Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I have attached documentation from the US Government Bankruptcy reporting system ( XXXX  ) to support my request for removal. The law states that credit reporting companies may not report a bankruptcy case on a person 's credit report after XXXX years from the date the bankruptcy case is filed or discharged. See 15 U.S.C. 1681c The date listed on the court document states initial filing date of XX/XX/2011 case # XXXX I have requested this to be removed, providing all documentation 3 separate occasions and they still have not removed it.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX XXXX I mailed XXXX XXXX XXXX a cease and desist, affidavit of response and notifide bill of particulars and they received them on XXXX XXXX according to tracking number XXXX. I demanded XXXX XXXX XXXX to clear out my debt to XXXX dollars to the XXXX, and Return my down payment of {$5000.00}. I gave them 30 days to respond to my cease and desist and to pay in full and have not received a response.

31 U.S. Code 3123 - Payment of obligations and interest on the public debt
Complaint sub-issue: Information is not mine

I have some inquiries on my credit reports that I did not do. I also received a letter from the XXXX turning me down for a car loan.I called and they stated it was nothing they could do they got the info from a place called XXXX ( this is XXXX of the inquiries on my report ) I disputed this with equifax and they stated it was valid I dont understand how. Please help me I need assistance, i did not apply for a car loan I have a vehicle I just obtained in XXXX 2014. I also tried to put an alert on and for some reason I always get an error online or when i call it states i can not do it by phone.
Complaint sub-issue: Their investigation did not fix an error on your report

If you look back I have filed numerous complaints about the same issue. They just closed the recent one and always respond they will resolve the issue. Then respond they will respond within 60 days. They are constantly violating the FCRA law. I suppose to have a resolution within 30 days. I have been requesting method of verification since XXXX for XXXX XXXX. They even deleted it off my report and then added it back 6 days later and never sent any method or proof of verification. I have attached the prrof they deleted and added it back.
Complaint sub-issue: Problem with fees

I obtained a credit card through a company named first progress. It was a secured card that I initially put XXXX of my own money on. I only made a few purchase totaling XXXX something odd dollars. I begin to read how people were having issues making payments and they would be charged late fees, so I decided to cancel my account within a month of having the card. After a few hours I managed to get a hold of someone from customer service and he basically said that I wouldnt owe anything since it was a secured card with my own money on it. This was back in XXXX of 2021.fast forward to XXXX of 2021 I begin to notice that I was getting late fees affecting my credit rating. Turns out they were still charging me late fees for a card that I canceled. Now there saying that Ive accumulated XXXX dollars worth of late fee and that I didnt cancel my account until XXXX of 2021. Which is a flat out lie. I need help please I dont have any one else to turn to. They also keep updating on my credit report as if Im still using the card.
Complaint sub-issue: Problem with balance transfer

I started a balance transfer online with Citi on XX/XX/XXXX for the amount of {$1500.00}. The money was supposed to be transferred to my XXXX XXXX XXXX XXXX XXXX card. However the transfer never completed to my XXXX XXXX card. when I reached out to Citi on XX/XX/XXXX they opened a dispute and credited the transfer back to my account. But on XX/XX/XXXX they reversed the credit and put the balance transfer back on my account and closed the dispute. The money was still not on my XXXXXXXX XXXX On XX/XX/XXXX I opened another dispute and the amount was credited to my account but on XX/XX/XXXX the reversed the credit again and closed my dispute. The money was still not on my XXXXXXXX XXXX  account. I had called multiple times after that talking to multiple departments trying to resolve the problem and find out where the money went. Also calling the bank the money was supposed to be transferred to multiple times. Citi kept giving m a confirmation letter with a customer iD and trace ID but the transfer said it went to XXXX XXXX XXXX. Multiple time we checked to credit card number to make sure they matched and the did. No one could tell me how to reach XXXX XXXX XXXX, I tried multiple times to find different numbers on the internet and no one could help me at XXXX because I didn't have an account there. 
I have reached out to Citi several times since but I have no resolution and lots of frustration and I am still missing {$1500.00}. I am already repaying that amount to Citi and still it was not credited to my XXXX XXXX card. The last several times I have reached out to Citi the would not open another dispute and said there was nothing they could do. I do not understand how they can send money somewhere that the transaction was never completed, but they couldn't just cancel the transaction. Which I asked multiple times to just cancel the balance transfer since it did not reach the destination. They still said there was nothing they could do.
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXXXXXX I spoke to XXXX from the XXXX card XXXX office. She confirmed receipt of my complaint from the consumer financial protection Bureau. I explained that in XX/XX/XXXX, I made a payment through the XXXX  app and upon going into the bank the following month I was informed my payment was 30 days late. I explained to my banker at that time that I made the payment. We immediately called XXXX and they explained that they were experiencing issues with the app. I requested the late payment be removed. XXXX refused. Thereafter, I have repeatedly contacted XXXX to remove the reported late payment, unfortunately, to no avail. 
On XXXX XXXX, XXXX explained that XXXX does not have a late payment in their system for my account and advised me to resend the complaint with pictures. I am doing that now in order to fix the inaccurate credit reporting by XXXX in accordance with the Fair Credit Reporting act 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 purpose.
Complaint sub-issue: Trouble with how payments are being handled

