Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Deposits and withdrawals

My mother set up a Discover Bank account to save money for my daughter. When my mother passed we transferred that account to me to manage. Before the pandemic I had an automatic transfer setup to deposit money on a monthly basis to keep it growing. When the pandemic hit, we stopped depositing money, and only checked the account around tax time to see how much interest was added. I am filling out some paperwork today and needed to check on the savings total, but was locked out of my online account. After calling Discover and regaining access to my account, I scrolled down through the transactions and saw that there were XXXX fraudulent transfers out of my account. All were transferred out using XXXX. 

XX/XX/XXXX - {$600.00} to XXXX XXXX XX/XX/XXXX - {$580.00} to XXXX XXXX XX/XX/XXXX - {$600.00} to XXXX XXXX XX/XX/XXXX - {$600.00} to XXXX XXXX XX/XX/XXXX - {$600.00} to XXXX XXXX XX/XX/XXXX - {$600.00} to XXXX XXXX I also noticed that my email address was changed to XXXX At this point I called DiscoverBank.com and reported the fraud on XXXX, XX/XX/XXXX. But because the fraudulent transactions occurred more than 120 days ago, they could not do anything to reimburse me. They suggested I contact XXXX, so I did ( XXXX ), and was told that it wasn't their problem, that it had to do with Discover 's policies. So I called Discover back and they confirmed that because it had occurred more than 120 days ago, they could do nothing to reimburse me. I asked how someone was able to change my email address without anything alerting me and they said that " our system clearly noted something had happened because it stopped any future transfers of funds beyond the XX/XX/XXXX transaction, and suspended online access to your account. '' I was not notified by phone or email or mail that access to my account had been suspended. If I hadn't been doing paperwork today and needed to check the balance, I would not have noticed until tax time. 

There is no recourse for me to get any of this money back. Money that my retired parents ( XXXX passed 7 years ago ) helped build up over 10 years. My XXXX researched XXXX companies before landing on Discover to create this savings account. She put her faith in them to help us build a nest egg for our daughter. And because I wasn't checking the account every month ( why would I since nothing was going in, I ASSUMED nothing was going out ), and because of some random number of days they have assigned to their policy... it's not their problem. Shame on me for being a working class Mom with more than enough stuff on her plate to pay attention to than to keep an eye out for someone sucking our daughter 's savings dry. 

Discover should be ashamed of themselves. 

I made a formal complaint, but expect to hear nothing back. I have closed our account.
Complaint sub-issue: Didn't receive enough information to verify debt

The debt collector is trying to collect the wrong amount. I have sent many written requests about the debt. I have not received anything. I have started the process to take the debt collector to a small claims court. I have not received any written itemized ledger of the total that the debt collector is claiming. Please remove it from my credit until the debt collector can show proof of the debt amount owned. Please remove this account from all three credit bureaus until the debt is verified with an itemized statement.
Complaint sub-issue: Reporting company used your report improperly

This is my second attempt to resolve this issue in regards to Equifax reporting consumer credit transactions on my report. Equifax is in violation of XXXX XXXX XXXX ( d ) ( XXXX ) ( B ).
Complaint sub-issue: Talked to a third-party about your debt

Previous claim # XXXX. I have repeatedly told Discover they are not allowed to contact and discuss my information with my mother and she continues to receive weekly harassing calls from Discover. I have told Discover the only number I can be reached at is my personal cell phone yet they keep calling my mother trying to collect from her.
Complaint sub-issue: Investigation took more than 30 days

I noticed inaccurate information on my credit reports and I've disputed them with the credit Bureaus. It's been over 30 days and I haven't received any investigation results.
Complaint sub-issue: Debt is not yours

Be advised that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ). This letter is being sent to Jefferson Capital Systems in response to a listing on my credit report. The listing states that I opened an account on XX/XX/2019 and have a balance of {$830.00}. 

THIS IS COMPLETELY FALSE. I NEVER OPENED AN ACCOUNT WITH ANYONE IN 2019. I DO NOT OWE THIS DEBT. THIS DEBT IS NOT MINE. THIS DEBT HAS NO RELATION TO ME AND I NEVER TOOK OUT ANY CREDIT IN RELATION TO THIS PURPORTED DEBT. 

There is NO contract or other instrument bearing my signature, and therefore Jefferson Capital Systems is attempting to collect a debt for which they have no account level documentation showing I owe it. Because there is no proof of such, and I do not owe this debt, I demand immediately for Jefferson Capital Systems to correct the erroneous reports of this past debt as mine. I ask Jefferson Capital Systems to provide the following information to me and the CFPB : Please show evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

What is your authorization of law for your collection of information?

What is your authorization of law for your collection of this alleged debt?

Please show evidence of the alleged debt, including specifically the alleged contract or other instrument bearing my signature and ID to assure youre after the correct consumer.

Please provide a complete account history, including any charges added for collection activity.

Jefferson Capital Systems failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of their claims in this matter, and will entitle me to presume that Jefferson Capital Systems placed this on my credit report ( s ) in error and that this matter is permanently closed. There is no proof, because none exists! Correct the record and remove this invalid debt from all sources to which you have reported it. I am under contract to purchase a home and this invalid, incorrect, and erroneous listing is preventing me from moving forward in building my dream home. It is causing me distress both emotionally and physically.
Complaint sub-issue: Reporting company used your report improperly

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. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX Account # XXXX has 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.

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.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2020, I submit in writing a request challenging the validity of these alleged bankruptcy SageStream have listed on my reports. I recently Challenged this same account with the credit bureaus, and they came back stating that they have verified this account with SageStream. I have gone to the courthouse, and they have also stated they did NOT verify this information. Please send me whatever documents of information you have personally used to verify this alleged bankruptcy, immediately. If you can not produce such documents this bankruptcy needs to be removed from my file as it is defaming my character as well as update the credit bureaus.
Complaint sub-issue: Account status incorrect

I wrote Hardship letter to Flagship and it was accepted in Good faith presumably? They answer in good faith I guess? So I agreed to there terms then I was blessed with additional funds and I paid the complete balance and some. I enclosed a rider subject to them cashing the balance of check and did not receive a reply nor conformation. They cashed the check and took over 60 days to credit the account. Then they added extra fees and then after 90 days corrected them. I am request correction on the part of Flagship. They receive funds upon agreement but never correct the funds to the account. At first credit bureaus showed account in collection. Wrong amounts of balance and payments they refuse to correct. The account is paid in full but they show three collection on account and still show charge off? how can account be both? So I paid the to get a worst credit score then before. I request deletion of account asap.
Complaint sub-issue: Received bad information about your loan

XX/XX/XXXX I refinanced my loans with XXXX, a private company that refinances student loans. The total amount refinanced was around {$17000.00}. I made monthly payments over the past 2 years with interest to pay off this loan during the pandemic. 

XX/XX/XXXX After learning Biden-Harris Student Loan Forgiveness plan XXXX I immediately thought that it didn't affect me and I was already out of luck because I had refinanced my loan. That was until seeing this post on XXXX : XXXX  : XXXX. The original poster mentions that although the loan was refinanced, all that really happens when a loan is refinanced is a private company makes a payment on your behalf, the Federal loan still belongs to the student, and under the CARES Act, should be able to be refunded. The original poster also contacted XXXX and they have said that because their payment has details about who it is for, they can forward any refund request to the original lendee. 

After reading this I decided to call my Federal loan servicer, Great Lakes, and request a refund like many others were doing. There was no argument, they submitted the request and I thought everything was good. 

XX/XX/XXXX I call Great Lakes again to check the status of my refund. Unfortunately, the news that I receive is that the request had been denied about a week earlier, I think on the ninth. The reason for this I was given was " because the payment was made by a third party ''. 

