Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem during payment process

My son has been XXXX since XXXX. Me his mother have been attempting to make his cc payments to Discover card. XX/XX/XXXX Discover card refused to take a payment from me. I never called requesting information or wanting any information regarding this account - simply to just make the payment. It is documented in the system that they refused the payment even after I explained to them what was happening with my son. I did not have his mail so was unable to mail in a payment. Month after month I called and they refused. XX/XX/XXXX I spoke with XXXX, who told me as XX/XX/XXXX Discover card charged off the account. She went on to say she would be glad to take a payment but could not discuss the account. She said once given permission they would discuss options. She was asked why take a payment now that the account is charged off - when this could have been avoided had they taken the payment months ago, month after month. XXXX - permission was received to speak with my mother regarding the account. She explained he situation - stated she wanted to make the payments have the account reinstated and my credit history updated because it was not like we were not attempting to make the payments - DISCOVER was refusing to take them until the account charged off. XXXX, who said the account was charged off. XX/XX/XXXX spoke with XXXX XXXX - manager who said it was charged off and that was it all we could do is pay and nothing else. XX/XX/XXXX called Discover and XXXX to XXXX, who confirmed that XX/XX/XXXX Discovered refused payment it was documented in the system. He went on to say that the policy changed and they can now accept payment. It was explained to him that if that is the case then the account and the account holder should be made whole. He went on to say he did not see any calls regarding the account. It was explained to him that the regular number was called. XX/XX/XXXX - explained to XXXX we wanted to set the account on autopay and have the account reinstated remove late charges and have credit to no longer reflect negative due to them not accepting payments. XXXX said once charged off they were not taking it back and we could dispute it with XXXX - She said balance was XXXX could settle for XXXX and it still show negative on the account. 
XXXXThey wanted us to accept a settlement but did not want to send it out for us to review. XXXX said we had to verbally accept it first then they could sent it out. We explained that we should be able to review to see if it is in my best interest first. She said she could not do that. Discover stood in the way of this account being maintained successfully. Although, my son was not able to make payment he had someone willing to pay the card, not get information, or any thing additional about the account simply pay money and they refused it. Now they want to charge off the account and negatively impact his credit. It is unethical and simply wrong and distasteful. 

I am not a joint holder or card holder of the account - I am the parent of the account holder who is authorized 3rd party to discuss the account and make payments.
Complaint sub-issue: Account information incorrect

Disputed with the company on XX/XX/XXXX, it is now XX/XX/XXXX and I have yet to hear back from the company. The FCRA gives the company 30 days to respond, I have not gotten a response
Complaint sub-issue: Was not notified of investigation status or results

Over a period of time I have been contacting each creditor & bureau regarding inaccurate debts reporting to my credit file I have contacted each creditor & bureau regarding them going against the fair credit reporting act section 609 & 611. To my nature the law states that creditors & bureaus are all supposed to report 100 % accurate information in this case they are not. To be more specific these creditors & bureaus are reporting inaccurate debts which is bringing my credit file down tremendously & when I ask for a written response showing the validation from the creditor to bureau I keep getting prolonged or not getting all the information I asked for or they would report another inaccurate date, balances, open account date & then say its validated. 

Credit bureaus XXXX, XXXX, & Equifax have been going against the rules they are supposed to follow & have not been providing me with the proper documentation from each creditors Creditors are updating my file through a computer generated system when I asked for all of the proper documentation showing the accounts they validate I still have not receive the proper documentation & under law of the FCRA each of these accounts reporting on my credit file should be removed. 


I have sent Equifax XXXX & XXXX documents properly showing where everything is inaccurate that they are reporting onto my file even though its right there for them to see. These companies know they are wrong & I am demanding a change I am demanding that they remove these accounts by law or they will get sued for that I have been dealing with this problem for a while now & i am no longer accepting this! 


