Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/19, Discover had a XXXX deliver their credit card without a signature onto my front porch at XXXX. I was not home at the time. About 2 hours later, per Discover credit card, there were about {$700.00} on charges on my credit card. At 5 pm the same day, Discover called to ask if I received my credit card, which I told them I had not been home. They said they would start a fraud investigation. About a week later, after I gave XXXX  ( I was XXXX XXXX XXXX   when all the fraud happened ) Discover calls me to tell me that the card was activated from my cell phone number. I told them I did not make that call. 2 weeks later, Discover informs me I am liable for the charges on XX/XX/19-that same day I faxed them my cell phone bill with log showing I did not make the call to activate the card, as well as the police report ID I filed that same day. I feel that Discover has been negligible in investigating this incident as I did not receive the credit card, have proof that I did not make the phone call to activate the card, and is still charging those charges to me. If Discover works with the police to pull the tapes from the XXXX where those fraudulent charges were made, I am sure they wont see a XXXXXX/XX/XXXX lady trying to pull money out of an ATM ( which were a majority of the charges ).
Complaint sub-issue: Investigation took more than 30 days

XXXX  - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX CARD - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Complaint sub-issue: Information belongs to someone else

I was trying to shop for car insurance around 15 days back ( XX/XX/XXXX ) and my agent quoted a really high premium which was surprising. He told me that I had an accident on my file that happened in XX/XX/XXXX with my car and that is causing my insurance charges to be high from all providers. 

This accident happened on the car that I own now but I bought this car in XX/XX/XXXX ( 6+ months after the accident date ) and the accident happened with the previous owner but it wrongly shows in my report which is impacting my insurance premium. My agent was able to share a LexiNexis report with me ( reference # - XXXX ) which shows this accident on my report Car details : XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) I tried to reach lexisnexis on their customer care and then website but there is no easy way to reach them where I can raise my concern and get the resolution.
Complaint sub-issue: Reporting company used your report improperly

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 reporter agency can not furnish a account without my written instructions.

15 U.S.C 1692C 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.

Pursuant to 18 USC, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b XXXX.company has also No permission to report anything using my info pursuant 15USC 1681 XXXX XXXX XXXX XXXX Open date : XX/XX/2022 Amount : {$420.00} XXXX XXXX XXXX  Open date : XX/XX/2022 Amount : {$260.00}
Complaint sub-issue: Other problem

I will address this in a simplified format since I've complained about this same issue with the CFPB already. US Bank is noncompliant with sending me an electronic copy by email, or mail that contains all billing statements from beginning to end, account notices, letters, and other relevant information. I've dealt Executive Department, Consumer Relations Department, and their collections department with no success.
Complaint sub-issue: Didn't receive terms that were advertised

A {$4000.00} checking account bonus was due to be paid to me by XX/XX/2021. 
XXXX Opened complaint through email with local banker XXXX XXXX XXXX Received acknowledgement for investigation XXXX XXXX Emailed XXXX, stated she would send in a 2nd request XXXX Emailed XXXX, asked if there was a phone number I could call, given XXXX. 
XXXX Called XXXX, spoke with XXXX XXXX Stated she would investigate and give me a call the next morning. She mentioned the promotions department is overseas and doesn't respond until overnight and she provided her direct number XXXX. 
XXXX XXXX called me, stated the {$4000.00} is pending approval but the approver is out of the office.
Complaint sub-issue: Problem lowering your monthly payments

I started school back in the late 90 's, it took me over 13 years to finally complete my Bachelor Degree as I was working two jobs and attending school part time off and on. I have been a single parent since 2007, I have worked 2 to 3 jobs at a time to make ends meet so I had to keep deferring but I finally have a job where I can afford about {$200.00} a month to start paying back my student loans.

( I used the maximum amount for my Bachelor which is XXXX and I took only two semesters toward my Masters ). 
Now that I am able to pay my loans back, my total amount due is {$170000.00}!! I emailed Federal Aid and told them there must be a HUGE mistake because I only borrowed about XXXX and they wrote back and told me the interest has been accruing daily for {$25.00} per day. So, I have {$100000.00} in interest which makes my payments about {$900.00} a month! I also saw on my portal that if I pay off my loans by XXXX, then I will have paid over {$300000.00} for my Bachelor Degree! I am literally sick over this and not sure where to turn because I don't want to have my wages garnished and a lien on my home I have worked so hard for. I worked for XXXX XXXX XXXX for 16 years and I didn't even know that the interest would amount to this much! Please help me. : (
Complaint sub-issue: Account information incorrect

Equifax and XXXX  is still reporting XXXX on my credit. XXXX mailed me a letter stating " This account qualifies to be removed after 6 years and 9 months from the date of first delinquency ''. I have attached a copy of both letters from XXXX as there were two separate accounts. The XXXX account has yet to be deleted entirely from my credit. Please reach out to Equifax and XXXX  to fix this issue as I have tried many times myself already with no results.
Complaint sub-issue: Account information incorrect

In 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 an account without my written instructions.
Complaint sub-issue: Public record information inaccurate

I have attempted two times to have ( credit agency ) verify this debt and what methods used to verify this debt.

