Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem

i received a discover credit card that replaces my old one.

I'm not sure if this is a problem, the new one doesn't have the hologram on the back of the card. My old one does. This is a red flag for me because all of my credit cards have holograms on the back. And all of my moms and friends cards have holograms. I called discover and even used the chat function on discover website and I wasn't given a definitive answer. Stuff like some cards don't have the hologram on the back. I'm not sure why they would get rid of a feature like this that helps consumers identify fake cards. I am not sure what to do. Looks like my old card except for the hologram and new security code. There is no information on the discover website that helps me with pictures of a card, or information on holograms. I'm not sure what to do.
Complaint sub-issue: Deposits and withdrawals

Re : Account Interest Checking-  XXXX   CITIBANK promis ed a {$400.00} new account promotion for depositing {$15000.00} and maintaining a balance there for some time.     I made the deposit and continued to increase my account balance over the next 90 days . For one emergency situation, I withdrew {$40.00} or {$60.00} from a Citibank ATM, w hich had my balance dip below {$15000.00} temporarily.     However, I continued to make deposits in to my Citibank account  and maintained a balance north of {$15000.00} and north of {$20000.00} for some time.     I called the  XXXX  customer service number a few times to inquire about my bonus - first in   XXXX   XXXX   and again in   XXXX   XXXX  . Both times I was assured that I had already fulfilled the requirements and that the bonus would be credited at some time in the future.     When I inquired again about the bonus in   XXXX   XXXX  ,  Citibank then den ied me the bonus. I requested an investigation by the  Citibank Executive Response Unit and again I encountered unprofessional and deceitful  behavior by  XXXX   XXXX  and  XXXX   XXXX , who sit in  XXXX   XXXX , Texas.      XXXX   XXXX  stated that they received all account records and calls and said no one ever said that I earned the bonus. I immediately told her that this was false, because I was told on a few occasions by customer service representatives that I had earned the bonus.      XXXX   XXXX  then stated that I spoke on the phone with  XXXX   XXXX  about the results, which again was false. And  XXXX   XXXX  that  XXXX   XXXX  mailed the results, which again  is FALSE.      I am now in process of closing the account, but I am still insisting that  Citibank  abides by the promise, sinc e Citibank told me t wice that I had, in fact, earned the bonus.
Complaint sub-issue: Debt was paid

A collection account was added to my XXXX credit report on XXXX/XXXX/XXXX. By collection company called Avante for the amount of {$1600.00}. A debt that has already been paid for by my insurance company back in XXXX. Placing the account at a XXXX balance. Although this account has been paid. The collection agency keeps reselling the account. Causing it to reappear on my credit report. It is unlawful for a collection agency to report inaccurate information on a consumer credit report.
Complaint sub-issue: Information belongs to someone else

This is my second attempt to reach out to your company. It has been 90 days since Ive received any response from your company. I have attached a letter and I would like for you to perform an internal investigation and remove the erroneous accounts you have listed on my report. I have attached an FTC report. I am allowing 5 days for your company to remove the erroneous accounts off my report permanently. I have record that this is my second attempt.
Complaint sub-issue: Information belongs to someone else

I have been trying to fix my credit for quite a few months now. There has been some collections and other accounts placed on my credit due to someone else. I have filed a police report with my local police department and was advised to file a complaint here as well.
Complaint sub-issue: Information belongs to someone else

Fraudulent account identity theft XXXX XXXX XXXX XXXX XX/XX/15 XXXX XXXX
Complaint sub-issue: Debt was paid

I am applying for a mortgage and was getting a pre approval when my loan officer told me I had a collections debt from XXXX still on my credit report from 2010. First of all, that debt was my father 's not mine but they attached it to my name and it affected my credit in XXXX when I was applying for a mortgage the first time. I went with my father personally to the place and paid that debt for him in order to get it taken off of my credit history. Now again, it 's still on my history after settling and paying the debt of {$2200.00}. I need to get this removed because it is lowering my credit score. I have to paperwork dated XXXX XXXX 2010 to prove it. There is also a pending class action law suit vs. XXXX collections agency that I an a part of. Please help.
Complaint sub-issue: Information belongs to someone else

I have requested they provide proof that these items belong to me and no such proof was provided they are in multiple violations of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame. They have also failed to provide any proof of ownership for accounts circled in attached report.
Complaint sub-issue: Account information incorrect

The Credit Bureau has failed to remove my disputed items. They have not sent proof of Validation for any of the following Disputed Items. 

