Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I have had a Discover card for 25 years and have always paid my account in full and on time. In XXXX XXXX 2017 I became the court-appointed conservator for my father who is currently XXXX years old and has no income other than Social Security. Two years ago Discover sent him an offer for an unsecured personal loan for {$35000.00} which he took. He sent the money to XXXX XXXX because he was involved in a gold scam. On XX/XX/XXXX I received a notice from Discover ( see attached ) suspending my charging privileges because of an unpaid personal loan. I NEVER took out, signed for or received money from Discover Personal Loans. Discover, according to XXXX, has decreased my credit score from XXXX to XXXX ( see attached ). I feel Discover was negligent in offering an XXXX-year-old an unsecured loan.
Complaint sub-issue: Having problems with customer service

I requested to have loans discharged due to my forner institutions kicking me out due to an partial investigation conducted after they intervened in an unethical manner
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. 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 but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. There's an account from XXXX XXXX XXXX reporting on my consumer report that is fraudulently furnished without my lawful authority. This unauthorized access of my credit report has with forethought and malice cause me to receive substantial harm and damage to my financial reputation as a result of it being furnished on there. This is a violation of the Gram-Leach-Bliley Act. I receive no benefit whatsoever for this account to still be reporting on my consumer report. Pursuant to 15 USC 1681 ( a ) ( 4 ), this is an invasion of my privacy.
Complaint sub-issue: Their investigation did not fix an error on your report

A few years ago I was late a bit on my student loan payments. I acknowledge that I am the one responsible for making on time payments and for years have been dealing with the consequences of said delinquency 's. I was only late because of a financial hardship in the family that left me taking care of my mother after a car crash  when I was XXXX. I have been cleaning up my credit and have made on time payments for years now. I tried to ask XXXX they would request the removal of the negative items via a goodwill intervention letter. I have asked all three of the bureaus to remove the negative item using the same method. So far they have not. I love XXXX, XXXX, XXXX, and Equifax and I have faith that after hearing my side of this they will help me and do the right thing. So maybe my wife and I can finally move past this and buy our home. I don't want to pay a credit repair company when I know the government and the laws should be on my side when it comes to these kinds of things. 

XXXX XXXX
Complaint sub-issue: Account status incorrect

As a Macy 's consumer I decided to use the card to purchase a gift, however since I seldom purchase at the store, I usually pay with the Macy 's card for costumer points and pay off the card at the store at the same time since Macy 's allows that option to customers. I provided the lady with my Macy 's CC and also my Debit card to pay the charge on the Macy 's card. The lady said the transaction was complete on both cards  and the receipts were in the bag. ( This transaction was during the holidays and the lady seemed to be overwhelmed with customers and only charged the transaction in the Macy 's card but it did not pay the Macy 's card right away with my debit card, she also did not put the receipts in the bag as said ). During that time I was also in process of moving and contacted Macy 's with my new address location, however the bill was sent to the old address and never received any statements. Usually I like to check my barely used credit cards every couple of months. When I called and saw there was a charge in my account. I explained the situation and paid the bill right away. I explained that I never received any monthly statement when I requested an address change and also explained what happened at the store. If I noticed she didn't charge my card I would have called and paid the card that same day. I honestly thought since I have always been a loyal customer and always paid my bills on time and explaining this was none of my error as I did have the money to pay the insignificant charge amount, that the late charge would be removed from the credit bureau. Since they did not remove the late payment from my credit report, I found it ridiculous and closed the account due to the lack of negligence for not updating my address and throwing the fault at me on the day of the transaction. I have always been a loyal customer and have never paid late.
Complaint sub-issue: Information belongs to someone else

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Complaint sub-issue: Reporting company used your report improperly

My rights and Federal Law have been violated.
Complaint sub-issue: Reporting company used your report improperly

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.SXXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Complaint sub-issue: Debt is not yours

This " XXXX XXXX XXXX '', aka " ERC '' of XXXX, FL., a predatory collection agency, continues to report false information about a debt that I was never liable for, for XXXX XXXX XXXX XXXX 

" ERC '' claims the debt originates to XX/XX/XXXX, for {$130.00}. They have been informed repeatedly that I NEVER had an account of ANY type with XXXX beforeXX/XX/XXXX ( when I signed up for cellular phone service after having been with XXXX before then ). 

