Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

1.When my card was opened I was not aware of having the card and never used it, therefore Discover open my card fraudulently without my consent which is my privacy violation by Discover. I have never signed any single payment receipt and was not even aware of that account existence.

2. My card was used to pay for the services without my consent. My card was used to dispute payment for service without my consent since per Discover Terms and Conditions Discover will protect poor services. Please view attached Discover Terms and Conditions.

3. In violation with Discover Terms and Conditions Discover did not protect me, never contacted me to verify if I opened the card.

4. Discover placed adverse derogatory write of to my credit report which is fraudulent.

5. I have contacted Discover many times with no avail.
Complaint sub-issue: Threatened to take legal action

The is at the least the 2nd complaint that I 'm filing against XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and Discover within the last several months. I have been harassed and threaten for almost a year now with emails, phone calls, letters, and now a legal Judgement. XXXX XXXX XXXX has been consolidating and resolving 7 debts for me starting in XXXX of 2014. Over 60 % of the debts have been resolved and I 'm waiting on the remainder to be resolved. But all Discover has done is harass and threaten me since XXXX XXXX XXXX has been consolidating and resolving my debts. My rights have been violated and I want XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, and Discover investigated by your agency and the FBI. They seem to be doing the same thing that your agency caught XXXX doing..? There is something illegal going on with Discover 's practices and I would like for the Federal government to investigate all the parties previously mentioned. I 'm writing to the President of the United States, the U.S. Congress, the FBI, the Federal Trade Commission, the Governor XXXX, and the Governor XXXX about Discover and their practices ... I have already started writing. I 'm sending the copies of the Judgement to the White House and others mentioned ... and to as many media outlets as possible to tell the public what Discover has done to me and possibly many others.
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 : //www.ftc.gov 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. 
XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Information belongs to someone else

I noticed lots of accounts on my report I do not recognize
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019 I called XXXX XXXX to have my monthly car payments withdrawn on the XXXX of every month starting XXXX-19 until further notice. I went away for my birthday week and expected my bills and car to be automatically withdrawn as I was assured and told by XXXX at XXXX that I was all set up and my automatic payments would start XXXX-19. I received my XXXX XXXXXX/XX/XXXX bank statement from my personal bank and saw my car payment did not come out. I immediately called XXXX and was told they have been having computer issues and will fix my account. I paid them XXXX XXXX as they said I was 33 days behind. I paid up in advance. The next 3 days o received a notice from XXXX   that o was two payments late. I called XXXX to fix this and another women told me I had to dispute this issue. Well I did to all 3 credit bureaus, the following day. I had update to my payment and Iam current but the late charge for XX/XX/2019 was not my mistake. I have been paying two years and excellent payments. This has hurt my further as my credit score dropped and I have had my credit scores in the 700s for my hard work, me being responsible and me paying my bills on or before my due date.
Complaint sub-issue: Debt is not mine

received letter dated XX/XX/XXXX from ERC stating that I owed a debt to XXXX, acct # XXXX in the amount of {$430.00}, reference # XXXX. I have never held an account with XXXX and do not owe them any money. This is a fraudulent attempt to collect money from me.
Complaint sub-issue: Problem getting your free annual credit report

I am unable to request my annual credit reports from XXXX and Equifax. ( XXXX  works fine. ) XXXX wants me to mail a request form which is a hassle but reasonably acceptable. 

Equifax wants me to mail a request form with an absurd quantity of personal information ( see below ) which would leave me open to identity theft should that mail be misdirected. 
********************************************** Please include with the attached form a copy of one item in EACH of the categories below in order to assist us to verify your identification and address. The item you submit from the " identity '' category MUST contain your Social Security number and the item you submit from the " Address '' category MUST contain your current home mailing address. 

Identity Social Security card Pay stub with Social Security number W2 Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills )
Complaint sub-issue: Didn't receive notice of right to dispute

Enhanced Recovery Company has place negative information on my credit reports claiming that I owe them {$780.00}. I have sent them a Validation letter request ( see attached ) via Certified USPS mail and have requested they send me the information I have requested. 

This company has hundreds of complaints online about its misuse and collection tactics. Under the fair debt collection act, this item has to be removed pending investigation, and if Enhanced Recovery does not comply with my validation letter this item must remain removed from my account.
Complaint sub-issue: Debt was paid

I am contacting you concerning a collection account through Escallate , Inc. listed on my credit bureau reports. This account was paid on XXXX/XXXX/2016 and when I spoke with the customer service representative they stated they would deleted this trade line from all XXXX of my credit bureau reports, but yet for whatever reason it still remains even after SEVERAL attempts to dispute the information. Below is what is stated on my credit report as of XX/XX/XXXX : Escallate , LLC ; Collection Reported XXXX ; Assigned XXXX ; XXXX ; XXXX XXXX XXXX ; Amount {$830.00} ; Status as of XXXX Unpaid ; Date of XXXX Delinquency XXXX ; Balance as of XXXX {$830.00} ; Individual Account ; Account # XXXX ; ADDITIONAL INFORMATION Consumer Disputes This Account Information ; Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX : ( XXXX ) XXXX As stated as part of paying on this account I was promised this account would be taken off my credit bureau reports and I am expecting this agency as a business to do so, they put the negative information on my report, I paid the collection and they have the power to take it off.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The inquiries are unauthorized and need to be REMOVED from my credit file 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 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 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 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: Debt is not yours

I was on XXXX XXXX and saw some debt that shouldn't be on my report.None of these debts are mine.  I would like to have these resolved and removed.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX ), And Account # XXXX ( XXXX 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
Complaint sub-issue: Sent card you never applied for

On XX/XX/2018 I did submit an application to open one ( 1 ) credit card account ( to get a discount on service ). 
The merchant told me that there was an issue with the computer/application process, and the application did not get transmitted. 
On XX/XX/2018 I received nine ( 9 ) XXXX  credit card in the mail. 
These Cards are issued by Citibank N.A. 
I am in the process trying to canceling all of them. 
I want to insure that my information is purged from Citibank 's system, that it does not " share '' my information that all the cards are closed, and that there are no other accounts open ( and will be no additional accounts opened ). 

Additionally I would like to know the reason that the multiple accounts were opened and by who.
Complaint sub-issue: Can't decrease my monthly payments

I have asked that my increased payment be applied to principle and was told my request must be in writing. So I put m request in writing. Nel net continues to apply to next payment instead of principle. I owe close to {$70000.00} I have XXXX children and pay ove 6 % interest. I have 20 more years and I am XXXX years old.
Complaint sub-issue: Debt was paid

I provided account information which showed debt was paid. To credit Karma. 
And it still is showing as 2 doragetory statements. Hospital bill {$500.00}. And {$300.00}. I sent authorization numbers and account paid numbers. 

And it's still on my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Have held a XXXX XXXX card/account for some years. However, within the last month or two, there is an inquiry for a new account on my credit report. The inquiry is for a XXXX XXXX account, that I have NEVER applied for. I never received any notification that my credit would be ran for such new account. When I sent a customer inquiry asking both why I had a balance on this XXXX  account and why my credit report was pulled for this account when I never authorized it, I received a response telling me they could not send that information to me via email. In order to maintain a decent credit score, I made a payment in full on this XXXX account. But I NEVER applied for this account, I NEVER received a card for this account, I NEVER made a purchase on this account and I NEVER authorized them to pull my credit report.
Complaint sub-issue: Other problem getting your report or credit score

I do not understand why my FICO score has gone down since I pay everything on time.
Complaint sub-issue: Old information reappears or never goes away

still reporting old debt that's is still on my credit report and I filed chapter XXXX bankruptcy last year. so the information should have been up dated by now. cause I got the discharge on XXXX of last year.
Complaint sub-issue: Inadequate help over the phone

I contacted XXXX and they were not able to verify the information on this account. The CRA reported verification of this account. I dispute the accuracy and method of the verification with the Original Creditor
Complaint sub-issue: Information belongs to someone else

I already reached out to the credit bureaus and to CBNA for the account number XXXX and notify them of their error posting for this account. and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical firsthand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
Complaint sub-issue: Information belongs to someone else

I am concerned about the validity and accuracy of the recent investigation done by Equifax..I requested for an investigation because the account XXXX   XXXX has nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score. CFPB please step up and delete this ASAP please Im looking to purchase a car.
Complaint sub-issue: Information belongs to someone else

It seems that my credit file has been compromised. I have no idea what is going on over there at the CFPB. I have submitted the same complaints for several times already but still these accounts are visible on my Equifax credit report. Since Im a hardliner for research, I found that under section 605b of the FCRA you are required by law to eliminate & block any accounts or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you FTC # : XXXX. Please block/remove these files US DEPARTMENT OF EDUCATION XXXX XXXX XXXXUS DEPARTMENT OF EDUCATION XXXX XXXX XXXX US DEPARTMENT OF EDUCATION XXXX .... US DEPARTMENT OF EDUCATION XXXX .... US DEPARTMENT OF EDUCATION XXXX .... US DEPARTMENT OF EDUCATION XXXX... XXXXUS DEPARTMENT OF EDUCATION XXXX .... If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled promptly.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, 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 an account without my written instructions
Complaint sub-issue: Company closed your account

Citi closes my credit card without notice and removes my remaining Thankyou points balance.
Complaint sub-issue: Information belongs to someone else

