Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with rewards from credit card

Today, XXXX XXXX, 2017 I visited the Discover Card site to redeem the Cashback Awards. 
The site clearly states " These rewards are yours to use ANY time you want, whatever amount you want. Apply your Cashback Bonus to your bill OR deposit to your bank account. ". I had over {$450.00} and beside that amount ere the words- " REEDEEM ALL ''. 
You had to enter the amount and had two choices- one was to apply as a credit to your bill or two was to deposit to your bank account. I chose all and to deposit. Then a note popped up stating that I needed an account " linked '' to the card and to call XXXX ... 
I did. I was then told that I could NOT " redeem all '' - the limit was {$300.00} and that they did not know why I was not allowed to select the bank account they had on file. Now mind you, I HAD done this before a few years ago. Also- I do have 4 bank accounts linked to this credit card from which I have in the past paid through their site- infrequently. I asked to speak to a supervisor who could not explain away the discrepancy between WHAT their site CLEARLY stated and WHAT I actually could do. She gave me some spin about " security '' ... When I asked specifically about any issues with MY account- she told me she could NOT say anything due to security reasons ( I assumed she was talking about DISCOVER security ). 

I understand that I have a " contract '' with Discover to use their card. I pay my bill every month completely. I am not late as the amount owed is not due until XX/XX/XXXX. I have used all 4 of the bank accounts to pay portions of this card at various times- both through their specific site AND through my bank billpay sites. 

I believe that it is fraudulent for Discover to clearly state what I stated above, BUT NOT allow it to be done and then can give NO reason WHY it can not be accomplished.
Complaint sub-issue: Their investigation did not fix an error on your report

ATG Credit LLC is continuing to report several False and misleading on my credit report : 1. Falsely classifying as : XXXX XXXX XXXX ( On XXXX  ) 2. Falsely Reporting Date Closed : XX/XX/2022 ( On XXXX  Only ) in order to re-age the account. 

4. Updated XXXX Original Creditor name to XXXX XXXX  ( XXXX XXXX on XX/XX/2022 3. Verified as Accurate and Updated with XXXX on XXXX  but continued to report Date Updated : XX/XX/2022, which means NO INVESTIGATION was conducted. 

4. Failed to Respond to XXXX  Dispute or Provide investigation results, but reporting Completed investigation of FCRA dispute - consumer disagrees 5. Did NOT provide dispute results for XXXX dispute, but updated the account without a investigation. 

6. Failed to ADD the required Consumer Disputes remark to my XXXX report, which was received on XX/XX/2022 by XXXX. 

XXXX received my dispute on XX/XX/2022, and I received no response as of today. XXXX received my dispute on XX/XX/2022 and requested that I verify my identity, however the investigation was completed during that process, without me receiving the results. XXXX received my dispute on XX/XX/2022 and completed a investigation by XX/XX/2022, and stated Verified As Accurate And Updated, however the Date Updated Remained : XX/XX/2022, which means no investigation was actually conducted.
Complaint sub-issue: Information is not mine

Collection account outstanding balance, creditor XXXX XXXX XXXX U-Verse for {$1100.00}. 
Account # XXXX for service at XXXX XXXX. Never lived there, not my account. 
My name is XXXX XXXX XXXX and this is effecting my credit score. Called XXXX XXXX XXXX, they said they ca n't take off credit info. Called XXXX collection, they no longer have account.
Complaint sub-issue: Investigation took more than 30 days

My name is XXXX XXXX XXXX and I have been trying for the past 3 months to get an update on my credit and credit dispute results however, i keep getting beat around the bush with no updates it has been more than 30 days and no results from my investigation. Please see the attached documentation for my complaint towards the XXXX credit bureaus if they can not meet my demands I want the identity theft information I disputed on my credit report gone
Complaint sub-issue: Attempted to collect wrong amount

I have unsettled bills back in XXXX  and XXXX  which bills were too old to collect for hospital bills. These collection bills are old bills. They purposely lied and deformation of my character. Violated my right. I have disputed these charges and they will remove them and repost them. The credit bureau helps them by purposely putting false informations. These debts were supposedly old debts with XXXX in XXXX XXXX or XXXX in XXXX Fl dating back from XXXX XXXX XXXX and which my XXXX insurance has no recollection of any claimed debts. Based on the Statute of Limitations in Florida for Debt The statute of limitations for debt in Florida is usually five years. A creditor has five years to sue you for the money you owe. This is because most debts are based on written agreements and the statute of limitations period for contract actions is generally five years. 

