Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

My bank had a payment that cleared my account XX/XX/2020 in the amount of {$18000.00}. However, my discover credit card do not have any payment posted to my account. I called Discover Credit Card to notify that the payment has not posted to my account, and they have told me that they can't do any type of investigation until after 10 business days. I explained to them that is creating a financial strain giving the amount of money that I paid, but they refuse to help or investigate. They also instructed me that after 10 days it can take 10 -14 days for them to investigate further. My concern is this puts me in a financially uncomfortable position where there is {$18000.00} not accounted. I told discover that I have the trace number that the bank have given me, but they refuse to take any action until 10 days after the date the funds cleared my account.
Complaint sub-issue: Account information incorrect

Old late payments keep popping up which wasnt late auto loan. 
Discover is reporting negative and its not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

According to the Fair Credit Reporting Act, ENHANCED RECOVERY CO 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: Information belongs to someone else

These accounts were fraudulently opened and maintained. There are 3 discrepancies with account numbers that all begin the same numbers. I've contacted the company and communicated that they were fraudulent. To no avail as the account still reflects on my report.
Complaint sub-issue: Was not notified of investigation status or results

My Name is XXXX XXXX XXXX Date is XXXX XXXX My Equifax Confirmation Number IS XXXX OR XXXX And My FTC Report Number Is XXXX I'm Writing This Complaint Because My personal Information Was Exposed In A Data Breach I Checked Online & Found Out About The Data Breach I Looked Up My Credit Report I Found Inaccurate, False And Fraudulent Information That Don't Belong To Me I Contacted My Local Police Made A Report They Also Told Me To Make A Report With FTC Because Of Jurisdictions Ive Listed As Many Fraudulent Accounts As I Could .Also Recently I Called Equifax Filed A Dispute Myself And Also I Went Online Submited A Dispute And That Wasn't Helpful At All!! These Fraudulent Debt Is Hindering My Ability To Apply For My New Home Loan I Don't Know Where To Start Or The Next Step To Take To Remedy This Situation Which Has Caused Financial And Emotional Stress Worst Part I Was Denied A Job Based On Negative Information On My Report, Due to Covd19 I Was Recently Laid Off My Last Employer Now Every Employment Job Opportunity Is Online Based With Background & Credit Check Which Ive Been Denied Due To False Information Reporting With Equifax..I Have Been Subjected To Adverse Action Pertaining To The CRA 's Reporting XXXX Information As A Result Of Fraud Am A Victim Of Identify Theft And I Already Placed A FRAUD ALERT On My Credit Reports Here 's The List Of The Fraudulent Accounts : XXXX XXXX XXXX  XXXX XXXX {$36000.00} XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} Collection opened XX/XX/XXXX XXXX XXXX XXXX ( ( XXXX XXXX XXXX XXXX XXXX XXXX ) ) XXXX XXXX XX/XX/XXXX I Even Called Equifax Today Waited 3 Hours Before Someone Answered The Phone Just To Hang Up In My Face I'm Very Disapointed With The Way Equifax Has Been Handling My Report 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, FTC Report Number XXXX 605 ( b ) Block. Item must be blocked in no less than ( 4 ) days
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act ( Account, : XXXX Account # : 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: Account information incorrect

On XX/XX/XXXX, about XXXX XXXX, I called Equifax after XXXX reported an incorrect Equifax balance on my existing home mortgage. My mortgage balance with XXXX  is {$83000.00}. The report I saw said I owed {$110000.00}. When I called Equifax, I spoke with someone named XXXX ( first name only, wouldn't give last name ). I gave him my social security number, address and other personal information. My only desire was to have him check with XXXX  and verify the amount I actually owe, and fix it if necessary. He insisted on much more information about my credit history, " to verify who you are. '' It seemed to me that I'd be on the phone for at least half an hour with him, giving detailed information about credit cards, other accounts, etc. I found this not only unnecessary to accomplish the task at hand, but a little suspicious and I was not willing to share further information. All I want to do is correct the information about my mortgage on my credit report. Can you help?
Complaint sub-issue: Company closed your account

