Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

An unknown individual that lives at XXXX XXXX XXXX XXXX in XXXX CA XXXX on space # XXXX has used my social security to get an installment loan from XXXX on XX/XX/XXXX and XXXX canceled it on XX/XX/XXXX after the unknown individual had stolen {$5400.00}. I noticed of this theft today after signing up for XXXX to check my credit score. I also noticed another highly impactful Revolving credit card that was NOT taken out by me from citicards Cbna for {$1400.00} on XX/XX/XXXX, these are two out of fifteen loan/credit cards this unknown individual stole from these companies under my social. These actions have impacted my credit score to sink. Every loan after XXXX on my credit score was a fraud, the only credit cards I have ever taken out myself were XXXX XXXX on XX/XX/XXXX and from my job XXXX on XX/XX/XXXX. Everything after XXXX was NOT me I would like help with this crime committed on my credit please!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, Everything has to be 100 % accurate on my credit report. These actions violated my rights. 

ACCOUNT - 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 an account without my written instructions. 

The Credit Reporting Agencies stated the account was properly investigated but these items in my attached credit report show different.
Complaint sub-issue: Didn't receive terms that were advertised

I applied for a checking account due to being offered {$250.00} account opening bonus. It is XX/XX/XXXX and I have not received the bonus that I was supposed to get by the second week of XXXX. I spoke to multiple representatives and have used their chat system and was told Id have a resolution by the XXXX and XXXX of XXXX. I just called right now and they said there is nothing they can do. So I feel this is misleading and bait for consumers to open accounts
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX is taking time to submit a complaint against XXXX XXXX XXXX XXXX as a member of the XXXX XXXX, believing that a collection is being posted against me as a violation of my rights under the Fair Debt Collection Practices Act. The problem on this collection of {$4900.00} that is reported on my credit bureaus is from a car accident I had back in 2018, whereas there was gap insurance that should have covered the loss of my vehicle to cover the no-fault portion on coverage from another carrier. The problem being that the vehicle was aged and the value was far less that what was owed on it. XXXX XXXX XXXX XXXX has its own internal insurance based on these types of scenarios that are also reported in their XXXX quarterly filings with the Securities and Exchange Commission. This collection is what can be termed a double-dip on profitability. In essence, this shortage has already been covered by XXXX and their internal reporting process on charged-off secured debts, and the balance should be deleted altogether, my credit report should be updated to PAID IN FULL, and the charge-off status must be deleted permanently. XXXX XXXX XXXX XXXX is using a XXXX accounting system that hurts consumers in the XXXX XXXX, and I believe that if the Consumer Financial Protection Bureau ever gets into an internal audit with XXXX XXXX XXXX XXXX, it will find that XXXX is a part of its back end profits they simply are not entitled to. My credit report is being held XXXX for a minor profit that may sound small in scale to the wealthy corporate giant like XXXX XXXX XXXX XXXX, but believe me, this negative reporting has hurt me badly financially. My balance must be zeroed immediately, and as a professional courtesy by XXXX XXXX XXXX XXXX   the entire account should be deleted off of my credit reports with XXXX Equifax and XXXX XXXX collectively. XXXX XXXX XXXX XXXX is also violating its subscriber agreement with all bureau in this corrupt and egregious reporting on a debt that was already covered through XXXX XXXX XXXX XXXX internal self-insurance capacities. 
XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have hard inquiries on all three reporting agency 's about I applied for credit at XXXX and at XXXX XXXX ( XXXX XXXX  ). I disputed these inquiries with Equifax and they came back as confirmed and to be correct. I called them about the accounts and they told me if they were wrong I need to call these two places to have them send to the 3 reporting agencies the hard inquiries were not mine. I got the contact information from Equifax and called I spoke with XXXX first from XXXX at XXXX and she said she saw nothing but she transferred me to XXXX an accounts specialist and he also saw nothing using my social had ever been applied for. I was told by him since I did not have an account with a social they had nothing to report back to this agencies. Second I call XXXX XXXX which is a XXXX XXXX account first spoke with XXXX and he saw no account had ever been applied from there using my social number, he sent me to the applications department and I spoke with XXXX and she told me the same. They also said without an account with my social they could not send anything the the reporting agencies. 
To me they are inaccurately reporting information that there is no way they verified to be correct which is causing and adverse action on my reports. I am trying to correct all my reports so I cal buy a house. How can I get this fixed?.
Complaint sub-issue: Other problem getting your report or credit score

I requested a copy of my consumer report from Lexis Nexis via their website in XX/XX/2022. I was denied online access and was forced to wait for a copy to be sent via mail. After waiting for it to arrive I received a letter from Lexis Nexis " RE : Unable to process request ''. They are asking for personal and private information that I am not required to give nor am I comfortable giving.
Complaint sub-issue: Information belongs to someone else

i AM A VICTIM OF IDENtITY THEFT mY PERSONAL INFORMATION IS STOLEN. 

AND A CRIMINAL HAS APPLIED FOR ACCOUNTS THAT ARE NOT MINE THESE ACCOUNTS ARE FRAUDULENT AND MUST BE BLOCKED AND REMOVED PLEASE BLOCK AND REMOVE THE FRAUDULENT ACCOUNTS 1 ) Company or Organization : XXXX XXXX XXXX - CHARGE OFF - AUTO LOAN Account Number : XXXX Amount : {$14000.00} 2 ) Company or Organization : XXXX - CHARGE OFF Account Number : XXXX Amount {$2300.00}
Complaint sub-issue: Debt was paid

XXXX XXXX XXXX needs to be removed from my report. My insurance provider has already paid in full all debts owed. I intend to sue if this is not removed within 30 days.
Complaint sub-issue: Problem with balance transfer

Timeline XX/XX/2018 ( approximately ) On my mobile phone I receive an alert from Discover Card that a balance transfer offer is available to me. I click on a link that opens the Discover Card application on my ( XXXX  ) phone where I see at a glance that a balance transfer offer is available to me on the following terms : 0 % interest for 9 months 3 % transfer fee In reliance on this offer I decide to pay off my Discover Card balance so that I can use the offer to the maximum extent up to my Discover Card credit limit. Using my bank 's mobile banking application I schedule a payment that will cover the balance on my Discover Card. 

XX/XX/2018 ( approximately ) Seeking to initiate a balance transfer I log into the Discover Card application on my mobile phone but I am unable to do so because at this time no offers are available. Apparently the original offer has been revoked, which is surprising to me because in my experience balance transfer offers are generally available for at least 30 days. There is no " alert '' history in the Discover Card app and no indication that the balance transfer had ever been made. 

XX/XX/2018 XXXX XXXX  EST I call the customer service phone number that is printed on the back of my Discover Card and I speak with an agent named XXXX. He says that there is no record of the recent balance transfer offer. XXXX transfers me to a manager who again tells me that she sees no record of any recent balance transfer offers. She says that on occasion Discover will make balance transfer offers that are only available for " one day '' or a " limited time '' but according to the manager, these short term offers are always visible in a customer 's account history. Apparently I am the first person this manager has ever known who received a balance transfer offer that was not logged into account history. I explain to the manager that I am angry because it seems Discover Card induced me to pay off my balance with the offer and once I did, they revoked the offer. The manager offers to log my complaint internally but is unable to offer any other resolution and is not able to provide a confirmation number that will be associated with my complaint. 

For consumers such as myself it is always a challenge to manage cash flow and available credit in a rational way. Discover Card 's apparent practice of offering a balance transfer and then revoking it without a trace is a type of deception that might subject them to civil and/or criminal liability as it has the effect of depriving their customers of the ability to manage their finances rationally.
Complaint sub-issue: Their investigation did not fix an error on your report

On [ XXXX & XXXX ] I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. Numbers 6 & 7 listed below appear to be duplicate accounts.

This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ).

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.

Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).

Please reply within 15 days or delete the negative items, as originally requested. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 9. U S DEPT OF EDXXXX : XXXX
Complaint sub-issue: Funds not received from closed account

On XX/XX/2019 I received notification from Comerica Bank that my Comerica HealthReserve HSA account would be moved to XXXX XXXX   unless I sent a transfer request Comerica c/o HSA Transition XXXX XXXX XXXX XXXX XXXX, FL XXXX before XX/XX/XXXX, XXXX.The request was mailed from my new HSA Trustee/Custodian XXXX XXXX XXXX XXXX on XX/XX/2019. 

On XX/XX/2019 the XXXX XXXX XXXX XXXX called me to indicate the request was returned from the US Postal Service as un-deliverable. On XX/XX/2019 I called Comerica c/o HSA Transition contact number XXXX. Upon calling the number it gave a new number for XXXX XXXX. I called XXXX XXXX and was told I must sign their forms and pay their fees. 

