Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Threatened to sue you for very old debt

Most recently ( XX/XX/XXXX ) a payment was made to Hunter Warfield against threats of legal action by two male reps within this companies Legal Department. I made a payment of {$170.00} plus a processing fee of {$9.00} on XX/XX/XXXX using a credit card to begin payments. However, as I have complained to the company itself the debt account is for 3 individuals total. I assume due to being the only one calling to attempt to settle the debt I was harassed and forced to make such large payments. I have requested the company afford me the opportunity to set up payments each month for {$50.00}, but Customer Service would not assist claiming I had to pay the minimum ( at the time ) of XXXX. I was unable to do so and that is why the debt went unpaid until XX/XX/XXXX. I truly want to repair my credit and get this debt paid off. My complaint to you is that as one of three people I cant truly afford XXXX a month. I have other debts and its a strain on paying my regular cost of living expenses. Nothing luxurious just referring to my rent, gas, lights, and water. The luxurious bills of any are phone, cable, internet, food, etc. I am seeking assistance from a third party as I only want Hunter Warfield to assist me and allow me to pay {$50.00} a month for now. I set up a 6 month draft for XXXX/mo plus the XXXX processing fee due to the Pre Legal Departments threats to take further legal action. As a single parent of XXXX  XXXX  I can not afford to let my check be garnished or any other actions that may occur. I tried emailing and making phone calls to multiple people with no response. Those individuals are XXXX XXXX, the support services email, an XXXX email address provided in response to a bad XXXX review I posted, and a number ( XXXX ) provided on the same bad post reply. All the emails end XXXX. Again, I would like a fair payment arrangement for myself as I am not the only one on this account and the times I have attempted to speak with the Pre Legal reps ( all males ) I have been laughed at for requesting the opportunity to pay {$50.00} and/or had very rude reps to the point I did get upset and argued with them as I felt I was being bullied and disrespected. Please help.
Complaint sub-issue: Information belongs to someone else

Information on my Credit Report has been remove, and then they put it back onto the credit report. I have sent over proof of letters from the creditor itself, to remove the fraudulent accounts, along with police report, and identity theft letter. But XXXX, XXXX XXXX, and XXXX  all totally ignore both police, and letters from the credit as my proof. I can't afford a attorney at this time.
Complaint sub-issue: Trouble with how payments are being handled

I am currently under the REPAYE program and working towards PSLF while working at a qualified employer. when submitting my annual employment certification form which I have done many times in the past there was a discrepancy with the number of qualified payments between my subsidized loan and my un-subsidized loan by one payment. when I first called the discuss I spoke with someone at XXXX XXXX who did not understand the PSLF process and was told incorrect information about the amount that was needed to qualify for a payment. when I called again and found another representative I was told that in XX/XX/XXXX the payment, which i did not change and never do, was for XXXX XXXX  less than the amount that it should have been therefore disqualifying that payment towards one of my loans for PSLF. The XXXX was charged in the month of XXXX. I was told that there was nothing that can be done about this but I do not feel that a mistake from the platform used by PSLF should be my responsibility. the payment for REPAYE is set by the department of education and I do not change the amount ever and would never underpay a loan by XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

My identity was stolen. I believe it happened at a Costco gas station at XXXX XXXX XXXX XXXX XXXX Fl. XXXX. I bought fuel XXXX XXXX. On XXXX XXXX XXXX my address was changed and a Citi card was open with my name. The address was not my address and I did not open a new Citi card. I found out by not receiving mail and a water company emailing me that a bill was returned. When I went to pay the bill I received the letter from them with the fraudulent address attached to the letter. 
I filed a complaint with the post office, notified the credit card company and put a block on my ID. with XXXX and they told me to file a complaint with you. 
The address they used was XXXX XXXX XXXX XXXX XXXX AZ. XXXX
Complaint sub-issue: Information belongs to someone else

Recently I sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification, It is unacceptable and I am getting upset. If the information is not immediately reinvestigated and removed and If you continue with your willful noncompliance with the law under Fair Credit Reporting Act, I reserve the rights to file a law suit against your company or any company you represent.
Complaint sub-issue: Information belongs to someone else

I got a copy of my consumer report from Equifax and notice they were reporting a last name that didn't belong to me I mailed them a letter letting them know they were reporting a name that did not belong to me and I mailed with the letter a copy of my ID SSN # and Utility Bill asking them to remove it, the last name they were reporting had inaccurate accounts attached to them that did not belong to me, so I file a complaint to the FTC and CFPB for identity theft and sent to Equifax through the CFPB portal I also mailed it along with my identification again. They mailed me a letter on XX/XX/2022, saying they couldn't investigate because the information I sent to them didn't match the information they had on file that's because they were still reporting the last name that I told them didn't belong to me and I sent in proof several times of my full legal name. I never consented to any information being furnished, and this infringes upon my right to privacy I am demanding this information be deleted permanently or I will escalate this and hold Equifax personally liable.
Complaint sub-issue: Can't temporarily postpone payments

