Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Privacy issues

I have been going through a very complex child custody battle since XX/XX/20. Opposing party and I were NEVER married, never lived together, resided in two different states. Never shared or conjoined any bank accounts, NOTHING. I raised my daughter for 10 yrs.and I never received ANYTHING FROM OPPOSING PARTY. 
His attorney issued a subpoena to my Discover Credit Cards Co. demanding they produce all my personal and private information ( attached ). Discover is claiming they will comply with request if I dont produce a court order saying otherwise. However, the subpoena is NOT court ordered, it is NOT signed by a judge, merely a request. I reached out to Discover and made it very clear that I DO AUTHORIZE THE RELEASE OF ANY OF MY PERSONAL AND PRIVATE INFORMATION.
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft, accounts had been opened in my name so, I'm requesting these information to be block from my credit report in accordance with the FCRA.This has cause a great damage to my ability to get a better job as well as get funding .Please remove thesee items and all none account holding iquiries from my credit report, an FTC and a police report had been filed, they will be attach to this complaint.
Complaint sub-issue: Information is missing that should be on the report

Opinion on Credit Reporting Bureaus- WHAT i AM POSTING IS CONFIRMED BY THESE AGENCIES OWN ADMISSION. tHEY ONLY REPORT WHAT THE LENDERS SEND A fraud is the deliberate misrepresentation of facts. My credit scores and billions do NOT reflect accurately. Hence we are at the mercy of banks and all lenders. Right now we are locked out of all fiance options and suffer higher than available rates and usury! The FTC directed me to you. My scores even while debts paid down - if scores are not REAL TIME- ACCURATE- AND TIMELY THEY ARE FOR ANYONE TO ASCERTAIN WRONG. AND DELIBERATELY POSTING AND CALCULATING SCORES USING FAlSE DATA WILL PRODUCE INCORRECT RESULTS AND A NEGATIVE FOR THE BORROROWER Definition of fraud XXXX 1a : deceit, trickery specifically : intentional perversion of truth in order to induce another to part with something of value or to surrender a legal right was accused of credit card fraud b : an act of deceiving or misrepresenting : trick automobile insurance frauds 2a : a person who is not what he or she pretends to be : impostor He claimed to be a licensed psychologist, but he turned out to be a fraud. also : one who defrauds : cheat b : one that is not what it seems or is represented to be The UFO picture was proved to be a fraud. 

My Reports and ScoresUPDATE MY REPORT XXXX XXXX XXXX Updated XX/XX/2021 XXXX Updated XX/XX/2021 XXXX A sham sin they were XXXX just a day ago. 
Opinion- This farce has continued since inception and is by opinion a blight on the morality of the nation!
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I made an agreement with Jefferson Capital on behalf of an unpaid debt to XXXX XXXX. The agreement was to be settled for half the debt and upon receiving the last payment, the debt would be considered paid in full. This company still reports to the creditors that I owe the rest of the debt, when I in fact do not. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have XXXX get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Not given enough info to verify debt

I have a a unverified account XXXX. I had previously disputed this account with BAY AREA CREDIT SERVICE. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt XXXX purport I owe.This is a old account from XXXX XXXX XXXX ( bal. {$250.00} ) that has been sold at least four times to various Third Party collections agencies and the previous agencies could not validate the account and it was deleted form my XXXX credit report. 
I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/ 2017 I went to XXXX XXXX, with a pre-approved letter from XXXX XXXX Auto Finance. The finance manager, took my letter and application which he made clear he would not run my credit by with XXXX XXXX and XXXX XXXX ONLY. 

