Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Upon reviewing my credit file I have noticed that there has been reported multiple inquires that I have not authorized. I was never contacted nor did I ever agree to any of these fraudulent inquires for any of the accounts below : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please remove these inquries from my credit file.
Complaint sub-issue: Information belongs to someone else

The complaint I filed previously ( # XXXX XXXX, wherein the company ( Citibank ) replied as to their reason for a hard pull on my credit. 

This is not possible, as I did n't ever apply for a Citibank XXXX card. So either they pulled the wrong report for the individual applying for the card they allege, or a fraud has been committed. 

There was no reason for a hard pull on my credit on the said date ( see complaint filed on XX/XX/XXXX # XXXX ). 

Though you have this reply from Citibank on this complaint number, I will provide the exact reply below : " I sent a letter to the customer declining his request to remove the inquiry as it was the direct result of his request for credit when his application for Citi XXXX XXXX Card was received onXX/XX/XXXX. '' As stated above, I never filled out an " application for Citi XXXX XXXX Card '' on XX/XX/XXXX. Please let me know how I can proceed or how CFPB will proceed with this false claim and unnecessary hard pull on my credit. 

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

On XX/XX/2022 ATG CREDIT added a derogatory mark on my credit report ( XXXX and XXXX ) per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, ATG CREDIT has violated my rights as a consumer and I am requesting legal action to remove this account immediately
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I went through the dispute process to dispute two transactions from XXXX and I did not receive the service I paid for. For XXXX and XXXX. I was not satisfied with this service because it was not as advertised as there were no people to get matches with on the site. XXXX just sent in a copy of terms, which was not initially provided, and Discover has refused to help me in reversing this charge. This service is not what I paid for and Discover is refusing to work with me even though I have been a customer for years.
Complaint sub-issue: Account status incorrect

Made payments. But they marked me late. Have wrong information from another bank on file on my account. Refuse to help me.
Complaint sub-issue: Account information incorrect

I have reached out to both XXXX XXXX and credit report agencies regarding a late payment that is showing on my credit reports. This is inaccurate and needs to be updated/deleted immediately. XXXX XXXX, XXXX, XXXX, and Equifax all sent back computer-generated letters saying they found it to be " accurate ''. I then requested a method of verification -- No Response! It has been well over 30 Days.
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX - I contacted XXXX XXXX XXXX # XXXX spoke to XXXX XXXX he confirmed the Creditor XXXX even had WRONG SOCIAL, DOB only thing they have is my same name. This is not my account I do not have XXXX and have had the same phone service last 9 years! He assured he would take care of this matter and remove from my credit report. I never received confirmation and contacts bureaus. 
Today XX/XX/XXXX I call to check status speak to XXXX XXXX and he says he doesnt know anything he cant do anything but say my information doesnt match! Then remove! This is illegal and doesnt go by the law.
Complaint sub-issue: Information belongs to someone else

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Card was charged for something you did not purchase with the card

I FILED A DISPUTE WITH CITI BANK IN XX/XX/2019 REGARDING THE PURCHASE OF A MATTRESS IN THE AMOUNT OF {$1100.00}. I DISCUSSED THIS PROBLEM WITH CIITBANK BUT ANYWAY REVERSED THE CHARGES BACK ONTO MY CREIDT CARD EVEN THOUGH IT WAS NOT MY FAULT. I HAVE ATTEMPTED TO CONTACT CITIBANK SEVERAL TIMES BY PHONE, INTERNET AND MAIL, BUT DUE TO THE VIRUS THEY CLAIM RESPONSE IS DELAYED, BUT IN FACT THEY CAN NOT BE CONTACTED AT ALL. I ALSO FORWARDED A RETURN RECEIPT LETTER TO THEM AND I DO NOT WANT TO INCUR ADDITIONAL CHARGES FROM THIS MISTAKE. 

THE XXXX XXXX ( SLEEP HAPPENS ) FAILED TO DELIVER A MATTRESS TO ME ON TIME. RESULTING WITH NOTHING TO SLEEP ON I WAS FORCED TO BUY AN AIR MATTRESS THEN PURCHASE ANOTHER MATTRESS FROM A  DIFFERENT COMPANY ... THIS COST WAS OUT OF MY OWN POCKET EVEN THOUGH THE MATTRESS COMPANY WAS IN ERROR. 

CITIBANK XXXX, XXXX XXXX, SD XXXX
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX  more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2022, a new hard inquiry was added to my credit report from Citi Bank. I did not try to open any new accounts with Citi Bank. I called them directly, and when searching my social security number, they have no record of me or my social linked to any open account or active application. As of XX/XX/XXXX, there are still no active accounts with my information.
Complaint sub-issue: Account information incorrect

I paid {$5000.00} on my HOme Depot consumer card on XX/XX/XXXX in which the funds were released immediately. I tried to purchase a refrigerator on XX/XX/XXXX but was declined because XXXX did not post the payment and instead was going to hold it until the XXXX. If I would not have called and inquired about the balance and why it does not reflect the correct information they wouldve reported to the the credit bureaus a false balance thus jeopardizing my credit score and history. When I spoke to three different CSR no one could explain why I had to call back in and tell them to post the money they held for the last 8 days. Why would they subject me to this bias and unfair credit treatment by holding my funds that was released immediately and eventually reporting bad information to the credit bureau? What type of protection as a consumer do I have from this fraudulent practice?
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have a Citibank XXXX XXXX Credit Card. I received a refund on a purchase for a large sum of money, ~ {$12000.00} that I had previously paid the balance. Now I currently have a negative balance on my card, ( Citibank owes me this money ). I contacted them XX/XX/XXXX to send me an electronic transfer for the money owed to which they said they would. I have since followed up with their customer service department 3 more times ( 4 times total ), to which they keep saying it will be another 3-5 business days. This has been ongoing for a month now to no resolve. I really need help retrieving this amount due.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently received my credit report from Equifax and notice various inaccurate accounts listed in the hard inquires section. As listed, these are the following allegations that were reported. XXXX XXXXXXXX XXXX XXXX  XXXX ( XX/XX/2017 ), XXXX XXXX ( XX/XX/2017 ), XXXX XXXX XXXX ( XX/XX/2017 ), XXXX XXXX, XXXX ( XX/XX/2017 ), XXXX ( XX/XX/2017 ), and XXXXXXXX XXXX ( XX/XX/2017 ). All the following hard inquires were not authorized by me and I not consent to these companies to use my personal information. I have tried many times to resolve this issue with by phone but never a successful outcome.
Complaint sub-issue: Charged too much interest

I do not have records in front of me. They are contained in emails sent by Discover. I used this card quite a bit at first, and decided to create an online account so I could see why my balance increased suddenly by a few XXXX dollars. I found XXXX fraudulent charges-1 with XXXX XXXX Glasses, and another charge for a optometrist that did not happen. I watched my account change before my eyes... However my balance was still extraordinarily high. 
I closed the account and Discover said they did not see this at all. 
I changed my payment to auto-pay for {$100.00} a month until I saw my balance was in the {$400.00} range. 
I decided to drop my payment to {$50.00} per month, and saw that last month, instead of reducing my balance, instead it increased to the {$500.00} range. 
Before finding this out, I tried to re-open my account since I now have a new raise and a job with the city. 
Discover rejected my application and added extra interest... to me, it seemed like a COERCIVE ATTEMPT TO PERSUADE ME TO PAY THE CARD OFF AT ONCE ... INTIMIDATION. 
I have had persistent problems with Account Execs who do not have the skillset vocabulary to know the difference between earning interest vs. being charged interest. I could not get them to give me the actual amounts either.
Complaint sub-issue: Public record information inaccurate

I STARTED the. personal bankruptcy process back in XXXX or XXXX. The " XXXX XXXX Firm : '' I hired to help me with it, told me that when they sent my file to the " XXXX XXXX XXXX '' they were informed that that association wanted to do an audit on my financial records before they would register the Bankruptcy. So I retracted my Bankruptcy Files and Halted the " XXXX Process '' because I did not want to go through the hassle of being audited. Evidently the XXXX XXXX " TEAM '' posted the " XXXX '' on my credit report anyway, even though I never authorized the " Bankruptcy Filing '' nor was it ever filed. Therefore, the " XXXX '' that is listed on my credit reports is not correct and it is a misrepresentation of my personal credit. It has damaged my credit severely and it continues to damage it. 

