Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Company closed your account

- Discover bank notified me via email on XX/XX/2022 at XXXX that my accounts were frozen ( see attached file titled " XXXX DIscover Frozen Accounts Emails.pdf '' - this file contains all 3 emails I received, one email per account with Discover Bank ). I was informed in this email that I must call them immediately. I attempted to call them on XX/XX/2022, XX/XX/2022, and XX/XX/2022 and was met with 1 hour or longer wait times each time. I finally reach Discover Bank on XX/XX/2022 around midnight. I was informed by the customer service agent that my account were frozen " due to a business decision. '' The representative could not provide further explanation. The representative informed that I would receive my funds " within 60 days. '' The representative offer to schedule a " supervisor call-back '' - I accepted. I was informed that the call-back would occur within 24 hours. As of this complaint, I have waited greater than 24 hours. I have not been called, emailed, or notified in any manner. 

- On XX/XX/2022 at XXXX I called Discover Bank again ( see attached file titled " XXXX Discover XXXX '' ). I explained my situation to the representative named XXXX XXXX supervisor 's name is XXXX XXXX. XXXX informed me that my accounts with Discover Bank were being handled by the fraud department. XXXX informed me that she could not elaborate further about the status of my accounts or on anything in relation to my accounts. I notified XXXX that I am filing a complaint with the FDIC and my state 's attorney general 's office. XXXX offered to file an internal complaint on my behalf- I accepted. XXXX could not provide a confirmation number for the internal complaint. 

- My 2 checking accounts and 1 savings account with Discover Bank hold nearly all of my liquid capital. Discover Bank froze my assets without notice and without cause. I am left penniless with bills coming due including credit card payments, rental payments, electricity payments, and home internet payments. This does not include the bare necessities I need to live like food, water, or transportation. I can not pay for anything because of the position Discover Bank has left me in.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
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 {$3600.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3600.00} -This is not my account.
Complaint sub-issue: Account information incorrect

I disputed my credit report and I found the following items that are reporting incorrectly on my credit report. I was never late on the following items : XXXX XXXX : - 30 days late reporting on XXXX and XXXX - 60 days late reporting on XXXX XXXX XXXXXXXX XXXX - 30 days late reporting on ( Equifax, XXXX, and XXXX ) XXXX XXXX - 30 days late reporting on ( Equifax and XXXX ) XXXX - 30 days late reporting on ( Equifax, XXXX, and XXXX ) - 60 days late reporting on ( XXXX and Equifax )
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS LISTED WERE NOT AUTHORIZED BY ME. THEY WERE INACCURATELY PLACED ON MY CREDIT AND I WOULDS LIKE THOSE TO BE REMOVED OFF MY CREDIT FILE. BECAUSE OF THOSE INACCURATE ACCOUNTS IT HAS BEEN REALLY HARD TO ACQUIRE NEW CREDIT. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THEM OFF MY REPORT.
Complaint sub-issue: Information belongs to someone else

the following account are not mine, ( XXXX DSNB AND XXXX XXXX ) these are fraud accounts opened under my name, i have attached my police report due to this effect, i have also disputed these inaccuracies with XXXX  many times, but they are not helpful at all, please help me with this inaccuracies to be removed. please find attached the same paper work that i had sent to e XXXX   as well. 
thank you for your help and cooperation
Complaint sub-issue: Their investigation did not fix an error on your report

I recently challenged the validity of ENHANCED RECOVERY CO L ( Original Creditor : XXXX ) - XXXX ( Collection ) account and XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX - XXXX ( Collection ) account that are being reported on my most recent credit report. Upon challenging this, XXXX  ( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified this same account.
Complaint sub-issue: Their investigation did not fix an error on your report

I am requesting the removal of two judgments and four bankruptci es ( below )  on my Equifax and other reports due to  Civil Case No .  XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX ., v. Equifax Information  Service LLC .  I did not know the source of their information on those judgments and bankruptcies and due to this Equifax has violated the FCRA. Please remove these judgments and bankruptcies. They sent letter with  XXXX   XXXX  verifying and I contacted them on  XXXX  and stated it was not.     Judgment  XXXX  AND  XXXX  Bankruptcies  XXXX   XXXX   XXXX  and  XXXX
Complaint sub-issue: Personal information incorrect

