Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem getting a working replacement card

Received an alert that card was being used in XX/XX/2022, called Discover to report it wasn't me. The suspended the card immediately and stated that they'd send a new one, after XXXX weeks later called to report that I didn't receive it and was told it was due to a paymennt being due that they could not send a card, made a payment and was told it would be sent out, couple weeks later called again to state, card had not been received to be that they could not send me a card unless, I called from the number from an extensive fraud alert, that was placed on my XXXX account XXXX called XXXX, not sure how the fraud alert got there, sent them proof of address, copy of ID and a cover letter, called XXXX to verify receipt, the removed extended fraud alert, called Discover back and was told it wasn't removed, waited a week called back and refused to let customer service rep off the phone, after he told me the same, called XXXX on XXXX phone, verfied the information on speaker while rep on mobile phone on speaker. He calmed his attitude and stated he'd heard and will do a soft transfer so that he can explain to a manger that he heard my conversation with XXXX and that he applauds me on how calm I am after reading the notes on how many times, I've called. Once transfered, I got a XXXX on the phone, who stated to me that he told her that I needed a replacement card and they weren't able to send it cause, I had a fraud alert. She was just as unconcerned as all the other managers that I'd spoken to over the last 2 months. I have spent numerous hours on the phone, being transfered to unhelpful managers, having to explain my issue and many departments and inconsistency in the reasons for this issue, never a solution all though, I've done what was expected of me and 3 months later, no results insight.
Complaint sub-issue: Information is not mine

XXXX XXXX XXXX XXXX is attempting to collect for an account that is not mine. It was my girlfriends XXXX account that I was ONLY an authorized card holder on. It should be removed due to this. XXXX shows it on my credit report as charged off in XXXX. The breach of contract happened in early 2008. The account for XXXX XXXX XXXX XXXX is beyond the FCRA limits of 7 years and should be removed for that reason as well. They are also violating the FDCPA because I have asked them to validate this debt prior to reporting it and they refused. So I have XXXX and XXXX XXXX XXXX reporting a bad mark on my credit that should n't be there because it is over 7 years and it was n't mine and to top it off they refuse to validate it or allow me to prove it is n't mine.
Complaint sub-issue: Reinserted previously deleted info

I disputed a credit card that was stolen and file police report gave case number to Equifax back I XX/XX/XXXX and the XXXX account was remove from my credit file. XX/XX/XXXX the XXXX account reappeared again on my credit report after 6 years. They can not just put anything they want back on my credit file. Also I have no missed payments or collections or public records and I was denied credit for serious delinquency. I contact Equifax who verified that I do not have any delinquencies but XXXX has denied me a credit line increase due to Equifax reporting as per letter I received. I am being block credit when I have good credit XXXX score. I want Equifax investigated they told me to have XXXX call their Business off ice to straighten this out. why is the business office involved with my social security number. This is a violation of my civil rights and corruption. I want all my information at Equifax updated and correct in the business office files.
Complaint sub-issue: Account status incorrect

XXXX/XXXX  ( XXXX ) This account was opened in XX/XX/XXXX XXXX last payment was XX/XX/XXXX and should have been closed or charged off 90 days after starting the clock for the 7 years of charge off reporting XXXX XXXX  re-aged the account to show closed on XX/XX/XXXX as a Charge off.

I also contacted the big 3 credit comps. and they wont change it even though the dates are reporting for my last payment. 

This account should be removed from my reporting due to age of 10 years plus from last payment.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax refuse to send me any document bearing my signature
Complaint sub-issue: Public record information inaccurate

I filed bankruptcy, and my 2 year window is up to apply for a mortgage loan. My discharge date was XXXX XXXX XXXX all three credit bureaus have the incorrect date in there system, that reads XXXX of XXXX which is not correct. This has caused me to get turned down by two Lender 's and my credit score has dropped tremendously because of this and this is affecting my way of living. My goal this year was to be in a new home by now i should have been Closing on my new home, but that is not the case. I talked to XXXX over the telephone and they assured me that they had the dates correct on there end. It was very hard to get in contact with equifax and XXXX because they do not have a direct telephone number. I even had a lender to reach out to all three credit bureaus and i signed a authorization form for them to update or take the incorrect date off of my reports and they told my lender that they updated it, so she ran my credit again like a month later and the same thing is just sitting on my report. This really anger 's me because now i have extra family and i stay in this 2 bedroom apartment. Please help us to fix this simple issue. I have uploaded the form that i filled out to send to all three credit bureaus..
Complaint sub-issue: Old information reappears or never goes away

