Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem accessing account

This is with regard to multiple issues with DiscoverBank. After trying to obtain resolutions from customer service people at call centers approached a different way, letter to the CEO, reported bank to every federal agency out there, now this one. Was contacted by a XXXX XXXX, claiming to be Associate, Executive Advocacy, DiscoverBank, who told me to deal directly with her, she even gave me her direct phone number, informing me there were 8 people in this Executive Advocacy group. Since then, of course can not reach her at all, trying for a week, get message, we are closed, try next business day. Same message when trying to call customer service. WHAT! Have on going IC3s with the FBI, in DC as well as my home state, Connecticut. My banking is becoming ridiculous, opening accounts, closing accounts because of fraud, you name it. Had accounts with XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, to name a few. I have had various accounts my entire life with no issues to report, now, my banking has been an abomination.
Complaint sub-issue: Account terms

I had duplicate accounts in XXXX which shows the balance XXXX e.g. XXXX $ on a card that has {$4000.00} total. I erased the XXXX card and paid off the card since.
Complaint sub-issue: Information belongs to someone else

Jefferson capital keeps reporting a balance on my credit reports that I have told them is not my account they are saying its a XXXX account which I never opened. It was disputed with both XXXX and XXXX and it was removed after a dispute. Now they have added it back as a new account to both reports. I have had the same cell service for 10 years I have never opened a XXXX account.
Complaint sub-issue: Information belongs to someone else

continue dispute all credit agencies violated section 605A/605B fcra id fraud ... remove all outdated and fraud accounts " XXXX XXXX XXXX AND XXXX XXXX ... REMOVE FROM ALL 3 CREDIT REPORTS ... .OTHER CASE # XXXX
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 Enhanced Recovery, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I have XXXX collection accounts which are unfairly reporting on XXXX, XXXX AND EQUIFAX credit reports.Both collection accounts had previously been addressed with the original creditor at the time of the problem and dispute of the debt with the original creditor. 
The first one XXXX, account number XXXX, is a collection for XXXX, the original creditor.At the time of the problem I contacted XXXX regarding numerous unauthorized charges.It appeared that someone was using my phone without my permission.In contacting XXXX multiple times to resolve the problem, XXXX kept escalating my calls to higher authority but each time finally keeping me on hold indefinitely without answering or addressing the issue.Finally I gave up because it seemed XXXX could n't or would not address the issue. 
The second account XXXX, account number XXXX is a collector for XXXX, the original creditor.I had a situation where my phone bill escalated dramatically with unauthorized charges.In a dispute with XXXX on the phone they could not explain or identify why my bill which had remained constant had now trebled. 
After notice without resolution, XXXX continued the charges and continued billing for them monthly escalating the bill.
Complaint sub-issue: Banking errors

On XX/XX/XXXX I filed a complaint with the Better Business Bureau against Key Bank. My first complaint was assigned ID number XXXX. From XX/XX/XXXX through XX/XX/XXXX, Key Bank was not cooperative with the Better Business Bureau and the case was closed and the BBB reported the complaint as unresolved. On XX/XX/XXXX, I filed a second complaint with the BBB and the second case was assigned ID number XXXX which was also closed and the BBB listed it as dissatisfied. My first complaint is that Key Bank has not issued my {$300.00} bonus that I am entitled to because my direct deposit occurred within 60 days of account opening and I have a document that states : Offer code XXXX has been applied to this account. My second complaint is that Key Bank has not refunded the {$7.00} fee charged on XX/XX/XXXX and the {$7.00} fee charged on XX/XX/XXXX in which I have an email from Key Bank representative XXXX stating that the fees would be refunded if I called in or came in. On XX/XX/XXXX I came in to the branch located at XXXX XXXX XXXX because that is where XXXX XXXX works and she handled all the email correspondence with the BBB to resolve both of these complaints. However, XXXX XXXX has not yet responded to these complaints even though Key Bank banker XXXX  XXXX called XXXX from her desk to inform her that I was there to address these complaints. I have all the documents and emails concerning these complaints in which I can email or fax for review.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX  XXXX Credit Bureau : Name : XXXX  Credit Bureau : Address : XXXX XXXX XXXX XXXX, PA XXXX Credit Bureau : Equifax Credit Bureau : XXXX XXXX XXXX XXXX, GA XXXX  Date : XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX, and I noticed an unauthorized inquiry had been made.