The 1st Dispute letters were sent out on XX/XX/XXXX, This letter asked for any copies of documents that they have that verifies the accuracy of the accounts. These letters were sent to XXXX, XXXX, and Equifax. They failed to send any proof of validation of the debt. The Second letters were sent out on XX/XX/XXXX. The third was sent on XX/XX/XXXX. No proof was every mail to me, the only item mailed to me was a bill sent from XXXX XXXX XXXX. 

After looking at the Fair Debt Collection Act, I have found many violations that the Credit Bureau is allowing to happen. I have sent these violations to each Bureau with an attached Invoice for their lack of protecting the consumer right.
Complaint sub-issue: Problem with customer service

Upon reading Citi Bank 's response letter sent to me yesterday I collected from it very little acknowledgement and still no understanding of the series of concerns and questions I have been reporting to them. Nothing at all was mentioned regarding the following, the fraud that took place at the same time as my credit increase request. Not even an explanation as to why I received numerous letters from Citi Bank to contact them regarding my credit increase, then when I contacted the phone number referenced on their letter no one at all helped or directed me to the correct direction. Furthermore, the many supervisors I spoke to who said they reviewed my concern regarding the discrepancy of my credit limit increase assuring me that it will be fixed and granted and noted on my account for the credit analysts. Moreover, calling customer service numerous times ( more than 15 times ) and not a single representative was able to accurately assist and resolve my concern. Finally, a reason and correction as to why did the customer representatives upon calling continuously requested a credit increase which lead to credit inquiries on my credit file was done to begin with and most importantly without my authorization or consent. To summarize I strongly feel that my report to Citi Bank to this date has been reviewed poorly and not in any way considered fairly and in goodwill. I am still expecting a more thorough review and a reasonable response with either it has been corrected or even not and a detailed response as to why it can not be corrected. I was told by XXXX at Citi Bank whom I have spoken to two times for a very short period that she was going to review the recorded calls. I still want to know in addition to my other questions above that if she reviewed the calls them why her response to me in no way solved any of my concerns? I can assure you that if in fact the calls were reviewed she or whomever will hear all that took place and how I was treated and misguided.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2019 XXXX XXXX XXXX XXXX illegal checked my credit when told to remedy it they hung up and insisted they will do what they want even if its in violation of the FCRA several attempts to have them remove the inquiry which they had no permission has failed and they have damage our ability to get a loan ..
Complaint sub-issue: Account information incorrect

I had a Best Buy credit card through CBNA that was closed with a {$0.00} balance in XXXX. Citibank confirmed this with me on the phone on XX/XX/18. However, XXXX is reporting that this account is delinquent and has a balance associated with it. According to the customer rep at XXXX XXXX, Citibank is telling XXXX there is an open account with an owed debt on it. This is completely different than what they are telling me and what I know to be true!
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I've been a customer of Macy 's since 1982. Disgracefully, they have my credit limit at {$1300.00}. I wanted to make a furniture purchase that totaled {$1400.00}. My credit score is XXXX, my household income is $ XXXX combined, I lifted the credit freezes I keep on my account for safety reasons and they refused to increase my account despite a long and exemplary credit record with them. I believe this is due to my age and ethnicity - I'm XXXX  and do not fit the demographic they target in their advertising.
Complaint sub-issue: Personal information

I 've never lived outside the state of XXXX and the report reflects XXXX addresses in XXXX XXXX, XXXX. I have never lived at that address, nor have I ever lived in XXXX. I 'm not sure what documents I could provide that I HAVE NEVER lived in XXXX.
Complaint sub-issue: Information belongs to someone else

Inaccurate information reporting on my credit report that are not mine. I have contacted Equifax, XXXX, XXXX several times via phone, online and via first class mailings on many occasions in regard to inquiries that is reporting inaccurately. I even provided a police report and I get the same response each time that they have been removed but they are still appearing on my report. It makes it look very bad on my credit report and reporting negatively/inaccurately. I am trying to finance something on my credit report and it makes it very difficult when theyre checking my credit and this inaccurate information is appearing. I have disputed and reached out to Equifax, XXXX, XXXX several times and they say the same thing over and over, that we have removed them but they have not sent me anything in writing with proof of the removals. After they were going to mail out letters confirming the removal of the disputed inquiries. Equifax, XXXX, XXXX needs to provide proof of validation of these being removed and the results of my disputes. When I call Equifax, XXXX, XXXX they keep telling me that their handling it and I should see an update and I never do. The last rep I talked to stated he was taking care of it only to find out he had the account set to auto review as the next representative stated in the last phone call, I haven't had any luck with this. The following inquiries is what is being reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX How can all the bureaus be using the same information, but some bureaus are reporting correctly & the others are saying verified which is totally incorrect. In addition my Equifax and XXXX score does not reflect my credit profile.
Complaint sub-issue: Debt was paid

