Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

On XXXX XXXX, 2020, I wrote a check for {$28.00} to XXXX in XXXX XXXX, FL. The check never cleared the bank, and I could not figure out why. My bank had no record of it. Two months later, my check was declined at a store. I requested my file from XXXX, which showed the outstanding XXXX check. I contacted XXXX XXXX XXXX 's parent company, XXXX XXXX XXXX XXXX, XXXX XXXX again ) and Audit Systems. No one seemed to know what was going on with the check and why it did not clear. I called my bank and heard the same story. No record of it. This went on for some time with no answers. Finally, XXXX XXXX saiid Audit Systems had this check. I called to find out what I could do to resolve this. Audit Systems said my bank had rejected this check because of the check image. They wanted me to pay the amount of the check, along with a {$25.00}. I refused to pay the fee because I said I was not at fault for a bad check image. I also told Audit Systems that my name and contact information were on the check, so why wasn't I contacted if there was a problem. I received no straight answer. We argued back and forth over this fee that I was not about to pay. I contacted XXXX XXXX again and was told that Audit Systems wanted to collect the fee because if they didn't, they would not collect their commission. I said I was not paying a fee. XXXX XXXX finally had the check moved to another agency, who did not charge me a fee. I paid the {$28.00}, and that was it. Audit Systems was unprofessional, rude and condescending. I do not want anyone else to be taken advantage of by these creeps. I'm sure others pay their fees without questioning. I was not.
Complaint sub-issue: Debt was result of identity theft

I received notice that my credit score had dropped due to a collection account in XX/XX/XXXX. I logged into XXXX  and found a collections account for XXXX XXXX XXXX for {$5800.00}. I originally thought this debt was not mine and submitted a complaint that I did not owe this. XXXX  agreed with me and removed the debt from my report. 

In XX/XX/XXXX it popped up again with an new collection company Enhanced Recovery Co. I disputed this again. Except this time they sided with the collection agency and said I owed it. I did some research and found it was a collection from XXXX for an unpaid bill. This was news to me because my XXXX bill was paid in full monthly and I never missed a payment. 

I found that the account in question was a closed account with XXXX when I updated my last phone. XXXX started a new account and closed the previous one out. 

In XX/XX/XXXX someone had ordered 4 XXXX XXXX, a XXXX XXXX XXXX, and a XXXX watch under the old account number associated with me. I never received a bill or notice this had happened until it went to collections. Now I have been fighting to get it removed my credit report. 

In XX/XX/XXXX I called XXXX to have the debt disputed. They agreed over the phone this is not my debt and my current account is in good standing. I submitted a fraud dispute on their online dispute center and never heard back. 

In XX/XX/XXXX I called XXXX  to question the last result to not remove the debt. They filled a fraud dispute and told me to file a complaint with the FTC. 

I have attached the bill of the account that was fraudulently used to purchase the equipment in my name.
Complaint sub-issue: Personal information incorrect

On XX/XX/2020, I received an alert from Equifax regarding an new address added to my credit report, which does not belong to me. I have not applied for any credit or my creditors have this address. I have tried to dispute this address but Equifax sill has this address on my credit report as mixed. The said they have deleted this information form my credit report but still not showing correctly.
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 {$15000.00}. 
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 ) -- AUTO LOANS OR LEASES 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$15000.00} -This is not my account.
Complaint sub-issue: Account status incorrect

This account was closed months ago, yet is still showing as open on my Credit Report : XXXX XXXX. Please remove from credit report.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The fraudulent information listed below is showing on my cret mine. I am officially disputing the fraudulent information and requested an immediate investigation. please remove the fraudulent information immediately from my file. I have attached all documents required by law and also directed to me by your fraud department. I also listed these laws for your convenience. 

XXXX  XXXX XXXX
Complaint sub-issue: Card opened as result of identity theft or fraud

Multiple accounts have been created with my name, social, date of birth. Citibank and Citibank BestBuy are the latest of the accounts that were successfully obtained. Also, a checking account with XXXX XXXX XXXXXXXX was fully established, which has since been shut down. An account was created with XXXX & XXXX, XXXX XXXX XXXX and others with my identity. I wonder if the breach occurred when we obtained a home loan last XXXX ( 2021 ) because the entire application with XXXX & XXXX was done electronically ( DUE TO COVID ). The site was supposed to be secure. I have spent {$250.00} to get XXXX XXXX, and an obscene amount of time with each fraudulent activity to shut it down. Our system is BROKEN!!
Complaint sub-issue: Reporting company used your report improperly

I heard about the scandal with Equifax and was sent the email to check to see if I was affected. According to the link, it said there was a good chance that I was affected based on the information that I provided. The date that I checked was today, XXXX XXXX, 2017.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( 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 permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or 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. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

" XXXX '' Fraud Credit Inquiry Not Done by me. XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXXXXXX XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXXXXXX XXXX XXXX ) In addition there is One Inquiry by XXXX XXXX and XXXXXXXX XXXX that was authorized by me, but the above mentioned Inquiries are not done by me. " XXXX '' Fraud Credit Inquiry not done by me. XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXXXXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXXXXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) These inquiries were not done by me. " EQUIFAX '' Fraud Credit Inquiry not done by me. XX/XX/XXXX ( XXXXXXXX XXXX ) XX/XX/XXXX ( XXXX XXXX  ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) These Inquiries were not done by me. XX/XX/XXXX ( XXXXXXXX XXXX XXXXXXXX )
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2021 I opened a checking account online with Citibank. The following day XX/XX/2021 I received an email from them that they needed address verification, I submitted that requested info the same day via XXXX as requested through Citibank. On XX/XX/2021 I received and email from Citibank stated my account was opened and I needed to fund the account. So I went ahead and funded the account. I received a debit card via XXXX the following XXXX XXXX. 

I tried using the debit card at the store and my card was denied. I came home and called customer service and they stated that my account has a " block '' on it because their back office has not reviewed the address verification, They asked that I give them another XXXX XXXX. XXXX XXXX had past still didn't have access to my account. So I went into my local branch spoke with the branch XXXX he tried to get this issue resolved but was unable to get the block removed. So at that time we decided to just open me another account an fund the second account. So I did that and then went home called the customer service department as asked to have the close the account that has the block on it. Customer service stated that it will take XXXX XXXX to close that account and they would send me a check with the balance owed to me. 

On XX/XX/2021 I go online to pay bills using the XXXX account and once again my card was denied. I looked up mu account online just to find out they closed the XXXX account emptied all my money. I called the bank they stated it as mistake but was unable to stop the process. That they are processing a check to send me of what was in that account. They do not have a timeline as to when I will receive my money back. 

So now I have an account XXXX XXXX but cant access because of the block on my XXXX account has been closed and my money is being sent me whenever it goes through their processing, I haven't had access to my money for almost a XXXX, I have rent, insurance, bills and XXXX to feed with XXXX access to my money. This is unacceptable! Please help get this issue resolved ASAP.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

In XXXX I made 2 deposits on a cruise scheduled for XX/XX/XXXX. There were 2 payments totaling XXXX. The cruise was canceled on XX/XX/XXXX due to Covid. The cruise line has stated they will be returning funds in full in 90 days. XX/XX/XXXX was 90 days. I have asked Citibank twice to assist me in obtaining the funds. Twice they have refused citing the fact that the deposits were made in XXXX. They also said they contacted the company and the company is going to declare bankruptcy. This has been refuted by the travel agent and I have no confirmation of this. This is a rather large sum of money and I would like it returned to me. Citibank is not interested in helping with this.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Discover is being strange and aren't doing there job correctly, I have file a dispute twice and they fail twice they are putting the incorrect information twice and have told me that they transaction was valid which we are know that i'm disputing against XXXX that because they have only credit me half of my returns when i'm waiting on my other half of the returns of credit and discover doesn't understand what is going on who did they hire to do these kind of jobs???? they only care about taking our money becareful people not every human being are nice ... ... 

give back my money and I have uploaded all of my documents what else do you need!!
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

XXXX XXXX and XXXX XXXX ran hard inquiries into my credit for secured credit cards and on the site it explained they do n't run hard inquiries on such credit applications but there customer service representative utterered something different over the phone speaking to the contrary. I need these XXXX hard inquiries removed from my credit report. Also exqufax has the wrong social security number and does n't want to fix this I need these two issues resolved as soon as possible.
Complaint sub-issue: Was not notified of investigation status or results

. I submitted dispute letters to Equifax, XXXX, and XXXX  notifying them of the accounts that did not belong to me on XXXX I have yet to receive a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and represents a very serious error in reporting.
Complaint sub-issue: Debt is not yours

XXXX - Sent company a letter about them reporting negative debt on my credit reports, and told them that the debt did not believe to me. Sent them a copy of my Driver License with my signature. XXXX - Company responded with paperwork of a signature that was not mines. XXXX - sent company a second letter with a copy again of my drivers license and they told me i needed to file a complaint with the police department before they could remove the debt off my credit report. They did not provide me a copy of my driver license all they provided was a signed contract in which does not have my signature on it.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX the following accounts 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 a account without my written instructions. 

- Account # XXXX Account Name-XXXX  XXXX XXXX -Account # XXXX Account Name- XXXX XXXX XXXX -Account XXXX XXXX Account Name- XXXX XXXX XXXX -Account # XXXX Account Name- XXXX XXXX
Complaint sub-issue: Used obscene, profane, or other abusive language

Questionable business practices. No statements and no receipt of payment. Excessive amount of interest and fees accessed. 
Attitude and a high level of insolence from the person that I dealt with. Never sent statements and recipient of the payment made. Excessive amount of charges and interest. 
In addition, when I called in for the receipt which they claim was sent on XX/XX/27 from XXXX XXXX to rapid city was not received by XXXX. They mockingly stated they arent responsible for the post office, to which I replied I wasnt claiming that but it only takes 2 bdays to get anything from XXXX XXXX. When I asked for a sup the person audibly laughed at me. I have acr recorder on my phone and have a copy of this conversation and the one I had with sup XXXX who proceeded to tell me received a receipt of payment is a courtesy. I informed her I have a legal right to documentation showing proof of payment she insisted I use my bank statement and I again informed her I shouldnt have to do that and that not everyone that needs the receipt will accept that as proof of payment. She gave me no inclination that she cared one bit about the attitude of her rep. She did state her director is XXXX XXXX. I would like this forwarded to XXXX XXXX. I think its unprofessional and ridiculous that we dont have a way to get a receipt either online or a screen shot at least emailed to us. This is egregious. 
Desired Outcome Fair and equitable treatment from business and complete clarity on the issues of the poor billing practices. I WANT A RECEIPT IMMEDIATELY AND A CALL FROM XXXX XXXX OR WHOEVER THE DIRECTOR IS
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I entered my information through Discover 's SOFT approval online tool. They pulled a hard copy of my credit report. 

Text to Discover : To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XXXX, I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of on XXXX. My understanding is that this was a SOFT INQUIRY based on direct mail, per all advertising. I did not authorize a hard inquiry. 
Because I did not apply for credit with Discover Financial Services, I am asking that you remove this inquiry from all three of my credit profiles. 
If you disagree with this assessment, I am requesting an investigation into Discover Financial Service to determine who authorized it fraudulently. Upon completion, please provide written correspondence that details the results of your findings. 
If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if you can not prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 
Thanks in advance for your prompt attention to this matter.
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 {$29000.00}, {$59.00}. 
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 ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$59.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax regarding them not reporting two credit card accounts that are reporting on XXXX and XXXX. The accounts are XXXX XXXX account # XXXX and XXXX XXXX XXXX XXXX account # XXXX. I am not sure why Equifax is not reporting the accounts, because the company has sent them the information.
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
Complaint sub-issue: Old information reappears or never goes away

We've had this credit card since XX/XX/XXXX. We got the card as newlyweds to start building credit to buy a home. We always paid our bills and had nearly perfect credit. In XX/XX/XXXX we used the card to help our son open a XXXX. Six months later, he unexpectedly passed away in a XXXX XXXX. We lived 5 hours away from the XXXX, and hired a new manager who ran the business into the ground. We kept it going until XX/XX/XXXX, but finally had to close. Our income was low, and we just couldn't continue paying the credit card payments. We called XXXX and tried to see if we could work something out to settle our balance. They had already closed the account. However, it continued to show up on our credit report and dinging our account in the years since.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has an erroneous medical collection account being reported on my credit file XXXX XXXX XXXX XXXX XXXX. I have now disputed this twice with Equifax, who somehow magically did their investigation twice now in under 48 hours. This is a clear violation of my rights and numerous credit laws.
Complaint sub-issue: Old information reappears or never goes away

This loan was originally obtained in XX/XX/XXXX. The loan first became delinquent on XX/XX/XXXX. I obtained a copy of my Equifax report on XX/XX/XXXX to see what was on it. the account was reported as delinquent since XX/XX/XXXXas expected. The account was due to be removed from my credit report on XX/XX/XXXX and today on XX/XX/XXXX I once again checked my report and noticed that the creditor XXXX erased all of the previous reported missed payments from my report and re-reported the account as being delinquent only as of XX/XX/XXXX. I contacted equifax via telephone and the representative notified me that as of XX/XX/XXXX XXXX  reported that I was only 180 days late on the account. By my calculation a delinquency from XX/XX/XXXX does not equal 180 days late. The creditor is try to keep the account on my credit report longer that legally allowed by reporting fraudulent information to Equifax. I have disputed this account on 4 different occasions asking for proof of contract between myself and this agency without any luck in obtaining that information. My original creditor was not this agency that is currently trying to collect on this very old debt.
Complaint sub-issue: Reporting company used your report improperly

I reviewed my credit report and noticed multiple Erroneous accounts. Sections 609 ( a ) ( 1 ) ( A ) require Equifax to validate these accounts. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX XXXX Bankruptcy Case Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY XXXX. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX XXXX Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY XXXX. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX XXXX Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY XXXX. Erroneous account direct violation of 15 USC 1681 reporting incorrectly XXXX XXXX  Account Number : XXXX PLEASE DELETE FROM MY CREDIT REPORT IMMEDIATELY
Complaint sub-issue: Information belongs to someone else

Keybank allowed an inquiry to go through my transunion credit report that I did not authorize, nor was the consumer statement cleared. I did not authorize any products through their company nor did I authorize any applications to be submitted in my name. The inquiry date is listed below, I am a victim of identity theft. This application is fraudulent, and I want this withdrawn and removed from my consumer credit file XXXX Bureau since I did not authorize this to be submitted to begin with it is fraudulent. 

KEYBANK NA XX/XX/2019 2019
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 last XX/XX/XXXX. 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 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