Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Company closed your account

On XX/XX/2022 I scheduled my regular monthly payment with Discover, my due is the XXXX but I pay early. I have been a card user nearly a year and Ive never missed a payment or have any issues with my account. After being notified that my banking account had been compromised, I gave Discover a call immediately ( XX/XX/2022 ) to submit a new payment and cancel the the previous transaction. I was told that the payment had been successful and that my balance was {$0.00}, and there was no need to submit additional payments. On ( XX/XX/2022 ) after closing out my bank account I noticed that Discover returned my payment. I called them immediately and was told I can just submit another payment and that it wouldnt adversely affect my account. During the call with the Discover, I disclosed that I was a XXXX veteran and that this was a XXXX situation. The representative guaranteed me that my account was in good standing and I shouldnt worry. Discover accepted and posted my payment ( XX/XX/2022 ). On XX/XX/2022 I received a bot call from what I assumed was a scam caller, the bot said my Discover account had been suspended and to check my email and sign a document for income verification. I immediately called Discover and was transferred to the verification department. The representatives were extremely unprofessional and rude and refused to explain to me why my account had been subjected to this request. After being transferred back and forth I was finally able to speak with someone who informed me that the request came from an outside party and that Discover legally had to verify my income. They wouldnt disclose who this other party was but stated that I could submit 3 bank statements and a notarized letter and submit it to them, since I dont have taxable income. I truly believe that Discover targeted me and discriminated against me because of my XXXX. Ive never experienced any problems with Discover until I disclosed my health/ income information with them.
Complaint sub-issue: Account status incorrect

I filed a complaint with the CFPB to get validation for XXXX XXXX. The company stated that they were unable to validate my account. see attachment
Complaint sub-issue: Personal information incorrect

Since XXXX, I have sent several requests to Equifax to correct my date of birth on my credit report. In XX/XX/XXXX, I sent them a copy of my birth certificate to correct my date of birth on my credit report.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # 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. 
The following Accounts : Loan Account Holder : XXXX XXXX  XXXX XXXX Loan Account number : XXXX Balance amount : {$14000.00} Payment amount : {$590.00}
Complaint sub-issue: Information belongs to someone else

I have previously identified this XXXX account as identity theft and submitted the necessary documentation for it to be removed according to 15 U.S. Code section 1681c-2. Today I received a piece of mail from the company without my consent to obtain mail at this address and they do not even have the address correct. This is a further violation of my rights to privacy as a consumer.
Complaint sub-issue: Contacted me after I asked not to

appreciateI received a letter from Jefferson Capital regarding an old debt that they bought. I contacted them to pay it off. I was told they did not accept debit cards and needed my bank account information. I am not comfortable with giving out my bank account number. That was last week and since then they call my work phone ( I mistakenly called from my desk phone ) 5-10 times a day. I have spoken with several people to tell them not to call my work line. One particular rude representative talks over me, keeps repeating the same thing over and over until I have to hang up on him. There is no need for it. I called them to resolve the debt. It is not my problem that they do n't have good business practices and ca n't accept card payments on the phone or on line. I will mail my payment because I want to clear this up - hence the reason I called them last week. But I do n't appreciate the harassment at work after telling them several times ( sometimes multiple times on one call ) not to call my work phone number.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been trying to contact Equifax about the fraud accounts on my report and no one will help me. They keep adding things on my credit report that is fraud and I am a victim of identity theft. They have removed somethings but then they add it right back. I also sent in several police reports and they are still not blocking the accounts that are fraud. They are violating the fcra and me as well. I am a victim of the data breach as well as identity theft that was also sent to the hackers and they keep wanting me to send more of my personal information to them so that the hackers can keep stealing my information. I just want them to block the fraud accounts that are on my police report and they are not doing what is required by law. I need this resolved imediately.
Complaint sub-issue: Information belongs to someone else

MY CREDIT FILE WAS COMPLEMIZED BY SOME ONE I DONT KNOW RESULTING IN SEVERAL DELIQUENT DEBTS REPORTED TO MY CREDIT REPORTS. I HAVE REPORT TO THE POLICE NOTHING WAS DONE, I AM REPORT HERE IN HOPE OF CLEANING THOSE ACCOUNTS FROM MY NAME CREDIT FILE.
Complaint sub-issue: Problem with customer service

FedLoan Servicing Center has reported incorrect information on my ( XXXX ) credit report. I have been unable to reach them to clear it up because the number they have listed/provided ( XXXX ) is not a working number. It immediately disconnects after the first ring. 

FedLoan recently discontinued handling federal student loans & transferred all their accounts to other lenders ( XXXX & XXXX ). My loans were transferred to XXXX. However, an error ( obviously ) occurred in the transfer. My ( FedLoan ) loans were in an IDR ( Income Driven Repayment ) Plan, with {$0.00} past due & a {$0.00} balance due at the time of the transfer. 

Note : FedLoan Company is not out of business, they are just no longer a student loan company. Therefore, they should still be contactable. 

I have a credit dispute that I have been attempting to clear up and resolve but can not reach them. 

Though XXXX Credit Bureau shows my FedLoan account at a {$0.00} balance, it is still showing up as a delinquent status. I was denied a loan ( from another lender company ) because of this inaccurate reporting on my credit report. This is keeping me from ( re ) starting school ( in XXXX days ). 

Please see that FedLoan corrects this ( delinquent status ) error immediately. 

Please contact me asap at XXXX. 

Thank you, XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

Victim Fraud Assistance Department, Equifax Breach Victim I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove closed account information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to XXXX, Equifax  and XXXX  as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to XXXX, Equifax and XXXX. Please stop reporting this fraudulent information and delete these items attached to my complaint as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home.
Complaint sub-issue: Transaction was not authorized

I had fraud on my account and Citibank and they refuse to help and credit my account. They are giving me the me the run around. I have tried to fix this problem with them and they are treating me as a criminal when I am the victim of fraud. The following are the transaction dates and amounts : Transaction Date Amount XX/XX/2021 {$99.00} XX/XX/2021 {$84.00} XX/XX/2021 {$49.00} XX/XX/2021 {$46.00} XX/XX/2021 {$99.00} XX/XX/2021 {$74.00} XX/XX/2021 {$170.00} I have attempted to resolve this issue three times and they refused to help. Very upset with this bank and how they are treating their customers.
Complaint sub-issue: Can't temporarily postpone payments

I started an XXXX degree at XXXX XXXX College was advised tuition would be XXXX well XXXX were covered by federal student loans. Then they proceeded with stating i can pay XXXX cash up front or i can take out a personal loan through them. Well i started school in XXXX 2015 got the personal loan ( so they claimed ) through tuition options well little did they explain or let me know this company was an accounting type service for the college and that they would be receiving all payments made to this company. My payments during school was {$200.00} a month. Well 5 months in XXXX XXXX 2015 we as students received an EMAIL from the school 's CEO stating the school would close it 's doors as of that day with no notice or warning at all. I paid them {$1000.00} since i started school out of pocket. I have not completed my education as i was promised when i signed up with the school. This company has failed their contract between the students and them. We do n't know if we can get a loan forgiveness or if our credits will even transfer to other schools. When contacting tuition options they do not have answers for students.
Complaint sub-issue: Other problem getting your report or credit score

