Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive notice of right to dispute

RAS LaVrar , LLC : This letter is being sent to you in response to a notice sent to me on ( XX/XX/18 ) or in r. Be advised 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 ) 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 ( Equifax, Experian or TransUnion ) 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, to be made by your offices to my home or to my place of employment. If your offices continue to attempt telephone communication with me or coming to my home to serve court documents 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, XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

Under the new law effective XX/XX/2017 any and all public record data must include name, address, SSN or full DOB for it to appear in your credit report. The credit bureau has not updated the information and per the new law the Bankruptcy listed does not include this information and therefore should be deleted from my credit report.
Complaint sub-issue: Information is missing that should be on the report

According to the Fair Credit Reporting Act ( FCRA ), Section 602 ( b ), I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I am requesting that my positive payment history to be added. This will justly reflect my payment history. Therefore, I request that Equifax immediately verify and add the enclosed payment history to my credit file. ( Enclose proof from Creditor ).

ALL ACCOUNT BELOW SHOULD BE ADDED TO MY REPORT : 1. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Please ADD this ACCOINT to my REPORT as a POSITIVE account Immediately! 
XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Please ADD this ACCOINT to my REPORT as a POSITIVE account Immediately! 

3. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Please ADD this Account to my REPORT as a POSITIVE account Immediately! 
Please notify me within 30 days that the additional credit information has been added by sending an updated copy of my credit history report to my address above.
Complaint sub-issue: Report improperly shared by CRC

XXXX and XXXX both falsely assured us that they were not going to check our credit records. The said that a soft inquiery would not show up on our credit report.
Complaint sub-issue: Was not notified of investigation status or results

I have sent 2 letters to Equifax. the first dated XX/XX/2021 and the second XX/XX/2021. I have not received a response to my letters and today is XX/XX/2021. They have 30 days to respond to a consumer and they are not following the laws of FCRA.
Complaint sub-issue: Account information incorrect

I have been disputing accounts with the bureaus for some months now and have not received any letters or results. I have inaccurate items on my credit file, including past the statue debt. It's been a few months and I haven't received anything in the mail, email or received any correspondence. I know that Covid is causing a delay in everything but I would appreciate if this was taken care of.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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: Money was taken from your account on the wrong day or for the wrong amount

Fax # XXXX ATTN : Debit Card XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Transaction date XX/XX/2020 for {$220.00} I want to dispute this transaction because after the seller sent me a bill for {$220.00} via XXXX and I paid it. The seller stated that XXXX isnt releasing the money until I receive the product and he wanted me to go on the website and lie and state that I received the merchandise. I told him no. I called XXXX on a 3-way with the seller after they verified him he requested that they send me the money back they stated that they couldnt Ill have to say that I received the merchandise, I told them the same thing I told the seller No. The seller hung up and I called Citibank on 3-way with XXXX and the rep from XXXX told the dispute rep from Citibank what happened. At that time rep from Citibank told me do not say I received the merchandise and theyll place a dispute on my behalf. I was told I would be given a provisional credit. Its now day 9 I havent received a provisional credit nor the merchandise. I need my money back ASAP. Every time I have to dispute with Citibank its like pulling teeth. Clearly they know Im not lying as they spoke to XXXX on a recorded line. Please listen to the call.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account  # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX violated my rights 15 U.S.C 1681 section 602 A States I have the rights 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 1681s -2 ( A ) ( 1 ) States that 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.15 U.S.C. 1681c ( A ) ( 5 ) 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 antedate 's the report by more than seven years. I have received letters from different credit reporting agency on these accounts listed above that was DELETED for inaccurate reporting on my credit report. Some accounts has come back verified. I have asked for the method of verification several times but NO response.
Complaint sub-issue: Deposits and withdrawals

I requested the bank to investigate a vendor luka lah with XXXXXXXX XXXX XXXX XXXX formed in Wyoming. I paid for services and contract submitted payment and was scammed. I reached out to Ally bank by phone and emails multiple times trying to get a claim field and no answer yet. There is XXXX that I need to dispute and the vendor took the money and ran XX/XX/2022. Transaction amount {$4700.00}, XX/XX/2022 transaction amount {$10000.00}, final transaction was not wire but XXXX with the same bank. The vendor broke contract and ally said they would reach out in 1 to 2 business days its been almost 2 months since the initial contact
Complaint sub-issue: Information belongs to someone else

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Complaint sub-issue: Their investigation did not fix an error on your report

