Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Indicated you were committing crime by not paying debt

I received a call from an individual claiming they represented Best Buy Credit Card, and their name was XXXX XXXX XXXX XXXX. The initial caller informed me I was going to be sued and my home taken and hung up when I explained I never had a card with Best Buy unless it was fraud. The number they call from is a toll free line of XXXX. I called back and was hung up on. I called Best Buy credit and verified I have never had any account with them. I can only get thru to the number by using friends phones as when I call they pick up and hang up. I can not find any collection agency or debt buyer under the name XXXX XXXX XXXX XXXX. I was only able to get the one ladys name and company name by calling from a friends line. XXXX XXXX, and the first time it was as XXXX XXXX XXXX XXXX XXXX. I believe this may be a scam as the initial phone call was so aggressive, if I did not have the education and experience in law, specifically debt collection law, I may have been bullied into paying. Threatening to sue me and take everything I own ( laughable ) claiming the debt was incurred in XXXX and never paid on, but not charged off until XXXX so I better get a good attorney. Threatening to garnish - like I said, the FDCPA violations were rampant. I was never mini mirandized, I was threatened with a lawsuit to collect a debt that never existed, sworn at, refused the name of the collector I was working with and refused the name of the company. I simply do not understand how they can prey on the innocent and they need to be stopped. Best Buy Corporate has been notified that the entity at the XXXX is actively using their name and threatening innocent people.
Complaint sub-issue: Information belongs to someone else

I recently purchased a house and i noticed a car loan from XXXX on my credit report without my knowledge. I have never did any business with this company. I am asking that this account be removed from my credit report please.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. On XX/XX/2022 payment history changed for XXXX from on time to past due. On XX/XX/2022 payment history changed for XXXX from past due to on time. On XX/XX/2022 for XXXX payment history changed from on time to past due. On XX/XX/2022 for XXXX payment history changed from past due to on time. On XX/XX/2022 for XXXX payment history changed from on time to past due. On XX/XX/2022 XXXX payment history changed from past due to on time. On XX/XX/2022 XXXX payment history changed from on time to past due. This creditor/account goes against the FCRA guidelines on fluctuating payment dates and unauthorized changes to my consumer report, I would like the account to report Perfect Payment History never late across all 3 credit bureaus in XXXX, EQUIFAX, AND XXXX. If the referenced account isnt reflected as payed in full The Attorney General will have acknowledgment on thee situation at hand. 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 hand written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I pulled my credit report back in XXXX and saw inquires that where not mine I sent out Certified letters to creditor and credit bureaus. I also talked to a manager with Equifax told me to fax my personal information and all inquiries but still nothing has been done. The actions kept happening on and off in XXXX no accounts where created but attempts where made. so I made up my mind to call the bureaus to handle.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX Credit Bureau has not XXXX XXXX the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX. XXXX XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3400.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX. XXXX XXXX XXXX XXXX : {$1700.00} XXXX. XXXX XXXX XXXX Balance : {$860.00} EQUIFAX XXXX XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$2000.00} XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX  XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX Balance : {$0.00} XXXX. XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Late/Closed XXXX. XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3400.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00} 11. XXXX XXXX XXXX XXXX : {$1700.00} 12. XXXX XXXX XXXX XXXX : {$860.00}
Complaint sub-issue: Their investigation did not fix an error on your report

There was an account reporting late on my report due to a court hearing not being set. The hearing happened and it was in my favor. I was never late. I do not owe any money. I submitted the payment log and the order to the credit agencies and they claim to have investigated but the only thing that was done is the balance was changed to XXXX. The late payments remained.
Complaint sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

