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

To Whom It May Concern : This letter is sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

I would also like to request, in writing, that no further telephone contact be made by your office to my home or to my place of employment. If your offices continue to attempt telephone communication with me it will be considered harassment and I will have no choice but to file suit.

All future communications with me MUST be done in writing and sent to the address noted in this letter.

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.

Best Regards
Complaint sub-issue: Account status incorrect

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$6800.00}
Complaint sub-issue: Investigation took more than 30 days

A letter was sent to challenge the items on my credit account 30 days ago. No response or acknowledgement of the the items protested was made.
Complaint sub-issue: Their investigation did not fix an error on your report

My student loans were in forbearance during the months of XXXX and XXXX of XXXX as well as XX/XX/XXXX. However, XXXX is still reporting these loans as late to the credit agencies. 

I have repeatedly disputed this by providing documentation to serve as a justification for my claim. Recently, in a letter dated XX/XX/XXXX ( that I did not receive until XX/XX/XXXX ), XXXX has responded that " after their investigation, they will not be removing the late payments. '' This is an unfair and illegal business practice as the information that they are providing to the credit agencies is incorrect ; they refuse to change the information even after being provided documentation to support my request of removing these late payments. XXXX 's inaccurate reporting has negatively affected my financial status and has caused me to unnecessarily lose money in the process.
Complaint sub-issue: Debt is not mine

I am disputing a credit charge from Allied Interstate LLC. in the amount of {$46.00}, which is included on Allied Interstate LLC statement dated XXXX XXXX, 2015. 
On XXXX XXXX, 2015, I called ( XXXX ) XXXX and I am disputing this charge and notice of collection. As I told the reprehensive, I do not have a XXXX account or username which this charge is billed. 
I asked for a number for XXXX and the representative gave me the wrong number to contact XXXX and I have no way to dispute these charges with XXXX. 
I believe this Allied Interstate LLC is fraudulently sending collection notices to consumers and trying to collect on XXXX accounts which do not exist. 
I have enclosed a copy of the Allied Interstate LLC bill with the disputed charge highlighted. and copies of my email correspondence Interstate Allied Interstate LLC. Please investigate this dispute and provide me with a written statement of the outcome. 
Thank you for your time and attention to this matter.
Complaint sub-issue: Information is missing that should be on the report

Equifax is stil not reporting everything on my credit ... there are numerous credit card account in good standing missing yet they are making sure they report collection accounts!! I have contacted them before about this and Im tired of playing these games with them!
Complaint sub-issue: Investigation took more than 30 days

In accordance with the Fair Credit Reporting act, XXXX  accounts XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Frequent or repeated calls

A person called my x-father-in-law 's home several times looking for me. They left a message on his home phone stating that it was very important that they speak with me and would he give me the message. They said they were calling from " XXXX XXXXXXXX XXXX '' and to call them back at XXXX. They also left a number, an account number maybe, of XXXX. The person who left the message was very bad English and it was difficult to get this information. Please note that I have never given my x-father-in-laws name or number to anyone as a reference so they had to look me up online to see people associated with me in my lifetime. I called on the weekend with no-answer. I just called again and the person who answered the phone didn't even give the name of the company, I had to ask him for it. The way that he answered the phone and conducted himself was very suspicious ; not like a legitimate company. 
He said it was XXXX XXXXXXXX. Then I asked him who was XXXX XXXXXXXX and he said it's a compliance company. Then I asked what kind of company it was and he said it was a legal firm and that one of their legal representatives must have tried to contact me. He did have my date of birth on record and didn't ask for my social security number - I wouldn't have given it to them anyway. He then said he would get someone to speak with me and left me on hold for quite some time so since I'm at work, I hung up. I see online that many people have been contacted by an F & M Capital and they have used abusive language and/or tried to collect what appears to be fraudulent funds from individuals. I think may be linked to a previous complaint of mine to CFPB for XXXX who stopped calling me after you got involved. If this company says that they are attempting to collect on behalf of XXXX XXXX XXXX, who I placed with a debt settlement company several years ago, that is a lie because I've contact XXXX twice and they are not collecting anything from me, do not know who these other people are and do not care.
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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX .... Balance : {$450.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX Balance Owed : {$2100.00} 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 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
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