The companies are : 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
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act U.S. DEPARTMENT OF EDUCATION # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Account information incorrect

XX/XX/XXXXhas negative information and out dated information severely impacting my credit report. This is TERRIBLE
Complaint sub-issue: Overdrafts and overdraft fees

I have two overdraft fees when I should only have one. I recently changed my car insurance provider and therefore the " auto-pay '' date changed and came in earlier than my I was used to and therefore I was overdrawn on Monday XX/XX/XXXX. However I deposited a check on Sunday XX/XX/XXXX and called PNC on Monday to discuss the ramifications of being overdrawn by an ACH I was assured that the check that I deposited would clear in time to avoid the overdraft fee. It did not. This morning I see that I have TWO overdraft fees. I am only asking that ONE overdraft fee be reversed. I called PNC this morning, Tuesday XX/XX/XXXX and the operator is unable to reverse the fee. Ref # XXXX. You would think that after doing business with the bank for over 20 years that there might be some courtesy or consideration. Now I am on social security and unemployment insurance so money is tight. Where is my friendly neighborhood bank?
Complaint sub-issue: Debt was result of identity theft

Someone stole my identity to get a car loan with XXXX XXXX XXXX for XXXX XXXX dollars and it has now been passed down to Jefferson Capital sy for collection. When i have informed them the account is fraudulent and i did not authorize the account.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a dispute with Equifax on XXXX XXXX XXXX. I requested that the debt be validated and ownership of the debt be proved. I have a right to seek these 2 things under the Fair credit reporting act. Equifax ruled in favor of XXXX XXXX. Equifax or XXXX XXXX have yet to provide proof of this debt ( debt validation ) or ownership of this debt by XXXX XXXX XXXX. I filed a fraud complaint against XXXX XXXX XXXX with the SC Attorney Generals office. I submitted in my complaint the information that XXXX XXXX XXXX and Equifax have used to claim this is a valid debt. The SC attorney Genrals office agreed with me that the information supplied by Equifax and XXXX XXXX XXXX does not meet the legal requirement of debt validation nor has XXXX XXXX XXXX provided legal proof of ownership of this debt. XXXX XXXX XXXX is currently under investigation by the SC Attorney Generals Office for fraud. Here is the investigation # XXXX. XXXX XXXX XXXX has numerous complaints for making up fraudulent debts and submitting them to Equifax to scam people into paying these fake debts. I want Equifax to provide me with legal proof that this debt exist. The SC Attorney Generals office has went on record and said the documents so far that Equifax and XXXX have provided me do not meet the legal requirement for debt validation or debt ownership. I want to see the information Equifax used to rule in favor of XXXX XXXX in my dispute. Equifax is knowingly allowing XXXX XXXX XXXX to commit fraudulent acts. The CFPB is allowing Equifax and XXXX XXXX XXXX to continue to commit these fradulent acts, The attached document that Equifax supplied that they claim validates this debt and ownership of this debt by XXXX XXXX XXXX does not even meeet the standard of teh CFPB for debt validation and ownership yet the CFPB refuses to take action against Equifax and XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I mailed a certified dispute letter to Equifax Information Services LLC on XXXX to investigate this incorrect/negative item and I haven't got a responds in the proper time frame.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$8300.00} ; XXXX XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXXXXXX Balance : {$650.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} ; XXXX  XXXX XXXX Balance : {$8800.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2015 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXX XXXX was sent a challenge on XX/XX/2022 and has failed to respond within 30 days of investigation. 

XXXX XXXX XXXX XXXX was sent a challenge on XX/XX/2022 and has failed to respond within 30 days of investigation. 

XXXX XXXXXXXX was sent a challenge on XX/XX/2022 and has failed to respond within 30 days of investigation.
Complaint sub-issue: Reporting company used your report improperly

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/2018, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. XXXX XXXX failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment, dated XX/XX/2018, created Summary judgment, dated XX/XX/2018, and Final judgment, dated XX/XX/2018, with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
Complaint sub-issue: Was not notified of investigation status or results

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Complaint sub-issue: Their investigation did not fix an error on your report

Called and disputed online on multiple occasions about fraudulent inquiries and an account from XXXX  XXXX that is not mine and that i did not authorize.
Complaint sub-issue: Information is missing that should be on the report

