Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019 my credit report from XXXX was alerted that an account was reported opened under my name the bank name is XXXX XXXX Bank this bank work with a store called XXXX XXXX, and that is the new account that was opened under my name for this specific store where people was able to spend {$2000.00} on XX/XX/2019. 
I did try to close this account that I did not open my self using my XXXX  services, I was not successful doing this. 
My credit score when from los 700s to low 600s in 4 months also the same problem occur on my personal XXXX account on XX/XX/2019 someone was able to use my credit for 2 exact same purchases at the same exact XXXX store in XXXX Ca for the exact same amounts of {$1000.00} the company was not able to help me when I reported my identity been stolen and they send me a letter saying that I made those two purchases my self, when I did not. 
I did manage to send them and other message saying that this transactions were not made by me and if they did not correct them and applied the proper credits to my account I will be force to stop my automatic payments.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I suspect fraudulent inquiries on my credit report. I did a thorough investigation on my credit and I don't authorize these 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 XXXX XXXX XXXX XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

Today I found out that my Best Buy card has been charged a monthly fee for " Debt Protection. '' I called Best Buy to see what this was and when I had purchased it. They said that it was in case I ever lost my job, died, etc, so I could keep making payments, and they said it had been on the account since I opened it in 2005. I never noticed this before, because I generally pay the bill online and only look at the amount due because I rarely use the card, and have primarily only used it for large purchases. In other words, I trusted Best Buy and assumed that a handful of transactions + interest would show up on my statement in a given year. At any rate, since 2005, I have been charged over {$5000.00}, although the representative could not give me an exact amount because the card was no longer serviced by XXXX, who serviced the original card ( I am attaching the statements I was able to access ... you'll be able to see year-to-date for the last three years ). 

This whole thing is problematic for a few reasons : 1 ) I never purchase or agree to these types of plans. They are a waste of time and that is why I have insurance/disability. It would be very out of character for me to agree to something so trivial. 2 ) I have no recollection of agreeing to this plan, and I have a pretty good memory. I remember specifically setting up this account in the store and paying close attention to what the representative was saying as he explained everything. I was careful about what I agreed to and what I did not agree to. This was my first credit card, and I researched it and asked lots of questions before signing a single thing. 3 ) This is not the first time something like this has happened. I have heard from close friends as well as countless people on Best Buy message boards who were mislead by Best Buy employees who used unethical tactics to take advantage of customers. 

I have spoken to several people inside of the Best Buy organization and they have told me that this will need to be reviewed. However, I was never given that option. Instead, they took money from me without my knowledge or consent for years. So, I would like to file a complaint and ask that they return every penny.
Complaint sub-issue: Information belongs to someone else

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report on this day over almost 60 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 ) of the Fair Credit Reporting Act, it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been almost 60 days as a result they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this situation has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

I AM A VICTIM OF THE EQUIFAX XXXX XXXX AND XXXX DATA BREACH. RAN MY CREDIT TO OBATIN AND MORTGAGE AND WAS TOLD BY LENDER THERE ARE FRAUDULENT ACCOUNTS AND INQUIRIES ESTABLISHED IN MY NAME WITHOUT MY CONSENT AND AUTHORIZATION. SOMEONE HAS BEEN USING MY SOCIAL ILLEGALLY. I REACHED OUT THE THE CREDITOR DIRECTLY AND ALL 3 CREDIT BUREAUS AND XXXX IS THE ONLY BUREAU THAT SUCCESSFULLY REMOVED THE NEGATIVE FRAUDULENT ACCOUNTS FROM MY REPORT PROMPTLY. I HAVE SUBMITTED THE REQUIRED DOCUMENTATION FOR THE LAST 8 MONTHS TO EQUIFAX AND XXXX   WHICH INCLUDE COMPLAINT DISPUTE LETTER FTC IDENTITY THEFT AFFIDAVIT AND ALSO OFFICIAL POLICE REPORT AND STILL NOTHING IS RESOLVED REMOVED OR BLOCKED FROM MY CREDIT FILE. THE FRAUDULENT ACCOUNTS ARE FALLS COLLECTIONS {$440.00} XXXX XXXX XXXX {$12000.00} AND XXXX XXXX {$0.00}. I DID NOT OPEN THIS ACCOUNTS OR AUTHORIZE THEM SO THEY SHOULDNT BE OPENED OR REPORTING TO MY REPORT. FCRA SECTION 605B AND 609B.
Complaint sub-issue: Card was charged for something you did not purchase with the card

