Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Attempted to collect wrong amount

There is no debt. I received a letter from Enhanced Recovery Company , LLC ( in FL ). They claim I have XXXX XXXX XXXX debt, threaten to report me to national credit bureau, and offer a discount on debt if I pay within a month. I confirmed with XXXX there is no debt and they told me to disregard this notice. Per online research, this company has reported debts to the national credit bureaus, causing damage to individuals ' credit scores. They have my correct account number and name. Say if I do not dispute the validity of the debt with them, they will assume it is valid. I do not want to establish any contact with this company. 
I am reporting this scam here ( CFPB ) ( I was referred here by FTC when I tried to report the scam there. ) and state Attorney General 's Office. Also tried to report it as a scam to XXXX XXXX XXXX, they did not seem interested in taking the info. I do not want my credit damaged by this.
Complaint sub-issue: Investigation took more than 30 days

I DISPUTED ITEMS WITH EQUIFAX ON XX/XX/XXXX AND XX/XX/XXXX EQUIFAX REFUSE TO INVESTIGATE THESE ITEMS.
Complaint sub-issue: Problem lowering your monthly payments

I got scammed by Guidance Alumni. Will I be able to recover the funds.
Complaint sub-issue: Investigation took more than 30 days

I sent it a dispute on 30 days ago and have not heard back from equifax regarding a dispute to remove two accounts u see litigation. The two accounts are XXXX XXXX XXXX and XXXX XXXX XXXX
Complaint sub-issue: Debt was paid

XXXX XXXX sold a PAID IN FULL TO XXXX XXXX  XXXX - XXXX XXXX XXXX, XXXX, MS XXXX. MONIES were deducted automatically based upon the payments from XXXX each month on time. After the last payment, XXXX was advised to stop electronic payments. XXXX, XXXX sold this account to a debt collector that is not authorized to do business in Virginia ; they fraudulent changed the Original Date and in violation or reporting derogatory information on my credit when it has been paid in full. that fraudulent misrepresent this account I've provided evidence to show that the account was paid in full. In fact, records from XXXX show that the account has been overpaid. The company owes me money. 

Virginia requires anyone doing business in the State to register with the XXXX. XXXX , XXXX sold an account to a debt collector, not in compliance with the state of Virginia. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

DELETE THIS UNCONFIRMED INQUIRY LACKING CERTIFIABLE EVIDENCE UNLESS PHYSICALLY CERTIFIED VERTIFIED PROOF IS DEMOSTRATED PER U.S. CODE 15 U.SC 1681 ET SEQ. SECTION 604 OF FAIR CREDIT REPORTING ACT. ONCE YOU HAVE FULFILLED MY REQUEST, MAIL ME AN UPDATED CREDIT REPORT REFLECTING THESE CHANGES! 

XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

I submitted disputes via equifax.com and after receiving emails stating they have been completed, I am no longer able to access any information about my credit. I receive notices claiming my information doesnt match theirs so i can not access my account. A month ago i contacted Equifax via telephone and they ( in very broken english ) claimed their dispute program wasnt currently working. I STILL cant access my information at all. I feel like a victim of their scam. The other two reporting agencies allow me access just fine.
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX i DONT OWN ANY OTHER STATE IDS OR ADDRESS ANY OTHER STATE ADDRESS OR ANY INFOMATION OTHER THAN WHAT IAM SUBMITTING my lawyer disputed and wrote a letter to all collections on my credit report all incorrect information is incorrect all account that do not match my Id information with same state and address is considered fraud and must be removed I am making a final goodwill attempt to have you clear up this matter. The account they sent back verified are entirely inaccurate, incomplete and represents a very serious error in they reporting. 