XX/XX/2021 this was the 2nd time my Discover card come up missing due to break-in also I could not log-into the account. 
I call Discover and told them about the problem, -new password was set up Account Center Last XXXX # : XXXX Discover logo XXXX XXXX XXXX XXXX your temporary password for Discover.com has arrived Your temporary password is : XXXX phone number and address was verified also the charges on the account was verified as well. After all charges were verified and dates, the worker from Discover stated that she would be sending out a new card. 
I never received the card therefore, I called into the company XXXX requesting when was the new card sent out. I was told that it was stated on the phone call that the account was open fraudulently, it was stated these are the words I used and due to these word the account was close. XXXX stated that due to the facts an investigation has been set up on the account. It will take up to 90 days to respond, therefore, I am requesting a full investigation about this matter.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a written request for Equifax, XXXX  and XXXX  credit bureaus to send me copies of the documents that the company has used to verify the accuracy of the account in collections that is reporting inaccurately ... instead I only received a letter from them stated that the account remains and is verified to be accurate.
Complaint sub-issue: Personal information incorrect

I recently review my credit report from the three major reporting agencies. I found that there was a charge-off account from XXXX XXXX credit card in the amount of {$2300.00}. I couldn't figure out how I have this account. I gave XXXX XXXX credit department a call. After entering the basic verification information, the center transferred my call to the Citi 's Recovery department. 
I spoke to a recovery representative ( ID # XXXX ) ( department line : XXXX-XXXX-XXXX ). 
During the verification of my social security number and account number. There was an issue. The department have a mismatch social security number on file. Which meant that this debt or account was suppose to be mine. After the verification issue, she transferred me to the " fraud department '' to find out the discrepancies on my account and social. I spoke with XXXX and he couldn't located the account or verify that my information is on file or ever owe anything to XXXX XXXX nor Citi 's. 
XXXX did recommended that I file a complaint with the CFPB to contact XXXX 's credit department and they will verify that I do not owe any debt.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Information belongs to someone else

I am upset to see that my credit has been compromised and I am sick of it because I applied for a loan and was denied due to my credit score being so low! I don't know how or get why my identity was used for fraud. I need this to be resolved so that I can buildup my credit.
Complaint sub-issue: Information is missing that should be on the report

To The official of Consumer financial protection Bureau From XXXX XXXX XXXX XXXX DOB-XXXX XX/XX/1992 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Complaint on my consumer CITI BANK Hello Sir/Madam I was facing credit reporting issue with my bank from the month of XX/XX/XXXX. They are not updating my credit info to the credit bureaus in any of the 3 bureaus. 
( In the month of XX/XX/XXXX, I have 2 fraud transactions in my citi credit card ending with XXXX which I was using from 3 years. So, I requested the CITI BANK to replace my card for security reasons. So they replaced my card ending with. After replacing the card, my credit score was not updating so I raised a dispute with XXXX to update my credit score .So, they requested the Citi bank about my dispute. So, they removed my CITI account from all the credit bureaus which have 3 years of credit history. After removing my old account, they dint update my new card details with 3 years of credit history till now i.e XX/XX/XXXX to XX/XX/XXXX. This action ruined my whole credit history showing that there was no credit history on my name resulting in declining for my car loan, bike loan, house lease. Major issue was as whenever I apply for something connected to my credit score, all are rejected due to this act. 
I spoke to bank authorities in the last 5 months but no result on my account. I even raised disputes in credit dispute department. I got reply mails saying the my info was updated please give 30 days to reflect on my account. But it was never updated till today .I Hope you will understand my situation of staying in USA without credit score even though if you are maintaining credit score from 3 years. I cant even buy a CAR due to this action taken by CITI. 
I ATTACTHED ALL MY DOCS AS A PROOF OF MY ISSUE BEING ADDRESSED TO THE CITI BANK FOR ALMOST 10 TIMES.I ATTACHED COMPLAINT LETTERS TO PRESIDENT OFFICE, DISPUTE LETTERS, REPLY MAILS, MY CREDIT REPORT SHOWING MY ACCOUNTS. 
Please help me in this to get my score updates with compensation on behalf my 5 months loss. 
XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

After 2 previous attempts and two copy paste and generalised responses, CFPB has failed to look into the methods used to verify incorrect information- Equifax is reporting incorrect information and is not showing how they verify that information when challenged to do so. Both Equifax and CFPB are failing to conduct satisfactory investigations.
Complaint sub-issue: Information belongs to someone else

I have contacted these companies and advised them these charges don't belong to me, they are keeping my score down, an I cant refinance my home at the lowest rate. The company and info amounts are below. 

