Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card was charged for something you did not purchase with the card

On Sunday XXXX XXXX, 2022 My credit card was stolen from my mailbox and activated without my consent. Neither myself or anyone in my immediate party activated nor used this card. I opened the account to have a safety net for my vacation. Unfortunately this card did not show up before I left. The transactions started around XXXX Sunday morning. whoever took and activated it went on a shopping spree and tried to get what they could as quickly as possible. All of the transactions took place in XXXX Washington. This would have been impossible for me to perform due to the fact that I was on a plane from XXXX XXXX  returning to XXXX. The first transaction took place at XXXX on XXXX XXXX XXXX XXXX XXXX, WA XXXX at XXXX am Sunday XXXX XXXX, 2022 in the amount of {$370.00}. The second transaction took place at XXXX on XXXX XXXX XXXX XXXX, XXXX, WA XXXX at XXXX Sunday XXXX, XXXX, 2022 in the amount of {$69.00}. The third location was smoke city for less on XXXX XXXX XXXX XXXX, XXXX, WA XXXX at XXXX on Sunday XXXX, XXXX 2022 in the amount of {$96.00}. The fourth location was at XXXX  on XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX at XXXX in the amount of {$88.00} on Sunday XXXX, XXXX, 2022. When I landed in XXXX XXXX XXXX I received notification of fraudulent activity, which I immediately responded to. I shut off the physical card and alerted my company that the activity was indeed fraudulent. They have opened an investigation. Terminated my pervious card and have sent a new one. This will be the next step to make sure my identity wasn't stolen.
Complaint sub-issue: Confusing or misleading advertising or marketing

See my prior complaints filed against them DriveTime and XXXX XXXX XXXX. Has been a game of cat and mouse and cant get straight answers from either. Both company 's push blame for miscommunication on each other. My latest complaint and question is what gave them the consideration and/or details of what went into me getting a higher interest rate on my new contract with them after they bought back my other vehicle. XXXX has stated that when I had signed my new contract that my other loan was still on my credit so it went into the consideration for my new interest rate on my current vehicle. What was used to justify me getting a higher interest rate on a vehicle that I actually financed for {$100.00} less than my other loan which was deleted? I was given a higher interest rate and over the life of loan I am paying over {$600.00} more because of the higher interest rate and 3 more payments. all of my other on time payments that my other contract showed should if anything made my interest rate stay the same not go up if anything should go down. Upon calling XXXX and asking what goes into consideration on getting an interest rate I was told by XXXX who nows my case well that XXXX doesn't set the interest rate the dealership does so this is my question how is this justifiable.
Complaint sub-issue: Information belongs to someone else

My identity was stolen and someone applied for a student loan.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been given a copy of the FTC required documents to properly block the fraudulent accounts reporting on my equifax credit file. For 6 months now they have verified the information with the creditors and refuse to block information that has been reported to police and FTC. I have complied to the fullest and they insist on continuing to damage my reputation by not complying with FTC law.

They are very eager to get me off the phone each time I call.

One lady called me a a Liar just like all other men.

What the heck have I dont wrong to these people to deserve this treatment?
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 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 Address have 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: Account information incorrect

XXXX XXXX is reporting a debt on my credit file I do not owe. I was not informed of this debt until I checked my credit. As soon as I learned about the debt, I called and settle it, a long time ago. I was not given any collection notices or phone calls regarding this debt, and this violates my 30 day right to dispute by law.
Complaint sub-issue: Account information incorrect

Company In Violation ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX Shown on Credit Report ; Original Charge Off Balance XX/XX/XXXX : {$14000.00} Balance Shown on Report XX/XX/XXXX : {$18000.00} Highest Charge Off Balance XX/XX/XXXX : {$23000.00} Hello CFPB, XXXX XXXX has continued to add INTEREST to the charged off balance on my credit report. I called and asked XXXX XXXX if they could report the correct information base on our payment agreement and they REFUSED. XXXX XXXX has refused to report the correct information on my credit report. This has caused my credit score to drop. Additionally on XX/XX/XXXX XXXX XXXX added a UNAUTHORIZED inquiry to my credit report which was later removed. 

On XX/XX/XXXX I entered into payment agreement with XXXX XXXX to pay the debt as stated in the attachment. The amount shown on the letter is for {$17000.00}. I paid XXXX XXXXXXXX a LUMP SUM of {$5000.00}. I have made 4 monthly payments of {$100.00}. XXXX XXXX still has INACCURATE information on my credit report. The current balance should be {$11000.00} as of XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX Original creditor : 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: Credit inquiries on your report that you don't recognize

I Have Inquiries that I don't recognized or that has pass the period that it should have been removed from my credit report. The Inquiries are listed below : 1. XXXX XXXX XXXX inquiry date:XXXX 2.XXXX XXXX inquiry date:XX/XX/XXXX3 XXXX XXXX XXXX inquiry date : XXXX 4. XXXX inquiry date:XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

Hello my name is XXXX XXXX, I have been trying to build my credit but due to identity theft I have these accounts on my report, that are causing a big affect for me to get approved for things so today, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
If any questions or concerns you can contact me at XXXX.
Complaint sub-issue: Information belongs to someone else

The account listed below was not done by myself. please delete it immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

The credit reporting agencies, Equifax and XXXX violated FCRA 611 ( 15 U.S.C. 1681I ) The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). 

Equifax, XXXX, and XXXX violated FCRA 611 and 623 in investigating disputes on my credit report, XXXX and XXXX XXXX  These companies violated the Fair Debt collection Practices Act ( FDCPA ) XXXX15 USC 1692g Sec. 809 ( b ) of the FDCPA.
Complaint sub-issue: Problem during payment process

I recently tried to pay off {$300.00} on my First Progress secured card and sent a check through my bank to their PO box for the amount of {$300.00}. After they received the check they only put {$100.00} on my account. I was told to confirm with the bank and provide a copy of my bank statement then fax the statement in. I spoke with my bank and they said that the check was sent for {$300.00} and was received by First Progress for {$300.00} and that the full amount has for certain been subtracted from my checking account. I then called First Progress after providing the statement and informing them what my bank had told me. After a week of troubles trying to resolve this I still am missing the {$200.00} and First Progress has been no help to me and has refused to fix this issue and keeps asking for different types of information every time I talk to a representative.
Complaint sub-issue: You never received your bill or did not know a payment was due

I signed up for a credit card with Macys. They started mailing statements to my old address. I contacted them to update the address but still did not receive them. They continued to send statements to wrong address and I didn't know a payment was due for many months. They left the account open and it has ruined my credit history. I did not even know I had a credit card with Macy 's and they never contacted me. I have attached a picture of the payment history from Macy 's.
Complaint sub-issue: Problem with personal statement of dispute

I am still disputing this debt that you stated is VERIED but did not confirm that it is VALIDATED, I contacted the original creditor who was unable to validate this credit account was mine. I am responding in a timely matter to your attempt to validate this debt because I still consider this debt as '' still in dispute ''. I would like documentation to clear up my reasons for disputing this debt ( agreement that bears signature of the alleged debt, complete payment history on the account to prove the debt being collected is correct, etc ). In addition, you must also be aware that until you validate this debt, you can not continue to report this information on my credit report as that is non- compliance with FTC XXXX Accounts- XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reporting twice XXXX XXXX acc. XXXX, XXXX
Complaint sub-issue: Account opened as a result of fraud

An account was fraudulently opened in my name.
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. 


Account name : XXXX Bank Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Bank Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX XXXX  Account number : 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: Information is not mine

Seriously Equifax , ca n't you just obey the law and end this back and forth, if you are XXXX that you were wrong, I 'm sure your health insurance has a XXXX to help with that. XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX have sent you nothing proving these debts are mine. In a call to all XXXX on XXXX XXXX, 2016 they confirmed it. You are breaking the law and I will do everything in my power to get my identity back.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

THE BELOW ACCOUNTS HAVE BEEN ACCESSED MY CREDIT PROFILE WITHOUT MY PERMISSION AND WITHOUT MY KNOWLEDGE. I WOULD LIKE FOR THEM TO BE REMOVED FROM Y CREDIT PROFILE.

THESE INQUIRIES ARE BEING IMPROPERLY DISPLAYED ON MY CREDIT REPORT AND WOULD LIKE THEM TO BE REMOVED ENTIRELY.

XXXX inquiry XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry XXXX XXXX XXXX
EQUIFAX XXXX  Inquiry XXXX XXXX XXXX  EQUIFAX XXXX  Inquiry XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX	XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX	EQUIFAX XXXX XXXX -	EQUIFAX XXXX XXXX -, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD 2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX XXXX XXXX	EQUIFAX XXXX XXXX	EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX	XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AL XXXX XXXX XXXX XXXX	XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX  Reported On XXXX XXXX XXXX XXXX XXXX  Reported On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX
Complaint sub-issue: Billing dispute for services

With Macy 's Credit Card they are showing late payments during XXXX  I moved hadn't gotten bills and asked the to remove the negative and they haven't it's XXXX negative not payment history under 15 US Code 1666 late payment can be removed XXXX is credit Card that I didn't open o had a family member who live with during the time rhat cards were opened and they obtained my information and got the Card ran them up then left I need this removed as they have been Charged off with 15 U.S. Code 1681 C-1 Section 604 A and section 605 B C-2 the laws protect against stolen identity I would like to have them removed for employment purposes I work hard to keep my credit afloat
Complaint sub-issue: Problem using a debit or ATM card

