Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

Hello, I ( XXXX XXXX ) was living and working full time in XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. We sold our primary home in XXXX in XXXX. 
Sometime around XXXX Discover issued a credit card to someone using my name and my XXXX yr old address. 
The person maxed out the card in no time and defaulted. Upon my return to states and trying to get a credit card and buy a vehicle we discovered my low XXXX XXXX due default under my name. 
I reached out to discover asking for proof on verification of my ID before issuing the credit card. They will NOT comply. 
I have reached out to all three credit agencies with facts and they are siding with discover. 
Discover has tried to sue me. I reached out to their lawyer with facts but they refuse to talk to me. 
As a result it is becoming a XXXX vs XXXX story. I am unable to live a normal life despite being a ideal law abiding, financially responsible citizen. 
Before I start a lawsuit against discover, I wanted to reach out to you to see if you could assist. 
Happy to provide all facts. Please remember I did not live in United States from XX/XX/XXXX until XX/XX/XXXX and hence had NO utility bill to prove the same. 
This looks like a case of greed from discover and now I am the one paying the price. 
Thank you in advance for all your assistance. 
I can be reached at ( XXXX ) XXXX or XXXX XXXX. XXXX XXXX.
Complaint sub-issue: Problem with rewards from credit card

Citibank sent me an email in the middle of the night informing me that my rewards account had just been linked to XXXX. The emails I received clearly conveyed fraud, so I unlinked the card and called them. They took an exceedingly long time to answer, and when they finally did they told me that they were linking everyone 's cards and not to worry about it. It's incredibly poor practice to scare your customers with midnight changes to their account without even an email to explain that it was automatic and not related to fraud. I'm honestly still not convinced that I'm not the victim of fraud with it. I have had terribly experiences with Citi before, and I think this is the last straw. I will be looking for a new credit card provider soon.
Complaint sub-issue: Talked to a third party about my debt

An individual identifing herself as XXXX XXXX from National Collegiate Trust called my husband, XXXX XXXX, telling him they were calling to collect on a debt in the amount of XXXX from the XX/XX/XXXX-XX/XX/XXXX school year. She told him AES ( American Education Services ) made a significant payment XX/XX/XXXX, but the debt was not paid off in full. 

She then asked him to verify the billing address and told him because he was my spouse she could provide him with this additional information. XXXX is not a co-signer on this loan and the notes are currently held by XXXX ( formally XXXX XXXX ).
Complaint sub-issue: Was not notified of investigation status or results

This complaint is against Equifax reporting agency. I submitted for request of Equifax method of verification for a disputed debt that was verified by Equifax. This request was submitted on XX/XX/XXXX. According to the FCRA section 616, the credit reporting agency has 15 days to supply a consumer with their method of verification for accuracy of a debt. As of XX/XX/XXXX, I have not received any documentation from the above credit reporting agency. 

I am requesting for Equifax credit reporting agency to be investigated for not complying with consumer rights, with providing a consumer with documentation of their company method of verification of a disputed debt. 

The company in which was requested for method of verification is as follow Creditor : XXXX XXXX/ XXXX XXXX XXXX Bank account number XXXX amount {$3500.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX In summary, I have resolved this issue XXXX  as well as XXXX Credit reporting agency . However, Equifax has continued to report this derogatory information in my credit file without providing me with an explanation of their method for verifying any accuracy to alleged debt.
Complaint sub-issue: Reporting company used your report improperly

I mailed a dispute letter to XXXX on XX/XX/21. They have not provided me a response to date. 
Federal Law says they have 30 days to perform an investigation or the information shall be deleted. They have not provided me with a response to my letter yet.

Additionally, FCRA 15 USC 1681a ( d ) ( 2 ) ( B ) states any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device shall be excluded from credit reports.

FCRA 15 USC 1602 states credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit.

My social security card has been used and shall be excluded from my credit report according to the stated laws.