To Whom It May Concern, I am writing to delete the following information from my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the inquiries listed. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissionss Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Billing dispute for services

XX/XX/XXXX There was a fraud charge on my discover credit card which was disputed, but never reversed. 
In XXXX I was effected by the pandemic where I lost work and could not afford to pay my bills. Therefore my credit card defaulted. I disputed but derogatory remarks never was removed
Complaint sub-issue: Problem with personal statement of dispute

I made a purchase against my will off a cruise ship in XXXX at a store, XXXX XXXX, when the sales person coerced me, promising me gifts to complete the purchase. When I got home and realized that he lied to me, I called to return the merchandise. I had already given away what I thought were gifts, therefore, I paid for those and returned the balance. 
I was told that I can only be given store credit and that I will have to contact the Finance Department, XXXX XXXX XXXX, regarding my account, which I did. To date, the matter has not been resolved. After a year going back and forth between store and bank, they finally told me that there is no records indicating that the merchandise was returned. 

I will attach a copy of the letter acknowledging receipt of the merchandise, and copy of store credit as well as the last letter I sent to the bank.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX hasn't responded to my dispute letter in over 30 days. 

I have sent certified mail and attached the receipt number as well in my dispute letter. 


receipt # : XXXX The account # : I was disputing was : XXXX
Complaint sub-issue: Attempted to collect wrong amount

I have been harassed with phone calls about this debt and i have told them before i do not know anything about this debt and they need to remove the false information from my credit report.
Complaint sub-issue: Information is not mine

Equifax shows I have a hard inquiry from XXXX on my credit report on XXXX/XXXX/2016. I did not authorize a hard inquiry during this time.
Complaint sub-issue: Information belongs to someone else

XXXX  credit reports that I applied for a Best Buy CitiBank card on XX/XX/XXXX. This activity is fraudulent. I have called Best Buy 's hotline and ensured them it was fraudulent activity and they recommended I dispute here. This activity needs to be removed from my XXXX  credit report. 

On XX/XX/XXXX, XXXX  reported that I took out a XXXX/XXXX XXXX card. This activity is also fraudulent. I have reached out to XXXX XXXX hotline as well and ensured them it was fraudulent activity. This also needs to be removed from my XXXX  credit report.
Complaint sub-issue: Received bad information about your loan

They are refusing me my official transcripts stating that i owe money that i believe i do not owe and the XXXX XXXX XXXX XXXX XXXX passed a law on XXXX XXXX stating a school can not hold official transcripts as a way of making a student pay a bill owed to a school institute that it is seemed abusive and keep a student from being able to get a job in the future because jobs usually require a transcript. And also regarding the balance i was awarded a XXXX dollar scholarship once i had started the program and received a phone call from XXXX XXXX stating i would no longer have to pay. I had made XXXX payments adding up {$92.00} which left a balance of XXXX. Beginning balance was XXXX. If i was awarded XXXX scholarship and you take away the XXXX i had already paid and the XXXX that was left over that leaves and extra XXXX that should've came back to me however the school stated they do not give refunds on money left that it will be applied to future terms. Then soon as the future term came up the money disappeared and i have made many calls to the school disputing it and they say they would look into and never did. I called repeatedly and after a full year of me disputing the balance no one ever got back with me until i started asking for my transcript. I was also called by a man i don't know if he was from the company that services their private loans or a man female the school that called me in XXXX of XXXX stating that i would not have to pay the remaining balance because my house was crushed during the tornado that came through at the time. I've even tried paying some of the balance and the state they wanted it in full before i could receive my official transcripts. Which i then was notified about the law passed by the CFPB stating schools could no longer hold official transcripts due to money owed and i let them know and they told me to have my lawyer call their CEO.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX  are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Was not notified of investigation status or results

Hello, my name is XXXX I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent.
Complaint sub-issue: Called before 8am or after 9pm

On Friday XX/XX/XXXX at XXXXXXXX XXXX  XXXXXXXX National Recovery Agency sent multiple texts to my phone identifying themselves as a debt collection agency and then proceeded to attach information on an account. This was obtrusive and violates the FDCPA guidelines.
Complaint sub-issue: Their investigation did not fix an error on your report

The Loancare services company has been reporting inaccurate data for a year. I have disputed the current balance and the original loan amount with each agency, once a month for 365 days. Each time the Loan servicer confirms the incorrect data. They are not reflecting the loan modification amount at all and do not reflect the modified amount online or in any statements. I have entered formal complaints as well as disputes with them with no response. I am eager to find an attorney to formally advise that they are damaging me financially. I make an average of 3-4 calls to the loan servicing company and 5 calls to agencies monthly.