Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX, I received a call from an unknown number for which no voicemail was left. I called the number back and was informed that I owed a debt to XXXX for an amount of ~ {$130.00}. I told them that that was impossible as the XXXX bill was handled through the property management of my previous address that I moved out of in XXXX. I told them that I am disputing this and that this is not a debt that I owe. When I told them this I was told that I would need to be the one that needs to contact XXXX XXXX XXXX regarding this. That is patently false. I have not received ANY written notification regarding this debt, not have I received anything that verified this debt. T
Complaint sub-issue: Trouble with how payments are being handled

My payment amount on my XX/XX/2020 statement increased by over {$200.00} without any notice or reason from Fed Loan Servicing. I paid my usual amount and emailed Fed Loan. No response. I email them again and finally get a response which included a threat about reporting me to a credit agency for late payment of the balance of {$210.00}. Incredible! I paid my usual amount while waiting for an explanation that never came until I emailed again and they threaten me!? I have an excellent payment history on this loan and all of my other debts. This is insulting and infuriating. These people are the worst. I paid the {$210.00} just to stop them from fraudulently reporting me to a credit agency.
Complaint sub-issue: Information belongs to someone else

I have inquires on my credit that was due to fraudulent information and have sent if over 30 letters to XXXX and have not gotten any response.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2018, I opened a personal checking account online with BB & T Bank. After some complications and inability to log into my account online, I tried to call them. Each time I called the only number that I could find to reach them, I waited very long and had to give up before reaching a person. Finally on XX/XX/2018, I spoke to a customer service representative after waiting around 45 minutes. I do not remember her name. Due to a few reasons, ( one mainly being my overall experience with the bank already ) we decided that I would not keep the new account and I would get my opening deposit of {$50.00} back. I explained that I was unable to visit the local branch since I was traveling abroad very soon and would not be back to Florida in the near future. The name XXXX XXXX and phone number XXXX were given to me saying she was from my local branch and would follow through with closing my account and getting a check mailed to me. 

On XX/XX/2018 I received an account statement in the mail, indicating to me that the account was still open and I'd been charged a {$12.00} maintenance fee on XX/XX/18. 

On XX/XX/2018 I called the local branch and XXXX was out. I spoke to a man named XXXX. He tried to help me, but said I'd have to come in to the branch. I explained that I'm now in California and have no plans for returning to Florida. I asked to speak to the manager and he  told me that she, XXXX, was busy and would call me back soon. I called XXXX number 3 hours later and left a message saying that she never called me and to please get back to me. 

I never heard back from her and have not received my opening deposit back. I have no way of visiting a local branch since there are none in California. I still have no online access to the account. I attempted to take back my remaining {$38.00} by using the Debit card, but its been closed by them.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the reporting of the following accounts is in violation of my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.

Information supplied is inaccurate and incomplete. At times it even contradicts itself.
Complaint sub-issue: Information belongs to someone else

There are currently numerous credit cards listed on my credit report that I did not authorize. These accounts were not opened or initiated by me and was a result of identity theft or malpractice.
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 {$150.00}, {$6700.00}.

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 ) -- COLLECTION ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$150.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6700.00} -This is not my account.
Complaint sub-issue: Was not notified of investigation status or results

XX/XX/XXXX I mailed letters to several companys and havent seen any change it has also been pass 30 days and should be removed from my credit report Im very unset with the reporting.
Complaint sub-issue: Information belongs to someone else

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my file 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXXl XXXX Balance : {$350.00} XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/XXXX I was contacted by CU Recovery about a debt collection for the amount of {$2300.00}. On XX/XX/XXXX I sent a Cease & Desist from Collections to the company along with documents outlining several US code violations. Their continuous calls and such conduct have caused me to suffer XXXX XXXX, embarrassment, XXXX XXXX and XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

Ive been pretty consistent with paying my bills on time. Im saying this because I went XXXX XXXX the other day and applied for an account. I got approved but with a {$400.00} deposit. I didnt understand until I checked my credit report. I see some items that are not mine. These items need to be deleted from my credit report XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I am doing this on my own and I have also contacted my police here and the FTC.
Complaint sub-issue: Deposits and withdrawals

