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

I do not know who National Recovery is or why they are on my credit report. They have never sent me any written notification of a debt owed. They have also never sent me any verification of the accounts when I disputed them with National recovery! I do not know why they are on my credit report, but I know they are damaging my otherwise immaculate credit profile, for no reason at all, that I can see! Please help me, my husband and I are trying to move to a new home soon, and these showed up on my mortgage report, and that's how I found out that I do not qualify for a mortgage and what a National Recovery account was! The collection account that's over {$1000.00} is stopping me from fulfilling me and my husbands dreams, and I don't know why they are even reporting! They HAVE NEVER sent me anything, you would think for a debt over {$1000.00} they would send me something!!!!
Complaint sub-issue: Public record

I can not obtain my credit report in any way. There is alot of things that were reported on my report that i know are know are not mine. Judgements and crefit accounts and loans that were never mine. They keep sending me form to update incomplete and outdated information. Why? I do not know. All i know is i took rje hit for the past several years for someone elses debts. Unacceptable. And years later i still fo not know what my credit report still has on it or if anything new was added to it. I need serious help with this. Equifax keeps railroading me. I need to move in 3 weeks and i need this information. I pnly have XXXX identity. Not my fault they reported wrong information. And i sent them my information they requested numerous times already. It has been years trying to resolve and nothing has been resolved. Please help.
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. XXXX XXXX XXXX, in amount of {$7700.00} 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: Can't use card to make purchases

I applied for a CitiBank credit card so that I could earn money back and received one with {$3000.00} limit, the end of XXXX. I used it a couple of times and the total was {$97.00}. On XX/XX/XXXX, the card was put on hold. When I called, they stated it was due to my social security number being incorrect and I needed to verify it with a form. I did not understand, so I asked to speak to a supervisor. The supervisor stated that it was a normal procedure to have the social security number verified and that a form would be mailed and once verified, the card would be re-activated. I received the form, filled it out completely, mailed back all pages plus a copy of my social security card. Some weeks later, I received a letter stating that they could not verify the social security number and to please call. I called and they stated that I was missing a page, the second page. I had read the forms in its entirety and knew I had sent the forms back in correctly. With all the frustration, it wasnt worth the card, I stated that I would just like to cancel the card. I was informed that I could not cancel the card without verification of who I was. My question to them is, you wont take the card off hold because you say you cant verify who I am. Im now requesting the card to be canceled, but you cant cancel the card because you cant verify who I am? It does not make sense. They stated that they would re-send the forms and once verified, I could cancel the card. I received the forms, called them to ensure that I completed everything and included all pages as requested. Completed forms, placed ALL pages I received back into an envelope and mailed back off. Then on XX/XX/XXXX, paid off the balance of {$97.00}. On XX/XX/XXXX, I received an alert from XXXX XXXX. The credit card from CitiBank was now showing on my credit report and Transunion showed that I had a {$0.00} balance. Today, XX/XX/XXXX, I called back to Citibank to verify they received the information requested. They informed me that they did, that they received it on XX/XX/XXXX, but that it was missing the second page. Now, I dont know who is eating the second page, but this is the SECOND TIME I have mailed in the information, even contacted them the second time to ensure that ALL information and pages was included and still Im getting that they did not receive all paperwork. This is ridiculous. I cant have a card activated because they say I cant prove who I am, yet I cant cancel the same card that is ON MY CREDIT REPORT, because they cant prove who I am.
Complaint sub-issue: Their investigation did not fix an error on your report

I reported all XXXX major credit bureaus XXXX, Equifax, and XXXX that the collection from XXXX XXXX for XXXXXXXX XXXX XXXX has many inaccuracies. 
XXXX and Equifax reporting a high balance of {$1500.00}, and XXXX is reporting a high balance of {$1500.00} which is different from XXXX and Equifax. 
Balance owed XXXX and Equifax reporting {$1600.00}, and XXXX is reporting {$1600.00} however the Balance owed is higher than the high credit and amounts are different as well. 
Account number for XXXX and Equifax are different from XXXX. 
Date of last activity for XXXX is XX/XX/XXXX, Equifax is XX/XX/XXXX and XXXX date is XX/XX/XXXX all XXXX dates are different from each XXXX bureaus. 
XXXX is reporting on account status as open which is if its in collection account status can not be listed as open account. Equifax and XXXX account status is listed as closed again all XXXX bureaus reporting inaccurate information on my file credit. These inaccuracies are causing me emotional mental distress due to the fact I can not I apply for credit to make major purchases for myself without paying having to pay high interest due to these inaccuracies. 

XXXX XXXX XXXX XXXX XXXX Equifax Account # : XXXX -- XXXX High Balance : {$1500.00} -- {$1500.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- XX/XX/XXXX Date Reported : XX/XX/XXXX -- XX/XX/XXXX Date Opened : XX/XX/XXXX -- XX/XX/XXXX Balance Owed : {$1600.00} -- {$1600.00} Closed Date : -- -- -- Account Rating : Derogatory -- Derogatory Account Description : Joint -- Joint Dispute Status : Account not disputed -- Account disputed Creditor Type : Collection Services -- Other Collection Agencies Account Status : Open -- Closed Payment Status : Collection/Chargeoff -- Collection/Chargeoff Creditor Remarks : Account informationdisputed by consumer, meets FCRArequirements -- Consumer disputes thisaccount informationSubject has not XXXX. 
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Last Payment : -- -- -- Past Due Amount : {$0.00} -- {$0.00} Account Type : -- -- -- XXXX XXXX XXXX XXXX Account # : -- XXXX -- High Balance : -- {$1500.00} -- Last Verified : -- -- -- Date of Last Activity : -- XX/XX/XXXX -- Date Reported : -- XX/XX/XXXX -- Date Opened : -- XX/XX/XXXX -- Balance Owed : -- {$1600.00} -- Closed Date : -- -- -- Account Rating : -- Derogatory -- Account Description : -- Joint -- Dispute Status : -- Account not disputed -- Creditor Type : -- Other Collection Agencies -- Account Status : -- Closed -- Payment Status : -- Collection/Chargeoff -- Creditor Remarks : -- Customer disputedaccount - reported bysubscriber. 
-- Original Creditor : -- XXXX XXXX -- Last Payment : -- -- -- Past Due Amount : -- {$0.00} -- Account Type : -- -- --
Complaint sub-issue: Not given enough info to verify debt

1. Tek Collect is attempting to collect a consumer type debt allegedly owed by Plaintiff to XXXX XXXX XXXX XXXX with account number XXXX in the amount of {$530.00} ( the " Debt '' ). 
2. Sometime around XXXX XXXX, 2016, Tek Collect sent me a letter attempting to collect the alleged Debt. 
3. On or about XXXX XXXX, 2016, I sent a letter to Tek Collect requesting validation of the alleged Debt. In this letter, I stated that I paid the alleged debt in full. 
4. On XXXX XXXX, 2016 or about XXXX XXXX, 2016, I sent a letter to Tek Collect requesting that it cease and desist communication from with me since they were repeatedly calling me at work and did not comply with my verbal request to not call me at work. 
5. On or about XXXX XXXX, 2016, I obtained my XXXX credit file and noticed that Tek Collect reported the alleged Debt in the amount of {$530.00}. This stated that the date opened was XXXX XXXX, 2016, which is also false as I was first contacted by Defendant prior to XXXX XXXX, 2016. Further, Tek Collect did not flag the alleged Debt as disputed, in violation of the FDCPA. 
6. On or about XXXX XXXX, 2016, I obtained another XXXX credit file which again showed that Tek Collect reported an inaccurate balance of {$530.00}, an inaccurate opened date of XXXX XXXX, 2016 and it did not flag the account as in dispute.
Complaint sub-issue: Account status incorrect

Equifax refuses to correct information on my credit report. My name, XXXX XXXX XXXX, the name they have is incorrect, a collection account, XXXX XXXX XXXX, is not mine. The other collection, XXXX XXXX has been paid. I can not get onto their website, as it tells me that the verification information I submitted is incorrect, because the information they have is incorrect. I have literally spent hours on the phone with them, and each time starts another 30 day stall and they never correct it. There is a 130 point difference between reporting agencies because they refuse to correct this erroneous information.
Complaint sub-issue: Problem getting report or credit score

I do not want another CREDIT report sent to me. What I want is for Equifax not to show MY CREDIT score as XXXX to companies that are pulling MY CREDIT. I can see my score. I NEED THIS CORRECTED NOW!!! This is my THIRD COMPLAINT I WILL KEEP FULING THEM UNTIL THIS ISSUE US RESOLVED ... PLEASE CALL ME IF I 'M NOT CLEAR
Complaint sub-issue: Confusing or misleading advertising about the credit card

On XX/XX/2020 I applied for a Discover credit card online for which I had received a pre-approved invitation letter in the mail with some special terms and conditions, and with a special code to be used to start my online application. This invitation was primarily appealing to me because of its 0 % APR on balance transfers for a certain number of months and {$0.00} transfer fee for any balance transfers to be done for a certain number of months after account opening. I wanted to take up on this offer and applied online. During my application, I was asked which accounts I wanted to make a balance transfer from and in what amount. I mentioned three of my existing card accounts with all of which with different transfer amounts. When I filled out the rest of the forms and finished the application, I was prompted with a message saying that 'unfortunately, my application was not approved for which the reasons I have the right to be revealed but I could still get another Discover card if wanted to. ' I said yes and I was instantly approved. Neither I had any information whether or not this counteroffer had the same terms and conditions as the initial card that I was pre-approved for nor was I questioned if I still want to make any balance transfer to this counteroffered card had it had a different set of terms and conditions. 
A few days later my new Discover card came in the mail. When I opened it I realized that this counteroffered card had a much less favourable set of terms and conditions such as 10.XX % APR on balance transfers, xx % balance transfer fee on each transfer, a higher APR on new purchases etc. When I saw the new terms and conditions I decided not to activate my new card. To my absolute surprise, I received an email from Discover this morning stating that my balance transfer request of {$2000.00} was declined because I had exceeded my credit limit of {$1700.00}. I did not understand how it could be possible to exceed the credit limit of a card that had not yet been activated. When I called Discover, I was told that they went ahead and made a balance transfer from one of three existing credit cards ( XXXX ) those of which I shared the information during my initially pre-approved but later denied application. When I tried to explain to them that I did not know anything about this balance transfer to my counteroffered credit card which had a completely different set of terms and conditions they just said that they were sorry but they could not do anything about it. Furthermore, I also explained that this card had not been activated yet and that I have a grace period to either activate the card and thus by doing so legally acknowledge the acceptance of this account or just return the card and not accept this account, once again they said there was nothing they could do. Even though this balance transfer attempt from my XXXX account is not shown on not even as pending yet, they still refuse to cancel this transaction that is totally against my will. Can you please help me to have Discover to cancel this unjust transaction?
Complaint sub-issue: Information belongs to someone else

I AM A VICTIMOF IDENTITY THEFT. I WAS TRYING TO BUY A HOUSE AND MY REALTOR INFORMED ME OF ALL OF THESE FAKE ACCOUNTS. THEY ARE RUINING MY LIFE. I AM GOING BROKE RENTING. I REALLY NEED HELP. PLEASE REMOVE THESE ACCOUNTS FROM MY PROFILE. ILL MAKE SURE TO MONITOR MY CREDIT PROFILE FOR NOW ON.
Complaint sub-issue: Reporting company used your report improperly

Reached out to Equifax multiple times demanding them to remove the following items off of my consumers credit report and they failed to do so. Equifax has broken NUMEROUS XXXX laws. Reached out to them via mail/certified letters with return receipts. Equifax did not have permissible purpose to report anything to my consumers credit report. Equifax received information from someone other than myself. Thats aggravated identity theft! Equifax also didnt have my written consent to report anything to my consumers credit report. no consent is identity theft! It has been well over a month! Per the fair credit act, section 611 ( a ) ( 5 ). You have 30 days to investigate disputes. Equifax must delete the dispute and unverified accounts. Failure to do so can result in {$1000.00} fine per undeleted item.
Complaint sub-issue: Collected or attempted to collect exempt funds

I received a letter that they will be garnishing my wages of 15 % each check. I had no idea of who they are and where they are coming up with the amount. All I see is that it is student loans but no idea of it 's private or federal as no information was given exempt that my paychecks will be decreasing and I live off every dollar amount now to survive. I will be financial crippled if these people garnish my wages. Not only did this come out of the blue - they contacted me through my place of business leaving me subject to losing my job making my life situation worst.
Complaint sub-issue: Personal information

Equifax has me living at XXXX different XXXX, PA address. I have NEVER lived in XXXX, PA. So whatever collection is associated with this address should be taken off. 
Equifax XXXX reported an account from XXXX thru XXXX XXXX dated XXXX XXXX, XXXX in the amount of XXXX. I have n't had a XXXX account since XXXX. 
XXXX reported XXXX Insurance dated XXXX XXXX, XXXX in the amount of XXXX. I dropped XXXX Insurance in the year XXXX. In fact last year I received a XXXX refund thruPA Unclaimed Property. The XXXX XXXX XXXX XXXX for XXXX was paid this week. 
I tried calling Equilfax but was unable to connect because I did n't have a equilfax report number.
Complaint sub-issue: Their investigation did not fix an error on your report

Subject : Incorrect personal information To Whom It May Concern : I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents Ive provided to update my correct full name and address. Also, please remove any names that dont match my ID. Please remove any addresses that dont match my current and valid address. 

I have included the following information : Copy of my photo ID Proof of current address Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumers file is inaccurate. 


Under the Fair Credit Reporting Act, you have 30 daysto resolve a dispute. If the item can not be verified by the creditor within the time frame, it MUST BE be removed from the report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

As previously reported my identity has been compromised inwhich affected my credit file with many unauthorized and unknown inquiries, that's obviously fraudulent. I'm therefore demanding that these inquiries be removed immediately from my credit file. 

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: Reporting company used your report improperly

The problem that I have is according to 15 Usc 1681A ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. They also never had a permissble purpose and I never consent to this in the first place. 15 usc 1681B ( 2 ) Contacted Equifax on XX/XX/2022 again to get theses items that's ALREADY disputed OFF my credit and the rep was very rude.
Complaint sub-issue: Account information incorrect

My email provider, XXXX XXXX XXXX XXXX XXXXXXXX ] has recently been bought out [ by XXXX, XXXX XXXX XXXX ] XXXX XXXX is converting " XXXX  '' addresses to their own, new email system. I want, instead, to convert all my [ and my wife 's ] credit bureau account records to reflect our XXXX email address.
Complaint sub-issue: Fee problem

PNC bank intends to defraud its customers. This month I incurred 2 overdraft fees that were unreasonable. On XX/XX/XXXX at XXXX I handed my landlord a check for my rent. She called me to tell me that she had been busy and that she would mobile deposit the check that evening. That evening I signed up for a free trial of XXXX not aware that they would still charge my card {$1.00} ( apparently for verification purposes ). On XX/XX/XXXX I wake up to an overdraft fee. PNC is claiming that they processed my rent check and the {$1.00} in less than 12 hours. I emailed to try to get this unreasonable fee waived and was denied, the representative suggested that I keep some money my savings account to cover future overdrafts. Fast forward to XX/XX/XXXX. I was charged an overdraft fee for pizza that I purchased for my children totaling {$26.00}. I definitely did n't understand this charge because I had put {$50.00} in my savings account 2 weeks prior. When I called the PNC representative told me that my savings account had been closed a year prior. I asked several questions regarding the closure of the account or why the previous rep suggested that I put money into a closed account and she had no answers and was not able to waive the fee.
Complaint sub-issue: Information belongs to someone else

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXXXXXX 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: Credit inquiries on your report that you don't recognize

I am a victim of identity theft, there are fraudulent unauthorized inquiries on my credit report
Complaint sub-issue: Debt is not yours

Try to contact this company for months and keep reporting inaccurate information to my credit report I sent letters no respond they can't validate it needs to be deleted there in violation of the fair credit act and the account needs to be remove
Complaint sub-issue: Account information incorrect

I disputed the account. My Federal loans from XXXX were discharged due to lawsuit against XXXX  Colleges. I know longer owe that balance
Complaint sub-issue: Didn't receive enough information to verify debt

ENHANCED RECOVERY COMPANY has put a debt collection notice on my XXXX  credit report. This account was already removed from my report and they have tried to illegally re-age it by adding it with a new date to make it appear as if it is a new account. I have not received anything prior to this notification and it is detrimental to my credit score and my ability to use my credit to rent an apartment, buy a car, and other things that require a good credit score. 


I have filed a complaint with the CFPB before and they had to remove it. Now they are trying to add it again in hopes of damaging my credit score and causing distress to my life. This needs to stop. 

I will also be filing a report with my California State Attorney General to let them what this company is doing.
Complaint sub-issue: Problem getting your free annual credit report

Unable to furnish XXXX consumer report online at XXXX
Complaint sub-issue: Problem using a debit or ATM card

On  XXXX / XXXX /  XXXX   (  XXXX  ) a bill was charged to my debit card which over drafted my account. It was the only charge that was made that over drafted my account but they still charged me over draft fee 's for every purchase I made for the entire week prior which totaled to well over {$200.00}. Then the next day my paycheck got deposited but I had no money for food or gas to get to work because the bank stole all of my funds and called it 'fees ' so I had to withdraw some money just to get by which of course because of them it over drafted again so they charged me another {$78.00} in fee 's. There is no reason for them to charge me fees for multiple purchases that I had funds for just because I over  drafted one s ingle charge.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/2021 I had used my discover to visit a supposed doctor in which i backed out and he still kept my XXXX. I have kept all of the hateful texts and he never did anything. Even claimed he was reading the results to my tests however, I have other doctors that ordered them and they had already read them. He was very hateful and only refunded me for a test I was not going to get. He would not refund me the XXXX said it was his time. He did not do ANYTHING