Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card opened as result of identity theft or fraud

A Discover Bank # XXXX in the amount {$7600.00} reflects on my credit report that is fraudulent. I never obtained credit from Discover nor have I applied for credit with this company. I have contacted Discover and XX/XX/XXXX about this matter and they have continued to give me the same frivolous response by continuing to report false information. I've provide them with all the proper information to resolve and to correct this issue.
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute with Equifax onXX/XX/XXXX and failed to reply.
Complaint sub-issue: Debt was paid

IC Systems-XXXX - Is reporting on my credit for a debt we do not owe. We are on a hardship/financial assistance program with the hospital and ALL my medical debts are included in that. You guys keep putting new collections on my credit report and the hospital has already told me they pulled them back. 
So I don't know why they keep doing this but I am tired of continuously fighting this with them. You are in clear violation, especially because we contact you every single time you post it on credit .... because, mind you, you never send a notice for me to dispute it, which is also a violation. 
But I contact them and fight with them every time and the hospital retracts the bills. I have this all worked out with the hospital and this needs to be deleted and they need to stop putting these on my credit! 
I am contacting my friend XXXX who is the Assistant Attorney General and I am filing complaints with them also.
Complaint sub-issue: Account information incorrect

I learned my information was involved in a data breach. I refinanced with a company last yeand he last year and I noticed a drop on my credit report of points. When I reach out to the lender of the money source they stated that someone has submitted a payoff request for my mortgage however this is something that I did not authorize. I reached out to the company several times and they still have not changed my phone number or my email address or my contact information and they are trying to sell my mortgage out from underneath me. They are committing friar. I have reached out to the social security office the police authorities the federal trade commission the FBI and I am at a loss what to do from here because I am being ignored Please reach out to XXXX.
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX, A FAX AND LETTER WAS SENT TO VALIDATE THE THE ACCURACY OF A CHARGED OFF ACCT LISTED ON MY CREDIT REPORT FROM XXXX XXXX XXXX XXXX NOW, I REQUESTED THAT I BE PROVIDED WITH INFORMATION AND COPIES BE SENT TO ME THAT WAS USED TO VALIDATE NOT VERIFY THAT THE DEBT WAS OWED BY ME TH THE ABOVE COMPANY SUPPLIED THE REPORTING AGENCY WHEN LISTING THE ACCT ON MY REPORT. PAYMENT HISTORY IS NOT A PROPER FORM OF VALIDATION AND THERE IN VIOLATION OF THE FCRA. XX/XX/XXXX A FOLLOW UP VALIDATION LETTER WAS SENT OUT TO RESOVE THE ISSUE THAT THEY ARE STILL TARNISHING MY NAME AND REPORTING INACCURACIES, I WOULD LIKE THIS MATTER RESOLVED AS SOON AS POSSIBLE BEFORE I HAVE TO TAKE LEGAL ACTIONS.
Complaint sub-issue: Account status incorrect

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX : $ XXXX Opened : XX/XX/XXXX XXXXBalance : $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXXBalance : $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX : {$0.00} -Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) -Balance : $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) -Balance : $ XXXX Opened : XX/XX/XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

i have contacted all XXXX credit bureaus as well as THE BUREAUS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are violations and inconsistencies in the reporting between the XXXX bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see circled,,,,, this account has been re aged which is a violation,
Complaint sub-issue: Banking errors

On XX/XX/2022, I opened a new 1 Year CD online with CitiBank. I had {$250000.00} transferred from an existing CitiBank savings account to fund the new CD. During the online procedure to open the CD, I specified that the monthly interest earned on the CD should be added to the CD balance. On XX/XX/2022 I checked the balance on the new CD to find the interest had been deposited into my savings account NOT the CD as I had instructed. After hours of being transferred from one customer rep to another on the phone, I was finally informed by CitiBank that the CD interest could not be changed to post to the CD until the maturity date. So, basically, all interest earned on my new CD is being deposited into my savings account earning a lower interest rate. Not only is this a result of the banks error but it prevents my interest on the CD from compounding which saves the bank money. I find it unacceptable that CitiBank refuses to correct this issue.
Complaint sub-issue: Information belongs to someone else

