accounts remain with no method of verification and illegaly reinsertion of collection agency once already removed from credit report.
Complaint sub-issue: Information belongs to someone else

somebody stole my identity while I was sick, And is ruining my credit by making outrageous purchases. I have no knowledge of what and who this could be.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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: Didn't receive notice of right to dispute

I received an alert from XXXX XXXX saying a collection was added. I had no knowledge of the collection until I received the alert from XXXX XXXX. I never received a phone nor letter advising me to dispute the validity of this debt. It is affecting my credit and need it removed. Im supposed to receive notification to dispute, and if I dont respond within 30 days then it can be added to my report, instead they added it without giving me the opportunity to dispute the validity of the debt
Complaint sub-issue: Reporting company used your report improperly

Ive contacted and complained to all of the inquiries to each company no response
Complaint sub-issue: Information is not mine

Credit history request- never authorized, company not recognized
Complaint sub-issue: Information belongs to someone else

I have this account that does not belong to me and i want it to be remove from my credit report. 

1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine.
Complaint sub-issue: Information belongs to someone else

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a car. XXXX XXXX XXXX, and XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX
Complaint sub-issue: Public record information inaccurate

I recently sent in a letter disputing various items on my Equifax Credit report in XX/XX/XXXX and did not receieve a response within the 30 days of XXXX recieving my disputes. Furthermore I recieved correspondence XX/XX/XXXX ignoring my previous disputes. I am requesting that my XXXX Credit Report Reflect Accurate Information and the disputed items listed per the attached document be deleted immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

Complaint # XXXX was closed prematurely. Equifax did not resolve the issue. The evidence I sent in the complaint mentioned above was no evidence. I also submitted this information through the mail. You have an obligation to report accurate, complete and verified information. I submitted proof that the so-called verified bankruptcy with no financial accounts was removed from XXXX. The account XXXX XXXX XXXX XXXX # XXXX that you have as part of the bankruptcy was verified by XXXX as a paid charge off account. So again how did you verify it as part of a bankruptcy? Credit Bureaus are obligated under the FCRA to report and verify the information and not reporting different information for the same account. It is violating my rights as a consumer. Please do not answer this complaint with a generated automated response. I need this to be investigated and to report accurately on my report. When you file bankruptcy there have to be accounts filed under the bankruptcy. There are none. What is the purpose of filing bankruptcy with no accounts or financial information?
Complaint sub-issue: Didn't receive enough information to verify debt

I currently have an account with a debt collection company EOS ( Account Number XXXX ) that is collecting on an outstanding XXXX XXXX Account. I sent a payment via certified mail on XXXX XXXX in the amount of {$110.00}. I called the company earlier today ( XXXX XXXX ) requesting a payment receipt. The representative told me that they are unable to provide me with a receipt. I told the representative that this was completely unheard of because as a customer I have the right to know whether or not the company received my payment or not. Especially since I 'm sending this via postal mail I have no idea whether or not the payment was received. I deserve to know whether or not my payments are being credited to my account.
Complaint sub-issue: Other problem getting your report or credit score

Equifax Confirmation Number - # XXXX As of XX/XX/2018 I have tried for the 1001th time to gain access to my Equifax credit reports, I have submitted my PROOF OF IDENTIFICATION on more than one occasion, I have submitted my id, social security card proof of address. I am MAKING a complaint because they are charging me {$29.00} a month and I can't access my EQUIFAX credit report with the confirmation numbers they have provided! Again, I have tried to access my credit reports ONLINE since XX/XX/2018.
Complaint sub-issue: Trouble with how payments are being handled

First, about a month ago, AES charged me {$4000.00} in interest for ONE day and they also would not help me change my due date to better suit my paychecks. Then they negatively reported my account to the credit bureaus. After reporting them to the XXXX, they fixed it. 

