Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Company closed your account

On XX/XX/XXXX I sent a letter to DISCOVER BANK requesting them to send me files regarding my account as well as file for their records a 2848 and 56 form that was included with the letter. It was in good faith that I reached out to DISCOVER BANK after learning my rights and the role of a consumer from the Consumer Credit Protection Act. 

As stated in the letter from DISCOVER BANK We are in receipt of your letter dated XX/XX/XXXX. As a result, we have decided to permanently close your Discover Card account ending in xxxx. DISCOVER BANK provided no reasoning, only a result which was obvious before I got the letter. 

After exercising my rights as a consumer under the Consumer Credit Protection Act, they discriminated against me and preformed this extreme adverse action. 

I have been a card member with DISCOVER BANK since XXXX. Every bill was paid BEFORE every due date and I referred friends and family members to this company. I was in good standing with DISCOVER BANK from the time I opened the account to even when they closed my account. 

After almost five years in business with DISCOVER BANK, I send one letter regarding my account after learning of my rights as a consumer and they discriminate against me as I exercise my right in good faith. 

On top of that, before I even knew that my account had been closed, DISCOVER BANK reported this negative activity to consumer reporting agencies to disclose on my consumer report. 

I am under stress because of DISCOVER BANKs adverse action against me.
Complaint sub-issue: Their investigation did not fix an error on your report

The courts file a tax lien due to misinformation. Once the information was corrected the tax liens were released. I sent the documents the documents to all  XXXX  credit reporting agencies and requested that it be removed because the tax lien should not have been filed.
<P/>
 XXXX  is the only credit reporting agency to remove the derogatory information from my report. I have been unsuccessful with   XXXX   and Equifax.
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I am requesting with assistance in getting  XXXX  and Equifax to remove this erroneous information. This is damaging my credit report and I can not apply for credit.
I also provided them the information to support the request for removal. It is very hard getting the credit reporting agencies to do their job and correcting your credit reporting.
<P/>
 XXXX    XXXX   XXXX   XXXX     XXXX , PA  XXXX  Equifax   XXXX   XXXX   XXXX   XXXX    XXXX , Georgia  XXXX
Complaint sub-issue: Account status incorrect

Factortrust occurred on XXXX XXXX and XXXX XXXX. I got two inquiries that needs to be removed immediately ASAP.
Complaint sub-issue: Account status incorrect

I have contacted all 3 credit reporting agencies. They have not corrected this issue yet. I have gotten my credit reports from them as well and it is showing accounts that are supposed to be closed still open.
Complaint sub-issue: Investigation took more than 30 days

I have contacted the three credit bureaus several times about this matter still no update on accurate information I still have an accurate information no proof let me apply for any of this stuff Ive never even went To any college i see there is a account for dept of education i never signed up for i sent complaint # XXXX please remove inaccurate information this is hhurting my family and hindering my credit stopping Me from obtaining new employment please remove inaccurate information listed below Upon investigation XXXX XXXX XXXX  Closed Closed on XX/XX/XXXX XXXX XXXX XXXX XXXX Closed Closed on XX/XX/XXXX XXXX Closed Closed XXXX XXXX XXXX {$770.00} Needs attention XXXX XXXX XXXX XXXX {$370.00} Needs attention XXXX XXXX XXXX {$160.00} Needs attention
Complaint sub-issue: Account status incorrect

1ST NOTICE PHEAA continues to provide OUTDATED and UNTRUE information to the Credit Bureaus with extreme confidence. As of XX/XX/2020, my credit report says the account is CURRENTLY PAST DUE. This WAS true up until XX/XX/2020. A payment was made on XX/XX/2020 in the amount of {$360.00} to bring the account current. 

I have all the documentation to substantiate these claims.
Complaint sub-issue: Reporting company used your report improperly

Ive sent multiple cease and desist letters to XXXX XXXX already with no response. This is what is in the letter and what you need to send to them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia [ XXXX ] XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX account number ending in : XXXX NOTICE : CEASE AND DESIST Pursuant to 15 USC 1692e ( c ) ATTN : To whom it may concern, I, XXXX XXXX the natural person Consumer '' ), have become aware of ( multiple violations of Consumer Credit Protection laws by XXXX XXXX XXXX ( " Debt Collector ' ), in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, harassment, and the use of obscene and profane language in connection with the collection of the alleged debt. 

