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

I own a company, XXXX XXXX XXXX. I had an employee steal my personal and business information. They opened accounts in my name and ruined my credit. I have brought civil action against XXXX XXXX & XXXX XXXX. I won my lawsuit. They were also charged criminally and convicted. I have attached my legal work and I ask immediately that these accounts listed below be removed from my credit report due to fraud. 

1 ) XXXX XXXX XXXX CC Opened XX/XX/XXXX balance {$16000.00} ( Remove ) 2 ) XXXX XXXX Opened XX/XX/XXXX balance {$6000.00} ( Remove ) 3 ) XXXX/XXXX  Opened XX/XX/XXXX {$0.00} Balance ( Remove ) 4 ) XXXX Opened XX/XX/XXXX Balance {$32000.00} ( Remove ) 5 ) XXXX  Opened XX/XX/XXXX Balance {$4500.00} ( Remove ) 6 ) XXXX Opened XX/XX/XXXX Balance {$27000.00} ( Remove ) 7 ) XXXX XXXX XXXX ( Home Equity Line of Credit ) Opened XX/XX/XXXX {$320000.00} ( Remove ) 8 ) XXXX XXXX XXXX Opened XX/XX/XXXX {$0.00} Balance ( Remove Account was compromised by fraud because my bank account used to make payments was stolen ) 9 ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2100.00} ( Remove Account ) 10 ) XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$99000.00} ( Remove Account ) 11 ) XXXX XXXX   Opened XX/XX/XXXX Balance {$0.00} ( Remove Account ) 12 ) XXXX Opened XX/XX/XXXX Balance {$3500.00} ( Remove Account ) 13 ) XXXX Opened XX/XX/XXXX Balance {$0.00} ( Remove Account ) 14 ) XXXX XXXX Opened XX/XX/XXXX {$3500.00} ( Remove Account ) 15 ) XXXX XXXX XXXX Collection Opened XX/XX/XXXX ( Remove this Account it is part of my civil suit ) 16 ) XXXX XXXX Opened XX/XX/XXXX Balance {$6100.00} ( Remove this account ) 17 ) XXXX    XXXX Opened XX/XX/XXXX Balance {$3500.00} ( Remove this account ) 18 ) XXXX XXXX Opened XX/XX/XXXX Balance XXXX ( Remove this account
Complaint sub-issue: You told them to stop contacting you, but they keep trying

This company contacts me everyday Monday - Friday, xalls repeatedly throughout the day from XXXX XXXX - XXXX XXXX. They do not leave voicemails. The times I answered theres either no response and then call disconnects, Ive spoken to someone who requesting that I verify my information and when I ask whos calling or what its regarding they either hang up or refuse to answer my questions and keep asking questions, the people who call are rude.
Complaint sub-issue: Their investigation did not fix an error on your report

Bankruptcy courts do not report to your credit report I froze my credit I sent information and the bankruptcy need to be removed I also sent my address my name my Social Security card my birthday they still are reporting other names of the addresses it need to be removed
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX ( Account number ending : 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 an account without my written instructions.
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 {$3300.00}, {$0.00}, {$5500.00}, {$270.00}, {$4900.00}, {$670.00}.

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 ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on AXX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$270.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$670.00} -This is not my account.
Complaint sub-issue: Account status incorrect

Hello I've tried over and over again to have the credit agencies to remove these accounts because the statute of limitations has expired. Listed below are the accounts that are reporting and should be removed according to the CRA. 

XXXX Account # : XXXX Account Type - Detail : FHA real estate mortgage. Date Opened : XX/XX/XXXX XXXX XXXX : {$310000.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX XXXXXXXX Account Type - Detail : Rental agreement Date Opened : XX/XX/XXXX XXXX XXXX XXXX  {$920.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 
XXXX Account Type - Detail : Educational Date Opened : XX/XX/XXXX XXXX XXXX : {$0.00} ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .... 

XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I sent three letters to XXXX, Equifax, and XXXX ( one in XXXX and over 30 days later in XXXX ) asking that they investigate fraudulent accounts on my credit report ... .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 )  ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account ... .I demanded XXXX, Equifax , and XXXX to show me Verifiable proof ( an original Consumer contract with my signature on it ). Under the FCRA, unverified accounts must be removed ... XXXX, Equifax, and XXXX acts like they do n't understand my request and then they act like it was investigated and proved. But they have not shown me proof nor have they explained to me their investigation process. Additionally, they have not deleted the fraudulent accounts that I have disputed ... ..Please help. They continue to report a debt that has not been verified nor validated ... ..It is unacceptable that they can treat American consumers this way ... They continue to break the law..
Complaint sub-issue: Debt was paid

when i cancelled my XXXX services i returned all the equipment paid over {$200.00} to get out the contract. The person that helped me made it clear my account was at {$0.00} and closed. Months later i get a collection for {$86.00} that i do not owe. I told my friend the story and the exact thing happened to him with XXXX. 
This is not how you treat customers.
Complaint sub-issue: Reporting company used your report improperly

Inquiries : XXXX XXXX XXXXXXXX XX/XX/XXXX THE NAME OF CREDITORS AND DATE OF INQUIRIES : 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 According to FCRA ( 1970 ) 15 usc 1681 and CFPB. My latest credit inquiries are showing excessive amount of inquiries that I did not authorize.