Now the payments are due on the XXXX of each and every month. This past XXXX (XX/XX/XXXX ), I noticed my payment did not come out of my checking account NOR did it post to my account on AES. When I checked to make sure that no payments were pending, I made a payment as a warning on my account said the payment was due and late. Note that I believed I had a direct debit set up but their system said I did not. So I made a payment. I then checked the next day and it now showed two payments ( one on the XXXX and one on the XXXX ). I called them and complained and said they needed to return one payment and I told them the problem and they said " there is nothing they can do and it would take 30 days to return my money ''. This is NOT ACCEPTABLE. This loan company has been XXXX  me over for a long time.
Complaint sub-issue: Account status incorrect

I am filing CFPB complaint because the bureaus have not properly provided a reasonable response when I sent them a dispute via certified mail the DISPUTED ACCOUNT CHILD SUPPORT XXXX {$18000.00} Account XXXX Closed. I have asked them to validation, is account in collection, is it late or is it open or closed. Based on all the reports the account is not late and is closed. Why are they reporting otherwise. Additionally, my child is an adult and I am still helping him out. Please provide what right they have to collect under the fair credit and billing act? 

3 facts ( XXXX and Equifax report show different account name and balance ; XXXX report show different account name, balance and closed ). XXXX, XXXX and Equifax have violated my right under the FCR, FTC and Fair credit and billing act by inaccurate reporting on my XXXX and Equifax credit report. XXXX has a different account number and different account balance as shown here ( DISPUTED ACCOUNT CHILD SUPPORT XXXX {$18000.00} Account XXXX Closed ) while Equifax reported something totally different as show here ( CHILD SUPPORT Account Number XXXX XXXX Reported Balance {$18000.00} ). For your reference this case has been closed so why is it still on my credit report. Because of this inaccurate reporting you have hampered my financial future in obtaining financial readiness. Please delete this immediately. ) As a father, I take this seriously. My child is XXXX yrs of age and I am still paying {$200.00} per month to help my children. By law I know all information on the credit report must be 100 % accurate, with no errors and must be verifiable. I know these information are not correct. Please delete this immediately. I am currently working with CFPB to request their assistance in this matter. I wish to see the original sources of the information reported including, but not limited to, the original contract or agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. I have requested the XXXX and Equifax to correct their mistake. I have attached XXXX and Equifax reports to show the discrepancies.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the FAIR CREDIT REPORTING ACT SECTION 611 ( 15 U.S.C. 1681i ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I have sent out letter numerous of time regarding the inaccurate and unfair information report on this account. UNDER the FCRA, credit reporting laws ensure that bureaus report only 100 % accurate credit information. Therefore, I demand this account be UPDATED/CORRECTED immediately before legal action is taken!
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I spoken to discover many times and I ask then to help me out since I 'm still experiencing a hardship financially on my minimum payments. 
I ca n't afford the minimum payment is to high. I ca n't not pay XXXX and up its to much 5 months ago discover enrolled me in a plan which help reduce the interest rate lowered as low as 9 % or 7 % or lower. I was told that if after the 5 or 6 months they gave me if I was still struggling and if my emergency and financial situation was the same that I could contact discover back to enroll for another 6 month or 1 year depending on the offer they can get me. I am very upset because discover denied me the help I need. I need help now. My intention and priority is to pay all My statement balance in a period of time little by little but having just the minimum payment been high it is difficult for me and ca n't afford that payment and interest at this time. I wish my payments was as low as 30.00 to 40.00 each month like the 5 month or 6 I was only paying XXXX It was very helpful. 

I was also promise no late fees and u was also promise no interest charges for the 6 or 5 months but I did got interest charges fees and I told discover why if they promise to wave those 6 month or 5 of no interest charges on purchases but they still did. My account did n't changed much because they lied on not charging .e the purchase interest charges that is why it did n't lowered .Y balance as I have a XXXX payment rhe interest purchase charge was 35 to 45.00 so not a big change. This is approximately. 
I feel rejected and I feel left behind moments like this is wen I need help the most.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX I received an alert notice from XXXX XXXX XXXX, an XXXX  company. They had received a report from Equifax regarding negative activity on my credit report ( attached ). It states that XXXX XXXX had reported my account with the as " Bad Debt '' and " Placed it for collection. '' On XX/XX/XXXX I  received an alert email from XXXX ( attached ) that my FICO rating had changed. My XXXX account details XXXX attached ) show that my credit score dropped 60 point on the XX/XX/XXXX and recommended I contact XXXX. 

