Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/19, I used my US Bank Visa to purchase online a CPR class in XXXX for {$75.00} from XXXX, XXXX. The class was scheduled in-person on XX/XX/XXXX. On XX/XX/XXXX, I cancelled the class for which I have a confirmation email. XXXX XXXX of XXXX assured me I would receive a {$75.00} refund. The last week of XXXX, I received my Visa statement showing the charge but not the credit. I filed a dispute. and spoke with XXXX again when she called to assure me she had processed the refund. 

On XX/XX/19, I received a VISA dispute letter stating XXXX refused to refund me since I attended class and received CPR certification. They finally requested my documentation, which I sent today. On XX/XX/19, I called XXXX to inform her of the situation. She sent me the electronic notice she received from XXXX about the dispute, stating the {$75.00} is being withdrawn from her deposit. Apparently this occurred. I read the VISA dispute summary to her and sent it to her. We agreed it is full of lies. Now, this seems like banking credit fraud. We are giving up time and resources when it should be already settled.
Complaint sub-issue: Problem during payment process

On XX/XX/2018, I paid my minimum balance of {$90.00} on my credit card. At that time, I had a live chat with a representative of that company, I also have a promotional balance of {$920.00} on this account. It is due to expire on XX/XX/2018. I asked if I could pay {$300.00} on that balance, he said yes I could, but then he sent me a message saying they couldnt guarantee that it would be applied correctly. I was appalled by this response. I told him I would not pay online, but that I would pay by mail with a letter attached. Please see following copy of letter : XX/XX/2018 My Best Buy Visa Card XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX : XXXX XXXX XXXX Credit Card No. XXXX XXXX XXXX XXXX PROMOTIONAL BALANCE OF {$920.00} To whom it may concern, Please find enclosed my check number XXXX in the amount of {$300.00}. This {$300.00} is to be applied to the promotional balance of {$920.00} ONLY. 
These funds are in no way to be applied to any other balance, but the promotional balance. 

Again, Check # XXXX in the amount of {$300.00} is to be applied to the promotional balance of {$920.00} ONLY. These funds are not to be applied to any other balance under this credit card number. 
If these funds are applied to the incorrect balance, I will take the matter up with the proper authorities. 

Sincerely, XXXX XXXX XXXX XXXX also made that notation on my check. I repeated this request no less than 3 times in the letter and it is noted on my check twice. They have cashed my check, and nothing was applied to the promotional balance. I feel as if this a scam and that they are trying their best to make me pay interest on a balance that was to be interest free. I sent them another message today and the only response I have received is that they are reviewing. I can not believe that they havent applied this check in the correct manner. Is there anything you can do to assist me? I have a couple of additional payments that need to be applied and I really do not want to have to do this each time I make a payment.
Complaint sub-issue: Debt was paid

American Education Services is calling me every day about XXXX missed payment, the XXXX payment. According to my bank records a check was sent to them on XX/XX/2015 and cashed on XX/XX/2015. They say they have no record of the payment. I contacted XXXX XXXX XXXX who verified that the payment was made on XX/XX/2015. XXXX XXXX XXXX has attempted to contact AES by telephone but received busy Signals. 

This started this past Friday, XXXX. I told AES that I was contacting my bank that they would be calling AES. I was told that they would call me " every day '' until payment was received, which sounds like harassment. Particularly since I have paid faithfully on this loan for years with no missed payments, and the payment that they are calling about is not even 30 days late. I told her that it wo n't do any good to call me every day as I am not going to pay something that I 've already paid and I 'm not doing anything until XXXX XXXX XXXX makes contact with them which will be Monday XXXX. She said that they would call anyway. 

I obtained their fax number to fax them copies of printouts from my account that show this bill was paid. However, there were Communication Errors between their fax and mine, so I US Mailed the documentation. 

Today is Sunday and they have called twice. Both times I ignored the call because I knew what it was.
Complaint sub-issue: Information belongs to someone else

There are currently numerous items listed on my report that I have no knowledge of. This was a result of malpractice or an error.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I find fraudulent charges on my Discover card on XX/XX/XXXX statement for {$220.00} XXXX Immediate reported to Discover and request to cancel my card. Because I was only getting online statements not a paper I have very difficult to understand spend many hours frustrate request for a paper. I call to pay my total balance over the phone of {$1300.00} except the fraud of {$220.00}. After this, I expected XXXX balance. On XX/XX/XXXX realize my card still active charge {$850.00} which I paid. I was waiting for my XXXX  balance. Finally, I receive my new card but I not activated in till my XXXX balance to use. Instead on XX/XX/XXXX, I receive a letter from Discover reversed the {$220.00} charges in favor of XXXX because they shipped something to my address on my X-husband name. He does not live in this house since XX/XX/XXXX and any mail in his name I not open is a place he picks his mail. I keep calling Discover over and over instead of helping me frustrated me telling me the I have to pay for this fraud? Now the amount of {$220.00} up to {$270.00}. from interest late fees. On XX/XX/XXXX, I receive a statement of {$580.00}?? double the charges. Is been impossible to deal with Discover and 2 different complains cfpb but after Discover answer to the complaint, you close my case with no help. Please help me with this nightmare give me a chance to prove my case.
Complaint sub-issue: Account information incorrect

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$250.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and needs to be removed from my credit report. I have attached a copy of the letter from XXXX XXXX XXXX dated XXXX for reference. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 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 proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : 1 XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX  Date of inquiry XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should 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 receipt by such agency of- ( 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 bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX  XXXX  data breach as well as equifax 's XXXX  date breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXXXXXX  Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00} ; XXXX XX/XX/XXXX
Complaint sub-issue: Information that should be on the report is missing

I received a notice from Equifax dated XX/XX/2019, with the Confirmation # XXXX. It appears to refer to some kind of dispute, and says " The results of the dispute you recently filed with Equifax are now complete. '' I do not find it possible to understand the language that follows. I know of no dispute. So I phoned Equifax at the number given in the notice. The Equifax representative asked me a number of questions, which I answered, including what my current credit cards are and their balances. She then asked me what my past credit cards were, and when I had them. I told her that i have had my existing credit cards and no others for years, and I don't recall any details about which ones I may have had a long time ago.. The Equifax representative refused to give me any information about the notice they had sent me.

Surely I must be entitled to an explanation of whatever it is that Exquifax wrote to me about. I would appreciate your assistance.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/2018 I was alerted by the 3 credit bureaus that Jefferson Capital Systems and XXXX XXXX are illegally reporting a negative collection account on behalf of XXXX. I have not had any business dealings with any of these companies and have been disputing these fraudulently acquired collections as identity fraud for months. I am filing this complaint requesting assistance in having the collection of these accounts stopped and deleted from the bureaus permanently, as they have negatively impacted my ability to get home financing. The reporting is inconsistent and stating the debt is {$890.00} with one bureau and {$270.00} with the other two. If this can not be rectified soon, I will be forced to pursue civil action as this violates my Fair Credit Reporting rights.
Complaint sub-issue: Reporting company used your report improperly

CFPB Complaint ID XXXX XXXX XXXX. Of Executive Office of Customer Advocacy stated In addition, under the Credit Reporting Agency Information section of the Cardmember Agreement; We may report the status and payment history of your Account to credit reporting agencies and other creditors. We normally report to credit reporting agencies each month. As such, we are unable to honor your request to cease reporting the account to the credit bureau reporting agencies. We have sent copies of all available billing statements for the account under a separate cover. We are unable to honor your request to remove previously reported account history, as the information reported is a factual representation of what occurred on your account, nor are we able to remove the account from your credit bureau reports as we consider the account valid. Which method of verification have you use to verify such information as you mentioned? 
XXXX XXXX. Provide provide proof you have complied with XXXXederal Law Gramm-Leach-Bliley Act and gave me the Option to Opt-Out of furnishing my non public personal information or you shall be fined. Because you need to over-stand your company Policy doesnt supersedes over Federal Law.

