Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem using a debit or ATM card

My bank card and account are administered by Wisely, ADP is the agency that handles the fraud complaint. 

I had XXXX unlawfully deducted from my account on XX/XX/2022. There were 3 withdrawals made in XXXX XXXX NJ, one for {$500.00} made at XXXX XXXX  est this was at a XXXX XXXX  located on XXXX XXXX in XXXX NJ. One for {$300.00} made at XXXX XXXX  est from a XXXX ATM located on XXXX  XXXX in XXXX NJ. One for {$180.00} at XXXX XXXX  est from the same XXXX ATM located on XXXX  XXXX in XXXX NJ. The times are important as you will see. My ATM card has a cash withdrawal limit of {$1000.00}, also important as you will see. There was also an attempt from a XXXX XXXX ATM located in XXXX at XXXX and XXXX on the XXXX of XX/XX/2022. 

I live 2 to 2.5 hours away from XXXX NJ and XXXX, I have never made any type of banking transaction anywhere near that area, and my card CAN NOT be used OUTSIDE of NJ without first going on-line and allowing out-of-state transactions to happen. 

I found out about the unlawful charges on XX/XX/2022 at XXXX est, and reported the unlawful transactions immediately. Calling the bank at that time. 

I was told to wait for a letter that I would have to sign and return. That " Statement of fraud '' was received via US mail delivery, on XX/XX/2022, I immediately filled it out and returned it to the email address on the letters as directed. 

We received a DENIAL letter on the XXXX of XX/XX/2022, alerting that " The investigation has been finalized and we've determined that there was no error. Records analysis indicated that no fraud has occurred as investigation results match the information on file. No credit will be issued. '' Upon receipt of the letter I called the bank and inquired as to when the investigation took place and was told that a determination was made on the XXXX of XX/XX/2022, and the letter was sent out the next business day. 

How could an investigation take place in the short amount of time from when I emailed the " Statement of fraud '' letter at XXXX XXXX  est on the XXXX, and the result of the investigation had been completed on the XXXX of XXXX? 

A TRUE investigation would have noticed that there was a withdrawal at XXXX, and then another withdrawal at XXXX, over 100 miles away, and takes 2 hours to drive to. Not to mention the XXXX withdrawal that I DID MAKE at XXXX should have been DECLINED for breaching the XXXX cash limit withdrawal PER CARD. I should have been notified on the XXXX that an attempt to use my card was made in XXXX which also breaches the out-of-state card notification. What kind of investigation was completed??
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/22 I sent a letter to the companies listed on letter asking them do they report accounts to the credit bureaus, they stated that they do not via letter. So if thats the case how the XXXX did they verify " my '' accounts as accurate. They never did a FAIR INVESTIGATION ACCORDING TO 15 USC 1681. 15 USC 1681 SECTION 603 NUMBER 3 E STATES THE TERM INVESTIGATIVE CONSUMER REPORT MEANS A PORTION THEREOF IN WHICH INFORMATION ON A CONSUMERS CHARACTER, GENERAL REPRESENTATION, PERSONAL CHARACTERISTICS OR MODE OF LIVING IS OBTAINED THROUGH PERSONAL INTERVIEWS WITH NEIGHBORS, FRIENDS, OR ASSOCIATES OF THR CONSUMER REPORT ON OR WITH OTHERS WITH WHOM HE/SHE IS AQUANTED OR WHO MAY HAVE NOT JUST CONCERNING SUCH ITEMS OF INFORMATION. How was a proper investigation done? It wasnt.There are addresses that have not been removed from two of the 3 bureaus when they should have. The credit bureaus have violated my given rights under 15 U.S.C 1681 according to 15 U.S.C 1681 section 602 states that I have to privacy, also according to section 15 USC 1681section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 1681 s2 a1 a person should not furnish any information relating to a consumer to any consumers reporting agency if a person knows or has reasonable cause to believe that the information is accurate.
Complaint sub-issue: Information belongs to someone else