americollect Balance {$150.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX Opened XXXX Reported Open Condition americollect Balance {$53.00} Original Creditor : XXXX XXXX XXXX COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Open Condition americollect Balance {$120.00} Original Creditor : XXXX XXXX XXXX XXXX  XXXX Act. # XXXX Opened XXXX Reported Open Condition americollect Balance {$53.00} Original Creditor : XXXX XXXX XXXX XXXX  XXXX Act. # XXXX Opened XXXX Reported Open Condition americollect Balance {$100.00} Original Creditor : XXXX XXXX XXXX COLLECTIONS XXXX Act. # XXXX Opened XXXX Reported Open Condition americollect Balance {$470.00} Original Creditor : XXXX XXXX XXXXp XXXX  XXXX Act. # XXXX Opened XXXX Reported Open Condition americollect Balance {$97.00} Original Creditor : XXXX XXXX XXXX XXXX  XXXX Act. # XXXX Opened XXXX Reported Open Condition americollect Balance {$53.00} Original Creditor : XXXX XXXX XXXX  XXXX  XXXX Act. # XXXX Opened XXXX Reported Open Condition americollect Balance {$97.00} Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX Act. # XXXX Opened XXXX Reported Open Condition
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX has a collection on my file from XX/XX/2012. The account number is XXXX for {$1900.00}. I disputed this item and the bureaus left it on my file. I have now contacted XXXX FIVE TIMES. I gave them the account number from the credit bureau file and all of my personal information. They can not find this account in their system. 

How is it possible that the bureau sends a dispute to XXXX and XXXX sends back verification OF that dispute and it remains when XXXX can not locate it with their account number or my social security number? Or do the bureaus even send this dispute to XXXX? Perhaps they just leave all XXXX items on the file without the dispute process? 

How is it that a consumer can be held hostage to a collection account that they are unable to pay? Is this like a phantom parking ticket? Or perhaps a loan sharking loan where there is no record of the loan? 

CFPB should publish this. How often are consumers ripped of their rights like this?
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Dear Sir/Madam, Please see attached for my letter sent to Citi Credit Card company regarding the trip booked thru XXXX but got canceled due to the COVID19 pandemic. Below is a portion of my letter : " Case ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : It was nice talking to the Citi customer service representative on XX/XX/XXXX regarding the charges to my credit card account. As requested, I am writing this letter to provide more information. 
Back on XXXX XX/XX/XXXX of XXXX, I booked thru XXXX for my big family to go to XXXX XXXX XXXX, XXXX for a vacation in XXXX of XXXX. But, due to Corona virus pandemic, it was cancelled and XXXX gave us credits to use for when we are allowed to travel again. 
As California reopens for business and we are planning to travel again, On XX/XX/XXXX I called XXXX to use credit vouchers for our upcoming vacation, but the XXXX customer service representative did some research and told me that we can not use the credit vouchers as the airline that issued them is no longer operating and he advised me to dispute the charges with the credit card company. '' And this is a portion of the letter the Credit card sent to me : " This letter is in regards to your disputes with the above merchant for {$420.00}, {$460.00}, {$460.00}, {$460.00}, {$420.00}, {$420.00}, {$420.00}, {$410.00}, {$410.00}, {$460.00}, {$420.00}, {$420.00} and {$460.00}. 
We have reviewed your disputes and determined we are unable to assist you due to the age of the charges. We needed your letter within sixty days from the first statement on which the transactions appeared. However, if you wish to pursue this matter, you may seek alternate means in which to obtain the credit you desire for your account. '' As it was my intention to use the credit vouchers to go on the trip again so there no reason to contact credit card company within sixty days of the the transactions appeared. Now that the airline is no longer operating so I can not use the service that I paid for and have to ask the credit card company to help and I think that the sixty days should be an exception in this case.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, Equifax, and XXXX refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue Tax lien is a public record I contacted the courts myself and was advised that they do not " REPORT/ VERIFY '' any public records for credit bureaus because the information that is on my credit report is invalid did not file tax lien XX/XX/2010, liability amount is XXXX which is invalid which is a violation of new public record law stating that if public record includes invalid information it must be removed. They reporting varies accounts missing account validation, no contracts with my signatures, amounts, account numbers, creditors contact information etc for the following : XXXX XXXX XXXX XXXX ( ALL ), XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

My letter dated XXXX which was mailed to you on XXXX. That letter was mailed to you by XXXX MAIL XXXX XXXX XXXX XXXX XXXX. The letter was received by XXXX XXXX on XXXX. However, there is no record of my letter new documents in your XXXX System. I have filed a complaint with your Dispute Department and your Office of Consumer Affairs. 

THIS NEW AND RELVANT EVIDENCE. DO NOT INGNORE THIS COMPLAINT. 

On several occasions you have claimed to have verified the XXXX XXXX account as being accurate. Im providing new and relevant information that proves the information is not accurate. 

According to the XXXX XXXX Explanation of Surplus or Deficiency the balance they calculate is {$27000.00}. However, they failed to include refund they received in unearned premiums for the XXXX XXXX XXXX which was canceled prior to the contract termination date. The request to cancel the policy was processed and a refund was issued in the amount of {$540.00}. This amount was refunded to XXXX XXXX. XXXX XXXX never adjusted the deficiency balance. The balance remains {$21000.00}. 

CC : XXXX  State Attorney General CC : XXXX State Attorney General XXXX : XXXX XXXX, XXXX
Complaint sub-issue: Reporting company used your report improperly

I am one of those involved in the Equifax hack. My SSN and personal information is now comprised. I am worried that my information will now be used to open future lines of credit in my name without my knowledge which could potentially devastate my life as well as my family 's. 

I checked to see if I was involved on XXXX XXXX 2017 and was informed on Equifax 's website that I was affected. I signed up for an enrollment notification for 1 year credit monitoring. I have not signed up as of this complaint. 

I also contacted one of the credit bureaus and had a 90 day fraud alert put onto my credit. This was done on separate advice, not from Equifax.
Complaint sub-issue: Debt was result of identity theft

I am XXXX XXXX XXXX and I am sending this complaint myself to request assistance from to have this account removed from my personal Credit report. I don't have any connection to any Credit Monitoring Company or any of its kind. Despite the multiple previous written requests, the unverified account still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. This status is damaging my report, which would not be happening if the bureaus have investigated properly before posting derogatory information.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

We have received multiple phone calls from a XXXX  XXXX XXXX at XXXX to each of our family 's phones threatening to sue us over a debt from a XXXX voluntary car repossesion of my ex-wife 's XXXX for the last 20 days. Today 's ( XX/XX/XXXX ) call was XXXX Central Time. They read a paragraph saying it was illegal to not pay an agreed to debt from XXXX and that they are pursing legal action if we do not pay immediately. They have been asked multiple times to send everything in writing so we can validate this information and confirm who they are. We called XXXX which is the number they told us to call for information at XXXX, then XXXX, XXXX and XXXX, XXXX and XXXX but every different representative either hangs up or disconnects the call when we request any details other than the case # regarding our rights. The last three calls they pick up and hang up without hearing our request. We know they have and recognize my number as they answered the previous calls and ask me if it this is " name '' instead of identifying their company. We asked for A ) verification of debt and B ) an address to send a cease and desist phone call letter but they said they wouldn't give us an address as we will XXXX  (? ) them since they don't know us. I advised we know our consumer rights and are consumer advocates who follow the rules with the SOL and how they should behave much more professionally and provide these details so we can verify the validity of their claim as we don't know who they are either but have our personal financial information. How can anything be done if they just get angry, tell us they will sue us and turn everything over to the courts and see us in court or jail? They are very agressive. But we would like verfication of debt which they have refused, an address to pursue written correspondence and they said they will only see us in court and hang up time and again. We want everything in writing and to ensure these folks are even legit as their behavior is extremely unproffesional for a recovery company and this debt is far outside of the SOL. This is not the first time I have been contacted for my ex-wife 's debts as she claimed bankruptcy in XXXX. They heard my wife who was reminding me of our rights in the background and asked who is that in the background spouting off? They have called her personally multiple times in the past so she got on the phone and explained again our rights for verification of debt and contact info for cease and desist and he was extremely disrepectufl when she said as a consumer advocate we know you can not behave this way. The consumer has rights and should be advised of them when debt collection is being rendered. He said he will see us in court and we don't need anymore information than that. 

The numbers again are XXXX and XXXX and the names we got were XXXX and XXXX XXXX as everyone else would only say see you in court when they picked up if they didn't hang up right away. The company is supposedly called XXXX  XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Hello, I have disputed addresses that my ex boyfriend had used to take out credit cards or loans on my name. I had lived with him for several years his name is XXXX XXXX XXXX he had scammed me a couple of times and I had spoken with several agents regarding this matter. They have successfully helped me out and requested documents to back up my story. 

All done, I even got a dispute result back of the addresses that being removed and my new address now was current. I live with my mom now so he can't find me whatsoever. 

BUT - regardless of my proof of the dispute result that Equifax has generated, the addresses are still on my Equifax Credit Report because they won't update it accordingly as they promised.
Complaint sub-issue: Reporting company used your report improperly

Equifax has taken advantage of my trust they and all the other companies have use my trust and misused all my personal information not only have these companies lied on all reports but they have sold my information off to other companies without my consent THE BANKS AS WELL CFPBPlease investigate all these credit bureaus because they are stealing committing FRAUD and taking are personal information and making profit off of it that is extortionThese companies should be in trouble a lot of itI want compensation for all this illegal activity in my nameThey have cause so much poverty in my life I was basically redline in the UNITED STATES OF AMERICA by banks and credit bureaus : ( This is unacceptable and wrongIve never understood what and how these companies get away with lies and contract fraud..Extortion.A lot of illegal activity and how when they have all of our personal informationHow can these companies get away with this HOWI want Justice for all the discrimination and XXXX in the UNITED STATES OF AMERICAThis country is XXXX they call the XXXX XXXX XXXX XXXX XXXX XXXX ) so yeah thats my proof that all these companies I complain about is XXXX.What is going on in this worldPlease pay me back in full and CFPB can u please get PEOPLE in office that is not XXXX AGAINST XXXX PEOPLE to actually help us outIm tired of being treated like a XXXX and watched by XXXX being harressed lately too cfpbYeah this government is shady against XXXX AMERICANSplease do something please they must stop stealing and making profit off our informationI want compensation for the BREACH OF CONTRACT OF THIS COMPANY
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/XXXX, XXXX payments were processed by XXXX in the amount {$250.00} each. One payment was for the month of XXXX, the other was for the month of XXXX. Because these were both processed in the month of XXXX, FedLoans is alleging that no payment was made in XXXX, and that all payments made in the months that followed were considered delinquent. Ive reached out to representatives at XXXX directly. Their records show the two payments in question counting towards the proper months and theyve confirmed that my account has never been delinquent. FedLoans claims this negates payments I made on-time and in-full, spanning from XX/XX/XXXX until XX/XX/XXXX. 
During this time period, similar situations occurred in XX/XX/XXXX and XX/XX/XXXX, where two payments drafted in the same month were posted in XXXX records for two separate months. My XXXX records show two sets of {$39.00} and {$210.00} payments on XX/XX/XXXX and XX/XX/XXXX that count toward XXXX and XXXX of that year. Records show similar sets of payments on XX/XX/XXXX and XX/XX/XXXX. According to XXXX these counted as my XX/XX/XXXX and XX/XX/XXXX payments. 
For the period spanning XX/XX/XXXX to XX/XX/XXXX, XXXX determined that I did not have to make payments, based on my income-based loan application for that year. The attached XXXX records show {$0.00} payments each month and no delinquency or late fees associated with this time period. 
FedLoans is also alleging that no payments were made during the span from XX/XX/XXXX to XX/XX/XXXX. Ive attached bank statements from all XXXX months showing the withdrawals from my account. For XXXX, XXXX, and XXXX, Ive also attached screenshots of the payments shown within my XXXX online account. In XX/XX/XXXX I began the process of transferring my loan to FedLoans in preparation for student loan forgiveness. My bank statement shows that XXXX withdrew a payment on XX/XX/XXXX in the amount of {$2400.00} despite the fact that my online account does not show it. In my contact with the XXXX representative, they assured me that this payment was indeed transferred to FedLoans and that it would count toward the student loan forgiveness program. 
All of the above was discussed directly with FedLoans in XXXX and XX/XX/XXXX and a request was made that they recalculate my student loan payments. This is still in review. By my estimation I will have made 120 qualifying payments to my student loans in the next couple months and should be eligible for loan forgiveness at that time.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.