Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

It has been a battle going through this and I am writing to delete the following fraudulent 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 the charge nor accounts. 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. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX, XXXX XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete these items as soon as possible : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}.
Complaint sub-issue: Confusing or misleading advertising about the credit card

( THIS IS THE SECOND TIME IM WRITING THIS, BECAUSE YOUR WEBSITE ERASED MY TEXT WHEN I TRIED TO SUBMIT IT THE FIRST TIME ) False and misleading messaging in an email from Discover Card. 

Discover card sent me an email stating they had " Received my payment! '' I owe Discover card {$63.00} this month. 

I have not had more than {$30.00} in my checking account this month. 
Therefore it is mathematically impossible that they have " received my payment ''. 

I contacted my bank, XXXX, and inquired if payment had been made. They informed me there were no processed or pending transactions for {$63.00} to Discover. I contacted Discover, spoke with no less than 3 support agents, and was informed that they had received a check with my name and checking account debit information on it. XXXX informed me that they had not issued such a check. I suspect this was a pre-produced check authorized as part of a paydown plan, which I vaguely recall having agreed to. 

Regardless, a check / authorized debit attempt is not a " payment ''. It is a payment attempt. Payment is not made until it has been processed by my bank and debited from my account. Discover cards email messaging should reflect this accurately, and not offer misleading information that leads me to believe I have made payment and don't need to worry at the moment about ensuring I have sufficient funds.
Complaint sub-issue: Reporting company used your report improperly

My credit report has accounts reporting that should not be reporting on my consumer file under 15 USC 1681 and 15 USC 1681b. I have tried to communicate with these companies to resolve the problem and I have not received a response. I am suffering mentally and under the Fair Debt Collections Practice Act my rights are constantly being violated.
Complaint sub-issue: Account status incorrect

I feel like the credit bureau has been working against me as a XXXX man all my life my credit score got to XXXX then they dropped me XXXX points out of the blue in XXXX of 2021
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I made a large payment in the amount of {$1300.00} to my Citi account and my credit limit was lowered from {$5000.00} to {$3200.00} immediately following my payment resulting in a 5 point decrease in my credit score. Had the limit stayed the same, my credit would have improved as it had done with my making on time minimum payments. My attempt to improve my credit actually made it worse. I want to pay down my debt without taking hits to my credit due to higher than normal payments. I am being held hostage to interest payments over a longer period in order to improve my credit. What Citi has done is not fair to me. I have been praying my bill as agreed since 2013, never missing a payment and they penalized me for trying to pay down my debt with them. This is plain wrong. How can I improve my credit without spending thousands MORE in interest on my high balance? The fact that they did this only after I made this large payment is fraudulent, predatory and goes against their advertising of treating customers fairly. They gave me a limit and penalized me for using it. It is wrong. What kind of relationship exists between Citi and its customers? I have been loyal to Citi spending thousands of dollars in interest with them to keep the benefits I enjoyed! I am as loyal as a customer can be. I feel betrayed by a bank I thought I could trust. They do not care about the customers credit experience. I am only a system generated credit card number where some algorithm determines that my credit payment history with Citi doesnt matter and to further penalized me for doing the right thing by paying down a balance to help improve my credit. Had I made another minimum payment, my credit likely have continued to improve. I am disappointed in the disloyal decision.
Complaint sub-issue: Attempted to collect wrong amount

I switched carriers for my cell phone in the last month of my contract. The plan was supposed to pay down the penalty every month for early termination. I was only to pay {$50.00} if anything, {$10.00} per line plus my balance which was approx {$350.00}. I got my bill showing an {$800.00} balance and when I called to talk with someone at XXXX XXXX XXXX they hung up on me numerous times while transferring me and then told me my plan had changed but could n't give me specifics. Now my credit report is reflecting XXXX XXXX accts for the same amount and XXXX for XXXX wireless which is the same acct. how do I get this resolved? It shows I owe over {$2500.00} for an {$800.00} balance because XXXX separate reports.
Complaint sub-issue: Debt is not yours

I received a letter from USI Solutions stating that I owe XXXX XXXX XXXX XXXX {$8800.00}. I have never had a XXXX card aside from my XXXX gas card which carries a XXXX  balance. There is no record of any of this on my credit report and I have contacted XXXX on XX/XX/2018, they state there is no record of any credit with them other than the XXXX card. I have not contacted USI because I am afraid that once I do, the harassment will start. Reading about them on XXXX, they have a reputation of abusive behavior towards callers and trying to collect bogus debt. I would appreciate your assistance in this matter.
Complaint sub-issue: Account status incorrect

XXXX has been paid in full. The company website has no way to attach receipts of payment.
Complaint sub-issue: Didn't receive enough information to verify debt

I received a negative credit score, so I disputed the collection because I did not even know about this amount owed or to who. Impacting my credit was the first I heard of it. In attempt to call the company Sarma Collection as shown on my credit report it shows as scam.

The debt disputed was approved and removed, but today it came back up and impacted me at -64 points for a balance of {$130.00}. 
I tried calling the collectors and no response. 

I am in the process of buying a home and this is impacting my home purchasing process. 

Please help. This credit collector for medical violated my rights by not informing me of such bill or a way to stop this from affecting my credit. I am up to date with anything else I owe and had a XXXX credit score before this.
Complaint sub-issue: Was not notified of investigation status or results

I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE ACCOUNTS THAT DON'T BELONG TO ME I AM INCLUDING A LETTER OF EXPLANATION
Complaint sub-issue: Information belongs to someone else

These are not my accounts, addresses and names on my profile.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the account on XXXX XXXX XXXX XXXX multiple times with Equifax. They continue to keep this account on my credit after validation request was not provided. There was a couple of times that I did not get a response in timely manner from Equifax. I have given Equifax information that XXXX has not provided validation of the debt and the other credit agency 's have already deleted this from my report but Equifax continues to state this is validated and it clearly has not been validated.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My credit was pulled without my consent
Complaint sub-issue: Information belongs to someone else

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. I am a victim of false & inaccurate reporting. I have disputed many times & they continue to verify accounts that dont belong to me. XXXX is the only reporting agency who seen I was being taking advantage of and deleted all accounts in my dispute. So if XXXX couldnt verify these same accounts, I will like to be supplied with the investigation process XXXX and XXXX used to verify these accounts. They've furnished 3 accounts that dont belong to me on my report with out proper investigation. Two of which states that I have a collection account with XXXX XXXX  and XXXX XXXX  doesn't own that debt! So those accounts need to be removed immediately because its entirely false. And a XXXX XXXX XXXXXXXX account that I will need proof for as well. I will attach below.
Complaint sub-issue: Debt was paid

This account was agreed upon a set amount to be paid to the creditors which i pay the same day we all had disused. The payment was made on the ( XX/XX/17 ) but this creditor refuse to remove it from my credit report even after sending letters, calling and asking them to remove this account as we all agreed on that they was going to remove it once i paid. I don't understand why they are doing this but is really stressing me out because, of the damage this is causing my credit.
Complaint sub-issue: Reporting company used your report improperly

XXXX Bill ( A Medical Collections Bill ) was reported on my collections in the amount of {$120.00} to the account in XX/XX/2020.

According to the law that all three bureaus -XXXX , XXXX  , and Equifax ( see attached document ), the bureaus need to wait 180 days ( 6 months ) before adding the record to the consumer 's credit report.

Instead of waiting for 180 days, the bureaus reported the medical collection within 30 days. I was getting ready to apply for a home and my score tanked about 70 points.
Complaint sub-issue: Problem with statement of dispute

I have disputed several accounts on my credit report with Equifax several times. I first disputed with the original creditor XXXX and after 3 letters did not receive any correspondence with proof. I sent copies of the letters and certified mail receipts to the credit bureau but they continue to verify these debts without copies of any proof with my signature. A statement of dispute was also never put on my credit report. The bureaus only continue to update the accounts associated with these creditors.
Complaint sub-issue: Information belongs to someone else

Tuesday XX/XX/2022, I woke up to an alert from the credit agency a collection account had been put on my report. I notified Equifax, since its only reporting to them, of the account is a fraud account, I disputed the account online and several times on the phone with multiple agents who do not want to be bothered. they clearly see I am a fraud victim. I notified the company that put the collection account as well. I was told by Equifax I had to wait 30 to 45 days to complete. I do not feel this is right reporting inaccurate information on a fraud victim. The fraud department said it would be removed within 24 hours from Tuesday. It has not been removed they give me the run around they throw me around to different departments back and forth. they do not want to be bothered with the fact, yet another fraud account has hit my report. I pay for memberships ; I lock and freeze all agencies so no one can add fraudulent information. Since Tuesday the XXXX I have been spending hours on the phone with Equifax trying to get this resolved. I am asking to remove this collection account, as I already spoke to the collection agency as well advised it was fraud and to remove this account. it is not my account ; Equifax has the documents sent in that this is not my account. Please remove this account from my report as it is not my account and does not belong on there.
Complaint sub-issue: Their investigation did not fix an error on your report

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX COMPANY ) XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX A ) XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was paid

Me and my mother had this as a joint loan and my mother settled it and paid it off.
Complaint sub-issue: Reporting company used your report improperly

i have asked numerous times for a signed contract of this account. i have no knowledge of this account and did not open it with XXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX has report 5 miss payments while I was in bankruptcy. I have contact them through email 3 times ( XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX ), by phone once ( early XX/XX/XXXX ) and certified mail ( XX/XX/XXXX ). I have contacted the equal fax and XXXX ; which XXXX decided that the miss payments were made on different months. The new dates are for miss payment are nowXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.XX/XX/XXXXThese payments were made in good faith and our lawyer told us that we could pay them monthly by check or wait until the end of bankruptcy. Our case number is Case No. XXXX. Payments would have been paid on time if we receive a bill, could pay online or over the phone, but all bills had to be pay by mail. We file for bankruptcy inXX/XX/XXXX and were out XX/XX/XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

ALL 3 credit Bureaus have been made aware via certified mail. 
Sent in FTC report via XXXX XXXX mail and filed to credit bureaus on XX/XX/XXXX FTC Report Number : XXXX I am a victim of Identity theft. This is my official statement about the crime. 
Contact Information First Name : XXXX Middle Name : XX/XX/XXXX Last Name : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Email : XXXX I did not consent to nor authorize or benefit from following fraudulent accounts below. Please lock and remove them immediately. XX/XX/XXXXXXXX XXXX XXXX XXXX Accounts Affected by theXX/XX/XXXX Opened by the Thief Company or Organization : Inquires Total fraudulent amount : {$0.00} Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police.
Complaint sub-issue: Information belongs to someone else

I have incorrect information on my credit file as a result of identity theft : - XXXX XXXX XXXX XXXX - XXXX  - OPENED XX/XX/2019 - BALANCE {$1400.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax is reporting the following inquires that are not authorized by me. I contact the companies and they told me to contact Equifax. Equifax stated I have to file a report with you. 

The following inquires are not authorized : 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 XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX : Every time I dispute something they lower my score, while the others raise it. They have incorrectly disputed items and companies I did not select ; and they're the only one of the three. They dont take my card holder status on a XXXX XXXX account into the utilization ratios, and theyre dinging me for old bad debt that was charged off and sold to unscrupulous collection agencies that were found at fault and removed quite some time ago from all three reporting agencies. Their reporting patterns are arbitrary and inconsistent. They are clearly blacklisting me ... theyre the only company I can not contact easily and say this or that doesnt add up, and if correct, have it adjusted. 

And Discover ... theyre application system dropped my application twice, they admitted, dinged me with hard inquiries, denied me credit, and then refused to remove the erroneous inquiries due to the i system failures. 

XXXX, I called them and their collection department several times, and could NEVER get a call back, when I did reach a person, they would it accept money from me to settle the account ; they passed me off to another department that sent me back to the original department I came from, and then was rendered back into automated XXXX, left yet another message for the account manager, which never gets returned. But yet, they suddenly updated my report for 20 some odd months of Charge Off status when there wasnt any updates over those months and then plummeted my score again. 

What is wrong with these people? It takes a certain type to ruin people ; to be in a role to make everyone as whole as possible, yet behave in ways that are contrary to the espoused theories. 

Im beyond frustrated witXXXX XXXX Discover, and XXXX. I have absolutely NO recourse other than to suffer, or spend all my time, far more than the countless hours I already have, to keep calling, using online forms and writing, in hopes of finally reaching a bright and intelligent individual capable of reading and applying logic, able to feel and reach within the human aspects of the self, and ALSO has a modicum of clout. Good. Luck.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I, the natural living person, am notifying the CFPB of the billing error on the accounts I have with Citibank. I received a statement from Citibank stating that if there are any issues with the statement, to notify them within 60 days. I have already requested documentary evidence that I owe Citibank, and they have not provided that. I understand under 12 CFR 1026.13 ( 6 ) that it is in fact a billing error when the consumer requests additional clarification which includes documentary evidence. Citibank is still stating that I owe them, when in fact, they haven't provided any documentary evidence to prove that. I have notified them that I, in fact, am aware of this billing error and it needs to be corrected. I provided them with a billing error notice, explaining to them that I have reasons to believe that there is a billing error, and included the amount of the error that exists. As of right now, this billing error has not been corrected and Citibank continues to create more billing errors on my account. Citibank has also closed the XXXX accounts I have with them due to nonpayment when I have advised them that there is a billing error. Citibank is prohibited from closing accounts or taking adverse action when the consumer notifies them of a billing error, which is also under 12 CFR 1026.13 ( d ) ( 3 ).
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2018, I received my new Sears Mastercard, number XXXX, in the mail and disputed a charge for {$2200.00}, made at a Sears store in XXXX, California on XX/XX/2018. The dispute was made via telephone. I never received a confirmation of the dispute, so I filed a duplicate dispute on-line the following day. The basis for the dispute was that Sears delivered a non-functional/defective electronically adjustable ergonomic bed-set. The bed-set was purchased to address my physical XXXX. 

Sears Mastercard responded to the dispute with a letter dated XX/XX/2018 ( attached ) requesting additional information. Specifically, The date and method of return, a copy of the return receipt or credit voucher, an explanation and a copy of the merchants refund policy. I replied with my letter dated XX/XX/2018 ( attached ) and I included copies of the receipt/contract which detailed the return policy, salescheck number XXXX, attached. I also included the transaction print-out, salescheck number XXXX, which XXXX ( a store manager ) gave me on XX/XX/2018, when I attempted to return the merchandise to the store in person. That day, XXXX refused the return and instead referred me to the Sears National Customer Relations line XXXX. I subsequently telephoned the line and told XXXX I wanted to immediately return the defective bed-set. She gave me case number XXXX and told me someone would contact me. To date, no one has contacted me. Two other people witnessed my attempts to return the merchandise. 

Sears Mastercard investigated the dispute and reversed the charge, see letter dated XX/XX/2018, attached. Then suddenly and without providing any additional evidence, Sears Mastercard arbitrarily overturned their decision in their letter dated XX/XX/2018, attached. The reason for reinstating the charge was, you did not provide proof that you returned the merchandise to the merchant. Indeed, considering the evidence the only reasonable conclusion is Sears Mastercard did not evaluate the dispute in good faith as required by law and reversed their decision because of their financial symbiotic relationship with Sears. I am therefore, requesting the Consumer Financial Protection Bureau to intervene on my behalf.
Complaint sub-issue: Received bad information about your loan

In XXXX, I called Discover and asked for repayment assistance on my student loan. Discover offered no repayment assistance and the customer service representative gave me false information, saying I could " pay one account at a time '' because " Discover doesn't report late payments to credit agencies. '' This false information clouded my understanding of their payment policies. On XX/XX/XXXX, after bringing my account current with a payment, I realized that my XXXX credit score decreased by 103 points, even though I've made 22 on-time payments. 

Discover 's zero-tolerance policy for repayment assistance and misinformation about payments and credit reporting severely damaged my credit rating.