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

I recently went to check out a new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I noticed a couple of items on my report that are not mine. These items need to be deleted from my credit report : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, CHAPTER XXXX BANKRUPTCY There are also inquiries on my credit report that should not be there either : 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: Transaction was not authorized

My checking account with XXXX XXXX XXXX was recently acquired by US Bank. When that happened they began charging me fees for ATM withdraw ( both ATM fees and international fees ). I had no such charges with XXXX XXXX. 

I signed no papers agreeing to these charges with US Bank, nor did I agree for my account to be managed by US Bank. I realize at this point that I have no choice since US Bank has bought my account but they refuse to refund more than 5 charges. Since I did not agree to these banks terms nor did I even want to be a US Bank customer I am asking them to refund all of these fees but they refuse. The fees are listed below. 

XXXX - {$8.00} XXXX - {$8.00} XXXX - {$8.00} XXXX - {$5.00} XXXX - {$8.00} XX/XX/XXXX - {$2.00} XX/XX/XXXX - {$3.00} XX/XX/XXXX - {$8.00} XX/XX/XXXX - {$5.00} XX/XX/XXXX - {$8.00} XX/XX/XXXX - {$5.00} XX/XX/XXXX - {$8.00} XX/XX/XXXX - {$5.00} XX/XX/XXXX - {$8.00} XX/XX/XXXX - {$8.00} XX/XX/XXXX - {$8.00} I would like these fees to be returned as I did not agree to these terms for my checking account. I have contacted them and they refused to refund any more than five ( returned fees not listed above ).
Complaint sub-issue: Debt is not mine

Hi m name is XXXX XXXX XXXX my date f birth is XX/XX/XXXX and my ss # ends in XXXX In XXXX/XXXX/XXXX I contacted AFNI the collection agency that has my debt of XXXX from XXXX and the agent who answer the phone said they are not able to fine my account neither with my social security number or my name or my date of birth so they ask me to contact XXXX which I did the same day and their collection department told me the same thing AFNI told me they were unable to find anything yet they are still reporting on my credit so I want them to close my account and removed that from my credit report today I called agin and I had the same answer.
Complaint sub-issue: Didn't receive notice of right to dispute

On XXXX i received a notice via mail from Allen & Withrow, Attorneys at Law that I owed a debt of {XXXX XXXX XXXX XXXX  They presented incorrect information on the notice. The letter date they have listed is XX/XX/2022. They also stated that I had to write to them by XXXX otherwise they would assume the debt is valid and continue their collection efforts. It is very concerning that I am just now receiving this notice on XXXX after the date that they said I needed to respond. I feel like they purposely delayed sending this until well after XXXX so they could make it appear that I did not respond within that timeframe so they could continue with their collection efforts. The letter we received on XXXX is the first and only time we have heard from this law office. The reference number listed on the letter is XXXX. The XXXXXXXX XXXX XXXX XXXX XXXX. I have attached the letter that was sent as well as confirmation from USPS on when the letter was out for delivery.
Complaint sub-issue: Account status incorrect

In XX/XX/XXXX I spoke with a representative and got my car payments deferred due to COVID 19. The agent stated they were able to defer my XXXX and XXXX car payments, and that my car note wouldn't be due until XX/XX/XXXX. In XXXX the car was sold to a dealership who paid the car off, XXXX confirmed on XX/XX/XXXX they received the full payment on XX/XX/XXXX to pay the car in full. In XX/XX/XXXX XXXX reported a 30 day late payment to the credit agencies. I called and spoke to a representative on XX/XX/XXXX asking them why this was placed on my credit as there was never a late payment on the vehicle. The representative informed me that she seen where I called in in XXXX for the deferred payments however that agent never completed the setup. I asked well why wasn't I informed or why want any communication sent to me regarding this matter, the agent stated it was all set up. I also told the agent if what you are saying is true then the payment for XXXX and XXXX were late as the car not is due the XXXX of each month and they are reporting my XXXX payment was the only late payment. She informed me that she shows its inaccurate and they are going to get this updated immediately. I have spoken to countless representatives and was hung up on by a manager. I have been professional in this entire process and have tried working with XXXX to get this matter resolved. I had the vehicle for 3 years and I have never paid the car note late. I attempted again XX/XX/XXXX to resolve this matter and have explained to the finance company that I need to get this matter resolved as I am in the process of purchasing my 1st home and this hurting my credit and is untrue. I have not had an issue with XXXX and would like to do business with them one day in the feature, but the information they are reporting is FALSE and I have exhausted all my avenues to get this matter resolved.
Complaint sub-issue: Information belongs to someone else