XXXX XXXX # XXXX {$1200.00} XXXX XXXX # XXXX {$0.00} XXXX  XXXX XXXX # XXXX {$100.00} XXXX XXXX XXXX # XXXX {$100.00}
Complaint sub-issue: Was not notified of investigation status or results

I have 20 missed payments from XXXX on my credit reports from all three credit bureaus, XXXX, XXXX  and Equifax that I want removed. I have been sending XXXX letters and disputing online but I have not heard anything from them. They refuse to mention anything to me about my late payment and won't tell me anything. At the time of the late payments, I was on deferment and was heading back to school in XX/XX/XXXX ... Also was dealing with moving and not being able to receive most of my mail if they sent me anything. I've been reading that CFPD sued XXXX because of not offering it's clients the income driven repayment plan ( which is what I am on now since XX/XX/XXXX ) and I believe that I was one of the victims of XXXX offering the repayment plam instead ... Please remove all late payments from my credit reports so I can continue improving my credit
Complaint sub-issue: Information belongs to someone else

Spoke to XXXX in the Fraud department who stated in short that they did not accept the police report I sent because the case number was invalid ( I disagree ), The police report has an official case # and the name of the investigator and her supervisor. Per her request I have picked up a copy from XXXX. This account occurred in XX/XX/XXXX. I never signed a contract with XXXX. She stated that they mailed me several letters that I never received. This could be due to the fact that I moved in XX/XX/XXXX. My current address is attached in this report. I'm asking your help to resolve this matter quickly
Complaint sub-issue: Reporting company used your report improperly

I am writing because Equifax mishandled my personal information including my Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017. They confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
Equifax has put me and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They did not notify me of this breach. I heard about it on the news and then found out how to discover if I was an affected party by a post on social media.
Futhermore, Equifax is attempting to profit off of their negligence by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. When the trial periods end ( and the data that was breached is still vulnerable ), Equifax will charge money to " protect '' the information of the same people whose data they irresponsibly left vulnerable to attack.
These injured parties are also subject to hidden terms of service that waive their right to sue the company if they do avail themselves of the " trial period. '' There is also evidence of criminal negligence/fraudulent behavior with the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Complaint sub-issue: Public record information inaccurate

To whom it may concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I am asking that they be deleted from my credit report. Based on 15 U.S. Code 1681 c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted in identity theft, no later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft. Please delete these items as soon as possible. 

These accounts should not be furnished on my consumer report as they are in violation. Under 15 U.S. Code 1681b- Permissible purposes of consumer reports ( A ). In General subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency any WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the listed accounts IMMEDIATELY. I reported the theft of my identity to the Federal Trade Commission, and I have also enclosed a copy of the FTCs Identity Theft Affidavit. Please delete these items as soon as possible. 


Fraudulent Accounts : -XXXX XXXX Date Reported : XX/XX/XXXX -Discharged XXXX  XXXX Bankruptcy Date Reported : XX/XX/XXXX. XXXX
Complaint sub-issue: Debt was discharged in bankruptcy

Pulled credit report on creditkarma.com prior to filing bankruptcy. Grant & Weber not on report. Filed bankruptcy at the end of XXXX. Went to court in XXXX. Started getting emails about a new item on my credit report. Found Grant & Weber updated my credit report twice for the same XXXX XXXX account that was included in the XXXX bankruptcy, XXXX update was for {$200.00} and second update was for {$200.00}. This account shows active since XXXX but only appeared on my credit report after I filed bankruptcy. I contacted my lawyer who was unable to have the collection activity stopped. I recently filed a dispute with XXXX, the item was completely removed from my credit report but I feel it was never supposed to be there to begin with. The collection account is also from a hospital which I 've never seen a hospital bill appear on my credit report. I also find it strange that almost immediately after filing Chapter XXXX a fresh item of debt was added to my credit. I begin to get phone calls threatening to take me to jail, I ultimately had to change my phone number.
Complaint sub-issue: Information belongs to someone else