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Debt is not yours

I disputed this enhanced recovery corp account and did not get a proper dispute result. The validation letter I sent reads as such : I checked a copy of my credit report and realized that there was a collection reported from your agency, which I was not notified about. I do not reject to provide with the debt amount. However, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), that your claim is disputed and a validation is demanded. This is asking for proof regarding the debt that I owe and verifying it.
I am requesting you to stop all collection activities including reporting this information on my credit report. I am sure that you are aware of the fact that non-compliance with this request may end up in legal obligations.
<P/>
Please dispatch copies of the following with your reply : 1. The agreement which authorizes you to collect debt on the assumed debt.
2. The signed agreement from the debtor confirming to pay the debt.
3. The documents regarding the payments made on this account and validation of the amount.
<P/>
enhanced recovery corp failed to validate this account. This account need to be removed immediately. enhanced recovery corp is violating the laws. There are two accounts from Enhanced recovery corp on my credit that needs to be removed.
Complaint sub-issue: Didn't receive notice of right to dispute

I checked my credit reports and noticed that XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are fraudulent inquiries, I never authorized.
Complaint sub-issue: Public record information inaccurate

I had a bankruptcy discharged in XX/XX/XXXX. XXXX waited 10 years after my bankruptcy and put it back on my credit. I had to fight with all the credit bureaus to get it removed. I sent in my bankruptcy papers to Equifax to have it deleted. Equifax ADDED the bankruptcy to my credit file. I spent 3 hrs on the phone arguing with them to have a young woman from overseas state that my bankruptcy was filed in XX/XX/XXXX and would remain on my credit for 10 years. I sent a schedule showing them listed as an unsecured creditor and also the discharge papers. Equifax will not admit they made a mistake by placing an 11 year old bankruptcy on my credit and said I needed to dispute it. Why would I need to disputed something they added to my file incorrectly? I have been going in circles with them regarding this bankruptcy and I am at wits end. Please assist me with this. They Equifax operator said the bankruptcy has never fallen off my credit ... from XX/XX/XXXX??? This is unreal!!! These credit bureaus do not have the right to ruin lives and upset you day to day life style ... and then take their time to correct the error.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In 2017 my wallet was stolen. It contained my drivers license, social security card, credit cards and other information. I have contacted the companies, filed a police report, and contacted all of the credit reporting agencies. I placed an extended fraud alert. The other 2 agencies removed the fraudulent inquiries. Equifax removed some but not all of the fraudulent inquiries. I have sent the required information to them as well.
Complaint sub-issue: Information belongs to someone else

I am the victim of identity theft. Many attempts were made by someone else trying to open accounts in my name. My information has been compromised in a few data breaches. The following inquiries are fraudulent and not made by me : XXXX XX/XX/XXXX IXXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX-XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account status incorrect

I sent dispute letter to all credit bureau to dispute inaccurate information on my credit report according to the The Fair Credit Reporting Act all information must be 100 percent accurate across all bureau XXXX  XXXX ( Equifax XXXX ) XXXX XXXX XXXX ( XXXX Equifax ) XXXX XXXX XXXX XXXX ( Equifax ) these are some of the item like these that need to be removed
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX  Account # XXXX and XXXXXXXX XXXX XXXX XXXXXXXX XXXX # XXXX have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Account status

I 've asked this company several times to remove themselves from my Credit Report. Please have them removed from my Credit Report as they 've been leaching on it since XX/XX/2014!!!
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/19 XXXX put me in loan Forbearance even though I did not request it. this is a problem because, even if I make payments while in forbarance ( which I did ), they do not count towards qualifying payments for loan forgiveness. I have requested to have that forbearance removed twice to no avail. 

I just noticed that they also did it this past XX/XX/XXXX. I was hung up on during my last phone call by XXXX employee # XXXX. I'm trying again now.
Complaint sub-issue: Information belongs to someone else

Equifax continues to keep fraud alerts on my credit profile. And will not remove them.
Complaint sub-issue: Frequent or repeated calls

Within two ( 2 ) days from XX/XX/XXXX-XX/XX/2020 I have received three ( 3 ) telephone calls from Discover Card demanding payment of the monthly bill. In addition, within one ( 1 ) week I have received numbers emails demanding said payment. 

This despite my two ( 2 ) letters to Chairman of the Board and President XXXX in which I stated that because of the coronavirus I am unable at this time to make payments. 

This too in addition to complaints against Discover Card I have filed with the Consumer Financial Protection Bureau. 

Apparently Mr. XXXX and Discover Card have never heard of the coronavirus pandemic and the inability of tens of millions of Americans because of the coronavirus to pay their bills! 

Mr. XXXX are being unpatriotic and un-American! And it is a disgrace and an outrage!
Complaint sub-issue: Investigation took more than 30 days

I sent a 609 letter to Equifax onXX/XX/XXXX21 disputing 2 accounts i mailed them certified they received them on XX/XX/XXXX-21 it now XX/XX/XXXX21 i have not received a response from them I sent a 30 day dispute letter to Equifax onXX/XX/XXXX-21i mailed them certified they received them on XX/XX/XXXX21 it now XX/XX/XXXX-21 i have not received a response from them
Complaint sub-issue: Problem during payment process

In the last two months everytime I try and make a payment to my account for Home Depot which is owned and operated by citibank I have to call them because their website is not working. Last month I was on the phone for almost an hour just to make a payment because their system was not correctly operational unless you open a private browser unless you put in a secure code which you had to call them to correctly put into the browser by two factor authentication you usually put in the numbers they send you through text. There were additional numbers and instructions you had to follow in order for it to work properly as I was told by the customer service rep. Today i was monitoring my credit on XXXX   XXXX and saw i needed to make a payment again. i followed the instructions per the last time i spoke with home depot and again the site was not working. this time they have autopay set up. I did not want to deal with it again so I tried setting up auto pay only for the browser to repeatedly tell me my info was incorrect. The information was no incorrect which led me to beleive the browser must not be working, AGAIN!. Also i noticed the browser was also insecure it was an insecure browser so now i have been putting my information for my banking and im furious. I called the company and they immediately told me that their system was down and they were aware. I said, can i have literature on this please. They said no we dont have any literature. I complained to her and stated that I was trying to make a payment and that their browser was insecure. They asked if i wanted to speak with a supervisor. I said yes. I spoke with them then she took my payment over the phone and said oh we have this acct on file which was the information that was not being accepted. I am very upset that this is not credit company is incompliant with secure services and believe that my information might have been compromised. I am asking that they dismiss my credit with the company because of the security issues that their company continues to have.
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached out to ALL XXXX credit bureaus- XXXX XXXX XXXX XXXX Equifax several times to have this account with ( XXXX- name reported on my credit report ). The first time was for them to verify this account- XXXX and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the XXXX credit bureaus CAN'T verify this account and present me actual PROOF of their method of verification of WHO they verified this account with and the actual ORIGINAL DOCUMENTS bearing MY SIGNATURE.
Complaint sub-issue: Frequent or repeated calls

Constant repeated calls, inflated amount owed nearly doubled, offered settlement with no negotiation. Lost my job due to XXXX took 6 months to get unemployment check but they didnt want to hear that. Very rude.
Complaint sub-issue: Billing problem

I called the company to make a payment, which included late fees. 
The late fees were not removed and I was billed for the again. {$280.00}. 
I have since made an additional payment for the regular loan payment amount. I am billed again for the late fees which have already been paid.
Complaint sub-issue: Old information reappears or never goes away

There was a XXXX bill from 2014 that was last active in XXXX 2014 and then XXXX closed it and it went to collections with Jefferson Capital Systems. Despite the fact that the Federal Statute of Limitations is 2 years on cell phone bills and the Minnesota statute of limitations is 6 years this is still on my report going into 7 years now. I have disputed it with XXXX, XXXX and XXXX and they keep turning it down for taking it off my report which I think is a violation of the fair credit reporting act.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

I received a notice from Johnson Mark LLC, XXXX XXXX XXXX # XXXX, XXXX, UT XXXX regarding XXXX  XXXX credit card debt. I lost my job and had no way to pay the debt. I moved to XXXX and informed the law firm that I was filing bankruptcy in XXXX & XXXX 2020, and they purposely filed a law suit in XXXX  where I only lived for 3 months. They knew I moved to XXXX   and I gave them the name of my bankruptcy attorney, XXXX XXXX office with the phone number. 

I believe this is a deceptive practice because they filed in a former state knowing I had moved and the new address was also on record with the credit agencies. This is deceptive because I told them I was filing bankruptcy, gave them the bankruptcy attorney 's information and they proceeded to try to file for a judgement in another state knowing I no longer lived there. 

Please send this information to XXXX XXXX as well because this is very deceptive and crooked. Johnson Mark LLC is a third party hired by XXXX XXXX who behaves in a deceiptive manner to try to collect debts.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I have been a customer of Citi bank for years, so I was very surprised when I received notice that my credit limit had been cut in half ; especially given I had never missed a payment with them. After calling the number provided, I was told that the reason for this was that another credit card I have from XXXX XXXX XXXX reported I had a late payment the previous month. So as any concerned responsible consumer I called XXXX to ascertain why this information had been reported ; after a week of back, an forth it was found that this reporting was done in error. So XXXX sent the paperwork to all XXXX bureaus to have this removed as of XX/XX/XXXX, but when I called Citi they said that they could not see this ; despite even being told I have a letter from XXXX that states it was an error, and the information was requested to be removed. I was then told by a supervisor that they would monitor/look for the update, and would then submit a reinstatement when they could see it. So this week, as of XX/XX/XXXX, I got the XXXX credit report ( which is what Citi stated is the only they use ), and found no erroneous data. In calling back to Citi they now are stating that they still can not reinstate my limits due to paid/closed accounts from XX/XX/XXXX ; which were there when they approved my card initially, and subsequently increased the limits in XX/XX/XXXX. I stated that made no sense, as they would have denied me the card initially, and definitely the increase last year. They stated that the department they work in did not make those decisions, and could not comment on why, and stated there was no one I could speak to further on the matter. I find this to be unacceptable, as this was all the result of a mistake not made by myself, nor had I any missed payments with them ; or any other company for that matter. This has caused a XXXX point drop in my credit score due to what the utilization now states, which gives that appearance that I am not a good risk/customer to do business with. I have listed my desired outcome below ; in the event this is not resolved I feel my only recourse is to seek out legal action against such business practices.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed these medical collections in XX/XX/2018 and XX/XX/2018 and they came back with my personal information including my test results. I did not give the hospital permission to release my personal information such as specific treatment and etc outside or basic collecting information. Which is a HIPAA violation and a violation of the FCRA.
Complaint sub-issue: Report provided to employer without your written authorization

On XX/XX/2020, I requested a credit limit increase on my XXXX XXXX card. I requested a limit equal to that which I have on my XXXX XXXX card, about double the current limit on my XXXX XXXX card. I have had the XXXX card for several years and have a 100 % on-time, in-full payment history. 

On XXXX XXXX website, it states : " Once you submit your request, well need to obtain a credit bureau report. '' At no point, either in full-size or small print, does it provide that this inquiry will be a hard pull. I have recently requested my credit limits raised on other cards -- no company ever performed a hard pull. I consented to a soft pull of my credit report. I did not and would not have consented to a hard pull just to raise my credit limit. 

XXXX XXXX blog does a good job of laying out the commonly understood differences between hard pulls and soft pulls : " A hard credit inquiry occurs when a potential lender examines your credit report and uses that information to decide whether to extend an offer for credit. For instance, if you apply for a home mortgage or a car loan, your lender will make a hard inquiry of your credit to help determine if you qualify for the loan. A soft credit inquiry, on the other hand, is a more routine check that can be done without your permission. A common example of a soft inquiry is when a lender youre currently doing business with checks your credit to make sure youre still creditworthy. You can also trigger a soft inquiry yourself if you check your own credit. '' ( XXXX XXXX XXXX ) XXXX is a bank with which I have a current business relationship. I was not applying for a new loan or mortgage with XXXX, merely seeking to increase the credit on a preexisting credit card. When I accepted that XXXX would look into my credit when considering an increase, it was based on the reasonable and commonplace understanding that a soft pull would be performed because of the context of the existing relationship. XXXX has the lower barrier to avoid this kind of miscommunication, as XXXX could easily modify the language on its website to specify the type of credit inquiry ( a hard pull, rather than a soft ) and could provide fine print regarding the ramifications of a hard pull to advise consumers. I have reviewed other complaints in the CFPB system and see that I am not the first XXXX customer to have been surprised by a hard pull. 

As a result of XXXX XXXX unauthorized hard pull, my credit has now dropped from " excellent '' to " good. '' This has occurred as we are trying to raise our credit to buy a home -- the only reason I was looking for a credit increase was to shrink my utilization ratio. I attempted to resolve the issue with XXXX XXXX   customer support, but unfortunately, the representatives were patronizing and not helpful. I am a reasonably informed consumer, with the additional benefit of having worked in contract law and with the Fair Credit Reporting Act. The language as it stands on XXXX XXXX website is not sufficient for consumers to provide informed consent for a hard credit pull.
Complaint sub-issue: Investigation took more than 30 days

This was not sent in error i am a consumer by law and my information is miss used and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my report.