Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX ), Account # 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 an account without my written instructions.
Complaint sub-issue: Account status incorrect

My name is XXXX XXXX, I had an issue paying such a small balance on my Discover credit card. I have an excellent long standing history with all my credit cards. In XXXX I was not able to make my payment, which caused my to go late for more than 30 days, thus my account was reported to the credit bureau for a negative impact on my credit report. I XXXX from XXXX when it was beginning here in the USA at that time. I was at the XXXX and I recovered after a months time. I was not able to make the payment. I called Discover and they were no help at that time, there was no deferment back then or any sort of help or understanding to my situation. Discover refused to help and instead reported me to the credit bureau negatively impacting my credit report when I had perfect standing! I want a resolution in good faith as this was an emergency and one time occurrence to resolve this in removing this negative report from my credit report as it has impacted my credit score and information to all potential lenders/banks. Now with the hardship of how COVID is now, I would really appreciate the help and resolution with Discover to put my account back in good standing. Thank you.
Complaint sub-issue: Public record information inaccurate

On XX/XX/XXXX I sent faxes to Equifax ( Fax Number XXXX ) and XXXX ( Fax Number XXXX ) to dispute the inaccuracy, compliance, and reporting of a public record that they maintain under my social security number. I requested in the letters that they please validate this information with the court and provide me with copies of any documentation associated with this account, bearing my signature. 

The following bankruptcy entries are inaccurate and unverifiable : Account # XXXX Reported XX/XX/XXXX Account # XXXX Reported XX/XX/XXXX Both XXXX  and Equifax responded back stating the bankruptcy is accurately reporting based on third party data provider XXXX. Per the FCRA 623 ( a ) ( 5 ) " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer file. XXXX  and Equifax have yet to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. When I contacted XXXX XXXX they stated that they got the information from United States Bankruptcy Court. 

This information is false. I received a letter from the United States Bankruptcy Court Georgia XXXX District stating : " They do NOT report or transmit bankruptcy court records or any other information to the credit reporting agencies. '' The Credit Reporting Agencies have failed to properly provide any viable  evidence bearing my name, signature or showing the account is being reported accurately which is what I initially requested. Per the FCRA 623 ( a ) ( 5 ) " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer file. 

After receiving the letter from the United States Bankruptcy Court Georgia XXXX and XXXX response to my inquiry, I attempted to contact XXXX  and Equifax again. I sent XXXX  a detailed letter outlining the situation, actions I had taken to remedy the situation ( filing a police report, Identity Theft report, etc ), and requesting that they reinvestigate the accounts. The certified letter and supporting documentation were signed for and delivered by USPS # XXXX on XX/XX/XXXX by XXXX. The certified letter and supporting documentation were signed for and delivered by USPS # XXXX on XX/XX/XXXX by Equifax. 

Again, I received the same responses from the Credit Reporting Agencies as explained above. The exact same response. I am not sure what else I am supposed to do at this point. Equifax knows there is an identity theft issue with my credit file since I am unable to verify my own identity through their checks and balances, which prevents me for getting healthcare coverage, insurance, and requires that I send a ridiculous amount of paperwork in the mail just to get a copy of my own credit report. This situation has been absolutely maddening. I hope desperately that you can help.
Complaint sub-issue: Their investigation did not fix an error on your report

I applied for credit card through the telephone. I own 2 homes. The Discover rep completed the application using the incorrect address. Security flagged account for address discrepancy ( that was good ) I called and was told the problem would be resolved and I would be receiving a new form to fill out to fix the discrepancy 2 or 3 weeks l received communication that the card was closed ( I never could activate it so I do not understand how it was closed if it wasn't activated ) they reported to credit agency. I do not think this should effect my credit. Discover did not address my complaint beyond " maybe someone will call, maybe not "
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY INVOLVED. IVE BEEN TRYING TO REACH THE BUREAUS CONCERNING MY REPORTS AND ACCOUNTS I HAD IN DISPUTE, NOTHING CHANGED AND I NEED AN UPDATE AND HELP FROM CFPB THANKS
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX has a collection listed on my credit report for XXXX XXXX XXXX XXXX. I was a victim of Identity theft in the Equifax Breach. I filed an affidavit and sent copies to all three bureaus in XX/XX/2018. I have called Equifax, and XXXX   repeatedly, and disputed the error, I have emailed/ faxed them to their company as requested a copy of my supporting documents " affidavit, and have gotten no response to the emaile/faxes, and rude, offensive customer service, regarding my complaint / dispute. When I call. I have also called, Equifax, and XXXX. Neither Equifax, nor XXXX have corrected this on my credit report. I have disputed this with each, with no correction. XXXX was also informed of the fraudulent account/ collection, and immediately removed it.
Complaint sub-issue: Can't decrease my monthly payments

My student loan is currently set at 10.875 % interest rate. While in school my loan gained interest & now is almost double the principle balance. I pay almost nothing towards the principle and mostly interest. It would be really nice to get rid of some of that interest that was gained while in school. Also, now that I am working and have good credit, I believe they should work with me to lower my interest rate. Rates now for student loans are half of what I have.
Complaint sub-issue: Information is missing that should be on the report

I have rented several apartment and homes over the last seven years, which come with numerous bills in my name but for some reason, I do not appear to have any credit. Any time a service runs a report on me, nothing comes up. It has caused recent issues with a rental I am entering into an agreement with and I would like to figure out why this is happening.
Complaint sub-issue: Account status

The account still showing as open but I paid the balance a year ago
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently submitted a complaint regarding all open inquires below mentioned. Your response is below. please provide a description of the investigation you completed that made these accounts factual. 


XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURESXXXX XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. XXXX XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. XXXX XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. XXXX XXXX XXXX XXXX  XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. XXXXXXXX XXXX XXXX XXXX  INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURESXXXX XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. NON REPORTING DISPUTES XXXX XXXX XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

My ex and I opened this account about 11 years ago. 10 years ago I was out of work for a few months due to an injury. That is when we really started to use the card. Once I went back to work we started paying {$300.00} a month to get the card down which was more than the minimum payment. After 2 years, they changed their terms to a higher interest rate and we refused to pay the higher rate so they closed our account. After that time, we did not receive monthly statements. We knew we still owed on it, so we kept paying {$300.00} a month. 4 1/2 years ago, we got divorced and the judge asked for the balance on this card. I told him I did n't know since we had n't gotten a statement in 4 years and I did n't have a number for their customer service. The judge and the lawyers said that that was highly unusual and I should try to find the number somehow. So I did and they gave me the amount owed which was still about the same amount as what we had originally charged. There was no way that was correct. I told them that I wanted all the statements from those 4 years that they never sent us. They said they could only go back a year so they supposedly sent me those. After the divorce I could n't keep paying the {$300.00} a month so I called them to work something out. I also told them that they still had n't sent me prove that I owed this amount. The guy I spoke with told me they could adjust my payment to {$300.00} a month ... are you kidding me? Someone told me to not pay for a couple months to see if they would settle. So a couple months later I called and talked to someone else. Told them the whole story again, she was very nice and understanding. She said she could get me the missing statements and that they could split the payments with my ex according to the court docs. She gave me the address to send them to. I sent them along with a letter and the number she had given me. Nothing except them calling every day which I would n't answer because they would call my cell while I was at work. My point is, there is no way that we owed the amount they were saying if we were paying over the minimum to begin with. We never received statements, so if the due date changed, we did n't know. The account was closed, so there is no way we were still charging anything. I have not paid anything in 4 years due to the fact that they said they were getting me in the information that I requested and they have n't. So now they have charged me late charges and interest and are now threatening me with a lawsuit. All I wanted was proof that I owed the amount that they stated at the beginning. They have tried to offer me a settlement now, but I do n't even think I owe as much as that.
Complaint sub-issue: Debt was paid

On XX/XX/XXXX, I paid my internet bill with XXXX early, as I was closing the account it was typically auto drafted from. Despite removing the account from my online account and paying the bill on XX/XX/XXXX, XXXX attempted to autodraft on XX/XX/XXXX on my closed account, resulting in ( 1 ) a negative balance on my XXXX account XXXX XXXX XXXX a rejection of the draft by my former bank. 

I contacted on XXXX XXXX to inform them the negative balance should be XXXX, as I was notified by my former bank that the autodraft was rejected. At that time, the customer service rep for XXXX  removed the old account from their end ( even though it was already gone from the customer-facing site ) and assured me the account would be balanced shortly. 

On XX/XX/XXXX, the customer account site still showed a balance of XXXX. 

As of this morning, XX/XX/XXXX, the balance was {$0.00}. 

Today, I got a letter XXXX see attached ) from TRS Recovery Services , Inc claiming that XXXX had turned the " debt '' over to collections and I now owe {$89.00} + {$30.00} " returned Item fee. '' This letter is dated XX/XX/XXXX, XXXX days after I contacted XXXX. In addition, there is no way they would have turned an account where nothing was due over to collections. 

To " resolve '' the dispute, I went to the TRS  website, only to find they require my SSN, as well as a routing and checking account number for a dispute, despite having assigned a " reference number '' to the case. I then contacted XXXX to see if they could resolve the issue. 

See attached screenshot. The XXXX company does not use TRS Recovery for debt collection, they show my account as in good standing, and there is no debt in collection. 

I called the number on the TRS letter. The only way to talk to an actual person was to lie in the phone tree and claim I didn't have a reference number. When I did get an " XXXX XXXX '' on the line, she asked for my reference number. When I gave it to her, she hung up on me. 

This is clearly fraud.
Complaint sub-issue: Public record information inaccurate

Equifax stares on my dispute form that they verified a bankruptcy via XXXX XXXX. However my XXXX XXXX has been frozen for quite sometime now due to previous fraud and i also have a fraud warning on my equifax account. I called XXXX XXXX  to find out if any information was requested and they reported no and that my account was frozen. I called equifax customer service to find out what method they used to verify the bankruptcy and they stated that they used a 3rd XXXX XXXX, i said that was impossible because the account is frozen. They then stated they went through a different 3rd service. I asked which one because by law you have to disclose and the agent didnt say anything i also stated that in my report its states they used XXXX XXXX. After about 19 mins i asked for a supervisor who stated they called the court and verified which i know is false because courts dont verify with CRAs. Once i brought that to her attention she said they verify different ways. I advised her they were reporting incorrect information and i would be reporting to the CFPB and she whatever.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX. This has been longer than usual and my dispute has been over looked and Im very disappointed in how your system is made to fail and it is purposely done to ignore that you are the cause of my problem and Im not afraid to sue you in court for damaging my credit file. Youve leaked my information and caused my personal information to be seen by millions and now my file is damaged badly. Yes your company is the one to blame for this situation my file has been used more than a few times and Im tired of it. I will be suing for damages of the total accounts listed in the attachment area. I am unaware of the accounts and they need to be removed immediately following your investigation. I will be following up in less than a week and if it isnt removed I will be forced to go down to the XXXX XXXX XXXX XXXX House to file a lawsuit, contact the FTC, and place your company public record online of how you falsely mistreat consumers by placing inaccurate account for money.
Complaint sub-issue: Account information incorrect

XXXX XXXX  PURCHASE INTEREST FREE for 12 months XX/XX/XXXX, XXXX XXXX, {$1000.00}, XXXX   {$2000.00}. 
XX/XX/XXXX, Bedroom Set .OWE {$2500.00}, XXXX {$5100.00} XX/XX/XXXX Dining Room Set Owe, {$1300.00}, XXXX  {$2600.00} Total I owe is {$5000.00} XXXX  shows {$9700.00} The high balance on Credit Report is preventing me from getting home equity loan to pay the XXXX  loan off before interest in accrued. 

The correct amount needs to be reported correctly by XXXX to all three Credit Reporting Agencies. XXXX, Equifax and XXXX. 
The Correct Amount owed : {$5000.00} Not owed {$9700.00}
Complaint sub-issue: Was not notified of investigation status or results

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my XXXX XXXX. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Complaint sub-issue: Debt was result of identity theft

Discover is in many violations. I have been a victim of identity theft and I'm very irritated because I have not gotten one piece of correspondence. The account does not belong to me. Today I actually called and was told that a law firm took my file. I called the law at XXXX when I called I was told they dont even have my file. Then I called discover back again and after several transferred calls I was transferred to a law firm by the name of XXXX and I was told my case is on hold. He advised that my claim was denied back in XXXX. However until today I have not received anything from Discover how can tis even be valid??? to top it off the bureas claim my information is being verified when discover does not even have my file. There are many violations and no one is doing their job.
Complaint sub-issue: Problem with statement of dispute

Hello, I have been a victim of False Impersonation. I have a copy of my police report on file with the XXXX Police Department and I have a case number that I received from the FTC when i registered a claim with as it relates to the fraudulent activity. In addition all XXXX major credit bureaus have a certified copy of my police and a fraud affidavit. With that being said, i was advised to request a Freeze from the credit bureaus to prevent further fraudulent activity. I did for about two years. It was my understanding that no one would be able to access my credit unless i provided them with my access code. I received written confirmation in the mail that my credit file was BLOCKED from all XXXX bureaus. 

However, my complaint is the Equifax said they blocked my file but they still allowed unknown/authorized creditors have access to my credit file and add inquiries to my credit history. I have requested the UNAUTHORIZED inquiries be removed and instead of Equifax investigating and ascertaining the matter they said my investigation was complete after XXXX hours of receiving my dispute ... .. they said Inquiries are factual data??? 
My point is what was the person of my file being blocked if UNAUTHORIZED person/persons still had access to it? 

I am requesting the XXXX inquires be removed from my history XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account status incorrect

Equifax has XXXX 's last payment as XXXX. 
XXXX  has XXXX 's last payment date as XXXX. 
XXXX  has XXXX 's last payment status date of XX/XX/XXXX. 

Equifax has XXXX 's last payment as XXXX. 
XXXX  has XXXX 's last payment as XXXX XXXX  has XXXX 's last payment as XX/XX/XXXX. 

Equifax  has XXXX  's last payment as XXXX. 
XXXX  has XXXX  's last payment as XXXX. 
XXXX  has XXXX  's last payment as XX/XX/XXXX. 
Equifax has XXXX 's last payment as XXXX. 
XXXX  has XXXX 's last payment as XXXX. 
XXXX has XXXX 's last payment as XX/XX/XXXX. 

Equifax has XXXX XXXX last payment as XXXX XXXX  has XXXX XXXX last payment as XXXX. 
XXXX  has XXXX XXXX last payment as XX/XX/XXXX. 


THESE ACCOUNTS APPEAR TO BE FURNISHED BY THE SAME CREDITOR SO WHY IS IT THAT THE DATA THATS PROVIDED IS DIFFERENT ON EACH BUREAU? IT IS THEIR DUTY TO ENSURE THAT ALL INFORMATION PROVIDED IS CONSISTENT AND MOST IMPORTANTLY ACCURATE. HOWEVER THE CREDIT BUREAUS HAVE FAILED TO DO SO. I HAVE CONTACTED EACH BUREAU SEVERAL TIMES ABOUT ERRONEOUS INFORMATION. EQUIFAX HAS CHOSEN TO BLATANTLY DENY MY REQUEST TO FURTHER INVESTIGATE THE MATTERS.BECAUSE OF THIS APPARENT NEGLECT IN ENSURING THAT EVERYTHING ON MY REPORT IS ACCURATE, CONSISTENT, AND UP TO DATE, I AM HERE AGAIN REQUESTING THAT THESE ERRONEOUS ITEMS BE DELETED IMMEDIATELY.
Complaint sub-issue: Charged too much interest

I had some fraudulent charges on my Citi Bank Credit Card account from last year. In XX/XX/2020 I spoke to Citi bank to dispute the charges and asked for them to be removed and the account to be closed. 
The citi bank rep asked me to make a payment of {$300.00} - which were legitimate charges, which I did, this left a balance of {$140.00} which the agent said would be removed and the account would be closed as i'd requested. On the online account it states 'this account is closed ' To me this meant I would have a zero balance. I have not used the card since. 
Yet, each month I have received a statement from Citi with accrued interest now totaling $ 250+ and the collections department has been called in to collect on my bad debt with Citi . 
I have called Citi Bank on at least 5 occasions over the past couple of months and have been passed from one department to another being told that they would resolve the matter. 
Today I was on the phone for an hour and a half with Citi and was passed to 5 different departments - some twice, and still the matter is not resolved. 
If an account is closed why is interest being accrued? 
I have also written a letter to mail to every citi bank address I can find to try to resolve this issue - there is no email address and all phone customer service seems to be non XXXX Based. 
This is not fair to me, this will also put a negative mark on my unblemished credit report. 
All I want is for this to be resolved as I was told it was in XXXX - now 5 months later, it still isn't and I am paying for it financially with interest accruing each month. 
I want the public to be aware of how dishonest Citi Bank is to deal with.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXXt Account XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX OPENED XX/XX/XXXX, XXXX/XXXX OPENED XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX OPENED XX/XX/XXXX, XXXX XXXX OPENED XX/XX/XXXX. XXXX, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX OPENED XX/XX/XXXX XXXX XXXX OPENED XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX 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,