Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card was charged for something you did not purchase with the card

I reported the unauthorized charges to Macy 's customer service and Macy 's fraud department in XXXX, Ohio. There has been more than one report. I contacted Macy 's on XX/XX/XXXX at the XXXX Ohio Corporate Headquarters. They are aware of the problem, I am owed a refund for money received by Macy 's in connection with the unauthorized charges, approximately XXXX  not including the penalties and interest which have accrued since my most recent demand for payment which was made by certified mail inXX/XX/XXXX. I was stalked to shop. A police report has been filed. 

A report has been made to the FTC. 

The penalties and interest increase the award by 100 times which equals.XXXX. 

On XX/XX/XXXX Macy 's claims to have escalated the issue. My banker and the police detective have been given the status.
Complaint sub-issue: Information is missing that should be on the report

In XXXX of 2015 I secured a mortgage through XXXX in the amount of XXXX. I never missed a payment and this account is not being reported by Equifax. They refuse the properly report my credit worthiness. 

This is the 3rd account that has never been late and was in perfect standing they refuse to report. XXXX has reported it but I pay for the XXXX service. I dont pay Equifax maybe thats why they dont report my credit properly. 

They need to report my previous mortgage immediately
Complaint sub-issue: Account information incorrect

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Complaint sub-issue: Threatened to take legal action

Palisade Collection bought a credit card debt and forwarded it to XXXX XXXX XXXX now known as XXXX and XXXX to be collected. A judgement had been placed at least 8 - 12 years ago. They garnisheed for it. The XXXX was collecting on my salary so this discontinued. They are now telling me this is not time barred debt, that it is a " money judgement. '' which there is no explanation for. They tell me it is XXXX credit card so I am confused as to why it would not be time barred. They are now threatening to lock my bank account to take funds. My husband & myself are both XXXX and I have a XXXX XXXX. This requires a lot of medication. I can not have my bank account locked and funds taken. This would be beyond detrimental. I need someone to help me on this case.
Complaint sub-issue: Debt is not yours

May be a victim of identity theft. My accounts have been frozen for years.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX I submitted a dispute to Equifax with no response. I submitted a duplicate dispute XX/XX/XXXX. Equifax sent a regular credit report instead of an answer to my disputes. this places them in violation of the following FCRA regulation : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information * ( 1 ) Reinvestigation Required * ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

* ( C ) Limitations on extension of period to reinvestigate. Subpara- graph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I never received items I purchased online. Merchant is unresponsive, order has never been shipped out. 

I placed an order on XXXX on XX/XX/2022 for XXXX XXXX XXXX  for a total of {$64.00}. After not receiving an order confirmation emailed, I emailed the merchant on their support email provided on their website. I got an automated unable to deliver email because the email they provided was fake. 

I waited and opened a dispute with my credit card company, Citi, on XX/XX/2022. On XX/XX/2022, the merchant replied to the credit card company with ONLY a receipt of my payment. They have never provided proof of shipment or delivery of the items I purchased. Even with this evidence, the credit card company, Citi, has sided with the merchant and closed my dispute. 

I have provided them with evidence I never received my items, the merchant provided a fake email address, the merchant never shipped out the goods, and my order is only showing as " processing '' on this day, XX/XX/2022. 

After some internet investigation, I have found this website to be FAKE! Many people have been scammed in the same fashion as me. They placed an order, made the payment, and never received the goods. This merchant website is XXXX but they operate under names such as " XXXX  '' and " XXXX XXXX. I have also provided evidence of this website engaging in scams in pictures I have attached. It is a link : XXXX XXXX XXXX  and the comments below the post is where everyone has been scammed like me. 

It is not fair that I found this website on XXXX, made a purchase, never received the goods, to dispute it with the Credit card company and they sided with the merchant even though the merchant had no evidence of shipment.
Complaint sub-issue: Account information incorrect

I had a Macy 's account that was open XX/XX/2015. No payments were made and the account was closed. Currently reporting that payments were made and incorrect close dates. I have attempted to contact Macys as well as dispute the account with XXXX and the debt continues to come back validated. When I inquire about the account I am sent to an address for customer care because the account is so old they are unable to pull up any information on it. The account is reporting as a balance unpaid when they report that they charged off the debt and transferred it. When XXXX reaches out for validation they respond that all information is correct and continue to update the account on my report.
Complaint sub-issue: Their investigation did not fix an error on your report

I have 16 accts that were included in my Chapter XXXX Bankruptcy discharged in XX/XX/2019 that continue to report neg information on my credit report and they are still affecting my ability to get new credit. Late payments & neg information is still visible to anyone that pulls my credit when I am applying for new credit. I know these items are not to report neg payments after they are included in a discharged Bankruptcy, but these accts still are! I have disputed these items several times & they still continue to report this neg information. The credit bureaus & the individual companies refuse to correct or remove these neg accts. Pls help me to get these items removed from my credit reports as I have had no luck disputing them myself. I know this is a violation of the Bankruptcy laws & these companies need to be called out on this kind of violation. I can provide proof of this affecting me in a neg way. I have enclosed a copy of all the neg reporting info showing up on my credit reports and a denial of credit letter.
Complaint sub-issue: Information is missing that should be on the report

FCRA state that all information on credit report must be accurate, I was looking over my credit report & found three fraudulent derogatory marked accounts, this have left me in a state of XXXX! XXXX XXXX XXXX was the original creditor this debt was sold which is illegal & now these fraudulent accounts are on my name, I wish to have these accounts removed from my account at your earliest convenience!! 

XXXX XXXX XXXX XX/XX/2019 Open Balance : {$1200.00} XXXX XXXX XXXX XX/XX/2019 Open Balance : {$680.00} XXXX XXXX XXXX XX/XX/2019 Open Balance : {$680.00}
Complaint sub-issue: Information belongs to someone else

I did not authorize nor consent to the following accounts being furnished on my consumer reports. 
1.XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect and inaccurate items on my credit report it has been well over 30 days and I haven't received any investigation results.
Complaint sub-issue: Information belongs to someone else

This is my second time disputing these accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : -XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX
Complaint sub-issue: Reporting company used your report improperly

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Due to the breach of my privacy, I am requesting the following items be deleted Immediately. 

XXXX EMPLOYER 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 XXXXXXXX Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax EMPLOYER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : 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: Their investigation did not fix an error on your report

After completing an investigation to an alleged bankruptcy record. Equifax certified that the record was " Verified as accurate ''. I have contacted the data furnisher ( XXXX XXXX ) for an updated consumer report showing no bankruptcy record. Please see the attached full consumer report dated XX/XX/2022, page 52 under " Bankruptcy Records ''. In addition to this new file, I have attached the letter from the Bankruptcy Court who has certified that they " Do not report filings to CRA 's ''. I am demanding the removal of this record in accordance with 15 US 1681i. Equifax has failed to provide proof of the accuracy and completeness of this record, and therefore it must be removed. Equifax claim of " verifying '' this record with said data furnisher ( XXXX XXXX ) has been proven to be false.
Complaint sub-issue: Personal information incorrect

Dear Cfpb / Credit Bureaus/XXXX, Equifax, and XXXX  ; I was going through my credit again this morning and I'm still shocked and amazed that you guys failed to fix and remove those wrong personal information on my credit like the wrong variations of my name, unknown address, wrong name, wrong addresses, unknown accounts, etc. I've sent at least 6-7th different request with supportive documents to show you that you continue to report wrong information but you failed to fix those issue. I'm not sure if you just simply neglecting my request or not getting them.

Those are not my information and it continues to report wrong. Please correct my name to show the attachment. Delete any unknown addresses, other than the one that i gave you, remove the wrong name and the variations of the name, remove any those unknown accounts list. PLEASE FIX!
Complaint sub-issue: Their investigation did not fix an error on your report

I had a XXXX XXXX  secured credit card that they closed in Late XXXX due to an identity theft issue that I was experiencing. I paid the balance to a XXXX balance in XXXX of XXXX and the account should have been closed with no late payments... They knowingly continued to report the account was open through XXXX and reported 5 late payments thus ruining my credit reputation and severely harming my credit score.
Complaint sub-issue: Didn't receive enough information to verify debt

This complaint is based on violations of the FDCPA and the FCRA by EOS CCA ( EOS ). 

___ On XX/XX/XXXX, I reviewed my credit reports and saw a collection account reported by EOS regarding a phone bill. I only just discovered the account from my credit report. EOS never sent me a letter with a notice that I had a right to dispute the debt. 

___ On XX/XX/XXXX, I disputed the debt with EOS by certified mail. 

XXXX EOS did not respond to my letter and did not validate the debt. 

XXXX In my letter, I gave EOS notice that I will also dispute the account with the credit bureaus. According to federal court decisions, if a debt collector verifies an account to a credit bureau before validating the debt, that is a violation of the FDCPA for failing to cease collection of the debt. Here is case law on this : Until the debt was verified, all further attempts to collect on the debt, including defendants XX/XX/XXXX letter and any subsequent reports to the credit reporting agencies, violated 1692g ( b ). Semper v. JBC Legal Group, 2005 WL 2172377, *4 ( W.D. Wash. 2005 ) [ emphasis added ]. 

___ On XX/XX/XXXX, I disputed the unverified account with the credit bureaus. 

___ On XX/XX/XXXX and XX/XX/XXXX, the credit bureaus sent me the results of the re-investigations. EOS failed to cease collection of the debt because they falsely verified the unverified debt to the credit bureaus. 

___ Also according to federal court decisions, the failure of EOS to provide account-level documentation to validate the debt means that they had no such materials to rely on when they verified the account to the credit bureaus. Here is case law on this as well A jury could also find that because [ the debt collector ] retained the right to seek account-level documentation through its agreements with [ the creditors ] [ it ] behaved unreasonably when it reported the accounts as verified without first exercising those rights. Hinkle v. Midland Credit Management , Inc., et al No. 3:2013cv00033 ( S.D. Ga. 2015 ). 

XXXX Based on the aforementioned facts, EOS violated the FDCPA and FCRA. 

