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

I received a bill from ERC about an account not paid with XXXX XXXX XXXX XXXX I have never had an account with XXXX XXXX XXXX XXXX and this is not my debt. I have had no prior notices from XXXX XXXX XXXX XXXX and this is " out of the blue ''. I also read online that this same thing has happened to other people also billing from XXXX XXXX XXXX XXXX that is not their bill from this same company and that they have many consumer complaints. I assume this is a scam. I do not want to reply to the company to encourage them to continue. 
I am XXXX years old. I should not have to deal with this fraud. 
This is the information from ERC : Account number XXXX ; Reference number XXXX the amount of XXXX due to XXXX XXXX XXXX XXXX. 

I do not have an account with XXXX XXXX XXXX XXXX and I have never had an account with XXXX XXXX XXXX XXXX. 

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

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Department of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and corrected from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balanced Owed : {$0.00}
Complaint sub-issue: Debt was paid

The Company XXXX XXXX XXXX posted onto my consumer reports stating that I owe them an alleged debt. I have no agreement with XXXX XXXX XXXX they have purchased a debt without me being involved in the transaction. This is a duplicate account pursuant to 15 USC 3002 I am a natural person You are a Third Party Debt Collector, who appears to be fraudulently claiming authority of this XXXX XXXX to administrate for the me XXXX XXXX. 

You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on I the consumer, together with a certified copies of signatures contract between you and I, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing I XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon I XXXX XXXX. Courts require your contract for jurisdiction. 

I the Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles.
Complaint sub-issue: Their investigation did not fix an error on your report

since XX/XX/2019, I have sent severla letters to Equifax regarding medical collections that they are reporting as accurate. XXXX and XXXX have already deleted these items on their end because they could not verify the accounts, but yet Equifax is reporting them as verified. I have asked for documentation that shows my signature regarding these accounts. I do not remember having any accounts and Equifax is reporting it as valid. Time after time, they have not been able to produce such documents and only respond to me with a generic response. I want to see documents of what has been produced or how it was verified. i want to see my signature on these documents!
Complaint sub-issue: Denied request to lower payments

This company 's employees are extremely rude and disrespectful and do n't even offer grace periods or deferments after Hurricane Irma I recently took my car loan out with this company. Since then, about almost 2 weeks, we experienced Hurrican Irma and public schools and most businesses were closed due to electrical issues which took the electric company almost until a couple days ago to have the whole county at 100 % again. Due to the closings, I was forced to pay a lot of money for additional childcare costs, food expenses and I lost some days of work which I was not paid for. I called on today 's date at about XXXX because I was a little worried that I would not be unable to pay my next car payment on full and on time. When I called I was greeted by a XXXX who presented herself as a " recovery manager ''. I explained my situation and my concern and the first question she could ask me was that if I could maybe manage to " play '' around with my other bills, ask for extensions. I was shocked. She then explained to me that my loan was not a conventional loan, my loan had no such things as a grace period or deferment options. After expressing my shock not only of the inconsideration on their behalf even with the natural disaster but also with her tone of ridicule she stated that maybe I need to refinance with another company. She even stated I maybe needed to apply for XXXX assistance and unemployment to help pay my car note. I was already flabbergasted enough let alone not ready for the next thing to come out of her mouth which was " you see a regular loan has better customer service ''. I am appalled and disgusted with this company and the cold halfheartedness of their employees. This company preys on individuals who have low credit scores and their practices should be monitored and controlled. Their employees require much better training and coaching. I called back the company to get the " managers '' name I spoke with earlier all she can tell me was XXXX and stated " Report me i do n't care, the answer remains the same you need to make your payment. ''
Complaint sub-issue: Other problem getting your report or credit score

I'm enrolled in the Equifax XXXX XXXX plan. I call Equifax about once a month to get an update on my score. Each time my score changes. I haven't done ANYTHING to adversely effect my credit. Why would it drop 35 points if nothing adverse has been done in the past 30 days. I don't understand why the up and down on my score. I've paid everything on time since XXXX. If it is because of VERY OLD late payments what makes the score go up then back down? It's very hard getting a correct answer from Equifax, there representatives have such strong accents and it's hard to understand. Additionally I've called creditors and they will tell me they reported to Equifax, but when I call Equifax they don't have it. XXXXXXXX XXXX  reported for BOTH of my credit cards on XX/XX/XXXX but oddly Equifax only received one. 


1. XX/XX/XXXX my score is now XXXX 2. XX/XX/XXXX My score was XXXX 3. XX/XX/XXXX My score was XXXX
Complaint sub-issue: Trouble with how payments are being handled

CitiBank was my Student Loan Lender until XX/XX/XXXX. My loan has since been sold to XXXX. <P/>On XX/XX/XXXX my father unintentionally made a {$1500.00} payment to my old CitiBank Student Loan Account through his XXXX XXXX on line payment checking account. In the past, he had occasionally submitted payments to assist me with paying down my student loan debt with Citibank. As such the account was still in his online payment menu. The {$1500.00} payment was intended for a different recipient. As documented by XXXX XXXX in Exhibit A, the payment was processed to the CitiBank on line Payee and accepted by the account as listed below : Citi-The Student Loan Corporation XXXX XXXX. XXXX XXXX XXXX XXXX, NV XXXX Student Loan Acct No XXXX To date, it appears that above account is still active and accepts on line payment, even though Citibank maintains they have no record of the account number, they have since closed the account, and closed accounts will bounce back the payment automatically to the originator. It is also my understanding, they no longer have a student loan operation. As of XX/XX/XXXX, no payments have been returned by Citibank or XXXX. XXXX states the payment needs to be returned by Citibank ; Citibank states that XXXX needs to rescind the unauthorized payment from their end. As a consumer, having spent 20+ combined hours in person and by phone, my Father and I are at this point seemingly powerless to large institutions who do not seem to care enough to do what is right by their hardworking customers. As such, we are filing an official complaint with CFPB.
Complaint sub-issue: Information belongs to someone else

Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this XXXX XXXX. As the XXXX XXXX XXXX please I request you to stop them with their misinterpretation of my consumer report. Thank you
Complaint sub-issue: Company closed your account

I saw that Commerce Bank was offering a {$200.00} bonus for new checking accounts. I live in Illinois, which is one of their states, so I signed up and made a {$5000.00} deposit on XX/XX/XXXX. I just got a letter dated XX/XX/XXXX saying my account was closed due to inactivity. I had only had the account open for 6 weeks, and they are closing it for inactivity?? It 's clear to me that Commerce Bank is just trying to avoid paying the {$200.00} bonus, which would have occurred at the 90 day mark. They should n't be allowed to have people go through all the effort to honestly open an account with them and then deny the bonus because 6 weeks later they decide it 's not the kind of customer they want. They had my address when I signed up with the bonus promo code, so any sort of suggestion that I was n't in the bonus target area is ridiculous ... .they should have denied my application then if they did n't want people in my geography ( and I do live in a Commerce Bank state ). 

I sincerely doubt Commerce Bank is closing long-standing accounts that lack activity for 6 weeks. They are only targeting accounts for closure that they 'd have to pay a bonus on if they stayed open longer.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Complaint sub-issue: Public record information inaccurate

I was a victim of identity theft and false and fraudulent bankruptcy ( XXXX ) was reported to my credit report. I have filled a police report and a ftc report and given it to the credit bureau and XXXX said it would be disputed and never heard nothing back in 2 months. Called again and filled another dispute. And then I couldnt access my report at all through XXXX website. And now its being reported on Equifax also
Complaint sub-issue: Account status incorrect

I have several loans that I consolidated from XXXX to XXXX. There is one loan remaining with XXXX that has not been moved that is causing my credit score to continue to drop. Loan # XXXX. This loan is being recorded as joint. IN XX/XX/XXXX, my ex spouse and I were trying to consolidate his XXXX loan and my loan with XXXX. We were told that we could not consolidate the loan because his loan was in default. However, my loan was placed into his name. For nearly 20 years we have disputed this and have gotten NO results. They have constantly reported negatively on my credit report and his. Just recently, I spoke to XXXX at XXXX XX/XX/XXXX. She said she was going to look into this as a top priority, but our credit scores has since drop down XXXX point. I need help in getting this loan out of my ex husbands name ( XXXX XXXX  ) so I can consolidate with my other loans with XXXX. This has hindered my as well as his ability to obtain credit. We need help ASAP
Complaint sub-issue: Banking errors

I made a paid a merchant twice by accident from my PNC account. Because the merchant was due the money, ( since I was behind ), they denied my request for reimbursement. I then called the bank, knowing that I did not have enough finds to cover 2 payments, they put in several request for me to get my 2nd payment back. Each time I was advised it had been denied. So I opened a case with XXXX   about the merchant. Their findings was that the money was returned when I filed with PNC, asking for the money back. So where is my money?
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiry listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE INQUIRY COMPLETELY FROM MY CREDIT REPORT : XXXX CARD-Date of inquiry XX/XX/2020
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

I have XXXX ATM withdrawal from my card that I subsequently reported stolen to cash app support..for XXXX XXXX and XXXX respectively ... I am being denied because they say it is routine of some sort I did not make this transaction
Complaint sub-issue: Problem with product or service terms changing

I deserve without ongoing conflict that my property and loan are discharged of mortgage by XXXX on XX/XX/XXXX with XXXX county register of deeds and are requesting confirmation from XXXX lien release department that from my complaint ftc # XXXX that i XXXX XXXX XXXX received a call from the female federal trade commission employee on or around XX/XX/XXXX and she said ( call XXXX at this number and ask them, WHAT THEY WILL DO FOR YOU ) PH. XXXX XXXX, PH. XXXX XXXX, FAX XXXX XXXX. Two female employees at XXXX immediately said " we are sorry for what XXXX XXXX did to you '' and we are doing a discharge of mortgage on your property and congradulations to you on a paid up XXXX loan. TO XXXX PLEASE PROVIDE THESE FACTS TO THE CFPB STAFF IN THIS COMPLAINT. 

XXXX XXXX has misused my identity across the board including in the name of fraud.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX, Account Number XXXX in the amount of {$1300.00} for XXXX XXXX XXXX XXXX has been deleted from my credit report and now reappeared. I was never given the 5 day notice for the items to come back on my credit report that is required by the FCRA. I was never even contacted by XXXX XXXX so how can they verify the debt with the credit bureaus and not me?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account Numbers : XXXX with XXXX & Account Number : XXXX has violated my rights with collections/Charge offs In accordance with the Fair Credit Reporting act XXXX, I have XXXX negative inquiries that have violated my rights the name follows as XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX 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: Fee problem

I am trying to enroll in the CitiGold subscription rebate program. I called the phone number listed on the webpage to sign up at XXXX XXXX XXXX However, there is no option in the phone tree to sign up. When I chose the option to speak with a representative, the phone just hangs up. 

I tried using chat messaging to sign up, but the representative then told me I had to call the number which I just called. 

I also tried emailing my representative who has not responded to my emails for several months. 

Everyone seems to be very much checked out and unhelpful.
Complaint sub-issue: Personal information incorrect

Thanks for taking the time to hear my complaint. I take care of my family across the globe and I love to buy things and send it directly to their house. This is the only way I could think my address would be use with some of the people I associate with. I see on my reports old addresses, phone numbers and names that are not associated with me and would like for everything to be accurate. This will help my rebuilding process of my credit.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, the List of accounts has violated my rights. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Problem with paying off the loan

Have found a buyer for my loan. XXXX, my account with them XXXX. However US Bank will not let me sell my car to them because I am not purchasing a new car from them. US bank will not take the check from XXXX for full amount owed. Please help me
Complaint sub-issue: Account terms

I attempted to have XXXX as a internet provider. They tried several times to provide me with the service but could n't and had to remove the equipment from my home. They agreed there would be no charge but then I received a bill. I contacted them numerous times and they assured me I owed nothing and that they would take care of removing the charge. Now they have reported it as unpaid.
Complaint sub-issue: Frequent or repeated calls

Over the past 5 weeks, I have received a phone call at least once a day. The calls started on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The times are before XXXX XXXX  except for one at XXXX XXXX. The calls could have started before XX/XX/XXXX, but can't confirm. I called the XXXX number on my call log and they identified themselves as a collection agency. The company doesn't leave a message, and I DO NOT have any collections against me. I have also emailed the company and attempted to fill out something on their customer service site, but only to receive an error.
Complaint sub-issue: Problem with balance transfer

A balance transfer was inadvertently mailed to citbank that should have gone to another bank. The bin on the card belongs to citi but the card is not serviced by them. I have called repeatedly to try and get he funds returned back to the issuing bank or to the customer to no avail. The check was mailed on XX/XX/XXXX in the amount of {$2400.00}. The check was cashed on XX/XX/XXXX. I have a copy of the cleared item. I can even tell you what account it was credited to. Every time I call we are advised that someone will look into the matter and follow up. We have emailed, faxed and called. I have been calling in since XX/XX/XXXX. Each time customer service refuses to escalate the situation. 
XX/XX/XXXX XXXX XXXX provided case number XXXX stating XXXX would contact me within XXXX bus hours. 

XX/XX/XXXX XXXX XXXX advised he would contact me with a supervisor after holding to XXXX the call dropped XX/XX/XXXX XXXX XXXX escalated call to XXXX who told me to keep faxing never provided any fax number before ending the call. 
A fax was sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to XXXX. Attention : XXXX XXXX I have also faxed the payment research numbers provided by customer service XXXX & XXXX. 
We have attempted to call XXXX and left voicemails at XXXX # XXXX. 
I have emailed XXXX. We have tried to resolve this payment issue. I just need the funds returned back to the sender.
Complaint sub-issue: Account status incorrect

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Equifax Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( CXXXX XXXX bankruptcy ) XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX XXXX bankruptcy ) XXXX  XXXX Balance : $ 0Date Opened : XX/XX/XXXX {$0.00} ( XXXX XXXX bankruptcy ) XXXX  XXXX Bankruptcy Status : Discharged XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX  XXXX bankruptcy )
Complaint sub-issue: Account information incorrect

The account below is inaccurate on my Equifax consumer report ; it has no account name and only reports to one bureau. I believe you can't report an item if it lacks details, especially the account name. 

This item is violating my consumer rights under the Fair Credit Reporting Act. 

( XXXX XXXX : ) XXXX
Complaint sub-issue: Account opened as a result of fraud

Greetings, Citibank has been reporting to XXXX XXXX XXXX  that I opened a checking account that I never opened. We tried to get this resolved last year and I was unsuccessful so I'm doing another complaint with the CFPB. Citibank sent me a form in the mail requesting various information about the account ... I responded to them and sent them the requested documents and I never received a response from them. I'm really tired at this point of the inconsistency from Citibank.
Complaint sub-issue: Their investigation did not fix an error on your report

Citbank has refused to update XXXX of my settled less than full settlement I made on XX/XX/2021. They have acknowledged that theyve received the payment and that a settlement was reached. Yet they refuse to send that same notification to XXXX. This is a blatant attempt to continue to ruin my credit and prevent me from getting future loans. If the issue is not corrected appropriately I will be contacting my lawyer.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

I originally filed a complaint on XXXX and have a password but I was locked out of my college XXXX in XXXX and ran into more problems when enrolling at XXXX. Apparently since me and my husband are now separated and there are more issues w that- they need formal documentation of our separation that Texas doesnt have other than a divorce. 
When I was hacked XX/XX/2020 at XXXX XXXX my life unraveled and I lost all recourses in the form of work, school, family, vehicle and funds. I have begun unraveling documents and this is way to big for me and I had asked for legal shields help but was unable to communicate due to my accounts changing with passwords, internet router problems and all phone companies. There is something wrong w my taxes and I havent a clue what since that password changes all the time and getting help rom turbo tax is useless. My credit reports/freeze acts even changed. Anyways my complaint iD is XXXX. 
Please offer suggestions- thank you so much. 
XXXX XXXX XXXX