Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem during payment process

On  XXXX / XXXX / XXXX , Discover called about a payment. During the conversation, I offered to pay the balance in full if Discover waived interest accrued on the card in calendar year  XXXX .     The first agent was not authorized to make this transaction, so they forwarded me to a second agent. The second agent offered to waive two months of interest. I declined, and requested escalation to an agent authorized to grant my request.     The third agent stated that the second agent " was unfamiliar with your account type '' and the figures the first and second agent gave me were incorrect. He stated that they were not authorized to waive two months of interest. I requested escalation.     The fourth agent said that Discover could not waive more than one month of interest. I reiterated my offer : waive interest accrued in  XXXX  and I would pay the balance in full. The fourth agent again stated that Discover could not grant my request. I stated that I would be filing a complaint with the CFPB because of the inconsistent responses between agents.     The fourth agent, after reviewing my account, agreed to waive the  XXXX  interest accrued on my account if I paid in full " tonight ''. I agreed.     The fourth agent transferred me back to the first agent to arrange for the payment. Discover told me that the payment would be debited from my checking account on  XX/XX/XXXX .     Discover did not debit my checking account on  XX/XX/XXXX , as they said they would do. Neither my  financial institution not my Discover online access has recorded the transaction as promised by Discover. Monies moved to the checking account to pay the Discover account in full are now sitting in a no interest bearing account, waiting for Discover to fulfill their commitment, while the Discover  account continues to accrue interest.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this.
Complaint sub-issue: Other problem

On XXXX my purse was stolen, I filed a police report immediately. I called Citibank and reported to put a stop on my credit card. The thief in XXXX department store ( in city of XXXX XXXX, California ) proceeded to use my Citibank debit/credit and made 5 different purchases. I went to XXXX and was told that they have video but the police would have to request it. Citibank gave me a credit for those 5 purchases but on XX/XX/2021 they debited my account more than six thousand dollars and said I was in possession of my credit card without no proof. I called them and asked them for a provisional credit until they investigate my case thoroughly but they are refusing it. They debited my account without any proof and saying I am the thief.
Complaint sub-issue: Old information reappears or never goes away

To Whom It May Concern : Thank you so much for your help with my previous request. I have had success getting the 4 tradelines deleted from XXXX  and XXXX, however, Equifax is not complying with the instructions to delete the tradelines from my credit profile. I have submitted a complaint with the Consumer Financial Protection Bureau and the XXXX XXXX XXXX but Equifax states that someone from XXXX XXXX verified the items as accurate electronically. I sent them a copy of the email you provided which states that the tradelines have been processed for deletion and they still will not take the accounts off of my credit report. If possible, can you please send Equifax some information to let them know that they need to delete the  accounts or have a representative from your firm contact them directly? It would be greatly appreciated! Thanks in advance for your time and consideration and I look forward to hearing from you soon! 

Best regards, XXXX XXXX Account : XXXX Dear XXXX XXXX XXXX, Thank you for your email with XXXX   received on XX/XX/2018. To ensure the XXXX trade lines have been removed from your credit report, XXXX has processed electronic deletions with the national consumer reporting agencies. Please allow the consumer reporting agencies 30 45 days to update their files. 

If you should experience discrepancies, please contact the consumer reporting agencies directly for resolution. 

If you have questions regarding this information, please contact our office at ( XXXX ) XXXX. XXXX office hours are Monday through Thursday, XXXX XXXX - XXXX XXXX, and Friday, XXXX XXXX - XXXX XXXX, Central Time, and our website address is XXXX. 

Sincerely, XXXX XXXX
Complaint sub-issue: Problem with rewards from credit card

Citicard offers a program called "  PRICE REWIND  ''. They advertise - you buy, we track, you save..   See their website :   XXXX   XXXX   XXXX   As it is mentioned they ( citicards ) tracks the prices, however, the majority of my purchase price adjustments are rejected under the heading.     " Proof of lower price found '' - so they track but I have to provide proof of lower prices of the items???     How come they advertise " we track '' and then reject my price rewind benefits where I have to proof the lower price advertised.
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 XXXXXXXX  XXXX , XXXX XXXX XXXX XXXXXXXX , 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: Was not notified of investigation status or results

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Public record information inaccurate

I am a consumer as identified in FDCPA 15 USC 1692a ( 3 ) and I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ), Pursuant to 15 USC 1692c ( c ) - notify debt collector in writing to cease and desist all communication. Ive recently reviewed my consumer report and noticed I have multiple authorize inquiries that are not associated with any open accounts on my consumer report. I will have my identity theft report attached to this complaint. Pursuant to FCRA 15 usc 1681 ( a ) ( 1 ) credit reporting agencies The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Pursuant to FCRA 15 usc 1681a ( d ) ( 1 ) The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for. So you should make sure these unauthorized account and inquiries are remove. Pursuant to FCRA 15 usc 1681a ( d ) ( 2 ) ( a ) ( i ) Exclusions from consumer report, report containing information solely as to transactions or experiences between the consumer and the person making the report. FCRA 15 usc 1681a ( d ) ( 2 ) ( b ) Exclusions from consumer report, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS
Complaint sub-issue: Information belongs to someone else

I noticed fraudulent and inaccurate information on my report. Please delete and update my credit report
Complaint sub-issue: Billing dispute for services

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices.

Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done CAPITAL ONE can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Complaint sub-issue: Transaction was not authorized

On Tuesday XX/XX/XXXX a criminal opened a fraudulent account in my name with the phone company XXXX. They purchased 3 phones and set up a data plan using my name and bank card information to do so. I became aware of this late in the evening Tuesday when I received an email from XXXX advising me that " my order had been shipped. '' When I saw the email, I assumed it was a phishing email and forwarded it to my husband to take a closer look at it in the morning. Wednesday morning, XX/XX/XXXX my husband determined that this was a real transaction, and contacted XXXX and our bank which is PNC advising both companies that this was not us, we did not make these purchases and that this was Fraudulent activity occurring. We contacted XXXX which is the logistics carrier that the phones were shipped through and determined that the criminal who had done this had them set up to " ship '' to our home address and as soon as the phones were in XXXX possession and actively shipping the criminal went on to the XXXX website and placed a " hold '' request on the package, so that rather than being delivered to our home address the package would instead be held at the local XXXX distribution facility to be " picked up '' in person by the criminal. I was able to speak with someone at the XXXX distribution facility and explain what was going on so as to insure that they did not hand the package over to the criminal that had orchestrated this. XXXX made sure that these items were returned to XXXX and we reported this situation to our local police department on the same day, Wednesday-XX/XX/XXXX. We had 2 charges appear against my bankcard on Wednesday. One charge was from XXXX for {$72.00} the other charge was for XXXX for {$50.00} both of these charges were result of Fraud being perpetrated using my bankcard information. PNC cancelled my bankcard and initiated their own investigation on Wednesday XX/XX/XXXX. XXXX has the fraudulent phone accounts locked and are actively investigating the situation. I arrived at your website to report this per advice from XXXX to do so. The {$50.00} XXXX charge was stopped while still pending on our checking account. The XXXX  charge eventually rolled from pending to charged against our checking account in the days following this incident occurring. XXXX advises that they are in the processing of reversing the charge. I have also received a paper bill from XXXX today, Thursday-XX/XX/XXXX for {$170.00} for the fraudulent account that was set up and the phones and data plan that were purchased by this criminal. I called XXXX about having received this bill today against an account that they are aware is fraudulent. They advised that the fraud team is actively working on the issues attached to this fraud and that I will not be held responsible for the bill.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/XXXX {$250.00XXXX XXXX XXXX account years old was paid off and closed the bureau is refusing to take it off violating my consumer rights by posting it on my credit profile without my permission which has had a negative effect on my life, its making it hard for me to any kinds of credit cards etc XX/XX/XXXX {$500.00} account is years old was also paid off and closed out contacted the company was informed that I needed to contact the correct bureaus they weren't aware that it was showing ob my report I called XXXX and informed them and also let them know they were in violation of my privacy by posting on my credit profile and they are also in violation of U.S.15 01/31.2022 {$170.00} I informed XXXX that I was a victim of identity theft and asked for proof of validation and also informed them they were in violation of my consumer rights by posting on my credit without my permission and due to this they had caused me severe hardship I have a tough time with getting cars a place to stay etc because of this is on my profile they are all in violation of FDCPA 807, misleading false reporting and more my next step will be to bring litigation against XXXX if not removed all bureaus has also placed inquiries on my report without my permission or verifying also has inquiries on my reports that I do not know about as I have said I was a victim of identity theft all three bureaus are in violation of my rights and are breaking the law they need to be held accountable or go to jail for the laws they are breaking {$3700.00} XX/XX/XXXX account was paid off as soon as they took my car therefore I owe no debt and they are in violation of law 15 US code 1681a and also law FDCPA section 807 XXXX {$520.00} is in violation of my privacy that account was paid and closed off they are still showing it on my credit as late payments which has also affected me I get denied for things because they see what was posted on my profile my next step is litigation if not removed right away XX/XX/XXXX {$1400.00} I no longer owe any debt to that company when they sold my file I am not responsible for that debt and I informed experain they were in violation of my consumer rights for privacy and did not get my permission per law FDCPA 807 I asked the company to remove it all but they refused my next step is to file a suit for violating my consumer rights
Complaint sub-issue: Didn't receive advertised or promotional terms

I received a promotional offer over mail from Citi Priority : Invitation Code : XXXX. Please find the attachment for the detail of the letter.

I have not received the {$400.00} bonus that the promotion has promised after I enrolled the offer and then met all the requirements stated in the letter : I have funded my existing eligible Citi Priority with more than {$100000.00} and I have been maintaining the balance until today.
Complaint sub-issue: Received bad information about your loan

On XX/XX/XXXX I noticed a payment on my account in the sum of {$6200.00}. Immediately I reached out to Great Lakes to figure out what this payment was about. I customer service agent I spoke with told me it was a payment made by USDA on my loan and it was an actual payment and was correctly applied to my account. Then on XX/XX/XXXX, almost a year later, I receive a call from Great Lakes informing my that was account was past due by 351 days and I owe them {$1100.00} immediately and another {$1400.00} by XX/XX/XXXX to get my account current. I asked them when this came about they informed me that the payment applied to my account was applied incorrectly, and removed from my account. I asked the account specialist I spoke with and was informed my statements were correct, but if they were correct then the payments should still be on my account but they can't give me an answer beside the fact it was applied wrong account.
Complaint sub-issue: Can't close your account

The company attempting to collect the debt has no original contract with me.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF THE ATTY XXXX XXXX CHILD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
PROTECT YOUR XXXX XXXX XXXX XXXX XXXX 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: Information belongs to someone else

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX  Date : XX/XX/XXXX Company : XXXX XXXX  Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX  XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX BELOW are the Company AND Account numbers for inaccuracies reporting on my credit report : Company : XXXX Account # : XXXX Company : XXXX Account # : XXXX Company : XXXX XXXX XXXX Account # : XXXX Company : XXXX Account # : XXXX
Complaint sub-issue: Billing problem

Hello, I received a notice from Ally Auto the first part of XXXX advising I was something like {$220.00} overdue. I contacted the customer service department to inquire on what this charge was for however I was connected to five different representatives with none able to assist. I was advised the account would be reviewed and someone would be in touch. Never heard from anyone. I reviewed my account again maybe 3 days later which then stated I was over {$400.00} over due. I again attempted to resolve via customer service to no avail. I sent emails with no reply. I paid the money afraid that it would continue to go up. Again this month XXXX, the same thing has happened and no one will gibe me an answer. I have paid approximately {$1100.00} in XXXX and again in XXXX on when my loan payments are only {$620.00}. This " additional '' charge is not being paid on my principal. I don't know what to do. This company will not respond, explain or advise me on what the situation is. 
BTW, I normally pay {$650.00} EVERY month which is {$29.00} more than my payment amount. 
Please help me get this resolved. I can not afford to keep paying this and I shouldn't have to. 

FYI, the one returned payment was an error on my part when my fianc mistakenly used an old card number without realizing it which I immediately addressed as soon as it was brought to my attention.
Complaint sub-issue: Account status incorrect

Im a 100 % 22 years XXXX military and my student loans have been paid in full and they have me with 18 plus late payments and inaccurate information when I never was late because the military always paid my stuff and now Im out the military I can not get my proof I need. I last contacted them on XX/XX/2019 2019
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I sent a notice of billing error dispute to Discover bank on XX/XX/2022. They received this via usps tracking and sent a signed return receipt back on XX/XX/2022. This notice stated that the entire balance at that time of {$15000.00} was disputed. According to 12 C.F.R. 1026.13 ( d ) ; 1 ) Collection action is prohibited, 2 ) Adverse credit reporting is prohibited, and 3 ) Acceleration of debt is prohibited. Discover reported adverse events to my credit reports and continued to accelerate the indebtedness of this account during this billing dispute. They responded with a packet of statements along with a letter saying they deemed the account valid. Discover has failed to provide documentary evidence of indebtedness as monthly statements do not lawfully or by agreement constitute evidence. Discover can not deem this account valid without such documentary evidence.
Complaint sub-issue: Debt was result of identity theft

On I discovered ( JEFFERSON CAPITAL SYSTEM ) had been re-inserted into all my three-credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification, without my knowledge of this account. I've proof of account was deleted and reappearing. Please delete this item immediately.
Complaint sub-issue: Investigation took more than 30 days

I have been a victim of identity theft and a number of fraudulent accounts were opened in my name. I have contacted the companies involved and they are still showing on my report and this is hurting my chances getting a mortgage. I need these unauthorized accounts removed
Complaint sub-issue: Debt was result of identity theft

Please refer to the two letters my attorney sent to creditors regarding Account # XXXX. I am a victim of identity theft and fraud. I notified Customer Service but I am still receiving statements and collection demands. My credit has also been affected.