I am challenging the validity of this alleged bankruptcy you have listed on my reports. I recently Challenged this same account with the credit reporting agencies and they came back stating that they have verified this account with Lexis Nexis. I have went to the courthouse, and they have also stated they did NOT verify this information. Please send me whatever documents of information you have personally used to verify this alleged bankruptcy, immediately. If you can not produce such documents this bankruptcy needs to be removed from my file as it is defaming my character. An please contacts all credit reporting agencies XXXX, XXXX and XXXX to have this bankruptcy remove immediately. The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974
Complaint sub-issue: Trouble with how payments are being handled

I am a XXXX XXXX XXXX working toward Public Service Loan Forgiveness with FedLoan Servicing.  For my latest employment certification, I was informed that I had 57 payments (of the required 120) credited toward the program.  As noted in my last billing statement, FedLoan Sevicing indicated I had 50 payments according to their records.  I contacted customer service, and the individual said someone would review my account.  A few days later, I received an employment certification form with no explanation of why I had lost 7 payments credited to my account.  This is now the second time in which the number of PSLF payments credited to my account is incorrect.
Complaint sub-issue: Information belongs to someone else

Hi, My name is XXXX XXXX XXXX I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. These items are stopping me from buying a home. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Public record information inaccurate

I wrote and contacted XXXX and XXXX several times. My account was at a zero balance. XXXX chose to close my account when I filed for bankruptcy. XXXX and XXXX were not part of the bankruptcy, and it should not be reflected on the credit report as discharged by bankruptcy because I never owe XXXX or XXXX any money. My account with them was in good standing. General Account Info Account NameXXXX  Account NumberXXXX  Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusDischarged through Bankruptcy Chapter XXXX. Status UpdatedXXXX Balance - Balance Updated - Recent Payment Amount - Monthly Payment {$0.00} Credit Limit {$6000.00} Highest Balance {$1000.00} Terms NA On Record UntilXXXX 2024 I have attached proof of what companies were included in the bankruptcy due to me being a victim of mortgage fraud and filing at the advice of my attorney to protect my home until the FBI can investigate the mortgage fraud.
Complaint sub-issue: Investigation took more than 30 days

I have a 30-day late payment on my payment historical record for the month of XXXX on my mortgage account listed on my credit report, called XXXX XXXX XXXX XXXX XXXX which date was opened on XX/XX/2018. I submitted a dispute previously for the same issue, the credit bureaus only fixed part of the issue but did not correct the entire issue. The only updated the account status and removed only one late payment in the history for the month of XXXX, but not for XXXX. The 30-Day late payment should not be there and was put on the credit report as an error on XXXX XXXX XXXX XXXX XXXX end. I have a letter from XXXX XXXX XXXX XXXX ( Mortgage ) stating that it was their error and they was going to remove the 30-day late payment for the month of XXXX and for XXXX, but XXXX is still reporting as 30-Days late in the historical record, which needs to be updated and the XXXX late payment needs to be removed immediately. I have disputed this account with XXXX, Equifax, and XXXX and they have not removed/updated this account to reflect a " never late ' payment status for the month of XXXX or a " Never Late '' on my credit report and XXXX, Equifax, XXXX and XXXX XXXX XXXX XXXX is violating the fair credit reporting act by reporting inaccurate information on my credit report. Please remove this 30-Day Late Payment from my mortgage account for the month of XXXX immediately and if it is not removed, I will be filing a lawsuit against XXXX, XXXX, Equifax, and XXXX XXXX XXXX XXXX for not removing this inaccurate late payment for XXXX from my credit report. I have attached a copy of a letter which I received from the creditor, which I already reported to the credit bureaus already. In the letter they stated that this 30-Day Late Payment is an error on their end and for the credit bureau to update the record to show pays as agreed and a never late status for the month of XXXX. Therefore, I have attached it to this complaint.
Complaint sub-issue: Don't agree with the fees charged

I was charged interest on loans when I was under XXXX XXXX Bankruptcy protection filed in XXXX. DEPT OF ED / XXXX All balances from today 's report XX/XX/XXXX : XXXX. ) XXXX {$5900.00} High balance of {$4200.00} from XX/XX/XXXX to XX/XX/XXXX XXXX. ) XXXX {$11000.00} High balance of {$8500.00} from XX/XX/XXXX to XX/XX/XXXX XXXX. ) XXXX {$5800.00} High balance of {$4000.00} from XX/XX/XXXX to XX/XX/XXXX XXXX. ) XXXX {$5700.00} XXXX XXXX of {$4000.00} from XX/XX/XXXX to XX/XX/XXXX XXXX. ) XXXX {$1100.00} High balance of {$750.00} from XX/XX/XXXX to XX/XX/XXXX XXXX. ) XXXX {$3900.00} High balance of {$16000.00} from XX/XX/XXXX to XX/XX/XXXX XXXX. ) XXXX {$610.00} High balance of {$2600.00} from XX/XX/XXXX to XX/XX/XXXX These accounts now have over $ XXXX in interest that has been added after I filed for XXXX XXXX protection in XXXX which STOPS and doesn't allow interest accrual. 

