Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

I would like to file a formal complaint against IQ. Data International Inc, for unfair practices in attempt to collect allege debt which was disputed as fraudulent not belonging to me. 

On or around XX/XX/2021, I received a notification from my credit monitoring services IQ Data International placed a major derogatory collection item in the amount of {$570.00}, on my Equifax credit report, which I immediately denied as fraudulent not belonging to me. ( see attachment ) Please note IQ Data International violated the FCRA & FDCPA refused to send written correspondence to consumers home address, denied consumers right to dispute said debt prior to reporting to credit bureaus.

I immediately reached out to IQ Data International requested validation of said debt, not a standard letter with amount which consumer have every legal right for detailed information regarding collection activities. ( see attached letter ) To date IQ Data International is refusing to validate said debt as outlined in my letter dated XX/XX/2021, and refused to remove the derogatory collection item from my credit reports in direct violation of FRCA & FDCPA. 

Therefore, I am requesting your office to investigate this unfair practice and if found in violation enact or enforce laws to protect consumers from this abusive practice.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I submitted a dispute with XXXX, XXXX and Equifax asking to send me verifiable and accurate information. They didn't do that. Instead they sent me the same thing that was said online. 
They violated my rights and I am extremely angry. I read that in 15 U.S.C 1681 Section 604 A Section 2 it says that a consumer reporting agency can not furnish a account without my written instructions. I asked for that information and they didn't send me that either!
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/2021 and XX/XX/2021 I disputed an account reported by XXXX XXXX XXXX in the file Equifax maintains under my Social Security number. 
On XX/XX/XXXX they responded showing the item was reporting. Again, on XX/XX/XXXX they stated it was verified. Then, I was informed on XX/XX/2021 that the item was not reporting on my credit report and they sent a letter showing it was actually deleted ( See attachment for documentation ). 
Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), Equifax was required to notify me of the reinsertion in writing within 5 business days and they DID NOT. I wrote them a letter on XX/XX/2021 informing them of the above information and they responded on XX/XX/2021 just saying the information was validated. The company reporting this information agreed via a better business bureau claim, to submit a request to have this account removed and actually did so, which is why it was deleted initially. Equifax is in violation of FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) and I demand this account be deleted from my equifax credit report
Complaint sub-issue: Debt is not yours

I have no recollection of ever belonging to me with these collectors/creditors. I have asked to submit proprietorship verification on numerous occasions, but they have not yet agreed to my proposal.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Equifax Credit Bureau last XX/XX/2021, and I have not received any response from them. That means Equifax has failed to comply with the Fair Credit Reporting Act law and continuously reported inaccurate information on my Credit Report. Here are the concerned accounts that need to remove completely from my Credit Report : XXXXBalance {$590.00} XXXX-Balance {$0.00}
Complaint sub-issue: Card was charged for something you did not purchase with the card

I received a bill on my account with XXXX XXXX in late XX/XX/XXXX. 
Payment was due XX/XX/XXXX. 
There was a charge on XXXX XXXX, XXXX, for {$530.00} at XXXX in XXXX, California. All other charges in XX/XX/XXXX were in the XXXX metropolitan area where I live. I did not make a charge at XXXX at XXXX, California. 

In XX/XX/XXXX, I was treating for XXXX and COVID was raging. No travel was advised and I did not travel during that time. I did not purchase the phone in XXXX, California. The credit card said it was an in-person purchase. A review of any security tape will show that it was not me. 

I immediately challenged the charge with XXXX XXXX  Company. I have had this credit card for 30 years and have never had a similar problem. I have always paid my bill in full. 

In a letter dated, XX/XX/XXXX, the credit card denied my disputed charge. 