It was not until 4 weeks later, I find out thru XXXX XXXX that in fact he ran my credit thru 6 companies, XXXX XXXX ( XXXX XXXX XXXX XXXX  Manager ), apologized for this beahvior and the best I know 4 inquiries were removed, but XXXX XXXX, which has sent my 2 letters saying the inquiries were removed, still have not been removed and XXXX XXXX should also be removed. I have letters attached. 
Please help me get these 2 inquiries removed from Equifax and any other credit companies they may appear with.
Complaint sub-issue: Their investigation did not fix an error on your report

This debt was sold from XXXX XXXX XXXX XXXX XXXX XXXX I know this because I called XXXX to make the payment, who sent me to XXXX. This debt was paid in full to XXXX XXXX on XX/XX/2001 despite NEVER receiving any communications from them. This is not an OPEN account with XXXX XXXX. I have disputed this account on multiple occasions because XXXX XXXX and XXXX refuse to report accurate information and delete the accounts as agreed. NONE OF THE INFORMATION MATCHES ACROSS AGENCIES. If the agencies are properly validating these accounts then shouldnt they all be getting the same information? Yet all XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Equifax ) continue to ignore my disputes and mark it as verified as accurate. When, in reality, they can not even accurately or legally validate the account. I want these accounts removed from my credit report immediately in accordance with FCRA regulations. XXXX XXXX has illegally added this account as a NEW and OPEN account on my report. Inconsistencies include : Account Type, Account Status, Account Numbers, Date Last Active, Date Last Payment, Date Last Reported, Date Open, Payment Status, Credit limit, and comments. XXXX and XXXX have missing information. These accounts have negatively affected my ability to get a credit card, a loan, a mortgage, and they are negatively affecting my military security clearance.
Complaint sub-issue: Problem with personal statement of dispute

I recently sold my home due to a divorce and closed on the property on XX/XX/XXXX. I am in the process of trying to purchase a new home and had a credit report run to see what I qualify for. The report came back with a late payment showing in XXXX, XXXX, and XX/XX/XXXX. I do not understand the late payments that were reported to the credit bureau in XXXX and XX/XX/XXXX as the loan was paid in full on XX/XX/XXXX ( I have wire transfer confirmation ). 

Loancare took over my previous mortgage with XXXX, as XXXX went bankrupt. The change took place and paperwork was sent out in XX/XX/XXXX. I tried to make a payment for XXXX, but Loancare was working on setting up the new account and said there was a 60 grace period, so I sent my payment to XXXX thinking this would be forwarded to Loancare because I did not want to miss a payment ... this never occurred, so my payments were always a month behind. I was in close contact with Loancare monthly and kept them up to date on the progress of the sale of the property. I was always told that everything on the account was fine and to let them know when the sale happened, which I did. I have dates of payments made on the account from XXXX XXXX ... they are as follows : XXXX- {$450.00} posted on XX/XX/XXXX and {$450.00} posted on XX/XX/XXXX XXXX {$450.00} posted on XX/XX/XXXX XXXX {$900.00} posted on XX/XX/XXXX XXXX {$900.00} posted on XX/XX/XXXX XXXX {$900.00} posted on XX/XX/XXXX XXXX {$900.00} posted on XX/XX/XXXX XXXX transfer was made on XX/XX/XXXX for full remaining balance. 

I had reached out to XXXX XXXX/Loancare early XX/XX/XXXX to let them know about the incorrect late charges on my credit report and I had to escalate a dispute to the credit department per email, which I did. I was told I would have an answer the end of XXXX, which I did not. I called several other times to speak with the credit department, but apparently they do not take calls or have a phone number. So, I finally spoke to a manager that said I may not have an answer until the end of XXXX, which was true. I received a letter on XX/XX/XXXX that said the dispute was reviewed and the info submitted to the credit bureau was accurate. I immediately called back to discuss and again, no way of speaking with anyone. This has affected my ability to purchase a new home as I can not have three late payments reported. Again, I can understand the report as late for XXXX because of the missed applied payment, but not for XXXX or XX/XX/XXXX as the loan was paid in full on XX/XX/XXXX. Can you please assist? I would greatly appreciate the help!
Complaint sub-issue: Was not notified of investigation status or results

Recently i did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I sent a letter by email requesting that Equifax investigate or delete disputed items from my credit report as well as remove these items from my report during the investigation period. I would like to point out this is a discriminatory practice. Equifax has decided to violate federal credit laws. 

