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

Reply to Complaint ID XXXX : Respondent ( Discover Bank ) failed to address why their customer service representative belonging to Discover Bank assured me refund after I upload letter from XXXX XXXX attesting to the quality of product as not as advertised. Attached is the letter I uploaded over XXXX ( XXXX ) months ago. XXXX XXXX  is not addressing Misrepresentation of fake leather being sold as genuine leather. Moreover, XXXX stated on phone I received their nurse promotion as part of XXXX giving free furniture to nurses minus delivery charge ( attached ). XXXX however charged my card full price anyway, no contract or paperwork was ever given to me because whole purchase was done over phone during covid.
Complaint sub-issue: Information belongs to someone else

Ive submitted disputes before and the company has not responded to me. These accounts are fraud and were not opened up by me. I did not obtain a loan through to go to school.
Complaint sub-issue: Information belongs to someone else

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Case Number XXXX I would like to APPEAL that case and get it resolved. I will seek further legal actions against citi bank if it wont get resolved. CFPB complain number XXXX-XXXX  Ordered merchandise WAS NEVER RECEIVED! MERCHANT FAILED TO DELIVER ORDERED DOOR! 
On XX/XX/19 I prepaid deposit XXXX $ using Visa card. 
On XX/XX/19 merchant contacted me that door was ready and I paid remaining balance online XXXX $ using citi card On XX/XX/2019. My husband picked up the door and when my contractor saw the door same day it was very poorly made, and bowed and would be impossible to install. Moreover it didn't look like anything we ordered. See attached photos. 
On XX/XX/19 merchant agreed to to take the door back and make replacement door within 2 weeks. 
On XX/XX/19 my husband RETURNED the defective door to the merchant in person. I have screen shot as well. 
On XX/XX/2019 I contacted the merchant asking about the replacement door since it was 2 weeks and they promised to have it ready by XX/XX/2019 On XX/XX/19 I contacted merchant again and they promised to get the door ready by XX/XX/19 for pick up. 
On XX/XX/19 merchant informed me that door is not ready and they will deliver it on XX/XX/19 to my house. 
On XX/XX/19 merchant never delivered the door and failed to respond to my messages and phone calls. I tried to contact merchant again on XX/XX/XXXX and never heard back, same day I filed disputed with citi card and visa card and ordered the door from different merchant. Merchant had 2.5 month since order was placed in XXXX to deliver door as promised and failed to do so or communicate with me on a timely manner.. My husband is a military veteran and the way citi bank handle this case is unacceptable. I have been a loyal customer for a long time. 
Also attached is a screen shot where on XX/XX/2019 we canceled the transaction with the merchant due to NON DELIVERY and NON COMMUNICATION! I DONT HAVE MERCHANDISE IN MY POSSESSION. 

On XX/XX/19 citi bank contacted me claiming I need to provide slip that merchant agreed to refund me, witch is NOT the case. Citi bank refused to help and resolve the case!
Complaint sub-issue: Old information reappears or never goes away

Since XXXX of 2018 I've been sending Equifax dispute letters. Disputing all inaccurate, misleading, erroneous, incomplete and old account that should not be there. But time and time again Equifax refuses to follow federal law. In accordance to FCRA rules. Although I've sent Equifax several certified mail asking them to either validate or remove all inaccurate, incomplete, old and misleading information from my credit report. They are still reporting these unverified account as accurate. Without any physical evidence or documents as required by federal law. Equifax is clearly in violation of the FCRA.
Complaint sub-issue: Funds not handled or disbursed as instructed

Im trying to to get my money back from a company called XXXX XXXX   which also owns Cash app. They keep taking money out of my savings account in amount of {$160.00} which was from XX/XX/XXXX to XXXX. They would take out like {$7.00} increments for a total of 24 times. I have tried to email and still no results. Can you help me. Im XXXX XXXX XXXX of XXXX, MO Transactions Scheduled Pending Posted Filter Print Transaction Status Date Description Amount Balance XX/XX/XXXX XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX   XXXX CA XXXX XXXX XXXX XXXX XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX   XXXX CA XXXX XXXX XXXX XXXX XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX   XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX   XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX   XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX   XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX   XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX   XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX XXXX PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE XXXX CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX   XXXX, 2020 XXXX POS PURCHASE AT CASH XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX XXXX CA XXXX XXXX XXXX XXXX   XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX   XXXX CA XXXX XXXX XXXX XXXX XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX 2020 XXXX POS PURCHASE AT CASH APP*XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS PURCHASE AT CASH APP*XXXX   XXXX CA XXXX XXXX XXXX XXXX  XXXX, 2020 XXXX POS XXXX AT CASH APP*XXXX  XXXX CA XXXX XXXX XXXX This is a listing of what they kept taking. 
XXXX XXXX XXXX XXXX. 
XXXX
Complaint sub-issue: Account information incorrect

Your company, XXXX XXXX Bank, is reporting inaccurate and incorrect information to my consumer reports XXXX, Equifax, and XXXX. Your company reporting past due amounts for an account you labeled as charged-off. Your company did not have written permission from me to report any of the negative information to my consumer reports. 

