Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem adding money

XX/XX/22 amount XXXX. No action with company I uploaded my at XXXX I submitted proof and so did XXXX I were texting XXXX XXXX hr
Complaint sub-issue: Debt was paid

In XXXX I made payment arrangements with American Education Services, after the last payment I received a new statement saying the debt was not paid as per our agreement, and I owed more than when I made the arrangements. All of my student loans are on deferment, and have been since XXXX. I just received a new letter attempting to collect this debt, even though I received notification that all of my student loans are suspended until XX/XX/XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XX/XX/ I logged into my XXXX XXXX  account to make my monthly payment. I was shocked to see that my balance was over {$1200.00} since my credit line is only {$300.00}. I looked through the trasnactions and discovered that most of them were not mine. 
I immediately called XXXX XXXX and told them what I had found. I meticulously went through each transaction with them on the phone and told them the ones that were not mine. 
In addition to these trasactions I also discovered that my address had been changed to XXXX XXXX. 
XXXX XXXX obviously had blended my account with someone else 's account. 
I was never noticified of the addresss change nor of any increase in my credit line- which is the normal custom of XXXX XXXX. 
This is how I know that this is all an error on their part and NOT identity theft, Now today XX/XX/XXXX, I received a letter from XXXX XXXX demanding that I file a police report and submit a list of unauthorized transactions. They say that I have only 25v days from the post mark of XX/XX/XXXX to comply or they will dismiss my complaint. 
Forts of all, I ALREADY gave them a list of the invalid transaction. Secondly, my local police department will NOT write up a report for a credit card company that made a clerical error. 
Thirdly and most importantly, I am XXXX and can not do all that they are demanding withing the short time I have left. 
I have already reported this to them but they are ignoring that. 
XXXX XXXX is making NO apttempt to correct their error and now they are demanding thaat I pay for these unauthorized charges. They have already posted them to my account with an increased monthly payment. 
I need CFPB 's help. I WILL NOT pay these unauthorized charges nor can I comply with what they demand from me. XXXX XXXX made NO attempt to tell me I was {$900.00} over my credit limit nor did they stop authorizing those charges. In addition I have been charged interest on purchases I never made and also charged returned check fees for checks that I never had returned. XXXX XXXX has created this mess and THEY should be the ones to untangle it. NONE of this is my fault and they are forcing ME to clean up THEIR mess.
Complaint sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX Balance : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX  XXXX XXXX Balance : {$500.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX XXXX XXXX Balance : {$790.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX Balance : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

XXXX XXXX Balance : {$0.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX Balance : {$2300.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Balance : {$0.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX Balance : {$0.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather deletes this erroneous account. 

XXXX XXXX XXXX Balance : {$0.00} - This account has several violations : You are reporting incorrect Balance, incorrect past due amount, as well as the wrong Date of last activity. These are all violation please delete account. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX Balance : {$0.00} - This account is reporting twice and the original creditor has not reported it as transferred or sold. Please remove. 

Chapter XXXX Bankruptcy XXXX - This was filed in my name by someone else and was fraud please remove immediately.
Complaint sub-issue: Account information incorrect

ALL of my XXXX XXXX loans are closed and discharged in full under the closed school discharge. It took a previous CFPB complaint to get XXXX to properly close loan number 4 out. That one is fixed, however they are still reporting all loans open with full balances on my credit reports. I emailed them a couple of weeks ago asking when they were going to update it as they have updated the UoP ones that I am paying on but conveniently have left these still showing a $ XXXX balance when it should all be closed and {$0.00} and they ignored it.
Complaint sub-issue: Fraudulent loan

my son who will be XXXX years old this XX/XX/XXXX, made this loan with out my consent and now he is struggling to make payments and now 1st time I am hearing about this through Sallie mea loan. calling me. instead of them calling me to verify if all the information my son put through on his computer was rite then maybe. but he added my social security number, cell phone, address and mailing address and emails. why did n't sallie mae call or email before approving my sons loan .that simple now there harassing me all day during my work hours.
Complaint sub-issue: Investigation took more than 30 days

I received a letter from the creditor, XXXX XXXX XXXX, stating that " I did not indicate in my correspondence what specific information I was disputing or requesting to verify ''. This request came from all 3 credit bureaus because I sent the same letter to all. As one can see from the bank response, they are unable to verify/validate the requested information. 

I initially disputed this information on or a/bout XX/XX/20. A subsequent method of verification letter went out on r about XX/XX/20. Today, XX/XX/20, i received a letter in the mail stating the aforementioned. According to my rights under : 1 ) FCRA 611 ( a ) ( 7 ) 2 ) FCRA 611 ( a ) ( 2 ) ( B ) The creditor nor the credit reporting bureau have responded in a timely fashion, or supplied the requested information. For that reason, I want this erroneous account removed permanently from credit report and an updated credit report sent to me from each bureau.
Complaint sub-issue: Their investigation did not fix an error on your report