I have contacted all three credit bureaus and filed disputed with Equifax and XXXX. XXXX referred me to Equifax as the reporting bureau. I will, however, re-attempt to file a dispute / notification with that agency. 

I dispute the negative impact of the " Bad Debt '' classification and the referral to a collection agency, XXXX XXXX, XXXX. I was never informed that such a step was being considered or given an opportunity to payoff my balance with XXXX XXXX, which I would have done. My credit reports ( XXXX 's is attached ) document an unblemished 81-month payment history. I also have routinely paid twice the minimum required monthly payment amount. My latest statement is attached, and I can provide two years of statements if needed.
Complaint sub-issue: Reporting company used your report improperly

My Personal information has been stolen. I am a victim of the XXXX 2017 Equifax hack
Complaint sub-issue: Information belongs to someone else

I have hard inquiries that are fraud this does not belong to me this one is from 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 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 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
Complaint sub-issue: Deposits and withdrawals

I have had an open and active Square account since last year. Upon getting the account I had to send in to t hem all of the required documentation to open the business account. Since XXXX Square has placed a hold each time I have had a client or customer to make a payment via the device terminal I purchased through them. They continue to ask me the same questions that I have already answered before and they put holds on my deposits. I was asked on yesterday about manual transactions which none of them were manual the clients used the terminal to swipe their cards. I am not understanding why they keep doing this. I have noticed they have over XXXX reviews since last month of them doing this other account holders and holding their funds for 90 days for no reason.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to the 3 Credit Bureaus was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$890.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX  XXXX : {$740.00} XXXX XXXX XXXX XXXX : {$0.00}
Complaint sub-issue: Account information incorrect

Third time I have submitted dispute with Equifax for incorrect information on paid balances. All collections were paid XX/XX/2022 at time of closing of real estate. XXXX XXXX has already corrected XXXX of the XXXX issues. Equifax has incorrectly identified me as XXXX XXXX. Equifax is refusing to accept downloads for documentation. Equifax has a XXXX balance posted on a paid collection account. Equifax is unfairly and purposely engaged in targeted harassment against me. The average point increase for payment of collections is an average of XXXX points increase per paid collections according to the webpage in writing. Equifax has increased my score by XXXX points for paying XXXX accounts in full. Equifax is currently engaged in targeted harassment and unfair business practices directed at me. The closing of property is public records. Title company is not going to allow me to sell property without paying all collections at time of close. Equifax is purple not changing my score in spite of payment. Erroneous and inaccurate information is my entire account with Equifax. Equifax is no longer accepting any documentation from me via them dispute website. I believe that this is targeted discrimination in response of me questioning against the inaccuracies of their business
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2022, I have disputed a bankruptcy with nationwide consumer reporting agencies Equifax, XXXX and XXXX. They are reporting an inaccurate bankruptcy in my public records. So I did some investigating and contacted XXXX. XXXX sent me a letter stating the nationwide consumer reporting agencies reported the address XXXX XXXX XXXX, XXXX, NC XXXX back to XXXX when I disputed this bankruptcy. I ( HIGHLIGHTED ) the sentence of the ATTACHED document. THIS ADDRESS IS NOT ON MY CONSUMER CREDIT REPORT. I also called the three credit agencies and recorded the call. I asked the agents if this address was on my report and the agents said, NO. I REQUEST A REINVESTIGATION. Refer your investigation to the document XXXX sent me as evidence that the address is inaccurate and the bankruptcy must be removed. This clearly is a violation of the FCRA 15 U.S code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.