Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I have been requesting that you correct my Credit File from reporting erroneous information and yet you have failed to do so. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00}. You claim that these accounts are verified and yet you have not sent me any copies of proof of verification from your investigation which is a clear violation of my consumer rights.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX  XXXX {$640.00} XXXX XXXX {$6800.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$13000.00} XXXX  XXXX {$600.00} XXXX XXXX   XXXX {$560.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/2019 i received my statement with fraudulent charges. i called to resolve the issue. At which time I was told they would handle the fraudulent charges and close my card and send me a new card. I received my new card in XXXX. I then received another statement with fraudulent charges that were transferred over from the previous account. i called multiple times between XXXX and XXXX. I kept getting transferred to the fraud department back to the costumer service department to the investigation department. At one point in XXXX the investigative department said they would look into it but was never assigned to anyone. This entire time I kept making the statement that i did not want this to affect my credit score. They said they were making corrections. My credit score was negatively impacted and my credit limit was dropped from XXXX to XXXX. I called last week and the week before each time with the person on the only line stating to give it 7 -10 business days to get resolved. At this point I feel like I am being harassed and taken advantage of. At one point i was getting daily calls from a Robo call to pay the bill. I hope that all my calls have been recorded as proof of what I am being put through. My credit score has been negatively affected and I am now having to wait to start my refinance due to the hit on my credit score. I have been treated poorly as I would have expected that by this point I would have been assigned 1 agent to take care of these issues for me. Instead I keep getting different numbers to call at a later date.
Complaint sub-issue: Not given enough info to verify debt

I purchased three items of clothing from Macy 's Department store in XX/XX/XXXX for {$87.00}. My account was set-up with electronic billing. Macys redesigned their website XX/XX/2015 and erased all of their previous electronic billing data. They subsequently never billed me nor did they make any attempt to collect the debt from me, or even contact me regarding the debt. I have subsequently incurred late fees and interest increasing the debt in four months to {$230.00}. I discovered the delinquent debt when applying for a mortgage refinance and discovered my credit score has dropped from over XXXX to XXXX. I have paid the {$230.00} debt, however I feel that Macys has acted in bad faith with regards to the imposition of late fees and charges given that my electronic billing arrangement worked well previous to their deletion of my information. While responsible for the underlying debt, I am unhappy that Macys felt they could delete my account and then charge me heavily for the action. Of more concern is the damage to my credit score. Their action could ultimately cost me thousands of dollars in increased interest due to the damage to my credit score. Prior to this incident, I had never been late on a payment in my entire life.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I purchased US Bank prepaid Mastercards # XXXX, XXXX and XXXX with initial value of {$200.00} in XXXX XXXX. I opened packages with these cards in XXXX XXXX and discovered that money has already been stolen from these cards in XXXX XXXX! I submitted a dispute form to the bank, however they responded that it has been more than 120 days since fraudulent transactions were charged to my cards therefore they cant help me and I need to contact the merchant. I contacted one of merchants ( XXXX ), they found these transactions and said that money have been transferred to a fraudulent XXXX account. They suspended that account, but according to XXXX they can refund money only when they receive appropriate paperwork from my bank. However, the bank is not willing to help me to return my money because it has been more than 120 days.
Complaint sub-issue: Their investigation did not fix an error on your report

Of the 3 major credit reporting agencies, Equifax is the only one that continues to report late/trailing XXXX XXXX mortgage balance of {$3400.00}. Everytime I call or start another dispute the mortgage is late additional months. I have advised them this can not be, as I am on " automatic payments '' and I have even sent them bill statements, and credit history. They have not exercised the courtesy and/or logic when reviewing information to see that the months keep trailing one another. I have had XXXX XXXX provide them correct information. With all of the disputes and information I have submitted I am beginning to believe this is racially driven. As there is no other way to understand why they have not rectified this in this amount of time.This has prevented me from buying and renovating homes, moving into a new home, getting credit increases, and providing additional needs that I have for my family.
Complaint sub-issue: Information belongs to someone else

I did a FTC report in XX/XX/XXXX and spoke with XXXX POLICE DEPARTMENT because there were XXXX student loans on my credit reports from XXXX. XXXX sent me a Packet Titled LOAN DISCHARGE APPLICATION : FORGERY and i filled it out and sent it to XXXX. On XXXX, XXXX XXXX, XXXX Closed all XXXX accounts from my XXXX, EQUIFAX AND XXXX Credit reports. In XX/XX/XXXX EQUIFAX Reopened my XXXX Accounts and added an Fraudulent account with XXXX OF XXXX For the same amount as the fraudulent XXXX Accounts, {$71000.00}. This account does not belong to me. Under 15 USC 1681 ( a ) 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681b ( a ) 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. Multiple addresses are reporting on my profile as well.
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/XXXX, in XXXX XXXX XXXX XXXX, Florida, XXXX XXXX, XXXX dba XXXX at XXXX XXXX case # XXXX was dismissed voluntary without prejudice ; yet, they took the initiative to use my identity and fraudulent sell this debt to XXXX XXXX XXXX XXXXXXXX whom also on XX/XX/XXXX used my identity and fraudulent opened this account up and reported this derogatory account to all credit report agencies. They have violated my rights numbers of times ; under 15 USC 1681 by misleading false reporting and using my identity ; 15 USC 1681 ( b ) which I never gave them written consent ; this is harassment and abuse under 15 USC 1692d ; and according to FDCPA Section 807 this violation is misleading and false reporting inaccurate reporting.
Complaint sub-issue: Problem with rewards from credit card