" ERC '' continues to report the debt ( but paid ) as " valid '', as recently as XX/XX/XXXX without providing ANY verifying documentation as to the validity of the debt. " ERC '' 's only action has been to claim the debt is accurate and to report such to the 3B 's.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX  i believe this company has violated code 15 USC 1692c B the communication with third parties. 
also i believe this company continues to report this account as every month in payment history as collection. once a account becomes a collection it is closed then sold.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} Charge off These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Complaint sub-issue: Personal information incorrect

I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX OH XXXX. My DOB XXXX XXXX SS # XXXX. 
I found an incorrect spelling of my name ( XXXX XXXX ) not name please delete it. I was looking further into my file I found addresses that I never lived at. Please delete the following unknown addresses : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX
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 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 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 convictions of crimes which antedates the report by more than XXXX XXXX 

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.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019 I filed dispute with Equifax that 5 of my accounts were listed wrong on my credit report and on XX/XX/2019 I get and alert that my Equifax score dropped 20 points. The only thing listed under changes were the disputes that I filed. I use XXXX XXXX and when I called Equifax customer service they said it was because XXXX XXXX runs 30 to 45 days behind on their information but they had my complaints that I filed from just three days earlier and no other changes are noted. My complaint is why does my credit score drop for just trying to correct bad information and only drop with Equifax.
Complaint sub-issue: Investigation took more than 30 days

I submitted an investigation request to Equifax XXXX months ago. I have yet to receive a response.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted Equifax on XX/XX/XXXX to dispute information on my credit report. 
There are accounts on there that NEED to be validated due to my identity being stolen by a family member. On XX/XX/XXXX ( which is technically AFTER the 30 day mark ) Equifax provided me with a response stating that this accounts belong to me WITH NO INFORMATION OR EVIDENCE to SHOW that these accounts are mine. I have gotten these accounts removed from my XXXX report after they completed their 30 day research with no problem at all! The account they did verify had a XXXX balance and was paid off before it went in to collections/charge off is still showing on my credit report EVEN THOUGH THEY VERIFIED THIS INFORMATION.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section XXXX ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Complaint sub-issue: Personal information incorrect

After many attempts and going back and forth with the condescending and negative attitudes with various EQUIFAX agents and dispute department reps on the phone, especially when requesting to speak with a supervisor, manager or United States agent. On several occasions I made calls to their recorded line and uploads were made to update and/or for this account to be adjusted and removed to it's inaccuracies that are causing irreparable injuries to myself and business partners. EQUIFAX simply does not care about real issues that effect and harm real people. Uploaded is a FICO report that clearly shows said inaccuracies being reported and EQUIFAX 's reluctancy to rectify their error ( s ) and harmful practices. There were also documents sent to their CEO to settle and address these issues as well as requests/demands made for proofs authority and equitable interest in said Estate. I am still currently awaiting a response for those request/demands and expect a default to ultimately happen in the near future. To this day I am currently being continuously denied for any " loans '' or " Loan programs and I as well as my partners are currently in the midst of losing a lot of capital caused by their actions and reporting inaccurate information to cause these injuries. It's illegal and unlawful.
Complaint sub-issue: Debt was paid

I previously owed a debt to why not lease it in the amount of {$990.00}. I paid said debt to another collection company on XX/XX/2018. I have all documentation to prove it. I provided Velo Law with said documentation twice over the last year and both times they blatantly told me that they dont care if it was already paid because its owed to the also.
Complaint sub-issue: Didn't receive notice of right to dispute

I C Systems has violated my federally protected rights. I did not receive a notice of dispute before furnishing the negative tradeline on my consumer report. This is an alleged debt and I am not paying you for it as that is my right under the FDCPA. You are now on notice to Cease and desist communication from me from all mediums including my consumer report. Failure to comply will result in me pursuing litigation.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$14000.00} XXXX XXXX XXXX XXXX Balance Owed : {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00}
Complaint sub-issue: Can't close your account

XX/XX/2022 : went to bank to try to close account. They said I needed to make an appointment. I waited in lobby but nobody came to help with appointment. 
XX/XX/2022 : I called twice to try to make appointment. Both times, they promised that the branch manager would call me. She has never returned my calls. 

It is IRA account for more than {$800000.00}.
Complaint sub-issue: Problem with personal statement of dispute

After speaking with collection mgr at XXXX, I continued to believe this is unfair practice for which the company does not have an implemented policy in place that would address what happens in a global crisis to consumers credit itemsthings arent as usual but it seems XXXX has no answer as to what to do when a crisis arises, other than lets do what we would usually do. Although living under a pandemic is unusual to say the least. This is unfortunate!!!
Complaint sub-issue: Didn't receive enough information to verify debt

I C system is trying to collect a debt before providing me enough information. 

