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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4800.00}, {$7400.00}, {$8700.00}, {$4700.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of  verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616,  and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account. 











2. CITICARDS CBNA with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -This is not my account. 


-- CLOSED ACCOUNT -- 4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account.
Complaint sub-issue: Fee problem

On XX/XX/2018 Trump signed into law exempting certain banks from CFPB regulations. On XX/XX/2018 I got my first fee ... my bank, Key Bank, began charging " maintenance service charge '' of {$18.00} each. They also charged me a " foreign transaction fee, '' and told me it was due to buying something outside the country ... which I have done many times for baking or jewelry supplies. These are fees I have not had on that checking account since opened 10 years ago and nothing has changed with my use of the account. 

Fees appeared on the following dates : XX/XX/XXXX - {$18.00} - maintenance service charge XX/XX/XXXX - {$18.00} - maintenance service charge XX/XX/XXXX - {$0.00} - foreign transaction fee XX/XX/XXXX - {$18.00} - maintenance service charge Before XX/XX/2018,
Complaint sub-issue: Reporting company used your report improperly

According to the provisions of the Fair Credit Reporting Act this creditor ( XXXX XXXX XXXX XXXX # XXXX ) has violated my rights under 15 USC 1681 Section 602 which states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) states that a Consumer Reporting Agency can not publish an account without my written instructions. The Reporting of Late Payments by this creditor is a violation of 15 USC 1666 ( b ). Pursuant to the above listed FCRA laws this account must be UPDATED to PAANL or DELETED. This account is in violation of ( 3 ) FCRA Laws resulting in inaccurate credit reporting on my consumer report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have tried to have these removed from my credit as I never spoke to this company nor authorized them to place a inquiry on my credit, I have sent them several letters and yet they still fail to remove them or show me proof of me asking or authorizing them to run my credit!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting, Act XXXX  XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX # XXXX, has violated my constitutional rights. 

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

15.U.S.C. 1681 section 604A section 2 : it also states a consumer reporting agency, can not furnish my account without my written instructions.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

My name is XXXX XXXX and I am writing this letter to complain of the constant harassment I receive from XXXXXXXX XXXX XXXX XXXX 

First, XXXX XXXX XXXX, XXXX recently sued me for this same account and the action was dismissed ( attached ). This case was dismissed by the same creditor and attorney on XX/XX/XXXX. I explained this remained unpaid due to my wife loss of employment and I had to make a decision at that time to pay for rent, food and take care of my children or pay Discover ( please see attached of my wife previous job letting her go ). 

In addition, a garnishment was recently filed in court and signed by XXXX XXXX, XXXX XXXX on XX/XX/XXXX and I was never notified by court ( attached ). However, the documentation was mailed out to me by XXXX XXXX XXXX  and the XXXX XXXXXXXX XXXX on XX/XX/XXXX and didnt actually arrive to me until XX/XX/XXXX which allowed more than two weeks to go by and not providing me with enough time to respond within a proper time frame ( attached are envelopes with postage date of mail out from XXXX XXXX and XXXXXXXX XXXX XXXX XXXX & date letter actually arrived to me ) this failure to proper notify me within a decent time frame providing me with less time to file an appropriate objection to the wage garnishment. 

As mentioned previously, I also never received notice from the court that a wage garnishment was filed in my name. I am entitled to allow sufficient time to file an answer without any malicious intent involved. 

The creditor nor the XXXX, XXXX XXXX followed proper procedure by failing to give me timely notice of the garnishment and therefore I am objecting to this garnishment. 

Moreover, I have filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX against XXXX XXXX XXXX for failing to follow proper protocol and also for providing paperwork with the wrong index number to intentionally keep me from filing my answer on time. I ask help from CFPB regarding the ongoing harassment I keep receiving from XXXX XXXX XXXX, XXXX over the years and to now for them to file a lawsuit and not properly notify me is illegal.
Complaint sub-issue: Debt is not yours

A landlord, XXXX XXXX, in XXXX, Wa, filed and served an unlawful detainer upon myself and boyfriend by posting notice on the apartment AFTER we moved out. The boyfriend was in XXXX for a XXXX XXXX charge against me at their apartment. They knew he was XXXX XXXX XXXX and accepted the notice I provided them. The month by month contract may be broken so victims can relocate to safe, affordable housing. I provided a forwarding address where they mailed me my refundable security/cleaning deposit, an address also listed on the moving notice I provided them and their rental application. 
They knowingly improperly spelled my name on the court documents. They failed to properly serve us, and two days after knowing the apartment was vacated, posted notice they knew we would never receive. 
They won an unlawful detainer and judgment against us that we learned of three years later from a debt collector XXXX XXXX aquired and again, ten years later, in XXXX, another company, 4M corporation, also in XXXX, WA, tried to collect, this time filing a property lien on us before we were able to appear in court to respond. 
They had provided lawful service and we filed response and spoke in person to 4M when we provided working court copies. 4M told us due to this new information the court date, in two days, would be stricken. But, it was n't and we appeared and they did not. The judge called the office and was told they forgot to strike the hearing.
There apparently were more filings on this case a few days later that we were NOT properly served or received. So now nothing has changed or happened to resolve this in court. The unlawfully obtained judgement has been addressed but 4M is n't doing anything to complete their action against us. How any property lien even stand when the collector wo n't appear to be disputed?
Complaint sub-issue: Reporting company used your report improperly

Equifax did not properly protect my information. Through cyberhacking, my account was compromised, according to Equifax 's Web service ( https : //www.equifaxsecurity2017.com/potential-impact/ ), as I discovered on XXXX2017. Equifax seems to be offering " one year free '' identity theft protection. Because of the nature of this breach and the information obtained by the hackers, this is a patently inadequate length of protection considering that anyone with my information can simply wait one or any umber of years before attempting to steal my identity with it. This is therefore is nothing more than a means to force victims caused by Equifax 's inadequate security, to purchase their service once it expires. My identity information was not divulged with my consent. Furthermore, as of today, XXXX2017, Equifax 's " free '' identity theft service agreement includes a provision that, unlawfully, binds the user of the service to arbitration. This shows bad faith on the part of Equifax and its managers in dealing with customers. Finally, three top executives sold large amounts of shares in their company before the news of the breach was public. This implies that they intended to enrich themselves based on this breach and the suffering of their customers.
Complaint sub-issue: Report provided to employer without your written authorization

I, XXXX XXXX never gave Equifax written consent to furnish certain information on my consumer report. Pursuant to 15 USC 1681b ( a ) ( 2 ), any information furnished has to be in accordance with the written instructions of the consumer. 

I, XXXX XXXX entered into consumer credit transactions through the approvals of extensions of credit from my credit card, which should be excluded from consumer reports pursuant to 15 USC 1681a ( 2 ) ( B ). 

This company has been notified about not having my written consent and given an opportunity to resolve the matter however stood by their decision to not make the necessary changes for a specific account. They have willfully and knowingly violated this section under the FCRA.
Complaint sub-issue: Debt was result of identity theft

My vehicle was stolen at the end of XX/XX/2022, as a result of this it was abandoned and totaled. Ive gotten a police report for auto theft, I had full coverage insurance plus XXXX insurance. Ive notified the lender ( Carmax Auto Finance ) no one helped me and my claims were denied leaving me with debt I can not afford as well as no transportation. XXXX insurance did an appraisal via email/pictures. No one physically came out to inspect my vehicle. Ive gotten a separate appraisal stating it was total as well as XXXX separate repair shops stating my car was totaled. My insurance company did want to accommodate me and Carmax told me it wasnt totaled without seeing my vehicle as well
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS HAVE BEEN OPENED BY SOMEONE WHO HAS GAINED ACCESS TO MY PERSONAL INFORMATION. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS  ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Complaint sub-issue: Information belongs to someone else

