Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

Re : AFINI.INC Dear AFINI.INC, I have never recieved any written correspondance from this company. AFINI.INC added a collection to my credit reports with XXXX, XXXX, and XXXX that resulted from crime ( s ) that have taken place. This is invalid. I did not recieve any services or goods from the original creditor. However, I am still held resposnsible for this debt. You are hereby in violation of THE FAIR DEBT COLLECTION PRATICES ACT by adding a collection to my credit reports without my knowledge. You're also in violation of THE FAIR CREDIT REPORTING ACT by reporting inaccuarte information to credit reporting agencies. You were notified by the above mentioned credit reporting agencies not only were you frowarded copies of an FTC Identity-Theft Report as well as an Identity-Theft Affidavit. Still you fail to comply with laws enacted by Congress for victims of identity-theft. I am a victim of identity-theft and request that this debt be removed from my credit report. Failure to comply shall lead to legal actions. I will seek punitive damages for defamation of character for my name being assocaited with debts I do not owe as well as your neglilence to adhere to FAIR CREDIT REPORTING ACT. Thank you.
Complaint sub-issue: Contacted you after you asked them to stop

My name is XXXX XXXX, and I am submitting this complaint on my own behalf- there is no third party involved. My SSN ends in XXXX. I am being fraudulently harassed by US Bank, and this has been going on for MONTHS now. US Bank is claiming that I owed an alleged " debt '' that I did not owe ( its a fraudulent account ), so I went ahead and sent them a Cease & Desist letter on XX/XX/2021, with a few other documents supporting my case ( see attached exhibits ). I have the certified mail return receipt proving they received my cease & desist on XX/XX/2021 ( see attachments ). Since that time, I have received dozens of spam calls and voicemails from US Bank in which they're harassing me, trying to get me to pay this fraudulent debt. They are clearly violating my cease and desist order, and violating me in a number of ways under 15 U.S. Code 1692c. Despite the fact that I have written proof that they received my Cease & Desist order, in which I clearly told them to never contact me again, and that I will not be paying this fraudulent debt- they continue to harass me and cause me mental and emotional anguish. I am demanding that US Bank cease all communication with me, stop calling me, stop leaving me voicemails, and never contact me again without my written permission. They have caused me immense mental, spiritual, emotional and physical distress and anguish. If they do not comply with this final warning, I will be filing suit in Federal District court.
Complaint sub-issue: Information is incorrect

Lexis Nexis Risk Management Solutions has an email address listed for me on their Person Search feature that does not belong to me. 

This address is associated with an ID theft issue from several years ago and is a know scam address. 

I have asked them several times to remove this address but they refuse to take it off my file and it is now causing me issues since the address is associated with Spam and illegal activities. 

They are causing me harm by refusing to remove the address. 

The address is XXXX I have never used that address and it should not be listed as belonging to me
Complaint sub-issue: Their investigation did not fix an error on your report

Over the past several months, I have tried to resolve this issue, but to no avail. These accounts are invalid and unverified. I've attempted to dispute it several times already. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below.
Complaint sub-issue: Problem getting report or credit score

currently trying to dispute derogatory information as well as personal information that may not be correct in my file I have XXXX potential negative account and was trying to get those corrected starting with XXXX home mortgage has to correct a wrongful foreclosure and payment history for almost XXXX years and the balance amount, also XXXX were currently in litigation because my vehicle was wrongfully written off! I feel like i 'm being cheated out of the credit I should really have, can a investigation be launched to see what is going on here with Equifax XXXX enclosed is supporting documents to my claims.
Complaint sub-issue: Information belongs to someone else

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see iterns ; that aren't mine. I got in contact with the police and FTC. I don't understand what's going on but these items are not mine and they all need to be deleted from my credit report 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, also the inquiries are not mine XXXX/XXXX  XXXX , XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Thank You. Also I have never lived at these addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX and XXXX XXXX XXXX XXXX , XXXX XXXX. Must be a name mixup. I have stayed at XXXX XXXX XXXX XXXX, IN XXXX all my life. Please fix the issues.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX  put an offer in the account saying, " You are ALREADY approved '' for a XXXX XXXX credit card. They have already done a hard inquiry and turned me down before. They placed the " You have ALREADY approved '' offer in my account anyway. I called customer service to make sure that there is NOT going to be any hard inquiry. She confirmed that there is not going to be another hard inquiry. So, I clicked to accept the offer. In a few minutes, I received an email saying that there is a hard inquiry by XXXX. 
I am in the process of canceling all accounts with XXXX. I have also canceled the XXXX Credit Card also. 

