Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with personal statement of dispute

no responds from company or additional information on how to resolved issue half answer from XXXX bank still was notified of any changes or updates
Complaint sub-issue: Debt is not yours

I, XXXX XXXX, consumer, am submitting this communication to inform VANCE AND HUFFMAN LLC XXXX. XXXX, XXXX {$1900.00} that by law, you do not have the right to report inaccurate information knowingly or not without my consent, pursuant to 15 USC 1681b ( a ) ( 2 ). After viewing my credit report, it shows derogatory accounts that I question. In accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting for validation that you have proof of debt. 
In accordance 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. 
I am requesting VALIDATION. Provide me with evidence that I am obligated to pay for the derogatory accounts listed above. 
If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report.
Complaint sub-issue: Inadequate help over the phone

I filed a dispute with all XXXX of the credit bureaus about inquiries that were on my report from multiple car lenders. The problem is I never tried to get a car. I have been disputing this for months even to the point of the bureaus telling me to contact the companies and ask for a delete letter. However that is impossible because I do not have an account with them nor do they show that I applied for a car or a loan.They said that there was no way they can offer me a letter of such statue. After contacting the companies I called each bureau yet again to dispute, even by sending letters. I also had a fraud alert on my credit file a few months back because of these unauthorized inquiries. XXXX said they are investigating the other two would not do anything. Also when I dispute with XXXX it has been over 30 days with disputes not verified but still remaining.They say that it is taking additional timing to complete. Also with each bureau some of the disputes come back within hours saying verified. Especially XXXX bankruptcies that I never finished going through the court system for. I provided paperwork to transunion showing the case was dismissed and I owe nothing, zero balance. They deny your requests by saying verified, but when you ask by who, they can not explain. Then when you try to check dispute status it says can not view, or still pending. I also asked an XXXX Rep to update my current mailing addresses and delete all old ones. He told me that I could not do that since they were apart of my file.
Complaint sub-issue: Can't close your account

I opened 2 NEW CITIBANK accounts checking and saving last fall- for a {$700.00} bonus offer - XXXX & XXXX. Balances now {$19000.00} @ XXXX - bonus not paid! 
Have been trying to close for months and get my money back. Have written their New York HQ and XXXX XXXX - no response. Their phone systems just plain nuts - can't get anywhere because I don't have a debit card or cell phone. They never sent me ANYTHING but occasional statements. 

I want to close accounts and get my money back and the bonuses and bonus interest I was offered. 

This bank is nuts.
Complaint sub-issue: Information belongs to someone else

I was checking my credit report and i saw accounts which i don't recognize. I have never applied for these accounts. I believe that someone used my personal information and opened accounts on my name. I lost my wallet with all documents, so i believe that someone found it and used it.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX the company did a hard inquiry without my approval. I contacted them and they stated that they would remove it though have not.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX I found out that a company named Equifax somehow had access to my SSN and credit card information. I also found out that they somehow lost this, and HALF of my fellow countrymen 's information too. I also found out that this had also happened on a much smaller scale months ago. Equifax refused to implement the proper security protocols to change their vulnerability and now has lost half of the USA 's populations most important information. The worst aspect of all of this is that Equifax executives sold almost {$2.00} XXXX in stock sales following data breach back in XX/XX/XXXX. So while they profit, the people affected by this breach sit and wait for a con artist to steal our identity. So what do I do now? I ca n't change my SSN. Our country refuses to have a national ID. I simply have to wait for someone to use steal my identity. SSNs were not intended to be used for identification purpose. They are about the least secure form of identification possible. Equifax must pay for their lax security, executives greed, and indifference towards the US citizens information.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX, I resolved a repossession debt that occurred on XX/XX/XXXX for a lease from XXXX XXXX for an XXXX XXXX XXXX. The outstanding balance was XXXX which XXXX told me was due and stated I'd like to settle this debt. They provided their debt collector XXXX @ XXXX to resolve this matter. We agreed on XXXX that was paid in full on XX/XX/XXXX. Two days later, XXXX reported the debt as a Charge Off that appeared 37 times on my credit report. I submitted a dispute that this is incorrect as per the FCRA, this should only be reported one time, not 36 additional times. In addition on XX/XX/XXXX, they updated the credit removing one charge off and adding a repossession occurred on XX/XX/XXXX. This again is incorrect and inaccurate which they have denied. This has caused me financial damage as I'm unable to obtain a loan at a lower interest rate and my credit score dropped by 100 points on Equifax, XXXX, XXXX as result of this irreparable damage to my credit profile. I demand that this be addressed by XXXX for the Account # XXXX. I reached out to both XXXX and XXXX, both have deflected blame and stated this is how it's done and reported and will take 90 days to update. Unacceptable, this has caused me financial harm.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax conformation # XXXX XXXX Bank XXXX # XXXX date of last payment XX/XX/2016 Historical account information date of last payment XX/XX/2016 Date of XXXX Delinquency. XX/XX/2016. Should be XX/XX/2016 Account history should be corrected to reflect XX/XX/2016 as date of XXXX delinquency. 
I was told by Equifax employee that they are not responsible for the accuracy of the information they provide. It is the creditors responsiblity, and when there is a dispute they contact the provider, and it the provider tells them the information is accurate. Then the information is accurate and can not be changed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

