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

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) XXXX ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( XXXX ) with this company for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( XXXX ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Complaint sub-issue: Trouble getting a working replacement card

Wisely card that i had was stolen and im trying to get wisely to send me a replacement card to my address were i live in XXXX XXXX my address on my license have a out of town address so they can send me a card because the keep telling my they have not received my new information when on XX/XX/XXXX and XX/XX/XXXX the sent me a link to upload my license and my new address but when i call they say that dont have it my employer up dated my information also i keep asking for a temp card for my pay check is still on the card my bills are due i have to pay my car note i need help when i call today the man agent just stop talking to me and hold the phone i had to call back i got XXXX and she cant help i ask for a supervisor and the line dead what can i do to get my money from Wisley card service at XXXX
Complaint sub-issue: Personal information incorrect

Hello, I am XXXX XXXX. I repeatedly sent Equifax my proof of identity and proof of birthday yet they continuously report my name incorrectly and my birthday incorrectly. I am not sure who they verified any of this information when I am who this credit file is on and have provided several forms of verification to prove that. Equifax willful noncompliance by continuously reporting inaccurate information shows a violation of federal law. 

I have attached proof of inaccurate information reporting along with proof of identity and birthdate.
Complaint sub-issue: Frequent or repeated calls

Greetings - I have been attempting to clear an item on my credit report that was reported by Citicard. It took me 3 weeks and XXXX phone calls to Citicard to research this item that was not recognizable to me. Citicard repeatedly told me they did not have any information on my account and to call back later. I continued to call Citicard back repeatedly and continued to receive the same statement. 

Finally, on the XXXX call, I pushed to speak to someone else and was finally turned over to Citicard 's Internal Recovery Dept. At this point, I did not have the time or energy to purse this charge as a fraud as I am in the midst of applying for a mortgage loan. I told the Citicard associate that " I just want to pay off the debt ( the outstanding balance was minimal, {$260.00} ) so that I could close this issue. '' She told me could pay over the phone, then call back in 15 days to get a zero balance letter. I said I needed the letter sooner, can I call back once the check had cleared. The associate responded yes. 

( BTW- it is ridiculous that I have to initiate a call instead of them automatically sending me the letter once the debt was cleared. ) I validated the payment I made to Citicard cleared my bank and called back 4 days later. I was then told that I could not get a Zero Balance Letter until 15 days had passed from payment. I stated this was NOT what I was told by the Citicard associate who accepted my payment. 

I clearly and specifically asked the associate who took my payment if I could call back once the payment had cleared and get the letter, and she said yes. This morning, I spoke to XXXX associates who refused to send me a letter. The XXXX Citicard associate admitted ( XXXX was her name ) I was given erroneous information by the Citicard associate when I made my payment. 

During each phone call ( XXXX in all ) Citicard attempted to collect personal data from me ; phone number, email, place of employement, etc.. I refused each time. But Citicard continued to request that I update their information on file. 

Please note - I am not entirely sure this was a valid charge on my credit report. However, given the low amount outstanding and my need to move on w/ my mortgage application, I chose to pay off the debt. Had I not been under a time constraint, I would have fought this charge.
Complaint sub-issue: Reporting company used your report improperly

Account # XXXX XXXX XXXX {$310.00} is improperly showing on credit report as its under the XXXX an that new law has passed stating that they arent to be on credit. Yet when I disputed they have said its accurate and havent removed it.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance to the Fair credit Reporting Act. This list if accounts have violated my federally protected consumer rights. 
Inquiries below have violated my rights XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Accounts below have violated my rights XXXX XXXX account number XXXX XXXX amount XXXX XXXX XXXX XXXX  account number XXXX XX/XX/XXXX amount XXXX XXXX XXXX account number XXXX XX/XX/XXXX amount XXXX XXXX XXXX  account XXXX XX/XX/XXXX amount XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX AMOUNT XXXX 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 SECTION 602 A Section 2 it also states a consumer reporting agency can not furnish an account without written consent.
Complaint sub-issue: Their investigation did not fix an error on your report

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX  sued by Cfpb before for not applying payments to consumers accounts correctly?
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, I placed an order with XXXX in the amount of {$170.00} which was not delivered. ( Order # XXXX ) XXXX tracking ( XXXX ) shows it was returned to the sender. XXXX did not notify me of the issue. The item was a XXXX gift and I did not become aware of the issue until XX/XX/XXXX. This FIRST order included a credit of {$21.00}. On XX/XX/XXXX I placed a SECOND order ( Order # XXXX ) for a similar item in the amount of {$170.00} so that my daughter could have her XXXX gift, and this item was delivered on XX/XX/XXXX. I contacted XXXX and asked for a refund for the first purchase. They also agreed to apply the previous credit TO THE SECOND ORDER. They immediately issued amount of the credit to the second purchase, XXXX ( XXXX plus CA sales tax ) because the original purchase had this discount. However, they said they would not issue the refund of {$170.00} until they completed an investigation with the shipper. XXXX at XXXX ADVISED ME TO DISPUTE THE CHARGE. The Performance Lead ( XXXX ) at XXXX documented these statements in an email which I provided to my credit card company with my other documentation. XXXX still has not refunded the full amount of the undelivered purchase because apparently they have no internal system of dealing with their errors. The credit card company ( Fidelity Investments through Elan Financial Services ) is taking XXXX 's word that the refund of {$21.00} was towards the FIRST order rather than the SECOND and will not refund the full amount. I am asking that I be made whole in my dealings with XXXX, a company which has not followed through on its commitments and has no internal processes to protect its customers from unnecessary grief and hardship due to their sloppy and incompetent performance. The FTC says the seller of an item which is not delivered must refund the payment to the buyer and deal with the shipper separately. XXXX is in violation of this law. I provided Elan Financial Services with FULL DOCUMENTATION on this matter, including email, purchase receipts, and tracking information, and they still have not issued a complete temporary credit to my account while they wait for XXXX to approve the credit. I am asking that Elan Financial Services properly apply the {$21.00} credit to the SECOND Vitamix charge and refund the ENTIRE {$170.00} for the UNDELIVERED FIRST PURCHASE. 

I paid for a replacement gift for my daughter because of the XXXX holiday. Otherwise, I would have waited to work out the details with XXXX over the phone before placing a second order. No one answered the phone at XXXX when I decided to place the order in the hope that the item would arrive while we were still visiting with my daughter. Needless to say, it took XXXX weeks for delivery, so all was in vain. Just because the XXXX order was never delivered does not erase that credit.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX  ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$590.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry Date XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Debt was result of identity theft

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 

1. XXXX XXXX Account Number : XXXX Bal : {$150.00}
Complaint sub-issue: Didn't receive terms that were advertised

I opened a XXXX XXXX  spend checking account on XX/XX/2021 under a {$250.00} promotion which stated that {$250.00} would be credited to the spend checking account if certain requirements were met. XXXX XXXX  is a division of MidFirst Bank. 

The requirements entailed that two direct deposits of {$1000.00} or more were made to XXXX spend checking account within 90 days of the account opening. If the requirements were met, then the {$250.00} promotional bonus amount is to be issued within 90 days of meetings the requirements. 

I successfully had two employer direct deposits of {$1000.00} on XX/XX/XXXX and {$1000.00} on XX/XX/XXXX to my XXXX spend account- thereby satisfying the requirements to receive the {$250.00} promotional bonus amount. 

Therefore, the latest date I should have been issued the {$250.00} promotional bonus amount was XX/XX/2021, as that is 90 days from the date of the second direct deposit I had ( XX/XX/XXXX ) which would be considered the date that I satisfied the requirements of this offer. 

I still have not received the {$250.00} promotional bonus to my XXXX checking account as of today 's date, XX/XX/XXXX. 

I called XXXX XXXX  on XX/XX/XXXX and spoke to a representative, XXXX XXXX, who told me that she did not see the two direct deposits in my account activity. I told her that I clearly see the transactions within my account history and XXXX asked me to email her screenshots of the two eligible direct deposits to her email address at : XXXX. I did this on the same day, XX/XX/XXXX. Since then, I have received XXXX response or acknowledgement from XXXX. I've sent XXXX two follow up emails on XX/XX/XXXX and XX/XX/XXXX to ask if she received my screenshots and if she can help move this matter forward and confirm that my account clearly had the two required direct deposits of {$1000.00} or more which satisfied this promotion. 

I'm now at a loss due to the lack of assistance or acknowledge from XXXX Bank. It makes no sense to me how the bank can tell me that they do not even see a record of the two direct deposits within my checking account. It is evidently there in my transaction history when I login and view my account from my end. 

XXXX XXXX  has not provided me with the {$250.00} promotional bonus amount that I signed up for when opening my checking account and this is now considered late and the {$250.00} should be issued to me as I successfully completed all of the offer requirements within the timeframe.
Complaint sub-issue: Their investigation did not fix an error on your report

The credit reporting agency is disregarding FCRA & is out of compliance. I have submitted requests for investigation on several accounts where I have not been provided verification of a debt. The company investigates the claim & validates the debt without proof of the debt provided to myself or proof that I have been provided validation per FCRA. 

accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX many of these accounts would be over the maximum reporting according to texas law even if they were valid.
Complaint sub-issue: Account information incorrect

Ran credit report for home loan. Report came back with a credit card opened that I have never had. I do not have any credit cards. Also says account was opened in 1984, I was not alive in XXXX. This needs to be removed from my credit report.
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 No. XXXX, has violated my rights. 
XXXX Account No. XXXX, has violated my rights. 
XXXX XXXX Account No. XXXX, has violated my rights. 


1

5 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: Credit card company isn't resolving a dispute about a purchase on your statement

The subject account is my XXXX Nevada XXXX XXXX Master Card. The communications have been with Cardmember Service, XXXX XXXX XXXXXXXX, XXXX, ND XXXX. The number on their latest letter is XXXX. 

I spent two nights at XXXX XXXX XXXX, XXXX North, XXXX XXXX XXXX, XXXX, CA XXXX. When I checked in on XX/XX/XXXX 2022, they collected a {$100.00} damage deposit. 

When I received my credit card statement, I saw that the damage deposit was charged to my card, even though I had done no damage. This company fraudulently charges that guests smoke in non-smoking rooms. If there was any scent of smoke, it came from the rattling old air conditioner. I complained to the hotel about several unsatisfactory aspects of my stay when they sent me a feedback form ; but unfortunately it was before I saw the charge on my credit card statement. 

I directed the credit card company to reverse the false {$100.00} charge, which they did on XXXX/XXXX/22. After that, I received a questionnaire about the nature of my dispute, which I returned with details after two days. 

On XX/XX/XXXX22 I received a letter ( dated XX/XX/XXXX22 ) from the credit card company which informed me that the reversal had been again charged to my account. They also said they had received no response from me to their request for information about my complaint. 

XXXX2022 I returned that letter to them and wrote that they were mistaken and that I had responded to their request for information only two days after I received it and that they can't be completely passive to my complaint about this unjust charge. That is the last communication between me an the credit card company. 

A XXXX search will reveal that there are many complaints about XXXX XXXX XXXX including the property in question, fraudulently keeping damage deposits. If I wanted to spend an extra {$100.00} on a room, I'd have checked into a higher class lodging.
Complaint sub-issue: Public record information inaccurate

I have been disputing for years in reference to a bankruptcy that is listed on my credit file with Equifax/XXXX/XXXX. I always submit a dispute and ask them to verify the information and the dates and they always come back and say it has been verified through a third party, XXXX XXXX. However my XXXX XXXX is frozen and has been since XXXX. So that information would be inaccurate. I am asking each credit Bureau to confirm and verify the accuracy of the bankruptcy or remove it from my credit file immedately as I have been denied Housing during this pandemic.
Complaint sub-issue: Information belongs to someone else

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX US DEPT ED XXXX XX/XX/2012 XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX A ) XXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) XXXX ( Original Creditor : XXXX XXXX ) XXXX U S DEPT OF ED/XXXX XXXX
Complaint sub-issue: Debt is not yours

XX/XX/18 I have been receiving debt collection mail at my address for a person unknown to me. This has been a recurring event looking for XXXX XXXX or XXXX XXXX over the past two years. 
Until now I have not responded ; now I believe that the association of my address and my first name may have an adverse effect on my credit. 
The parties are : ERC, XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX collecting for XXXX XXXX, XXXX  XXXX, XXXX, IL XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX CO ( ACCT # XXXX ) has violated my rights. 
XXXX XXXX CO ( ACCT # XXXX ) has violated my rights XXXX XXXX CO ( ACCT # XXXX ) has violated my rights XXXX XXXX XXXX ( ACCT # XXXX ) has violated my rights 15 USC 1681 section 602 ( a ) states I have the rights to privacy.

15 USC 1681 section 604 ( a ) section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
MY FEDERALLY PROTECTED CONSUMER RIGHTS HAVE BEEN VIOLATED! 
The above referenced accounts do not belong to me and I want them deleted from my credit report.
Complaint sub-issue: Account information incorrect

I requested verification of Account balance from XXXX XXXX Exhibit 1 show s payment never a write of XXXX next XXXX  shows past due of XXXX past due its a write off? Exhibit 2 requested hardship per XXXX XXXX recived and accepted by XXXX  letter states as verification the write balance and past due balance are incorrect.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed a judgment and  XXXX  collection accounts on my credit report with each of the   XXXX   consumer credit reporting agencies :  XXXX , Equifax, and  XXXX .   XXXX   immediately removed the errors from my credit report and increased my credit score appropriately. Equifax removed the inaccuracies a week later but did not increase my credit score appropriately.  XXXX  would not let me dispute the inaccurate judgment online, I had to call and speak to several people, and finally was given the ability to submit my dispute over the phone. 24 hours later I received notice that the inaccurate judgment was removed but my credit score was not appropriately increased. I am still waiting for  XXXX  to finish their investigation of the inaccurate collection accounts and I was told over the phone that their process of investigation is simply asking the company that reported the information whether it is correct or not. They told me they do n't require any evidence, only a verbal confirmation and they do n't actually do any investigating at all. I was shocked and felt quite powerless hearing this news.
 XXXX 
I know the judgment caused my credit score to go down and I feel it should go immediately up after being removed especially since it was an inaccurate negative mark. I also know the same to be true with the  XXXX  collection accounts.
 XXXX 
I would like help getting my credit score appropriately increased right away after the inaccurate judgment was removed, and the inaccurate collections were removed. I do n't think it 's fair that I finally got the inaccuracies removed but they are not increasing my score with the removals. It 's already caused me to not qualify for my refinance loan and I am feeling powerless against Equifax and  XXXX  refusal to correct their inaccuracies.   XXXX    was the only reporter that appropriately increased my score with the removals.