I have recently returned to graduate school. The lender of my private loans, Access Group, has a policy that prevents me from deferring my private loans while in school. The policy is that after 30 months of being out of school I can not defer these payments in the same manner as a student returning within this period. I would like the same treatment as a student returning to school within this period.
Complaint sub-issue: Account terms

I submitted all the forms as required for an extended fraud alert : police report, social security card, and driver 's license. However, my account was only placed on 90 day fraud alert. I submitted one letter and another application with no response. My account was actually breached on my credit card ; police report to verify it.
Complaint sub-issue: Debt was paid

In XX/XX/XXXX I cancel my service with XXXX XXXX, I paid my account in full. I had a number of cell phones which I physically returned to the XXXX store in XXXX, IL. The manager of the store said he wasn't able to provide a return receipt as they were not defective, I left the devices with him in the store. 

A few years later I received a collection letter stating I owed XXXX. I've responded to each and every collector of this account that I do not own anything as the account was paid in full and the equipment was returned to the store. There are no amendments to the contract that states XXXX can add additional fee 's in the case of equipment only to the outstanding balance of the account, which was paid in full. 

The current collection agency is falsely reporting the account was active in XX/XX/XXXX which is not correct and I have disputed this claim.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; SOC SEC ADMIN OFFICE O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

the XXXX XXXX  is showing charge off but yet it has balance which is a direct violation!! A charge off account should not have a balance please delete this immediately this is incorrect information you're broadcasting on my credit report which is illegal according to my privacy act 15 USC 1682
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
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 a account without my written instructions.

15 USC 1666B : A creditor.ay not treat a payment ona credit card account under an open end consumer credit plan as a late for any purpose.
Complaint sub-issue: Can't close your account

Someone tried opening a debit card under my name through a company called Coinbase without my authorization. I am trying to close the account and have this investigated for fraud but there is no way of getting a hold of the company since I am not a customer and am unable to provide them with a valid phone number under the fraud account.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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: Their investigation did not fix an error on your report

# I send to the 3 credits bureau certified letter asking for proof of contract and documents the certificate the people or companies the report to them ( credit bureaus ). Have the proper documents and proof of contract. I need physical proof copy of documents. They do n't send the documents so I demand they remove any adverse information from my credit report. Because that cause a lot of problems to me to get credit buy a car or get a job. Is becoming a so unfair to me the any company the thinking to ruin my life or putting pressure on me. Use credits bureau as weapons to bring me to te point to surrender. I just want a fair treatment I 'm hard working man abuse by the sistem. the this corruption the credit bureau and this agencies have over working people is a unlawful and corrupt. Please help!! I need a proof os contract from this people I need license # s and I need all this on paper. Please if they ca n't provide the contract remove all adverse information of my credit report plus all Inquiries of my report the I get because the unlawful negative info on my credit. Thanks.
Complaint sub-issue: Was not notified of investigation status or results

" My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following accounts from my credit report immediately.
Complaint sub-issue: Account information incorrect

I have been disputing and are not getting a timely response and I need answers because the account listed is NOT mine or you dont recall it.
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX Attn : Legal Disputes Department This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
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 that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
This is of grave importance that this matter is address, because it is putting serious financial stress on my life and my ability to sustain myself and family. 
I demand that the following account be verified or removed immediately : 1. The following account is not mineXXXXAccount Number : XXXXPlease delete it from my credit report. 
2. The following account is not mineXXXX XXXX XXXXAccount Number:XXXX******Please delete it from my credit report. 
3. The following account is not mineXXXX XXXXAccount Number : XXXXPlease delete it from my credit report. 
4.The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please delete it from my credit report. 


5. The following account is not mine XXXX XXXX Account Number : XXXX Please delete it from my credit report. 

6.The following account is not mine XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : ******* Please delete it from my credit report. 

7. The following account is not mine XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : ****** Please delete it from my credit report. 

8. The following account is not mine XXXX XXXX XXXX XXXX XXXX 
Account Number : **** Please delete it from my credit report. 

9. This Public filing is not mine BANKRUPTCY CHAPTER XXXX Reference Number : XXXX Filed Date : XX/XX/XXXX Please delete it from my credit report. 

10.This Public filing is not mine BANKRUPTCY CHAPTER XXXX Reference Number : XXXX Filed Date : XX/XX/XXXX Please delete it from my credit report. 

11. The following account is not mine XXXX XXXX Account Number : XXXX Please delete it from my credit report.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act and the united States Code the following convergent accounts has violated my rights. 

1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. BANK XXXX XXXX XXXX 5. XXXX  XXXX 6. XXXX  XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX XXXX 11. XXXX XXXX XXXX XXXX 12. XXXX XXXX XXXX 15 U.S. Code 1681a ( 4 ). States I have the right to privacy.

