Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card was charged for something you did not purchase with the card

Consumer Financial Protection Bureau Case # XXXX Citi Reference Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX What happened : " Our records reflect the authorization for {$0.00} to XXXX XXXX XXXX XXXX XXXX " Because the charge did not post to your account, it did not qualify for one of the benefits of your card, which is is {$0.00} liability on unauthorized charges ; therefore, an investigation was never conducted '' Your Citi Executive Response Team City did not answer the question : How did that charge get into our accouint and why does Citi dismiss it? It did get there and was not authorized so how can it be any except Fraud?
Complaint sub-issue: Reporting company used your report improperly

Someone took over my identity in XXXX and I received no notifications via phone or mail because that person changed my personal information. I sent proof to all 3 credit bureaus showing my birth certificate, bills, ID card and social security card. Equifax and XXXX are refusing to remove 64 inquiries. I do not have a drivers license yet someone applied for numerous car loans. Someone applied for student loans in Kentucky. The address showing is South Carolina. I have never lived anywhere but California. I go to school at XXXX XXXX XXXX in XXXX Ca and need one class to graduate. I have only had one job at XXXX in XXXX XXXX. My credit score was 740-760 and I am getting married in XXXX with wrecked credit. Two cards have closed my accounts. I am very upset and do not understand why these credit bureaus are refusing to correct information that is obviously wrong and I have proved that I live in California. I believe they do not care. My name is XXXX XXXX XXXX and I also use XXXX XXXX XXXX XXXX I have lived at XXXX XXXX XXXX, XXXX XXXX, Ca XXXX for over twenty years and I am XXXX. Please help me.
Complaint sub-issue: Account opened as a result of fraud

someone opened a checking account in my name
Complaint sub-issue: Account information incorrect

As noted the CFPB is aware of the XXXX XXXX issue, and how I did not consent to the opening of the card and in essence was hoodwinked by the salesperson which is a violation of the UDAP, under both Federal and kansas state law, therefore none of the three credit reporting issues should be reporting the XXXX/XXXX XXXX XXXX account as its not accurate, its unfair and deceptive and illegal. THis and the inquiry on Equifax need to be removed. The tradeline must be removed from XXXX, XXXX and Equifax.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX Balance : {$1700.00XXXX XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Didn't receive enough information to verify debt

They will not show me any proof that they were authorized by me with my wet signature to collect debt from me they are using my private information without my permission therefore it should be removed thats identity theft
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair credit Reporting act XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with fees

I have not been able to go back to Ohio where I get my mail because of COVID and XXXX issued me new card and charged me a fee for it which I didnt know about. I have not been using this and for a long time and didnt even know about it. They are now saying I can cancel the card but still have to pay the fee.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX Equifax received my certified letter to investigate collections accounts on my credit report, to verify validity, provide original creditors, person contacted for validation etc. to date I have never received any information from Equifax. In fact it has been almost 60 days and my accounts say under investigation. The fair credit act states if the debt can not be validated in 30 days they must be removed. 
Also common wealth is a third party collection company who has sold the debt. The credit laws state old debt collections must be removed when requested by the consumer. I have requested this be removed, with no response or removal. I had several hard inquiries on Equifax which I did not give approval for. I requested in writing these inquiries be removed. To date they remain on my credit report from Equifax. 
Equifax has all the wrong balance ps on my open accounts. My credit score has not changed from Equifax in months. The Equifax credit score is over 100 points lower than my other credit reports from XXXX  and XXXX. 
This is causing me unfair and unnecessary financial hardships.
Complaint sub-issue: Inadequate help over the phone

I called and spoke with an agent and then a manager asking to have my hard inquires removed. I have writte letters to each of the companies and have not received a response of validating or a letter of having the inquires removed. They are currently being showed on my credit report. 