As I started to apply for a house on XX/XX/2020 the leasing company that was doing a credit check on me only uses Equifax. To my knowledge I had a credit report with them ( having a credit history of over 7 years ) but Equifax did not have a file on me. Where as XXXX and XXXX both had credit files on me. I have tried to remedy the problem for nearly a month now having sent them a fax containing my social security card, valid drivers license and the cover letter pertaining to the issues I was having. I have called everyday since and have gotten no help. The only thing that Equifax says is to resend the fax and to mail them the documents again. My credit card company XXXX XXXX assured me that they have been reporting to all 3 credit bureaus for the past 7 years. My main issue is that Equifax should already have a file on me and they do not and they are refusing to remedy the issue in a timely manner when I do not have the time due to the fact that my current lease is about to be up and I need their credit report on me to get this house
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing this letter in regards to my account listed above which has been closed for the last 7 months and wanted you to please review and see if it is possible to remove my final payment as a late payment. I understand that i was at fault and am asking you to please review my account as i was in good standing throughout the term of this loan process. I know i made a mistake and processed my final payment a few day after the required date but this was an honest mistake as i was paying early on my loan and thought i had time to pay. I tried to pay early and more than what was expected each month to bring my payments down as well. I was wrong and need you to please consider removing my final payment as a late payment. I hope that you would understand and try to help me out as i am really desperate and need your assistance. 
Thanks in advance for you help
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXXBalance : {$0.00} ; XXXX  XXXXXXXXBalance : {$1100.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX Balance : XXXX ; XXXX XXXX XXXX XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$89.00} ; XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$2100.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

I have me several attends to remind you of your duty pursuant 15 USC 1681. It appears that youre intentionally and willing being neglectful in remedying my affairs. 15 USD 1681e ( b ) assures that I'm due, promised accuracy in my report base in federal law. I am making this call as another attempt to have these errors connected on my credit report. 15 USD 1681i ( A.5 ) says all unverified information mist be promptly removed. This infomation was update without proof of wet signtures, eoscar permission or any documentation. 


In according with the Fair Credit Responding Act the following companies has violated 15 U. S. C 1681 A. Section 602 1 : States I have the right to privacy 15 U. S. C 1681 A. Section 602 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX account XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX  account XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXXXXXX XXXX XXXX account XXXX Equifax account XXXX XXXXXXXX XXXX XXXXXXXX account XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX account XXXX Equifax account XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX Equifax account XXXX XXXX XXXX following inquiries XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following unauthorized inquiries are being reported on my credit reports : 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: Their investigation did not fix an error on your report

I have a loan with XXXX XXXX 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, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2016.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX Opened XX/XX/XXXX - {$1000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - {$2700.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX - {$1600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$460.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THE ABOVE CREDITORS HAVE BEEN CONTACTED ABOUT ACCOUNTS THAT DO NOT BELONG TO ME/BILL WAS COVERED BY INSURANCE. THEY HAVE NOT REACHED OUT TO ME TO RESOLVE THE ISSUES OF FALSE COLLECTIONS ON MY CREDIT REPORT.
Complaint sub-issue: Investigation took more than 30 days

XX/XX/2020 Ive mailed dispute to the credit bureaus certified XX/XX/2020 Ion  day 43 days XX/XX/XXXX I mailed out second dispute letter for removal due to no response the deletion process should have been 15 days it is now 15 days and accounts still reporting.
Complaint sub-issue: Information belongs to someone else

XXXX, Equifax and XXXX are listing information in my report that is not mine. I have previously disputed this, but nothing was fixed and removed. I filed an Identity Theft Report with the FTC for the accounts listed below, and inquiries listed below, and want these erroneous accounts removed asap please due to the harm it is causing my credit reports and score and financial well being. 

Erroneous accounts needing to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Inquires needing to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX Info that needs to be deleted : Address XXXX XXXX XXXX XXXX, XXXX, UT XXXX
Complaint sub-issue: Information belongs to someone else

These bankruptcy accounts are obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested numerous amounts of times! So how did your properly verify this, if all this is wrong? I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset # XXXX # XXXX XXXX # XXXX Accounts are included in these bankruptcies as well XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX / XXXX - XXXX Closing dates are XX/XX/2020 so how is that even right why is it still there!.
Complaint sub-issue: Their investigation did not fix an error on your report

this is the 2nd time that I have had to send this complaint in. I am a victim of identity theft, the account on my credit report are not mine
Complaint sub-issue: Reporting company used your report improperly

In Accordance with Fair Credit Reporting Act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXXXXXX 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 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.