I have contacted the XXXX XXXX XXXX about this several times but they refuse to remove it even though it was never formally filed, or processed and I was never dismissed of any debts!
Complaint sub-issue: Company closed your account

Hello! On XXXX XX/XX/XXXX I opened a Citi savings account over the phone with a representative after the offer was targeted to me. During the next week I added a few external bank accounts to my Citi account so that I can fund my new account. These external accounts were at other banks and were my accounts under my name, under my social security number.. During the week of XX/XX/XXXX XXXX began adding money into my Citi account.. adding exactly XXXX XXXX with the goal of reaching XXXX XXXX to qualify for the promotion. On Thursday XX/XX/XXXX I go to log on but my online access was frozen.. forcing me to call into the bank to understand why. I learned that they shut down my account due to " fraudulent '' activity and recommended it for closure which has held my money hostage with the bank, not allowing access for myself. I've called many times attempting to get more information for the closure while offering to provide additional information in case an algorithm made a mistake. As an example I use a VPN on my computer and maybe this caused a problem. I've not been allowed to talk to anyone, provide more information, plead a case, or get my money back. There was no fraudulent activity.. I am a normal w2 employee who was transferring money from external accounts into a new account that I just opened on the phone with a Citi representative... and I still don't know why it was closed after many phone calls. My main concern is getting my fifteen thousand back to me which has been held hostage by Citi bank since XX/XX/XXXX with no end in site.. money that I may need due to normal life circumstances or money that could be collecting interest at another bank. Citi is holding my money interest free after pre-maturely ending the business relationship. If this is the case? Ok... so give the customer their money back then move on. My second concern is that they will report me for fraud which could effect me in the future whether it will be opening banks, credit cards, or applying for loans. I repeat that there was XXXX fraud.. I performed very normal bank activities that most people do on a daily basis so I was highly surprised that my account was locked after only a few days. I can provide accounts, routing numbers, prove of transactions.. anything but the bank will not allow me to do anything.. just wait for more researched to be done.. whatever that means. It is now XXXX XXXXThank you and I hope you can help me get this resolved.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello I contacted the Main Company that allowed someone to apply for credit which cause XXXX XXXX XXXX XXXX California to run my credit with over 30 different companies on XX/XX/XXXX. I spoke with the General Manager of XXXX XXXX XXXX XXXX California XXXX XXXX, and he did apologize and admits this was done in error and they would all be removed, however these inquires remain on my report. I contacted each creditor and they were rude and not willing to take action in removing these inquiries from my credit report that were all done on same day XX/XX/XXXX and XXXX, XXXX. In the result this has caused my credit score to drop and preventing me from having excellent credit. Below is a list of the companies that I have inquiries from and demand they be removed. 
XXXX XXXX XXXXran XXXX  times XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ran 2 times XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 5
Complaint sub-issue: Debt was paid

IC Systems representing XXXX XXXX XXXX I paid the debt in full. ( XXXX ) and IC Systems has charged my debit card XXXX! For a total of over XXXX US dollars. This is absolutely unprofessional and what I consider theft! I spoke with XXXX at ext. XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX I was charged {$3.00} by XXXX on my XXXX XXXX XXXX credit card ending in XXXX. Unfortunately, there was a glitch in the XXXX XXXX app and my AutoPay was not set up as it was and because of this, I carried that balance, which generated interest and late fees for a total of {$12.00}. 

The problem is that in XXXX my account was marked as delinquent, and that's when I found out what was happening. So I proceeded to pay immediately what I owed ( including interest and fees ) but that delinquency marked on my credit history, dropped my credit score by XXXX points, and it is really affecting my credit situation that I've worked for years to keep on an outstanding condition. 

I called XXXX XXXX to explain this and they told me I have to send a letter to their po box to try to get this fixed but a customer representative told me today on the phone that won't be possible to get repaired. 

That is why I'm opening this complaint with CFPB to help me since this was an honest mistake, I already paid what I owed. It is such a small amount that it will be a shame that for such a small amount I get my credit score and history damaged for life. 

I'd really appreciate your help with this.
Complaint sub-issue: Debt was result of identity theft

I contacted XXXX XXXX in XX/XX/2021 via phone regarding a collection account I did not recognize. The collection agency representative I spoke with could not locate me in their system based on my personal information that I provided. The representative then advised she would contact her supervisor and get back to me. I never heard back. I later filed a complaint against this company and which they removed the collection account from my XXXX  and XXXX  reports. They have now forced this fraudulent account onto my Equifax report. I have notified Equifax on multiple occasions this is not my account and is a result of fraud and they refuse to remove it.
Complaint sub-issue: Account information incorrect

On Thursday XX/XX/2019 my credit score was XXXX on Friday XX/XX/XXXX XXXX, Equifax, XXXX dropped my score from 34 to as much as 89 points. There was no additional information added or deleted during this time period except that my Credit Card balances were reduced slightly which should increase my score. Upon contacting XXXX they stated that is not information we can provide you. Predatory credit reporting is the biggest consumer ripoff in the United States. ; I want the score returned to the mid 600s or a legitimate explanation why it is not!
Complaint sub-issue: Transaction was not authorized

My account was hacked and {$32000.00} was withdrawn from my equity account without my permission. The bank does not believe that it was not my fault. Then they sold my debt to a debt collector that is forcing me to pay back the amount plus interest.
Complaint sub-issue: Overcharged for something you did purchase with the card

I applied a Citi Flex Plan in the amount of {$300.00} on XX/XX/2020. Citi card bank should deduct this amount in three months, {$100.00} per month. But Citi bank deducted the whole amount of {$300.00} instead of {$100.00} on XXXX. Then Citi bank still charge {$200.00} for two third of Flex amount XXXX on my new statement. This XXXX is a duplicate charge. 

I called Citi bank about this mistake, they agreed to refund this {$200.00}. however, after they refunded {$200.00} to my checking account on XXXX, they charged this {$200.00} back to my credit card account again on XXXX. 

I called Citi bank several times, walked into their local office, and wrote two letters to Citi office about this mistake and submitted all support documents and statements. I request Citi bank to fix this mistake and refund my {$200.00}. But Citi bank simple replied that my account balance was accurate without any explanation.
Complaint sub-issue: Personal information incorrect

Credit Karma Inc. / CreditKarma.com Complaint I reside at an RV park in Texas. The General Manager of this park contacted me and informed me that he had received information from CreditKarma.com, doing business as Credit Karma Inc., that I had registered a vehicle to the park address which is against their policy. I have not registered a vehicle to the park address. I informed the GM of this. I contacted Credit Karma Inc. via XXXX  which is the only way to contact this company, as they have no phone number or mailing address publicly listed, and requested that they disclose any information in their database related to my identity. I understand that the Fair Credit Reporting Act provides me the right to have access to my personal information in a companies database if that information is to be used for the purpose of credit reporting or screening my identity. Credit Karma Inc. refused to disclose my information and attempted to elicit further information from me by claiming that they required names and email addresses that I have used in the past in order to verify my identity.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXXXXX ...., 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: Credit inquiries on your report that you don't recognize

XXXX XXXX is listed that I do not recognize
Complaint sub-issue: Public record information inaccurate

I sent XXXX dispute letters for XXXX to remove this XXXX  # XXXX that does not belong to me and does not have my last name. They did not respond to 2 of my disputes only 1 and said it was verified by the courts and it was not because I contacted the court and the court sent me a letter that said they did not share information with XXXX which means it was not verified and they need to remove it off my credit file.