After carefully reviewing my credit report, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed. As I stated, I have already given your company quite enough time to investigate the items in question, but I am willing to give you one more chance. If I do not receive results of your investigation within 15 days of receipt of this letter, I will be forced to file suit against your company. I will also be contacting the XXXX XXXX XXXX  and the Federal Trade Commission.
Complaint sub-issue: Account information incorrect

I have attached the two letters I received from XXXX in reference to the two accounts they have requested be removed.
Complaint sub-issue: Was not notified of investigation status or results

I have a very serious complaint that has had me frustrated for over a month now I sent in my letters to the credit bureaus on XX/XX/2020 and to this date on XX/XX/2020 I have not received an investigation comment or results from items I listed as misleading and unverifiable this has caused me stressed I feel ignored of my issues and hope that we can get this resolved quickly. This is a violation not to even respond and its been over 60 days now. I hope that we can settle this matter quickly. Thank you
Complaint sub-issue: Old information reappears or never goes away

I have completed the agreement with this company and they still have deleted the collection account on my credit report, as promised.
Complaint sub-issue: Deposits and withdrawals

On XXXX XXXX XXXX, I tried to make an {$850.00} cash deposit into the Citibank personal checking account of one of my Contractors. The funds were to be used for business expenses he is incurring for a tour he is currently conducting on our XXXX 's behalf. These were destined as expenses, and not for salary, and were required immediately into his account. As I did not have an account with Citibank, bank protocol requires the following information for any deposit into a Citibank account XXXX personal or business ) when the depositor is not an account holder : a ) phone number, b XXXX full social security number and c ) occupation/title. I did not want to provide my social security number, I instead offered my Real ID driver 's license, and the company EIN number as I was making this payment on the company 's behalf. They refused to take my money. I then watched other transactions take place at the counter, and soon realized that no matter the amount, if a person was making a deposit into the bank, and was not an account holder, they required the same information, It occurred to someone making a {$5.00}, {$20.00} or higher amount deposit. 

I am fully aware of banking regulations regarding money laundering, however, this appears to be a larger issue. The bank is compiling information about people ( including their occupation, which is a strange request ) on a widespread level. I contacted the main telephone number and was informed that was the protocol. 

That this information is required for more important activity such as to cash Citibank checks for those who do not have accounts, or for any suspicious fund deposits, or even for funds deposited in cash over $ XXXX or $ XXXX is understandable, but to collect on a wholesale level all personal data of any person, making any amount deposit and who is not an account - whether it is {$5.00} or {$850.00} is very concerning. My complaint is that I believe this information is being stored for use for other purposes without my permission. I would appreciate your enquiring with the bank as to what is the exact use of the information, how long the personal data is withheld, how it is destroyed, do other entities have access to this information while in it is stored XXXX third parties of any kind including their own internal products department ) and what security measures are taken to keep this information safe. At the time of the deposit, there is no written information provided to customers why they are collecting this information, and no signatures are requested by the depositors. The clerk simply hands over a small slip of paper and demands the information, and then spends an inordinate amount of time inputting all the information into the system. I have kept this piece of paper ( attached ) because I never handed it back to the teller. 

