Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

Spoke on phone with ERC on thursday XX/XX/2021 ( XXXX XXXX XXXX XXXX, FL XXXX ) via their phone number XXXX XXXX XXXX about a notice of collection. 
The bill was paid and verified. I have a reciept. I was assured this was not being reported at the time nor would it be reported on my credit report. 

I verified this by looking at my credit report. The following day, XX/XX/XXXX it was reported by them on my credit report at XXXX.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2017, Equifax announced that the data of 143 million Americans had been stolen. They have indicated that my data is likely included in this breach. ( https :  //www.equifaxsecurity2017.com/ ) The negligence here is astounding. Now, both time and money will be taken from me as I set up security freezes with the 3 major credit reporting companies in order to protect my financial future.
Complaint sub-issue: Account status incorrect

One of my 4 Parent loans went into collections without my knowledge. I thought that they were all on deferral. 

I've been trying to work with XXXX XXXX XXXX XXXX to get a reasonable payment plan. 

The only response I ever got was that they were unable to locate my account. 

Although they have failed to cooperate in any way, I continued making payments of whatever I could afford. 

I recently sent them a letter asking to negotiate the amount down to {$2500.00}. They accepted the {$2500.00} as payment in full. Now, even though they cashed the check with PAID IN FULL written all over the front AND back, they state that they will continue collections activities. 

This NEGATIVE item remians on my credit reports SEVERAL TIMES. Each one with a different status. Collection, Charge off, Transferred, closed. They are all the same loan. 

Other than this one item on my credit report, I have NEVER had a late payment and they have ruined my credit. 

I have continuously requested removal from all three agencies. It comes off and a month or two later, it's right back on.
Complaint sub-issue: Investigation took more than 30 days

XX/XX/21 - I disputed inaccurate listings in my credit reports which included an incorrect social security number ending in 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 Equifax, XXXX, and XXXX through letters I mailed to the credit bureaus. XX/XX/21 - I had not received one response from any of the 3 credit bureaus so I sent another 3 letters to each of the credit bureaus disputing the inaccurate information in my reports. XX/XX/21 - I still had not received one response from the credit bureaus so I sent another 3 dispute letters to XXXX, equifax, and XXXX. This is ridiculous! According to the law, the credit bureaus have 30 days to respond to my disputes but, it's now been over 4 months and still not one response. I want you guys to do your job and enforce the law! Please have the credit bureaus remove the inaccurate listings in my reports, including the removal of the incorrect social security number ending in XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, the 30 day late payment from XXXX  XXXX XXXX # XXXX XXXX and the 30 and 60 day late payments from XXXX XXXX XXXX # XXXX and fine the credit bureaus so they stop ignoring people who are trying to fix the mistakes that the credit bureaus have made.
Complaint sub-issue: Overdrafts and overdraft fees

XX/XX/XXXX and XX/XX/XXXX I went to bed at XXXX watched my account They then added XXXX  four times by XXXX XXXX.This happened to add with putting any notice in mail or email.Not showing me what the charges for.I had XXXX yesterday.All paid for items.Everything stated posted besides my items at XXXX  XXXX and at that time everything else was posted and paid. 


I had a talk with XXXX head offices today.They informed me that they were fully paid on the XXXX of XXXX.The fees were in turn removed by pnc today and repaid to them. And pnc added fees to my account after illegally charging me for back dated items that was already paid for.Items on XXXX still under posted.Did not get charged for those.Yet they back dated removed the item paid already and repaid them and charged me fees 4 XXXX  fees.They stated that it was already paid and should not have had any fees.They did not post anything with pnc.The charges came out XX/XX/XXXX and XXXX.They were paid in full.But told me pnc took the money back and paid it back witch gave me those fees.That should not have happen.They did not do it instead pnc did it and gave me XXXX  fees four times.They did it by pulling fully paid items and turned them negaive when they were already paid.XXXX  agrees that should be paid back or a lawsuit for illegally trying to collect fees not owed.They said pnc paid them and then pulled it back and paid again.And today was a ton of XXXX for other items that was posted as paid items that was back dated before XXXX.It was paid so why charge for items that they back dated.I notice they do this a lot.Took XXXX in XXXX  fees for XXXX worth of its that was paid.I had just got my social security today and they stole XXXX from me.And I would like my money back and for this to be investigated for fraud activity by pnc. 


Hi I need to dispute these XXXXfees.I had moneyin my account and It was not negative.I woke up to four different transaction of XXXX.I will dispute these as well with fairshake.That should not be there.XXXX Spent XXXX at XXXX XXXX and woke up to all these fees when I had money an dno notice on these fees no 24 hours went by just instantly posted XXXX  times four..I need my money back in the account .That is just not right.Instantly post that.Been watching my account very close.This is no day later it posted to add fees several times on porpose. 

I need my money back.I will be moving and I am working with a loan mortgage .And this should not be on here when it was not negative.I am contacting XXXX attorney Because I am being charged when having money in the account and everything posted.
Complaint sub-issue: Investigation took more than 30 days

The Credit bureaus assured me my account was accurately investigated. I find this hard to believe because the accounts are still reporting inaccurately. The open date is still inaccurate, The date last active is inaccurate, and the date last reported is not correct. What was the process used in the investigation into the validity of so-called accounts? I also requested an address update that's and to delete outdated addresses to no avail. This is grounds for removal. They also violated my rights under : 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 A. Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # and company name XXXX XXXX XXXX : tracking # XXXX XXXX XXXX XXXX XXXX dated : XXXX/2022 XXXX. XXXX XXXX XXXX : tracking # XXXX XXXX XXXX XXXX XXXX dated : XXXX/XXXX/2022 XXXX. XXXX XXXX XXXX : tracking # XXXX XXXX XXXX XXXX XXXX dated : XXXX/XXXX/2022 XXXX. EQUIFAX : tracking # - XXXX XXXX XXXX XXXX XXXX dated XXXX/XXXX/2022 XXXX. XXXX XXXX : tracking # XXXX XXXX XXXX XXXX XXXX dated XXXX/XXXX/2022 XXXX. XXXX XXXX : tracking # XXXX XXXX XXXX XXXX XXXX dated XXXX/XXXX/2022 XXXX. XXXX XXXX  : XXXX : dated XXXX/XXXX/2022 and XXXX : dated XXXX/XXXX/2022 ITS THE DUTY OF THE CREDIT BUREAU to report 100 % accurate information or to give a cure. I do not wish to be part of any fraud
Complaint sub-issue: Company closed your account

I received a letter about a debt that I owed in XX/XX/2008 in the amount of {$280.00}. This debt has been satisfied
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is in violation of FCRA. See attached signed complaint.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX  LAST SS # XXXX Whom It May Concern : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account, thus the debt is not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 
In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX OPENED XXXX XXXX {$910.00} XXXX XXXX XXXX OPENED XXXX XXXX {$61.00} XXXX XXXX XXXX OPENED XXXX XXXX {$48.00} XXXX XXXX XXXX {$1100.00} I have enclosed a copy of the Federal Trade Commissions Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform [ business where the account was opened ] that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Complaint sub-issue: Funds not received from closed account

Hello, I am in need of assistance with an issue my husband and I are experiencing with Citibank. On XX/XX/XXXX, I attempted to use my debit card and it did not work. I contacted Citibank and was informed that they had blocked my account and scheduled it to be closed due to a check that was deposited that bounced. At no time was my account in a negative balance due to this check. My husbands direct deposit of {$4100.00} was also deposited and we were not able to access it. Ive spoken to Citibank several times and it seems that our account is in limbo. We are not getting any resolution and we are unable to access several thousands of dollars that we need to pay our mortgage, car payments, and to feed our XXXX young children. Citibank has advised me that the only way we can get our funds is by visiting a branch or wait for a check. Ive explained to Citibank that there is not a branch in the state of Arizona where we live and that not having access to our money is causing a great financial hardship on our family. I cant get anywhere with Citibank. In the mean time, my family is suffering financially and the stress that this issue has caused is unbearable. Ive asked Citibank to either close the account and send us our funds ASAP or make the funds available for us to use through a debit card, online bank transfer or cashing a check from this account. When I call, I get different people and none of them seem to know what to do. This is just unethical and terrible.
Complaint sub-issue: Information belongs to someone else

I do not have an account with this company : XXXX XXXX XXXX XXXX. I want it removed from my credit report.
Complaint sub-issue: Personal information incorrect

To Who m It May Concer n   XXXX   XXXX    XXXX   XXXX   XXXX , CA  XXXX    XXXX   XXXX    XXXX   XXXX   XXXX , TX  XXXX  Equifax  XXXX .   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX ,  XXXX    SOC #    XXXX  DOB  XXXX / XXXX / XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  To Who m It May Conce rn : This letter is a formal request to correct inaccurate information contained in my C redit Reports. The item ( s ) listed   below are as follow : Have enclosed a  XXXX  bills ***PLEASE UPDATE MY C URENT ADRESS  ADDRESS :  XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX  FL  XXXX  BEEN LIVING THERE SINCE  XXXX / XXXX / XXXX  THESE ADRESSES ARE MY OLD ADRESS :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   FL    XXXX  Old number and is no longer mine :  XXXX  *****MY CORECT NUMBER  XXXX  CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance w ith 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, pursuan t 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 qu estion, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as require d by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to compl y 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 copy my state issued ID and a paystub statement with my Name and current address.      XXXX ,  XXXX   SOC #   XXXX  DOB  XXXX / XXXX / XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX
Complaint sub-issue: Information is not mine

there are several acoounts to whichi have no ideazn of the balance or company name
Complaint sub-issue: Information belongs to someone else

I Have been disputing this account named XXXX XXXX for some months now, i inform all the credit bureaus that the account don't belong to me and that it was a result of identity theft but they keep update the account instead of removing it from my report.
Complaint sub-issue: Debt is not yours

On XX/XX/2016, this debt for {$1500.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the  right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all  unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Complaint sub-issue: Reporting company used your report improperly

Pursuant to 15 USC 1666b A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In accordance with the Fair Credit Reporting act XXXX  account # 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 consent. Equifax Information Services LLC was not given any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. XXXX is reporting unauthorized inquiries on my CONSUMER REPORT. Equifax Information Services LLC is in DIRECT violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. There are several errors now listed on a updated credit report as of XX/XX/2022. ENCLOSED IN THE LEGAL DOCUMENT SENT TO Equifax Information Services LLC WERE SENT A COPY OF MY ID ( DRIVERS LICENSE ), AND A UTILITY/CABLE BILL STATEMENT FOR PROOF OF ADDRESS. Pursuant to 15 USC 1666b A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. These concerns were disputed on XX/XX/2022 and have not been removed. The dispute was sent certified mail with return to sender. There are several errors now listed on a updated credit report as of XX/XX/2022. Equifax Information Services LLC has caused severe stress and XXXX  due to the abusive and unfair practices.
Complaint sub-issue: Personal information incorrect

Downloaded my credit report from Equifax on   XXXX  . Noticed the name was incorrect - all credit reporting info WAS correct. The name on the report was that of my daughter BUT it used her maiden name rather than married. The last time I checked my report was in   XXXX   and there were no issues at that time. My daughter, with her name changed to that of her husband, has been married 11 years - longer than the last report. I am working with Equifax to restore MY name to MY report - so far, no issues other than time. But I am concerned about the name change without any apparent rationale.
Complaint sub-issue: Can't close your account

XX/XX/2022, mailed signed letter requesting to close account ending in XXXX. 
XX/XX/2022, received letter from bank indicating a maintenance fee was charged ( {$7.00} ) Bank failed to close my account and now is charging me a maintenance fee.
Complaint sub-issue: Frequent or repeated calls

Allied Interstate constantly calls my home several times a day. When the call is answered no one answers on the other end no matter how many times you say hello. When the call is not answered, they leave a blank voicemail.
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 XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX 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: Account status incorrect

XXXX XXXX had charges on my account that were inaccurate. I'm not exactly sure of the dates but when I called XXXX XXXX the assured everything was corrected so at that time I closed my account. I did this on XX/XX/2018 I would like the credit companies to reflect this on my credit report.
Complaint sub-issue: Information belongs to someone else

This is my XXXX endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/2022 ; XXXX  XX/XX/2022 ; XXXX XXXX XXXX XXXXXX/XX/2022 ; XXXX ; XXXX XXXX XXXXXX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX  SHOWING AN LOAN ON MY XXXXXXXX XXXX  AND XXXX THAT IS NOT MINE
Complaint sub-issue: Can't close your account

I opened a checking and savings account with Citibank back in XXXX. As of XXXX, I didn't need the accounts anymore. 

XX/XX/2020 : The transfers to get my accounts down to a {$0.00} posted to my accounts. I started a chat session through the app requesting a closure of both accounts. The agent told me the accounts would be closed and I'd get a confirmation. 

XX/XX/2020 : When I never got the confirmation, I logged back in to check on the accounts. I could still see both accounts. The checking account said it had been closed, but the savings appeared to be open. I started another chat and the agent told me they submitted another request for the savings account to be closed. 

XX/XX/2020 : Same thing happened, I never got the closure confirmation, I checked, and the account was still open. I requested a closure, the representative told me I'd get the letter in 24 hours. 

XX/XX/2020 : When I still didn't receive confirmation, I called the customer service line. The representative said she would close the account, and that I'd get confirmation and lose access to online banking. 

XX/XX/2020 : I tried logging in to see if I'd lost access and could still log in. I called again. They said they submitted a request for the account to be closed. This representative said that sometimes accounts don't close because of interest paid to the customer being posted to the account. Since I had a {$0.00} balance they said my accounts should definitely close by Monday ( XX/XX/2020 ) and I'd get a letter in the mail no later than XX/XX/2020. 

XX/XX/2020 : I got a notification from the Citibank mobile app that {$0.00} posted to my account on XX/XX/2020. 

I have completely lost faith that these closure requests will do anything and I am concerned I'll be charged fees for my account being open for this long without maintaining the minimum balance to avoid fees.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not provide written or electronic consent to Zillow Home Loans, to authorize a Credit Hard Inquire on XX/XX/2021.