On XX/XX/2022, I The consumer notified XXXX now part of XXXX of the continue billing error on account # XXXX that was not updated and got a case # for XXXX, XXXX now part of XXXX representative told I the consumer that it was still a balance due on the account of {$610.00} that I the consumer owe, I notified the representative that I sent Tender of payment pursuant to UCC 3-603 and Endorsed the Instrument WITHOUT RECOURSE pursuant to UCC 3-415 ( b ) through the mail on XX/XX/2022 and it was received on XX/XX/2022 by a XXXX XXXX, at the time the payment was {$510.00}, XXXX now part of XXXX never denied or returned my Instrument therefore accepting the Instrument and still claiming I the Consumer owe this alleged debt that haven't been validated nor verified pursuant to 15 USC 1692g- Validation of debt which is a violation of the ( FDCPA ) federal Law, XXXX now part of XXXX is in violation of UCC 3-309 ENFORCEMENT OF LOST, DESTROYED, OR STOLEN INSTRUMENT as well XXXX I the consumer ask for the supervisor and the representative transferred me over to a ( XXXX XXXX, ID XXXX ) operating out of I.C. System Inc. I thought he was a supervisor, turned out to be a DEBT COLLECTOR which is False or Misleading representation pursuant to title 15 USC 1692e ( 10 ) ( 11 ) -The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer, I the consumer never got FULL DISCLOSER of ANY of these terms, XXXX now part of XXXX and I.C. System Inc. are committing IDENTITY THEFT and FRAUD and is in violation of UNFAIR PRACTICES as well pursuant to title 15 USC 1692f. I the Consumer/Beneficiary demand account # XXXX be updated, credited and zeroed out Immediately or I will file for litigation in accordance with the FDCPA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1692k under the civil liability section.
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX, I applied for a loan at my bank and was denied to do items appearing on my credit that I had no knowledge of. The has been a headache as I have reached out to credit bureaus and i'm not getting anywhere with them, so I choose to reach out to this company. These items appearing on the letters I sent to credit bureau are stopping me from moving forward with my life.
Complaint sub-issue: Information is missing that should be on the report

I open an account with XXXX XXXX XXXX of New Jersey back on XX/XX/2018, it was reporting to XXXX for a few months then stopped. I have contacted the company which they stated that they have been reporting to the credit bureaus every month but the bureau is not listing this account & my payment history. I have called & they tell me to contact the furnisher of the information ask to have the account reinserted which I have done over five times.
Complaint sub-issue: Company closed your account

My account was closed without notice and when I called into the customer service department I was advised the explanation would be sent via mail in 7-10 days. I am due a rewards balance of {$170.00} and was told I would not receive this because my account is closed.
Complaint sub-issue: Reporting company used your report improperly

Discover acct # XXXX I got a credit report and I think it's wrong. I was told I have a right to have a investigation done. Credit reporting laws ensure the bureaus only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. Please make sure everything pertaining to my credit report is correct. Remove the late payments and correctly report the payments on my credit file.
Complaint sub-issue: Attempted to collect wrong amount

According to the State Licensing Requirements the debt collectors that is collecting on my debt for Americollect Inc using address XXXX XXXX XXXX, XXXX, WI XXXX, arent registered nor have they paid their bond with the state of Arkansas, for which this where the debt collection started, nor are they up to date/ licensed with the state of Texas , for which this is my current residency, to collect on the debts. By law, they're violating state requirements, making them non-compliance.
Complaint sub-issue: Account terms and changes

I recently applied for credit monitoring service and was denied. I am unable to monitor my score and agency refuse to allow me to setup service however continue to report inaccurate information.
Complaint sub-issue: Didn't receive notice of right to dispute

I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

I consumer XXXX XXXX XXXX XXXX have had my federally protected consumer rights violated pursuant to 15 usc 1692 multiple times. MRS BPO, L.L.C. mailed me a letter trying to collect on an alleged debt. This letter contained violations of 15 usc 1692 f ( 8 ), there can be no symbols on the outside or inside the mails in the attempt of collection of any debts, 15 usc 1692 e ( 2 ) ( a ) How can MRS BPO, L.L.C., allege I the consumer owes a debt, but the debt is shown in the positive balance? If the balance was owed in a bank account, it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? This amount appears as if it were owed to me ; numerous violations of 15 usc 1692 e ( 10 ), violations of 15 usc 1692 c ( b ) MRS BPO, L.L.C. can not communicate with anyone other than the consumer, an attorney or CRA if permitted by law. However, the debt collector, MRS BPO, L.L.C. has communicated with the all caps name principal obligor, XXXX XXXX XXXX XXXX } and has always referred to my principal obligor and not myself the agent, natural person, and consumer in fact ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 ).
Complaint sub-issue: Reinserted previously deleted info