This was a deceitful act on XXXX 's part. They record and monitor the calls. 

I am requesting to please remove the hard inquiry.
Complaint sub-issue: Account information incorrect

All three credit bureaus, XXXX, Equifax, and XXXX  have misreported information on my credit reports that should be removed immediately. XXXX XXXX I submitted dispute documents, drivers license, and social security card to all three bureaus to have information deleted or removed ( see attached files, also notarized ).
Complaint sub-issue: Information belongs to someone else

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX  XXXX XXXX Balance : {$2200.00} XXXX XXXX Balance : {$740.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$750.00}
Complaint sub-issue: Information belongs to someone else

I applied for a loan today XX/XX/2020 because I need help catching up on some bills but I was not approved because apparently there are accounts reflecting badly on my credit report. There are more than ten accounts in negative standing on my report that do not belong to me. I did not open any of those accounts and I did not allow anyone to open those accounts in my name. I do not have any written or verbal contract with any of those companies nor did I benefit anything from any of these accounts such as money, goods, services or any other benefit. I never made any payments towards those accounts and I have already filed a police report and a complaint with the consumer financial protection bureau.
Complaint sub-issue: Non-sufficient funds and associated fees

Someone pulled out money on my direct express card in some other town with out my consent.
Complaint sub-issue: Reporting company used your report improperly

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 I Asked the Credit Bureaus to do a verification of everything on my credit report and they did they said everything on it is accurate on my credit report they stated it was accurate after they did there own investigation I Did a thorough research my self and I found out improper inaccurates on my credit report even after they did there research on this account thank you company name : XXXX account : XXXX XXXX # : XXXX XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Thru this letter is my last attempt to have Citibank to assist me to get reimbursement my money for the amount of {$630.00} from a Transaction Amount of {$1000.00} took place on line in XX/XX/2018. I used the ATM Credit Card Linked to my Checking account ending with XXXX. I'm asking the CFPB to mediate in this request as my last effort to get my money back for a broken/defective Used auto parts I received from the XXXX XXXX located in NC XXXX.

I received different excuses in order to don't get the proper assistance from Citibank ( which I'm a good customer from them for more than 25 years ) since I opened a dispute about this issue. One of their excuses I was told when I communicated with them was in XX/XX/2019 one of her representatives said it was an ongoing Investigation in my dispute while her supervisor advised me the dispute is been closed as later on I received a letter dated XX/XX/2019 stating " THE MERCHANT HAS RESOLVED YOUR DISPUTE BY ISSUING CREDIT TO YOUR ACCOUNT IN THE AMOUNT OF {$450.00} ON XX/XX/2019.WE NOW CONSIDER THIS INVESTIGATION COMPLETED. ( I'm attaching this letter as an exhibit " 1 '' ).

In their Official letter it doesn't stated I Ran out of the time frame of 120 days.

Knowing I received 2 different versions from Citibank Call center located in Philippines.

I decided to contact Citibank Executive Customer Service I left a voice message. I spoke with XXXX XXXX whom promised me to resolve this issue within 10 days. ( I'm attaching 2 emails the One I sent him on XX/XX/XXXX and the one I received XX/XX/XXXX as group exhibit " 2 '' ). In his email he stated " YOU WILL HAVE TO CONTACT DIRECT THE MERCHANT DIRECTLY IF YOU LIKE TO DISPUTE THIS MATTER FURTHER ''. I'd like to rebuttal his statement due to the following : * Citibank agents advised me different Outcomes about this dispute. One lady with employee Id XXXX said its " an ongoing investigation '' and her Supervisor XXXX from Citibank call center located in XXXX told me " the Dispute its been closed '' these statements were done in a phone cal I did on XX/XX/2019 around XXXX  ( Pacific time ).

* I strongly believes Citibank has giving me the round around this dispute and in order to don't assist me now XXXX XXXX said I have to deal with the Merchant. due to the Time frame of 120 days. He doesn't take in consideration the second merchandise I received was Around XX/XX/2018 ( that it would put the dispute within the 120 days.I 'm attaching email document as exhibit " 3 ' ) besides I don't agree with his statement because I haven't got in a direct Transaction with the Merchant using a Money Order, Wire Transfer or other means, I used Citibank ATM Credit Card Linked to my Checking Account.

For all what I stated above if Citibank fails to assist me then I would like to have a US regulator to look into my issue as well to have Citibank provide me its Physical Address where I can serve the Action I will Initiate in Court for my damages.
Complaint sub-issue: Debt was result of identity theft

Company reached out to me in regards to a debt that I did not have any prior knowledge of. Company fail to disclose any information other than an address associated with the debt, where I never lived or had any association with.
Complaint sub-issue: Company closed your account

Dear XXXX XXXX and XXXX XXXX I'm working with the cfpb regarding XXXX XXXX decision not to enforce the arbitration clause regarding Citibank dispute. 

XXXX XXXX decision to close Rev. XXXX account without arbitration is a clear violation of the Federal Arbitration clause due to my race as an XXXX XXXX. 

Due to my race XXXX XXXX has also close out my checking account because I'm a XXXX male with social security income and XXXX health insurance. 

XXXX XXXX decision makes me very sad and creates suicidal thoughts regarding my mental health condition under XXXX health insurance regarding social security income. 

I will continue to work with the cfpb regarding XXXX XXXX decision regarding my race and income. 

Buy best has review the record and proceed with a resolution but XXXX XXXX is refusing to provide a resolution only because of the skin XXXX of Mr. XXXX and the source of his income with social security after Mr. XXXX explain the situation regarding Best Buy Citibank resolution. 

XXXX XXXX decision is motivated by a history of hate and racism in XXXX regarding Citibank Best Buy resolution conducted in Good Faith. 

XXXX XXXX understand that XXXX XXXX XXXX is an XXXX American male and has no desire to honor Citibank Best Buy resolution. 

XXXX XXXX close out my checking account because of my race, social security income taxes, and Citibank Best Buy resolution.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently went to purchase a new car. When the process was over I found out that I had up to 10 hard inquires in to my credit. I am a young man trying to make it on my own and build my credit. However, when I go to buy a car and allow them to run my credit I am aware that it will affect my credit so negatively. What bothers me is the fact that they ran my credit so many times that it has major effects on my credit report. What I am not understanding is, why do they have to pull so many hard inquires? Why do they not just pull my credit report ONE time and then share that report with possible financial institutions? At what point does it become cruel, unusual, and excessive? Not to mention I would like to know why there are not limits placed on how many times a car dealership can run my credit. When I go to buy a car and they tell me, " We are going to pull you credit report to get you financing ", I figure they would pull it once or twice max! At no point does the dealership tell me that they are going to let as many people as possible pull my report.The fact that so many different companies are pulling my credit report obviously hurts my score. Not to mention, I know that those inquiries stay on my report for years. I know that many Americans do not like credit. It is reasons like this that credit is so hard to keep good and maintain.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information and allowed my sensitive personal details to be stolen by hackers. I am listed as a potential victim according to their equifaxsecurity2017.com website
Complaint sub-issue: Didn't receive notice of right to dispute

Reported on my credit report a new debt but has never sent a letter or provided me with any communication or information about the said debt. I would need Information like the dates of the original debtor to know if its even my debt. Since my SSN and other personal information was compromised during a data breach.
Complaint sub-issue: Information belongs to someone else

Have been going back and fourth to dispute items on my credit profile that do not belong to me ; have submitted police report, identity theft affavaidt, verbal, written and faxed disputes to all 3 major credit bureaus agencies without success. Chapter XXXX bankruptcy is reporting invalidly has wrong date and amount needs to be removed. XXXX XXXX XXXX and XXXX XXXX are not my accounts the company does not have a contract and hasn't validated the debt ; and I have never paid student loans late so the late pays on XXXX needs to be updated.
Complaint sub-issue: Their investigation did not fix an error on your report

I SUBMITTED ID THEFT DISPUTE TO ALL THE OF THE MAJOR CREDIT AGENCIES WITH FULL POLICE REPORTS. XXXX  AND XXXX  WE'RE ABLE TO REMOVE THE FRAUDULENT ACCOUNT BUT XXXX REFUSES AND REFUSES TO PROVIDE INVESTIGATIVE DETAILS FROM THE COMPANY IN QUESTION THAT PROVE THAT THIS ACCOUNT IS MINE. THE REFUSE TO BLOCK THIS ACCOUNT AS IS MY RIGHT PER THE FAIR CREDIT ACT
Complaint sub-issue: Debt is not yours

I bought a car back in XX/XX/XXXX ; it was repossessed in XX/XX/XXXX. The statute of limitations in the State of Florida is five ( 5 ) years. By law this debt is uncollectable. A few years ago I was contacted by another collection agency. When I told them what happened they closed their file. Now the debt has been sold to another debt collector who is trying to garnish my wages.
Complaint sub-issue: Information belongs to someone else

