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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$420.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$13000.00}, and XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$6500.00}.
Complaint sub-issue: Attempted to collect wrong amount

Discover Card. I settled a Discover card debt with a debt collector XXXX XXXX XXXX XXXX XXXX working for Discover on XX/XX/2020. I paid via XXXX XXXX money order in the amount of {$280.00}. I need a tax form ( 1099-C ) from Discover for the settlement account with correct settlement date reflected on it. I have been in contact with Discover ; however, they issued me another one that showed againXXXX date instead of XX/XX/2020 on it.
Complaint sub-issue: Account information incorrect

Account # XXXX & Account # XXXX I have had 3 loans with XXXX. One I closed out very early, due to problems. The othe 2 loans, I always paid a few years in advance. As the loans became due again, I would ask the teller to reapply principal to the unpaid balance. Each & overtime ic came to Bank to make payment. On several occasions I would have to wait for 10/15 minutes whiles the teller called that appropriate office for this request. Teller would write a receipt and I would been my way. Tellers were also informed that I had 2 accounts as well, so there was no confusion. I had multiple withdrawal slips at the XXXX XXXX, MI Branch for withdrawal slips, staff could go into account and always keep the account current. XXXX XXXX was the manager at the XXXX XXXX Branch at the time. Afterwards there was a lady name XXXX at the XXXX XXXX Branch. I now work with XXXX at the XXXX XXXX. Branch for a little more than a year, and have had no serious problems that could not be handled within the Branch. 4 Lates on one account and on late on the other has seriously crippled my scores. They should be running in the low XXXX XXXX and these 5 later showing for {$50.00} payments is something that is not my fault. The fault lies with the tellers not knowing what they are doing and telling the customer, that they could not complete the request at this time. I explain to XXXX what I need, and if it ca n't be done at the moment that I am there. He will inform me as to when the task will be completed. Also whether I need to come back into the Bank to sign a slip. The results I am looking for are that all later are removed from both accounts. I have had 5 years of perfect pay history with the other 3 Fiancial Institution I have dealt with on Installment loans for {$170000.00} and have paid them all off as this year. These are the last 2 that I have and will retire the XXXX debt on each account the beginning of next year. Please investigate and let me know the results at your earliest convience. Thanks, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I was with XXXX auto insurance for more than 10 years. On or about XX/XX/XXXX, I switched carriers. Out of what appeared to be retaliation, XXXX suddenly reported information to Lexis Nexis that should not have been included on my report. This information included breakdown and tow truck charges from years prior that was suddenly listed in the claims section of my report. I have ( never ) been at fault for any accidents, but the " no faults '' were suddenly removed from those claims. The claims report also showed a pay out that I never received for a non fault accident that took place on XX/XX/XXXX. 
When I contacted XXXX, they would keep me on hold for more than an hour. Sometimes the representatives would even hang up without assisting me. Certain employees from the company would also give inaccurate statements to the Insurance Commissioner regarding my complaint. XXXX finally admitted fault and informed me and the commissioner that updates would be made on my Lexis Nexis report. 
I contacted Lexis Nexis numerous times. Their representatives would also hang up on me, or keep me on hold until I was forced to disconnect. Other representatives " claimed '' to not be able to identify me with the same information I had always given. It has been almost a year and I still haven't received an ( updated ) XXXX XXXX report. The agency verbally stated that changes were made but I still don't have any proof in hand that shows any corrections were made. After ten months of repeated requests, the agency is still furnishing old reports with errors.
Complaint sub-issue: Account status

This XXXX account has not been updated BY XXXX in almost 10 month, rendering it orphaned, and wholly inaccurate. 
1. The Account Balance is incorrect 2. The Last Payment Date is incorrect 3. The Last Payment Amount is Incorrect 4. The Scheduled Amount is inaccurate 5. This account has a comment - which is also inaccurate, and NOT provided by the creditor. 
" Charge, Amount in H/C column is credit limit '' " High Credit = XXXX, which is NOT True. ''
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Accounts XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions
Complaint sub-issue: Account information incorrect

In  XXXX   XXXX , we filed a complaint with th e Consumer Protection Agency  against   XXXX   XXXX  . The  CPA  took the case and got involve d ( CFPB Case No .  XXXX  ). On  XXXX   XXXX ,  XXXX , we received a letter from  XXXX , who finally admitted to a bookkeeping error on their part. They had missed a payment that we made in  XXXX  of  XXXX  and were reporting fo r over two ye  ars that our payment was late and were charging us late fees. We thank the CPA  for their help. Unfortunately, this problem still persists. We sold the home that this loan was connected to on  XXXX   XXXX ,  XXXX  and the loan with  XXXX  was subsequently paid off. I have copies of all documents relating to this loan payoff. In  XXXX  's  XXXX   XXXX ,  XXXX  letter they state that they are going to contact Equifax and  XXXX  to fix our credit report. I know you will not be shocked to find out that they did n't do it. Not only that, they have not report to the credit reporting agencies that the loan has been paid off.  XXXX  's credit report still shows an open loan to  XXXX  in the amount of $  XXXX . We recently applied for a loan wi th    XXXX   XXXX   XXXX   XXXX   and were rejected because of the  XXXX  mark on the credit report. I have tried to reach out to  XXXX  to get them to fix this once more and have gotten no where with it. I am begging you to please intervene on our behalf once again to get this fixed. This error is ruining  XXXX  's credit and hindering us from getting a loan. Thank you.
Complaint sub-issue: Fee problem

