Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem using a debit or ATM card

In XX/XX/2017 I relocated from XXXX to XXXX and as a result needed to close my Commerce Bank checking account. I contacted their call center and advised of my move. The representative informed me that she would notate the account, but since my account had a small balance, I would have to contact the local branch to get arrangements for a check to be sent. I was given a phone number and called multiple times leaving voicemails. 

The following XX/XX/XXXX, I checked my account online to ensure it was closed as I was never contacted back. I noticed two fraudulent charges on my account. I immediately contacted Commerce Bank and reported the fraud. I was told by the call center that because my account was closed, I would need to contact the local branch. I was again given a phone number to a local branch, called the number and left voicemails as no one would answer. I was never contacted back. 

Additionally, I emailed Commerce Bank and reported the fraud on my account. I was given different phone numbers to call. I tried these numbers with the same result. I was informed that my information was sent to the local branch for them to contact me. I was never contacted. 

A week ago, I advised Commerce Bank that if the issue was not resolved in one week I would be filing a complaint. This time my information was forwarded to the local branch. The branch manager called me while I was at work and left a message. I have called her number 3 times, left voicemails, and advised of specific times I can be contacted to avoid issues during my work hours. Each time I miss a call from Commerce and return the call, it goes straight to voicemail and we have still not been in contact. 

This issue has gone on far too long at this point. This is a Regulation E violation as my report of fraudulent debit should have been investigated within 10 days. I have copies of all emails I have sent along with phone longs documenting the numerous times I have contacted Commerce Bank.
Complaint sub-issue: Debt is not yours

JEFFERSON CAPITAL SYSTEMS LLC. licensed out of Minnesota with a phone number of XXXX ( XXXX ) XXXX ; - continuosly violates CFR 31 1.32 after i have repeatedly explained the regulation ; - refuses to provide proof of claim ; - refuses to accept my tender of payment ; and- refuses to close and settle the account. 
Note : All over the phone -- all calls are recorded by both parties. 
I would like to send written notice but they refuse to provide the account details so that i might notate the account for settlement and closure. 

Account Details to the best of my present knowledge : name : XXXX XXXX DOB : XX/XX/1992 Adress : XXXX XXXX XXXX XXXX, Colorado XXXX In-short ; they sure seem to be demanding a lot but cant provide anything in return. 

Finally, it would appear that this debt collector, as per the XXXX profile associated with my person, has in-fact purchased this debt. Therfore i am no longer party to this contract. 

[ *NOTICE* You, JEFFERSON CAPITAL SYSTEMS LLC. , have 30  days from the date of this complaint to either ; 1 ) Provide lawful Proof of Claim to my address as you have on file via certified mail ; and/or 2 ) Pay to and for the account of The United States as per 12 USC 95a ( 2 ) and/or 50 USC 4305b ( 2 ) as the obligations rest within 18 USC 8 ; else you agree to settle and close the account in full within the above alotted 30 days. 


w/o respect, XXXX XXXX XXXX ( signed ) XXXX ( sealed ) w/o recourse ( delivered ) ]
Complaint sub-issue: Deposits and withdrawals

Funds are suppose to be able to be released into account and cash app is not allowing funds to be distributed.
Complaint sub-issue: Personal information incorrect

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE NAME XXXX DO NOT BELONG TO ME XXXX XXXX XXXX XXXX  XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Complaint sub-issue: Investigation took more than 30 days

Credit bureaus are taking longer than they are required to investigate disputes. According to the FCRA the bureaus have 30 days to investigate disputes.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

-I purchased item on XX/XX/XXXX from XXXX. 
-Seller shipped wrong specification of item, and I notified seller that I would not accept the delivery if seller did not cancel order -Item was still delivered to XXXX, CO, USA via XXXX via tracking # XXXX -Item was signed for via neighbor without permission, at fault of shipper XXXX  ( please see emails from XXXX on XX/XX/XXXX, alongside voicemail transcripts ) -Given this, shipping service picked up package from neighbor, and returned to seller. 

