Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with personal statement of dispute

I thank you, the Consumer Financial Protection Bureau, for looking into this. 

I am in XXXX XXXX, XXXX. I am up-to-date on my payments with Discover Student Loans. Every other lender I have has granted me " grace '' because I am XXXX Discover, through a potential arbitrary and subjective decision, has denied my XXXX XXXX status. Ok. I've argued every potential path and Discover has continued to deny my status. Ok, fine. However, I am not pleased with their subjective decision to allocate my payments to my past due amount to current amounts due. These current amounts due have already been covered.

Discover has sunk my credit 93 points. So sad. I have made consistent payments since XX/XX/XXXX and the minute I decide to contest, Discover decides to be unreasonable. Unbelievable.

Furthermore, I spoke with many Discover agents in the process to try to get deferment and a change in allocation. XXXX, a nice gentlemen, was very understanding to the situation. However, I was transferred to a gentlemen named XXXX out of the XXXX XXXX XXXX office. Very disappointed : he was very unprofessional, consistently interrupting me, extremely argumentative, and always called me " bud. '' My atty who was also part of the call, listening in, relayed the same : " very unprofessional. '' Putting this is writing so as to potentially pursue legal action. ' XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX I sent a LEGAL Notarized affidavit to Equifax, disputing under the FCRA requesting under Section 609 ( a ) ( 1 ) ( A ), For Equifax, to Provide physical verification of the original signed consumer contract. I demanded from Equifax, to see 100 % Verifiable Proof an original Consumer Contract with my Signature on it. They have failed to RESPOND or VERIFY 100 % verifiable proof even though I have been sent back the Certified Return receipt. UNDER the FCRA they are Now REQUIRED to REMOVE the accounts being disputed under applicable federal law. Additionally, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of 100 % verifiable proof which they have negligently failed to do. Now forcing me to seek relief through the CFPB portal.
Complaint sub-issue: Didn't receive enough information to verify debt

This was a payday account with money mart, a debt collector XXXXXXXX XXXX XXXXXXXX XXXX reported the negative item on XX/XX/2021. They had bought off payday loan debt from money mart and now has reported it to the credit breaus as a negative item in which they have no identification or verification that I signed ( wet signature ) and owe them this debt that was sold to them because I never had a contract with XXXXXXXX XXXX XXXXXXXX XXXX. This should be remove/dispute off my credit report immediately.
Complaint sub-issue: Deposits and withdrawals

I am the victim of a scam. The scammers contacted me on night of XX/XX/20 via text, under the pretense of a " XXXX XXXX jobs. On the morning of XX/XX/20, I was awaken by a call, telling me I had a package delivered. They'd sent a check via XXXX  for {$3100.00}, funds that were supposed to be used for equipment in the setting up of this " office ''. They seem very knowledgeable of the Banks that release ALL THE FUNDS, even though its not cleared, because they specifically asked about my bank to see if its a bank that they 'worked with '. Immediately after depositing the check around midday, whatever funds that were made available, they started disbursing to various people. These transactions were done through Citibank, and XXXX. The people receiving the funds were referred to as 'merchants, ' and I was told that to cooperate with sending money to them, because it was for the purchasing and distribution of the 'office equipment ', which was to include furniture, the computer etc. This is noted, in all my transactions as the reason for me sending the funds. Within 24 hours of me depositing the check, literally by the next day, Citibank RELEASED ALL the funds, and which time there was considerable haste to disburse whatever funds was left. In hind sight of course, it all makes sense. Nevertheless, it didn't matter to me, I just wanted to be done with all this banking transactions, because I wasn't comfortable with it, and I had far too many questions that were not answered to my likeness. I was actually in agreement with the haste they were making, because I felt confident that the funds were good and it was theirs, because Citibank had released all of it in such a short time. They continued asked for me to contribute a further {$500.00}, and at that time I was done, I told them 'no ' and not to contact anymore because I no longer had money for them. Around XXXX on the morning of XX/XX/20, the check bounced, putting my account in overdraft. I immediately called Citibank, in tears and reported that the check was fraudulent and all transactions associated with it. I explained everything that had happened in even more detail that this letter, I have also recently reported it to the police department in my area and I am currently working with a detective. This is obviously very hard for me, because like millions of other people, I am unemployed. Citibank has credited my only {$1100.00} so far, from what they recovered, but sent me a letter stating that they have 'completed their research ', on the {$2000.00} that remains outstanding. It basically states they are unable to assist further, with unless the banking institutions of the recipients, recover the money. Citibank has blame in this as well, I trusted my bank, I would've never done what I did, had those funds not been released. And whilst I know that they do make some funds available in the interim, as a courtesy to customers, I have never been privy to funds being released so quickly.
Complaint sub-issue: Investigation took more than 30 days

