Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Card was charged for something you did not purchase with the card

Best Buy Visa Card was in XXXX balance. Today I received an account statement by mail. Statement up to date XXXX charged a total of {$4.00} for the following transactions : Date Transaction Charge - XXXX ... XXXX XXXX XXXX  XXXX ... .... {$2.00} - XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX ... ... {$1.00} - XXXX ... XXXX XXXX XXXX XXXX XXXX XXXX ... ... {$1.00} I call Best Buy XXXX and report that I notice the above fee charged by them to my account for a transaction that I did not made or authorized. 
They give me the option to close the account. I agree to close the account. 
They told me they will make an investigation. I told them that I was worried of the card being used by other person or the possibility of identity theft. During the phone call some personal questions where made by them like my actives phone numbers, my address and to give a password for contact me for the future for the investigation. I told them to contact me by letter.
Complaint sub-issue: Their investigation did not fix an error on your report

I have attempted to resolve the following problems on my Equifax report. 

XXXX. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is paid in full XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 

XXXX. The inquiry was not authorized US SM BUS ADMIN ODA Date of inquiry : XX/XX/2020 Please remove it from my credit report.
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute in regard to the incorrect items on my credit reports, it has been well over 30 days and still haven't received any investigation results.
Complaint sub-issue: Information belongs to someone else

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the first time and I have derogatory items are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Complaint sub-issue: Debt was paid

I signed a 24 month contact with XXXX  on XX/XX/XXXX the contact ended XX/XX/XXXX, They were supposed to Bill on the third of each month starting XX/XX/XXXX. XXXX instead billed me the XX/XX/XXXX because they said they would be billing a month in advance. After 3 months of service they increased the price and changed my billing date to the XXXX of the month. I still made all 24 payments and cancelled service. They wanted me to get a new contact for another 24 months at {$200.00} a month so I would not sign. called them took all their equipment back on the XXXX of XX/XX/XXXX they said I would get a {$29.00} dollar credit, but then they said I owe them because they bill in Advance, I sent them a copy of all XXXX I paid, now they are saying I own it For XXXX that would make me pay 25 months and if I hadnt paid XXXX why would they bill me {$200.00}, they have turned it over to A collection agency even though I sent them a copy of all payments. I did not have or use service after the 24 months. With that big jump in price
Complaint sub-issue: Reporting company used your report improperly

Companies or lenders obtained my personal information either fraudulently or had no authorization to request or obtain my credit report. I have tried to persuade companies and credit bureaus to actualize or update inaccurate or unlawful obtained information from my report.
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. Equifax and XXXX must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2020, I received a call from XXXX XXXX at IQ Data International stating that we owed {$6800.00} for the cancellation of our prior lease. Ms. XXXX stated that IQ Data bought the debt from our property owner on XX/XX/2020, and that this was a " final notice ''. Ms. XXXX stated that if we did not pay the balance in full today she would charge interest, conduct an employment check, and report us to the credit agencies. We informed Ms. XXXX that we never received any notification - in writing, via email, or phone - of the amount due. We also informed her that we negotiated with the creditor to enter into a payment plan to repay the debt, and were prepared to pay based on that plan. Ms. XXXX indicated that no payment plan would be offered, and the debt had to be paid in full the same day ( XXXX ) that we were notified it existed.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/2022 I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on accounts I have listed below. After which I also filed a complaint with the CFPB ( Consumer Financial Protection Bureau on XX/XX/2022 for improper usage of my credit report. 

According to the FCRA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated that my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are STILL not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : Account Name : XXXX XXXX XXXX CO Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  US BANKRUPTCY COURT Account Number : XXXX Account Name : CXXXX XXXXXXXX US BANKRUPTCY COURT Account Number : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Regardless of the multiple written requests, the unverified public record listed below is still reporting on my Equifax credit report in violation of federal law. I'm telling you once again that I did not file for bankruptcy. This is an attorney error. I had a consultation with a bankruptcy attorney but declined to move forward. The attorney filed without my authorization or expressed permission. I was told this was resolved and then found a bankruptcy on my credit report! I never filed. I never went through bankruptcy. Please remove them immediately. 

XXXX XXXX Bankruptcy Date Filed/Reported XXXX XXXX Reference # XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported XXXX XXXX Reference # XXXX XXXX
Complaint sub-issue: Debt is not yours

this debt was in my business name it was not a consumer debt. But they put it on my consumer credit report. I was told that once collection was paid they would delete it. They lied. Under 15 USC 1692 FDCPA it is illegal for a debt collector to lie to a consumer.
Complaint sub-issue: Information belongs to someone else

i received a copy of my credit report and noticed there is information reporting that i have no relation to. My information has been exposed in a data breach and has been misused without my permission. I have contacted my attorney who plans to assist me in this matter shall these items not be removed from my credit report. Under fcra 605b, fcra 609e, this information must be permanently deleted from my credit report within 4 business days of receipt of this information. I will be following up with each agency to ensure that this matter is taking care of promptly. Please add a extended fraud alert to my credit profile and contact me before opening any accounts XXXX the following accounts are accounts that have no relation to me : XXXX XXXX # XXXX {$440.00}, XXXX XXXX # XXXX {$390.00}, XXXX XXXX # XXXX {$51.00}, XXXX # XXXX {$110.00}, collection account # XXXX {$17.00}, XXXX XXXX # XXXX {$1000.00}, XXXX XXXX # XXXX {$320.00},
Complaint sub-issue: Their investigation did not fix an error on your report