To summarize : this is an item that I am not currently, nor ever have been in possession of item. 

This billing dispute has been reverse/and re-opened several times since initially opened in XX/XX/2020, and have spoken to CITI multiple times per week ( alongside supplying all documentation from shipper that item was XXXX ) however they have not made any further assistance on billing dispute, and feel as though CITI is not doing due diligence on resolving charge
Complaint sub-issue: Reporting company used your report improperly

I did not consent to authorize nor benefit from these accounts.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, GA XXXX has been sending me collection notices in the amount of {$6500.00} the collection has been reported as pas due balance. I do not know this company. I have never done business with this company. This company does not have any contract with my signature. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.SC.C 1681B ( A ) ( 2 ) - No consent is identity theft
Complaint sub-issue: Debt was paid

I attempted to resolve the debt with ERC on XXXX in the amount of {$49.00}, charges were paid to remove this account from all credit bureaus and not collect any more fees. Its still effecting my credit please remove this account from my credit.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect late payments as well as unverified charge-offs with the bureaus since XX/XX/XXXX. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. And now, here it is XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this 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 us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 21 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C 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. 

XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX Employer : XXXX XXXX Inquiries : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Name : XXXX A XXXX XXXX Employer : XXXXXXXX XXXX XXXXXXXX XXXX XXXX KS XXXX Addresses : XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiries : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Collecons : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Addresses : XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX FL XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiry : XXXX XX/XX/XXXX
Complaint sub-issue: Other problem getting your report or credit score

I know I have no credit at all but was not told that I would have to give credit companies sensitive information like social security card just to access my own credit report and allow access to an apartment complex Im trying to rent from. The complex cant even get past step one of background/ credit so now Im having to reapply because of credit card companies
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ALSO, I am a victim of ID Theft which I can provide a police report to show this account is not mine
Complaint sub-issue: Was not notified of investigation status or results

I have not received notice about this debt its been well over 30 days i sent in paperwork XX/XX/XXXX its now XXXX of XXXX never received anything. This account is still negatively reporting.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX : {$28000.00} ; XXXX XXXX Balance : {$35000.00}
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 I received a correspondence from XXXX XXXX stating my credit card application was declined. I called XXXX immediately and advised them I never applied for a credit card. I asked XXXX when and how the application was actually submitted, but they could not or would not provide me with this information. I asked XXXX if there was a possibility that they transposed a number on someone else 's application, mistakenly accessing my report, still XXXX declined to give me a straight answer and stated they needed to investigate the situation. I immediately requested one year fraud alerts be placed with all 3 credit reporting agencies. On XX/XX/2020 I received another correspondence from XXXX advising me that my personal information was compromised and I need to take steps to protect my identity. My expectation was that the hard inquiries were going to be removed from my credit reports, since I never authorized XXXX to pull my credit reports.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the inaccuracies of the bankruptcy reflected on my credit reports. The bureaus and Lexis Nexis alike have stated in their responses that the entries are accurate and verified. This is wholly untrue. In my initial dispute to Lexis Nexis I advised them that the entry was inaccurate and they responded that it was indeed inaccurate. In my next letter to them ( see attached ), I requested the method of verification that was utilized to report this entry on my credit reports. I inquired of the source of the information and how did they verify the details were accurate. To no avail. Lexis Nexis replied ( see attached ) with a standard reply, yet did not address nor correct the inaccuracies that are reflected among all 3 bureaus.

In my most recent communication to them ( see attached ), I questioned them on their re-investigation method. I specifically inquired as to why their company was continuing to reflect 2 different reference numbers among the 3 bureaus for the same entry. These entries are inconsistent and differ in reporting on all 3 bureaus from the filing date ( 2 different filing dates are reporting amongst the bureaus ) ; 2 different reference numbers are reporting among the bureaus ; 3 different courts are reporting among the bureaus. These entries are not 100 % accurate and must be deleted!
Complaint sub-issue: Information belongs to someone else

I am not responsible of those accounts. I am a victim of ID theft. People have use my information to open them and also make fraudulent activities on an account that is already open.
Complaint sub-issue: Account status incorrect

We refinanced our XXXX XXXX  mortgage with another bank, and XXXX XXXX  has not reported accurately to all 3 credit bureaus. Both our mortgage and heloc accounts are still showing up as " open '' even though we refinanced almost 2 moths ago. 

I called XXXX XXXX to inquire when they would report and they told me the XXXX of every month. Today is the XXXX and the only credit bureau they reported to was XXXX. XXXX and Equifax are still showing XXXX XXXX accounts as " open ''.
Complaint sub-issue: Received bad information about your loan

My XX/XX/XXXX, request to have my XXXX of XXXX and XXXX of XXXX income recertifications for the XXXX repayment plan to be disregarded has yet to be addressed by my student loan servicer MOHELA. MOHELAs response to my previous complaint with the Better Business Bureau did not address my concerns. 

I most recently submitted my annual recertification to my former loan servicer, XXXX, on XX/XX/XXXX. My current loan servicer is MOHELA. I recently discovered that I was not required to recertify my income until XXXX months after the payment pause ends, as per https : XXXX. My recertifications will result in me having to make higher payments than what would be required had I not recertified. My payments were {$270.00} when the pandemic began in XXXX of XXXX. I was led to believe that I was required to recertify my income by a letter dated XX/XX/XXXX, from XXXX. 

My XXXX of XXXX recertification resulted in an increase of monthly payments to {$270.00}, as per a XX/XX/XXXX, letter from XXXX. It is my understanding that I was not legally required to recertify my income under the XX/XX/XXXX, XXXX XXXX at the time the XX/XX/XXXX, letter was issued by XXXX. The XX/XX/XXXX, letter states in part that I am required to recertify my income annually regardless of whether I am in a deferment or forbearance notwithstanding the XX/XX/XXXX, CARES Act. 

I also received notifications through the " XXXX '' icon at the relevant times when I was logged into my dashboard on XXXX indicating that I was still required to submit my annual recertification for the XXXX plan. A letter from XXXX dated XX/XX/XXXX, indicates that my monthly payments will now be {$310.00} under the XXXX repayment plan. This letter was generated after I submitted my recertification on XX/XX/XXXX, based on the misleading language used in the XX/XX/XXXX, letter from XXXX and the bell icon notifications on studentaid.gov. 

I would have never recertified my income had I known that I was not required to do so. I have detrimentally relied on the misleading information I was provided. By recertifying my income, I have lost at least six months of payments at the {$270.00} pre-pandemic amount. That clearly calculates to {$42.00} per month, or a total loss of at least {$250.00}. XXXX XXXX informed me that it is unable to assist me inasmuch as it is no longer my loan servicer. Although MOHELA responded to the complaint I filed with the Better Business Bureau, that response ignored my request. Moreover, MOHELA has yet to respond to the XX/XX/XXXX, complaint I filed with XXXX XXXX XXXX concerning this issue. It should also be noted that I have previously sent MOHELA several emails concerning this issue. I have also reached out to MOHELA via social media to no avail.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX XXXX please remove/delete any other variations of my name : XXXX, XXXX XXXX, XXXX XXXX. I have a few fraudulent account that are on my credit file from companies that I have never done business with. I have several fraudulent addresses on my credit report never lived at the following address : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have several numbers on my file the do not belong to me please delete these unknown numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX theses are the fraudulent account that I have requested legal documentations and have yet to receive anything back, please delete the following account XXXX # XXXX, XXXX XXXX XXXX, XXXX # XXXX, XXXX # XXXX , XXXX # XXXX, XXXX XXXX  XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX