Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

IN RESPONSE TO CFPB:XXXX XXXX XXXX XXXX Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable.
Complaint sub-issue: Their investigation did not fix an error on your report

I made a dispute with XXXX and XXXX reference to this debt collector EOS CCA who is reporting they own this debt from XXXX XXXX. On XX/XX/22 I sent them a letter via registered mail with return receipt asking them to validate this debt. I received proof of delivery with a signature from their company. As of today I have not received a response and they continue to report this as a collection debt to all three credit reporting agencies. This is a charged off debt by XXXX XXXX. It is also time barred under SC law ( S.C. Code 15-3-530 ).
Complaint sub-issue: Was not notified of investigation status or results

XX/XX/2018 I mailed in a certified letter to XXXX for AR Resources INC, requesting Debt Validation, and to be legally validated in 30 days from the date of the letter.
Complaint sub-issue: Account status incorrect

In XXXX my mother opened a XXXX credit account using my personal information. Due to my still being in the XXXX, in the middle of a XXXX XXXX, I certainly could not have ordered the items she had nor did I order the subsequent items she charged to the account. Nevertheless, I added the item to my XXXX  XXXX bankruptcy the following year starting in XX/XX/XXXX. I acknowledge that this is the assumption a debt is valid but that is not the reason for my issue today. 

As I said, the bankruptcy was filed in XX/XX/XXXX and XXXX in XX/XX/XXXX. And the account in question ending in XXXX was added to that and XXXX was contacted by my bankruptcy attorney. Four years later in XX/XX/XXXX, I am notified that XXXX has reported a recent delinquent payment for XX/XX/XXXX. I had not, neither before, during, or after the discharge of my bankruptcy done any business with XXXX. In fact, the only online portal I have access to via the email my mother fraudulently opened my account with shows no information regarding orders, shipments, or late payments. 

Initially, I was attempting to remove the previous late payments of XX/XX/XXXX due to them being family fraud. Not wanting to cause legal issues for my mother or pay the balance she left, I let it go. This was before realizing that there is a multitude of consumers who had XXXX open " XXXX '' accounts using their information, adding in many unknown late or missed payments for balances transferred from their original account. It now makes sense what error may have occurred, my old account information including the balance from the discharged debt may have been transferred to this new " XXXX '' account and like many others, I unknowingly received a missed payment for an account I did not consciously open. After disputing this with all three bureaus, only one remains with the late XX/XX/XXXX payment and that is Equifax. Reading the investigation, Equifax affirmed incorrectly an account balance and the date. 

I have not been provided with a statement of any new account information, balances, items purchased, or anything to confirm that I did indeed open another account. I challenge XXXX to provide this information.
Complaint sub-issue: Information belongs to someone else

In XXXX, I sent the bureaus a letter about disputing incorrect information on my credit report. I haven't heard from them in a month so I sent them 2-4 more letters in XXXX and XXXX to have that information verified and proof that those are mine. Up to this date, I haven't gotten a response from them and I know that according to the FCRA this is a violation of my rights and they have to respond within 60 days after they received my letter. I take my credit seriously and will do the necessary legal actions if this is not solved as soon as possible.
Complaint sub-issue: Account information incorrect

XXXX XXXX by XXXX XXXX Bank. I got the XXXX card on accident online trying to replace my phone then it turned into a credit card. Actually a pretty amazing one at that cash back was great and so was customer service till. I first got the card and my fiance wanted to come on with me so we contacted a specialist by phone she said no problem at all XXXX XXXX well poof my XXXX card was gone by accident of course so i go 2 months maybe 3 without it and i forget about it totally and boom it magically showed back up on my phone with a crystal clear balance. and in fact the same day I received a letter in my mail saying they credited me {$350.00} sorry there was an error we will correct with reporting agencies as well on your behalf. Ok thank you till the day after i got my old bill added with the new one that i had forgotten about not having my card and all no mailed bills nothing so now my debt had doubled. Whatever I paid it off. I always pay it off on time since i had it.. Then about 4 months ago from today I was a victim of fraud or identity theft again and my XXXX XXXX had a recovery key put on it. Well i learned quickly that a recover key is a 25 Character Pass code they send you and not even XXXX  can help when its lost by whomever had it from the start. I was told to buy an XXXX rep i had to cancel my old XXXX card and under new XXXX XXXX  apply again. I needed to pay my account balance first though of course. I must have asked this rep XXXX  card specialists 10 times if shes sure it's that simple cause past experience has me nervous and my home had just burned down so i needed to be certain if i pay this bill id have my balance to use again on my card for things well they did it to me again XXXX me. The new application had failed because the rep failed to close in proper this time. well i called in to address a manager and i beleave thats the only place in the world Where a supervisor is less helpful than those under them.. well after trying to close my account as advised by a specialist. I called in about 10 times now and 5 of which a supervisor came on it was my full time job getting XXXX to treat me like a customer and correct again there XXXX up well another rep made me pay {$160.00} after the first bill of {$860.00} to close it and guess what still was not closed proper so then the supervisor to save the day again after no joke 25 more calls in tranffered everywhere this supervisor made me pay XXXX cents and still did not close it proper. I am still Without my XXXX card i was promised and they still have reported on all my credit reports closed and delinquent with balance..Ridiculous.
Complaint sub-issue: Personal information incorrect

I was looking at my credit report from the government approved annual credit report website and noticed my name was spelled wrong on all 3 credit reports. My name is XXXX XXXX XXXX spelled exactly that way no others. Also theres unexplained inquiries on my credit reports how they get there. Furthermore theres these accounts on my credit report that are incorrectly reported to my credit with different inconsistencies like dates, amounts, and mainly my name.
Complaint sub-issue: Account status incorrect

I reviewed my equifax report and notice their was a late payment reporting for XX/XX/2018. Although, this is 4 years ago I pride myself on having an exceptional payment history Im therefore requesting a removal of late payment. I have reached out to equifax and the website says 0 payments late however the payment grid still shows the late payment please help me
Complaint sub-issue: Account status incorrect

I have an account with XXXXXXXX XXXX  appliance on which I am financing several appliances. I have ALWAYS paid this account timely with no issues. 

In XX/XX/XXXX I had a vehicle accident and was unable to pay the account. I called and spoke with several representatives and on one call specifically I established a payment arrangement to defer the XXXX payment and bring my account current in XXXX. A new payment date was established. 

I paid the account current on the agreed upon date. 

According to the Fair Credit Reporting Act and additional advisory opinions issued by the Federal Trade Commission that states when a new promise to pay date is set and agreed upon by both parties that date is used to determine timeliness of the consumer 's payment. 

Seeing as how I kept to the arrangement of the promise to pay and paid on or by that date this late payment reporting on my report is invalid, inaccurate and thus unverifiable. 

This item is to be removed from my credit report as stated in the Fair Credit Reporting Act ; continuing to report this information is blatant violation of my rights as a consumer as they are granted to me. 

Account : XXXX XXXX XXXX XXXX Issue : 30 Day late mark for the month of XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

ok back in XXXX i had several loans out then i finally got them all consolidated with fed loan i have talked with fed loan reps and they see the problem and tried to help me but since i had so many seperate loans for being consolidated it was exhausting..so i was finally told about what deferments was because i had lost my job and was unable to pay so i got them and everything was ok i was supposed to every year get another one so i moved to another state and my deferment ran out i didnt recieve a notice or anything about i need to get another one finally my mail caught up with me but by that time i had been without deferment for 90 days quickly fed loan reinstated my deferment with no problem but would not remove my late pmts now since i had so many loans it shows on my credit like 8 missed pmts or maybe 10 all im saying since these loans was consolidated shouldnt i just have one missed pmt of 90 days instead of 8 to 10 which now like with XXXX  XXXX is seriously stopping me from getting a mortage all im asking is why should i have so many missed pmts it degrates my credit with so many missed pmts i acknowledge the missed all im asking is why so many consecutive have to show instead of just one missed pmt of 90 days
Complaint sub-issue: Problem with fees

I spoke with XXXX XXXX and advised them that I lost my job due to COVID-19 and they placed me on a hardship payment and advised as long as I made the payments I would be reported as being current
Complaint sub-issue: Other problem

Fidelity Rewards Visa is charging me for a check that they sent to a account that is not mine. The amount is for {$14000.00} this amount is XX/XX/18 was the date that the credit balance refund. The merchant has advised that this money was cashed but it didnt appear in any of my accounts.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I disputed a XXXX XXXX bill on my credit report, XXXX removed the item 2 times and they keep putting it back on my credit report. As of XX/XX/XXXX it is back on my credit report. it was removed on XX/XX/XXXX XXXX file number XXXX. XXXX  XXXX XXXX , XXXX XXXX XXXX, XXXX Ma . XXXX { XXXX } is the credit collector noted on the report
Complaint sub-issue: Information belongs to someone else

I'm XXXX XXXX, and I'm sending the CFPB another another complaint. I was a victim of identity theft once more, and this is my sixth CFPB complaint requesting to block or erase the data from my credit file that was obtained as a consequence of the fraud. The Credit Reporting Agencies must delete any accounts in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), which must happen no later than 4 business days following XX/XX/XXXX, the date of the dispute letter I just sent. I had already shared this report in my CFPB complaints, and I am submitting it once more. Additionally, I have my questions regarding the authenticity of the information some credit agencies gave on some accounts because it was REMOVED from other bureaus and was UNKNOWN to me. This letter is to let the credit bureaus know that I will be suing them if they do not REMOVE the specified accounts from my record. My lawyer has been told of my plans, and they are eager to make you responsible for your deliberate disobedience. This is the LAST WARNING for you. The allegedly stolen accounts should be REMOVED, thank you. The following accounts need to be deleted as soon as possible : XXXX XXXX Balance : {$510.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$560.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance XXXX {$910.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

On or about XX/XX/XXXX I checked my Equifax credit score on XXXX and found that it had dropped by XXXX points, from XXXX to XXXX. I verified this score drop on the XXXXequifax.com website. Both sites indicated that there had been no reporting of activity from any of my banks since XXXX of XXXX. This was a blatant error, which I verified with XXXX  XXXX XXXX. I filed a dispute with Equifax on XX/XX/XXXX requesting an explanation and phoned them on XX/XX/XXXX. In my initial phone call, their representative indicated that the score that she saw was higher than the XXXX that I was seeing on my account on their site. She kept me holding for approximately 30 minutes while she attempted to find an explanation and finally terminated the call with no warning. I phoned again and the second representative insisted that the reason for the drop was that there was no activity on any of my accounts. I attempted to explain otherwise to him and showed him specifically where the XX/XX/XXXX date was in error. Again, the website did not agree with the data he was seeing and he was unable to tell me why. I am attaching screen shots of my information as shown to me on the Equifax website. All account data is inaccurate. For example, I use the XXXX  XXXX XXXX credit card on a daily basis and have done so for many years. The " Date of Last Activity '' of XX/XX/XXXX is totally inaccurate.
Complaint sub-issue: Reporting company used your report improperly

I am XXXX XXXX, I am submitting this complaint myself. There is no third party involved. On XX/XX/2017 I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged.

Due to 15 U.S. Code 1692e ( 2 ) ( A ), Pursuant to 15 U.S. Code 1692e ( 10 ), and Pursuant to 15 U.S. Code 1692a ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional.

Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater
Complaint sub-issue: Company closed your account

Discover tried to call me on XX/XX/2022, but it sounded like a scam call telling me about needing to do 4506-T verification for my card ending in XXXX, then I received an email from XXXX Sign, all of which sounded like a scam. I subsequently called the main Discover line three hours later, but the representative did not know what I was talking about. 

I tried to use my Discover card to find it was not working on XX/XX/XXXX. I filled out the 4506-T form, then it was rejected by the IRS for wrong address even though I the same address. I filled it out and resubmitted it again on XX/XX/XXXX, and it was rejected again and my Discover account closed on XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

There are 5 accounts on my credit report that are not mine I have been disputing these with the credit bureaus as well as the furnishers since XX/XX/2020 and no disputes have been opened and no one has contacted me to let me know what is going on. It is really time consuming to be chasing the Credit Bureaus to remove information that does not belong to me. 

These are the accounts Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Complaint sub-issue: Problem using a debit or ATM card

I opened a dispute back in XXXX for a purchase I made in XXXX of XXXX. The items that I purchased didn't work for me. I've made multiple attempts to get this resolved with the seller. The merchant is unresponsive and the proof is attached to this complaint. That's when I reached out to my bank Citibank to try to retrieve the funds of {$290.00}. I've complied with every request. I've sent in all the supporting documents along with the signed form that they mailed to me via fax. Last week I received a notice that stated that the case is being closed due to not sending in the requested information. I've spoken to 4 dispute supervisors that stated that I sent in the requested documents that was requested of me and nothing further was needed. So again why was this case closed? You'll also see the fax confirmation page of where I sent the information too and the number. 

I feel like I'm being discriminated against because I filed a complaint against them back in XXXX XXXX. I need my money ASAP. I'm tired of them playing games if you listen to all the calls you'll hear 3 of the 4 supervisors saying I would get provisional credit and that has never happened. 

Also every time I called in to check on my case I would be told that that they never received the documents or the case is closed. Once I request to speak to a supervisor the supervisor will tell me the information that the rep gave me was incorrect. I love my account with Citibank but they are very unorganized as an organization.
Complaint sub-issue: Fee problem

On   XXXX    XXXX  2017, I had   XXXX   pending transactions. The second transaction would cause my account to be overdrawn by {$0.00}. I had previously been told that when pending transaction will cause the account to overdraw, a deposit needs made by  XXXX . I made a cash deposit before the cut off time on  XX/XX/XXXX . This gave me an end of day balance of {$0.00}. However, on  XX/XX/XXXX , I was still assessed a {$39.00} fee. Yes, I was charged {$39.00} for a   XXXX   XXXX   overdraw. The supervisor  XXXX  - made an exception to the policy and provided me with a {$39.00} credit today. The issue was caused by Key Bank 's posting order. Because the transaction had been made in a prior business day than the deposit, the transactions posted first - even though they had not posted at the time of the cash deposit. The supervisor confirmed, had the deposit been made a day prior, or the transactions posted a day later, the deposit would have prevented a fee. However, because the transactions and the deposit posted on the same day - a fee was assessed.
I had a similar issue in  XXXX . On  XX/XX/XXXX , I had a transaction overdraw my account by {$0.00}. I had   XXXX    additional pending transactions that would have overdrawn my account by a total of {$16.00}. On XX/XX/XXXX , the pending transactions had not yet posted and I had not received a fee. Before the required cut off time, I made a cash deposit of {$20.00}. This gave me a positive balance of {$3.00}. However, at end of day on XX/XX/XXXX , I was charged a fee for the prior, posted transaction of {$39.00}. This caused my {$20.00} deposit to not be enough and then I was charged  XXXX  additional fees of {$39.00} ( for a {$10.00} transaction and a {$5.00} transaction. ) Three days later on  XX/XX/XXXX , I was charged a " Recurring Overdraft Service Charge '' of {$28.00}. So, essentially, for overdrawing my account {$0.00} and due to Key Bank 's posting order, I received a total of {$140.00} in fees. I made a deposit to cover the two pending transactions. When I viewed my account, there was not a fee yet. At the time of my deposit, I was provided with a balance of {$3.00} ( POSITIVE ). Yet, due the posting order ... The fee posted first, making my deposit insufficient for the other  XXXX  transactions and causing additional fees.
I understand that I may not be the best customer. I understand why overdraft fees are in place. And when the fees are fair and the posting order not deceptive, I pay them. As much as I try to avoid them, sometimes life gets in the way. I 've definitely paid more fees than I 've had waived. However, I think we can all agree that a {$39.00} fee for a {$0.00} overdraw is unfair. The punishment does not fit the " crime. '' I think we all agree that {$140.00} for a {$0.00} error is unfair. The punishment does not fit the " crime. '' The posting order that key bank uses, in my opinion, is designed to cause more fees to customers. This, in my opinion, is an unfair practice.
Complaint sub-issue: Their investigation did not fix an error on your report

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment on XXXX or/and XXXX of 2020 for 30 days. Impossible! Send me proof that i was late because i paid it on time. 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax, XXXX XXXX, XXXX and XXXX XXXX has cost me to lose 95 POINTS OFF MY CREDIT SCORES by publishing incorrect account balances and wrong status on my credit union visa account. Other bank credit cards that I paid in full with zero balances and I cancelled the credit cards are reappearing after disputing with balances again!
Complaint sub-issue: Investigation took more than 30 days

It is not going on 90+ days since I have opened a dispute with XXXX , Equifax , XXXX  XXXX. 

I demand that these agencies deletes these negative and fraudulent tradelines from my credit profile. This has gone on for far too long. 

I had a CFPB complaint submitted on XX/XX/XXXX, and here we are 30+ days later and there still has been no change or updated to my consumer credit profile. 

Previous disputes : XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Please review my credit file for inaccurate items. There are 1 account that is reporting an inaccurate late status, an incorrect reporting of a bankruptcy, and 2 accounts reporting that does not belong to me. Also, there are incorrect address and name spelling. 

Account that is not mine : XXXX XXXX  and XXXX XXXX ; and the Bankruptcy with a file date of XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Ct, XXXX XXXX ; incorrect name : XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX is reporting an inaccurate late status ; it is inaccurately showing that I was late XXXX & XX/XX/XXXX and from XX/XX/XXXX - XX/XX/XXXX XXXX