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

ERC is attempting to collect for XXXX XXXX. This debt is a result of window shopping for cellular service. XXXX XXXX acquired and ran a credit check. But after some thought service was not acquired. XXXX XXXX has charged me for services that were never used or activated. ERC may do some research see that XXXX XXXX falsely charged me. XXXX XXXX has been contacted but never responded to my complaint.
Complaint sub-issue: Their investigation did not fix an error on your report

Asked the 3 credit beaurows to validate my negative accounts and never received validation from them on any accounts
Complaint sub-issue: Deposits and withdrawals

Since opening my account with PNC Bank I've had many issues, especially after applying for an XXXX XXXX position! The extra ATM Bank fee of {$3.00} is Federally illegal, and they state XXXX didn't input the {$57.00} into my account, but they never released funds on XX/XX/XXXX, or XXXX, an so the bank issued a provisional credit, after I received the credit and spent monies they state provisional credit was removed by bank. I received a letter post marked XX/XX/ stating PNC is withdrawing {$57.00} from my account, on XX/XX/XXXX this was done, and {$7.00} overdraft fees daily on top of {$36.00} overdraft initial fee due to XX/XX/XXXX taking back the {$57.00} due for merchandise I never received! How can this be legal? I called FTC to file complaint and received a letter postmarked XX/XX/, yet I didn't receive this letter till XX/XX/XXXX Seems to me PNC Bank, and FASFA not paying for transcripts, XX/XX/XXXX, and every higher education facility is against XXXX XXXX and using crooked business tactics, social prejudices to hinder our businesses!!! Please investigate, stop PNC from their extra charges including extra ATM Fee out of network use fees, and include me in on any class action lawsuits? Thank you!!! 

From : XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The company XXXX XXXX XXXX performed a hard pull on my credit on the following dates : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX without my consent.
Complaint sub-issue: Information belongs to someone else

Checking my report & I still see some accounts & inquiries I have been disputing is still on my report after 40days. I have not heard anything from The creditors, bureaus, third parties. Computer generated response is not acceptable either & Im tired of you guys keep going against the law. So by written law stated remove these inaccuracies off my credit file permanently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

Went to XXXX XXXX app and website to make payments, was told that payment and autoenroll of 50 $ a month would be taken out regularly to pay off student loans. Only to find out months later that their must of been a technical issue or error with the payment going through. I had left outside of the country before I could realize this issue and did not notice it until I had returned months later, only to find out that there were 90 days past due of payments! I quickly payed the {$250.00} of the missed payments immediately but still have the late payments on my credit report even though it was through their app AND WEBSITE that the error occured!
Complaint sub-issue: Didn't receive terms that were advertised

I opened a Citi Accelerate High-Yield Savings on XX/XX/XXXX. I opened this account for a promotion that gives the consumer a cash bonus offer based on the amount of funds in the account. According to the confirmation email I received on XX/XX/XXXX for enrolling in the Citi Accelerate High-Yield Savings Tiered Bonus Offer, the promotion provides a cash bonus based on depositing " New-to-Citibank Funds into your new savings account within 20 days of account opening. The balance on the XXXX calendar day after you open your account will determine your maximum cash bonus ''. My email confirmation for enrolling also states " your Cash Bonus will be paid to your Savings Account within 90 days after you successfully complete all required activities. '' After not receiving the cash bonus, I called Citibank customer service on XX/XX/XXXX and the representative ( XXXX ) confirmed that I am entitled to receive a {$500.00} cash bonus and confirmed that all the requirements have been met. He said I should receive the bonus no later than XX/XX/XXXX and if I do not receive the funds by then, they would file a promotional dispute. He also provided me with a promotional code. 

After not receiving the funds by XX/XX/XXXX I called again on XX/XX/XXXX. The representative notified me that the code the previous representative provided did not work on their end and there was nothing else they could do for me to receive my promotion. Please note that the confirmation email I received after enrolling did not have a code- the only code I had was provided by the CitiBank representative on XX/XX/XXXX. I then talked to an account supervisor ( XXXX ) who notified me that she sent in a request for the bonus, however I have received no confirmation information or timeframe on when this might be resolved. I have still not received the funds and would this matter is resolved as soon as possible, as I can not access all my funds in my account while this is in dispute.
Complaint sub-issue: Information belongs to someone else

The Following Accounts are a result of Identity theft / fraud. I am requesting to dispute. Attached are FTC Fraud affidavits supporting my identity theft. 

Creditor : : XXXX XXXX Balance : : {$300.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$410.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$980.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$180.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$600.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1600.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1100.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1200.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1000.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$2100.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1400.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1400.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$730.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$1300.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX Balance : : {$2000.00} Account # XXXX Creditor : : XXXX XXXX XXXX Balance : : {$790.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$120.00} Account # XXXX Creditor : : XXXX XXXX Balance : : {$230.00} Account # XXXX Creditor : : XXXX XXXX XXXX XXXX XXXX Balance : : {$190.00} Account # XXXX
Complaint sub-issue: Information belongs to someone else

Someone opened up a fraudulent Discover credit card in my name on XX/XX/17 the balance of the card is XXXX. I have called Discover sent them a copy of the police report along with a copy of my FTC report saying that it was a fraudulent account. They keep stating that they have information that matches my information of course they would have the information because someone stole my whole identity. Please help me resolve this problem. Thank You
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act Equifax is reporting inquiries I never authorized : XXXX XXXX, XXXX XXXX, and EQUIFAX MORTGAGE SER ( XXXX ), and 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: Other problem getting your report or credit score

Okay so I wrote you all about 3 weeks ago and Equifax deleted my file. I thought it was taken care of but when I went to pull my credit report Equifax has still not put all my positive credit back onto my file, It is affecting me from getting new credit and a mortgage. Do I have to file a law suit? Only thing showing on my account is two accounts that were deleted after I disputed it. they put it back on there and I never requested a fraud alert and they extended out to the other bureaus which I recently had removed XXXX XXXX and XXXX. What is it that I need to do to get this resolved hire an attorney? So what appears to be happening is that they are disputing on my behalf and its affecting my credit score. I am not asking for a dispute I am asking them to put back all my positive credit they removed.
Complaint sub-issue: Debt was paid

I have worked with my medical provider, who sent this to collections in XX/XX/XXXX. I was not notified that the collections had been assigned or who was assigned until XX/XX/XXXX ; when I was billed including interest since XX/XX/XXXX. This is an unfair and fraudulent practice as there was no way for me to pay the debt from XX/XX/XXXXto XX/XX/XXXX when I finally received the notice in the mail.

I have paid this debt ( {$850.00} ) in full ( conf # XXXX ).

I continue to receive letters for the original debt plus interest. This is fraudulent and harassing behavior.

Letter from XXXX stating paid in full.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX and BAY FINANCE CO are reporting inaccurate late payments to XXXX, XXXX, and XXXX and hurting my credit rating! I was NEVER late on this account and I have disputed these inaccuracies with XXXX, XXXX, and XXXX which stated XXXX XXXX XXXX and Bay Finance verified as accurate. I want to see transcripts showing these are true because they are False and I had my account on AutoPay. XXXX XXXX XXXX was the original creditor and transferred this account to Bay Finance without advising me! Please see attached copies from my credit report showing how they are both reporting these inaccurate Late Payments!
Complaint sub-issue: Information belongs to someone else

My ex fianc had a Macy 's credit card he opened in  XXXX  before I met him . Macy 's has   an  XXXX  an d Macy 's sto re account, which are linked. I was added as an authorized buyer around  XXXX . We broke up in  XXXX  and around  XXXX  I noticed both accounts are on my credit report. As an authorized buyer I have no obligation to this debt. I called  Macy 's and they s tated I was added as a joint user. I never gave any written or verbal consent, nor did I give them my SSN to be added as a joint user. I have been disputing with  Macy 's and al l  XXXX  credit bureaus to have this removed since  XXXX .  Macy 's refu ses to remove it, even with a police report submitted to them . Macy 's also refuses to provide me with any information showing I agreed to be a joint account holder. When I file disputes through the credit reporting agencies, I 'm advised that Macy 's does not investigate this issue, instead they send a generic response back indicating  the debt is mine and they fail to show supporting documentation. Both accounts need to be removed ASAP!
Complaint sub-issue: Problem with product or service terms changing

On 2020 around XXXX, I find out that I had a big problem about my credit score ( delinquency ), Then I found out that my discover credit card company file a debt collect on me. I never used this card, and also I never received any new Credit Card from the company. After this case happened I try to reach out with debt Collector and the discover bank, try to solve the problem. but both company make me calling around and not even try to solve my problem. that makes my credit score drop  everyday. The amount that i find out around {$8000.00}.
Complaint sub-issue: Information belongs to someone else

For years now Ive been fighting with this company XXXXXXXX XXXX  to dispute fraudulent charges thats on my personal credit report. This business is report and that I owe a company name XXXX XXXX XXXX XXXX which I personally never collected because this account was never opened in my acknowledgement or consent. I believe the account was open sometime in XXXX and Ive been fighting since then to get these fraudulent charges off my credit report. another company is XXXX XXXX theyre stating that I owe them over XXXX, from XXXX. This account as well, its not mines, or was an open to my acknowledgment or to my consent. The previous home that I was in I left my personal wallet in my phone inside of a hidden closet inside of a closet totally forgot about it. The house was remodeled and whoever went inside that cubby space has access to my personal information.
Complaint sub-issue: Personal information incorrect

To whom it may concern My family was looking to move earlier in the year so we contacted a family friend realtor and mortgage agent to start the process. When my mortgage agent tried to pull my credit report he found that Equifax had the wrong name. They had my middle and last name not my first middle and last. He advised me to contact them and dispute it and that it should be an easy fix so I did. Within a week I got a letter stating they could not process because of insufficient information. This was XX/XX/2019. So I called their XXXX number to see why. The person I talked to said that I worded it wrong and gave me word for word on how to submit/write my dispute letter. I made the changes and sent in 3 different types of identification and I heard nothing for weeks. The revised letter was faxed on XX/XX/2019. I called a week later to confirm they got my dispute letter and documents and they said they did and it will be reviewed and processed and I will get a letter within 30 days. 30 days go by and nothing. So I call again wanting an update on my dispute and why I have not received anything. After being asked a dozen or so security questions they said based on the verbal information I have given then that they could possibly ID me that I am who I am and would not disclose any information on my dispute. This happened four more times after this first incident. Now were on the sixth or seventh time now Im calling. I directly as for a manager or supervisor. I go through the same security questions and she tells me the same thing that I did give accurate answers to my security questions. I raise my voice and tell her its nonsense Ive given you my full name, address, social security number, birth date, mortgage company, mortgage payment, any open lines of credit and they still cant help me. I get put on hold, 10 minutes go by and she returns to the phone. Finds all the documents with my dispute letter and says it been processed but I would have to wait for a letter in the mail within 30 days to verify its been completed. They even gave me a confirmation number ( XXXX ). 30 days go by ... nothing. That was this past Friday XX/XX/2019. So I call yesterday morning XX/XX/19 and speak with another supervisor who says shes sorry but it was never processed even after they gave me a confirmation number. She says the department that handles this conflict is not open and couldnt give their direct lie to contact them because its against company policy to disclose that information. 
Moving is very important to my family and Ive tried and tried to handle this but I just dont have the time to sit on the phone for an hour everytime and keep having the same discussion with the people that cant help me. I need help because no matter how persistent I am about this I get no where. Please advise me on the on going issue. I keep being led that someone at Equifax is doing their job but obviously not. 
Thank you XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX and XXXX XXXXT
Complaint sub-issue: Information belongs to someone else

CFPB Write up n 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 instructions
Complaint sub-issue: Need information about your loan balance or loan terms

XX/XX/2020 NELNET XXXX. XXXX  XXXX Re : ( Student Loan Debt ) Account Number : XXXX To Whom It May Concern : I would like to make arrangements to settle the above referenced matter. 

Please provide me with your statement of the amount owing as of XX/XX/2020, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 

Thank you very much. 

XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

I have been making on time payments under the Income Driven payment plan since XXXX XXXX. I have submitted employment certification forms from each of the " qualifying '' employers, the most recent being sent XX/XX/XXXX. I contacted my loan servicer ( XXXX XXXX  ) requesting a detailed list / number of qualifying payments. Currently they have me credited with making 35 " Qualifying Payments Made ''. There  were a couple of periods when my account went into hold/forbarance when new IDR payment was being disputed/calculated. However, in general in my records I have made at least 10+ payments per year since XX/XX/XXXX. That is a considerable amount more than 35. Not sure if this is due to my loans being transferred from previous servicer to XXXX XXXX on XX/XX/XXXX.
Complaint sub-issue: Attempted to collect wrong amount

The account Valarity is holding has been satisfied. I do not owe this money. It was paid in full. {$63.00} to the original billing institution in XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

There is inaccuate information in my credit report. This agency has not resolved the issues and therefore is not in compliance with FCRA laws.
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, 2017, I received news that Equifax was hit with a major hack a month prior, in which personally identifiable information ( SSN, full name, address, driver 's license number, etc ) was stolen. After following a link to an Equifax-established website regarding this incident ( equifaxsecurity2017.com ), I was able to confirm that I was a victim of this data breach.
Equifax is offering a year of free alert monitoring and identity theft protection as the only appeasement for their negligent mishandling of personal information, and has stipulated in the website 's terms of service that enrollment in such appeasement waives all rights to sue Equifax or participate in a class-action lawsuit against the company.
Equifax mishandled my personal, financially-critical information and failed to notify me in a timely manner. As a result, me and nearly 150 millio
n other Americans are at a very high risk for identity theft. I have trusted the company with highly-sensitive information, and the company has betrayed that trust outright.
Complaint sub-issue: Information belongs to someone else

My account with Commerce Bank was the subject of identity theft and fraud. Commerce Bank continues to report invalid and inaccurate information to XXXX. This is despite receipt of my FTC Identity Theft report. I requested protection under 605b, 4-day blocking rule and Commerce Bank has failed to comply. 

Commerce Bank has also repeatedly failed to send account statements as requested many times.
Complaint sub-issue: Information is not mine

On XX/XX/XXXX, I pulled a copy of my credit report from Equifax. There was an account for XXXX contained therein. On XX/XX/XXXX, I wrote to Equifax disputing said alleged account and asked for validation. 

Equifax failed to respond to said dispute within the 30 day time frame. 

On XX/XX/XXXX, I again wrote to Equifax requesting them to immediately delete said item since they did not respond to my XX/XX/XXXX, letter in a timely manner. 

To date, XX/XX/XXXX, the alleged account has never been validated nor has Equifax marked my credit report as being " disputed '' ; although, Equifax continues to report said item.
Complaint sub-issue: Other problem

I have two separate issues related to Citibank : First, I was charged an expedited card fee when I requested a replacement card, despite the fact that I did not request an expedited card and I was assured by two different Citibank agents that I would not be charged this fee. Second, when I requested the replacement card, I was first sent a card that had the former account number listed, which was to a closed account, was then sent the expedited card for which I was charged the fee described above, and finally, I was sent a third card that matched in account number and CVV number, causing me concern because I did not request two cards. 

-- Issue 1 -- Around the beginning of XX/XX/2018, I realized that I had misplaced my Citibank Double Cash credit card. I called into Citibank to request a replacement card and to update my mailing address since I have recently changed addresses. After speaking with a representative, I was told that they would be closing the account of the lost card for security and would be opening a new account with a new card number and would be expediting a new card to me overnight. The agent informed me that there would be no fee for the expedited card. When I received the card the following day, I attempted to activate the card, but learned through the activation website that this card was to the closed account. It appeared that Citibank had issued a new card for the closed account. 

Later that day, or perhaps the next day, I called Citibank again to inform them of this error and request a card for the open account. I spoke with another representative who apologized for the inconvenience and offered to issue me the correct card, again ensuring me that no fee would be charged for the expedited mailing. 

Upon logging into my account today, I was charged {$6.00} for and Expedited Card Service Charge. I requested that this amount be refunded by contacting Citibank via their webchat. After informing the agent that I would be submitting a complaint to the CFPB, I was told that I would be receiving a credit for {$10.00} to cover the fee. As of the time I am writing this complaint, my account has not been credited. 

-- Issue 2 -- After receiving the expedited card around 10 days ago for the open account as described above, I activated that card and have been able to use it. However, I received in the mail today a second card with identical account and CVV numbers. I did not request a second card. 

This causes me concern because I have been exposed to unnecessary risk by having an additional card in existence that I was not aware of. Additionally, I am concerned that Citibank may have created and mailed more than these two cards and there may be a card in existence that I do not have in my possession and that I am not aware of. Because the account and CVV numbers are identical, for all intents and purposes, this card was mailed as a active and usable card. This represents a very serious security issue as it may have been stolen or otherwise intercepted and would have been usable by anyone.