Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

On XX/XX/2021 sent out an Affidavit of Truth to IC SYSTEM which has been ignored. I've sent out a Notice of Default and Opportunity to Cure with hopes to get my issue resolved.
Complaint sub-issue: Reporting company used your report improperly

Equifax did not secure my sensitive information correctly. 

They have now put me at high risk for identity theft.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX my Discover card was charged a large amount of money at a jewelry shop in XXXX MA. I have contacted Discover multiple times to have this issue resolved. They continue to not give me a reason for why they will not remove the fraudulent charge. They have stated to me that they had signature and picture evidence that my ID was used at the point of purchase but they have not provided any proof whatsoever. Discover has also continued to harass me with collection calls and emails on a balance that was not my own. Discover has " investigated '' multiple times but has failed to give me a valid reason as to why this was not a fraudulent charge. I have sent them proof showing that I was not there around the time that the purchase happened. The location where the purchase was made is about a two hour drive from where I live. I very rarely travel to XXXX and I never make purchases of that amount. Discover should have verified the transaction with me before it was authorized as it is well outside my typical purchasing area or transaction type. This is my final attempt to have this resolved with discover. My next action will simply be to get a lawyer.
Complaint sub-issue: Can't temporarily delay making payments

Discover Student Loans is ceasing disaster relief options for private student loans mid-pandemic with no other options available starting XX/XX/XXXX. Shame on them! Please help spread the word as they are unwilling to offer any help. I am XXXX  and now unemployed due to the pandemic. I haven't received any UI or a stimulus check or was able to qualify for a SBA but they insist on charging me interest on my loan which will be about $ XXXX per month and will decimate my credit standing and drag me into further debt. I have had this loan for 13 years and am in exceptional payment standing. They are still unwilling to offer any relief options.
Complaint sub-issue: Information belongs to someone else

The following XXXX XXXX XXXX MasterCard account ending in # XXXX is a fraudulent account. I never applied for a credit card account with XXXX XXXX XXXX XXXX. The account is fraudulent, unauthorized, not mine and dont belong to me. I did not apply for the account. I am a victim of identity theft and someone else impersonating me.
Complaint sub-issue: Funds not received from closed account

I sent a letter instructing Citibank to cancel my account # XXXX on XX/XX/XXXX, requesting that a physical check for the account funds ( approximately {$6000.00} ) be mailed to me. I sent several follow-up letters, but received no reply. Apparently, the account was actually closed, but Citibank did not send the funds to me -- instead, they say they marked it as " abandoned property '', and submitted it to the US Treasury. They did not inform me of this action ( despite having my email and phone number on file ), and I can not find any record of this with the US Treasury. I wish to have my funds located and returned to me by Citibank.
Complaint sub-issue: Account information incorrect

I have sent disputes to ALL 3 Credit bureaus and have yet to receive a response. It has been over 60 days since my dispute. By law they are supposed to respond. 
XXXX XXXX services is reporting 7 erroneous accounts on my credit report.. 
( XXXX, XXXX & XXXX ) - these accounts should have never went to collection because we have insurance. Also these were paid XXXX to them reporting to credit if you look at the attached document. They were paid in XXXX but they put them on my credit in XXXX? These are a violation and sent to collection in error!!!
Complaint sub-issue: Personal information incorrect

someone may have stollen my identity my address is : XXXX XXXX XXXX XXXX, PA XXXX please remove the following addresses from my credit report : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Complaint sub-issue: Fees charged for closing account

I have submitted another request for this issue that was just closed without proper evidence under complaint XXXX. Again, KeyBank has failed to address that they continued to charge non-sufficient fund and return fees for an account that I closed in their branch. Note, I have had many discussions with KeyBank both in person at their branch, and via their call center in the XXXX. I am glad that KeyBank provided evidence of previous miscommunication with their XXXX center, resulting in a refund that they paid to me. I am not sure how or why this lack of communication continues to occur, but KeyBank has placed my name in XXXX for overdraft fees only, again sometimes charging as much as {$77.00} for a {$17.00} charge. My first question is specifically to the Consumer Financial Protection Bureau - is this legal? Is a company able to charge & XXXX for a {$17.00} return charge? Why, as a consumer, is KeyBank able to punish me for choosing to no longer do business with their bank and closing my account? As noted in my initial complaint, KeyBank has never paid a charge on my behalf, and my current balance with this organization is only from their service fees. My second question is for KeyBank - what responsibility do you take for not properly closing my account, as requested? Your response to my previous complaint was that you are taking no responsibility for your mistake, and continuing to assess overdraft charges for an account that was closed. In addition, how are you rectifying the situation with your call center? I am aware from speaking with your branch that many of your customers ( not only me ) have complained that your call center employees do not properly understand English, and I have a concern with how you are protecting my personal information when it is outsourced to another country.
Complaint sub-issue: Didn't receive enough information to verify debt

As a result of a CFPB complaint filed on XX/XX/2019, regarding incorrect information being reported on my credit report, FMS Inc. advised that they were in possession of eight outstanding accounts with an original creditor ( XXXX XXXX ). It should be noted that this alleged debt started showing up on all three of my credit reports without any prior notification from FMS Inc. showing sufficient verification/evidence ( specific doctor appointments, ER visits, XXXX reports, etc. ) of the alleged debt. I have reached out to FMS Inc. on numerous occasions and they have failed to respond.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the following accounts has violated my rights : - XXXX XXXX  Acct # XXXX - XXXX XXXX Bank Acct # XXXX - XXXXXXXX XXXX Acct # XXXX - XXXX Acct # XXXX - XXXX  Acct # XXXX - XXXX Acct # XXXX - XXXX Acct # XXXX - XXXX Acct # XXXX - XXXX XXXX XXXX Acct # XXXX - XXXX XXXX XXXX  Acct # XXXX - XXXXXXXX XXXX  Acct # XXXX 15 U.S.C. 1681 Section 602A states, I have the right to privacy.

15 U.S.C. 1681 Section 604A, Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Was not notified of investigation status or results

These are inaccurate, this should not be on my credit report, I demand it be deleted.
Complaint sub-issue: Reporting company used your report improperly

[ XXXX XXXX ] [ My XXXX XXXX account number is XXXX but at this time my bank account s closed ] [ Born on XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX ] Re : The dispute error was points being deducted from my score when after I was told it would not drop my score Dear [ CFPB, ] I am writing to request a correction of the following information that appears on my [ Equifax, XXXX, XXXX ] consumer report : Dispute 1 [ These are examples. Pick the ones that apply to your credit report. ] Account Number or other information to identify account : [ My  account number for XXXX XXXX is ( although the account for it is currently close ) is XXXX and my credit card number for XXXX XXXX is XXXX good thru XX/XX/XXXX cvv XXXX Dates associated with item being disputed : [ The date associated for the credit score deduction is XX/XX/XXXX. The date for the very first dispute of an unauthorized transaction was around XX/XX/XXXX or XXXX XXXX at around XXXX ] Explanation of item being disputed : [ I was told that the dispute of the unauthorized transaction of XXXX was going to be disputed and that XXXX XXXX flagged it and was going to refund the money. I and here is the reference number an agent gave me XXXX. I even asked if my credit score was going to drop and the answer was no But today it did drop. 
Im the victim of identity theft and I dont recognize one or more of the accounts on my report. [ You may wish to include a copy of the FTC identity theft affidavit describing the identity theft. ] Dispute 2 [ My Credit Score went from XXXX to to XXXX and my credit over limit that became over its limit due to the unauthorized transaction is {$330.00} it went over its limit by {$34.00}. 
I have attached a copy of my report with the accounts in question circled. ] Thank you for your assistance. 

Sincerely, [ XXXX XXXX ]
Complaint sub-issue: Didn't receive notice of right to dispute

XX/XX/2019 collection account placed on my credit profile for {$830.00}. 

XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Account opened as a result of fraud

The following Citi Checking Account ending in : XXXX is a fraudulent checking account and debt of {$750.00}. I never applied for the checking account, and the checking account and debt is fraudulent and dont belong to me.
Complaint sub-issue: Attempted to collect wrong amount

I am an attorney representing a client who was contacted about a debt he does not owe. On his own he disputed the debt, and the collector, XXXX XXXX XXXX, sent out documents that appear to be forged or altered. My client made two other attempts to get verification. I filed a FDCPA complaint against XXXX, including fraud for the fabricated documents. In the course of my research I discovered the Consent Order, XXXX which detailed many of XXXX 's tactics. My case is : in the XXXX District of Michigan. One of my investigators made contact with your agency when I was seeking support for a documents/forgery expert. I have not yet called the FBI for an investigation but I was interested in finding out if someone from your agency would be able to provide me with an affidavit regarding some of the deceptive practices XXXX engages in. I also wanted to alert your agency as this may be a violation of the Consent Order. 
The information supplied is for me and/or my firm, except that I supplied the last XXXX digits to my client 's social security number.
Complaint sub-issue: Public record information inaccurate

I have a complaint issue over my Public record it is not accurate. The bankruptcy is listed wrong error please delete XXXX FRCA and XXXX. I have addresses that are not mines or possibly belong to family member. please remove the following items. 
XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Complaint sub-issue: Account status incorrect

the company kikoff lending llc has been reporting that my account balance is paid up to date but it has been putting the payment history as 120 days late. the fcra says that if there is any incorrect reporting its a full violation and i want for it to be removed and i want compensation of {$4000.00} for the hardships ive have to go through from this.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

At XXXX XXXX. ET on XX/XX/2021 i received a call from XXXX XXXX XXXX XXXX. Stated he was from Mobil Loans and said I owe $ XXXX and we could take care of that with a debit card today. I informed him we filed bankruptcy last XXXX. He asked if they had been included and I told him yes. He said " let me look at our other system '' and then said yes, he saw that it was filed. Then he asked if it had been discharged and I told him not yet. 

On XX/XX/2021 at XXXX p.m. ET I received a call from the same number. Stated his name was XXXX from Mobil Loans and my balance is $ XXXX and I told him we filed. He then stated he was just following up where i said i had filed the bankruptcy. I told him yes we had filed and not to call me again or I would report them and I hung up. 

I have the call records saved to my phone. I was a collector for two years and I know when someone said they filed bankruptcy, regardless of whether they provided their attorney info, case number or not, it was " cease and desist '' and we stopped calling immediately. 

Why did they even call the first time when their " other system '' shows we had filed, and they had obviously been notified by my attorney or the court? I feel harassed!!!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

All inquiries on my report from XX/XX/2018 and after are unauthorized. Im not sure how these are on my report and the lenders dont know either.
Complaint sub-issue: Didn't receive terms that were advertised

I need help resolving an issue with applying for a Discover Bank deposit account. I am XXXX XXXX XXXX and a long time discover card holder. I recently decided to also open a savings account and it has been a surprisingly poor experience. There are many options where I can put my money but I have always been happy with my discover card. In setting up my savings account, I attempted to take advantage of one of its recurring promotional offers in XX/XX/XXXX. My promotional code was XXXX. To qualify for the promotion, I needed to apply by XX/XX/XXXX and make a deposit of $ XXXX by XXXX to obtain a {$200.00} bonus. I did apply by XXXX as required but the deposit of $ XXXX did not occur until XXXX, 9 days late. However, there were many other customer service encounters in between that were poor. There were many gaps in what was promised and what was delivered in terms of emails and returned calls. I believe some of these were intentional obstacles so Discover Bank would not have to pay me the bonus. I appealed to the higher ups at Discover Bank and they still have not paid the {$200.00} bonus. They run promotions like this all the time and my guess is that I am not the first person to face obstacles and delays so they did not have to pay the bonus. Additional details are in the attached timeline.
Complaint sub-issue: Reporting company used your report improperly

Hello my name is XXXX XXXX XXXX, I have contacted all credit bureaus and have received absolutely no response for 90 days and i'm fed up and in very bad health because of the stress of this situation has caused a severe XXXX XXXX increase dealing with this dead end of no responses. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX bank # XXXX, Account name : XXXX XXXXXXXX bank # XXXX, Account name : Credit XXXX XXXX # XXXX, has violated my rights as an XXXX XXXX XXXX  ( ADA ) and as a consumer and American veteran, none of the credit bureaus have responded to my inquiries to investigate these accounts and its been over 90 days and no response from any of them this is a violation of my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I asked all 3 bureuas for a copy of a complete investigation of all these accounts and have received no response in 90 days they are breaking the law.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX are reporting 7 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax,XX/XX/XXXX and XX/XX/XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Information is incorrect

Please read company 's false response before I dispute In his complaint with your office, XXXX. XXXX states that two incidents reported by LexisNexis dated XX/XX/XXXX and XX/XX/XXXX are incorrect and are impacting his insurance premiums. In response to XXXX XXXX complaint, LexisNexis searched our systems using XXXX XXXX name and address as provided in his complaint and located two reports a XXXX . Auto report and a Motor Vehicle Record ( MVR ) report provided to XXXX XXXX insurance carrier, XXXX XXXX. On XXXX XXXX MVR report, LexisNexis located a moving violation issued on XX/XX/XXXX, with a conviction date of XX/XX/XXXX, which we believe to be one of the incidents XXXX XXXX is disputing. On XXXX XXXX XXXX . Auto report, LexisNexis located a claim dated XX/XX/XXXX,  which XXXX XXXX states is incorrectly reporting as at fault.
Page 2 XXXX In an effort to resolve XXXX XXXX concerns, LexisNexis initiated a dispute of the claim dated XX/XX/XXXX listed on his XXXX .  Auto report. During our reinvestigation of the claim dated XX/XX/XXXX listed on XXXX XXXX XXXX . Auto report, XXXX XXXX XXXX verified that XXXX XXXX was the named insured and the vehicle operator for the claim in question, and that the claim is a personal injury claim from being rear-ended. Please note that there is no fault assigned to this claim. Given this verification, LexisNexis is unable to remove the disputed claim from the XXXX  . database.
In regards to the moving violation issued XX/XX/XXXX for use of a mobile telephone while operating a motor vehicle, which has a conviction date of XX/XX/XXXX, the MVR obtained on behalf of XXXX XXXX was provided by the government agency of the state that maintains driver history information ( e.g., Department of Motor Vehicles, Department of Public Safety, or Secretary of State ). LexisNexis obtains MVRs from the appropriate government agency, standardizes the information, and forwards the information to the company requesting the record.
LexisNexis does not have the ability to change the substance of the information contained in the MVR other than to verify that the information is correctly standardized. The state in which XXXX XXXX is licensed to drive has the responsibility of maintaining his driving record. If he identifies errors in his MVR,  he must first contact the appropriate government agency in the state in which he is licensed to confirm the accuracy of their data.
If XXXX XXXX has any further questions for LexisNexis, please have him contact the LexisNexis Consumer Center via email at XXXX or by phone at XXXX-XXXX-XXXX. The LexisNexis Consumer Center 's hours of operation are Monday - Friday from XXXX XXXX to XXXX XXXX Eastern Time.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/22 An online inquiry was made to prequalify for a mortgage. This was clearly outlined as a soft pull. USBank made a hard pull that was not authorized. I did have a conversation with a XXXX XXXX to discuss products and I informed him this I was just checking on the possibilities. When he said I would need X amount of money down, I informed him that I did not have it in cash but maybe able to use some resources when Im ready. No documents were exchanged and no further steps were made. We closed the conversation with he would crunch some numbers based on the financial information I provided him. After we hung up, I received alerts from my monitoring bureau an inquiry was made. I immediately sent an email to XXXX disputing approval. I sent him a screenshot of the terms this was a soft pull. He, in turn, sent me a screenshot of boxes someone else checked. After detailed proof that I on the boxes was him and in the boxes it says the borrower ( see document ) gives consent. I never gave consent online or in our conversation. I tried to explain they should write a letter to the credit bureau to remove the hard inquiry. He said he didnt believe they could do this. Our back & forth conversation is documented through emails & pictures. I am asking to have this hard inquiry removed from my report because it was not authorized.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.