Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't use card to make purchases

Beginning XX/XX/2021, I received an email regarding my Discover card account that it was suspended from use, pending verification of some kind of tax records for the IRS. 

I submitted the required forms, then called Discover customer service or two different occasions on XX/XX/2021 to get an explanation of why my account was suspended. 

I have paid off my account monthly without hardly ever carrying a balance and have used it responsibly. 

If they wanted to verify my current income, I could have easily provided pay stubs from my employer, but instead they have not given me a reason as to why this sudden verification must take place, and the explanation was that it was a random automated verification. 

However, I noticed I was singled out after a request for a credit limit increase, which they provided instantly online with their system online, as well as approving an additional card to use. 

Both times I spoke to the accounts verification team I was terminated from the calls. I was upset and told them I may want to just close the accounts due to this inconvenience, and they I was abruptly hung up on, and no return call was attempted. 

I have also messaged them through their app with resolution, and they told that I was informed my account would be suspended for 5-7 days verbally, but never was informed verbally of this action, only by email after the account was already suspended. 

Pursuant to local state and federal laws, I believe I am singled out for discrimination.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

While on vacation, I purchased cosmetic cream in from  XXXX   XXXX  in  XXXX   XXXX  Florida. When I returned home to Arizona and opened the package, I discovered that the container was empty and there was no cream. I disputed the charge but my dispute was disallowed because the sales receipt required that an unopened package be returned within 14 days of purchase. The merchant, in writing, solely relied on the return policy and never denied that the container was empty. Nevertheless, the credit card issuer [  Citibank ]  denied my dispute even though I received nothing for my payment of {$260.00}. I contacted the office of th e President of Citibank , N.A . I received a call from a member of the Executive   Response Unit  who continued to deny my dispute, this was followed up by a confirming letter. My next reply to the office of the President was responded to by another call from the same employee. The caller left a message but never responded to my multiple return calls and e-mail. I timely paid this bill in full in order to preserve my excellent credit rating.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 requesting the investigation, verification and update of these suspicious accounts I found on my Credit RepoXXXX. I think that the Credit Bureaus have not validated these accounts in accordance with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against the 3 Credit Bureaus because because of their willful non-compliance of the dais FGCRA statute. These accounts were already included in my prior complaint last XX/XX/2022, and I'm including it again. The following accounts : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$6600.00} DEPTEDXXXX  XXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} ; must be updated to reflect accurate information on my Credit File.
Complaint sub-issue: Debt is not mine

For several years now I have been getting collection calls for XXXX XXXX. I have repeatedly told the collection firms that I am not XXXX XXXX and to stop calling. The calls stop for awhile and then start up again. I have had calls for XXXX XXXX as well. 

The current firm has called me and now sent me a letter which I have attached. I am tired of playing this game with these folks.
Complaint sub-issue: Problem getting report or credit score

Equifax claims they can not send my my credit report and I need to go away
Complaint sub-issue: Public record information inaccurate

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX  reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Complaint sub-issue: Information belongs to someone else

On XX/XX/20 I noticed to fraudulent accounts on my credit reports. XX/XX/20 I filed an FTC Identity Theft Report with the credit bureaus. As of this writing XXXX, XXXX & Equifax are still reporting the fraudulent accounts.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I XXXX XXXX am acting on my own behalf In accordance with the Fair Credit Reporting Act, 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have contacted XXXX, Equifax, and XXXX about inaccurate/fraudulent inquires on my credit report by mail and phone multiple times and to no avail. They have continued to ignore my request for immediate removal of the inaccurate information and have not investigated nor provide me with proof bearing my signature of inquiries on my report that I did not authorize. I'm asking to please delete these inquires as they are affecting my odds for approval of credit moving forward.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting me as 30 to 60 days past due on the XXXX/Auto account number XXXX. This account has a {$0.00} balance and {$0.00} past due. I have disputed this directly with the two bureaus but the coding violation has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX closed and sold my account over to XXXX XXXX XXXX in XX/XX/XXXX Ive been making monthly payments to XXXX XXXX XXXX since XX/XX/XXXX. And XXXX XXXX has been reporting late payments to my credit report 90 days late every month since XX/XX/XXXX. Every time i called to discuss this matter they tell me to contact XXXX XXXX XXXX   about it. But every time i try to discuss this matter with XXXX XXXX XXXX they tell me To contact XXXX. They have been giving me the run around about reporting these payments 90 days late for 6 months now. 
If XXXX XXXX no longer owns my debt, the late payments being reported from them need to be stopped amd removed
Complaint sub-issue: Account status incorrect