Note that for check deposits, this information is NOT requested. 

I ultimately went to my own bank, had a cashier 's check drawn up and deposited the funds required as a check into the Contractor 's account. This incurred a 24 hour delay in receipt of the funds.
Complaint sub-issue: Received bad information about my loan

I have all federal loans services through Great Lakes XXXX., and for the past several months I have been attempting to consolidate my loans and start an income-driven repayment plan. I began this process at the beginning of XXXX, hoping to avoid running up against the deadline of when my loans became due ( end of XX/XX/XXXX ). Each time I have called Great Lakes, someone has given me different information from the person before and after him or her. Often information has been, apparently, misleading or just incorrect. Currently the processing of my payment plan is being held up because they need documentation of my income. My account will show that I have attempted multiple times to send them such documentation, but due to the incorrect information, each time that information I sent was not exactly what they needed. I have been on the phone with their customer service probably a dozen times or more since the beginning of XXXX, and at no time as a service agent actually given me truly helpful information about the process of loan consolidation and beginning an income-driven repayment plan.
Complaint sub-issue: Didn't receive enough information to verify debt

I received a notice in the mail today XX/XX/21 even thought the notice is from XX/XX/21 about a debt to XXXX. The amount is for {$590.00} and they were willing to accept {$410.00} to resolve the debt. I checked the company which was Jefferson Capital Systems and the phone numbers did not match. I also checked the account number on their official website and there was no record of the debt. I also checked my XXXX account for transactions over the past 10 years starting from today and there is no transaction of such amount. I have never been sent a letter about this debt prior to the one I received today.
Complaint sub-issue: Card opened as result of identity theft or fraud

This complaint is regarding account XXXX XXXX, which you claim I opened a credit account on XX/XX/2013 for {$500.00}. This is a formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company.
Complaint sub-issue: Didn't receive enough information to verify debt

I XXXX XXXX, formerly XXXX XXXX have been contacted by Hewitt Capital LLC a company that claims to have bought my Debt from XXXX XXXX XXXX, who bought the debt from XXXX XXXX XXXX. I did take out this loan from XXXX XXXX and fell on hard times and could not pay the debt on time. I have made efforts to make as many payments as I could with XXXX before they sold the debt. Hewitt Capital in their communications which I have recorded is claiming to be XXXX XXXX XXXX  XXXX but the company name is Hewitt Capital LLC as registered with the XXXX XXXX XXXX. I have attempted to get verification of the debt and was given an email attachemnt with a letter to a previous address that I had stating only the original account number the original creditors name and the amount due. I sent an email return asking for more info in the form of the loan documents to verify. The XXXX has an alert on the company stating they could not provide all the Bonding and exemptions for states they claim to collect in. I also did more research and found numerous consumer complaints of this company and this was why I asked for more verification from them. They still have yet to provide in my opinion adequete proof they are who they say they are. In addition the company has threatened to file suit on me if I do not contact them by the end of the business day which according to them is XXXX XXXX XXXX time. According to the XXXX the company is based in XXXX XXXX but calls to my phone have been from a XXXX number. To this time the company has been bullying and used extreme tactics even though they have only had this debt for a few months. In addition the company has kept extending their dead lines on when they intend to file suit twice so far. If you could please possibly get back to me my number is XXXX with advice or if this company is legitimate. I am very concerned and have only been attempting to protect my self from fraud. lastly I did make an offer to pay the company a minimum of XXXX $ per month in addition to their XXXX $ processing fee and was told they could not accept that amount. They did make the claim they would put in for hardship and make a good reccomendation to the Judge for me. With all the infromation I have so far I do not feel comfortable handing out my information to these people fearing a scam or fraud. Any help in this matter would be greatly appreciated. Thank You and have a wonderful day
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX timeline of complaint XXXX - Ordered phones XXXX 2020 - Received Phones and activated them XXXX Received Bill dated XXXX and due XXXX for {$320.00} XXXX Returned phones within 4 days after getting them to USPS with the prepaid address label giving by XXXX XXXX XXXX. This is within their 15 days return policy. 
XXXX XXXX XXXX XXXX received the phones. USPS Tracking number XXXX. Signed by Shipping Agent on XXXX. 
XXXX - Called and spoke with XXXX. Told her we returned the phones. Said she would waive the {$60.00} activation fees, and we would only be bill for the 4 days of service. We said fine send us the bill. 
XXXX Instead of just 4 days of service, we received a bill dated XXXX for the full amount of the phones. {$2700.00}. 
XXXX Called and spoke with XXXX. Told her we returned the phones. Said she would credit us for the error. CASE # XXXX XXXX - Received a collection notice dated XXXX from XXXX XXXX XXXX XXXX XXXX for a balance of {$1400.00} XXXX - Called again. Spoke with XXXX. They only credited us for one of the phones that was returned. Said shed take care of it and remove it from collection. CASE # XXXX XXXX Got a call from XXXX XXXX XXXX XXXX XXXX. XXXX with XXXX. 
Said we had a balance of {$170.00}. Apparently for the 4 days of service. 
XXXX Called XXXX XXXX XXXX and spoke with XXXX. Told her we never received any bill for the final balance after all of XXXX XXXX XXXX mistakes. Told her we thought {$170.00} was excessive for only 4 days of service. She agreed to only charging {$32.00} and would take it off collection since it was their mistakes. We made the payment of {$32.00} directly with a credit card with the representative of XXXX XXXX XXXX as requested. XXXX XXXX XXXX XXXX confirmation XXXX XXXX - Received a notice from XXXX XXXX XXXX XXXX XXXX that the collection was paid in full. The XXXX  Report shows that the balance paid was for {$1400.00}. We never owed this amount. 
This should never have been a collection in the first place. I want this removed from my credit report as being a collection as it has lowered my credit score 100 points. 
XXXX filed a complaint with XXXX Report Number : XXXX XXXX Dispute results ready from XXXX  The report still shows this as collection of {$1400.00}. I want it removed. And I want this wiped off my credit report.
Complaint sub-issue: Account information incorrect

I checked my credit report and I noticed some inconsistent and inaccurate information on my credit report I then proceeded to contact the credit reporting agency to correct the inconsistent and inaccurate information but they did not fix the information
Complaint sub-issue: Account information incorrect

I want to bring to your attention a great injustice done to me by my mortgage company Loancare LLC ( actually XXXX ) by reporting me to Credit Birou with a fake late mortgage payment. 
I have my mortgage on my condominium since XX/XX/XXXX and I paid every month in time. NEVER missing a payment or being late!!!! Working hard for over 10 years to build a great credit score of XXXX!!! 
In XX/XX/XXXX I received my last mortgage statement XXXX , my principal being XXXX ( XXXX! ) $ after I made the payment in time. In XX/XX/XXXX I contacted Loancare for payoff, I send a cashier check of XXXX in XX/XX/XXXX if XXXX. 8 days later I found that the cashier check is lost and I cancelled it and send a new one XXXX in XX/XX/XXXX. I also send it to you the received and the trucking number for the cashier check. 
With shocking surprise I receive in XX/XX/XXXX another bill for mortgage payment in sume of XXXX . 
When I talk with them over the phone they told me that is a mistake, that the system is still generating mortgage payments because my mortgage maturity date is XX/XX/XXXX. They also told me that I should disregard the bill and that they will fix the system and I will no receive another bill for mortgage payments!! 
After weeks of talking with Loancare on the phone, more than 14_15 phone calls and hours spended with them on the phone, I found out that they actually reported me beeing late and they XXXX my credit score from XXXX to XXXX now!! 
Is a big injustice!! Is fake, stressful and very dissatisfied after years of payments in time!! 
I consider Loancare beeing very unprofessional, fake, untrue, never looking for facts or verify the payments, just spreading fake informations. I will never look forward to deal with them for any other loan, never recommend them to anyone!!

Please fix my credit score or I will look for justice in court. Just check all the fact and bring the true to the life. 
Thank you! 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX XXXX XXXX Loan number XXXX