I have had a Citibank savings account for several months. I attempted to withdraw funds and was instructed that in order to do so I had to open a checking account which had fees associated with it. After I did that, I was told I could then withdraw the funds that I needed. Upon attempting to do so, I was told that I needed to call in because there was a problem with the transfer. After calling in I spent an hour on the phone being transferred around and answering questions, at the end of this process I was told the account could not be verified and the funds would not be transferred, essentially that I was not able to access my money. I was also told I could visit a branch location, most of which are closed, the nearest of which is 6 hours plus away from my home.
Complaint sub-issue: Company closed your account

While doing my taxes for XXXX I realized that I received a 1099 form from Square for {$790.00}. Attached is a picture of the form. I believe this is related to an incident in 2020 when I was getting spammed non-stop with referral bonuses on Cash App within a day or two. I didn't even withdraw a cent, and my account was shut down for fraud or whatever. I'm not sure how the referral bonuses were coming in, so that's why I didn't withdraw any of the funds. Now that I have this 1099 issued, I would have to pay taxes on that {$790.00} of reported income. I contacted Cash App support via XXXX, phone, and e-mail in the past few days. Both support on XXXX and phone said that it could only be handled through e-mail. The e-mail support was initially very responsive, but I wasn't getting any resolution. A different support agent was responding to the e-mail chain each time. The responses are very similar and clearly generated somehow. Nobody seems to grasp my issue. According to support, my account was closed on XX/XX/2020. That's about all the info I could get. They said once the account is disabled, it can't be accessed again.
Complaint sub-issue: Information belongs to someone else

Ive been fighting to rectify fraudulent activity, names, addresses, social security numbers, accounts, returned equipment to XXXX, utility bills and addresses and social security numbers belonging to my ex-husband and his ex-wife snd more since 2013 l. Ive been a victim of XXXX/ Equifaxs breach also. Their websites, phone numbers, etc are all non-functioning for me and thousands of others with the same issues. I can not access or prove my own identity or social security number! I lost my identity and want my life back! They charged my back account for unauthorized up charges for who knows what. Ive spent hours, for years, monies etc. on this. Please help me.
Complaint sub-issue: Threatened to sue on too old debt

I have made no payment on this debt since XXXX, so I believe that the debt collector, Jefferson Capital Systems LLC XXXX, MN XXXX XXXX, is in violation of the six-year MI statue of limitation on this debt. During the court session XXXX XXXX XXXX : Case No. # XXXX, on XXXX XXXX, XXXX, I attempted to explain to the judge that I believed the statue of limitations had expired on this debt. I was informed that this court proceeding was only to identify that the debt was mine. I would like the Jefferson Capital Systems LLC to stop any further court proceeding and/or any further actions for collection. Jefferson Capital Systems LLC was required to bring documentation concerning the debt, but the representation did not present any documentation for the judge.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be  forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Complaint sub-issue: Information belongs to someone else

Innovis refuses to remove fraudulent information. Innovis continues to deny my rights via fair credit reporting standards. The FTC will mount this complaint, alongside the Consumer Financial Protection Bureau and eventually fine Innovis for the violations against American Consumers it has committed. Innovis is also displaying two accounts as closed when the accounts are open. XXXX credit card and XXXX XXXX XXXX credit cards are both open. My XXXX account has disappeared from a credit report when my account is open with them as well. 

Innovis is reporting XXXX, XXXX XXXX XXXX, and XXXX XXXX/XXXX   CREDIT as legitimate accounts, when in fact they are fraudulent accounts and need to be removed. 

PDF from identitytheft.gov is enclosed. 

