Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Transaction was not authorized

I issued a check in XX/XX/XXXX costing XXXX to pay for my monthly rent ( in XXXX, IL ) and it was deducted to my checking account. In XXXXXXXX XXXX XXXXXXXX, I noticed that {XXXX was deducted to my checking account again and I take a look into the details of the deduction and found out that the same check ( check XXXX ) that I issued 3 years ago was used. I called the customer service/fraud dept and XXXX them why would they authorize a 3-year-old check to be deducted to my account and the fact that it has been deducted before ( in XXXX ) ; The agent over the phone can't give me an answer and said that it should not have happened cause checks are normally valid for 90 days only but I was told that they're gon na process to return my {XXXX} in my account within 2 business days. I waited for more than a week but it was not returned to my account so I called them again and again with weeks of interval and they will always say the same thing to wait within 2 business days, but still they didn't credit my money back to me. so, I went to one of the XXXXXXXX XXXX branch ( XXXX, IL where I currently live ) to talk to a banker but they said they can't do anything about it 'cause they don't process this kind of request and that I have to call their customer service so I called them again and was told the same thing and months have passed and I still haven't received my hard earned {XXXX}. and at this point, I'm just getting exhausted and hopeless in reaching out to them. I know it's not much to some people but it is to me and I needed it.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/18 I applied for a XXXX XXXX credit card on line through XXXX XXXX. A credit report was pulled and I was denied due to the fact I didn't have an active cell phone at the time for some sort of verification. This policy was not disclosed at the time of my application thus pulling a Fraudulent credit report by XXXX XXXX. I was instructed to go to the store for verification and processing. On XX/XX/18 I did so and was approved for a {$500.00} dollar limit. My purchase was for a higher amount and I requested a credit line increase at the time. The operator at XXXX XXXX said she would have to look at my report to make a determination. I was told multiple times that the conversation was being recorded. I told the operator that if it required a second credit report being pulled that I would not be interested in the increase. She assured me that this would not be necessary. My credit line was increased to {$2500.00} and the next day was informed by XXXX XXXX that I had a second report pulled. I tried a dispute with Equifax and twice with XXXX XXXX XXXX  and was told that it was accurate and that there was nothing that could be done about it. I contend that XXXX XXXX  credit process is Fraudulent and they pulled 2 credit reports against my direct verbal recorded instructions. This is another example of a big bank running over a small consumer.
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 {$16000.00}, {$8300.00}, {$8800.00}, {$19000.00}, {$17000.00}.

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 ) -- OPEN ACCOUNT 1. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- INSTALLMENT LOANS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

4. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

5. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account.
Complaint sub-issue: Account information incorrect

In XX/XX/XXXX, I went info an dealer auction in XXXX , county, CA. The sticker pricewas {$10000.00} during that time my contract was reworked and ripped up 3 times. I was then to pay {$320.00} per month. Each and every month XXXX began charging me for excessive amounts up to {$580.00} per month and no justification for increase. This was a XXXX XXXX XXXX.I was constantly overcharged repo my car once by error and they kept my money. Also several times charging me numerous late fees up 3 times in one month. They kept on over billeing me I kept paying them then finally they threaten to repo and they came and took car while I was asleep, gave me no notice to claim car back they kept car and money. I then moved to XXXX, ca and while there a year, or more I could not commute then moved to my mothers house. One day I received a note from a forwarded mail, saying I was going to jail if I did not pay them from XXXX office i called and spoke with a rep who threatened me and cursedme out. I then called the sherriffs they said no knowledge of any warrant in their database none existed. Just last week I found out a bench warrant issued for FTA in court which I had not been served. I worked 12 hour shifts and was not living where they claimed they served me. They lied to court commited perjury against me. I then discovered warrant has been issued in XX/XX/XXXX. yet XXXX harassed me way before then, told me pay or they were putting me in jail. Discovered recently that a judgement had been issued for {$2000.00}. Then, XXXX XXXX XXXX never heard of them reports that I owe them apparently they are affiliated with XXXX but my contract is XXXX. They gave me eraseable ink contract now saying {$14000.00} was original amount when XXXX was correct amount. Their judgment was issued while I was not notified of court. Also after they recieve judgement they applied for 4 insurance clsims that I put in for to repair they paid deductible then applied the money to lan never fixing the truck, they rceived over {$5000.00}. They owe me. they refuse to stop reporting on my credit even told XXXX  and bureaus I requested a credit line and I did not and the began reporting thta I owe {$5000.00}. to them nd they wrote XXXX off and they collected XXXX in insurance after the judgment under my name. They also are in a clss action named XXXX Vs, > XXXX XXXX finance regarding illegal repos. They then began not serving individuals and getting automatic judgements to prevent members from claimimg money from class action lawsuit. I am sick of them reporting bad info on my credit I have disputed them over 10 times and they keep adding money to my account increasing balance and interest is wrong also. They took insurance meant for car repair and kept and applied to loan. before the repo they took one payment for bumper damage of {$600.00} did not fix vehicle. I am tired please stop them from doing this to me and others. XXXX XXXX is located in XXXX XXXX, CA nothing but crooks. They also force placed insurance 2 policy yearly in one year and over chged me again
Complaint sub-issue: Information belongs to someone else