The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my driver 's license as proof of identity.
Complaint sub-issue: Their investigation did not fix an error on your report

on all XXXX credit bureaus they have a negative report from XXXX which states i owe {$510.00} to XXXX on behalf of XXXX. The problem is I resolved the debt directly with XXXX. we agreed on payment of {$180.00} XXXX which I paid XXXX and XXXX allowed me to resume services once I paid the {$180.00}. I have informed all XXXX bureaus that 1. I never received a bill from XXXX and 2. I settled the debt directly with XXXX for {$180.00}. The bureaus claimed they investigated and still found in favor of XXXX.
Complaint sub-issue: Was not notified of investigation status or results

On two separate dates in XX/XX/2019, I submitted requests for credit monitoring due to the Equifax Breach. On neither of those occasions did Equifax even acknowledge the receipt of the claim, other than issuing two confirmation numbers.I sincerely believe they are not taking the magnitude of the problem seriously, and, are not making a good faith attempt to make the clients who have suffered a data breach of their personal data whole again.This company should not have been given a free pass to continue business as usual.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  collections on my report are wrong and should never have been put on in the first place!  1  )  XXXX   XXXX  proof of state health insurance ( due to  XXXX  ) in  XXXX   XXXX  and explained that the original creditor failed to bill.  XXXX  refuses to verify this info with   XXXX   and   XXXX    ( I d o n't know about experian ) in which both companies refuse to remove without the verification . 2 )  wrongfully billed in  XXXX   XXXX  by  XXXX   XXXX   XXXX  when service was canceled and equipment was returned within the 30 day satisfaction guarantee and proof of  XXXX  installation date. Very few disputes are taken at a consumers word and companies like  XXXX   XXXX   XXXX  can state whatever they want with with no proof and whether wrong or right the companies verification is always gold. This is very unfair! I have been trying to get my credit scores up and it 's been a roller coaster with huge dipps in my score. Please Help!
Complaint sub-issue: Reporting company used your report improperly

1.Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Amount : 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 a account without my written instructions
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On Wednesday, XX/XX/2021, I was informed by my mortgage lender that my credit may have been pulled without my permission. I checked my credit report and saw that XXXX XXXX was the company that ran the report. At XXXX, I called XXXX XXXX and informed them that I did not request a credit check. I was informed that XXXX XXXX of SELFi mortgage was the person who requested the credit check. His phone number is ( XXXX ) XXXX.
Complaint sub-issue: Keep getting calls about your loan

I have student loans with American Education Services ( AES ). My loan balances are up to date and current. My father is the cosigner on the loan. My grandfather, XXXX XXXX, who is not affiliated with the loan has been receiving phone calls from AES almost daily and sometimes multiple times in a single day. AES is calling their home phone and my grandfather 's cell phone. My grandparents have spoken with AES dozens of times and explained that they don't understand why they are calling and have no information for them. They have asked AES to stop calling. I have contacted AES and asked the calls to stop. The calls continue to come. I have contacted AES on XX/XX/19 to demand the calls stop. AES refused to confirm the calls would stop. I spoke with a woman named XXXX. AES would not give me, the primary on the loan, any information. They just speak in circles from a script. I am paying my loans. They are current. My grandparents are not involved. I want the calls to stop.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I had a loan of {$3000.00}, from the company name Loan Me XXXX XXXX. XXXX XXXX XXXX, CA XXXX was discharged on or about XX/XX/XXXX on my Bankruptcy XXXX XXXX case. 

On or about XX/XX/XXXX, Loan Me company opened up new loan in the amount of {$3000.00}, for my wife and myself. 
This above mentioned loan were never open and applied in my name and my wife. 
On or about XX/XX/XXXX, Loan Me company billing statement stating that we owed a past due in the amount of {$15000.00}. 
On or about XX/XX/XXXX, Loan Me company stated that we owed them a payoff in the amount of {$16000.00}. 

The above loan amount must never be in our name and must never be subjected for collection.
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 XXXX : USDOE/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 1681 c. ( a ) ( S ) 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. 1681 s-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: Their investigation did not fix an error on your report

I disputed the referenced accounts in XX/XX/XXXX. The Equifax credit report attached shows results that these items ( XXXX XXXX and XXXX XXXX ) were deleted from my credit file. Now I notice these items have been reinserted on my credit report. On XX/XX/XXXX I was notified that Equifax had placed XXXX Management and XXXX XXXX back onto my credit report. Back in XX/XX/XXXX I sent in an Identity Theft Report for which Equifax did receive. Equifax removed XXXX XXXX and XXXX XXXX from my Equifax credit report. I have included a copy of my Equifax Credit report from XX/XX/XXXX showing that both XXXX XXXX and XXXX XXXX had been deleted. 

I am demanding that both XXXX XXXX and XXXX XXXX be REMOVED AND BLOCKED from my credit file. Please see attached documentation I am also requesting that Merchants Credit Guide be removed and blocked from my credit file as well. I expect to have an updated Equifax showing the removal in 30 days per law.
Complaint sub-issue: Trouble with how payments are handled

My name is XXXX XXXX and I went to the university XXXX XXXXIn XXXX oklahoma. I have graduated and now my father ca n't be release from my loan due to forebearance. I have made all of my payments on time and believe it is unfair to keep my father on my loan and debt. Please address this issue so he can be removed from my loans.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out four rounds of dispute letters to the 3 credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me ( contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help. I do not have a contact with this company! THIS ACCOUNT APPEARS ON MY CREDIT PROFILE TWICE WITH TWO DIFFERENT AMOUNTS ( {$300.00} & {$530.00} ).
Complaint sub-issue: You never received your bill or did not know a payment was due

Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Elan Financial didn't follower the terms and conditions transferred from XXXX XXXX XX/XX/XXXX. Automatic payments stopped with-out my authorization and I was unaware payments stopped Causing two months to be late. Automatic payments were not made because they didn't honor the original ACH agreement., The only way I found out was when I pulled my credit during that time to see a new credit card company that I was unaware of the merger.
Complaint sub-issue: Was not notified of investigation status or results

Equifax/Equifax credit bureau did not notify my in time of the status of the reinvestigation that was received XX/XX/2022. Instead Equifax/Equifax credit bureau replied to my CFPB complaint XXXX with the status, XX/XX/2022, after 30 days. Equifax/Equifax credit bureau had ample amount of time to do the re-investigation and notify me of the status but instead they failed to notify me of the status. They are in violation of 15 usc 1681i because Equifax/Equifax did not provide me with the status of the reinvestigation. Therefore Equifax are to delete/remove the remaining accounts I wrote in about listed before.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$0.00}, {$6600.00}, {$0.00}, {$9200.00}, {$9500.00}, {$130.00}, {$63.00}, {$520.00}, {$360.00}, {$2300.00}, {$7200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account. 

6. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account. 

8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$63.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520.00} -This is not my account. 

10. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$360.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

12. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account.
Complaint sub-issue: Debt is not yours

They refuse to accept the fact that I'm not liable for the medical bills that was supposed to be paid by the insurance company due to an automobile accident Lawsuit.
Complaint sub-issue: Information belongs to someone else

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : $ XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX XXXX : {$7700.00}
Complaint sub-issue: Information is not mine

I have reported the information to the company. However, I did not receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Credco '' XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX # XXXX XXXX XXXX NXXXX 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, 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
Complaint sub-issue: Attempted to collect wrong amount

I am contacting you regarding a debt collection which has recently been reported on my credit record. I am requesting that both The XXXX XXXX XXXX ( a collection agency ), and Comerica Bank remove this item from collection and from my credit report and all banking records immediately and permanently. 
I am not responsible for this item, and it stems from a check which was issued in my name by XXXX XXXX in 2017, deposited in my Comerica Bank account, and was returned by XXXX, causing a negative account balance and major financial complications for me, including overdrawn accounts, bounced checks and payments, etc. I paid all associated fees, but after repeated requests, conversations, and consultations with Comericas fraud department, Comerica Bank failed to pursue XXXX and collect the funds. Comerica Bank instead opted to pursue me for an amount which I never received, do not owe, and am not liable to pay. 
I closed my accounts shortly after the incident, which has been three years, but Comerica Bank created a collection amount on my banking records as well, prohibiting me from opening new accounts at any other financial institution. Both this action, as well as Comerica Banks subsequent sale of the unwarranted debt to a third party is fraudulent, and allowing it to go to collection constitutes harassment and extortion. 
I ask that the Consumer Financial Protection Bureau assist me in removing this unsubstantiated debt and collection activity by The XXXX XXXX XXXX or any other agency.