I would request that my HSA funds be submitted to XXXX XXXX XXXX XXXX as soon as possible without any additional fees.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Approximately around XX/XX/XXXX I called all three credit bureaus about credit inquiries illegally not authorized on my credit report also. I spoke with XXXX and they had a glitch in there system in XX/XX/XXXX.  Inquiries that were deleted are back on my report as well and I was not notified by mail in the time frame that was supposed to be notified by law. These inquires added a hardship and my rights were violated by XXXX as well as the other two credit agency. As a resolution I ask that all my inquires be permanately deleted from my XXXX report as well as Equifax and XXXX.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

I have an old account with XXXX XXXX XXXX/XXXX in the amount of XXXX that was opened in 2009. All of my loans were consolidated with a government program and XXXX is now over my payments. But this company is reporting 180 days past due even though it has been closed. Its also more than 7 yrs old. I have disputed this with equifax numetous times and they have failed to remove this old account. They dont even investigate it. This is harming my credit profile
Complaint sub-issue: Their investigation did not fix an error on your report

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : DEBT XXXX  XXXX  opened XX/XX/XXXX for {$630.00}, XXXX XXXX XXXX  opened XX/XX/XXXX for {$930.00}, XXXX XXXX XXXX opened XX/XX/XXXX for $ XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY , THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Complaint sub-issue: Received bad information about your loan

AES Team, I was informed about the XXXX Loan Forgiveness program a few years ago by AES reps on several seperate occasions. However, I was not properly informed about all the features of this program ; specifically XXXX Loan Forgiveness Forbearance. I was not properly informed that during the 5 year period, you can annually apply for forbearance while completing the 5 years eligibility at a XXXX XXXX XXXX. I was told my only forbearance option was General Forbearance which lasts less than 1 year. Had I been informed of this during the initial consult with AES reps I would have immediately applied for this special forbearance annually. 

I am now finishing up my 5th year at a title 1 school and are ready to have my loans forgiven. However, I am requesting retro active forbearance for 4 years ( XXXX XXXX ) in which I was eligible for the XXXX Loan Forgiveness Forbearance but was not advised of my eligibility for it. The XXXX loan forgiveness forbearance was the BEST repayment option for my specific circumstance over the past 4 years and AES failed to advise me of that. As a result, I have 2 90 day late payments on my credit report that could have been avoided had I been given correct information by AES reps. 

I know AES is all about helping its customers whos loans it services have the most pleasant experience ; especially its XXXX who serve in XXXX XXXX XXXX where we serve children from difficult life circumstances. I know AES has the best intentions to offer solutions to make the repayment process pleasant. However, the ball was dropped in my circumstance. 

This retroactive forbearance would rectify the unfortunate situation of not fulfilling their duty to inform me the best forbearance solution over the past 4 years. I know this is an abnormal request. However, given the extent of the circumstances I think you will agree that my request is fair and something that I am more than eligible for and entitled to as a XXXX XXXX XXXX that was not properly informed. Thank you for your time. 

I have tried on several occasions to rectify this with AES directly to no avail. 

Forgiveness Forbearance A XXXX  Loan Forgiveness Forbearance can be requested while you are completing the 5 years of teaching service at an eligible XXXX XXXX XXXX. The forbearance will be applied in 1 year increments, so you must reapply annually.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX and XXXX 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: Debt resulted from identity theft

I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. I disputed this directly with the company and did get a response.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/2019 I ordered one bottle of vitamins online thru an ad pop up using my Discover card, I received 2 bottles and was charged for both. I called the company and the lady said you have to have both. I said no I will return it, she said no returns and hung up. I called Discover card and the lady said call company and tell them cancel and send a confirmation via email. I called and the lady screamed at me, '' you can not cancel '', and hung up on me. I called Discover back told CSR what happened and the {$4.00} x 2 charges were credited back to me. 
2 months laterXXXX, I get 2 charges of {$89.00} charged to my account from the XXXX company. I called Discover and told them cancel my card or stop this company from charging me. I have no products or services for this charge and I told them to cancel my account in XXXX. I was told to call the XXXX company so I did, they said I got my Discover card involved and I can not call them, XXXX, and hung up on me. Discover card credited the two charges and told me there is a stop charge from XXXX and they can not charge anything to my account anymore. 
The following week, XX/XX/2019, I was charged {$94.00} x 2 from XXXX. I once again called Discover and told them no products or services are being received from this company and they were not supposed to allow any more charges from them. They said we really can not stop them from charging anything. But she credited me the two charges. 
The next day I received a package from XXXX  which I refused and the mailman took it  back. 
My XXXX bill from Discover card has all these credited charges reinstated on my bill. The Discover CSR said XXXX disputed the credits so I have to pay them. I have no products or services for these {$360.00} charges. 
I wanted to talk to a supervisor and wanted copies of all Discovers investigations into this company and disputes and was told No. I asked for a supervisor and was put on hold and after 5 mins I hung up. I tried numerous times to get a supervisor and was told someone will call me back in 72 hrs, no one ever did. I called again and same thing, someone call me back in 72 hrs. That last call to Discover was XX/XX/2019 and it is now XX/XX/2019 and no one has called me back I pay my bills on time and have very good credit. Discover card took the word, with out an investigation apparently, of this non reputable company, XXXX, that another Discover CSR rep told me they have many complaints with, and continue to charge me for products and services I do not have or did not get.