Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem using a debit or ATM card

C

ontacted discover bank to report unauthorized charges. Discover provided provisional credits for charges
.

Weeks later -credits were reversed contacted discover again and was told charges were found to be valid based on my information was attached to the charges I advised them my information was compromised and the card was stolen, they told me nothing can be done. 

Another charge was from XXXX from a previous order I had returned XXXX has issued the refund and later on I found out they recharged me without my authorization. I told discover about this they closed the card and issued me a credit on that witch was reversed and they told me later on XXXX took back their credit because I returned the wrong item?! I said they issued me a refund after the merchandise was returned. Then weeks later with out my authorization made a completely new charge manually entered and recharged the amount they still have the returned merchandise! That is fraud and discover will not fix this.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize nor consent to the following inquires being furnished on my consumer reports.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a dispute with Equifax for my XXXX XXXX XXXX account that was reporting on my credit report incorrectly. Equifax sent back the results of the first investigation which did not correct the inaccuracy. So, I took time to write a very detailed letter and provide a full credit report highlighting all the inaccuracies. I received the results of the 2nd investigation back and Equifax has not answered any of the questions asked in the second letter or explained or corrected the blatant inaccuracies. As a result I was delayed on closing for a house. Equifax has failed to met their obligations under the Fair Credit Reporting Act therefore I am filing a complaint to force them to delete this blatantly inaccurate information.
Complaint sub-issue: Information belongs to someone else

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$0.00} XXXX XXXX {$860.00} XXXX XXXX {$0.00} XXXX XXXX {$790.00} XXXX XXXX XXXX {$1900.00} XXXX  XXXX {$1100.00} XXXX XXXX {$220.00} XXXX   XXXX {$2000.00XXXX XXXX XXXX {$92.00} XXXX XXXX {$1400.00} XXXX XXXX {$160.00} XXXX XXXX XXXX {$95.00} XXXX XXXX   XXXX {$1900.00} XXXX XXXX XXXX {$1000.00} XXXX   XXXX XXXX {$530.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Complaint sub-issue: Problem with rewards from credit card

It is a very long story but to put it short and simple. 
XXXX is a airline working with US bank credit card with a rewards program. 

Us bank issued a rewards number that XXXX does not recognize. 
XXXX is now with a new platform XXXX that also does not recognize the rewards number. 

The company claims you are building rewards but the rewards are not accessible not by US bank, XXXX or XXXX. 
I have this problem, my mother and my cousin. 

When I got the card, a year ago, I asked US bank to transfer the points to a rewards number that was recognized by the company, they did once! 
Since then I still have other points that were accrued and earned and they will not allow access or transfer those points.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I filed chapter XXXX Bankruptcy in XX/XX/XXXX and received discharge XX/XX/XXXX. One of the debts discharged on that date was Macy 's Department Store. XX/XX/XXXX it was placed for collection with XXXX XXXX. 
I've reached out to them and all 3 credit bureaus and submitted supporting documents to no avail. On XX/XX/XXXX XXXX I received mail from XXXX  verifying the account as accurate and updated. How can it be accurate If a judge in a court of law ordered it discharged and no representative from Macy 's or anywhere else showed up to contest it? This is reflecting negative on my credit reports and I'd like it removed promptly
Complaint sub-issue: Report shared with employer w/o consent

The following credit inquiries are on my credit report and I did NOT authorize these companies to do the inquiry. 
EQUIFAX : XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX : XXXX, XXXX XXXXI want these inquiries removed and my credit score adjusted.
Complaint sub-issue: Debt is not yours

I received two letters the same day from a company name TRS recovery services listed with their logo on the letter. This is the first time I have heard of this company and the first contact I have received. In the letter they are claiming I owe a debt from XXXX XXXX XXXX the principle amount stated in the letter is {$14.00}. Transaction date on the letter is XX/XX/2021 with a transaction number of XXXX. The company is claiming that the return reason is hold on funds in account. They are charging a {$25.00} returned item fee which makes the total amount {$39.00}. On one letter the reference number is XXXX on the second letter there is no reference number. I have contacted XXXX and they have informed me that I do not owe them anything, my bank has verified that no funds are on hold and none of my payments has been returned. It is to my knowledge that this company is making a false claim and committing a scam.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Recieved 3 calls from this collector during working hours.. 

Date : XX/XX/2021 Times : XXXX XXXX XXXX XXXX I answered the call at XXXX, not knowing who the caller was. During the call I informed her I was at work and could not talk. She argued with me even after I told her to call me tomorrow on my off day. She threatened to place this on my credit and also continued to attempt to get my financial information.
Complaint sub-issue: Information belongs to someone else

TODAYS DATE:XX/XX/XXXX XXXX, XXXX   DOB:XX/XX/XXXX SS:XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX   Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX XXXX.

I recently submitted a request for investigation of an Acct Number : 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 Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. 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 XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX XXXX, 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 XXXX system that doesnt even contain my reasons for the dispute is not reasonable.

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court.

I look forward to an expedite resolution of this matter Thank you.

