Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem accessing account

Had a credit card with Discover for 35-40 years, closed account, referred to as Ole reliable, no real issues to speak of. Shortly after closing this credit card decided to open another credit card, this time it was called DiscoverIT. Process worked well, statements arriving on time, ( paper copies directly from the bank, also statements on line ). Par usual, then of course fraud, upset to my normal credit card usage. Then statements not arriving as before, in, essence, normal processes disrupted. Of course, having to deal with the Fraud department. When this happens, it is very time consuming for the customer ( who, by the way, is not being paid for the research involved, as are the Fraud agents ). It could take weeks until credits are issued or, of course, having to close the credit cards and then issue another. There seems to be a pattern with these banks, preplanned by the banks, deliberate, especially when dealing with senior citizens, to mess with customers accounts. Discover and I are no longer and I would advise anyone, where I reside not to have any dealings with this bank. I would not trust any of them to manage MY money or have any control. All these huge banks have the same AGENDA, to XXXX the customers, have them go into debt, take out loans so the bank profits, pretty much functioning in a very unprofessional, sleazy, deceptive platform. When calling the call centers, representatives extremely difficult to do business with, extremely amateurish, should be fired or retrained, finding many do not even know what they are talking about, or children answering the phone, saying I can help you. WHAT!! It is so BLATANT how these banks try to mess with customers accounts. The Federal Bureaus refer to this behavior as DECEPTIVE practices and Discover surely falls into that category, pretty XXXX and contrived. My association with this bank is OVER, as was with XXXX, XXXX, XXXX XXXX, currently involved in a {$140.00} XXXX class action case, I can see Discover ending up in the same predicament. 

Their Executive Advocacy representatives are the biggest FARCE I have ever dealt with in my 60+ years of banking. You, the customer, is advised to deal directly with them bypassing call centers, and when you try to reach them, of course, unreachable, at any of the phone numbers you, the customer, have been given, this could go on for weeks. REALLY!! 

The banks want to know how much money you, the customer, has, and knowing this, I do not play with much, I know, the bank will try to mess with my accounts, or ROB me blind to their own advantage. 

I pretty much put these banks, ie : credit card, checking account, debit card on a trial of 1-3, 3-6 months, if in that time a lot of disturbances to my normal banking, statements not coming on time, you know, all that deliberate XXXX the banks do, I will close accounts, FORGET any investments. 

It is unfortunate, these huge banks function from such XXXX, DECEPTIVE platform. 

I am OUT, good luck Discover acquiring new customers or even maintaining the ones you have. 

Checking account # XXXX XXXX Credit card # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

I received a call on XX/XX/ 2020 asking if I were going to pay a cell phone debt of the amount {$1200.00} I explained I have been with my current cell phone company over 8 years I have no knowledge of this debt can I please have something in writing and I do not verify this debt and now I see if this debt is mine I were told from the rep that I have been warn and now this debt is showing as a collection on my debt. If this debt is mine I never agreed to this debt and I don't know if this debt is mine and if legally they can still sue for this debt. Nor did this company ever verify the debt I gave them my P. O. Box address to sent correspondence still to no prevail I still haven't received anything from this company for me to dispute they just added it to my credit as an collection
Complaint sub-issue: Didn't receive enough information to verify debt

I tried to send them a letter last XXXX asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which IC System is reporting to the credit reporting agency. I am asking for debt valisatin. Tracking number : XXXX Debt Validation : 1.Who was the original creditor on this account, and what was the account number?

2.What was the original amount owed?

3.Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4.What was the original date of delinquency for this account?

5.Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6.What did you pay for this account, and how did you calculate the current amount owed? 

I never received any response regarding my request and they did not update the credit report as disputed. However, they sent me a letter stating that IC System will no longer collect the debt and will return the account to the original creditor but they never did. It's still showing on my latest credit report that they are still collecting on it. 