15 U.S.C Section 604 A Section A : it also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Debt is not yours

Pursuant to 15 usc 1692 please provide me with proof that this debt is mine. Please keep in mind this is not a dispute I am just requesting validation.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means XXXX has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I 've disputed multiple inquiries with  Equifax r egarding   XXXX   XXXX   from  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX  on  XXXX   XXXX ,  XXXX  as well as on  XXXX   XXXX ,  XXXX  as   XXXX   XXXX  . Each time I 've disputed with Equifax, the response came back the same saying that they were in fact authorized inquiries. When I requested proof from the companies myself, I received letters verifying that they in fact had no record of my authorization to pull my credit and agreed to have them removed. To date, no change has been made even after I 've requested Equifax verify over and over.      XXXX   XXXX  only has contact through mail listed. I mailed a letter asking for verification to the address that was listed on the inquiry to have the letter returned back showing the address listed is in fact not a valid address. How is that physically possible without being fraudulent???     The system they are using is providing false information and they are not actually doing their due diligence and protecting consumers.
Complaint sub-issue: Information belongs to someone else

I did not Authorize nor did I give Consent to These Account That is on my credit ... 
This is fraud and i want it Off my Credit this is very stressful that i have to experience being a victim of identity theft I would Like This Matter to be Resolved
Complaint sub-issue: Debt was result of identity theft

The companies below I don't not recognize XXXX XXXX XXXX ( XXXX  ), XXXX XXXX XXXX ( XXXX  ) I've never done business with this company. I don't have a contract with this company. This company has stolen my identity or have my identity without my permission. I have provided a police report they are report negative, fraudulent, unauthorized items on my credit report. I have ask for proof with my Id, signature, Signature of company representative on a contract between the company and I. How much the debt has been sold. Proof that they are licensed and bonded to collect in my state ( Georgia ). Accounting history, proof that the debt haven't been written off, discharged, and filed as a lost with the irs.
Complaint sub-issue: Account information incorrect

Ive contacted XXXXXXXX XXXX XXXX XXXX XXXXXXXX and Equifax numerous times via phones calls, emails, usps mail and faxes requesting they send me a copy of the original bills, explanation of benefits received and a copy of documents showing I signed as guarantor of alleged services below. Additionally, I asked for the services listed in attached letters which they charged for services I never received be removed as well as requesting they delete all of the duplicate charges listed in attachments. I also ask them to validate each debit with validation from XXXX and to date they only have sent me copies of XXXX XXXX XXXX XXXX statements in which the account numbers do not even match with my creditor account numbers. I disputed all of this with XXXX and have been told by their representatives that they will continue to damage my credit by reporting the debt over and over again each month which they do, sometimes twice a month. The information they are reporting and the amounts reported that Im responsible for have not been validated and just as they say they will continue to ruin my credit by repeatedly reporting false information. # XXXX {$490.00} charged for some services not received. This was due to a fall while at XXXX. Ive a claim form several times as I was injured on your property. I never received claim form. This shouldve been billed to your property general liability ins Im not responsible. # XXXX {$1300.00} double billed for several items. Requested original billing & med recs showing date & time of each service, no response to dispute requests. # XXXX {$980.00} gave XXXX full divorce docs, ex-husband resp for 1/2 all XXXX bills. Ive been billed & paid 100 % when I was only responsible for 1/2 except this bill. I asked XXXX for copy of EOB ( ex-husband coverage I have no access to EOBs ) pre-auth letter, original bill & all docs signed, no response. As of XX/XX/2022 they reported these 3 accounts as new collections on my credit reports. They will report this as new which it is not but they will not respond to me regarding these incorrect bills nor will they provide me with validation of this alleged debt.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX  was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Debt was result of identity theft

I advised the original collector at XXXX XXXX that this was a fraudulent charge either in XX/XX/XXXX I also disputed this as fraudulent activity through all three credit bureaus as well as my bank the original debtor ( XXXX XXXX   ) the brought paper ( Hunter Warfield ) I have had my consumers rights violated and ignored on repeat. I have never lived at this apartment or done business with said apartment yet they are continually violating my rights, they have not removed it, provided ANY PROOF of debt, nor attempted to rectify. I have been denied housing, had rights violated, and ignored.an I have yet again been ignored and harased for a debt that is not mines.
Complaint sub-issue: Billing problem

I opened the loan account with US Bank ( the lender ) in late XX/XX/XXXX. I set up auto-draft payments to be made on the first of the month from my XXXX bank account. The first payment due ( XX/XX/XXXX ) was never auto drafted. On XX/XX/XXXX I received a letter from the lender informing me that I had been reported to the credit bureaus because i had missed my first payment and it was now over 30 days past due. The day i received the letter I called the lender and ensured that payments were made in the past due amount and ensured that the account was both current and that auto-draft was set up and active. I never received a letter, a call, a text, or an email from the lender informing me that my payment was due, impending, tardy, or delinquent. The lender made absolutely XXXX attempt to contact me to collect payment prior to notifying the credit bureaus. Attempts to rectify with the lender have been unsuccessful. Attempts to dispute with the credit bureaus have been equally unsuccessful. This type of predatory lending allows lenders to negatively, deliberately, and maliciously impact the credit scores of consumers, thus allowing them to charge higher interest rates, and thus making them more money.
Complaint sub-issue: Public record information inaccurate

Square INC and or its subsidiaries and banks have maliciously put my business name and my name/social security number on the MATCH/TMF list, hence marking myself and or my business XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX blacklisted from obtaining a merchant processing account. 

I do have knowledge of my previous SQUARE INC account under the email address of XXXX ; where a foreign imposter gained access to credit card processing and attempted to process several fraudulent credit card transactions. These fraudulent transactions were unknown to me until after they had occurred, furthermore, now I am blacklisted I have a business where I potentially can bring in {$28.00} Million in credit transactions per year but I am being blocked from doing so. I never intend to ever do business with SQUARE INC since this egregious action by SQUARE INC was committed. 

Hereby the legal team at XXXX XXXX and its executive officers DEMAND SQUARE INC remove me, and all companies from the MATCH/TMF list promptly. This will be the final warning before federal litigation will occur. 

/XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Complaint sub-issue: Debt was result of identity theft

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYE DATEXXXX HUNTER WARFIELD XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious HUNTER WARFIELD XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Other problem getting your report or credit score

Over the past year Ive been trying to find out my credit score, no matter what company I use none of them are able to identify my social security number. Ive confirmed with my social security card that its the correct number. 

Im very confused on where to go from here. What help is available?
Complaint sub-issue: Problem getting your free annual credit report

XXXX XXXX XXXX hired XXXX XXXX to run my credit bureau check. I have left several voice messages for a call back from XXXX XXXX and they have not returned not one call ( even after so many voice messages ). I called XXXX and was told that someone would call me back. All I want is my credit bureau report that my wife and I are requesting. 
This is their address : XXXX , XXXX, XXXX XXXX, XXXX XXXX, CA, XXXX. XXXX. 
My currenct credit score is in the 600 's, but thanks to them, the other credit bureaus deducted two points. XXXX not only denied me credit, but they help ruin it. 
I have never heard of these people and their practice and I know they are affiliated with ANALYTICS. The traitor company that I have heard so much in the media. Please investigate them and get back to me and let me know how I can help to bring down this credit scam that they are offering. Seriously, from 600+ to a XXXX. This is serious.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

Opened a new Citi XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX based on promotional material offering XXXX air miles after making XXXX dollars in purchases within 3 months of opening account. I received this offer in the mail. 

I was instantly approved for the card but to my surprise was issued a credit limit of XXXX dollars. I thought this was very unusual since my XXXX credit score runs 820+ for the past several years and I automatically pay posted charges such that I do not carry any balances. I have a XXXX XXXX XXXX credit card which I was provided with a credit limit of XXXX dollars. 
I immediately started using my new Citi card with the goal of meeting the XXXX XXXX3months to qualify for the promotional air miles. Quickly noticed that despite making electronic bank payments through the billing cycle to ensure that I am able to continue purchasing and not exceed the ridiculous low credit limit, that my payments were posted as " pending '' and my available credit did not change despite paying and not having a balance. This pending period ran 7-10 days. I contacted customer service requesting increasing my credit limit and was declined because my account was " too new ''. They blamed the excessively long " pending '' period on bank processing. After multiple direct bank payments, I contacted customer service and was again declined increase in credit limit and told that it normally takes four payments and thereafter should not have this problem with my available credit being updated to reflect payment. On a third call, was informed that that my bank payments had gone through, and they could not explain why my available credit took so long to update. During this time I received a copy of my XXXX score report and noticed that my credit score which was XXXX  in XXXX had dropped to XXXX  in XXXX. The reason listed was that my credit utilization/available credit ratio was high. During this entire time, I have not made any large purchases, new loans etc. I strongly believe that CitiBank engages in abusive and predatory practices, are the source of my declined credit score.
Complaint sub-issue: Application denied

I was purchasing a {$3500.00} television at Best Buy store and was told I could get 10 % back in store rewards if I signed up for the Best Buy Credit Card with Citi Bank. I filled out the application including yearly income over {$200000.00} and no mortgage debt. I always pay of my XXXX XXXX   bill to avoid interest. The Citibank Rep denied offering me the Best Buy card ( thus no rebate ) instead wanted me to get a gold card with yearly charge of {$59.00}. I did not accept the offer and did not purchase the tv. A return call to the bank confirmed the denial was based on incomplete credit history! The Best Buy brochure code is XXXX and late fees of {$38.00} and interest on carried bills of 26.49 % APR! I think that if I ran Citi Bank or Best Buy I would want many many customers like me.