I am filing this complaint because I was charged fees that I didnt agree to. Also, the car sales person who helped me with my car loan lied. I went to the XXXX XXXX Volkswagen dealership in XXXX TX with an approval from my bank. The sales person who assisted me at the time then advised after speaking with the loan officer that I wouldnt be able to use my bank loan, but they were able to finance me. I had a car at the time that I had less than a year left to pay on they then advised me that I would have to turn in my current car in order to be approved. In the end I signed a four-year lease with Volkswagen in 2012. And I traded in my current vehicle for the lease. After leaving the car dealership I had a bad feeling about the deal. I called my bank the next day and asked them was I not approved for the price of the car and was I required to trade in my current car. The bank rep advised that they approved me for the new car with the current car that I had. And they were aware that I was currently paying off a car loan. I then contacted XXXX XXXX Volkswagen and advised them what my bank stated, and I wanted to bring the car back and get my car that I traded in from them. They advised that I couldnt do that once I drove off the lot. A few hours later the manager called me because of my concerns and he then to advised me that they couldnt take the car back. And then I just dropped it and was very unhappy about the whole ordeal but took it as a lesson learned because I didnt have a greater understanding of what could be done to undo thing. Once it was time to turn the car in after the four-year lease I tried to obtain a loan for the car because he was only {$8000.00} more left to pay on the car. Volkswagen finical stated they couldnt approve me for the loan and I had to return the car. Once I returned the car it had normal wear and tear but was in good condition. However, once I received my end of loan bill it was over 10,000 because of damages as well as mileage overages. I contacted them right away because when I review the paper work the loan officer had me sign from that day it didnt include anything regarding mileage overages. Ive called several times to customer care they advised there is nothing they could do, and I owe the money. Im willing to provide as much information as needed but there is no way that I owe fees for things I did not agree to and damages I did not cause.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021 I mailed a letter, FTC report and copy of my social security number and ID to Equifax and XXXX  for fraudulent information on my credit report. I have done the proper steps of verifying my identity however they are refusing to correct this error. They have not responded to my letter and my credit report continues to report fraudulent information. A XXXX XXXX account is still showing on my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the Equifax data breach and may have got into the hands of the wrong person. Also, 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. 

1 ) Inquiry : XX/XX/XXXX AN XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX ) Inquiry : XXXX XXXX, XXXX AN XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX XXXX ) XXXX XXXXnquiry : XXXX XXXX, XXXX XXXX ) Inquiry : XXXX XXXX, XXXX XXXX XXXX  BANK XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ) Opened : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX ) Opened : XXXX. XXXX, XXXX XXXX XXXX CREDIT XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX ) Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX ) Opened : XXXX XXXX, XXXX XXXX XXXX  M XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX ( ACCOUNTS 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 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 seven 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: Reporting company used your report improperly

XXXX XXXX, XXXX Equifax had a breach in their online security which resulted in potentially sensitive personal data being released to bad actors. I have two complaints : 1. FINE PRINT. To find out if your personal data is subjected to this breach you need to opt-in to legal language which precludes you from being able to take legal action in the future. This is an obnoxious display of corporate ego and does nothing to support the common working man who could be a victim of identity theft for years to come. 

2. PLAN MOVING FORWARD. Equifax 's solution is to offer one year free of credit monitoring and then they suggest consumers pay for credit monitoring after that year? For how long? SS # s do n't change. This data will not lose value on the black market, ever. Equifax is positioning itself to PROFIT from this breach for YEARS to come through credit monitoring. This is also a revolting case of corporate ego.
Complaint sub-issue: Frequent or repeated calls

I keep getting phone calls from XXXX but no one says anything when I answer. They just sit there and then hang up. It 's getting annoying especially when its ' multiple times a day.
Complaint sub-issue: Information belongs to someone else

NTB/CBNA is reporting a charge off that I have not authorized/no knowledge of. I have reported identity theft on numerous occasions, however they are adamant that the report is correct. The credit card was opened on XX/XX/2018 for a balance of {$700.00}. It is currently reporting a charged off balance of {$1000.00}. Due to this inaccurate information my credit profile is impacted negatively!
Complaint sub-issue: Billing dispute

I have student loans that I have to repay. I was only notified by email which I do not check because I have no need to. I was n't aware of my loans going into default and being reported to the credit bureaus. I only received email, no letter in the mail or phone call. My credit score has dropped almost XXXX points due to this, which is restricting me from trading my vehicle to get a lower payment.
Complaint sub-issue: Other problem

A credit was opened in my name that I did not create
Complaint sub-issue: Account information incorrect

I have attempted multiple times to have XXXX XXXX XXXX quit reporting false information on my credit report. They are continuing to report that I have a balance and owe them money for a collection account that I paid off to another creditor. I have supplied this documentation to XXXX XXXX XXXX and they have failed to remove their false reporting of this account to Equifax. I was denied a car loan due to this false report. I have do not and have never owed this company any money for the account that they are reporting. I have disputed this account directly XXXX XXXX, 2017 and to this day they have failed to respond to my dispute. I have also called to dispute this multiple times and the " manager ' offered me a 20 % discount and to have the account removed once I have completed paying the account. I explained that he was trying to collect on an account that was previously paid to another collector. This company is violating multiple federal laws by falsely reporting on my credit report and offering pay to remove services.
Complaint sub-issue: Investigation took more than 30 days

I have filled a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I still have not received any investigation results.
Complaint sub-issue: Their investigation did not fix an error on your report

Important note Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX .... 
Recent balance {$41000.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX late. 
I disputed this account with XXXX. I believe that it is identity theft because I do not recognize this loan on my name. It is being reported as paid every month, but I do not even know what this is. I've submitted another dispute with XXXX right now through the XXXXt website. I don't pay this every month, so I don't know what it is being reported as something that is paid by me every month.
Complaint sub-issue: Information is incorrect

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 
For example, XXXX XXXX  XXXX XX/XX/XXXX {$81000.00} XXXX   XX/XX/XXXX {$24000.00} XXXX XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX   XX/XX/XXXX {$2500.00} XXXX XXXX XX/XX/XXXX {$19000.00} XXXX XX/XX/XXXX {$630.00} XXXX XX/XX/XXXX {$6200.00} XXXX XXXX XX/XX/XXXX {$6200.00} XXXX XXXX CRE XX/XX/XXXX {$23000.00} XXXX XXXX XX/XX/XXXX {$35000.00} XXXX XXXX  XX/XX/XXXX {$30000.00} XXXX XXXX XXXX XX/XX/XXXX {$35000.00} XXXX XXXX XX/XX/XXXX {$20000.00} XXXX XXXX   XXXX XX/XX/XXXX {$5000.00} XXXX XX/XX/XXXX {$280.00} XXXX XXXX XX/XX/XXXX {$250.00} XXXX BANK XX/XX/XXXX {$19000.00}
Complaint sub-issue: Attempted to collect wrong amount

Plus Four Inc, made a statement as their reason for reporting and claiming the wrong amount that showed a partial payment was made on the account reporting. This statement was false and the original amount claimed was an attempt by the collection company to indicate that I made a partial payment and now has amount remaining. This is a fraudulent tactic to justify the claim. The company also adding interest on claim that was not a loan or direct service from the company for profit. This is illegal tactic showing a higher amount and reporting a partial payment from that amount that never took place.
Complaint sub-issue: Debt is not mine

During a security clearance reinvestigation in XX/XX/XXXX, I became aware of a {$400.00} collection action on my XXXX credit report for a debt I do not owe. I had this debt removed from the XXXX report in XX/XX/XXXX and it has reappeared under a different collection agency. My XX/XX/XXXX complaint to XXXX County Office of Consumer Protection and the debt collector response are attached. 

I notified the new collection agency, IC System, that I do not owe the debt and requested proof of the debt. It responded with a nonsensical letter indicating that it intends to continue attempting to collect the debt. No proof of the debt was provided. My letter to IC System and its response are attached. 

