Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card opened as result of identity theft or fraud

I am the victim of a sophisticated fraud perpetrated by my ex wife XXXX XXXX against me over the life of our marriage. I have consulted with local authorities and with legal counsel, and I have been advised that my rights under the consumer protection statutes at both federal and state level are applicable here. However, after notifying Discover of the fraud discovered, they allegedly conducted an investigation and decided to ignore my rights under the law that protect victims of Identity Theft. I understand that the circumstances are not your cookie cutter, cut and dry identity theft - however if you look at the totality of the situation- I never benefitted, authorized, or was aware of any of these accounts opened, maintained, and used in my name. My signature was forged, in every single instance that the cards were used. Payments were made from an account not under my name. The forgery and deceit is of the highest level, and I have stated numerous times that I am willing to cooperate with and assist with any prosecution for forgery, fraud, and ID theft charges that should be levied on XXXX. 

Pursuant to the guidance issued by the CFPB and The Federal Trade Commission, I have included my law enforcement report and my notarized Fraud Affidavit in this complaint. This ID theft report has been provided to all my creditors, however Discover is choosing to ignore the facts and reach a conclusion against me, the victim of a sophisticated Fraud. 

Discover has been provided with a legal notice summarized here : " Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). '' They have failed to abide by those requirements and more, and therefore leave me no choice but to pursue assistance from the CFPB in order to resolve this fraudulent debt against me.
Complaint sub-issue: Received bad information about your loan

Ive been in school at XXXX University for sometime now and Ive accrued about 20 different loans from this school with XXXX XXXX XXXX. I was out of school for some time due to hardships where I lost my job and was unable to make the monthly payments of {$500.00} per month to continue to attend school. While I was out my 20 loans all reported something negative on my credit report ranging from the months of XXXX-XX/XX/XXXX. I spoke with Nelnet and advised them of my hardship and asking as a Goodwill will they remove the late payments attached to my credit reports. I am currently back in school and on track to graduate in XX/XX/XXXX. The student loans have negatively impacted my credit reports. Please help.
Complaint sub-issue: Account status incorrect

NelNet has failed to remove late payments and/or charge off information on old student loan of mine. All of my loans were discharged under the Total and Permanent Disability Discharge program and as such all of my student loan information should be removed from my credit reports. Thank you for your consideration in this matter.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Debt was result of identity theft

Remove the debt from me and ask the con artist student loan provider to pay it. I have already made payments towards this unauthorized balance just to increase my credit score. Did not authorize any loans. Did not receive services.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XX/XX/2022 I cash app someone {$470.00} in error. Once I found out the person it was intended for I followed the procedure to get a refund. However by this time the company was closed for the day, I reached out to chat support and didnt receive a response from them until the next day. I spoke wil cash several times today on XX/XX/XXXX to no avail no one can help me. I requested a Manger still have not heard back from XXXX by email. Now Im out of {$460.00}.
Complaint sub-issue: Account information incorrect

XX/XX/XXXX OCCURRENCE DATE XXXX XXXX  XXXX/XXXX  XXXX REPORTED IN CORRECT INFORMATION TO THE CREDIT BUREAUS. 

CREDIT REPORT FOR ACCOUNT NUMBER XXXX, DATE REPORTED XX/XX/XXXX. 

STATUS IS INCORRECT, AS THE STATUS SHOULD BE PAID CHARGE OFF AS THE ACCOUNT HOLDER MADE A SETTLEMENT TO PAY OF THE ACCOUNT IN THE AMOUNT OF {$960.00} ON XX/XX/XXXX. ATTACHED PAID RECEIPT DATED XX/XX/XXXX. 

CREDIT REPORT STATES LAST PAYMENT ON XX/XX/XXXX, THIS IS INCORRECT AS THE PAID RECEIPT STATES PAYMENT XX/XX/XXXX. 

CREDIT REPORT STATES DATE OF MAJOR DELINQUENCY FIRST REPORTED ON XX/XX/XXXX. THIS FALSE AS THE ACCOUNT FIRST MAJOR DELINQUENCY WAS XX/XX/XXXX STATUS SHOULD READ PAID CHARGED OFF THE 81-PAYMENT HISTORY IS INCORRECT IS IN NOT COMPLETE AS IT FAILS TO STATE FOR YEARS XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 



CREDIT REPORT FOR ACCOUNT NUMBER XXXX, DATE REPORTED XX/XX/XXXX. 

