Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2022 I contacted Discover Credit Card to inquire about the status of my disputed transaction. I had informed Discover Credit Card that I had returned a defective item to the merchant and the merchant was not providing me with a refund. 

Discover Card supervisor XXXX stated that Discover declined my dispute and could not help me any further because the merchant never acknowledged I returned the defective item. I informed supervisor XXXX that the item was returned, and the tracking number was provided in the dispute documentation I had previously submitted. Supervisor XXXX stated that Discover could no longer contact the merchant to confirm if the merchant agreed that I returned the item. Supervisor XXXX stated that I needed to contact the merchant and obtain a letter or document showing that the merchant acknowledged that I returned the merchandise. I informed supervisor XXXX that the merchant was not communicating with me because i disputed the transaction and the merchant closed my account. I asked supervisor XXXX if the case could be re-opened so Discover could reach out to the merchant and ask for the required information needed to resolve the dispute. Supervisor XXXX said the case could not be re-opened and that Discover could no longer assist me. 

I also informed supervisor XXXX that I was being scammed by the merchant because the merchant was claiming I damaged the item and was attempting to get a refund on an item I damaged. Supervisor XXXX XXXX stated that Discover could not assist me and that I should seek outside assistance. 

Supervisor XXXX continued to state that Discover could no longer continue with the dispute and that I needed to seek help outside of Discover. For over an hour supervisor XXXX insisted that nothing further could be done by Discover to assist me. I asked multiple time to be helped by a higher level supervisor or someone who could further assist, but supervisor XXXX refused to complete my request. Supervisor XXXX intentionally ended the phone call while I was still trying to speak to him. 

I contacted Discover to inform them of my issues with supervisor XXXX and the intentional termination of the phone call while I was still speaking to him. Discover representative XXXX stated all the calls are recorded but she could not provide me with a call identification number. Discover representative XXXX stated that all complains are handled internally and there was nothing else she could assist me with.
Complaint sub-issue: Personal information incorrect

I mailed off a dispute letter over a month ago. the credit bureau has not responded nor corrected my problem.They are reporting inaccurate information.
Complaint sub-issue: Reporting company used your report improperly

There are many accounts on my report that are inaccurate I would like them investigated and removed XXXX. Date last active, date open account status last time active the list goes on multiple accounts with inaccurate information grounds for deletion " usc 1681 a under the FCRA I have Rights to privacy and my rights have been violated please review documents thoroughly thanks XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

Discover continues to report a debt that is not mine and a result of identity theft.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax numerous times to dispute an account that is not mine and may be a possible case of identity theft. I have no memory of this account.I have asked that this account be removed after exercising my right under Section 609 ( a ) ( 1 ) ( A ), the requirement of creditors and credit reporting agencies to verify accounts through physical documentation, verification of the original signed consumer contract. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.

I have requested such documentation from the original creditor and have not been provided anything. I also requested physical verification from XXXX XXXX, who in turn, removed this account from my XXXX XXXX  Credit file. Somehow, Equifax is verifying data without furnishing any proof of a proper investigation or obtaining the physical proof required by section ( a ) ( 1 ) ( A ) of the FCRA.

When asked about this, Equifax personnel replied that they use the XXXX XXXX  system to verify debts. This is not acceptable. Equifax keeps verifying information that is incorrect by basically matching numbers already in their data base, thus making it next to impossible to remove an account that isn't mine to begin with. This is not a reasonable investigation and their willful noncompliance is a violation of my rights as a consumer.

This is my last step in trying to resolve this issue before seeking relief and monetary damages for violations under FCRA sections 616 & 617
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I spoke with a representative concerning a 30 day late payment that is showing on my  XXXX  and Equifax credit report dated XX/XX/XXXX , I explained to the representative that I was never late and to please fix this with the bureaus. The representative advised me that they could n't go back that far and validate if there was even a late payment that the only thing that he could see was notes that the account was past due at that time. They refused to get this fixed with the bureaus.
Complaint sub-issue: Information is missing that should be on the report

I wanted to get this inquiry remove off my credit report
Complaint sub-issue: Public record information inaccurate

XXXX, Equifax and XXXX is reporting inaccurate Exempt amount numbers and liability amount on my credit file it does not match my records. all companies have responded that the investigation has been completed. however i believe that no REASONABLE and PROPER investigation has occurred due to these violations. 