I contacted XXXX & Equifax, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile.

I request that you initiate an investigation into XXXX & Equifax inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Thank you for your assistance in this matter, XXXX XXXX XXXX XXXX XXXX   XXXX, FL XXXX
Complaint sub-issue: Information is missing that should be on the report

My consumer file is inaccurate and incomplete. I am writing to you today regarding account ( s ) # XXXX XXXX XXXX XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX, which is not posted in my file. I am asking to you to correct this by inserting the missing information into my credit report file so that accurate information is being reported.
Complaint sub-issue: Add-on products and services

I have been charged {$5.00} monthly for XXXX XXXX credit life insurance without my acknowledgement. I contacted them around XX/XX/XXXX advising them of the charge and no action has been taken as of today XX/XX/XXXX. 
This was from best buy XXXX  card
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a dispute with Equifax and XXXX on XX/XX/XXXX, to show that XXXX has deleted certain accounts, I also provided the letter to prove that those items was deleted off my report. I have not heard anything from XXXX at all and I have disputed more items beginning in XX/XX/XXXXof this year. Equifax have n't responded either. the items are still reporting on my report. i have asked both agencies to give me there burden of proof of the info and people who verified the account. neither has giving me that info. all of my accounts are frozen until this matter is resolved. please delete the items off my acct XXXX has already done so. if they could n't verify, neither can you.
Complaint sub-issue: Reinserted previously deleted info

I was being charge with fees from an Appt complex when I moved out. So I filed a complaint with the, " XXXX XXXX XXXX ''. After the review, the XXXX rule in my favor. During the XXXX review, I paid the collection company, because I was getting threatening letters and was being harassed daily. XXXX I receive the letter that XXXX ruled in my favor, I sent out disputes to all XXXX credit reporting agencies, the collection agency the Appartment company and requested the money back that I paid and disputed the XXXX check was sent to me in XXXX 2014 from the apartment company refunding me the money that I had paid. As of today this derogortory information has not been removed from my credit report. 
XXXX
Complaint sub-issue: Debt is not yours

AllianceOne purports that I owe them {$100.00} with no justification or lawful cause. Their client purports I owe a debt and I do not owe this debt. Here is why the debt that AllianceOne is attempting to collect is improper.
XXXX XXXX, 2017 This is from the Local Rules for XXXX XXXX County : Rule 5.16 ( d ) " Sanctions and/or fees may be imposed on any party that fails to contact XXXX  at least 24 hours before the scheduled appointment. '' No sanctions or fines apply to me since I contacted XXXX last time 24 hours prior to cancel and sent AllianceOne all proof of said in six ( 6 ) prior emails and written letters.
I also infer that without fail no party cancelling 24 hours or more in advance shall be liable for fines, and therefore, I do not owe any fines.
In view of this, AllianceOnce, the collection agency, needs to cancel my fines and send me a confirmation of this said ( regarding Account # XXXX ) since they have not yet done so.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have placed a fraud alert with all credit bureaus as of XX/XX/XXXX. I received a copy of my credit report to see that the same companies, sometimes up to 3 or  4 times a week were placing inquiries on my report that i have NOT requested. I called each bureau, without success, so am hoping on some time of relief as the multiple inquires are placing burdens on my accounts. I am not sure if my information was affected in the multiple breaches there have been. They are below. Thank you *XXXX XXXX XXXX XX/XX/XXXX ( 3 separate occasions on this ONE date ) *XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX XXXX on XX/XX/XXXX *XXXX on XX/XX/XXXX *XXXX XXXX XXXX XX/XX/XXXX, and XXXX on XX/XX/XXXX *
Complaint sub-issue: Their investigation did not fix an error on your report

