Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX I sent a letter to XXXX/CBNA to dispute acct # XXXX via certified mail on XX/XX/XXXX in regards to inaccuracy on my credit report. [ I owe {$450.00} as well as reporting delinquencies of 30 days late XXXX. I dispute the validity of the debt purport I owe.XXXX/CBNA provide an application, without a date that clearly states naps date XX/XX/XXXX XXXX XXXX  is this where they get their customer information from but if this is XXXX/CBNA proof wheres the contract to the application agreement, are all the purchase receipt they are electronic that add up to {$450.00} worth of purchases, canceled checks, late payment checks, itemized bill does not constitute verification. Then I sent another letter on XX/XX/XXXX 31 days later certified mail signed on XX/XX/XXXX informing XXXX/CBNA that upon checking my credit report XXXX/CBNA did not place a " NOTICE OF DISPUTE '' by the federal law within 30 days. You are required by the federal law to place a NOTICE OF DISPUTE when you signed on XX/XX/XXXX certified mail within the 30-day timeframe required, The Fair Reporting Act Section 623 ( a ) ( 3 ) Responsibilities of furnishers of information to consumer reporting agencies [ 15U.S.C.1681s-2 ] ( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to the consumer reporting agency is disputed. XXXX/CBNA has since marked report but they are still in violation when you report to all bureau you must notice of dispute to all bureau not to your favorite one ... ... .all three. Duty to provide " NOTICE OF DISPUTE '' by federal law my law XXXX/CBNA MUST REMOVE / DELETE THE ITEM OFF CREDIT REPORT. PLEASE ENFORCE THE COMPANY TO ABIDE BY THE LAW AT HAND THE VIOLATED.
Complaint sub-issue: Problem with rewards from credit card

On XX/XX/2020, my mileage for XXXX  ( XXXX XXXX ) was shutdown from XXXX. Citibank is the administrator of these XXXX  credit cards I signed up for. 

I followed Citibank 's sign up bonus terms and conditions, including spend requirements, to achieve miles by the sign up bonus and spend for my XXXX   mileage account ( XXXX ). However, XXXX XXXX claimed my points being obtained were exploitativly obtained. Citibank Credit Cards therefore are responsible to the damage that XXXX XXXX has caused me because the points were considered exploitativly obtained. Citibank should have provided these miles to customers in a nonexploitive manner, and provided promise and security to its clients that they would not be taken away from customers who fulfilled Citibank terms. Now I have signed up for many credit cards, spent many tens of thousands of dollars, and become the victim of Citibank 's devious practice and lost all of my rewards because of them! This is totally unfair that I am screwed for something Citibank did.
Complaint sub-issue: Received bad information about your loan

XXXX XXXX, XXXX I received an email from XXXX XXXX XXXX about how my employment has been recertified. On that same day, I receive a notice of my payment tracking and it says 0 payments have been counted towards my Public Service Loan Forgiveness from my past year of on time direct deposit payments. 

On XXXX XXXX, I received another XXXX XXXX XXXX email about my employment being recertified ( again ) and now instead of 0 payments counting towards my Public Service Loan Forgiveness, it says 2. Still, this sounds wrong as I have had direct deposit payments made every month for the past year with XXXX XXXX XXXX. 

On XXXX XXXX, XXXX I called XXXX XXXX XXXX to get an explanation as to why only 2 payments of the past year have qualified for Public Service Loan Forgiveness and I am told that it will take about 60 days for the request to review to go through. She informs me that payments do n't qualify if they are in forbearance or if I 'm late with my payments. She looks over my account and says it does n't appear that I had an issues ( no forbearance or late payments ) and the payments should be counted and reviewed in 60 days. 

On XXXX XXXX, XXXX I called XXXX XXXX XXXX as this is the end of the 60 days. I spoke with a representative and again he informs me that sometimes payment do n't qualify if they 're in forbearance or late. He checks my account and sees that all my payments are made on time and should count since nothing was marked on my account. As he checks my account he says it appears that 21 payments have been made towards my Public Service Loan Forgiveness and that I should hear back in the next few weeks with an updated qualifying payment email/letter sent to my account. 

