Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX 's account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have fraudulent and unauthorized credit card accounts and credit inquiries listed on my XXXX, Equifax and XXXX XXXX credit report. The following credit card accounts are fraudulent and unauthorized : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, the following credit inquiries are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XX/XX/2017, XXXX XXXX XX/XX/2017, XXXX XXXX XXXX, XX/XX/2017
Complaint sub-issue: Threatened or suggested your credit would be damaged

I am a victim of identity theft a victim of fraud my personal information has been sold to different individuals, and these individuals has used my personal information to obtain credit. under my name. I went to the police department to file a police reports concerning this matter. I was informed that someone fraudulent open up 12 cellphones XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, under my name and obtain credit to get the cellphones.I contact each vendor to let them know I'm a victim of identity theft and that my identity has been stolen. XXXX XXXX XXXX sent me a package to fill out and get notarize I completed the package and mailed it back to XXXX XXXX XXXX they deleted the fraudulent account but before during so they sent the account over to a collection agency and it keeps getting sent from collection agencies to collection agencies. I have the letter that XXXX XXXX XXXX stating they deleted the account but the collection agency is still reporting it on my credit report with XXXX XXXX, XXXX, and XXXX   this XXXX XXXX XXXX account needs to be deleted now. I have submitted the documents to the creditors showing them that it is fraud. I need this XXXX XXXX XXXX account off my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A : states I have the rights to privacy.

15 U.S.C 1681 Section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I contacted equifax mid XX/XX/2018 via hand written letter. I asked them to verify with the information that CURRENTLY had on hand and to send me what they had in that file to verify each item. I'm well aware of my rights and know I'm aloud to request that information. I went on further to say " please don't send me back a piece of paper that just says " verified " Well! That's exactly what they did. The accounts are fraudulent so how they are verifing them properly is beyond me, plus they are responsible for furnishing the documents in my file at the time of my request used to verify them anyway, they did NOT. 

They sent me these papers plus a copy of my report. Clearly is a stall tactic. 

I'm now asking the CFPB, FTC and XXXX to step in.
Complaint sub-issue: Deposits and withdrawals

Having been an account holder with DISCOVER Bank now for XXXX years, holding both a high interest savings and a Cashback Checking account, I have had several issues revolving around withdrawals and deposits. The most recent issue commenced on XXXX XXXX, XXXX, when I attempted to purchase a ride using ride-sharing service XXXX, around XXXX PST. The transaction was declined, and I immediately phoned in to inquire as to why. The representative erroneously informed me that it was XXXX who had blocked the transaction, as I stood on the side of a road attempting to get a ride home from a holiday party. After using another card with limited funds, I returned home, only to have the issue of blocked transactions recur the following ( XXXX/XXXX/XXXX ) day several times when attempting to order groceries via XXXX and purchase items at a popular clothier, XXXX. 

Since XXXX XXXX, XXXX, I have had nearly every single transaction attempted blocked by DISCOVER Bank, forcing me to call in each time and sit on the phone with often inept and confused agents, for 45 minutes - 1 hour each call. I have escalated this matter to managers, supervisors and now XXXX 's Executive Offices. DISCOVER Bank 's Executive Offices agent XXXX ( supposedly on behalf of DISCOVER Executives ) claims that they can not circumvent " system decisions '', telling me that I have no other choice but to call in after each and every blocked transaction to have a manual approval of each transaction ; this is extremely time consuming and absolutely unacceptable. To reiterate, since the first decline on XXXX XXXX, XXXX, nearly all of my transactions ( between 10-15 total ) have been blocked by DISCOVER, regardless of the merchant, rendering my checking account effectively useless and blocking me from utilizing my funds when I need them most. 

Please note, that while I certainly understand fraud measures and the need to protect the consumer and the Bank, the number of times in just a span of four days that DISCOVER Bank has blocked my debit card transactions has been grossly excessive and beyond unacceptable. The Executive Offices staff was regrettably of no assistance, stating simply that I have no options other than to " deal with '' the situation until the system recognizes my spending patterns -- I find this to be both unethical and unprofessional to the highest degree. I am a consumer who should be able to utilize their checking account without the constant need to phone in, hold for nearly an hour, deal with inept customer care agents, only to have the situation recur sometimes hours later. To note specifics, I have had multiple transactions blocked on the following dates : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ; this is grossly excessive and unacceptable, and I am requesting immediate resolution to this matter.
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022 ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Complaint sub-issue: Public record

My husband and I printed our credit report, and there was a judgement on the report from 2011. We paid this years ago, after going to the State and getting a print off of Satisfaction of Lien, we then went to the XXXX XXXX XXXX court, who explained we would have to submit a complaint to each reporting bureau.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : Balance : {$18000.00}
Complaint sub-issue: Problem accessing account

I use the XXXX  app and Im trying to update my banking for some reason PNC has blocked them from accessing my account. Which I dont understand since its an app to help people manage their money
Complaint sub-issue: Account status incorrect

Equifax is incorrectly reporting an account for the XXXX XXXX XXXX ( XXXX XXXX ). The original credit reporting agency ( CRA ) is the XXXX and XXXX XXXX ( XXXX ) building located in XXXX, Ohio. The account is reporting as a closed collection account for child support and updates every month as a closed collection account til this day. I have sent in a dispute letter listing the violation the XXXX has committed against me. XXXX is reporting my personal information unlawfully to third parties, and Equifax is improperly reporting information it shouldn't had in the first place.
Complaint sub-issue: Need information about your loan balance or loan terms

I called Great Lakes on XX/XX/XXXX requesting a refund on payments sent during the COVID pause. I was given a 20 business day lead time for the balance to be received back to my account. On XX/XX/XXXX, I called once again after I still did not receive my refund. They could not give me any information and gave a vague " any day now ''.
Complaint sub-issue: Can't use card to make purchases

To whom it may concern, I'm writing to convey my frustration with Citibank and any other financial institution, who find it appropriate to prohibit legal sales of firearms. The responsibility of these creditors is to provide a secure and simple means of purchasing, not to impose their own set of laws ; if a private, small-business baker   can't choose to deny based on their faith or societal proclivity, neither should any prodigious, public, taxpayer-bailout-fund taking large business. 
Their time would be better spent establishing a system to prevent scammers and any fraudulent intent used by their system, not prohibit any and all legal transactions made by law-abiding citizens.
Complaint sub-issue: Account information incorrect

SINCE XX/XX/2020 I REQUESTED A DEFERRMENT FOR MY XXXX XXXX PERSONAL AND BUSINESS CREDIT CARD, THEY GAVE ME THE DEFERRMENTS THRU THE COVID 19 CARES ACT DUE TO COVID 19. THEY PUT A 30 DAYS LATE ON MY PERSONAL CREDIT REPORT. I ASK THEM WHY DID THEY PUT A LATE PAYMENT ON MY REPORT, THE LADY YOU SUPPOSE TO GET LATE PAYMENTS WHEN YOU DEFERRED THRU THE CARES ACT. I TOLD HER THAT THE CARES ACT PROTECT YOU FROM EVEN GETTING A LATE PAYMENT THATS WHY ITS CALLED A DEFERRMENT AND IT IS ALSO THE LAW THRU THE CARES ACT THAT IF YOU REQUEST FOR THE DEFERRMENTS AND THEY WERE GRANTED THEN NO LATE PAYMENTS WILL OCCURR ON YOUR CREDIT REPORT WHILE YOU ARE IN DEFERRMENT. THE LADY SAID I DONT KNOW WHAT YOU TALKING ABOUT AND THATS NOT TRUE AND THATS NOT THE LAW AND IS THERE ANYTHING ELSE SHE CAN HELP ME WITH. IM NOT EVEN SURE IF THEY PUT LATE PAYMENTS ON MY BUSINESS CREDIT CARD THRU XXXX XXXX AND EQUIFAX XXXX AND XXXX, XXXX AND XXXX DOES NOT REPORT.
Complaint sub-issue: Information belongs to someone else

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Transaction was not authorized

I was scammed via zelle. I reported the incident to XXXX and to my bank and neither is helping out. 
I was selling an item via XXXX XXXX. I received a note ( via the buyer ) on XXXX XXXX XXXX ( fradulent ) that i had to set up an account with XXXX  business before the transaction could happen. " XXXX '' requested money to set this up -- two separate times. By the time I realized it was a scam they were asking for a third payment ( I then realized it was not really XXXX XXXX. 

The total taken out of my account was {$550.00}
Complaint sub-issue: Attempted to collect wrong amount

XX/XX/XXXX I received a notification fromMRS BPO LLC asking which of 3 options listed would I like to statuary my debt to XXXX XXXX XXXX. This is a debt I have disputed in the past due to the high amount however XXXX could only tell me it was sold to a collections company and they would be in contact. This is the first I have heard from this company and the collection is not on any of my 3 credit reports. I called the agency and asked for validation of debt. After asking several times if I would go ahead and just make a small payment today, the agent finally agreed and said she would follow up in 10 days. I relayed to her my concern was regarding the amount of the debt and I didnt agree with the total. 
I received the packet from MRS. For starters, the information on the cover letter is very limited and besides my name and address it is incorrect. The information listed os for a PPL account with account number and balance of {$220.00}. Moving past the cover letter the documents are for the XXXX loan, however it does not contain a transaction detail listing showing my payment history. There was a copy of my original 9 page lease, a copy of the letter on how to purchase the car before auction and a post auction bill. No record of any sort regarding payments made to the account. 
One page lists the repossession at {$750.00} then another lists it at over {$1600.00}. Then there are all these misc fees however when reading through the lease, the only fees mentioned are late payment and based on my monthly payment amount, that would be {$19.00}. So I dont understand misc fees in excess of {$2400.00} on the final statement. And again where are the deductions for payments made? I know a minimum of 23 months of payments were made and that is from my XXXX report page payment history on this entry. 
Since this company is not on my credit report I submitted a dispute against XXXX regarding the amount. They didnt address the discrepancy regarding amount owed and amount paid either. They concluded with if you have any further questions please call customer service at... Which I did the next day. Just to be told what I was told earlier this account has been charged off and sold to a collections agency we have no information on this account I called MRS at XXXXXXXX XXXX  ( their advertised hours of operation are ( Monday - Friday XXXX ). And the recording asked me to hang up and call back during normal business hours. 
I have tried to get this situation resolved before the repossession and lack of communication and inability to explain the misinformation has made it a nightmare. In addition, this was a voluntary repo. After missing 1 appointment I had to call and reschedule to meet the representative and hand over the keys. I thought certain fees were subtracted for a voluntary repo.
Complaint sub-issue: Frequent or repeated calls

This wasn't a frequent call, it was more that they called me at XXXX XXXX  to get me to give them information on my XXXX XXXX XXXX step-son who has not lived with me or even lived in the same state as me in nearly 20 years. My step-son has never shared a phone account with me not do we have similar numbers. We don't share any financial anything together.
Complaint sub-issue: Debt was paid

I have made a few attempts to take care of a debt that I dont owe from XXXX XXXX XXXX XXXX I contacting MRS BPO Associates, each time I have explained why I do not owe this debt. Just today, XX/XX/23 I called to ask for email address to send my proof that I do not have any debt. The person I spoke to, today and on another occasion was very rude ( yelling, combative, accusing ) and very verbally abusing.
Complaint sub-issue: Collected or attempted to collect exempt funds

I have some old retail credit debt appx XXXX k that I have put in a debt relief program however the debt collector to whom it was sold, omnipoint, is threatening to sue me calling me from multiple numbers atleast 10 times a day asking very personal questions leaving threatening vm and trying collect money from my veterans compensation.
Complaint sub-issue: Reporting company used your report improperly

I ALREADY REQUEST PROOF THAT I MADE THOSE INQUIRIES, I AM ALREADY A CLIENT AND THERE IS NO NEED TO HAVE HARD INQUIRY ON MY CREDIT AND WHY MULTIPLE INQUIRIES? 

XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax had a major security breach release large amount of my personal information. I received multiply phone calls about fraud activities with my social security information that was released.
Complaint sub-issue: Information belongs to someone else

I need these items removed from my credit report. On XX/XX/2021 I sent a notarized identity theft affidavit, and police report to the creditor, and items have not been removed from my credit report
Complaint sub-issue: Information belongs to someone else

I am requesting that you delete information off from my credit report because I am not connected to any of those accounts like absolutely. Well, I believe happened a big mistake and I became a real victim of identity theft. I kindly ask you to help me because of I do not recognize these accounts. These accounts are definitely not mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. 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: Information belongs to someone else

It has been discovered that you are not DISCARDING files when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm uploading this Complaint to assist with laying out a lawful response. In the event that you decide to not REMOVE the accompanying things written down below which are answering inappropriately because of fraud, I will hand my archives over to my lawyer to begin a lawful procedure. It's my goal to not seek after any legitimate activity so if it's not too much trouble, act in accordance with the law : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX  XXXX Balance : {$0.00}
Complaint sub-issue: Deposits and withdrawals

I have a XXXX Account with Optum XXXX. I submitted a claim for reimbursement on XX/XX/2022. On XX/XX/2022, payment in the amount of {$420.00} was issued as a check. But the check was send to my old address and I never received the check. On XX/XX/2022, I contacted Optum XXXX and I was told that the check has been cancelled and an ACH has been issued. On XX/XX/2022, I contacted Optum XXXX again and I was told that since the ACH has been issued, there is nothing Optumn XXXX can do in this regard. When I login to my XXXX account, I can clearly see that there is no bank account associated with the ACH that issued. Although, there is a bank account saved on my account and hundreds of reimbursements have been issued to my account over the years. I need Optum XXXX to take responsibility of issue and resolve this matter. 

Below is the transaction details from the Optum XXXX website : SERVICE INFORMATION TOTAL CLAIM AMOUNT {$420.00} APPROVED AMOUNT {$420.00} PAID AMOUNT {$420.00} NOT YET PAID {$0.00} STATUS Paid VENDOR / PROVIDER XXXX XXXX XXXX TYPE Optometrist Services SERVICE FOR XXXX XXXX DATE OF SERVICE XX/XX/2022 SUBMIT DATE XX/XX/2022 XXXXE Reimbursement Request ACCOUNT ( XXXX ) PAID FROM XXXX {$420.00} PAY TO BANK NAME ACCOUNT NUMBER ACCOUNT TYPE CHECK SENT TO XXXX XXXX PAYMENT DETAILS ACH # XXXX PAYMENT SENT XX/XX/2022 PAYMENT CLEARED AMOUNT {$420.00} CHECK # XXXX PAYMENT SENT XX/XX/2022 PAYMENT CLEARED AMOUNT {$420.00}
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information on my file. The items I need deleted are listed on files attached. 

I am a victim of identity theft and did not make the charges. I ask that all the items be deleted off my credit report. 

I reported the theft of my identity to the Federal Trade Commission. 

I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Thanks in advance for your time. 
- XXXX