Hello - I am a victim of identity theft. I have contacted Equifax several times and send in FTC reports to ensure that that they have all the information as it pertains to me. I am being a victim Over and over again. Equifax refuses to remove these accounts and the creditor still says that it is mine and sends me a copy of a statement as proof. How can a statement prove that this belongs to me? I have had my taxes taken by fraud, my bank account taken, bank account opened everything and no one at Equifax wants to help
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XX/XX/XXXX I scheduled a one time payment that would bring my account current. Days before that payment was due I received an email from the company stating that they were taking an amount which was not the amount that we agreed on so I emailed back saying do not take any payment from my account because that is not what we agreed on. Yet days later I found out that they took it anyway. When I notified my bank they fixed it and removed any overdraft fees. Now in XX/XX/XXXX I received a message from discover saying that they received my payment and they were thanking me. I immediately called them because I had never scheduled a payment with them. When I called the rep stated that they had signed me up for automatic payments and i let her know that I did not authorize that and due to me losing my job and being homeless I would not do that. She apologized and stated that she would cancel it I let her know that this was going to put my bank account in the negative and I didnt want that she said that there was nothing that she could do. I went into my bank and let them know that a transaction was probably going to come through that I did not authorize and they stated that they would keep an eye out for it. Well after days had passed I got an alert from my bank saying that my account was in the negative and I immediately knew why. I reached back out to my bank and she tried to file a claim but since it was rejected she said that she could not and that the credit card company would have to fix it which they refuse to do. I have spoken with them several times and I am getting nowhere. This all began with setting up a one time payment and discover taking it upon themselves to sign me up for autopay and now they will not fix this. After filing this claim I will be reaching out to any and every agency that I can to complain. I was even advised to reach out to them about a hardship program that they have for people that have fallen on hard times and they said that they dont have anything that can help my situation.
Complaint sub-issue: Reporting company used your report improperly

I filed bankruptcy on XX/XX/XXXX and finalized it in XX/XX/XXXX. This information should not appear on my credit report as the Courts do not report this information. Please look into this and remove both derogatory marks from my credit reports. I have submitted several inquires and have been told the information is correct, but have not been provided proof.
Complaint sub-issue: Personal information incorrect

On XX/XX/XXXX, I submitted a dispute for inaccurate names on my reports addresses that I am not living at to all three agencies. I also did this process in XXXX of XXXX and was put back on my XXXX report. I enclosed documentation providing proof of my identity, and current address, as instructed to do the website. The three agencies have not removed the incorrect names and addresses.
Complaint sub-issue: Information is missing that should be on the report

My XXXX Secured card reported to XXXX  Equifax And XXXX As XXXX XXXX And was removed from my report On Or Around XXXX after it stopped reporting Around XXXX Of 2019 And i would like it back on my report. XXXX has told me to Request the bureaus Put it back on my report if this is wrong please contact XXXX XXXX  and advise them of this.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I sent a debt validation letter on XX/XX/2021 and LJ Ross Assoicates failed to validate my debt. Instead on XX/XX/2021 they sent me a list of my medical records, which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to my medical information. Please delete this information from my credit file and cease all collections and activities immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account name XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, Account name 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
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX  XXXX Date Opened : XX/XX/2017 Balance : {$220000.00}. 

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 an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently obtained a copy of my Equifax Credit Report and notificed that inquires disputed had in fact been deleted confirmation number XXXX and XXXX but today I pull my credit and see where all the inquiries removed have been added back to my credit report and I wasnt provided any notice that they would add back please see attached proof that the inquiries were deleted and have been readied .... in addition a previously disputed collection item with XXXX XXXX XXXX account number XXXX disputed on or around XX/XX/2018 was deleted and communicated to CFPB Under report number XXXX however the account has now been reapplied to my credit report without noticed to me if the item was incorrect and unverifiable then it is also inaccurate and unverifiable now please see attached proof it was previously removed
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

This account was a included in my bankrupcy dated XX/XX/2016. It is showing on my credit report now as a new account, which I never applied for. I have advised the credit bureau of this many times and it remains on my report. I have no paper work to send on this account, because I did not apply for it. Please assist me in getting this off of my report.Thanking you in advance.
Complaint sub-issue: Didn't receive notice of right to dispute

Tried to use my personal checking account With XXXX. 
XXXX uses Telecheck. 
They avoided all questions-Poor. 
I am XXXX years old. This happen a few years back. 
My Credit is over XXXX. 
I pay my bills!! Even with the XXXX  not asking for handouts. 
It's time for Telecheck to remove what ever they have. 
Been with XXXX XXXX XXXX for over 35 year, XXXX over 10. 
They are willng to give a letter on my accounts. 
Telecheck this is Unjust. 
Do the right thing and remove this! 
Way to long!!
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX is still not reporting my mortgage payments. They have not reported payments from XX/XX/XXXX- XX/XX/XXXX. This information need to be updated. It is affecting my credit score. I was told they report payments monthly. But they are no reporting my payments monthly.
Complaint sub-issue: Account status incorrect

sorry my grammar is not 100 % accurate! 

Hi & To Whom It May Concern : How are you doing? Im not sure who to bring this up anymore, but I been dealing with the original dealership XXXX XXXX for the last 3-4 months in regards to a vehicle that was never on my possession. As I mentioned, I never took the delivery of the vehicle and its been on principal owner XXXX and XXXX dealership for day one due to mechanical issue. And now my credit report is all ruined because the principal owners never dealt with them on timely manner. Every time I called them, they kept saying that they dont have the money to send back to the bank to remove this from my credit report. Ive called the alleged bank XXXX XXXX several times and they stated in several occasion that once they receive the money from the Dealership that submitted the Credit Application they will go ahead and remove the tradeline from my credit report. 

Today, I look at my credit report again, it continues to report incorrect on my credit profile. It shows balance {$0.00}, however, its reflecting with derogatory mark, such as comments as settled-less than full balance, other bureau shows account legally paid in full for lass than the full balance, and Equifax reports as settlement accepted on this account or paid account/XXXX balance. As you can see on the pictures, I NEVER made the payment on this account. The dealership made the payment directly to the bank and you can see the check was made by them XXXX  XXXX XXXX XXXX. 

Therefore, this is causing me tremendous stress, and Im overwhelmed with lack of professionalism and blunt errors on my credit report which is costing me thousands in interest rate and fees. 

Please, I ask again, resolve this from my credit report either CORRECT as Paid NEVER late or remove the entire trade line from my credit report as promised. 

-- I need the company to remove this tradeline from my credit report as I never made the payment, and never took the delivery of the vehicle. Please delete this tradeline from my credit report.
Complaint sub-issue: Debt is not yours

A collection account was placed on my XXXX credit file XX/XX/2019. Upon reviewing this item on my credit file, I responded with a dispute letter, requesting additional information on this account. After realizing that the item was wrongly placed on my credit file, XXXX removed the item, then reinserted it about a month later without properly notifying me. Violating the Fair Credit Reporting Act law which requires the consumer reporting agency to notify the consumer through a written letter within five business days after the determination is made. 
However during my very own investigation, I was able to contact the alleged debt seller of this account. Attached along with this correspondence, is an Email from a representative at XXXX XXXX apartments in XXXX Texas. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Phone number ( XXXX ) XXXX. The gentleman was unable to verify any claim that I signed a lease agreement at the above apartment complex. 
Further more, despite numerous requests, XXXX and this debt buyer have failed to show any details about the age and of the original source, a detailed explanation of any interest, the date the original creditor claims the debt became delinquent. 
According to the FCRA, IQ Data International and XXXX have violated my rights as a consumer. And I am requesting legal action to remove this account from my credit file immediately.