XXXX used a bait and switch tactic to trick me into paperless billing in order to save costs on paper and postage. There should not be a popup that asks the question in deceptive way. I never remember opting out of paper billing. THe end result is that I did not pay my minimum for two months. When I found out through a telephone call, I immediatley paid the amount due and the late fees assessed. I asked that my credit report be corrected as I have never missed a payment or defaulted on an amount owed in my XXXX  years. I also explained that I needed paper billing due to a memory condition that I could validate with a letter from my XXXX. They still refused to remove the late payment, which is destroying my credit rating and has caused me to pay a higher rate on a recent mortgage that I applied for. The paperless billing pop ups are deceptive and misleading and are worded in a pay that infers the saving of natural resources. They do not pose the question obviously as a yes or no.
Complaint sub-issue: Deposits and withdrawals

I am trying to set up accounts for my children for a credit card company called XXXX, in order to teach them responsible credit usage and to teach them how to earn money by doing chores. 

PNC Bank wont allow me to link my checking account to XXXX.
Complaint sub-issue: Information belongs to someone else

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 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.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Their investigation did not fix an error on your report

I notified XXXX  and Equifax that I an a victim of identity theft and they said that they verified a fraudulent account. How can a fraudulent activity be verified as not fraudulent, please again see attached police report and ftc report along with my identification
Complaint sub-issue: Threatened or suggested your credit would be damaged

I had been promised immediate treatment if I paid {$550.00} for a dental consultation and x-rays. The dentist took the money and did not fulfil the promise of immediate treatment to cure the pain I was in. 
I filed a dispute with XXXX on the credit card I used for payment and won a permenant credit of {$550.00}. 
The Dentist has not honored his contract as a credit card merchant and has filed with a collection agency for the dismissed debt including additional charges. The collection agency filed this collection with XXXX and caused my XXXX score of nearly XXXX points to drop by XXXX points. 
I need help with this abuse to restore my credit and force the Dentist to honor the contract he signed as a credit card merchant. I have found both the Dentist office and the collection agency to both be unethical in attempting to ruin my credit as retaliation to the unfavorable decision that was made against them in the dispute thy lost.
Complaint sub-issue: Reporting company used your report improperly

I have tried resolving this issue several times via phone and disputing by mail. They are in direct violation of several FCRA federal laws. The laws are as followed : Section 609 ( a ) ( 1 ) ( A ) : I have requested they provide me with proof of this alleged item, specifically the contract, note or other instrument bearing my original signature. In which they have not done so. Failure in providing me with this information must result in immediate deletion from my report. 

In accordance with Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the FCRA that states with proof of identity theft that the information most be removed and blocked within 4 days upon receipt of the correspondence. Which I provided notarized copies of my police report and identity theft that I received from the FTC. Only to receive a response from the credit report agencies that the information remain and or updated. Which is a direct violation. 

In accordance with the Fair Credit Reporting Act your agency 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 consent or instructions.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Received bad information about your loan

I called on XXXX/XXXX/XXXX to find out why my loan paperwork on XXXX site stated that my loan would be paid off in XXXX. When I took the balance ( {$15000.00} )@4.5 % interest to a auto loan calculator, I found that it should pay off within 7-8 years and not 12 years ( XXXX - XXXX ). I then went to a representative to ask what was going on. My account says that Loan 1 payment is {$10.00} and for Loan 2 - {$150.00}. This brings a total of {$160.00} and I have been paying {$170.00} for years. The rep told me that under billing and payments that {$11.00} for Loan 1 and {$150.00} for Loan 2 was being applied. This totals the {$170.00}. I do n't understand the difference. There is something very wrong here with the online information ( not up to date, incorrect, misleading, etc ) or the rep was just trying to please me to get off the phone. I just do not understand. Are my funds going elsewhere and why the year XXXX? I would be XXXX years old when it is paid. I even asked the rep to tell me when this debt was going to be paid off. She said somewhere inbetween 7-8 years which matches the {$210.00} for a 7 year auto loan. I still do not understand why my account is so far off and I do not believe my money has been totally applied to my student loans. Again, there is something awry here and it is illegal as far as I am concerned.
Complaint sub-issue: Problem with personal statement of dispute

There are 2 things showing a collection on my credit report and neither one I have any knowledge of and were not my accounts. The first one is AFNI, INC/SPRINT for {$770.00} and the second one is XXXX XXXX, XXXX XXXX  for {$800.00}. I've never had either one of these accounts.