Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Some fraudulent charges found and so I have filed with Discover Card company and Discover gave me credit for both authorized charges and unauthorized charges, I called Discover and notified them they are not supposed to give me credit that are accurate charges and do not charge back to merchants that are not fraud those charges are accurate. a month later Discover charged all back to my account including unauthorized charges and charged back to merchants at the same time that are not fraud charges and I specifically told them all online charges are accurate. I told them twice that all online charges or phone charges are accurate those are not fraud. Since they put all charges back to my account and they also charged back to the merchants I have to pay Discover and the merchants another means Discover double charged. They charged me and they took money back from merchants.
Complaint sub-issue: Information belongs to someone else

I noticed a account on my report I do not recognize
Complaint sub-issue: Account information incorrect

I personally called Citi Mortgage the first week of XX/XX/XXXXto get the pay off amount on one of my properties at XXXX XXXX XXXX in XXXX XXXX, NV On XX/XX/16 I signed off and XXXX confirmed that on that date the sum of over 93K was wired to XXXX to pay off that mortgage as of today XX/XX/27 I am getting Auto dialers that put me on hold for 3 to 5 minutes at a time all day long I am slammed with Calls, text, fax and emails I know I over paid and I want a refund ASAP Please do not confuse this complaint with previous ones I had 9 years from XXXX while dealing with them I blame even my moms XXXX, XXXX and ultimately even her XXXX  on all the stress they put us all trough
Complaint sub-issue: Account status incorrect

My Exquifax report shows a joint credit card on my file as having a balance of over XXXX and late when not only is that account closed but the balance is {$0.00}. This error is causing my debt to credit ratio to be extremely high and is negatively impacting my credit. Additionally, this shows as a 30 day late when this is not accurate as NO bills were sent to me after moving and with XXXX locking me out the account i had no way to determine the status of this account.
Complaint sub-issue: Received bad information about your loan

I returned to school at the XXXX XXXX XXXX in XXXX to obtain my XXXX Degree when I was in my early 40s.  I took out student loans with the service provider being XXXX XXXX, then XXXX.  I have been a long-time government employee.  When I first learned of PLSF, XXXX misled and misguided me.  I later consolidated the loans with XXXX  over to the U.S. Department of Education, serviced by FedLoanServicing.  I had many conversations with FedLoanServicing about qualifying for PLSF and what repayment plan was required for me to qualify.

I was misinformed and misled by FedLoanServicing, and after several years of repayment, I was told that I was not in the correct repayment plan.

I recently retired in XX/XX/XXXX, and my income is considerably less than last year.  I need help in getting my student loan debt straightened out, if not forgiven.  The balance has increased so much that I cannot understand why or how.
Complaint sub-issue: Information belongs to someone else

Someone got a {$5000.00} loan under my name with company/bank called RISE (  which is somehow related to XXXX  ). 

This is hurting my credit really bad. My score is down close to 200 points ( so far ),  other banks are closing my credit cards or lines of credit, I am not able to get a loan ( not even the COVID 19 disaster recovery loan ). 

I've called this bank more than 10 times and sent emails. Their response is always that the person in charge is not available or the fraud department is close ( no matter at what time I call ). I am only able to talk to customer support reps who are not capable of doing anything about it. 

I've tried disputing the case with the credit bureaus/agencies and the only thing they do is call the bank ( RISE ) to confirm the loan and nothing else. 

Please HELP!
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX Credit Report Agency has included in my personal credit report information from other credit information obtained by Corelogic, XXXX XXXX XXXX, XXXX, TX XXXX phone ( XXXX ) XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX phone : ( XXXX ) XXXX and placed it in my Personal Credit Information files. XXXX XXXX action to freely place such incorrect information from Corelogic and XXXX XXXX is damaging to my financial records since these 2 credit report agencies : Corelogic and XXXX XXXX have different methods to calculate credit reports beneficial to the consumer. I found XXXX XXXX action to place the reports from Corelogic and XXXX XXXX without my approval being ILLEGAL and damaging to my financial needs.
Complaint sub-issue: Was not notified of investigation status or results

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX
Complaint sub-issue: Other problem getting your report or credit score

I currently applied for insurance under the umbrella of the XXXX XXXX. Insurance with XXXX is limited in scope to being furnished to Veterans, spouses of Veterans, etc. 

