Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX. XXXX, IN Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX, XXXX XXXX, XXXX LABS, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AUTO, 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.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Hello ConsumerFinanceProtectionBureau, and Discover Financial Services I'm writing in dispute to my account. It appears my card has been skimmed somewhere, some how and for some reason. 

I'm requesting any payments made to XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX or however it appears on your end, XXXX XXXX, immediately be reversed and returned to me as soon as possible. 

It turns out someone also made fake payments to my account just to keep flipping the balance back and forth. 

At this time I will not be accepting any calls, everything must be done through the CFPB Portal, or by email. 


I've attached a statement to verify myself.
Complaint sub-issue: Company closed your account

My attorney sent a letter to Macy 's to the account ending in XXXX but never responded
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased a Washer and Dryer from The Home Depot on XX/XX/XXXX. The washer and dryer were already 10 % off and there was a deal going on that if you opened a credit card through them you would save an extra {$100.00}. The employee called their credit card company to ensure I would get the {$100.00} off if I opened an account with the washer and dryer already being on sale. He was told yes and I would notice the {$100.00} credit within a month or two on my billing statement. Now the credit card company is refusing to honor the {$100.00} credit because they said I already got the 10 % discount. They even have record of the sale associate calling and asking. They say they were not completely aware that I was already receiving the 10 % discount. Which is unfair. Because they gave out the wrong information, I should not lose my {$100.00} discount. I would NEVER have opened an account through them if I was not promised the discount. I've been battling this issue since XX/XX/2019. Through both email and phone. Tomorrow my promotional deal ends. I do not want to pay the extra {$100.00} yet I do not want them to add on interest rates for not paying. I just spoke with a supervisor today and she was extremely rude and said she will not help me and I was told I wouldn't get the discount in XXXX and she was done with it.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX with no successful resolution. XXXX and XXXX  are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Complaint sub-issue: Trouble with how payments are being handled

I submitted an Employment Certification Form ( ECF ) TO FedLoan for my employment at the XXXX  XXXX XXXX XXXX and XXXX ( XXXX, a XXXX XXXX XXXX  ) signed XX/XX/XXXX however I had the wrong EIN on the form. I mistakenly had XXXX but on my W2 the EIN is XXXX. This was corrected in the fedloan servicing system on XX/XX/XXXX and sent to DOE for a review. On XX/XX/XXXX FedLoan confirmed for me that DOE had approved XXXX, but FedLoan denied the ECF because my loan had already been forgiven ( XX/XX/XXXX ) I never received a written determination on the XX/XX/XXXX ECF. I was told verbally on XX/XX/XXXX that it was denied but written correspondence was not sent to me. I asked for them to manually override this and send a letter. None received to date XX/XX/XXXX. 

Including this APPROVED employer will change my forgiveness date ( currently XX/XX/XXXX ). Payments from XX/XX/XXXX through XX/XX/XXXX will count towards PSLF. A total of 44 more payments should be applied. This puts my forgiveness date as XX/XX/XXXX and entitles me to a refund from XX/XX/XXXX through XXXX of XXXX when COVID forbearance began. I spoke with XXXX # XXXX at Fedloan and she confirmed that the XXXX ECF should have been processed first and applied in full before forgiveness was applied. 

I have also been advised to submit this reconsideration by the Ombudsman as a means to resolve my complaint # XXXX. I did so on XX/XX/XXXX, case number XXXX. On XX/XX/XXXX I was told by XXXX at the Federal Student Aid Info Center that review was complete and to watch my email for the decision. On XX/XX/XXXX The Federal Student Aid Info Center sent me an email in response to my inquiry that said they are " Unable to see the documentation of the reconsideration. '' I have called several times and gotten the same response from numerous reps. This is odd as XXXX from that group told me in XXXX that it was resolved. 

This is critically important to me as I am a XXXX patient and have extreme medical bills. My situation, where forgiveness was applied before all employers were deemed eligible is a textbook case that should be eligible for reconsideration and all of it was due to one small error on an EIN. I do sincerely appreciated forgiveness. I am also concerned about the delay as the limited PSFL waiver is ending on XX/XX/XXXX. 

My account is still with FedLoan, not XXXX. FedLoan says the DOE must issue a new forgiveness date. 

FYI I resubmitted the XX/XX/XXXX ECF on XX/XX/XXXX as it has been almost a year and received acknowledgement that it was received.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I woke up early on the XXXX of XXXX trying to use my unemployment funds to pay bills and my card declined! Everytime I call the number on the back of the card Im sitting on the phone for hours without talking to customer service!
Complaint sub-issue: Investigation took more than 30 days

I, consumer, entered into a consumer credit transaction with, XXXX XXXX and XXXX XXXX. A consumer transaction in which a finance charge was involved. 15 USC 1681 ( A ) ( 4 ) under FCRA means the consumer has rights to privacy. in which XXXX XXXX and XXXX XXXX  failed to provide protection of my rights. Inclusive towards that. The Corporations failed to verify and respond to my accounts over 45 days which also violate my rights of reporting accuracy. I have sent in certified mail which I have receipts from that have yet to be verified also. Companies need to block and delete accounts from credit reports.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with information listed and removed or updated without incident. Also, the creditor I talked to agreed to repair the account in my file. You however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, what day and time you talked to this person? All this information is need for a case I'm building against all parties who are damaging my credit XXXX XXXX  XXXX
Complaint sub-issue: Account information incorrect

XXXX is saying that i have multiple payments missing from 30-90 days past due. My payment was not past due, I made what they call an " extension '' to change payment times. every time in my requests there representatives in the calls were always assuring about the effects of the request. never was there a mention of a late payment resulting in the process. Now im even experiencing my account payments being at there competition, while the company is still seeing to mark my account as such. even going as far as to reporting i have {$11.00} remaining to pay on my account.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a washing machine and the matching clothes dryer from Home Depot. 

My granddaughter gave me her un used washer and dryer instead. I called the home Depot store tge next day and explained to the customer service agent that I needed to cancel my order. 

She cancelled the order immediately. However when my bill arrived, I was charged for the washer and dryer. I went back to the home Depot store and explained to the customer service attendant that I cancelled the order before it shipped out. 

The agent told me not to worry and she took care of it right away and that I should disregard the billing amount. 

I received another bill the following month with a XXXX fee. I called customer service again to inquire about the mysterious charge. 

The customer service agent told me that the XXXX dollars fee is an investigation fee that the company charge in order to investigate the cancelled order. 

I am a senior and I feel that I am being scammed and treated very unfairly. I never received the order and I should not have to pay for the company to investigate a product that I cancelled prior to the items being shipped.
Complaint sub-issue: Personal information incorrect

Have contacted XXXX XXXX on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.
Complaint sub-issue: Debt is not yours

I've contacted I C Systems regarding a XX/XX/XXXX account in collections that is showing on my credit report in the amount of {$360.00}. I explained to I C Systems that it is not my debt, and I requested for them to provide me verification of the debt. They advised me that they are unable to do so, and they continue to show this on my credit report.
Complaint sub-issue: Account status incorrect

I have disputed the late payment status reported on the account XXXX FKA XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP
Complaint sub-issue: Information belongs to someone else

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below are not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 


US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX   XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

In XXXX of this year, I found out that my identity had been stolen. I checked my credit report and there were several student loans on my credit report. In total, there were 4 accounts all opened fraudulently using my identity. 

I alerted each credit bureau that my identity had been stolen by sending a letter, filing a FTC complaint, sending an FTC affidavit and filing a police report and requested that they remove the accounts. It is my understanding that victims of identity theft are to have fraudulent accounts blocked from their credit report within 4 days of receiving that notification but they refused to do so and declined to give an explanation as to why they would not do so. They stated that all of the accounts had been verified as mine. This is a direct violation of the FCRA. 

I reached out to the creditor directly and requested that they provide proof that the account is mine by showing a physical contract with my signature and show what method they used to verify that the debt is mine. Instead of doing so, they sent a follow up letter plainly stating that the account was verified. Lastly, I sent a of Notice to Furnishers of Information showing that they can only report accurate information and that they are in violation of the FCRA because they have received word from all three credit bureaus that my identity was stolen but they have failed to take any action whatsoever.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I accessed my credit report XXXX XXXX XXXX and realized there were multiple inquires on my account that I did not authorize. Ive reached out to XXXX, XXXX, and XXXX on numerous occasions about this matter and was directed to call the those who inquired about my credit. I then reached out to XXXX, and Elan Financial via telephone and written letters. I never gotten an explanation or a response for that matter pertaining to this situation.
Complaint sub-issue: Information belongs to someone else

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XX/XX/2022 - Called Equifax and spoke with XXXX, Employee Number XXXXXXXX. They are not being helpful to survivors of XXXX XXXX She said to look up my XXXX XXXX block request that she required me to submit identification and proof of address electronically while on the phone. I submitted my driver 's license, passport, social security card, and a XXXX ( from social security administration ( social security benefit statement ) with both my address and full social security number on it. I offered my car insurance as well to serve as proof of address. XXXX would not accept my documents. She said that she was at the highest level and that it could not be escalated further.
Complaint sub-issue: Their investigation did not fix an error on your report

Date XX/XX/20 Attn : CFPB Consumer Relations Department To Whom It May Concern I am reaching out because as of now, I did not receive any response or notice from three Bureaus Credit Reporting Agencies for my disputes with them. They are stating that these accounts are under investigation. But I still have not received any updated letter from the Beaurus and creditors. 
Inaccurate account information, balances, last payment status, and default dates for all the accounts listed below are being shown. The agencies investigated it, but I did not hear back from credit report agencies and creditor. 
I have listed out the accounts and my reasons for disputing them below. Since this is my second request with CFPB to resolve this matter, I am expecting to receive responses in a timely manner this time. Thank you for your help in this matter. Please see my list for dispute below : ( A ) Credit reporting agency name : EQUIFAX Alleged account # ( 1 ) XXXX Creditor XXXX   XXXX, account type : Revolving. 
( 2 ) XXXX XXXX XXXX, account type Revolving. 
( 3 ) XXXX Creditor XXXX  account type revolving. 
( 4 ) XXXX Creditor : XXXX account type Revolving ( 5 ) XXXX  XXXX Creditor PORFOLIO Account type : Collection
Complaint sub-issue: Debt is not mine

I was shopping XXXX when the cashier asked me if I wanted a " rewards card '' I asked her if it was like a credit card and she said " No '' so I said ok, then I swiped my credit card and signed ( which I later found out that she had me sign for aXXXX XXXX credit card '' I NEVER received a card, never activated any card but yet they are telling me I have owed money on a credit card. I have been telling the company and every debit collector this story and I have paid money on it to have them to stop building interest on this card. The cashier lied and tricked me so that she could be rewared for getting people to take out credit cards but no one is trying to fix this problem, and last I spoke to the collectors, they said they would send me a dispute form and I have not heard from them since.
Complaint sub-issue: Debt was paid

I received a letter in late XX/XX/2021 from Remex Inc for a XXXX dollar copay that I apparently did not pay for XXXX XXXX in NJ. No clue how it ever got to this point. Never received a letter. Would have just paid it immediately had I known about it. Neither here nor there though. 

I immediately paid Remex with my XXXX  Credit Card to avoid this from showing up on my credit report as I am in the middle of closing on a house. I can't imagine a XXXX dollar mortgage deal being ruined because of a XXXX dollar copay ... 

I was recently checking my XXXX  Credit Card transactions and noticed there was an additional XXXX dollar fee for " Cash Advance. '' Basically, the way Remex charged me wasn't a regular credit card transaction. It was some sort of weird cash advance. I called Visa and they removed that fee for me. I asked Visa why this went through as a Cash Advance and they told me it's because Remex Inc charged me using some sort of cryptocurrency. 

The whole Remex operation seems really shady. I called Remex and asked them why they charged me as a cash advance and they couldn't give me any sort of explanation. They're just rude and unhelpful.
Complaint sub-issue: Problem with fees

Macy 's has been charging a " minimum interest charge '' of {$2.00} per month. This happens when I have paid the account in full as of the due date but have made a new charge which has n't become due yet. 

I know this practice was common many years ago and then it stopped. When it stopped, I assumed it had been outlawed. Either it was never outlawed or the laws have changed. 

None of my other credit cards do this. 

Thanks for your help.
Complaint sub-issue: Didn't receive advertised or promotional terms

I received a mailed promotion from Commerce Bank in  XXXX  for a credit card with a {$150.00} statement credit after spending {$500.00} within 3 months. By  XXXX   XXXX , I had reached over {$500.00} in spending. As of  XXXX   XXXX , I still have never received the {$150.00} credit.     I have called Commerce Bank multiple times over the past few months inquiring when I would receive the bonus. Every representative sees the promotion associated with the account, but they tell me to continue waiting. When I called after 2 months, they told me to wait another month. When I called after 3 months, they told me to wait another month. I feel like I 'm getting the runaround and they will never get around to giving me the credit.
Complaint sub-issue: Public record information inaccurate

I contacted all three Credit Bureau ' advising them that Chapter XXXX  bankruptcy REFERENCE # XXXX was showing on my credit and this was inaccurate and all my accounts were closing. I was victim of identity theft or mixed file from a bankruptcy in XXXX, Al with someone with a similar name and last four  SSN. I contacted the Bankruptcy Court in XXXX XXXX of Alabama, they could not provide any additional info. They also advised that no one has contacted them trying to verify that this bankruptcy is mine. Someone else 's bankruptcy is destroying my credit standing.
Complaint sub-issue: Deposits and withdrawals

Citi bank allowed me to open a checking account I deposit money in there. The money set for 3 days and I didnt do any activity on my account. I woke up the next morning reading en email Citi bank has sent regarding my account closure. I was told I violate a term and my account being closed. Now Im Being told I have to wait 30-60days for my money when I asked the young lady over the phone was there anything stopping me from having this account stay open she responded back and said no. Now my account is restricted and im out of funds until 30-days im not able to get to work or provide food for me and my child.
Complaint sub-issue: Debt is not yours

I began questioning this organization in XXXX of XXXX into XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the fourth time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.
Complaint sub-issue: Reinserted previously deleted info

Please see the attachment. It is as clear as day how Equifax is not verifying any information when checking on disputes. The quick story is that I am a victim of ID theft. I had XXXX items blocked on my credit report in XX/XX/XXXX and XX/XX/XXXX. Last month Equifax added these items back on. I immediately sent them the police report and ID theft report and even updated it. They ignored it and said they will NOT block them even with all the proper paperwork. This is just part XXXX. They then said they investigated each XXXX and verified they belonged to me. They then put Collection Account and Skip on each XXXX of them. So, instead of blocking them at my request and pursuant to the FCRA consumer rights which is MY right as a victim of ID theft, they did not, they claimed to follow up, then put them in notes as collection and skip ( which means I ran from these accounts and they cant find me ). This is as untrue as can be, they all know where I live including Equifax. BUT to really prove how the violated my rights, they also put collection and skip on a VALID account that is mine, that I used daily, that is in good standing. PLEASE see attached. They lied, they added Collection and Skip on all my accounts I asked to Block then EVEN DID ON VALID ACCOUNTS. Not only that, they show all of the collection and skip accounts as being paid on time. HOW? Just look at the attached. I can file a major lawsuit against them. They have accounts on time in collection and skip. They have a valid account listed as collection and skip. ALL of these accounts are showing as being paid on time. Every consumer right I have under FCRA is being violated. I simply had a total of XXXX items that I blocked and now it is XXXX items due to them adding stuff, lying and making up items on my report. Just look at the attachment it explains it all. It is as easy as pie to see how they are purposely trying to destroy me because I keep mailing them letters DAILY. They are upset at this and trying to hurt me and my credit. My credit is a XXXX but Equifax is trying to destroy it. They are evil people. They need to be held accountable, my attachment will show this all to you. I tried to put this all in XXXX document for you. I have amble proof, a police report, an id theft report but I do n't even need those, this shows clearly how every account is wrong.