I submitted dispute to XXXX and XXXX and Equifax all the same day XX/XX/2018 - it was not until I complained to you I ever got any correspondence from Eqifax. They did not respond to me in the required 30 days so they MUST TAKE OFF THE NEGATIVE INFO AS REQUIRED BY LAW FOR NOT GETTING MY DISPUTE RESULTS TO ME TIMELY. It was not until I compalined to you the they even sent an email and then I could not even open the darn thing. Equifax you XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

in mid XXXX I submitted fraud disputes with XXXX over the phone regarding fraudulent inaccurate & unknown accounts on my credit report. The initial investigation took well over 30 days & I called in over 3 times and got XXXX different status answers when I called in each time from different supervisors. They each had a different story for me about my dispute status. I believe I called in the original dispute XX/XX/XXXX. I called back octber XXXX and there rep told me I didn't submit the original claim until XX/XX/XXXX which was false. He then advised me that I needed to send in a police report and I advised him that I had mailed it in after my intail call earlier in the month. The supervisor found the police report I submitted and told me that they deemed it invalid. But after reviewing it with me he said that there was no name and address on the police report. After futher review I pointed out that the police report actually had all of my relevant information included on the report including my full name and current address, He admitted that the error was on their part. He said he would reach out to that department and fix the issues, He also advised me that my disputes should be completed by XX/XX/XXXX. Today I called in to check my results the date is XX/XX/XXXX. I was advised that the investigation was closed due to my invalid police report!!!! None of the inaccurate accounts were removed from my credit report.I feel like I am being taking advantage of & being ignored of my disputes they say they have no record of the call or notes from the supervisor I spoke to to help resolve the issue. They made me submit another dispute today and told me I have to wait an additional 30 days for results. section 611 ( a ) states that a failure to investigate these items within 30 days a reason to immediately remove those items from my credit report & it has been more than 30 days in they have failed to conduct a proper investigation. I demand these items be deleted immediately or I will file litigation due to the stress they caused me ( Equifax ) the credit bureaus also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) the credit bureaus are suppose to complete al investigations before the expiration period of the period under section 611 ( a ) ( 1 ).

The confirmation # of the dispute with Equifax is XXXX the new confirmation # to my new dispute I filed today is XXXX
Complaint sub-issue: Reinserted previously deleted info

Equifax has reinserted wrong unverifiable information on my credit report and has cause damage my credibility with loan officers.
Complaint sub-issue: Can't use card to make purchases

Making an on-line purchase with Discover card and transaction was declined. Received an e-mail indicating a suspicious transaction with. the amount of {$39.00}, I indicated that it was not what I was attempting to purchase. The account was shut down and I was instructed to call the fraud dept. Called the number and auto answer stated wait time was over 10 minutes. I made several attempts to call Discover for 2 days ( XXXX and XX/XX/10 ) and each time was on hold for over 15 minutes and up to 30 minutes with no answer. In the meantime, I received e-mail messages to call the fraud department each time I attempted to go online and contact Discover. I also recieved an automated call from Discover advising it was the fraud department regarding a suspicious charge and once again, put on hold for over 15 minutes and then their system stated that there was no fraud specialist available and hung up. My payment is due on the XXXX and I was attempting to make a payment, but the account is locked, yet I get a reminder that my payment is due shortly. No one answers the phones on the general number or the fraud department number. This is no way to run a business and time spent was wasted.
Complaint sub-issue: Their investigation did not fix an error on your report

