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

Membership Number : XXXX Transaction no. # XXXX XX/XX/XXXX, XXXX issued a refund for order number XXXX in the amount of {$160.00} to XXXX XXXX XXXX 

Well the refund failed, so they issued another one which also failed. 

I disputed it Wise, and wise said XXXX rejected the chargeback request. 

Every time I reach out to XXXX they say they'll talk to their Billing department. Every time I reach out to wise they literally send me the exact same email over and over again. Almost as if they're copying and pasting " The merchant rejected our charge back request.

We're now 3 months in and we've gotten no where with a refund. 13 email conversations I've had 2ith
wise and they just spam the same email over and over and over again. I've already sent them additional contact from the merchant for arbitration ... a month and a half ago.
Complaint sub-issue: Didn't receive notice of right to dispute

I went to XXXX XXXX XXXX in XXXX and I think it was in XXXX or XXXX XXXX XXXX school was closed down for federal fraud and there was a process that I could go through to get my debt removed and I went through all that and all my school debt was removed from my credit. About a year later it was all replaced onto my credit I tried to contact and explain this and they have no idea what I was talking about but I had proof at the time on my credit report it said the Department of Education had paid off all my student loans and now it is back on my credit and I am unable to get a mortgage or anything the company is FedLoan Servicing
Complaint sub-issue: Information belongs to someone else

These account does not belong to me. It was was opened XX/XX/2020. 

XXXX Account number unknown. 

Equifax was made aware over 60 days ago
Complaint sub-issue: Indicated you were committing crime by not paying debt

CASHCALL INC Account number XXXX .... 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Closed. {$2600.00} written off. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX a few years ago CASHCALL INC reported this fraudulent collection on my credit report. When asked to validate they send me blank -UNSIGNED contract that has name of a person similar to mine. As I disputed they stopped calling me but now I show they are still reporting this erroneous collection on my credit report. When I called to dispute this account they stated they were taking me to court on this account I did NOT open back in 2012 ... isn't this illegal to do? now they stated they are planning to garnish wages and are offering a settlement for account that is not mine in first place and they could not provide proof of this debt or my signature of this debt..
Complaint sub-issue: Their investigation did not fix an error on your report

Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction XXXX, XXXX, and Equifax has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition XXXX, XXXX, and Equifax has committed identity theft. This is a violation of 15 U.S. Code 1681b ( a ) ( 2 ) and information associated with 1. The inquiry was not authorized by me. 
XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized by me XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized by me. 
XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized by me XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
5. The inquiry was not authorized by me XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
6. The inquiry was not authorized by me XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
7. The inquiry was not authorized by me XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report 8. The inquiry was not authorized by me XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove from my credit report. 
9. The inquiry was not authorized by me XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
10. The inquiry was not authorized by me ONEMAIN Date of inquiry : XX/XX/XXXX Please remove from my credit report. 
11. This account is not mine XXXX XXXX XXXX XXXX Account XXXX : XXXX Please remove from my credit report. 
12. This account is not mine XXXX OF XXXX XXXX Account Number : XXXX Please remove from my credit report. 
13. This account is not mine XXXX XXXX XXXX Account Number : XXXX  Please remove from my credit report 14. Never late on this account. 
XXXX XXXX XXXX XXXX It states that Ive been late XX/XX/XXXX and XX/XX/XXXX. 
15 U.S. CODE 1666B If the creditor fail to provide documentary evidence violates the requirements of 15 U.S.Code 1637 ( B ) ( 2 ) ( A ) and the creditor can not report late payments. 
Remove items from my credit report.
Complaint sub-issue: Company closed your account

On the morning of XX/XX/21, I awoke to an email from Citi Simplicity Cards telling me that they have closed my account Citi Simplicity Card. The card had a XXXX balance and I have been in good standing with Citi for as long as I had the card. 

I was told there was no activity on the card, which is not actually true as I called Citi to change my address on XX/XX/21 of this year, actually 4 month previous to them closing the card. 

By Citi closing the card, my available credit went down and so did my credit score. I called Citi twice with no resolve and then made a visit to my local Citi branch. They graciously said they would reopen the card after a credit check, which again would be a hit to my credit report and score. I told them NO. 

