Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I had a XXXX  credit card issued in end XX/XX/XXXX and by XX/XX/XXXX, I called in and I paid the balance of {$410.00} ( shown in my XXXX XXXX XXXX  checking account attached on XX/XX/XXXX when the money was charged from my bank account ). 
Also, in the same day I called in, I closed my account XX/XX/XXXX. 
If you noticed from the attached credit bureau 's credit report it shows that the account has been " CHARGED OFF '' STARTING '' starting from XX/XX/XXXX till XX/XX/XXXX!!!! 
I made several dispute through the XXXX main credit bureaus ( XXXX XXXX Equifax XXXX and the first disputes for each, ended that what is mentioned in the report is correct and that XXXX notified them that the info they provided is correct under oath!!! 
However, XXXX came back and say there was an error in the reporting, but still there was " DISCHARGE '' for tow month after I PAID OFF my account in full and closed it myself.!!!!!! pls tell me how his works to discharge something that doesn't not exists!!! 
Then I called the XXXX themselves, and they promise to fix the problem with the XXXX credit bureaus, but instead I received an email form them ( attached ) stating that the problem is not from their side, it is the XXXX credit bureaus, they are the ones entering or interpretation wrong!!! 
So I replied to the XXXX email ( attached ). 
after I called XXXX again and make another dispute and the guy answered, he said he don't understand what is going on but I have to wait till the dispute is over, which yesterday I received a notification form XXXX  stating that the reporting is correct and will stay on my report!!!! 
You have all the proves that what I am saying is correct ( attached ) and even the credit card company is not disputing these facts at all XXXX that it has been paid in full and that I myself closed the account and the account was never been XXXX. 
Please note that all this happen in late XXXX and beginning of XXXX ( ended XX/XX/XXXX ). 
Kindly, I need your help and assistant in solving this matter especially and as you can see in my other open CC account, I am paying my payments on time " exceptional '' as the credit bureaus stated in their report and this paid in full and closed in time, XXXX cc, is the only cc showing " delinquent ''.
Complaint sub-issue: Problem with customer service

Discover repeatedly for months lied to me and stated that my secured credit card would be reviewed and graduate to an unsecured card after being with them for 6 months. I always paid more than the minimum amount due and never paid a bill late. Everytime I spoke with a representative I received contradicting responses. Out of pure frustration of continuously receiving misleading and blatant lies from customer service representatives at Discover I decided to close out my account. I proceeded to apply and receive 2 other credit cards, one with XXXX XXXX and another with XXXX, for which I was approved with a higher spending limit than Discover and unsecured! Fast forward 3 months after I closed out my Discover account I have yet to receive my check of {$1000.00} which was secured deposit funds. I've spoke to 4 different customer service representatives before one of them thought to ask me to verify my address and realize that the apartment number was missing and therefore my check never reached me! I called again 2 days ago and was told a check was going to get re-issued, I asked if it could get expedited and was told that they would escalate to see if possible and to follow up. I called today and yet again a different story! This time I was told that I have to wait for an investigation to see if the first check was cashed before they could issue a replacement check. How FRUSTRATING! When I authorize the {$1000.00} as funding for security deposit Discover did not hesitate to withdraw funds from my account, however now that I cancelled because of misleading and poor customer service and want my money back they are taking extremely long and throwing all sorts of hurdles my way. I would never bank or apply for any services with them. I will make sure I tell ALL of my friends, family and co-workers, heck even strangers I encounter on a daily about the horrible service I received and that fact that no one I've ever spoken to has taken accountability for their company and offered a solution even close to above and beyond. I've never received such poor treatment from any company I've done business with and this is the very reason why I am appalled and in shock that they continue to receive the amount of business they do. They definitely do not put their customers first nor offer one call resolution.
Complaint sub-issue: Public record information inaccurate

I have been trying to get all three credit companies to remove this bankruptcy from my credit. All are reporting different information which none of it is complete or accurate. It has now been over 7 years an it has not dropped off yet.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have reached out to all three bureaus to have inquiries removed from my credit report because I have not applied for any credit. I asked them to supply documentation stating that I applied for credit and they have not been able to supply that information.
Complaint sub-issue: Other problem

I received a letter from a department store - informing me that they will reduce my credit limit if I don't make a purchase in 2 months. Not sure if this is legal, but, I feel they shouldn't threaten to reduce my credit limit, which was based primarily on my excellent credit history. If I don't have a need to purchase anything, why should I be penalized for not using it.
Complaint sub-issue: Account status incorrect

In XXXX I was diagnosed with a total and XXXX XXXX. In XXXX I finally began receiving social security benefits for my XXXX. In XXXX I then started the process of filing for XXXX XXXX XXXX XXXX through XXXX the services of my loans. At first I was denied even access to the outsourced XXXX service providers information NelNet after finally receiving NelNets information I was advised of the incorrect instructions on how to file when my review date was scheduled for 5 years. Then I was denied the mailed copy of the XXXX report and appropriate help in filing out the report. Finally in XX/XX/XXXX my XX/XX/XXXXXXXX was approved through NelNet. At which time I was advised that it would take 30 days for them to discharge my student loans and if it were to take longer I would receive in a writing a written notice from NelNet 30 days came and went after calling in 60 days to see what the hold up was I still was advised I just needed to wait longer. Its been 180 days now. In XXXX I was the victim of identity theft. This has been going on for many years as many companies including XXXX has allowed my personal private information to be accessed by online hackers I began examining my credit report. I have disputed the fraudulent activities of XXXX increasing my loan amounts and fraudulently claiming that my loans were in default. On XX/XX/XXXX I called in to XXXX and NelNet to see what I needed to do. After hours of phone calls with XXXX were the operators intermittently hung up on me, made fun of me lied to me, and generally harassing me purposely trying to trigger my XXXX I was told I would need to contact the guarantor of my loan myself before they would allow my two loans the claimed are in default over to NelNet for discharge. I have disputed the accounts with the three credit bureaus both XX/XX/XXXX and XXXXXX/XX/XXXX prompt and decisive action on the account not completely discharging them but not allowing these fraudulent purposeful errors to impact my credit anymore however transuion has refused. I spoke an agent at XXXX and was told I could not submit more documentation to prove my case I was told I could not pull another credit report due to there being an open dispute and I would see the notes on the dispute and I was told by XXXX they would not remove any of the student loan accounts holding, they are reporting four of my XXXX student loans as being active and in default with serious delinquencies, they advised they would not take action on the misreported accounts even if I provide documentation until XXXX sends over confirmation the loans have been discharged. 


I need help. I am searching for attorneys at this moment. Please help.
Complaint sub-issue: Debt is not yours

My wife and I have no debts other than monthly credit card bills that are always paid on time, in full. The last " debt '' I had was 20 years ago when I took out a short-term ( months ) bridge loan to buy a home. It was paid off ahead of time. 
I have been receiving repeated calls ( near daily ) from MRS Associates since XX/XX/XXXX. The first time I called them back they insisted on my revealing personal information that I refuse to provide to anyone I don't know and trust. The woman at MRS was pushy and hostile. She kept saying " Tell me your name ; you called us '' and I refused because they had my number and were claiming I had an unpaid debt. Today, XX/XX/XXXX, they left voicemail for the first time, telling me to call XXXX XXXX XXXX about a debt. I called to try to resolve this matter. Again I was asked for personal information I refuse to give under these circumstances. I said " Since you have my phone number and think I owe someone money, you should have all you need. Please tell me who you think I owe money to. '' She then referred to me by name, but I still refused to give up additional personal information. I said " Send me certified mail describing the debt you think I owe. '' She said " We have. '' I said " No you haven't. '' ( We've received absolutely nothing from MRS. ) She said " Yes we have. '' and then hung up on me. 
I'm suspecting and fearing identity theft here. ( My personal information has been stolen from a major university, XXXX and XXXX, among others. ) But I'm not going to give anyone, including MRS , additional information about myself over the phone under these circumstances. I'd like the calls to stop. And MRS needs to go back to their client and let them know they clearly don't know my correct address or spending habits, and most importantly, they don't have the right person. 
I'm feeling harassed.
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2020, I got a text from Citibank in regards to fraudulent suspicious activities on my checking card by text from XXXX XXXX. I immediately DECLINED all charges from XXXX XXXX within minutes of the charge since I did not authorize them by text. Additional to this, I personally called Citibank Fraud department where I confirmed to them that these charges were NOT from me, I declined all charges from XXXX XXXX, I CLOSED down my debit card and credit card for security purposes and ordered new cards. The next day, on XX/XX/2020, Citibank properly refunded them the charges. However, two months later, on XX/XX/2020, Citibank WRONGFULLY RECHARGED my debit card for the XXXX XXXX charges in the amount of {$470.00}. Since then, I have called Citibank almost 20 times during the past 8 months spending hours on the phone with them explaining over and over the situation again and so far, as of today, I still don't have my money back. The bigger fraud and thief here is Citibank holding my {$470.00}. I was in XXXX during lockdown for Covid in XX/XX/2020 and XXXX XXXX was not even open. If it was online order, it was NOT delivered to me. its every easy to prove that this is not from me.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Basically, this is a tandem scam carried out by XXXX and Discover, with the final assessment by XXXX 's team to blame Discover Card for failing to take the corrective action in a fraud case. I would file this as a dual charge if CFPB made it possible. 

With that said, the basic scam is a very common XXXX XXXX  scam, where a seller sends an empty package, or worthless object ( in my case an empty envelope/package ) and this trips the USPS postal system to show that " package was received ''. To the uninitiated, this should be a simple report back to XXXX/XXXX  to report this and that should resolve it. XXXX/XXXX  makes this difficult by making a mandatory waiting period, layers of bureaucratic automation, and forced time spent by the user to resolve the situation. It is my opinion that this is a core part of their business model, and I would assume there are some internals somewhere showing some chunk of their margins come from grinding some percentage of users until they give up on fraud reports. 

With that said, I used Discover Card to dispute the case, in order to avoid this hassle. But Discover went out of its way to also refuse to take even a modicum of common sense, and instead relied on its bureaucratic protocols, which once again stem from the fact that the scammer can show that the package arrived. 

Discover refuses to accept common-sense information, and even with XXXX sending emails that explicitly state that Discover card has wrongly classified my case as " item not received '' rather than their own bureaucratic classification of " item not as described '', it is very clear that after hours of explaining this to all parties by phone and messaging system that they hide behind their own internal procedural mechanisms in order to not once take very basic information into account.
Complaint sub-issue: Seized/Attempted to seize property

DEBTOR 'S NAME IS XXXX XXXX HE HAD A TITLE LOAN WITH TITLE MAX # XXXX IN XXXX, TX. A COMPANY BY THE NAME OF XXXX, UNLAWFULLY PUT A GPS TRACKER ON HIS VEHICLE AFTER THE PAYMENT WAS DUE. XXXX REPOSSESSED THE UNIT, BECAUSE OF THE GPS TRACKER THAT UNLAWFULLY PLACED ON THE XXXX FORD F250. I KNOW THIS BECAUSE THE MANAGER BY THE NAME OF XXXX CALLED ME AND ASK IF I WOULD REPOSSESS THE TRUCK, BEACAUSE XXXX WAS AN XXXX AWY AND COULD N'T GET TO IN TIME. I ASKED WHO AUTHORIZED THE USE OF UNLAWFUL DEVICE SUCH AS AN GPS TRACKER AND SHE SAID HER BOSS XXXX XXXX HE SAID TO GO AFTER EVERY CUSTOMER WITH VENGENCE, ITOLD THAT THIS WAS ILLEAGAL AND REFUSE TO REPOSSESS THIS UNIT.
Complaint sub-issue: Information belongs to someone else

SOMEONE USE MY INFORMATION SOCIAL SECURITY NUMBER AND OPEN UP NUMUEROUS ACCOUNTS IN  XXXX   XXXX  WHICH I NEVER LIVED. I PROVIDED ALL MY DRIVERS LICENSE FROM  XXXX  TO  XXXX  TO SHOW WHERE I HAVE BEEN IN ALABAMA ALL MY LIFE. I AM ASKING THAT EVERYTHING PRETAINED TO  XXXX   XXXX  NEVADA BE REMOVED FROM MY CREDIT FILE. EQUIFAX HAS ALREADY CORRECTED AND DELETED.  XXXX  AND  XXXX  HAS NOT. PLEASE SEE THE FOLLOWING ACCOUNTS CHAPTER  XXXX  (  XXXX   XXXX   XXXX  NEVADA  )   XXXX   XXXX   (   XXXX   XXXX  NEVADA  )   XXXX   XXXX   (   XXXX   XXXX  NEVADA  )   XXXX   XXXX   (   XXXX   XXXX  NEVADA ) I AM SEEKING THE HELP OF THE CFPB TO ASSIST ME WITH GETTING THESE ITEMS REMOVED FROM MY CREDIT REPORT FROM  XXXX  AND  XXXX . AND   XXXX   XXXX   FROM EQUIFAX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Complaint sub-issue: Not given enough info to verify debt

i feel XXXX over charged me disconnection fees for lines that where prepaid. now that XXXX doesnt have disconnection fees for there new customers, im left with the bill. this bill is about 7 or 8 years old. no one has called me about it. nor have i received any type of detailed bill explaining what i owe. even when i go to XXXX they cant find anything on my case ...
Complaint sub-issue: Information belongs to someone else

XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX  XXXX XXXX Account XXXX The company that reported the information has certified to XXXX   that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score XXXX XXXX Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score Remains + 'icon ' Remains XXXX XXXX XXXX  Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
Show Details | View your Report | View your credit score The Fair Credit Billing Act is a federal law enacted to protect consumers from unfair billing practices, such as unauthorized charges, charges for unaccepted or undelivered goods and services and other disputed charges.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have no recollection of these inquiries on my account I have called I have written and nothing has been done 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  Credco XXXX XXXX XXXX XXXX XXXX XXXX They have failed to respond to my disputes they have failed to respond to my calls this is in violation of my rights I have put in fraud alerts on accounts
Complaint sub-issue: Received marketing offer after opted out

I continue to receive offers under my previous name, XXXX XXXX, over XXXX months after opting out of marketing offers. My original opt-out date was XXXX 2014. It has been well XXXX and I continue to receive these unsolicited, multiple, unwanted offers ( see most recent offer attached ). The offers contain the opt-out notice at the bottom. I see on the back of the notice that Equifax is named. I do n't know of any other way to opt out than what I have already done, by phone, permanently by mail, etc., yet they continue to come in years later. This is unacceptable and puts my personal information in jeopardy of identity theft. I have requested multiple times to stop receiving these offers. What more do I have to do??
Complaint sub-issue: Information is not mine

This is a Formal Complaint Against Equifax. 

You are reporting inaccurate credit information. 

XXXX XXXX COLLECTIONS INAlert Date : XXXX : EQUIFAXCompany : XXXX XXXX COLLECTIONS INPayment Status : UNPAID ( UNPAID ) Status Date : XXXX : $ XXXX Date : N/AAddress : XXXX XXXX XXXX, XXXX, WA XXXX XXXX therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

The listed item is entirely inaccurate and as such represents a very serious error in your reporting. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( XXXX XXXX XXXX XXXX ). 

Please know that you have 30 days to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Complaint sub-issue: Information belongs to someone else

I am needing to move out of my apartment due to the bad maintence. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to an amount of things on my credit that are not mine. I need those items removed as soon as possible.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hi1, I contacted the company and XXXX and was'nt sucessful did not removed the unauthorized inwuires from my credit report. 

thye equifax rep was very rude and said to contact FTC and that they was not going to remove the hard inquires
Complaint sub-issue: Information belongs to someone else

I have an account that is on my Equifax credit report that is not mine. The account is XXXX / XXXX XXXX account number XXXX. 

I was recently affected by the data breech at Equifax and there have been several inquiries made on my credit report as well as an account that is not mine. I have disputed the account and inquiries with Equifax yet they remain. 

They have been removed from XXXX XXXX as instructed. 

I have contacted XXXX and they confirmed the account should not be on my report and sent notification that they would be removing the information. 

I am attaching the correspondence from XXXX and the report from XXXX  showing the requested changes and actions taken.
Complaint sub-issue: Debt is not yours

My finace was treated by XXXX XXXX XXXXXX/XX/XXXX before he passed away. The medical office has hired IC Systems and XXXX XXXX XXXX to pursue collection attempts and have added the debt as a collection account to my Credit File with XX/XX/XXXX and XX/XX/XXXX When I communicate with IC Systems and XXXX XXXX XXXX they have no details on the file to give me and have even had an incorrect address. The debt is not mine and I have filed a dispute with IC Systems and XX/XX/XXXX The result of the XX/XX/XXXX Dispute was that it was a " valid claim '' and it is not. I have been attempting to address this incorrect debt attached to my credit report since XX/XX/2020 with no success ( dispute filings XX/XX/2020 # XXXX, XX/XX/2020 # XXXX, XX/XX/2020 # XXXX XXXX. I am still disputing this debt. the accunt with IC Systems is XXXX.