( XXXX true Identity theft ) Im a member of the equifax data breach & have filed my claims accordingly i have been attempting to clear credit report of these fraudulent items. 
My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help Equifax : CONFIRMATION NUMBER : XXXX XXXX  Report Number : XXXX Report Number : XXXX Date Generated : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$3800.00} ( XXXX ) XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$3600.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$10000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$1700.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$670.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$750.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XX/XX/XXXX {$15000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX {$13000.00} ( XXXX ) XXXX ACCOUNT NAME : XXXX  XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Complaint sub-issue: Other problem getting your report or credit score

I pay for credit report access from  XXXX . They reported my score as  XXXX . I requested a loan and they reported an experian score of  XXXX . My bank offers free credit score information. It said my  XXXX   XXXX  score was  XXXX , Equifax  XXXX . Why the significant variations in my score? Why are the scores I paid for inflated or the scores reported to lenders undervalued? I feel like its intentional to offer me terms that would cost me more.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX, XXXX reviewed my credit report and noticed that Equifax was not only not enforcing statutes under the FCRA but were a accomplice to the infringement of my federally protected rights. I sent a notarized affidavit with exhibits and they are in possession of that affidavit and have not notified me that an investigation is in progress.
Complaint sub-issue: Information belongs to someone else

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX Balance : {$36000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Regarding Account # XXXX XXXX XXXX XXXX XXXX  On XX/XX/XXXX, I settled with XXXX XXXX XXXX regarding the XXXX  XXXX XXXX XXXX  Account for {$150.00}. The account is paid in full and is closed. The charge off for XXXX  XXXX XXXX XXXX was not updated when I reviewed my Equifax and XXXX  Credit Report in XXXX of XXXX. XXXX  was the only credit bureau that removed the account in its entirety. 

I contacted Equifax and XXXX  on XX/XX/XXXX of XXXX and opened disputes and sent the settlement letter from XXXX XXXX XXXX by mail on XX/XX/XXXX. XXXX  sent me an alert XX/XX/XXXX innforming me that XXXX XXXX has sent information stating that the account is a chargeoff and it will not be updated. The account is a chargeoff, but it is a paid chargeoff and it should reflect that. 

I spoke with a representative on XX/XX/XXXX from XXXX  and they stated that they are unable to update the chargeoff as Paid. l have attached the XXXX XXXX Letter for payment, Settlement Letter from XXXX XXXX XXXX, and a Receipt to USPS for your review.
Complaint sub-issue: Collected or attempted to collect exempt funds

XXXX 2022 email from debt collection informed they were trying to collect funds owed to XXXX  is a certified agent of the veterans XXXX and cant attempt to collect from veterans who have received awards for XXXX.
Complaint sub-issue: Problem getting a working replacement card

Re-open complaint XXXX. CFPB has marked this as a duplicate. IT IS NOT A DUPLICATE. 

I have two Discover accounts. One ending in XXXX. One ending in XXXX. Both have the same issue. I have the complaint opened on each of them so that both cards are addressed and not just one of them. If I only had one complaint, it would only get resolved for the one account and not the other. There is a ligament reason for having to complaints open and I wish that the CFPB would have reviewed these complaints more closely and they would have noticed that they were DIFFERENT ACCOUNTS and not a duplicate.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Dear Sir, Madame On XX/XX/XXXX22 I filed a dispute with XXXX, XXXX XXXX XXXX. 

I am currently a college student and I have never applied for a credit card with Macy's/Citi Bank XXXX 
I have been made aware that an account was opened and women 's boots were purchased, I have reported this error to, XXXX, XXXX and XXXX XXXX XX/XX/XXXX2022. 
Since then, I subsequently placed a block all three credit bureaus. 
I have spoken to several XXXXacy credit/Fraud agents to no avail! 

PLEASE INVESTIGATE THIS MATTER. 
Thank you, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Complaint sub-issue: Didn't receive enough information to verify debt

While in college, I signed a rental agreement for a property from XXXX XXXX XXXX, XXXX from Fall XXXX until Summer XXXX, then resigned a contract from Fall of XXXX until Summer XXXX. Although some of the people I rented with stayed in the house, I no longer was on the contract for the school year of XXXX. On XX/XX/XXXX, I received a notice from Hunter Warfield claiming I owed {$5800.00}, from XXXX XXXX XXXX, XXXX. The notice said the debt originated on XX/XX/XXXX, although I had not been notified prior of this amount due. The notice said I could dispute the claim by calling or writing by XX/XX/XXXX. After many failed attempts to call the collection agency, I wrote a letter on XX/XX/XXXX, asking the debt collections agency to work in accordance with the Fair Credit Act, The Fair Credit Billing Act, and The Fair Debt Collection Practice Act to provide all documented proof from the XXXX XXXX XXXX, XXXX which includes the signed agreement, along with all charges made and all payments, that says I owe the amount to the XXXX XXXX XXXX, XXXX, all accounting records of this account, a copy of the signed contract and signed truth lending contract I signed with the XXXX XXXX XXXX, XXXX, and copies of all orders made with this company. If these could not be verified, I asked that all debts be removed from my account. I also included an address and email the company could reach me at moving forward. After months of no contact, I received notice from XXXX XXXX that this debt was now on my credit report as of XX/XX/XXXX. I once again disputed this claim through XXXX XXXX with no prevail. On XX/XX/XXXX, I reached out to XXXX XXXX XXXX, XXXX, to get more clarification of this debt ; they refused to have any contact and referred me to the collection agency of Hunter Warfield. When I reached out to Hunter Warfield on that same day, I reiterated my request for debt validation as I had moved out in XXXX and did not have a running contract with XXXX XXXX XXXX, XXXX when the debt originated in XXXX. As of today, I still have not received a verification of this debt and am still receiving reports of it on my credit report.
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX XXXX XXXX contacted me about a debt their saying I owe XXXX XXXX XXXX XXXX. I don't owe XXXX XXXX XXXX XXXX any money. When the transaction happened I was in Minnesota at the XXXX XXXX having XXXX and XXXX for XXXX XXXX. I did not authorize any transactions that occurred on my XXXX XXXX XXXX XXXX account and I'm not responsible. This company has reported incorrect and fraudulent information to the credit bureaus and I want them investigated. I would like for this company to stop harassing me and ruining my credit for something I did not do.I 'm going to get my attorney involved at this point. As of today i have not received all the transactions info, I requested that this company send me all the transaction on the XXXX XXXX XXXX checking account and they have fail to do so. XXXX XXXX XXXX XXXX informed me back in XXXX  this account was closed because I reported someone used my account and this XXXX   XXXX XXXX XXXX  an old debt buying company obtained a account and trying to collect. They are not getting XXXX XXXX  from me because I don't owe it.
Complaint sub-issue: Information belongs to someone else

I tried to contact Discover Bank directly but the number is " non-working ''. I am in the process of applying for a  Home Equity loa n. When I received the property report on  XXXX   XXXX ,  XXXX , I discovered a judgement listed against me. The information on that judgement is as follows : Number -  XXXX  Plaintiff - Discover Bank  Address  -  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX , OH  XXXX  Date Recorded -  XXXX / XXXX / XXXX  Amount - {$17000.00} This judgement is against my son, who has the same name. When I went to the courthouse to resolve this issue, they instructed me that I need to contact the Attorney 's office representing the collection agency. I contact Attorney  XXXX   XXXX   XXXX  of  XXXX   XXXX   XXXX ,  XXXX . on  XXXX   XXXX ,  XXXX . The attorney asked me to confirm the last  XXXX  digits of my social security number. He advised me that the social security number he had on file had different last  XXXX  digits. He confirmed that the collection was not with me. Because of this collection, I am unable to proceed with an y Home Equity loan s.
Complaint sub-issue: Reporting company used your report improperly

i am victim of identity theft, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, these are belonging to me, XXXX XXXX  has been under investigation for 3 months, fcra says cra get 30 to process dispute for consumer this way over.
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, OH XXXX AXXXX XXXX  Opened : XX/XX/XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Balance : {$470.00} XXXX  XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX I decided iwanted to get some help with my student loans ; have my loans forgiven or reduced.I then started doing my research and came across XXXX XXXX i gave them a called andspoke To XXXX XXXX I briefly told him about my stitutaion, He then Instantly told me that he could help me, and i came to the right person.He told me how XXXX XXXX been around for a long time, helped millions of students around the world with their loans and also XXXX XXXX was apart of the obama student loan forgiveness.He then asked me for my ssn DOB address, place or employed and so on. so he could get started, I proceed by doing so.After I was finishing giving him all my information, he told me that he would get back to me in a week or so he had to send my information to the DOE. after a week i notice that i was getting calls from different numbers, i got scared and told them to cancel my application.on XX/XX/XXXX a  charger of XXXX was posted to my Credit report from XXXX XXXX XXXX  on Equifax.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about the inaccurate information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX Balance : {$0.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$3200.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX*Balance : {$20000.00} XXXXBalance : {$0.00} XXXX  XXXX XXXX Balance : {$9700.00} XXXX, XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6800.00} XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$16000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I DEMAND TO KNOW A REASON AS TO WHY THE CHARGED OFF ACCOUNT FOR XXXX XXXX BANK IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT. IT'S AN ACCOUNT THAT WAS OPENED IN XX/XX/2002AND IS WAY TOO AGED TO STILL BE REPORTING ON THERE. AFTER SEVERAL ATTEMPTS AT TRYING TO GET THIS ACCOUNT REMOVED, NO RESPONSE HAS BEEN GIVEN TO ME NEITHER HAS ANYTHING BEEN DONE. PLEASE REMOVE THIS ACCOUNT BECAUSE I HAVE GOALS I NEED TO ACHIEVE, AND IT IS REALLY AFFECTING THE OVERALL HEALTH OF MY CREDIT. PLUS, IT DOES NOT ALLOW ME TO MOVE FURTHER IN LIFE.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying to have a fraudulent account from XXXX deleted from my credit report with Equifax for years now ( XXXX XXXX XXXX account # XXXX ) I have sent numerous letters asking for this account to be investigated and if verified show proof of their right to post this account on my credit report ( my last letter was file # XXXX on XX/XX/XXXX. ) I have showed indisputable proof from the IRS and Social Security Office that this account is not mine. I have also showed proof that another Credit Bureau has deleted this account as they could not verify its accuracy. In all cases Equifax has responded with a generic response that the account was verified. They verified it without showing how they investigated or proof of their verification, even though i have requested to see this information and its what the law says they must do. XXXX  continues to violate my rights as a consumer to have an accurate credit file, and must show proof that they have the right to have this fraudulent account on my credit report.
Complaint sub-issue: Public record information inaccurate

I have XXXX citi card which was expired in XXXX XXXX, XXXX sent me a letter indicated I had a bankruptcy or a bankruptcy or a charge-off on another Citi card and the card will not be issued, this is totally incorrect information, I never had a bankruptcy or other Citi card except XXXX citi card. In order to clarify, I called your citi customer service XXXX times and XXXX credit bureau : XXXX XXXX XXXX XXXX, spent hours and found out nothing wrong with my credit, I also faxed my credit report from the above three credit bureau to citi and received a letter informed me my account was closed, I called citi customer service and they were very rude and refused to check my credit. they also refused to refund my rewards and membership. This is unacceptable.
Complaint sub-issue: Information belongs to someone else

Unverified accounts on my credit report The credit agencies Never verified or complied with the rules of the FCRA ( XXXX XXXX  XXXX # XXXX ) AND ( XXXX XXXX  XXXX ) it's been way pass 30 days Please have them delete the unverified accounts. 
Thank you see enclosed proof