I have incorrect information in my credit reports as well as information that has been previously deleted and has now been reinserted using slightly different information.
Complaint sub-issue: Trouble with how payments are handled

I completed graduated school in XX/XX/XXXX. I recently received a contact from a debt collector stating she was calling on behalf of PNC loan bank regarding an account I defaulted on in XX/XX/XXXX. I informed her that I had spoken with the company in XXXX and informed them I had been enrolled in graduate school and actively taking classes until at least XXXX. She reported that was not the records she had been given. I inquired that if she had been notified that I defaulted in XXXX why was it just being sent for collections. She reported she did not know. I also asked for the account to be reviewed and contacted the creditor but they refused to give me any information about the account and directed me to the debt collector. I have recently requested information regarding my account from the debt collector, but I have not received any correspondence from her in weeks. I am mostly concerned because when I contacted the creditor they reported they had no contact information from me, but the debt collector claimed she called me the first day she received the debt and she had my personal cell number and address, however I never received any information from PNC about my account being at risk or sent into collections and when I consolidated my student loans in XX/XX/XXXX, they did not agree to allow the account to be consolidated with my federal loans, but I never received anything from them after that either.
Complaint sub-issue: Debt is not yours

Carter-Young cont acted me via collection letter stating I owed   XXXX   XXXX   a debt.   XXXX   XXXX   sued me over the debt and possession of an apartment I did not live in in   XXXX    . I was a co-signer for the resident of the apartment. When the case went to court, the judge ruled in favor of   XXXX   XXXX   for possession of the apartment ONLY but did not rule in favor of the amount being sued for  ( past rent, damages, and attorney fees ). I  have sent copies of the judgement to all three credit reporting agencies for proof with  one rem oving the collections  (   XXXX   ). The  othe r two still  will not remove after multiple attempts.  Carter-Young con tinues to report wrongfully as well. Please see attachments for proof.  Carter-Young ha s not validated the debt with me either only verified. No one has sent me proof of the debt either. There is already judgement via small claims court for possession not for the debt which the judge denied.  XXXX  removed the account from my credit reports promptly after seeing the judgment. I have spoke to many lawyers regarding the situation and they state that the plaintiff  (   XXXX   XXXX   ) w on on possession and lost on the rent due, attorney fees, and damages, etc. Why are they able to collect when a judge has already ruled that I am not liable?
Complaint sub-issue: Information belongs to someone else

Despite the fact that I never gave any company authorization to contact me as the original creditor and executor, they did so frequently and abusively. Under the Fair Debt Collection Practices Act, 15 USC Section 1692, I was a victim of invasion of privacy.
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. THE NEGATIVE ACCOUNTS DISPUTED HAS BEEN DAMAGING MY CREDIT WITHOUT MY KNOWLEDGE. PLEASE RE-INVESTIGATE AND REMOVE THE DISPUTED ITEMS OFF MY REPORT.
Complaint sub-issue: Their investigation did not fix an error on your report

I asked XXXX and Equifax and XXXX to be compliant with federal tax code, to which they havent with regards to my complaint.ive filed 3 disputes with all three companies under this premise article 26 the United States Federal Tax Code states : Attempting to collect such monies, fees, etc. for an unsecured debt that has been claimed on federal taxes as a loss, and sold to another company for compendation constitutes fraud in any of the 50 states. Under this premises legally these attached debts arent mine and need to be removed.

When I refer to these debts. I'll attach the debts/creditors charged off on their tax returns these debts, freeing me of any obligation to repay them under as above mentioned article 26 of United states federal tax code. I'm just asking for what is just and legal. These XXXX dollar corporations have recouped their losses and to pay them would be double dipping and collection agencies that buy these debts for pennies on the dollar are committing fraud for trying to collect. I'm asking you to force XXXX and Equifax and XXXX to follow the law and remove these attached debts from my credit report. XXXX followed the law now in asking XXXX and Equifax do the same.
Complaint sub-issue: Other problem getting your report or credit score

Attempted several times to log onto my.equifax.com. After calling equivalent multiple times over the past 8 weeks, the problem remains unresolved.

I can not see my score nor my credit report. Each person claims to assist and that its an IT problem.

Thanks.