Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Good Afternoon, RE : Account Number - XXXX After viewing my credit report I noticed inacurrate information listed on my report. I submitted a dispute to the 3 bureaus ( XXXX, Equifax and XXXX ), XXXX deleted the account due to unverifiable information. However XXXX and Equifax have yet to remove the account and provide me with the requested inforamtion. 

After receiving no response from XXXX and Equifax I pulled my credit report for a second time and noticed that neither bureau made remarks on my credit report stating that account XXXX is in dispute. Per the FCRA ; Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) [ 1681s-2 ] that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information. Counting the number of days between pulling my credit report I've determined that it has been 60+ days since my first dispute and neither bureau have listed the account as " in dispute ''. 

Please 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 { b } that 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 that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Im requesting XXXX and EquifaxPlease provide me with the following : What the money XXXX XXXX say I owe is for. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor, as the original credotr listed is just " medical '' Prove the Statute of Limitations has not expired on this account. 
Show me the you are licensed to collect in my state. 
Provide me with your license numbers and Registered Agent or Agent of Service. 

Because of the FCRA violation and no response, as well as failing to validate the account Im requesting to have the account removed from my credit report.
Complaint sub-issue: Frequent or repeated calls

I was sued by XXXX XXXX for credit card debt. I entered into a debt relief program in XX/XX/XXXX. This account was included in my program with XXXX XXXX XXXX. XXXX XXXX persued a lawsuit and I was supposed to be represented by XXXX XXXX XXXX as a part of my program and I was paying for their services.  They did nothing for me to represent me so XXXX XXXX won the lawsuit. It was for quite a bit more than I owed.  I had owed $XXXX at the time I joined XXXX. The lawsuit amount was for $XXXX. That is a difference of XXXX.  Ihave been making the payments. To XXXX XXXX until XXXX  of this yr. I discontinued my agreement with XXXX  and started a new program with XXXX XXXX. I did not include the XXXX XXXX debt as I was going to continue to make the payments of $XXXX a month to them on my own per the stipulated agreement at a po box in XXXX, CA. The first check was cashed after I paid it and then the second one never was. 
I then received letters from XXXX XXXX XXXX trying to collect on this debt that had been being paid monthly ouy of my escrow account with XXXX. 
I paid a total of 19 payments equalling XXXX while with XXXX.
Then XXXX XXXX XXXX  filed a notice of Settlement of entire case in XX/XX/XXXX.  
I believed this to mean I was done paying this settlement. 
However i then started receiving letters from Reese Law Group in XX/XX/XXXX. 
They stated I still owed this money so I started paying them.  I have paid 5 payments to them. They then filed a exparte order to enter judgement for the remaining balance plus fees of $XXXX.  
I filed papers with the court objecting to this exparte order as I have been making the payments and I wrote to them trying to get them to let me know if I do still owe this debt as I thought that XXXX XXXX XXXX   form to settle entire case meant I was done paying this. I have not received anything from the court since Reese Law Group filed this exparte order and I responded. The clerk did say when I went to file these papers that this case had been dismissed. I am really confused on if I owe any more on this or not.  
I feel it should be paif off as the original amount was $XXXX XXXX and to date I have paid $XXXX. 
Reese law group is now calling and harassing me even though I have continued to send payments. 
I call back but the person never answers the phone and she will not answer my questions in a voice mail.  
Reese Law Group phone is XXXX. The person I am supposed to talk with is XXXX XXXX. Ext XXXX. 
I would like some clarification on if I even still owe this debt and if so that they dismiss it as paid in full as I have paid more then the amount of the original debt. I would also like reimbursement of the amount above the original amount I have paid or since the notice of settlement of entire case received in XX/XX/XXXX any amounts paid after that I would like reimbursement from XXXX XXXX. 
This has been very stressful annd confusing with all the different entities involved. I believe this debt is paid in full and I am asking for $ XXXX  be returned to me due to the case dismissal in XX/XX/XXXX
Thanks, XXXX XXXX
Complaint sub-issue: Debt is not yours

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Complaint sub-issue: Problem with customer service

I am a XXXX veteran, I have been XXXX XXXX since XXXX. I went to school back in XXXX. I applied for student loans and was given student loans by the department of education. I finished and graduated. I was contacted by a student loan provider to make payment on my student loans. No problem I made my payments from roughly XXXX until currently. I was never late. Kept everything current. I was contacted in XX/XX/XXXX by my student loan provider ( Nelnet ) that I may be eligible for XXXX ( XXXX XXXX XXXXXXXX ). In XX/XX/XXXX I filed the paper work. On XX/XX/XXXX, I was awarded XXXX. Because I was permanently XXXX before I went to school I was informed that the current balance would be forgiven as well as repayment of all the payments I had previously made. I contacted Nelnet, they stated yes I was to be repaid all of my payments but there was no time table for when that was going to happen. I waited. I have not received anything, nor been contacted. It has been 40+ days since I was awarded XXXX. I recalled Nelnet. They informed me I needed to talk to the department of Education. I called them they redirected me back to Nelnet. And they stated they do owe me my payments ( $ 15,000+ ) but they did not have a time frame of when they will repay that. This is ridiculous!!!. If I owed them money I have interest, late fees, and it affects my credit rating. But when they owe you money their is no recourse.
Complaint sub-issue: Information belongs to someone else