I called in to Fidelity Card Services through Elan Financial Services and asked them to redeem my reward points and transfer the funds to my Fidelity cash account. They said it would be two days. Three days later nothing had been deposited and was told it would be seven days. Nine days later I called and they told me sorry but it has been sent to " research '' and will take two weeks! They offer no compensation for the time I have spent resolving this which has exceeded ten hours nor have they offered to pay interest at the same rate they charge me to use the card. Not to mention the anxiety  generated having to deal with these lying thieves.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello I sent a dispute for my closeXXXX XXXX XXXX XXXXXXXX account to all 3 credit bureaus on XX/XX/XXXX and didnt get my dispute results until XX/XX/XXXX from XXXX and XX/XX/XXXX from transunion and XX/XX/XXXX from equifax which is over the 30 days. All 3 bureaus after reported it as a charge off on my account in XXXX wrongfully when the account was closed in XXXX and now it is affecting me even worse to XXXXhe point where its harming my credit file and I cant obtain anything as I am trying to buy my first home.
Complaint sub-issue: Reporting company used your report improperly

Again, my request for payment history went ignored. And now I see this company is continuing to illegally charge fees.
Complaint sub-issue: Company closed your account

Discover Financial failed to make good faith effort to verify my information before closing my account without reason or notice : Discover promised to allow 10 days for my info to be received and verified but did not. 

In XXXX, I made a single withdrawal at a casino for {$500.00} and shortly thereafter Discover Financial requested I submit a 4506T. I submitted it the same day with my mailing address which differs from my home address. Both addresses appear on my credit report. Both my condo and my XXXX  XXXX  are in the XXXX zip code. 

After 5 days, Discover financial requested a revised XXXX which I submitted immediately. 

Finally, they closed my account without notice it reason and refused to provide info during subsequent phone calls. 

I have proof of income, tax returns, excellent credit, and do not engage in any type of illegal activity nor do I gamble. 

Discover Financial did not make a good faith effort to verify my information and closed  my account, adversely affecting my credit score and financials, dropping my score from XXXX  to XXXX
Complaint sub-issue: Problem using a debit or ATM card

I submitted a fraud claim to my bank for non authorized transactions made with my lost debit card. They provided me a provisional credit during the investigation. After some weeks I saw those credits being cancelled without any letter or comunication from the bank explaining the situation. So I decided to call them and they told me that the reason for denied the claim is because " I made business with them before '' situation that is totally false, Investigating this further I noticed that the " charge name '' is not the store, is the payment processor called " XXXX '', so I had more transactions with that name so the bank thinks that XXXX is the name of the merchant. I explained them this situation that XXXX is a payment processor and not the merchant name, so they reopened the case, also requested to submit a police report and since then my account is overdrawn without any solution for this issue. 
I submitted all I was requested to the bank and even that they didnt do what they need to do to solve this fraud claim. 
The original claim was submitted on XX/XX/2021 with the number XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have been fighting with XXXX for almost two years concerning an unauthorized credit account opened in my name. I have filed and sent the company and respective credit bureaus copies of police reports, FTC identity theft affidavits, multiple letters, and proof of my identity. The items were initially removed from my credit report, then XXXX certified to the credit agencies that they are holding me responsible for this debt. Shortly thereafter, it was added back to my reports. I feel as if I am being revictimized by this company.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax says they are looking into and correcting issues on credit report but yet never do. All they do is either put an update that says client disputes item or they dont make any changes. If the collections agency or lender says the item is correct, they just leave it on there. XXXX XXXX is a collection agency. I have talked to them several times and explained that I have paid debt off with credit card company. Then, they send me a copy of my last bill with XXXX and say it is still valid. i Had 3 credit cards with XXXX XXXX ( one was formerly XXXX ) and I had difficulty paying them in XX/XX/XXXX-XX/XX/XXXX and stopped paying them. Last XX/XX/XXXX, I called XXXX XXXX and paid off all of the debts. They had sold it to XXXX XXXX. I have told them that I already paid XXXX XXXX and they just sent copies of old bills. This is not doing anything since I paid them off last year. I want them reviewed from my credit report. Additionally, it is already reflected from XXXX XXXX that payments were late and charged off but they were settled. This a double negative report on my credit bureau. They also sold the debt to XXXX and other collection agencies for the same amount of money. They also need to be corrected and removed Equifax also refused to take off XXXX XXXX and XXXX XXXX collection agency. They just update that I dispute info. This is not a valid collection and needs to be removed. I dont want it to just say updated. XXXX XXXX XXXX XXXX-two accounts. They were paid off completely and in full. THey are not charged off. XXXX XXXX-They did not verify it belongs to me. XXXX XXXX is saying it is my debt and it is not. They have a judgement against me too and I am working with attorney to have vacated and this removed from credit report. I want to know what steps they take to verify. So all these inquiries need to be removed.
Complaint sub-issue: Debt was result of identity theft