Equifax is still reporting a hard inquiry from XXXX XXXX and I filed reports with all 3 major credit bureaus as well as with XXXX XXXX that this was fraud. This happened in XX/XX/2018. Someone in Alabama opened up credit accounts in my name ( I've never lived in Alabama ) with XXXX XXXX as well as XXXX stores. I got everything taken off of my credit reports so I don't understand why Equifax is still showing a hard inquiry from XXXX XXXX on my credit report.
Complaint sub-issue: Reporting company used your report improperly

It has been and on-going issue with XXXX, Equifax and XXXX as for my attempts to correct information on all three of the credit reporting agencies. They have allowed several unknown persons to change my personal information and have my mail sent to them. All of which I did not give consent to the credit reporting agencies, nor was I aware of the new address changes until XXXX, when I started trying to get my credit in order, only to find many questionable items on my reports. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate, listings of past due payments, collects dates, late payment all of which are inaccurate and unlawfully on my report. All three credit reports have completely different information listed on them. This is clearly grounds for removal they also violated my rights under XXXX XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit reporting agency took more than 30 days to complete my investigation on these accounts : 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: Information belongs to someone else

In accordance to the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account name XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX The above accounts have violated my rights. 

XXXX XXXX XXXX XXXX states, I have the right to privacy XXXX XXXX XXXX XXXX Section XXXX : States, a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) 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. 

XXXX U.S.C XXXX ( A ) ( XXXX ) 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: Sued you in a state where you do not live or did not sign for the debt

I was informed that on two occasions collection letters were sent to an address that was unconfirmed and not provided to to this creditor/collection company ( XXXX XXXX XXXX XXXX ) by myself. These two letters were both received by employees of my employer that received these letters. This seems to be a blatant violation of the Fair Debt Collections Practice Act. It has been brought to my attention that both of these letters have information pertaining to a debt that they claim that I owe to Citibank, which is personal information sent directly to an address without verification of that address or that debt. Not only do I feel that not only did this company violate my privacy but also brought embarrassment and shame to my name as a result of their reckless practices.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX I do not recgonize these inquaries.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Under 16 CFR 433.1- Definitions 15 USC 1684-Civil Liability 15 USC 1692 ( b ) -Permissible purpose The Company/Seller disclosed my account information without my written permission and/or consent ; There is no Contract andor Business Arrangement ; According to the status of the collection account, it is in one or more places " assigned to an attorney, collection agency, or credit grantor 's internal collection department. '' -There is no plain writing, clear and concise to direct which one of the entities it has delivered the security/instrument/account to ; Created an adverse action affecting my credit file in a negative way ; Testifying false and misleading formation, which I did not give nor gave any permission written or oral to make a report for my file. 
I seek all refunds, damages, and remedies applicable to this issue.
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/2019 I received a cashier check from the US Bank. The check was sent to me in a response/compensation for a fraudulent activity that happened thanks to the US Bank. I already made a complaint about US bank not handling the fraud that happened to me in a proper way ( complaint # XXXX ). Basically, the manager of tellers of the US Bank in XXXX IL at XXXX XXXX XXXX released my money at the counter on XX/XX/2019 to the unknown person. I do not think at that time the bank nor XXXX ( the teller ) handled the security of my account properly. My money from the account were withdrawn by the fraudulent person. The investigation started. Till XX/XX/19 I had no compensation from the bank, no emergency funds were given to me. Once the investigation has finally closed, I received a check, BUT the check was made to me and my father ( who was authorized on my account ). My US bank account is currently closed and was closed due to security reasons before the investigation ended. Before closing my account I specifically asked if closing the account will make any problems with getting a return check to me. I also asked If my check can be made to ME only, as my father does not live with me. Again, Everyone stated there will be no problem, as I will have a cashier made out only to me. WRONG. I got a cashier check made to me and to my father. I was told by US bank that I can not cash it at their bank ( XXXX XXXX XXXX XXXX XXXX ) as my father 's signature has to be on it. They also told me they can not issue me a new check made out only to me. Even though I am a primary holder of the account. The fraud department also told me they can not issue me a new check made out only to me. It is hard to believe, that it was easy to release my money to someone at the local brach, but as a customer of the bank is so difficult to receive my money back. It is the most unprofessional and untrusty bank I have ever dealt with. No one is held responsible, and I am spending countless hours calling, visiting banks and losing my personal and professional time from work.
Complaint sub-issue: Personal information incorrect