Discover Bank and all the Credit Reporting Agencies XXXX, XXXX, XXXX are committing Racketeering Each count of racketeering is punishable by up to 30 years of incarceration in federal prison and I have proof of their actions. Failure to remove MY account ( my intellectual property ) account ending in XXXX XXXX XXXX, Discover Bank will be sued in Federal Court.
Complaint sub-issue: Was not notified of investigation status or results

I submitted a investigation request form to Equifax by mail about incorrect personal information on my Credit File on about XX/XX/2018 requesting the information be removed. I included all required necessary documentation of proof of my identity. I have never received a response and it has been over thirty days.
Complaint sub-issue: Right to dispute notice not received

Recently I contacted the XXXX credit bureaus XXXX, XXXX, XXXX requesting my annual credit report and I realize that the company named ERC with address XXXX XXXX XXXX, XXXX, FL XXXX .And I realized that this company is trying to collect XXXX dollars in the name of XXXX XXXX Where I did not time authorized XXXX to share my personal information such as my social security, my date of birth and my first name and my last name with any collection company including ERC. Therefore I need ERC to erase my information from their records and stop trying to collect the amount of XXXX dollars, since I never signed any contract with them, where I authorized them to have my personal data to satisfy its business. Therefore and others I demand this company remove my data from their files, so that I do not have to see myself in the obligation to take legal action, since in the past I was a victim of identity theft
Complaint sub-issue: Reporting company used your report improperly

These companies are reporting my information without my consent. I sent them notice that I am aware I'm of the fraudulent reporting. According to my federal laws 15 U.S. Code 1681b - Permissible purposes of consumer reports they need my permission to report my information and I haven't given them my permission
Complaint sub-issue: Debt is not mine

I am being harassed by Flagship Credit Acceptance. They call me non-stop even after I tell them I am not the person they are calling for. Every time they call they ask for a XXXX. This is not me and I have told them this several times and asked them to stop calling. They will not stop calling. 

I believe their operations are a scam. If you call the number the leave you can never talk to a live person. All they want on the phone system is to trick you into entering your SSN. The automated phone system ask two questions - your account number or SSN. I do n't have an account number b/c I have never done business with these people and I am not the person they keep asking for on their calls. No matter what options you pick you can not speak to a person.
Complaint sub-issue: Old information reappears or never goes away

Nebraska XXXX XXXX needs to be deleted off my credit reports. It is 7 years old, it is settled and is still on my credit reports. I am trying to buy a home for myself and XXXX  children and need this deleted.
Complaint sub-issue: Public record information inaccurate

Name- XXXX XXXX DOB- XX/XX/XXXX SSN - XXXX Address - XXXX XXXX XXXX XXXX XXXX VA XXXX I went to apply for a loan and was denied. The credit report showed a bankruptcy. I ordered my report from LexisNexis and there are multiple inaccuracies on the report. The first thing is they list me as deceased in XXXX but then list my addresses and XXXX drivers license number. How can I be deceased? Secondly, there's a bankruptcy showing on my report, I called the clerk at the court and she said they have no record and I asked them how can this be put on my credit file? She said LexisNexis was the company that sells public record information to the credit bureaus. I disputed with all 3 credit bureaus and they all came back saying this information was validated through LexisNexis. LexisNexis states they verify this information through the court so I called the clerk at the court again and she stated that they do not verify court case information. So now I am requesting LexisNexis to delete the bankruptcy information from their report as it is erroneous and they have zero proof of validity and also for them to take the " deceased '' flag off of my account as it has caused different financial institutions to deny me credit and also close active accounts that I have. This has to be some sort of violation of law for a company to sell/furnish/publish information that is not accurate to companies that use this information for credit/employment/housing/insurance/etc. There are also multiple vehicle accidents/incidents on my file that have people with the same last name but nothing to do with me which I found out raises mu insurance rate. I'd like those deleted as well, I am going to consult an attorney because this is terrible how much money and job opportunities I have missed out on by the misrepresentation of LexisNexis data.
Complaint sub-issue: Reporting company used your report improperly

I may be a victim of the Equifax data breach. I need advice on how to make sure my name is clear. Any advice would be appreciated.
Complaint sub-issue: Funds not received from closed account

I have a savings account with XXXX XXXX Bank aka " XXXX ''. Today when I tried to log on, I received a message that my account was locked and a phone number to call. Upon calling that number, I was transferred to a " specialist '' by the name of XXXX ( employee number XXXX ) who informed me that my account was closed because my automatic contributions were being rejected by my checking account and further that I would not be able to log on to retrieve my statements, account number, or withdraw my existing balance of {$150.00}. When I asked for her supervisor, she told me that one was not available and hung up on me.
Complaint sub-issue: Debt is not yours

Debt is from XXXX from a hospital I have never been treated at ( XXXX XXXX XXXX ). I only found out about the debt on XX/XX/XXXX when I checked my credit report and this debt was listed. 