In XX/XX/XXXX I received a statement dated XX/XX/XXXX from Citi Card saying that I owed a balance from a credit card of {$480.00}. There was no full number on the statement, just the last four digits, no listing of what the charges were for and a P.O. Box listed saying to immediately send in a payment. I had never applied for a card with them. I called a Citi Card rep and she did a search and found that I had no account and told me to forget it. I asked her if she wanted me to send in the statement to the company because of a fraud and she said no. In XX/XX/XXXX, another statement came for a payment of {$480.00} with a due date of XX/XX/XXXX and a balance listed of {$8500.00}. I questioned why I was still getting these statements. XX/XX/XXXX I placed a fraud alert report with the 3 credit agencies. On XX/XX/XXXX, I tried to speak with someone in the Citi Bank Fraud Dept. and had to wait hour even before speaking with anyone. Then, it took @ 45 min before it was decided to connect me the Loan Applications Dept. where I didnt get resolution because I was kept on so long waiting that my cell phone minutes ran low and my battery died. By XX/XX/XXXX. also, Citibank had placed this fraudulent posting onto my credit report ( first XXXX, then the others ), then I experienced repercussions from my credit card companies who began to reduce my credit and my credit score has plummeted very low due to their error. I am still trying to get this resolved. I have been trying to get the mailing address to send in a written complaint.From what I see, the company gave this other person credit privileges starting in XX/XX/XXXX when it would have been impossible for him/her to have due to my circumstances at the time. That is why I want to see the information on the credit application they okd. I filed a police report XXXX XXXX for identity theft. I've also gone on line and created an account with identitytheft.gov. I tried during this entire time to get a mailing address to send in my complaint but all Citi Bank has is online telephone numbers. I tried to go through those but couldn't get a mailing address. On Sat., XX/XX/XXXX I tried again to speak to a rep. ( again taking a long time to connect ), transferred to the Fraud Dept. which never answered and the rep. gave me a general mailing  address. It should not take this long to get this resolved. I've had the chance to see the reviews from the BBB and other sites. I hope I have a more positive resolution than what I've seen.
Complaint sub-issue: Account information incorrect

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX I Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX 
Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : REF # XXXX Inquiries : XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Complaint sub-issue: Account information incorrect

Hello i have a XXXX credit card and i check my monthly reports on Credit Karma I've never been late on payment and my score went down 30 points and i don't understand why.
Complaint sub-issue: Contacted your employer

A few months ago, Discover Student Loans required my profile to include my employment information. No other contact information was changed. On XXXX XXXX ,2017, they have now used that information to email my work regarding my loan. Just today XXXX/17 someone tried to call my employer. I believe that they wanted to get my employer info to reach outside of the information they already. I am requesting that Discover Student Loans be fined both both inappropriate contacts on the dates provided. Thank you.
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$1600.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00}.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Online Discover account shows transaction activity as either pending transactions or posted transactions. When Discover moved one transaction from pending to posted they also left it in pending list so a single charge ( {$1000.00} ) shows both as pending and posted. I have spent over an hour on line chatting with customer service over 2 days but they won't fix this - clearly a system error. CS confirmed that there is only 1 charge not duplicate, but say they can not remove the pending and that I can't dispute it until it becomes posted. But it will never become posted because it already has been posted but not removed from pending list in error. Discover provides no way for me to address this beyond simple chat service who won't help solve the problem.
Complaint sub-issue: Trouble with how payments are being handled

Someone use my identity to sign up for school and also filled out for students loan on Mohela
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following unauthorized inquiries appear on my respective credit reports : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

My name isnt XXXX XXXX that is one error on my credit report. My name is XXXX XXXX so please remove these errors listed on my credit file. 2. All the addresses listed on my credit file is reporting incorrectly and the only address that should be reporting on my credit file is XXXX. XXXX XXXX XXXX FL XXXX. So please remove that error as well along with the inaccurate accounts and inquiries that you have been reporting on my credit file.