15 U.S. Code 1681b ( a ) ( 2 ) : States a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Information is not mine

I applied on line to open a checking account with XXXX Bank and they use Equifax. They asked a series of questions to prove my identity, which I failed because the questions had questions of other people with my same last name XXXX XXXX XXXX that have nothing to do with. There information is incorrect. I change my name in court when I was XXXX, and never married or had anything to do with ant person with my new last name in XXXX years.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without 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 any purpose.
Complaint sub-issue: Debt was paid

The account was paid off by XXXX XXXX  When Home was sold on XXXX XXXXShortly after started receiving late payment noticed ... .Tried on several occasions to talk to there agent but they refused to listen and only had a one track mind saying that I still owe the money ... .Fully executed Termination/Release of UCC Financing statement as recorded in Official Records Book XXXX, Page 353 of the Public Records of XXXX XXXX, Fl.XXXX XXXX XXXX XXXX Fl, XXXX, ,Even after sending copies of the cancelled check they refuse to correct there error ... .....
Complaint sub-issue: Trouble using the card to spend money in a store or online

On XX/XX/2022, I added {$32.00} to my prepaid visa card that was issued to me by Crypto.com and they immediately " blocked '' me access from the funds and the card. I've reached out to them and they are demanding I take a selfie while holding my primary card from my main financial institution. 
There wasn't an issue with adding funds to the prepaid card previously and there wasn't an issue with buying {$100.00} worth of XXXX XXXX from Crypto.com and now they want me to send pictures of myself and pictures of my credit & debit cards.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX and XXXX are in direct violation of 15 USC 1681 a ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 4. States that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality and respect for the consumers right to privacy 15 USC 1681 ( b ) PERMISIBLE PURPOSES I never consented or gave permission for any of this information to be reported in the first place. 
They are reporting negative information on these reports. 
15 USC 1681 s-2 ( 7 ) ( E ) says that nothing under the FCRA requires a financial institution to furnish negative information to consumer reporting agency. they are required to furnish accurate information they are referring to their company policy. Company policy does not supersede federal law. The end. The law states that my consent is needed to disclose non-public personal information to a non affiliated third party.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are a few accounts on my report that I do not recognize
Complaint sub-issue: Old information reappears or never goes away

Equifax previously deleted and removed the following fraudulent accounts from my credit report, but the fraudulent accounts has been put back on my Equifax credit report : XXXX XXXX XXXX, XX/XX/XXXX, unsecured loan, {$4800.00}, XXXX XXXX XXXX, XX/XX/XXXX, auto loan, {$20000.00}, XXXX XXXX XXXX MasterCard, XX/XX/XXXX, {$1700.00}, XXXX XXXX XXXX  XXXX XXXX XXXX Visa, XX/XX/XXXX, {$4200.00} and XXXX XXXX, XX/XX/XXXX, {$14000.00}
Complaint sub-issue: Funds not handled or disbursed as instructed

I am still waiting on a reply from Comerica and have yet to  get one an d I have waited at least 2 months for their final determination. Case number previously submitted -  XXXX . It would be appreciated if you could find out why she has never contacted me again since I sent her to information that she requested including a copy of the check that was issued to me as a cashiers check! I guess they figured that I would forget and that I would not continue to pursue this. I want a final resolution and my money returned.
Complaint sub-issue: Was not notified of investigation status or results

I have wrote to XXXX, equifax, and more then 3 times about them posting unfair inaccurate information on my credit report and they keep writing me saying that the information they are posting is accurate, how can that be if they all are posting different information for the same accounts.
Complaint sub-issue: Sued you in a state where you do not live or did not sign for the debt

Pleased see attached documentation from original and now closed complaint XXXX. Citicard sold the debt to XXXX XXXX XXXX on XX/XX/2019 without notifying XXXX that the debt was the subject of a CFPB complaint. XXXX has sued me through their lawyer XXXX XXXX XXXX for {$2600.00}. XXXX has served me at my mother 's NJ address, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. I live in XXXX, XXXX and have a XXXX residence card that proves this residency. In addition, XXXX XXXX certified in docket number XXXX of XXXX County Court, Special Civil Part that the matter in controversy was not the subject of any legal action. This certification was and is false. 
Citicard was negligent or worse in selling a debt to XXXX that was the subject of a CFPB complaint with no disclosure to the buyer. XXXX and XXXX XXXX XXXX have falsely certified to the XXXX County Court that the matter in controversy was not the subject of legal action and sued without proper service, in violation of New Jersey Civil Procedure 4:4.4 ( see attached extract ). I have duly notified Faloni Law and the XXXX County Court by certified mail and by uploading documents to the court 's XXXX system with a Notice of Motion to Vacate, previous CFPB complaint documents, copies of my XXXX residence card and marriage certificate proving my XXXX residence.