Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem

I used Discover Card to pay for my XXXX  XXXX  done at XXXX XXXX XXXX located in XXXX XXXX, Ca. I thought that this clinic was a legitimate XXXX XXXX, but as it turned out it was only a day spa illegally offering medical treatment such as XXXX, XXXX, XXXX, etc. to unsuspecting customers like me. So, I felt cheated and they deliberately lied to me. They put my health at great risk without any concern. The paper I signed, the treatment I received, the sales receipt were all part of illegal operation. Therefore, I asked for a full refund from Discover Card through charge back. Even though I informed them exactly what happened, they still took the merchant side ignoring the legitimacy of the entire transaction. I thought Discover did not do a thorough investigation. What Discover Card did was encourage businesses to conduct illegal transactions at the expense of innocent consumers.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/2023 @ XXXX Jefferson Capital Systems , LLC Company sent me an email regarding a supposed debt that is owed. However, I never provided this company my email address at any point nor have they attempted to mail mail me their complaint. I believe that this company has been hacking my emails. Given the fact I do not owe this company anything since I never entered into a contract with Jefferson Capital Systems LLC
Complaint sub-issue: Problem using a debit or ATM card

I want to connect my virtual wallet account to XXXX, a stock trading app
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXX and XXXX XXXX XXXX have 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 an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Complaint sub-issue: Their investigation did not fix an error on your report

Student Loans refinanced. Showing old loans over the limit and the incorrect balance. Showing multiple loans open with unknown dates which is incorrect. I have only one loan now through XXXX XXXX XXXX for {$68000.00}. The multiple XXXX XXXX accounts have been closed over 120 days. Disputed with XXXX. These accounts are also in litigation thru settlement agreement intended to resolve Sweet v. Devos, a years-long class action lawsuit originally brought by student loan borrowers against the Trump administration for failure to process and approve thousands of Borrower Defense to Repayment applications.
Complaint sub-issue: Debt was result of identity theft

In accordance with the fair credit reporting act, XXXX XXXX XXXX Account # : XXXX has violated my rights. 
15 U.S.C 1681 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 an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021 I disputed the following information with XXXX, Equifax, & XXXX and they have yet to respond in the time allowed by the FCRA. XXXX, XXXX, & Equifax are violating my rights as a consumer and Im requesting legal action to remove these accounts immediately. 
XXXX Negative Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax  Negative Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX
Complaint sub-issue: Debt is not yours

I sent a letter to XXXX XXXX XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
Complaint sub-issue: Debt is not yours

The company has failed to delete the negative account from my credit reports. 

They have sent a letter stating that they would proceed to delete but it has been more than 30 days. 

Please see letter attached.
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 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 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 correct : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$2600.00}
Complaint sub-issue: Debt is not yours

Americollect XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX To : The Office of Registered Agent for Americollect From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that gives you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX XXXX require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. 

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.

You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages. 

Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 

By : XXXX XXXX XXXX XXXX, XXXX XXXX, submitting this complaint without any assistance from any third party.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Complaint sub-issue: Account status

I am currently almost done with my chapter XXXX bankruptcy. All my accounts are reporting closed with XXXX and XXXX. But on my equifax report it is still reporting an account as open even though it shows as closed through the other credit reporting agencies. The account in question that should be reporting closed is XXXX/XXXX ( account number XXXX ) for the amount of {$4500.00}. I will attach a current credit report for XXXX and Equifax showing proof of closed account. 
Also attached is my last credit report showing equifax reporting that account is not closed. And a screenshot from XXXX XXXX website showing account is still open. I am unable to file a claim through XXXX website because the question I answer each time to verify my identity keeps failing for some unknown reason.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

Very beginning of XX/XX/XXXXI paid off my Discover credit card, {$2800.00}, while on a mission to improve my credit score in preparation for buying a house. I had held a high balance for a long time but always made my payments while saving to pay off a good chunk. A few weeks laters,XX/XX/XXXXI received a letter stating my credit limit had been changed from {$3000.00} to {$500.00}. This rocked my credit score badly. Dropping me 30 points lower and wiping out my hard earned gains. When I contacted them, they said it was and automatic review based on numbers from my credit score. Which had gone up between 25-50 points due to paying off large portions of my debt. They stated some factors included an account that went to collections. I explained this was a medical bill that I never received. The week I saw the collection on my report, I paid it off in full. This was added to my report around XX/XX/2018and was paid off immediately. I asked the associate if they felt a collection of {$160.00} sounded like a good reason to remove {$2500.00} from a 2.5 year old account with no delinquency. The associate agreed that it did not seem fair but that they couldn't do anything to change the score until the next review. I asked if they could request a review on this and they stated no. My only choice was to initiate an credit line increase which would negatively impact my credit score. Another factor was the age of my credit. Which while still new, 3 years or so, was obviously better than any previous random review as I have not requested any new lines of credit in nearly two years.
Complaint sub-issue: Deposits and withdrawals

This case was previously sent to you. Thanks for copntacting CITI Bank to resolve the case but CITI Bank only provided me with partial refund and when I contacted them by phone they told me they will not give me the remainder of the amount which is {$680.00}. On XX/XX/XXXX XXXX refunded me for the ticket for cancelled trip because of COVID, On XX/XX/XXXX CITI withdrew an amount of XXXX from my account in two transaction {$790.00} and {$250.00}. As of today CITI Bank had not sent me a reason for withholding {$680.00} and credited my account only for {$360.00} 3 weeks ago. I have been calling and speaking to CITI Bank and as of today they have refused to credit the {$680.00} which they still owe me. I am asking for interest added to the amount which is {$50.00} since XX/XX/XXXX and 7 months have passed and I still have not received a closure on this issue which have taken lot of my time and stress to deal with this issue. The amount of {$680.00} is posted as Other Credit on my statement which XXXX  refunded me for upgrade and extra luggage fees which I paid XXXX  and now CITI Bank has deducted from the refund amount of {$1000.00}. I am asking for a total amount of {$730.00} which included the {$50.00} interest. Thank you so much for your assistance and keep up the good work. CITI has chosen to underestimate customers and take my hard earned money away from my account and withdrew funds from my account for 7months without giving me a reason and not even contacting me in writing or by phone and upon me calling CITI constantly still refuse to give me my own money and are rude on the phone. I am glad I found CFPB to help me with this. Thanks a lot CFPB.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX ACCOUNT # XXXX & XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent another certified letter to Equifax regarding XXXX XXXX XXXX. 
There's still no update from Equifax & also XXXX XXXX XXXX. This report is in Ref to report # XXXX
Complaint sub-issue: Information belongs to someone else

I did not authorize anyone employed by these companies to make any inquiry or view my credit report.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/XXXX XXXX XXXX XXXX reported onto all of my credit bureaus in the amount of {$2600.00} as a derogatory account. I have no knowledge of this company and believe it to be fraudulent as I was part of the Equifax breach and had my information stolen. I have reported this to all three credit bureaus through dispute letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX to no avail. I still have not received a single piece of paper from either XXXX or any of the credit bureaus about this issue. Are they in league on this or what exactly is going on here?? I demand that this issue is resolved immediately.
Complaint sub-issue: Didn't receive advertised or promotional terms

I need to file a complaint against Discover for falsely advertising a credit card offer promotion for using   XXXX   XXXX  . The first  XXXX    XXXX   XXXX   came with a {$5.00} promotion. Discover told me on several occasions that I would received it this  XXXX , but I did not. They admitted to their error, but are still trying to make me wait for 1-2 more billing cycles.
Complaint sub-issue: Received unwanted marketing or advertising

continuous false and misleading advertising by Credit Karma. Who continuously states that my chances for approval of credit are excellent, but I get denied every time I fill out applications for the recommended cards
Complaint sub-issue: Personal information

I have sent a address affidavit to have all incorrect addresses removed from my file. My name is spelled wrong on my Equifax report as well. Please see the attached documents and correct the error as requested thank you for your time and concern.
Complaint sub-issue: Old information reappears or never goes away

I have sent to dispute letters to remove old address. The first letter was by fax on  XXXX   XXXX ,   XXXX   where they deleted some but not all of my old address. I sent a second letter on  XXXX   XXXX ,   XXXX   that was certified with electronic receipt, the letter was received on  XXXX   XXXX ,   XXXX   and was resolved my  XXXX   XXXX ,   XXXX  . The address were not removed.
Complaint sub-issue: Problem lowering your monthly payments

I have called Sallie Maes customer service number multiple times. There has been times where no one would even answer during business hours. I would get different scripts from different customer service contacts. I have spoke to two loan contact personnel over the past week XX/XX/18 and neither times were they willing to work with me. I have tried to keep up with my payments but they are not understanding my income compared to the amount they are trying to charge me.
Complaint sub-issue: Overdrafts and overdraft fees

PNC has my account noted so that any refund request made will be denied. This is unfair practices and discrimination. Each request should be researched and approved or denied based on each individual transaction or situation. I spoke with XXXX on XX/XX/22 and a request for a {$36.00} fee to be returned to my account was denied. PNC has low cash mode linked to my account which allows more time to deposit before being charged. My paycheck was deposited within this time frame which was the reason for my request. PNC has determined my account is no longer eligible for refunds no matter the situation and this is discrimination.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX, these accounts below have violated my rights. 

Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name XXXX XXXX XXXX  Account # XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. Stated I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency furnish a account without written instructions
Complaint sub-issue: Deposits and withdrawals

The problem is the online banking periodically is unavailable for deposits. On Friday XX/XX/2022 I attempted to deposit my check several times until XXXX. This happens often. Everyone knows Friday is payday. Why would PNC who claims to accept same day online deposits until XXXX do this to their customers? I have a business run and this is not fair to me, I can not imagine how people without credit feel or manage. It is an unfair business practice. If they are having technical issues, they should post a notice so that people can go to the bank and deposit.
Complaint sub-issue: Didn't receive advertised or promotional terms

US Bank is advertising a 0 % APR ( Annual percentage Rate ) for a balance transfer for 15 billing cycles. Yet Because they charge a 3 % fee for the balance transfer the actual APR is of course 2.4 %.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Problem with personal statement of dispute

To Whom It May Concern, Im writing to you because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my FEDLOAN SERVICE account. 

I want you to know that I understand, and have great respect for my financial obligations. 

Unfortunately, at the time of the incident mentioned above, I talked with one of the representatives that work for your company and I set up for them to withdraw monthly automatic payments from my checking account. I did not realize that I had a derogatory account until after I got a notice stating that I was 120 days late. I was under the impression that the payments were being taken out of my account faithfully. 

Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 

Currently I am applying for a mortgage and financing anything has been a struggle. It has come to my attention that the missed payments on my credit reports have hurt my ability to qualify for anything. 

In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the 5 late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 

Thank you for your consideration. 

Have a blessed day!