IC System is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.
Complaint sub-issue: Deposits and withdrawals

None of the options really fit my concern. PNC bank has recently disabled  XXXX wallet  abilities as well as the ability to connect my account to other financial platforms - such as The financial app, XXXX  where I automatically have money pulled from my account to save, the financial app XXXX where I can have money taken out my account to invest and other apps requiring access to transfer money in and out with my approval. 

Ive had these accounts for awhile and then one day pnc just stopped allowing it. This is a life inconvenience and they did not have member approval to do so.
Complaint sub-issue: Information belongs to someone else

Equifax. They show my current address to be in North Carolina. I have never lived in North Carolina. I have lived at my present address in Alabama for ten years. When I talked to them, they shrugged and said it was reported by a merchant and it was staying on my report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights as a consumer : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX 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 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX XXXX has multiple late payments notated on my credit report. These payments were made on time and the loan is now paid off. XXXX  has failed to report any payments since XX/XX/XXXX. These late payments should be updated to on time and my account should show as closed in good standing. 

Late payments that should show as on time include : XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; and XX/XX/XXXX. 

I contacted XXXX XXXX on XX/XX/XXXX to ask that they update this information and paid off the loan completely. I now have the title and the note from XXXX saying my account is closed in good standing, but reporting to credit bureaus has not been updated. I am filing a complaint to update these late payments as on time and close this account in good standing.
Complaint sub-issue: Information belongs to someone else

The following credit inquiries listed on my XXXX XXXX, Equifax and XXXX credit report is fraudulent and unauthorized : XXXX XXXX Bank, XX/XX/XXXX, XXXX XXXX XXXX Bank, XX/XX/XXXX, XXXX DC Bank XXXX XX/XX/XXXX, XXXX Bank Delaware XXXX XX/XX/XXXX, TD Bank XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX Bank XXXX Credit, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Bank XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXl, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX Bank, XX/XX/XXXX XXXX XXXX XXXX Bank, XX/XX/XXXX and XXXX XXXX Bank, XX/XX/XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

I have been repeatedly contacted by an agent stating he works for your collection agency from the following phone number - XXXX which according to XXXX belongs to XXXX XXXX in regard to an alleged debt that does not appear on any of my credit reports and well past FDCPA SOL. Upon further research I found that Lake City Credit does not appear to be licensed in the state of Tennessee. On a recorded line I made it clear to your agent that I am challenging the validity of this alleged debt and require debt validation per the FDCPA in addition to who contracted your firm to collect this debt and proof that you are legally licensed to collect in the state of Tennessee. Until then Lake City Credit shall immediately cease and desist from further contact outside of providing debt validation via mail. Furthermore a copy of this message along with the recorded convo with your agent will be forwarded to the following agencies : The XXXX XXXX XXXX, Tennessee Dept of Commerce,  Tennessee Attorney General, and the Consumer Financial Protection Bureau. In addition any further calls from your agents will be logged, recorded and presented during my legal recourse.
Complaint sub-issue: Card was charged for something you did not purchase with the card

In XX/XX/2022 I discovered a {$520.00} charge on Best Buy account. I disputed charge so they sent a new card and removed charge. On XX/XX/2022, charge was put back on account because they said investigation proved I was responsible for buying an XXXX from XXXX. I disputed {$520.00} again with a certified packet which included a letter from me, a police report, and a letter from my legal team, Of Counsel, XXXX XXXX with XXXX XXXX XXXX XXXX of XXXX XXXX Texas. In this packet, I asked them to send information proving I gave permission for another party to use my Best Buy credit card. I have not gotten a written response yet. I called them XX/XX/2022 to follow up. They say just had received my letter and they will get back with me. I wrote another letter on XXXX and no response. Charge is still on my bill. I need help to have removed because I did not make this purchase of {$520.00}.
Complaint sub-issue: Account information incorrect

