Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX XXXX XXXX XXXX XXXX DEBIT CARD XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX On XX/XX/XXXX I spoke with company on XX/XX/XXXX the company verified they received returned mail saying the mail was un deliverable. I never received any documentation regarding this account and I have disputed with company. The are reporting information that is incorrect. I would like account removed from my credit report. I never received any right to dispute account from this company. XXXX XXXX at XXXX XXXX XXXX. spoke with her on XX/XX/XXXX at XXXX XXXX
Complaint sub-issue: Problem with fees

Add to Case No. : XXXX I finally was able to speak with XXXX XXXX @ Discovercard, Senior Associate, Executive Office of Customer Advocacy today and with no further resolution. He has no way of providing me with proof of my consent for the Payment Protection Fees which he shows was added to my account on XX/XX/XXXX. Their policy is to refund the last 6 months of fees charged to me, which has been done. XXXX XXXX has access and will be mailing me my statements from XX/XX/XXXX ( the earliest he has access to ). He does n't know how much I have paid in fees, but by my calculation, this is over $ 10k just in fees that I never consented to. Right now, I am getting no where, other than to contact an attorney, but an attorney would probably cost more that the fees I already paid. I was researching again on the best course of action and see that there was a Class Action Lawsuit against Discovercard back in 4th Quarter XX/XX/XXXX. Why was n't I notified of this lawsuit? How did one get notified? I reviewed the links and the last to be added to this lawsuit was 1Q XX/XX/XXXX. I am so frustrated. CFPB already took action against Discover, but I was not part of the notification process. I 've lived at my address since XX/XX/XXXX and have had forwarding orders when I had a XXXX XXXX while working in downtown XXXX XXXX, so I should have been included. My debt with this card would be zero if not for these " Payment Protection Fees ''. At this point, I really do n't know what to do. I called your number to ask for further assistance and was notified to seek an attorney. When I research that, I find there was already this lawsuit that would have taken care of these arbitrary fees.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. I 've already spent money purchasing additional Credit Monitoring services as well as Identity Protection services. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX has been reporting my mortgage payments as being 30, 60, 90, 120 days past due. This is incorrect, I have not missed a payment in years. Ive contacted XXXX XXXX XXXX  multiple times regarding this and have been told I would be given a call back to solve this issue and no return call has been received. I have then filed a dispute to the credit bureau XXXX XXXX and Equifax and neither of them have fixed the issue.
Complaint sub-issue: Their investigation did not fix an error on your report

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Complaint sub-issue: Other problem

On XX/XX/20 I logged into my discover account to find the credit limit on both of my credit cards severally reduced ( over 60 % on one and over 75 % on the other ) with no notice or explanation given prior to contacting the creditor. When I did contact them they stated talking points " from to time we review credit worthiness '' ( and so on ) but ultimately it was due to a collection account that was placed on my record ( which has been disputed ). I have never missed a payment on my discover cards or any of my credit cards/loan payments. I have a flawless payment history yet when a credit agency that is known for deceptive practices places an inaccurate and/or fraudelent record on my account they jump ship like snake oil salesmen after a town is bled dry. 

The detrimental impact is the following : My credit report will now show that a creditor reduced by available credit, if I try and get another credit card it will impact my overall credit rating, and I had XXXX presents for family members already pre-ordered with those cards that can no longer be purchased due to being sold out completely ( one of  the gifts was for an XXXX  servicemen who is currently XXXX  ). 

It's unfortunate that during a global epidemic that this company not only took these actions, but took them against a customer who did nothing wrong ( again, no late payments of any kind ) and their customer service and account specialty department did not care whatsoever.
Complaint sub-issue: Information is not mine

Point of Contact is XXXX XXXX with Equifax. Her email is XXXXXXXXXXXX. I have the issue of XXXX and Georgia power reporting on my credit file. XXXX companies never received the dispute notification even though Equifax claims to have placed my request for a dispute. However, XXXX XXXX with XXXX said even though they did not receive the dispute he will manually delete the item from Equifax and he gave me an XXXX number of XXXX. Yes, the item according to Equifax will not be removed because Equifax claims it to be verified in which RPM states they never received any dispute and never confirmed this account with Equifax. XXXX account is the result of Identity theft and I have on numerous occasion notified Equifax. Equifax claims this account is verified from the last dispute completed XXXX XXXX, XXXX under confirmation number XXXX. However, when I call XXXX they too claim they never received any notices of disputes and further stated that the last time they reported this account was back years ago in XXXX which matched the credit file. However, Equifax will not remove this item even after thirty days has gone by. 

Furthermore, there are several accounts on my credit file that are the result of identity theft which include : XXXX XXXX with account number XXXX ; XXXX CU with account XXXX XXXX and XXXX with account XXXX. 

In addition, I requested a consumer statement be added to my credit report with Equifax that reads : " I have notified Equifax on numerous occasions of accounts reporting on my credit file as a result of Identity theft with no resolve. Equifax has chosen not to block these items from my credit file with no specific explanation as to why and with no written communication. Further, several accounts on my credit file such as XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX are the result of Identity theft and I have not received any goods or services from these companies. The identity theft is believed to have occurred during the XXXX XXXX patient data compromise and the XXXX compromise in which my personal identifiers while serving in the XXXX are believe to have been compromised ''. 

With the above consumer statement, I do not want assistance from Equifax in modifying or editing the statement or any other assistance, I just want them to add my statement exactly how I wrote it. I want the statement from my words only. Equifax claims they will modify this statement against my wishes. 

The disputes under confirmation number XXXX were not processed properly in accordance with the FCRA and therefore these items under this dispute with completion date XXXX/XXXX/XXXX should be deleted. 

I have requested the method of dispute in writing for the dispute under confirmation number XXXX, however, Equifax will not send me information pertaining to the method of dispute used even though I have the right to know under the FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

I am distressed and constantly have anxiety attacks after numerous of times disputing both by mail and on the phone for the last 6 months and they kept the inaccurate information on my report that they have included the information below in my credit profile and that you have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in my credit reports they published. 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. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. I dont recognize this public record on my credit profile so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their courts ; please provide proof from the court of this public record. I never file bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Complaint sub-issue: Information belongs to someone else

MY NAME IS XXXX XXXX XXXX XXXX MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX MY SOCIAL XXXX, MY COMPLAINT IS I DID A DISPUTED WITH EQUIFAX AND TOLD THEM THAT THE XXXX CREDIT CARD ACCOUNTS XXXX XXXX XXXX XXXX AND OTHER XXXX CARD XXXX XXXX XXXX XXXX ARE ALSO FRAUD ACCOUNTS, THESE ACCOUNTS SUPPOSED TO BEEN REMOVE OFF MY CREDIT FILE. AND ALSO THE XXXX XXXX XXXX XXXX ACCOUNT THAT HAS A BALANCE OF XXXX DOLLARS. BUT ITS STILL SHOWING PLEASE HAVE REMOVE EQUIFAX REMOVE THESE ACCOUNTS THANK YOU
Complaint sub-issue: Information belongs to someone else

Multiple accounts that are incorrect are reporting on my credit reports 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
Complaint sub-issue: Their investigation did not fix an error on your report

I have requested they investigate several accounts that are being reported incorrectly. I have mailed letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. There are more dates but I feel this shows my attempts to work with them. My requests were to investigate and provide me details of the investigation. I requested them to delete the account based on they are reporting incorrectly. All I get is responses based on them submitting codes. No investigation ever happened. They have never provided me details of an investigation.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX  XXXX XXXX XXXX  XXXX. XXXX XXXX  XXXX, PA XXXX Re : Social Security Number xxx-xx-XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1. Flagship Cre XXXX, TX XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Complaint sub-issue: Account status incorrect

We are currewntly getting a mortgage. In 2018 XXXX  XXXX placed a Negative entry on my credit report. For XXXX XXXX XXXX in the amount of {$900.00}. This account at XXXX XXXX XXXX was immediately paid in full the account closed. The creditor recalled the account number XXXX. A request was sent to the three bredit bureas to delete the item. XXXX XXXX deleted. XXXX deleted. Equafax refuses to delete the item. We have called them, confirmation number XXXX. We have filed 3 disputes. We have sent them letter by fax explaining this. We have sent them the letter from XXXX XXXX requesting they delete the entry as the account was recalled by the creditor. 
Our mortgage closes XX/XX/XXXX. WE MUST HAVE THIS REMOVED By EXUAFAX Please help me!!! 
XXXX XXXX
Complaint sub-issue: Account information incorrect

There is a missed payment on my credit report from 2017 ; I have never been late.
Complaint sub-issue: Problem during payment process

We have a Citi Visa credit card branded with Best Buy. The statement cut on XX/XX/XXXXwith a balance of {$6400.00}, due XX/XX/XXXX. We signed up through Citi bank 's website to make ACH payments by direct debit of an account at our primary bank. 

On Sunday, XX/XX/XXXX, we submitted payment of the full balance of {$6400.00}. Monday, XX/XX/XXXX that amount was debited from our account. 

As of Wednesday XX/XX/XXXX Citi showed that the payment had been made, but had not added the funds back to our available credit. I call and spoke with a representative who said it normally takes two business days to post payments. This does match Citi 's Terms & Conditions. 

As of Thursday XX/XX/XXXX it was still not available. I called again and now the rep said because it was a large payment it had a float hold of 7 days instead of 2. A 7 day float hold for an ACH payment they received on XX/XX/XXXX? Because Thursday was XXXX the call could not be escalated to a supervisor. 

