Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't stop withdrawals from your account

I have been reporting frauds in my savings and checking accounts. 
Reporting to FBI and police : I have previously been a victim to chase XXXX wire fraud XXXX XXXX XXXXXXXX XXXX 2019. 

citi bank has illegally CREATED A VIRTUAL CARD .In which has damaged my credit report. They are refusing to provide me with these numbers and verification of closed account. 
I was told yesterday. They were faxing a letter to provide my lender : in which they never complied. I have over XXXX worth of false charges. They refused to change the numbers on account. They are not crediting me for these frauds. 

I am in the process of losing my loan agreement. ( as I did not grant permission to open this ) it was a result of a 8 digit expiration date that is creating glitches in the merchants machines. 
As a result of this fake virtual account : if I have to take early from my ira to buy the property. I will have tax penalty that they will be accountable for, This month and last I have damages of {$4000.00}. 
This is wire fraud and account tampering. as well as not following a customer directive with my own money. Its bank robbery and the management need to be accountable. For this on going harassment 6 yrs. 

I am living in a hotel XXXX waiting to close and citi won't provide the paperwork delaying me 1 week all ready at a cost of XXXX a day.. 

THIS HAS BECOME A DAILY FULL TIME JOB> I need help!!
Complaint sub-issue: Reporting company used your report improperly

The Equifax hack has resulted in my personal information being released into the public domain. I 've attempted a credit freeze with equifax, however both phoning and web attempts to freeze my account have been unsuccessful. The phone number provided by their website does n't actually offer the option to freeze my account, and the website does n't load.
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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, has violated my rights. 

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

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

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

I want to get the period of late payments removed from my credit report because I paid off the loan early
Complaint sub-issue: Seized/Attempted to seize property

This debt is an old debt back from XX/XX/XXXX that I have been harassed by primus financial for. I currently have a modification saying that I owe XXXX that was dated XX/XX/XXXX. They garnished {$60.00} from me on XX/XX/XXXX. On XX/XX/XXXX they took {$370.00} out of an account that was not mine. I am a signer on someone elses account and they took money out of their account, and my savings and checking. They left all accounts with a zero balance. The person whos account they took from is not my spouse and it is not their debt.
Complaint sub-issue: Didn't receive enough information to verify debt

The credit collection company has not proved Iown the debt and continue to " reage '' said debt on my credit report by adding or misusing a dollar to update the debt.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$320.00} XXXX XXXX {$90.00} XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX  XXXX {$210.00} XXXX XXXX XXXX  XXXX {$2200.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the accounts listed below have 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. I would like the following accounts removed from my credit report for violating my rights : XXXX of XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXXXXXX ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX  XXXX ACCT XXXX XXXX Thank you for your help in this matter.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 



I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Complaint sub-issue: Debt is not yours

XXXX  XXXX XXXX XXXX CITIBANK - XXXX is listing an account as Citi Bank account ton my XXXX  report. My social ends with xxx-xx-XXXX, the account is not mine and has a different social and name. Citi Bank removed it last year and now it appears again.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

I did not authorize anyone to use my information or to be given to a third party. This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not agree to any membership, loan or credit card. My personal info had been used to process transactions and open an account under my name without my knowledge. I never gave authority to open such account. It is not authorized and I have never given permission for it to open and charged. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. This is a scam & I was defrauded. This inaccurate account is being reported in my credit records and is hurting my financial stability. I am a victim of fraud and theft. I have requested multiple times for verification of this account and send out dispute/demand letters on the following dates : XX/XX/2021, XX/XX/2021, XX/XX/2021 & today XX/XX/2021. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. I need help in this situation because I can not refinance many loans I have or obtain new lines of credit.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a credit inquiry dated XX/XX/2017 from CARMAX that I did not authorize.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Senor Dinero has illegally and unethically repeatedly withdrawn money from my bank account. I have written them several times revoking XXXX  authorization because the loan is paid but they continue to do so. 

I've also asked them to cease and desist and to not contact me. However ; they are continuing to harrass me via phone, email, and have contacted my relatives and associates in an effort to embarrass me. 

