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

I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Conn Credit Corp XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I have had problems with identity theft and forgery, I have contacted all 3 credit bureaus and let them know about the problem I have been having. Equifax will NOT remove this fraudulent account off my credit report and i have reached out to them and the creditor twice regarding this account. The other bureaus have blocked this information from my credit report. The company has failed to comply with the Fair Credit Reporting Act regarding identity theft. This has been an on going issue and it is causing me a lot of pain and suffering.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Complaint sub-issue: Account information incorrect

I bought XXXX XXXX from Carmax in XX/XX/2022 for {$22000.00}. XX/XX/2022 someone collided with me in traffic and caused {$34000.00} in damages and the car was totaled by XXXX XXXX. During the time of settlement on this claim Carmax noted two late payments on my credit report. Since they were paid in full in less than five months of financing said vehicle the need to place late payments on this account was unnecessary cruel and has caused and continues to cause undue harm to my ability to finance another vehicle.
Complaint sub-issue: Overdrafts and overdraft fees

I am from XXXX and I own XXXX XXXX XXXX A person texted me from a us phone number saying they will come to XXXX for vacations and that they are interested in renting the cabins. He made a deposit on my US bank account for more money than i asked to, so he asked me to transfer the difference back. My account got blocked so I called us bank to ask the reason and they said it was because im not used to getting those amounts but that everything was ok and that I have the full amount in my account. The deposit was from what you can tell on Us bank app, in cash since it was fully available from the very biginning and did not say it was a pending check. My account was available again on monday XX/XX/XXXX and I made the XXXX transfer since us bank told me the money was on my account. Later that day another us phone number texts me asking for the same thing, then I assume there was something wrong so i called us bank telling the situation. They could not even tell me if it was cash or a check and after hours of being on the phone they tell me it was a check. Later that day I called again to Us bank asking how can Us bank accredit the full amount of a check in my account if the check is not even veryfied yet, and the fraud department tells me they looked up the check with the supervisor and told me i had nothing to worry about, that the check was verifyed and the money was on my account. Today I wake up and that money is gone, I called the fraud department and again after hours of calling they told me that YES it was a mistake on their part because the person that received the check at the US bank branch didnt do the right verification on the check and they just put the full amount available on my account, and said there is nothing they can do about it. I was like how can you tell me is your mistake and that because of that i lost XXXX and there is nothing you can do about it. They said " sorry, it was a busy day probably '' like if that makes it ok I lost my money.i would never transfer money back If I know it was a check and pending from approval, but US bank told me everything was ok, and all the sudden they took that money away from my account.
Complaint sub-issue: Frequent or repeated calls

Citi Bank is contacting my relatives and friends and advising they are calling to collect a credit card debt I owe. They keep on calling them on a daily basis, after repeatedly told not to call them. 
Not sure, how they got the numbers of these relatives, because it was never given to them, when I opened the credit card account with them. Nor are the relatives and friends guarantors for the credit account.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Back In XX/XX/XXXX I purchased various products from XXXX XXXX of XXXX, these were Licensed XXXX XXXX products with a 1 year warranty. {$610.00} Transaction ID : XXXX. One of the items was defective ; {$300.00} ; i tried in vein to either get replaced or upgrade or money returned by merchant and Manufacturer ( XXXX XXXX one in the same ) within the warranty period! I also filed a dispute claim within the warranty period with XXXX XXXX XXXX. Ironic is n't it! XX/XX/XXXX At first they said they could not find transaction ; XX/XX/XXXX convenient for them ; then they filed a second new claim for an improper amount on {$350.00} on XX/XX/XXXX. Then they had a fraudulent investigation for an incorrect reason for dispute with a answer from merchant dated XX/XX/XXXX Then on XX/XX/XXXX I received a letter dated XX/XX/XXXX that they were reversing the provisional credit of {$350.00} and that I continue to work with Merchant to resolve matter. I have been dealing with Card Member Service who  on letter dated XX/XX/XXXX that they would report this to consumer reporting agencies unless I paid the amount listed above. ( Illegal under the Fair Credit Billing Act )? I have since had a conversation with the office of the president who said under XXXX rules my original complaint should have never been taken and that the two complaint are n't the same and blaming XXXX Rules ; while they offer me increased credit line and points plus giving away free XXXX 's every month but they XXXX XXXX XXXX US Bank ca n't make XXXX XXXX make good on my defective merchandise! My contention and legal question is even if they should have never took the original complaint or the fraudulent second complaint they devised they did and this alone nullifies any so called Rules or Regulations. We will be going to Court! I will not be paying this charge or any accrued interest attached to this charge!
Complaint sub-issue: Account status incorrect

Account Name/ Number ~XXXX/XXXX XXXX XXXX-XXXX ~XXXX XXXX- XXXX The above account are being reported as late and I've never been late and i have A 1 credit. Your company continue to report these negative items on my credit profile which is inaccurate information. I've sent several letter on behalf of this matter and you continue to report this inaccurate information thats 's damaging my credit profile.
Complaint sub-issue: Information belongs to someone else

The following account is not mines please remove and block, the account should not be reporting on my file. Please investigate and remove. I'm also demanding the Method of Verification used in this instant matter. Please remove this account. 

1 ) XXXX XXXX
Complaint sub-issue: Information belongs to someone else

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

On numerous occasions I have calculated credit card balances that differ from what was calculated by US Bank. XXXX XXXX, 2017 my available credit was {$150.00} according to US Bank. A {$100.00} difference than what I calculated. Later same day, my credit purchase was declined. After phone balance inquiry, my balance was calculated {$80.00} shy of US Bank original calculations that morning, and no purchase had been made and none still pending. Another checking account I have with US Bank had been targeted and stolen from in the past. I have reported this bank to local police.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX I reached out to my credit card company asking them WHAT is going on with my autopay because it kicked me off and caused me to have a late payment because my payment didn't go through in time and they were telling me that I was removed from autopay.. but I never got any notification.. by the time I got a letter in the mail to pay the bill it was too late and I was past due, so I went back and made sure that I'm on auto-pay AGAIN and it worked for one month and again the same thing happened.. it removed me from autopay and I get another late payment on my account, after all this happened I spent hours on the phone with the credit card company and they agreed to remove the late payments if I was on autopay for a year. a year goes by I reach out to them and get into an endless game of phone tag and no is willing on working with me. so I let it go for a few months and try again.. after a ton of phone calls to the credit card company in XXXX of XXXX I get on a phone with a lady and she tells me that they can't access anything that far away so there is nothing she can do.
Complaint sub-issue: Seized or attempted to seize your property

XXXX XXXX XXXX stated they were not a debt collection company. They were working to negotiate a resolution for a debt that was from 2004. The first woman was very rude and kept hanging up when I tried to get additional information. They have called my mother, wife, father, and one of my brothers ( at this point ). I did ask them to stop all contact. I still have no idea what the supposed debt is for. The representative also told me that they are going to do a review of my assets to determine what they will take to resolve this and that a public judgement will be issued against me that my neighbors can see. I believe this is a scam and not sure of this is a reputable company.
Complaint sub-issue: Problem accessing account

I need to link my bank account to a website called XXXX XXXX  for my daughter 's XXXX. You have to link it via your online banking sign in information. It tells me PNC has it blocked. I called PNC and they said they can't do anything about it.
Complaint sub-issue: Account status incorrect

Equifax is reporting a closed student loan account over 180 days past due. I have had my student loans consolidated and they are reporting in good standing. The open consolidated student loan account ends in XXXX is in good standing. Equifax is reporting an account that ends in XXXX as currently closed but has an active date of XX/XX/XXXX but it's been closed since XX/XX/XXXX and my loans have been consolidated for over a year. There is no history of payments provided either to show I was over 180 days late. 

I have tried submitting a dispute to get the account removed and Equifax commented this account is not currently reporting on my Equifax credit file and it is. It's not been updated nor Equifax didn't investigate this. They are reporting inaccurate information because it's not showing the history of the account and it's clear the account is on my report. 

I have attached my credit report, the letter that I sent to Equifax, and their investigation results.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I have been a loyal customer of Sears Master Card ( Citibank Retail ). I asked for assistance due to Corvid-19 and was denied assistance. I attached the letter indicating I am on a payment plan of $ XXXX  monthly so therefore not eligible for Corvid-19 assistance, which is absurd. I am currently and have been continuously in an out of the hospital due to XXXX XXXX XXXX XXXX in which my XXXX XXXX  is under the review of my XXXX ( Medical Team ) who are trying to figure out my best options in regards to my health. I, like billions of people were heavily impacted by Covid-19. I  required assistance in which they denied me. Citibank forced me into a payment plan of $ XXXX monthly because I informed them I did not have the massive amounts for monthly payments they were requesting because of fraudulent charges, non-authorized bogus payments and additionally the fees they assessed ( reversed payments ), over the limit and fraudulent, unauthorized charge in which they held me liable for that I was clueless to. The company refused to review that the bogus payments which were not the account in which I loyally made my payments from. Also, they would not implement their 0 liability or unauthorized charges ( fraud ). Plus they closed the account because of these things which were not my fault but yet holding me liable
Complaint sub-issue: Reporting company used your report improperly

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

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

report wrong address XXXX XXXX XXXX XXXX tx XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I pinned of XXXX XXXX account credit and paid settled in for as of me Ive been submitting the letter that I received from XXXX XXXX XXXX and I have a XXXX balance owed to them and its been considered paid him for since I have some at the letter I had to try to do a three-way call with experience any federal accountant and nothings been done Ive submitted over for different disputes
Complaint sub-issue: Debt is not yours

Original creditor : XXXX XXXX XXXX XXXX. 
Placed in collections by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX Account number : XXXX Date : XX/XX/2020 2020
Complaint sub-issue: Confusing or misleading advertising about the credit card

On XX/XX/XXXX, I purchased a pair of XXXX audio headphones. After using them, I was n't satisfied with some of the features such as sound quality and noise cancellation. On XX/XX/XXXX, well within the 30-day return period, I proceeded to the store to return the item. I was then told I was not allowed to return the headphones. When I inquired as to why, I was told that I had made " too many returns '' and could not return merchandise for 1 year. I was given a slip with the name of the third-party vendor that BestBuy utilizes to monitor return activity. Nowhere is such information listed on their receipt, or in the store. The merchandise was functional and completely returned in the original packaging. When working with the BestBuy Executive Resolution Specialist, follow up was by coincidence slow to intentionally ensure if I were able to return the item, I would miss the 30-day window. After demanding an update, XXXX informed me that she was unable to lift the blackout of returns and offered me a {$100.00}. At that time, I advised how disgusted I was with the treatment and felt that since this was the best customer service I could get, I 'd take the gift card. HOWEVER, XXXX, denied my acceptance of the offer, and instead informed that XXXX XXXX XXXX   that I declined. Per the documentation, that is an outright fabrication. This return policy is deceptive. We as consumers do n't have any idea that our purchases and returns are even being monitored. Let alone, that we only have limited capability to truly determine if we 're satisfied with the purchase. This policy is well hidden and extremely convoluted leaving a consumer to feel as if they do n't have rights. This is an unfair and deceptive business practice employed by BestBuy. First, as an Elite member,  we are given 60 days to make returns based on the volume of purchases. Secondly, as a BestBuy credit cardholder or Elite Member, they NEVER disclose that they track purchases based on your e-mail or account information to limit the amount of returns you can make. So while BestBuy has their " general '' return policy posted in stores, what they do n't advertise is that they have two separate return policies in place that greatly limits the consumer ability to fairly choose whether a product is right for them. Therefore, I demand that Best Buy honor their offer of providing a gift card, as well as lift the " blackout '' of no returns from my account immediately.
Complaint sub-issue: Personal information incorrect

fcra violations not mine : XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX
Complaint sub-issue: Transaction was not authorized

My husband 's ex employer said they overpaid him for paid time off that you took and they took the whole amount out of our check with made an overdraft the bank covered it and then left us with {$15.00} in our account
Complaint sub-issue: Public record information inaccurate

Equifax is reporting a State of California Tax lien on my credit report they removed a long time ago, after receiving the tax lien document, 2 years later after months of not monitoring my credit they inserted the tax lien on my credit report, this time when they re inserted it, they duplicated the tax lien fraudulently increasing my debt from {$20000.00} to {$55000.00} they are in violation of the Fair Credit Reporting Act section 623, and in violation of U.S. Code ss 168i, this is willful violation by the credit bureau if this problem continues to persists, resulting in a lawsuit against equifax. Equifax swore under oath not to report anymore judgements, liens, or public records except for bankruptcies if the statute of limitations has not run out for that to be reported. They continue to lie about not being able to delete, which is clearly a tactic used to discourage the consumer from disputing, I know the laws, my rights, what they are, and are not supposed to do, They will delete the tax lien and the duplicate immediately, or I will sue, XXXX, and equifax had complied and removed the lien, and equifax is the only one that is in no ln compliance. And they are also reporting it past the statute of limitations by fcra for credit reporting anyway.
Complaint sub-issue: Their investigation did not fix an error on your report

Dear Credit Bureau Manager/Leader ; Listen, Im extremely upset, stressed, shocked that you havent legally verified these accounts that Ive screenshot below. Its impossible that you couldve legally verified or investigated these charge-off or collection accounts because it continues to report incomplete, unverifiable, misleading, and erroneous information into my credit report. Its my understanding reading the consumer laws under the provisions of FRCA, FDCPA, and FCBA, FCC, etc.

For example, in order for these accounts to be reported on my credit report, it needs to adhere the consumer guidelines, and it needs to be 100 % accurate, 100 % verifiable and 100 % timely. Every factor of these accounts to be as accurate as possible. 

Unfortunately, when I called and reached out to these companies, its either got transferred or reporting questionable balance, inconsistent dates of last payment, dates of last reported, dates of last active, dates of last opened, inconsistent payment history, and inconsistent account status, and high credit balance should be higher than the actual balance. Therefore, these accounts are unverifiable and incomplete, and misleading. This is illegally causing these accounts to illegally re-aged and its in violations of FCRA. Please delete these accounts from my credit report immediately from my credit report and send me an updated credit report once it has been deleted. THANK YOU!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I gave XXXX XXXX in XXXX Ga permission to run my credit ONE ( 1 ) time for auto financing on either XX/XX/2018 or XX/XX/2018. I can not remember the specific date. I went inside the dealership and this occurred between XXXX and XXXX EST. Instead of running my credit once through one lender, they did it with 6 different lenders, without my permission. I have 6 hard inquiries that I did not consent to in one day!
Complaint sub-issue: Funds not received from closed account

On XX/XX/XXXX I contacted Citi Bank to close my checking account. At that time all funds became unavailable and I was told they would send me a check for the outstanding balance. 

It is now XX/XX/XXXX and I still have not received the funds from my checking account. 

I have contacted Citi Bank no less than 13 times ; 9 times via their online chat support and 4 times via phone. 

Each time I've been told the account has been closed and that funds would be mailed. However, I've been given different time frames for the issuance of the check ranging from " 1-2 days '' to " 30-60 days ''. I've also been told that the delay is due to a 'fraud hold ' for which I've contacted Citi Bank twice ; each call has taken at least 60 minutes to complete and each time I've been assured that the hold has been lifted.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX XXXX # XXXX ), has violated my rights.

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

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