Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information is not mine

I urgently need XXXX to remove a Discover account on my credit report, that is reporting as charged off. I have disputed several times already and spoken to discover who says they have not been contacted. I was denied a mortgage because of this on my report. XXXX and XXXX have both removed immediately but XXXX has still not removed. I spoke to XXXX on the phone they told me I needed to reach out to discover in order to have removed quickly, I called discover discover says they need to have a dispute from XXXX in order to remove. Both are waiting in the other and I need those removed immediately. Discover says no dispute has been entered from XXXX. However when I call XXXX, they say I ca n't do anything because there is a dispute still in the process. This is my third dispute on this. I was an authorized user on someone else 's account but need to be removed as I am not liable for this account.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX  are reporting 9 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 4th 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: Account information incorrect

In XXXX  XX/XX/XXXX and XXXX, there were 2 accounts opened by Macys when I had asked for a credit card. Un beknown to me they created 2nd account and sent me a card in the mail along with access to a digital card the day I had applied. I was unaware of the 2nd whole new account created. When I had made a purchase with the digital card, I had made my first payment on time and signed up for auto pay to make sure that it was being paid in full in the event i make a purchase. We had went to the store in person and made a purchase using the physical card, we were under the impression that the physical card was an extension of the digital one and they were linked and the bill would be auto paid as set up prior. Since Macy 's had 2 accounts created for me I was never made aware that i owed a balance on a separate credit card under my name. This resulted in a 60 day late show up on my credit report, and lowered my scores. 

I had asked Macys to fix this mistake. I was given one excuse after another. They would not acknowledge the 2 cards being opened, my credit report shows otherwise and I had to escalate the matter. Upon escalation, I was told there would be an investigation and this matter would be resolved... fast forward 2 weeks, receive a notice stating that they were not going to fix this. I have went above and beyond to resolve this matter and they are unwilling to correct the issue. There is no reason why I would want 2 credit cards opened with Macy 's and both created 1 day apart.
Complaint sub-issue: Their investigation did not fix an error on your report

As early a s   XXXX   XXXX  , 2016 I disputed the accuracy of the reporting of   XXXX     XXXX   credit card accounts -- dispute letters to all   XXXX   credit bureaus and directly to the creditor. I never received any response to my dispute so I wrote directly to the alleged creditor on on   XXXX   XXXX  , 2016.    XXXX  My understanding is that this reporting must be removed if the creditor can document and prove that is both 100 % accurate and 100 % verifiable
Complaint sub-issue: Debt was result of identity theft

An ExxonMobil Credit Card through XXXX was opened using my identity. In XX/XX/2022, There was a charge of {$56.00} to this credit card which I believe was used for gas. I contacted ExxonMobil and they immediately began an investigation. What I wasn't told, was that during the investigation, they would be racking up {$30.00} late fees which is now at {$370.00}. I gave ExxonMobil all the information needed as to who opened the account, but still left me responsible and ruined my credit score from XXXX to XXXX. Had I known all this would happen, I would have just paid the {$56.00}. Exxon just cleaned their hands of {$56.00} & sent me over to collections. The other gas cards that were opened fraudulently using my identity were resolved immediately.
Complaint sub-issue: Account status incorrect

I have filed two bankruptcies and from my understanding bankruptcies are supposed to clear all debt. Or the date is supposed to be paid for or cleared and for me to start over. Well look on XXXX and on XXXX  XXXX  and it showing open accounts and that the bankruptcy didnt pay certain things. So for me filing and paying for those fees of bankruptcies I just want whats right and cleared for me to start over. Thank you
Complaint sub-issue: Account status incorrect

CFPB + Equifax + XXXX + XXXX, There is a credit card I am an authorized user on - that is not showing up on my credit reports - that should be showing up. 

This is for a XXXX XXXX XXXX XXXX  - dated XX/XX/2019 - it has always been paid on time. 

My drivers license ( for ID and address ) plus full account information is attached to this complaint. 

Please have this card show up on my credit reports as soon as possible.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches.

I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. 

Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

On or about XX/XX/2022 I sent letters to EQUIFAX describing multiple instances of fraudulent reporting on my credit report. I gave them 30 days to remove the accounts and they have not complied. The accounts are listed below. XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX No attempt to communicate with me regarding these accounts has been made. No attempt to validate the accounts has been made.
Complaint sub-issue: Debt is not yours

All my online disputes through the Bureaus were closed and determined accurate, I was not provided any additional information. I then wrote and mailed letters via USPS. First letter was in response to debt collector recent claim regarding money I owe showing on my report. Complaint started back onXX/XX/2020. requested proof & evidence which they failed to provide at first and by not replying in a timely manner to my initial letter they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 2nd letter requesting additional information received photocopied inaccurate documents of debt. 3rd letter due to be sent out, which I will notarize.
Complaint sub-issue: Problem with rewards from credit card

On  XXXX / XXXX / XXXX  I made a  purchase through the Citi Travel Rewards website for a flight in the amount of {$310.00} with my Citi Prestige credit ca rd.     According to the stated rewards and benefits of the card, I am entitled to a {$250.00} travel credit per calendar year for purchases made with the credit card. I made a travel related transaction last year in  XXXX  on  XXXX / XXXX / XXXX  for a  XXXX  flight in the amount of {$260.00} and was successfully refunded {$250.00} one week later on  XXXX / XXXX / XXXX .     Citi is not issuing me the travel credit for my  XXXX / XXXX / XXXX  purchase, however. This is especially problematic for me since I had intended to close my car d two mo nths ago, but have been waiting for the travel credit to hit my account. I now have a {$350.00} annual fee on that has hit my account on  XXXX / XXXX / XXXX  as a result of waiting. And because so much time has elapsed, I have now already paid the fee as part of my last closing statement.     I called t he Citi customer service on three separate occasions and reached three different customer service representatives. Each of them told me that my issue is being caused by a bug in their system that does n't recognize purchases through the Citi Travel Rewards website, but i t should be eligible for the {$250.00} travel credit. I was told by all three of the representatives that I just need to wait since there is nothing they can do and the credit will be issued to my account eventually.     I then sent a message to customer service and received a reply on  XXXX / XXXX / XXXX  telling me that the charge was ineligible since it was through the   Citi Travel Rewards website. This is despite all three other customer service reps saying it was actually eligible after checking with their manager. I responded to this message and asked them to please verify and was given a generic response telling me to send a letter to the " Office of the President. '' It has now been over two months and no resolution is in sight and the customer service team says they have no way to help me or is giving me conflicting information and is not confirming what is correct or not. Should I be waiting? Should I not? I feel that I have been wrongfully forced into keeping my card open so that Citi could collect a {$350.00} annual fee while they hold my {$250.00} travel credit hostage so to speak.
Your help here would be greatly appreciated.        XXXX
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX Date of inquiry XX/XX/XXXX XX/XX/XXXX Date of inquiry XX/XX/XXXX XX/XX/XXXXXXXXXX/XX/XXXX Date of inquiry XX/XX/XXXX DEPT OF ED Date of inquiry XX/XX/XXXX DEPT OF ED Date of inquiry XX/XX/XXXX
Complaint sub-issue: Investigation took more than 30 days

IN accordance with the fair credit reporting act jefferson capital system acct # XXXX has violated my rights. 


15 U.S.C. 1681 SECTION 602 A STATES I HA VE A 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: Not given enough info to verify debt

On XXXX/XXXX/17 I discovered Enhanced Recovery Corp had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification.
Complaint sub-issue: Account information incorrect

In reference to loan XXXX, Ally Bank erroneously reported that my son XXXX XXXX and I have made late payments resulting in the lowering of our credit scores by 100 points. XXXX is the primary owner of the XXXX XXXX XXXX covered by the loan and I am the cosigner. 


In XX/XX/XXXX, while making our regular payment the Ally Bank website stated that " Ally Bank offered a 3 month extension for those effects by the pandemic. '' My son was laid off due to the Covid, so we filled out the online form on the Ally website in good faith. Around XXXX we started receiving late notices and we attempted to contact customer service, thinking this was some type of mistake. After at least 10-12 hours on the phone we were unable to receive help. I also have requested to speak with a supervisor numerous times and have reported the issue on Allys twitter site, but still have received no help. I received a case number XXXX and have satisfied the terms of the agreement. We have appealed this to a supervisor ( XXXX ) but he was little to no help. 


We never had any late on any payments to Ally bank during the entire term of the loan, nor have we been late on any other loans. We request that you notify any and all credit reporting bureaus regarding Ally Banks mistake. 
Sincerely, XXXX XXXX and XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX  are reporting incorrectly a collection with XXXX XXXX XXXX XXXX XXXX partial account number XXXX for {$200.00}. ( Please see pages 25 and 26 of the attached credit report. ) This collection item was deleted from my credit report however, now it has re-appeared from the same collection agency, XXXX, and they have now generated a new account number and re-aged this collection. By doing this, they are in violation of the Fair Credit Reporting Act. I have contacted the ( 3 ) bureaus to have these line items removed however, I have not been successful. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report.
Complaint sub-issue: Account status incorrect

According to XXXX XXXX XXXX, there is a {$100.00} bill from XXXX. This is not accurate. My bill with XXXX was paid in full in XXXX 2012, when I moved from XXXX to XXXX. <P/>This continues to show on two of the credit reporting companies. Euqifax and XXXX. XXXX  removed it from my file at my request. <P/>I do not have payment information that goes back to 2012 as XXXX is requesting. <P/>Why does one drit reporting agency remove this from my file and the other two do not. Why is the burden of proof not on XXXX XXXX XXXX. <P/>I just switched from XXXX to XXXX for my cell service. Do you think XXXX would have allowed that if I owed them money? <P/>Please get this fake debt to go away.
Complaint sub-issue: Their investigation did not fix an error on your report

The balance of {$7500.00} and past due amount of {$600.00} is not correct because I disputed the charge with XXXX XXXX and they neglected to conduct the dispute investigation in a thorough manner and did not look all the documentation we provided. I never signed on the receipt of services for which the credit card was charged. 
The credit reporting agency, did not investigate my dispute and did not change my credit report and score.
Complaint sub-issue: Problem with statement of dispute

Equifax did not provide me with documents that collection account belongs to me.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX are reporting 4 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 3rd dispute letters to Equifax, XXXX and XXXXn since XXXX XXXX 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: Information belongs to someone else

THE INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO FILL OUT FRAUDULENT APPLICATION IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Thank you for taking the time to read the complaint. After reviewing all credit reports IC Systems placed a collection on the credit report from XXXX. I am requesting not a bill, however a signature to validate and possible contract.
Complaint sub-issue: Information belongs to someone else

My Consumer number is XXXX and Case number is XXXX. As I reviewed my report I noticed numerous errors and information that doesn't belong to me. Here is the information that doesn't relate to me : Email addresses XXXX. XXXX..Phone numbers : XXXX, XXXX. Addresses : XXXX XXXX XXXX fl XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX fl XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX, XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX. And these are not my insurances XXXX XXXX  and XXXX XXXX. And XXXX is not my social security number. Please remove all these inaccuracies off of my report. I haven't been successful getting a rep to assist me on the removals of these inaccuracies. This is my last attempt to have these items removed otherwise I will sue for defamation under the fcra 623. Also please mail me an updated full disclosure report to me
Complaint sub-issue: Information belongs to someone else

I DONT KNOW IF MY LETTERS ARE NOT BEING LOOKED AT BUT I HAVE TRIED TO CONTACT THE CREDIT REPORTING AGENCIES ABOUT Credit Inquiries THEY DONT BELONGS TO ME. IF I DONT GET THEM REOVED I WILL SUE ALL THREE CREDIT AGENCIESD AND I WILL WIN.
Complaint sub-issue: Old information reappears or never goes away

There was a collection for XXXX on my credit file that I have been fighting for some time. It is over 7 years old but kept going from collection company to collection company and always being re-aged as to when the companies picked up the account. The company that they are reporting now is, XXXX XXXX. Equifax and XXXX report it one month then not the next. This thing is over 7 years old and no money is owed. I just received noticed from my credit monitoring site that they put it back on.
Complaint sub-issue: Problem during payment process

I am still affected by covid 19 and I can not pay this bill. I need another payment waiver.
Complaint sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX 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: Debt was paid

I paid off the debt XXXX XXXX and was told that the collection would be removed from my credit report. They have yet to remove this account from my credit report. It reported XXXX and XXXX as being past due and it is affecting my credit score. I have called and spoke with several reps that have stated " there isn't a supervisor available to take my call '' when asked to escalate me to one. This is reporting inaccurate information and needs to be removed immediately.
Complaint sub-issue: Other problem

I was issued a credit balance refund check in the amount of {$7900.00} on XX/XX/2022 which I had lost and had called the bank to issue a stop-payment and reissue, which the bank sent me a letter stating they had done so. Now the bank is claiming the check was cashed and they can not issue me a new one when they had sent me a letter confirming the stop and reissue and a new check was sent to the address on file ( which I still have not received ). Also my account was closed for no reason at all and I want my account re-opened if possible.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XXXX {$200.00} & on XXXX {$200.00} & XXXX {$200.00} were taken from my ssi direct express card at XXXX XXXX on XXXX in XXXX, ok.at atm. On XXXX {$120.00} was also taken off card at atm at XXXX XXXX XXXX. I had my card stolen out wallet in backpack with lil notebook with pin # s & passwords. I filed a police report & dispute claim & they said it was denied & won't refund my money that was stolen
Complaint sub-issue: Their investigation did not fix an error on your report

I have had a few card terminated that I was authorized user on a while back. I was told all these terminated accounts would be taken off. The first account on here according to my XXXX XXXX is XXXX it says I am an authorized user. That should be off my file. The other account was a XXXX card with a credit limit of {$14000.00}. These cards one was an ex bf 's and was my mother 's I just don't want anything to do with them and for it to be off my credit report as I am trying to build good credit and do not need or want there help. Thank you. I was told by Equifax that would be resolved and taken care of.
Complaint sub-issue: Was not notified of investigation status or results

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ( Original Creditor : ), XXXX. 
Company Inquiries XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX 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: Account information incorrect

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : XXXX
Complaint sub-issue: You never received your bill or did not know a payment was due

Dear Sir/Madam, I had a checking account and a secured credit card with Citi. A Citi rep later helped me cancel my checking account but did not cancel my secured credit card. 

Because Citi cancelled my checking, they deleted my Citi online account. 

I later received an email from Citi saying that I had a $ XXXX credit card bill that needed to be paid. I tried logging into Citi to see the transactions and to pay any balance. But I could not because Citi deleted my online account. 

I tried to sign up for another Citi account but I had lost my credit card. So I tried to call Citi to get a replacement card but they wont let me speak to an agent. 

Citi 's automated chat wants my SSN or debit/credit card number to proceed.

Every time I enter my SSN, it says it is not recognized.

There is no other way for me to contact Citi.

Now, Citi has added late fees and my bill is like {$100.00}. 

I need Citi to remove these late fees and issue me a new credit card.

Thank youXXXX XXXX