As an XXXX-American I have been denied credit based on the incorrect information and the failure of the credit organization to remove the accounts. This is dead weight that has impacted heavily on my credit score. 

I have 10 closed accounts on my credit report that should have been removed ten or more year 's ago. Including a paid XXXX XXXX account from XXXX. 

Equifax refused to respond to my inquiries. Because of the failure to report accurate information I was declined a XXXX XXXX because of incorrect and inaccurate information. 

As of this date, Equifax failed to respond to my requests. 

XXXX XXXX XXXX XXXX XXXX is still investigating the matter regarding Equifax adding derogatory information after they were told to remove it. 

Equifax illegally put derogatory information on my credit report. The Under Writer from XXXX picked it up and I had to contact XXXX XXXX to alert them and let them know. XXXX XXXX executive team reached out directly to leadership at Equifax. Their behavior is totally unethical at best. 

I still to date have not received any update on any of the disputes. Nor have I received a updated credit report from Equifax. 

The XXXX XXXX XXXX contacted Equifax on XX/XX/XXXX. Equifax held the complaint for two weeks and failed to resolve the issue. Equifax incorrectly told the XXXX  XXXX XXXX they did not know nothing about me or my complaint yet we have an actual email from Equifax addressed to me. 

They refused to work with the XXXX XXXX XXXX. In addition they lied to the NYS Attorney General back in XXXX. They failed to correct or remove anything. 

The credit report was sent to CEO XXXX XXXX and President XXXX XXXX. I also sent over all of the disputed accounts XX/XX/XXXX. 

The law stipulates that Equifax must investigate within 30 days of receiving my letter and respond within 5 days of completing the investigation. They have not followed the stipulations of the law. In addition, I filed 13 disputes and they closed each one without responding or removing any of the information. 
They are beyond reproach. A data breach settlement of, {$570.00} XXXX yet the behavior continues. They do not care about consumers. They in fact are a part of the problem. 

I need to rely on an accurate and complete statement of my credit profile. They have been told multiple times to remove this information.
Complaint sub-issue: Account status incorrect

There is an account on my credit report in the name of XXXX XXXXXXXX XXXX with an amount of {$3900.00} balance. This account is being PAID monthly. I wrote the bureau about the reporting and they are still reporting it as a derogatory and XXXX days late in XXXX when I made the payment for XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Received bad information about your loan

After making several requests Firstmark has refused to provide documentation regarding my Student loan.
Complaint sub-issue: Problem during payment process

Hello. 

This complaint is against Citi. 
I have a XXXX credit card with Citi. 
Last night, I noticed that they have been taking money out of my checking account without my authorization or consent. 
Specifically, they have taken {$400.00}, {$470.00}, and {$590.00} in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
I called and asked them to return the money to my account because I have never authorized them to withdrawal money from my account. 
First, they claimed that I have enrolled in an automatic withdrawal program which I have never done, and they have no evidence showing that I did. 
So, they refuse to put the money back into my checking account and claim that they have taken the monthly payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Unfortunately, I do not have the money to hire an attorney and need your help. 

XXXX, XXXX XXXX XXXX ( Cell )
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account :
Complaint sub-issue: Other problem

I am having online access for my XXXX Citi XXXX cards for more than XXXX years ... it was working XXXX days back also ... now all of a sudden it stopped working ... i knew my userid and password very well. 

When called Citi - they are telling that I do n't have online access to my account which is not accurate. 

Later I have to create userID all over again and have to manage all my accounts all over again. 