US Department of Ed transferred loan servicing to NELNET in XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Even though Equifax have removed most of the fraudulent information from my consumer report, and even though they have VERIFIED TO ME that my information was involved in their data breach of 2017, they have not removed the last student loan account from my report and it is preventing me from recovery.
Complaint sub-issue: Charged too much interest

I accepted a new credit card offer for an American Airlines AAdvantage Platinum Select Mastercard from Citi in XX/XX/2019. The card offered a select # of bonus airline miles if a specific amount was charged on the card within the first few months of having it. 

I set up all of my credit to be paid in full on a monthly basis via auto-draft and did the same with this card and set about using to earn the bonus miles. 

In XX/XX/XXXXI received a call from Citi stating that my account was past due and requesting payment. I notified them of their error in not drafting my account and authorized an ACH transfer for past due and outstanding credit charges with the representative noting an auto-draft for the full amount outstanding would take place at next billing cycle in XX/XX/XXXX, leaving a XXXX  balance. 

In XX/XX/XXXX, the total amount due ( both credit and finance charges ) was auto-drafted and I made call to close the account only to be notified that there was an additional finance charge, not disclosed in the XX/XX/XXXX statement ( which showed payment in full for all outstanding balance ). 

My request that this charge be removed was declined by Citi. My requests to speak to a superior or other authority were also declined. 

I accuse Citi of failing to honor customers ' requests to auto-draft charges in full on billing cycle basis in order to generate fraudulent interest charges.
Complaint sub-issue: Account status incorrect

As a result of a divorce in XXXX, the judge ruled that my ex-wife would be solely responsible to pay the mortgage, homeowner 's association, taxes, and insurance on the home. We signed a quitclaim deed that removed the home out of my name. However, 5 years later, my ex-wife did not comply with the judge 's orders and has missed several payments on the home, along with forging my name on a loan modification which has decreased my credit score, tremendously. The forging of the loan modification took place on XX/XX/XXXX, a year after the divorce was final. I am hoping that with all submitted documentation my credit score will be restored to it's rightful score. On XX/XX/XXXX, I filed a complaint of forgery with law enforcement. The home is currently {$7200.00} behind in mortgage and penalty fees.
Complaint sub-issue: Information belongs to someone else

This is my XXXX endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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: Problem lowering your monthly payments

My mother and I have reached out to Sallie Mae several times with no help. My loans were taken out when my parents were married they are no longer my mother is the co signer and neither of us can afford the payments on these loans. We reached out to them and the only thing they said they can do is offer a forbearance for 6 months and charge me to do it. We are unable to refinance these loans because instead of the balance going down it continues to climb with some of the rates being over 12 % I borrowed a total of XXXX that has turned into XXXX with making payments for 6 years. I am desperate and need help and these lenders especially now are predatory and not helping at all. I also cant release my mother from being a cosigner so this is affecting her as well. Please Help they call at least 10 times a day from different numbers to collect something we dont have and have told them this cant even find my loan agreement on the website
Complaint sub-issue: Deposits and withdrawals

I have the cash app I had money on their for awhile like XXXX  dollars I never used it on anything then my wife wanted to see ake it off the app When I went back to look at the balance they show XXXX as the balance I have bank statements to show the money still their never spent I've been trying to make a complaint but they keep me in a circle asking same info over an over I'm really tired of this game Ready to take legal action against them This is kinda like the last reach out to them
Complaint sub-issue: Account information incorrect

This complaint is about the XXXX credit reporting agencies ( XXXX, XXXX, and Equifax ). One financial institution pulled my credit from all 3 agencies at the same time for the same credit but it's reflecting on my report as 3 different hard pulls which is negatively affecting my credit. I have 15 inquiries on my credit, 4 of them are creating triple inquiries. Information in the credit report that isn't disputable is affecting the credit score, XXXX states " insufficient length of credit history '', I've had a mortgage for the last 5 years and have an auto loan that has a 10 year term and I'm 6 years into it. XXXX and Equifax have similar statements " lack of recent insallment info ''. While each of these agencies allows you to dispute the information from the reporting creditor, there isn't a place to dispute the scoring method information they provide which isn't accurate.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. Here are the list of items to be dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Information belongs to someone else

I received a call from a collection company stating about a debt I owed fro an insurance company. I have never applied for or had any insurance with XXXX. I quickly opened an account with XXXX XXXX to review my credit report. I found many fraudulent accounts I have never opened or given anyone consent to open. Please delete these items from my account as soon as possible.