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

In XXXX and XX/XX/XXXX, my Discover credit card had XXXX charges from XXXX, which I never purchased anything from, nor could anyone else. The website has no telephone number, no email address, and no street address or XXXX XXXX XXXX After a XXXX, Discover gave me credit for those charges. I cancelled that card the day I received my XXXX statement and asked for a new card. At the end of XXXX, I received a statement for that card and found XXXX more fraudulent purchases from the same scammer, called Discover and reported the problem. I also asked why they didn't block those charges since they should have known it was a scam ; I was told that the charges were " probably pushed through, '' whatever that means. The last of XXXX, I received a statement from my XXXX credit card, which I have never used or activated, that was for XXXX {$160.00}. ( I never received a statement for XXXX or XXXX ) So, someone in Discover activated my card. In late XXXX, that same credit card statement now said I OWED {$110.00}, and the company had transferred those XXXX fraudulent charges to the card. When I again called the fraud unit at Discover, a XXXX  told me that I had told them that the charges were legitimate - at that point I told her that was NOT true. Then XXXX said an investigation was ongoing! I called again, talked to another fraud XXXX, and was told I now owed {$11.00}, yes, {$11.00}. She also told me I had not paid for XXXX purchases from last summer and that Discover double credited me, that was why they didn't owe me. If I owed money from last summer, why didn't they bill me in XXXX or XXXX, charge me a late fee, or transfer those charges on the XXXX bill? Why wait till XX/XX/XXXX? I also received a threating email before I called on XXXX XXXX that Discover would report me to the credit bureaus if I didn't pay them the {$110.00}. by XXXX XXXX Something is seriously wrong. Oh, yes, I always pay the total bill each month, and have done that for the many years of having the card.
Complaint sub-issue: Account information incorrect

The disputed account is XXXX , XXXX. XXXX ACCT. NO.XXXX.A default judgment is appearing as a collection account on XXXX, XXXX AND EQUIFAX.It is appearing as a collection perhaps to avoid properly displaying as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERAL enacted in recent years.In addition, the DATE OF 1ST DELINQUENCY has been re-aged, another FCRA clear violation.The DOFD coincides with the date of judgment entered ( attached court record ) which is impossible considering the nature of the debt, ie : back rent.The delinquency of the debt was many months prior to the stated DOFD.All 3 bureaus, following numerous disputes permit a false, re-aged date of 1st delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERAL AGREEMENT creating a loophole for the ACCURACY AND COMPLETENESS of reporting demanded by the FCRA
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX is attempting to Collect for a card that was identity thefted.
Complaint sub-issue: Report provided to employer without your written authorization

I have been disputing these Inaccurate unverifiable accounts 1. ) LENDING CLUB CORP ACCT # XXXX 2. ) XXXX XXXX XXXX XXXX ACCT # XXXX might I add this are inaccurate and incomplete account numbers displayed on my reports which is a federal law violation of 1515 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

with the credit agencies for months now and they are violating my privacy rights. 15 usc 1681b Permissible purposes of consumer reports i never gave the company authorization to report this on my report and i am the original creditor. 15 U.S. Code 1602 - Definitions and rules of construction section ( G ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. This is a violation of federal law and a breach of my privacy rights it must be removed immediately or I will seek litigation.
Complaint sub-issue: Information belongs to someone else

Well first off I never knew anything about this account until I received a bill in the mail. It has made my credit score drop and I never even knew anything about it. And how is {$950.00} due on an account that had a {$750.00} limit? Someone has committed fraud against me. After I received the bill on account I knew nothing about some investigating had to be done. My research shows the supposed account was opened on XX/XX/2019. The reported balance was {$0.00} on XX/XX/2019. If an account is closed how is a payment made on it? Furthermore, why is a payment made when it is already paid off and has a {$0.00} balance due? This account was not mine but it has very negatively effected my life. Who can pay me back for the manhours investigating, punitive damages, defamation, emotional stress etc.? Something needs to be done and those liable should be responsible. Please see the attached images I have enclosed.
Complaint sub-issue: Problem with rewards from credit card

I am writing in regard to my XXXX  XXXX  Select Master Card account that I got in XX/XX/XXXX. I renewed my card last year ( XX/XX/XXXX ) because I was told I would receive a companion flight ticket on every anniversary date if I renewed. As I realized I was approaching my second anniversary ( XX/XX/XXXX ), I called to find out how I could redeem this benefit and obtain my companion ticket for the first year. I was told that the companion ticket benefit was discontinued, but if I had spent {$20000.00} during my first year I would have received a {$120.00} flight discount voucher, which is the benefit that replaced the companion ticket. I was also told that I did not spend {$20000.00} my first year or my second year, so I am not entitled to this benefit. 

I have spent much more than {$20000.00} in each of my two years since obtaining the card. I asked to speak to a supervisor, and was told the exact same thing, that the records indicate that I did not charge enough to receive the benefit. I was instructed to write a letter asking for a review which I did but did not hear back. 

