Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy. 
15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

ACCOUNTS : XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXXL XXXX XX/XX/XXXX XXXX. XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/21 I went to my local XXXX to withdraw {$200.00} from an atm at that location. The transaction completed, a receipt was provided, however no money was dispensed. I informed a clerk at the store. The ckerk stated the atm was having " issues '' for the last few days and I needed to call the number in the atm. When I called the atm company they informed me I needed to call my bank. I went back home, called my bank, US Bank. US Bank provided a provisional credit while they researched my withdrawal issue. 

On XX/XX/XXXX US Bank rescinded the provisional credit. To date XXXX XX/XX/XXXX ). after a number of calls, I have yet to be told why they rescinded the credit for the failed withdrawal.
Complaint sub-issue: Application denied

I applied for a Discover It! Card based upon XXXX recommending the card. My Bank 8 FICO is XXXX, and I gross {$47000.00} annually. I did an application over the computer and was immediately told to call a discover application specialist. When I called in, the rep stated she could not locate an open application for me. So, I went through the process with her over the phone. My application came back denied but didnt state any reason why.
Complaint sub-issue: Public record information inaccurate

I got a bankruptcy, more than 7 years ago and it continues to appear in all my credit reports, Equifax, XXXX  and XXXX. 
Supposedly the punishment for a Bankruptcy is that it goes out reported for 7 years, and those seven years have already passed, and all the credit bureaus continue to report it
Complaint sub-issue: Was not notified of investigation status or results

I am making this complaint because despite my efforts for a resolution I have failed to receive a LAWFUL remedy for fraudulent reporting of adverse accounts on my report. On XX/XX/21 I sent letters out to the credit reporting agencies XXXX, Equifax, XXXX  requesting deletions of these account but after 60 days only one account was remedied. 
They following account needs to be DELETED from my consumer report : Misleading False Reporting Unverifiable/ Inaccurate Date Opened Date Last Active Account Status and Last payment XXXX Account Number : XXXX I XXXX XXXX as the only " natural person '' and also " original creditor '' did NOT give instruction for these agencies to furnish this adverse account on my report, I do not validate this alleged debt. According to Congress law under 15 U.S. Code 1681b - Permissible purposes of consumer reports.

( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.

( G )
Complaint sub-issue: Public record information inaccurate

I have repeatedly contacted Equifax to have this bankruptcy inaccuracy removed. Equifax removes it and adds it back which lowers my credit score significantly. Equifax has had it listed as a Chapter XXXX then changed it to a Chapter XXXX. This information needs to be removed from my credit report immediately because it does not belong to me!
Complaint sub-issue: Problem with rewards from credit card

I am having discover credit card for years now. 
During last 3 months - I am facing very strange issue. Any time when I am using my work laptop to access Discover card account and use the Discover deals - Discover thinks that I am accessing my account outside of USA which is incorrect. I am very much in XXXX XXXX. No other website is thinking that i am outside of USA. 
Even " XXXX XXXX XXXX '' states that my IP Address : XXXX Due to the above and certain other issues - I am not sure whether I will be getting 5 % cash back on XXXX deal that i placed the order using my Discover card. I have been following up with Discover but not getting any serious response from them. 

Another issue - Secure message center does n't allow sending the attachments otherwise Discover customer service can see all the screen shots Infact this wrong location of Customer is impacting other Discover customers also that I am aware of. My wife and my friend also. But discover is simply in the denial mode. I had recently relocated from XXXX XXXX to XXXX XXXX  during XX/XX/2017
Complaint sub-issue: Information belongs to someone else

XXXX XXXX Inquiry from XX/XX/2018 The above inquiry is Fraudulent. Please investigate and remove.
Complaint sub-issue: Didn't receive advertised or promotional terms

Before making the porches I was informed that best buy head a promotion that was 48 months interest free by the customer service. Then I proceed with porches, then with in 6 moths the amount dabble. them I imitated contact the bust buy credit card and they put the account under investigation. then never head anything from them over a month. them continued to contact them about the account and I head enough them I called the city bank the bank said we cant help you it will have to be bust buy, right way I rushed to the store and they said it's still under investigation and waited and never gat anything from them and the next time I head from them the account was in collection
Complaint sub-issue: Reporting company used your report improperly

To whom it may concern : After reviewing my credit report, I realized that my score was lower than from which I previously checked it. I was a victim of identity theft years ago so I have had a freeze on my credit report for a long time now to which I have been trying to remove for a while on Equifax. 

The account to which I had no knowledge of was : XXXX Account # XXXX for {$2600.00}. 
I had no knowledge of this account and never presented any physical identification for this account to be open. 