Fed Loan Servicing has continuously under counted my qualifying PSLF payments. I have 103 payments, but Fed Loan has miscounted my qualifying payments as 68. They have failed to update my payments despite supporting paperwork and evidence submitted by me. I ask that they and the Department of Education please update the payments by the end of XXXX.
Complaint sub-issue: Was not notified of investigation status or results

Pursuant to 15 USC 1681 section 602 of the Fair Credit Reporting Act, Congress made it clear that it requires consumer reporting agencies to exercise their grave responsibilities and adopt reasonable procedures in which is fair and equitable to the consumer. Ive sent certified letters to Equifax ( tracking # XXXX ), XXXX ( tracking # XXXX ) and XXXX ( tracking # XXXX ) in which it was received on XX/XX/22 ( Equifax ), XX/XX/22 ( XXXX ) and XX/XX/22 ( XXXX ) requesting the method of verification used to determine that these accounts were verified. Pursuant to 15 USC 1681i ( a ) ( 7 ) section 611 of the Fair Credit Reporting Act, it has been WELL OVER 15 DAYS allow by federal law and I havent received their method of verification. It appears to be evident that these accounts were not investigated, therefore their method of verification cant be provided to me as requested!
Complaint sub-issue: Public record

Escallate LLC ( phone number XXXX ) failed to file proper health insurance claims and went ahead without informing me to file a collection on my credit. They ruined my credit, now I have been denied a refinance mortgage.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hi CFPB, On our around XXXX I applied for a Discover Credit Card. In XX/XX/2021, I experienced fraud on my XXXX & Discover accounts. My accounts were compromised, specifically my XXXX phone number was forwarded by the scammer through XXXX Customer Service & my discover card was charged even though card was in the mail or in my possession. 

During the claims process, I advised Discover that my phone number was compromised, that I did not set up a pin via phone on XX/XX/XXXX, that I was out of town on XX/XX/XXXX, & that these charges were fraudulent. Additionally, in a signed affidavit I explained that my phone number was compromised & that the charges were unauthorized. XXXX the Supervisor said I am currently responsible to make these payments as their investigation found that I was the one who made these charges. 

Discover Credit Cards has reversed the unauthorized charge temporary credit, and held me responsible for the $ XXXX in fraudulent charges. Please have someone help me as Discover has not honored their identity theft / fraud protection program which I expected to cover me. I can not afford {$1400.00} in charges so please help.
Complaint sub-issue: Unexpected increase in interest rate

Discover card increased my interest rate in my latest statement by .25 %. They have done this 3 times in the last 18 months. In XX/XX/2018 I closed my account with a balance so the increases would stop.

I did ask them to reduce the interest rate before closing the account but was denied.

Can they keep increasing on a closed account?
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hello, here are the facts on the purchase where merchandise was never received. 

1. I placed an order for XXXX XXXX XXXX on XX/XX/2019 from XXXX to be shipped to my billing address in XXXX, TX. The purchase price was XXXX + XXXX for shipping 2. I paid for this purchase through XXXX credit card processing with a link on XXXX to complete the check-out. The XXXX receipt listed the shipping address again in XXXX, TX. 
3. On XX/XX/XXXX, XXXX sent a shipment notification with USPS tracking number XXXX. When I went to USPS site to track it, the package was sent to XXXX, OR and not XXXX, TX. 
4. I never received the scanner. Tracking number shows a shipment sent to XXXX, OR 5. Citibank has resolved the claim in favor of the merchant on 4 separate occasions. 
( 1 ) Item was delivered by USPS to XXXX verified address - NOT TRUE, XXXX lied in response to Citi ; ( 2 ) merchant must agree to refund amount in question - MERCHANT CONTACT GOES UNANSWERED ; ( 3 ) merchandise description not provided - NOT TRUE, already provided receipt showing merchandise description ; ( 4 ) must provide a valid credit slip - no idea what else I could provide since I provided the following documentation with the dispute - receipt from merchant, receipt from XXXX for payment processed, shipment notification from XXXX, usps tracking confirmation showing it was shipped to OR and not TX.
Complaint sub-issue: Account information incorrect

In XX/XX/2020 Jefferson Capital Systems added a derogatory mark on my credit report. Thi account was originally a medical bill which was paid by my insurance prior to the creditor selling it to a collection account. I am no longer responsible for the account. I have had many unsuccessful disputes with the credit bureaus in reference to this fraudulent account. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt. According to the FCRA, Jefferson Capital Systems has violated my rights as a consumer And Im requesting legal action to remove this account immediately.
Complaint sub-issue: Reporting company used your report improperly

Good afternoon CFPB I wish it didn't come to this I took the liberty of trying to fix the issue with LexisNexis Customer Center first before turning to the CFPB for help even though I have no formal agreement with them. 

On XX/XX/2022, I submitted a formal letter to LexisNexis Customer Center via certified mail the number is XXXX XXXX XXXX XXXX XXXX. 

In this letter I requested all original documentation and proof of my express written consent to Lexisnexis giving permission to share with non affiliated 3rd parties. Further I notified Lexisnexis my desire to opt out from my personal information reporting, in accordance with the Gramm Leach Bliley Act. 

On XX/XX/2022, it was confirmed that someone had been picked up at the post office on behalf of LexisNexis. As of now, XX/XX/2022, I still haven't heard back from the business. Nor have I received my LexisNexis report that i requested on XX/XX/2022 My financial reputation has been damaged, as a direct and proximate result of the actions by LexisNexis. These actions meet the essential elements of a libel lawsuit. I'm looking to the CFPB for help in getting a response from this company explaining why they are harassing me, violating the GLBA, and not complying with my request.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act DEPT OF ED / XXXX Account # xxxxxxxxxxx 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 purpose
Complaint sub-issue: Delay in processing application

Back in XXXX my Grandma XXXX wanted to buy some appliances, I decided to help her apply for a credit card and she was approved for {$6000.00} with Discover for 0 % which made my Grandma very happy! 

We waited patiently for her card and once arrived, we activated it and then ran into a roadblock, according to my Grandma, Discover had called her and Discover had spoken with an unauthorized representative of my Grandma, who did not approve and thus further delaying her ability to use the card. We believe this triggered them into asking for length details of documents instead of speaking to the real account owner, Discover spoke with someone else and because of their negligence we're held responsible?! I don't think so. 

Then Discover never contacted us requesting for documents for verification, there was NO letter or call of any sort. Discover THEN felt it was okay to cancel my Grandmas account she was approved for? She has a XXXX score with no lates or any baddies, why is she being penalized?! 

We submitted the requested documents even close to where Discover jeopardize my Grandmas health by FORCING her to go to her bank during the COVID-19 Pandemic to get her paper notarized because Discover is incompetent and can't even complete a normal verification method of my Grandma. 

We submitted all her bank documents and the Discover papers over 30 days ago and no response again ... this is what they did last time and blame us!!! 

I've helped my Grandma call XXXX a million times and have provided everything they need yet they continue to neglect us.
Complaint sub-issue: Reporting company used your report improperly

XXXX Bank is violating my consumer rights by reporting inaccurate information to my consumer report without my consent, see attached exhibit
Complaint sub-issue: Debt was result of identity theft

I am writing to request your help with U.S Bank. I dont know what else to do. So I hope to have a fair solution to this issue that US Bank has  cause on my credit score. I tried to solve this with them on XX/XX/XXXX but they did not respond my dispute, and they did not even investigate the account or mark the account as disputer ( violation under the Fair Credit Reporting Act ).

The account I am writing about is the following : FTC REPORT NUMBER : XXXX Account : U S Bank : XXXX Date Opened XX/XX/XXXX Bal {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I requested that a signed document with my handwritten signature be sent to my mailing address to verify my account however the signed document was never sent.
Complaint sub-issue: Information belongs to someone else

Creditor Information XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX  Account opened ( NOT BY ME ) and used twice with no payments made disputed with XXXX and they would not remove because the account was used twice Opened in XXXX  2018 I believe. This is an account I have not opened or authorized to open and I can not even file a second dispute because they have not closed the first one. I has cost me 80 points on my credit score. Can you help please
Complaint sub-issue: Threatened or suggested your credit would be damaged

I personally wrote letters to this company requesting that they validate the debt reported. They have not verified this debt belongs to me after several attemps. Advised that legal action would be taken.
Complaint sub-issue: Public record information inaccurate

I have filed disputes with all 3 Credit reporting agencies XXXX, Equifax and XXXX in regards to a public record bankruptcy ref XXXX. All 3 bureaus keep stating that the bankruptcy was verified and is reporting accurately. I have compared all 3 credit reports and all 3 bureaus are reporting different " filed '' dates. XXXX shows a file date of X/XX/2010, Equifax shows a file date of X/X/2010, and XXXX  shows a file date of X/XX/10. How can they say that they verified the bankruptcy as accurate but yet all of them are reflecting different file dates. Per the FCRA all information contained on a consumer 's credit report must be true and accurate and all 3 agencies have violated my rights under the FCRA by stating that they verified this bankruptcy as accurate when in fact it is not.
Complaint sub-issue: Personal information incorrect

Equifax REFUSES to update my personal information. Equifax has got a long list of addresses attached to my personal information. I have only one address, and that address isn't on their long list. Additionally, Equifax has put identity theft into my credit report, since I have never lived in XXXX, but they insist on keeping a XXXX address on my credit report. I have repeatedly asked and told Equifax to update my personal address and personal information, including removing the fraudulent XXXX address, but they refuse to remove the fake information. Equifax refuses to correct the false information they had put on my credit report. When I try to update the credit report online, I am told that I must call a phone number. When I call their phone number, I am told that I must go online to update the information. When I speak with a person at Equifax, they say I must go online, or they say they will take my message about updating my personal information, or they say I must postal mail paper documents. When I postal mail the paper documents, I repeatedly postal mail museum-quality documents, and after a couple of months, the eventual reply from Equifax is that they are unable to verify my identity. This has been going on for decades. Never in the entire existence of the Equifax company, has Equifax ever able to verify my identity with my brith certificate, my social security card, my driver 's license, my passport landing page, my car registration card, my car insurance card, my voter registration card, my monthly bank statement, or my monthly mobile phone bill statement. The current address that Equifax has on my credit report is at least 15 years old. I have never been able to update my personal information or ever get a copy of my Equifax credit  report. In every way, Equifax is a criminal enterprise with a mission to create chaos, promote fraud, and hinder economic success.
Complaint sub-issue: Information is not mine

stolen license many years ago. changed my name to protect myself, but since 1992 my credit is always wrong, now someone has given fraud using my ssi, and gotten cards, real estate and more.i need to put a stop to this forthwith and prosecute those who are using my info. 
the ssi office do not help.and i was born and raised here.how can your office help make this right?
Complaint sub-issue: Card was charged for something you did not purchase with the card

7 fraudulent charges to my U.S. bank XXXX  credit card between XXXX XXXX totaling approximately {$23000.00} ( 2 different stores ). 

When I noticed the fraudulent charges in XX/XX/2022 I immediately contacted the credit card company to report them. 

I then received a letter from the credit card company dated XX/XX/XXXX acknowledging my complaint and giving notice that the company had given provisional credit for the fraudulent charges. 

With my XXXX statement I noticed that all the fraudulent charges had been returned to my statement. 

I immediately called the fraud department customer service to complain. The representative XXXX said she could not handle the problem, but a case processor named XXXX would call me to follow up. I have not received a call from the processor or any other call or written communication about the fraudulent charges that were restored to my card. I have a confirmation number for my contact with XXXX : XXXX.
Complaint sub-issue: Called before 8am or after 9pm

Debt collector from XXXX called me at XXXX XXXX in my time zone ( mountain time ). No msg was left.
Complaint sub-issue: Information belongs to someone else

I have been trying to get these fraudulent accounts off my off my credit report for some time now. I sent a few mail documents to XXXX, XXXX and Equifax back in XXXX of 2021 and I still haven't seen any updates on my credit report. Every time I check my email, I get alerts stating that my information has been compromised and is on the dark web. When I called the credit bureaus they said I need an FTC report. I have never done business with these companies. I have attached the FTC report along with my Drivers license and social.
Complaint sub-issue: Was not notified of investigation status or results

This is a simple case of me trying to dispute with the credit bureaus, and the bureaus not doing their job, or ignoring me. Back on XX/XX/XXXX, I send disputes to all three credit bureaus as I believe some of the accounts on my report were not reporting correctly. 
I have been waiting patiently since then, and I have not received any investigation results. 
Because of this, I sent the three credit bureaus an additional dispute notice on XX/XX/XXXX, but I have yet to receive any notices or even an acknowledgment that an investigation is taking place. 

I have read the rules on credit bureaus responsibilities under the Fair Credit Reporting Act, and I know the bureaus have violated the law by not even responding to me after 90+ days. All I want is for them to do their job as it is unfair my credit is remaining damaged simply because they won't do their job.