****THIS COMPLAINT IS BEING FILED BY ME PERSONALLY. I HAVE FILED COMPLAINTS BEFORE AND YOU HAVE TRIED TO STALL ME BY SAYING YOU BELIEVE THIS IS FROM A CREDIT REPAIR COMPANY. YOU ARE MISTAKEN AND I EXPECT MY COMPLIANT TO BE HANDLED IMMEDIATELY**** ATTENTION EQUIFAX This Complaint is in response to your recent claim that Goal Financial has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or XXXX verification is unacceptable and I believe that is what you have provided to me under confirmation number XXXX I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing this complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this complaint may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. )  Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act Please be aware that dependent upon your response, I may be detailing  any potential issues with your company via an online public press release, including documentation of any potential small claims action as well as filing a complaint with the FTC, State Attorney Generals office and the BBB. The fact that you continue to send me nothing more than an automated response simply stating that you have verified the information with XXXX XXXX is unacceptable. I am attaching the investigation results from XXXX to this complaint showing that they were unsuccessful in obtaining verification. I find it very hard to believe that Equifax has a magic wand that allows you to have instant communication with XXXX XXXX to verify this information. If you wish to face me in court that is fine, but I have sufficient proof that I was never late on any payments with XXXX XXXX and that this specific account does not even exist any more. I would take this compliant very seriously as this is your last warning.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX & XX/XX/2022, parts were ordered from XXXX which were NEVER RECEIVED by me, the consumer/credit card member. I reported this to the merchant who issued consequently issued RMAs. However, after merchants customer service confirmed shipping address with me, they rescinded the RMAs because they claimed my credit card found my dispute in their favor and DISCOVER forced me to pay for something I DID NOT RECEIVE even after producing a police report # XXXX. I complained several times to the Discover Executive Offices since they claim to be the consumers advocates but that was just to deceive the since they advocated for the merchant. Even XXXX, XXXX XXXX XXXX XXXX adopted dispute policies where the merchant being the shipper of merchandise purchased MUST PRODUCE SIGNED CONFIRMATION OF DELIVERY whereas DISCOVER will accept only tracking information. Discover REFUSED to acknowledge police report filed by the Consumer/Cardmember but accepted the merchants vague policies and only tracking information of delivery even though items were NEVER RECEIVED. I also disputed these charges by CERTIFIED MAIL to their BILLING DEPARTMENT as instructed by CONSUMERs BILLING DISPUTE protocol but was told both by mail and phone calls to the Billing Department & Executive Offices they WILL NOT redress nor will they amend this billing error and do the chargeback.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX 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 an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

RE : ( XXXX  XXXX ACCOUNT NUMBER XXXX ) I have attached all the relevant documents pursuant the above section of the law. I demand all the above fraudulent accounts be DELETED immediately within 4 days of being notified of the identity theft or I am requesting compensation for {$1000.00} per violation along with damages I haveThis Company has been notified with numerous letters and has failed to validate the debt related to identity theft. My accounts have not been investigated thoroughly, I have not received the requested documentation that shows any contracts, and validation. Pursuant 15 U.S Code sS 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency 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 by such agency of ( 1 ) Appropriate proof of the identity of the consumer : ( 2 ) A copy of 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. This has damaged my reputation and the company has failed to respond to my dispute letter that included an identity theft affidavit along with the requested identity proof documents. SEE CERTIFIED MAIL TRACKING NUMBER SENT TO ( XXXX  XXXX ACCOUNT NUMBER XXXX ) XXXX SENT TO XXXX  XXXX XXXX SENT TO XXXX VIA XXXX CERITIFED MAIL XXXX SENT TO XXXX VIA XXXX CERTIFIED MAIL XXXX SENT TO EQUIFAX VIA XXXX CERTIFIED MAIL 15 U.S. Code sS 1681n- Civil liability for willful noncompliance ( a ) In General Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) Such amount of punitive damages as the court may allow ; and ( 3 ) In the case of any successful action to enforce any liability under this section, the costs of the action together with with reasonable attorneys fees as determined by the court. 


I have attached all the relevant documents pursuant the above section of the law. I demand all the above fraudulent accounts ( XXXX XXXX ACCOUNT NUMBER XXXX ) ) be DELETED immediately within 4 days of being notified of the identity theft or I am requesting compensation for {$1000.00} per violation along with damages I have suffered due to not being able to obtain credit.
Complaint sub-issue: Their investigation did not fix an error on your report

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance Owed : {$350000.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$680.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I have a bankruptcy reported on my credit report. I have contacted all 3 bureaus and let them know that this is my fathers bankruptcy. XXXX removed the account, however XXXX and equifax verified this account was mine. I have explained to them that me and my father have the same name and address. They refuse to remove it. If you look at my credit report, i have no items included in the bankruptcy, which is impossible if it was really my bankruptcy.
Complaint sub-issue: Card was charged for something you did not purchase with the card

TO : CITI CARDS, XXXX XXXX, XXXX XXXX, XXXX XXXX BY FAX : XXXX XXXX PAGES FROM : XXXX XXXX, XXXX XXXX XXXX, APT XXXX, XXXX, XXXX XXXX XXXX : ACCT. # XXXX GENTLEMEN : AFTER MANY YEARS OF DOING BUSINESS WITH YOU ON MY SUBJECT ACCOUNT, YOU HAVE BECOME IMPOSSIBLE TO FOR ME TO DO BUSINESS WITH. YOU HAVE CONTINUED TO MAKE LIFE DIFFICULT FOR ME BY YOUR LACK OF RESPONSIBILITY IN DOING THINGS ON A TIMELY BASIS. AS A RESULT IF THE MATTERS LISTED BELOW ARE NOT RESOLVED BY XXXX, I WILL FILE A FORMAL COMPLAINT WITH THE CFPB. 
THE MATTERS TO BE CLARIFIED ARE LISTED BELOW : 1. ON XX/XX/17 I RECEIVED 2 CHARGES, EACH FOR {$99.00}. THEY WERE FROM XXXX XXXX XXXX, & XXXX XXXX. I DISPUTED BOTH OF THE CHARGES, INFORMING YOU THAT I DID NOT ORDER EITHER GOODS OR SERVICES FROM THESE PARTIES. THE CHARGE WAS CANCELLED SUBSEQUENTLY. AS A RESULT OF THESE FALSE UNAUTHORIZED CHARGES, MY OLD CREDIT CARD, ENDING IN XXXX WAS CANCELLED, & THE NEW ACCOUNT CARD WAS ISSUED. ON XX/XX/17 THIS MESS AGAIN RAISED ITS UGLY HEAD WHEN I RECEIVED A FORM TO FILL OUT, SWEARING THAT I HAD NEVER AUTHORIZED THE CHARGES. YOU ACKNOWLEDGED THE STATEMENT IN AN EMAIL TO ME. HOWEVER YOU FINALLY PUT THE CHARGES BACK ON MY CREDIT CARD, WHICH I PAYED BUT DID SO ONLY BECAUSE YOU FAILED TO CONTACT THE SUPPLIERS ON A TIMELY BASIS. YOUR NEGLIGENCE COST ME ALMOST {$200.00}. 

2. ON XXXX I FAXED YOU THE FROLLOWING : I AM HEREBY CANCELLING MY REFERENCED CREDIT CARD. I FIND THAT OUR LONG TERM RELATIONSHIP NO LONGER WORKS. YOU WERE FOR MANY YEARS AN EXCELLENT COMPANY WITH WHICH TO DO BUSINESS. I NO LONGER FIND THAT TO BE TRUE. 

3. ON XXXX, I FAXED YOU THE FACT THAT YOU HAD NOT CANCELLED MY CREDIT CARD AS REQUESTED ON XX/XX/17 AND AS A RESSULT A CHARGE WAS PUT ONTO MY ACCOUNT, WHICH SHOULD NOT HAVE BEEN HONORED, SINCE MY ACCOUNT WAS REQUESTED TO BE CLOSED ON XX/XX/17. YOU IGNORED ME, AND INSIST THAT I PAY A BILL FOR A CHARGE OF {$14.00}, WHICH SHOULD NOT HAVE BEEN ACCEPTED ON A CLOSED CREDIT CARD. I AM NOW REQUESTING AGAIN THAT YOU REMOVE THIS ILLEGAL CHARGE. 

XXXX. I HAVE EARNED A CREDIT OF {$41.00} ON MY ACCOUNT, PRIOR TO CANCELLATION OF THE ACCOUNT. I REQUESTED THAT AMOUNT BE PAID TO ME AS I HAD EARNED THE {$41.00}. YOU REFUSE TO DO SO! 

I DO NOT FIND THAT YOU HAVE DONE BUSINESS WITH ME ON A PROFESSIONAL AND TIMELY BASIS, AND THIS WILL BE MY LAST ATTEMPT TO HAVE YOU CORRECT THE MATTERS BEFORE I TAKE FURTHER ACTION AS LISTED ABOVE. 

XXXX XXXX XX/XX/17
Complaint sub-issue: Was not notified of investigation status or results

On several dates ranging from XX/XX/XXXX-XX/XX/XXXX, I have sent letters regarding inaccurate information being reported on my credit report. It has been well over 61 days and I have not received a response yet. I believe that my disputes have been ignored without receiving a proper and reasonable investigation. As per FCRA Section 611 ( a ) clearly states that failure to investigate a consumer dispute items within 30 days, the account in dispute should be removed immediately from the consumer report. It has been over 60 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the amount of time this has gone on for and this situation is stopping me from obtaining employment as well as credit. I have also sent letters to let them know that I was impacted from the XXXX and Equifax Data breach and have got no response.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following inquiries are fraudulent and im demanding that they be removed. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX  XXXX ( XXXX ) 6 ) XXXX  XXXX ( XXXX ) 7 ) XXXX ( XXXX ) 8 ) XXXX  ( XXXX ) 9 ) XXXX ( XXXX ) 10 ) XXXX XXXX   ( XXXX ) 11 ) XXXX XXXXXXXX ( XXXX ) 12 ) XXXX ( XXXX ) 13 ) XXXX XXXX ( XXXX ) 14 ) XXXX XXXX ( XXXX )
Complaint sub-issue: Reporting company used your report improperly

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.