This complaint is to follow up on any response from Equifax after days of investigation. As I reviewed my Credit Report I noticed that there is still an account that is reporting erroneous and incorrect information. Right now, I am not satisfied that Equifax has completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting their examination. I sense that the remaining account needs proper action to assure maximum possible accuracy on my credit file. Hence, I am asking for another investigation of the account : XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Good morning! I recently checked my credit and noticed two collection accounts which I did not recognize nor authorize. These accounts are fraudulent and do not pertain to me whatsoever. They are listed as XXXX XXXX and XXXX XXXX XXXX. Please help me in resolving this matter.
Complaint sub-issue: Debt was result of identity theft

WHEN I CHECKED MY CREDIT REPORT I SAW THIS ACCOUNT THAT DOES NOT BELONG TO ME
Complaint sub-issue: Sued you without properly notifying you of lawsuit

I filed a CFPB compliant case number # XXXX against RAS Lavrar , LLC and they responded partially to my complaint on XX/XX/18, which they did inform me that they are preparing to send me the validation of the alleged debt, however I requested that lawsuit against me to cease and I also request for no one to come out to home to discussed this matter, however they did not respond to neither request or give any details. They only stated that XXXX XXXX XXXX is suing me for the alleged debt. And again I am requesting the lawsuit be dropped by both RAS Lavrar and XXXX XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX, a natural person, is a victim of identity theft and fraud. EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY XXXX ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Complaint sub-issue: Information is not mine

Look identity thief is the hardest thing to fix I will not pay for help to fix it this why I have had XXXX XXXX and XXXX I will not spend the rest of my years trying to correct this. It XXXX for someone to be low life and get stuff ber my name the only credit card I have is through my bank since XX/XX/XXXX. I 'm tired of all this because that 's how companies make money not from me, I live on XXXX a month I do n't even get bye there are XXXX items that should have been removed in XX/XX/XXXX went I sent first dispute to XXXX I will not continue to do it again they failed the first time. Funny my Senators replyed to amusing.
Complaint sub-issue: Information belongs to someone else

I am in the process to obtain a new vehicle loan. Based on my recent credit report, I have an account reflecting that is not mine. I was listed as an authorized user by my husband without my authorization.
Complaint sub-issue: Reporting company used your report improperly

Recently i received a copy of my XXXX credit report and noticed multiple inquires unauthorized inquiries i did not authorize from unknown sources, i did not give permissible purpose for XXXX or any one else to run my credit, i did not apply for loans or any credit cards. XXXX gave credit card companies access to my credit report without my person. I dispute this several times in the few months, i would get an instant result saying the dispute has been resolved, but when i access my credit file nothing has been done.
Complaint sub-issue: Company closed your account

Re : CFPB Case Number XXXX/Citibank Case Number XXXX XXXX : Account Number XXXX ( now closed without my knowledge ) In response to my previous message of complaint to the XXXX only after that did I receive any priority action from Citibank NA I received the following message from Citibank , N.A . Customer Service Center XXXX Citigroup XXXX, XXXX XXXX, XXXX XXXX XXXX : On XX/XX/XXXX, a XXXX XXXX XXXX account ending in XXXX was closed due to inactivity. The funds remaining in the account, US {$100.00}, were transferred to our abandoned property unit and subsequently remitted to the South Dakota Treasurer in accordance with state law. Consequently, Citibank is no longer in possession of these funds, which can only be returned by filing a claim with the Unclaimed Property Division of the South Dakota Treasurer ( UPDSDT ). For more information about making such a claim, please write to the UPDSDT at the following email address : XXXX You may also contact the UPDSDT as follows : Phone : ( XXXX ) XXXX Unclaimed Property Hotline : ( XXXX ) XXXX Website : https : //www.sdtreasurer.gov/unclaimedpropert END OF QUOTE I had visited Citibanks XXXX XXXX XXXX XXXX XX/XX/XXXX expressly to update my account address details and the bank failed to exercise this minimal responsibility. 
Citibank has handled this complaint extremely poorly. They gave me no option for replying to them by e-mail. Instead, I have to call them long distance at my great expense OR I have to rely on snail mail. I have found that ordinary mail to/from XXXX XXXX is taking an excessive amount of time to reach me in XXXX and XXXX. Totally unacceptable. 
Not only did Citibank fail to carry out the basic task of ensuring that it had my correct mailing address after my prolonged visit to their XXXX branch in XX/XX/XXXX, but it also then compounded matters by soon after introducing a hefty monthly charge of USD XXXX. This was a so-called XXXX XXXX XXXX XXXX XXXX Really? Accordingly, my balance of USD XXXX at XX/XX/XXXX was thereafter rapidly reduced to USD XXXX by the date of transfer to South Dakota in XX/XX/XXXX. 
Did Citibank offer to refund my funds? No, I was supposed to chase what little balance remained myself. 
Come on. Would anybody rational keep funds in a bank account when a charge amount of such magnitude had been introduced? Did this compel Citibank to carry out any extraordinary steps to ensure that this client would be satisfied with such an arrangement? NO! 
It defies common sense. It manifests a complete lack of customer service mentality. 
Here is what I would expect now. Not only should my balance of USD XXXX ( plus interest ) be returned to me, but I would also expect additional compensation for all the time I have had to devote to finding out what happened to my account with Citibank. Hour after hour after hour. It is beyond belief the incompetence I have witnessed from this bank. 
Thank you very much for your attention to this file and my concerns. 
Respectfully, XXXX XXXX
Complaint sub-issue: Problem with customer service