On XXXX XXXX, I check my XXXX XXXX XXXX account to see if any of the payments went through and noticed that it still says 12 payments and nothing has changed. I called XXXX XXXX XXXX again asking about any updates for my payments towards Public Service Loan Forgiveness. The customer service representative told me she saw 22 qualifying payments were made and I told her that I was n't seeing the same information and it still only says 12 qualifying payments. She transfers me to someone else and this representative now informs me that I have been on a " rolling pay ahead '' program for the past year. None of the previous phone calls have ever indicated that I was in this program and my payments were being made on time every month. She informs me she will request my loans be transferred out of the pay ahead. She also informs me that she will put in a request to review all my payments from the past year and a half to be counted towards Public Service Loan Forgiveness. 

After 5 months of calling and waiting, and being told repeatedly that my account was fine, I have only now learned that I was on this rolling pay ahead program after a year and a half of payments.
Complaint sub-issue: Reporting company used your report improperly

The following hard inquiry remarks have been placed onto my credit report without my verbal or written consent to do so, is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative remarks on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit in the future. Due to these facts given the following closed accounts must be removed : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute on XX/XX/21 well over 45 days and no investigation results have been provided,.
Complaint sub-issue: Their investigation did not fix an error on your report

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I would like to start this letter off by, first of all, thanking your company for the great service that Ive experienced as a consumer. I have been a very dedicated customer and am now in need of your help.I was never late 30 days. I 'm not sure how this happened. I have alway made my payment on time you when I received my statement. My only thought is that there was a billing error with my statement.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XXXX I checked my credit report and notice I had a inquiry on my credit report that I did not authorized or recognize. The inquiry was from a company name XXXX XXXX inquiry date was on XX/XX/2020 there address XXXX XXXX XXXX XXXX, MD XXXX Phone XXXX toll free XXXX. On XX/XX/2020 I contact Equifax to dispute the this inquiry and ask it to be removed off my credit report. Equifax stated they could not remove and to call XXXX XXXX. I call XXXX XXXX and XXXX XXXX told me to call Equifax.
Complaint sub-issue: Company closed your account

On XX/XX/2020 I reached out to the customer service team of Discover Financial Services through its in-app messaging function. The purpose of this communication was to consolidate my two Discover credit cards - my exact words were " Hi, I would like to combine the credit line on my two accounts, and close out the older one ''. The customer service representative who responded to my request was XXXX in XXXX XXXX XXXX. She asked to confirm the last four numbers of the account I wanted to close, which I then provided. She then closed out the account immediately without confirming details about the credit line transfer. It was only after she closed the account, and after I inquired again about credit line transfer, that she told me that she was not able to do that. She insisted that I never mentioned anything about combining credit lines, and the account was closed at my request. That was completely untrue, and I am disappointed by how incompetent and dishonest this service representative was. Not only did she lie about my initial request ( which has an electronic trail and can be easily verified in the messaging function ), she closed my account without consent which is a serious violation of my right and has irreversible impact on my credit score. Her incompetence and subsequent inability to take responsibility for her mistake is completely absurd and unacceptable. I hope Discover Financial Services will rectify this situation to reinstate my faith in using your services in the future.
Complaint sub-issue: Debt is not yours

I recently received a collection letter. This debt has been disputed long ago and removed. This debt does not belong to me. The alleged debt was for a private student loan. The check was never received nor cashed. If the collection agency can not prove that the funds were BOTH disbursed AND cashed, BY ME, then it need to be removed. 

Additionally, the alleged debt is from XXXX - XXXX. The original company that the application was submitted to went out of business.
Complaint sub-issue: Was not notified of investigation status or results

I sent all three credit bureaus a certified letter disputing this hard inquiry from XXXX XXXX. On XX/XX/18 this hit my credit reports and I immediately contacted the bureaus but its been over 90 days and I haven't heard anything about the investigation that I requested which is a violation of the FCRA, which States that the bureaus have to report accurate information and respond to the consumer in a timely manner. This inquiry has cause me great hardship, stress and Has caused my credit score to decrease drastically!! I've been denied credit and loans due to this inquiry.
Complaint sub-issue: Deposits and withdrawals

I filed a claim that my card was stolen & XXXX was withdrawn & transfers out my account but not at once on the XXXX & the XXXX, i ask them to check the cameras and everything to show that it wasnt me that withdrawal the money out my account and before this happened they told me my card wasnt working it was under review but all of the sudden my card getting stolen and money getting withdrawn out my account in the middle of the night. I filed the dispute in the XX/XX/2021.
Complaint sub-issue: Account status incorrect