I did a police identification theft report I also reported identity theft with the Federal Trade Commissioners office regarding this account. Ive sent copies of each to the credit bureaus and all of them but Equifax have removed this fraudulent account from credit report. This account IS FRAUDULENT and has not been removed
Complaint sub-issue: Debt was result of identity theft

I started disputing XXXX XXXX XXXX XXXX credit card charges around XX/XX/XXXX. I did all things that I could think of, including filing a police report, calling the bank, going to the local branch XXXX XXXXXXXX XXXX XXXX XXXX three times, filing two more reports at the local branch, filing complaints against both XXXX XXXX XXXX XXXX and its collection agency, which was consuming both time and money wise, as I am using a XXXX phone. It is also a very mentally agonizing experience to me. The credit card was opened using a XXXX address. I explained to the world that I have never lived in XXXX and have been living in XXXX XXXX XXXX. We moved to the XXXX XXXX XX/XX/XXXX. Plus, they sent me the charge statement, which shows that all the online shopping was done and shipped to a XXXX address. It's an easy fix -- go to that address and ask who live there during the period these charges were made! Instead, XXXX XXXX XXXX XXXX chose to victimize me by ruining my credit when they sent this to the credit report companies like XXXX, XXXX, and XXXX. I'm first a victim of an identity theft, then a victim of places like XXXX XXXX XXXX XXXX. I told them that I can prove that I have been living in XXXX all these years, never lived in XXXX. Still they refuse to take this nasty report from credit report companies. XXXX XXXX XXXX XXXX needs to come up with a hard evidence to show that I'm the person who opened a credit card account, used the card without paying a cent. Otherwise, it is worse than ruining a person 's life.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX and I am submitting this complaint without any influence from and third party or agency. Please see attached documents and ID ad it contains my full complaint request.
Complaint sub-issue: Attempted to collect wrong amount

I had an account for internet services with XXXX, now XXXX that was opened in XX/XX/XXXX. When I attempted to pay my bill online, their site was unable to locate my account because someone had transposed my last name when my account was opened. 

I called into customer service and they were unable to correct the issue or locate my account. My account was suspended due to late payment, the amount due at this time was around {$90.00}. Because of the poor customer service, I elected to not have my accounted reinstated and returned the equipment. I did not receive a final bill from them attempting to collect the total amount due on my account or stating the total amount due. 

In XXXX of this year, I received a collection notice from AFNI , Inc, for the amount of {$300.00} for this account. There was no explanation as to the final charges. I was able to settle the account by paying {$180.00} ( estimated ), but the account now is being listed as 'settled for less that the amount due ' on my credit report. I was not advised this is how it would be reported when I was offered the settlement amount when paying the collection with AFNI. 

This collection is now being listed on my credit report, even though I 've paid this off, and will continue to be listed until XX/XX/XXXX. I do not believe this has been a fair process in the handling of collecting on this account by either XXXX or AFNI. XXXX because they erroneously recorded my account in the first place, and AFNI because they did not inform me the payment would be listed as a settlement in reporting to the credit bureaus.
Complaint sub-issue: Information belongs to someone else

i been a vicitim of identity theft and someone is using my personal information to obtain credit. I did not authroize the inquiries on my credit report..
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX XXXX I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Complaint sub-issue: Didn't receive services that were advertised

I just received a message from the Equifax breach settlement telling me they were not going to honor the original terms of the agreement reached with the FTC ( by the way, the FTC sent me here when I tried to fil the complaint with them ). They were instead unilaterally cutting down the amount of money we were to be compensated, and we had to jump through more hoops to actually get that money. 

Furthermore, we don't even know what the new amount might be, as there is no floor on how much compensation we will be getting. I could be getting back all of a penny, the way the new agreement has been worded. 

Worst of all, I got literally no say in this whatsoever. I jumped through all the hoops the first time the agreement was signed and the site put up for us to file on. And now even though I kept up my end of the agreement, it gets changed against me without me having any say whatsoever. As far as I'm concerned, this is fraud, and Equifax can not be trusted to follow through at all. 

See the new wording here : https : XXXX XXXX with original wording and how to file here : https : XXXX