Citi is falling under it 's own weight. There seems to be some hacker 's attack on citi due to which the userIDs have stopped working.
Complaint sub-issue: Was not notified of investigation status or results

I was only informed via a XXXX article that my private information was stolen from Equifax servers back in XX/XX/XXXX. When I input my info on XXXX Equifax link, it confirmed My information was compromised and I would need to enroll in an identity theft product. By enrolling in the ID monitor I waive my rights. This will create a huge ongoing inconvenience and could delay a refinance. Equifax has such critical information that this could take many days, hours, or weeks to monitor over a long period of time. The thieves could also wait out the identity theft monitoring and then use my info to damage me. I am very concerned that equifax never contacted me directly, and this happened in XX/XX/XXXX. The identity theft service ca n't even start until XX/XX/XXXX. They have a responsibility to keep all info safe.
Complaint sub-issue: Information is not mine

My report has a former address in XXXX, VA. I have never lived in Virginia anywhere.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

CARD.COM ALLOWED A COMPANY UNFAMILIAR TO ME NAMED, XXXX PAYMENTS TO TAKE {$110.00} OUT OF MY ACCOUNT WITHOUT MY CONSENT. THESE FUNDS WERE MY XXXX XXXX FUNDS THAT I NEEDED. ON XX/XX/22 I ATTEMPTED TO PURCHASE FROM XXXX  AND THEY DID NOT ACCEPT PREPAID CARDS. TWO DAYS LATER XXXX PAYMENTS TOOK {$110.00} OUT OF MY CARD.COM ACCOUNT WITHOUT MY KNOWLEDGE. I IMMEDIATELY CONTACTED THEM AND GOT THE RUNAROUND. I CALLED, I TEXTED, I WAS TOLD THE ORDER WAS DECLINED AND DID NOT GO THROUGH EVEN THOUGH I KNEW I HAD FUNDS IN MY ACCOUNT. THE MERCHANT CONTINUED TO IGNORE MY REQUESTS TO CANCEL THEIR UNAUTHORIZED CHARGE AND THEY PUSHED TO CREATE A TRACKING NUMBER WHILE I WAS ON THE PHONE WITH THEM AND WHEN I WENT TO CARD.COM TO DISPUTE THE UNAUTHORIZED CHARGE AND PROVIDE THEM WITH ALL THE PROOF I HAD THAT I DID CANCEL THE TRANSACTION THEY JUST IGNORED MY EMAIL PROOF AND DECISIONED THE DISPUTE BY PHONE WITHOUT EVEN TELLING ME. THEIR EXCUSE WAS THAT THE MERCHANT PROVIDED A TRACKING NUMBER. PROVIDING A TRACKING NUMBER DOES NOT MEAN THAT THE PACKAGE WOULD BE DELIVERED, AND CARD.COM SIDED WITH THE MERCHANT AND IGNORED MY EMAIL WITH PROOF THAT I DID CANCEL THE UNAUTHORIZED TRANSACTION. BECAUSE THESE FUNDS WERE MY XXXX XXXX FUNDS I FEEL STRONGLY THAT CARD.COM VIOLATED MY RIGHTS AND ALLOWED MY MONEY TO BE TAKEN AWAY FROM ME. I SHOULD HAVE BEEN GIVEN A PROVISIONAL CREDIT BECAUSE IT WAS MY XXXX XXXX FUNDS WHICH ARE GOVERNMENT FUNDS THAT CAN NOT BE TAMPERED WITH LIKE THAT AND CARD.COM SHOULD HAVE KNOWN THIS BUT OBVIOUSLY THEY DO NOT KNOW THE LAW!!! CARD.COM HAS CONTINUED TO WORK AGAINST ME AND NOT PROVIDE ME THE APPROPRIATE CARDHOLDER ASSISTANCE THAT I SHOULD HAVE RECEIVED AND I AM GOING OUT OF MY WAY TO REPORT THE BEHAVIOR OF CARD.COM AND THE MANNER IN WHICH THEY OPERATE. NOONE SHOULD HAVE TO FIGHT FOR 2 WEEKS FOR THEIR MONEY TO BE CREDITED OR REFUNDED. CARD.COM SHOULD HAVE PAID ATTENTION TO MY DISPUTE FORM AND THE ATTACHMENTS SENT TO THEM BY EMAIL THAT WAS NEVER REVIEWED. I FIND THEIR MANNER IN CONDUCTING BUSINESS TO BE VERY FRIVILOUS AND UNDESERVING AND NOT TO MENTION TERRIBLY UNPROFESSIONAL. I AM APOLLED THAT I AM EVEN DEALING WITH THESE PEOPLE AND THE IGNORANCE THEREOF. I HAVE HAD ENOUGH AND THIS IS WHY I AM REPORTING THEM SO THAT THEY CAN SEE THAT I WILL DO WHATEVER I HAVE TO IN MAKING SURE THAT THEY NEVER DO THIS AGAIN TO ME!! I WILL NOT ALLOW THEM TO GET AWAY WITH IT!! THEIR ACTIONS WERE INAPPROPRIATE, AND EXTREMELY PREJUDICIAL AND THEY DID NOT ADHERE TO THE GUIDELINES THAT ALLOWS A CONSUMER TO SHARE THEIR DOCUMENTS ACCORDINGLY AND I WANT THEM INVESTIGATED AND THIS COMPLAINT PROCESSED IMMEDIATELY! I HAVE ATTACHED MY ORIGINAL PROOF THAT CLEARLY SHOWS CARD.COM THAT I DID REQUEST CANCELLATIONS SEVERAL TIMES BY TEXT, EMAIL AND BY PHONE CALLS TO THE MERCHANT AND IF NOTHING ELSE CARD.COM SHOULD HAVE EXTENDED ME A PROVISIONAL CREDIT BUT INSTEAD THEY IGNORED ME!
Complaint sub-issue: Account information incorrect