I was most recently a full time XXXX student at the University XXXX XXXX at XXXX ( 12 credit hours ). The school or whoever incorrectly reported or delayed reporting that I was a fulltime student there. This caused loans to become due. When I checked my credit report I noticed XXXX had reported my 10 loans as being delinquent. When I contacted them they verified my enrollment status and said they would fix it. It is taking way to long also it appears that my first request for removing the items of my credit report was not processed ( they told me to expect it removed within 60 day ) or had missing paperwork. I called again and they assured me they would resolve this but had not processed my original request because missing paperwork that they would send me in the mail as soon as possible. They stated once I turn the paperwork in they would remove items off my credit within 3 weeks. My credit report needs to be fixed IMMEDIATELY. I am in XXXX so many of the jobs I am applying for requires background checks and in some cases an actual security clearance. Because of incorrect reporting it appears that I have 10 loan accounts which are in default. I am restricted in my job search right now until this gets resolved. Employers don't have time to hear an explanation for why I have 10 loans in default. This needs to be fixed immediately so I can move on.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

US Bank is submitting a report to the credit bureaus that my account is under investigation. I have never disputed this account. During a call onXX/XX/XXXX, XXXX, US Bank employee # XXXX, refuses to provide me with account information on my account regarding what is being submitted and reported to the credit bureaus. 

As of XXXX, my balance is {$0.00}. I have not filed any dispute regarding this account. Still, on XX/XX/XXXX, balance reported by US Bank for period ending XXXX is {$54.00} with a comment that the account is under investigation. 

I want this investigation ceased immediately by both US Bank and XXXX. Both state the other company is disputing the account or originated the dispute.
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/2022 I went to a Comerica branch with a online {$500.00} bonus offer for a business checking account. The offer was for a {$500.00} deposit for opening a XXXX checking account with a {$50000.00} balance for 90 days. The bank manager KNEW that was the specific reason for me opening the account. She looked over the paper work explaining the offer. She said she would make it work and did not see a problem. I responded that I would not bring my check unless you were sure the bonus would be good. On XX/XX/2022 she called me stating it was not a legitimate offer.
Complaint sub-issue: Information belongs to someone else

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX CARD Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Complaint sub-issue: Personal information incorrect

I have tried over and over to let Equifax know that the information on my credit file meaning my date of birth which on file they have XX/XX/XXXX which is my mothers date of birth. I faxed over a copy of my ID and my social which they states they didnt receive. They only received the cover letter. I am now sending my ID and social through here so that yall can send it to them because this seems like my last option to actually get it done.
Complaint sub-issue: Trouble with how payments are being handled

These loans are from XXXX and XXXX. I was never billed for them. I received a call from collections in XXXX said that I owed student loans. All of my other loans I paid off and I would have done the same with these.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This is my second attempt at getting fraudulent inquiries removed from this credit bureau. I have attached all necessary documentation required under the Fair Credit Reporting Act. I am unable to procure needed financing as a result of these inquiries that I did not authorize. Someone used my information. I do not know why this credit bureau is refusing to review these and remove them from my credit report. I will be seeking counsel if this matter is not resolved at this attempt.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XX/XX/XXXX Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : transunion, experian, equifax Please take notice that this letter dated ( XX/XX/XXXX ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} ), XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4000.00} ), XXXX XXXX  XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3600.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$3300.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Investigation took more than 30 days