According to the FCRA Section 609 a ( 2 ), the bureau must provide me with the method used as proof to verify the bankruptcy and if they are unable to provide it, the bankruptcy must be deleted.

Also, according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third-party source such as XXXX or XXXX XXXX.

Per a letter I received from the Ohio Bankruptcy Court, no verification was done as the courts do not verify information.
Complaint sub-issue: Didn't receive enough information to verify debt

Re : I. C. Systems In XX/XX/XXXXI accessed my credit report to discover a Collection was on the report from a supposed medical bill from XX/XX/XXXX, as of which I received zero communication of the debt in 5 years.

I contacted I. C. Systems in XX/XX/XXXXand the representative indicated an attempt to contact me three times in the year XX/XX/XXXX were made via phone ; however, no logs exist on my phone records showing the company attempted to contact me four years ago. There is not a record of them attempting to contact me since.

I do not believe this debt is mine. I sent I. C. Systems a letter explaining in XX/XX/XXXX. I received zero communication until three months later in XX/XX/XXXX stating they still believed the debt was mine.

I have provided sufficient evidence the debt is not mine. In addition, I have received minimal to zero communication of this debt over the last five years.
Complaint sub-issue: Can't decrease my monthly payments

I have run into them taking extremely long to process IBR paperwork making my loans be in a forbearance status longer therefore collecting more interest.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Identity Theft Victim ... 

Didn't Authorize ( Inquires ) Pulling of Credit .... 
Equifax!!! 
XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions Didn't Authorize ( Inquires ) Pulling Credit!!! 
XXXX  Creditor Name Inquiry XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX   XX/XX/XXXX XX/XX/XXXX Finance XXXX  XX/XX/XXXX XX/XX/XXXX Finance XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Misc. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automotive XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There is an inquiry on my credit report from XXXX. on XX/XX/2021. I did not apply for any credit and. would like this removed. I have been a victim of XXXX  and XXXX. 

XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This has been going on for about over a year and a half now. XXXX  still has not resolved the identity theft. This started when my wallet was stolen. My identity was used to open numerous accounts, XXXX  was notified of the identity theft. I have attached Police Reports and Identity Theft Affidavits to the numerous Consumer Financial Protection bureau complaints. XXXX  refuses to read the Law enforcement documentation provided in my CFPB Complaints. When I call up they Force me to verify fraud on my XXXX report as if it were my accounts or they won't speak to me. These are not my accounts. I am going to list off the things XXXX refuses to block even though they were notified and provided the proper law enforcement documentation clearly describing the crime that took place. XXXX  refuses to resolve this ongoing fraud situation. In addition to that XXXX  still has my wrong address after being notified over 15x. First thing is I have never opened any accounts with XXXX. This account is fraudulent, not authorized and I never received the card. Secondly, The XXXX XXXX XXXX XXXX account which is a credit card account shows as XXXX limit. This account is fraudulent, The limit is incorrect also I spoke to this institution which advised me the limit was supposed to have been {$15000.00} when I advised them of the fraud they say they resolved this and sent info to the credit bureaus to delete this however XXXX  refuses to delete it. Third. XXXX XXXX XXXX XXXX. I have not authorized any accounts with XXXX XXXX XXXX XXXX, In fact the last payment made was made from a person named XXXX XXXX, and Their banking institution told me that that credit card ended up being fraudulent too. Obviously I am not receiving anything from this company this is clearly fraud wasn't even opened in my name. Please Block this account. I did not authorize it. Lastly there is accounts from XXXX XXXX, and XXXX these are fraudulent accounts. I did not authorize any auto loans with XXXX XXXX, I did not authorize membership with XXXX XXXX I never signed anything for XXXX XXXX, never received any documentation from XXXX XXXX and never authorized any accounts to be opened with their institution. The line of credit, and Auto loan you show are fraudulent. In addition to that there are two Installment loans showing for a XXXX. I did not authorize these to be opened. I do not have membership to XXXX it requires you to be part of the military or in a military family. Which I am not. So clearly I couldn't obtain membership there because I wouldn't be able to qualify. I did not open these accounts these are again the result of identity theft. All of these accounts were opened after my wallet was stolen and my identification was stolen. XXXX   refuses to block these fraudulent accounts. Also XXXX  is reporting an address I don't live at. XXXX XXXX XXXX XXXX  XXXX XXXX, Tx XXXX this is not my address. In addition to this XXXX  supplies this information to LexisNexis, Which is reporting this fraudulent information as well and has not worked with me to resolve this crime.
Complaint sub-issue: No notice of investigation status/result

I requested validation of collections/ negative accounts on my credit report and received a printed copy of what looks like a bill/statement. This is not proper validation of these accounts and I requested removal. These accounts are still on my report.
Complaint sub-issue: Billing problem

Volkswagen Credit will not transfer the original certificate of title to XXXX XXXX in order to register my vehicle. They are requiring XXXX XXXX to go against their policy and directly request the original certificate of title. 