This is regarding a banking institution known as the Bank of the West. I opened a checking account two months ago. The account held an appropriate balance until The COVID-19 Crisis consumed the entire world. My only source of income, the XXXX industry in XXXX XXXX CA, has been closed for the foreseeable future. There were a small number of checks written just as this virus descended on the United States. My checking account became overdraft as I have no money available to me. I called the bank directly, telling them that I would like for the account to be closed given the situation. I was told by customer service that the account can not be closed until the account is brought current. In the meantime, they are charging multiple fees each and every day for these checks. This seems unjust business practice. The country is closed down and thousands of people have lost their jobs. in fact, they have no way to feed themselves. yet the Bank of the West continues to make money on the less fortunate. Threatening that until they are paid in full the fees will continue for 45 days. At that juncture, they state that they will send the account to collection. This seems illegal and unethical. May I please ask for your help. Thank you.
Complaint sub-issue: Don't agree with the fees charged

I Have recently had my identity compromised ( or just recently found out about it ). My unemployment was defrauded in the the Sate of New York. Than I found out that someone is using my name and personal information to obtain a state id in the state of Pennsylvania. I now started moderating my credit and seen that there is a Fed Loan, XXXX XXXX in my name for {$43000.00}. Opened up XX/XX/2020. I reported it to be fraud to credit XXXX and called XXXX and XXXX etc. I was told I need to make a report here. I am trying to get this figured out. I have reached out to Fed Loan Multiple times and Have not been able to make any progress with them despite even taking off from work to spend XXXX hours waiting on the phone with them. I am current on my student loans on all my payments. I have never been sent any correspondence from this Fed Loan Company and our have done any business with them.
Complaint sub-issue: Problem with customer service

I was under the impression that my student loans were under the forbearance that was extended until the end of the year XXXX XXXX XXXX. I never received any communication from AES about my loan payments starting back up again. I use paperless billing and never got an email or a phone call about this. The only reason I realized what had happened was I got XXXX or XXXX emails in a day from my credit reporting agency that my credit had been lowered. Checking my score revealed that it dropped XXXXXXXX XXXX Devastated, I contacted AES and spoked with a Customer Service Rep. who said that they sent out emails and letters, but I never received them. I checked my trash thinking I deleted them by mistake. No, there wasn't a single email stating my account was past due. I use my phone a lot for my job and receive numerous phone calls. I never received a voicemail stating that my account was past due or that they would be taking action on my credit report. When I asked if there was maybe something they could do, because I was never informed she flat out refused and said that it would it ruin the integrity of the credit reporting companies if they did. I think it's egregious that I was never informed and the only way I found out was through my credit company letting me know that my account took a massive hit. XXXXXXXX XXXX  that's ridiculous, especially after I took my time and care to build it back up after being affected by the pandemic. There was no sympathy or willingness to help someone who clearly needed. It's companies like this who have preyed upon people and don't have anything done to them.
Complaint sub-issue: Debt was result of identity theft

hello I am attempting to resolve issues I am having with debts being reported on my credit report that does not belong to me. The creditors bon my credit report were made aware that I was a victim of identity theft in 2019. I reported the identity theft incident along with notifying the registering through the ftc, gov to file a report. I recently re- requested debt validation of the fraudulent debt being serviced by the bureaus and was instead sent a manila envelope where inside i found XXXX  months of a credit card statement from XXXX XXXX that has my name on it. These photocopies are of an account that Ive never seen nor used. This print out was not from the current agency. They just sent papers from the previous debt servicer with my name and a previous address. This is not authentic proof to compel anyone with common sense into being secure in ownership The bureaus is attempting to collect {$480.00} from me. 
for a XXXX XXXX account they say ive opened. This along with other accounts were opened in my name during my senior year of high school. Not only are the trying to collect a debt I did not create, the company reuses to provide real debt validation information to include the original contract or affidavit showing that I allegedly signed to establish the account. It can not exist as this is idenity theft and not mine. 
They have the burden of proof. My rights have been violated, this account should reflect that it is in dispute. It does not that is a XXXX fine penalty. 
The account is being listed on all major bureaus improperly, as an open collection I have not established any credit or entered into a contract with them to have an open collection with the bureaus account. with a balance due. the deceptive way the debt is being reported is causing more damage than necessary. 

I ask that you help me encourage the bureaus collection agency do what is right and remove this erroneous information from my credit file. thank you in advance XXXX XXXX
Complaint sub-issue: Account status incorrect

On XXXX credit reports equifax, XXXX, XXXX  shows I owe money to XXXX XXXX XXXX  opened on XX/XX/2019 for XXXX dollars.
Complaint sub-issue: Problem with rewards from credit card

I have been a credit card ( master card, Citi ) customer since XXXX. I discovered that my credit card account had been closed on XX/XX/XXXX and called the company. They did not give a reason and said I would receive a letter in the mail. I received a letter on XX/XX/XXXX stating the card has been closed for late or returned payments. There were never any late payments. There were a few online returned payments due to a routing number error but it was paid through another bank account successfully. There was never any overdue balance. I received an email on XX/XX/XXXX from the company that I had XXXX thank you rewards points inviting me to redeem those points. I have been saving and accumulating these thank you points to redeem for a particular purchase. However, there was no way to access them online from the account. I reached out to a Citi supervisor on XX/XX/XXXX who said that he will arrange to access the thank you points and advised to call this week to check on details on how to access. However, in today 's call ( XX/XX/XXXX ) another supervisor said that the points are forfeited and there is nothing they can do at this time. I would like to submit that the credit card closure was without adequate reason and the forfeiture of the rewards points is essentially a theft by the company. I request you to have the company return the points or cash equivalent.
Complaint sub-issue: Banking errors

A check dated XX/XX/19 in the amount of {$9500.00} was written on a XXXX account and send to the payee, XXXX XXXX XXXX  but the check was fraudulently altered and deposited at PNC Bank. The check copy clearly shows the alteration, indicating that PNC was grossly negligent in allowing the altered check to be cashed or deposited. A fraud case was opened by XXXX but according to XXXX, PNC has refused to respond. A complaint was also filed against XXXX but they did not provide any additional information to the account holder or to CFPB. XXXX says that their counsel has sent a demand to PNC for return of the funds. They also suggested that a complaint against PNC be filed. The cancelled check copy should provide account information at PNC.
Complaint sub-issue: Information belongs to someone else

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX REPORT AND NOTICED ACCOUNTS AND INQUIRES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT THESE ARE THE FRADULENT ACCOUNTS 1. XXXX XXXX XXXX XXXX. XXXX 2. XXXX XXXX XXXX XXXX. XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX. XXXX 5. XXXX XXXX  XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX. XXXX 8. XXXX XXXX. XXXX 9. XXXX XXXX XXXX  XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX
Complaint sub-issue: Problem lowering your monthly payments

Payments to loan are not being properly applied to interest and principal. There will be months were {$0.00} are applied to principal and after an entire year of payments the over all principal only went down {$200.00}. When I contacted the lender about ways reduce the interest the only offered a 0.25 % reduction for auto debits which I signed up for. The next month, the payment remained unchanged as the variable interest on the loan increased again to around 8.5 % I make regular payments to this loan and I just want to find a way to get out from underneath it quicker.
Complaint sub-issue: Information belongs to someone else

On XX/XX/, XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX. XXXX,XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
On XXXX. XXXX,XX/XX/XXXX, DSNB/MACY 'S add a hard inquiry on my credit report per XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - 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 fumish a account without my written instructions 15 U.S.C 1666b A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Debt is not mine

Your office completed an ivestigation on this matter and the compnay stopped collecting the debt but they still have not removed it from all XXXX credit bureau 's. 
ERC for XXXX XXXX is still on my report.
Complaint sub-issue: Reporting company used your report improperly

In accourdance with the Fair Credit Reporting Act XXXX XXXX ( XXXX XXXX XXXX  ) account # XXXX and XXXX, account # XXXX, XXXX, have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 also states a consumerreporting agency can not furnish an account without my WRITTEN instructions. 

15 U.S.C 1666B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason or purpose.
Complaint sub-issue: Talked to a third-party about your debt

On XX/XX/XXXX I received a letter in the mail and in that letter was another letter which was from ERC. ERC had sent the letter to an address in XXXX XXXX Iowa and that occupant had opened my mail. I have never lived in XXXX XXXX. I've lived in XXXX all my life. I know they have my correct address because they have mailed a letter before and I disputed.
Complaint sub-issue: Debt is not yours

XX/XX/2021, a debt from XXXX XXXX was obtained by Jefferson Capital System for collection under my SSN. I did not have this account with XXXX and never did. The name on the account is not even mine but it is reported in my credit report. I have disputed the account multiple times but it still has not been deleted. My name is XXXX XXXX, and the name on the account is XXXX XXXX. I contacted Jefferson Capital System by phone to figure something out, as I need it removed so that i can get financial aid for school. When i contacted them they said that they could not speak to me about the account because my name isnt the name on the account. Well, that is obvious. The supervisor XXXX said he can not help me and he just hung up on me. This is illegal and just rude.
Complaint sub-issue: Didn't receive notice of right to dispute

I have submitted a dispute on XXXX XXXX to this company about this debt. They have completely wrong dates on the account. I have asked for the original contract for the debt. I have never been notified by this company until I saw it on my credit and called them. All that call did was made them change the date on my credit report for no reason. The dates are wrong and everything else about this account is wrong. I was also never notified about the debt. They have never made the attempt to show me what the original debt was or for what.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows XXXX XXXX XXXX XXXX XXXX CPW XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WS XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX