Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Add-on products and services

I have had a Discover Card since XXXX and I will admit that I am not always the best at thoroughly reading through my statement. I was reviewing statements recently and saw that I am being charged for Discover Payment Protection on a monthly basis. This is a program that I never authorized my enrollment into. I have since checked all of the statements that Discover has for my account online ( they only have back to XX/XX/XXXX ). Totaling up all of the charges I was charged an overall amount of {$1100.00}. This is just the last 2 years. I called Discover on XX/XX/XXXX once I came up with this total and spoke to a representative named XXXX who told me that I started getting charged for this service about 3 months ( since 2010! ) after I opened the account. I questioned how it was that they enrolled me and she said that they had previously sent out letters asking for authorization to enroll their card holders. I informed her that while I got those letters I did not sign that I was authorizing my enrollment, so how is it that Discover enrolled me anyway. She then informed me that she would cancel my enrollment and reimburse me for the last 3 charges. I asked why I was not being reimbursed for the total amount that I was charged and the response that I got was that I would not be reimbursed the total amount because the letters they sent out were what enrolled me in the program, therefore I should have known that I was being charged. I again asked how a letter that I did not sign ( and at no point did they get verbal authorization from me either ) gave this company the authority to enroll me in this program. She was unable/unwilling to answer this question and was not able to direct me to anyone else within the company whom I might talk to about the issue.
Complaint sub-issue: Information belongs to someone else

I have reached out to this company numerous times to no avail. Ive made phone calls and sent various emails. They are reporting an account which is fraudulent and does not belong to me.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX, 2017 Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX RE : CREDIT COMPLAINT LETTER To Whom It May Concern : I am writing to file a complaint against XXXX XXXX XXXX, XXXX, XXXX, Equifax. <P/>For the last 2 months I have filed more than 2 disputes against XXXX XXXX XXXX, reporting of my car loan balance and as of this 60+ day mark the issue has not been resolved. <P/>I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with XXXX XXXX XXXX to date. Today I received another letter from XXXX stating that XXXX XXXX XXXX has properly investigated my balance and is still reporting my balance as {$19000.00} since XXXX 2017 ( recently updated in XXXX the same balance. I also received an alert from XXXX that my balance is {$19000.00} and has been so since XXXX, 2017 I continue to send the same documentation to the XXXX, XXXX and Equifax ; I have called XXXX XXXX XXXX and the representative was clear that my balance is not {$19000.00} as being reported by the company to the credit bureaus and the credit bureaus are not reviewing the documentation as they are supposed to. Enclosed I have copies of my auto loan statements from XXXX, XXXX and XXXX as you can see the statement dates are the XXXX of the month and no not show a balance of {$19000.00}. According to the FCRA I have a right to an accurate credit report and this is not accurate. If the credit bureaus refuse to report the information properly then I have a right to damages for non reinvestigation. <P/>I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. <P/>Thank you for your assistance. <P/>Sincerely, XXXX XXXX
Complaint sub-issue: Overdrafts and overdraft fees

I just wanted to correct a dollar amount from my 1st complaint I filed in XXXX that I mentioned in the new XX/XX/XXXX account number XXXX I said that est {$4000.00} was returned to me but it was est {$400.00} sorry for the mistake
Complaint sub-issue: Information belongs to someone else

I am the victim of ID theft and have had nothing but problems with equifax and no other bureaus. Recently I can not even use my lock and alert account but that is in another complaint. I sent equifax my ID theft affidavit and police report and letter and Id 's to block fraudulent information on my report which they finally did to two of the accounts. However one account remains. This account is ridiculous and I have disputed it at least 15 times over the past few months. Every time it comes back with different late payment amounts, account status from charge off to paid, 15 missed payments to 19 then back to 0. Not  only are they obviously reporting incorrect information, the information is not even mine!!!!!!
Complaint sub-issue: Public record

I have disputed the public record and it was deleted due to being wrong and Equifax listed it again with less information before after it was removed. I also have several other account that i disputed errors and they removed them only to add them back without no response in the mail. I called them to get more information on why they did so and they rep told me that they were correct and verified. I asked why didnt i get a letter to let me know the results when they were re added to my report and he stated they dont have to notify anyone once items are reinserted back on your report. Also i inquired about an auto loan that i am not reliable for and i asked if they could send me the contract to verify that i was on the account and he told me to get it from the actual company. I got the contact information from him to contact he company and when i called they informed me that since the account isnt in my name i am only associated with the account holder by residency i could not get paper work on the account sent to me. 
Judgement # XXXX no date, court name or status reported. 
XXXX XXXX # XXXX No response from company reinserted XXXX XXXX # XXXX no response back from credit bureau reinserted XXXX # XXXX the account that i cant get paperwork on because i am not on the account. 
XXXX # XXXX No contact information listed after reinsertion
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX # XXXX, XXXX XXXX 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 instruction.
Complaint sub-issue: Reinserted previously deleted info

Equifax agree on XXXX/XXXX/2014 to remove the account from XXXX XXXX XXXX and Simply XXXX. However when I checked my credit report last week this was still on my credit report as a collection. I have attached the case XXXX where they clearly stated this account would be removed.
Complaint sub-issue: Funds not handled or disbursed as instructed

I closed my COINBASE account XXXX/XXXX/2022. It was not disclosed to me that I would also be closing my COINBASE XXXX  account. I was also never prompted to withdraw the $ XXXX USD in my COINBASE XXXX account. The company closed my COINBASE XXXX account and pocketed this money. They are now feigning ignorance so that they can keep the money, despite multiple attempts to resolve the issue.
Complaint sub-issue: Was not notified of investigation status or results

I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from Equifax and XXXX throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.
Complaint sub-issue: Information belongs to someone else

My credit bureau scores dropped over XXXX points after I was incarcerated in XXXX I was the victim of ID fraud. 

There are dates of inquires that could not possibly have been made by myself as I was incarcerated. The bureaus are not removing these hard inquires. I did not approve nor make these inquires. mortgage inquires are counted as one Inquiry during a 30-45 period on one 's credit report. I have at least three inquires that are reported as mortgage-related. 

Mortage credit hard inquires on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, are false and would still only count as ONE inquiry If I had actually made the inquiries. 

ALL THREE CREDIT BUREAUS REPORT HARD INQUIRIES THAT WERE FRAUDULENT and the RESULT OF ID THEFT. I DID NOT MAKE THEM. I HAVE PROVIDED LEGAL DOCUMENTATION FROM THE DOJ AND FEDERAL DEFENDERS OFFICE TO NO AVAIL. 

I HAVE CHANGED ALL CREDIT CARDS AND NOTIFIED MY BANK THIS PAST XXXX. XXXX.
Complaint sub-issue: Investigation took more than 30 days

I provided a letter to the XXXX back in XXXX and for some reason, it has taken more time than it should and this information is incorrect on my report. Since it has taken more than 30 days the law states that these items should be deleted asap. I have provided my identification along with supporting documents showing that I am the one disputing these items. It is unfair that these items are affecting my personal ability to move forward in life.
Complaint sub-issue: Their investigation did not fix an error on your report

When I Stayed At  XXXX   XXXX   XXXX   Under Sec 8  They Tryed To Stop Me From Moving Unless They Filed An Eviction.I Took Them To Court And Judge Gave Me  15 More  Days To Move. I Did But When I Got My Sec Dep Report They Put On It Misc Owned And A Price Of   XXXX   XXXX  .When I Asked To Explain Tat Mic Charge Required By  Law.2 y rs Later When I Wanted To Move I Found Out They Placed This On My Credit Report Causing A Problem In Me Moving. I Sent Many Documents To Equifax But They Kept Telling Me That They Needed More I Did Not Understand. I Called Them Saying I Sent You All The Documents I Have And Can not Send Anymore.They Sent Me A n E ma il Saying Now I Had To Send Them A Fed Document And That They Will Not Accept Any Other Documents.I Sent All The Papers I Had Yet They Really To Me Have Yet To Investagate To Me. I See Where It Was Removed Twice By  One Credit Agency Yet Equ ifax Placed It Back On My Credit Report Knowing That It Was Removed Removed.I Asked Her Why She Said We Can Do That .Even If The Other Agencies Removed It I Said WHY? NO  ANSWER.Even Doc Bill That Are Not {$200.00} And Up Are There Too.Obama Changed That.They  Seem To Do Not Care How Much INFO You Give They Want You To Pay For A Credit Repair Agency No Matter What.
Complaint sub-issue: Need information about my balance/terms

Fed Loan Servicing is currently reporting false and incorrect information to XXXX, XXXX and XXXX. I have sent Fed Loan a certified letter over 30 days ago to validate this debt and to this day they have n't replied. I also have called several times to the # listed on my credit report XXXX and have received they no longer have this account and can not give me any information on this account BUT Fed Loan is verifying and updating to the credit bureaus the last two times I disputed. How can this be if when I 'm calling they have no information to give me? Also this account is over 7years old from. Per FCRA if this account is not removed ASAP I will file a lawsuit.
Complaint sub-issue: Problem getting your free annual credit report

Wrote to Equifax requesting 2020 free credit report requesting corrections of removing negative items over 7 years in XXXX and they just ignored me and violated my rights by 1 ) NOT sending my FREE Report 2 ) Refusing to remove items of negativity XXXX yrs according to Texas and 7 years I assume since I did not receive in 2020 Still today XXXX  has NOT sent me any credit report which violates my rights and affects my buying power at the correct APR and affects my score. This is not fair to the consumers they have caused my credit score to be incorrect affecting my buying power and APR. With all the negative items I should have been at or close to score of 750 or more and they have caused me to pay more interest for a purchase because of their neglect to remove negative items my score was incorrect and I was charged a higher interest rate. 

What do I do to get compensated for having to pay more probably $ XXXX interest when it should have been less interest if my score was correct? 

So what happens now since they have violated my rights and how does all of this get resolved including getting the {$4000.00} plus back for them not correcting items and removing items for my score to have been corrected. 

Sincerely, CP XXXX Attachment : XX/XX/2020 XXXX
Complaint sub-issue: Information belongs to someone else

on XX/XX/XXXX I contacted all 3 credit bureaus to complain of fraud against my credit because 2 bills showed up on my credit from XX/XX/XXXX that do not belong to me. There is no contact on file signed by me and I requested this be investigated and removed from my credit permanently and I haven't heard anything back from any of these companies. Please remove these items from my credit because its keeping me from getting new credit and these accounts don't even belong to me. There shouldn't be ANY negative items on my credit report as I have paid off all bills I owe on time.
Complaint sub-issue: Was not notified of investigation status or results

I have filed a dispute in regards to the incorrect item on my credit report. It has been over XXXX  days and I haven't received any investigation results.
Complaint sub-issue: Trouble with how payments are being handled

After submitting income based repayment application, nelnet wants to increase my payment, even though my income is the same from last year.
Complaint sub-issue: Information belongs to someone else

There is a bankruptcy reporting on my credit report that does not belong to me and is causing me a hardship with obtaining credit.
Complaint sub-issue: Was not notified of investigation status or results

on XXXX I sent a letter regarding inaccurate and unknown things on maybe credit report to this day over 45 days later I have not received a response yet. I feel like im. being taken advantage of and being ignored of my disputes Section 611 ( a ). its plainy stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got into there hands of the wrong person
Complaint sub-issue: Account information incorrect

DISCOVER IS REPORTING A LATE PAYMENT FOR THE MONTH OF XX/XX/2020. THIS IS A COMPLETE ERROR AS I PAID THE ENTIRE ACCOUNT BALANCE ON XX/XX/2020. THEREAFTER, I WAS EVEN GIVEN A INTEREST REFUND. HOW CAN I POSSIBLY BE LATE AND THEY GIVE ME A REFUND? I HAVE ATTACHED A COPY OF MY DISCOVER STATEMENT TO SHOW PROOF. PAGE 3 UNDER THE TAB " TRANSACTIONS '' WILL SHOW WHEN I MADE THE PAYMENTS AND WHEN I GOT THE REFUND.
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 XXXX Account # XXXX XXXX  XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXXXXXX Account # XXXX U S DEPT OF EDXXXX Account XXXX XXXX and XXXX U S DEPT OF ED/XXXX  Account # XXXX and XXXX U S DEPT OF ED/XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # 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 a 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: Information belongs to someone else

Upon reviewing my updates, incorrect information is being presented to my personal credit file. The Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

I have been patiently waiting on the EQUIFAX 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 inquiries reporting on my Credit Report : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX - XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX, XXXX  Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX - XXXX  Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX/XXXX  Inquiry Date XX/XX/XXXX ;
Complaint sub-issue: Their investigation did not fix an error on your report

on XX/XX/2021 I have recently reviewed my credit report and notice there are items reporting that I have no knowledge of, I never had any consumer transaction, credit extended, or authorized doing any business with the companies, as a matter of fact, I was never notified that these items were going to appear on my credit report, I have sent you a letter of my concern of the misleading, untrue, inaccurate and unproven items on my credit report but I have not received a response for you yet, I had concerns because I was impacted by Equifax data breach, I'm positive this is a violation of my consumer rights
Complaint sub-issue: Account status incorrect

CFPB THIS IS NOT A DUPLICATE :
Complaint sub-issue: Trouble getting a working replacement card

I have never used the card and my first direct deposit was supposed to be loaded onto the card on Friday XXXX XXXX. On Thursday XX/XX/2019 I started to get text alerts around XXXX XXXX  that all kinds of charges were being made from that card. I looked to find out my card was not in my possession. I immediately called to report the card stolen. It's been since last week and they still won't issue me a new card and still won't credit back the amount taken from me which was over {$300.00}. I need to access the funds so I can pay my rent. Otherwise I face becoming homeless.
Complaint sub-issue: Investigation took more than 30 days

I submitted a dispute letter regarding a late payment on XX/XX/2020. I then followed up with another letter XX/XX/2020 because I didn't recieve a response. To my knowledge, the company has 30 to 45 days to respond to my dispute. They are in clear violation of the fair credit reporting act. I understand that we are in difficult times but this account has to be corrected.
Complaint sub-issue: Funds not received from closed account

I have a CD with TIAA Bank, XXXX XXXX XXXX XXXX, XXXX, FL XXXX The maturity date was today, XX/XX/2022. On XX/XX/2022, I gave online instructions to close my CD on the maturity date and deposit into my money market account. That has not been done. I noted that they say it can take 3 business days in order to give me my money. Since it matured on a Friday, I am penalized with the week end and it will take me close to a week ( if I am lucky ) to receive my money. Is this legal? Are they in financial trouble? To make matters worse, my CD will now be earning XXXX while their money market account XXXX. 

Please let me know if they are permitted not to honor the terms of the certificate of deposit that matured today.
Complaint sub-issue: Their investigation did not fix an error on your report

Obviously I've been a victim of fraud, therefore I have disputed un- authorized inquires to no prevail. The credit reporting agencies, XXXX, XXXX, and Equifax all have took opposition approaches in contradiction to the rules of law stated in the FCRA. It clearly states that when a consumer finds inaccurate information on his / her report and disputes it, them companies are to provide physical documentation or else the so called account shall be removed. However, the above credit reporting agencies investigation only updated my report without physical verification whatsoever. Therefore and rightfully so, I'm requesting for the removal of the following un-authorized inquires to be removed. ( 1 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ( 2 ) XXXX/XXXX XXXX ( XX/XX/XXXX ), ( 3 ) XXXX XXXX ( XX/XX/XXXX ), ( 4 ) XXXX XXXX ( XX/XX/XXXX ), ( 5 ) XXXX XXXX ( XX/XX/XXXX ), ( 6 ) XXXX XXXX ( XX/XX/XXXX ), ( 7 ) XXXX XXXX ( XX/XX/XXXX ), ( 8 ) XXXX XXXX XXXX ( XX/XX/XXXX ), ( 9 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ( 10 ) XXXX XXXX XXXX   ( XX/XX/XXXX ), ( 11 ) XXXX XXXX ( XX/XX/XXXX ), ( 12 ) XXXX XXXX   ( XX/XX/XXXX ), ( 13 ) XXXX/XXXX XXXX ( XX/XX/XXXX ), ( 14 ) XXXX XXXX ( XX/XX/XXXX )
Complaint sub-issue: Information belongs to someone else

Hello, I am a victim of Identity Theft and have already reached out to all 3 of the major CRAs as well as XXXX XXXX XXXX. I have also ailed all major CRAs as well as their registered agents they are associated with. I have never entered a consumer transaction with XXXX XXXX XXXX XXXX or XXXX XXXX XXXX.
Complaint sub-issue: Account information incorrect

In XXXX of XXXX, I took a XXXX dollar 84 month installment loan from XXXX XXXX through XXXX XXXX XXXX. I used XXXX dollars of the XXXX loan to make purchases at XXXX XXXX. After making the purchase I received a coupon book with 84 payment coupons for a payment of XXXX dollars equal per month payment with my final payment is XX/XX/XXXX. Some months I made more than the XXXX dollars in an attempt to pay off the loan early and have paid off a substantial amount. To date, I have XXXX dollars remaining on the outstanding loan with on 30 of the 84 payment coupons remaining. XXXX/XXXX XXXX has reported to the 3 credit reporting bureaus negative information on this account stating that it was past due when In fact I am actually ahead on my payments. I would like your assistance in having these negative items associated with this account and companies removed from my credit report.