Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Transaction was not authorized

I had my car broken into while I was out on quick jog. My wallet was under my seat, but the theft broken my window of my car and snagged my wallet. While I was out on the run, they ran to and used my card at various places. I was able to get my funds back, except for with Square that has provided me with poor customer service. They have closed the case, even though it was still in the " investigative process. '' I have supplied them with a police report, documentation, photos, evidence, and approximate time that the theft used my Square card in person at XXXX and XXXX XXXX. They went to the store all within a matter a XXXX min and used whatever they could during that time, this shows and reflects on my account. As of right now, the fraud charges have ruled in " favor of the merchant. '' However, I couldn't get them to confirm or explain to me why it wasn't ruled in my favor. Unfortunately, I can not get them to confirm the police report # I sent month ago, as that claim has ended. The only way to communicate with them is via email and when I respond to that email thread, it said the case was closed due to a 2 week inactivity even though the Square representative told me that it can take up to 45 days for the review process of fraud charges. As of right now, I do not think they actually used the evidence I sent them and it was not represented well on my behalf. I am extremely disappointed in how Square is handling this and I believe that they are not following the legal process. 


Here is the email thread from before : Hello, Thanks for the email! Please see pictures attached of car break in! The two transactions that are fraudulent are : XXXX XXXX XXXX {$51.00} XXXX {$180.00} Please let me know when this information has been received and is being processed. As well as the timeline to get a refund on these items. 

XXXX XXXX sent on XX/XX/21 with photos attached, police reports, etc.
Complaint sub-issue: Debt was result of identity theft

I have disputed this account as a fraudulent account. I filed a police report, signed an affidavit and submitted an FTC Complaint. Since then the original account from XXXX XXXX XXXX was removed from my credit file. But also since they have sold the account to 3 collections agencies. 1st- XXXX XXXX XXXX 2nd- XXXX XXXX and now 3rd to I.C Systems. I have not received an communication from the collection company or else I would have told them it was fraud. I should not have to be subject to my private information being used and sold to a potentional fraudster. I am a victim of ID theft and this account should have never been able to be sold for a 1st 2nd or 3rd time. 
**** Please Note the Fraudulent account was removed each time from each collection company. However the I.C Systems account which was placed on my credit file in  XX/XX/2019, was not. ***** This account needs to bee removed from my file again for the 4th time. Im going to have the Consumer Financial Protection post/pin this information because I am sure I am not the only one that this is happening to. Having to send my personal documentation every time XXXX XXXX XXXX and their 3rd parties try  to asesnate my character has become more time consuming and costly and it is affecting my good name and ability to manage my personal well being.
Complaint sub-issue: Their investigation did not fix an error on your report

My vehicle was paid off XX/XX/2013 and was reported incorrectly as a Charge-Off. I filed a dispute with Equifax twice with proof of title and payoff, and then contacted them by phone. They told me to contact XXXX XXXX and have them send proof to Equifax. I did as they told me, however it was not corrected. I contacted XXXX XXXX and they confirmed that the correct information had been sent out on two different occasions to Equifax. When I contacted Equifax again, they said all I could do was submit a consumer statement. Over the years this " Charge-Off '' has impacted my credit score and I have suffered a lower score than what it should be.
Complaint sub-issue: Debt is not yours

XX/XX/21 - MRS BPO LLC collections agency sent me a letter stating that they are attempting to collect {$300.00} balance owed. 

XX/XX/21 - I sent a debt validation letter requesting that they validate the debt XX/XX/21 - The letter that was sent via certified mail was delivered. 

XX/XX/21 - It has been more than 60 days and the debt has not been validated. The collection agency is non-compliant with the FDCPA. This company may not attempt to damage my credit report.
Complaint sub-issue: Didn't receive enough information to verify debt

