Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Not given enough info to verify debt

On XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX XXXX ) was mailed a letter requesting validation of a deb they had sent me notice of. 
Validation was requested in a timely manner based on lawful requirements, made within 30-days of receipt of their notice dated XXXX XXXX and received XXXX XXXX XXXX. 
My communications with Debt Collectors is generally duplicated, involving BOTH fax and USPS Priorirty Mail ( which includes free tracking ). 

XXXX XXXX failed to provide any validation. 

XXXX XXXX proceeded with further collection activity as evidenced by their correspondence of XXXX XXXX XXXX demanding full payment of the {$990.00} they claimed to be owed. 

Pursuant to the FDCPA, All Collection Activity Was Immediately Stayed Once I Provided A Timely Request For Validation Until Such Time As Validation Is Provided. HOWEVER, XXXX XXXX proceeded to demand payment in full without providing any validation as requested and required. 

By proceeding with collection activity and demanding payment, XXXX XXXX did violate the FDCPA and XXXX XXXX did violate the XXXX XXXX Consent Order which XXXX XXXX voluntarily entered into with CFPB. 


On XXXX XXXX, XXXX XXXX did author correspondence to me, providing me copies of THREE billing statements claiming that such did validate their claim ALTHOUGH SAID STATEMENTS FAILED TO IDENTIFY ADEQUATE INFORMATION TO VRIFY TH LEGITAMACY OF THE ACCOUNT OR CHANRGES MADE TO THE ACCOUNT. 

On XXXX XXXX, IN A SEPARATE WRITTEN COMMUNICATION, XXXX XXXX also provided documents requesting additional information concerning possible identity theft or mis-use of the alleged account. 

BOTH letters DATED XXXX XXXX were received XXXX XXXX. 

ONE DAY LATER, on XXXX XXXX, XXXX XXXX did author correspondence informing me that I had failed to respond with the additional information they had " previously requested '' and advising me that they were unable to investigate any claims of identity theft without said information. Said notices also received XXXX XXXX XXXX. 

It is clearly UNREASONABLE to expect a person to respond with information and documents that were requested via US Mail ONE OR FEWER DAYS PRIOR, as clearly documents mailed on or after XXXX XXXX would not have been received by the alleged debtor as of XXXX XXXX. 

In that XXXX XXXX has elected to respond and act as if I am 100 % To Blame for all of the failures of XXXX XXXX .... I have elected to file formal complaints with the CFPB and with the State Attorney General 's Office. FURTHER, I am preserving all of my rights to file suit, directly or as a counter action, against XXXX XXXX and any other party who may contact me or attempt to collect this debt based on XXXX failure to provide debt validation as required prior to proceeding with collection activity and demand for payment. 

This matter has been turned over to my legal counsel. Any and all information and communications provided to XXXX XXXX will be done so by my legal counsel and will take place when and if counsel believes it to be in my best interest.
Complaint sub-issue: Personal information incorrect

According to 15 U.S. Code 1681e section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

There are multiple inaccuracies listed on my credit report from personal onformation, collection accounts, derogatory accounts and account statuses.
Complaint sub-issue: Debt is not yours

In XX/XX/2018 I disputed an inaccurate account on all XXXX of my credit reports, The inaccurate account is XXXX XXXX XXXXi # XXXX. All the credit bureaus reported back as the account was verified, I Then contacted the bank which the address that's listed on my credit report as XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX I sent the original creditor a Verification Letter asking for them to send me proof that they have my legal signature on the alleged account in the file.,,, i sent my certified letter on XXXX, XXXX 2018. They signed for the letter on XXXX, XXXX, 2018 ... .Todays date is XX/XX/2018 and they have failed to respond to my certified letter. They had 30 days to respond to the certified letter and they failed to provide me the documentation I asked for by law I am entitled to see and know what account they are saying is mines,,, I needed to see proof and I did my part,, they have violated my rights,,, I have copies of the letter that was sent and copies of the US Postal Service certified mail receipt, and a copy of the delivery noticed that they signed for my letter and today is the XXXX day,,, please delete this inaccurate account from my credit file. This is not Right that these companies don't respond to certified letters, I did my part,,,, and XXXX XXXX XXXX failed to do theirs..
Complaint sub-issue: Information belongs to someone else

To whom it may concern, I have made multiple attempts to reach out to Equifax to dispute several accounts that are inaccurate and unverifiable. I've attached the dispute letter which has received no response for over 60 days. Due to this delay and neglect, Equifax has failed to follow federal laws as outlined by the FCRA. These negative accounts have caused me much personal grief and I have attached my demand to comply letter which has also been ignored. I have proof of my letters being delivered on time through USPS certified mail. 
There is absolutely no valid excuse as to why Equifax has refused to respond. I would appreciate your help in resolving this issue and making Equifax comply with the federal laws made to protect consumers such as myself. Thank you.
Complaint sub-issue: Problem while selling or giving up the vehicle

I have been trying to get information from Ally Financial for months now. I requested information via mail and through the bureaus and they still do n't respond.
Complaint sub-issue: Their investigation did not fix an error on your report

Submitted dispute about state tax liens on my credit report with Equifax on XXXX XXXX, 2017. The tax liens have been released as of XXXX XXXX, 2017. Equifax refuses to remove said liens from my credit report even after showing proof of liens being released.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2019, I received a l collection notice from XXXX XXXX XXXX XXXX,  and I call and and spoke with a rep. and I told her that two other collection agency failed to provide Debt Validation of the {$850.00} that is required. I also told XXXX XXXX XXXX XXXX, rep that during the same time I was requesting Debt Validation from the two collection agency at same time one was sending noticed in an email and other by us mail which was harassing and confusing both collection agency was referencing over the phone that they was collecting on behalf of XXXX XXXX XXXX. The debt {$850.00} that is alleged that I owed to XXXX XXXX XXXX and as of today I dispute the debt of {$850.00} because of unfair trade practices and collection practices used by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, refused and delay and to accept my request to file a dispute against the merchant and XXXX XXXX XXXX provided false information and miss leading information as of the dispute status and the current amount owed at that time in letter to me. I asked that the Consumer Financial Protection look in this matter because XXXX XXXX XXXX is using several different names at same time to collect on {$850.00}, today I called XXXX XXXX XXXX XXXX-XXXX-XXXX who told me over the phone that I owed the debt to XXXX.
Complaint sub-issue: Debt is not yours

I received a Collection Letter Dated XX/XX/2022 from XXXX XXXX XXXX. Claiming that I owe an original Amount of {$2000.00} from XXXX, that was according to this letter is currently with Jefferson Capital Systems LLC. I disputed this debt years ago with the original creditor and XXXX. It was found in my favor years ago, XXXX did not authorize a return. I was then years later harassed by Jefferson Capitol about this debt. I filed a complaint and the collection stopped. Now Years later I am now getting a collection letter from XXXX about this XXXX Debt that I do not owe. I demand all attempts to collect immediately Stop. As per the letter, I am hereby filing a dispute by XX/XX/2022. I demand any negative reporting of this debt be removed from my credit reports.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2019 I requested made an online credit line increase for my Discover credit card account number ending in XXXX. I proceeded through the process of answering several questing pertaining to my finance until I reached the step where I was given an option to continue by clicking " OK '' or " CANCEL '' to the statement " a further review is required, do you agree to hard pull ''. I immediately selected " CANCEL '' and did not receive any further message regarding the request. Several minutes later a received alerts from both XXXX and XXXX XXXX that there was a recent credit inquiry on my account. I accessed those two credit reporting companies where the Discover Card Inquiry appeared. After contacting Discover Card, I was initially told by the representative that she did see the request did not proceed and apparently cancelled. After further disputing with that agent she directed me to a supervisor who agreed to initiate a dispute to XXXX to remove the Inquiry. The inquiry was definitely unauthorized.
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/XXXX. And now we are in the month of XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Complaint sub-issue: Debt was result of identity theft

Was hired by a company which I have all the records had a web page I checked everything was told was on 2 week period fot employment was to buy products send to another company in XXXX. I did they send me packingings slips they paid off 4 of my credit cards to use and there bank account to pay off once they recieved there goods about in 2 weeks they reversed the payments from the bank on my cards and now the cards are coming after me. I have called them many times with no luck it comes to almost XXXX the cards are XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX I will attached all the paper work below, I have filed a police report FDIC It is ruining my credit because I refuse to pay. 

Thank you
Complaint sub-issue: Reporting company used your report improperly

I sent in letters to all three credit bureaus to have the bankruptcy taken off my report because its causing me a world of trouble. As of today XXXX took the bankruptcy off my report but equifax and XXXX will not follow suit. This should not be reporting my my credit report because they cant verify the information. I want this deleted!
Complaint sub-issue: Account information incorrect

XXXX and Equifax are both reporting a missed loan payment from XXXX for XX/XX/XXXX. I graduated XXXX on XX/XX/XXXX, with a 6 month grace period and my loans did not enter repayment status until XX/XX/XXXX. They reported 5 missed payments ( 5 separate disbursement loans ) and charged late fees on all of them. In addition, I was never given a payment option below $ XXXX- {$600.00} and could not afford it at the time. They continually put my loans into forbarence, which has resulted in an large amount of interest also. I cant afford my monthly payments at this point, and they are not willing to do anything to fix their mistakes. My credit report has suffered greatly because of this.
Complaint sub-issue: Old information reappears or never goes away

So I Lost my wallet in the year of 2013 when i turned 18 and went to apply for something i seen my credit had been breached and someone was using my names for multiple reasons i have also proved this to bureuas and everything have been verified and got removed including this. and now its back on my credit lowering my points even more because its appearing as just happened which isn't cool because its like haunting me now and not going away when it just was gone im lost.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

on XX/XX/15 my entire cash balance of XXXX was transferred to another bank debit card at XXXX of which I hhave never done business.. The day before this or these hackers tried to move my money to a different Visa Debit card but it was not the right card or something. On that day, for the first tiime in over a year and half my account information was deleted, name, bank, phone, email etc and replaced with someone who used the name XXXX XXXX which doesn't seem a legal name. I have never been able to get the name of the bank card holder but it wasn't me.. This is just a few bits of the story but this bank obviously does not have protections to prevent my money bbeing transferred to a foreigh bank. Not a purchase for something. Transfer of all my monney. Local PD has report. I have never given my phone pin or the pin for the Cash App. There is not appropriate safety measures to protect our mooney and they have not replaced it provisionally. They say they can't determine if or not it was authorized. They have more than enough documentation and history to see I was robbed and I am victim. Stop thiis aand restore my financial position.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Complaint sub-issue: Reporting company used your report improperly

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

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquires have been posted on my credit report without my permission, which violates my rights. 

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Old information reappears or never goes away

I have 42 hard inquiries most of them werent authorized but besides the point the number of hard inquiries is not reporting ACCURATELY across all 3 bureaus. This is stopping me from a fair/accurate credit report.
Complaint sub-issue: Information is missing that should be on the report

The information is incomplete, please do a Validation XXXX XXXX Reported : XX/XX/2019. 
{$91000.00}
Complaint sub-issue: Not given enough info to verify debt

{$410.00} is the amount that the collection agency with the business name of ERC is currently trying to collect from me. I do not agree with that amount, for XXXX wrongfully biilled my family for early termination of mobile phone contract fee of {$200.00}, which we refused to pay, and now the amount is {$400.00}. When i called ERC they failed to disclose where the other {$210.00} in debt originated from. I think it is necessary to get the documentation showing that they are the appointed collection agency that is collecting on behalf of XXXX, and to disclose documentiation to me that shows what attributes to the {$410.00} in debt, for what I understand is that only {$200.00} should have been billed for the early termination fee of contract, and not {$410.00}. 

Can you contact the collection agency and explain to them that they need to show. 
1. proof of having the right to practice as a collection agency in california , i would like to see this 2. proof of the debt that they now are collecting from XXXX, a document stating the amount that I owe and what i am being billed for Without these documents I refuse to pay any money to ERC. 
Please let them know if they do not show proof, they need to delete the debt from my credit report. 

Thank you. 