I don't know why this would matter under the CARES Act, as the loan still belongs to me, not XXXX. Furthermore, some people are getting refunds sent to XXXX : https : XXXX. Why are some people being treated differently? 

Also, the process I am trying to take is what is being promoted by the XXXX XXXX XXXX XXXX : XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

I recently had some negative information reported on my XXXX, Equifax and XXXX reports. XXXX XXXX # XXXX This info is inaccurate and I need to see who furnished this information because it has to be from some third party. It is not right please delete this and the inaccurate bankruptcy. 

XXXX XXXX File Number : XXXX XXXX Report Number XXXX Equifax SS XXXX I am no longer associated with these addresses they need to be deleted I am a military wife and I have have issue with my personal information being compromised please deleted/remove the addresses and phones. 
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 XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX These number do not belong to me!! 
( 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 I have attached proof of my address in this complaint.
Complaint sub-issue: Information belongs to someone else

( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX {$3400.00} XXXX XXXX XXXX CO XXXX {$21000.00} XXXX XXXX XXXX CO XXXX {$18000.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX XXXX XXXX {$65000.00} XXXX XXXX XXXX XXXXXXXX {$1600.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act the following accounts have violated my rights : XXXX XXXX XXXX Opened XXXX {$4300.00} 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
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 {$500.00} 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 ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$500.00} -This is not my account.
Complaint sub-issue: Debt was paid

GreenSky , LLC. dismissed all my complaints and closed them without fully investigating the situation. A representative that I've never even spoken with before, closed my cases and claimed GreenSky did an " investigation '' on my overcharged account closed my claims, while my actual caseworker has been out of town for a week, never fully investigating my case. The representative that closed my case said I I was notified of a price increase by XXXX XXXX, and I most certainly had no idea. I have medical proof from my PCP that was faxed to my caseworker yesterday, so GreenSky did not do a full investigation. My caseworker said she would call me Monday, when she returned to the office to further investigate my case, but some other representative closed my cases without knowing the full scope of the situation. I have medical proof that I was unable and not able to come in for XXXX XXXX. There is fraud happening with GreenSky and XXXX. I'm XXXX and live off a XXXX check. The manager of XXXX was very deceptive about the pricing. She did tell me the 50 % off treatments applied to any treatments I got but it's news to me that there was a price increase. If they tried to tell me they didn't do a good job because I had no clue. Why would a person who lives off of XXXX sign up for a $ XXXX contract without being lied to about the price? I can hardly afford my bills as it is. Thieves.
Complaint sub-issue: Other problem

On XX/XX/XXXX, I called to pay in full the balance on my secured card issued by Discover bank and upon payment in full close the account due to a transaction problem that I had experienced with Discover on the same day. The customer service agent took my payment and closed the account, she further advised me that once I see the funds cleared at my bank I need to call back Discover to set the process of returning the security deposit back to me. 

On XX/XX/XXXX, I checked my back account and the funds paid to Discover had been cleared at my bank. As instructed by the customer service agent on XX/XX/XXXX, I called back Discover. The customer service agent who I spoke with in order to get my funds returned to me informed me that my security deposit will be returned to me after 2 months. 

There are two problems that I see with this practice. The first, issue is that a secured card also known as a prepaid card is not a credit card in sense that no credit is extended for the funding of the account. The account is 100 % funded by the client, therefore, the account by its nature is no different than a checking or a saving account open with a financial institution. Discover Bank does not extend or make available any funds other than the funds fully invested by the client. Ergo, closing a secured card is similar to closing a checking/saving account where funds in the closed account are paid back to the client at the time the account is closed. Second, what legal justification does Discover Bank have for the unreasonable hold time on the funds for entire 2 months? Regulation CC clearly sets rules on how quickly banks need to release clients funds. If for the sake of the argument we assume that Discover Bank release of funds falls under certain circumstances known as exceptions and lets assume that the exception applies, the bank may only hold the funds for a reasonable amount of time. Although, that time is not specifically defined, it is usually accepted to be no longer than 5 business days. Therefore, Discover Bank 2 -months hold on funds shall not only be found unreasonable but also illegal. 

Lastly, during the 2-months hold of funds, Discover is clearly profiting one way or the other from the funds - either as keeping the funds in an interest-bearing account accumulating interest from the funds ( while not paying any interest to the client whose funds Discover bank is illegally holding ), or by landing the money to other borrowers. Irrefutably, there is a financial and ethical misconduct on behalf of Discover Bank. This practice is manipulative and it is clearly designed for profiteering by abusive hold of funds. 

XXXX XXXX Discover Card number ending XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My personal information is on the dark web according to my credit monitoring agencies. I spoke with a representative about some enquiries that did not originate from me or with my consent. I will want these enquiries removed from my profile. Below are the enquiries 1. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ( No address or phone ) XXXX. XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX These four enquiries are not recognized and unauthorized
Complaint sub-issue: Reporting company used your report improperly

This company stole my information and reported it to my credit report
Complaint sub-issue: Account information incorrect

I recieved a copy of my credit report and there are accounts that I do not recognize and have not authorized.
Complaint sub-issue: Account status incorrect

Per the Covid Cares Act, if in forbearance due to Covid related hardship the mortgage company should not be reporting the payments as late during that time to the credit bureaus. My mortgage company did, my credit shows late payments every month during forbearance.
Complaint sub-issue: Trouble with how payments are handled

Much like XXXX, it appears as if FedLoan Servicing systematically cheats student debtors by taking shortcuts to minimize its own costs. Upon information and belief, FedLoan Servicing unlawfully steers struggling borrowers facing long-term hardship into payment plans that temporarily postpone bills rather than helping them enroll in plans that cap payments relative to their earnings. The latter option promises debtors the possibility of debt forgiveness after years of steady payment. The former raises the possibility of a financial time-bomb.
Complaint sub-issue: Their investigation did not fix an error on your report

I faxed my identification and utility bill and social security card to equifax on XX/XX/XXXX. I get these alerts from my credit monitoring services please see attached. The fraud department guy I spoke to had updated my address and assured me that it wouldnt change again but I knew it would. He said the mixed files were fixed he saw in the notes. So why am I getting these alerts? I just simply want answers.
Complaint sub-issue: Information belongs to someone else

FCRA violations : accounts not mine XXXX XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$35000.00} written off. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$21000.00} written off. 
XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$21000.00} Status Collection account. $ XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5100.00} Status Account charged off. {$5100.00} written off. {$5100.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$11000.00} XXXX Account charged off. {$11000.00} written off. {$11000.00} past due as of XX/XX/XXXX. 
XXXX  XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. {$1.00} XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8700.00} Status Account charged off. {$8700.00} written off. {$8700.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Account charged off. 

FCRA violations : payments never late XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Open. 

XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed.
Complaint sub-issue: Reporting company used your report improperly

To Whom it may concern, I recently challenged the validity of XXXX XXXX XXXX  Account # XXXX ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information you used to verify this account in writing. If such documents can not be produced, please DELETE this account from my credit report immediately. 

What happened? 
The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been removed from your credit report. 

Source : XXXX Date Submitted : XX/XX/2022 Report Number : XXXX Account Number : XXXX Company : XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX
Complaint sub-issue: Account information incorrect

Please remove this account from my credit report. The Balance is incorrect. XXXX has it as {$14000.00} and Equifax has it as {$14000.00} The High Credit balance is incorrect. XXXX has it as {$13000.00} and Equifax has it as {$10000.00}. The Past Due amount is incorrect. XXXX has it as {$14000.00} and Equifax has it as {$14000.00}. Please remove this account from my credit report, I would like my credit report to report accurate information only.