I purchased a used XXXXXXXX XXXX XXXXXXXX vehicle from XXXX that was financed through XXXX XXXX XXXX On XX/XX/XXXX. I made monthly payments on the vehicle until XX/XX/XXXX at which point I took the vehicle in to a dealership to trade in towards the purchase of a new vehicle. In doing so, I as well as the sales team contacted XXXX XXXX XXXX numerous times attempting to get a payoff balance so that the value of the XXXX could be applied to my new loan, and I could be credited for the trade in. Not only were we given numerous different totals, but every instance of trying to call in the payment was met with being placed on hold until we gave in and hung up. The dealership ended up securing funding for my new vehicle without the trade in value applied and sent me on my way. I was called twice after by XXXX XXXX XXXX in an attempt to take my monthly payment, and both times asked to be given a final payoff amount to no avail. Eventually XXXX XXXX XXXX repossessed the XXXX XXXX with many of my belongings still inside, and from what I am told, sold the vehicle at auction, and placed an account into collections against me for a random amount of money. They have made it so that there is a collections account on my credit report for over {$4000.00} due to some Jefferson Capital Systems.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax claims that they corrected and updated all the information regarding my XXXX XXXX account. They have listed date of last activity as being correctly reported alongside they verified account as being accurately reporting, I have attached their response to my complaint. an investigation result from equifax regarding this issue alongside a current copy of how my account is reporting on my file. 
Please have equifax the XXXX XXXX  .NO other credit bureaus are reporting this account.
Complaint sub-issue: Public record information inaccurate

They are reporting third-party information that is inaccurate.
Complaint sub-issue: Account information incorrect

Per the Fair Credit Reporting Act XXXX and Equifax are reporting inaccurate information on my credit report from furnisher XXXX XXXX XXXX  account # XXXX which is a major United States Consumer Credit Reporting Violation! 
The balance being reported on my XXXX Credit Report is showing {$1000.00} and from the same account, Equifax is Reporting the balance as {$10000.00}, this is a major violation, Also on the same account XXXX is reporting the High Credit {$16000.00} and on this same account Equifax is reporting the High Balance as {$10000.00} which is another FCRA violation!, Also XXXX is reporting the date last reported as XX/XX/XXXX, and Equifax is reporting the Date last reported as XX/XX/XXXX which is another FCRA violation!, also XXXX is reporting the Date Last Active is XX/XX/XXXX and Equifax is reporting Date last Active is XX/XX/XXXX which is another FCRA violation!, Also XXXX is reporting Date of Last Payment was XX/XX/XXXX and Equifax is reporting Date of Last Payment was XX/XX/XXXX which is another violation of the FCRA! also both agencies have not put the status of the account as " In Dispute '' which is a Violation! XXXX has followed the law and deleted this account for inaccurate information while XXXX and Equifax are still reporting this account inaccurately and it should be deleted from my credit report immediately! Also 15 U.S.C. 1681 Section 602 A. States I have a right to Privacy, Also this account is reporting inaccurate name, address, and phone number associated with this account which is another Violation.
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/XXXX, but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Discover Card I have disputed two charges in the {$300.00} range to my credit card account in the last year and no matter my argument about the charges they always side with merchants. It seems odd to me that they always side with the merchants because other credit card companies tend to agree with the customers if there are charge disputes.
Complaint sub-issue: Account terms

I have in the past dispute collection agencies derogatory remarks on my credit report. They have been removed and keep reappearing on my reports. These remarks have been removed from XXXX, yet after requesting them to be removed from equifax and XXXX they still remain. This is preventing me from obtain my mortgage loan. I think the XXXX credit bureaus should be communicating and reporting the same information. Or dissolve them to XXXX national credit bureau, as this is very time consuming to work with XXXX bureaus to clarify my credit information ... .PLEASE HELP
Complaint sub-issue: Information belongs to someone else

I found these accounts on my profile 1. XXXX XXXX XXXX - {$5700.00} on XX/XX/XXXX 2. XXXX XXXX - {$460.00} on XX/XX/XXXX 3. XXXX XXXX XXXX XXXX  {$1100.00} on XX/XX/XXXX 4.  XXXX XXXX  - {$4100.00} on XX/XX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

I received a copy of my Equifax credit report and noticed my score dropped XXXX points due to XXXX XXXX being added back to my report without any notification from Equifax or XXXX XXXX. I advised Equifax that this account is in litigation and that it needed to be removed. Equifax removed the account and XXXX later they added the account back with no notice. This account is still in litigation. This is causing me to have emotional stress and I feel like I am losing my mind and I am having nightmares due to this stress of this situation. I am in the process of applying for employment and hope to be purchasing a home also. I demand this account be deleted immediately.
Complaint sub-issue: Investigation took more than 30 days

I asked for XXXX XXXX XXXX to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed. It also violated 15 U.S.C.A 1692 and 623.
Complaint sub-issue: Their investigation did not fix an error on your report

I am filing a complaint because XXXX, has ignored my request to provide me with the documents that their company has on file that were used to verify the accounts I disputed were in fact accurate. Being that it has gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to ... promptly delete all information which can not be verified. '' that I have disputed inaccurate. Please resolve this matter as soon as possible. Thank you
Complaint sub-issue: Debt is not yours

In 2017 I was with XXXX. XXXX  told me that if I switch from XXXX to their service they would pay my balance at XXXX. So they ported my number from XXXX and gave me the account. When I called about the balance they said to send them an email I sent them over an email with the XXXX bill and they never handled it. Now I am having financial hardship because there is an outstanding debt with 11 XXXX Enhanced recovery company.
Complaint sub-issue: Was not notified of investigation status or results

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1.This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

3. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.4. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.

7. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.

5. This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Problem getting your free annual credit report

I recently discovered that I am a victim of identity theft. Today, I attempted to request a copy of my Equifax report from the XXXX website. One of the last steps in requesting the report was to answer a set of 4 ( four ) questions to verify my identity with multiple choice answers. The questions were : Question # 1 : Your credit file indicates you may have an installment account ( personal loans, electronic/appliance accounts, jeweler accounts, auto loans, etc. ) opened in or around XXXX XXXX Who is the credit provider for this account? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of the Above I chose " None of the Above '' because I do not have any installment accounts. 

Question # 2 : What is the total monthly payment for the above-referenced account? 
{$50.00} - {$99.00} {$100.00} - {$140.00} {$150.00} - {$190.00} {$200.00} - {$240.00} None of the above I chose " None of the Above '' because I do not have any installment loans. 

Question # 3 : Your credit file indicates you may have a student loan opened in or around XXXX XXXX Who is the provider for this account? 

XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the Above I chose " None of the Above '' because I do not have any student loans. 

Question # 4 : Your credit file indicates you may have a mortgage loan, opened in or around XXXX XXXX Who is the credit provider for this account? 

XXXX Bank XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Bank XXXX of the Above I chose " None of the Above '' because I did not open a mortgage loan in or around XX/XX/2016. 

I then received the following message. I am typing it verbatim as is appeared to me : We have experienced an issue processing your request We-re sorry, we are unable to process your request at this time. Please contact our Costumer care Team at XXX-XXX-XXXX for additional help completing your request. The Costumer Care team is available between HOOP, DOOP. 

AGAIN The message I received is verbatim the way it was presented to me. I did not make any typo 's or mis-spell any words. The message spelled the word Customer as Costumer and the word We're and we-re and it actually said the Costumer Care team is available between HOOP DOOP. 

Please explain this to me. 

I may be reached by email at XXXX or by phone at XXXX. My name is XXXX XXXX. 

Thank you
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Report act XXXX XXXX account # XXXX, and XXXX account # XXXX, Has violating 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: Their investigation did not fix an error on your report

On XX/XX/XXXX, I have sent a dispute to Equifax to remove the following negative accounts showing on my credit report. They have not removed any of those negative accounts after I asked them to provide me the original consumer contract for each of those accounts according to the federal fair credit reporting act. They have not done so.
Complaint sub-issue: Their investigation did not fix an error on your report

Submitted a complaint ID XXXX and received a response from Equifax that the item is not reporting, which it is. Also they have failed to respond to previous disputes within the 30 days time allowed by law. See attached docs
Complaint sub-issue: Account status incorrect

On XX/XX/2021 I reached out to XXXX  XXXX XXXX to remove a late payment reporting because of an error with my bank when my account was compromised. 

On XX/XX/2021 a representative of XXXX XXXX XXXX named XXXX reached out to me via email stating that they have removed the late payment from my account. 

On XX/XX/2021 I sent a follow up email to XXXX from XXXX XXXX XXXX stating that XXXX had not removed it and that each time it is disputed with XXXX, XXXX  XXXX XXXX marks it as verified and will not adjust the late reporting. 

On XX/XX/2021 XXXX from XXXX XXXX XXXX sent a follow up email stating that it has already been removed and they won't report on a request that comes from the credit bureau.
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 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 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: Problem getting report or credit score

I keep getting turned down and have been told to get my credit report for free and to check my score. Well I should n't have to pay for this if I 've been turned down. Please help me. This is so unfair. I have scores with my XXXX and my XXXX XXXX tracking and I do have an average score but none are showing when I 'm applying for a simple collateral loan of {$2000.00}.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX , FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Account information incorrect

The Bank/Mortgage company said that I was late on my payment but the Late payments are unverifiable. The company has not verified the dates of late payments.
Complaint sub-issue: Information belongs to someone else

These information should not be included in my report since I did not make them. I meet the standards for Block and Remove information on my credit report under 15 USC 1681c-2.