I had a vehicle loan through XXXX XXXX XXXX XXXX that I opened in XX/XX/XXXX. I first became late on payments in XX/XX/XXXX and i voluntarily surrendered the car to them in XX/XX/XXXX. However, XXXX XXXX is not reporting the information to Equifax correctly. XXXX did send me a payment history and it does show that the loan became late in XX/XX/XXXX. Per FCRA law this item should be removed from my credit report already due to the 7 years requirement from the date of first delienquency. But because XXXX keeps advising that it was XX/XX/XXXXor XX/XX/XXXX Equifax will not remove it.
Complaint sub-issue: Account status incorrect

My XXXX AUTO LOAN ACCOUNT HAS BEEN SHOWING 4 30DAYS LATE PAYMENTS ON IT, I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND THE BANKS CREDIT COUNSELER SAID SHE COULD NOT ASSIST ME WITH GETTING THE LATE PAYMENTS REMOVED EVEN WHEN I WAS NEVER LATE. RIGHT NOW THE ACCOUNT IS SHOWING TO BE PAST DUE WHEN IT HAS CLEARLY BEEN PAID AS AGREED AND CURRENT. I DO PLAN ON TAKING LEGAL ACTION AGAINST THIS COMPANY FOR REPORTING THIS INACCURATE INFORMATION. I HAVE SPOKEN TO SEVERAL INDIVIDUALS IN THE BRANCH AND EVERYONE HAS NO CLUE ON HOW TO HELP ME, BUT THEY CONTINUE TO ACCEPT MY ON TIME PAYMENTS
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I've sent a copy of my Identity Theft Report to XXXX, XXXX & XXXX  along with a letter detailing how i am a victim of identity theft. Also included with that letter was each account that was fraudulently placed on my report under my name and social security number. Amongst the fraudulent accounts is US DEPT ED and DEPT ED NELNET. These accounts do not belong to me. They still are reporting this to my credit report.
Complaint sub-issue: Information belongs to someone else

Hello, XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Complaint sub-issue: Didn't receive notice of right to dispute

I was contacted multiple times by the company regarding a debt. I told the company that the debt is not mine. I was told basically that it is mine and I need to pay now. Caller was matter of fact. 
I was not told that I can dispute within a specific timeframe or any information except to pay or else.
Complaint sub-issue: Account status incorrect

It shows my account is open but it is in collections how is that possible? My information is also incorrect.
Complaint sub-issue: Debt is not yours

In XXXXXXXX XXXX XXXX, a rental management company called XXXX XXXX sold a rental debt accrued under COVD-19 federal and state protections. This makes the debt multiple ways illegal. I've tried several times to have the debt removed by contacting the company through credit bureaus. They have not removed the debt, which has now accrued interest to beE $ XXXX and is preventing me from securing housing.
Complaint sub-issue: Information belongs to someone else

was looking into my report and came across some accounts that was not open by me. which make the accounts fraudulent!
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXXXXXX Reported :XX/XX/2020 - XXXX XXXX  XXXX Reported : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Reporting company used your report improperly

Equifax experienced a cyber attack in which people 's social security numbers, names, addresses, credit card info were compromised. I enquired if I was one of those people and was directed to their website to determine if indeed I was. It confirmed that I was indeed one of those people. 
They offered to monitor my credit for free for a year. I would be losing my ability to easily hold them accountable and to have them rectify the situation by signing their agreement. Unacceptable.
Complaint sub-issue: Information belongs to someone else

I am writing to complain about a dispute submitted to the 3 major CRA 's on XX/XX/XXXX in regards to accounts fraudulently opened in my name. I am a victim of identity theft and did not open these accounts. I also am a victim of the XXXX XXXX XXXX 2008 data breach. State issued Drivers License were compromised and my social security was also compromised. I am not responsible for any charges made to these identified accounts or inquiries that were made by the thief, as the accounts were opened fraudulently.
Complaint sub-issue: Trouble with how payments are being handled

Hello, I am writing a complaint with MOHELA and XXXX regarding the handling of XXXX XXXX XXXX 

I have been a long time customer with MOHELA for my Federal Student Loans. I originally submitted by XXXX application last XX/XX/XXXX. I had my loans transferred to XXXX shortly thereafter in XXXX of XXXX. I received correspondence from XXXX that my XXXX XXXX XXXX XXXX for XXXX in XXXX of XXXX. I did not hear anything further regarding my XXXX XXXX until I followed up with XXXX in XX/XX/XXXX. It turns out that my application was rejected because I didn't notate that I worked " full time ''. I selected that I worked " part time '' because I always worked XXXX hours per week. I never On XX/XX/XXXX resubmitted only the first page of my application ( it was not told me that I should resend the entire packet pages XXXX & XXXX ) notating that I work " full time ''. On XX/XX/XXXX, I submitted page XXXX of my XXXX application. On XX/XX/XXXX I confirmed with a XXXX representative that the XXXX pages could be combined if they were submitted within 90 days of XXXX another. 
On XX/XX/XXXX and XX/XX/XXXX I received information from XXXX that my XXXXXXXX XXXX  was missing information. On XX/XX/XXXX I again spoke with a representative from XXXX who assured me that my application would be combined and there should be no problem. 
After speaking to multiple people at XXXX and not being able to confirm I had a complete and accurate XXXX XXXX  I chose to submit a new application on XX/XX/XXXX. I received confirmation of receipt for this application from XXXX and my loans were transferred back to MOHELA on XX/XX/XXXX. 

I have made multiple calls to MOHELA to check on the status of my XXXX XXXX  since returning back to MOHELA in XX/XX/XXXX. At times my wait times have been over XXXX hours to speak with a representative. Each time I have spoken to a representative they assure me that I have an application, but are unable to provide information regarding a time frame for possible forgiveness.
Complaint sub-issue: Problem using the card to withdraw money from an ATM

I currently have the Relicard associated with Ohio unemployment. I have had my account locked since at least XX/XX/XXXX when I noticed I could not use my card to make purchases or withdrawal funds. I called customer service and was given the run around about my card being locked due to possible fraud. I was told to fax my ID and proof of address to a fax number. I did that twice and was told they didnt receive them even though I had the fax confirmation page. I then went online and uploaded the documents. Then the rep said she received them and they were under review. I have called on multiple occasions almost every other day since XX/XX/XXXX and tried to get help with this situation. This is the only source of income I currently have and they are holding {$1800.00} that I need to pay my bills before I am evicted or my bills are shut off! They have told me that my account is still under review day in and day out and theres nothing they can do about it or to help me. I just need someone to unblock my card as there is no fraud on my account and I have already proved my identity to Ohio unemployment and now a third party company is holding my money.
Complaint sub-issue: Information belongs to someone else

On my credit reports there is a closed account with huge amount of missed payments. BEST BUY/CBNA Opened XXXX. XXXX, 2011 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA XXXX XXXX has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Complaint sub-issue: Reporting company used your report improperly

Equifax failed to adequately safeguard my credit data against computer hacking, along with another 160 million people 's. Then the company execs try to cash out before the news comes out?
Complaint sub-issue: Investigation took more than 30 days

I have reviewed a copy of my credit report and I show company XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX < -- -- -- NONE OF THESE ADDRESSES ARE MY ADDRESSES. ***FCRA VIOLATION, HOW IS THIS VERIFIED AS ACCURATE? -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- ALL THESE NAMES DO NOT BELONG TO ME -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$340.00} Date Opened XX/XX/XXXX < -- - NONE OF ALL THESE ACCOUNTS ARE MINE, HOW IS THIS VERIFIED AS ACCURATE? NO WRITTEN, ORAL, OR MAILED NOTICE TO ME. HOW ARE THESE COMPANIES LISTED NOT GETTING SUED? SHOULD I SUE?