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

I'm victim of identity Theft, I have filed report with FTC as well as a Police Report in my community, I have sent to Equifax disputing letters like 4 times, they still denied removing one of accounts that been opened by fraud. ONLY EQUIFAX has reported this account and keep saying to me like this account has been verified. HOW?? If two other Credit Bureaus removed this account and Equifax has been verified. From my last letter that I mailed to them in XX/XX/XXXX they didn't even responded. All my mails been sent with certified mail and return receipt. I can have all proof of violation my rights. 
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( 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 crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate. 
Therefore, my position is being clearly stated, this account do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that this in inaccurate account information means that you, this credit-reporting agency, are reporting incorrect account. 


I'm willing to explode all my rights and send all information to Attorney General.
Complaint sub-issue: Information belongs to someone else

I have reason to believe that my XXXX year old son has had his Social Security Number compromised. I am getting five to ten phone calls a day for him to help fix his credit, pay his bills, people claiming to be the IRS, etc. I also started receiving credit card approvals in the mail, and credit applications for him. I am filing a police report, and also will be contacting all three credit bureau 's, and the Federal Trade Commission.
Complaint sub-issue: Was not notified of investigation status or results

I have a XXXX account that's showing late, but I never have been as I have this account on auto draft. I've asked for proof of late payments, and they will not respond to my letters.
Complaint sub-issue: Account information incorrect

XXXX. XXXX XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 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: Reporting company used your report improperly

Pursuant to XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) In general Subject to subsection XXXX c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave EQUIFAX any written consent to report anything on my consumer report. No consent is identity theft. This was submitted to EQUIFAX via EXPRESS MAIL Tracking # XXXX on XX/XX/XXXX with a signed return receipt tracking # XXXX. EQUIFAX has failed to comply. 

Pursuant to XXXX XXXX Code XXXX - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} Congress defines a person under XXXX XXXX Code XXXX - Definitions ; rules of construction ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 

These accounts have damaged my reputation. 

As a consumer I DEMAND a PERMANENT DELETION of these accounts. 

XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX : # XXXX DATE : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : # XXXX DATE : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : # XXXX DATE : XX/XX/XXXX As a consumer I DEMAND the PERMANENT DELETION of the following addresses : XXXX XXXX XXXX XXXX XXXX , MO XXXX XXXX XXXX of XXXX, XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Complaint sub-issue: Called outside of 8am-9pm

They repeatedly call my home phone every 1-2 hours after I have already spoken to them on the phone about the account. This morning they called at XXXX. They have violated more than one issue. Besides the constant calling and the call before XXXX, they have threated legal action and called relatives about the account.
Complaint sub-issue: Information belongs to someone else

I have reached out to XXXX Bank multiple times now regarding a fraudulent credit card that was open in my name. I have supplied them with the FTC report and the Police Report. My identity was stolen. There were bank accounts, credit cards, and utilities open in my name. This individual was using my contact information and stole my identity. I have tried to resolve this with XXXX multiple times now and they are stating that they are unable to remove this item because they verified that it was mine. 
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681 g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 
15 USC 1681b Permissible purpose of consumer report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Pursuant 15 U.S Code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( 1 ) appropriate proof if the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I have supplied XXXX with all the above documents to remove this item from my credit report and close the account as fraudulent and they are refusing. I received the attached document from XXXX but no additional documents to prove that this account was mine. XXXX is stating that cards were mailed to me- I travel for work and at the time the card was opened I lived with multiple roommates XXXX is stating statements were sent to an address that belongs to me- like stated above I had roommates XXXX is stating payments were made from an account that belongs to me- there were also fraudulent bank accounts opened in my name XXXX is stating I received benefits- this is false XXXX is stating a phone # that belong to me contacted - like stated previously there were fraudulent utilities opened in my name as well. XXXX is in violation of my consumer rights and several federal laws!! I am demanding this account that arose from identity theft removed immediately from my consumer reports. The attached document from XXXX has NO EVIDENCE and NO DOCUMENTATION to prove any of these findings.
Complaint sub-issue: Debt was paid

I C Systems ( Debt Collector XXXX filed a XXXX $ bill from XXXX XXXX XXXX XXXX posted XX/XX/XXXX, for services rendered XX/XX/XXXX. Contacted the original creditors to find out that the debt had been paid by XXXX on XX/XX/XXXX, XXXX this Debt has been contested with them several times and they continue to report the debt. 