They do not follow Debt Collection Laws and should be out of business
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  name XXXX XXXX account # 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 : its also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Account status incorrect

I contacted Equifax several times reguarding this. I have an open auto loan with a local lender. The account was a removed from my report incorrectly effecting the credit dramatically. It dropped my score by 60 points! Ive contacted the dealer who informed me that they are still reporting to equifax and that everything on there end is correct. They also informed me that they have tried to contact equifax them selfs to see what the problem is but were told because its not there credit file that they can not do anything about it.
Complaint sub-issue: Account status incorrect

In accordance with the fair trading act my rights of privacy has been violated with my consumer rights disclosed without knowledge. 
I have 7 hard inquiries I didnt authorize due to my information on the far web. 

The bankruptcy was not reported accurately. The date listed on each item listed as negative impacted by credit report was paid off prior to the bankruptcy filed.
Complaint sub-issue: Problem with personal statement of dispute

This account was removed from my account on XX/XX/2022, after i requested additional information and they were unable to do so. Now the dept was added back without the proof. This dept was sold to another company and added and this account was proven to not be mine.
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 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 XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Personal information incorrect

I have new and updated information regarding my Equifax consumer credit report and file. There are inaccurate names and addresses being reported on my behalf. Pursuant to 15USC 1681 ( a ) ( 1 ) the banking system depends upon fair and accurate credit reporting. Furthermore, consumer reporting agencies ASSUMED the vital role of assembling and evaluating consumer credit and other information on consumers. However, I did NOT provide Equifax any form of written instructions to furnish, accept or report anything on my behalf, pursuant to 15USC 1681b ( 2 ). Equifax is tarnishing my personal reputation and violating my federally protected consumer rights.
Complaint sub-issue: Investigation took more than 30 days

I have written four letters disputing XXXX from XXXX, Equifax, and XXXX. I received letters stating that they updated the information. After the 3rd and 4th letter, there was a longer delay in getting a response. The delay took longer than 32 days.
Complaint sub-issue: Attempted to collect wrong amount

I rented apartment at XXXX XXXXXXXX XXXX  and my application was approved with {$1000.00} deposit in month of XXXX XXXX after i moved in month of XX/XX/2021, while staying with family in 2 Bed/2 Bath apartment i received lease violation notice after 2 months mention that my wife also living with me and i did not add her as tenant. I mentioned them about there was no place to add while doing application online. 

i was told it's an easy fix, all they need is name, SSN and D.O.B plus {$75.00} for applicating fees. 2 days later they ran my credit instead of my wife and i was told that now i have to pay additional {$1000.00} top of existing deposit. when i revised my lease no where it says each individual has to pay {$1000.00} deposit. when i mentioned them they forced me to sign addendum addition to my lease.

so i denied and i was told that either i have to sign or i have to vacate their apartment.

so i decided to Vacated my apartment. after vacate my apartment they keep {$1000.00} deposit plus they asked me to pay additional {$3100.00} 2 months rent since i am breaking their lease.

After they sent me certified copy i object that amount and submit complain to XXXX XXXX XXXX but 2 months later i received a notice mentioning this business are not in their file. 

After that they sold this balance to Collection agency Hunter Warfield, i started receiving call so i contact an attorney in Florida and after examine my case they took my case. they notify collection agency not to report to credit bureau and if they do they can report as disputed amount. 

even though they have been notified they kept calling me and they reported to Credit Bureau.
Complaint sub-issue: Reporting company used your report improperly

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

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

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

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

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

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

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

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

In accordance with the Fair Credit Reporting act XXXX Account # 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX Bank Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, 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: Information belongs to someone else

An unknown loan type was acquired for credit under my name without my permission. I only found out about this loan once I attempted to get credit for myself. When I discovered this fraud on my credit report, I contacted the police and filed a police report. I contacted all three credit bureaus and they stated that once I sent a copy of the police report, they would remove this item from my credit. When calling to check on status, XXXX and XXXX removed the fraudulent information. Equifax did not. They stated that they would wait to see if XXXX and XXXX would remove. I explained to them that XXXX and XXXX removed the fraudulent information from my credit report as soon as I sent them the police report as I did with Equifax. They then stated that the only thing they could do was put into another 30 day dispute. I told them no, and that I wanted the fraudulent information taken off of my report. They are refusing to. Please help. This loan was obtained fraudulently using my information. I tried calling company to see if they could give me any information as to addresses or possible names of the people who did this, but they said they could not. I don't know who has done this, but it doesn't belong to me. Please make Equifax remove this false, inaccurate, fraudulent information from my report. The account shows as follows on my report. 
XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX MO XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX UnknownLoanType XXXX Past Due Amount : XXXX Last Past Due : XX/XX/XXXX XX/XX/XXXX : XXXX -- XXXX -- XXXX -- XXXX 30 Days : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 60 Days : XX/XX/XXXX
Complaint sub-issue: Trouble using the card to spend money in a store or online

Purchased XXXX XXXX gift card from XXXX XXXX XXXX on XX/XX/2022 in the amount of {$100.00} paid XXXX. Opened the gift card tried to activate for use and was denied. Once the card is opened, XXXX can not take it back. Called the company XXXX XXXX XXXX XXXX ( on packaging of card ) XXXX they told me that since the last XXXX numbers on the card did not match they can not assist me. I've been calling repeatedly and was told to send a fax with a copy of the receipt, front and back of card, and government ID. I resent the fax 3 times, called 1 week after sending each fax XX/XX/2022, XX/XX/2022, XX/XX/2022, only to be told that the to send another fax. I can't imagine how many people this happens to and they don't fight for their money back. I want my {$100.00} back.
Complaint sub-issue: Was not notified of investigation status or results

The complaint that was submitted in XXXX of 2022 for Equifax XXXX The company had 60 days to investigate no results nor have they removed the inaccurate information
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Pursuant XXXX XXXX. XXXX ] ( a ), I request the deletion of the following lists of hard inquiries included as a attachment in this complaint.
Complaint sub-issue: Information belongs to someone else

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts immediately please. 

XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} DEPTEDXXXX XXXX {$0.00} XXXX XXXX XXXX {$380.00} DEPTEDXXXX XXXX {$0.00} DEPTEDXXXX XXXX {$0.00} DEPTEDXXXX XXXX {$0.00} DEPTEDXXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-FILED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Complaint sub-issue: Debt is not yours

I opened a Republic Finance account on XX/XX/XXXX. Unfortunately the account when to collections, and after saving money I paid it off in XXXX, and the reporting stopped. In XXXX, I noticed that a XXXX Republic Finance account appeared on my credit saying I owed money for a new location, and I tried to dispute it. I reached out to Republic finance to show that it was paid off and that it should be removed from my credit. After a while of trying to get it removed and correction with Republic Finance and the collections, they acknowledged the cleared debt with my bank statements, and I never heard from them again. However, the debt was never corrected on my credit. In XXXX, I started getting more random calls about the debt, so I showed them the exact same documents showing it was paid, then they stopped contacting me, but they never removed it from my credit. Every time I try to contact them about my credit I get no where, and they say they are correcting it, but they haven't.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of Identity Theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Affidavit. Please delete the items as soon as possible. 

ACCOUNT NAME : XXXX XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT WAS OPENED : XX/XX/XXXX, ACCOUNT BALANCE : {$620.00}. 

ACCOUNT NAME : XXXX XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT WAS OPENED : XX/XX/XXXX, ACCOUNT BALANCE : {$680.00}. 

ACCOUNT NAME : XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT WAS OPENED : XX/XX/XXXX, ACCOUNT BALANCE : {$1100.00}. 

ACCOUNT NAME : XXXX, ACCOUNT NUMBER : XXXX, ACCOUNT WAS OPENED : XX/XX/XXXX, ACCOUNT BALANCE : {$0.00}.
Complaint sub-issue: Was not notified of investigation status or results

I have reached out to the credit Bureaus over 30 days and I am yet to receive a response, these items should not be on my credit report, they are inaccurate and I demand to have them deleted
Complaint sub-issue: Information belongs to someone else

SYNOUVUS/XXXX climes that I owe them {$11000.00}... Contractor did not finish the roofing job in XXXX, paid for one year the contractor would not finish the job I stop paying in XXXX was settled this year!!! Paid in full!!!!!
Complaint sub-issue: Didn't receive enough information to verify debt

Was notified via credit monitoring my credit report changed. 
BC Services Inc placed 2 collections on my report. 
Called BC Services to get back up, they stated they did not have but was for medical collections. 
Called XXXX First collection {$130.00} Second collection {$100.00}