I wrote the collection agency a letter on XX/XX/XXXX demanding debt validation as I had no idea what this was for. They didn't respond, other than to send a bill directly to my address ( I had never received a bill prior ). I sent another letter on XX/XX/XXXX disputing the debt and demanding validation again. They responded on XX/XX/XXXX with a copy of a bill for a XXXX XXXX, who was XXXX ( bd XX/XX/XXXX ) at the time of treatment on XX/XX/XXXX and apparently gave my name as a guarantor. They stated it was the itemized bill I requested. However, I requested a financial document that I personally signed accepting financial responsibility for any debt, and they are not able to produce one, nor did they respond within the 30 day time period that they are required to respond in.
Complaint sub-issue: Information belongs to someone else

THIS ACCOUNT IS INACCURATE. THIS ORGANIZATION HAS INFRINGED UPON MY RIGHT TO PRIVACY WITHOUT A PERMISSIBLE PURPOSE TO FURNISH A CONSUMER REPORT BECAUSE, I DID NOT GIVE MY WRITTEN INSTRUCTION TO FURNISH A CONSUMER REPORT PER 15 USC 1681b ( a ) ( 2 ). THIS IS IDENTITY THEFT PER 15 USC 1681c-2 ( a ) AND A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 

THIS ORGANIZATION UNLAWFULLY REPORTED BALANCES, LATE PAYMENTS, AND/OR ALLEGED LOAN AMOUNTS ON MY CONSUMER REPORT SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN MYSELF AND THIS ORGANIZATION THAT ARE REQUIRED TO BE EXCLUDED FROM MY CONSUMER REPORT PER 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). THIS IS FRAUD AND IDENTITY THEFT PER 15 USC 1681a ( q ) ( 3 ) AND A VIOLATION OF THE FAIR CREDIT REPORTING ACT.

I HAVE A RIGHT TO PRIVACY PER 15 USC 1681 ( a ) ( 4 ) AND MY PRIVACY HAS BEEN BREACHED BY THIS ORGANIZATION. 

THIS ORGANIZATION IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT FOR FRAUDULENTLY REPORTING INQUIRIES ON MY CONSUMER REPORT THAT I DID NOT AUTHORIZE, NOR GIVE MY CONSENT TO. PER 15 USC 1681c-2 ( a ) THIS IS IDENTITY THEFT, AND AN INFRINGEMENT UPON MY RIGHT TO PRIVACY WITHOUT A PERIMISSIBLE PURPOSE, AND WITHOUT MY WRITTEN INSTRUCTION PER 1681b ( a ) ( 2 ). OBTAINING INFORMATION UNDER FALSE PRETENSES WITHOUT CONSENT IS IDENTITY THEFT PER 15 USC 1681q. I HAVE A RIGHT TO PRIVACY PER 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.
Complaint sub-issue: Their investigation did not fix an error on your report

I notified the credit bureau Equifax of a fraudulent account on my credit report 3 times from XXXX XXXX. I provided legalized documentation to support that this account doesn't belong to me and that I had been a victim of identity theft each time I have notified them. The credit bureau Equifax refuse to  remove the erroneous reporting account. I have notified all credit bureaus and the other 2 XXXX and XXXX have investigated and removed the fraudulent account that stemmed from identity theft but Equifax will not properly resolve this issue. I am a XXXX veteran that is XXXX and I am sincerely saddened by this situation.
Complaint sub-issue: Information belongs to someone else

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Complaint sub-issue: You told them to stop contacting you, but they keep trying

After 1st initial call, I had a conversation an told them I would contact them when I'm able. They say their feom Omnipoint. I told them to leave me alone. They call from different numbers so blocking doesnt work. Now I get XXXX calls a day!! They won't stop even when I added the stop in my voicemail recording.
Complaint sub-issue: Received bad information about your loan

I have reached 120 qualify payments and can apply for loan forgiveness however FedLoans is saying that three of my payments that were made which I have documented and bank statements proving were made on time and were qualifying payments have not been included in this is delaying my forgiveness process. I have asked for a manual review as far back as XX/XX/2020 was still no resolution to this issue.
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 USC1681. 

XXXX Account # xxxxxxxxxxxx XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 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 items 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.