Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with rewards from credit card

I filed a dispute on a charge through Discover. Case Number : XXXX, Merchant name : XXXX XXXX, Dispute amount {$20.00}. The dispute was for a purchase from adobe. I filed a dispute and it wasn't until today XX/XX/XXXX, that I received a letter. It stated that XXXX gave them an invoice and so that was good enough for the charge to reappear. The letter stated that I had 15 days from the time I got the letter to provide further documentation. Upon chatting with a discover agent, I found out that meant nothing and the dispute was closed out on XX/XX/XXXX and that I was not allowed to provide further documentation and there was nothing I can do. Obviously the letter from Discover was a blatant lie and has to be illegal. 

XXXX invoice was for invoice # XXXX, date XX/XX/2021, order # XXXX. 

I went to my XXXX account and looked at all invoices attached to my account. Please see the attached documents. The invoice questioned doesn't exist. I also went to all downloaded adobe products and the product in question doesn't exist. I also went through my emails and other than a discover transaction, XXXX confirmation from XXXX that the charge occurred. I went on my laptop and desktop, also no photoshop as described. I checked my XXXX  as well as my ipod and no purchases exist. I don't have the product in question, I did not make that purchase, and the fact that Discover was fine with a fraudulent invoice and shutting me out, is shameful. I asked to speak to corporate but was told I was not able to communicate with them on the matter.
Complaint sub-issue: Was not notified of investigation status or results

I have sent letters to each XXXX, XXXX, and Equifax on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 190 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Complaint sub-issue: Frequent or repeated calls

This debt collector calls this number non stop. I only agree to written communication. 





XXXX ( XXXX consumer protection act ) The law restricts telemarketing certain phone calls, text messages, and facsimiles. It also places restrictions on the use of automatic dialing systems and artificial or prerecorded voice messages. Collections ' actions by phone are also regulated under the act.
Complaint sub-issue: Reporting company used your report improperly

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft XXXX. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXXnquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I keep getting hard inquiries on my credit report for the past year. Last time I looked there was something like 30 of them on all three credit reporting agencies and they tell me you can not dispute it. They are not mine and I would like them all removed immediately.
Complaint sub-issue: Was not notified of investigation status or results

Between XX/XX/XXXX & XX/XX/2021, I sent all 3 CRA 's a " Personal Information '' dispute letter, requesting the personal information on my credit report be updated ( copy of letter & proof of service attached ). As of today XX/XX/2021, I have not received a response or any update. Because of the inaccurate personal information on my credit report, I believed I might be the victim of Identity Theft, so I filed a FTC ID Theft Report # XXXX ( copy of report attached ) & sent that report to all 3 CRA 's between XX/XX/XXXX & XX/XX/2021 ( copy of letters & proof of service attached ). I received no response or any update to my credit report. I also didn't see any update to my " personal statement '' on my credit report. On XX/XX/2021 all 3 CRA 's received a letter from me stating that I had not received any responses to the multiple requests for reinvestigation or for them to provide their " Methods Of Verification '' ( copy of letter & proof of service attached ). ALL of these failures to respond are violations of my consumer rights under the FCRA. These violations of the FCRA by Equifax, XXXX XXXX XXXX have caused my harm as I am trying to maintain my finances during the COVID pandemic.
Complaint sub-issue: Information belongs to someone else

Ive been a victim of identity theft. XXXX XXXX has blocked/delete all fraudulent items. Equifax continues to say you items have been verified. How can they verify these fraudulent items. Equifax is in violation of the FCRA!! Equifax must report true and accurate information. The following accounts are fraudulent and dont belong to me. Equifax must follow suit and blocked/delete these items. 
1. XXXX XXXX XXXX 2. XXXX XXXX ( XXXX XXXX XXXX ) {$590.00} 3. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) {$610.00}
Complaint sub-issue: Other problem getting your report or credit score

I have tried on numerous occasions to have my credit report updated with Equifax, my report has not been updated since 2018.
Complaint sub-issue: Reporting company used your report improperly

I was affected with the Equifax breach, confirmed by their website as of XXXX XXXX, XXXX. My name, address, SSN and credit card information was accessed.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting ACT XXXX  Account # 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 an account without my written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Re : Unauthorized Credit Inquiry I recently received a copy of my XXXX, Equifax and XXXX   credit report. The credit report showed a credit inquiry by XXXX that I do not recall authorizing. I understand that they are not allowed to put an inquiry on my file unless I have authorized it. I contacted the bank to inquire about closing my auto insurance, savings and checking accounts. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have decided to close all of my accounts with this institution next month after i acquire a new auto policy with XXXX. I have already closed the savings account and will be closing the checking account via phone as well.
Complaint sub-issue: Didn't receive enough information to verify debt

Out of the blue, XXXX sent me a bill for over {$400.00}, despite me having no business with XXXX for at least 6 months. 

I called XXXX and requested proof of debt. They responded by sending me another bill with late fees. 

I then sent them the first of four ( 4 ) CERTIFIED letters requesting proof or debt, itemized charges & copy of any agreement I signed. XXXX continued to send me bills with late fees but never responded nor sent me any proof of debt as required by law. 

After my 4th certified letter to them that was completely ignored, they sent my account to collections with IC systems. 

I called IC systems and requested proof of debt, itemized charges and a copy of any agreement I signed and they ignored me, just like XXXX. 

So at this point, both companies have violated the Fair Credit Reporting Act and have illegally sent my account to collections and damaged my credit. 

When I submit complaints with the credit reporting agency, they tell me that IC systems/Sprint confirmed the debt and they won't remove it from my credit report. 

However, they have refused and failed to confirm the debt with me. They have violated the FCRA and they are continuing to refuse to supply the information or remove the false claim from my report. 

At this point, they've had 6 different certified letters sent, to both XXXX and IC systems. They have blown me off for 2 years now and I demand this get removed. 

They completely failed to follow the FCRA and, as written in the act, the debt is invalid if they fail to comply with the FCRA and fail to provide me with the legally required information in a timely manner. 

I know nothing of this debt and at this point, both XXXX & IC systems have gone well past the timeframe legally spelled out in the FCRA, making this debt invalid.
Complaint sub-issue: Attempted to/Collected exempt funds

Also use my brother to threaten me if i do n't make a payment even as I told him that I am currently unemployed.
Complaint sub-issue: Account status incorrect

My complaint is regarding Acisma credit reporting. This has been paid in a settlement for less than the amount. It was there idea. It still shows on my credit report ad a negative item. I which to have it removed. Tried speaking with them, but it still shows.
Complaint sub-issue: Account information incorrect

I wrote a letter to LexisNexis in regards to wrong unverifiable information on my C. L. U. E auto report ( not at fault accident XX/XX/2018. ) I asked them to remove this information. I also asked them to freeze my account which they have, but never respond to my dispute. I know due to the F. C. R. A. They have 30 days to respond.. They have only responded to the security freeze.
Complaint sub-issue: Information belongs to someone else

My car broke down and I needed a new car to get to work and back home. I went to the dealership to shop around for a car. Before I could make any purchase I had to get my credit report pulled. While they pulled my report I was told that I would have a high interest rate due to multiple things listed on my report that did not belong to me. Could these items listed below please be removed from my report. 

COLLECTIONS XXXX XXXX XXXX XXXX XXXX {$67.00} COLLECTIONS XXXX , XXXX XXXX {$4200.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Complaint sub-issue: Didn't receive enough information to verify debt

Filed Dispute, company has not responded. Received only copy and paste of the letter they sent, with ZERO validation and ZERO additional information. This debt is not valid.
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/2020 I applied for auto financing through XXXX XXXX XXXX XXXX. They provided me a credit score of XXXX- source Equifax . I contacted Equifax to verify my low score though myEquifax and through customer service. I was giving a score of XXXX through myEquifax. I asked the customer service person what the discrepancy to my score. He mention that the lenders are using different scores. I told him that the score source came from Equifax. He proceeded to sell me a premier service - this is the only way to get a good score. I told him how could I purchase a premier service if i can't get a true score from you now. 

