Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't use card to make purchases

XX/XX/XXXX, I was sent a copy of change of terms letter -dated XX/XX/XXXX, from us bank concerning XXXX change, from XXXX XXXX rewards visa credit card to XXXX XXXX world MasterCard , which stated the new card would be received between mid-XX/XX/XXXX and XX/XX/XXXX, by me.letter stated that my old Visa card would deactivated 60 days after my old card is issued or 30 days after I activated my MasterCard.i never was sent my new XXXX XXXX MasterCard by late XX/XX/XXXX.my XXXX XXXX Visa card was carelessly deactivated by us bank-XXXX, at least.late XX/XX/XXXX.i could not make purchases and my automatic payments were  found to be rejected, in late XX/XX/XXXX and XX/XX/XXXX and probably XX/XX/XXXX.us bank and XXXXboth lied on change of terms letter, because I finally called us bank to ask why my card would function, then I was told by a representative that my XXXX XXXXXXXX   Visa card had been deactivated, even though I had not received my new XXXX XXXX MasterCard by XX/XX/XXXX - XX/XX/XXXX.i had to request a new XXXX XXXX MasterCard in XX/XX/XXXX,  but advertisement latter that the new card arrived withinhad XX/XX/XXXX marked on bottom of letter.us bank representative falsely told me that I would receive two XXXX XXXX rewards cards in mail, but I only received the XXXX XXXX MasterCard from XX/XX/XXXX requested order, which means no new MasterCard was sent to me, in XX/XX/XXXX-XX/XX/XXXXas stated on XX/XX/XXXX letter.i had no new MasterCard to issued, at time of XX/XX/XXXX nor did I posses a new MasterCard to activate 30 days before  deactivation.therefore, my automatic payments were being rejected, changed, etc. and could not make purchases with my deactivated XXXX XXXX card.after, activated my XXXX XXXX MasterCard in mid to late XX/XX/XXXX, then all my automatic payments obligations needed to charge double for my needed insurance and health care discountaccounts, therefore, all three automatic payments overdrew my new XXXX XXXXXXXX MasterCard. Why did us bank and XXXX abuse me, in this way?
Complaint sub-issue: Information is not mine

I requested that a hard inquiry be removed that showed up on   XXXX   XXXX  . I did not apply for a credit card with  XXXX  's nor did I authorize anyone looking at my credit report.  XXXX  notified me of this inquiry and we contacted   XXXX   XXXX   immediately to have it removed. I than sent Equifax a letter stating that I did n't authorize this and requested removal on   XXXX   XXXX   XXXX    . The responded and stated they had investigated and proved it to be true. I have the letter from   XXXX   XXXX   stated that the inquiry would be deleted. I would like the inquiry removed.
Complaint sub-issue: Account information incorrect

On or about XX/XX/2022, payment of {$800.00} was made on loan XXXX with the business. Payment has cleared and posted to my banking account on XX/XX/2022. As per the website of the business and my online account, the loan is paid off in full with a XXXX balance. Since, open accounts with balances can have an effect on credit scoring, the business should update this information upon receipt of this complaint with all major credit reporting repositories that it reports to.
Complaint sub-issue: Talked to a third party about my debt

ENHANCED RECOVERY I asked ENHANCED FOR for valiation and verification pursuant to 15USC1692g ( a ) ( b ), I am the Consumer Pursuant to 15USC1692a ( 3 ), and EHANCED RECOVERY is a DEBT COLLECTOR/DATA BUYER/RECEIVABLES PURCHASER pursuant to 15USC1692a ( XXXX ). EHANCED has intruded into my ( the Consumer 's ) Private Non-Public information which is called IDENTITY THEFT Pursuant to 16CFR603.2 and this is a Felony punishable by law. I ( the Consumer ) want ENHANCED RECOVERY to divulge information from the person or persons who shared private information with them first who, what, where, and why they are using my information to publically humiliate the Consumer. I ( the Consumer ) has successfully disputed this information because within five ( 5 ) days ENHANCED RECOVERY did not provide loan level documentation containing what the Consumer has requested. The statutes of limitations are up for ENHANCED RECOVERY. XXXX v XXXX, XXXX, XXXX, XXXX. an Amicus Brief covered this FDCPA Fair Debt Collection Practices Act. Specifically XXXX v. XXXX, XXXX, XXXX XXXX XXXX, XXXX. 
The CONSUMER wants ENHANCED RECOVERY TO CEASE AND DESIST COLLECTING ON SOMETHING THAT THE CONSUMER does n't have knowledge of or want to. This illegal behavior is being claimed by the Consumer to the Federal Bureau of Investigation Criminal Division for divulging this information as quickly as possible. PLEASE CEASE AND DESIST this dangerous behavior. 
The Consumer has needs to purchase personal, family, and household needs but is hindered from obtaining such because ENHANCED RECOVERY says she owes them money and according to the LIBEL CODE Article 42 which was signed into law on XXXX XXXX, 2016, you do not have authority to make the Consumer work for you and pay you money on something that you do not have a signed contract on. 
They have harmed the Consumers purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I ( the Consumer ) am not in COMMERCE. 
Pursuant to 15USC1692k I ( the Consumer ) has invoked her private right of action and wants this bad situation to go away as soon as possible. CEASE AND DESIST. Regards XXXX XXXX XXXX Consumer
Complaint sub-issue: Didn't receive notice of right to dispute

I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX / {$460.00} / XX/XX/2021
Complaint sub-issue: Their investigation did not fix an error on your report

I 've contacted the 3 credit report bureaus XXXX Equifax, XXXX XXXX, and XXXX XXXX back in XXXX to provide validation of all negative items on my reports and asked them to provide with copies of any documentation associated with these negative accounts, including the original contract, bearing my wet signature to prove that the companies 's claim were correct. It is the 3 bureaus 's responsibilities to verify these claim before they added to my account. They failed to verify the account themselves and just " asked '' these companies or banks to verify for them and called it an investigation. I have n't heard anything after I sent out the 2nd dispute letter and they have failed to provide proof within the original 30 days I gave them. 

I have a letter to all the credit bureaus : Dear Equifax, XXXX XXXX, and XXXX! 
Please provide the XXXX of XXXX with the Original contract with wet ink signatures that granted you our Permission to hoard our personal information. Failure to provide this contractual agreement to each and every XXXX constitutes a privacy right violation according to the Privacy Act of 1974. The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the District of Columbia due to XXXX being a publicly traded company! We the Consumers have grown tired of the false and misleading practices you have portrayed!! 
Portraying XXXX and XXXX Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ).  All Consumers demand that all Personal information retained in your companies systems be removed immediately and damages of XXXX XXXX Dollars ( USN ) backed by gold be credited daily to each Social Security Number Available in your system. Consumer 's name and personal information ( which are copyrighted as intellectual property ) has been leaked by your company and has continued too injured Consumers daily as your Systems are primitive in Nature!! 

Please help investigate their failure to comply and this has seriously hurt my credits and my ability to getting a loan or mortgage. 

Thank you very much!
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting incorrectly that I am 120 days past due on the DPT ED/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 6 - 17 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance : - ; 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 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 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 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
Complaint sub-issue: Debt is not mine

I have received phone calls from I.C. System. I explained to them plenty of times that they have the wrong person. They asked me to verify my personal information which I responded with a " NO ''. I also said unless they tell me the nature of the debt I will not disclose any personal information. Now I see I.C. System on my credit report with a address I never lived at my entire life. Which is XXXX XXXX XXXX XXXX, XXXX, Ny. I never lived there in my life. I want this debt and address removed from my credit report immediately.
Complaint sub-issue: Reporting company used your report improperly

I have tried to contact XXXX - XXXX credit reporting relative towards the following companies seeking inquires about me without my knowledge or consent. The companies involved are : 1. Discover Financial Services XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX 3 total inquires on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I wrote to XXXX XXXX  asking for the documents or account opening information because my identity was recently compromised. ** 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX inquire on XX/XX/XXXX ** I wrote to XXXX XXXX asking for the documents or accounts because my identity was recently compromised. 
3. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Inquires were made on XX/XX/XXXX and on XX/XX/XXXX & XX/XX/XXXX. 
** wrote to XXXX XXXX asking for an explanation for this account and got NO RESPONSE. 
4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX inquiry on XX/XX/XXXX AGAIN, I wrote to XXXX XXXX wanting an explanation with documentation and account information BUT no response. 
5.XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, DE XXXX XXXX Inquire on XX/XX/XXXX I wrote to XXXX XXXX asking for the documents or accounts because my identity was recently stole. No reply. 
6. Discover Bank XXXX XXXX. XXXX XXXX XXXX Utah XXXX XXXX UT XXXX Inquire on XX/XX/XXXX Again, no reply from XXXX XXXX. I asked for the documents or accounts information because I was recently an identity theft victim. No response. 
7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX Inquiry on XX/XX/XXXX. I wanted the documentation and account information of this inquire. Again, No response from XXXX XXXX. 
8. Customer XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Inquire on XX/XX/XXXX I wanted documentation of the account. No response from XXXX XXXX. 
9. Discover Bank XX/XX/XXXXXXXX XXXX DE XXXX Inquire XX/XX/XXXX No response from XXXX XXXX. I wanted the documents and information. 

I asked under the FCRA law to expunge these inquiries and place a BLOCK on my credit report and to inform me immediately if an inquiry is placed on my file and prior to sending anything to any inquiring company to inform me.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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 an account without my written instruction.
Complaint sub-issue: Frequent or repeated calls

To whom it may concern, Other then myself numerous family members have been receiving calls from  XXXX XXXX XXXX  real results debt collector XXXX XXXX, NJ phone # XXXX. I would like for this company to only contact me through mail and leave my family that live in XXXX XXXX, ca and XXXX, New Mexico alone this is not their bill it is MINE. The only reason I know of this collections because I receive emails from my family and I would like for it to stop.
Complaint sub-issue: Their investigation did not fix an error on your report

Re : Removal of Account per XXXX XXXX XXXX Data Reporting Guidelines For Reporting Sold and Transferred Accounts To Whom It XXXX Concern, Effective XX/XX/2022 : All guidance that relates to accounts being transferred or sold has previously been updated to advise that the Account Status should be reported as of the time of transfer or sale so no further updates will be made to existing XXXX. 

Equifax is currently reporting the " Account Status '' as " Sold/Transfer '' as shown in the attachment ; therefore, effective XX/XX/2022 if the " Account Status '' field was changed to " XXXX '' which it is, the account should have been deleted after the update of the " Account Status field to " XXXX ''. 

Based upon XXXX XXXX Data Formatting and XXXX XXXX for XXXX XXXX Data Formatting effective XX/XX/2022 the following account is reporting inaccurate ; Account Name : XXXX XXXX Account Number : XXXX
Complaint sub-issue: No notice of investigation status/result

Equifax and XXXX failed to notified me regarding notice of disputed of reinvestigation as well some accounts has been removed from one Agency and let reported on the other. I demand this items to be deleted permanently. All this accounts on the report marks as derogartoy where not notified per FCRA require reporting agency to give notice of reinvestigation
Complaint sub-issue: Information belongs to someone else

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT.
Complaint sub-issue: Attempted to collect wrong amount

Made several attempts to obtain records. Regarding Balance ... ..have last statement Bill of balance which was {$300.00} I had no problem paying and was told they would not accept that amount. Do n't feel I should pay because contract agreement was I could cancel after 30 days because I did n't like the service and I did and XXXX keep charging me. Everytime I call about account I 'm told call someone else and given the run around. I disputed the account on XXXX it was closed then reopened with no communication about the debt. This is unjust I 've made attempts to pay debt. I 'm being forced to pay something else. It 's ruining my credit.
Complaint sub-issue: Account information incorrect

I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX - XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Reporting company used your report improperly

So, I sent the letter off on XX/XX/2022, here is my Tracking number XXXX, and was delivered on XX/XX/2022. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2019, CITIBANK NA., BEST BUY add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

equifax is reporting US DEPT OF ED acct.no, XXXX The account IS TOO OLD TO BE ON FILE. 
I have not made a payment since XXXX2011.I never paid any money to the {$9100.00} original balance.I never used any of the loan proceeds to pay for school.I never went to school or passed any courses using this money.There is no payment history from me or proper deferment earned.The account is inaccurate and TOO OLD TO BE ON FILE.
Complaint sub-issue: Reporting company used your report improperly

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are STILL NOT reporting 100 % accurate. According to the FCRA 15 U.S.C 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies.

I have been violated as a consumer and human being causing defamation to mental and financial livelihood. My rights have been violated continuously with no compassion or honor by the credit bureau. They have violated the law and I under my rights 15 U.S.C 1681.

According to 15 U.S.C 1681 : I have the right to privacy and I did not give written permission to furnish these accounts. 15 U.S.C 1681a ( e ) was violated along with 15 U.S.C 1681c and I gave proof of inaccuracy multiple times. 

Account : XXXX  XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX  XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$1600.00} XXXX  XXXX Balance Owed : {$5800.00} XXXX XXXXXXXX Balance Owed : {$2600.00} XXXX XXXX Balance Owed : {$2400.00} XXXX  XXXX Balance Owed : {$1900.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Account status incorrect

My credit score dropped by more than 70 points because my mortgage with XXXX XXXX was paid in full. I contacted the mortgage company and they told me that they did not report the account as closed, rather they reported that the loan balance as being paid off. The mortgage company told me that the credit reporting agency reported my account as closed. I filed a complaint with XXXX  to address this issue and nothing was done. My credit score should not be negatively impacted because I paid off my mortgage. If the credit reporting system logic is driven based on the status of the account then this account should not be updated to close or if the requirement is to report it as closed then the scoring logic needs to be modified. I owned my home for 10 years and paid my mortgage on time and managed to pay it off early that should not count against me.