AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: ( Below is the last correspondence I sent to IQ data, that explains the nature of my complaint ) This Letter shall serve as formal notice of my Intent to file a lawsuit against IQ data, due to your blatant and objectionable disregard of the law. 

In correspondence dated XXXX, you received a demand for validation and cease communication letter from me delivered to you via certified mail. Your response merely contained verification of the debt and had no contractual agreements and original term agreements I had requested. Thereby this account was not validated. 

The FDCPA states you must cease collection activity until you have produced validation of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which you obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or you would have provided it by now. 

I 'm sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations your company is now responsible for. If not, let me point them out for you. 

FCRA1. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) - Duty to provide notice of dispute. 
2. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information. 

FDCPA1. 805. Communication in connection with debt collection [ 15USC1692c ] ( c ) Ceasing Communication2. 809. Validation of debts [ 15 USC 1692g ] As per the FDCPA : 813. Civil liability [ 15 USC 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding $ XXXXXXXXIf you wish to resolve this matter, this will be your last opportunity to do so. The account must be deleted from my credit files with the XXXX major credit reporting bureaus ( XXXX, XXXX, XXXX XXXX and XXXX ) within 2 weeks of your receipt of your receipt of this correspondence and you forward a letter stating the item will be removed and will not reappear on my credit reports again by you or another collection agency. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I received an automobile loan from Wachovia Bank XX/XX/XXXX, and paid that loan off XX/XX/XXXX, however I never received a lien satisfaction letter and the DMV was never sent the satisfaction. Wachovia no longer exits and was bought out by Wells Fargo. I have contacted Wells Fargo on multiple occasions to get a lien release however they can not find the account. In the meantime I am unable to sell the truck because I can not get a lien release. 

The whole experience has been very frustrating and confusing. I have been asked to submit a request in a writing but that could take 30 days or more to research. 

Company response: Company chooses not to provide a public response
Consumer complaint: i have a account that was that was a utlity account back in XXXX with XXXX company ... ..the account was paid and closed in XXXX ..i have contact experian on several occasions and disputed that date that the account was paid with the company ... .and it was not varified it was just updated every time the dispute was made to a more recent date ... XXXX failed to confirm the exact paid date ... ..just kept updating the information to the current date that it was disputed ... ..the account was never a charge off ... .the company failed to varify the correct information ... .and remove the trade line resulting in a more paid in full charge off when it should been removed because the company could not varify correct information ... 

Company response: Company chooses not to provide a public response
Consumer complaint: XXXX Report,XXXX when I went online to get a copy of my FREE rejport I put my information into the system several times without success, even thought I know for a fact that I put the information into the website correctly it would n't let access the information. I had to call a number which told me to To call a number and say my name and address, and it would be mailed to me in the next few weeks are you kidding? I need the information for something with my attorney. Then when it finally arrived I received a letter that said they are going to charge me {$8.00} for their error??? this was puzzling. This next thing is very important and needs Consumer Finance Govt. to look into why they are allowing this to happen when we are having such a FRAUD problem with reports all over the world ... 
XXXX This phone numbers have Absolutely nothing to do with the very sensitive information that is connected to our reports and should IMMEDIATELY be removed. When you call them the start telling you about gift cards and XXXX XXXX XXXX XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: This is in response to case number XXXX. I placed a complaint against Bank of America, and just got a summary of research from Bank of America. Am I really to expect that BOA would honestly and without prejudice conduct pure research into my complaint against them? Is there not an independent omsbudsman or review panel to investigate claims? In my original claim, I specifically stated that my case was mismanaged, and yet, the word " mismanage '' did not occur anywhere in the summary of their findings. Therefore, I argue that they had bias in conducting this research because of the omission of this claim. Furthermore, XXXX XXXX stated repeatedly how Bank of America wants customers " to be pleased '' with their service. Again, if this research was carried out independently, this is a statement that should not be made. XXXX XXXX stated that BOA was grateful for me paying off the loan in full, which is ironic because during the payout process, BOA " advisers '' suggested I should in fact do a short sale if I could not bring the full amount I owed to the closing. The simple fact that I am sking for {$5000.00} in forgiveness towards INTEREST - not principle mind you, but INTEREST - and BOA will not concede is frightening. {$5000.00} is less than XXXX XXXX of the BOA CEO 's paycheck. So BOA thanks me for saving them money by not conducting a short sale, but can not do any more than verbally acknowledge this point. 
In summary - I disagree with allowing BOA to conduct their own investigation as this is not impartial. They missed many facts including the main one that BOA mismanaged my account and summarily dismissed any short sale assistance because of incompetence by their agents. 

Company response: Company chooses not to provide a public response
Consumer complaint: CCS sent a letter stating I owe XXXX to XXXX, the policy cancel date shows as XXXX/XXXX/2015. The correct date is earlier, it appears the rep I spoke with chose to put a future cancel date of the XXXX instead of the day I called in. I do not owe XXXX, I thought I had money coming back to me. I no longer own the vehicle, it was sold prior to XXXX 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I have disputed an entry on my credit report with the XXXX major credit bureaus, but the information remains. It is a debt of over {$1000.00} from the collection agency XXXX out of XXXX. The debt they attempted to collect from me was fabricated by a leasing company known as XXXX XXXX out of XXXX, XXXX. I lived at XXXX XXXX for approximately 10 months in XXXX. Due to illegal and dangerous activity on the premise including illegal drug use, frequent verbal and physical fights in the common areas, my family being victims of theft on multiple occasions and a fire arm abandoned and recovered by police near the children 's playground area we moved out in XX/XX/XXXX, breaking our lease several month early. Although the property manager actually was the XXXX to suggest I move out when I brought the above concerns to her attention in XX/XX/XXXX, when we moved out the owner threatened to charge us for breaking our lease ( claiming the property manager did not have the authority to grant us permission to do so ) and when he was unable to collect rent for the months we no longer lived on the premises the company fabricated approximately {$1500.00} of " damages '' they claim the apartment sustained in retaliation for my complaints of illegal activity and for breaking out lease. I have XXXX photos of the condition of every room in the apartment on the day we moved out, including close-ups of the condition of built-in shelves and closets, which show there were no damages to the apartment at all. When my security deposit was withheld, I immediately contacted the owner 's office via phone, explained the situation and provided XXXX photographs of the apartment on the day we moved out showing no damages, ( I provided these via email to XXXX XXXX at XXXXXXXXXXXX ). My email was ignored so I later called and insisted on talking to the owner himself who was very angry and refused to take any action to correct the situation citing that he was still angry that we broke our lease and complained about the dangerous and illegal activities in the complex. XXXX XXXX withheld my {$500.00} security deposit and sold the remaining " debt '' of over {$1000.00} to XXXX XXXX. I informed the collection agency of all these details and was continually harassed on my cell phone, even after requesting they only contact me in writing. These charges from XXXX XXXX and the corresponding debt sold to XXXX XXXX is completely fraudulent. I am filing a concurrent complaint about XXXX XXXX 's debt collection practices and am filing a complaint to the FTC about the leasing company XXXX XXXX. I 'm attaching the XXXX photos of the apartment taken while we were in the process of moving out on our last day at the residence in 2014. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX I signed a Loan Modification with Bank of America. 
In XXXX Bank of America mailed me documents asking me to re-sign, when I called they informed me that they did not send the documentsand to please disregard. Every XXXX months I would receive the samedocuments and now in XXXX they inform me that there was in erroron the documents that were signed and I must re-sign. Now all ofthis has brought to my attention that there is a discrepancy withthe modification amount, a {$4000.00} difference. When I try todiscuss with them, no one can answer my question. I then callthe Dept. of HUD and they informed me that Bank of America hasalready been paid and if I sell or refinance I will pay Bankof America and Dept. of HUD. The modification amount was only {$4600.00} and Bank of America reports on my monthly statement {$8600.00}. When I ask for a break down, no one will help me, theyjust mail me letters stating I owe the {$8600.00} 

Company response: Company chooses not to provide a public response
Consumer complaint: I discovered in XXXX 2014 that my social security number had been used to open various accounts and attempted to open other lines of credit ( i.e. Credit cards, checking accounts ). A XXXX utility bill and a XXXX internet cable bill were opening in my name, also a bank account through XXXX bank and XXXX Bank. The local police department contacted me and stated they had found a credit card, a duplicate of my driver 's license, and a XXXX bill in my ex husband 's ( who Ive been divorced from for XXXX years ) house while searching it on a warrant. I have been the victim of identity theft, the perpetrator has not been prosecuted although police reports have been filed. I have lost work wages trying to dispute and fix the issue while my credit is now ruined. I placed fraud alerts on my credit bureau accounts and disputed the fraudulent accounts. I have not received responses from any credit bureau and the fraudulent accounts are still on my report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I disputed information on my Experian credit report and even provided fraud packets from the FTC with information confirming I was a victim of identity fraud. On my credit report there is an account for XXXX and duke energy that were fraudulently open. The credit bureau has taken no action to resolve the issue or remove the accounts. 

Company response: Company chooses not to provide a public response
Consumer complaint: Collector can not make any false, deceptive or misleading statements. 15 U.S.C. 1692e, e ( 10 ). 

Additionally, this alleged debt is IN DISPUTE, reference CFPB Case Number XXXX, and FTC Complaint Number XXXX and a CEASE and DESIST was requested of SLS, which is being IGNORED. 
SLS had defaulted in the last XXXX Debt Validation request issued by XXXX. SLS defective and non-responsive responses to XXXX DO NOT DEMONSTRATE that SLS has a legal standing to collect. Including herein the XXXX Debt Validation Request documents ; SLS remained SILENT making their OWN ADMISSION that their purported claims have no legal foundation. 
For purposes of disputing this latest presentment, SLS Statement dated XXXX/XXXX/15- XXXX had issued the XXXX DEBT VALIDATION REQUEST dated XXXX/XXXX/15, via fax transmission, and received at SLS Offices on XXXX/XXXX/15. 

Company response: Company chooses not to provide a public response
Consumer complaint: I recently submitted a complaint about my Macy 's account, regarding the Service Member Civil Relief Act being applied to my account. Some ajustments were made, however that is not the full amount that was owed to me. I joined the XXXX in XXXX of XXXX XXXX, went to the XXXX until XXXX XXXX. From XXXX XXXX to present, I 've been on XXXX. It 's XXXX years and a XXXX. I only received {$2000.00}. In XXXX, my fees were {$95.00} and interest {$410.00}. This year so far, my interest is {$180.00}. So its no way possible that the refunded amount that I received, covered fees, and interest for a XXXX year period. I do pay my account on time and just need Macy 's to fix this problem. It 's been six months, and I 'm still getting the run around ; why is this minor problem being such a hard fix for a mega store. My previous complaint number : XXXX. 

Thanks. 
XXXX XXXX, XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: Credit Report XXXX Item : XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. I have advised the credit bureaus that I did not have a XXXX account opened in XXXX. I have had XXXX for XXXX years now. I did have a XXXX account back in XXXX, this was part of my bankruptcy in XXXX. This charge for XXXX states it will be on my record until XXXX. I have lived in XXXX XXXX years, it would be easy just to ask when and where the charge occured. Can you please have this corrected? 

Company response: Company chooses not to provide a public response
Consumer complaint: US Bank removed the following feature from the terms of service after I paid an annual fee, specifically for this and other features. 
" Bonus Award Night - Redeem XXXX for XXXX or more consecutive Award Nights and the last night is free. Exclusively for cardmembers. 

Company response: Company chooses not to provide a public response
Consumer complaint: Fraudulent activity is reporting on my credit report from Experian, listing a joint account for an automobile from XXXX XXXX. This was part of identity theft I was victim of, and after exhausting all options, Expieran still reports this account on my credit report. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have fraudulent accounts listed on my credit report that do not belong to me. The following accounts do not belong to me : XXXX BANK XXXX, Account Number : # XXXX Collection XXXX Account Number : # XXXX XXXX XXXX, Account Number : # XXXX Of North Dakota, Account Number : # XXXX XXXX Bank XXXX XXXX, Account Number : # XXXX XXXX XXXX, Account Number : # XXXX XXXX XXXX, Account Number : # XXXX XXXX XXXX XXXX, Account Number : # XXXX XXXX, Account Number : # XXXX Bank, Account Number : # XXXX XXXX : # XXXX XXXX. XXXX : # XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: I have been renting a condo unit for 2 years. The original owner had passed away. The condo association. had Certificate of Title for the property and was renting to me. I have a signed lease thru XX/XX/XXXX.The condo went into foreclosure last year. On XXXX XXXX, XXXX, Ally Bank purchased the property. In XXXX XXXX, they sent a Demand for Possession letter stating that I may have additional rights under the Protecting Tenants Act of XX/XX/XXXX, and asked for my lease copy. My realtor sent both Ally Bank and their lawyer, XXXX XXXX XXXX, XXXX, FL, the lease, proof of my timely rent payments and a letter asking where my rent payments should now be sent. No response to this letter was ever received from either Ally Bank or XXXX XXXX XXXX. In XXXX XXXX a Motion to Issue a Writ of Possession was taped to my door. ( on my end, everyone involved, my realtor, the condo assoc. lawyer, realtor for new owner assured me that my signed lease had to be honored ). On XXXX XXXX, XXXX, a Writ of Possession was taped to my door. Calls to XXXX XXXX XXXX by my realtor, myself and a local lawyer were fruitless. XXXX NOW said they would NOT honor my lease as they deemed it " invalid '' as it was signed after the foreclosure process started. My lease was signed XXXX XXXX. Ally purchased the property XXXX XXXX. They had never stated this to either me or my realtor until XXXX XXXX. They would not grant me an extension. They told my realtor ( not me ) that the sheriff was coming the next day at XXXX to evict me. This was XXXX and I had to scramble to get movers and work all night to pack what I could. Both the sheriff and eviction crew were very kind and they waited while I moved out what I could. I am XXXX years old and Ally Bank and XXXX XXXX XXXX put me out on the street even though I had a signed lease, paid rent timely for 2 years, and kept their property in good condition. Their actions were reprehensible. People need to be aware of their tactics. I am asking Ally Bank to reimburse me for the {$2000.00} moving and storage costs and the {$500.00} in refrigerated and food items I had to leave. No dollar value can be placed on the personal items I had to leave ... things that were to be given to my grandchildren, or on the unnecessary stress I suffered. Instead of sending notices saying " send a copy of your valid lease '', which we did XXXX times, they could have easily told my or my realtor they deemed my lease invalid. I surely would have moved out. I was prepared to leave at lease end anyway as I assumed they would be selling the property. Ally Bank 's slogan is " bank human '' ... .I think they should re-think that one. They and XXXX XXXX XXXX did not have the decency to honor a signed lease for 3 more months. It was easier for them to evict an innocent XXXX. The public needs to know how they operate and give pause before dealing with them. F.Y.I ... If you have a signed lease on a foreclosed property ... .beware, it may do you no good. 

Company response: Company chooses not to provide a public response
Consumer complaint: Calls non-stop. Call work which can get me in trouble. Calls friends and relatives also with out any regard. Calls under many numbers with many names. Never leaves messages or any details. Possible fraud or scam. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: Bank of America is reporting an adverse credit card account on XXXX XXXX which I was placed as an " Authorized User ''. I wish to have this removed from my credit file and not be an authorized user on this account. I would like this deleted immediately off my credit file on XXXX XXXX and any other credit bureaus they are reporting this to. 

Company response: Company chooses not to provide a public response
Consumer complaint: Regions Mortgage is reporting my mortgage incorrectly to the credit bureau.
Company response: Company chooses not to provide a public response
Consumer complaint: Trans Union is reporting me as an " Authorized User '' on an adverse account of XXXX XXXX XXXX Credit Card. I do not wish to be an authorized user on this account nor associated with the person who owns this account. Please delete this trade line from my credit file as an Authorized User. 

Company response: Company chooses not to provide a public response
Consumer complaint: Trans Union is reporting a bad address that I never lived at. The bad address that I never lived at is being reported on my credit file as the following information:XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MO XXXXPlease Delete as I have never lived there and it is being reported since XX/XX/XXXX and my year born is XX/XX/XXXX which would have made me XXXX years old at the time. 

Company response: Company chooses not to provide a public response
Consumer complaint: When I was younger a man approached me and forced me to cash checks for him. It was XXXX separate checks at XXXX separate Bank of America locations. I told the bank what happened and whoever I spoke to told me that the fact that I was physically forced to cash the checks did not matter. I found that hard to believe and decided that I would not pay it because it in fact was a result of the actions previously mentioned. I also tried to file a police report of the incident at the time but because I had no information as to who the man was, the police could do nothing. 

Company response: Company chooses not to provide a public response
Consumer complaint: I have recently pulled out my credit profile from Experian company. I have found out XXXX or more accounts that are incorrect, I have contacted the credit report company, Experian, to ask them to investigate the incorrect accounts that affect my credit files. But Experian sent out the letter that said " we received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you ''. ( see attachment ), although I have enclosed my government ID and a recent electric bill. The reason I have sent many letters to ask Experian to investigate, because Experian has listed many incorrect items and infomation on my credit report. I can not send XXXX letter to ask Experian to investigate for XXXX or more items that are incorrect. It just does n't make any sense to me to receive this letter from Experian. They Just wanted me to dispute online via their website, and I did. But when I tried to dispute the incorrect account and they did n't let me do it. They said it was investigated for previous disputation. Now I try to access their online result to attach with this letter, but it said the system error ( see attachment ). I 'm not satified that. Please help me to resolve this matter. It affects my life, and make me distressful. 
Thank you so muchtruly Yours, XXXX XXXX 

Company response: Company chooses not to provide a public response