If these credit company are providing credit numbers that are different for the consumer and lenders how am I to get credit?
Complaint sub-issue: Reporting company used your report improperly

My personal information, including my social security, driver license was stolen from equifax. 

XXXX XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I filed a dispute for an unauthorized charge on XX/XX/21 for {$5000.00} to sears Home Improvement account. I provided all infromation required and have followed up with the credit card. I was initially informed it would be resolved within XXXX billing cycles after the complaint was filed, however has been over 90 days and the credit card company has not resolved it. They keep on telling me that the merchant, who made the unauthorized charge has not responded and that I have to wait until they reply. As mentioned before, ti has been over 90 days since the complaint was filed, today is the 93 day and this has not been resolved. As per federal law, it is my understanding that if it is not resolved within this time period, then I am not responsible for the charge.
Complaint sub-issue: Information belongs to someone else

Good afternoon. To whom may concern. 
I contact the credit bureaus that the are some incorrect information that doesn't belong to me that. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove a thank you so much.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent Equifax a letter to remove two items on my report XXXX XXXX  Account Number XXXX and XXXX XXXX XXXX  Self Account Number XXXX. They sent a letter back stating that the account were " verified '' I then asked for the Method of Verification and to provide me with the 1. Name of the original creditor, 2. The creditors address and phone number, 3. The persons name they verified the dispute with and 4. The documentation used to verify the dispute. I also asked Equifax to please provide a contract between them and I where they have my written instructions to furnish a consumer report on my behalf. Equifax has failed to send me the following information that I requested and has failed to remove both accounts. Equifax is violating my consumer rights according to the FCRA as a consumer report can only be furnished with the written instructions of the consumer and also transactions between a consumer and person is not supposed to be included on my consumer report. I never gave Equifax permission to furnish anything on my report on my behalf.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  {$300.00} & XXXX XXXX {$220.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, there are several unauthorized inquiries and incorrect information seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are unauthorized and the following personal information were inaccurate and needs to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

There's to many to list ongoing reposts of 2 late payments, that companies never reported as late balance take over 30 days to correct after balance are XXXX with Equifax, and XXXX  only numerous calls and letters to correct, they will correct XXXX but not all credit history in years incorrect balances incorrect on 5 or more accounts
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed a closed account with XXXX, XXXX and Equifax credit bureau. 

I also contacted the card company XXXX XXXX XXXX They assured me it was a big mistake. 

XXXX was the only credit bureau who actually investigated and fixed the issue. 

XXXX and Equifax dispute results claimed the closed account was ACCURATE. I lost points on both my credit reports for the closure. According to XXXX and Equifax the last time I made a payment on the account is in XX/XX/XXXX. The account balance both XXXX and Equifax are posting is inaccurate. The balance they're reporting is {$180.00}. As of XX/XX/XXXX According to my card account online and Statement as of XX/XX/XXXX the account is OPEN. The balance is {$140.00}. I made payments on XX/XX/XXXX and also XX/XX/XXXX. 

I've also made a purchases on the card XX/XX/XXXX {$52.00}, and on XX/XX/XXXX around XXXX XXXX. For {$10.00} so im not sure how the account is CLOSED. This is affecting my credit score and my credit worthiness. 