I received my annual free credit report from XXXX XXXX, Equifax, and XXXX credit monitoring / reporting service. After obtaining my free annual report. I discovered each credit reporting agency had reported my name incorrectly, address incorrectly, etc. 
I notified each individual reporting agency of the issue. I submitted a dispute on each item I wanted verified and or corrected. I receive my report by mail today from XXXX XXXX. XXXX XXXX never corrected any of the information I submitted a dispute about. 
As a result this will allow individuals with similar names to possibly use my identity. This company also has my address listed as an apartment. I notified them that my residence is not an apartment and I have never lived in an apartment yet, they continue to leave incorrect information on my credit report. I need this matter investigated and corrected.
Complaint sub-issue: Debt is not mine

A fraudulent XXXX XXXX XXXX debt has been floating around in my name. I have confirmed with XXXX XXXX XXXX that not only they did not pass any debt to collection agencies, I have never had outstanding balance period. Now, this AFNI collection agency is trying to collect this fraudulent debt from me.
Complaint sub-issue: Public record

I have disputed this banruptcy XXXX times as a dismissed bankruptcy, and equifax keeps stating they have verified it as a discharged backruptcy which is inaccurate, and only this credit bureau shows it as a discharged bankruptcy which means they are not verifying this information as they should with the courthouse or whatever method is being used.This bankruptcy was never fully completed, it was only filed and never discharge, it was dismissed.So this record has been inaccurate and i do not believe equifax is actually verifying this information, this will be easy to prove.There should be no reason for other reporting agency to obtain the accurate information while equifax cant? This info continues to be reported incorrectly and now should be removed because of the failure to properly report it, since it has been proven that no investigations actually have been taking place, as required.This item should be deleted immediately on that basis, otherwise report that the Fair Credit Report Act is being disregarded.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed under 15 USC 1681. And they violated my rights several times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX 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

The two XXXX  XXXX accounts are reporting to my credit report and they are reporting incorrectly and damaging my credit score. XXXX  XXXX reports to the 3 bureaus and they dates that the account was opened is different on all the bureaus. I have attached pictures of these accounts with the highlighted area that is not correct on all three. Being that they are suppose to report accurate information on all three bureaus from the same information received from XXXX XXXX this needs to be deleted from all three of my credit bureaus.
Complaint sub-issue: Problem with statement of dispute

The last time I filed a complaint with the CFPB and disputed items on my report, my score dropped over XXXX points with my credit only improving. It seems Equifax does n't like me filing complaints. After filing another complaint 4 months later, my score dropped another XXXX points. 

This is retribution as my credit is only improving. I will consult an attorney about this.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX I 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 a account without my written instructions
Complaint sub-issue: Didn't receive enough information to verify debt

I have an unverified account from ERC. I had previously disputed this account. I have never done business with ERC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ERC provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ERC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Complaint sub-issue: Frequent or repeated calls

Within the last 6 weeks, EOS CCA has begun calling me from an Alabama number. However, they are based out of Massachusetts. They are calling me regarding an XXXX XXXX XXXX debt from XXXX XXXX. This debt came off my credit report last year. It is no longer a valid debt. I informed them that the debt is no longer valid. They said it does n't matter because they have an active account in their system for the debt. They also claim that I made a partial payment in XXXX and XXXX. I have asked for proof, but they have not provided it. On the most recent call, I was informed that no payments have been made on this account ever. So which is it? Either I made payments 3 - 4 years ago on the debt or I did n't. I did not. If they 've had this debt in their system since XXXX, why am I just now hearing from them 4 years later? The statute of limitations for this debt in my state is 3 years. The SOL in the state I originally had this debt is also 3 years. The SOL for this debt expired 5 years ago for either state. I have not acknowledged this debt in writing nor have a made a partial payment on this debt. However, the rude customer service representatives tell me they are glad I know the law, but they will continue to call as it is an active account in their system regardless of the law stating they can not collect. This is harassment!
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Old information reappears or never goes away

This account was added to my credit report, I have no idea what it is nor have I received any information regarding this alleged debt.
Complaint sub-issue: Problem accessing account

PNC Bank keeps blocking access to connect my bank account to mobile apps. This is very frustrating as these are valid, safe, financial apps that I need to use to help manage my money and obtain loans and other money services. 

PNC Bank keeps blocking access to connect my checking account to these apps due to security purposes ( which I understand ) but this is our choice and our decision to use these apps on our phones. 

I called PNC Bank and they explained how its part of their security processes but they need to have an option available to where we can contact them and say - " Hey, this app is safe and it is my decision to allow my checking account to connect to this app ''!! 

Quit block access to use these apps on our phones. This is very frustrating as I need to have this option available to me. If you continue to block app access to connect my checking account, I will be forced to close my accounts with PNC Bank and take my business elsewhere to a bank that will allow this. 

My apps that I use include - XXXX and XXXX - which I have had connected to my bank account for sometime now. I then changed my password to online access with PNC Bank and it disconnected these apps. So when I go to reconnect the apps and connect PNC Bank account using the new password, it keeps saying that - " PNC Bank has made a change that prevents you from being able to link your accounts ''. 

PNC Bank, Quit Doing This!!!!! Please give us access to allow these apps to connet to our accounts if we choose to have this happen. Give us the option to allow or block certain apps. 

I have contacted these app companies directly to see if there is a way to manually connect my checking account using the routing and account number and the only way to do it is by linking directly with no options to connect manually. 

I will continue to complain and voice my concerns over this because this should be the customer 's decision, not the banks. 

STOP BLOCKING ACCESS TO APPS!! I am so frustrated with this. I have money that is transferred from these apps to my checking account and these apps automatically hit my account for payments to pay them back for these advances and loans that I get with them. If you constantly block them, I have no way to pay these loans or advances back. 

STOP DOING THIS PNC BANK!!!!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Equifax 's investigation. I have already addressed this issue to Equifax but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : XXXX XXXX  Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020
Complaint sub-issue: Problem with fees

I have been in continuous written contact with Citibank since  XXXX   XXXX  regarding a dispute over penalties and fees assessed for a missed payment. By oversight I skipped the  XXXX   XXXX  credit card payment, and promptly brought my account current in  XXXX   XXXX . Prior to this incident I had an excellent record of timely payments on this account. However, despite several written inquiries and attempts to resolve the issue, I received nothing from Citibank, other than collection threats, until late  XXXX   XXXX . At that time they informed me in writing that indeed my account was current as of  XXXX   XXXX . Nevertheless, they continued to send billing statements with accumulating interest and penalties without adequate explanation, the most recent being  XXXX   XXXX . I repeatedly offered to resume payments once they removed the excess fees from my account, but they did not respond one way or the other until last Friday when I received a collection notice from an agency to which Citibank referred my account. Today I sent a letter to  Citibank  informing them that I was seeking the involvement of the CFPB, to resolve this matter.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Applied for a Bank of the West credit card. Got approved for a XXXX credit card. I had a pay no interest balance transfer offer that I decided to use to transfer the balance of two other credit cards ( XXXX, XXXX ). Bank of the West processed the balance transfers on XX/XX/XXXX. I waited a week for things to settle. It has been more than a week and upon checking and calling XXXX and XXXX they say they dont know anything a balance transfer and I still owe them the money. Bank of the west created a new debt without paying my other creditors first. I believe that until the transferred gets approved and paid off they shouldnt be charging interest or running time on their promotional offers. I talk to customer service they say they agree with me but they just work there and that it is common practice of them to do that. I dont understand how the bank is allowed to do this kind of things to people. Sound simple. Dont charge people interest or run time on promotions if you have not even paid off or transferred the balance. As a consumer I feel like
Complaint sub-issue: Reporting company used your report improperly

To whom this may concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that i am not 100 percent sure if they are. I also read something called " The Fair Credit Reporting Act '' where it said law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me. I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts need to be deleted. Well, i want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a XXXX XXXX XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them I demand the following accounts be verified or removed immediately. 

NAME OF ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER XXXX NAME OF ACCOUNT XXXX ACCOUNT NUMBER XXXX NAME OF ACCOUNT XXXX XXXX ACCOUNT NUMBER XXXX In accordance with the fair Credit Report act Convergent 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 a account with my written instructions
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act XXXX  account # XXXX, XXXX, XXXX, XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. stats i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without mt written instructions
Complaint sub-issue: Debt is not mine

I bought XXXX XXXX phone purchased in full. I had a no contract month to month payment plan where you paid for any phone service up front. I canceled the service due to the month to month price increasing. I do NOT owe XXXX any money. My credit report indicates it is in collections. This is an error on the part of XXXX!
Complaint sub-issue: Public record information inaccurate

Inaccurate information has been asked to be removed several times and needs to be removed immediately.