Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/2008 I tried to pay for money transfer service with my card at XXXX in the amount of {$2700.00}. The card declined 3 times. XXXX Said the transaction did not go through. I emailed my bank CashApp and asked for funds to be released back into my account and was advised it would take 10 days. After 10 Days the money was still not released back into my account. I have been in contact with Cash App for over 2 months regarding this issue. They have not put my money back in my card. I went back to XXXX and they advised me to go to the bank for help.
Complaint sub-issue: Information belongs to someone else

Due to the repeated excuse of Covid-19 Pandemic, I have been battling wrong information on my credit report with all three bureaus since XX/XX/2021. It is now XX/XX/2021. 

I either got no response, or the information remained unchanged, which is hindering me from finding suitable housing to move into, and am in need of permanent housing come XX/XX/2021. I finally decided to move forward with CFPB.
Complaint sub-issue: Information belongs to someone else

Hello, I am a victim of identity theft cause by Equifax and XXXX data breach. 
Numerous accounts and address were open fraudulently with my information. I have sent Equifax lots of letters and police reports, also Identity affidavits over the years. Equifax fails to practice 605B of the Fair Credit Reporting Act.
Complaint sub-issue: Account status

Incorrect information on credit report : Account status ( paid bill on time, account closed, etc. ) No proper investigations took place, despite requests for them dating to 2013.
Complaint sub-issue: Their investigation did not fix an error on your report

I am complaining about Equifax allowing non-users to put a false claim on my credit report. These users are not covered by CFPB under FDCPA 15 u.s.c. 1692.The Dodd-Frank Act. I have disputed these non-users claims down through the years from XXXX  til now. The non-user claims cause me to lose a USDA rural development mortgage loan more than once. All of XXXX I have disputed these non-users false claims under FDCPA to Equifax credit reporting agency and still nothing is being done to enforce this act to protect my rights. I understand that under FDCPA rules and regulations users must be covered by CFPB. These non-users on my credit report is not covered by CFPB due to the regulation under the ACT requires that a user of the credit report must hire a separate institution from its business to collect a debt. The name of the non-users on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A legal debt collection institution has not tried to contact me of these claims. I have the right to a relief from these claims on my Equifax credit report and XXXX and XXXX credit report.
Complaint sub-issue: Account information incorrect

Hello. 
I am writing in connection with a late payment reflected on my XXXX Credit Card account on XX/XX/2022. 
Note please, that as a responsible customer I have always done my best to meet the deadlines and respect the financial obligations that I have. Taking the above mentioned into consideration, I do inform you that the payment of my XXXX card dated XX/XX/2022, is no exception. Please be informed that the payment was made via phone, yet due to badly suffering from XXXX, I was unable even to collect the phone at my hands and check whether the confirmation number was received, and non receiving of the number resulted in a late payment reflected on my credit bureau reports and affecting my credit score. 
I tried to contact XXXX, explain the situation and resolve the issue with them, but unfortunately I didnt get any assistance or understanding there. 
I kindly ask you to give me a second chance and make a goodwill adjustment to remove the late payment. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debths. 
Looking forward to your prompt answer.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Today XX/XX/2020 I received an alert that my XXXX XXXX/XXXX XXXX  credit card was reported as delinquent. This brought my credit score way down. The account is not delinquent. I tried submitting a dispute on XXXX but unable to do so. This account should not be reporting as delinquent Ive also had many issues resolving a problem with this bank in the past.
Complaint sub-issue: Problem accessing account

I got email from Discover on XX/XX/XXXX saying my account was blocked and I needed to call their security team immediately. I did so and waited for more than 3 hours on line while nobody answered and was just cut off. 

I tried multiple times from Monday to Friday from 8am to midnight, and waited for many hours on line just to get to talk to a human. There was no one to answer the call for this whole week. My savings account totally disappeared from my online banking and mobile app. 

I saved all my money in discover savings account, and now I can not access it and can not make any payment while no agent can help me solve this issue.
Complaint sub-issue: Trouble with how payments are handled

I attended XXXX XXXX school in XXXX Georgia. The program lasted XX/XX/XXXX through XXXX of 2014. I graduated in XX/XX/XXXX and have been paying Sally Mae XXXX $ per month ( I was set up on automatic payments ) Last month my automatic payment went from XXXX $ to XXXX. They did not notify me of the change and my checking account is now overdrawn with around XXXX $ in overdraft fees. I called Sally Mae and they said my payment is now XXXX. I told them that I was not working in the field I was trained for and that I could not pay that much a month ( that amount is more than my rent and car payment ) I can not pay that amount and be able to pay my rent or buy groceries. I asked if the payment could be lowered until I get a better paying job which I was trained for. They said no. I told them that I was not going to be able to pay my rent this month. Finally after talking with a " manager '' I was told that for XXXX bucks they would credit my acount the XXXX. That was over a week ago and they have not credited my account. I am still overdrawn at the bank and at risk of being evicted from my houde because I am negative XXXX in my checking account. Not only is Sally Mae unwilling to work with me and lower my payments to something affordable until I get a better job, they lied to me and have not refunded my money so I can pay my rent and utilites. I just want them to work with me and do what they said they would do so I can get back on my feet, be assured that I have a place to live, so I can actually keep my job and pay my bills.
Complaint sub-issue: Problem during payment process

Problem : I spoke with Discover on or around XX/XX/XXXX and advised I was sending an over night payment and need their address for such. I advised them I was going to be traveling that Friday and needed my funds on my card immediately, I was then advised as long as my payment was rcvd before XXXX XXXX EST it would process that night and be available next morning by XXXX, that didnt happen, so I contacted customer service and spoke to a rep and a manager named XXXX out of Ohio, I explained the urgency of my payment needing to post because I was headed to airport and when I arrive to my destination I would need a rental, I provided her my USPS tracking number, XXXX, she looked it up and said they rcvd my package at XXXX XXXX on the XXXX, she then tried reaching her batching dept with no success, she then advised that the company could do an manual authorization when I reached rental car company only if the location can do manual authorizations, so I immediately called Discover when I arrived as instructed and got their AZ location and spoke with another manager and advised him of my situation and what previous manager advised me to do, he stated there were no notes regarding that conversation and it only stated my  previous call was only about payment, he then placed me on hold and checked with his billing dept, they said no payment pending, so he advised he could not push a manual authorization thru unless pmt was pending, I was left for dead at this point. So now 4 days have passed, its XX/XX/XXXX and  after 5 calls to managers, no one has located my payment, although it was clearly received by their organization and not processed. We are now stuck having to pay friends and family back, for hotel and car charges while traveling, since all my money was sent to Discover for our travel cost and Discover advised me they have no policy to locate a lost overnight package.they cant even contact their mailroom. No one took initiative to resolve my problem and my money is just lost within their organization, no follow up from management or since of urgency from Discover. Managers where horrible, never actively listened to my situation nor notated account properly.
Complaint sub-issue: Didn't receive enough information to verify debt

I received a phone call from ERC, or Enhanced Recovery Company on XX/XX/2021. I didn't speak to them and hung up, found out they were a debt collector by XXXX their phone number, made a debt validation letter and sent it to them via certified mail. I didn't receive a validation letter with paperwork about the debt until XX/XX/2021. They were supposed to send me a debt validation letter within 5 days and they did not. This debt collection needs to stopped and deleted. I have attached additional information.
Complaint sub-issue: Information belongs to someone else

In this description I will repeat myself several times, because God knows Equifax with Claim they don’t know what I’m asking for.… They do this because they don’t want to correct their errors.I have tried repeatedly to get Equifax to correct this fraudulent account. I don’t understand how Equifax is not sanctioned and fined more than they already have been.  Beyond breach; their systems are poorly ran - their completely incompetent and they never check fraud properly.  Leaving consumers to consistently have to waste time on via phone, mail and Complaints to this agency.   There’s a tiny collection from XXXX on my account,  It’s only $XXXX  but I never authorized this debt. If I had I would’ve paid it!  For gosh sake’s it’s only $XXXX but it’s not mine. I first tried to dispute because I’m not sure how it ended up onReport.I never approved nor signed for this service. Yet once again Equifax fails to ask for proof in writing. I demand written proof with my signature approving any and procedure for this date of service. I know it doesn’t exist because I never authorized service from this company from this time period.My demands1. Demand of proof of signature or authorization of service.2. Removal immediately - Since I know I did not authorize this they should be immediate!
Complaint sub-issue: Problem getting a working replacement card

On XX/XX/2022, I reported my credit card as lost/stolen by PNC and replacement of credit card. They replaced my whole account instead of card. Now it hurt my credit score.
Complaint sub-issue: Trouble with how payments are being handled

I have MULTIPLE complaints. 

The first is that information is lacking and is not transparent. There is no way in the system for me to confirm the repayment plans each of my loans is on. 

The second is that they placed my loans in forebearance for NO reason. 

When I emailed to ask about it two weeks ago they never responded. 

They increased my monthly payment claiming it is because some of my loans are on a graduated repayment plan even though I switched ALL of my loans to the standard plan years ago. Since I can not view/access that info, I applied to change all of the loans to standard. They denied it stating my loans are already on the standard plan which begs the question of why were my payment amounts increased and why are they claiming some are on the graduated repayment plan. 

Now, the site wont allow me to submit a question about that. 

It feels that they intentionally fail to provide information or respond to requests for information and I am concerned about what is actually happening with my loans.
Complaint sub-issue: Public record information inaccurate

I have previously disputed XXXX XXXX XXXX Georgia XXXX # XXXX with you and in response you verified the item as accurate stating that you have verified the information with the court. I contacted the court, and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be DELETED immediately.
Complaint sub-issue: Account status incorrect

per XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX, oh XXXX opened XX/XX/XXXX, closed XX/XX/XXXX highest balance {$890.00} passed due : 90-119 days late balance : {$0.00} I have no idea what card this is. I have n't been late with a credit payment in over 25 years. Please review my credit report. I take paying bills very seriously. I do n't know how this would have occurred. Thank you!
Complaint sub-issue: Can't use card to make purchases

This is a secured credit card with my investment of {$1000.00} I have had this account since XXXX. Had a fraudelent charge disputed XXXX  months ago that still has not been resolved. The card was locked for XXXX months because that department line is constantly busy. 
I have a XXXX $ plus available credit but the card is always declined. Now the general information number is not even active. 

Something is not right.
Complaint sub-issue: Was not notified of investigation status or results

This is XXXX XXXX, I just checked my report and Ive discovered that the items I requested for you to investigate and delete are still on my report, what's going on? you seem to be ignoring my letters. I sent you a XX/XX/2022 but the errors I requested for you to look into are still there like you're completely ignoring me, I am not even getting any response from you people. I was told by a lawyer that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent non-compliance and I am willing to take it to the next step should you continue your negligence.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX ACCOUNT # XXXX, XXXXXXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX and XXXX XXXX XXXX ACCOUNT XXXX 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 an account without my written instructions
Complaint sub-issue: Information belongs to someone else

This credit agency has put an account with a company called XXXX XXXX XXXX on my report, stating that I opened an account with them on XX/XX/2021 & owe them {$670.00}. This information is completely false & fraudulently being reported. I have worked extremely hard during Covid 19 to keep all my payments on time & have been 100 percent on track with all my credit cards & loans. This fraudulent account needs to be removed from my report immediately.
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. 

XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry has violated my rights XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XXXX Inquiry has violated my rights XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry has violated my rights XX/XX/XXXX XXXX XXXX Inquiry has violated my rights XX/XX/XXXX XXXX XXXX  Inquiry has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent
Complaint sub-issue: Information belongs to someone else

I have 1 hard Inquiry that I never did. Was not authorized by me. This was fraud. I have tried calling XXXX XXXX and kept getting the run around. I never applied for there cards. Which is the following they claim is the date I applied -- -> XXXX XXXX XX/XX/2018 XX/XX/2018
Complaint sub-issue: Account information incorrect

XXXX XXXX  XXXX XXXX XXXX XXXX is report incorrect information on my credit. Including recently updating my credit file to reflect incorrect information.
Complaint sub-issue: Their investigation did not fix an error on your report

I will attach multiple letters showing numerous times I tried to contact the credit bureaus to resolve this issue. I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is primarily stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for a litigation due to the stress you caused me. XXXX is still reporting inaccurate names after verifying my identity with proof of identity, XXXX XXXX deleted the wrong XXXX account even though the account numbers was totally different must be a system error I would like that fix asap and have the account in the letters be deleted immediately from all three credit bureaus and update my personal information like I asked. Also I provided proof of payment on a bank statement and shows that its a error on XXXX XXXX end I was never late.
Complaint sub-issue: Confusing or misleading advertising about the credit card

The CFPB has jurisdiction over this matter because it concerns Unfair Deceptive and Misleading Practices ( UDAAP ). I am an employee of a business that applied for a BUSINESS credit card using my social security number with Discover, and this card was approved with the understanding that it does not report to my personal credit. It is industry standard that a business credit card does not report to an individual 's personal credit report. 

If i wanted a card that reported to my personal credit, I would have applied for a personal credit card not a business one.

However, I was shocked to find out that this business credit card was reporting to my personal credit report as of XX/XX/2019. I never consented to this, as these business purchases have nothing to do with my personal life, and are now causing me harm in being denied a mortgage because of the small credit limit and recency of the account. 

I would have NEVER consented to having a business credit card report to my personal credit report. Discover is playing a bait and switch game with its consumers.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX And equifax have bothered refused to remove the information on my report that has not been properly verified, validated within the timeframe allowed per FDCPA/FCRA guidelines. I have records of the numerous letters I have sent requesting information used to prove this debt belongs to me. XXXX   and equifax HAve DONE NOTHING BUT GIVE THE INFORMATION TO ITS DATA FUNISHER AND THE COMPANY HAS USED IT TO UPDATE THE RECORDS THEY HAVE. The debt has been reporting incorrect on my report for a very long time. The debt that is reporting incorrect and does not belong to me is listed on my report from XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXXXXXX. The credit reporting agencies XXXX  and equifax both have failed to answer my request. The companies just send me a scripted reply and then tell me to reach out to the company that has given them incorrect information. Then the company will tell me I need to contact the credit reporting agency. XXXX and Equifax have meticulously and continued to report inaccurate information that I have advised them is incorrect which is a violation of federal law and my rights.
Complaint sub-issue: Account status incorrect

I have disputed the late payments on this XXXX XXXX XXXX   XXXX account for months. XXXX and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Complaint sub-issue: Information belongs to someone else

This complaint is to the Credit bureaus. I have disputed this information multiple times with no change. I have sent in my ID Social Security Card as well as police report and XXXX has continuously stalled me. I would like your help in getting this matter investigated and removed immediately. My personal information has been used repeatedly used and my identity is compromised. Please help XXXX is reporting incorrect and fraudulent information in my name which has severly hindered me. I am not responsible for the following accounts. 
XXXX XXXX XXXX XX/XX/2020 -This account is ridiculous. There is no payment history and no notes on this account. It just shows a collection which I have no idea came from. I have disputed this account explaining that I have no knowledge of this account. I have asked for proof of my signature when applying for this account. I have had no such luck in fixing this issue. 

-XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX I have continuously explained that I have no knowledge of this account. I have never opened this account and I dont understand how it is listed on my report. This account is also fraudulent. 


XXXX XXXX XXXX XXXX XXXX XXXX I have never had an account with XXXXXXXX XXXX XXXX I reached out to the company directly to ask for proof and to explain that this is fraud and they were suppose to investigate and remove. It has been years with no change. The account has no history or usage on any devices fraudulently purchased yet I have had no help it removing this information. 

XXXX XXXXXXXX bankruptcy XXXX have only filed a XXXX XXXX XXXXankruptcy in the past. Which has already been removed after 7years. I have repeatedly reached out and disputed this information with the credit bureaus as well as the bankruptcy court on how this misunderstanding needs to be fixed and removed immediately. 

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

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # 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.