Dear Sir/Madam, I have been Citi card members for a long time. I do not agree the way they treated me and perhaps others too. When I called their customer service for lowering my credit limit or closing my account without notifying me - why they are planning to close they arbitrally closed my account for Thank You Preferred Car ending on last 4 digit of XXXX. 
There reason was I did not use for 18 months when I called but I had just used it on XX/XX/XXXX and charged {$670.00} which their statement shows. 
Today XX/XX/XXXX I called them they said it was already closed and they would not reactivate my account anXXXX XXXX XXXX XXXXe I have to reapply- which will cause a credit inquiry and thus lower more my credit score. 
On this card they had without notifying me they had decreased my credit limit from XXXX to XXXX and now closed it. 
They rely on the worst Credit Bureau XXXX  which consistently gives lowest score among all 3 bureaus. I am sure XXXX does that to many more customers data. We all know they had the worst data breach. 
They had lowered also my XXXX XXXX card credit limit from {$5700.00} to XXXX and now {$1300.00} XXXX They also closed my XXXX XXXX XXXX without giving my any advance notice. 
I have always paid my bills on time - yes I do have higher usage of credits but they have been closing or reducing my credit limit which negatively affects my score. 
They are quick to jump on customer and they do not inquire what is going on before - they seem to just rely on numbers.
Complaint sub-issue: Investigation took more than 30 days

This account has never belonged to me! This account is unknown to me. I never entered into any agreement with this account. I should not be held responsible for this account because it is not my responsibility!
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX I received an encrypted email from Hunter Warfield stating I owed an alleged debt. 

XXXX I received a call from Hunter Warfield Debt Collector stating I owe the debt. At that time I requested by email that they provide with written documentation via mail to verify the debt.I also sent an email requesting this information as well. I also provided a screenshot of the documentation from the Property Manager XXXX XXXX with XXXX XXXX ( alleged original debtor ) who stated her and her regional manager ( RM ) approved that everything was zeroed out and voided approved by both of them, however the owner decided to put it back up after I was told that everything was voided. The lady I spoke with told me that they would be sending information over to original debtor based off what information I provided and that they would follow up with me via email. 

XXXX I sent a certified letter to Hunter Warfield requesting in writing that I receive written documentation of the debt along with other information important to the claim. Letter was sent with signature drop off. 

XXXX Certified letter was received by Hunter Warfield and was signed off by H Hunter as the person who signed for the letter. 

XXXX I receive an encrypted email again alleging I owe this debt. 

I never have received a written notice sent to me via Postal mail within 10 days of first contact. I also never received any verification once I sent the letter of request and it was received. I have sent an additional letter via certified mail as of XX/XX/2020 to request the information once again. 

I have also attached all information from the original debtor using scare tactics to get me to pay them for this alleged debt stating they would not be responsible for possible threats, harassment or illegal practices done to myself, my family or my place of employment. This has scared both myself and my family to know this could happen. I have attached information for them as well to get this resolved.
Complaint sub-issue: Reporting company used your report improperly

I applied for a credit card with Everbank. I got a email reply from the banker.
" I did hear back regarding the credit card and was told it was declined at this time. There is limited info that is shard with me, but he did say it wasnt the credit score and had more to do with public records. Most of the time that has to do with either collections or a charge off. Some items like that, even when paid off, will continue to show until you ask the company to remove it. They will send a letter that will explain the exact reason. '' I researched my public records and found nothing. I feel like I am being discriminated against.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX continues to furnish information on a credit report regarding repo. When the vehicle was retrieved, documents regarding bill sale after repossession. The company failed to comply with FCRA guidelines. Withholding information, continuing to tarnish credit and creditworthiness. The actions of the company will enable future opportunities to establish and rebuild credit.
Complaint sub-issue: Their investigation did not fix an error on your report

Citi is sending harassing letter told not to contact back in 2017 per NDR! Also sent letters to Credit Agencies and Creditors but still negative reporting and having third party contacting me for a debt no longer owed or under contact since 2017!
Complaint sub-issue: Debt was result of identity theft

I C System has been sending me collection notice in the amount of {$2300.00} the collection has been reported as pass due. I dont know this company. I have never done any business with this company. This company does not have a contract with my signature.
Complaint sub-issue: Information belongs to someone else

I Did Not Authorize any off These Accounts. this is fraud I'm a victim of Identity Theft. I'm a Student. I never use my credit or have I given any one Consent to open any account on my behalf
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX and Equifax Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and Equifax have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Complaint sub-issue: Problem with customer service

For 2 months I have gotten harassing emails stating there is a balance on my account when in fact I'm paid up and and head of schedule. When the first appeared I called customer service to ask about it and the representative could not say why and said a supervisor would get back to me. No one ever did. 

When the second arrived earlier this week I emailed instead to have something in writing and I was told I get the notice because the balance is there but not due. That does not make sense at all. Why all of sudden is a notification being sent that specifically says there is a balance? Of course this is alarming to anyone who takes their financial security seriously. I pay my bills on time and have from day XXXX. I do not understand this intimidation tactic. 

Additionally, they refuse to give details as to why I am ineligible for an interest rate reduction when I have a spotless payment record.
Complaint sub-issue: Information belongs to someone else

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This is very unacceptable and I want the fraud accounts removed ASAP!
Complaint sub-issue: Old information reappears or never goes away

To Whom It May Concern, On  X/XX/2017  I disputed an account reported by   XXXX   XXXX   XXXX   in the file you maintain under my Social Security number.
I was informed on   XXXX   that the item was deleted from my credit report.
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 ), you are required to notify me of the reinsertion in writing within 5 business days.
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
<P/>
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the BBB.
Please govern yourself accordingly.
Complaint sub-issue: Information belongs to someone else

THESE ACCOUNTS AND ADRESSES DOES NOT BELONG TO ME
Complaint sub-issue: Other problem

I have to state that I was pretty disappointed when US Bank took away the credit that was on my credit card through XXXX. 

I had a credit balance because US Bank would not accept payments of less than {$1.00} from my bank. And rather than refund the money ( like other credit cards do ) OR enjoy the interest they were making off my money, US Bank decided to keep all of my money with NO issuance of notice to me. US Bank has stated ( on XX/XX/2017 ) that there are regulations that require a refund of any credit balance held by the bank for 90 days. HOWEVER, it is US Bank 's policy to keep the money themselves rather than send out checks for less that {$1.00}. 

If I owed US Bank money, they would not hesitate to charge me with a {$38.00} late fee if I did n't pay an amount within 30 days. I have to ask - where is the equity in this action? 

While the amount may be small, for a company with 15.8 million customers ( XXXX XXXX XXXX ) and a quarterly revenue of {$300.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) this seems like a pretty petty thing to do to the customer, but a potenially large windfall to the company. 

I would love an explanation on how/why this is possible, Thank you XXXX XXXX
Complaint sub-issue: Information belongs to someone else

TO WHOM IT MAY CONCERN, I XXXX XXXX WAS A VICTIM OF IDENTITY THEFT MY HOME WAS VANDALIZE IN 2015, ALL MY PERSONAL INFORMATION WAS STOLEN AND BECAUSE OF THAT SEVERAL ACCOUNTS WAS OPENED AND A BANKRUPTCY WAS FILED IN MY NAME AND SOCIAL SECURITY NUMBER WITHOUT MY KNOWLEDGE OR PERMISSION. IM FILLING THIS FTC REPORT TO HAVE ALL ITEMS DELETED OFF OF MY CREDIT REPORT THIS IS HINDERING ME FROM MOVING FORWARD WITH LIFE AFTER BEING A VICTIM OF ROBBERY, AND IDENTITY THEFT.
Complaint sub-issue: Problem with fees

. I've been dealing with a problem with Citibank, three credit cards. They closed all three without any notice, claiming that there has been no payment received since XXXX of XXXX. I found out today that they citi card have been trying to pull payments out of an account that Isn't ours, some Account ending in XXXX. Also they supposedly received a call from someone on XX/XX/XXXX claiming to be XXXX who changed the account number for automatic payment. I spoke with someone named XXXX in their executive office who offered to remove the return payment fees totaling just over XXXX. But not the interest fees. I told her it's not acceptable since it's their error, She just said too bad take it or leave it. All I want is to pay them what I owe minus the interest and fees
Complaint sub-issue: Information belongs to someone else

The following credit inquiry listed on my Equifax credit report is a fraudulent and unauthorized credit inquiry : XXXX XXXXXXXX XXXX, XXXX, XX/XX/2022. The credit inquiry is not my credit inquiry.
Complaint sub-issue: Information belongs to someone else

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report.