Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

Dear SR or MADAM. I am writing to complain again my case. Because i was in the court on XXXX as you know i complained to XXXX  XXXX  XXXX  i had account # XXXX.I been paying for 2 years plus, which was for my debt with citibank credit card the account # XXXX .So they sent me transcripts of checks. The checks are pay to the order of CITI and below says for XXXXCITICORP CREDIT services, INC.IN the court they say does not prove the debt was paid because on the checks does not show this account - XXXX.So i have to back to court on XXXX. So i need to find out where the CITICORP. credit servises inc put those checks in. It should be applied for this account XXXX. And basically that is the complain to CITIBANK. Thank you so much.
Complaint sub-issue: Information belongs to someone else

To Whome It May Consern : This Letter Is regarding account XXXX XXXX Bal XXXX Setteled XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which you claim. This is Formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the out coming of my investigation that you submit, you are instructed to take no action that could be detrimental to any of my credit report. 

Failure to respond within 30 days of receipt of this certified letter may result in small claim legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for ; - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including bt not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Complaint sub-issue: Reporting company used your report improperly

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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Complaint sub-issue: Attempted to collect wrong amount

Hello. OnXX/XX/XXXX I returned a leased car over to XXXX XXXX XXXX XXXX and took another lease in exchange. It was a trade in. I entered into a new leasing agreement still in effect. I was told by the salesperson ( XXXX XXXX ) that since I was taking another car from the same dealer I did not have to pay any amount for returning the car to the dealer before the end of the lease. 
OnXX/XX/XXXXXX/XX/XXXX ( 14 months later ) I received a letter from a collection agency trying to collect a debt of {$800.00}. When I contacted them they told me that I owe that amount to XXXX because I returned my car before the end of the lease. I went immediately to the XXXX dealer and the Salesperson ( XXXX XXXX ) and the Manager ( XXXX XXXX ) both informed me that it was a mistake that XXXX made, they processed improperly the trade in paperwork and that 's why XXXX was charging me with that amount, but since that account was closed and sold to a collection agency they had nothing to do, meaning to say that the problem that they created is now mine and that I have to find a solution for something that they did wrong on their side.
Complaint sub-issue: Reporting company used your report improperly

For several years I have been a victim of fraudulent accounts and inaccurate reporting. 
XXXX XXXX XXXX XXXX XXXX  ) continues to falsely and inaccurately report negative items to my credit report. I have no contract with them, they have never done me any service, they have never provided me any product and I don't know who they are. After several attempts to contact them they failed to disclose an agreement or reply. 

I wrote to them on XX/XX/XXXX and sent a follow-up correspondence XX/XX/XXXX and another one XX/XX/XXXX and still have not heard anything. 

within the Fair credit reporting act as a consumer my rights have been breached which are supposed to be protected by the Fair credit reporting act. my privacy and confidentiality is at stake because of this false reporting. 

IN REGARDS TO XXXX ( XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX under 15 U.S.C 1681 section 602 A.

according to the section my rights of privacy are recognized.

under 15 U.S.C 1681 Section 604 A Section 2 : this section states that a consumer reporting agency can not furnish an account or item without the consumers written instruction. XXXX never had any instructions from me.

15 U.S.C 1681B- Section A under section A this states that the consumer must provide authorization for the agency to provide such report.

I never authorized XXXX to make such reports.

15 U.S.C 1681s-2 responsibilities of furnishers of information to consumer reporting agency. 
( a ) duty of furnishers of information to provide accurate information. 

inaccurate information is being reported By XXXX. 


I NEED THIS ACCOUNT DELETED
Complaint sub-issue: Confusing or missing disclosures

On XX/XX/XXXX I opened a checking account with Astoria Bank at XXXX XXXX XXXX XXXX. Everything went well and I was told that in two weeks I will received card in the mail. On XX/XX/XXXX, around XXXX XXXX I received a phone call from XXXX XXXX XXXX. She said that her manager found that part of the compliance was not answered. I asked what is that? She said : we need the name and address of your employer and I asked what for and she put her manager on the phone. The manager came on the phone and said that she needs it for compliance, she said we have to make sure there is no drug dealing and needs to control XXXX. I insist my account is private and I do n't want my employer involved. The manager said if you do n't provide your employer name and address, I will just have to close your account and she hang up. <P/>Also, when I opened the account on XX/XX/XXXX they asked to see my driven license and I told them not to copy my license and was told, if they can not copy it then they have to cancel the account. I also told the manager that I have account with other banks like XXXX XXXX and XXXX and no other bank ask for my employer 's name but them.
Complaint sub-issue: Investigation took more than 30 days

I've sent notices multiple times to the Credit Bureaus regarding Fraudulent accounts and they've yet to remove accounts. FTC Report was filed and submitted along with proof of my identity to XXXX, Equifax, & XXXX. XX/XX/22 and XX/XX/22. As a consumer I'm supposed to be protected and they have violated my rights. Due to their inability to remove items I've been denied a mortgage loan for me and my family. My next step is to file a lawsuit against the credit bureaus for 1. Defamation of character 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616. Civil liability for willful noncompliance 15 U.S.C. 61681n ]
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXXXXXX XXXX XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Complaint sub-issue: Personal information incorrect

Equifax is after several complaints and being provide the same documentation is requesting in writing proof of current legal address and legal name. This is my final attempt at correcting obvious errors on my Equifax Credit Report.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) 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 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Other problem

An erroneous electric payment in the amount of {$3600.00} was made in XXXX to my Citi Master Card from my XXXX bank account. I did not authorize this payment and notified the credit card company of the error. I explained that this error had created a dire situation for me by causing my bank account to be overdrawn and incur overdraft fees and that I was also unable to withdraw any cash. On XXXX XXXX, I was assured via a telephone conversation with a Citi representative that the funds would be returned to my bank account on an expedited basis. To date, those funds have not been returned and Citi is unable to advise me of a date on which the funds will be returned. I was advised that it was not possible for me to speak with anyone who had the authority to actually expedite this matter or even advise me as to when the funds would be returned to my account. 
To be clear, Citi was never entitled to this money and has no right to hold my funds for weeks on some pretense of performing some sort of investigation. 
Thank you for your attention. XXXX XXXX XXXX
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 XX/XX/2021 and 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
Complaint sub-issue: Problem with personal statement of dispute

Are you the original creditor? 
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Complaint sub-issue: Information belongs to someone else

I am intrested in disputing all unauthorized information on my credit report with Equifax. checking my file ive noticed alot of invalid information. this stopping me from approvals an moving forward. please update all information requested.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$84.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Complaint sub-issue: Problem during payment process

In XX/XX/1997 I went online with Citibank, After their representative had been very rude and unhelpful to me over the telephone, I cancelled my card. 
I agree online that they would stop deducting money from my account and would reimburse me the amounts I had not authorized. {$150.00}. 
And that they would deduct {$50.00} from my checking account on the XX/XX/XXXX of the month. 
They had overcharged me in XX/XX/XXXX and in XX/XX/XXXX. 
I tried sorting it out on the web, but this time they stipulated that I had to speak to a representative. 
I tried very hard to speak with the Citibank representative, but as they had been in the past - they were totally unhelpful. 
XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised over the past 4 months I have filed 4 complaints and  this is my FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. PLEASE DELETE THE XXXX XXXX ACCOUNT OF {$310.00} FROM MY CREDIT FILE IMMEDIATELY.
Complaint sub-issue: Account information incorrect

My student loan servicer is Great Lakes. I work in public service. I am trying to get a mortgage. The lender needs to see a non-zero payment amount on my credit report, so on XX/XX/XXXX, I contacted Great Lakes and was told they would report my correct monthly payment of {$230.00} if I took my loan out of the COVID freeze. 

I took my loan out of the COVID freeze and started making payments. However, Great Lakes has continued to report my monthly payments as {$0.00} rather than {$230.00} that shows on my Statement of Loan Obligation. I have repeatedly contacted Great Lakes and been told to wait until the end of the month and see if it fixes or to file a dispute. I did file a dispute, and Great Lakes again reported my payment as {$0.00}. I have records of call, chat, and email dates. 

Great Lakes has left me in a position that I'm making payments that are not in my interest to make ( I'm XXXX out of 10 years into a public service position and will presumably qualify for PSLF ) but unable to get a mortgage. I am unable to purchase a home. 

Please help.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 49 days later I have not received a response yet. I feel like Im being being ignored and taken advantage of. After taking some time to do research on this matter, I concluded that a failure to investigate these items within 30-45 days gives a reason to immediately remove those items from my credit report. It has been over 49 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation, due to the XXXX  you caused me.
Complaint sub-issue: Their investigation did not fix an error on your report

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. 

1. Unverified Account DEPT OF EDUCATIONXXXX Account Number : XXXX 2. Unverified Account DEPT OF EDUCATION/XXXX Account Number : XXXX 3. Unverified Account DEPT OF EDUCATIONXXXX Account Number : XXXX 4. Unverified Account XXXX XXXX XXXX Account Number : XXXX 5. Unverified Account XXXX XXXX XXXXXXXX Account Number : 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 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: 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 XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit 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 XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

They are saying I owe {$1800.00}, and the original responsibility of the debt is split between 3 people but the collection agency would not allow me to split the payment. They also continuously call during work hours when we have told them several times not to do that. If they dont contact me personally, they will contact my significant other and harass her with calls. They were repeatedly harassing me about my stimulus money, which I never received. I asked for a debt validation letter and they refused to give me one. I still have not received it. When I asked for it, I was treated very rudely on the phone and they quickly hung up. They absolutely refused to reduce the balance or make a payment plan.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed a XXXX XXXX and XXXX  account with every bureau, but specifically equifax for the past 90 days and they have done nothing! they have provided no proof of verification. i have sent several letters and contacted them. i HAVE ALSO CONTACTED THE CREDITORS DIRECTLY. The equifax staff hangs up on me and none of them offer assistance. I need XXXX  and XXXX XXXX removed. They have been removed from VERY bureau EXCEPT equifax who keeps updating those 2 FRAUDULENT, UNVERIFIABLE ACCOUNTS. I have attached proof of deletion from XXXX  and XXXX  of those two aforementioned accounts
Complaint sub-issue: Billing dispute for services

I was trying to open a bank account couldn't because of identity theft I can't get a bank account, can't get a replacement social security card, can't even get a direct deposit from past jobs so they got ta bend their rules to pay me in cash, can't get new jobs cause you need a copy of social security card on interviews, can't get loans or grants because of all the accounts and loans took out for houses cars boats etc. On my credit files and reports that I haven't even started so what is a person to do when your whole life is being ran fraudently by Government officials Judges, Cops, And Federal Government people Even Child Protective Services out of Ohio is a part of the nationwide scandal, starting fraudulent child support cases on my name social security number and account and I want a vast investigation going on and prosecutions of people all the people who are involved whether they are everyday people government foreign or domestic. I can't even live my life cause all the XXXX XXXX going on, yes im reporting on all of them.