I would like to appeal this charge as I did not make it.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

SUMMARY : 1. 3 1/2 YEARS OF CONTINUED FRAUD NO ACCESS TO ONLINE BANKING ; & 2. BLOCKAGE ON THE CARD STATEMENTS ONLINE & REQUESTS FOR STATEMENT REFUSED TO BE SENT ; & 3. FAILURE TO CORRECT FRAUDULENT TRANSACTIONS & /OR DISCLOSURE THE TRANSACTION ON A WRITTEN STATEMENTS ; & 4. BALANCE & PAYMENT AMOUNTS NO ACCESS & REFUSED WHEN I CALL INTO THE COMPANY ; & 5. NEGATIVE CREDIT REPORTS WITHOUT ACCESS ; & 6. NEGATIVE PAYMENT HISTORY NO ACCESS ONLINE OR CALL IN ; & 7. THE CARD HAS PRIVACY ISSUES, AS IT APPEARS THE ACCOUNT HAS BEEN TAKEN OVER BY A 3RD PARTY FOR A PERIOD OF 3 1/2 YEARS THIS HAS BEEN CONTINUOUS & ONGOING.

TO MY KNOWLEDGE THERE IS NO CITIBANK MASTERCARD. I DID NOT ASK FOR A CHANGE FROM CITIBANK VISA MY ORIGINAL CARD TO CITIBANK MASTERCARD. NO TERMS WERE ISSUED OR ANY OTHER DISCLOSURES. I BELIEVE THIS CARD IS ISSUED IN FRAUD & ACCOUNT IS TAKEN OVER BY A 3RD PARTY.
Complaint sub-issue: Investigation took more than 30 days

I was taken advantage of due to malpractice. While several FederaXXXX laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXXXXXX loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted. 

The FCRA ( federal law ) says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries. And when I challenge these inquiries, it's called opening a dispute. The company pulling the consumer credit must provide documented proof, for example a document with my signature on it, that I authorized and provided consent for the hard inquiry. If your company fail to provide this documentation, then XXXX, XXXX, and XXXX must remove these inquiries from my credit report.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2021 I received a call from KeyBank Fraud department. It was not a scam. Someone in OH fraudulently withdrew {$2500.00} from my checking account. Went to the branch immediately and filed fraud paperwork and affidavit. Opened a new a checking account and froze old account. I was told approximately 10 days for resolution. It is now 25 days and KeyBank keeps telling me they are still investigating. It's not like it's {$100.00} .... it's a lot of money. I have been in contact with the branch manager in XXXX CT who continues to say 'it is still under review '. On XX/XX/2021 I received a drivers license in the mail from OH. My name, my address, my DL # my DOB, but not my picture. BTW - I live in CT. KeyBank wasn't too interested in this information. I have bills to pay and I have asked for them to deposit {$2500.00} into my account to no avail.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report.To this day over 46 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) is is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 46 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands of the wrong person.
Complaint sub-issue: Credit denial

Dear Ally Financial I, the consumer and natural person, was denied credit by Ally Financial when I applied for a Auto Loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Ally Financial due to the response I received. Ally Financial is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Ally Financial. If Ally Financial fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Ally Financial criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. I will also follow up with an invoice for said violations ( {$10000.00} } per violation ). Thank you. XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Complaint sub-issue: Not disclosed as an attempt to collect

I get a collection account under my name with Hunter Warfield Inc but I do not know this company. I want this collection to stop calling me and harassing me on the phone and I want this debt to be removed immediately from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXXXXXX 2021and still nothing from them. That means Equifax has NOT complied with the Fair credit reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Personal information

Equifax is reporting an incorrect social security number on my credit report SSS : XXXX
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$500.00}
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018 I submitted a complaint to Credit Bureau XXXX/Equifax and XXXX about errors on my credit report. Recently I received a completed report from them. I had requested Validation and accuracy of a XXXX account # XXXX. Under Federal Law, I have the right to see in writting how XXXX/Equifax and XXXX Validated the accuracy of this negative collection account. This was a paid on time account and closed. XXXX/XXXX and Equifax has failed to provide me proof documentation from XXXX. The 30 days exceeded.
Complaint sub-issue: Debt is not yours

