Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

I can not believe this is on here!!!!! Goes WAYYYYY back when I had XXXX as phone carrier until they were bought partially by XXXX ... I was release from XXXX and went with XXXX .... I can provide the release from them IN WRITING AGAIN ... They apparently did not notify this credit bureau ... Notice it is NO WHERE else.. Get it OFF of here before I sue The provider of this ...
Complaint sub-issue: Didn't receive advertised or promotional terms

The US Bank XXXX XXXX card promises 5 % cash back if you use the card to pay for your gym membership. I saw that my gym, XXXX XXXX, is specifically named as an example on the US Bank XXXX XXXX card website. That got me to sign up for the card and sign up for the 5 % deal. I noticed that I have not received the cash back as promised. When I called to complain, I was told that their system shows the charge as recreation and not as a gym, and there was nothing that could be done. And that I would have to get XXXX XXXX to change the way they charge their clients!? To my mind this is fraud - advertising that XXXX XXXX as an example of the gym that participates, but then not honoring that commitment.
Complaint sub-issue: Reporting company used your report improperly

XXXX made two inquiries to my credit report with XXXX  on XX/XX/2021. Each time a credit report is pulled it causes the consumer 's FICO score to decline. Mine went down by 18, and now is below average at XXXX. All my credit reports has freezes place on them. These over active mortgage brokers/lenders do not wait until the freezes are temporarily lifted and make inquiries over and over again to make these home loans and refi possible for the mortgage companies they work under. Therefore, making the consumer 's FICO scoring to decline. Because they perform this transaction twice, which was not necessary my credit file is totally in error by the decline of 18 and needs fixing my XXXX and Credit Plus, who both did the same exact thing for the mortgage broker/lender. Credit Plus made two inquires to my credit file on XX/XX/XXXX and XX/XX/2021. Again, not waiting for the freezes to be lifted by all three credit bureaus by being over-bearing in getting this loan application approved or accepted by the mortgage lenders. I am consider now below average with a terrible FICO created by a XXXX and Credit Plus that the mortgage brokers used to obtain my credit file.
Complaint sub-issue: Threatened to sue you for very old debt

XXXX XXXX has called all of my family members and divulged to them that I am in some sort of legal trouble. They told my daughter who is away at school I was going to prison if I didn't call them. When I called them and asked them to provide written proof of the debt owed they refused to do so. I have never been notified of a judgement and now after calling my office numerous times and being told not too they are threatening garnishment of wages. They still call an office I am no longer working out of. Finally they are telling me it is for a payday loan called Bridge Lending. I only did business with them in 2018. First, my records show the loan was paid in full. Second, the state of LA has three year rule making this debt out dated and they need to stop harassing me and my family. These tactics are unacceptable, heavy handed and very stressful. The latest number they is a XXXX, but they also have called from XXXX, numerous 800 numbers, etc. You never talk to the same person and they are always rude and disrespectful and threatening.
Complaint sub-issue: Right to dispute notice not received

In the first week of XXXX 2014, I paid ERC XXXX dollars for a XXXX phone bill over the phone with a debit card to my bank account.In addition ERC charged a fee in excess of that amount to pay them.not for expedited service but to simply pay my debt. 
Even though the fee was less than XXXX dollars, ERC DOES NOT DISCLOSE this total amount paid on my credit report.The reason they fail to is that " pay-me '' fee is illegal according to CALIFORNIA XXXX FDCPA.IT WAS ILLEGAL/FRAUDULENT TO CHARGE ANY FEE THAT WAS NOT EXPRESSLY DISCLOSED IN XXXX ORIGINAL CONTRACT.Additionally they have verified to XXXX and XXXX that the account is paid in full not in excess of paid in full and do not disclose the amount actually paid by me,
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

There were 2 fraudulent charges on my card on XX/XX/XXXX for $ XXXX/each from XXXX. I filed a complaint with Direct Express as required along with filing a police report locally and an FBI report online. I canceled the card on XX/XX/XXXX and was charged {$13.00} to expedite new card. On XX/XX/XXXX I was given 2 Provisional Credit Adjustments for $ XXXX/ea. On XX/XX/XXXX a new fraudulent charge by XXXX for {$120.00} was placed on the NEW card. Did all of the same stuff as I did with first fraud less the FBI report. Canceled the card and again paid {$13.00} expedite fee plus a {$4.00} new card fee on XX/XX/XXXX. On XX/XX/XXXX two {$200.00} Provisional Credit Reversals were on my account. On XX/XX/XXXX two Reversal Credits for {$200.00} were applied to my account. On XX/XX/XXXX XXXX Reversal Debits for {$200.00} each were applied to my account and it now sits at - {$400.00}! The XXXX charge is still currently in a provisional credit status for {$120.00} from XX/XX/XXXX. Due to all of this I decided to find a new banking institution and got all of my money out of that account on DirectExpress mastercard. I've been getting the runaround with DirectExpress and  their customer service is non-existent it takes forever to get a person and then they can't/wo n't do anything to help. Worst company I've dealt with ... EVER they need to be shut down!
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX was XX/XX/XXXX but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$590.00} ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Complaint sub-issue: Information is missing that should be on the report

An error to my credit report have not yet fix I've sent you too many letters to correct your record which is my credit report. I would like you to remove and delete what is detrimental to my credit report. If you continue your willful non compliance with the law I will file a small claims from your company for violating my Consumer rights There are items on my credit report that are in violations of the FCRA. 15 USC 1681 section 611 states that if an accounts are incorrect, inaccurate and unverifiable you must remove and delete it from consumer report. Also, there is an invasion of my privacy and defamation of my character.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to the 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 instruction.
Complaint sub-issue: Account status incorrect

There is an account on my Equifax credit report from XXXX XXXX XXXX that was just added in the month of XX/XX/XXXX. The account is showing a status of open and last reported to Equifax on XXXX XXXX. However this account was never on my Equifax credit report until XX/XX/XXXX. Not only is this account reported incorrect but should have not been reported to Equifax at all given the fact that this account was included in bankruptcy and discharged on XX/XX/XXXX, and was only reported to XXXX which have it listed as closed due to the bankruptcy. I have put in a complaint with Equifax about this issue but did not come to a solution because they are stating that the information they have received is accurate when in fact it is inaccurate.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/XXXX, 2014 we had a fire disaster in our Apartment Unit at XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX. XXXX XXXX   XXXX XXXX destroyed because of the disaster. I contacted XXXX about the disaster and the damage. They temporarily put a stop on services and got reconnected service two months later when we moved into our new Apartment. 

I never had any more communication with XXXX on the damaged modem which was because of the disaster. 

In reviewing my Equifax Credit Report i found out that the modem is listed as derogatory mark. I have tried several times to get this matter resolve with XXXX to no progress.
Complaint sub-issue: Information is incorrect

I noticed on my credit report that I have unauthorized accounts on my report. Pursuant to 15 usc 1681a3 they assu.ed this role without my permission or my consent. 

They did not have permissible purpose pursuant to 15 usc 1681b2. I did not instruct them to furnish the report and I never consented to it.

Pursuant to 15 usc 1681a4 they did not respect my right to privacy. They did not exercise their grave responsibility, were unfair & partial.
Complaint sub-issue: Information belongs to someone else

inaccurate information showing up on my credit report
Complaint sub-issue: Attempted to collect wrong amount

I moved out of XXXX XXXX apartment complex, XXXX XXXX XXXX FL, XX/XX/2020. They refused a final walk through and told me they had my forwarding address. I didn't give full 60 days notice and filled out paperwork stating the balance I would owe for the 15 days in XXXX. For months I never hear from them until I hear from a collection agency one night named IQ Data. I had read about this in some online complaints about the complex, but I had lived there 10 years and never late on rent or anything. I had a few maintenance issues, but that was it. I never thought this would happen to me. I had a good relationship with office personnel and management. So approximately 4 months later I'm called by a very rude and yelling young lady at about XXXX one evening that I owe an amount over {$1000.00} because of damages. I responded there weren't any damages to the apartment and that's why I asked for a final walkthrough because I was out 2 weeks prior to the end of my lease and could've had anything repaired if they said it was damaged. I finally received a letter from IQ data and responded saying I wouldn't pay without an itemized list of the damages. they sent a letter saying " damages ''. Not what was damaged. I am more than willing to pay what I owe, which should be less the {$150.00} deposit they kept for " damages ''. If you call IQ Data and ask for the person on the letter they always say that person isn't there and the same guy just yells. Now they've put this on my credit report which dropped my credit 90 points.
Complaint sub-issue: Information belongs to someone else

OPEN XXXX 2020 {$900.00} COMPANY : XXXX XXXX XXXX I CALLED NO RESPONSE
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX {$500.00} XXXX  XXXX {$500.00} XXXX  XXXX XXXX   XXXX {$870.00} COLLECTIONS XXXX {$350.00} XXXX  XXXX {$560.00}
Complaint sub-issue: Information belongs to someone else

Hello I was told that I can reach out to you all regarding a few items on my credit that is not mine. I went to refinance my loan and yes I was approved but with a high interest rate. I went over my credit with my loan officer and there are items on my credit that are not mine. I have the FTC also and I've filed a report with the police. I'm doing this on my own behalf. XXXX/XXXX, XXXX and XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax, To whom this may concern ; I mailed a Multiple Inquiry Removal Letter and have made numerous online disputing attempts in regards to 7 hard inquires on my credit report. Each dispute has ended the same with Equifax stating the same response to each inquiry " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' These hard inquiries are not factual. They are being disputed for a reason ... .I DID NOT AUTHORIZE. I have contacted each of these creditors and they all give me a hard time directing me back to the credit bureaus reporting these errors. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. That fact I keep receiving completed investigation reports after 2 days of submitting the investigation leads me to believe no proper investigation is being done. For example the most recent dispute I made was on   Tuesday  XXXX   XXXX ,   XXXX   and I received my results today Thursday  XXXX   XXXX . I am submitting this complaint due to the lack of investigation into these unauthorized inquires. Im requesting evidence of the results of all the investigations I have submitted, the name of the agent responsible for performing the investigations and the person or people contacted at the institution reporting this inquiry. It is my legal right to have Equifax substantiate anything they are reporting on my credit bureau. I will not take the same response as before. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXXXXXX Balance : {$200.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : 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 belongs to someone else

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

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$7900.00}, XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$2800.00}, XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$2300.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$240.00}, XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$460.00}, XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$4600.00}, XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$2800.00}, and XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Reporting company used your report improperly

My name is XXXX XXXX. It has come to my stention that although I have written several letters asking for validation of debt and audit trails, i am not getting any response because of the automated system thats in place which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 

I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm the three credit reporting agencies have done to me. 

DELETE THESE ACCOUNTS : XXXX XXXX XXXX XXXX. Account number XXXX on Equifax XXXX XXXX XXXX  account number XXXX on XXXX XXXX XXXX XXXX, account number XXXX on Equifax XXXX XXXX XXXX  account number XXXX on Equifax XXXX XXXX XXXX  account number XXXX on XXXX XXXX XXXX  hard inquires on XXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX billing code error : 15 USC 1666
Complaint sub-issue: Problem lowering your monthly payments

this is not my first attempt to contact someone at Discover Student Loan to get assistance with lower my monthly payment. As a matter of fact I have been trying for years without any success. I have emailed, called and even tried to contact the president of the company without 1 single response!! Customer service repeatedly states there is nothing they can do to help me with my situation. And yet their website and different articles I have read states how Discover Loan is one company that assistances their borrower that are having problems making their monthly payments. What do I need to do to get help?!?! I have tried to honest with Discover regarding my financial situation and yet they have not even asked for a copy of my XXXX or any financial documents. I have repeatedly stated my intent was not to walk away from my financial obligation however I need HELP!! Can someone please help me make my payments affordable??
Complaint sub-issue: Card opened as result of identity theft or fraud

An attempt to obtain a XXXX XXXX ' Master Card in my name was made with Citi Bank . They notified me via phone on XX/XX/2020 and gave me the application number, which was denied. 
My personal information was used in the application, but the email for response was to an address ending in 'XXXX. ' along with a request to send {$5000.00} to an address in Florida. 
I have notified XXXX and requested a 1-year fraud alert. 

This may be related to any of several data base breaches that I have been notified of in recent years.
Complaint sub-issue: Information is missing that should be on the report

I AM AN AUTHORIZED USER ON 2 CREDIT CARDS THAT ARE NOT BEING REPORTED ON MY CREDIT REPORTS
Complaint sub-issue: Problem with product or service terms changing

Sir or Madam, My husband and I were affected by the Equifax security breach. We have been working for more than two weeks to get signed up for the XXXX XXXX product. I was able to set up my account but I am still waiting to be able to use the product to see my credit report or to put a freeze on my account. My husband has been unable to set up his account. 

His problems are as follows : 1 ) Tried to set up an account but received a message stating the information he entered did n't match their records and so the process failed - XXXX/XXXX/XXXX XXXX ) Received an email today, XXXX/XXXX/XXXX stating the reason for the failure was because the account had already been established. 
3 ) Called the support line in the email, the woman he spoke to stated there was already an account for " this address ''. Clearly she did n't know how the product works. 
4 ) My husband asked to speak to a supervisor, who stated the problem has been reported by other consumers as well and the email was erroneous. 

Equifax 's response to this problem and the execution of their solution is sloppy and unprofessional to say the least. They are n't bringing their A team to the table to correct the problem or if they are their A team really XXXX. 

Regulators need to be in there monitoring their response to this problem.
Complaint sub-issue: Investigation took more than 30 days

XXXX, XXXX AND XX/XX/XXXX I PAID {$19.00} A MONTH FOR EQUIFAX ONLINE SERVICES TO MY CREDIT REPORTS. I CAN NOT ACCESS THOSE PURCHASED REPORTS NOW, AND I BELIEVE I AM ENTITLED TO HAVE ACCESS TO THEM. ASLO, I FEEL THAT I AM WORKING CONSIDERABLY HARD TO PAY BACK SOME THINGS ON MY REPORTS AND I DO NOT FEEL THAT EITHER XXXX, EQUIFAX, OR XXXX IS TRULY WORKING FOR ME AS A CONSUMER MUCHLESS, BE RESPONSIBLE TO HOLD MY FINANCIAL RECORDS AND HISTORY ACCORDING TO HOW THEY FEEL LIKE IT.. I NEED MY CREDIT SCORES CHECKED WITH ALL 3 COMPANIES. I HAVE PAID OFF SOME BILLS, HOWEVER THEY LOWERED MY SCORE BACK TO THE SAME AS IT WAS WHEN I STARTED. I BELIEVE MONITORING BETWEEN THE THREE, AND MY DISPUTES MAY HAVE ENTERED INCORRECTLY, NO MATTER HOW THOROUGHLY I EXPLAINED IT. IT LOOKS AS THOUGH I WAS PUNISHED BY DISPUTING DEBT AMOUNTS.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been attempting to resolve the multiple negative accounts on my credit report, however due to poor lack of inverstigation, validation, and communication I am requesting that all of the accounts be removed.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2016 Balance : $ 5,642.00-