Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I have called Equifax, XXXX, and XXXX to explain they have multiple inaccuracies on my credit report, and have for 3 years been sending letters, with barely little coming off my report as deletion. Within that, I havent been able to be approved for vehicle loans, home loans, even lines of equipment for my business because my personal credit is XXXX fico - being that NONE of the companies have reported correct information when given, or anything of such. Its been 3 years and now having more information, Im doing anything and everything I can do go to court with each of them in regards of getting my life back together.
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I have several fraudulent addresses on my credit report that do not belong to me on my credit report. It is possible they belong to another XXXX XXXX that live in the XXXX Area. I have filed a compliant with FTC ID theft and XXXX Police dept. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. I have been having issues with Companies trying to garnish my wages for someone else information appearing on my credit report. Please remove the following addresses they are not mine!! XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Complaint sub-issue: Account status

The CFB has concluded an investigation with XXXX XXXX XXXX XXXX XXXX which they state that their reporting is correct, which it is n't. The supporting document was taken from my credit report on XXXX/XXXX/16 which clearly shows the account to be open with a 106 % utilization ratio, which is a major determinate in XXXX scoring. I am not disputing the bankruptcy but the fact they show the account as open, which it is not.
Complaint sub-issue: Public record

I am employed in the XXXX business, I see other people 's credit every day, I have been now over 3yrs since chapter XXXX bk and have well established my credit, have paid all accounts on time, a mortgage, a vehicle credit cards and so forth on XXXX the other day, my Equifax score dropped XXXX points!!!. I continue to be turned down for insurance, credit offers, etc, all the time because of my low credit rating, yet I consistently see others that DO NOT have the history or depth of my own and they are over XXXX, a young man the other day came in a year on the job and a collection and with a XXXX credit limit he was over XXXX. The reason I 'm being told my score is low is because of inquiries, yet how do you rebuild or build a credit profile without an inquiry? I have patiently waited and my score has remained low as I stated earlier I continue to be declined for a simple credit card because my score is low. They even refuse to remove a tax lien from XX/XX/2009 that the XXXX has removed on there end, I sent all documentation to Equifax. I feel that I am not being treated fairly and that the system is very flawed, ( I can without a doubt prove it ). I am requesting an investigation into all XXXX OF MY REPORTS THANK YOU XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

This is the second time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} ( Original Creditor : ) XXXX Balance : {$210.00} ( Original Creditor : ) XXXX Balance : {$110.00} XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I applied for an account on XX/XX/XXXX and was denied but didn't know why since I have never applied for credit. I pulled my credit reports to see what was causing me to be denied and found my dad 's name on my reports along with his addresses. I also found 2 collection accounts that do not belong to me, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  account in the amount of {$660.00} appears to have been opened in XXXX at which time I was still a minor and only XXXX XXXX XXXX. Also Account Services ( XXXX XXXX XXXX ) in the amount of {$250.00}, I am not sure when this account was opened. XXXX is listed as an employer that I have never worked for and the last 4 of my SSN is also showing incorrectly. 

I have also filed a report with identitytheft.gov
Complaint sub-issue: Card was charged for something you did not purchase with the card

My problem is with PNC Bank thats supposed to protect my card from fraud and misuse. I stayed at the XXXX XXXX XXXX in XXXX NJ, and they both overcharged my card, and put through an unauthorized charge AFTER I had already checked out. I kept calling them and promises were made for the manager to call me back but never did. 

I disputed the charge with my bank, PNC, and they declined my dispute WITHOUT EVEN CONTACTING THE MERCHANT AT ALL, NOT ONE TIME! 

I do not understand why PNC Bank would reject a complaint of an unauthorized use of my card by a Hotel AFTER I checked out! No contact of the merchant and just flat out declined the dispute. My money was just wasted because PNC did not show much interest in my case, and made no attempt to even contact the merchant.
Complaint sub-issue: Information belongs to someone else

I have multiple hard Inquiries on my credit report that are not mine or that are duplicates and should be deleted because they are violating the FCRA. I feel that I am a victim of the shotgunning of inquiries on my credit report or possibly even misplaced hard pulls on my report that do not belong to me and they need to fix my credit report. I have tried to mail both the creditors Equifax already with no results. I never authorized such actions and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please investigate such occurrences and delete the following : XX/XX/18 XXXX  : XXXX XXXX XXXX XXXX  Credit Report Hard XX/XX/18 XXXX/XXXX XXXX/XXXX Credit Report Hard XX/XX/18, XX/XX/18 XXXX/XXXX : :XXXX  XXXX  XXXX XXXX XXXX XXXX Credit Report Hard Equifax Hard XX/XX/18 XXXX   XXXX XXXX, : : XXXX XXXX  XXXX XXXX XXXX XXXX Credit Report Hard XX/XX/18 EQUIFAX XXXX  XXXX : :XXXX  XXXX XXXX XXXX Credit Report Hard XX/XX/18, XX/XX/18 FACTUAL DATA : :XXXX XXXX XXXX XXXX Credit Report Hard Equifax Hard XX/XX/18 XXXX XXXX XXXX XXXX Credit Report Hard
Complaint sub-issue: Debt was result of identity theft

My previous complaint # was XXXX My name is XXXX XXXX and I have given this company an Affidavit Of Identity theft and have informed them they are in violation of my rights by listing a fraudulent account with the credit reporting agencies. 

They are not also violating 15 U.S. Code 1692g, as only the consumer can validate a debt. I have informed this company numerous times this account is fraudulent and they continue to violate my rights. I am asking CFPB to violate this company and issue a fine in the amount of {$3000.00} for several violations they continue to commit and I also demand deletion of the fraudulent account. 

Once again, this company has not provided me with a solution to any of my complaints. I do not want a fraudulent bill history sent to me, I want this account deleted now.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2021 I purchased concert tickets that I never received from the merchant. They charged my card for the concert tickets, but never gave me my tickets. Its a total of 3 converts, in the following amounts : {$590.00}, {$59.00}, and {$350.00}. I immediately notified my card company, CITI CARDS, and opened a dispute on XX/XX/2021. They issued me a temporary credit and I didnt hear back from them until XX/XX/2021 ( almost two months later ) saying the merchant responded and I was responsible. They didnt tell me what the merchant said as to why I was responsible. I called in, and CITI CARDS asked me to sign and return a document with a written statement as to why I should not be found responsible so they can go back to the merchant. I did that, and a couple days later they denied my claim again. I called back in, and they asked me for an email updating them letting them know that at this point, over 2 months later, the concerts have passed and I never received my tickets nor attended the concerts. I did as they asked, and today I got another notification that my claim was still being denied. I called in and they said that the merchant is asking for proof that I requested a cancellation. I called the merchant several times, and they were unresponsive. I didnt email them because they are in a different country and I didnt feel comfortable emailing a foreign email address. They asked me for my phone records. I am trying to find those, but they want to pin this on me because I didnt email them or have any paper trail. The reason why I dont is because I notified my card company, CITI CARDS, the people who are denying my claim, immediately when I knew I was receiving what I paid for and because they didnt get back to me for almost two months, thats why I dont have any paper trail. They never communicated to me that I should have been reaching out to the merchant via email, or whatever other method, to continue to request cancellation. The times I tried, they did not answer my calls, so I thought the safest thing to do was to notify my card Company. Now it seems like that was a mistake because they are taking sides with the merchant and stressing me out because I can not get my money back. I told them the concerts already happened, and I never received my tickets. Why dont they ask the merchant for proof that I received the tickets instead? That way they can see that the merchant doesnt have that proof because I NEVER received my tickets. Instead of harassing me and making me feel like Im the fraudulent person in the transaction. I have cooperated with them all along hoping they will protect me and my money, their customer. Instead they are siding with the merchant in making me feel like I am in the wrong when they had me mislead by allowing the merchant almost 2 months to answer and still come back only to request paper trail. I resorted to the people I thought I can trust, my credit card company CITI CARDS, and they have failed me greatly up until this point. Please help me in getting them to stand up for me, their customer.
Complaint sub-issue: Information belongs to someone else

Tek Collect XXXX. XXXX XXXX XXXX Oh XXXX Is reporting a {$240.00} account on all 3 credit reports XXXX XXXX XXXX XXXX I have never had an account with this company violation of the FDCPA
Complaint sub-issue: Funds not received from closed account

My citi account was flagged for closure around XXXX because one of the transfers from another one of my checking accounts ( from XXXX ) didn't go through successfully had to be reversed. I was told I would receive a check in the mail with the remaining funds ( {$22000.00} ) in the account ( funds that I deposited from other accounts of my own ). I couldn't transfer these funds out of the account because it was locked. It's been 6 month 's now and I never received a check. 

One customer service representative also suggested opening a Citi account so I could transfer the funds from the locked/closed account into it because I wasn't getting a check. After I opened a new account and called back, another representative said that I actually couldn't do this and to wait for the check to come again in two months time. 

I've called Citi 10+ times now throughout the course of these 6 months and today ( XX/XX/2021 ) after calling again because I still haven't received a check, they told me that the account was closed and that I don't have any funds that will be sent to me - essentially telling me that they're not going to give me the {$22000.00} back. They have also seemed to closed down my online access to any Citi accounts that I have recently, which is lovely of them too do so.
Complaint sub-issue: Deposits and withdrawals

I opened a Business Account with Comerica Bank back in XXXX of XXXX. At that time I indicated that I need to come back to bring in the XXXX from the State to open the account as an LLC. The next day I took in the XXXX information to the branch manager and she never processed nor contact me to tell me to let me know that she needed more information to change the account type to an LLC account and not a XXXX. 

On XX/XX/2022 a customer sent a wire to my business account to purchase 8 pairs of shoes from my wholesale distributor. My sales manager is my husband and he brokered the sale. The funds were sent to my account to ensure my husband received the funds because the buyer was not comfortable sending the wire to XXXX XXXX. I went into the Comerica Branch on XXXX XXXX and they immediately asked was my husband real person because he lived in XXXX and that was where I wanted to wire the funds to purchase the shoes for the customer and have them ship the shoes to the man in XXXX. The lady at the branch went and got another manager and she basically accused me of fruad and I said I am aware of any fraud and I contacted my husband and he called the customer to find out why the wire was flagged. The customer said he was not sure why and he would contact his branch find out and he sent my husband a message saying the wire was sent and should be released. The bank did not listen to me or my husband. They basically froze all my accounts business and personal for two weeks. I have been without money and not access to my regular paycheck nor my funds from my other customer. 
Since that time I spoke with the banks fraud dept and was told they needed an invoice and other documents to prove this was a sale and not fraud. I provided the bank with everything they asked for yet they still did unfreeze my account. 

I am asking for them to no only send the funds back to the customer if the money wire was fraud and allow me to continue to run my business and have access to my funds. 
As of today the bank has charged me in access of {$600.00} plus dollars in fees and still have yet to release my other funds from my business to pay my bills on the business and pay myself. 
The banking representatives saw that I was an XXXX XXXX american with a XXXX  husband and has basically profiled us and stopped us from earning our living. They also have held up funds and treating me and my business unfairly based upon their banking guidelines. 

I am not a criminal but a US citizen trying to have a small business in America.
Complaint sub-issue: Other problem

My credit limit was lowered by {$150.00} because the minimum payment for  XXXX  was not  paid on time. I have since paid it, and I 'll admit that it 's about two weeks late. However, I do n't think I should be penalized in this way because my payment was two weeks late. I have had this best buy card for 9 years and I have never gone over the limit or missed a payment. But, the continuously lower my credit limit, diminishing my credit score. This is not fair and it shows that the company has little interest in helping consumers strengthen their credit profile. What it does suggest is that the company is actively engaging in practices that minimize a consumer 's credit profile. As a result of this change, my debt to credit ratio will be impacted, further driving my credit score down. I have worked hard to pay my bills on time and despite how Best Buy is treating me I continue to patronize the company. But, this type of behavior is telling me business is not appreciated and maybe I should take it elsewhere.
Complaint sub-issue: Debt is not mine

This. company Tek-Collect, Inc appears on my credit report for {$620.00}. This debt does not belong to me - I have been XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

QWR Notice of Error in response to letter dated XX/XX/XXXX In XXXX had to file a Chapter XXXX Bankruptcy case XXXX. On XX/XX/XXXX I entered and signed an agreement with XXXX XXXX XXXX XXXX to reduce the amount of my loan on by {$51000.00} to {$25000.00}. This agreement was filed on XX/XX/XXXX and entered into the Federal Bankruptcy court on XX/XX/XXXX Docket XXXX. Seterus failed to placed the {$51000.00} in the class 7 claims and by not doing so was discharged at the confirmation of the plan. Seterus failed to adjust the loan to match docket XXXX asking for discharged debt on my monthly statements as " Interest Arrearage '' and in a payoffs. Seterus did adjust the loan on XX/XX/XXXX only after Seterus had violated the bankruptcy code and FDCPA. Seterus during the bankruptcy stay placed forced place insurance on the loan raising the monthly payment not to comply with Docket XXXX when in fact the property insurance was up to date and on file with the Bankruptcy court and only needed to be petitioned. Serterus in XXXX paid off a 3 year confirmed bankruptcy tax plan that per the confirmed plan under Class 5 ; Claims for Real Estate Taxes the plan states that the payments were to be made according to the agreed tax payment plan between the debtor and treasure. Seterus did not let this happen paid them off and then demanded the amount in full.
Complaint sub-issue: Seized or attempted to seize your property

Hello, On Friday, XX/XX/XXXX I received a voicemail message regarding a pending collection. I returned the call and was told by a man by the name of XXXX XXXX that I had an outstanding credit card balance from XX/XX/XXXX with CITIBANK and the statutes of limitations runs out in XX/XX/XXXX. He was calling as a courtesy to help me settle the debt before I got sued. He proceeded to ask me if I had been served papers yet. When I responded no he went in to negotiations. He said the debt was {$15000.00} but he would settle for 50 %. When I explained I didnt have that kind of money he began to threaten me and some of my assets, being 2 car loans. He even knew the 2nd person on one of my loans. He threatened to put a judgment on my house also. This was very frightening and I began to try to figure out what to do. He agreed to a settlement amount of {$2000.00} and gave me 1 hour to  come up with the money. He put me on hold pretending to speak to a manager to approve the {$2000.00}. He then insisted on a debit/credit card number to hold the file open and said it would not be charged until I called back within the hour to let him know the funds were there. 

As crazy as all this sounds, I went through a divorce in XX/XX/XXXX and was left with a lot of debt that I slowly worked through. I really wasnt clear if I had this debt. After speaking to my significant other, I called CITIBANK and was assured that there was no outstanding balance, the account had not been sold and I made my last payment to them of {$1000.00} in XX/XX/XXXX. I tried to confirm the credit card number that XXXX XXXX referenced and Citibank had no record of me having a card with that number. CITIBANK is sending me a letter of good standings. I began to do some research on the company XXXX ( XXXX XXXX XXXX XXXX ) and found XXXX had several fraudulent complaints. When I called several of the numbers back for XXXX   and got different people I began to ask questions regarding address and such. They would not provide me with anything other than an address which I found out is in a XXXX store. XXXX XXXX then called back and left a message that my account and phone number had been flagged because all my calls and they were opening my file again and going to proceed. He said he would contact my employer ( and stated employer name ) or wage garnishment. When I called back to remove any consent or debit to my account he was very nasty and said I cant wait to see you in court. 

I feel very stuck, because I believe all this to be fake, but his threats seemed very real. How do I proceed from here? Is there anything I can do to clarify real vs fake or how they got all my personal information? Below I will list all the numbers and addresses I have for them. Please advise moving forward. I appreciate your prompt attention to this delicate matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Ext XXXX ( hangs up on this line when you press ext. ) XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX from XX/XX/XXXX + XXXX. 
XXXX XXXX from XX/XX/XXXX + XXXX. 
XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX  XXXX XXXX  from XX/XX/XXXX + Bank XXXX  Inquiry from XX/XX/XXXX + XXXX  XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX  XXXX XXXX  from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank previously sent ftc violatons
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 the accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX : {$36000.00} ; XXXX XXXX XXXX : {$36000.00}.
Complaint sub-issue: Account status incorrect

I recently reviewed my credit reports and became aware that XXXX reported late payments that I don't recall ever being late. I have had this card since XXXX and it has always been in good standings. The following are the dates that XXXX are reporting late payments that are having a direct impact on my credit score & credit worthiness. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I have requested XXXX proof that the alleged late payments are correct and as of this date XXXX has been unable to provide me the information I'm requesting. 

On XX/XX/XXXX EQUIFAX responded to my complaint on the CFPB portal stating they will not provide an answer because the believe it was a credit repair company talking on my behalf. 

I AM NOT A CREDIT REPAIR COMPANY OR IS ANY CREDIT REPAIR COMPANY REPRESENTING ME REGARDING THIS MATTER. I FILED THIS COMPLAINT ON MY OWN WITH THE HELP OR GUIDANCE OF NO ONE. TAKE THIS AS MY FORMAL WARNING TO YOU. IF EQUIFAX CANT PROVIDE PHYSICAL PROOF OF AN INVESTIGATION TO ME REGARDING MY COMPLAINT, THE NAME & PHONE NUMBER OF THE INDIVIDUAL EQUIFAX SPOKE TO AT XXXX TO CONFIRM THE ACCURACY OF THE REPORTING, & DATE/TIME I WILL FILE A LAWSUIT VERSUS EQUIFAX IN SMALL CLAIMS COURT FOR THE DENIAL OF MY RIGHTS &  FAILURE TO COMPLY WITH THE FAIR CREDIT REPORTING ACT. 

Cc : XXXX County Court House - Civil Division
Complaint sub-issue: Reporting company used your report improperly

15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigation consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained through personal interviews with neighbors, friends or associates.

My rights was violated a few times.

According to 15 U.S.C section 602 A STATES, I have the right to privacy.

According to 15 U.S.C 1681 section 604 A Section ; It also states a consumer reporting agency can not furnish a account without my written instruction.