Furthermore, I feel that this is consumer harm because theyre not accurately reporting my credit usage and payment history, which could adversely impact my credit. 

Below are the statement balances since I obtained the credit card : XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$3700.00} XX/XX/XXXX : {$4100.00} XX/XX/XXXX {$13000.00} XX/XX/XXXX {$4700.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$3200.00} XX/XX/XXXX {$1900.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$3300.00} XX/XX/XXXX {$2700.00} XX/XX/XXXX {$5700.00} XX/XX/XXXX {$5400.00} XX/XX/XXXX {$1600.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$5700.00} XX/XX/XXXX {$3900.00} XX/XX/XXXX {$5400.00} XX/XX/XXXX {$2600.00} XX/XX/XXXX {$5100.00} XX/XX/XXXX {$13000.00} XX/XX/XXXX {$2500.00} XX/XX/XXXX {$5000.00}
Complaint sub-issue: Debt is not yours

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before.. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/XXXXXX/XX/XXXX Equifax Inc. ( XXXX : XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the companys investigation, the unauthorized access occurred from XX/XX/XXXX through XX/XX/XXXX. The company has found no evidence of unauthorized activity on Equifaxs core consumer or commercial credit reporting databases. 

The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. In addition, credit card numbers for approximately 209,000 U.S. consumers, and certain dispute documents with personal identifying information for approximately 182,000 U.S. consumers, were accessed. As part of its investigation of this application vulnerability, Equifax also identified unauthorized access to limited personal information for certain XXXX and XXXX residents. Equifax will work with XXXX and XXXX regulators to determine appropriate next steps. The company has found no evidence that personal information of consumers in any other country has been impacted. 

On XX/XX/XXXX, I checked their website and my information was part of hack described in their announcement.
Complaint sub-issue: Account status incorrect

This bill is showing on credit report as collection when it should have been submitted to my dental insurance company! I have paid the bill just so that I can get this removed from my credit report and am requesting a payment for deletion due to the fact that I have insurance which definitely covers dental cleanings! Why this was not submitted to the insurance company is beyond me but I am tired of going back and forth about this! It's shame that consumers PAY FOR INSURANCE but for some reason providers are not using the insurance!
Complaint sub-issue: Attempted to collect wrong amount

Good day, I would like to dispute an account which have been affecting me. I rented out a house in XXXX XXXX XXXX  through a company name XXXX XXXX XXXX XXXX. This company is falsely charging me for {$5900.00} for damages to the house which is not true. I left the house in the condition I rented it out. The house have genereal wear and tear which I the property management responsibility. I have been a good tenant and paid on time every month. I can't believe they are trying to overcharge me. It was cleaned and no furniture or anthing was left behind. This company is trying to claim I owe which is false information. 

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

Inquiries that I did not know about nor authorize. Never sought credit through lender and in case of XXXX XXXX XXXX XXXX was told they worked from 1st credit report they pulled for 30 days and there would not be a second but second pull was done. Other creditors or services I have no knowledge of and did not authorize my credit report to be pulled nor accessed. XXXX inquiry dated XX/XX/XXXX. XXXX XXXX auto finance dated XX/XX/XXXX. XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Attempted to collect wrong amount

On lease form the amount owed is exaggerated. The lease that procollect provided for payment was altered. Lease time whited out. Did not sign the copy that the company whitened out. Have copy to show the original plus the copy provided by the collection agency.
Complaint sub-issue: Account status incorrect

There is a {$7000.00} charge off on my credit and XXXX  XXXX keep contacting me about this XXXX XXXX XXXX. I just received an email from XXXX XXXX claiming they were going to repossess the car. This vehicle was totaled in XXXX, and as shown in the attached photos both insurance paid out and GAP was paid to the lender, but they are still coming after me for a car that doesn't exist for money they were paid years ago.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XX/XX/2019 wanted to get information regarding disputes and was not getting any information I asked for was told was going to file complaint was told to do so. submitted several time to have disputes nothing has changed.
Complaint sub-issue: Used obscene, profane, or other abusive language

First communication made with rep on XX/XX/19 the first representative I spoke to hung up on me before allowing me to give her new information. Second communication on the same day I was hung up on by the supervisor.
Complaint sub-issue: Account status

Many of the creditors are paid in full and are currently showing on my credit report. I need these cleared off my report to increase my credit score. Also have a judgment that was paid in full and is still currently showing on my report. If you could be so kind to help me in this situation, I would greatly appreciate it. 
Thanks
Complaint sub-issue: Didn't receive enough information to verify debt

This company refuses to provide me any information about this debt. Continually harasses me. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Hello, I am requesting the original wet signature purchase agreement that shows you are the legal owner of this alleged debt. 
Thank you, XXXX -- XXXX XXXX ( XXXX ) XX/XX/2023, XXXX XXXX XXXX XXXX XXXX, Im sorry for any confusion about our email, but Im happy to clear things up for you.

