Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act the list of accounts has violated my federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX. 

Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX XXXX ( account number XXXX ) Account Name : XXXX  XXXX ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX XXXX  ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX & XXXX ) Account Name : XXXX  XXXX ( account number XXXX ) Account Name : XXXX XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXXn ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX ( account number XXXX ) Account Name : XXXX XXXX  XXXX account number XXXX ) XXXX XXXX XXXX  Section XXXX A States I have the right to privacy. 

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

XXXX XXXX XXXX ( a ) ( XXXX ) Section states : no consumer reporting agency may make any consumer containing any of the following items of information. Any other adverse items of information other then records of convictions of crimes which antedates the report by more than 7 years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall notfurnish 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: Information belongs to someone else

I'm in the process of building my credit. I haven't applied for anything in over 20 years. I was XXXX for the 20 years. With the help of my daughter, we were trying to build my credit up. So, we pulled my credit file and there was an account by the name of XXXX XXXX account number XXXX opened XX/XX/2021. 

This account I never authorized to be opened, I never applied with XXXX XXXX Bank to open this card. I never signed for anything ; I never spoke to anyone in reference to anything. 

My daughter started doing research and found out that all credit reporting bureaus must be accurate with reporting on all 3 bureaus. In accordance with Fair Credit Act XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602A states I have a right to privacy. 15 U.S.C. 1681 section 604A section 2. It also states a consumer reporting agency can not furnish an account without my written consent.
Complaint sub-issue: Seized or attempted to seize your property

Company called Westhill Exchange LLC claims to be collecting a debt from another party. I have never heard of Westhill Exchange and have not received any communications from them. The first time I heard of them was XX/XX/XXXX when they sent me a purported " receipt '' for XXXX that they said they were taking out of my XXXX XXXX XXXX account without any authorization from me whatsoever. I contacted them and told them not to remove any funds, they have no authorization, and to please provide me with a debt validation letter with proof I have a debt with their company or anyone they represent pursuant to the FDCPA. It turns out they did issue a check to my account, with random check numbers and indeed took XXXX out of my account without any authorization from me. XXXX  XXXX XXXX has been notified and they have advised me to freeze and close account. This is my main account that everything is tied to, so it will cost me time, money, and stress to transfer everything to a new account. The first time I ever even heard of this company, Westhill Exchange LLC, was five days ago and I believe they have violated FTC rules by taking money out of my account without any notice or authorization. I didn't have time to receive or review any paperwork in order to dispute or deny such an allegation of debt.
Complaint sub-issue: Debt was result of identity theft

I have contacted the company multiple times through written communication advising them this debt was open due to identity theft. I have not received any correspondence from the company since I started contacting them 5 months ago. I discovered this debt by viewing my credit report this company never sent any correspondence to me for this debt. I have asked for a copy of the contract in question for 5 months now with no response. I have asked this company to delete the debt off my credit as it is in violation of rules under the fair credit reporting act.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Complaint sub-issue: Was not notified of investigation status or results

On the XXXX of XXXX, I sent them a letter to validate unknown and incorrect information on my credit report and have not given any feedback after 30 days. I sent another letter on the XXXX of XXXX complaining that I have not received anything and up to this date they still haven't responded to any of my disputes. Under the FCRA, they have to respond to my disputes within 60 days or they have to remove those items from my report.
Complaint sub-issue: Information belongs to someone else

I am requesting that you immediately delete information off of my credit report that isnt mine. I do not know how these items ended upon my credit report, but I never signed for. I dont know who gave you this information!
Complaint sub-issue: Investigation took more than 30 days

I have been corresponding with Lexis Nexis since XXXX. Their timelines do not comply with FCRA. I requested deletion of bankruptcy on file via certified mail 62 days ago. I have not recieved ANY correspondence back from Lexis Nexis. Their reporting of my bankruptcy to the credit bureaus is highly injurious and needs to stop.
Complaint sub-issue: Problem with personal statement of dispute

Discover use to have a balance of XXXX but now went down XXXX based on a car I voluntarily surrender and paid XXXX for a 3 year lease car so discover is going based on a shortage of XXXX for the XX/XX/XXXX XXXX XXXX n I voluntarily surrender n only owe XXXX n discover card hurt my credit report they said I have 2 take it out w u guys ... I am XXXX XXXX but discover still got there money.. I'm sooo upset
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act XXXX, EQUIFAX, and XXXX has violated my rights by furnishing accounts on my consumer report without my written instructions. These are the account that was furnished on my report without my consent. 
XXXX Account # XXXX Dept of Education Account # XXXX Dept of Education Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX ( XXXX ) accounts same number Dept of Education XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Inquiries : Date 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 15 USC 1681 602 ( A ) State I have the right to privacy.

15 USC 1681 604 ( A ) section 2. State a consumer reporting agency can not furnish an account without written instructions from the consumer. I am the consumer and I have not given anyone consent to furnish anything on my consumer report.
Complaint sub-issue: Account information incorrect

According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C 1681b ( a ) 2 was not given my written instructions XXXX account number is XXXX .... 
XXXX states balance is {$540.00} XXXX states balance is {$0.00} equifax states balance is {$540.00} date opened XXXX states XX/XX/2017 inaccurate XXXX states XX/XX/2017 equifax states XX/XX/2017
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/2015, I totalled a XXXX XXXX XXXX VIN # : XXXX which was registered and insured in my wife 's name. It was my fault. I was charged with XXXX as a result of the accident. No one was hurt. 
XXXX XXXX XXXX XXXX XXXX which provided coverage for the XXXX and continues to provide our coverage to this day has me listed for two ( 2 ) are fault total loss accidents one day apart from the other. They have me as being at fault on XX/XX/2015 and XX/XX/2015. The XXXX was the only vehicle we owned at the time. What's more, in XXXX 's own details it states that I was at fault for two total losses of the same XXXX XXXX XXXX. The vehicle was a complete loss and was towed away to XXXX 's analysis center on the XX/XX/XXXX, giving me no access to it. This dual at fault total loss combined with the XXXX has kept our insurance rates over the moon. I spoke with XXXX about a year and a half ago and they told me that there was nothing that they could do. It had been entered into the system, so that's how it was. Now, help me out here but that sounds like a load of bologna to me. They gave me the number to Lexis-Nexis but they also gave me the run around. I was wrong. I admit and since XX/XX/2015 I got XXXX and strive to maintain a higher quality of life for my family. I don't know what else to do about this.
Complaint sub-issue: Account status incorrect

The loans have me late when I applied for deferment. Also I have asked over and over to validate loan it is too, too high, I don't owe that kind of money, I only have 2 XXXX  degrees. I applied for an unemployment deferment and it shows 90 days late.
Complaint sub-issue: Debt resulted from identity theft

In addition to the disputes currently on record and filed with the FTC pertaining to the identity theft and the opening of accounts using my personal information. It was recently brought to my attention that there is a further account opened without my knowledge or authorization and i ask for information regarding the opening of this account and what details where used to verify the applicant. 
Please see the attached affidavit pertaining to the ongoing report.
Complaint sub-issue: Debt is not yours

XX/XX/XXXX Attempted to purchase and activate a children 's smartwatch at a XXXX location in XXXX, TX. The XXXX sales representative failed to get the smartwatch to activate/communicate with my XXXX XXXX XXXX phone as the parent phone. The XXXX sales representative cancelled the transaction and refunded or voided all charges. 

XX/XX/XXXX I received a bill marked past due for the XXXX account canceled in XXXX. I returned to the XXXX store and showed the same employee the bill. With help from his manager and after a long conversation with corporate XXXX it was discovered that the smartwatch transaction was not properly cancelled and that I was considered a customer still with an account. The manager, working with corporate XXXX over the phone again cancelled the account and voided any debts. 
XX/XX/XXXX I received a collection notice from ICSystem for {$10.00} which lists XXXX as the original creditor. I returned to the same XXXX store where the staff confirmed that this fee was associated with the smartwatch transaction and should have been waived but was told that they could do nothing to correct the issue now that was with collections. The XXXX staff recognized that the debt was invalid and noted it as such in the notes on my account. ( see attached image of notes )
Complaint sub-issue: Information belongs to someone else

I have been a victim of identity theft and fraud! I have contacted equifax 4 different times. 

By law these inquires should be removed immediately. I have never applied for any accounts from these companies listed below. I have contacted all parties including my local police department, the companies stated below, filed a Identity theft report, copy of license is included and a copy of my social security card is here. 

This has been a inconvenience for me and I expect to have this process expedited immediately and these fraudulent and inaccurate accounts blocked and deleted immediately. 

Fraudulent inquires dates include : XXXX XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020
Complaint sub-issue: Reporting company used your report improperly

In accordance to the fair credit reporting act XXXX Account Number : XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late and for and purpose.
Complaint sub-issue: Account opened as a result of fraud

Someone opened an account using my name, social security #, address and phone number. This account was opened at Synovus bank, i was notified by the bank and have received a statement in the mail. 

I do not know this person and am concerned of other fraudulent actions that maybe taken. 
Documents can be provided as needed.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On two separate occasions I never received my Bloomingdales Citi Credit card ( s ) nor did my authorized user Bloomingdales is not resolving the issue of fraudulent charges made on my accounts, in fact they are making my balance larger. I have reached out to them on multiple occasions and they are not helping at all. They are now saying my balance is XXXX  consisting of two charges for XXXX, one for XXXX and one for XXXX. I nor my authorized user on the account made these charges because we never received the card ( s ). Someone got a hold of the cards and made the fraudulent charges. 

I would like this matter resolved immediately Last 4 digits of my SSN are XXXX to help bloomingdales credit card find my account
Complaint sub-issue: Was not notified of investigation status or results

I have file disputes and have not received anything regrading them. I feel the 30 days is more then enough time to reply to my request.
Complaint sub-issue: Company closed your account

Hi, I called Citi Bank on XX/XX/XXXX to downgrade my current credit card with them for a card of theirs with no annual fee. After 10 minutes in the automated system trying to talk to a customer service representative I got to the cancel you card thing, thinking thats when I would talk to a customer service representative I went into that many, and the card got cancel with no verbal confirmation. I was told that my card couldn't get downgraded with out verbal confirmation but some how it got canceled with it. I was able to get to a customer service rep right afterwards but it was canceled. I got passed around to 3 reps and finally they said I could appeal the decision which I did and then I should call back in 10 days. I called back 14 days later and it was said that no request got inputted into the system and now I can reply and get charge the annual fee again and have a hard pull on my credit. They were extremely unprofessional with all of it. And I have over an hour on the phone with htem.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX 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 719XXXX has me at a score around 590. 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 XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

The catalytic converter of my XXXX XXXX XXXX was stolen on XX/XX/XXXX. I filed an approved police report on the same day and also filed a claim with my car insurance company XXXX. Since I had comprehensive coverage my insurance company paid for the repair minus my {$1000.00} deductible. I wanted to renew my car insurance policy on XX/XX/XXXX with the same company XXXX. However they let me know that my monthly rates would be {$100.00} higher because I was involved in at fault accident on XX/XX/XXXX. They told me the company that gave them this information is Lexis Nexis. They said I would have to dispute this record before I can get back my favorable monthly rate. Lexis Nexiss phone number and website doesnt give you an option to dispute your record.
Complaint sub-issue: Account information incorrect

Enhanced Recovery Company collection for XXXX XXXX XXXX in the amount of {$100.00}. This account is years old. It was settled. It popped up on my credit report sometime after it was paid. I disputed it when I become aware of it and sent paperwork to confirm to XXXX. It was removed from my credit report for a period of time. I became aware that it was added back again when applying for credit and being denied. I again disputed and asked for dates, and payment history, which I never received. I have not received notice directly from Enhanced Recovery Company, it only keeps popping up on and off on my credit. It shows on my credit as if it was placed in collections on XX/XX/2018, even though I haven't had XXXX XXXX in more than 3 years, it was initially disputed prior to XX/XX/2018 and readded. The only other explanation is someone else fraudulently used my name because I have not had XXXX in years for any services. I have now been denied credit twice before of this false reporting. It is harassment. I have 24 credit accounts in excellent standing with credits of up to {$20000.00}. This one false negative reporting for {$100.00} has stopped me from getting credit. Enhanced Recovery Company placing this on my credit report without sending me notifications through mail, without providing an account history, it being removed more than once after being disputed to only show up again is harassment.
Complaint sub-issue: Debt was paid

According to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, I XXXX XXXX attest that I do not owe any money for a medical services rendered at XXXX XXXX XXXX hospital. I am enclosing receipts of payments made to XXXX XXXX hospital. Based on aforementioned federal statues I'm asking this company XXXX XXXX XXXX to immediately cease and desist and correct my credit report with all credit bureaus. I am requesting that this company be fined for being negligent in their reporting of a debt that is not owed. if my credit is not fixed within 5 business days, this company should be reported to the department of justice for fraud and harassment.
Complaint sub-issue: Information is not mine

Disputed an inquiry made by " XXXX XXXX '' on XXXX XXXX, 2014 to Equifax. I have n't done business with XXXX in nearly a decade and positively did n't authorize them to make an inquiry. 

Equifax responded that inquiries " are a factual record of file access '' and as such wo n't be removed by Equifax , regardless of whether or not authorization was given for the inquiry to be performed.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I have the CITI credit card which my limit was only {$2000.00}. Yes I kept a high balance on the card but I decide to pay it off in XX/XX/2020 and when I did CITI decreased my credit limit, I have not once been late on any of my payment it would have been nice for them to increase my limit to {$10000.00} and not decreased to {$500.00} which now have hurt my credit score. I am very disappointed with CITI on how wrongfully that have treated me