In my Equifax credit report there is one fraudulent account reported by XXXX. I filed a police report and submitted it to all three credit reporting agencies and two of them XXXX and Equifax   immediately block the fraudulent account from my credit report. Equifax refuses block the fraudulent account from my credit report and keeps stating that they have different policy. I have been speaking with Equifax customer representatives months now from fraud department, from regular department which is located by the way outside THE UNITED STATES in XXXX, XXXX. ( My personal information was exported to foreign country without my knowledge or permission ). 
Please, help me to resolve this issue. I am a victim of a fraud and the account that I was disputing with Equifax is a result of fraud and Equifax denies to block that fraudulent account from my credit report in order to show the true worthiness of my credit file.As a result of that I was recently denied for credit and for a job. In last 6 months I was contacting with Equifax representatives twice a month and they always were asking me to send Identity Theft Police Report, FTC Victim Fraud Affidavit form, my state ID card, my Social Security card and after providing all of this informations I lost my hope today that Equifax is going to block the only fraudulent account from my credit report. 
Please help me. I do not have anywhere else to go or to complain. Why the other two credit reporting agencies XXXX, XXXX XXXX have verified with creditor XXXX that it is a fraudulent account and deleted that account from my credit file but Equifax still playing a game with me. There is suppose to be one federal law for all credit reporting agencies regarding how to handle cases with fraud on behalf of consumers. Why Equifax is different in processing this kind a disputes. Please help me to get this fraudulent account removed from my Equifax credit file.
Complaint sub-issue: Investigation took more than 30 days

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5500.00}, {$6900.00}, {$8000.00}, {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6900.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account. 

4. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.
Complaint sub-issue: Account information incorrect

I incurred a charge off account with  XXXX , it was turned over to collections to JeffCAPSYS.This account is showing on my credit report as being open, it was closed  in  XXXX .This company is adding interest in to this account, to increase the amount on my credit report to furth er damage my  credit score. T he beginning balance was approx. {$410.00}, they have increased it to {$590.00}, and added another {$48.00} to it recently.   I have filed a complaint with  XXXX , and nothing has been done.
Complaint sub-issue: Information is not mine

i have nothing to do with XXXX and i never worked at XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act Account : XXXX, Account # : XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX The dates are incorrect along with Balance XXXX They have not provided the original contract of debt. Along with dates are inaccurate. 


In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Complaint sub-issue: Information belongs to someone else

I disputed the account XXXX XXXX XXXX XXXX XXXX act # XXXX with Equifax, XXXX  and XXXX and the fraudulent, incorrect information is still there. 
I do not know who XXXX  XXXX  XXXX/XXXX  XXXX XXXX  is. 
I have never signed an agreement with XXXX XXXX XXXX   XXXX XXXX  They should NOT be on my credit profile. This is fraud. 

I disputed the XXXX XXXX XXXX account XXXX with Equifax, XXXX  and XXXX  and the fraudulent, incorrect information is still there. 
I do not know who XXXX XXXX XXXX account XXXX is. 
I have never signed an agreement with XXXX XXXX XXXX account XXXX They should NOT be on my credit profile. This is fraud. 

I sent disputes about the above accounts on the following dates : XX/XX/2020 XX/XX/2020 2020
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX 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 XXXXUpon 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 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 XXXX, XXXX, FL XXXX
Complaint sub-issue: Reporting company used your report improperly

My Equifax credit information was released to XXXX, even though my Equifax credit report should of had a security freeze on it. From my knowledge when your credit report is froze no information should be obtained until I unlock it. This goes against my personal rights to freeze my consumer report from 3rd party consumers. 

I also had issues with personal information being leaked in XXXX and XXXX of 2021 and had suspicion of my information being used to obtain credit. 

I have contacted Equifax on several attempts to validate records and verify inaccurate accounts and inquires found on my credit report. I have yet to receive a response and it's been 45+ days.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, the following has violated my rights. 

XXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account # 1907 15 U.S.C 1681 section 602 A. states that I have a 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 consent
Complaint sub-issue: Information belongs to someone else

XXXX, Equifax and XXXX are reporting some fraudulent account s on my credit report. Here are the list of the fraudulent accounts : DEPT OF EDUCATION/ XXXX : {$4500.00}, {$3500.00}, {$2700.00}, {$2100.00} {$2000.00}, {$1800.00}, {$1000.00}
Complaint sub-issue: Debt was result of identity theft

The same Fraud Department that investigated & Confirmed UNAUTHORIZED TRANSACTIONS XX/XX/XXXX {$470.00} ALSO CONFIRMS NO FRAUDULENT ACTIVITY XX/XX/XXXX AND COLLECTS ON FRAUD. See attatched XX/XX/XXXX XXXX CREDIT   CARD FRAUD CLAIM LETTER Claim date XX/XX/XXXX **** AFTER INVESTIGATION which took a year to Complete *** UNAUTHORIZED TRANSACTIONS CONFIRMED in amount of {$470.00}. Futhermore XXXX out sources Fraud. Consumer never able to speak directly to decision makers. They are kept hidden. A different source than XXXX MUST CALL CONSUMERS BACK ON PHONE FOR RESOLVE and they have not called me to resolve in two years. Futhermore : XXXX has Not RESOLVED FRAUD ON THIS ACCOUNT OR Provided Permanet Fraud Credits & COLLECTS ON this ID THEFT case XXXX See Attatched XXXX REVIEW OF THIS CLAIM IS COMPLETE XX/XX/XXXX NO FRAUDULENT ACTIVITY IS FOUND?? The same department consumers unable to contact Confirmed UNAUTHORIZED TRANSACTIONS & Confirmed NO FRAUDULENT ACTIVITY SO XXXX NEVER PROVIDED FRAUD CREDITS. I have been held liable for this UNRESOLVED FRAUD Since XX/XX/XXXX. XXXX DOES NOT RESOLVE FRAUD. ** And I discovered ** I did Not Open this credit card account XX/XX/XXXX, XXXX was opened FRAUDULENTLY.
Complaint sub-issue: Their investigation did not fix an error on your report

The credit bureaus are being bullies when I disputed the items on my credit according to the FCRA yet they keep telling me things are accurate without proof. What are my options?
Complaint sub-issue: Problem with fees

On XX/XX/XXXX I paid the balance of my Citi Diamond Preferred card in full. The payment was made through the Citi online portal. The representation was that my balance had been paid in full indicated by choosing the " Pay your entire balance '' & " {$0.00} owed ''. As well, my balance available for purchase after my payment was the full amount of my credit line. I have not used my card since paying the balance in full. 
On XX/XX/XXXX Citi Card charged additional interest fees, presumably the finance charge from the previous month. On, XX/XX/XXXX Citi notified me that I was delinquent on my payment. Upon contacting Citi I was informed that 2 late fees were assessed on top of the interest charge from XXXX. I spent over 1 hour being transferred back and forth between departments who could not explain the charges to me plainly. I was told that Citi could not tell me how the entire balance represented on the account had been calculated and that they would not be able to remove any of the late fees. We settled on a nominal balance that represented double the interest charged originally. I still did not receive a clear explanation of what this amount consisted of.
I understand that I am responsible for paying the interest for purchases that I made however, I feel that I have been unfairly charged late fees, as well as unknowingly causing potential harm to my credit to benefit the bottom line of a muti-billion dollar bank.
The process of paying a nominal ( under {$20.00} ) interest fee was exhausting and in my opinion completely unnecessary. I feel that Citi purposefully designs their customer service lines of communication to deliberately frustrate and confuse their customers so they will relent and pay erroneous and exorbitant charges.
Complaint sub-issue: Account information incorrect

All three credit bureaus have violated my right under the FCRA Law, Fair credit and billing act in reference to this account XXXX XXXX XXXX Account number XXXX. The 3 bureaus report as this account is in good standing and in collection with same account number. How can I be in good standing and at the same time be in collection. I have requested a full validation of the account and request proof of the right to collect under the fair credit and billing act. Seems like there is a duplication of inaccurate information in my 3 reports. Please remove this account from my 3 credit report in a timely manner. I have attached the proof as described in this complaint.