The account violating my consumer rights with inaccurate reporting : XXXX XXXX XXXX XXXXXXXX According to 15 U.S. Code 1681 ( XXXX Account # XXXX ), and ( XXXX XXXX XXXX XXXXXXXX ) : 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. 

Also to this ( XXXX Account # XXXX ), each CRA is reporting a different report for this fraudulent account which is also a violation of my consumer rights. Sections such as when this account was closed, the account comments, date last active, and the payment history ( XXXX XXXX XXXX XXXXXXXX ) are all reporting inaccurate information of an account I had no knowledge of which is improper use of my credit report. Which again violates my consumer rights. 

And this information is inaccurate. 

According to 15 U.S. Code 1681b subsection 2, I never gave any written permission for this account to be in my possession nor upon my credit report.
Complaint sub-issue: Account status incorrect

Dear CPBP, I'm reaching out again on a separate but related issue to my original complaint against XXXX  XXXX XXXX ( XXXX  : Complaint XXXX ). 

Recently, I had to dispute an erroneous late payment with XXXX  XXXX XXXX. They reported that I had made a late payment, which was an error but it resulted in my credit score taking a massive hit. Eventually, XXXX corrected that information so now my account is in good standing, and my credit score, which went from a XXXX to XXXX is now at XXXX. 

However, because of XXXX 's actions, there were domino effects. I had an account with XXXX and had been paying off a 0 % APR balance for 24 months. They decided to close my account based on the information XXXX sent to them, which was based on XXXX  XXXX XXXX 's mistake. They closed my account while I had a remaining balance of {$800.00} because of a report they received from XXXX. Currently, that account shows up as a " settled '' account even though I had been making on-time payments and still have till XX/XX/2023 to complete the payment before the 0 % APR ends. 

I would like to dispute the incorrect information on my account and remove the " settled account '' from showing up on my credit report. When I reached out to XXXX, they told me to contact XXXX as their decision to close my account was based on a letter sent from XXXX. When I reached out to XXXX, they told me to contact XXXX. 

I've attached supporting documentation, showing everything that has happened ( my corrected credit report showing the XXXX  account is in good standing, my communication with XXXX  regarding what happened, the alert I received about my " settled '' account, etc. ) I'd appreciate your help once again. 

Best, XXXX
Complaint sub-issue: Account information incorrect

The Accounts on my credit file are unverified and inquiries are unauthorized
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX of 2020 I used my Citi Diamond Preferred Mastercard to purchase an all inclusive trip to XXXX, XXXX with XXXX. XXXX  ceased operations on XX/XX/XXXX of 2020 and informed customers that they would NOT be issuing refunds to customers, and that we must contact our banks or credit card companies to seek refunds. On XX/XX/2020 I disputed the charge of {$3100.00} with Citi under " Goods/Services Never Received. Initially Citi issued me a temporary credit to the card and claim they contacted XXXX regarding my dispute. On XX/XX/2020, Citi reversed my temporary credit and reissued the charge to my account. Citi stated that XXXX informed them that they had already issued me a refund, which is absolutely false. XXXX has lied to all card companies and banks and said they issued refunds to costumers, when in fact I have an email from XXXX stating that they would NOT be issuing refunds. I passed this documentation to Citi and they still sided with bookit.com. It has been well documented that XXXX has done this same thing to thousands of customers throughout the world. The Florida Attorney General and the XXXX XXXX Police Department are actively investigating XXXX for these actions. I belong to a XXXX Group titled XXXX Scammed By XXXX ''.   This group has thousands of members since XXXX of this year all with similar complaints. 
Through this XXXX group I have learned that Citi seems to be the worst credit card company about properly refunding their customers. On XXXX, 2020, I refiled the dispute with Citi and submitted documentation PROVING my case. Citi responded on XX/XX/2020 issuing another temporary credit to my account. However, they are giving XXXX until XX/XX/2020 to respond. I have no reason to believe that XXXX won't lie once again and say that they have refunded me when they in fact haven't. XXXX has been doing this over and over to all the other customers that I've met on the aforementioned XXXX Group. I also believe that Citi will once again rule against my dispute despite my providing documentation proving I am in the right. It seems apparent to me through mine, and numerous other Citi customers ' experiences with them, that Citi is trying everything they can to deny refunding their customers by dragging this out to the point where people give up trying to get their hard earned money back. I find it unacceptable that Citi hasn't yet provided me with a full permanent credit. It is my hope that you can somehow help myself and numerous other citi customers get back what is theirs. Please feel free to go to the above mentioned XXXX group and investigate for yourselves.
Complaint sub-issue: Information belongs to someone else

The items I need removed are listed in the report. I am a victim of identity theft and did not apply or open any of these accounts. I ask that the items be removed to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 

You Violated The United States Code Law 15 U.S. Code 1681b. I never gave you any written consent to report anything on my consumer report. 15 U.S. Code 1692g - Validation of debts ( You were to notify me of this in writing 5 days prior and as the original creditor, Im the only one that can validate this debt. I DO NOT validate this debt ). According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Which you have failed to do so which is a VIOLATION. 
I have not supplied proof under the doctrine by silence Engelhart v Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exist. 
It has been well over 30 days and i have not received a response. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be REMOVED and if you are unable to provide me a copy of verifiable proof, you must remove this account. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any documents/evidence I demand this following accounts be removed immediately
Complaint sub-issue: Received bad information about your loan

Hi, I applied for public student loan forgiveness two years ago, the beginning of XXXX, and my loans were transferred to XXXX at that time. I have income-driven repayment, and have made all my payments on time in the correct amount, about 23 total I believe. XXXX is saying that I have only made 10 qualifying payments total, and that I won't be eligible for forgiveness until XX/XX/XXXX ( when it should be XXXX orXX/XX/XXXX since all my payments should be qualifying ). I have called to have it fixed, the rep did try and help and said he would submit it to have it fixed, however I never heard back and this was about a month ago. I have tried getting in contact with customer services in several other occasions since then, no luck. I need to have this corrected as I am worried that I will never be eligible for forgiveness if they continue on at this rate.
Complaint sub-issue: Problem with fraud alerts

Date : XX/XX/XXXX To Whom It May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. And correct my personal information As you will see bellow, my correct identification information for your records : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been living here since XX/XX/XXXX Please update my personal number to my credit profile XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, HOMESTEAD, FL XXXX - REPORTED XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX this is an old address ADDRESS : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXXI have also please delete not my address included the following minimum XXXX proofs of my current mailing address Sincerely, Name : XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the 3 Credit Bureaus to remove this suspicious information. I think you have not validated these items 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 XXXXXXXX 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
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am ( 30 plus ) days late on the XXXX XXXX   partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account with a {$0.00} balance. This incorrect reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Complaint sub-issue: Debt is not mine

I was contacted by a collection agency today called XXXX in regards to a fruadulant debt from XXXX XXXX. They claimed I owe XXXX over XXXX dollars for a service I never ordered. They claimed that I have this service in my home and are not paying for it. I had received a box in the mail back in XX/XX/XXXX from XXXX. I called them to ask what this was about. They told me to ship it back free of charge, but to go the XXXX store. We did the next day. We continued to receive bills in the mail. I would call them and explain to them that I never ordered XXXX and their is a mistake. Each time I called when bills were coming in, the customer service said that it was a mistake and it would be taken care of. Now the collection agency has called me twice in the last few days. When I said I do not have XXXX that I have XXXX/ XXXX they did not believe me. I have had XXXX for over 23 years. XXXX today directed me to Identity Theft. And they directed me to you folks.
Complaint sub-issue: Was not notified of investigation status or results

I have been disputing incorrect late payments as well as unverified charge-offs with the bureaus since XX/XX/XXXX. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. And now, here it is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Complaint sub-issue: Debt was result of identity theft

Today, Saturday, XX/XX/2022, I just received a debt collection notice in the mail from a company called Jefferson Capital Systems , LLC, XXXX XXXX XXXX, XXXX XXXX, Minnesota. XXXX. The notice states I owe {$1100.00} from a purchase I allegedly made from XXXX XXXX XXXX. 
The notice indicates a different name than mine, but it's very similar to my name. The address they mailed it to is my address. 
I called the company and explained that I never made such a purchase from any company, and do not owe the money, and I told them to remove it and not communicate with me again. 
The representative said they would only remove the name. 
Then, I hung up. 
I went to XXXX reviews, and read page after page of complaints about this same company that apparently, looks like a scam ; either that, or someone stole my address. Now, I need to check my credit report to see if they tried to put something adverse on it. 
They also gave an address to mail payments at : Jefferson Capital Systems , LLC, XXXX. # XXXX, XXXX XXXX XXXX, XXXX, AL. XXXX
Complaint sub-issue: Information belongs to someone else

Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so. Delete XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX act # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Banking errors

PNC B ANK STOLE {$420.00} OF MY MONEY, PROMISING {$300.00} FOR TAKING THEIR CREDIT CARD + CHARGING ME {$120.00} FOR NOT MAINTAINING A CERTAIN BANACE WHEN i WAS NOT REQUIRED TO MAINTAIN THAT MONEY.