XXXX, XXXX   DOB:XX/XX/XXXX SS:XXXX  ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

This account is Fraud, I never give anyone permission to pull my report.
Complaint sub-issue: Their investigation did not fix an error on your report

my credit profile that is on this consumer credit report still contains misrepresentations, after numerous attempts at asking them cordially to correct my consumer credit report information. 
I also ask that all inquiries be deleted from my credit report as it is proof of a consumer privacy violation, be removed from my report. 
there is an collections account that just made its way on to my consumer credit ( my reputation ) and it is damaging my livilihood. I have been denied credit already because of the fraudulent negative information on my Equifax consumer credit report. 
Equifax has also infringed on my right to consumer privacy by publishing information that it has sourced from other sources and graded me on the things they have found. 

the collection account on my Equifax report goes by the name of XXXX XXXX XXXX, apparently there is a open balance of XXXX, which is another violation of my consumer privacy. pursuant to the United States Code.

I have sent 4 letters to Equifax this is the final letter that I am sending. Should the corporation not understand that is has willingingly and knowingly violated my rights and compensate me accordingly I will have to make the attorney general aware of their fraudulent practices and help them pursue criminal liability pursuant to 15 USC 1611.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX is reporting to my XXXX  report that I opened an account XX/XX/2017 for a balance of XXXX. I did not opened an account during that time. I have requested they send me a contracted with my signature on that date and they have yet to do so. This debt is not mine. I would like to them investigate this account providing me with documentations and signed contracts of an account that was open on said date.
Complaint sub-issue: Didn't receive enough information to verify debt

Attempted to dispute my debt to all three credit bureaus. I received no debt validation of response. I sent letters certified on dates XX/XX/2021 and XX/XX/2021. I also filed a non compliant notice on XX/XX/2021. and no received no response
Complaint sub-issue: Account information incorrect

THE CREDIT BUREAUS HAVE STATED THAT ACCOUNTS WERE PROPERLY INVESTIGATED, HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE OF LAST PAYMENT IS INACCURATE, THE DATE LAST REPORTED IS INACCURATE, AND NO. OF MONTHS IS INACCURATE. ALSO HAVE SERVERAL DISCREPANCIES, THIS IS GROUNDS FOR REMOVAL. 

MY RIGHTS HAVE BEEN VIOLATED UNDER 15 U.S.C 1681 SECTION 602 ( A ). STATES 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 A ACCOUNT WITHOUT ANY WRITTEN INSTRUCTIONS.

ALSO THE COLLECTION AGENCY CONTACTED ME PERSONALLY THIS IS ALSO A VIOLATION OF MY RIGHTS UNDER 15 U.S.C 1681C 605A.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing an unconfirmed, unverified and dismissed bankruptcy with the Credit bureaus ( Equifax, XXXX, XXXX ) since XX/XX/2018. On XX/XX/2018 I froze my XXXX XXXX yet the bureaus say they verified through XXXX XXXX and NC court systems. This is not true I have called and wrote correspondence to the NC Bankruptcy courts and they have notified me ( SEE ATTACHED LETTER FROM NC BANKRUPTCY COURT ) they do not report to anyone regarding bankruptcies nor do they verify. I sent the exact letter the NC bank systems sent me stating they do not verify and asked to the bureaus to delete immediately. Equifax has deleted this bankruptcy off twice but added it back on with days of deletion and did not notify within 5days as they are supposed to by law under the FCRA, this itself is another violation within itself. Any assistance in this matter would be greatly appreciated. This unconfirmed, unverified and dismissed bankruptcy has stopped me from obtaining credit and buy the house my family deserves, I am a two time XXXX XXXX veteran that have sacrificed my life and family to serve my country and I find it is disturbing my quality of life is tremendously affected by others in control of my credit who will not take the time to actually READ AND VERIFY or delete this from my report instead of a scanner. 

PLEASE SEE ATTACHED ; 1. XXXX FREEZE 2. LETTERS TO XXXX , XXXX , EQUIFAX 3.  RECIEPTS FOR CERTIFIED MAIL PROOF LETTERS WERE SENT 4. LETTER FROM NC BANKRUPTCY COURT STATING THEY DO NOT VERIFY 5. LETTERS FROM ALL 3 BUREAUS STATING IT WAS SUPPOSEDLY CONFIRMED
Complaint sub-issue: Didn't receive notice of right to dispute

I did an investigation to my credit report and noticed that the following accounts are inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. 




