Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hey hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being past around to department. Please investigate these bureaus and have them delete these fraud accounts off my report. Attached is my ID and my Report I filed for identity theft because these accounts was not me. Have them remove these thank you.
Complaint sub-issue: Billing problem

IN XXXX I PAID MY CAR NOTE AND SET UP A PAYMENT PLAN. IN XXXX I COMPLETED THE PLAN, MY ACCOUNT WAS NEVER CREATED FOR PAYMENT. I HAVE SINCE PAID THE NOTE ON TIME EACH MONTH, SPOKE W/ A REP IN THE CORPORATE DEPT AND WAS TOLD THEY INDEED HAD NOT APPLIED MY PAYMENT. I WAS PROMISED IT WOULD BE FIXED, AS OF YET IN XXXX MY ACCOUNT IS STILL NOT UPDATED AND AFTER REQUESTING A CREDIT REPORT I SEE MY CREDIT IS BEING IMPACTED BY THIS.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I am CITI Prestige card member ending XXXX. I used CITI Prestige card to book XXXX XXXX XXXX XXXX XXXX at XXXX UT, address : XXXX XXXX XXXX XXXX, XXXX, UT XXXX. I was staying at that hotel on XX/XX/XXXX to  XX/XX/XXXX, Confirmation number XXXX. I have disputed XXXX XXXX XXXX XXXX XXXX for XXXX $ room charge on my prestige card due to the hotel service is unexpected and unacceptable. The hotel room has bed bug and I and my partner got serious XXXX at the hotel. I have pics indicating the blood staining on the bed after the XXXX and the XXXX on my XXXX and XXXX as well as my partner, as well as doctor visit documents. I contacted the hotel but they refuse to admit the bed bug XXXX and refund my money. They do n't reply my email nor willing to solve the complaint, just ignore me. The customer service of the hotel is bad. The bed bug XXXX causes us serious XXXX and XXXX XXXX and XXXX and also, we need to spend lots of time cleaning our belongings and our room for preventing the bed bug from your hotel to my home. We also need to see the doctor and waste my time to work. The room is not as we expected when we book at XXXX XXXX XXXX XXXX XXXX website using Prestige card as it claimed the room will be clean without bedbug. That 's why I dispute the charge on Citi Prestige card for unacceptable and unexpected hotel service. I received a letter from CITI on XX/XX/XXXX, and ask me to provide evidence why I believe the service is not as expected. I have contacted CITI dispute department and provide evidence by email onXX/XX/XXXX. The CITI dispute department claimed this is due to the quality of service not as expected and they can not dispute the charge. However, this is not the case when I apply for the Prestige card. You have the option when I choose to online dispute as " service not as expected '' and claimed this card is best for the customer with travel in the hotel. However, based on the evidence I provided the hotel is dirty and with bedbugs, and the confirmation email from hotel stated the room and bed will be clean, which is definitely not as what it described. I checked the Prestige card instruction of dispute and in no place stated that you can not dispute charge based on the service received. Also, the letter I received from CITI asked me if I want to continue dispute and asked me to provide evidence why I believe the service is not as expected. That 's why I spend about 3 hr. to gather information and sent to CITI on XX/XX/XXXX. If  you can not dispute based on service not as expected why you asked me to send you evidence on my side? This is totally misleading and I am really unhappy with the outcome. I really hope CITI could help me in this case at your earliest convenience and refund the charge on my account. Thank you!
Complaint sub-issue: Problem using a debit or ATM card

Last night, on XXXX, XX/XX/XXXX. Somebody hack into my square hey account in used my virtual card information to make purchases on multiple Website. I contacted square immediately after I was made aware of these transactions and while they were still pending. They said they would get back in touch with me shortly and make sure to inform all merchants involved about the fraudulent activity that occurred so they wouldnt process the transactions. Well, upon checking my account this morning on Monday, XX/XX/XXXX. Square and all partys involved approved of 12+ transactions, consisting of nearly {$4000.00} to be completed. I am considering filing a lawsuit on every party involved with the criminal activity that took place. I will make a decision regarding this shortly. All parties involved that have already been verified and approved the transactions include XXXX XXXXXXXX XXXX, SQUARE. All other parties involved but didnt approve the transactions or still pending include CURRENT FINANCIAL INSTITUTION, XXXX XXXX XXXX XXXX XXXX and XXXX. Possible parties that might be involved but have not been confirmed include XXXX
Complaint sub-issue: Account information incorrect