COLLECTION AGENCY NAME AND ADDRESS ERC XXXX FL | XXXX XXXX
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX ( XXXX ) has been inaccurately reporting myself as an authorized user for a credit card when I received confirmation on XX/XX/2021 that I had been removed. This fraudulent reporting has cost me hundreds if not thousands of dollars and negatively impacted all 3 of my credit scores.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX,
Complaint sub-issue: Deposits and withdrawals

I'm a military XXXX who has been assigned overseas with my dependent. I've arrived in XXXX XXXX and need funds for our livelihood. I've been trying to move funds out of my citi account for this exact purpose but they have been impossible to work with. ACH Transfer limit is set at XXXX per month and if I were to transfer a larger amount, the representatives keep stating the only option is Wire transfer with an unavoidable fee. When I try to make the wire transfer, the website states my access has been blocked and to call customer service. When I call the customer service, I spent an hour with the wire transfer technical support who could not help me. After I was referred to the fraud department, I waited another half hour to hear that there's nothing they can do and I need to talk to customer service again to discuss my options on other types of transfer. In all these activities, I kept being restricted and blocked and ended up spending more than XXXX XXXX. My wife 's account has the same issue and the bank has restricted her wire transfer to herself. I just want my money so that I can use it to get an apartment and a car in this new country and citi has been anything but helpful in this process. I really want to move my money asap and close my accounts in Citi.
Complaint sub-issue: Trouble with how payments are being handled

On my account I am nearly at my 120 payments for public service loan forgiveness. In XX/XX/2017 my number of payments was incorrect and I learned in XX/XX/2017 ( almost 15 months ago ) that approximatley 6 to 8 payments were not counted despite being on auto deduct. I was told a manual review would take 90 days and it is STILL pending. By my calculations my 120 payment will be done come this XXXX XXXX or XXXX. I need my account to be reviewed ASAP and the correct payments posted so I can file for the forgiveness. I have called every few months and get the same explanation each time but nobody has helped.
Complaint sub-issue: Was not notified of investigation status or results

CFPB complaint template. 

have sent multiple requests for investigations into items on my credit reports that are reporting incorrectly. The bureau has not only ignored my requests, but they have refused to send me documentation on how they have verified information on my reports. 

I have sent letters on XX/XX/2021, XX/XX/2021. In the final letter on XX/XX/2021 I explained that if they continued to ignore my requests I would be forced to file a complaint and have my attorney file a suit against them for infringing on my FCRA rights. 

The following items need to be removed immediately. I have allowed more than the time that is legally allowed to complete an investigation. If these Items aren't removed immediately I will file a suit against the bureau. 

Creditor : XXXX XXXX, Account : XXXX Reason : Account is reporting inconsistent and inaccurate Account is reporting inconsistent and inaccurate I asked that this account be verified but you obviously did not do that. This account needs to be removed from my credit report immediately as it is reporting many inaccurate things. Including last reported and the last active date. By not removing this account and reporting it as accurate you are breaking the law
Complaint sub-issue: Other problem getting your report or credit score

The problem is with Equifax and I have tried to contact them for almost two years to correct information and unfortunately I have no success with this company. Recently, on XX/XX/XXXX, they asked me for documents, letters and ect. to verify my identity I sent them again for two previous years sending them to try to solve this problem and even having the documents they requested letters and the. correct information speaking with the correct representatives with supervisors they still tell me that I have to wait and keep waiting to update my information and to have access to my credit information something that seems impossible to me and with a lot of disrespect they simply tell you you have to wait. How much time should I wait to see my information? My credit report is my right. Something is being violated. Please, I need help. I need to use my credit. This is affecting my life and my chances of growing and my job.
Complaint sub-issue: Received bad information about your loan

I consolidated my loans in XX/XX/XXXX to the Public Service Loan Forgiveness program. I have 2 letters from XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX stating I chose the Income Contingent payment plan - which is the correct plan.Fed Loan is not counting I filed a complaint and had my case " escalated '' and they are still not counting the payments made from XX/XX/XXXX - XX/XX/XXXX. I have documentation of the payments made and a letter stating my payments would start XX/XX/XXXX. 
I received a letter from Fedloan regarding my case and they still refuse to accept those payments. 
I have documentation of all my payments made and correspondence between me and the student loan companies for the past 10 years.