I complained again to XXXX County Office of Consumer Protection and it sent a letter to the debt collector to which the debt collector has not responded. My XX/XX/XXXX complaint and the Office of Consumer Protection letter to the debt collector are attached.
Complaint sub-issue: Fee problem

Reference original CFPB Complaint ID XXXX. 
Citibank did respond, but did not follow through. They said for me to provide documentation in order to me to get reimbursed for the bounced check fees from my other bank - that Citibank caused - but I have not heard from them. It's been over 3 weeks. Their email says that they will review it with 'the highest priority '.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated the account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXX XXXX XXXX : {$0.00}
Complaint sub-issue: Didn't receive notice of right to dispute

ENHANCED RECOVERY COMPANY {$960.00} Open balance XXXX XXXX XXXX XXXX  Original creditor I have never had, nor authorized, a XXXX account, neither in New Jersey or Georgia. I I believe some one fraudulently open this account under my name using my information.
Complaint sub-issue: Information belongs to someone else

Equifax has a different credit report on My file. This is a huge violation. The DOB is listed as XX/XX/1933 and that's not my DOB. Equifax has the wrong person on file and the accounts noted are also not mine and no information given, after 3-4 months. Per 15 USC 1681a, 1692efg these accounts are noncompliant and I want removed immediately. I will also be pursuing further. Copy XXXX, Attorney General and FTC.
Complaint sub-issue: Didn't receive enough information to verify debt

I XXXX XXXX became an authorized user for several of my daughter in laws credit cards several years ago. I have recently discovered that she has defaulted on all of these credit cards. I now have these defaulted accounts along with the continues collection process, that also does not belong to me. Accordingly, I demand the deletion of the following accounts from my credit reports collectively : XXXX XXXX XXXX DISCOVER FINANCIAL SERVICES LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit denial

XX/XX/21 - Approximately XXXX, I walked into Tesla Motors located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX for a consumer credit transaction with regards to a new Tesla . Everything was going fine until I was required to pay a reservation fee of {$250.00}. I reluctantly paid the reservation only to proceed to the finance portion. Tesla had a loan option but a consumer credit transaction option. As I reluctantly went through loan process, I gave Tesla my social security number which is a credit card number under 15 USC 1602 ( l ) to pay for the vehicle. My application was denied. I was confused and embarrassed because I know that I am the original creditor and I am the one who is extending credit to Tesla so how can they deny me? Why did they deny me? I tried to the finance department but the only person that I was able XXXX from XXXX in the sales department. After a couple conversations trying to get some answers, I received an email from XXXX XXXX at XXXX which stated that my application was denied due a low XXXX  score and delinquency on my account. They literally waited until the office closed on the west coast to send the information I was looking for. Ive tried to reach out to XXXX XXXX via telephone but I am getting no response. 
Tesla Motors actions were in direct violation of the Truth In Lending Act and other federal laws : 1 ) Running my credit card and denying my right to credit 15 USC 1602 ( f ) 2 ) I am the Original Creditor, I am not a borrower per federal law. I am the person extending credit to Tesla 15 USC 1602 ( g ). Neither Tesla nor their banking partners have the power to loan money under 12 USC 1431. They are the borrowers per 12 USC 1431 3 ) When applying for credit, there was no disclosure section speaking to a finance charge which is in direct violation of 15 USC 1632a, 15 USC 1632b, and 15 USC 1637a ( 1 through 8 ) 4 ) Shopped around my credit application without my knowledge or permission which left 5 different inquiries on consumer credit report. These actions are in violation 18 USC 1028A. 

XX/XX/21 - I tried to get in touch with XXXX XXXX again but no response or call back.
Complaint sub-issue: Account status incorrect

I REVIEWED MY CREDIT REPORT AND FOUND ERRORS. I SENT IN A WRITTEN DISPUTE CERTIFIED MAIL AND I HAVE YET TO SEE ANY RESPONSE FROM THE CREDIT AGENCY.
Complaint sub-issue: Account information incorrect

Back in XXXX I wrote a good will letter to you all ( XXXX XXXX ) for the account ending in XXXX. When I first got the card back in XXXX, I didn't fully understand how credit card works outside of being educated about trying to keep it under XXXX percent. With that being said in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I experienced a financial hardship, and I didn't understand the importance of making my payments. After being properly educated I have not missed any payments and I asked for you all to have mercy on me and removed the late payments. Being that the cost of living has increased so has the requirements. The late payments that I made several years ago are affecting me being able to rent today. I was advised they would be removed but do not see the changes that were supposed to be made on the credit report.