XXXX XXXX / XXXX / {$5500.00} XXXX / XXXX / {$8100.00} XXXX / XXXX / {$8900.00}
Complaint sub-issue: Information belongs to someone else

I have been trying to resolve this from XX/XX/2022 Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I have sent the company multiple notices I have sent XXXX a copy of the police report as well as the FTC Report as well.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

THIS ORGANIZATION HAS COMMITTED SEVERAL FEDERAL VIOLATIONS AND IDENTITY THEFT. THIS ORGANIZATION OBTAINED MY LOCATION INFORMATION WITH OTHER NON PUBLIC PERSONAL IDENTIFICATION FALSELY WITH FALSE REPRESENTATIONS IN THE PROVIDED EXHBIT. THIS ORGANIZATION NEVER HAS MY DIRECT CONSENT TO COMMUNICATE WITH ME AND HAS COMMITTED IDENTITY THEFT PURSUANT TO FEDERAL LAW AS WELL AS INVADED MY RIGHT TO PRIVACY. PURSUANT 18 USC 241 & 242 XXXX & XXXX ARE CONSPIRING WITH CITI BANK AS WELL AS THE CRA 'S CAUSING INJURIES AND DAMAGES BY FURNISHING HARMFUL INFORMATION ON MY CREDIT REPORT IN ATTEMPTS TO COERCE PAYMENT OF THE ALLEGED DEBT DEPRIVING ME OF MY RIGHTS. IN ADDITION PURSUANT 15 USC 1602P XXXX IS IN VIOLATION FOR THE UNAUTHORIZED USE OF MY CREDIT CARD.
Complaint sub-issue: Account information incorrect

My account was closed and paid in full. 

I submitted a dispute with the credit bureaus to update the balance along with the receipt and the bank refuses to update the information on my credit.
Complaint sub-issue: Account information incorrect

In accordance with the Fair Credit Reporting act ; XXXX XXXX XXXX, has violated my rights with an incorrect late payment reported from XX/XX/2021 -- XX/XX/2021 ( XXXX XXXX ). 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: Their investigation did not fix an error on your report

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified accounts without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the accounts is not mines and is reporting inaccurately. Account : XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX DISCOVER STUDENT LOANS # XXXX DISCOVER STUDENT LOANS # XXXX DISCOVER STUDENT LOANS # XXXX DISCOVER STUDENT LOANS # XXXX DISCOVER STUDENT LOANS # XXXX
Complaint sub-issue: Information belongs to someone else

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

While checking my most recent Equifax credit report, I noticed credit inquiries that I did not authorize, made by the following companies : INQUIRIES : 1.  XXXX  Date Filed  XX/XX/2015    Type Miscellaneous Utilities Phone Number MAIL ONLY Address  XXXX   XXXX   XXXX   XXXX  MAIL STATION  XXXX   XXXX .  XXXX   XXXX   XXXX  Date Filed  XXXX / XXXX /  XXXX   Type Automobile Dealers, New Phone Number (  XXXX  )  XXXX  Address  XXXX   XXXX   XXXX   XXXX  I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act  XXXX   XXXX  ( c ) and a serious breach of my privacy rights.   Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number
Complaint sub-issue: Account information incorrect

Yesterday my Credit score was XXXX. Today out of retaliation for me filing a complaint against them Equifax dropped it by 38 points. Nothing has changed on my credit report since yesterday. In fact my credit score had went up XXXX to XXXX. The only reason my credit score dropped is because Equifax is retaliating against me for filing complaints against them. If this is not so then why did my score drop 38 points when nothing changed from yesterday. Nothing and I mean nothing changed from yesterday yet my score dropped 38 points. this is retaliation and its unethical and just wrong. If Equifax would do their job like they are supposed to I would not file complaints against them. This is more evidence to add to my complaint against them that I filed with the Georgia Attorney Generals office.
Complaint sub-issue: Debt is not mine

This item has appeared on my credit report erroneously. I have requested debt validation several times beginning in XXXX 2015. I have received no debt validation however the agency consistently attempts to collect payment and falsely report on my credit bureau reports with XXXX, XXXX, and XXXX. I feel helpless and experiencing extreme harm to my livelihood in terms of my credit.
Complaint sub-issue: Fee problem

Multiple fees of {$37.00} for overdraft they won't let me stop or activate overdraft protection horse have a low risk account this fee has happened more than 10 times in the past 12 months I can't do it I'm tired of it that's a lot of money XXXX * XXXX.
Complaint sub-issue: Information belongs to someone else

I recently noticed that my credit report contained what looks like a car from XXXX XXXX. This is not my car, period. I also tried reaching out to XXXX - XXXX, XXXX and Equifax- but never heard back from any of them. So, at this point I'm not sure whatelse to do - Therefore - I recently filled a police report, which I am including as well.
Complaint sub-issue: Debt is not mine

EOS CCA states they reviewed collection account. They have not sent me in mail any true validation and contiue to state we are in agreement.They also continue to report on my XXXX credit reports. 

They state that they US ASSET MANAGEMENT INC are the original creditor in letter and XXXX are the current creditor at top of letter. 

And at middle of letter state ORIGINAL CREDITOR : XXXX with their address. 

I have no agreement or account level signiture with US ASSET MANAGEMENT INC or XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Problem getting your free annual credit report

I tried to obtain a credit report online, but I was unable to, so I contacted the Bureaus to request a free copy of my credit report, pursuant to the FCRA. I requested these copies on XX/XX/XXXX of 2020, and it is now XX/XX/XXXX, and I have yet to receive anything. I just resent another request, in the hopes of being able to obtain a credit report.