Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

Hello I have tried to dispute this debt for some time now my identity was stolen after a horrible car accident I was involved in my car blew up on impact and I was XXXX lifted to the hospital along with my XXXX year old daughter at the time. This is one of those accounts that was opened under my name. The first dispute was a little over a year ago and it came back verified accurate and resolved in 3 days the company says the reviewed everything and that the debt is mine. I tried to dispute this again a week ago and they finally removed it from my credit report it dropped my report down by 23 points for removing the negative remark. I check my credit report again and this same debt shows up on my report dropping it another 7 points because of the negative remark. Im not sure what game this company is playing but its hurting my credit really bad I just got denied a rental home because of the issues caused by this company and my credit dropping so many points to just have this incorrect debt added back on my report causing more harm this is horrible and seems illegal I would like help resolving this matter thank you very much for your help.
Complaint sub-issue: Information belongs to someone else

In the past three months i have disputed information on my equifax report. A fraudulent account was opened through XXXX and money was taken out of my personal bank account. After disputing through my financial institution and XXXX both agreed the account wasn't mine and blocked access/removed fraudulent information from my credit report. Equifax is the only company that disagrees and will not remove the information that is damaging my credit score. 
I have never had an account with XXXX or XXXX XXXX. When i disputed the account with XXXX   they could not find an account with my name or email.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon viewing my credit reports and I noticed DEPTEDXXXX ( XXXX ) had a discrepancy in the Date Opened, last reported, last active, and date of last payment section of the listing. 
XXXX are reporting date opened XX/XX/XXXX However Equifax is reporting date opened XX/XX/XXXX. If this the same account, reported by the same creditor how are these numbers different? 
XXXX are reporting last reported XX/XX/XXXX. However, Equifax last reported XX/XX/XXXX. If this the same account, reported by the same creditor how are these dates different? 
XXXX are reporting last active XX/XX/XXXX. However, Equifax last reported XX/XX/XXXX. If this the same account, reported by the same creditor how are these numbers different? 
XXXX are reporting date of last payment XX/XX/XXXX. However, Equifax date of last payment XX/XX/XXXX. If this the same account, reported by the same creditor how are these numbers different? 
Because of this, its apparent neglect in ensuring everything on my report is accurate, consistent and up to date please DELETE these items immediately. 

Upon viewing my credit reports and I noticed USDEPT EDXXXX ( XXXX ) had a discrepancy in the Date opened, account status, payment status, last reported, date last active, date of last payment section of the listing. 
XXXX are reporting date opened XX/XX/XXXX However Equifax and XXXX is reporting date opened XX/XX/XXXX. If this the same account, reported by the same creditor how are these numbers different?. 
XXXX are reporting account status Paid. However, Equifax and XXXX account status is derogatory. If this the same account, reported by the same creditor how are the statuses different? 
Equifax are reporting payment status Late 120 Days. However, XXXX and XXXX date opened Collection/Chargeoff. If this the same account reported by the same creditor how are these payment statuses different? 
XXXX are reporting date last active XX/XX/XXXX. However, Equifax date last active XX/XX/XXXX. XXXX, last active date XX/XX/XXXX. If this the same account, reported by the same creditor how are these dates different? 
XXXX are reporting date of last payment XX/XX/XXXX. However, Equifax date last reported XX/XX/XXXX. XXXX, last reported XX/XX/XXXX. If this the same account, reported by the same creditor how are these dates different? 
XXXX are reporting date last reported XX/XX/XXXX. However, Equifax date last reported XX/XX/XXXX. XXXX, last reported XX/XX/XXXX. If this the same account, reported by the same creditor how are these dates different? 
Because of this, its apparent neglect in ensuring everything on my report is accurate, consistent and up to date please DELETE these item immediately.
Complaint sub-issue: Account status incorrect