Pursuant to 15 USC 1692e ( c ) and 15 USC 1692g ( b ), I dispute the alleged debt and am demanding that you cease all communication through any mediums unless it pertains to the validation of the alleged debt or remedy for violations that occurred. 
Pursuant to 15 USC 1692c ( c ) ( 2 ), I am invoking specified remedy as the original Creditor, and demand the following : *Send an Audit Trail pursuant to 15 USC 552a ( d ) including all documents, including but not limited to, signed credit applications, assignments, purchase of debt, ledger of the account, and anything else relating to the Consumer for review and validation XXXX out the balance and delete all accounts held by Debt Collector from all consumer reporting agencies ; *Remove all remarks or comments off all consumer reports ; and Cease communication and use of my intellectual property, unless it pertaining to the validation of the alleged debt or remedy for violations that occurred. Any further Communication with the Consumer must be in writing. Delivered via mail to the mailing location above. 

Again, this is a notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Failure to honor the demands and provide the required documentation for proper validation of the alleged debt within 14 days of receipt of this notice, shall : a ) be taken as tacit agreement to the claims set forth, b ) grant the Consumer all demanded remedies, and c ) may result in litigation. 

( Janetos v. Fulton Friedman & Gullace , LLP. 825 F3d 317, 325-26 ( 7th Cir : 2016 ) *assignees who are " debt collectors '' are responsible for the actions of those collecting on their behalf '' ; citing Pollice, 225 F.3d at 404-05. ) Respectfully, XXXX XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

I learned on XX/XX/XXXX that my Macy 's store card had over {$8000.00} in charges from a phone call from their billing department that my bill is past due and over the limit. I was outraged, I had not used my card in over 4 years at this point and it had a XXXX  balance. I explained to them that I had not received any bills via mail or email. I immediately asked to be transferred to their fraud department. I spent the next 2 weeks talking with different people in their fraud department. It was told to me that someone had been making minimum payments and had changed all the information on the account. They would not tell me anymore information!! I filled out every form they sent me and faxed back. I could even prove I was in a different part of the country when these charges were taken place. I even explained to them that I only used the card to make in-store purchases at Macy 's, all these are charges being told to me were everywhere but Macy 's ( the card was backed my American Express ). Macy 's Fraud department asked me to get a police report. They were supposed to send me a copy of the charges from the time we determined I had no longer used the card so I could use that for getting said Police report. ( still waiting for the copies as of XX/XX/XXXX ) On my last call they asked if anyone had been authorized to use my card, I said my wife was when I first opened the card and I had removed her since I had stopped using the card. They told me that was in there system ( Notated previously ). I called back and their department had been shut down due to Covid 19 in XX/XX/XXXX. I called back and was still getting transferred to other departments because the fraud department was still not online. I want to say end of XXXX or beginning of XXXX I received a phone call from Citi bank who was trying to secure this Debt for Macy 's. I proceeded and told them this was all fraudulent charges and I had been speaking to Macy 's fraud department. Every time I called Macy 's to try and talk to someone I was transferred directly to Citi Bank collections. Fast Forward to XX/XX/XXXX, I received a letter from another collections company about this same debt. I called the number on the letter and talked to the person on the other end explaining to them about this whole situation. The first week in XX/XX/XXXX, I received a letter from Macy 's saying my fraud claim had been denied and I am liable for all charges.
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting Act, the following companies have violated my rights : XXXX XXXX Dept of EducationXXXX XXXXXXXX XXXX XXXXXXXX 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an 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 a late payment for any purpose.
Complaint sub-issue: Attempted to collect wrong amount

I signed uo with XXXX & XXXX XXXX for some online real estate training and agreed to month to month payment for the training. After many months I found the training to be out of date and repetitive, with the same thing over and over again. I called and cancelled but they will not accept a cancellation, so I quit paying the monthly fees. At that I went on line to see the reviews of the company and found many people were experiencing the sale complaint at XXXX XXXX XXXX, XXXX and XXXXXXXX. Now this Collection company is an 18 % per month charge to what was a stated charge after I cancelled of {$940.00}.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts : XXXX XXXX XXXX  - Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX  - Account # : XXXX XXXX XXXX  - Account # XXXX XXXX  I have sent a letter by Certified mail to Equifax on XX/XX/22. Tracking XXXX XXXX XXXX  To investigate if every piece of information is correct, and if it is not correct then to remove it from my credit report. Certified mail Tracking XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX XXXX  Amount : {$53000.00} XXXX Personal Credit Line : {$60000.00} When spouses divorce, and the one spouse is supposed to refinance, and deliberately fails to do so, the mortgage lenders have the discretion to honor the divorce decree or not by removing the non-responsible party from the Mortgage & Home Personal Credit line.

However, if they choose not to, they don't offer any alternative solutions to the spouse who, by a legal divorce decree, isn't responsible for the loan, which also states that states no party is permitted to continue extending credit to either party using both names. Credit can only continue being extending in their own names. 

They merely suggest court and contempt of court charges which actually leaves little to no recourse for the divorced spouse to actually force a resolution, as sending someone to jail for contempt doesn't actually solve the problem, particularly when the other parties intention is solely to harm the other party, in any and all ways that they can. 

Not only is this financial abuse from the ex-partner, the mortgage company is facilitating it, when they dont follow their own procedures by foreclosing on the property when this ex-partner continues to not pay. 

While obviously NOT ideal, a foreclosure would at least provide the non-responsible spouse an actual end to the financial abuse that the bank is facilitating by failing to honor the divorce decree. 

Mortgage companies should be required to stipulate who is responsible for the mortgage & any Home Credit lInes in event of divorce and remove the other party from the loan after a divorce at the time of the signing. They should allow for amendments to be made if something changes too.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance {$19000.00} ; XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2021 ; XXXX XXXX Inquiry Date XX/XX/2021
Complaint sub-issue: Attempted to collect wrong amount

I have been the only point of contact that I have had with this company. ( Meaning, I call them, they never call me. ) My phone number has been the same for years. I have called them in in past and asked for documentation of accounts or funds owed. They have sent me paperwork to my corrected address in the past. I have been for the last three months trying to pay this debit which has been on my credit bureau reporting for years. It has always remained the same. When I attempt to pay, they change the balance that I owe. I finally was able to get someone to explain this to me. They are attempting to charge legal fees for doing nothing on a legal level. There has been not one letter from an attorney, there has been no legal filing with the court. I have called multiple times and attempted to pay, they continue to tell me that I over over XXXX for a balance reported at XXXX telling me that it will not be a balance paid in full. One time I called and spoke with a very rude XXXX in XXXX, who has falsified her documents to state that I have confirmed my address to the wrong apt number. I have not lived in apt XXXX XXXX in years. I have also informed EVERY creditor that the new Apt XXXX is XXXX for mailing purposes and I will be sure to receive my mail. At that time XXXX refused to inform me of what the additional debit is from. Once off the phone with her, the very next day she had it reported to the credit bureau at the XXXX plus balance. I disputed it, when it was replaced back on my report, it was put back to the XXXX balance. This proves they have not done a legal process and can not charge me for their invalid and bogus legal fees. I have been paying off accounts with them for the last year. They are aware that I am in Apt # XXXX for mailing purposes. Point is, I have attempted to pay this debit in full per the amount that shows on my credit report. they are refusing to mark it as a balance in full.
Complaint sub-issue: Fee problem

I am not opted in to overdraft protection yet have been charged multiple overdraft fees.
Complaint sub-issue: Debt is not yours

I WAS CONTACTED XX/XX/XXXX BY A COMPANY CLAIMING TO BE A PROCESS SERVER AT XXXX # XXXX THEY THEN TRANSFERED ME TO THE SO CALLED XXXX REPS. XXXX XXXX AND XXXX. A XXXX XXXX WHICH HAD MY LAST XXXX OF MY SOCIAL # AND FOUR DIGITS OF A VISA CARD FROM CITIBANK WHICH THEY SAID I OPENED IN XX/XX/XXXX, AND HAVEN'T MADE A PAYMENT SINCE XXXX XXXX. THEY DIDN'T GIVE ME A PH # OR ADDRESS TO CONTACT THEM SO I CALLED THE PH # FOR THE SO CALLED PROCESS SEREVER WHICH CAME UP ON MY CALLER ID AS XXXX, XXXX FOR THE PH # OF THE PEOPLE THEY TRANSFERRED ME TO AND HAVEN'T HEARD FROM THEM SINCE. SO I CALLED CITIBANK ON XX/XX/XXXX AND GAVE THEM MY INFORMATION AND THEY HAVE NO RECORD OF MY HAVING AN ACCOUNT OR EVER HAVING AN ACCOUNT WITH THEM. THEY THEN ASKED ME IF I EVER HAD A HOME DEPOT ACCOUNT WHICH I SAID YES CALLED XXXX XXXX XXXX, BUT THEY HAVE NOTHING ON THAT EITHER BECAUSE IT WAS JUDGEMENT SATISFIED AS OF XX/XX/XXXX WITH THE XXXX XXXX XXXX 'S OFFICE, BY XXXX, XXXX, AND XXXXXXXX XXXX XXXX # XXXX. I FEEL THEY ARE TRYING TO SCAM OR FRAUD ME OUT OF SOMETHING I KNOW NOTHING ABOUT AND DON'T EVEN KNOW IF THEY ARE LEGIT!!
Complaint sub-issue: Contacted employer after asked not to

A third party debt collector called my personal cell, my spouse, and then my employer. They disclosed false information to one of my coworkers that I was scheduled to be subpoenaed to court and demanded that he transfer them to me. They also told my spouse that they were being uncooperative because she would n't give me the message without knowing what the complaint was. 

XXXX with Direct Capitalgave the number of XXXX ext XXXXcalled from XXXXalso from XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I requested an investigation to Lexis Nexis because they continue reporting in my risk report the account XXXX I received a letter on XX/XX/2019 in which indicates that they verified that XXXX CASE NUMBER XXXX is accurately correctly reporting. I understand that LexisNexis is not doing its job correctly because in a past claim they sent a letter directly to you stating that this account was deleted from my records ( attached copy of the letter ) I demand to delete that account from my LexisNexis risky report. That UN accurate account is affecting me on my personal information
Complaint sub-issue: Their investigation did not fix an error on your report

Please see attached exhibits regarding Equifax Information Services LLC. 

In XX/XX/2018, I suffered a credit file breach that resulted in numerous fraudulent credit applications in my name and using my personal information. The fraudulent applications were reported by the 3 major credit reporting agencies ; XXXX, Equifax and XXXX.

These fraudulent inquires were eventually corrected and deleted by the 3 reporting agencies, except one item by Equifax, that has NOT deleted the fraudulent inquiry. 

My letter and subsequent exhibits are spelled out in the attached PDF file
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 items 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 items 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 are the list of 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 Balance : {$19000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$4400.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX IN. XXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$89.00} XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX (  Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$110.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax  ; XXXX  and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Problem getting my free annual report

Because of an inaccurate name, address, and account that appeared on my other XXXX credit reports, I wanted to check my Equifax report. I answered their identity-verifying questions accurately, but it rejected me, which REALLY worries me. I do n't know what to do.
Complaint sub-issue: Other problem getting your report or credit score

I contacted Equifax about a month ago and was told that I wasnt me or something like that I answered every question that they asked and still wasnt able to get my report I cant even login to the website even after doing everything right it is time to talk legal action against them if you can point me in the right direction this is the same company that messed up millions of peoples accounts and still have no answers for that someone needs to investigate this company ASAP they dont have my score right or any of my information I am tired of them and something needs to be done about them
Complaint sub-issue: Can't decrease my monthly payments

took out student loan through American Education Services in 2007 and began repayment same year. I was XXXX XXXX XXXX when I initiated the loan. The amount I received was {$21000.00}. With the addition of an origination fee, my original balance was {$23000.00}. Over the past 8 years I have paid a total of {$18000.00}, never utilized any of my forbearance, and my current loan balance is {$21000.00}. I can no longer afford the {$230.00} payment and AES advised me that the only option I have is to place my loan in forbearance, as I have 12 months available. I do not want to do that as while the loan is in forbearance I will do nothing but raise the balance back up. I can only afford a {$120.00} payment. I additionally can not let the payment default as having good credit is a requirement from my employer. I have an unemployed wife ( student ), XXXX children, a mortgage, an auto payment as well as usual utilities and living expenses. I simply can not afford the payment and have been struggling for quite some time. The loan was too easy to receive and this is a prime example of predatory lending. I must have the payment dropped to {$120.00}.