XXXX XXXX started randomly reporting a debt on my reports. I wrote the company asking for validation of the debt to include they have the right to collect it and what the debt is for and that it is mine. I got no response. 

I wrote the credit bureaus and XXXX " verified '' this debt as accurate without actually providing the bureaus or me any verification of this debt. 

I do not know this company, I have never done business with them and I have a VERY common name and keep getting false debts attached to me. I feel this company is a scam because they refuse to supply any information to prove this debt or that I owe it to them. 

This company needs to respond to customer complaints and demands for validation and within the 30 days that are allowed by law to get it done. They keep refusing to do so. I believe this violates the FDCPA. I want full documentation on this debt including everything they claim I owe, what it is for, that they have the right to collect it, that they are listed on the contract with the original collector, who the original collector is, and that they are allowed to even collect in my state. Yet, they have provided NOTHING at all.
Complaint sub-issue: Billing dispute for services

RE : XXXX University / XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Website : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transaction Date : XX/XX/XXXX Amount Paid : XXXX Payment Method : Personal Check or Bank Debit XXXX Falsified Multiple Federal and State Documents under my student Identification number ( XXXX ) applying my federal grants and Federal loans for semesters after my withdraw from the university on XX/XX/XXXX . Semesters that were falsely applied ran from XX/XX/XXXX-XX/XX/XXXX. 
Pell Grant amount applied- {$3500.00} Stafford Subsidized Loan- {$3500.00} Stafford In-subsidized Loan- {$6000.00} Student Payments expected- {$670.00} Scholarship Used- {$750.00} Funding Plan ID : XXXX Version : 1 Generated XX/XX/XXXX Regardless of Withdrawal this amounts were authorized and processed. Eventually reflecting as negative accounts on my credit score for years. An stoping me from continuing my education because a the school refused to release my transcripts. 

Taxes were filed on a XXXX XXXX XXXX XXXX. 
XXXX XXXX University XXXX Filer Federal Identification no.XXXX Student SS # XXXX Payments Received {$6400.00} Scholarship or Grants {$1700.00} Service provider/Acct. No. XXXX