Furthermore, the companies failed to mark the account as disputed violating 623 ( a ) ( b ) these companies continuously has failed to validate this account further violating FDCPA 809b
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNTS AND INQUIRIES ARE NOT RELATED TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS MUST BE PURGED OFF MY CREDIT FILE. THESE ACCOUNTS ARE REPORTING INACCURATELY ON MY CREDIT AND I WOULD LOVE THOSE TO BE REMOVED.
Complaint sub-issue: Account status incorrect

THERE IS AN UNKNOWN 30 DAY LATE REPORTING FALSELY ON MY CREDIT REPORT FOR XXXX 2017
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX is claiming that I owe them {$490.00} on a XXXX bill that I have no knowledge off, I try to explain to the company that I I do not own this account and they have no proof that this debt belongs to me They are refusing to remove this collection account off my credit report.
Complaint sub-issue: Trouble with how payments are being handled

XXXX XXXX did not apply my Income Driven Repayment recertification to all of my loans serviced by the company, after it was submitted on time. Some loans were reverted to a traditional payment plan. After speaking to two different customer service representatives, I spoke with a manager who admitted that there was an error in processing my loans, but the company refuses to rectify the posted traditional payment plan amount ( {$1000.00} ) and has instead labeled all of my loans as " Delinquent ''. 

On XX/XX/XXXX I submitted my Income Driven Repayment annual recertification. 

On XX/XX/XXXX unconsolidated ( Stafford ) loans were transferred to XXXX XXXX according to records from another loan servicer. These loans were on Income Driven Repayment plans. 

On XX/XX/XXXX my IDR request was approved by XXXX XXXX. 

On XX/XX/XXXX, noticing issues with unconsolidated loans billing me under the traditional payment plan, I contacted the company. Told that there was an issue with my payment plan paperwork. Told that my loans were placed in forbearance while this is rectified. As requested, I resubmitted my IDR recertification request to XXXX XXXX that I had originally submitted on XX/XX/XXXX. 

On XX/XX/XXXX, noticing that {$1000.00} was withdrawn by XXXX XXXX from my checking account, causing most of my household bill payments to " bounce '' for insufficient funds, I again contacted the company. I spoke to customer servicer agent # XXXX and was told that no forbearance was applied to my account, that I had no Income Driven Repayment recertification on record and that I XXXX XXXX could not reverse the transfer. I requested to speak to a manager and was transferred to manager # XXXX. The manager admitted that my IDR request was not processed correctly and she resubmitted my IDR request on all of the loans serviced by XXXX XXXX. The manager refused to make my payment plan retroactive to XX/XX/XXXX, when my original IDR recertification was accepted by XXXX XXXX. I was told that although XXXX XXXX made an error, I was responsible for the outstanding amount of {$1000.00} that XXXX XXXX withdrew from my account.

I submitted a transaction dispute to my bank ( XXXX XXXX ) and on XXXX/XXXX/XXXX, the bank finalized the reversal of the transaction in my favor. 

I submitted a complaint to the Federal Student Loan Ombudsman ( US Dept of Education ) about not being able to resolve this issue with XXXX XXXX, and received a reply on XX/XX/XXXX that the office " is not taking action on this matter. '' The Ombudsman directed me to lodge a complaint to the FSA Feedback System ( US Dept of Education ). 

On XX/XX/XXXX, after reviewing my dispute, I submitted a complaint to the FSA Feedback System. I am awaiting a response.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I have been a public XXXX XXXX since XXXX of XXXX. I am still XXXX  currently as of XX/XX/XXXX. I feel as though I QUALIFY for my federal student loans to be forgiven at this point. 

1. The first few years of XXXX my servicer put me in a EXTENDED period of forbearance without offering me IBR, IDR or PSLF as an options. In XXXX of XXXX, Biden announced that those borrowers who were WRONGLY put into extended periods of forbearance, WILL HAVE those years count towards the 10 years required for PSLF. With those years added into my payment count, I should now qualify for forgiveness, or be extremely close to the 120 months required. 

2. I have applied with FEDLOAN ( my current servicer ) over 4 times for the PSLF program and keep getting denied. My payment counts ARE INACCURATE and those years of extended forbearance have not been counted towards the 120 required payments. I was never offered IDR or IBR or PSLF the first few years of XXXX. I was WRONGLY taken advantage of by my loan servicer. 

I should be able to qualify for forgiveness at this point and FEDLOAN is not including those years of forbearance in my payment total. My account is inaccurate and I should be qualifying for PSLF at this point.
Complaint sub-issue: Information belongs to someone else

I have been working so many time with the Credit Bureau about identity fraud on all three of my credit report summary. XXXX, XXXX, and Equifax have on my credit report that I was an victim of identity fraud, but I have alerts coming to my email address to let me know that someone have use my Social Security number. The creditors should be calling me to verify that I 'm the person that is making the inquiry on my credit report. I never receive a call from the creditors about opening up new credit or etc. I have been calling the Credit Bureau about taking the inquiries off my credit report, but every time I talk to a rep the issue never get resolve. All three credit bureau on an police report on file about me being an victim of identity fraud. I need the following hard inquiries off my credit report, because of identity fraud : XXXX : XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), Equifax XXXX ( XX/XX/XXXX), XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX   XXXX  ( XX/XX/XXXX ).

Equifax : XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ).

XXXX : XXXX  ( XX/XX/XXXX ), Equifax XXXX  ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX), XXXX   XXXX ( XX/XX/XXXX), XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( 1XX/XX/XXXX ), and XXXX XXXX  ( XX/XX/XXXX ). 

Need to have these items removed off my credit report or I will file a lawsuit all three credit bureau for not following through with a victim for preventing identity fraud.
Complaint sub-issue: Was not notified of investigation status or results

OnXX/XX/XXXX, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My complaint is regarding XXXX XXXX XXXX. They placed an unauthorized inquiry on my Equifax credit report on XX/XX/2019 and they have not yet taken it off. I am victim of Identity  theft and this has been reported to the 3 Credit Bureaus and Law enforcement, please see below. Personal statement ( s ) XXXX &XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

ON XX/XX/XXXX XXXX XXXX XXXX XXXX SUBMITTED PAPERWORK TO ALL 3 BUREAUS REQUESTING THE COLLECTION ACCOUNT BE REMOVED FROM MY CREDIT REPORT. THE ATTACHED LETTER SHOWS IT ALL. AS OF X/X/2017 THE AGENCIES ARE SAYING THEY HAVENT RECIEVED ANY SUCH NOTIFICATIONS.BUT WE CALLED XXXX XXXX AND THEY ENSURE IT WAS SENT ON X/XX/2017 TO BE REMOVED.
Complaint sub-issue: Banking errors

I opened US Bank checking account XXXX around XXXX US Bank requested me to make opening deposit of {$100.00} and I did so. However, without my request, US Bank did 3 transactions on XX/XX/XXXX : deduct {$100.00}, add {$100.00}, deduct {$100.00}. It caused {$100.00} deduction in the balance of the checking account. Around XX/XX/XXXX, manager of a USBank branch, XXXX XXXX, promised me to find out why. However, I did not receive anything as of this writing. US Bank is the initial place from which a customer lost money. US Bank should proactively help its customer to recover the loss. I request US Bank to refund the {$100.00}. 

I filed Complaint to XXXX  ( ID # XXXX ). 

XXXX XXXX, Senior Customer Care Specialist of U.S. Bank Customer Service, said on XX/XX/XXXX : " Our records confirm, your account ending in XXXX was opened with a {$100.00} deposit. We received a dispute for this deposit which was found in the cardholders favor, and the deposit was reversed on XX/XX/XXXX. '' My reply ( XXXX  ) is : " Who is the cardholder? What card was used to make the deposit? Who initiated the dispute? The simple fact is : I lost {$100.00} from my US Bank account. I deserve to know why and how. I deserve detailed explanation. " XXXX XXXX, Senior Customer Care Specialist of U.S. Bank Customer Service, said on XX/XX/XXXX : ( no answer to my questions ) " The Payment Card Industry ( PCI ) regulates banking industries and restricts financial institutions from retaining debit and credit card numbers with their security code and expiration date. To confirm, we do not retain and are unable to view the credit card number used to initiate the opening deposit. '' XXXX said ( XX/XX/XXXX ) : " Upon review, the XXXX  has determined the company has chosen to remain firm in their position and not offer an alternative resolution. Please understand that the XXXX  is not an enforcement agency and we can not compel a company to do exactly what a consumer requests. The XXXX  has closed this case. 