I was on deferment with thin long and in the process of being on deferred loan I Fort was applying for XXXX through XXXX XXXX and during this time that the the customer representative told me that I can get on deferred where I can suspend my payment until they decide if I 'm going to get the XXXX or not both companies were aware that I was applying for this during this time while I 'm waiting they put this on my credit I asked him to put this on I asked them to pull the tape so we could listen to the conversation of what the representative told me. I do n't believe that there are true and correct I have went back and forth with them and that 's what the representative told me and they knew that I was in the process of getting a XXXX and the representative told me that everything would be okay and it would not show A payment
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX  XX/XX/XXXX XXXX listed as a charged off, incorrect dates. 
XXXX XXXX XXXXXXXX XX/XX/XXXX, paid by collateral, listed as charged off, incorrect information XXXX XXXX XX/XX/XXXX, paid, listed as charged off XXXX XX/XX/XXXX, paid, derogatory remark XXXX XX/XX/XXXX, paid, derogatory remark XXXX XXXX ( XXXX listed ) Paid, company no longer as this account, was paid by insurance from accident. 
XXXX  XXXX XX/XX/XXXX, paid, listed as a charged off These accounts are in question. 
My only addresses are XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX, XXXX NY, XXXX XXXXXXXX XXXX XXXX, CA XXXX I only work for XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  # ( XXXX ) : XXXX, XXXX, has violated my rights. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX. states that I have a right to privacy. 

XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX that a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

Equifax did not sufficiently protect my records, and as a result they allowed a breach of their system that resulted in my private financial records entering the public domain
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account 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: Account status incorrect

I was in a deferral period with both Fed Loan Servicing and XXXX and submitted the paperwork to consolidate and continue to defer my loans. The organizations did not process my paperwork in a timely manner and it caused all my student loan accounts to go into delinquency. I was never informed that the paperwork had not been processed or that I was back in a repayment period ; therefore, I became 180 days delinquent without ever being notified. Finally after the 180 day mark I received a letter from the organization stating that I was delinquent.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX  account XXXX has violated my rights as an illegal report ; 15 U.S.C 1666b section ( A ) states A creditor may not treat any payment on a credit card account under an open end consumer credit plan as late for any purpose.

Further ; 15 U.S.C 1681A Section 2 ) Exclusions under ( I ) states A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. 

However this account has been *reported as late* and therefore contains information solely as to transactions or experiences between the consumer ( I ) and the person making the report.
Complaint sub-issue: Information belongs to someone else

Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third party agency. Please see my attached documentation as it pertains my request.
Complaint sub-issue: Information belongs to someone else

XXXX has been provided a police report indicating that i was a victim of identity theft. They refuse to remove the following disputed items that do not belong to me because they are fraudulent.
Complaint sub-issue: Information belongs to someone else

I do not have any XXXX XXXX credit. The card I carry is the business 's card. I am only an employee there.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I mailed Equifax an identity theft affidavit, police report and other documents to 1 ) verify my identity and 2 ) address fraud that was found on my report. 

Disputes were opened. 2 accounts were not removed even though they were listed on my report. 

I contacted Equifax and informed them the police department had done and that the FCRA required them to remove and block the account within 4 business days. I spoke to a supervisor. The conversation was moving along fine until I questioned why those accounts were not removed. She explained a 30 day dispute process, to which I explained that I had already waited 30 days. I am currently in the process of buying a home and that account was not mine. She said she would submit ANOTHER dispute that would take AN ADDITIONAL 30 days. I explained that was not correct and I did not have an additional 30 days. When she seemed bothered by my questioning, I explained maam this isnt personal. I just have a home I have literally saved 5 years for thats depending on this. Its nothing against you. 

Her EXACT response : Im not upset, Im Chillen! 

Then proceeded to put me on hold for 5-10 more minutes and transfer me into a dead end line. 