These are not my accounts, and I also didn't authorize these credit inquiries. My name is also incorrect and is not me.
Complaint sub-issue: Problem when attempting to purchase vehicle at the end of the lease

I purchased a XXXX Golf R in XXXX from XXXX XXXX in XXXX, VA. I leased the car through VW Credit. At the end of my lease, I decided to purchase the car from VW Credit. Just before this, VW credit billed me for 12 Months of personal property tax on the vehicle for the 2019 year. I paid the 12 Month bill in full to VW credit. I purchased the car off of lease on XX/XX/XXXX. The property tax bill that I pre-paid was due to the County on XX/XX/XXXX. As a result of my purchase, the county notified VW credit that they were only responsible for XXXX Months of tax which they paid. The problem is that I had already paid VW credit for 12 Months. Since XXXX of XXXX, I been unable to receive ANY refund from VW credit whatsoever. Moreover, whenever I call them, they claim they can not see any payments, etc. and will have to make a request to their tax department and get back to me. They NEVER get back to me. This is theft. Their XXXX XXXX XXXX rating is a " XXXX  ''. Thats very bad for a lending institution.
Complaint sub-issue: Debt was paid

We lived in an apartment complex and signed a year lease with them on XX/XX/XXXX. We paid on time and gave a XXXX $ security deposit. We moved out before the end date of midnight XX/XX/XXXX, left the apartment empty with no damages, and paid our final dues. SIX MONTHS LATER my friend gets a call from a collection agency asking for me. I call the collections company to see why they are bothering my friend and they say i owe them money and i need to pay right now or that they're going to send it to collections and continue to call me and my friend until i pay ( threat ). I didn't receive any letter any call and suddenly it ends up in collections for something i already paid.ON TOP of all of that they kept our security deposit and are still trying to get more money out of us.
Complaint sub-issue: Collected or attempted to collect exempt funds

Hello Im contacting you guys because I have XXXX phone calls strange emails and notifications from credit bureaus about this debt collection that is not mine. This is completely fraudulent and I have never done business with this company. I need this to be removed from our credit bureaus immediately before I take further action.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

on XX/XX/2020 I received an email notification from Equifax for a credit report inquiry from " XXXX XXXX XXXX  XXXX ''. This was troubling to be because I did not, nor am I even remotely interested, in applying for a vehicle loan. I do not have a car, I don't want one. Needless to say ... this inquiry WAS NOT AUTHORIZED. Furthermore, my Equifax score dropped because of this inquiry. What does XXXX XXXX want with me and vehicle loans? I don't want a vehicle loan from XXXX XXXX. Are they allowed to do this? Pull my credit report whenever they feel like it? This can't be right. Please investigate.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Account status incorrect

EOS CCA is reporting an account on my credit file that needs to be removed. I recently took a look at my credit and noticed this account. I called and immediatley settled this account since I was not aware about any collections on file for myself. This account got settled but I was never given a 30 day right do dispute notice on this account. This is a violation under the FCRA and the FDCPA and for that I ask that they provide me with a deletion letter. I am aware that EOS CCA has the ability to remove any accounts since they are the furnisher. I have settled the debt and am now asking for a deletion letter to the bureaus stating this account should be removed from my credit file.
Complaint sub-issue: Information belongs to someone else

I was overlooking my credit score and noticed that someone was using my information to open up fraudulent accounts. This was not me and i never gave any permission or authorization to use my information.
Complaint sub-issue: Public record information inaccurate

I filed Chapter XXXX bankruptcy in XX/XX/2018. Last week, the company RISE listed late payments on my account. This account was part of my bankruptcy. It needs to be removed
Complaint sub-issue: Company closed your account

My checking was hacked and funds were fraudulently withdrawn from my account. PNC ( apparently ) denied my dispute. PNC closed my account with a negative balance, stating abuse, with zero notice. Now, my account is being reported to XXXX XXXX stating that I have an unpaid balance, even though it was paid later. The account was negative for 22 days before being closed and reported as charged off. Didnt even give me the courtesy of 30 days which then couldve resulted in being paid prior. I was never even given an option or chance to pay prior to the account being closed. I was never notified of anything other than a 20 day late notice, but I was under the impression the investigation was still being investigated. I spoke to the branch, and they confirmed that the letter was never sent.
Complaint sub-issue: Their investigation did not fix an error on your report

Discover Financial indicating that I owe a debt that is not mine. I sent a letter dated XX/XX/18 advising that the debt was not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that i have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a signature validating that i authorized this account. I have attached a copy of my ID Theft report.