STATUS IS INCORRECT AS THE STATUS SHOULD BE PAID AS THE ACCOUNT HOLDER MADE A PAYMENT IN FULL IN THE AMOUNT OF {$300.00} DATED XX/XX/XXXX. ATTACHED PAID RECEIPT DATED XX/XX/XXXX. XXXX XXXX  XXXX/ XXXX STATES ACCOUNT WAS PAID BEFORE CHARGE OFF. 

CREDIT REPORT STATES LAST PAYMENT ON XX/XX/XXXX, THIS IS INCORRECT AS THE PAID RECEIPT STATES PAYMENT XX/XX/XXXX. 

CREDIT REPORT STATES DATE OF MAJOR DELINQUENCY FIRST REPORTED ON XX/XX/XXXX. THIS IS FALSE AS THE MAJOR DELINQUENCY WAS ON XX/XX/XXXX AND PAID ON XX/XX/XXXX. 

THE 81-PAYMENT HISTORY IS INCORRECT AS THE STATUS DATES IS FALSE AS THE ACCOUNT WAS PAID ON XX/XX/XXXX. 

THE 81-PAYMENT HISTORY IS INCORRECT IS INCOMPLETE AS IT AS IT STATES CHARGE OFF ON XX/XX/XXXX. BUT THE ACCOUNT WAS PAID RECEIPT IN XX/XX/XXXX. THREE MONTHS BEFORE CHARGE OFF DATE.
Complaint sub-issue: Problem making or receiving payments

I sent {$1500.00} from my Citibank checking account to purchase a pet and the company turned out to be fraudulent. I was told that my money was not protected and I should contact law enforcement.
Complaint sub-issue: Information belongs to someone else

THESE INQUIRIES ARE FRAUDULENT, I NEVER APPLIED FOR THESE ACCOUNTS ON THESE DATES, MY INFORMATION MIGHT HAVE BEEN IMPACTED BY THE XXXX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Complaint sub-issue: Reporting company used your report improperly

For several months, I have been trying to dispute negative accounts from my credit report, several times. And recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. $ 168i ( 7 ) Method of verification- Description of reinvestigation procedure. 

Listed below are my negative accounts : XXXX XXXX amount : {$560.00} XXXX XXXX XXXX {$620.00} XXXX XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX- XXXX {$230.00} XXXX  XXXX {$110.00}
Complaint sub-issue: Company closed your account

Three weeks ago I remitted a payment to Discover Card as tender, to pay my monthly credit card bill from my XXXX XXXX  XXXX checking account for {$2000.00} dollars.I am accustomed to paying large payments with Discover Card, and I have never had a thirty day late payment since I've owned the card for over one year. I'm very responsible with credit, and out of 14 open credit lines, I had zero thirty day late payments on any of my accounts. Not even one! I had beautiful credit because I paid my bills on time every month. I had just deposited the funds at XXXX XXXX  XXXX, and had more than enough funds to cover the payment. 
XXXX XXXX  XXXX coded my check wrong so the funds didn't go into my account on time. This was a banking area at XXXX XXXX XXXX. Because they put my check in the wrong way, the funds were not made available on time, and caused my discover card payment to bounce for {$2000.00} dollars. I put the money in the bank like I was supposed to and depended on the bank the do its job properly. I didn't know that the check had not cleared the bank. I put the money in there for that purpose. I got notification from Discover Card stating they had received payment for the {$2000.00} dollars, so I started using my card. a few days later, I was informed that my account had been closed, due to insufficient funds. Discover Card closed my account due to a bank area! I had this account over one year with no thirty day late payments on it.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/XXXX we entered into a contract with XXXX Citibank for the purchase of a seadoo with a 36 month no interest loan. 
we have had nothing but problems with this company on a monthly basis. I pay on my account through billpay from my bank XXXX a month. 
Starting in XX/XX/XXXX my monthly statement has been in correct with varing different amounts due. 
XX/XX/XXXX I spoke with XXXX and was told pay the incorrect amount for 2 cycles and it will correct itself well guess what nothing has change except my having to call monthly to get interest and late fees removed. 
XX/XX/XXXX talked to XXXX was told all fees would be removed and corrected. 
XX/XX/XXXXtalked to XXXX Team XXXX was going to submit to team that can correct the issue of wrong minimum due on statement. So I logged into my account on XX/XX/XXXX and the amount of XXXX was corrected, so I paid my payment. 
I received my XXXX Statement with the incorrect amount again of XXXX I called and talked to XXXX Team! she said she would submit to their backend dept to have the statement corrected and they are required to call me back within 72 hours, well they said that last month and I still haven't had a call back. 
What can be done about this UNFAIR treatment when I'm following my contract.
Complaint sub-issue: Their investigation did not fix an error on your report

The company XXXX XXXX is reporting late payments of the car loan. I have called and discussed with them the late payments reported. Payment arrangements which would not cause payments to be reported late, however, the company still reported it late. I have try to file disputes with the company and the creditors. 