I had to do on XXXX for major medical reasons. I was awarded permanent XXXX on XXXX. It might have been XXXX. XXXX XXXX XXXX XXXX XXXX XXXX I had worked hard to get my accounts in order. I was notified through Equifax that I had a bill in collections that was closed XXXX or XXXX now I have XXXX accounts for the same lender for the same account that has the wrong date I did open it XX/XX/XXXX I believe of XXXX they have it as XXXX or XX/XX/XXXX. I will attach copies. Ive tried to talk to them but they keep saying its the same XXXX different accounts when theyre not. I Don have them on any other collection, Bureau it made my points go down like XXXX points.
Complaint sub-issue: Information belongs to someone else

XX/XX/ in amount of {$4600.00} from XXXX XXXX. Charge was disputed via XXXX XXXX but never removed. 
First, XXXX XXXX charged medical insurance. 5 Treatments were made and paid via insurance that involves cracking back. That's it. No other service was provided by XXXX office XXXX falsely charged for service that was never given. Insurance paid for cracking of back. XXXX XXXX wanted money for services NEVER provided. Treatments Never given. Amount changed from {$2000.00} to over {$5000.00} billed charges yet credit report says {$4600.00} on credit report. They are making stuff up!!!! 

Perhaps they confused myself with someone else. 

Kindly remove charge from all 3 credit reporting sites as it is fraudulent. Much appreciated!
Complaint sub-issue: Investigation took more than 30 days

XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX are committing fraud and illegal activity under FCRA 609 by fraudulently and illegally placing an item that is NOT mine illegibly and unethically on ALL my credit reports with XXXX, XXXX  and Equifax. This debt is not mine and this is illegal and fraud and a result of identity theft, which I have been a victim of three times already. I DO NOT have or owe a XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX  or XXXX XXXX XXXX or owe ANY amount of credit card and this is fraud under FCRA section 609, and it must be removed from my credit reports immediately. This company is committing illegal acts against me. I DO NOT OWE ALLEGED AMOUNT FRAUDULANTLY PLACED ON MY CREDIT REPORT AND A COMPANY CANT JUST SAY YOU OWE MONEY AND PLACE AN ITEM ON TRI-BUREAU CREDIT REPORTS FRAUDULANTLY AND FALSELY.THIS IS ILLEGAL AND THESE COMPANIES ARE UNDER INVETIGATION BY THE ATTORNEY GENERALS OF THREE STATES, THE CFPB, THE COMSUMER SENTINEL DATABASE, THE FTC, AND IM PURSUING LITIGATION AGAINST THEM FOR FRAUD PAIN SUFFERING AND ILLEGAL ACTIVITY.
Complaint sub-issue: Report improperly shared by CRC

In XXXX I moved back to XXXX after living in XXXX for 2 years.Because I had a company vehicle, I did n't need car insurance, so when I returned in state I again needed insurance so I got XXXX of XXXX.they told me because I had no insurance for the last few years I would need a rider on my policy.I was given no choice in the matter and XXXX chose a person in my household, they told me this was temporary until I established a history with them.every few months I would ask XXXX when could my insurance go down and the rider be removed, but all I got were blank stares and the same response that they could do this and I had no choice in the matter.I tried to change my insurance company on several occasions but they 're rates were to high.after a few years my rider XXXX AAA kept her as my rider for another year, even laughing in my face when I dared ask why she was still my rider.When they finally changed my rider they raised my rates.when I bought a newer vehicle they raised my rates.they raised my premium to {$350.00} a month, despite the fact a had no claims, no accidents, and no tickets.This is when I found out my rates were n't based on my driving record but on my credit.which was good before XXXX of XXXX drove it into the ground.you see XXXX used XXXX of XXXX XXXX to determine how good I drove in XXXX Nexus and XXXX used faulty information to price gouge on car insurance.they even chose for my new rider XXXX XXXX, my room mate even though she was ruled by a court of law to not be able to be in charge of her own finances.I had partial ownership of XXXX properties, yet XXXX said I did not.I 've since lost XXXX houses due to XXXX wrongful billing.I 've been forced to move out of that household and away from my family in order to get affordable car insurance.my friend in addition to losing his wife had to return his vehicle because I 'm no longer there to pay for it, he 's a XXXX vet and he used his vehicle to take other members of his family to there doctors appointments.AAA and Lexus Nexus in addition to screwing up my life has totally screwed up my friends life as well.I personally will never recommend them to anyone.I 'm also highly disturbed that LexusNexus is given carte blanche to do as it pleases with regards to my life without first contacting me and confirming any information they use about me.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, Account # 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: Report provided to employer without your written authorization