Please see attached letter to understand the specifics and violations from your company. My mode of living has been affected and my ability to obtain credit to be able to take care of my family along with my children 's ability to pay for college.
Complaint sub-issue: Was not notified of investigation status or results

This company is very poor service. They do not work with the consumer or give a detailed information. I did not give written consent or said any documentation and I am not obligated to this debt.
Complaint sub-issue: Their investigation did not fix an error on your report

I CHECKED MY CREDIT REPORT AT THE END OF XX/XX/XXXX AND I FOUND THESE FRAUDULENT ACCOUNTS AND INQUIRIES THAT I DID NOT AUTHORIZE.I MADE A POLICE REPORT WITH THE CITY OF XXXX(REPORT# XXXX). I ALSO SPOKE WITH DETECTIVE CORPORAL XXXX  XXXX(XXXX). I THEN SUBMITTED THIS INFORMATION TO ALL 3 CREDIT REPORTS IN PURSUIT TO SECTION 605B(c) OF THE FAIR CREDIT REPORTING ACT, SO THAT THE CREDIT BUREAUS COULD REMOVE THESE FRAUDULENT ACCOUNTS. IT HAS BEEN OVER 30 DAYS AND I STILL DO NOT HAVE A RESPONSE FROM XXXX  AND XXXX. EQUIFAX REPLIED BACK STATING THAT THEY ARE NOT GOING TO HONOR MY REQUEST.

XXXX XXXX XXXX
$XXXX	
OPENED-XX/XX/XXXX

XXXX XXXX XXXX
$XXXX
OPENEDXX/XX/XXXX

XXXX XXXX
$XXXX
XX/XX/XXXX

INQUIRIES BELOW

XXXX/XXXXXX/XX/XXXX

XXXX/XXXXXX/XX/XXXX

XXXXXX/XX/XXXX

XXXXXX/XX/XXXX

XXXX  XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft and my XXXX card was opened fraudulently. After contacting XXXX and sending an FTC identity theft report, they closed the account but it remains in my credit report showing a closed card with balance.
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. 

XXXX account number # XXXX, XXXX XXXX  account number XXXX XXXX XXXX account number XXXX, XXXX account numbers XXXX XXXX account number XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX  XXXX account number XXXX, XXXX 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.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX, Equifax, and XXXX has violated my rights. 15 USC 1681 Section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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: 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 1681XXXX 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. 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: Company closed your account

My Citibank credit card was closed by the bank based on what I believe was an error on their part. I had a monthly auto-pay amount and when I changed from one credit union account to another, I neglected to update the autopay source with my new account but did so as soon as I was notified of " declined funds '' from Citi. Though my source fund was updated on my Citi account, the autopay still had information from my previous ( now closed ) credit union account so the following month I received another " declined funds '' notice and my account was immediately closed by Citi. This was clearly a Citibank error ; I did everything to update my financial source information, and was able to use those funds listed as my source funding to pay my balance as soon as I was notified of the acct issue -- I even got one of the reps on the phone to remove the {$29.00} " bad check '' charge because she agreed Citi accounting was off. I have been unable to find out why my account was closed, and to subsequently be able to explain the Citibank mistake. Now my credit rating has plummeted, I lost over XXXX reward points I'd been saving up, plus City owes me {$29.00}, since my account has a credit for that amount. The last person I spoke with said I should " forget about '' this account.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 ORIGINAL CREDITORS : EQUIFAX INFORMATION SERVICES LLC XXXX. XXXX  XXXX XXXX, GA XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on EQUIFAX INFORMATION SERVICES LLC Original Creditor : EQUIFAX INFORMATION SERVICES LLC account number ISNT DISPLAYED with a CREDIT SCORE OF XXXX which is inaccurate because I've been contacted by MANY companies about a debt you allege I owe several times. You also have my name listed wrong, it is, XXXX XXXX XXXX. What you have listed is XXXX XXXX XXXX XXXX XXXX! I also never lived at XXXX Whispering XXXX XXXX, XXXX XXXX, FL XXXX XXXX I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item XXXX XXXX ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Complaint sub-issue: Having problems with customer service

Fedloan is reporting past due on my loans for XX/XX/XXXX - 90 past due, XX/XX/XXXX - 90 past due, XXXX and XX/XX/XXXX 120 and 150 past due. 
I have disputed this incorrect reporting with them and they have not done anything to correct these incorrect reporting. I was granted a forbearance for all those months.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I was charged {$510.00} for something called XXXX XXXX. This is not a service I am familiar with, nor my wife. As this was a foreign charge I immediately refuted the charge with Citibank ( my credit card provider ) was was issued a new card. On XX/XX/XXXX I received a letter from Citi Bank, who reports that they ran their own " investigation '' and found that the charge was legitimate and I was responsible for the {$510.00}. The paperwork included with the letter included the address of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Florida XXXX. CitiBank concludes that I am responsible bases on XXXX verifying my credit card number, zip code and XXXX digit security code. Doing a quick internet search on XXXX XXXX and XXXX I see hundreds of complaints about this scam. I expect to be remedied.
Complaint sub-issue: Company closed your account

In reference to complaint # XXXX Citibank retaliated by closing my account which affects my credit and score.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to remove 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 accounts or information not later than 4 business days. Ive already included this in my previous Complaint # 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 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: Their investigation did not fix an error on your report

I called XXXXXXXX/Equifax after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there were Names : Addresses : Accounts : And inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus ( " DATE OF PREVIOUS LETTER '' ). I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX  XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXXXXXX Balance : {$940.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX XXXXXXXX Balance : {$95.00} XXXX XXXX XXXXXXXX Balance : {$15.00} XXXX XXXX XXXXXXXX Balance : {$90.00} XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$800.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These are all credit inquiries that I did not authorize. I have tried to report this to the credit agency, but they will not do anything about it. 
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: Didn't receive advertised or promotional terms

Home Depot employees ( XXXX XXXX and XXXX XXXX ) stated we would get 24 months of no-interest financing through our Home Depot credit card to have Home Depot resurface our kitchen appliances. The purchase was made on XXXX XX/XX/2021. Home Depot is only giving us 6 months of no-interest financing. Order # XXXX. XXXX XXXX the sales manager said he is unable to assist as he is just a sales manager with limited access.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I did not open this account. I notified Klarna and they have not been able to resolve this issue. I have contacted Klarna several times. The charges on this account are {$460.00}. 
My identity was stolen in XXXX of 2019. I have a police report.
Complaint sub-issue: Received bad information about your loan

When my daughter was getting the student loan with XXXX XXXX I was not the one who filed all the information online. Only parent information I inputted and saw no interest rate anywhere. After asking my daughter for the information on the loan for many months since the loan started I decided to contact XXXX XXXX myself on XX/XX/2019. I was not given any documents by XXXX XXXX concerning interest rate or any other mail concerning the loan. When I called to find out the interest rate of 10.5 % I asked them to stop the loan right then. The representative told me I can not stop the loan. There are many things that have been done by XXXX XXXX that makes this loan agreement void. 
They say there was interest rate disclosed online which I saw nowhere. I should not have to see every page to find this. 
The student loan rate is 5.05 % in XXXX There never given the reasons for the fixed rate of 10.5 % they apply to my daughter. This makes no fairness to a student who does not know about the loan. 
Having no written communication about the loan co-signer is avoiding a more knowledgeable person in the contract. I believe this is deliberate action by XXXX XXXX to charge the high interest rate to unsuspecting people. 

I have no file to attach because XXXX XXXX sent me no information
Complaint sub-issue: Sued you without properly notifying you of lawsuit

I sent a certified letter to Marcadis Singer Law Firm on XX/XX/2021. The letter included a notarized Affidavit of Truth including Exhibits A, and B., and a Cease & Desist Letter as well a an invoice for violation of my Federally Protected Consumer Rights under 15 USC 1692 in the amount of {$3000.00}. The Law firm is in violation of the following : *15 USC 1692g ( c ) *15 USC 1692g ( d ) *15 USC 1692i ( b )
Complaint sub-issue: Reporting company used your report improperly

Contacted XXXX via its toll free phone number on XXXX XX/XX/2022 to first inquire about an adverse notification from XXXX, Division of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, PR XXXX. Since I know nothing about this financial institution and do not conduct business with it, it will be necessary to report it for fraudulent activity. XXXX did nothing to resolve the issue during the call ; instead, the customer service representative stated they could only sign up customers for a paid monthly credit monitoring service.