___ ( a ) Violation of the FDCPA 15 USC 1692g ( b ) in that they failed to cease collection of the disputed and unverified debt. 

___ ( b ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt. 

___ ( c ) Violation of the FCRA 15 USC 1681s-2 ( b ) in that they failed to conduct a reasonable investigation of my dispute thru the credit reporting agencies. 

XXXX DAMAGES : I was denied credit due to the unverified collection account that EOS wrongfully verified to the credit bureaus. 

XXXX RECOURSE : I spoke with a consumer lawyer about filing a complaint with the CFPB. He explained how to structure my complaint, and to contact him if my CFPB complaint does not resolve this matter.
Complaint sub-issue: Information belongs to someone else

DO NOT CLOSE I HAVE NOT MADE A COMPLAINT LIKE THS My name is XXXX XXXX. I am not a third party. I am making this complaint on my own behalf. I was a victim of identity theft and see all the fraudulent unauthorized accounts on my report. I already contact the creditors and got the accounts closed. I also see unauthorized addresses on my report. Again I am not a third party. FRAUDULENT ADDRESS : XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Credit cards opened by thief : XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Complaint sub-issue: Old information reappears or never goes away

I submitted an online on XX/XX/XXXX through XXXX XXXX, to dispute and remove information from the creditor Jeff Cap Sys ( XXXX XXXX XXXX ), as this particular creditor has violated my rights and has been renewing and re-shuffling the negative item which is more than 10 years old on my credit report. 

On XX/XX/XXXX I received a notification from XXXX XXXX, that the creditor denied my request to remove the item from my report and I saw that the creditor UPDATED the date on the report to reflect this YEAR! The report was showing a date of opening in XXXX before the dispute, and now after the dispute it shows a date of XXXX! I don't have XXXX XXXX as a carrier, I've had XXXX XXXX XXXX for many years and I've been given discounts and recognition for being a matured customer with the company. From the attached credit report that was retrieved in XXXX, anyone can see that they reported this account being closed and opened in XXXX ; however looking at the result from XXXX  XXXX  it now shows an open date of XXXX! I'm so FED up with these types of creditors and sneaky collections agencies. 

I've submitted disputes more than once and for over 7-years it has remained on my credit report. I've lost potential employment due to this negative item upon my report in the past and PRESENT. In this time that we are in it's not warranted. I also have NOT been a customer of the creditor for many years now ; in addition, the information and amounts have been inflated and are inaccurate.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, I disputed a charge of {$70.00} from the XXXX XXXX with Discover, after a horrible dining experience. My fiance and I waited an hour for our food. The server did not come and check on us at all. We finally received it and the quality and temperature were horrible. Asked the manager to refund us and he refused, stating we already bit into the food. We only had a few bites! I clearly stated this was my reason for disputing, yet I receive a ridiculous letter from Discover stating that they find the charge to be valid based on the merchant 's documentation. So I looked at the documentation, and all it was was a bill and a receipt that my fiance signed! I never said we didn't authorize the charge!! We didn't want to but it was either pay the bill or go to jail. Was the reason for my dispute even read?? They completely disregarded what I said, and closed the investigation! They did tell me that if I want them to continue, to complete their attached form. But I look at the form, and it's clearly not meant for me -- Talking about proof of return and cancellation.. Seriously?? AGAIN -- I never said we didn't authorize the charge ... Barely have had any issues with Discover thus far, but the way they mishandled my dispute is absurd. Going to cancel my account with them if they don't take care of this the right way.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX noticed inaccurate, unverified data reporting. Disputed items and collection agency has not provided any debt validation or notice to dispute under fdcpa or FCRA sec 609. FCRA sec 609 requires collection agencies to validate debt upon request with contract bearing signature and proof of all data reporting.

Credt Bureaus are knowingly reporting inaccurate unverified data based personal infomation, thisis not proper validation.
Complaint sub-issue: Deposits and withdrawals

I transferred money from my IRA to my checking account both at Bank of the West. BoW failed to transfer the funds and wrongfully dishonored three checks. B o W did reverse fees but refused to compensate me for costs incurred and damages suffered.
Complaint sub-issue: Problem with fees

I have been a customer of Citicards since XXXX and have always maintained a up to date account. On or about XXXX XXXX, XXXX their customer service department contacted me regarding a payment and told me that to avoid a late charge to submit my payment. She informed me that as long as I made a payment that I would not be charged a late fee. I then get a statement and they charge me a late fee. Why in the world would you tell me I was not going to get one if I made the payment and after I made the payment you gave me one. That is not good business. Let alone, by law there is a grace period for making payments. I will be terminating my business with them
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I checked my credit report XX/XX/XXXX and I found 4 inquires that was unauthorized .I file dispute three time about then and I have not heard back from bureau about inquires. 

1.XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XX/XX/XXXX 3.  XXXX XXXX XXXX  XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXXXXXX account # XXXX, XXXX account # XXXX, 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: Information belongs to someone else

I have been disputing fraud ACCOUNTS on my credit report. The accounts are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the accounts claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the accounts immediately! 
XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$62.00} XXXX XXXX XXXX Balance : {$40.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$840.00}