As of Monday XX/XX/XXXX, seven days after Citi received payment by electronic transfer, the payment was still not in the available balance. I called again, escalated to a U.S. supervisor, who transferred me to a credit specialist, who spent 5 minutes trying to reach XXXX XXXX XXXX, who then transferred me to another manager, who then spent several minutes reaching XXXX XXXX XXXX, who then went though an almost comical phone call to verify that in fact XXXX XXXX XXXX had transferred {$6400.00} on Monday,XX/XX/XXXX 

My company writes ACH and payment processing software. There is no float on ACH. My bank has the choice of rejecting the payment or transferring the funds. Citi received confirmation of it, at the very latest on the XX/XX/XXXXbut much more likely on the XX/XX/XXXX. 

The float policy is unreasonable to electronic payments. It should not require 3 calls and 7 days to get credit for funds that were transferred to Citi electronically.
Complaint sub-issue: You never received your bill or did not know a payment was due

I never received a statement for this XXXX XXXX XXXX credit card after applying for the account. It has been nearly three months ( since XX/XX/18 ). I have called at least 4 times asking to be sent this statement and still I have not received it. It took two months just to receive the credit card in the first place -- and I had to call twice to get that. So I didn't even know my own account number for two months, to whom or where to send payment, and had absolutely no way of monitoring the activity on my account or using the card.

In addition, as a result of this delay I was unable to register online for the special promotion for a {$400.00} prepaid card because I was told to do it when I got the card. You can not register online without having your full account number. They would not provide me with the account number. I had to wait until I received the card or the statement bearing the account number. Later - too late to meet the promotional deadline - I was told I didn't have to wait for the card and I could mail in the rebate with just the receipt and last 4 digits of the account. I was denied the rebate.
Complaint sub-issue: Account information incorrect

I recently submitted a complaint against this credit bureau stating that they had re- aged a XXXX XXXX XXXX account that was appearing on my credit report. I showed evidence that a re- aging was done and I do have the voice recording of the agent of the agent who confirmed that the account was re- aged. The agent stated that the account was re- aged and that the XXXX XXXX XXXX account would not fall off my credit report until XXXX 2028. 
I check my credit profile online and they have changed back the age of the account to 7 years, 8 months and 13 days. The mere fact that the account was re-aged is a violation. Not because the credit bureau has changed back the age of the account does not mean that there are no penalties to be faced. The fair credit reporting act states that re- aging any account is a serious offence. Delete XXXX XXXX XXXXXXXX from my credit report immediately or face legal action. I wont take legal action or file for damages if the account is deleted from my credit report. I can assure you that it will be cheaper to delete it from my credit report other than having to send lawyers to appear in a Florida court. Re- aging of the XXXX  XXXX XXXX account was done. It doesn't matter the account has now been updated. 
Kindly see files attached showing that the account was re-aged and that now the age of the account has been updated. This information was gathered from the credit bureau 's website. Kindly look at the dates on the top of the documents submitted which clearly shows that the account was re- aged but was recently updated. You broke the law. 
You broke the law. Delete XXXX XXXX XXXXXXXX immediately or face legal action for damages.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX my card was fraudulently used at a XXXX. I called Citibank and reported the fraud. 

They mistakenly reversed all of my transactions from XX/XX/XXXX. 

However, when they corrected their mistake, they double billed me for the reversed items. For example : {$10.00} Charge 1 ( {$10.00} ) Reversal of Charge 1 {$10.00} Charge 1 {$10.00} Charge 1 So, instead of owing ( correctly ) {$10.00}, I now owe {$20.00}. I have sent screenshots of my statements showing this, but they insist they are correct.
Complaint sub-issue: Old information reappears or never goes away

This company violated 12 CFR PART 1022 REGULATION V. They are still reporting outdated information that 7+ years old on my report. Also they are reporting multiple negative accounts with ONE account number.
Complaint sub-issue: Information belongs to someone else

1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2018 This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

3. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

4. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX  XXXX XXXX Balance : {$19000.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$930.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$340.00} ; XXXX XXXX XXXX XXXX XXXX : {$450.00}
Complaint sub-issue: Debt is not yours

A debt collection appeared on my credit report recently. This debt was from a utility company in Michigan. It appeared originally around XXXX. I disputed it with the utility company then and it was removed. Now 4-5 years later it reappeared thru a collection agency. I disputed it with them and they were going to provide a report to the utility company as I do not and have not lived in Michigan since XXXX. After speaking with XXXX I was advised to file credit fraud to prevent this fraudulent debt from being sold to another debt collector and reappearing on my report. The amount in {$4000.00}. I cant believe that a utility company can let someones bill accumulate that high without a disconnection of service. It sounds like they are trying to pass their mismanagement issues on to me. 
XXXX XXXX XXXX id # XXXX Amount {$4000.00}
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It 's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Complaint sub-issue: Denied request to lower payments

During the Covid-19 pandemic I was furlough on my job went back to work a few months ago and my vehicle I purchased XX/XX/XXXX I have been making payments on the vehicle was repossessed on XX/XX/XXXX I just made a payment on XX/XX/XXXX had a arrangement for next payment to be withdrawn from my personal bank account two weeks later but instead they repossessed the car I need help