We are TrueAccord, a XXXX party collections agency, working on behalf of XXXX to help collect on this outstanding balance. We are happy to work with you to get this account resolved for the outstanding {$26.00}, but requests for compensation, refunds can not be resolved with TrueAccord. 
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Personal information incorrect

I have two credit cards by XXXX XXXX. Both have incorrect amounts and should be taken off my credit reports. Both have been charged excessive fees and not adjusted accordingly. Thus the balance and the minimum payments were incorrect. These should be taken off my credit report. Both accounts are closed. 


Also there is a " foreclosure '' of a house on my credit report. This has been satisfied and thus should not be on my report. It has been 2 1/2 years.
Complaint sub-issue: Information belongs to someone else

Equifax XX/XX/XXXX Confirmation XXXX. See Attached. 
XXXX 's XX/XX/XXXX Lost or Stolen, not me, hackers tried to order a huge amount of stuff. XXXX 's called me and stopped it. The account above this one dated XX/XX/XXXX is mine. This looks like I have two accounts, I only have the one. Take the XX/XX/XXXX off. The hackers are in XXXX XXXX FL, see attached, they changed all my contact info with XXXX 's, I got this statement online, my account is now changed back to me in Kansas. 

Hackers applied for credit, 9 companies dated XX/XX/XXXX to XX/XX/XXXX using my personnal information, which makes it looks like it was me, but it is not. The address in XXXX XXXX, FL is who did this. These hard inquires are pulling my credit score down. I DID NOT APPLY FOR CREDIT WITH THESE COMPANIES. Who would apply for credit this many times in such a short period of time?
Complaint sub-issue: Funds not received from closed account

For XXXX XXXX Citibank has waged a war against me trying to do some coercive information phising. Two accounts already closed, now the third under attack and seized after they promised me they wouldn't. 

In XXXX of 2017 they abruptly closed my credit card account of 37 years without warning, without explanation, without cause. This resulted in several complaints through the Consumer Finance Protection Bureau. Among the ongoing problems were an overpaid of nearly {$500.00} I had made and Citibank insisted they would not refund it. After months of refusing to tell me anything about closing it but continuing to insist on information phishing on nonCitibank accounts they suddenly made a false accusation of me doing " Fraudulent '' contesting of charges even though I had not contested a charge. ( Explain that one. ) Whether it was XXXX XXXX  who secured the refund or what I don't know, they did eventually issue the refund. But continued to harass me over the closed credit card account. This includes harassing phone calls and letters. 

Then they attacked a checking account attached to the account I am currently troubled over. Again it was about information phishing. Resulting in my closing the account. I asked specifically if I needed to close this remaining account because it's not safe from them, but they promised they'd cause no further trouble. I foolishly left the account open, because it's a bother to switch banks. 

Now they have blocked my access to this last account and stolen my money, using blackmail for their coercive information phishing as their excuse. 

Citibank wasn't always such a crooked company. I had my student loans through them, leading to my credit card. When they opened the XXXX branch I went there. Now they have chosen to be a criminal organization and I will need to shake their dust from my feet.
Complaint sub-issue: Problem lowering your monthly payments

I have conta cted American Education Services with regards to my monthly payment on numerous occ asions the most recent being   XX/XX/2017 . My in terest rate is constantly increasing and so are my payments. When I contacted them to seek options of lowering my payments I was advised that there is nothing that they could do because my loans are private and income sensitive repayment plans are only for  Federal Student Loan s. I have  XXXX  loans that are serviced b y American Education Services.     XXXX  has an interest rate  of 7.35  and  XXXX  other is  8.03.    I 'm currently making a monthly payment of  XXXX  dollars a month and in   XX/XX/XXXX  m y payment is going up by over  XXXX  dollars which would make my payments around  XXXX  dollars a month.   I make  XXXX  after taxes and I ca n't afford to make the payment after the increase takes affect. I have been paying on my loans for a couple of years now but the principal balance barely decreases because my interest rate is constantly increasing and I 'm told there is nothing that they can do to lock the rate nor to take my income into consideration for repayment purposes.   There are laws in place for Federal loans, but I 'm told because my loans are private they are not regulated and therefore I 'm forever a   XXXX    of American Education Services until t he da y I  XXXX  or   pay off my loans which is impossible to do hence the payment and the interest rate constantly increases.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this XXXX complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM XXXX REPORT : XXXX - XXXX XXXX - XXXX
Complaint sub-issue: Information is not mine

I have been disputing and demanding deletion of accounts and inaccuracies on my credit report for weeks now, and EQUIFAX has not only been ambiguous, they have not provided the requested and official documentation required by law, nor have they corrected the information, in reference to the following accounts since last contact. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. NOT MINE BELONGS TO A DIFFERENT PERSON WITH SMILIER INFORMATION. Please be advised that this is not my account, but a detect sent pursuant to the Fair Practices Act 1 : USC 1692g Sec 809 ( b ) I am also requesting the names, addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof, you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. What is your authorization of law for your gathering of information?
Complaint sub-issue: Public record

Equifax refuses to remove a Chapter XXXX case that is over 7 years old that I had dismissed despite Section 1681 ( a ) ( 5 ) of the FCRA. I have also filed a XXXX complaint.