When I applied for the insurance with XXXX, the XXXX was notified of issues with derogatory information on file with XXXX that was being contested and reported the issues to XXXX. Even knowing this information was on file XXXX provided a quote of $ XXXX ( rounded ) per year for homeowners insurance. 

After reviewing the quote and the file information provided XXXX billed my mortgage company a significant increase in the premiums due. MY mortgage company paid the amount billed even though it was not consistent with the quote. When I questioned the billing and the quote, XXXX furnished information indicating that they received a credit report from LEXIS NEXIS. XXXX provided the report no. I wrote to LEXIS NEXIS asking for a copy of the report.

LEXIS NEXIS responsded to my request indicating problems with my request even though I followed the instructions provided by XXXX. 

LEXIS NEXIS forwarded a letter on XX/XX/2020 providing a URL and PIN number. When I accessed their website, the URL and PIN No did NOT work. To ensure that I could obtain copies of the report, I tried their website, URL and PIN several times. I reported the problem to LEXIS NEXIS. LEXIS NEXIS indicated the information may have expired. I asked LEXIS NEXIS to provide the information they furnished to XXXX. They have NOT and are seeking to have me go through their process on a repetitive basis and insisting that I furnish PII on their formatted e-mail.
Complaint sub-issue: Debt was result of identity theft

In  XXXX   XXXX  I received a letter fr om Afni Collections , Inc. regar ding a debt with  XXXX  as the creditor and the balance as {$4500.00}. I mailed a certified letter of dispute stating I do not owe this debt and requesting they verify the debt as required by FDCPA. Within 30 days I received what appeared the exact same lett er ( s ). I then followed that with another certified letter of dispute but stated they must validate the debt and to asked for the following : 1. Agr eement with your client that authorizes you to collect on this alleged debt.    2.  Agreement that bears signature of the alleged debtor where he promises to pay the original creditor.    3. C omplete payment history on this account, to prove that the amount you wish to collect is accurate.     Within 30 days of my second letter I received another letter fr om Afni but all  they included of the requested items above was a bill. The bill reflects a bill period of  XXXX   XXXX  -  XXXX   XXXX   XXXX  and the same name as mine with an address in New York ... the bill shows the following devices :  XXXX   XXXX    XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   With that said, I have never lived in New York nor have I ever set foot there and have been a Florida resident 100 % since birth. I have never owned/purchased/leased any of the above items and I have not had an account with  XXXX  for near ly 10yrs if no t greater. I believe this to be a result of identity theft. When filing my  XXXX  taxes in early  XXXX  I became aware of a fraudulent attempt of a filing in my name. Fortunately that filing was flagged and held and with me being an early filer it was never processed. There was no compromise to my knowledge and the IRS handled it well and assigned me a PIN, etc. My  XXXX  filing earlier this year was smooth and successful and my credit shows now compromise as well and it certainly does n't show any  XXXX  account or reflect such neglected behavior which I stated  to Afni in  my last letter to them. This is not my debt and  Afni nee ds to cease their actions towards me.     Kind regards
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citi Cards XXXX XXXX XXXX XXXX XXXX, MO XXXX Dispute a Visa card purchase Dear Federal Trade Commission! 
1. I would like file a formal dispute via Citi Visa purchase in writing 2. I would like to withhold repayment to the credit card for a particular purchase ( {$89.00} and {$94.00} ) on which I file a dispute. Here are that merit a dispute : A ) I only authorized this merchant to charge me one ( 1 ) time. I did not authorize any other charges from this merchant. 
B ) My credit card account was charged more than once for the same transaction. I authorized one charge for {$4.00}. 
C ) Didnt approve purchase this item for amount of {$89.00} and {$94.00} D ) The item never arrived the item never was delivered to my door. 