I never authorized anyone to report hard inquiries on my credit report therefore they must be removed Immediately!
Complaint sub-issue: Information belongs to someone else

Although my identity has been seriously compromised and unauthorized accounts been opened in my name. I still at this point hold the three ( 3 ) major credit bureaus responsible for reporting unverified and unauthorized accounts. I requested a Mehod Of Investigation that made the determination for the 3 major credit bureaus to continue reporting these unauthorized accounts. However, I did not receive any certified signed physical documentation that validates these accounts as being true. I'm demanding that the three ( 3 ) major credit bureaus block the following accounts from my data file / credit report immediately and permanently. 
( 1 ) Dept of ED/ XXXX {$7300.00} ( 2 ) Dept of ED/ XXXX {$5400.00} ( 3 ) Dept of ED/ XXXX {$3900.00} ( 4 ) XXXX XXXX XXXX/ XXXX {$3000.00} ( 5 ) XXXX XXXX XXXX XXXX ( 6 ) XXXX XXXX XXXX {$470.00} As a consumer I'm requesting that these accounts be removed.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021 there was an attempt to open a CITIbank account in my name. I discovered this information on a recent credit report. I did not request or send any personal information to CITIbank. CITIbank did send a letter to me stating they could not process the request at this time without further information. I very much appreciate the letter. I do not know how this happened. There was also a fraud attempt regarding XXXX XXXX which has been resolved. Just to restate, I did not request a CITIbank account. 
Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

I have contact Equifax numerous times and submitted proper documents showing my name. My credit report is still showing me as someone else after a representative said the documents are in the profile and he doesn't understand why it was changed and changed back to the wrong name. I also disputed XXXX XXXX, the account was closed on XX/XX/19 after filing a complaint. XXXX, Equifax and XXXX  still report the accounts. Also XXXX XXXX closed the account on behalf of XXXX  cause because I sent the proper documents to prove it was an fraudulent account, Equifax still list this debt as well.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, Account # XXXX, Account # XXXX, DPED XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX Account # - XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # XXXX 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: Deposits and withdrawals

I was using cash app and someone hacked my account and took XXXX on XX/XX/2020 and also XXXX XX/XX/2020 I emailed cash XX/XX/XXXX and they told me i couldnt do anything unless request a refund, which wouldnt make sense because someone hacked me.
Complaint sub-issue: Debt is not yours

I am filling a complaint against XXXX XXXX because they are attempting a that is I do not owe them. Account Name : REC MGM SYS, Account Number : XXXX. 
I would like for REC MGM SYS to show proof of verification that I owe them {$590.00} with the account above. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been non-compliant with removing the unverified account Chapter XXXX Bankruptcy Discharged XXXXXX/XX/XXXX which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that Chapter XXXX Bankruptcy Discharged was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

Discover has been contacted several times for help to deal with a health matter that occured in 2022 and now is permanently going to affect my life as I have advised them that my financial situation is dire due to my health condition deteriorating to the point where I am in a position where I am facing a XXXX XXXX XXXX XXXX where my income is obtained through Social Security XXXX. 
I have requested help from Discover to reduce the amount owed as I am faced with the limited income and high medical expenses and income that is tied up for basic needs. 
The response has not been made to do anything to help me at all. 
I have requested their policies in be provided in written form. At this point their position has been to ignore my written correspondence. 
I have requested that this matter be kept confidential but not ignored. 
My health condition is permanent and having no options has me very concerned. 
The payments for the Discover account has been covered by a family member to help me with this permanent hardship.
Complaint sub-issue: Account information incorrect

LexisNexis Consumer Center XXXX XXXX XXXX XXXX, XXXX  XXXX Submitted erroneous information about my credit to my Homeowners Insurance with XXXX XXXX XXXX XXXX increased my insurance by {$760.00} because of erroneous info. I sent a letter to LexisNexis four months ago and never received a reply. This company needs to be shut down. 
NCF Reference # XXXX