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT OF ED/XXXX XXXX XXXX XXXX XXXX  XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Hello, Today is XX/XX/2021. I am looking to fix information on my credit report which should have been taken care of along time ago. At some point someone stole my identity and used my synchrony bank credit cards. I never made these purchases. I had 2 store cards. I never signed anything or gave anyone my consent to use my credit cards. One says for the amount of {$650.00} and the other {$810.00}. The collection agency names are XXXX Rc and XXXX XXXX XXXX. In the past I have called XXXX going back over 1 year ago about the situation multiple times. I was told they would put in theft since I never authorized anything and I would not be responsible. Now I am getting the run around which is why I am coming to you guys for help. I have been told by friends under the fair credit reporting act alone of letters I sent in that this should be removed from my credit as it's been way over 45 days since my original complaints went in.
Complaint sub-issue: Reporting company used your report improperly

Equifax exposed my personal and financial info in a security breach.
Complaint sub-issue: Funds not handled or disbursed as instructed

US BANK IS REFUSING TO PROCESS DISPUTES ON MY ACCOUNT WHEN I CALL IN I AM ROUTED TO SEVERAL DIFFERENT DEPARTMENTS AND GIVEN THE RUN AROUND
Complaint sub-issue: Company closed your account

I had a checking account with US Bank, XXXX XXXX Iowa and their superiors told them to close my account on XX/XX/XXXX. The reason they said I was wasting my money on an XXXX Dating site. So I was told to find another bank, which I did. I found out today XX/XX/XXXX that my account was closed. I did not get any warning that this was going to happen and I have outstanding checks and debit card transactions. I was told two weeks ago that my account would be closed on XX/XX/XXXX. Now I will be charged with returned checks and my debit card transactions will be canceled. I was given no warning. The bank in XXXX XXXX Iowa was told by their superiors to close my account. This causes undo stress to me they had no right to change the date of XX/XX/XXXX to close my account immediately today XX/XX/XXXX I have no money and they said they sent a check to me with the balance of the funds in my account. So I will not have any money for at least 7 -10 days, because my new bank does not honor any checks until they are cleared. This is totally unfair to take this action today instead of XX/XX/XXXX.XX/XX/XXXX closing would allow me to finish my financial obligations in plenty of time. HELP! Bank routing # XXXX  account number is XXXX. I have the right to spend my money on legitimate dating sites. I am single so I should be able to spend my money as I see fit.

Respectfully, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : CBNA XXXX XXXX - XXXX  - XXXX  CITIBANKNA XXXX XXXX XXXX/XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  XXXX  XX/XX/2020 XXXX  XXXX  XXXX XXXX  XX/XX/2020 XXXX
Complaint sub-issue: Problem using a debit or ATM card

On XX/XX/XXXX around XXXX I went to the atm machine at US Bank and tried withdrawing money. I tried taking out XXXX $ and the machine said hardware malfunction and that my account would NOT reflect this transaction. Did not give me the money and my account is XXXX $ now. Called that branch and they said they are not responsible for it. This happened to 4 other people while I was there trying to resolve it. Called the bank the next day, and again they said everything is fine with the atm machine and could not help me. US Bank is taking unemployment money from people!!!
Complaint sub-issue: Card was charged for something you did not purchase with the card

First : This refers to a debit card on a Citibank checking account but your checking account form did not include " debit card fraud ''. 

On XX/XX/2019 my wallet was stolen in XXXX at approximately XXXX XXXX  XXXX time, XXXX XXXX  Eastern time. I called my banks including Citibank to notify them of the theft and was assured by all that my cards had been cancelled. 

At approximately XXXX XXXX  XXXX time, XXXX Easter time, I discovered that approximately {$2600.00} in transactions had been made on my Citibank debit card. I again called Citibank and reported this, disputing all the charges. These transactions had begun about 1 hour after my initial call to Citibank, at XXXX XXXX XXXX / XXXX XXXX  Eastern time. 

Citibank gave me a temporary credit for the fraudulent charges and said they would investigate. 

Citibank has informed me that they have decided to leave one of those charges, for {$1000.00} on my account and have debited my account for that amount. To repeat, this was a charge that occurred 1 hour after I reported my card stolen and after Citibank assured me the card was not usable.
Complaint sub-issue: Debt was result of identity theft

On or about XX/XX/XXXX someone used my social security number and or identity to call an ambulance the ambulance or the hospital never questioned identity just my social security number and now I am receiving a bell for {$1100.00} on my credit report this that is not mine
Complaint sub-issue: Information belongs to someone else

Equifax will not remove a negative " hard inquiry '' evidently made by XXXX XXXX on my credit profile. Though Equifax has provided many excuses such as " mail the company a letter '' or " wait 15 days for a free credit report '' for not deleting this obviously inaccurate entry that is the single item on my credit report that likely did not appear there by magic.
Complaint sub-issue: Account status incorrect

I had a mortgage loan from the company called XXXX ( XXXX # XXXX ) a month before it was sold to a new creditor they reported my last payment as late when it was not. I have my bank statements showing proof that the payment was made on-time and i tried reasoning with the creditor but all they responded was with that the conducted their investigation and that they will not correct the error the late payment thats reporting is from XX/XX/2022 i sent them an email on XX/XX/2022 they did not respond on when i sent a follow up email on XX/XX/2022 they responded with in minutes saying that they will not correct the error this is ridiculous and I am furious I can only imagine how many other people this has happened to.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Funds not received from closed account

I closed my business checking account with Citibank on XX/XX/21 via the phone. Citibank claims to have mailed me a check. It never came. I called Citibank to alert them. They said they would issue a replacement check. The replacement check never came. Two lost checks in the mail seems suspicious. 

After numerous phone calls, and one month later, I arranged to pick up the funds at the local branch. It was explained to me that in order for me to pick up the monies at the branch, they would have to cancel the second check ( apparently, they canceled the initial check in order to issue the second check ), in order to transfer money to the branch 's general ledger, so I could in fact pick up the monies. 

I repeatedly asked for documentation -- copies of the two canceled checks -- as of today, I have yet to receive. 

While I did finally receive my funds, two loose checks are floating around with my name on it. I would like proof -- documentation -- that those two checks were canceled. 

Citibank is a finial institution that is supposed to keep accurate records. I am not sure why they refuse to share with me proof that they mailed the two checks. Right now, they are claiming that the XXXX Postal Service lost the mail -- yet, they refuse to provide docmentiaon that the checks were ever issued. 

Please provide a copy of the canceled checks, and a copy of the actual checks.
Complaint sub-issue: Funds not received from closed account

My account was closed on XX/XX/2019. 

I have {$23000.00} in my account My funds are being held and I am told Time after Time after Time that it is being investigated for fraudulent activity. 

I call everyday inquiring about my account and I am told by the bank manager her name is XXXX that she has no further information for me and that she will call me when she has an update. I do not understand how my account and be under review and investigated since XXXX if there is money in my account that is fraudulent I do not understand why it is not returned to the sender and my money returned to me. 

This money was sent to me by family to purchase a vehicle new mobile home I have been waiting since XXXX to do this and in the meantime I go without a vehicle and live with relatives because I am not able to access my funds to do what the money is intended for. 

I am not asking for any money that does not belong to me only the money that does! I have been trying since XXXX to get my money and Citibank only keeps dragging their feet telling me that the money is under investigation under review it's always something the nation mark if there is money that is fraudulent in my account send it back to the people that sent it and just send me my money! CFPB PLEASE HELP ME!
Complaint sub-issue: Their investigation did not fix an error on your report

There is an account listed on my report with Equifax that is not mine. I have fought the account for years but it is now back. I sent through certified mail a letter to the creditor asking that the debt be verified yet again. They signed for the letter but did not provide verification of the debt within thirty days. Both XXXX and XXXX investigated the dispute and removed the account when it could not be verified through their dispute process. Equifax refuses to remove the account after two disputes including copies of the letter and the signed certified mail receipt. I called Equifax yesterday and I was hung up on twice. A supervisor told me in a dispute, they only verify name, social security number, and birth date not the validity of the debt. I told them the company couldn't verify the debt therefore it had to be removed. He told me it was so old or would fall off in two months any way. This tradeline that isn't mine is keeping me from getting a mortgage loan. Equifax refuses to listen and just keeps saying my information was verified. Yes but not that the loan was actually mine. Equifax is horrible and in control of everyone 's lives and they shouldn't be because they are incompetent. This complaint is against Equifax.