I recently had to pull my credit report because I was going to apply for new car and found violations on my account which will hinder me from getting new car. I understand pursuant to 15 US Code 1681a2B any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a CREDIT CARD or similar device '' should be excluded from a consumer report. Well I am pretty sure by definition listed in 15 US Code 1681a is the same as 15 US Code 1602 ( l ) credit card is any card, plated coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. By definition this is my social security card. I found several accounts which were derived from my credit card a.k.a. my social security card and should by law must be excluded from my credit report. This is a violation of 15 USC 1681a2B. I also did not give written content for none of these accounts pursuant to 15 US Code 1681b2 which is another violation. Consumer reporting agencies are to respect my right to privacy pursuant 15 USC 1681a4 and they did not and violated my rights as a federally protected consumer. I havent been able to sleep, with extreme anxiety, and I am worried I wont be able to get a new car.
Complaint sub-issue: Account terms

There is an outdated item listed which is Past the statute of limitations, I have tried to dispute this with no outcome which is XXXX # XXXX.
Complaint sub-issue: Account status incorrect

I have a credit card with XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX with no successful resolution. XXXX, Equifax, and XXXX reporting me 30 days late on XX/XX/2019. There was an error on their part. I was never late.
Complaint sub-issue: Account terms

There are numerous accounts in my credit file that are misleading by labeling information as " charged off '' and others that include past due amounts when in fact they were in XXXX. Such a designation would be inaccurate because it would indicate that this account a responsibility to the debt and the creditor had written off the account at the time of bankruptcy when it had not.
Complaint sub-issue: Debt is not yours

General Revenue sent out a collection letter XX/XX/2020. In this letter it states " Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid.If you notify this office in writing within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of a judgement and mail you a copy of such judgement or verification. Upon your written request within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor. 

General Revenue place this collection account on my credit report XX/XX/XXXXbefore validation was done, or even notifying me that there even was a collection account. I never received a letter from them until XX/XX/2020 and they mailed it out XX/XX/2020. 3 days after placing it on my credit report. 

I received this letter XX/XX/2020 and sent out a Request for Validation letter XX/XX/2020. This is not my account and has now dropped my credit score because this fraudulent account was placed on my credit report and the collection agency violated my 609 rights to have accurate information placed on my credit and gave false information and tactics in their letter of stating that sending written notice within 30 days to dispute the validity and placed this collection account on my credit before I was even notified that there was a collection account.
Complaint sub-issue: Didn't receive notice of right to dispute

Today is XX/XX/XXXX and I am responding to communication from EOS CCA. Per response from this company, it was stated that this account was received on XX/XX/XXXX. XXXX well aware that I have a right to dispute any alleged debt that a collection agencies receives in 30 days with a notice of collection. So that means I should have received a letter from EOS CCA around XX/XX/XXXX. Please provide me with proof of this letter that was sent that I NEVER received. The address of this bill is an address that I have never lived at in my life.Lastly a bill, or statement is not validation. Anyone can furnish a document as such. Where is an original agreement with my wet signature with XXXX agreeing to open this account. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor XXXX. I have received a response that does not indicate or prove I approved this credit transaction with my social and ID. I was provided billing statement. Anyone can furnish billing statements. Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft. You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( XXXX ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( XXXX ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( XXXX ) after the date of a notification under paragraph ( XXXX ). ( XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. I am proceeding with legal action as prescribed by law against EOS CCA Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureaus responsible for reporting this violation.I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. Sincerely
Complaint sub-issue: Account status incorrect

I have been disputing accounts with the bureaus and have received no mail or any updates. I have stuff on my credit that needs to be removed. I have attached letters that I recently sent but there have been more.
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim my account was charged off {$2000.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XXXX I ordered a XXXX vinyl garage with foundation kit for {$79.00} from XXXX On XXXX I logged a complaint with Comerica Bank because I received a cheap pair of socks instead of my garage. I researched XXXX  on web and found nothing but warnings about this company. Finally I reached XXXX XXXX with XXXX  who apologized and said she would correct item by sending new one tracking number XXXX and which courier claims order is lost. The courier ( XXXX  ) is a fake website and is XXXX. XXXX then says she checked with courier and yes it is lost on XX/XX/XXXX XXXX promised my refund that I still haven't received. Comerica Bank found XXXX favor stating I received my item I think they believe the delivery of the cheap socks was delivery of my item tracking number XXXX XXXX  and not the second supposed attempt to deliver my item number XXXX XXXX. They ignored all my evidence emails to and from XXXX, screenshots of tracking info, etc. I even provided the emails where XXXX agrees my item is lost and that she is refunding my money even though she has not. I'm a XXXX man who has been wronged by XXXX  and Comerica Bank. XXXX says on XX/XX/XXXX sorry big sales it will take a while. If you look online hundreds of other customers were done the very same way and never received a refund
Complaint sub-issue: Investigation took more than 30 days

I sent Equifax a certified letter including issues I was having with unverified accounts I never received a response within 30 days
Complaint sub-issue: Trouble using the card to spend money in a store or online

Hi my name is XXXX XXXX and i have a prepayed unemployment pua card from ohio.so i noticed on XX/XX/2021 the the XXXX XXXX where i was staying at the time.chaged my card 4 times..in one day..all 4 charge 's where alot..the first was XXXX then XXXX and XXXX and then XXXX ..i informed the manger  at the XXXX XXXX..he assured me that this wasn't ment and he would fix it right away..it was a Saturday XX/XX/2021 So i contacted card service 's and they said to wait to see if he fixed it.well next thing i know im at the dmv getting plates for my sons car and my card is frozen and has been since. That was XX/XX/2021 ive been asked and told several different ways to prove who i am ... ie fax email and selfies and done evey one.many times .for almost 2 mo..to no avail..the just tell me to resubmit my paperwork..because ALL I HAVE IS A PAPER COPY from job and family services..everything was stolen from me while i waited for my pua to come..it took 10 mo ... im not born in ohio so my birth certificate is XXXX and they wanted another XXXX for my ss card..i have noone..and with out my money..im back to home less and my car was imponded 2 weeks ago.i need my money desperately and idk what to do..all i have is this papper copy from job and family services..please help me Usbankreliacard  ...
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquiries on report that are unknowing. Contacted companies and was referred to contact XXXX. When contacted XXXX customer service treated me rather poorly and I 'm now deciding to just file a full complaint here about my service and credit report. Inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX An older one that I have contacted several times including by mail is XXXX XXXX. <P/>I had a freeze on my credit report for identify theft but I 'm not sure if it " expired ''. Please help me with these issues and inquiries as soon as possible as I would greatly appreciate it. Thank you very much in advance and I hope for a better response than the first reach out.
Complaint sub-issue: Their investigation did not fix an error on your report

THIS NEGATIVE ACCOUNT APPEARS AS AN UNPAID CHARGE -OFF WITH AN OUTSTANDING BALANCE XXXX. THIS ACCOUNT 'S REPORTING OPEN DATE IS ON THE XX/XX/2014. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY. IT IS REALLY AFFECTING ME A LOT.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX 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 XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; OXXXX 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 Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Complaint sub-issue: Personal information

My Equifax Report has incorrect information on my 'employer '.
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 XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX  : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

My personal information including my name, date of birth, Social security number and possibly my drivers license number has been compromised by a cyber attack on Equifax.
Complaint sub-issue: Debt is not yours

Dear XXXX XXXX XXXX : I am responding to your contact about a debt you are trying to collect. You contacted me by mail, on XX/XX/2022 and identified this alleged debt. 

Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 
State the amount of the debt when you obtained it, and when that was.
Complaint sub-issue: Problem during payment process

On XXXX XXXX XXXX I paid off the total amount of {$1100.00} owed on my Citi credit card from my XXXX bank account. On XXXX XXXX XXXX {$1100.00} was taken from my XXXX account to pay the Citi Credit Card. As of XXXX XXXX XXXX the {$1100.00} is still NOT showing up as paid on my Citi Credit Card.
Complaint sub-issue: Debt was result of identity theft

Sent in several disputes to the collection agency, and the the company. Was sent to their fraud website to fill out info several times and have still not received any info back. I have had it removed before only to continue to have it back on my credit because someone has used my social security number to open the original account and I was told the only way to remove it permanently was to dispute it on their XXXX XXXX fraud website. Which I have yet to recieve any replies.