In early XX/XX/2022, I was alerted to potential fraud on my Citibank credit card. I placed a call to customer service and advised that I had received both a text and email. The representative I spoke with advised there had been a {$3000.00} transaction via a Citibank issued balance transfer check. This was fraudulent as I made no such transaction. I believe my mail was stolen and someone used a check that had been sent to me. The representative advised that I would receive a letter in the mail with further instructions. He also closed my card and reissued a card with a new number. I received the new card, however, I did not activate it. I never received a letter. 
In late XX/XX/2022, I was alerted to potential fraud via email. I again called Citibank and also checked my online account. Another check had been written on my account in the amount of {$1000.00}. I attempted to resolve and get an understanding of my fraud dispute, however I was told the representative could not access my account because it was locked and they would send me a letter with a code to unlock it. I received the letter over a week later in early XXXX. I called the fraud number within the letter and provided the code. I also went to my online account and saw that I had been charged an additional XXXX in transfer check fees. Total now is XXXX fraudulent charges. I was transferred to XXXX different representatives, and neither could tell me the status of my fraud dispute. I asked that I receive an update as soon as possible as my credit score was being impacted by the high spend ratio on my account. I was told I would receive a letter and am waiting, however I am not hopeful anyone at Citibank is taking any action. I also asked that my account was noted OPT OUT of any transfer checks by mail or otherwise. I was transferred to a third representative that assured me I was now opted out. 
I logged into my online account today and noted I am being offered an increase to my spend capability. I also noted that my account shows no disputes registered! " You havent reported any fraud on your account. '' This back and forth has been going on for over 45 days and XXXX telephone calls to Citibank with no resolution. I need my fraud case investigated and fraudulent charges removed from my account. 

Details : XX/XX/2022 BALANCE TRANSFER FEE {$90.00} XX/XX/2022 BALANCE TRANSFER FEE {$30.00} XX/XX/2022 INTEREST CHARGED TO STANDARD XXXX {$17.00} XX/XX/2022 INTEREST CHARGED TO XXXX {$0.00} XXXX XXXX, 2022 ONLINE PAYMENT, THANK YOU {$75.00} XXXX XXXX, 2022 XXXX XXXX CHECK # XXXX {$1000.00} XXXX XXXX, 2022 XXXX XXXX CHECK # XXXX {$3000.00}
Complaint sub-issue: Deposits and withdrawals

Sterling National Bank closed branch due to snow storm & did not reconcile ATM deposits for 4 days. A deposit I did on Saturday did not go into account until Wednesday ... ( although all other businesses opened Tuesdsy ) subsequently they bounced 2 payments and I received a charge from XXXX who I was trying to pay & they would not refund this. 3 calls with hold times of over 2 hours and they will not fix the issues due to their closure. Also the deposit was 1/2 cash with an AVAILABLE valve enough to cover outgoing payments.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX reported a hard inquiry conducted by Equifax on XX/XX/XXXX from XXXX XXXX - oh. This is the second hard inquiry from XXXX on XX/XX/XXXX. The first XXXX XXXX, TX. I reported this hard inquiry to cfpb on XX/XX/XXXX. ( XXXX ). I was contacted by XXXX this morning and suggested sending a letter to XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX.
Complaint sub-issue: Debt is not yours

I received a call from a sales person from Sears to sell an extended warranty on my refrigerator. I specifically told the sales person to place the charge on my Sears credit card and not to charge it to my Sears Master card, which I had never used. Citibank collections starting calling me at least 4 times a day to collect on debt that I didn't owe, I explained to them that I have never charged anything on my Master card and that they should review their tapes. After that Citibank told me that the charge they were trying to collect on was a fraud. I explained to them that I purchased a warranty on the Sears credit card and not the Master Card, but they and threaten to report me to the credit bureau. When I spoke to Sears sales person, she stated the call may be recorded ; therefore, I feel the recording should have been reviewed to resolve this issue before it has escalated to this point. Eventually, they turned the debt over to the collection agency ( XXXX XXXX XXXX XXXX XXXX ). Routinely I have {$75.00} per month automatically withdrawn from my account for the Sears Credit card ; therefore, I was under the impression that the warranty was placed on that account and that I have been paying consistently. 

I am senior citizen and I feel very harassed and taken advantage of when I have been a loyal customer and paid my bills timely.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Issue : DISCOVER CARD refuses to resolve a dispute for falsely advertised product. DISCOVER favors the merchant. 

- I purchased a reproduction of oil painting from XXXX - Painting was sent damaged due to improper painting, and it was not as advertised - I tried to work the issue with the seller - Seller tried to sell me another wrong picture (! ) - Seller would not issue a return label citing their own return policy where the buyer has to pay for returns. This policy does not states this for non conforming products, or products damaged in transport, or different from what was advertised. 
- I tried to work out a solution with the seller on the return ( it costs almost as much as the picture itself for shipping back due to no fault of mine ) ; - I have opened a dispute with DISCOVER documenting all these issues ; - 30 days later DISCOVER closed the case in favor of the merchant as a " legitimate transaction '', with no reasonable explanation of why ; - Original wrong painting was never replaced ; - There was no refund attempted ; - Reopened the case with DISCOVER at my request, after I questioned their decision ; - I was told verbally that the resolution may be the same, again in favor of the merchant ; All the documents are already uploaded on the DISCOVERY web site for disputes. Should you need the documents please let me know and I will send them as well to you.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$890.00}, and XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Complaint sub-issue: Frequent or repeated calls

XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, NJ XXXX I sent a letter to ( XXXX, XXXX ) regarding inaccurate and unknown things on my credit report. I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove the item from my credit report. I demand this account be deleted from my XXXX and Equifax or I will file ligation due to stress I've been caused. My information was also impacted by the Equifax and XXXX data breach and may have gotten to the hands of the wrong person..
Complaint sub-issue: Personal information incorrect

I sent a letter to remove this personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove this personal information not later than 4 business days. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Complaint sub-issue: Deposits and withdrawals

I used TCF atm XX/XX/XXXX around XXXX to XXXX for make a regular monthly deposit for make an specific payment on XX/XX/XXXX of the month, at the beginning I just put {$500.00} and suddenly ATM stop working gave me a msg " THIS ATM IS UNABLE RETURN YOUR ITHEMS PLEASE CONTACT YOUR BANK '', I did and supposed they gon na investigated and until this date nothing, I stop three times at the agency they checked cameras, and the answer was I have more money in my hands.

for a information in my account XX/XX/XXXX of every month I deposit XXXX  for a university payment
Complaint sub-issue: Problem getting your free annual credit report

Today, XX/XX/2017, I went to XXXX to get my 3 free annual credit reports online. I was able to get 1 from XXXX, and 1 from XXXX. Equifax did not want to provide me with an online report. They said I have to mail a request to them.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 


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
Complaint sub-issue: Was not notified of investigation status or results

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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
Complaint sub-issue: Debt was result of identity theft

I was checking my credit report and I noticed multiple unauthorized inquiries and accounts on my credit report
Complaint sub-issue: Threatened or suggested your credit would be damaged

Hunter Warfield attacked my credit score without sending me any notices in the mail or leaving any message on my phone about a debit being owed. The apartment complex where the debit originated from never billed me for the amount being owed and I promptly payed after receiving my final move out settlement.
Complaint sub-issue: Account status incorrect

This account has been closed since XX/XX/ 2019 and they are constantly changing my payment history by removing and adding missed payments to my credit constantly affecting my credit scores. I have uploaded 3 proofs below.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX 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 B States a consumer reporting agency can not furnish and account without my written instructions.
Complaint sub-issue: Investigation took more than 30 days

I recently sent a dispute letter to XXXX, Equifax, and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either XXXX. The reason I'm filing this complaint against them is that XXXX XXXX requires them to respond within 30 days yet they have failed to respond. earlier to comply with these XXXX Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Complaint sub-issue: Information belongs to someone else

see Equifax attachment please remove it FTC or HIPPS, FCRA violations
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX I applied for mortgage deferment / forbearance for two rental properties I own. Loancare / XXXX services both mortgages. I received auto-reply messages saying my forbearance request was received and I should turn off the AUTOPAY direct debits for the loans. I did so. On XX/XX/XXXX, I received LATE PAYMENT notices for both loans. I responded to Loancare with detailed emails and phone calls ( that are not answered ). I received an auto-reply from Loss Mitigation with a Ticket Number and instructions on how to apply for forbearance ( which I had already done, twice, with two confirmations of their acceptance. ) See below : # # # XX/XX/2020 ( Reference number : XXXX Please use this ticket number in any correspondence with us. ) Subject : Loss Mitigation Dear Valued Customer, Thank you for contacting us. 
A Message About Coronavirus ( COVID-19 ) and How to Apply for a Forbearance Thank you for contacting us about your mortgage. If you are experiencing financial hardship due to the coronavirus ( COVID-19 ) pandemic, continue reading for information about your relief options. 
On XX/XX/2020, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) was signed into law. The CARES Act allows mortgage borrowers to request a forbearance with an initial term of up to 180 days ( 6 months ). When the initial term expires, mortgage borrowers can request an additional term of up to 180 days. 
# # # More phone calls that never get answered, more emails that have an auto-reply. 

I then SELL the homes. And the loans are paid off. AFTER the sale is closed I learn that LoanCare has marked my loans as 60 days late making it impossible for me to modify any other loans. My web portal ( to login to Loancare ) is now closed. And they still don't answer the phone. 

Please help. 

XXXX XXXX
Complaint sub-issue: Problem getting your free annual credit report

XXXX and Equifax state that they can not provide my free credit report online. XXXX says it is because " A condition exists that prevents XXXX from being able to accept your request at this time ''. And Equifax asks security questions that are not related to me in any way so I do not know the correct answers. 

I discovered the problem as I tried to get my social security statement online. When registering for an online social security account I was asked credit account questions that are not related to me. So I wanted to check my free credit reports for potentially wrong information. This is when I found that Equifax was asking the very same questions that the social security administration was asking. So I am blocked from my free credit reports from Equifax and XXXX and I can not open an online account with social security. 

BTW, there was no problem with getting the XXXX free credit report and there is nothing unusual in it. Somehow Equifax and XXXX have a system in place that results in wrong information. 

Because I can not see the information I can not correct it unless I send a written request with sensitive data through regular mail which flies in the face of protecting this very same data. 

It is a shame that XXXX and Equifax can not or are unwilling to get their houses in order. It looks like they are using the free credit report system to force people to subscribe to their own services.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I tried calling the company multiple times letting them know its not me who tried to open an account Ive been with the same phone and cable company for years but they were not trying to hear me out