My loans have been pd. They are 7 yrs. or older. Ive asked for them to delete ... the credit bureaus just keep saying updated ... but still appear on all 3 bureaus.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/2020, XXXX XX/XX/2020, XXXX XXXX XX/XX/2020, XXXX XX/XX/2020
Complaint sub-issue: Other problem getting your report or credit score

on XX/XX/2018 I attempted to purchase a vehicle at XXXX XXXX in North Carolina. The dealership is unable to pull my credit report at that time. On XX/XX/2018 I attempted to set up a product so that I can see what the issue is with my Equifax credit report. I was unable to set up the product online and was instructed to contact customer support of Equifax. I contacted Customer support on XX/XX/2018 and was transferred to XXXX XXXX  first to verify my identification. I was told that there was an extended fraud alert on my credit that would be on there for 7 years. I also was informed that all they had to do was update my file with a phone number and my credit could be pulled. on XX/XX/2018 i noticed the charge for the product and attempted to login to see my credit information, the car dealership called and informed me that they still can not pull my report. I was not able to access my report. I called Equifax Consumer dept again and was told by XXXX who is a floor supervisor that I would not be able to access my report due to a error on the part of Equifax. I would have to wait up to 7 days for a possible resolution. At this time, it is stopping me from purchasing a vehicle. And I am very concerned for my personal information.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX These are unauthorized Hard Inquiries that are currently listed on my credit report. 
These Inquiries need to be removed from my credit report.
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX SS XXXX I am looking at my credit file and I notice a few error on my file. I live ar XXXX XXXX XXXX XXXX OH XXXX. Please remove the following address : XXXX XXXX XXXX XXXX XXXX, OH XXXX. 
The follow accounts are not mine XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX,
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I sent a dispute to Equifax through certified mail and answered back on XX/XX/2019 with a statement saying that they could not locate my credit file even though i sent all required information and copies of SSN and Driver 's License. And on another line said that i supposedly sent them a " XXXX XXXX Only card '' when i clearly sent them a huge XXXX color copy. Then i sent them an even bigger copy of my XXXX and came back on XX/XX/2019 saying that the documents provided were illegible even-though i sent them the same documents with a bigger copy. So first they couldn't find my file and then they couldn't read my documents even though everything is typed and copies clearly visible. They are Obviously trying to violate my right as a consumer to investigate information on my credit file. They are wasting my time and money with ridiculous and petty actions.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Complaint sub-issue: Debt is not yours

On Tuesday, XX/XX/XXXX I called XXXX XXXX to check the status of a order of a SIM card that I had not received since I tried to order it almost three weeks earlier. I was informed by XXXX XXXX that I did not receive the SIM card because of a debt that had been incurred XXXX. 

According to the The Fair Credit Reporting Act of 1970 XXXX XXXX and Professional Credit Services are excreting unfair credit practices by ( 1 ) XXXX  XXXX  refused to allow me telephone services for a debt thetas ( 7 ) years old. Debt incurred in XX/XX/XXXX, of XXXX, and XX/XX/XXXX of XXXX made the debt 7 years old. 


Professional Credit Services XXXX XXXX XXXX XXXXXXXX, Oregon XXXX ; Account No. XXXX ; Debit from XXXX XXXX  XX/XX/XXXX - XX/XX/XXXX I am accusing both companies of violating my rights under The Fair Credit Reporting Act of 1970 and discriminating against me based on my age XXXX years taking advantage of me because of my age.
Complaint sub-issue: Information belongs to someone else

I HAVE BEEN A VICTIM OF IDENTITY THEFT
Complaint sub-issue: Problem with rewards from credit card

Reserved and paid hotel travel with thank you rewards trip ID XXXX member ID XXXX. Reservation was subsequently shortened one night, documents confirming this requested by and provided to citibank, case file # XXXX. Many subsequent contacts initiated by me with refund of {$140.00} promised each time- never received.
Complaint sub-issue: Debt was result of identity theft

Dear XXXX Representative, The reason for this Fax is to bring to your attention a Fraudulent Account on my credit report originating from XXXX XXXX and XXXX XXXX XXXX ( XXXX ). XXXX and XXXX added a collections account to my credit report on XX/XX/XXXX from a fraudulent account originating at XXXX, a furniture leasing company and XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

When I called XXXX they could not find any accounts under my name XXXX XXXX associated with my social security # ending in XXXX. They did have an account under a the last name XXXX with my social security #. I told them that this was not my last name, but they insisted it was me and they said I purchased a 5 piece furniture set in the State of FL onXX/XX/XXXX from XXXX XXXX and XXXX XXXX on XXXX XXXX, XXXX. I asked them for the stores number and they gave me XXXX. I called and it says voice mail not setup. I looked up the number online and it said the store was closed. 