The company reported late payments on XX/XX/XXXX and 2 times on XX/XX/XXXX. 

This has cause significant hardship, and the communication has not be helpful at all with customer service. I am reporting a complaint as they gave me false information and did not honor a payment arrangement as discussed. In addition, I was never informed this company does not offer re-financing options.
Complaint sub-issue: Debt was paid

Hunter warfield inc has a collection on my credit report on behalf of XXXX XXXX at XXXX XXXX for the amount of {$3000.00}. I do not owe this money and I have an email from XXXX  XXXX at XXXX XXXX  starting my account with them is settled. I have also not recieved any letter, statements, etc from Hunter warfield in regards to this. I request that this be removed from my credit report with XXXX, XXXX, and XXXX immediately. 

-- -- -Original Message -- -- - From : XXXX XXXX XXXX XXXX To : XXXX XXXX Sent : Mon, XX/XX/2017 XXXX XXXX Subject : Collection acct. correction   Good morning Ms. XXXX, As per our conversation this morning this mail is to confirm that we have addressed Hunter Warfield about your account clearance, and today again I emailed the client service at Hunter Warfield to get a confirmation letter releasing the account from collection as per approval from our Regional manager. 

We have corrected your account and waived the termination fee. 



Respectfully, XXXX XXXX Assistant Manager XXXX  XXXX  at XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is a follow up of complaint XXXX on XX/XX/XXXX and was responded to on XX/XX/XXXX asking for identification information rather than a resolution even though the information was given in the original complaint. It seems like these complaints are not even read and just submitted electronically because the same incorrect information is responded as correct. 
This letter was faxed on XX/XX/XXXX to Equifax and it was just submitted as another dispute to be " verified '' instead of actually looking at the OBVIOUS incorrect information which should be removed immediately. This has been sent in countless time and actually needs to be handled correctly. This is a violation of my rights and causing me unjust harm. This is completely INACCURATE reporting and all that happens is a dispute is submitted and comes back verified when it is not possible. These EIGHT accounts all from the US Department of Education were consolidated into new accounts in XXXX of XXXX and have has a XXXX balance since that time frame. After that the student loans were discharged due to XXXX and XXXX XXXX in XX/XX/XXXX. Beginning in XXXX these EIGHT accounts all identified as XXXX that were closed with a XXXX balance started reporting negative information as a collection account and multiple times as 120 days past due which is Impossible at this point since they were discharged and have a XXXX balance. At this time these EIGHT accounts need to be DELETED immediately due to continuous INACCURATE information and they have been discharged and should be removed anyway as or credit bureaus have already. Do not simple send a request to US Department of Education as they have stated they are not reporting it late. Look at the evidence on file. In previous disputes the documentation of the XXXX discharge has been sent and you can see by your own records when the account was reported CLOSED with a XXXX balance so it obviously is INACCURATE and needs to be DELETED per FCRA for inaccurate reporting.
Complaint sub-issue: Having problems with customer service

We are paying XXXX loans for my daughter - all of which were set up for automatic payment. We recently changed our bank, and had to change the automatic payments. From the Sallie Mae Website, I was unable to change the bank account information, so I called them. After a 10 minute wait, I reached a representative, who informed me that I had to first CANCEL the existing auto withdrawals, wait 3 business days for the cancellation, " wait an additional 3 days to just to be sure '' and then enter the NEW information. This caused us to be past due on XXXX of the XXXX loans ( XXXX did n't get cancelled - not sure if that was my mistake or Sallie Mae ). 
As a result, I have received a total of 9 calls from their " robot dialer '' - several on Sunday, when their " customer service '' was not even available. The accounts are now current ( paid today electronically on their web site ) ; but, I still ca n't set up the new automatic payment until the checks actually clear.
Complaint sub-issue: Reporting company used your report improperly

XXXX, XX/XX/2022 XXXX XXXX XXXX account XXXX reported wrongfully actions in collection that is not mine of the amount {$1400.00}. Please removed this account off my credit report under : They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have XXXX days to notify me from when they receive my disputes.

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer
Complaint sub-issue: Debt is not yours

I do not have a legal binding contract with L J ROSS ASSOCIATES, If they are licensed to collect a debt, please send me your license to collect a debt in New York State. you purchased this as a debt collection device to make money as a debt collector. You have 5 days to respond with a statement of account with a XXXX balance and remove any and all off my credit report. Failure to respond in 5 days is acceptance and failure to cure your dishonor will recieve notice and demand for XXXX in damages for violations included : Fraud, Extortion, Denial of Right to happiness and privacy, Dishonor in commerce, Collusion, Racketeering, Conspiracy, Intimidation, Defamation, TILA violation, FDCPA violations.
Complaint sub-issue: Information is not mine

{$3000.00} legal matter in XXXX county. I 've never been there in my entire life. It 's not me! There 's XXXX of us with the same name in my family. Everytime something happens it somehow falls on me
Complaint sub-issue: Information belongs to someone else

I CHECKED MY CREDIT FILES AND THE FRAUDULENT INFORMATION I FOUND WAS ( XXXX XXXX XXXX FLORIDA XXXX XXXX ), ( XXXX XXXX XXXX ) ON THE PUBLIC RECORDS PART OF MY FILE. ALSO XXXX XXXX IS A FRAUDULENT ACCOUNT I GAVE NO ONE CONSENT TO USE MY PERSON INFORMATION TO OPEN THESE ACCOUNT. I ALSO ATTACHED MY POLICE REPORT. VERY IMPORTANT ALSO IN HAVE FRAUDULENT INQUIRIES ( XXXX XXXX CO, XXXX CARD, XXXX XXXX/XXXX, XXXX CO, 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 ). ALL FRAUDULENT INQUIRIES
Complaint sub-issue: Didn't receive services that were advertised

My complaint is with equifax credit bureau i keep dispute items on my credit report and they keep putting things on there from my sons i have XXXX sons with the same name but i am a XXXX and every time i call to get information about my credit they tell me i had the wrong information and wont let me on my credit file it a shame that i have to look at my credit on XXXX XXXX to see what is on their and then they putting all these hard inquires on my credit that i didnt give permission and i keep asking them to update their information when i apply for credit i ask them to run my credit 1 time and they end up sending it to 40 or 50 people
Complaint sub-issue: Received bad information about your loan

I am eligible for Public Service Loan Forgiveness. The parameters of that program are making 120 qualifying payments while working at a qualified employer on a qualified loan. I made my 120th qualifying payment on XX/XX/XXXX. I submitted my application for forgiveness on XX/XX/XXXX and since then I have received so much conflicting information about the status of my loans. I initially received letters saying I did not qualify and that I did qualify. When I asked about that conflict I was told oh there is no problem. When I called again I was told to resubmit my application, which I did on XX/XX/XXXX. On XX/XX/XXXX I received a letter that Fedloan Servicing had finished my review and approved my application on XX/XX/XXXX and that they would send my file to Department of Education for final review and forgiveness. As of XXXX, my file has still not been sent to Department of Education for final review and forgiveness. Every time I have called I have been given the run around about what date it was sent over, only to find out today that it was never sent over. I submitted an employer certification form every year for the last 10-11years. My payments were all certified as well as my employer XXXX Department of Treasury XXXX. No one at Fedloan Servicing has been able to give me an accurate answer of where my application is in the process, or why it is taking so long. All anyone will say is oh it can take up to 6 months to process. There is no reason why this process is not more transparent, nor is there any reason for the process to take this long. We are now coming up on 3 months from the date I initially submitted my application. At the time of submitting, I had 11 payments out of the 120 that needed to be certified. There is no reason why a review of 11 payments should take so long, especially since most of these were {$0.00} payments under the CARES Act and I certified my employment of working with the federal government. The lack of information and the conflicting information received is a real disservice to their customers. As of today, I still have no received forgiveness nor has my application been sent over to Department of Education by Fedloan Servicing, even though they sent me a letter saying they have approved it.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent 4 dispute letters to XXXX XXXX to update or remove inaccurate information from my credit profile, and they have not did there due diligence in this process, meaning they are getting results back in less than a week, proves to me that they are not following the FCRA guildlines and just using the XXXX XXXX, and not letting a letting a human actually do there job. They have yet to send me documentation on how the investigation was complete and proof of documentation from the original creditors in question. I have asked for this information several times with no results, they probably are use to consumers just saying forget it but not me. they need to be held accountable for not following the laws and making there own rules. they hoped I would just go away but guess again.
Complaint sub-issue: Account information incorrect

In XX/XX/2016 my account shows that it was past due. This is very inaccurate and I have contacted XXXX XXXX Bank about this late payment and I was told to call the credit bureau. I filed a dispute with the credit bureau and the inaccurate report is still being reported on my credit report.