***Identitytheft.gov - FTC official statement has been included in this complaint*** ***Innovis has not responded to any of my disputes or requests for changes to my credit report regardless of waiting 30 days for each dispute/challenge to be completed in their respective cycle. ''
Complaint sub-issue: Problem during payment process

On XX/XX/2021 I tried to make a payment for the remaining balance on my Citibank credit card and it never went through. I used the same checking account for the payment that my auto pay was set up for and had never had a problem with that checking account for auto payments. The payment was for approximately $ XXXX and my bank account balance at that time was about $ XXXX, so the funds were available. After I realized that the payment hadn't posted I tried a second time on XX/XX/2021. When the second payment didn't go through I went into the Citibank website and deleted then reentered the payment account information thinking there was a glitch in the system. Then I tried a third time on XX/XX/2021 with the same results. I called Citibank and they said my bank wasn't letting the payment go through. I called my bank and they said nothing had gone through or been denied for any reason from Citibank and my bank statements reflect that information. After all this, I took time off of work to go to a Citibank branch and wrote a check for the balance and the check did post and I thought my account was paid off. 
Then I got another bill for {$160.00} for interest on the account for the time during which I was trying to make the online payments that didn't go through for some unknown reasons. 
My complaint it that I don't think I should have to pay this interest charge if it was an online payment problem in the Citibank system.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account # XXXX XXXX, XXXX XXXX XXXX XXXX, 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.
Complaint sub-issue: Information belongs to someone else

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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: Their investigation did not fix an error on your report

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

i have already disputed with each bureau on XX/XX/2022, but they did not remove these items. 

Sec. 602 States I have a right to privacy. 

XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Account status incorrect

I am in the process of purchasing a home. I had my credit pulled and was surprised to see a collection from ERC which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. The balance says zero and is paid.
Complaint sub-issue: Reporting company used your report improperly

I have advised of these errors previosly. I recently received a copy of my ( XXXX, Equifax, XXXX XXXX ) consumer reports, and I noticed some late payments posted on my consumer report, XXXX XXXX XXXX XXXX XXXX Closed Account 8 Late payments reporting on consumer report XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2021 XXXX is in clear violation of the law, Pursuant 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my consumer report? Furthermore the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) Exclusions from a consumer report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to section 15 USC 1681s 3 of this title, any- ( 1 ) report containing information solely as to transactions or experiences between the consumer ( me ) and the person making the report ( XXXX ) ; Delete the above late payments from my consumer report, XXXX is in violation of 15 USC 1681 I have on multiple occasions mailed supporting documentation and correspondence and not been sent validation or response to these documents and queries. I as the consumer am offering remedy to these violations and non-compliance to consumer laws. Please I ask in your capacity to get these important matters corrected immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I contacted Equifax Credit Bureau about unauthorized on my credit report and to have them removed. I was told that it was nothing they could do without additional info. I have know accounts related to these inquiries and would like them removed immediately. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2021 I sent out disputes to the bureaus pertaining to several accounts and 2 specific accounts that are just being updated but no changes. The bureaus are just updating the account as investigated but not providing any documentation pertaining to their investigation or providing their method of verification. XXXX XXXX and XXXX XXXX  show different last active dates and XXXX XXXX  have been re-aged by 5 years so if your are verifying these accounts then how in the heck are you and clear violation of the FCRA with all these inaccuracies and errors and not removing these accounts from my credit profile. Please remove these erroneous accounts from my credit profile immediately! Attached are the disputes and proof of my identity for authorization to investigate this matter.
Complaint sub-issue: Unable to open an account

I need to be able to link my PNC Bank account with XXXX.
Complaint sub-issue: Company closed your account

I recently opened this account on XX/XX/2018 and only made 4-5 transactions. Yesterday I try to log into my account to see if my daughters child support came in so I can pay my bills and only to find Citibank put a block on my account. I spoke to two representatives, first one told me he couldnt see the issue. The second one told me that he could see the block on the account and spoke to the fraud department only to tell me they are closing my account because of my tax check wasnt endorsed correctly even though they released the funds days ago and sent no warning or notice of the closing of my account. After that I asked to speak to a manager at this point she was giving me less information than the previous representative. Telling me she wont tell me why they are closing my account even though I was told it was a check I deposited. This now is causing me to pay my rent late and the rest of my utilities may be cut off. I havent even had the account for more than 3 weeks but am being told because of my recent activity being the first time I used the card to pay bills. Unprofessional. Inconvenient. And Criminal.