The company in question is I C System of whom which is attempting to collect a debt for XXXX and XXXX. I have disputed these accounts with all credit reporting agencies ( XXXX, XXXX, XXXX ) as well as with the debt collector ( IC System ) directly asking them to verify the debt of which they have failed to do within the 30 day time frame given. One account XXXX XXXX ) was deleted from my credit file In XX/XX/2022 as the result of a dispute made with the credit reporting agencies, but as of recent the debt has reappeared on my credit file under a new debt collector named XXXX XXXX XXXX. It is my assumption that IC system has sold the debt to a third party in an attempt to keep the invalidated accounts on my credit file while avoiding having to verify the debt or be held accountable. As of XX/XX/2022 this new debt collection agency is now re-reporting this unverified debt that was deleted on my credit report! The other account in question ( XXXX ) still remains on my credit report unchanged and unverified.
Complaint sub-issue: Can't temporarily delay making payments

My student loan account had a 60 day forbearance applied twice in an effort to postpone any full payments while my income driven application was processed. I called on XX/XX/XXXX to confirm forbearance and I also cancelled direct deposit to ensure full payment was not deducted. On XX/XX/XXXX ACH debits for {$310.00} and {$480.00} were authorized to my checking account. I called on XX/XX/XXXX and the rep I spoke with said that fedloanservicing could not issue a refund until the payments post on their system and assured me to call back tomorrow ( XXXX ) and the payments would be refunded. I called today XXXX around XXXX and spoke to XXXX XXXX XXXX who transferred me to XXXX XXXX who said she was transferring me to a manager but disconnected the call. I called again XXXX around XXXX and spoke to XXXX XXXX who transferred me to a manager XXXX XXXX. XXXX confirmed that though I called on XX/XX/XXXX, my forbearance wasnt processed until XXXX and my direct deposit wasnt processed until XXXX. She said the refund request will take 60-90 days instead of the 48-72 hours quoted by the initial rep. She also said no overdraft fees or NSF fees that the bank imposes would be refunded to my account. Most egregiously, XXXX said that there was no further dispute resolution process or no other person/department I could speak with to expedite this refund request. I did request the address to FedLoanServicing Legal department, for which she gave me the corporate address, FedLoanServicing XXXX. XXXX XXXX XXXX, PA XXXX XXXX. These two payments / ACH debits have wreaked havoc on my checking account. I followed the proper steps to not only halt any full payments ( for which I did not have the funds to pay ) but also cancel the direct debit payments outright, just in case there were any issues. How then, is it reasonable or legal for a student loan Servicer to neglect processing payment/loan changes and the financial fees/burden be imposed on the borrower? This is plain negligence.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize or apply for anything from Ally Financial I called them and they also acknowledged that I did not apply this company is on my credit report not once but twice.. why would a person reapply at a place if they were denied once already it is clearly a error
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

Omnipoint managment collected {$120.00}, then payments of $ XXXX monthly to collect for a debt of {$1000.00} it seems for a law firm. They were not the collectors of the debt. It was fraud.
Complaint sub-issue: Not given enough info to verify debt

Jefferson Capital Systems listed an old ( un-owed and unsubstantiated ) debt in my report without any notice. The original claim was from 2008, and the orginal collector could never furnish any data to prove this. Jefferson Capital bought this debt and is listing in my credit report as new, has never contacted me, or provided evidence of what makes up this amount. This item should be removed from my credit report and this company should be fined. It now appears XXXX times on my credit report, even though it ( 1 ) should not be there in the first place, ( 2 ) the debtor sold it to a third party, and the third party is trying to claim this is new without contacting me or providing evidence.
Complaint sub-issue: Company closed your account