Greetings. I have submitted all of the required documentation to Mohela, my student loan servicer, to document my eligibility for loan forgiveness through the Public Service Loan Forgiveness ( PSLF ) Program. Documentation was submitted beginning in XX/XX/2022. As of today, this documentation demonstrates that I have met the requirements of the PSLF program and I am eligible for forgiveness. Also, in XX/XX/2022. I requested a refund of my payments during the federal forbearance period from both Mohela and XXXX XXXX. I have not received neither my refund nor a written response to my request for discharge of my loans due to submission of documentation that demonstrates I have met the requirements for PSLF. 

The delay in processing my request is negatively impacting my livelihood because the PSLF program requires that applicants remain in public service until Mohela mails or informs applicants of approval for loan discharge or forgiveness. I have had to decline job opportunities and I am being restricted from pursuing other jobs outside of public service until I receive a response from my student loan servicer.
Complaint sub-issue: Debt was paid

I have submitted several disputes to Equifax in reference to a paid Medical collections debt in the amount of {$340.00}, that continues to be listed as in collections and unpaid on my credit report. My last attempt was to resolve this matter was on XX/XX/XXXX. I received notice that the investigation was completed on XX/XX/XXXX. The account remains listed as unpaid. This debt was being paid through my state income tax garnishment. According to my record from the XXXX XXXX XXXX XXXX, an amount of {$370.00} was paid to XXXX XXXX XXXX HOSPITAL in XX/XX/XXXX. 
Please note that XXXX XXXX XXXX HOSPITAL was renamed to XXXX XXXX. 

I have attached supporting documents.
Complaint sub-issue: Reporting company used your report improperly

I have fraudulent items appearing on my credit file. I am a federally protected consumer and my rights are being violated. I have been attempting to have the credit bureau remove this false information but they have been persistent in violating my constitutional rights. Pursuant to The Fair Credit Reporting Act I should not have fraudulent items appearing on my credit file. I was also never given clear information on how to opt out of credit reporting from these companies. Pursuant to the Gramm- Leach- Bliley- Act I have to be given clear instruction on how to opt out of credit reporting. I do not give permissible purposes covered under the Fair Credit Reporting Act for XXXX XXXX XXXXXXXX XXXX and XXXX to appear on my credit file. I am demanding that they be removed immediately.
Complaint sub-issue: Information belongs to someone else

MY IDENTITY HAS BEEN STOLEN. SOMEONE KEEPS OPENING ACCOUNTS IN MY NAME. I AM TRYING TO KEEP UP WITH MY CREDIT PROFILE BUT ITS SO HARD WHEN SOMEONE IS STEALING MY INFO OPENING UP FRAUDULENT ACCOUTNS. PLEASE INVESTIGATE THESE ACCOUNTS AND REMOVE THEM FROM MY PROFILE.
Complaint sub-issue: Reporting company used your report improperly

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

Account name : XXXX XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name XXXX XXXX XXXX XXXXXXXX Account # XXXX Account name XXXXXXXX XXXX Account # XXXX Account name XXXX XXXX XXXX XXXX XXXX Account # XXXX Account name XXXX Account # 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: Information is not mine

I need your assistance in helping me to get several accounts reporting on my credit file from Unknown removed. These accounts do not belong to me. I was a victim of identity theft ( my wallet was stolen along with my ID, Social Security Card, Credit Cards, and more ). I have notified Equifax of this along with Unknown. However, Unknown has reported to Equifax that these accounts have been verified.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX, my citibank bank account was closed without warning. 

About closed to {$2000.00} was deposited ( utilizing XXXX, depositing checks ). Upon calling their fraud center ; I was given no reason as to why my account was closed, and was told if there was any funding ; I am to expect a check within 30-60 business days. 

This is the second time in the last month I deposited utilizing their mobile deposit ; the first time they purposely blocked my access. It was blocked to protect themselves from any checks bouncing. And every single one of those checks posted and I was without pay for 3 weeks ( that caused late payments/fees to all my bills due around the end of XX/XX/XXXX, and beginning of XX/XX/XXXX ). I called several time and was told to wait 7-10 days and kept getting the work around. 

Anyways, I got on the phone at the end of third week from the day it was blocked and the gentlemen without question unblocked my access since every single check went through. 

Back now in XX/XX/XXXX, same mess instead they just closed my account.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$6300.00}, {$83.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$83.00} -This is not my account.