Equifax is also violating my rights to privacy according to FCRA 15 USC 1681 ( a ) ( 4 ) which states the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy I am requesting that this credit reporting agency respect my right to privacy and delete these accounts
Complaint sub-issue: Threatened or suggested your credit would be damaged

I was notified by HUNTER WARFIELD debt collectors out of XXXX FLORIDA that i owe a debt. I denied that i owe a debt and requested evidence of debt. 
They sent me documents with no explanation of what the paperwork represented or how it proved I owe and am responsible for anything they are attempting to collect. I requested if they report this false information to credit bureaus to indicate that i dispute the debt and that is what they did. The credit agencies are refusing to remove the derogatory, false, and unsubstantiated debt HUNTER WARFIELD is attempting to collect. I have no relation to and owe nothing to hunter warfield and they have provided no explanation or evidence that i owe anything. 

Please investigate this company.
Complaint sub-issue: Account status incorrect

We had a series of deaths in our family. This caused some issues paying our bills. I enrolled with XXXX XXXX and let all of my credit card creditors know. They worked out settlments with XXXX  ( XXXX XXXX  ), XXXX XXXX, XXXX XXXX, Home Depot/CBNA, and XXXX XXXX. They are still in the process of working out a settlement with XXXX XXXX. All of theses accounts ( except XXXX XXXX   ) are paid in full according to the agreement ( some are with a legal firm ). In fact once we got caught up I paid the balance of the settlement off early with XXXX XXXX, Home Deport, and XXXX XXXX. Most of these creditors report the accounts incorrectly. For example, most of them are still reporting an " FP '' failed to pay currently even though there is no balance. Most of them are also reporting the status of the account as derogatory or a charge off. Also, they are reporting that I still owe them money and list that amount as past due. I have contested this with each credit bureau ( XXXX XXXX, XXXX, and XXXX  ). All have come back saying the information is correct so I can no longer contest online. I have uploaded the settlement agreements to each bureau also but they changed nothing. I have sent them letters in writing with no response. I have also sent letters to XXXX, XXXX, XXXX XXXX, and HomeDepot. Along with having a full time job we also own an electrical business and are in the process of going for a small business loan. With these inaccuracies it is putting that financing in jeopardy. Credit counseling should be a good thing and if the creditors were more willing you could work out a fair settlement on your own. But when they continue to add multiple fees and interest month it spirals out of control and make it impossible to ever pay back the debt. Attached are a few of the letters I have sent. I can find them all if necessary.
Complaint sub-issue: Can't close your account

My complaint is with CREDIT KARMA MONEY SAVINGS ACCOUNT. This company fraudulently lies to their members and holds the members money by using an outdated federal reserve requirement as the excuse. First they only allow XXXX transfers a month from a savings account and blames it on the federal reserve. Next in order to get your money out of the savings account it states you must close your savings account but before you do that you must link an external bank account so once they close your account the balance will be transferred to the linked external account. They state the balance can not be transferred to your money spend account which is like your credit karma checking account. While linking your external bank account they use a company called plaid to do the linking. First plaid asks you to find your bank in a list of supported banks. In my case it is chime bank which is on the list. Then it asks for you login credentials for your bank account and then it links the two. When linked it states SUCCESS your accounts are linked press continue once pressed it says there is a problem linking and an error message is shown saying try again later. No matter how many times you try you get the same message. Contacted XXXX they said problem is not on their end must be XXXX XXXX. Contacted credit karma and they reply with instructions to try again and they are looking into it. Then they reply again saying that XXXX  is not a supported bank and I explained that plaid stated if your bank is not on their list it's not supported but chime is in their list and the bank account links up then error message. So contact them again and they ask for ne to take screen shots and send them to them and once you do send them all correspondence stops completely. So I call credit karma and tell them that they are wrong for holding people 's money in the savings accounts and wont let them do anything with their money and using false information to back their fraud up and I tell them about the federal reserve requirements being lifted in XXXX of 2020 and demand them to resolve ny issues and the customer service rep tells me she can close my savings account for me and transfer the balance to my credit karma money spend account. I told them they just went against all their policies and said they would do what they said they couldnt do to thousands of members. I have screenshots if all the proof of the chime bank being linked and federal reserve requirement being lifted and the credit karma message saying you are only allowed 6 transfers because the federal reserve only allows that many a month. Doing research on this I have found thousands of consumers on blogs and posts trying to get access to their .money only to be lied and cheated by this company.
Complaint sub-issue: Attempted to collect wrong amount

ON XX/XX/17 Contact both the deb collector and the credit card original account holder none were trying to help me as i was trying to pay out my deb out front, i when to the best buy store to see if i could pay it out there since the agent from the store on the phone could help me. they gave me the dirty look well we cant help you with that you need to contact the deb collector so i did and they gave me the speak well we cant accept no payments since we cant see your account so i toll both location So are you telling em that you cant help me to pay out my deb but yeah you still harassment with phone calls to pay up now that am going to pay none of both party 's cant seem to find my account or help me out. so the question i toll both company 's i dint own anything if you both cant help me in this situation? there answer was no sorry have a nice day. i was shock but at the same time interested a company that call me none stop demanding there money now they dint want it so i guest i dint own anything? 
hope someone cant get a clear picture my next step is to take it legal as they at the beginning did try to treated me by sending me to court and some posting as lawyers for the company they work for ... 

the company is best buy and deb collector are call XXXX XXXX XXXX XXXX there account CITIBANK , N.A . / BEST BUY account the amount balanced $ {$2500.00}
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States 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: Information belongs to someone else

I applied for a job at XXXX XXXX. XXXX did a credit report on me and used Equifax. Well, they might deny me for employment at XXXX for my credit report. In my credit report it says I worked at XXXX XXXX XXXX, XXXX XXXX and XXXX I have never applied to XXXX XXXX and never worked at XXXX or XXXXXXXX XXXX. I have tried to call Equifax many times, and it seems I don't get the questions correct. I have never had a mortgage or department credit cards. I need help, please.. 

Thank you, XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, the following accounts has violated my rights. 

Dept of ED Acct # XXXXXXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX 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 am a victim of identity theft. I have a police report on file with Equifax in regards to these 2 accounts and being a victim of identity theft for over 10 years. The following accounts are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX XXXX, XXXX, XX/XX/2018, XXXX XXXX XXXX, XXXX, XX/XX/2018
Complaint sub-issue: Account status incorrect

I got a personal loan from XXXX XXXX. I made arrangements to have the very high interest on the changed through a Debt Consoldation Company. The original interest was around 120 %. They agreed to remove the high interest and take a lower monthly payment. The original amount that was due was over {$12000.00} for a {$2600.00} loan. The new payment amount is {$180.00} and the interest was taken off the loan. In XX/XX/XXXX they made a report to XXXX that now states on my credit report that it is Charged off. I have never been late with any payments. Also I am XXXX on XXXX. I am on a return to work program. I bought anolder car last year on Credit through XXXX XXXX a car loan company who gives high risk and high interest loans to people ON XXXX. my credit was very low when I got this loan. But after a year of paying all my creditors right on time my my credit has gone up substantially. In order for me to continue the Return to work program I will need to buy a new car. I started working as a XXXX for XXXX last year in XX/XX/XXXX. But because of the charge Off added to my XXXX credit report by XXXX XXXX, I am unable to buy a new.car in order to continue my job with XXXX. So now because of the charge off I can not get a new car. So I will lose my job on XXXX XXXX of XXXX because my car is much to old now.
Complaint sub-issue: Didn't receive services that were advertised

I have filed a complaint XX/XX/2022 for identity theft and improper use of reporting credit with Consumer Financial Protection Bureau. I understand that XXXX, XXXX and Equifax assumed a vital role in assemble information on me as a federal protected consumer. XXXX, XXXX and Equifax is impeding the banking system. XXXX, XXXX, Equifax is not invested in ensuring that my credit report is fair and accurate 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). You ( XXXX, XXXX and Equifax ) are impairing the efficiency of the bank system. I have lost confidence in the system because the system is not vested in ensuring accurate consumer reporting. I didn't give permission to report the following information which puts you ( XXXX, XXXX and Equifax ) in violations. I didn't give you permission to report late payments, charged offs, inquiries, bankruptcy, etc. Please remove these items immediately not later than 4 business days 1681 ( c ) ( 2 ). I never gave consent to XXXX XXXX verification. Agency is not suppose to rely on the information provided by the furnisher of that item when doing an investigation. They have to do a independent investigation of the information being reported. They suppose to conduct personal interviews. They must notify me who they're going to contact to conduct these interviews 15 USC 1692 ( b ). 15 USC 1611- Criminal liability for willful and knowing violation. XXXX has cause intentional infliction of emotional distress, invasion of my privacy, fraud, negligence, breach of duty and conversion ( use of information without permission ). I will like to sue for compensatory damages, punitive damages, injunctive relief and emotional damages.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit act XXXX  Account # XXXX, XXXX XXXX , has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$830.00} ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX- XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Frequent or repeated calls

XXXX continues to call my place of business over XXXX times a day. I have asked them to stop, my attorney has sent them a letter, but they continue to call. They use obscene language and said they will continue to harass me until I send them {$500.00}. I had a payday loan that was declared in a bankruptcy 2 years ago. This was also explained to them.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Equifax credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Complaint sub-issue: Public record

Equifax continues to report a Chapter XXXX bankruptcy which was filed XXXX/XXXX/2007, which has been 8 years and 7 months since filing. In addition because there was zero secured mortgage, zero secured debt, I requested that the Ch. XXXX Bankruptcy be dismissed. There was no material or substantial reason to stay in the plan. Both XXXX and XXXX have honored the 7 year reporting standard for Ch. XXXX Bankruptcies, while Equifax has continued to allow this information to be reported causing further harm for employment and housing. On Friday, XXXX XXXX, I was denied a mortgage for a VA loan in spite of the fact that I have primarily student loan debt, little to no credit card, department store or personal loan debt. Debt to Income ratios were all at or above industry standards. XXXX Home Mortgage cited the Ch. XXXX Bankruptcy as XXXX of the reasons for the denial. My credit scores were XXXX Equifax , XXXX XXXX, and XXXX XXXX. As XXXX XXXX XXXX XXXX XXXX Veteran, I believe my wife and XXXX daughters deserve a home rather than paying {$1100.00} rent for an apartment. Please advise as your assistance is greatly appreciated.
Complaint sub-issue: Information belongs to someone else

These are not my accounts. Please remove them. Not sure who's they are.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

The account had two pending promotional offers in XX/XX/2020. 
The promotion with the higher balance ( {$890.00} ) was set to expire in XX/XX/2020. 
The promotion with the lower balance ( {$500.00} ) is set to expire in XX/XX/2020. 
All payments made prior to XX/XX/2020 were applied to the promotion with the lower balance and later expiration date instead of the promotion expiring soonest. 
We contacted Best Buy/ Citi credit card to find out why this occurred and was told they would apply past payments to the higher balance with the sooner expiration date. 

At the end of the statement cycle in XX/XX/2020, the balance subject to interest was {$0.00}. 
At the end of the statement cycle in XX/XX/2020, the balance subject to interest reflected {$370.00}. The prior statement balance was {$570.00}. The new balance was now {$1200.00}. Interest has been applied each month starting in XX/XX/2020. 

We have contacted Best Buy/ Citi credit card on 4 separate occasions about this and there still there has not been a fair resolution. To date, only {$28.00} in interest has been credited to the account. Best Buy/ Citi credit card alleges there have been purchases that equal the {$370.00} that magically appeared on the XX/XX/2020 statement. The only purchase amounts subject to interest are a {$3.00} purchase in XX/XX/2020, {$54.00} in XX/XX/2020, and a {$40.00} balance transfer fee in XX/XX/2020. 

The balance at the end of XX/XX/2020 reflected {$940.00} and higher, grossly overstated balances have been reported to the credit bureaus over the past couple of months. 

The current balance should be well below the remaining promotional balance of {$500.00}. 

Please correct this before the next promotion balance is set to expire in XX/XX/2020.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX Dear CFPB, In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and 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 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 
I didn't give permission to these accounts to publish my information to XXXX, XXXX and Equifax. 

The accounts are below : XXXX XXXX XXXX Account number : XXXX XXXX XXXX : Account number : XXXX Account number : XXXX XXXX XXXX : Account number : XXXX Thank you,