I been reporting to XXXX, Equifax and XXXX  for months that a third party is reporting wrong information to them about a cancelled and close account they bought off an original creditor. The third party company is XXXX XXXX XXXX dont have no business with the third party and the account they bought was cancelled and closed due to the product being defective as a result the original account is closed. They are violating my rights by continuing to report a cancelled account as open from a third party when it is clearly closed. It was verified and they will not remove it. I dont owe any balances to this collection agency I have no business with them neither do I know who they are besides an agency trying to ruin my credibility.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/XXXX I ran a credit report from the 3 reporting agencies While XXXX and Equifax scores were above XXXX, the Equifax score was XXXX. The only difference I can see is an account reported in collection for {$1100.00} which ( on the accounts details section ) has no information about the " original creditor '' or the " company sold to ''. This account is simply listed as a " XXXX XXXX ''. I do not know what this is about and have had no luck disputing this with Equifax. I believe this is some predatory collection agency trying to sabotage my credit history on some bogus medical charge. The Account is listed as closed and recently updated on XX/XX/XXXX. A full copy of my credit report including the account details of this mystery debt ( first page ) has been uploaded.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit bureaus use that E Oscar application.. which in reality they're not really validating anything they're not doing anything at all I recently submitted very regular disputes for account updates they came back as not updated when I in fact had my online accounts open and current one company even went back as far as XXXX never bothering to update anything for XXXX I've provided proof and photo shots of my accounts
Complaint sub-issue: Information belongs to someone else

Discover bank is reporting wrongful information regarding a debt that allegedly belongs to me. Ive sent my identity theft report and dispute letters via mail, to no avail. They continue sending me computer-generated answers and statements, instead of removing it. 

The FTC clearly states that If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt. FCRA 623 ( a ) ( 6 ) ( B ) yet Discover continued violating my rights as a consumer to fair and accurate credit reporting. This discrimination and negligence has been going on for YEARS.
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

I was promised verbally, bc VW refused to agree in writing, that I would be able to reinstate my lease after payment. They did not honor that promise. My car was then repossessed on XXXX/XXXX/XXXX & the vehicle contained my work equipment etc. When I went to retrieve my belongings, I was told I had to pay {$150.00} to retrieve them, which I had to pay, in cash. Some belongings were also not listed & missing from inventory list. I was told by the repo company that this was VW policy & the law. I contacted VW, who  never responded. Then on XXXX/XXXX/XXXX I received a letter from VW credit that I owe XXXX, there was no detail breakdown included, & I was told that I would owe the remaining payments, along with repo fees etc. My remaining payments were possibly 6 payments, I ca n't get a hold of anyone who will talk to me about my lease, so I do n't have the exact information. My payments were approximately {$570.00}, so I am not sure why I owe so much. I believe my rights were violated by VW financial. Now they are threatening collection activity and have not responded to my written objection dated XXXX/XXXX/XXXX.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021, I sent a letter and file a CFPB to dispute the negative accounts and Hard inquiry. Shortly after Filing, I was denied a car loan and apartment because of your failure to report with my written consent. I was able to sleep on my friends couch, but suffered a financial injury in the process. 
As a direct result of the Failure of reporting without my writing consent, I paid the necessary credit repair work. I enclose a copy of their invoice. 
In addition, as a direct result of the Failure, I was without an apartment and had to sleep on my friend couch till to this day and XXXX to stay shelter. I enclose a copy of an invoice for the XXXX cost of {$500.00}. 
In a recent phone conversation, you claimed that the Failure of reporting without my consent wasn't the result of your negligence and would have happened anyway. You also claimed that, even still I have not written an consent the items on my reports are verified, I should contact the creditors and lied about my debt being sold. 
As to the first issue, XXXX XXXX XXXX Of XXXX XXXX is prepared to testify in court that the negative items and hard inquiries reporting on my credit report without my writing consent. 
Second, I had no obligation to file another dispute to further resolve. I had the damage you caused and am prepared to prove this In court. 
As settlement of all claims related to this matter, please send me a check or money order for {$5000.00} on or before XX/XX/XXXX. This amount apartments denial, and fair compensation for my inconvenience and the discomfort brought on by my injuries. If I don't receive payment by that date, I intend to discuss this matter with a personal injury lawyer, and explore all my options for getting fair compensation. 
You may reach me during the day at XXXX in the evenings until XXXX  XXXX 
Sincerely, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XX/XX/XXXX {$2200.00} XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$100.00}
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020, Jefferson Capital System add a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditors did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate a debt and anybody can send a bill and say it's mine. According to the FCRA, Jefferson Capital System has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Complaint sub-issue: Debt is not yours

I received collection letter on XX/XX/2020. 
I sent the Debt Collection Validation Request letter back on XX/XX/2020 which is within the 30 days response time frame. 
I did not receive any response from MRS BPO , LLC They are trying to collect the debt that is not mine. I do not owe this debt. 
I asked them via letter to provide me with the evidences that the debt is mine, but I did not receive anything back. 
And now, collection is appeared on my credit report and my almost perfect score was damaged by wrongfully claimed debt of mine. Amount is only {$94.00} but I do not owe them anything. 
Because of this false attempt of collecting debt is hurting my credit score.
Complaint sub-issue: Investigation took more than 30 days

Hello, I sent out some disputed letters on XXXX. It's been well over 60 days.
Complaint sub-issue: Investigation took more than 30 days

I have spent too much time trying to get an answer from the credit bureaus for the letters I have sent and they have not answered me. I need to remove everything negative from my credit
Complaint sub-issue: Information belongs to someone else

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO VALIDATE THE STATED ACCOUNTS AND INQUIRIES, THE PURPOSE IS TO ENSURE THE ALLEDGED ACCOUNTS ARE PERMANENTLY REMOVED FROM MY CONSUMER REPORTS. THESE ACCOUNTS WERE OPEN WITHOUT MY PERMISSION AND PURSUANT TO FCRA 605B ( 15 USC 1681C-2 ), THESE ACCOUNTS ARE IN VIOLATION OF IDENTITY THEFT AND FRAUD AND MUST BE BLOCKED IN DELETED WITHIN 4 BUSINESS DAYS OF RECEIPT.
Complaint sub-issue: Told you not to respond to a lawsuit they filed against you

I moved into the apartment in XX/XX/2019 I had an all electric apartment the lights would flicker on and off fridge wouldnt get cold heat didnt work I report it numerous times to leasing office and management still no help my XXXX XXXX XXXX daughter got sick and my mom passed away I went to my home city for a few days came back I still wasnt fix but I paid rent for XXXX I asked if I could be reimbursed for my spoiled groceries they told me no and the company didnt come fix the problem until XXXX at this point I wanted to break my lease because the apartment wasnt in living condition I was told that I couldnt nor move to a different unit I still have all the emails, work orders as well a shown payments for the months I lived in apartment.. I was told they would contact the property manager and let me know and never gotten back to me no phone call or email..
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2020 and XX/XX/2020, I the consumer sent Child Support Services Division notices of ESTOPPEL AND STIPULATION OF CONSTITUTIONAL CHALLENGE to all WASHINGTON , DISTRICT OF COLUMBIA AND STATE OF STATE STATUTES WHERE No general law affecting private rights, shall be varied in any particular case by special legislation, except with the free consent, in writing of all persons to be affected thereby.

I the consumer haven't heard nor been notified in verbal or writing that I the consumer is responsible for this alleged debt. Pursuant to title 15 usc 1692g Validation of debt, there's 5 requirements Child Support Services must provide according to federal law. that's a violation of the FDCPA. Pursuant to title 1

5 usc 1692c ( a ) -communication in connection with debt collection : without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of ANY debt. That's Another Violation of the FDCPA.

Pursuant to title 15 usc 1692a ( 2 ) The term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through ANY MEDIUM. Communicating about an alleged debt through my Consumer Report is violation of the FDCPA, that's communicating with I the consumer through a MEDIUM and ( Equifax ) is in serious violation also. Here 's Violation of the FCRA as well : ( 1 ), 15 usc 1681 ( a ) 4 ( b ) -Accuracy and fairness of credit reporting ( 2 ), 15 usc 1681a ( 1 ) - Consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, and mode of living was impacted.

( 3 ), 15 usc 1681b ( a ) ( 1 ) ( 2 ) -Permissible purposes of consumer reports. I the consumer never gave pre-Authorization nor prior permission to furnish any of the information on my credit report.

Each violation under the FCRA and FDCPA is {$1000.00} each violation. I demand these accounts be deleted Immediately or I will file for litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under title ( 15 usc 1681n and title 15 usc 1681o ) regarding the continued willful and negligent noncompliance.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On  XXXX / XXXX /  XXXX   I pursed some product from  XXXX . I never received an invoice for this transaction for my records. I was then charged on my credit card. However, I believe the charges to be incorrect. I am unable to verify because  XXXX  refuses to provide me an actual invoice from the transaction. I believe that is because they know they over charged me and are trying to steal my money. I dispute this charge with Discover and requested an actual invoice. I received a typed letter from  XXXX , NOT AN INVOICE. I could type up a letter and have a read anything that I want. I will need to see an actual invoice form their system to prove this amount.     If they would have just emailed or mailed me an invoice in the first place, this could be easily have been resolved. That is why I believe this company is trying to cheat customers.