I contacted the company because they have addresses that I have lived at listed in my report. I have requested to have these addresses removed but they are still there.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states, I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX.Acc # XXXXXXXX XXXX XXXX XXXX ..Acc # XXXX XXXX XXXXXXXX XXXX..Acc # XXXX XXXX XXXX XXXX # XXXX
Complaint sub-issue: Information belongs to someone else

To whom it may concern, I sent a multiple inquiry removal letter on XX/XX/2021 by certified facsimile in order to dispute information, in regards to 21 hard inquiries, that were being reported on my credit report. They received the letter few days after and completed the requested-on XX/XX/2021, the request that I submitted included all 21 hard inquires that were not factual and I received the same process for ALL inquires, which was inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must DELETE the disputed information from it file. The fact that I received a response withing 7 days or receipt of certified mail, one can assume that there was no investigation into this matter whatsoever. Im submitting this complaint due to the LACK of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the creditworthiness a consumer.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On the following dates I had fraudulent charges placed on my Citi Double Cash credit card : XX/XX/2020 XXXX XXXX  XXXX CA Digital Account Number XXXX {$42.00} XX/XX/2020 XXXX XXXX  XXXX CA Digital Account Number XXXX {$170.00} XX/XX/2020 XXXX XXXX   XXXX CA Digital Account Number XXXX {$52.00} XX/XX/2020 XXXX XXXX XXXX CA {$41.00} XX/XX/2020 XXXX XXXX  XXXX CA {$20.00} XX/XX/2020 XXXX XXXX  XXXX CA {$54.00} XX/XX/2020 XXXX XXXX   XXXX CA {$73.00} XX/XX/2020 XXXX XXXX  XXXX CA {$40.00} XX/XX/2020 XXXX XXXX   XXXX CA {$5.00} XX/XX/2020 XXXX XXXX  XXXX CA {$31.00} XX/XX/2020 XXXX XXXX  XXXX CA {$32.00} XX/XX/2020 XXXX XXXX   XXXX CA {$58.00} I was contacted by Citi and stated that the charges were all fraudulent. From XX/XX/XXXX to XX/XX/2020 my entire family was in quarantine with Covid-19, and this can be verified by my employer, the XXXX XXXX  XXXX XXXX XXXX, and my medical provider. I have been very responsive with Citi and immediately replied to all inquiries, and stated that the card in question was in my physical possession while I was in my home. The information provided by XXXX to Citi shows no information matches me, and the card was used in New York. In addition they continued allowing the card to be used after I reported the fraudulent use, and they replaced the card twice before finally stopping all charges placed by XXXX on my account. At this point I lack so much trust in the process the card is locked in a safe and deactivated on the Citi website. 

As of today the investigation is ongoing with Citi stating I have not been replying to their requests which is false. I have never had this much trouble with fraudulent charges on many accounts over the years. The customer service, while polite, is difficult to understand, very limited in what they are able to do, and repeatedly state they are resolving this issue, however nothing seems to have been resolved. Their security and call centers are unable to or unwilling to allow me to speak with managerial staff to get further clarity or any other information. Problems like this with a Citi Costco card have never gone on this long, nor with XXXX, or XXXX XXXX. The Citi rep states 1-2 billing cycles, however we are already beyond 2 billing cycles and this does not appear to be anywhere close to being resolved. I would even suggest that they are investigating each individual transaction separately despite them all being done with one company by the same account holder at XXXX. 

I was first contacted in XXXX, and last contacted on XX/XX/XXXX and last replied on XX/XX/XXXX. I am including the most recent correspondence as well.
Complaint sub-issue: Didn't receive enough information to verify debt

I ask the company for specific paperwork to send me and didn't receive. 
Violated my rights
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a victim of fraud. I received a credit report with inquiries that I have no knowledge nor did I authorize these inquiries. I called the companies but they could not find a application with my information and informed me to dispute the information with the credit bureaus. The inquires that are unauthorized are : XXXX, XXXX  XXXX XXXX XXXX x2, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have seeked legal representation for other fraudulent accounts on my credit.
Complaint sub-issue: Debt was result of identity theft

I have more than enough reasons to believe my infromation and identity have been compromised and, or stoIen. Today on XX/XX/XXXX, I checked my credit report on XXXX XXXX this morning and found an open collection for {$3900.00} from Omega RMS! My heart DROPPED when I saw this so I requested reports from all three major bureaus. It has only showed up on my XXXX  report at the time of writing this. I also recently discovered my info was involved in at least 4 security breaches in the last 4 years, including the XXXX  breach of XXXX. I must also mention that my bank debit card and account info was breached earlier this year around XXXX.The thieves purchased 3 items totaling {$200.00} and I was forced to change all my information, including have another card shipped to me. Because of these facts, amongst other unfamiliar or inaccurate inquiries on my credit reports, I had no choice but to place a fraud alrert for all three bureaus. This collection account was opened XX/XX/XXXX. I dont think these time frames are coincidences! My next steps will be placing security freezes on my credit and possibly filing a police report. The original creditior on the account is named " XXXX XXXX XXXX. '' I have never heard of either of these companies and there isnt much info on the internet about them. I have never purchased anything nor previously interacted with either of these companies and I definitely DO NOT owe almost {$4000.00} to anyone for any type of product or service. It sounds like a scam! I am just a young man trying to rebuild his credit and this new fraudulent collection on my report has devestated my XXXX score!!! My credit was in good standing before this fraudulent collection account showed up ... This will greatly hinder my ongoing credit journey. I need this DELETED from my XXXX report first, then before it shows up on the other two major bureau reports and devestates my score even more, I need Omega RMS to contact both other credit bureaus : XXXX and XXXX, and demand that they be deleted.
Complaint sub-issue: Reporting company used your report improperly

Equifax reports that my information was part of a security breach. I 've had some sketchy emails that are coming through my spam filter lately asking for some personal information could be used for identity theft.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I am making monthly payments to ECMC. They continue to call my place of employment and send emails threatening garnishment. The email that I received today ( XX/XX/XXXX ) was from XXXX XXXX-XXXX stating that my wages were about to be garnished. How can my wages be garnished if I making monthly payments? The threatening calls and emails are pure harassment if I am paying them. How are these actions admissible?
Complaint sub-issue: Problem during payment process

On XX/XX/2019 did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a new car of this mark on my credit and the company will not help me with this unfair situation.
Complaint sub-issue: Funds not received from closed account

Since XX/XX/XXXX I have been living and working in XXXX, XXXX. 

In XXXX, I opened a citibank online checking account and had my company ( XXXX XXXX XXXX XXXX ) transfer my salary to said account. 

I also made XXXX large deposits into my Citibank Checking account from XXXX. 

On XX/XX/XXXX I was sent a letter of closure by Citibank saying that they were closing my account. 

At the time of closing the account balance was approximately XXXX $ I have a Signed XXXX XXXX ; a signed Non-disclosure agreement ; and a record of payments from my employer to prove that the transfers weren't fraudulent ; furthermore ; i have a XXXX work visa and other official documents as well. 

With the above documents I attempted to resolve the issue multiple times by calling Citbank 's fraud department but have repeatedly been told by their customer representatives that they have to " disconnect the call '' and they just hang up. 

So, I flew back to XXXX XXXX on XX/XX/XXXX and visited the XXXX Citibank branch on XX/XX/XXXX in order to try and resolve the issue in person. 

The representative attempted to call Citibank 's internal fraud department but could not resolve the issue. 

I was I should take my documentation and keep trying Citibank 's fraud department. So that's what I've done. 

Despite this ; the citibank fraud department STILL repeatedly disconnects my calls instead of attempting to resolve the issue. 

Please let me know how I should proceed
Complaint sub-issue: Reporting company used your report improperly

According to 15 U.S.C. 1681 ( a ) ( 3 ), Congress makes it clear that Equifax, a consumer reporting agency, assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I, XXXX XXXX, am a consumer who never gave Equifax permission to do this. Equifax did not have my consent. 

Because Equifax assumed this role, in 15 U.S.C. 1681 ( a ) ( 4 ), there is a need to insure that Equifax exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy. Equifax did not exercise their grave responsibilities. Equifax were unfair, impartial, and did not respect my right to privacy.