The following collection account and credit inquiry is fraudulent and isnt my account or credit inquiry : Equifax Mortgage Services, XX/XX/XXXX and XXXX XXXX XXXX, {$200.00}, XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted the credit bureaus on XXXX in regards to reinvestigating the accounts that are being reported on my credit profile because they sent my a generic answer " verified ''. Under the FRCA section 609, ( a ) 1 ( A ) by law to verify the method of verification, through the physical verification of the original signed contract and all other forms, and if they can't provide these items, it must be removed. The credit bureaus has not provided me the information that I have requested. Also they are also violating my rights as a consumer under 15 U.S. Code 1692g, they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$2900.00} XXXXXXXX XXXX XXXX Balance : {$2800.00}
Complaint sub-issue: Information belongs to someone else

I recently checked my credit report and saw that there was a fraudulent medical bill on my account. I have contacted that company and i contacted XXXX, XXXX XXXX Equifax. This account does not belong to me.
Complaint sub-issue: Didn't receive enough information to verify debt

As of XX/XX/2022 I have attempted to get Bay Area Credit to provide me with proof that i am in fact that the correct consumer who they claim owe {$530.00} per receipt forwarded to me by them but that does not constitute as a contract or any verification according to the Fair Debt Collections Practices Act ( FDCPA ). They continue to report this false information on my credit profile, to which has caused me continuing credit issues.
Complaint sub-issue: Was not notified of investigation status or results

I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 45 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 45 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Complaint sub-issue: Their investigation did not fix an error on your report

In response to my dispute over ONE FALSE ACCOUNT being reported by Equifax, they investigated 19 unrelated accounts in my records THAT I NEVER ASKED THEM TO DO. 
In doing so, they removed accounts that were important since they showed my credit history. I have a 28 year credit history, however because of these unauthorized actions taken by Equifax, they are now claiming my credit history is only 2 YEARS! THEIR UNSOLICITED ACTIONS LOWERED MY CREDIT SCORE. Why would I ask them to " investigate '' and/or remove all these former accounts that were all closed in good standing? I would never request this. So, why did they mess up my records for no reason? They also NEVER ADDRESSED THE ONE ACCOUNT I WAS DISPUTING! I do not appreciate them ignoring my actual request, then opening up 19 unnecessary investigations that served no purpose. My letter to them was VERY CLEAR and it was impossible for them to confuse an investigation of one specific account with all my other past & present accounts. THEY DID NOTHING TO RESOLVE MY DISPUTE. INSTEAD, THEY MESSED UP ALL MY OTHER ACCOUNTS AND CAUSED MY SCORE TO DROP. This is a violation of my FCRA rights. They even wrote on my dispute results that my " dispute was not specific ''! It most certainly was specific. The problem is that they can not distinguish what a basic dispute is or isn't!
Complaint sub-issue: Billing dispute for services

To whom it may concern, My name is XXXX XXXX ( full name : XXXX XXXX XXXX ), I am a resident of California with a permanent address in the city XXXX, CA XXXX. 
I am a victim of identity theft, someone from another State ( Texas ) have been using my social security to apply for credit cards and loans. 
I have Identity Theft Protection with XXXX XXXX, I was alerted with the below activities. 

I filed with XXXX report # XXXX filed on XXXX, and sent certified mail to the following institutions : Equifax XXXX XXXX XXXX for fraudulent credit cards applied under my name. identity I did not make the charge ( s ), I am requesting for an immediate investigation, and requesting that the item ( s ) be blocked to correct my credit report. 
Below are the credit cards applied and using my identity under an address from Texas and I believe under CFPB : XXXX XX/XX/21 - CFPB XXXX XX/XX/21 - CFPB -XXXX  XX/XX/21 - CFPB XX/XX/21 XXXX  - CFPB XX/XX/21 XXXX - CFPB XXXX XXXX account # XXXX open XX/XX/21 account closed XX/XX/21 Service address/ Billing address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX All of the above cards and loans, applied by an individual from Texas addresses below : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX Appreciate your help. 
Sincerely, XXXX XXXX Tel XXXX  ( XXXX ) XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX, I previously submitted a complaint regarding an Unauthorized Inquiry from XXXX XXXX  on my Equifax Credit Report via Complaint # XXXX. 

On XX/XX/XXXX, XXXX XXXX  responded to that complaint advising that they sent information to Equifax to remove this inquiry from appearing on my credit report. However, as of present, XX/XX/XXXX, the inquiry is still appearing on my credit report. Equifax has stated they haven't received anything to remove the inquiry, I disputed the inquiry, yet chase says it's valid which contradicts the letter that they sent me confirming that they alleged they sent correspondence to Equifax to have this inquiry removed. 

Please resolve this issue immediately per your letter advising that you requested the inquiry to be removed as per Equifax, they don't have anything from you supporting this.
Complaint sub-issue: Information belongs to someone else

To whom it may concern, my information has been compromise in equifax data breaches, public records has been place in my name, I have try to resolve this, but information keep posting in my credit. An FTC complaint has been attached to this request, please block this information from my credit file.
Complaint sub-issue: Information is not mine

I had received XXXX credit inquiries from a company called XXXX XXXX on XXXX XXXX and XXXX XXXX, both of which I had not authorized. I am signed up for credit report alerts service, which alerted me to these unauthorized inquiries. I got the information and then checked with the above company and they said that the inquiries were made in error, apologized and also sent me a letter stating that the inquiries should be deleted from my record, which I then forwarded to Equifax over a month ago. However, till date, Equifax has n't deleted those inquiries as required by federal FCRA act.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following accounts are unauthorized inquiries not authorized by me i am filing a complaint that these account inquiries be removed : XX/XX/2021 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: You never received your bill or did not know a payment was due

My credit card with Home Depot is issued by Citibank. The credit card company is not sending my all of my billing statements. When I have a XXXX balance or have a credit balance, I am not receiving my statements for the following month to show that the company received my payment or issued a credit to my account. If I have a XXXX  balance, I should receive my statements to show all of the transactions for the previous billing cycle. I did not receive either my XX/XX/2020 statement or my XX/XX/2020 statement. 

When making a payment at a Home Depot, the company will only accept my check if I do an electronic transfer instead of using ACH. Missouri law states that I must agree to an electronic transfer. If I choose not to, Home Depot should still accept my payment as they have done so in the past instead of trying to force me to do something that I have no legal obligation to do. Home Depot employees should be trained to know how to accept both ways.
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 U.S.C 1681. 

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 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 7 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: Their investigation did not fix an error on your report

XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX    XXXX   XXXX  Inquiry  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   I Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX    XXXX  Inquiry   XXXX   XXXX   XXXX    XXXX  Inquiry   XXXX   XXXX   XXXX    XXXX  Inquiry   XXXX   XXXX   XXXX    XXXX  Inquiry   XXXX   XXXX   XXXX    XXXX  Inquiry   XXXX   XXXX   XXXX    XXXX  Inquiry   XXXX   XXXX   XXXX    XXXX  Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX     XXXX   XXXX   Inquiry   XXXX   XXXX   XXXX   i asked for the inquiries to be removed after they removed them last year but then added them back on again, causing my credit score to suffer.
Complaint sub-issue: Problem with product or service terms changing

On XX/XX/XXXX, Equifax announced that it had discovered a cyber security breach had occurred earlier that year, exposing over XXXX XXXX users ' data to hackers. 

On Friday, XX/XX/XXXX, I learned of a class action lawsuit that would entitle those whose data had been stolen to receive just compensation from Equifax, whose lax and careless security practices failed to protect the precious data entrusted to it. 

I filed the claim for compensation as directed on this website : https : //www.equifaxbreachsettlement.com/file-a-claim Then, today ( XX/XX/XXXX ) I learned that the response to the class action filing process has been, as they said, " overwhelming, '' and that only {$31.00} XXXX of the already-paltry {$420.00} XXXX settlement had been allotted to payouts to those affected by the breach. So instead of receiving up to {$120.00} in compensation, the total cash payout divided equally across all claimants will be minuscule. If they had to pay the full {$120.00} per affected individual, it would cost roughly {>= $1,000,000} https : //www.ftc.gov/enforcement/cases-proceedings/refunds/equifax-data-breach-settlement The alternative being offered is for Equifax to offer years of free credit reporting, which is fine, but hardly a way to punish a massive company for their depraved disregard for customer privacy. 

How will we keep these credit bureaus honest if the only penalties they incur for incompetence and indifference is so small as to be a veritable slap on the wrist? They'll just see it as the cost of doing business, and will continue to be criminally negligent actors in the finance space. 

As your admirable stated mission is to " write and enforce rules that keep banks and other financial companies operating fairly, '' I think the CFPB should be alarmed and appalled by this turn of events. Equifax is essentially paying no price for their negligence, and they are shifting the burden of dealing with the consequences of the data breach onto the victims. 

As citizens in 21st century America, affected consumers have little choice but to participate in the credit bureaus ' game, but the power is ludicrously unequally distributed. Agencies like the CFPB are one of the few levers by which ordinary citizens can apply pressure to these huge power brokers. 

I would like to see the CFPB take whatever actions are possible to ensure that Equifax and other credit bureaus are forced to protect the consumer data with which they are entrusted, now and in the future. Thank you.
Complaint sub-issue: Debt is not yours

On XX/XX/2020 sent AR Resources a letter to validate the debt to show any signed contract with them for services rendered. No reply was received back within 30 days. They have failed to validate the request of showing signed contracts or agreements with this company or signed. I haven't received a response to validation which clearly violates my rights. I am proceeding with legal action as prescribed by law against AR Resources should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation and reach out to the Attorney General on this matter. I urge you to take this extremely seriously as I have documented my case without error. I encourage a deletion from all three credit bureaus expeditiously.