Hi I am submitting this XXXX XXXX without 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a Bum. 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 XXXX  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
Complaint sub-issue: Information belongs to someone else

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX. XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$7.00} XXXX XXXX XXXX Balance : {$10.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$260.00} XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Acct # XXXX & XXXX, XXXX XXXX XXXX  Acct # 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.Evidence provided below with violations
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

( XXXX ) XXXX XXXX XXXX  was disputed on XX/XX/2022 balance {$520.00} ( XXXX ) XXXX  XXXX was disputed on XX/XX/2022 balance {$400.00} ( XXXX ) XXXXXXXX XXXXI was disputed on XX/XX/2022 balance {$160.00} ( XXXX ) XXXX was disputed on XX/XX/2022 balance {$330.00} ( XXXX ) XXXXwas disputed on XX/XX/2022 balance {$520.00} ( XXXX ) Office of the Attorney General-child support was disputed on XX/XX/2022 balance {$620.00} ( XXXX ) Office of the Attorney General-child support was disputed on XX/XX/2022 balance {$47000.00} 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Attempted to/Collected exempt funds

XXXX has been attempting for over two years to collect for an iPhone that I had " refused shipment on and they sent me an email that they had received the iPhone back in their factory. Yet for over two years XXXX has turned over to XXXX separate debt collection agencies, first in XXXX/XXXX/XXXX, XXXX XXXX collection agency for XXXX Account, then in XXXX/XXXX/XXXX IC Systems in XXXX XXXX, MN. In XXXX I faxed an XXXX explanation to XXXX yet one year later they have turned it over to another collection agency in MN. This constitutes harassment and I ask that you stop them.
Complaint sub-issue: Their investigation did not fix an error on your report

I've contacted the accounts listed below & they told me I've never missed a payment, yet XXXX, Equifax and XXXX refuses to fix the accounts from being listed late. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX, Equifax and XXXX 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to correct these damaging negatives from my profile. 
XXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$24000.00} XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$62000.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX DateOpened XXXX. XXXX, XXXX Balance {$580.00} XXXX XXXX XXXX XXXX Date OpenedXX/XX/XXXX XXXX, XXXX Balance {$1800.00}
Complaint sub-issue: Information belongs to someone else

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the XXXX. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

Certified Mail # : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached out to all three credit bureaus XXXX, Equifax, XXXX. I reached out to them regarding the charge off debts they were reporting i started this process XXXX XXXX. Within 30 days XXXX will send back the debt is verified and updated. I never received a response from XXXX nor Equifax. I have requested 3x for all of them to tell me how the debt was verified. I never received the information back. Which i have asked them to remove the incorrect information they are reporting because of my FCRA rights. Still no change in my report. This is hindering my character.
Complaint sub-issue: Problem with a trade-in

I put an application in to XXXX of XXXX just to be able to put a deposit onto a car before running the credit. I was guaranteed I would n't have my credit run until I approved on my trade in amount. I never finalized my trade in amount because when I went to put a {$1000.00} dollar deposit onto the car, it had been sold prior. This happened on XXXX XXXX with 4 different locations. My credit should NOT have been run until I agreed upon my trade in value and price of the car, which also was not finalized or discussed.
Complaint sub-issue: Debt is not yours

Tried contacting sarma collections on account XX/XX/2018 no account with that number matching my name or social security number. I have a derogatory mark on my XXXX   account and the information is not all the way displayed.
Complaint sub-issue: Information belongs to someone else

There are accounts listed on my credit report that do not belong to me. Additionally, there are inquiries in which I did not authorize. Please remove them immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This is XXXX follow up complaint. I had a issue that was reported to the XXXX XXXX  police dept. I filed a complaint with the FTC over someone using my information to get accounts and loans. Someone recently was able to apply for several loans. I live in XXXX my ID is being used around the country. Please remove the following accounts and inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX