Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. 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 n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and 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 three 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 inquiries 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 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, 3 credit bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the listed accounts which i believe were reporting in error. 
XXXX XXXX XXXX XXXX Balance : {$58000.00} XXXX XXXXXXXX XXXX Balance : {$400.00} XXXX XXXX XXXX : {$22000.00} XXXX XXXX  XXXX Balance : {$11000.00}
Complaint sub-issue: Information belongs to someone else

In 2016, I received a letter from US Bank indicating someone attempted to open a credit card using my identity from an unknown address. At that time I reviewed my credit report, saw no activity, but put a fraud alert onto my account. Recently, while applying for new credit, I noted a past due balance with late payment activity on my credit report from US Bank connected to this false address. I contacted the credit bureaus to dispute the activity. XXXX indicated they would not remove this activity from my credit report. I tried calling US Bank to dispute the report, but was put on hold and bounced from number to number for 20 minutes.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX Bankruptcy XXXX
Complaint sub-issue: Account information incorrect

I have been having this Problem for about XXXX years.My mother passed away in XXXX and she was the primary loan holder.At that time I was a co borrower and had my own residence.In XXXX of XXXX my deceased mother 's probate closed and the house was to be paid off.Heres were a serious problem occurred, I was not allowed to close probate because of misleading information on my state record of being a felon.I know you can't be a executioner of a estate if you are XXXX XXXX or have XXXX XXXX XXXX.I didn't have either but wasn't allowed to pay off my mother 's home because of wrongful and XXXX XXXX  keeping by Wisconsin State courts.I was not just a coborrower I am also a heir and also was excluded from closing probate while having a loan to pay off with my deceased mother.My mother 's name wasn't no longer on the mortgage statement so I was on the hook for paying a mortgage off and being robbed of my inheritance by false information by the state of Wisconsin.The Mortgage company XXXX XXXX sold the loan over to XXXX XXXX without knowing that at this point the whole mortgage was fraudulent.XXXX gained the loan and kept billing me without my mother 's name being on the mortgage statement.The illegal probate was the reason my mother 's name was supposed to been kept on the mortgage statement so this wouldn't have happened.Back in XXXX of XXXX after bringing this illegal probate up my mother 's name was placed back on the mortgage state by XXXX XXXX XXXXThis should have let XXXX XXXX XXXX know that had bought a fraudulent loan with a deceased person name on a mortgage statement.XXXX XXXX XXXX threatened me with foreclosure even after finding out the loan was fraudulent.On XX/XX/XXXX of XXXX my home was foreclosed on and I feel like I got robbed because my mother died XXXX XXXX XXXX and this is what she worked so hard for.I know I have been a victim of mortgage fraud and wrongful foreclosure.I need answers and the return of my estate property!!!
Complaint sub-issue: Problem getting my free annual report

Equifax makes it extremely difficult to retrieve your credit report online or to complete the process online when it is due to you for free. However, they allow your to have access to credit report online if you are willing to pay a fee of {$15.00}. They have been oprating this way for at least the last 4 years and this is the first time I have made an attempt to report this behavior. The last I needed to access my credit report immediately was 4 years ago and I could not retrieve it for free through ( XXXX ) without mailing in a verification document. When I elected to pay, no verification was ever requested.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

On or about XX/XX/2019, an arbitration was concluded, with proofs and notices. XXXX XXXX XXXX XXXX. tried to sue me without success because an existing Final Foreign Judgement superseded their attempt at evading the law. The final foreign judgement, confirmed and recorded in XXXX County Superior Court under case XXXX, is evidence of this. 

I have been harassed by flurries of threats and motions/ correspondence by XXXX  XXXX XXXX XXXX , Attorney 's named Nelson & Kennard , Attorney named XXXX XXXX XXXX repeatedly put false claims and affidavits into a court record to try to extort the woman named XXXX XXXX . They knowingly and willingly ignored the previous final foreign judgement in order to enrich themselves and this is against public policy. 

My final foreign judgement against XXXX XXXX XXXX XXXX , Nelson & Kennard, XXXX XXXX, and Consumer Financial Protection Bureau is legal and binding for the amount of XXXX. 

I REQUIRE that any and ALL false credit reports be removed immediately! Furthermore, I require the amount due and owing to the woman, XXXX XXXX, be paid in the amount of {$190000.00}, without delay. This is a final and binding contract agreed to by all parties. The woman, XXXX XXXX has endured, Slander, defamation of character, mental and physical duress, time and money taken to defend a fictitious lawsuit, time away from her life, liberty and pursuit of happiness, which is a fundamental RIGHT. MY rights as a woman, have been depleted. I demand payment, and the reporting of my credit to make me whole. Any attempt for this to remain on my credit report, will require 3X amount awarded in final judgement, inclusive to agreed upon contract. 

