Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't close your account

Despite multiple CFPB complaints Discover still has not closed my account and has failed to cease and desist in illegally monitoring my loan and credit activity through XXXX. This monitoring is illegal and unauthorized. RE CFPB complaint # XXXX, Company responded on XX/XX/2019 : " As per your request, we have updated our records to ensure that you will no longer receive the SSN/New account alerts that you had previously activated. ... XXXX XXXX XXXX Executive Office of Customer Advocacy Enclosure ''. 
However as you can see from the attachment Discover still has not closed my account and continues to monitor my loans and credit activity. This is blatant harassment and illegal. XXXX apparently either Discover employees are incompetent or Discover is thumbing its nose at the CFPB and the consumer. Highly vindictive XXXX. I encourage the CFPB to initiate a class action.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX, XXXX  Account Number : XXXX Has violated my rights. 

15.U.S.C 1681 Section 602A states I have the right to privacy 15.U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written permission
Complaint sub-issue: Information belongs to someone else

XXXX XXXX {$760.00} company name general revenue corporation collection not my debt do not belong me wish it be remove asap
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information is missing that should be on the report

address associated with my credit report is not being reported.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX, Extortion, Predatory lending, Incompetent Employees, Inaccurate reporting, the list goes on. 
The amount is, {$4400.00} They somehow managed to still say that I owe, when I've paid well over {$13000.00} so far for a XXXX XXXX XXXX.
Complaint sub-issue: Information is not mine

There is a XXXX name affiliated with my credit score. How is this possible, and did this person take out any lines of credit in my name?
Complaint sub-issue: Attempted to collect wrong amount

AFNI inc. is continually updated the date reported on my collection account. The account was initially reported in XX/XX/XXXX Just today, after I just submitted a complaint about the company ( XXXX ) on XX/XX/XXXX. Today ( XX/XX/XXXX ) they flagged my credit report with the same collection account only update the status date to : XX/XX/XXXX. They are clearly attempting to poison my credit report my falsely reporting information.
Complaint sub-issue: Information belongs to someone else

XXXX  XXXX XXXX XXXX claims a XXXX  XXXX company card was opened and used for up to {$4000.00} plus in balance and claims I used overdraft benefits or a balance transfer to send to bank accounts in my name. Bank has not provided proof of which bank account that is because I am a XXXX year old woman with one bank account to collect XXXX monthly payments. 

They need to identify the rightful owner of the account and remove it from all three credit bureaus XXXX, Equifax, and XXXX  who have taken 8 months to gather baseless material that has not helped. FCRA states that accounts due to identity theft should be blocked or suppressed within four business days of notification. The credit bureaus failed me in protection laws.
Complaint sub-issue: Investigation took more than 30 days

For over six months I have been challenging the same account and have not received a proper response from Equifax in regards to XXXX  account # XXXX Equifax has violated several laws in the FCRA one being the Re-insertion law Equifax has taken off and put this account back and forth on my account 3 times without and notice five days prior at all The Account is also reporting extremely inaccurately showing 120 days late 3 times in a row which is impossible not only is this account not fair and accurate the reinsertion law has been violated I have not gotten any response on this account being stuck unfairly to my credit report This is my third CFPB report for this matter and nothing has been resolved Equifax last response was to send in my information for this matter to be looked over I sent my information over 90 days ago and NO Response Equifax is holding this account i my credit file illegally in many ways
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Complaint sub-issue: Company closed your account

They closed my account saying they couldnt verify personal information. I dont know what it was but I think it was something to do with the 4506-c form. I signed it but I dont know what information couldnt be verified i would gladly verify as I want my discover credit account reopened.
Complaint sub-issue: Attempted to collect wrong amount

ERC debt collectors are debt parking a account on my credit report. They are listing a debt on behalf of XXXX claiming this account was from 2019 but in truth is from over seven years ago. After reading some articles it may be a common practice of theirs.
Complaint sub-issue: Personal information incorrect

I wrote a letter to Equifax on XX/XX/2022 stating that they have inaccurate information on my credit report, wrong addresses and inaccurate employers and it has been longer than sixty days and I have not received any updated information from them.
Complaint sub-issue: Public record information inaccurate

I have a bankruptcy showing on all 3 credit bureaus and I've asked them to verify and provide how that information got on there and they've ignored me and violated my rights by reporting that. I've spoken to the court and they clearly state that they do not report that to any credit reporting agency as you'll see with the attached information from the courts website. 
XXXX XXXX XXXX Bankruptcy XXXX Ref # XXXX XXXX XXXX XXXX Bankruptcy Ref # XXXX XXXX Equifax XXXX XXXX Bankruptcy XXXX Ref # XXXX To my knowledge this is a FCRA violation, am I correct? I want these accounts deleted immediately under the law that says I have a right to privacy ( 15USC 1681 602A )
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX while going over my credit with our loan officer ( we are buying our first home ) a collection account with Plaza Service ( opened XX/XX/XXXX ) for XXXX for {$5200.00} and also listed as XXXX ( opened XX/XX/XXXX ) for {$3800.00}. I made contact on XX/XX/XXXX and neither Plaza Services or XXXX would communicate with me. XXXX saying the account number I gave them from my credit report does not match their records and Plaza Services saying that only using the email address associated with the account could they tell me anything ( which I do not have because the account was not opened by me )
Complaint sub-issue: Contacted your employer

I have been contacted by " RNN Group '' multiple times demanding the last 4 digits of my social and DOB. The calls began yesterday, they called all day and again today. My Hr Manager explained that we do not provide personal information over the phone and they proceeded to give my DOB/Social which was incorrect by the way. We have asked them to stop calling and they continue to harrass me as well as my staff. The receptionist is being bombarded with calls and they are unable to provide us with reasoning for there calls. The number they keep calling from is XXXX and you can not get a hold of anyone. When I XXXX the number I saw so many complaints about scams from these people. I have no idea why they are contacting me and would like for them to stop harassing me especially at my employment it is causing alot f issues for me here at work. I have no idea they address or who I need to contact to send a cease and dismissal to put an end to this harrasment because if they continue I will need to take legal action.
Complaint sub-issue: Add-on products and services

I 've had a Best Buy Citi card for many years ( XXXX at least ). I do not use it very often and when I do I have had paperless billing and Auto-pay set up for years. 

Recently I decided to check my statements online to see why my balance was not going down. It turns out I have been charged a " Debt Protection '' charge on my account all these years! Listed only as " other fees '' until you look more thoroughly at the bill. This fee was almost equal to my minimum payment of $ XXXXmonth. So my balance was not being paid down! 

I called Citi and they transferred me to the " Debt Protection '' department. They claimed my husband and I authorized the add on in XX/XX/XXXX( my husband was not added to account until XXXX, we did n't marry until XXXX! And he has made all the purchases on the card since then! ). I do not remember EVER adding this to the account or ever receiving ANY information on it. I asked for all the charges to be refunded and the women said that they would have to review and see, possibly I 'd have an answer in 30 days. This is ridiculous! I should have that money returned right away! How can credit card companies STILL be getting away with scam charges like this?? 

I 've paid thousands of dollars over the years to them, for something I did n't know I had and never could have used, not knowing ( even though, had I known, I 'm sure I 'd have had some type of event to use it! ) These companies are scamming people out of money and no one is stopping them! This is horrible!!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I do not recognize nor did I permit any of these inquiries listed on my credit report. There are clear violations of my federally protected consumer rights In accordance with the Fair Credit Reporting Act. 

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 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 XX/XX/XXXX XXXX  I have filed and attached ID theft report below.
Complaint sub-issue: Account opened as a result of fraud

I received a Square Business debit card in the mail. It was sent to my home address in my name. I did not open this account ; someone else was able to open the account fraudulently in my name. This is the second incident of fraud involving Square Inc XXXX XXXX XXXX in the past 2 weeks : My wife received the same type of card in her name last week, also as a result of someone fraudulently opening the account in her name.
Complaint sub-issue: Reporting company used your report improperly

Equifax allowed ( an ) unknown individual ( s ) access to all of the identifying financial information of almost every adult American, myself included. 

The US needs a new, better way to manage credit. Having three credit bureaus control this information is ridiculous and the problems that will come from this leak will be disastrous.
Complaint sub-issue: Other problem

Received a letter from CITI on XX/XX/2018 stating I would receive a {$150.00} refund due to credit adjustment for certain fees previously billed to my Sears Account for a debt protection program offered by Citibank NA which was a result of an agreement between Citibank NA and the Office of Comptroller of the Currency. The letter states the refund would be applied to my account handled by XXXX XXXX. I spoke with XXXX XXXX in XX/XX/2018 and they stated the refund check was returned to Citi in  XX/XX/2018 because my account has been closed for over 10 years. Everytime I call XXXX XX/XX/2018 I was told to call back in one week to receive " update on recovery '' of the refund check which I did call back XX/XX/2018 and was told to contact XXXX XXXX,. Explained I had already spoken to them and so Citi gave me another telephone number to call which I did on XX/XX/2018 and was transferred to their recovery dept and was told they show nothing to contact XXXX XXXX. Tried to explain I had previously done this but could not get any further information, I just want to know where my {$150.00} refund is or is this some type of fraudulent letter from Citi?
Complaint sub-issue: Problem during payment process

On XXXX of XXXX XXXX was used for purchase of {$300.00} worth of product. Have been making minimum payments plus additional promotional payments of {$50.00}. Have requested several times to have XXXX payments of {$50.00} to be allocated to promotional balance only. When I spoke to XXXX they stated that the payment had to allocated to the revolving balance because of the billing cycle. If my payment is not due yet why can't I have the funds allocated to the promotional balance. I have called several times and they tell me they will allocated but then it never gets done. Company is not willing to allocate my payments the way I need them to be allocated. Not to mention my account should be under SCRA.
Complaint sub-issue: Public record information inaccurate

Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order to appear on your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report.
Complaint sub-issue: Debt was result of identity theft

Call letting them know I dont have any acknowledgment of this
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Unexpected increase in interest rate

After requesting a full credit card payoff with discover credit card. And completely paying off the card. I am being charged interest on XXXX interest charges due to past balances. 
This is the third time this has happened and discover in the past has acknowledged that its a mistake. This must be a systematic overcharging by discover. Please investigate.
Complaint sub-issue: Deposits and withdrawals

XXXX I also contacted clover which is my machine carrier for the way the merchant First Data has treated this situation and still yet have not heard back nor has the situation been resolved Subject : FIRST DATA MERCHANT ID XXXX I OPEN A MERCHANT ACCOUNT FOR MY SMALL BUSINESS I JUST STARTED AND WHEN ACCOUNT WAS OPEN SALES REP DID NOT ADVISED ME OF MY LIMITS I HAD SET ON THE ACCOUNT SO MY XXXX STARTED TO INCREASE AND FIRST DATA STOP PROCESSING ASK ME TO VERIFY SOME INFORMATION I WHICH I DID HOWEVER I HAD PRIOR OVER {$8000.00} THAT THEY WAS HOLDING I KEPT CALLING THEM WHICH WAS UNSUCCESSFUL I WAS TOLD TO LEAVE A MESSAGE WHICH I DID AS WELL AS SENT EMAILS!! NO REPLY I WAS THEN CONTACTED BY A REP WHO TOLD ME MY FUNDS WOULD BE RELEASE I 3DAYS EITHER WAY I WOULD GET A EMAIL HOWEVER NONE OF THAT HAPPEN I AM STILL AS OF YET RECEIVE MY MONEY WHICH IS VERY DISGUSTING ESPECIALLY FOR THIS TO BE A PROFESSIONAL COMPANY AND AS IM DOING MY RESEARCH I SEE THIS IS WHAT THEY DO HOLD PEOPLE MONEY AND DON'T SEND IT TO THEM EACH REP I SPOKE WITH ON EACH SIDE CLOVER ( OR FIRST DATA ) HAS BEEN UNPROFESSIONAL OR UNABLE TO TELL ME ANYTHING! 'M FILING A COMPLAINT TO SAY I NEED MY MONEY BACK THIS IS ABSURD TO BE TREATED THIS WAY ESPECIALLY SINCE FIRST DATA HANDLES MY OTHER MERCHANT ACCOUNT IN WHICH I'M LOOKING FOR ANOTHER MERCHANT AS WE SPEAK I CAN NOT AND WILL NOT DEAL WITH THE UNPROFESSIONAL! AND I FEEL I AM BEING DE-FRAUDED OUT Of my money
Complaint sub-issue: Information belongs to someone else

Im demanding a Method of Verification into the investigation of the following accounts inwhich I disputed the fraudulent accounts inwhich was opened up without my knowledge or consent. I'm requesting the name and title of the employee inwhom worked on this, the time and date, and what physical documentation was received and how it was received inwhich tied me to these accounts. And if you or your companies can not provide this detailed information within 30 days then you and your companies shall remove and block the following accounts. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4.XXXX/ Dept of ED {$1200.00} 5. XXXX XXXX XXXX 1
Complaint sub-issue: Denied request to lower payments

on XXXX I was advised that I could apply for a temporary mod ( temp reduction in payments ). That representative was very professional and detailed. She advised me that it would be approximately that following Wed XXXX before it will be reviewed. However, I was advised on XXXX that it has yet to be reviewed and I should call back. I called back I believe on XXXX and was advised that it was approved but was awaiting to be processed. Out of concern to avoid 90 day reporting I called back two days later and was advised that due to the changes, it has been approved however it has not been processed. I called back on XXXX only to be informed that it was denied. I then requested for a supervisor only to be told that their que was busy and someone will call me back. No one called, so I called today XXXX asked for a supervisor and was transferred to Mr.XXXX. He advised me that I was given the wrong information and the process was not fully explained to me. I advised him that was an area of opportunity and I requested that he review the phone calls from starting XXXX until today. He advised me that it will take 72 hours for him to review and get back to me. My account is listed as cease and desist, however I verbally gave Mr. XXXX permission to return my call after reviewing the calls. Because I am also a collector with working experience with some of their employees, I feel my account has not been treated the same as any other consumer.
Complaint sub-issue: Card opened as result of identity theft or fraud

On XX/XX/XXXX I received an email from XXXX stating : XXXX has identified a change in your credit information. This could be the result of a new inquiry, line of credit or a change to an existing account. 

I then requested a credit report through XXXX to review my credit history. I noticed that the new account in question was for an Home Depot credit card that was open on XX/XX/XXXX with a balance of {$2900.00}. 

I contacted XXXX and requested a dispute. I contacted Home Depot to close this account and conduct a fraud investigation on XX/XX/XXXX. I also alerted the XXXX XXXX team to notify them that this was indeed fraud and request a security alert be added to my account so that I would be notified if any new attempts to open account happened.
Complaint sub-issue: Problem with product or service terms changing

Equifax was negligent in their handling of their IT security. After having a security breach for over three months they did not notify affected consumers for longer than a month. After having to discover for myself  that I was effected by this security breach, it costs me more money to freeze my credit to make sure that no thieves can steal my credit. Having to waive my rights to sue and agree to arbitration to receive free credit monitoring after their mistake is wrong, and opportunist.
Complaint sub-issue: Account information incorrect

Today XX/XX/21, I have submitted numerous disputes with Equifax and XXXX to update my credit report. There are old accounts that have been paid in full, settled, and no longer need to be on my credit report as it is hurting it. I am trying to purchase a home I can live everyday in. I am having so much trouble with getting old information removed from my credit report, that is already closed and taken care of. XXXX filed dispute on Equifax , they are saying my credit score is a XXXX, when in fact it is a XXXX, this is a huge difference, because of the lack of updated information. It is inaccurate. My balance on my XXXX XXXX Account is not XXXX, it is XXXX, this needs to be updated, and it has been over 30 days since it was updated. I am trying to get approved for a home loan and the inaccuracy of my Equifax credit report is holding me back. Please have Equifax update my account promptly. 

Thank you, XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have a XXXX  XXXX credit card. I was never late on it.I sent Equifax my credit card bank statements to show them that I was never late on it and they still dont want to remove the late payments on the account. They told me to contact XXXX  XXXX and I contacted XXXX XXXX on XX/XX/XXXX they told me they will send a letter to Equifax to remove the late payments on my account and after 30 days the late payments should be removed. I called Equifax last week they said the late payments will stay on my credit file for 7 years.Thats my 12th times disputing those late payments.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXXXXXX is reporting to all 3 agencies that in XX/XX/XXXX & in XX/XX/XXXX there is " no data available '' although I paid both months on-time and in full.
Complaint sub-issue: Information belongs to someone else

There was nothing to explain further. I have been sending letters for months now and I have repeated myself over and over again.. The accounts are not mine, they were not proven as my responsibility, Please delete this illegally or improperly reported information without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX
Complaint sub-issue: Debt is not yours

Im exercising my right as a consumer according to Section 609 of the FCRA a company has to provide proper documentation an original signed contract with my signature. I reached out to XXXX in XX/XX/XXXX to dispute this account my information was taken and someone opened an account. I tryed fixing this on my own now I need the help of the CFPB Im trying to get my life back my credit is awful. But I do understand that Section 609 of the FCRA requires original signed contracts with the consumers signature.These documents Im attaching is what Ive been getting. The XXXX account number is XXXX I want the proper method of investigation proper verification.