Due to this, I have tried to refinance the vehicle, but I can not get Volkswagen Credit to send the required documents ( namely, the certificate of title ) to my new desired lender. 

This company has effectively removed my ability to 1. Register my vehicle in the District of Columbia 2. Refinance the vehicle with another lender.
Complaint sub-issue: Account status incorrect

This is a federal student loan that was taken over by Nelnet mid-XXXX from XXXX. 
When I was checking my credit report today it stated that this loan is in forbearance as of XX/XX/XXXX. It is NOT in forbearance nor did I request a forbearance. I have never requested a forbearance on any of my student loans and have never had a late payment. The report also shows 13 % of payments were on time. They have only been my loan provider since XXXX of XXXX and it clearly shows they were all on time. Anything prior to that shows as " no data ''. They had previously used this excuse to raise my interest rate. I reported this mistake to them too and they have refused to fix it. My records are very clear about payments and this shouldn't be a difficult problem to fix.
Complaint sub-issue: Information belongs to someone else

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX accounts below have violated my rights : Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXXXXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX XXXXXXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX  Account # : XXXX Account Type : XXXX Account # : XXXX Account Type : XXXX Account # : XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15U.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: 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 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 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 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: Debt is not yours

I have received repeated e-mails from " TrueAccord '' about a debt I do not owe. I contacted True Accord on XX/XX/19 and spoke with a " XXXX '' and advised her I had credit protection on this credit card and that I had been hospitalized in XXXX and have been receiving care since then as I am XXXX   XXXX. Due to this, my credit protection should pay this off in its entirety because I became XXXX XXXX for a date that the originally approved a claim on. 
XXXX was completely rude, continued to badger me. 
A copy of the call is attached. 
This companies stance seems to be that they have no requirement under XXXX to initiate a dispute and so their purpose is literally for no other reason than to harass people and effectively extort them to pay something they should not be liable for!
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

In XX/XX/XXXX I applied at the same time as my husband did we both submitted the the same household income his credit score was about XXXX my score was about XXXX. My husband received a credit limit of {$9000.00} and I received a credit limit of {$4500.00}. I contacted the company today online and below is the explanation I received from the company today XX/XX/XXXX regarding this matter. 

Discover You're very welcome and thank you so much for your patience today. Keep in mind that messaging is a conversation that stays open to you so you can come back whenever you want. We'll respond to you as soon as possible and send you a notification once we do. I can certainly understand your concern in why your approved credit line wasn't quite aligned with the same household income as your husband. Just know that we process applications for the maximum credit line you may qualify for. Everyone 's credit information varies and that's how credit lines are determined. However, you can request a credit line increase after 3-6 months. Was this information helpful?
Complaint sub-issue: Account status incorrect

Placed house for same in XX/XX/XXXX. Applied for and received COVID forbearance on home in XX/XX/XXXX. XXXX finally sold on XX/XX/XXXX. I attempted to apply for a new mortgage in XXXX of this year on a primary residence and discovered that Loancare placed derogatory marks on my credit report for each period the home was in COVID forbearance. I have called repeatedly to Loancare, often being told that no one could help and that a supervisor would call. None have, to date. 

When I started to file complaints with Loancare in XXXX, including sending an email to the president of Loancare, the servicing of my mortgage was sold to XXXX XXXX 's on XX/XX/XXXX. XXXX XXXX 's has indicated, in writing and through repeated calls, that they can not adjust comments made by another creditor ; it is up solely to Loancare to remedy. 

As of today XXXX XX/XX/XXXX XXXX, I still have not been able to speak with a supervisor of any capacity at Loancare, and, because the servicing of my mortgage was transferred in XXXX, my phone number comes up as an inactive account in their automated system and they will not speak to me without calling from an alternate number. 

I have also filed disputes with each of the credit bureaus, with no decision having been reached as of today. 

Ultimately, I can not secure a new conventional mortgage for the next 8 months, at a minimum, unless the comments are removed by Loancare. I fully complied with the terms of the forbearance, and ask that my complaint be taken seriously and addressed at once. Thank you.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Noted on XX/XX/XXXX, a dispute was filed with citibank with merchant XXXX XXXX XXXX XXXX on an order made on XX/XX/XXXX for {$600.00} ( order number XXXX ). The customer didn't receive most items that were ordered and when reaching out to the merchant, the merchant claims the order was " split ''. After multiple weeks pass and the customer constantly reaching out to the merchant for a resolution, the order was " esculated '' for which there was no response or a solution. Customer reached out to citi bank for assistance of the dispute on XX/XX/XXXX. Citi finalized the problem stating the customer must provide a " credit slip ''. Customer unable to obtain a credit slip as the merchant XXXX XXXX XXXX XXXX will not respond to any phone calls or email inquiry of the order. Citi claims there is nothing they can do, as a " credit slip '' is not produced. How can i produce a credit slip when the merchant will not respond to inquiry but the email chains show they acknowledge that they didn't send all the items.