The Breach of Contract for trying to litigate outside the contract, and attempting to sue in XXXX County District Court, constitutes 3X the award according to the agreed upon contract. This brings damages to {$580000.00}. Now due and owing according to the agreed upon contract.
Complaint sub-issue: Their investigation did not fix an error on your report

I have listed on my credit report two accounts from XXXX XXXX. One of them was stetted in full with their authorized collection agency XXXX who stated that they inform XXXX but the account is still being reported incorrectly. XXXX is unable to find the second account, i was told that by their collection department since XXXX and that account is still being reported on the credit report even tough they are unable to find it so that I can resolve this matter. I also have been calling them since XXXX and wrote to them without success
Complaint sub-issue: Reporting company used your report improperly

I sent a letter over 60 days ago to Lexis Nexus about inaccurate, incorrect bankruptcies they are reporting on my consumer report to XXXX, XXXX, and XXXX. This company is in violation to ( 1 ) my right to privacy as I have contacted the court and was advised they DO NOT report any information the THIRD PARTIES. ( 2 ) I never gave you permission written or oral to report anything on my credit report which is a complete VIOLATION of 15 USC 1681A ( 4 ) ( b ) ( 2 ) which is to respect my right to privacy as a consumer. Violation # 2 Under 15 U.S. Code 1681b- Permissible purpose of consumer reports which means you had no right to utilize my report as this was not for unemployment nor insurance. I have failed to hear any response from Lexis Nexus and I'm tired of my request being ignored. It has been more than enough time to respond to me and this is a violation under FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with FEDLOAN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureas and FEDLOAN with no successful resolution. All 3 bureausonly reporting me late. There was definitely an error on their part. I was never 120 days late.
Complaint sub-issue: Information is not mine

If XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX are truly mine then explain this written communication from XXXX. I think Equifax has been caught lying. 

In order to verify the accuracy and completeness of the item ( s ), we have contacted the source of the information and provided them with any additional relevant data as it relates to your complaint. In response to the investigation, XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX were deleted from your XXXX credit report .
Complaint sub-issue: Account status incorrect

I have been trying to resolve this issue with PNC in regards to my mortgage and they have been unable to assist me with the matter. I have been on time with my payments and the late payments are reporting inaccurately and should be removed from my credit report. 

PNC also has the payment status reporting inaccurately. They have me listed as Late 120 and Late 150 days when the balance is at {$0.00}. I have been educated about this and it is an infraction and is an FCRA violation!! This needs to be adjusted immediately.
Complaint sub-issue: Investigation took more than 30 days

I sent letter to all three Bureau more than a month ago and i have yet to receive a response.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.
Complaint sub-issue: Didn't receive advertised or promotional terms

I signed up for a citi doublecash card with a promotion that stated that if I spent {$500.00} in the first 3 months that I would receive a {$100.00} reward. I opened the account in XX/XX/XXXX, never received the {$100.00}. I called citi and they said they were unable to honor the offer because it didnt show up on their end. They said I didnt use the promotional link even though I have a screenshot of the link I applied under. I told them that they were not honoring the terms of the promotion and they said there was nothing they could do.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX, a collection agency is reporting to all three major credit bureaus ( XXXX, XXXX and XXXX ) that I have a bad debt with XXXX XXXX from 2014. I have never had an account at XXXX and have been a customer of XXXX for over ten years. This account is in error and is being inaccurately reported. I asked them to produce written documentation that this is my account or else stop calling me and remove it from credit report. They never sent verification but they did stop calling. However this collection account is still being reported to currently to all three credit bureaus.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act U S Dept of EDXXXX Account 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: Was not notified of investigation status or results

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Complaint sub-issue: Deposits and withdrawals

Since initial complaint was filed on XX/XX/XXXX, I received a email from Mark I, Executive Office of Customer Advocacy for Discover Bank. That was on Friday XX/XX/XXXX. I have heard nothing since. I have emailed him 3 times ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ) - No Response. Still no communication or access to MY IRS REFUND that was deposited via Mobile Check Deposit. 

CFPB has let this fall through the cracks - nothing done - and since my initial complaint - ZERO progress!! 

Here is what I initially sent in ... Regarding account ending XXXX - Jnt with My Son. 

On XX/XX/XXXX, via MOBILE Deposit, I scanned and deposited MY IRS TX REFUND CHECK into MY Discover account ending in XXXX. Two days later, my account was locked and I have been unable to access my account. Can not log in online, can not call in, as I get redirected to some RUDE people, who will NOT tell me anything. They continue to tell me that my account was closed on XX/XX/XXXX, and that I would receive information or any money in the account after 60 days ... .UMMMMM WHAT?! I never received a letter, a call, email, fax or any communication from Discover Bank, in reference to my deposit being held, my account being frozen or ANYTHING. When I call in, I am told that - you have to wait, and there is nothing I can do about it - - I have the recording ... .RUDE! Well - as of XX/XX/XXXX - 60 days would have been XX/XX/XXXX or so. So I called again, SAME THING ... .RUDE, no answers, telling me to basically kiss off my account and MY money ....!!!! SOOOOOO Done .... If they claim ( LIARS ) that they sent me something in postal mail, I want copies - again I want proof they sent me something ... Their actions are punitive, and I want my funds WIRED into another account I designate ... .IMMEDIATELY - I quite prepared to take this to court ... .My refund check was in excess of {$15000.00} - I also want all the interest they earned off MY MONEY - want all detailed accounting, showing what THEY earned from my money, and XXXX. Interest rate they will claim I earned. I consider what they are doing as misappropriation of funds, embezzlement and other major infractions. I want IMMEDIATE RELEASE of my money - wired - NOT BY PAPER CHECK - WIRE OR EFT/ACH ONLY - to an account I designate, within 3 days of receipt of this complaint. PERIOD ...! I have attached the letter I forwarded to the IRS along with other documentation.
Complaint sub-issue: Information belongs to someone else

XXXX has yet to respond to my dispute and contact the companies regarding info. Equifax and XXXX is also reporting my student loans incorrectly.
Complaint sub-issue: Information belongs to someone else

Below are accounts that do not belong to me nor have I ever authorized any credit pulls with the below creditors. My information has bee taken and used by someone other than me. Please delete the following accounts as they do not belong to me. Thank you Negative accounts to be removed : XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Removed XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XX/XX/XXXX ADDRESSES TO BE DELETED : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

This company as been collecting personal financial information about me a selling it as a part of a service they provide. I have never been informed of this collection nor have at any time given them permission to do so.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

On XX/XX/2022, I gifted my fianc a {$500.00} Visa gift card as a token of my love and appreciation. However, much to our surprise, the card was fraudulently used and its balance had depleted to around {$50.00} a few months later.

Determined to resolve the issue, I reached out to the customer service department by calling the number on the back of the gift card. After speaking with a representative, I was advised to send a fax of the receipt proving my purchase and a copy of my government-issued ID. Despite multiple attempts, the fax was never received by the customer service department.

Today, I had the displeasure of speaking with a representative named XXXX, who informed me that the only way to send the documents was via fax. When I asked for an alternative method, XXXX was unable to provide one and hung up on me after I requested to speak with a supervisor.

Frustrated with the situation, I am now filing a complaint with the CFPB against US BANK, the issuer of the Cardholder Agreement, and have attached proof of purchase, the gift card, and my government-issued ID. I hope to receive a prompt and satisfactory resolution to this matter
Complaint sub-issue: Attempted to collect wrong amount

At the beginning of 2021 I made an agreement with discovery to settle a debt around XXXX. the settlement offered was a reduction to around 65 % under de condition that for the first 5 months I would have to make a minimum payment of XXXX dollars after that the reduction would be applied to the balance. This conversation took place Through their chat service. When I asked for confirmation the discovery representative told me that it was not necessary because everything will be saved on the chat. 3 months later discover started harassing me even though i was making payments as agreed. Now discover says that there is not agreement and that the chat that can prove the settlement never took place. They are still charging me the whole amount and the balance has not been reduced as agreed.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I filed a dispute with Equifax on XX/XX/2019. Confirmation # XXXX. Promised that they would provide the results by XX/XX/19. Results were never received. I contacted Equifax via phone on XX/XX/19 at XXXX eastern and spoke with XXXX # XXXX. At first she argued that a dispute had never been submitted. Then, she apologized that the results weren't sent out and would put them in the mail. I asked to speak with a supervisor and she placed me on hold for about 25 minutes until I hung up. 

It is XX/XX/XXXX and I have yet to recieve the results of my dispute. In fact, I recieve error messages when trying to pull my report via their online website. I have recently mailed tried calling once again only to be told that the systems were being updated and I should call another time.
Complaint sub-issue: Frequent or repeated calls

I am getting phone calls during my work hours to my work from this company ERC. I would be glad to return their phone call if they call my cell phone and leave a voicemail. I dont know how they found my place of employment as I never gave them this contact information of authorization to call me there. They keep calling me to my place of employment and I totally disallow this. They provided a reference # XXXX. The contact number they provided is XXXX and company is ERC. It looks like their website is www.ercbpo.com and guy that called me is XXXX ( did not leave last name ).
Complaint sub-issue: Debt is not yours

XXXX has continued to report to collections an account opened over 7 years ago that was opened under false pretences. Most recently upon request to dispute ( 10 + attempts previously ) they have reported this as a newer account opened in 2019. This account was opened fraudulently by a family member but no legal action was taken on my part. They continue to reopen and deny all previous disputes.