After several attempts to have them fix this issue, they still claim that it's a valid debt and meets FCRA requirements.
Complaint sub-issue: Lender trying to repossess or disable the vehicle

Our vehicle was repossessed by the dealership ( XXXX XXXX ) who sold the car but not the lender ( Veros Credit ) who we financed with. The vehicle was repossessed on XXXX XXXX by the dealership who still have not report it with the police department which they were supposed to within 1-3 hours. We spoke to the lender around XXXX XXXX  on XX/XX/XXXX if they had repossessed the vehicle which they had claim there was no repossession order out on our vehicle and asked if we would like to make a payment. The dealership texted us stating they repossessed our vehicle because we made too many late payments but not missed payments. The lender had no idea that the vehicle was repossessed by the dealership until we call to question them about it. That's when Vero 's Credit marked it repossessed in their system. We make the monthly payments to the lender not the dealership. We have been trying to speak to them regarding this and getting our vehicle back every day since XXXX XXXX but the dealership ignores our calls while the lender keeps telling us to deal with the dealership only. XXXX XXXX  repossessed our vehicle wrongfully.
Complaint sub-issue: Reporting company used your report improperly

I am aware that the reporting agency assume this vital role and which they failed to properly investigate these inquiries the first time.i am also aware that deletion is admission and I need to be compensated.
Complaint sub-issue: Information belongs to someone else

THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LIKE THEM TO BE REMOVED OFF MY CREDIT FILE.
Complaint sub-issue: Can't use card to make purchases

Per Discover 's request, here are the information they are requesting to remove the restrictions again
Complaint sub-issue: Deposits and withdrawals

I received a deposit for a XXXX XXXX loan the funds are being held until I produce documents for a different type of loan that I do not have I talk to my lender and they stated they should not be holding my funds I provided documents related to the loan I have on XX/XX/2020
Complaint sub-issue: Investigation took more than 30 days

I sent a letter to Equifax disputing negative inaccurate information on my credit report. Unfortunately these credit companies aren't complying with their own policies within a timely manner. I am hereby requesting that the items disputed be removed IMMEDIATLEY.
Complaint sub-issue: Information belongs to someone else

Despite two written requests, the unverified items listed still remain on my credit report in violation of Federal Law. it is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, it was stated in writing that they verified that these items are being reported correctly?

Who verified these accounts?

They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 

ACCOUNTS : XXXX  ( Equifax & XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX ( Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

Equifax notified the apartment community of my credit report. I was declined to rent due to two large accounts turned over to collection agencies appearing on the Equifax report. 
One - XXXX XXXX XXXX in the amount of {$2700.00} and the other was XXXX XXXX XXXX in the amount of {$5000.00}. Since I submitted my disputes on XX/XX/XXXX, XXXX XXXX XXXX amount of {$5000.00} has been deleted/removed off of my report. However, I received notice from Equifax they needed to extend the time to reinvestigate ( to XX/XX/22 ) the collection from XXXX XXXX XXXX. This is outrageous! XXXX has cleared all these bogus accounts that I did not open. I don't understand why this is taking so long with Equifax. I am XXXX on a friends sofa waiting to get approved to rent at a HUD housing community. Can you please check into this for me? I understand CFPB has help many others and I hope to be another success story. One last important piece of information, there are several people that have stolen my personal information ( CA ID, Social Security number, birth date, full name, where I was born, and employment history ). 
There are so many inquiries on my report that I never initiated. 
Thank you!
Complaint sub-issue: Account status incorrect

Credit bureaus reported I had a XXXX balance on my XXXX XXXX XXXX XXXX charged off checking account as of XX/XX/XXXX, after I paid the account in full. AfterXX/XX/XXXX the credit bureaus continued to report me late every single month, despite the balance being paid in full. The status was reported incorrectly almost 50 times severely hurting my credit score and ability to access credit. I disputed the XXXX XXXX XXXX XXXX late payments in XX/XX/XXXXwhen I discovered the error. The credit bureaus completed the dispute in XX/XX/XXXX without making the corrections and removing the false late payments from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX equifax & XXXX violated my rights as a consumer in XXXX XXXX XXXX and refuses to exclude all information solely as to transactions or experiences between the consumer and the person making the report.
Complaint sub-issue: Denied request to lower payments

I chose to buy out my lease. My wife sent US Bank a personal check for the agreed upon price plus state taxes. Just over thirty thousand dollars. The check was cashed. Two days later the funds were returned. As soon as I noticed the returned funds I called US Bank. The associate I spoke to told me that the check was not signed and I needed to send a new check. I called my wife and told her we made a mistake and we need to send a new check. She replied by sending me a picture of the check written out perfectly. So I then called US Bank back to question what was wrong with the check. I was told by a bank employee that I needed to sign the front and endorse the back of check and overnight the new check to US Bank. I asked to speak to a supervisor because Ive never heard of endorsing a check that I wrote and I was worried about US Bank having two checks equaling {$61000.00}. The employee told me that no one was available to talk to me and someone would call me back. I called back to talk to someone new and after much questioning was told to write new check properly and mail it to US Bank. I still wanted to talk to a supervisor so I waited for my callback. Two days later I still had no response. My wife called our bank and they said I should send a bank check there is no way US Bank can not except it and they would send it for us. The bank check was taken out of our account and mailed to US Bank. The bank check was signed for by US Bank the next day. I called about a week later to make sure all was well. I was told my account was closed and I should expect the title for my vehicle in the mail. That day the title arrived. Everything seemed good. Until my wife and I are on vacation and my wife goes to a pharmacy and trys to pay for her products to find her card was declined. How embarrassing! Come to find out US Bank cashed the first check we sent for a second time and overdrew the account. I called US Bank immediately in a panic. After a long conversation I finally spoke to a manager who told me that nothing can be done until Monday. She told me an investigation would be started Monday morning. When I called Monday no one knew anything about my issue and nothing has been done but was assured that someone would look into it. As I am writing this it has been five days and they still have not resolved the problem. Every time I call its a struggle to talk to someone who knows anything about my problem. My wife and I are both very busy and finding it difficult to work a deal with this problem. I have to repeat my nightmare story every call. Ive had to give my social security number to so many people Ive lost count. We are scared this is going to effect our lives greatly.
Complaint sub-issue: Their investigation did not fix an error on your report

There are several mistakes on my credit report after disputes still no results or correction has been made speaking with the credit agencies has not done any good as well unfair credit score reflects bad trying to obtain credit or make purchases I uploaded paperwork showing debts was paid but still no results when you ask for proof of and dispute and a consumer send that proof the companies should not have a leg to stand on but all of the credit agencies are not making the correction on the consumer credit report siding with the companies and making incorrect reporting on the consumer reports I have tried making corrections for several years so when you ask for dates there are several
Complaint sub-issue: Information belongs to someone else

I was looking at my credit report on XX/XX/2020 where I had noticed inaccurate Information. They are saying a company XXXX XXXX who I am not aware who they are. They are giving me hard inquires on XX/XX/2020 and XX/XX/2020. They are saying I got a loan from the. This totally Inaccurate and fraud. I never signed anything and this was never authorized by me.
Complaint sub-issue: Debt is not yours

( AR RESOURCES ) at ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) has been sending me collection notices in the amount of ( {$590.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Complaint sub-issue: Reporting company used your report improperly

This Inquiry was made by a third party without consent.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I purchased equipment from Best Buy. A customer service representative explained that my purchase qualified for a 12 months no interest promotion. I called customer service for a credit increase. During the application process I asked the representative if the credit limit increase would affect my credit he replied " No, it is a soft inquiry it will not impact your score. '' So I agreed. He then proceeded to transfer me to a female representative for verification where I again stated that I would only agree to authorization if my credit score was not impacted. Again, the representative assured me that it was a soft credit pull. I also mentioned that I could pay the remaining balance in cash if my credit score would change. As soon as I agreed to the terms and conditions, I received a notification that an hard inquiry was added to my credit report. I have called Best Buy three times regarding this matter. The first representative apologized and explained that all credit applications require a hard inquiry. The second representative I spoke with disputed the transaction with the major reporting credit bureaus, which did not remove the hard inquiry. The third representative I spoke with said that my issue would be escalated. I explained that the matter had been escalated with no resolution and asked to speak with a manager. I explained the matter to the manager and asked if I could have a copy of the recorded conversation since the automated message states that all calls are recorded for quality purposes. The manager disclosed that I would have to subpoena the company for a copy. I am appalled that not one, but two customer service representatives would misinformed of the companies credit card policies and procedures. It feels as if they give false information to increase credit sales. I did not consent to a hard inquiry and made that very clear during the course of the conversation.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citibank/Best Buy billed my personal checking account for an unauthorized amount of {$5400.00} on XX/XX/ 2021 and has yet to return my funds. 

On XX/XX/2021, there was fraud on my Best Buy credit card. I was immediately notified by Best Buy, I denied the charges and I was told they'd be closing out my account and issue me a new credit card. 

On XXXX XXXX, 2021, I realized that in the process of closing out my credit card, they inadvertently charged the payment information I had on file the FULL balance of the credit card ( {$5400.00} ). I also realized that the fraudulent charges I had been contacted about had been re-billed- twice! 

On XXXX XXXX, 2021 I called Citibank/Best Buy, I was informed this was probably done by fraud and that I'd need to speak with the Security department XXXX please keep in mind it was done on the same day Citibank/Best Buy closed out the account. After speaking with the security department, they immediately removed the fraudulent charges ( again that they had re-billed twice after initially removing the charges ). With regards to charging my checking account the full balance of the account, they informed me my best course-of-action was to contact my personal bank ( XXXX XXXX ) to recall the payment. XXXX XXXX recalled the payment on XXXX XXXX, 2021 ( not sure why there was a 10-daXXXX delay ) and I've yet to receive the money back from Citibank/Best Buy . 

On XX/XX/2021, I called Citibank/Best Buy again. The supervisor requested my checking account number and routing number to process the return of funds. He informed me there was error, but was unable to tell me what the error was regarding and that I'd receive communication in 3-5 days. 

I don't understand how a bank can process an UNAUTHORIZED payment on my personal account and refuse to give me my money back in a timely manner. This is money I need to pay my bills.