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

hard inquiries were fraudulently added to my credit report..These are not my inquiries XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX Co XXXX XXXX XXXXXXXX XXXX Acceptance XXXX Service XXXX XXXX Bank XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Also remove XXXXXXXX XXXXXXXX XXXX XXXXXX/XX/XXXX PXXXX XXXX  XX/XX/XXXX ..Rent Recovery was settled in Civil Court my security deposit was kept
Complaint sub-issue: Card opened as result of identity theft or fraud

This is related to Complaint XXXX. When Citibank FINALLY provided me with specific detail on XX/XX/XXXX regarding their decision to not re-issue my XXXX Credit Card, it comes to light that it was based on a so-called-charge-off on a Sears MasterCard Account ( they are the parent for the Sears Credit Cards ). With my own investigation it appears a Sears Mastercard  was fraudulently opened in my name on XX/XX/XXXX. I received no bills for payment for the fraudulent account ; therefore, was not aware of the fraud until XX/XX/XXXX. I pulled my XXXX Credit Report on XX/XX/XXXX. There is not a Sears account recorded on it. I pulled my XXXX Credit report today ( XX/XX/XXXX ). There is not a Sears account recorded on it. Due to my meeting directly with a local Sears store manager and his call to the CitiBank Executive Offices, I finally received a call from a man by the name of XXXX. That call happened about 3-4  weeks ago. He said he was going to research the issue. I have followed up 3 times with XXXX and had to leave voice mails. I have received no response at all.
Complaint sub-issue: Their investigation did not fix an error on your report

Yes I checked my credit score and one minute it's XXXX then I checked it again it's XXXX I don't know why I can't get a aquired report from these creditor 's
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX XXXX has reported on my credit report that I owe XXXX to Why not Lease it. 

I have disputed the charges twice with XXXX, however XXXX   states they have certified the information to be correct. I provided XXXX with the documents that XXXX XXXX XXXX provided to me which clearly shows payments being made to this alleged account. 

There are three issues that I have : 1. I have fulfilled my obligation with Why not Lease it, years ago ( I only had an account one time ). 

2. How can you provide documents of payments being made, but then report 0 payments? 

3. Where is the contract that obligates me to these alleged new charges? 

I have attached some of the documents that were sent to me. You may request they send you the same. One of the documents were drawn up as of XX/XX/2019. Company 's should not be able to fabricate documents that impacts people 's lives tremendously!
Complaint sub-issue: Information belongs to someone else

There are several accounts reporting on my credit file that does not belong to me Incorrect Personal Information : Name : XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX Equifax XXXX Name : XXXX XXXX XXXX XXXX Equifax XXXX Address : XXXX XXXX XXXX XXXX ( TU ) Address : XXXX Fall XXXX XXXX XXXX XXXX XXXX Address : XXXX Old XXXX XXXX XXXX Experian XXXX Address : XXXX Steam Engine Way XXXX ( Equifax XXXX Address : XXXX Saint XXXX XXXX XXXX XXXX The following accounts have incorrect late status reporting : XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$23000.00} XXXX XXXX ; Experian, Equifax XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$9800.00} ( TU ; Experian, Equifax XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( TU ) There are several items reporting that does not belong to me. These items are a result of identity theft : FIRST PREMIER - Date Open : XXXX ; Bal : {$450.00} ( TU, Experian XXXX Equifax XXXX XXXX - Date Open : XX/XX/XXXX ; Bal : {$910.00} ( Experian XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$910.00} ( TU ) XXXX ( XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$1000.00} ( TU ) XXXX ( XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$620.00} ( TU ) XXXX ( XXXX XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$2400.00} ( TU ) VERICREDSOL - Santander Consumer XXXX - Date Open : XX/XX/XXXX ; Bal : {$9000.00} ( TU ) Eastern Account System - Gastroenterology Anesthesiologists XXXX - Date Open : XX/XX/XXXX ; Bal : {$270.00} ( Experian ) Midnight Velvet - Date Open : XX/XX/XXXX ; Bal : XXXX ( Experian XXXX Equifax XXXX The following Public Records are not my public records : XXXX XXXX Bankruptcy Dismissed - Date File : XX/XX/XXXX ( TU, Experian, Equifax XXXX XXXX XXXX Bankruptcy XXXX - Date File : XX/XX/XXXX ( TU, Experian, Equifax XXXX XXXX XXXX Bankruptcy Dismissed - Date File : XX/XX/XXXX ( TU, Experian, Equifax XXXX The following are unauthorized inquiries : Fifth Third JPMCB Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Card
Complaint sub-issue: You told them to stop contacting you, but they keep trying

log of recent calls : XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this company calls many times weekly to collect a debt for someone i do NOT knowthis is my cell number i have had for over 2yrs i have asked numerous times to remove and stop calling me and they hang up on me and continue to call, the name of the company is cambridge assest management they say that this debt is being properly served for someone named XXXX XXXX? spelling and they give a case number as XXXX
Complaint sub-issue: Reporting company used your report improperly

I'm accordance with the Fair reporting act XXXX 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 violated my rights.

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

15 U.S.C 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

Identity Theft Report Attached. 

The investigation and reinvestigation of this account was never presented. Verified electronically is not an investigation. 
I was unaware of who XXXX was until I had to fight to prove the account does not belong to me. 
Account : XXXX I also noticed a few inquiries appeared, hopefully the data breaches and hackers have not taken any further steps. 
Inquiries : XXXX, XXXX, XXXX XXXX Please delete the above placed identity theft account and inquiries from my consumer credit report and file.
Complaint sub-issue: Account information incorrect

Upon checking my report on XX/XX/2018. many of the accounts are now showing a different status. Once again showing the miss reporting of the credit reporting agency.FCRA LAWS and mandated METRO 2 format COMPLIANCE regulation requires ANY and ALL data reported be CERTIFIED as CORRECT COMPLETE and exacting in TESTIMONIAL TRUTH affirming the FACTS of every aspect of lawful standing and reporting I DO NOT AUTHORIZE you to RETAIN or report other.How can the credit reporting agencys continue to hold me at fault when it is finally clear that they are miss reporting everything on the account. someone needed to be held accountable and this removed. this was not my doing but i have been victimize.
Complaint sub-issue: Information belongs to someone else

I recently obtained a copy of my credit reports. In doing so I notice inaccurate account I have not authorize. I have attached a copy of my FTC report ( Reference number : XXXX ). Along with two Identifiers.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I reach out to Equifax today and the representative refused to investigate my inquries I explain that these companies did not have permissible purpose and I have not sought any credit with these companies.
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX have tried for over two years to have a credit tradeline removed from all of my respective credit bureaus. XXXX XXXX has maintained a car loan on my three credit reports, even though the register my address in the state of Arizona, a state where I never resided. I even had a conference call with XXXX XXXX with m y lawyer a year ago, and they claim that they have no knowledge how the account could be posted on my credit bureaus, even though the note was assigned to a person in Arizona. The current balance shows {$15000.00} with the last payment made XX/XX/2018. I need this account removed permanently and my name and social security number purged from the computer archives that reports to al credit bureaus immediately. 
XXXX XXXX
Complaint sub-issue: Charged too much interest

By manipulating circumstances it appears Citi is setting cardholders up to increase the likelihood of missing a payment so that interest may be charged.

Cardholders enrolled in paperless documents will receive their monthly statements via email. Citi says to enrollees that they will also receive a 5 - day notice prior to a payment becoming due.

The 5- day notice is not sent, the statement that was sent easily goes unnoticed because Citi sends copious amounts of spam email. The cardholder may then be charged interest. To placate the cardholder to accept interest charges, Citi may withdraw their late fee.

Upon receiving the late notice the cardholder may try to prevent similar issues in the future by logging into their account online, I found that the website changed its navigation for the cardholder with an overdue balance in such a way as to have the cardholder link payment to a bank account.

Setting preferences on the website for balance alerts via text was broken for this cardholder.

Phone and chat contact was established with seven Citi personnel whereas assurances were made but not fully delivered.

Not unlike XXXX XXXX, it appears Citi administration is gaming their unwitting account holders.
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2016 ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00}.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.
Complaint sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

XX/XX/XXXX XXXX, Fl VOLKSWAGEN CREDIT XXXX. CONSUMER CREDIT INQUIRY XXXX. XXXX XXXX XXXX, Oregon XXXX Dear Srs. This is my situation : Last year I leased a XXXX XXXX and I used it for a while. Because my monthly payment was high I consulted with an employee and she told me about a XXXX, XXXX, that had been returned and, if I decided to buy it I will pay {$50.00} less. I agreed, signed all the papers, and began to run my own car 1- Some months ago I filled the tank and I saw a red signal telling me that something was happening. I took my car to the dealer and they told me that I have not put well the gas cap and that had caused some trouble, and I have to pay {$700.00} in order to correct it. 
! XXXX! An employee suggested me to lease other car, and the accountant told me I would receive a certain a big-amount for my XXXX. I still dont know why I accepted this new deal. 
2- I leased a new XXXX XXXX and What happened? I had only used it for a month and a half and on Sunday XXXX XXXX I intended to drive it and it didnt start. I called the dealer and they sent some help and took my car to their facilities. 
3- I called the next day, Monday XXXX, and they told me that the problem was fuel contamination and I had to pay {$800.00} XXXX What? How do you pretend me to pay this amount for a factory problem the car has? What guaranty do I have, in the case I do pay this, that next month it happens again? Fuel contamination? But the fuels I use come from any gas station? 
4- My answer was and it this : I wont pay anything for some factory defect the car has. Keep the car. You charged me with {$2000.00} which I pay as a down payment, well take that money and that is! 
There are two more thighs : nobody explained to me that you were charging me with some amount of money because I have returned my XXXX XXXX. Beside that nobody explained to me that you will charge me more monthly payments because I gave as trade in my XXXX. The guy there told me the Co. would credit me with XXXX for my XXXX and, after signing my new contract, then I realized that the accountant have added to my new contract payments from the XXXX and from the XXXX. My new bills were now {$570.00}. Next day, after signing my new contract, and when I realized what were my new bills, I went to the dealer and told them I couldnt pay these bills, I wanted to return back the XXXX and the person there told me that I couldnt do that. 
I am XXXX years old, and a retiree person enable to continue paying this amount with all you have added, without explaining me in a proper way. I fell that I have been surprised by your company. My suggestion is this : You keep the {$2000.00} you charged me, and you also keep the car. I dont want it and I cant pay it, any ways I used it only a month and a half. 
If you dont agreed with my suggestion Ill send my case to the BBB and they will see it. 
I receive.d yesterday a notification from a collection Co. asking me to pay in full {$18000.00}. This co. is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, GA XXXX. Acct. XXXX. VW original Acct. XXXX Resp. XXXX XXXX XXXX
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

I have been a victim of Fraud and I sent in a police report as my proof my identity was stolen there has been different names address and emails and my information has been sold by the 3 credit agencies when I also opt out, I have submitted numerous disputes to remove and investigate this bt nothing has been done, I have rights under the FTC law to fight against this and XXXX, XXXX and equifax are aware. from the beginning of 2013 there has been inaccurate reporting, not updated reported information, and discrepencies, harassing calls, from XXXX XXXX, XXXX XXXX, medical billing companies when I have medical insurance. XXXX XXXX  and I am up to date but they put me as late and I have credit protection as well to bring me up to date. My credit score has been affected by this and this has caused tremendous hardship. XXXX has also allowed someone to have a tradeline on my new established XXXX I have not even established credit history and there are tradelines already please help me to find a solution.
Complaint sub-issue: Problem using a debit or ATM card

On the XXXX of XXXX. 
Merchant name : XXXX XXXX XXXX Date/time of transaction : XX/XX/XXXX - XXXX Transaction amount : {$280.00} Dispute amount ( must include original transaction amount ) : {$240.00} Was your physical card compromised? No Is the card still in your possession? Yes Was this a recurring payment? No Have you purchased from this merchant in the past? No Have you tried to contact the merchant to resolve? Yes What merchandise or service ( please provide a detailed description ) was ordered and when was it expected to be received? it was an ATM withdrawal and expected to receive the cash immediately but the machine only dispensed {$40.00} out of the {$280.00} that I requested. 

On the XXXX of XXXX. I received this email from XXXX XXXX ( XXXX Support ) Hello XXXX XXXX XXXX, We've completed our investigation of your dispute for the transaction of {$240.00} made on XX/XX/XXXX at XXXX XXXX XXXX. 
We're happy to inform you that the dispute has been resolved in your favor. 
The provisional credit you were given on XX/XX/XXXX for {$240.00} is now a permanent credit as a result of the ruling in your favor. 
We appreciate your business and please don't hesitate to reach out with any questions. 

For more information, see our Coinbase Card help article XXXX XXXX XXXX XXXX  Regards, Coinbase Support There was never any provisional credit issued to my account at any point in time and thats for the whole time I have had an account. I have replied to the email numerous times and get no response. I have talked on the phone and online chat with coinbase support and they tell me that they will create a ticket, escalate my concern, and other standard support agent responses that lead no where. I mean it shouldnt be that difficult for them to handle youd think. The investigation is concluded and ruled in my favor therefore why is it taking so long to credit my account and why lie about already doing so?
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX 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 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 XXXXXXXX Balance : {$1600.00} CONSUMER ; XXXX XXXX XXXXXXXX Balance : {$5900.00} ; CREDIT XXXX XXXX Original creditor : XXXX  XXXX Balance : {$100.00} ; XXXX, XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX & XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$160.00} ; Medical XXXX Balance : {$240.00} ; Medical XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$51.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX : XXXX Please Note : CFPB Complaint XXXX I did not request an investigation nor dispute. I asked you who updated and verified this account, specifically " Who the XXXX, is making these inaccurate changes? ". 

Do not start another dispute, this would be the fifth dispute and would be the fifth time you failed and lied about verifying the accuracy of this account. 

Either provide a method of verification as requested now for the 3rd time or remove this account. XXXX XXXX does not count as verification. 

I'm done playing this game, either you or XXXX XXXX has been falsifying information on my credit report which i take seriously and which has been a detriment to me. If the CFPB or FTC refuses to do anything i will seek restitution and resolution under FCRA through the courts. This account needs to be removed immediately. Ive documented every form and occurrence of communication with you. Once i start litigation there will be no settling outside of court or dropping. If i start this process it will go full course and what i am asking to do now, which is remove this account, you will have to remove and pay me for not removing it sooner. No games, no threats, just tired of this bs. Remove this account now!!! 

As well i will file a complaint with the FTC, State attorney generals office, XXXX   until time comes for me to see you in court. You have until XX/XX/2019 to remove this account from my reports.
Complaint sub-issue: Account terms

Had a XXXX XXXX account that paid XX/XX/XXXX out of closing that was settled thru XXXX and was payed directly to XXXX XXXX and pinnacle credit ended with my payment and sold the account after it was paid off to first national collection on XX/XX/XXXX. I have all the paperwork to send to confirm my complaint. XXXX refuses to talk to me after many calls to them. Please help me settle this problem. ThankYou XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Fees charged for closing account

Hello, I was recently a student at a college I no longer attend. I feel as if they mishandled me and discriminated against me. I have {$1000.00} to owe this bank as a charge off. There were fraudulent charges and activity in my account that I had no knowledge of. And my account owed this large amount. I was even told by fraud department that this school branch in XXXX, MO should have closed my account a long time ago if there was suspicious activity and open a new one, instead they just kept it alive. I have been mishandled and feel discriminated against. I do not want a closed account on my XXXX  as that can cause problems along the way. I want to be able to possibly open a new account with this bank in the near future or any other bank for that matter.
Complaint sub-issue: Problem making or receiving payments

PNC wont let me link my bank account to XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX of 2018, I informed the finance company ; XXXX XXXX that I was refinancing my home and that they would pay off the remaining balance of the vehicle. In XXXX, XXXX finally responded and sent me the wrong payoff balance for the XXXX XXXX. The title company tried repeatedly to get the correct balance to no avail. Finally, I XXXX, the title company sent me a hard paper check in the wrong payoff amount to which i sent to XXXX XXXX, since the amount was wrong, I still owed a small balance and I paid that off in XXXX. In the meantime, XXXX marked me late 30 days for the month of XXXX, reported the late to the credit bureaus, then marked the account paid in full in XXXX!
Complaint sub-issue: Investigation took more than 30 days

I reported a fraudulent account on my credit report to the credit bureaus and the creditor and they have yet to remove it or verify it. which is a violation of the credit act.
Complaint sub-issue: Investigation took more than 30 days

I have recently filed disputes with all the credit reporting agencies and it hasa been well over 30 days with no response.
Complaint sub-issue: Investigation took more than 30 days

On XXXX/XXXX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.