XX/XX/2022 financial company " Wise '', registration ( XXXX XXXX " XXXX '' - XXXX number XXXX ). Closed my account. My Wise account is XXXX. 
At the time of closing the account, there was an amount of {$650.00} on the account, as of XX/XX/2022. Wise did not refund my money, and did not provide my account statements, as of closing date XX/XX/2022. 
Transactions for which Wise did not provide statements ( these are internal transfers ( receipt to the account ) made in Wise ) : Sell XXXX USD XXXX Wise ( TransferWise ) XXXX XXXX XXXX Successful Sell {$21.00} XXXX Wise ( TransferWise ) XXXX XXXX XXXX Successful Sell XXXX XXXX Wise ( TransferWise ) XXXX XXXX XXXX Successful Sell XXXX USD XXXX Wise ( TransferWise ) XXXX XXXX XXXX Successful Sell XXXX XXXX Wise ( TransferWise ) XXXX XXXX XXXX Successful There is also a video from the screen, my account on the day the account was closed. Statements for these transactions, for which these transfers were made to me, through the Wise financial company and statements from the Wise company itself until the account was closed. 
At the time of closing the account, there was an amount of {$650.00} on the account, as of XX/XX/2022. Wise did not refund my money, and did not provide my account statements, as of closing date XX/XX/2022.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to Equifax, XXXX and XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 106 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. FLAGSHIP CREDIT ACCEPTAN Inquiry : XXXX XXXX, 2020, XXXX XXXX Inquiry : XXXX XXXX, 2020, XXXX XXXX Inquiry : XXXX XXXX, 2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Complaint sub-issue: Received bad information about your loan

In XX/XX/2018, I submitted income information to XXXX XXXX for my husband and I. We both have student loans and both are serviced by XXXX. With our income driven repayment plan, the payment amount is supposed to include our combined debt with our combined income. My husband 's monthly payment went up slightly, as expected with a slight increase in our income in the last year. My monthly payment more than doubled from {$250.00} to over {$500.00}. When I contacted XXXX, it appears that while my husband 's was calculated correctly, mine was not. It did not include the combined loan debt and combined income in the calculation. I spent over an hour on the phone and it will take several weeks to get resolved. I work in XXXX XXXX and am very familiar with the process and knew what our estimated combined monthly payment should be. For someone not as familiar, this mistake could result in someone not paying their loans or not knowing how to proceed or what questions to ask. I encourage all student loan borrowers in income-based repayment to be aware of the recalculations ; if your income increases slightly, your monthly payment should correlate.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

On XX/XX/2020 I called Kroger XXXX, XXXX, XXXX credit card company and requested to have my credit card deferred. At that time, I was told my card would be deferred for 3 months with no interest or fees. 

I received my first bill after my request was made and I was surprised to find an interest charge for {$23.00} had been applied on my statement. Shortly thereafter I phoned the company and spoke with XXXX after explaining I was transferred to the supervisor XXXX who then told me I would be receiving a call from XXXX ID # XXXX. I received the call on Tuesday XX/XX/2020. She told me that her company had a different definition for deferring credit cards. Please tell me sir how can a company create their own definition for a word to suit the company? 

I understand the difference is the following : DEFERMENT vs. FORBEARANCE Credit card deferment describes a situation where you are able to skip your payments for a limited time, yet interest does not accrue on your balances. 

Credit card forbearance, on the other hand, describes a situation where you are able to skip payments on your credit card for a limited time, yet interest does accrue. 
Therefore, I feel as if I have been misled and the company refuse to acknowledge this fact. I would like this matter reviewed and corrected. 
I can be reached at ( XXXX ) XXXX or email me at ( XXXX ) I appreciate any help you can offer, thanks.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Account Number XXXX has violated my rights 15 U.S.C 1681 Section 602 A state that I have a right to privacy.

15 U.S.C 1681 Section 604 A states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Account status incorrect

Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$950.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full and should be reporting a {$0.00} balance. This account needs to be updated to report accurate information. This false reporting of a collection is seriously harming my credit score and this line item needs to be updated and/or removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Complaint sub-issue: Debt is not mine

I have no knowledge of the debt, my account with XXXX bureaus such as XXXX and XXXX has a fraud alert on it.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are currently numerous inquiries listed on my credit report that I have no knowledge of. These inquiries were not authorized or initiated by me and was a result of identity theft or malpractice.