I have attached me id & theft police report & letter that my lawyer have wrote this companies with no responds my wallet was stolen So everything that is on my report must match my id The thieves are still using it till this day I will not freeze my accounts because this allows me catch anying who is using with alerts set up in realtime these are the accounts I have verified and some of these are not reporting on all credit reporting at all!!!!! With is another volnation of law. they are as follows loans XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX bank {$1400.00} XXXX XXXX XXXX XXXX bank {$370.00} XXXXXXXX bank {$1000.00} error is currently reporting {$0.00} this wrong XXXX XXXX bank use {$2000.00} error every payment was on time currently reporting two late payments
Complaint sub-issue: Problem with rewards from credit card

I checked my account balance for my XXXX Dividend card in XX/XX/XXXX to see I had a balance of {$41.00}. I had previously tried to withdraw this amount one year prior ( in XX/XX/XXXX ) but was told I could not withdraw until the balance was {$50.00}. I just recently returned form a trip abroad where I did not use this card due to foreign transaction fees. Then, this month, on XX/XX/XXXX, I logged on to my account again to find my dividend balance had dropped to {$0.00}. I called customer service immediately as to inquire about the reason. After a lot of time waiting on hold, the man I spoke to finally told me that, because I had not made a qualifying purchase in a year, the dividend dollars had expired, despite him originally telling me dividend dollars never expire. When i signed up for the card, it was advertised that the dividend never expire and nowhere in any fine print does it mention that they are subject to expiration after a year of non-use. At the very least, Citi should send notifications informing card holders of upcoming expirations. The man at customer service told me there was nothing he could do and the money I had accrued was just gone. I feel deceived and cheated by Citi Cards and want the money I am owed for business I gave them for years.
Complaint sub-issue: Account status

XXXX XXXX XXXX closed an account of mine with them on XXXX XXXX, 2016, stating in the letter " because we no longer offer this type of product. '' Equifax reports that the bank reported to them that the " account [ was ] closed at consumers request ''. I did not request closure -- that is a false report. My credit score dropped by about XXXX points because of the reduction in total credit. My credit has been damaged by a false report. The bank should either not have closed the account or should make the report right with Equifax and ensure my credit score is not harmed in the process.
Complaint sub-issue: Funds not received from closed account

XXXX XXXX  was closed by me on XX/XX/2022. I did nothing t want to use this bank anymore. XXXX refuses to give bank funds. Stated that they sent it out XXXX have not received it called numerous times they still say it is in transit as of this date. XXXX has stated that they closed the account and I did not.
Complaint sub-issue: Information belongs to someone else

I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Complaint sub-issue: Account information incorrect

Hi yes Ive had this card for about one year. They gave me a limit of XXXX. For the first time in 8 years I was out of town and forgot to make a payment. I called them right away and said I knew I was late but I was going to make the payment tomorrow. Just needed to set up my new checking account information with them. So I just use my old account to make the payment which was XXXX plus the late fee that they decided to charge anyways even though I made a phone call to them. So instead of paying the XXXX I made a XXXX payment instead and also made another XXXX payment 3 days after the first payment. to just pay it down some. Its XXXX the balance and I paid XXXX should be XXXX but some how its XXXX still. And they also made a report stating that on XXXX XXXX. That I increased my balance for XXXX not that I made XXXX in payments! And they also reduced my credit limit line from XXXX to XXXX with just one email saying that they decided that should be done. After making XXXX in payments and only having XXXX due. Unbelievable!! They said I increased the balance and never stated I made the two payments. Now reading al these reviews about them. Im horrified
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. I have not been to any kind of medical in a long time and this debt does not belong to me. I have no idea who this is or where it came from but it is not mine.
Complaint sub-issue: Information belongs to someone else

This is my 3RD endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document 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 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 XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Starting on XX/XX/2016 I started the process of Disputing debt being reported by XXXX XXXX XXXX who was reporting ( 7 ) accounts to my credit reports, all the same, account number but different amounts totaling {$94000.00}. I first sent a letter XX/XX/2016, XX/XX/2016 to XXXX XXXX XXXX and again on XX/XX/2016 to all 3 credit reporting agencies XXXX, XXXX  and Equifax. I explained these accounts did not belong to me and were unverifiable. Additionally, all accounts did not meet the XXXX XXXX compliance requirements for reporting accurate data. I included the FTC Advisory Opinion to XXXX ( XXXX ). In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide accurate ( and perhaps not clear ) disclosure of all information in the file. They basically state that by not reporting the entire account number, they are not reporting 100 % accurate information as required by section 609 of the Fair Credit Reporting Act. 
I provided copies of my ( 14 ) different letters addressing each line item on my credit bureaus and copies of signature required service via XXXX along with evidence that both the FCRA and FDCPA were both violated by not addressing the dispute in accordance and within the allowed 30 days. 
I referenced the following, " I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. ''
Complaint sub-issue: Debt was result of identity theft

Good Afternoon. First and foremost, I, XXXX XXXX XXXX, is filing this complaint. ERC Collections sent a letter to my parents home in XXXX, XXXX First and foremost, I haven't lived in XXXX since College, which was XXXX. Secondly, I have never had an account with XXXX. I am requesting that they cease communication and that they remove this account from my credit immediately. I will sue if they keep this on my credit. I have submitted an identity theft report from the police station and from idtheft.gov. They have contacted me twice and I do not owe anything. Now they are reaching out to people that they think are associated with me. I am a victim of identity theft and I am requesting help with this issue immediately. Thank you.
Complaint sub-issue: Account information incorrect

this message is for plaza servies llc about the account they have on file. i cant submit feedback to the closed complaint but i read your cfpb response. yes i noted the date the fraud occurredon XXXX of this year, but the reason is because i cantremember so i put something down and i also reported it to the police that it occurredin XXXX of this year. i have XXXX XXXX XXXX XXXX due to my XXXX. whetheryou want to believe it or not is up to you. i cant get a copy of the police report just yet because they informed me that it will take a few days. i promise you i am not making this stuff up. i have XXXX XXXX and XXXX XXXX  to where i get brain fog so dont start with me on this ok? thanks. i am not making anything up. when i get a copy of the police report ill send you a copy via email. i have severe XXXX and XXXX XXXX XXXX i cant even remember what i did yesterday. so dont start ok? thanks
Complaint sub-issue: Reporting company used your report improperly

I have asked these companies to pull these reportings from my the bereau because they solicited my business after they told me that this would be a soft pull and said that it was only to look at the credit history even after i told them of a public record was on my file. I was decieved and think that the company should own their responsibility and remove it after one year as they told me. VERY DECEPTIVE!! 

XX/XX/2016 US BANK XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX WA XXXX
Complaint sub-issue: Investigation took more than 30 days

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 

I HAVE SENT DISPUTE LETTERS ON XX/XX/XXXX-20, AND XX/XX/XXXX-20 BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED TWO 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE ARE ACCOUNTS REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.
Complaint sub-issue: Information belongs to someone else

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans or gave anyone authorization to. I have never went to school. I opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

DPT EDXXXX XXXX {$3600.00} DPT EDXXXX XXXX {$6800.00} DPT EDXXXX XXXX {$1800.00} DPT EDXXXX XXXX {$9100.00} DPT EDXXXX XXXX {$3700.00} DPT EDXXXX XXXX {$390.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$570.00} XXXX   XXXX {$12000.00} XXXX XXXX  XXXX {$480.00} XXXX XXXX {$2700.00} XXXX XXXX {$600.00} XXXX XXXX  XXXX {$660.00}
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019 Equifax received my dispute letter in reference to numerous medical accounts that show on my report. My letter was quite specific when I asked for " documents '' or the 'Method '' used to verify these so called debts. I received a notice back just stating " Verified '' with no information on how it was verified. No documents, no method, no name of system of verification. 
Firstly, I am allowed under the Health Insurance Accountability Act to protect my privacy and medical records and did not give any permission for my records to be reported. Secondly, " verification '' is confirmation of correctness, truth or authenticity by affidavit, oath or deposition. Equifax must be able to produce documentation that that this debt belongs to me and yet they have not provided as such. 
Under the FCRA consumer reporting agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. 
I am requesting Equifax delete these accounts they are reporting as they can not produce verification.
Complaint sub-issue: Debt is not yours

This year out of the blue I receive a letter from HUNTER WARFIELD INC XXXX XXXX XXXX XXXX XXXX, FL XXXX. I have never heard of this company nor ever had a contract with them. I sent a letter asking them to provided proof I own them a debt. They did not comply and next thing they did was report on my credit report as a collections. I never had a contract with the company nor gave consent for them to report on my credit report. I want them to cease and desist any further actions and to remove any negative remarks off my credit report.
Complaint sub-issue: Information belongs to someone else

This is the several times I've complained about being a victim of identity theft. XXXX, XXXX, and LexisNexis must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Personal information incorrect

My name is XXXX XXXX. I am having issues with inaccurate information on my credit report. I was a victim of ID theft a few years ago and my name and ID has been compromised and I need to file a complaint to have these addresses deleted they are not mine : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX 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 XXXX, XXXX, OH XXXX
Complaint sub-issue: Problem using a debit or ATM card

XX/XX/2023 I opened an account with Citi bank at XXXX XXXX XXXX NY location both saving and checking. The banker requested new debit card for me. The first one, I never received it, so she requested the other one for me. Somehow on the 26 of the same month, someone used my lost Debit Card went to XXXX XXXX  NY location withdraw {$3300.00} total from teller, which I dont know how teller gave that person my money. And they used the card at ATM machine try to withdraw {$2000.00} cash. At that point, bank send me an alert. I called the customer service frozen my account and filed a claim about the money that they took. 
On the XX/XX/2023, Citi Bank send back a letter states that because that person used the card, my request was denied. 
Here I am filling a complaint against CiTi bank, without properly verify my information gave my money to other unauthorized person.
Complaint sub-issue: Deposits and withdrawals

Citi bank blocked my account since XX/XX/XXXX with XXXX $ and they closed my account with no explanation I called them 100 time send email and even went personal top the branch but no one is telling me the reason why my account was closed or where is my money. I called again today and they told me my money was sent to a XXXX and then hang up on me. it's been 94 day since they blocked my account and no access to my money.
Complaint sub-issue: Problem during payment process

I am SIMPLY trying to make a XXXX XXXX payment. I 've called XXXX. You go through all this mess that no person has time to listen to but since I owe XXXX XXXX, I put up with this ridiculous voice prompts. And why? Because XXXX XXXX website REFUSES to recognize my online password and they still have not sent me a password reset. ( Even though I CLEARLY KNOW MY PASSWORD, I 'm staring right at it ) But alas, not even their customer services is open!! Today is XXXX XXXX, XXXX. Is today a holiday? Is it Sunday? No, it 's a business day but yet XXXX XXXX  customer service is not available to accomplish making a simple payment. Why is that?? So customers can be LATE and then we owe a late fee too? What happens to the XXXX person that can not go to a XXXX XXXX store and make a payment?? I am curious as to how many customers XXXX is doing this XXXX to?? XXXX I WILL CLOSE MY ACCOUNT as soon as I contact you. Please address CFPB.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The inquiries listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below as a result. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted a dispute letter three times for the past four months and have not received any update or progress on the status of my dispute.
Complaint sub-issue: Their investigation did not fix an error on your report

There are fraudulent accounts on my credit file that hasn't been removed after submitting police report. 

XXXX XXXX A Last reported XX/XX/2022 {$230.00} Open balance XXXX XXXX BANK XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX Last reported XX/XX/2022 {$4800.00} Open balance XXXX XXXXXXXX XXXX XXXXXXXX Original creditor Report info