This is very frustrating as Citi was able to email me for any reason at any time but no email warning about the impending doom of my card and credit scope
Complaint sub-issue: Their investigation did not fix an error on your report

I was shocked when I reviewed my credit report and found late payment on the dates below : DSNB MACYS XXXX XXXX XXXX XXXX 2016 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, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Overdrafts and overdraft fees

I am being overcharged by my bank for overdraft fees. Key Bank is the culprit. Unfortunately over the past year I've had several occurances of overdraft fees some where my fault while others where not. This month on XX/XX/XXXX I had XXXX paid for my phone bill which caused an overdraft fee of XXXX XXXX Then today XX/XX/XXXX I had another bill come out for XXXX and was charged not only another overdraft fee if XXXX $ plus a fee of XXXX $ for a recurring overdraft. That's XXXX $ in fees on bills totalling XXXX $!! These fees are not only predatory and excessive but should be illegal. If these fees are allowed by current banking regulations this has to stop! Seven months ago in XXXX I was charged XXXX $ for an XXXX cents overdraft! My bank has the discretion to either pay these bills or not. When they know my direct deposit history they know they'll get their money.
Complaint sub-issue: Information is not mine

That I have went under some names like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX something like that My name is XXXX XXXX XXXX And there has be fraud under these names and now my name ...
Complaint sub-issue: Information belongs to someone else

Credit Reporting Agencies continual violation of FCRA 605B. Along with several other consumer protection laws.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX has posted inaccurate information to my consumer report. XXXX  bank has not sent me a correct and true statement in the mail since XX/XX/2021. I want to continue to do business with XXXX  bank but this billing error has effect my credit score massively. I have not been able to apply for credit and didn't realize why until I looked at my consumer report. XXXX  bank i demand that all the inaccurate information posted on my consumer report be removed. I also demand that all late fee and charges be removed from my consumer report. This billing error is your fault and has caused me stress and made my life difficult.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX # XXXX, XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX 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 an account without my written instructions.
Complaint sub-issue: Account status

I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2021, I sent letters to Equifax and XXXX about the inaccurate and incomplete items that they are reporting on my credit report. the letters state that they don't have any permissible purpose by law to contact third parties with my private or personal information pursuant to 18 U.S.C. 1028A and I request that the inaccurate items be deleted at once. Today is XX/XX/2021 and I haven't received anything from them concerning the request. I have attached copies of the letters for your reference.
Complaint sub-issue: Account information incorrect

Yes MoneyLion is reporting past due payments on my account on 2 separate loans in the same year. Ive only had one loan
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX, California issued a mandatory stay at home orders for COVID 19 in XX/XX/XXXX until XX/XX/XXXX- and my employer went out of business because of it - in turn - I was late on a few credit card payments with my XXXX XXXX credit card. I am asking these late pays be removed due to this pandemic and its damaging my credit.
Complaint sub-issue: Reporting company used your report improperly

XXXX 2017 Equifax data breach - my information was accessed without my permission.
Complaint sub-issue: Didn't receive notice of right to dispute

In XX/XX/XXXX, I called Americollect after seeing an email notice that my credit score went down because of a debt collection. I was shocked because I was not aware of any outstanding bills. When I called the number for the collection agency, they informed me I had an outstanding bill from a hospital visit in XXXX. However, I had never received notice of this bill. I had moved a few times, including out of state. Americollect agreed to send me a paper copy of the collection notice. They never informed me of the option of disputing the claim. Additionally, I called the hospital to inform them I had never received any notice that I had an outstanding charge from the stay. I received financial assistance for that stay ( after my insurance covered part of it ), so I was never informed of any outstanding debt.
Complaint sub-issue: Problem getting your free annual credit report

XX/XX/XXXX - I tried to contact Equifax by email and ran into the same problem I had in my inability to obtain a report. Equifax told me to enter a verification code from my email address. Instead of receiving a verification code, I got something that can only be described as a phony email. In both cases, I received the following : From : no-reply@email.equifax.com Sent : Tuesday, XX/XX/XXXX XXXX PM To : XXXX Subject : Your One-time Verification Code Enter your one-time verification code to access your account SIGN INTO MY ACCOUNT Your Verification Code Dear XXXX, Thank you for requesting your verification code by email. To complete your authentication, use the following code : Please note that this verification code will expire in 30 minutes.

If you did not initiate this change or believe an unauthorized person may have accessed your account, please contact Equifax support. 
Sincerely, Your Equifax XXXX XXXX  Team Privacy Policy | Terms of Use | FCRA Copyright Equifax XXXX Please do not reply to this email. For help, visit Equifax XXXX
Complaint sub-issue: Account status incorrect

This is a billing error dispute for my XXXX  XXXX XXXX Home Equity Line of Credit account. 
Since XX/XX/XXXX, I have not received any of my paper billing statement for my XXXX XXXX XXXX Home Equity Line of Credit ( HELOC ) account. Each month since XX/XX/XXXX, I have sent XXXX XXXX XXXX letters requesting that they send me a paper statement so that I may know what amount to pay ( minimum due ) and by what day I must pay ( due date ). XXXX  XXXX XXXX has failed to send me paper statements for the month of XX/XX/XXXX to XX/XX/XXXX, for all the months of XX/XX/XXXX, and for XX/XX/XXXX through XX/XX/XXXX. I recently pulled my credit report and all 3 major credit bureaus show that XXXX XXXX XXXX is reporting my account past due for all months since XX/XX/XXXX. On XX/XX/XXXX I contacted XXXX XXXX XXXX by phone and XXXX XXXX XXXX acknowledged that because of an error in their system, I have not been sent any of my statements since XX/XX/XXXX and that they will be sending out a paper statement in the mail within the next few days. I was also informed that I have a past due balance of approximately {$14000.00} dollars that I must pay. Per XXXX XXXX XXXX, my minimum payment due changed on or about XX/XX/XXXX. If I would have been given my paper statements, I would have made the correct amount due. I want to dispute the past due balance as several billing errors occurred because I did not receive any billing statements since XX/XX/XXXX. Every month since XX/XX/XXXX, I sent XXXX XXXX XXXX a written notice stating that I have not received the statement for the month I mailed out each notice.
Complaint sub-issue: Account information incorrect

Accounts are not mine I have no knowledge of tgrm
Complaint sub-issue: Debt is not yours

Ive reached out to ERC several times in writing requesting validation for the debt, Each time they send me back some documents that does not explain or validate the debt. I called and spoke with a representative and they told me that this is from an account in 2007 with XXXX. I explained to them, Ive never had this provider and they did not have any suggestions to fix this issue.
Complaint sub-issue: Received bad information about your loan

Did not get correct exit information with loans. Had no idea that my loans had to be under a certain repayment plan for them to qualify for PLSF. This is a way for a large company to make money off of young students. So I have been paying on my loans since XX/XX/2004 and there is no relief for a middle class hard-worker. When talking to other people the same has happened to them. When talking to my lawyer she said this a a type of criminal act. We are looking into other options, but I think being fair to everyone is the way to go. I just think they are taking advantage of people and hold nothing back.,
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX XXXX XXXX XXXX # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
DEPT OF EDUCATION/NELN XXXX XXXX XXXX XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX DEPT OF EDUCATION/NELN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/NELN XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX XXXX  # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

First call I received XX/XX/23 from Americollect they said I had a XXXX  debt. I told them I dont have any outstanding debts and I havent received anything in the mail. XXXX told me oh you probably havent received it yet. She told me if I gave her my birth date she could look it up. I told her no thank you and that I thought it was a scam that I was not giving them any of my personal information. I then checked my credit report and discovered that Americollect had did a soft inquiry on my credit report, there was nothing sent to collections. Second call was XX/XX/23 I still have no idea what the debt is for. they still would not give me any information until I provided my full birthdate. I once again told them XXXX not giving out that kind of information and that they have XXXX days from the day they first contacted me to send me a verification letter, which I have yet to receive. I was told XXXX was sent out I have not received anything. I also asked them to stop contacting me that I have no outstanding debt and this is harassment.
Complaint sub-issue: Problem with rewards from credit card

As part of the XXXX XXXX XXXX XXXX Credit Card program, if you spend {$1200.00} in a calendar year, you are eligible for Platinum rewards in a tiered based reward system. I spent ( consciously ) to the {$1200.00} threshold within the calendar year, but was not rewarded with Platinum status. 

I called the customer service department in XXXX after receiving my XXXX statement which did not reflect the Platinum status I earned. The customer service rep said she would open a case and get back to me. I have not heard back, and as of XX/XX/XXXX my rewards status has not been updated. 

I have statements which prove I met the spend threshold in XXXX, and I would like to be upgraded as required per advertising. Otherwise, this is a XXXX violation.
Complaint sub-issue: Account information incorrect

Most recent attempt to get erroneous information not accurate removed from my credit report. Equifax continue to list items as verified when the accounts are not verified cease and desist from these negligent and harmful actions to my credit were submit to dispute this false information. They continue to list when other bureaus have since removed this account due to unvalidate fraudulent reports for collections accounts. 

XXXX XXXX continue to supply inaccurate addresses and refuses online access on my file. I complete several form requesting online access and I am still refused access to file to have these inaccuracies removed. when applying for credit the actions are returning adverse due to inaccuracies in my XXXX XXXX file that they refusing me when my identity has been verified. Its been more than two years since I have been provided access to my file.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX Date of Inquiry XX/XX/2020
Complaint sub-issue: Information belongs to someone else

There Was A Credit Card Account Opened With PNC Bank. I Have Fought With PNC For Years Over This Credit Card. I Informed Then Right Away That It Was Not My Account. I Have Submitted Complaints And Several Disputes On All 3 Major Credit Companies And Still No Resolution. I Have Been Trying To Have This Removed From Credit Report For Years. The Account Was Opened On XX/XX/2016. Balance XXXX