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

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX  and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
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 or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item 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, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXXXXXX Balance : {$380.00} XXXX XXXX XXXXXXXX XXXX Balance : {$660.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$10000.00} XXXX XXXX Balance : {$1300.00} XXXXXXXX XXXX  XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Date of Inquiry : XXXXXXXX XXXX XXXX XXXX Date of Inquiry : 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: Problem accessing account

I called in and ask them what bank and account number to the check was cashed into and they would not give me an answer which is something that the bank would have. They are not providing me with any Bank information which is pertinent to knowing who took the money out of the account and where the money went into
Complaint sub-issue: Personal information

I have not ever had the last name of " XXXX '' that is my wife 's former husbands last name!
Complaint sub-issue: Information belongs to someone else

Equifax and XXXX reported a collection for the amount of XXXX on XX/XX/XXXX and a collection for {$1900.00} on XX/XX/XXXX. XXXX which these accounts were not created by me. Equifax and XXXX has not provided me original contracts with my signatures and they failed to reply to be with the XXXX  days of my written request. my rights are being violated and I would like them to remove this inaccurate information from my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I previously disputed inquires on my credit report that I did authorize in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The following inquires were disputed : - XXXX XXXX : XX/XX/XXXX - XXXX XXXX  XXXX XXXX : XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX   XXXX  : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX However, XXXX sent me a letter each time that the information was verified but could not produce any documentation with my signature nor my consent.
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 XXXXm a stickler for research, I found that under section 605b of the FCRA the 3 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 XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1300.00} ; If the credit bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Problem accessing account

9-19-2022 Tried to transfer money to another bank. I couldnt do it. I called customer service. After being on hold for over 2-1/2 hours. I talked to 3 different people who finally told me my account was frozen because. It was dormant. Ally claimed I never went on line or I never returned to questionnaires they sent me, with their pre-addressed and postage paid envelope! I have done both! Now they claim I have to wait until they take my account our dormancy and if I cant do it on line, I will have to call them back. They are holding my money hostage!
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

My husband I purchased a used RV from a private party on XX/XX/22 for {$39000.00}. The private party had an outstanding loan with Bank of the West for approximately {$31000.00}. The seller and us met at the local branch of Bank of the West and we paid off the loan for the seller as well the gave the seller the difference owed to purchase the RV. The Bank sent a letter to their loan office at that time saying it was paid off and to release the title to us. On approximately XX/XX/22 we received a letter from Bank of the West stating they had received payment in full and since the bank is a paperless title user, we would receive the clear title directly from the DMV. I have made numerous phone call to customer service at Bank of the West as well as visited the DMV and AAA to complete the registration. As of Monday, the DMV states the Bank of the West still has the title and is still the lienholder. 
( please see attached documentation ). I have been told that Bank of the West has requested a paper copy of the title from XXXX, and once they receive it, it will be sent to me. Something seems wrong for a this to take two months before I can register a vehicle. Thank you for your time.
Complaint sub-issue: Account information incorrect

On XXXX/XXXX/XXXX I submitted a dispute to Equifax in regards to two different charges/ from the same vendor during the same year period. I accept responsibility for one of the outstanding balances but not both due to the fact that this vendor will not allow you to have more then one account. This negative information has been removed from the other two major credit bureau 's but Equifax has refused to remove it
Complaint sub-issue: Information belongs to someone else

*The Correct and Only Spelling Of My Name Is XXXX XXXX *These Following Addresses Do Not Belong To Me I Need It Removed Immediately 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 These Inquiries Are Fraudulent and Also Need To Be Investigated & Removed From Credit Report XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXXXX 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 Accordance with the Fair Credit Reporting act XXXX XXXX  has Violated my rights. 
15 U.S.C 1681 section 602A. States I have the right to Privacy 15U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions or consent.
Complaint sub-issue: Report improperly shared by CRC

My credit history has been excellent ( i.e., 0 % utilization rate ; 100 % ontime pymts past 7 years ; XXXX open mixed accounts ; all other paid accounts in good standing ; XXXX small pd tax lien in XX/XX/XXXX ( {$5400.00} pd in 3 months ) ; avg credit history 4 yrs 7 mos - XXXX account for 9 yrs ; XXXX for 8 yrs ; XXXX small car loan opened XX/XX/XXXX ( first car loan in 10 yrs ) and 1 rate/term refinance 6 mos ago ; XXXX hard inquiries in past yr ( XXXX for refi in XX/XX/XXXX and XXXX for new home loan XX/XX/XXXX ). My Equifax Vantage score has been between XXXX and XXXX last three months but when lender ran XXXX on these exact same factors on XX/XX/XXXX a score of XXXX was issued. This will increase my mortgage interest rate a full point. 