This is completely unacceptable and I know my rights under the FCRA. I expect those laws to be adhered to.
Complaint sub-issue: Didn't receive enough information to verify debt

I contacted them to cancel my service as they never worked on my problem but they are not picking my calls and answering my messages.
Complaint sub-issue: Information belongs to someone else

FCRA Violations ; Not mine ; names, numbers and accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE LA XXXX XXXX DE LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX FCRA Violations ; add payment history : XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX U S DEPARTMENT OF ED XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Trouble with how payments are handled

I have been using XXXX XXXX Bill Pay to make payment on my loans with American Education Services for a number of years without issue. XXXX in a row AES has failed to process the payment correctly. Their proof of payment process takes XXXX business days, during which they continue to call, email and send letters to you and your co-signer. They have no way of processing it faster or putting your account on hold or in a disputed state to at least temporarily halt the calls, emails and letters. The only way to halt the calls, emails and letters is to make an additional payment. If you do n't it may negatively affect your credit score. Emails they send come on the weekend when there is no service agent to talk to.
Complaint sub-issue: Can't close your account

I opened a Citibank Credit Card a few weeks ago. I received a temporary card number and was able to make purchases. I then received the physical plate in the mail. I tried to activate it, but the security questions they require me to setup in order to complete activation would only allow answers without two consecutive letters, but all of my answers had two consecutive letters. So I tried to restart the process to see if new security questions would come up. Instead my card was locked out, and I was asked to call to activate the card. I called, and was immediately routed to Fraud. Fraud told me that to verify my identity, they would need to mail me a letter in 7-10 days. I told them that I can not wait 7-10 days for  activation, and they told me there is no other option. They can not even expedite the letter. So I then asked to close my account, so I can open a new credit card elsewhere. They refused and told me that they can not take further action until I receive the letter in the mail, and then at that time I will have to call them back to verify my identify. All I want is to close my account, and they kept refusing. I even offered to wire them payment to XXXX out the balance. I asked multiple times to escalate this matter to someone who can help, and they said that there is no one further to escalate this matter to. I worked at a major credit card company for many years, and I know that there are ways to escalate matters. But they just kept on refusing.
Complaint sub-issue: Other problem getting your report or credit score

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9500.00}, {$5000.00}, {$7500.00}, {$4900.00}, {$4500.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$4500.00} -This is not my account. 


-- AUTO LOANS OR LEASES 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Discover Financial Services refuses to refund me for an order that I paid for and never received. The order was marked as delivered with no images of delivery on XX/XX/XXXX. I contacted the company in question ( XXXX ) to let them know of this and that I would like a refund, as I was traveling soon and would not be able to receive a replacement. They refused, despite not have any written policy that says they are not liable for lost packages ( or ones that are not received ). When I questioned this, their response was that " Not all of our policies are explicitly written '', which is problematic. 

I filed a claim with Discover to dispute this charge. Discover, to my surprise, sided with the merchant after receiving a document ( that I could have provided ) that marked a timestamp for delivery. This is not proof that the item was actually received or even delivered to the correct address ( or even delivered at all ). Why? Because carriers oftentimes make mistakes. This wouldn't be the first time a customer of any company has had something delivered ... to only find that it's not actually there. Despite being a customer with Discover for 8 years and not filing a single dispute prior to this, Discover requested that I jump through various hoops to get this resolved ( XXXX, FTC, Attorney General, XXXX claims and complaints ). They did not require anything else from the merchant. This seems wildly unfair and problematic, because as my bank they hold the funds that I used to pay for this purchase that I, again, never received. 

I contacted XXXX to make a claim and they denied it saying that the merchant ( XXXX ) must file the claim according to their agreement, but XXXX has refused to do this. This leaves me with absolutely no recourse, and as a last resort ( my bank ) has denied me as well. This is ridiculous, unfair, and unprecedented. 

I am the Head of XXXX at two startups, and I file responses to chargeback every week. Every claim that has been made by a customer who says they have not received a package that was marked as delivered has ALWAYS been successful - meaning that their bank has NEVER sided with us, even though we provide proof of deliveries from carriers. Why is this not the case for Discover?
Complaint sub-issue: Account information incorrect

I have received notifications from Credit reporting agencies of negative remarks, balances have increased twice since I just refinanced with XXXX in XX/XX/2019, Inhave been making on time payments and my balance has increased TWICE. My current balance is less then the amounts reporting.
Complaint sub-issue: Information belongs to someone else

I have tried to resolve these issues with the credit reporting companies and i have had no help and this is stopping me from buying a home. Please see accounts below XXXX  account number # XXXX for {$580.00} XXXX XXXX Account Number # XXXX for {$0.00}, its a charge off thats not mine XXXX  account number # XXXX collection that not mine either
Complaint sub-issue: Account opened as a result of fraud

I opened a checking account of Betterment through the link of XXXX on XX/XX/XXXX. 2021, when they promised they would return a cashback of {$120.00} for opening a checking account for the first time and depositing {$1.00}. My application was received on the spot and they informed they needed 1-2 business days to process my application. However, they used over 2 weeks to approve my application, during which I could not fund my checking account. They also asked for repetitive proof of address even when I already submitted my car registration card in the first place. After I successfully deposited my checking account on XX/XX/XXXX of {$10.00}, I asked XXXX about cashback. XXXX contacted Betterment and Betterment refused to issue cashback because they no longer offered cashback by the time I deposited my account. 
To me, this is a fraud. I opened the account because of the cashback offered. If the account was approved as they promised in 1-2 days. I was still eligible. Betterment used two weeks and it's very likely they were doing so to cheat customers. I also knew others, including my roommate, who applied for the checking account because of cashback but received nothing for pending application. 
I didn't make any mistakes and I followed all procedures as I can. I heard Betterment before about how convenient it was to use their debit card to withdraw cash without service fee globally. So I opened an account immediately when I saw cashback. However, this experience is very disappointing. I know XXXX XXXX and XXXX are also offering similar products without service fee when withdrawing cash globally. If I was informed with no cashback, why would I choose Betterment? I don't even want to further deposit money to a dishonest bank.
Complaint sub-issue: Information belongs to someone else

4 XXXX  ON CREDIT REPORT INACCURATE INFORMATION FTC AND CRA VIOLATIONS
Complaint sub-issue: Information is not mine

My Equifax credit report presents with ( XXXX ) addresses that are not mine : XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX. I have repeatedly requested that these addresses be removed and they have not been removed as of yet. In addition, Equifax reports the following information that does not belong to me : 1- XXXX, XXXX/XXXX/XXXX, {$410.00} 2- XXXX, XXXX/XXXX/XXXX, {$320.00} ( reported twice ) 3- UnknownXXXX, XXXX/XXXX/XXXX, {$400.00} 4- UnknownXXXX, XXXX/XXXX/XXXX, {$940.00} 5- XXXX Mortgage, XXXX/XXXX/XXXX, {$18000.00} 6- XXXX XXXX, XXXX/XXXX/XXXX, {$1700.00} 7- XXXX, XXXX/XXXX/XXXX, {$89000.00} 8- XXXX, XXXX/XXXX/XXXX, {$5100.00} 9- XXXX XXXX, XXXX/XXXX/XXXX, {$4000.00} 10- XXXX XXXX, XXXX/XXXX/XXXX, {$21000.00} 11- XXXX BankXXXX XXXX XXXX/XXXX/XXXX, {$300.00} 12- XXXX Vacation XXXX XXXX XXXX/XXXX/XXXX, {$13000.00} 13- XXXX Bank XXXX XXXX XXXX/XXXX/XXXX, {$420.00} 14- XXXX, XXXX/XXXX/XXXX, {$180.00} 15- XXXX XXXX, XXXX/XXXX/XXXX, {$3700.00} 16- XXXX XXXX, XXXX/XXXX/XXXX XXXX {$360.00} 17XXXX XXXX, XXXX/XXXX/XXXX XXXX {$4900.00} Please remove these items
Complaint sub-issue: Was not notified of investigation status or results

Last XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Delay in processing application

I applied for the Citi Bank credit card with XXXX XXXX. I received an immediate approval and was sent a notice of approval in the mail on XX/XX/2019. I never received my card in the mail. After getting an email from Citi Bank stating that I should have my card by now and activate it, I called them because it had not arrived. They told me that it had been sent to the wrong address and that a new card would be expedited to me by XXXX arriving in 1-2 days. On the evening of the second day I contacted Citi Bank as the card had not yet arrived. I was then told they aren't allowed to expedite cards and that they could not give me my account information to book the trip I originally got the credit card for. I was told that it would be another 7-10 days to receive my card. Waiting for this card to book my trip has already cost me over {$300.00} as everyday I put off booking, the trip becomes more expensive.