XXXX : XXXX I than received a call from XXXX, XXXX at XXXX and XXXX  XXXX who said he bought the XXXX XXXX and XXXX XXXX XXXX at least 2 yrs ago. XXXX said XXXX XXXXXXXX XXXX XXXX XXXX had closed down over 4 years ago. 

I called XXXX back and asked how a new account could be opened onXX/XX/XXXX if the furniture store closed down 4 years ago. I also asked XXXX how I could have purchased furniture in the State of Florida on XX/XX/XXXX when I live in XXXX XXXX, CA. They proceeded to tell me they could not help me because this account was sent to collections at XXXX XXXX XXXX ( XXXX ) and I should call XXXX. 

I than called XXXX XXXX XXXX ( XXXX ) and proceeded to tell them the same story and they insisted this was my account and said I took delivery of the furniture and I owed them {$3100.00}. I asked them what the delivery address was and she said the furniture was delivered to XXXX XXXX XXXX. I asked her to repeat the address two more times and she stated all three times XXXX XXXX XXXX. I told the XXXX customer service person this was not my address and she started to get very upset. 

I told XXXX this was Identity Theft and this was a fraudulent account because the new account started on XXXX was under a false name, XXXX XXXX, at a store thats been closed for 4 yrs and with a false delivery address. XXXX said I needed to send them a police report and Affidavit of Forgery and my drivers license to dispute the account and then hung up on me when I tried to ask more questions. 

I called the XXXX Sherriff department and Deputy XXXX came and took my statement and issued me a police report stating that Im a victim of Identify Theft Penal code 530.5 ( A ) which is unauthorized use of another person 's personal identifying information. 

Im asking XXXX to remove this fraudulent collections account from my XXXX XXXX and XXXX credit reports because Im a victim of Identity Theft. 

Im including the Police report which is 2 pages and the Notarized Affidavit of Forgery which is also 2 pages with this 2 page cover sheet and my Drivers License and Passport Card. 


Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 I sent in a letter telling the bureaus that I've been a victim of identity theft bring it to their attention They did nothing in the matter of resolving my issue
Complaint sub-issue: Seized or attempted to seize your property

AFFIDAVIT OF XXXX XXXX XXXX XXXX licensed private investigator License # Al XXXX Mortgage Compliance Investigators ' Chain Of Title Analysis & Mortgage Fraud. have looked at Mortgage of XXXX XXXX & XXXX XXXX, dated XX/XX/XXXX and filed in the Official Records of the XXXX County Clerk 's Office on XX/XX/XXXX as ins # XXXX, regarding a loan for {$400000.00}. The Original Lender of the XX/XX/XXXX XXXX loan is XXXX XXXXXXXX XXXX  XXXX.. XXXX XXXX XXXX foreclosing is not named in any way on the XXXX XXXX & XXXX XXXX Mortgage. 

Further more, we have looked at the XXXX County Record relating to the XXXX XXXX & XXXX XXXX Mortgage dated XX/XX/XXXX. The XXXX County Record shows an " Assignment of Mortgage '', dated XX/XX/XXXX and filed in the Official Records of the XXXX County Clerk 's Office on XX/XX/XXXX as ins # XXXX, signed by XXXX XXXX as Vice President & Authorized Signatory and notarized XX/XX/XXXX by XXXX XXXX (? ), Tennessee Notary,  where XXXX XXXX XXXX XXXX grants, assigns, and transfers to 21 st Mortgage Corp. 

We have looked at the XXXX County Record relating to the XXXX XXXX & XXXX XXXX Mortgage dated XX/XX/XXXX. The XXXX County Record shows no record of a discharge of the Mortgage as required in covenant 23 of the Mortgage which states " Lenders Obligation to Discharge this Security Instrument, When Lender has been paid all amounts due under the Note and under this Security Instrument, Lender will discharge this Security Instrument by delivering a certificate stating that this Security Instrument has been satisfied. .This has not happened. 

