Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Tried working with Discover who have been all too happy to destroy my perfect credit score due to their oversight. The original email that I sent to Discover 10 days ago is below : Hello, Still am shaken up. My credit has been perfect and I have never had a delinquent payment ver since having my first credit card. We never received statements from Discover regarding the delinquency. Also, the email that they have on file for me for the old account is a very old email address that is no longer used. The numbers that they tried me on are also old and not in use ( one of the numbers was from when I lived in XXXX / XXXX ) My mortgage broker just called my wife and I to say that Discover had reported us delinquent over {$93.00}. After doing some digging, it looks like Discover reactivated an old account ( which we had closed out ) from XX/XX/XXXX. They did this by sending us a new credit card for the old account. Up until this point, we had one account with Discover from XX/XX/XXXX. This account was set up with automatic payments to pay off the balance in full every month. The new card that we received from Discover was assumed to be a replacement card for the XX/XX/XXXX account ( not a reactivated card from an old account we never asked for the reactivation ). We had simply assumed the new card was for the one account that we were aware of and, all of our payments were being automatically paid off. My wife and I are scheduled to close on a new house. The mortgage broker ran our report and noticed that we had a XXXX point ding for a delinquent payment that we were unaware of My wife, XXXX kids and I will not have a home to live in if we can not get this mistake reversed on our credit report. As soon as I found out about the delinquent balance ( today ) I paid it off. Also, my credit report shows that over the past 15+ years ( the moment that I started using credit cards ), I had never been delinquent on a payment and have a perfect payment history on my debts. I work as a XXXX XXXX for XXXX XXXX XXXX and maintaining perfect credit is essential in my business. So in addition to preventing me getting a house, this oversight ( Discover reactivating an old account and then being unable to contact me about payments ) will also have ramifications for my career if it is not fixed. Please help me as there will be a negative domino effect. The folks at Discover can check my credit reports to see that this is the only instance in my credit history where I have had a late payment and, I never spoke to anyone at Discover prior to the delinquency being reported that gave me the heads up about this. Thank you Discovered noted and would not acknowledgement that statement may have not received by me. There is an article by XXXX XXXX news that there is a mail delivery problem in the town I live in. Common sense could be applied that something could have happened with someone that has 17 years of not being late.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently bought a vehicle, and I have received a couple of denial letters, from companies the dealer tried to use as loan options. I had a previous loan with XXXX, but received a denial letter for this particular vehicle. I found it strange, but as I looked into it further, I noticed my credit score was obtained from 3 different companies. XXXX, XXXX, and XXXX XXXX. I have only heard of two of the three companies, and two of the three companies have my credit score as XXXX or above, but XXXX does not. They have me at XXXX. I found this odd, and started researching a bit more into this company. This is where you come in. Many people have been filing complaints about this place and I feel it is only necessary I file one as well. I have not had any direct complication with this company, as I have never heard of them before. However, they are obviously affecting people like me in a negative way. I refuse to just sit by, and let unknown companies have any effect on something I have worked VERY hard at. Credit is not easy to obtain and maintain, and something like this shouldn't be taken lightly.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022, I submitted several complaints : XXXX with XXXX ; XXXX with XXXX and XXXX with XXXX. It has been over the 30 days allotted time that the FCRA gives to complete an investigation. 

All 3 of the mentioned consumer reporting agencies have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ). And have violated my privacy based on 15 U.S. Code 6801.
Complaint sub-issue: Information belongs to someone else

Hello, Good Afternoon, When reviewing my credit report, I saw that an installment loan was Opened up in my name XXXX XXXX. I then decided to call the company MoneyLion , Inc To get this taken care of because I have been a victim of identity theft. Before I could state the case, the guy on the phone accused me of opening the account because payments were made to the account. I was explaining to the guy that wasn't by me, and I didn't authorize anything. I then provided him with a police report by the XXXX Police, an ID theft Affidavit, proof of identity, an FTC report, and a dispute letter to the company. I sent all the documents to fraud@moneylion.com. He then proceeded to send me an agreement that I didn't authorize, then after all the documents I provided, he said that the account belonged to me.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below, continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX 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.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I received my credit report and saw Hard Inquiries that I did not approve or authorize report to my credit I contacted the credit bureaus and the creditor of this matter, I would like these hard Inquiries removed from my credit I sent letters, and No one did any investigation 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 ATTCHED IS A FTC REPORT WITH ALL HARD INQUIRIES
Complaint sub-issue: Account status