I first received a collection letter from the I C system around XX/XX/XXXX on behalf of XXXX XXXX XXXX XXXX. However, I did not know I owed anything. After receiving the letter, I contacted the medical group and explained that I did not receive any bill from you. After doing some research, the representative found that they wrote my address wrong. Therefore, I did not receive any statements. 

The bill was about my son 's 1-year follow-up visit when he was XXXX old. Although we visited the doctor for my son when he was XXXX in XX/XX/XXXX, I was not aware that we had to pay any bills. Because when my son was born in XX/XX/XXXX, the hospital made a mistake, and as compensation, the hospital decided not to charge us any bills for my son. This follow-up visit was with the same doctor who had seen him when he was born and associated with the same hospital. Therefore, I assumed there would be no bills to pay, which was further affirmed when I did not receive any statement from them. However, it appeared that the medical group actually sent the invoice to the wrong address, and thus I never received the bill. 

When I received the collection letter from the I C system, I contacted the medical group. I asked whether I needed to pay the bill since we had a settlement with the hospital. The representative noted and took my cell phone number and address and promised to follow up after speaking to the hospital and other corresponding departments. However, I never received any call or follow-up mails from the medical group and the I C system. Now I found out that the I C system reported my bills to the credit bureaus instead of sending me another reminder letter. This is a very disappointing and unacceptable attitude from these two organizations!
Complaint sub-issue: Seized or attempted to seize your property

I went to Volkswagen of XXXX XXXXXXXX to purchase a vehicle and satisfy the entire price of the vehicle via a consumer credit transaction pursuant to the Truth In Lending Act. During that same date agents belonging to Volkswagen of XXXX XXXX made material presentments and furnished deceptive forms as to nature of the contract when they presented me a " credit application account # XXXX " with the intent of utilizing the par value in conjunction with my signature on the application as a draft to create new money on their accounts which satisfied the purchasing order and the finance charge which is the sum of all payments pursuant to15 U.S.Code 1605 ( a ) for the XXXX XXXX XXXX XXXX causing deceit of the nature of the agreement in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) prohibits unfair or deceptive acts or practices in or affecting commerce. because they extorted me to compel to perform for payment that was already satisfied. The contract being void ab initio because of the fraud performed. Therefore there is no agreement of the debt neither did VW Credit have the right to assume anymore a debt wherefore collection could be made. VW Credit Inc further harmed my estate, damaged my marriage by way of my reputation, and committed theft against me by way of taking my vehicle ( XXXX XXXX XXXX XXXX vin # XXXX ) by way of their self described " reposession '' and engaged in human trafficking pursuant to ( 22 U.S.C. 7102 ( 11 ) ( A ) ) of my XXXX XXXX Person, and violated my right to privacy pursuant to 15 U.S.Code 1692 ( a ) when they trafficked my person to multiple " Credit Reporting Agencies '' for profit such as XXXX, XXXX, and XXXX see proof attached in the next document labeled attachments XXXX, and XXXX. Please see full attachment of the correspondence via the mail that I gave to VW Credit Inc labeled attachment # XXXX on the date XX/XX/XXXX CERTIFIED MAIL, RETURN RECEIPT REQUESTED # XXXX XXXX XXXX XXXX XXXX, and Attachment # XXXX XX/XX/XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Confusing or missing disclosures

On XX/XX/2020 I opened a Citi Priority checking account after multiple digital and physical mailer offers by CitiBank for a promotion of 50,000 Thank you Points. See attached. 

On XX/XX/2020 I received a letter from CitiBank that my account has been terminated from the Fraud Prevention department. See attached. 

This is the third time CitiBank has closed my account after opening. None of these times have they been able to provide a reason for closure. Fraud is an extremely serious case and the account holder is entitled to an explanation. I am willing to clear any matters related to Fraud. If another has opened an account in my name, then that is illegal and the authorities need to be involved. Nevertheless CitiBank is unwilling to resolve the matter. 

It appears I have been blacklisted by CitiBank for reasons they are unwilling to provide and I am unable to remedy. Furthermore it is highly irresponsible to send an offer to an individual only to recall it afterwards. The monies in the account have lost value and could have been used elsewhere. This has also wasted time and resources of all involved, including the Citibank and CFPB.
Complaint sub-issue: Information belongs to someone else

I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft.