Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem

On XXXX-18 I contact discover to set up a check for {$220.00} with my account with XXXX. I contacted Discover on XXXX-18 advising them that they could pull the check and run it that day and that I had closed my XXXX account and provided them with my new checking account. 

Discover then processed the {$220.00} twice. Once from the XXXX account and again from the new account. I contact Discover and spoke with XXXX XXXX on XXXX-18 at XXXX XXXX. She advised that although I did tell them that the account was closed and the rep should have transferred the call to their supervisor it was not their issue for running the check because I only said the account was closed instead of pull the check and that this was not their fault because the rep was using a different computer system. 

This is a blatant breach of both federal and state law. I want the U.S. Attorney 's office to investigate Discover for possible criminal charges and for Discover to pay damages for their negligence.
Complaint sub-issue: Reporting company used your report improperly

You are reporting these collections as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Complaint sub-issue: Didn't receive notice of right to dispute

My name is XXXX XXXX I got notified by XXXX XXXX that lg ross was now listed on my credit report. this has caused much damages. never received notice from lg ross. they are collecting from a XXXX XXXX  account that was fraudulent. Please have them remove from my credit report
Complaint sub-issue: Their investigation did not fix an error on your report

Disputed account with Equifax on XX/XX/2018 asking for method of verification. Previously account was noted as verified by Equifax. I contacted original creditor, XXXX on XX/XX/2018 regarding verification of account requesting original signed documentation. Response letter just restating what is on report - XXXX did not send proof of verification. Original creditor unable to provide adequate verification. 
-Equifax has not conducted 'reasonable ' investigation. 'Parroting ' original creditor.

-Equifax reporting inaccurate information to credit report. As noted, Equifax reporting payment activity beyond date of last payment.

It is believed that Equifax is in violation of FCRA regulations.

It is believed that original creditor may be in violation of FCRA regulations.
Complaint sub-issue: Account information incorrect

My credit usage and balances went down and Equifax dropped my credit score XXXX XXXX There is also a fraudulent account XXXX XXXX XXXX that remains on report after disputing with identity theft report and police report.
Complaint sub-issue: Account status incorrect

XXXX  XXXX XXXX XXXX XXXX XXXX has ERRONEOUSLY reported late payments for the months of : XX/XX/2017, XX/XX/2017, XX/XX/2017, XX/XX/2017 & XX/XX/XXXX. I have contacted XXXX and they confirmed the received of my payment for those months and the late payment remarks have not yet been corrected. Attached please find copies of my payments accepted by XXXX  XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I REAPEAT THAT THIS IS NOT A REQUEST FOR VILADATION AND THIS IS NOT THE SAME ISSUES RAISED IN PREVIOUS COMPLAINT. 1 ) Article 9 of the UCC under SECURED TRANSACTIONS does not cover assignments or rights of transfers for the sole purpose of collections. 2 ) There is no CONTRACTUAL OBLIGATION between I the consumer and US DEPT OF EDU Account # XXXX. XXXX ) I as a consumer have the RIGHT TO PRIVACY pursuant to Title 15 USC 1681 ( a ) ( 4 ) - ACCURACY AND FAIRNESS OF CREDIT REPORTING, and the US DEPT OF EDU Account # XXXX, XXXX, EQUIFAX and XXXX VIOLATED MY PRIVACY. ALSO, US DEPT OF EDU Account # XXXX, VIOLATED 15 USC 1692c ( a ) -COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the EXPRESS PERMISSION OF A COURT OF COMPETENT JURISDICTION, a debt collector may not communicate with a consumer in connection with the collection of ANY DEBT, I as the consumer never gave PRIOR CONSENT to US DEPT OF EDU Account # XXXX ( BOTH ACCOUNTS ) TO COMMUNICATE WITH I THE CONSUMER NOR FURNISH ANY OF THESE FRAUDULENT ACCOUNTS ( XXXX - XXXX ) TO MY CONSUMER REPORT. I'm enforcing my rights and demanding US DEPT OF EDUCATION ACCOUNT # XXXX CEASE COMMUNICATION pursuant to title 15 USC 1692c ( c ). I demand BOTH accounts XXXX be deleted Immediately from all 3 consumer reporting agencies or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 USC 1681n and title 15 USC 1681o ) regarding the continued willful and negligent noncompliance.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

Account : XXXX VIN : XXXX - 2019 XXXX XXXX XXXX XXXX : I am writing to you in hope to get some help! 

End of my lease on a vehicle from VW Credit , Ltd and paid off was sent over 9 weeks ago and have not received my title! 
How does a company such as VW is not held accountable for their actions, when received consumers fund and not processing the rightful owners title in a timely manner? 
Attached please see the documents that reflect my complaints. 

What would happened to many consumers who do not have the means nor the language ability to reach out for help and protection? Where do these consumers stand? and who will speak out on their behalf? 

Many thanks in advance for taking to time to view our concerns. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX GA XXXX XXXX
Complaint sub-issue: Having problems with customer service

I had XXXX student loan under Discover Student loans in XXXX XXXX. I submitted graduate school deferment paperwork in XXXX of XXXX. Discover claimed to have lost my paperwork in XXXX of XXXX after multiple calls to confirm status. After paperwork was resent, it took until XXXX of XXXX for my account to officially say it was in deferment, with weekly calls from me. I was repeatedly assured that the deferment status would be retroactively applied to my account so my credit would not be affected. My credit report says I have a missed payment on this loan, but I never missed a payment. Discover never retroactively put me in deferment for the XXXX and reported me as having a late payment on my loan. I disputed this charge with the lender in XXXX and it was removed, but has reappeared on my credit report as of XXXX.
Complaint sub-issue: Information belongs to someone else

Enhanced recovery place a collection account from XXXX on my credit report I put in a dispute with XXXX  and let them know it was a case of fraud but they didn't remove the account. This account doesn't belong to me someone used my name without my permission.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/2020 [ AMERICOLLECT INC ] add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA MERCHANTS CREDIT GUIDE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Complaint sub-issue: Problem with customer service

I contacted XXXX for a second time on XX/XX/XXXX, requesting information on what I need to do to remove the cosigner from my loan. They responded XX/XX/XXXX that they would need 7-10 business days to review that I had made 24 on time payments, which I have and an additional 3 to send a form. As of XX/XX/XXXX, I have received nothing from them.
Complaint sub-issue: Information belongs to someone else

My wife and I are trying to buy a house so today XX/XX/20 the agent that we are working with ran our credit to see what amount we qualified for however, when my report came back there were about ten accounts with negative history that are not mine. I looked through each account and I did not open any of them. There were also many credit inquiries that were not made by me. I have never allowed anyone to open any account in my name nor did I ever give those companies permission to run or access my credit. I do not know who is responsible for all of these accounts and inquiries that are in negative standing on my credit report but I have already filed a police report and a complaint with the consumer financial protection bureau as I did not gain anything from these accounts nor did I ever contribute to any payments made towards these accounts.
Complaint sub-issue: Account status incorrect

FOR XXXX XXXX AND XXXX XXXX WE DEMAND XXXX AND THE CREDIT BUREAUS REMOVE THE DERAGORY ACCOUNT STATUS ON XXXX XXXX AND EQUIFAX AND THE REPO COMMENTS WHICH ARE BOTH INACCURATELY REPORTING. 

LOAN PURCHASED XX/XX/XXXX. WE ALWAYS PAID OUR MONTHLY PAYMENT ON TIME. OUR PAYMENTS WERE MADE VIA A INTERNET PROGRAM FOR XXXX XXXX. PAYMENTS THAT ARE MADE TO XXXX XXXX  WOULD TAKE OVER 2 WEEKS TO POST FOR SOME REASON. WE HAVE NO IDEA WHY. IT WAS A XXXX XXXX   PAYMENT PROCESSING ISSUE THAT CAUSED THESE DELAYS. THIS MISREPORTED DATA HAS CAUSED US TO GET DECLINED FOR A HOME LOAN AND FOR THE LOAN WE WERE APPROVED FOR IT CAUSED US TO PAY HIGHER FEES/COSTS. WE ARE WORKING ON ASSESSING THESE DAMAGES AND ARE CONSIDERING FILING A LAWSUIT TO RECOVER ALL OF OUR COSTS DUE TO THIS NEGATIVE CREDIT DATA WHICH IS IMPACTING OUR CREDIT HEALTH AND SCORES. 

SCENARIO- LATE XX/XX/XXXX I RECEIVED A NOTICE THAT OUR BOAT HAD BEEN REPOSSESSED. I CALLED AND ASKED WHAT THEY WERE DOING AND THAT ALL OF OUR PAYMENTS WERE MADE ONLINE BEFORE THE DUE DATE. SO WE WENT OVER TO XXXX, AZ PAID THAT MONTH 'S PAYMENT AGAIN ( WE DOUBLE PAID THAT MONTH ) AND PICKED UP THE BOAT. WE WENT OVER TO THE TOWING COMPANY TO PICK UP OUR BOAT AND OUR BELONGINGS IN OUR BOAT WERE STOLEN! SO WHEN I GOT BACK HOME WE CALLED XXXX XXXX  AND TOLD THEM NOT ONLY DID THEY REPO OUR BOAT THAT WAS NEVER PAID LATE BUT, THAT OUR BELONGINGS WERE STOLEN. THEY TOLD US THEIR TOWING COMPANY HAD TAKEN OUR BOAT EQUIPMENT AND THAT THEY DID NOT AUTHORIZE IT AND THEY WROTE US A CHECK TO COVER OUR REPLACEMENT COSTS FOR ALL OF THE ITEMS THAT WERE TAKEN. 

SO RECENTLY I WROTE XXXX XXXX A LETTER ASKING THEM TO REMOVE THE 2 LATES ON OUR CREDIT REPORTS THAT WERE WRONGFULLY REPORTING AND THEY DID. WHAT I DIDN'T REALIZE THOUGH WAS THEY FAILED TO REMOVE THE REPOSSESSED/REEMEMED DEROG COMMENTS TOO. 

AGAIN, THEY TOOK OFF THE 2 LATES HOWEVER, THEY FAILED TO REMOVE THE STATUS AND COMMENT ERRORS.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX - XXXXXXXX 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 n accordance with the Fair Credit Reporting act 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
Complaint sub-issue: Loan sold or transferred to another company

I purchased a XXXX, XXXX XXXX, XXXX XXXX, from XXXX XXXX XXXX in XXXX Virginia. The vehicle was financed by XXXX XXXX XXXX XXXX XXXX, ( XXXX  ). In XXXX of XXXX XXXX went out of business. It is my understanding that the loan was transferred to XXXX XXXX XXXX XXXX ( XXXX ). All of my information with XXXX  was current including my payments. I have attempted to contact XXXX  by phone and e-mail with little success. I got no response to my email to XXXX. My phone calls were redirected and then disconnected. I was told that they did not have me in their system. 

My title still lists XXXX as the lien holder. My vehicle is listed as repossessed on my credit report. I still have my vehicle. I have not made payments to XXXX  because it indicated that I did not have a loan with the company. They have not sent me any information and have not responded to my inquiries. 

I am an XXXX XXXX on XXXX XXXX with the United States XXXX and my credit report can impact my job. I wanted a new vehicle and could have traded in my XXXX if I could have cleared the loan. The confusion on the lien holder and the fact that the vehicle was listed as repossessed on my credit report meant that I was stuck with it. 
I was also concerned that someone would come and take the XXXX and I would have no way to get to work. I have purchased another vehicle. I could sell the XXXX if I had title or knew who I should pay to pay off the vehicle. Currently my ability to do anything financial is limited.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, The following account is not mine. Please update or remove from my account. Thank you. 
Bankruptcy : Discharged CH-XXXX  Reference Number XXXX The following Inquiries was not made or authorized by me. Please remove from my credit account. Thank you. 

XXXX XXXX XXXX  XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX XXXX XX/XX/2019
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX XXXX {$1700.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, XXXX XXXX {$6000.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, Highest Balance {$1700.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$3500.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$3500.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$4100.00} ), XXXX XXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$2000.00} ), XXXX XXXX ( Opened XXXX. XXXX, XXXX, XXXX XXXX {$5000.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, XXXX XXXX {$4500.00} ), XXXX XXXX ( XXXX XXXX. XXXX, XXXX, XXXX XXXX {$1000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Didn't receive terms that were advertised

Back in XXXX 2021, i applied for a new CITI checking account because they sent me an advertisement on my app as i have 2 credit cards with them. I deposited $ XXXX and i was suppose to get {$400.00} bonus in 90 days. It's now been 6 months and no bonus. I called for the last 3 months and they validated that the bonus was coming and that i met all the qualifications. On XX/XX/XXXX i filed a dispute to which they now say i didnt qualify. I am so frustrated with this company.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.

Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also  included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX XXXX XXXXXXXX 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Problem using a debit or ATM card

I purchased seeds for my garden on XX/XX/2022. The vendor was advertising an end of the year sale. I have all of this documented via email and my checking account transactions. The transaction was for {$760.00}. I was instructed the items may incur shipping delays and will be shipped as soon as possible. I was instructed I would receive my items no later than two weeks from the date ordered. That would place delivery on XX/XX/XXXX. I contacted the company multiple times on and before XXXX via email and phone with no response. I filed the dispute with PNC Bank on XXXX because I never received my seeds. I was denied my first dispute because in an email where I was asked what happened, I did not stated the estimated date of arrival. I stated that I purchased the seeds and they were suppose to arrive in XXXX weeks but I did not give the exact date. So I called a XXXX times and explained what happened and they reopened my case. This was in XXXX. I called them today, XXXX and they literally told me they dont know when XXXX going to get my money back. The dispute department told me they have until XXXX. I asked what will happen in XXXX and they could not tell me if I would get my money back or not. I spoke with a representative by the name of XXXX today and on a recorded line he basically told me its nothing they can do. I thought customers has some level of protection against things like this happening?
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the 3 Credit Bureaus to update or remove this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Complaint sub-issue: Account status incorrect

I had a lease account with XXXX XXXX XXXX. They had erroneously reported it as past due/charge off, due to the company being slow to come pick up the furniture when I cancelled the lease. It has been corrected and changed to satisfactory on my XXXX  report, and is not even on my XXXX reports. It still is not showing correct on my Equifax report, after about a year, and finally I decided to file a complaint since I can get no where with either of the companies. The account was closed, after the company came and picked up the furniture finally, after repeated calls of telling them to come get the furniture.
Complaint sub-issue: Company closed your account

Last week I went to Costco and when I was going to pay with my debit card, I couldn't do it because my card was blocked, I called to my bank and they told me that they are going to send me a new debit card because my account was working very good. On XX/XX/XXXX my partner who shares the account with me told me that she received a letter saying that the account is going to be closed, so we called the bank and they told us to go there and speak to a representative, but yesterday XX/XX/XXXX we went and when we arrived they told us that the accounts were canceled and that a note appeared in our account that said : do not open a new account, because the bank does not want a relationship with us, we were shocked, because we are very good customers, so they returned us our money in checks, we feel super discriminated, because I am XXXX, we are both two XXXX women, we have our jobs, we have bought houses because we are good clients of this bank and we did not expect that treatment from Citi Bank in these such difficult times of the coronavirus.
Complaint sub-issue: Information belongs to someone else

The information attached to my credit reports contains wrong names, addresses, and accounts that do not belong to me. This information on my report is consistently affecting my personal life I can not obtain a home or vehicle because of the errors on my credit reports. There are over 60 inquires on these accounts.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account, XXXX Account XXXX XXXX Account XXXX XXXX Account, XXXX  Account has violated my rights . 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Account status incorrect

I have about three student loan accounts open that at the time were with XXXX XXXX or XXXX as they represent themselves. These loans totaled to be for about {$8000.00} and that includes interest. During the time my account was with them I entered it into a forbearance period that was posted on my account XX/XX/XXXX and back dated to cover me for XX/XX/XXXX - XX/XX/XXXX. I reached out to customer service and they said it had been accepted. In XX/XX/XXXX I received a notice from the US Dept of Ed saying my account was in Default and if I did not take action Immediately my wages, taxes would be garnished. I contacted them immediately. I told them my account was in fact in forbearance. They didnt care they kept saying it was defaulted. I set up a income driven plan and they told me if i did this it would not show up badly on my credit report. A few months later the account became a collections account and I am unable to get a governmental job or a Mortgage because my Student loans is showing as a collections account. I contacted XXXX XXXX about the handling of my account they confirmed my account has been in forbearance for the period opf XX/XX/XXXX-XX/XX/XXXX but they could not provide me with any documentation to give to the US Dept of Ed to correct the inaccuracies that have been placed on my account. The only advise they could give me was to wait it out. I have contacted XXXX and its sister company XXXX XXXX countless times in the last few weeks to correct the error and they keep passing me around to one another. XXXX tell me to talk to XXXX XXXX, XXXX XXXX  or FSA told me that I need to submit documentation. XXXX has my documentation but they refuse to give it to me. Ive spoken with supervisors such as XXXX on XX/XX/XXXX who said she could not give my my documentation stating it was policy and I have spoken with customer representatives such as XXXX, XXXX, XXXX, XXXX and others who have all said they see the information but they can not provide it to me. I feel railroaded, and out of options.
Complaint sub-issue: Information belongs to someone else

I ordered a copy of my credit report. I noticed some fraudulent accounts that were not opened by me. Please investigate these fraudulent accounts and remove them from my credit report. Please send an updated copy of my updated credit report.
Complaint sub-issue: Account status incorrect

XX/XX/2019 XXXX XXXX XXXX reporting delinquent 43 days late.

I am a victim of Data Breach as result of XXXX XXXX disclosing my information.

I have on going Identity Theft as a result of XXXX XXXX leaking my personal confidential information as well as my Banking account and caused Bank Account difiulites.

XXXX XXXX has reported 43 days late on payment when it is on time and has never been late to all 3 Credit Bureaus, XXXX XXXX, Equifax, and XXXX.