The 21st Mortgage /XXXXXX/XX/XXXX is not apart of the original tangible note obligation yet seeks to use our judicial system to illegally steal real property from the American people a clear violation of Trump Administration Executive Order 13818 of XX/XX/XXXX Blocking the Property of Persons Involved in Serious Human Rights Abuse or Corruption.
Complaint sub-issue: Investigation took more than 30 days

I had one outstanding auto loan with Ally Financial. A payment of {$7100.00} was made on XX/XX/2021 and the account was paid in full on XX/XX/2021. No updated balance information is reflected on any of my credit reports relating to this account since XX/XX/2021. I have attempted to get this corrected 3 times and as of today XX/XX/2021 neither of my XXXX or XXXX payments are reflected on any of the credit reports.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been filing a dispute on several occasion and numerous of times of the same complaints. Equifax and XXXX has not been reporting disputes nor fully resolving them. I have reported fradulent activities including identity theft. I believe its a system breach and it is affecting my life. My credit score has been decreasing due to this illegal activities. I have contacted the companies that was reporting this information as well as the credit bureaus. Nothing has been done. XXXX XXXX has more updates then the actual credit bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : 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 XXXXXX/XX/2016
Complaint sub-issue: Information belongs to someone else

This is my 17th attempt to dispute the information in my credit file which is resulted from an identity theft. Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FRCA section 605B ( a ) ( 1 ) ( 2 ) CREDIT BUREAUS are required to block any information in my file that resulted from an identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Please block the reporting of any information in my credit file that resulted from an identity theft ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXXXXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXXXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ;
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Information belongs to someone else

I have several unauthorized inquires on my credit report which I Did receive any lines of credit nor am I familiar with the companies. I have listed the dates and companies of the inquires below Company : XXXX XXXX Date:XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX   XXXX  Date : XX/XX/2019 Company : XXXX XXXX Date : XX/XX/2019 Company : XXXX  Date : XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX Date:XXXX Company : XXXX XXXX   Date : XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX Date:XXXX Company : XXXX Date:XXXX Company : XXXX Date:XX/XX/2019 Company : XXXX XXXX Date:XX/XX/2019 Company : XXXX XXXX Date:XXXX Company : XXXX XXXX Date:XXXX Company : XXXX XXXX Date:XXXX Company : XXXX Date:XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX  XXXX XXXX  Date : XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX XXXX XXXX Date:XXXX Company : XXXX XXXX Date : XX/XX/2019 Company : XXXX XXXX  Date : XX/XX/2019 Company : XXXX XXXX Date : XX/XX/2019 Company : XXXX XXXX   Date : XX/XX/2019 Company : XXXX Date : XX/XX/2019 Company : XXXX XXXX Date:XXXX Company : XXXX XXXX XXXX XXXX Date:XXXX Company : XXXX Date:XX/XX/2019 Company : XXXX Date:XXXX Company : XXXX Date:XXXX Company : XXXX Date : XX/XX/2019 Company : XXXX XXXX XXXX XXXX Date : XX/XX/2019 Company : XXXX Date:XXXX Company : XXXX Date : XX/XX/2019 There are also different accounts on my credit report that I did not authorize. I have listed them below. 

Account Name : XXXX XXXX Account # XXXX Amount : {$820.00} Account Name : XXXX XXXX Account # : XXXX Amount : {$2000.00} Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Amount : {$180.00} Account Name : XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX Amount : {$530.00} Account Name : XXXX XXXX XXXX XXXX XXXX # XXXX Amount : {$1000.00}
Complaint sub-issue: Contacted you after you asked them to stop

Several people from this place called my phone and my husbands, claiming to be working for XXXX XXXX and XXXX XXXX  connections wanting me to pay an old XXXX XXXX debt. I asked them to send this in writing. They did not. They tried several times to collect money from me over the phone, saying that it was not handled properly and that I owe XXXX XXXX a lot of money. They said I have to make arrangements. I was connected to several different people. I am XXXX and would appreciate them leaving me alone when I asked them to. I asked for something in writing and they said they would but instead keep calling up to 5-10 times a day telling me to call immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

This account that's showing on my report by XXXX XXXX XXXX in the amount of {$1400.00} is not mine, nor do I have any accounts or contracts by this company, EQUIFAX is fraudulently reporting an verifying an account that does not exist.