REF to XX/XX/XXXX Reverse {$89.00} 1 ) On XX/XX/XXXX : Citi bank call and left the msg on my home phone said : There are so many fraud charge in my visa, please call back 2 ) On XX/XX/XXXX : I request Citi bank cancel the visa and send me the new visa card 3 ) On Tuesday XX/XX/XXXX @ XXXX : I call Citi bank regard to XX/XX/XXXX statement REF to XX/XX/XXXX Reverse {$89.00} A ) Citi bank said : since I file as Fraud which mean some one steal my visa and order the merchant B ) I told Citi bank more then 10 times : 1 ) I only authorized this merchant to charge me one ( 1 ) time. I did not authorize any other charges from this merchant. 
2 ) The item never arrived the item never was delivered to my door. 
3 ) Since the Citi left the message on my home phone about fraud. I misunderstood Fraud and dispute. I would like to file dispute now.

C ) Citi bank said/reply more than 10 times : A ) You support to file as dispute NOT fraud B ) The bank DOES NOT care since you file as fraud NOT dispute. I have to paid for {$89.00} even I did not order or receive this merchant Per federal Truth in Lending Act and the Fair Credit Billing Act : Under the Fair Credit Billing Act, credit card purchases protection. 170. Rights of credit card customers 93-495 93rd Congress - H.R. 11221 I certify that the information I provided is accurate to the best of my knowledge. 
XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, CA XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

I had a truck loan that was repossessed unlawfully. The company turned around and sold the truck for way under what the truck was worth but continue to bill me for the remainder of the loan which is predominantly interest as this is a subprime auto loan. I have an attorney and they were notified that I was filing bankruptcy so they hurried to file suit. I decided not to file bankruptcy very recently and was going to settle with the company but all of a sudden I have a garnishment on my paycheck for {$560.00}. I can not afford that payment amount and can not afford my bills now. I want to find out how much the loan company is ACTUALLY out from the truck without interest as I know it is not the {$6000.00} they are trying to charge me. The truck was never worth that amount. I was tricked by the dealership into even signing for this loan. XXXX and Gateway Financial trick customers into loans they can not afford and then repossess and that is how they make their money. XXXX and XXXX is who garnished my wages for Gateway. I need help with this company. I will pay what I myself caused, but not {$6000.00} to a greedy company making money off of customers who are desperate and easily tricked. This is unfair and deceptive. I want to settle on this and stop the garnishment.
Complaint sub-issue: Account status incorrect

So for the past 8 months I have been trying to get a charge off removed from my Equifax credit report. This charge off isnt mine, but Equifax has it as my old XXXX XXXX account. When I did further research I found that this account was clearly paid in full and then later closed the account. I've given Equifax the letter from XXXX XXXX XXXX showing account paid in full but they still refuse to remove it. I do have an attorney involved and will pursue a lawsuit if this matter isn't resolved. I want this charge off removed immediately. It has hindered me in attempts to get a business loan.
Complaint sub-issue: Personal information incorrect

I filled a complaint twice with Equifax that my date of birth and variation on social security number were incorrect. They have not corrected it and have not been helpful towards resolving the issue. 

There is a consumer statement posted on XXXX of last year in my credit report which also repeats this information.
Complaint sub-issue: Account information incorrect

XXXX  and XXXX XXXX continues to report inaccurate information in regards to XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. These accounts contain wrong information such as dates of delinquency and personal information as well as wrong account numbers.
Complaint sub-issue: Old information reappears or never goes away

I had a My rtgage with XXXX XXXX that foreclosed in 2009, it was supposed to be removed from my cr fit reports last year, but regardless of opening complaints with all three credit bureaus it 's still showing
Complaint sub-issue: Old information reappears or never goes away

I have been out of school for 10 years and paid off my student loan balance in XX/XX/2020. All of my student loans have been serviced by Fedloan Servicing. All 3 credit agencies ( XXXX, XXXX, and XXXX  ) show over 40 student loan accounts ( some of them from my XXXX degree which were paid off over 15 years ago ) which adversely impact my credit score. I am trying to buy a home and this is negatively impacting me. Many of the " accounts '' are loans with the same date. They won't fix this, and I submitted complaints with all 3 credit agencies. Their interface times out after 5 mins so it's impossible to go line by line to ask them to fix this issue. I have a XXXX balance and neither party thinks its their job to do anything. Fedloan Servicing, whom I called weeks ago, tells me to contact the credit agency, and the credit agencies tell me to contact the servicer to have the loan removed. Now I am stuck in the middle. This is outrageous.
Complaint sub-issue: Debt is not yours