I was a victim of fraud and identity theft. The company and person that was part of the scam and fraud caused me and other victims to have their money submitted and used for a business transaction. The person was my online boyfriend but also a business associate for an investment. The online boyfriend was not real but a scammer who defrauded other victims to. I filed an identity theft report as my personal information and identity had been compromised. I was frauded for over {$40000.00}. I attempted to file a chargeback dispute and submit my identity theft report with Cash App and the advocate refused to allow me to do so. I also tried to submit my identity report with CashApp and they refused to accept it from me and require the police department to so. I asked the police and they recommended I submit it because they are not required to. 
Cash App is in violation of the transaction banking act and refusal to do an investigation and accept my identity theft report and the Fair Credit Reporting Act as required by federal law. I am a victim of a scam and CashApp is required to follow procedures and allow a chargeback of all her transactions. 
Cash App has all of my information on the chat log of all my disputes and stopped me from finishing because they did not want me to file a dispute.
Complaint sub-issue: Their investigation did not fix an error on your report

A company is reporting that I owe them for service, however I did not request their services. 
Equifax removed this item. 
The company sold this bogus account to a collection company. 
Now Equifax has not removed. 
I did not request or receive their services!
Complaint sub-issue: Didn't receive notice of right to dispute

Dear Collector : My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 
2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows i gave you permission to have my information and paperwork showing i gave you authorization to report this to my credit report. No consent to you having my information and unathorized use of my social security number is identity theft and you will be reported for such. 
4 ) The Agreement that grants you authority to collect on this alleged debt. 
5 ) A copy of your state license, including license number that give you rights to collect in my state. 

6. ( The purchase agreement ) 7. ( Swear under penalty of perjury you were present during the alleged debt ) Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Complaint sub-issue: Attempted to collect wrong amount

After reading and understanding my federal rights as a consumer, according to the Fair Debt Collection Practices Act ( FDCPA ), this law is intended to protect consumers from abusive, deceptive, and unfair debt collection from debt collectors. It is my federal right as a consumer pursuant to XXXXXXXX XXXX XXXXXXXX ( XXXX ) to receive meaningful disclosure of credit terms so that I will be able to compare more readily the various credit terms available to me and avoid the uninformed use of credit, and to protect me against inaccurate and unfair credit billing and credit card practices. As the consumer, I am requiring Discover Card to send me a notice of VALIDATION of debt pursuant to 15 USC 1692g. Communication with me should cease through all/any medium until notice of debt is given.
Complaint sub-issue: Account status incorrect

I had a loan with XXXX and paid it in full on XX/XX/2018. It is still on my credit report as owing a balance and late. I need it to show as Paid off with a {$0.00} balance. I am trying to fix and build my credit and this is harming me.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

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

XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00}, XXXX XXXX XXXX Balance Owed : {$70.00}, XXXX XXXX Balance Owed : {$680.00}, XXXX XXXX XXXX XXXX Owed : {$1600.00}, XXXX XXXX Balance Owed : {$220.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Account status

I have contacted Equifax on XXXX occasions asking them to correct the information contained in my report. My XXXX XXXX account was discharged in Chapter XXXX Bankruptcy XXXX XXXX. On my first dispute # XXXX on XXXX/XXXX/XXXX, I submitted my complaint via certified mail and I included my bankruptcy case/file information. The response that I received back was that my account was " verified '' and nothing was changed on my report. I called on XXXX/XXXX/XXXX and spoke to " XXXX '' dispute # XXXX. Again I explained that the account was discharged in bankruptcy and provided the information again. She spent more time on the phone trying to get me to sign up for the Equifax.com for 17 dollars a month, than addressing my dispute.The response to the XXXX complaint was " updated to show Included in bankruptcy ''. My credit file still reflected reported dates nearly 4 years after the bankruptcy discharge. I called again XXXX/XXXX/XXXX and filed a XXXX dispute # XXXX. I explained again to " XXXX '' that this account was discharged in bankruptcy in XXXX XXXX, that no account history should be reflected after discharge, account should have been deleted from credit file in XXXX of XXXX, and that the re-aging of my account is incorrect and unfair. The response to my XXXX dispute was to change the account to " Discharged in Bankruptcy '' and the Date of XXXX Delinquency remains XXXX. I feel that all three of my disputes were not investigated fully and if it had been the information would have been deleted from my credit report.
Complaint sub-issue: Information belongs to someone else

i filed a police report and filed complaint with consumer protecton XXXX and noby addreses my problem its about fraudlent inquirys on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

They will not give me any information about who they are. They ask to speak to me but will not identify themselves. I am hesitant to give them my personal information without verification of their identity. They call me numerous times every single day.