I have tried several times to get Citibank to correct the errors in how they are reporting my mortgage. This loan was forgiven XX/XX/XXXX when the house was short sold. Yet they keep reporting several delq. as recent as XX/XX/XXXX. I am attaching the XXXX showing forgiveness of the loan XX/XX/XXXX and a copy of my credit report showing how it is reporting to my credit bureaus. They are destroying my credit and after disputing directly with them and the credit bureaus I have gotten no where. Please, please step in and make them remove this item all together from my credit report. Fixing it now is n't acceptable as they have reported it wrong for years and they should error in my favor as they have cost me thousands of dollars in extra interest fees by dropping my credit scores by XXXX points.
Complaint sub-issue: Was not notified of investigation status or results

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.
Complaint sub-issue: Information belongs to someone else

I was checking my credit report in XXXX XXXX and it appears a balance from XXXX XXXX XXXX of {$8200.00} that was opened on XX/XX/2014.Its been reported by Equifax. I've been sending dispute online and by phone to Equifax but they keep getting the response that is mine from XXXX XXXX XXXX. 
I called XXXX  XXXX XXXX and talk to the fraud department and they don't have any account that belongs to me but they advise me that I have to contact Equifax, they are the one that can do something about it. 
I am a little desperate cause I'm buying a house and this is preventing me to go through the process.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate account listed below is still reported on my credit report in violation of federal law. Please remove or update the account completely from my Credit Reports : XXXX XXXX XXXX Balance : {$590.00}
Complaint sub-issue: Problem getting my free annual report

Under current federal law, the XXXX credit reporting agencies are suppose to let you review you credit report annually. I have tried for XXXX years and I always get various online replies from the XXXX agencies that they can not process my request or that I have already requested a report. It seems like if you do n't buy their additional credit products they refuse to give the consumer their free credit report as required by law.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft due to my information being caught in a breach. I tried to contact the credit bureaus by phone and by mail and they let me know that I had to contact my local police department to get a police report for the incident. I have since mailed this report over to the credit bureaus and am currently waiting for their response. I use my credit in conducting business many times per year and cant afford to have a negative rating due to someone else 's actions. My friend told me about this site. Please help me resolve this. Thank you
Complaint sub-issue: Account information incorrect

As of XX/XX/19, XXXX XXXX has impacted my personal credit file for {$27000.00} and placed for collection. I have asked them to please remove this because this was supposed to fall under my business. 

They have failed to work with me and I am adversely impacted my personal credit.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items : XXXX XXXX {$400.00}, XXXX XXXX {$1300.00}, XXXX {$170.00} and XXXX XXXX {$990.00} on my credit report. It has been well over 30 days and I have not received any investigation results.
Complaint sub-issue: Debt was paid

I settled a delinquent account with XXXX credit and they continue to report it as open and holding balance which is not accurate. The receipt and official statements are attached below.
Complaint sub-issue: Information belongs to someone else

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. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/2020 Balance : {$20000.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there are possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Complaint sub-issue: Didn't receive advertised or promotional terms

On XX/XX/2022 I have set up Discover to be a primary form of payment on my XXXX ( XXXX  ) account. According to the recent offer all XXXX transactions are pre-set to Discover as form of payment. However two transactions were not processed through Discover : XX/XX/2022 Payment to XXXX XXXX for {$450.00} XX/XX/2022 Payment to XXXX for {$100.00} The resulting loss of the bonus is {$27.00}. When I brought this issue to XXXX I was told that the Discover was responsible for not accepting these transactions so they went to the alternative form of payment : XXXX and the checking account. 
When I brought this issue to the Discover Card supervisor I was told that since these transactions do not show on its rejected transaction screen the issue is not their to address. She was not even interested in looking at the issue and even reviewing the data ( below ) since she told me she's neither authorized or equipped to deal with issue such as this. 
XXXX I find this way of thinking appalling. The DiscoverXXXX  offer has been a offered to me ( supposedly in good faith ) so it should be a responsibility of these two companies to address them instead of hanging the customer high and dry. I think Discover marketing should also get involved here as if for whatever reason the XXXX is a culprit why then it is lying to customers while automatically denying the benefit to the customers? 
Screenshots : 1 ) The XXXX account set to Discover as automatic payment. 
2 ) The XXXX transaction made to checking account instead 3 ) XXXX transaction made to XXXX instead.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I received a Debt collection letter from a company name IC SYSTEM INC. 
this FRAUDULENT DEBT has been fully disputed before at least twice with the Knowledge of the CFPB. 
XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 
I'm attaching my DISPUTE DEBT LETTER. I would like CFPB Fine and Penalized XXXX XXXX XXXX and this Debt Collector for still trying to collect a Fraudulent Debt of {$300.00}
Complaint sub-issue: Funds not handled or disbursed as instructed

My daughter and myself notified the bank of the unauthorized withdrawals more than once. When the bank confirmed who did the withdrawals of most of my Social Security retirement benefits, my daughter submitted a complaint here. The bank responded but did not issue the funds back to me. The CFPB closed the complaint without asking me if it had been resolved or not with the bank. It states clearly on the Social Security website that the only person other than the person who owns the account, who can access the funds is a representative payee. I don't have a representative payee. The bank should issue the stolen money back to me as I am in poor health and need that money for my expenses. It states on the FDIC and Federal Reserve site that the bank has to refund the money while doing it's investigation. I never authorized XXXX XXXX XXXX to withdraw all my money for 3 months in a row and she is also using a fraudulent POA of finances. She was forced to resign as trustee of my trust and has no authority given by me.Even if she was POA of my finances, which she isn't, the SSA doesn't allow anyone but payee reps appointed by them to do anything with the funds. I need my Social Security money back that the bank had no right to let another person withdraw. Retirement direct deposit accounts are supposed to have a high level of security to protect people like myself and the bank is without any doubt what so ever responsible for the withdrawals that were not supposed to go to anyone but myself or a payee representative. They can sue the trustee for the withdrawn funds and get restitution because the trustee is a professional fiduciary ( hard to believe ) and is also bonded. I need my money that the bank should have never given to anyone other than the account holder which is myself. The total is between 6000-8000 and can help pay for some of my much needed medical supplies. Thank you.
Complaint sub-issue: Information belongs to someone else

I would like to request a security freeze placed on my Consumer Disclosure Report. I chooseto opt-out of your disclosing future information until further notice including the XXXXReport and other furnished XXXX XXXX, Sage Stream, XXXX   inquires regarding all personalinformation. This security freeze request not only restricts credit bureaus and creditors, butalso future potential employers until I lift this restriction. Under the Fair Report Act, you arerequired to comply. My name is XXXX XXXX . My current and only address is: XXXX XXXX XXXX XXXX,Ohio XXXX. Please remove any telephone number thats not XXXX.Please delete the following addresses: XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX,oh XXXX, XXXX XXXX XXXX XXXX,ohio XXXX
Complaint sub-issue: Reporting company used your report improperly

To whom it may concern, I the consumer sent Equifax Information Services, LLC a letter on XX/XX/2022 demanding deletions of alleged debts owed that were reported on my consumer report. I never gave any written instruction to Equifax giving consent to furnish a consumer report. This violates 15 USC 1681b ( a ) ( c ) ( 2 ) .I demand Equifax Information Services , LLC provide proof of written instruction from myself the consumer instructing them to furnish a consumer report. These false and misleading practices used by XXXX to obtain my consumer information from various sources violates 15 USC 1692e ( 10 ). Equifax has committed identity theft according to 603 Definitions ; rules of construction 15 USC 1681a ( 3 ) The term " identity theft '' means a fraud committed using the identifying information of another person, subject to such further definition as the Bureaus may prescribe, by regulation. They have committed identity theft by falsely representing and the use of deceptive means to collect my consumer information without consent and collecting consumer information of alleged debts owed and furnishing a consumer report without consent to furnish this information on. ( a copy of the consumer report with my ID, proof of address and SS card will be submitted with this complaint ). I have tried multiple times to get Equifax Information Services LLC to delete these alleged debts owed, late payments and collections acct reported on my consumer report. I have disputed Equifax Information Services LLC on XX/XX/2022 and XX/XX/2022 through the CFPB portal and now on XX/XX/2022 I sent a dispute letter. I suffered from obscene and profane language on my consumer report as well as alleged debts owed, late payments and collections. As a consumer I suffered from XXXX  and XXXX because I'm unable to obtain employment or credit and fell into financial hardship and have not been able to obtain insurance or housing. My family and I suffered from this abuse from Equifax. By Equifax obtaining my consumer information without any written consent and furnishing a consumer report And reported negative information of alleged debts owed, late payments, collection caused financial hardship for myself and family as well as damage to my reputation and suffering. This harassment and abuse is a violation of my rights as a consumer according to 15 USC 1692d ( 1 ) ( 2 ). XXXX knowingly and willfully obtained my consumer information under false pretenses from various sources without my consent to furnish a consumer report and service their customers. This violates my rights as a consumer according to 15 USC 1681q.

My right to privacy as a consumer was also violated by the identity theft of my consumer information and furnishing a consumer report without consent and furnished a report anyway to make it available to service their customers such as creditors, employers, insurance companies, landlords etc. This violates 15 USC 1681 ( 4 ) my to respect and privacy as a consumer