I contacted " XXXX '' at Equifax ( XXXX - XXXX ) this evening and he could not provide a rationale for such a low score. XXXX would not provide an ID number or last name but told me my score was low because : Equifax counts utility company inquiries as " hard '' inquiries ; XXXX counts EVERY hard inquiry against the consumer - even when XXXX inquiries for the same purpose occurred on the same day. ( i.e., I was shopping for an auto loan and contacted XXXX potential lenders for a quote on the same day - Equifax counted this as XXXX hard inquiries for the year ). When I asked to speak with a supervisor XXXX put me on hold for an extended period and ultimately I was disconnected. 

My score should be much higher for all the effort I dedicate to caring for it. However, the lending industry 's shell game of having over " XXXX different credit scores '' continues to ensure that people with excellent credit will still be stuck with high interest rates. The endless choice of models based on using credit ( or not using credit ) guarantees every lender an excuse to bleed borrowers no matter how strong their credit history is. 

Please investigate my complaint into this " rigged '' system, especially the following : 1. I believe my credit score was unfairly used and manipulated to generate a false impression of creditworthiness. My " excellent '' set of credit factors for the banking, credit card, insurance and auto loan models inexplicably reversed into a " poor '' set of factors under a mortgage model - a drop of nearly XXXX points. This is outrageous and Equifax can't/wo n't explain it. If there 's no valid explanation ( and how could there be? ) Equifax must be encouraged to report the data that is excellent/positive throughout all other models as excellent/positive on the mortgage model. 

2. Equifax needs to be able to explain why a set of positive parameters under one model becomes a strong set of negative factors under another. 

3. Please also lobby to halt the practice of allowing the credit bureaus to have hundreds of scores designed to penalize consumers no matter what their credit situation is. 

I need a response quickly if at all possible due to escrow closing XX/XX/XXXX. Facing a full % point increase if these reports are not corrected. All efforts you can manage to expedite action will be deeply appreciated.
Complaint sub-issue: Account status incorrect

I was established with a rate reduction plan with XXXX private loans to pay {$340.00} a month and set agreed dates per month for 12 months in XX/XX/2017. The funds were drafted from my account via auto debit. In the months of XXXX, XXXX and XX/XX/2017 the funds were still drafting as agreed however the company didn't notify me that i needed to enroll in another rate reduction plan. And the funds agreed of the {$340.00} still continuing to draft out leaving me to believe things were fine as agreed. I contacted XXXX  and spoke to countless agents to correct this issue. Each one avoids the subject any way they can. I have recorded calls from each agent i speak with every time i call. Not at any point was i told the rate reduction program was ending or needed to be reenrolled or even that the payments had been increasing. I asked why the payments would continue to draft at {$340.00} if the payment was increased and got the response " we are going to take what ever money you owe us '' and dont have to notify you. '' The reports show 60 days late. 
I have disputed this many times with XXXX and no help. I have disputed with the credit bureaus and nothing has changed. 
XXXX has been the worst company to deal with. 

I continued to call for 2 years to have my due date changed. Each call was lies and being told to talk to this department then that department would say to talk to the other department. Back and forth between departments to simply resolve the matter in date changes. Surprisingly some of the late fees they charged were removed after i called and spoke to multiple supervisors.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

good day my name is XXXX XXXX i tried to make a demand transfer to my account in my country but the money were taken and i did not receive nothing and i was charge for the transfer fee also tried to contact them by any chance and also the bank XXXX has send before a changing bank and isuees that dont help me with nothing i could not use my card to get money from a atm so i chose to transfer and i dont have now money on either account please get back to me as i have a problem and i need those money asap thank you i did the demand transfer on XX/XX/XXXX and they didnt enter in account even at this hour. Dear XXXX XXXX The following payment has recently been processed. If you did not perform this change or have questions about this communication, please contact Customer Service at XXXX. 

Please note the details below. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Transaction Date : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Sender : XXXX XXXX Recipient : XXXX XXXX Recipient Bank : XXXX XXXX XXXX Recipient Bank Country : XXXX Confirmation Code : XXXX Date of availability : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Transfer Amount : USD XXXX Transfer Fee : USD XXXX Transfer Taxes : USD XXXX Total : USD XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - FX Rate : XXXX USD = XXXX USD Transfer Amount : USD XXXX Other Fees : -USD XXXX Other Taxes : -UNKNOWN Total to Recipient : USD XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - You have a right to dispute errors in your transaction. If you believe there is an error, please contact us within 180 days at ( XXXX ), or log onto XXXX. You can also cancel this transaction for a full refund within 30 minutes of submitting this transaction. For further questions or to log a complaint, please contact the Consumer Financial Protection Bureau at www.consumerfinance.gov or call XXXX, XXXX ( TTY/TDD ) Sincerely, XXXX
Complaint sub-issue: Investigation took more than 30 days

equifax has not been responding to me nor investigating my disputes nor sending me any proof of their investigations for the past year as a consumer this has caused major distress upon me and has ruined my reputation as a consumer due to their fraudulent actions. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account U.S bankruptcy Court XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account The following public record you are reporting is also against my rights as a consumer the original furnisher/ court has informed me they dont report data to credit reports therefore you are not following the laws that govern how to report data on consumer reports only the original creditor can report data with a written consent document. You have verified this public record without proof ( written consent ) going against 15 usc 1692 ( j ). This is an infringement upon my rights and you failing to comply with these laws have ruined my reputation as a consumer. XXXX has already complied with these laws in regards to these account proof is provided on the next page. They followed these laws, why haven't you? How are you verifying this information per law? 
I demand the following accounts be deleted immediately. 
The following addresse ( s ) are inaccurate and need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, AZ XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with fair credit reporting act XXXX  account # XXXX has violated my rights. 
15 usc 1681 section 602 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 a account without written instructions. 

15 usc 1666B a creditor may not treat payment on a credit card account under and open end consumer credit plan as A late purpose.
Complaint sub-issue: Personal information incorrect

INSPITE OF MANY REQUEST THIS CRIMINAL-EQUIFAX NEVER STOPS IN HARMING ME. EQUIFAX REPEATEDLY PUTTING WRONG ADDRESS IN MY CREDIT REPORT AS SHOWN BELOW : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX FURTHERMORE, THIS CRIMINAL IS MANIPULATING MY FICO SCORE LOWER EVERY MONTH BY PUTTING FRAUDULENT/WRONG INFORMATION
Complaint sub-issue: Fees charged for closing account

I bought a CD on XX/XX/XXXX for {$100000.00}. In XX/XX/XXXX, I had a personal crisis and told the company ( US Bank ) that I wanted to cash it in. They sent me {$98000.00}. 

I had the money deposited for three years and they sent me {$2000.00} less than I deposited? 

I do not think this is fair and wrote them explaining why. 

They told me I would not receive any more money! 

I think this is horrible and probably fraudulent. 

Please help me get more money.
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 {$0.00}, {$5200.00}, {$1600.00}, {$7700.00}, {$0.00}, {$1600.00}. 
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 ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

-- PERSONAL ACCOUNT 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account.
Complaint sub-issue: Fee problem

I bank with US bank. I get a direct deposit bi weekly. My money I was told is directly accessible once deposited. 
My deposit was sent on XX/XX/20 and received in the account on XX/XX/20. My deposit was for {$1100.00}. Plus I had like XXXX in the account as well. 
Saturday XX/XX/20 my wife and I went had a dinner drinks and went to the movies we spent about {$120.00}. Plus fast food for XXXX  bucks. 
Sunday XX/XX/20 I purchased these items Gas XXXX XXXX  for XXXX Firewood XXXX So Sunday goes into Monday XX/XX/20 and I went to work I ordered a energy drink from the vending machine XXXX bucks. Prescription medication {$21.00} Its tues XXXX XXXX XX/XX/20 My account balance is XXXX I XXXX my landlord XXXX at XXXX leaving me a balance of XXXX  bucks. Ashamed I ask family member to XXXX  me XXXX and they send it to me at XXXX. So my account should be XXXX. At XXXX that day I got a notification that I was at a balance of XXXX. Then another for -1. Then another for XXXX..all the notifications are at XXXX. So I look and my account is crazy overdrawn XXXX and my XXXX is still pending for XXXX and the XXXX XXXX XXXX went into my account and the transactions are all out of order and my account itself is totally different from what it looked like Tuesday XXXX XXXX  and also some transactions were not there yet but I got notifications that the transaction happened. I got 6 overdraft fees and my transactions were deducted all out of order my XXXX XXXX was done last. I called the bank I was told I was overdrawn on Sunday. Then I went to the bank and was made a fool of when I showed all the inconsistencies from their online banking to the notifications and balance alert notification. All failed. They gave me a paper to explain it all..and it didnt. 
On Sunday I went from XXXX to XXXX with out explanation. Some more transactions are done dropping it more with 4 overdraft fees then on XX/XX/XXXX..My account is at XXXX overdraft fees are deducted plus another two more are added on top of those. At the the end Im XXXX ..I need some help please and they have done this multiple times. Im not rich and have a family to support. Thank you in advance.