XXXX appreciates the time you took to inform us of your experience with this company and will include it in their file. Your case will be reported in the company 's XXXX Business Review for other consumers access. It will remain on their record for 36 months, our standard reporting period. We will use it to note any trends or pattern of complaint activity and, should one be noted, will forward our case notes to the proper state regulatory agencies for their review and possible enforcement. '' In summary, XXXX XXXX, Senior Customer Care Specialist of U.S. Bank Customer Service, did not answer customer question about losing {$100.00}.
Complaint sub-issue: Information belongs to someone else

Ive contacted all 3 credit bureaus and creditors and nothing was done to remedy the fraudulent information on my credit profile.
Complaint sub-issue: Information belongs to someone else

XX/XX/2022 XXXX Certified mail documents verifying my identity to dispute the reports on my credit are inaccurate Notify by phone about said issues with my credit report as invalid Identity Theft
Complaint sub-issue: Information is missing that should be on the report

My XXXX credit card was removed from my Equifax report. I have have tried numerous times with both companies to resolve this. Equifax told me in the last in XXXX and XXXX that they reached out to XXXX and they did not respond. It has affected my score for some time now. Its like talking to a robot. One company blames the other for the card being removed completely. Spent hours and hours on the phone making disputes in writing as well.
Complaint sub-issue: Attempted to collect wrong amount

Good day, My son obtained a loan from XXXX XXXX in the Fall of 2018. Recently XXXX XXXX sold off the loan to Firstmark Services. We were under the Federal loan forbearance with XXXX XXXX, of which Firstmark Services is now trying to collect the debt. 

Are these loans still under Federal forbearance or can they now just claim them as private loans? 

Thanks for any additional information. 
XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

Iam 3 weeks late on a payment. I tell them when they call that I will pay them Friday XXXX XXXX, 2016. I wo n't secure the payment with a card till that date so the calls wo n't stop. thats fine. But they call me several times a day after I have asked them to stop. Told them once a day is fine, but if nothing financially for me changes from day to day, it certainly wo n't Change from hour to hour.
Complaint sub-issue: Information belongs to someone else

I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions and to remove these unknown accounts and inquiries. These accounts are definitely not mine. I kindly ask you to help me because I do not recognize these accounts. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.
Complaint sub-issue: Their investigation did not fix an error on your report

I am submitting my complaint as my original inquiry was not addressed. CFPB dispute case # XXXX. 

Equifax simply repeated the same information they have been telling me since XX/XX/XXXX. When I mention that to them they tell me it is the creditors fault. Since there is more than one, I know that is not true.
Complaint sub-issue: Their investigation did not fix an error on your report

The account is not accurate or mine.
Complaint sub-issue: Their investigation did not fix an error on your report

The credit accounts stated on my credit report as delinquent or charged off is baseless in fact. The creditors in question is using the doctrine of account stated. There is no signed contract, nor is there any proof that the account is mine, there is no proof that I used the card in question or agreed to any alleged debt reported by the lender in question. Their claims are completely baseless and must be deleted since there is no proof of any contract between me and them, and therefore there is no permissible purpose under the law to report this data on my credit report. 

Please Delete the following accounts. 

1. XXXX XXXX XXXX account ( # XXXX )
Complaint sub-issue: Information is not mine

I 'm tired of the bureaus ignoring me and not assisting me. I have inquiries on my file that I did not authorize and they are in charge of making sure that my file is correct and accurate. I reached out to them as well as the companies that put the inquiries on my file to no avail. I do n't understand why no one will assist me and the reply from the bureaus I receive is that inquiries are made when companies pull my file and are a matter of record. I do n't need an explanation, I need for them to be removed! I did n't make these inquiries, I didnt authorize them and they need to remove these immediately! 
Equifax unauthorized inquiries : XXXX on XX/XX/XXXX
Complaint sub-issue: Debt is not yours

Pursuant to the Fair Debt Collection Pr actices Act, 15 USC 1692g Sec. 809 ( b ), MACYSs claim was disputed and validation was requested. I did NOT ask for a verification or for a letter of explanation, but a request for VALIDATION made pursuant to the above named Title and Section. I request that MACYS provide me with competent evidence that I have any legal obligation to pay them. To provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor