Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

To whom it may concern, Upon reviewing my credit reports, I noticed that there may be some violations per the Fair Credit Reporting Act. I noticed with the XXXX XXXX account number XXXX on XXXX the date opened states XXXX and for XXXX it reports open date as XXXX. The other account with the same creditor account number XXXX states that there is a balance of {$700.00} owed on this account but there is another account under the same exact name and amount owed account number XXXX states this account was opened XXXX. Neither of these accounts am I familiar with. There are two other accounts that I am not familiar with until I currently reviewed my credit reports. One account is XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX. I also noticed with this account that there are inconsistencies in the balances on XXXX the balance reflect as {$760.00} while on XXXX the balance reports as {$760.00}. Please remove these unfamiliar accounts that is possible fraud accounts. 

I also noticed that there are an enormous amount of inquiries on my reports that have not been requested by myself. I am asking that these request for credit inquiries please be removed. These inquiries includXXXX 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 

Thanks again please do a detail investigation of these accounts and remove as soon as possible because they are having a negative effect of the scores reporting on all three credit bureau.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because according to the 15 USC 1681 : I have the rights to privacy and I did not give Equifax written permission to furnish these accounts. 

Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXXXXXX Account Number XXXX Account Name XXXX XXXX XXXX BANK Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Number XXXX XXXX BANK Account Number XXXX Account Name XXXX Account Number XXXX
Complaint sub-issue: Investigation took more than 30 days

There are two debts on my credit reports from XXXX XXXX XXXX. One is for a XXXX XXXX  specialist for {$2000.00} and the other is for a XXXX for {$100.00}. Neither of these debts are mine - I am in excellent health and have been to neither of these doctors. Ever. I have disputed them many times with XXXX and XXXX ( they are not on my XXXX report ) and they always come back saying that XXXX XXXX XXXX verified that the debts are mine. So, I sent a certified letter to XXXX XXXX XXXX requesting that they either offer proof that the debts are mine or remove them from my credit reports and gave them 30 days to do so. Their 30 days were up on XX/XX/XXXX/17 and I did not receive a response, nor have I received one since. I then disputed the debts with XXXX and XXXX, explaining that I had sent a certified letter to XXXX XXXX XXXX and had not received a response within 30 days. I just received a response from XXXX stating that XXXX XXXX XXXX verified that the debts are indeed mine. No, they are not mine. They had 30 days to prove it, they did not, the debts are not mine, they need to be removed from my credit reports and XXXX XXXX XXXX needs to be punished for not following the law.
Complaint sub-issue: Account status incorrect

I have several accounts which are still reporting late payments when i always qualified for deferments or forbearances and can show i was receiving public assistance during those times and account should not be showing late payments, and i see duplicate accounts being reported more than once! Accounts been transfered and closed a long time ago but still reporting
Complaint sub-issue: Debt is not yours

D & A services is trying to collect a debt I have no knowledge of. They have violated section 809 15 U.S.C. 1692g- Validation of Debts. They have yet to validate this debt. I have not received any contact between them and I that I owe them this debt. I have not also received any signed contract bearing my signature. They have not sent me any document showing they have a legal right to collect this debt or collect in my state. I have ask them to cease and desist all communication. They are still reporting this account to my consumer report, which per court case TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account on a credit report indeed is considered collection activity.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX XXXX 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: Banking errors

Received this notification from Discover Bank that I have an option to limit my privacy from Discover by calling their customer service at XXXX XXXX. 

I called Discover and asked them to limit my sharing with other affiliates. 

The respondent asked me an entourage of questions - My social security number, my verbal password, mother 's maiden name and then my name. 

She said that I have been opted out of Discover bank sharing my information with its affiliates but refused to provide me any kind of confirmation. 

Please see the notice attached. 

Now tomorrow if Discover do share my information I have no proof that I called them to discontinue sharing my information and this is bizarre and a fraud.
Complaint sub-issue: Information belongs to someone else

I am writing this due to non-compliance with Equifax, They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Complaint sub-issue: Account information incorrect

discover card limit is incorrect on all 3 bureaus my limit is XXXX, not XXXX this difference helps my FICO score
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hello, This charge was a fraudulent charge. I am a victim of identity theft with an ongoing police investigation. ( If a case number and or the lead detective are needed, I will be willing to share them upon request ). 
Immediately a dispute followed with Discover card. Was denied based on " documentation sustaining the charge to be valid '', documentation todate not revealed to me- the consumer and victim in this case. Reached out the 2nd and 3rd time. The re-denial is based upon the same information ( without gathering new information from the vendor as necessary upon re-opening the dispute ). My understanding is that, the first communication from the initial charge has been used by Discover over again to their leisure to determine the approval or reversal of this fraudulent charge. 
It is very disrespectful to be ignored and my case disrespected by Discover. 

Thank you for your help with this dispute. 
XXXX XXXX
Complaint sub-issue: Account status

I filed bankrupt and it was discharged in XXXX of 2015 Equifax has not updated my report that I filed nor have they removed any accounts from my credit report. Also the car loan that 's on both of my reports should be removed. I tried to dispute with Equifax but they claim they ca n't never identify me.
Complaint sub-issue: Problem with personal statement of dispute

ON XXXX XXXX OF 2017 AS OF EASTERN TIME XXXX XXXX, AS A CITIZEN OF THE UNITED STATES AND XXXX TRIED TO OBTAIN A CREDIT CARD WITH DISCOVER. A REASON IN WHICH I FIND TO BE OBNOXIOUS SEEMS THAT THEY HAVE DECLINED ME DO TO CREDIT BUREAU INQUIRIES WHICH I FIND HIGHLY UNTRUE DUE TO THAT I HAVE N'T REQUEST FOR A CARD SINCE I JUST TURNED OF LEGAL AGE. ANOTHER ISSUE IS THAT WHEN SPEAKING TO AN AGENT OVER LIVE CHAT SPECIFICALLY AGENT XXXX CLAIMED TO HAVE APPROVED ME, I PROVIDED THE DOCUMENTS NEEDED, I HAVE TOLD THE AGENT I WANTED THE CARD EMAIL TO MY WORKPLACE SO HE ASKED FOR DOCUMENTATION WHEN I TRIED TO FOLLOW, IT SEEMED AS THE LIVE CHAT HAD ENDED. I THEN WHEN ON TO ASK ANOTHER AGENT AND THE AGENT WAS VERY UNHELPFUL AS TO GIVING ME A REASON WHY ONE IS DECLINING ME AND THE OTHER APPROVED ME AS WELL WHY HAVE ME SUBMIT ALL OF MY PERSONAL DOCUMENTATION. I FEEL AS THIS HAS BEEN A FREUD ON THE BEHAVE OF DISCOVER.
Complaint sub-issue: Information belongs to someone else

The following accounts has been fraudulently placed upon my credit file the following accounts are not me and I'm demanding that these unauthorized accounts be removed from my credit file. 

1 ) XX/XX/XXXX{$100.00} 2 ) XX/XX/XXXX{$100.00} 3 ) XX/XX/XXXX{$470.00} 4 XXXX XXXX XXXXXX/XX/XXXX {$83.00} 5 ) XXXX {$31.00} 6 ) XXXX {$2100.00} 7 ) XXXX {$2000.00} 8 ) XXXX {$760.00}
Complaint sub-issue: Information belongs to someone else

I have multiple address in my name THAT DONT BELONG TO ME : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX La,XXXX  XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX nj XXXX XXXX XXXX XXXX XXXX XXXX Tx,XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Also i have names on my report thats not me XXXX XXXX THIS IS NOT MY NAME AND ANY THING IN THIS REPORT DOES NOT BELONG TO ME I WOULD LIKE ALL THINGS TO BE REMOVED IMMEDIATELY BECAUSE NONE OF THESE THINGS ON MY REPORT OR IN THIS STATEMENT BELONG TO ME.
Complaint sub-issue: Didn't receive enough information to verify debt

This account was disputed and deleted off of my XXXX report on XXXX XXXX as a result of not being verified as my debt. It was also disputed on XX/XX/2018 on XXXX and was deleted XX/XX/2018 on XXXX  as a result of not being my debt. The account balance of the debt is {$990.00}
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute with XXXX on XX/XX/2021 on this account letting them know I have no knowledge and requested a full validation under FCRA Law and requested information on the company right to collect under fair credit and billing act. I have not heard back from XXXX. I have also filed a complaint with CFPB and no action was done. Please provide the requested information or otherwise delete the account. I am also looking into filing a complaint to the FTC and DOJ. 

disputed accounts XXXX  XXXX XXXX  Opened XXXX {$560.00} XXXX XXXX XXXX Opened XXXX {$3200.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX college is trying to charge me for tuition that i have paid off and are still reporting on my XXXX credit report. Also XXXX XXXX XXXX has been false reporting the same account 8 times on my file report i have disputed this with all my credit bureaus and they have been removed but XXXX is hurting my credit score with false reporting I have called to request all orginal contracts and they have not given me anything i also filed a complaint against them .. I need some one to help me because i work very hard to pay my bills on time and have good standing accounts for XXXX  to allow XXXX college and XXXX XXXX XXXX to do as they wish with my credit report
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

OnXX/XX/XXXXI tried to submit a dispute on line with Equifax. I 'm unable to answer the security questions due to fraud purchases made by person/persons unknown. I do not have a retail card from XXXX. I do not have a bank card from XXXX. I filed bankruptcy in XXXX, the case number is XXXX. It was filed in XXXX Tennessee Western District. I do not have a XXXX car. I do n't have an income to pay a loan or to lease a car. The last car I had was paid for in XXXX. The car was a XXXX XXXX XXXX. The vin number on that car was XXXX, the plate number was XXXX. The title was XXXX. I 've reported theft of my drivers license to the Department of Motor Vehicle in the State of Tennessee. No-one will do anything here & this city wonder why crime is so high. No-one wants to do their jobs. Yet everyone wants to get paid. I 've told the courts that XXXX XXXX XXXX is posing as a paralegal. She 's deleting my history. The FBI told me this is an inside job, not only is The XXXX is responsible. My former employer XXXX XXXX XXXX XXXX have my identification. XXXX XXXX once lived with my late father. She 's stealing my mail through the United States Postal Service.
Complaint sub-issue: Account information incorrect

I called the 3 credit bureaus to put a personal statement on my report. They asked me the usual questions in regards to verifying me, but they asked me a bunch of questions regarding my student loans. They were trying to get me to verify that I took out the loans and I said I did not. This was the whole reason I wanted to put an identity theft tag on my personal statement as I am fighting with XXXX about it currently. I tried to talk with Equifax before about the identity theft of 2016 and to dispute items on my credit report and they made it impossible for me to dispute them. Its like they want to have negative things on my credit report. So I had to claim bankruptcy. When I applied for a loan for a house last year, they said that I should be able to request a personal statement, So this is why I called the credit bureau. XXXX  told me after about asking at least 20 questions that I still was not verified. They would ask questions like what was the balance on your credit card two years ago? This is ridiculous. I spoke with XXXX and I told him because he was in a foreign country, I wasn't sure I was speaking with Equifax. I said I wanted to talk with a supervisor who was English speaking and they sent me to another foreigner who asked the same questions that XXXX said I got wrong. I am very uncomfortable after what happened sharing any information about myself, let alone being asked 20 questions. My student loan accounts are inaccurate and I never took any loans from anyone other than XXXX XXXX who sold them to XXXX. I cant even put a dispute in or put a personal note about what happened 2 years ago due to credit card fraud.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

The Citibank presidential office is involved in a series of credit card defraudment of customers. Citibank is not adhering to the fair use and billing act and has breached their contract with me. In their clause it says I am not responsible for any credit card charges done on my account. Based off of all the evidence that has come out the facts are I was at work during the time my credit card was fraudulently used. 

In addition to this information they blatantly lie in their letters to me about things I have said or done even though I have told them I have done the opposite. 
I.e. They said I failed to go to the police when I personally went to the police to try to report the crime they did not bother to take it because the charge was under XXXX dollars ( XXXX police dept ). 

I.e They told me the card was used at XXXX XXXX  but failed to specify which time zone in which I assumed it was pacific time and stated that information to them. This was a clever trick in order to make me seem contradictory. although my card was used at XXXX XXXX it does not change the fact that I was either at work or in the shower because the transaction happened an hour and a half away from me. 

I.e. They said I failed to allow an investigation at my workplace where I believe the card may have been stolen. I have no solid evidence it was a co-worker, and in addition to this there are XXXX people at my workplace. My co-workers told me to let my credit card company know. 

Citibank is also spam mailing me with loan offers to pay off credit card debt. I have received 2 offers in the month of XX/XX/2018 to take a loan to pay off credit card debt. Citibank seems to be trying to coax me into taking a loan to paying off they debt they are trying to trap me with. 

My co-worker also sent them an email saying I was present at work at the time my card was being used. Citibank is ignoring facts and trying to trick and trap me into paying them money that I never used. 

Citibank OPENLY admits the person who used my phone to call my credit card company failed my security word, didn't know my social security number and even had a totally different voice. It is impossible for a person to use a high limit on a credit card without this information this in itself is a violation of my contract and is a violation of the fair use billing act. Citibank refuses to admit they made a mistake and instead are choosing to say I contradicted myself when I tried my best to explain what happened while I was panicking about {$12000.00} being stolen. Citibank is using my fear and panic of the situation to extort money from me. 

Lastly - my attorney is openly trying to communicate with them and they are refusing to respond to any letters from my attorney or send any information to him. CFPB you need to get this {$100.00} XXXX +organization under control. If these attempted extortion techniques are being used against me I cant imagine how many people they are defrauding using this technique. Please Re-investigate this company do not let them get away with this. 
-XXXX XXXX
Complaint sub-issue: Account information incorrect

I have items on my credit report that I would like to verify the information on. 
Industry Contact XXXX XXXX  XXXX XX/XX/XXXX XXXX Bank Credit Cards XXXX FC XX/XX/XXXX XXXX Credit Unions XXXX XXXX XX/XX/XXXX XXXX Credit Unions XXXX XXXX XXXX XX/XX/XXXX XXXX Credit Bureaus XXXX Hard XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Mortgage Reporters XXXX XX/XX/XXXX Equifax Miscellaneous Replg. Agencies XXXX Hard XX/XX/XXXX XXXX Banks XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Other Than Personal XXXX Hard XX/XX/XXXX XXXX Banks XXXX Hard XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Mortgage Reporters XXXX XX/XX/XXXX Equifax Miscellaneous Replg. Agencies XXXX XXXX XX/XX/XXXX Equifax Miscellaneous Replg. Agencies XXXX XXXX XXXX  XX/XX/XXXX XXXX Mortgage Companies XXXX XXXX Hard XX/XX/XXXX XXXX XXXX Other Than Personal
Complaint sub-issue: Debt is not mine

i, let my family member get service with XXXX several years ago. they ran up a bill .i did n't know until collection agency sent letter .after the second XXXX i payed a settlement. now the third XXXX wants more money.
Complaint sub-issue: Account status incorrect

Fedloan is reporting inaccurate late payments. These late payments have done tremendous harm to my ability to buy a new home. I am terrible distraught. The accounts are : FED LOAN SERV. Account Number : XXXX. FEDLOAN Account Number : XXXX These erroneous errors are in violation of 15 usc 1681a ( 2 ) ( A ) Transactional history should excluded from my consumer report.

15 usc 1666 ( 2 ) ( B ) These alleged late payments are due to billing errors
Complaint sub-issue: Information belongs to someone else

checking my credit report I've seen a lot of invalid information listed on my report. I am intrested in disputing all incorrect information to help clear my file.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

Behind on a payment that is now 22 days late.. since Monday XX/XX/2021 I have received 27 calls. I called months ago about help with this balance and credit card that was accumulated over the period of the pandemic as my job suffered greatly not being able to travel and companies not wanting to spend money for fire life safety. They told me on the phone when I called customer service, there was nothing they could do to help!. They had no programs or anything, then asked if there was anything else they could assist me with. Thats why I am very dissatisfied with this company.As soon as I can pay this credit card off, I will be canceling this XXXX card and never doing business with Citi again XXXX 

When I did answer a phone call from Citi bank, it immediately hung up. They called again and I answered, it just hung up. Looking/listening to the voicemail, it was an automated phone service. This is why I feel Citi bank is violating the harassment/abuse federal laws.
Complaint sub-issue: Information is not mine

Equifax is reporting inaccurate information on my credit report. They are reporting a charge-off account from XXXX when i never had a XXXX account. By the FCRA unless they provide me supporting documentation with my wet signature they must delete the charge-off account from my credit report.Failure to do so will result in a lawsuit against both the creditor ad the credit bureau 's. I have sent documentation to my attorney also.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have tradelines not showing up on 2 credit bureaus. All three bureaus are not showing open accounts and it makes it difficult to run an accurate credit pull for lenders because it does not show my full credit report. 

Attached are the accounts that are not reporting to all three bureaus as well as my personal information
Complaint sub-issue: Frequent or repeated calls

Macy 's and affiliate collection agency has called 120 times over a 20 day period.
Complaint sub-issue: Account information incorrect

Account balances with Nelnet were reduced to XXXX due to the government and the class action on schools who defrauded customers. They have partially removed some of the balances however they still are showing 2 accounts with balances that should be XXXX. I have attempted to contact them multiple times to only get a run around. I have also prior to the Load discharge, had filed bankruptcy which the loans were listed, they also refused to acknowledge this.