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

In XX/XX/2018 I received a XXXX XXXX  procedure, XXXX   from XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. They stated the product would last a minimum of 6 months to one year. I paid them XXXX dollars for the procedure and it left me with XXXX on my XXXX and the product dissolved within 2 weeks. I have a copy of an email I sent them on XX/XX/XXXX stating that I wasn't happy with the procedure. They invited me back into the office and stated that they did everything according to the protocol but couldn't refund me. I explained that Had I have known the product would only last 2 weeks and at a cost of XXXX dollars I wouldn't have had XXXX  in my XXXX. This is false and misleading advertisement. 
So I issued a complaint with my credit card company and my credit card company Discover card XXXX XXXX XXXX XXXX XXXX XXXX, stated I did not have enough proof! 
I sent them copies of correspondence between myself and XXXX company and the fact they stated on their website the product would last 6 months to 1 year. 
Discover card despite me having an absolute impeccable payment history with them, do not want to resolve this for me, as they state I need more proof before they can refund me. I suggested I show them how my procedure looked before, then immediately after, then 2 weeks after the final result and Discover card, said that wouldn't be enough proof! so I am supposed to endure false and misleading advertisement from a company offering procedures they say last longer than they really do and fall victim of small print from Discover credit  card. 
regards XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I was recently denied a lease for an apartment I'm assuming for the following reason. 

XXXX  is currently reporting : XXXX/XXXX XXXX XXXX account number # XXXX : Currently reports inaccurate balance or credit limit ; a violation ; as a result the entire account must be deleted immediately. 

: Currently reports a monthly payment amount after account has been closed. A violation : as a result the entire account must be deleted at once.
Complaint sub-issue: Other problem getting your report or credit score

For 2 weeks now, beginning XX/XX/XXXX, my ability to access my information on Equifax has been disabled. I called in to Equifax to express my concerns every single day last week. Each day, the operator told me they are having a " system update and advised me to call back in a few hours. '' I finally ended up speaking to an escalation team member who admitted that they were undergoing a full Equifax software and portal system implementation and change that has somehow disabled everyone 's credit file access. Due to this, no Equifax operator is able to access my credit file. I am not able to access my credit file. The online MyEquifax system is down. It states to call them but phone calls are useless because they can not get to my credit file. I asked them why they are answering phones if their systems are down. No valid response. I want this resolved. I want a notification sent out to all consumers stating that their system is temporarily disabled. And I want compensation for the several hours I spent calling and remaining on hold for them last week just to be told a lie. They are unwilling to report what is the fact that they have no system ability right now and should not be open for business until that system has been restored.
Complaint sub-issue: Information belongs to someone else

This is my 5th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are require to remove any item which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX BANK XXXX Date opened XX/XX/XXXX Balance {$0.00} ; CHILD SUPPORT XXXX XXXX Date opened XX/XX/XXXX Balance {$28000.00} ; CHILDSUPPORT XXXX Balance {$28000.00} ; Bankruptcy XXXX XXXX-dismissed US BKPT CT XXXX XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX ; Bankruptcy XXXX XXXXXXXX US BKPT CT XXXX XXXX  Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX : Bankruptcy Filed on XX/XX/XXXX Reference number : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

In XXXX I purchased a {$500.00} prepaid card at XXXX. Upon trying to use the card, it did not work. When I called the issuing company, it turns out that the card were used at stores and cities I have never been to. I filed a complaint with the company on XXXX XXXX and sent in the dispute paperwork on XXXX XXXX. Since then the company has refused to give me any update on the statuses of the card and they insist that they have up to 90 days to investigate the matter and return the funds to my card.
Complaint sub-issue: Sued you in a state where you do not live or did not sign for the debt

I received a copy of my XXXX report. I noticed I have a charged off account with Discover Personal Loans in my name. I never applied for a loan with that company. It was opened XX/XX/2016. With a balance of {$10000.00}. The address they have on file for me is not my address and is not associated to me. I would like this account off my record.
Complaint sub-issue: Information belongs to someone else

I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize this account and have never incurred debt with this creditor. Thus, I am requesting that you please verify the validity of this account, and remove them once its confirmed that it is not mine. It could also be possible you are mixing up this account with someone that has a similar name as me.
Complaint sub-issue: Information belongs to someone else

I just started getting thousands of dollars showing up on my credit report out of nowhere. I never went to college I never borrowed any money to go to school! I am disabled so even if I did take out any loans they would've been forgiven already because I've been on XXXX since 2010. I don't know who's loans these are but if they're not mine.
Complaint sub-issue: Debt was paid

An account I had went to collections after I moved. After I was made aware it went to collections and was placed on my credit report, I paid the balance in full. The payment was made XX/XX/2017. I have contacted collection agency asking them to report it the all credit bureaus as paid in full. I have sent copies of the cleared check from my bank to all credit bureaus with a letter asking them to update account to paid in full. I have disputed the item with all credit bureaus in excess of 30 times still getting the same response as before. The account is paid in full. They have all necessary documentation showing that it was paid in full. It needs to be updated as such asap.
Complaint sub-issue: Debt was result of identity theft

My identity was stolen back in 2016 someone used my identity to seek medical attention amongst other things, I have been dealing with this for some time now I have contacted XXXX XXXX XXXX XXXX to inform them that this was not my doing, but nothing has been done about it now they have sent the debt to A collection agency ( XXXX ) I  have also contacted them to let them know that the debt id fraudulent, no one seems to care as a result this debt has been placed in collections and is reporting on my Equifax credit repot, I have also contacted Equifax and let them know the debt is fraudulent and that the two accounts should be taken from my report immediately. I have filed police reports and have any information needed to validate that fraud has taken place. The debt is stems from two accounts Account # XXXX amount XXXX and Account # XXXX amount XXXX.
Complaint sub-issue: Account status incorrect

Hello, my name is XXXX XXXX at XXXX XXXX XXXX, GA XXXX there are several inaccuracies on my credit report. There is an XXXX  XXXX account that has been previously paid in full it's being reported inaccurately. I'm opening a XXXX  and checked my report and to my dismay. I've seen things unbeknownst to me. here are the other accounts that inaccurate : XXXX XXXX XXXX   XXXX XXXX this account was resolved prior to the collections process. XXXX XXXX XXXX XXXX XXXX XXXX this service was also paid in full prior to the collections process.XXXX   XXXX XXXX ... XXXX, XXXX, these account don't belong to me. XXXX XXXX XXXX is unrecognizable and doesn't belong to me. XXXX XXXX is also an account that does not belong to me. XXXX  XXXX is another account reporting inaccurate information and then same account is reported multiple times.XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, is reporting inaccurate information and there are several accounts attached under this company name.XXXX  XXXX XXXX XXXX. US DEPARTMENT OF EDUCATION XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, these accounts are paid as agreed and not in any stage of collections.I 'm npt sure why these accounts are appearing this way. I believe that its identity theft or fraud.
Complaint sub-issue: Debt was paid

I financed a bed with XXXX XXXX XXXX  that was damaged. they wouldnt take it back and stick me with the bill. I went back and forth with them and Acima Credit who had me DONATE it for remaining balance to be settled and not paid in full. I accepted the offer  and donated it with proof. and they are still coming at me in my credit report with XXXX   and making outstanding balances several times which dropped my score to THE 400s very poor which now effects my livelyhood and finances of buying my house. The problem is they lied over the phone. why would I donate my bed frame foot board and head board and pillows if they were not going to settle the payment and destroy my credit. now they want me to pay for something i donated. i have proof attatched and XXXX XXXX contacted them and they accepted this settlement as long as they had a tax ID number. imagine that.. they win double. tax cut, and a sale that was only good for them.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

EQUIFAX is governed by 15 USC 1681. And they violated my rights numerous of times. I demand these accounts listed be removed because ACCOUNTS : XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX- xxxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX- # # # # # # XXXX According to 15 USC 1681 ; I have the right to privacy, and I did not give equifax written permission to furnish these accounts
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX and Im submitting this complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX  XXXX Balance Owed : {$560.00} XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$850.00} XXXX  XXXX Balance Owed : {$760.00} XXXX XXXX XXXX  XXXX Balance Owed : {$500.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$260.00} XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Card opened as result of identity theft or fraud

Someone I do not know hacked my computer and made fraudulent charges on my account amounting to {$12000.00} and was made on XX/XX/2013
Complaint sub-issue: Debt was paid

XXXX XXXX XXXX has incorrectly placed a collections account for XXXX on my credit report. I have never had an account with XXXX go into collections. No attempt to collect a debt was made and no proof that I owe this has been presented. This is fraud as I have had no debt with this company.
Complaint sub-issue: Reporting company used your report improperly

Account Name - XXXX Account Number - XXXX In accordance with the fair credit reporting Everything must be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This ground for removal they also violated my rights under : 15 U.SC 1681 Section 602 A states I have the right to privacy, 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish without my written instructions Also the credit bureaus took more than 30 days to complete my investigation.
Complaint sub-issue: Problem with fraud alerts

I contacted Equifax online to set up 90 day fraud alert. They asked for both my current and former addresses. When I called XXXX today to make sure it's in place, they told me that they used my former address as mailing address. I called Equifax to correct this error and was unable to get through their automated calling system to get it done. The new owners of my former address travel extensively and don't live there full time (their XXXX home). My fear is that I won't be able to get the follow-up letters on the fraud alert.
Complaint sub-issue: Debt is not yours

I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
Complaint sub-issue: Information belongs to someone else

I have sent the company  XXXX  certified letters, 31 days apart. Both bearing signiture verification. They have not validated my account bearing my signiture. The account is marked " charged off '' on the report and sold to  XXXX   XXXX .   Both companies have yet to provide any validation bearing my signiture.     After 31 days they did not update my credit report to show " consumer disputes per FCRA '' and will not remove it from my credit reports. It is hindering my ability to get credit.
Complaint sub-issue: Personal information incorrect

After reviewing a credit report issued by you, I have found many errors. 

Specifically, these errors are in the Personal Information section. I am seriously concerned about identity fraud and feel that having inaccurate information on any credit report can become an opportunity to open me up to identity theft, which I, as a knowledgeable consumer would like to avoid. 

The following is the only address that should be listed on my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX The ONLY Information that should show on my credit report is, as follows : ( Please delete all information that does not ) : Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX Previous/Past address : none Employer : XXXX
Complaint sub-issue: Fee problem

I deposited two mobile deposit checks both for under {$200.00}. I deposited a {$46.00} check and a {$140.00} check. They were drawn from XXXX XXXX XXXX cashed out from my 401k closed for leaving the company I was working for. The mobile deposit indicator did not tell me how long or why the checks would be on hold. I had some things go through which would have been covered if not for there uninformed extended two week hold on my deposits. Meanwhile Im racking up fees before I even had a chance to use the funds. They only refunded 1 overdraft fee. There are three. By the time they release the funds Ill have access to only {$10.00}.
Complaint sub-issue: Attempted to collect wrong amount

For the last three to four month this company keeps adding 1 dollar too my account so my credit keeps getting hit. I tried to settle but they are hard to talk too. 
Dont know how too stop them from add 1 dollar every month, It just not right. 
Original amount was {$380.00} XXXX XXXX XXXX. {$3.00} add XXXX XXXX. {$3.00} add XXXX XXXX. {$1.00} add XXXX XXXX. {$1.00} add XXXX XXXX. {$1.00} add XXXX Now it {$440.00} XX/XX/XXXX they add {$1.00} dollar
Complaint sub-issue: Account status incorrect

Hello, In XX/XX/XXXX I made a payment that was past the due date, and XXXX, my mortgage servicing company, reported to all three of the credit beaureaus as 30 days late. 

I was not 30 days late according to their own statements which they sent me and I have attached.The statements themselves say, and I circled this " include a late payment of {$100.00} if paid after XX/XX/XXXX ''. Meaning I am not late till after this date. My payment was not 30 days late, but marked as such. 

This 30 day late has significantly hurt my credit score and my ability to refinance my home. 

I attempted writing XXXX  a letter, which is what they suggested I do after I called them and have not received a response. 

Lastly, XXXX took over the servicing of my account from XXXX XXXX XXXX at the end of XX/XX/XXXX just before this incident. This was a poor transition and I never received any information from XXXX instructing how payments and late payments would be handled going forward.
Complaint sub-issue: Can't use card to make purchases

Tuesday, XX/XX/2019, my Direct Express card was stolen. I immediately began contacting Direct Express but to no avail. Even today, XX/XX/2019, all I get is a robot on the phone numbers to Direct Express. The robot keeps asking for information that was on my card that was stolen and I do not have it. So, I can not move forward to have the card cancelled. My benefits are loaded onto my card at the first of each month, and I am trying to prevent further theft of my funds.
Complaint sub-issue: Was not notified of investigation status or results

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$5400.00} / XX/XX/2022
Complaint sub-issue: Deposits and withdrawals

I want to use the app XXXX  to automatically withdraw money from my checking account in order to save it. Periodically, XXXX will withdraw small amounts of money from my checking account and place it in a savings account. Recently this has been blocked. I would like to unblock it so I can use XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX Amount : XXXX Actions : Reported this error with XXXX XXXX they could not get it removed. XXXX recently denied my request to resolve this based on the previous ( failed ) attempt, so I am need this agency 's help. I also contacted the card company and they show no record of this negative item. Please have them remove this negative item from my credit report.
Complaint sub-issue: Debt was result of identity theft

Hello, good afternoon, my name XXXX XXXX, I had a big problem with the discover card account which was opened in my name by another person, I have contacted the collection department to solve this situation, the debt is {$2400.00}, which the Account, its limit was only {$2000.00}, the collection company reduced the debt to {$1200.00} but according to them it will not delete my credit report, I think it is very unfair that with this situation of covi19 which has not left a big mark, huh I am left without a job even my city is not working 100 %, I am in desperate greed since a thousand times I have let this collection agency know that this account was opened by another person, I sent a police report to this agency, eh I sent proof but they do not want to eliminate from my credit report this debt is not open by me, please for consideration since the same government has said that said debt will be forgiven I need you to have the consideration for said situation to take into consideration my request to eliminate this debt from my report
Complaint sub-issue: Information belongs to someone else

Equifax continues to report fraudulent accounts on my report that do not belong to me. They are in violation of the FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

I have notified Equifax that someone stole my identity and has been trying to open accounts in my name. A few months ago, I sent a police report explaining what happened. Again, I have fraud information on my report. Please review the attached documents and delete this fraud information from my report. Inquiries
Complaint sub-issue: Personal information incorrect

Ive sent in multiple of letters to XXXX, Equifax XXXX XXXX to dispute all incorrect address from my credit report. I also sent them a updated Address, phone number & Job for me
Complaint sub-issue: Problem making or receiving payments

Both my wife and I have opened new accounts, they were unwilling to change the deposit tier so I have attempted to transfer money from my account to her account a number of times and they have placed numerous security holds on the transactions. I have called numerous times to lift the holds only to have them placed on the account again. They have not been willing to lift the holds or offer any explanation for denying me access to my money.
Complaint sub-issue: Contacted you instead of your attorney

I paid off my credit card debt with Discover. Discover then sold my account from what I was told to another bank. I began getting gets calls saying I owe over {$900.00}. My spending limit was only {$500.00}. Its impossible for it to be that much. Plus, I did pay it off. My information was sold to another bank without my knowledge and contained in accurate information and in insane amount of money I actually dont owe. Im still harassed to this day from them.