When I contacted IC System Inc requesting debt validation pursuant to The Fair Credit Reporting Act and The Fair Debt Collection Practices act, they refused to validate the debt.
Complaint sub-issue: Was not notified of investigation status or results

In XXXX and XXXX of 2021, I filed a dispute with, Equifax and XXXX credit bureau about the unverified account XXXX XXXX XXXX number XXXX. In those 2 months I have asked numerous times for a response. I have not received anything in response from this bureau in over 60 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX To whom it may concern : Your company has been listing these items inaccuracy, no name of creditor, no contact information, this is inaccurate reporting. 
Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) states that you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
Name of Account Account Number Provide Physical Verification COLLECTION XXXX Unverified Account XXXX XXXX XXXX XXXX  XXXX not my address XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NOT MY ADDRESS XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX, PR XXXX XXXX XXXX XXXX  XXXX NOT MY ADDRESS XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ADDRESS XXXX, MS XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Report act XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency cant furnish a account without my written permission
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent numerous of letters stating facts of accounts on my credit report that are reporting incorrectly or cant be verified.
Complaint sub-issue: Information belongs to someone else

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXDispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XX/XX/XXXXXXXX XX/XX/XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XX/XX/XXXX XXXX Docket # : XXXX Source : XXXX File Date : Amount : Status Date : XX/XX/XXXX - XX/XX/XXXX Plaintiff : Action Type : Status : XXXX XXXX BANKRUPTCY DISMISSED *** XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$11000.00} AUTO {$5800.00} XXXX - {$5800.00} XXXX XXXX XXXX XXXX BANKRUPTCY TU/EF WAGE EARNER PLAN ACCOUNT ( CHAPTER XXXX ) Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW XXXX XX/XX/XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Problem accessing account

My account from Discover was frozen suddenly on XX/XX/XXXX. A message was displayed that I should call XXXX. However, it is impossible to resolve this issue with Discover. The phone call always (! ) drops after 3 hours and 2 minutes. In total, I have been trying to reach anyone for more than 14 hours -- unsuccessfully! Therefore, it is impossible to unfreeze the account and get access to my funds again. This Discover behavior and the impossibility to reach anyone on this phone number is widely reported on social media XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

I have sent letters out to the three credit reporting bureaus on dates XX/XX/2022, XX/XX/2022, and XX/XX/2022 regarding the verification on the accounts that are reporting negatively on my credit report. To this date I have not received the documents that I requested via mail that were used to verify the account. After various letters, the credit bureaus refuse to remove or correct this inaccurate information on my credit report. Here are a few items I attempted to correct with the credit bureaus but have not been resolved. 

XXXXXXXX XXXX : The payment history of this account is inaccurate. I have not been late on this account. I have contacted the original creditor but was referred back to the credit reporting bureaus to resolve issue. I have mailed out previous letters to resolve issue but there has not been a solution made. 

XXXX : The payment history of this account is inaccurate. I have not been late on this account. I have contacted the original creditor but was referred back to the credit reporting bureaus to resolve issue. I have mailed out previous letters to resolve issue but there has not been a solution made. 

XXXX : This account is not reporting correctly across all three bureaus. The account status is showing two separate statuses. The date that the account was opened is also showing inaccuracies. The high credit balance is showing different. The credit limit on the account is inaccurate. The payment status is not reflecting the same across the bureaus. 

XXXXXXXX XXXX : This account is not reporting correctly according to the FCRA. The date the account was opened is incorrect. The high credit balance is showing differently across all three bureaus. The date of last payment is incorrect. 

XXXX XXXX : This account is not reporting correctly according to the FCRA. The date on the account was opened is incorrect. 

XXXX XXXX XXXX : This account is not reporting correctly according to the FCRA. The date that the account was opened is incorrect. 

XXXX XXXX : This account is not reporting accurately according to the FCRA. The date that this account was opened is incorrect. The balance of the account is incorrect across all three bureaus. 

XXXX XXXX : This account is not reporting accurately. The date opened is incorrect across the bureaus. The balance on the account is reporting incorrectly. 

XXXX XXXX : This account is not reporting accurately. The date opened is incorrect. 

XXXX XXXX : This account is not reporting correctly according to the FCRA. The date that the account was opened is incorrect. The balance of the account is incorrect.