I don't believe XXXX and Equifax never contacted the card company when I put in the dispute they just went off what was reported in previous days on file. The dispute results came bk within 24hours ( which is quick for a proper investigation ) saying the information was ACCURATE which is a BOLD FACE LIE. I NEVER MISSED A PAYMENT. MY ADDRESS NEVER CHANGED.
Complaint sub-issue: Didn't receive enough information to verify debt

I checked my credit report today and discovered Hunter Wakefield Law office and entered an incorrect debt on my credit report with put giving me written info on debt vadility
Complaint sub-issue: Reporting company used your report improperly

Equifax was hacked and had my personal data listed in an easily stolen format. My SSN and credit history are now possibly in the hands of criminal hackers.
Complaint sub-issue: Didn't receive enough information to verify debt

I XXXX XXXX hereby attaches a settlement offer from XXXX XXXX XXXX XXXX pertaining to an account with Home Depot. I am not disputing if I had an account with Home Depot. However, the issue I have is that this collection agency never forwarded a copy of transfer rights from Citibank XXXX to XXXX XXXX XXXX that they had been given the right to collect on a debt. The Federal Trade Commission has won millions from collection agencies in the past for improper procedures on the collection of debts. There is also a recent federal class action lawsuit against XXXX for serious Fair Debt Collection Practices Act violations. Accordingly, I wish to not join any class action. I will pay {$1000.00} to settle the referenced Citibank collection, and request that my name be cleared from all pertinent credit reporting agencies. XXXX XXXX XXXX knows the collection process, and stating that they have been referred on a collection does not comply with FDCPA guidelines. XXXX XXXX XXXX can send to my email address the acceptance of {$1000.00} payable within 10 business days by certified check, and the agreement to purge my file completely and delete from credit reporting agencies, or I will join the current class action.
Complaint sub-issue: Problem with customer service

I contacted Fedloan a month ago about receiving a refund for payments made to them during the COVID pause. This particular loan was paid off to Fedloan during that time as well as a portion of another payment to that same loan. I explained to them that because I paid off the loan before my loan servicer was changed to XXXX, that Fedloan would need to submit the request to the department of education. They understood/agreed and said that they would submit the request but apparently have still not done so a month later. I have contacted them 3 times since that first call and they refuse to give any more information than " my request has been received. ''
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/XXXX I received a letter from AllianceOne dated XX/XX/XXXX. The letter stated that I have a XXXXXXXX  Card from XXXX Bank XXXX and as of XX/XX/XXXX I owed {$210.00}. I take responsibility for missing a payment in XXXX of XXXX, I forgot I had used that credit card and did not make the payment. 

When I received the letter on XX/XX/XXXX I immediately paid the balance. On XX/XX/XXXX I received an alert that my credit score had decreased. I logged into my XXXX XXXX account ( they send the credit score alerts to me ) and saw that my credit score had decreased by XXXX points and it was due to missed payments for this account. 

I called both AllianceOne and XXXX  to ask for a " goodwill '' removal of this information as I paid the balance immediately upon receiving the letter and my credit history at this time will show I have not had missed payments in several years. XXXX informed me that I would need to contact AllianceOne about this, via telephone call on the morning on XX/XX/XXXX. They transferred me to AllianceOne. 

I was told by AllianceOne that they are unable to do anything and I needed to talk to XXXX. Here are specifics from the conversation with XXXX : ( XXXX ) they received the information from Target on XX/XX/XXXX, ( XXXX ) they are not able to send me any written information about what attempts they made to inform me about this balance, incident, payment, etc., ( 3 ) they sometimes make phone calls to customers but do not necessarily leave any voicemail messages. I did not receive any voicemails from XXXXllianceOne, ( 4 ) they have no record about if they called me or not, ( 5 ) they stated they have no record about when they first sent a letter to me, ( 6 ) they have no information at all about my account because I had already paid the full amount. I spoke with XXXX XXXX between approximately XXXX and XXXX on XX/XX/XXXX If I had made a payment prior to XX/XX/XXXX my credit score would not have been impacted. I received no communication from AllianceOne prior to receiving the letter on XX/XX/XXXX. The letter is dated XX/XX/XXXX but, depending on what time of day the letter was sent, that left a total of two business days for the letter to arrive in my mailbox and for me to have time to pay the balance.
Complaint sub-issue: Investigation took more than 30 days

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULT. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020