Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

Mariner Finance approved a loan online in my name, which was not opened by me. The loan is fraudulent. I provided the company a valid FTC Identity Theft report as well as a valid police report. I also reached out to the company 's head of compliance to note that I did not open the account. I believe the account was opened by a family member without my consent and I appraised the compliance department of this fact. The company has refused to remove the account from my credit report despite the fact that it was fraudulently opened. I am submitting this formal complaint to contest that the company must remove the information from my credit report because the account was opened by someone other than myself and therefore an act of identity theft.
Complaint sub-issue: Reporting company used your report improperly

Equifax was hacked and my personal credit information is now available to black market hackers.
Complaint sub-issue: Don't agree with fees charged

XXXX XXXX, by and through its current collection agency, ERS, will not respond to my requests for documentation to prove the amounts owed on loans which have - largely and likely - been paid. Every time I ask XXXX XXXX for information, they simply change collection agencies and the process begins all over again. I have requested very specific information and have requested communications in writing ( since prior discussions and promises are unrecorded and unenforceable - in addition, there is no recording of tone or threats of the collection agents ) and have received NOTHING. However, recently, ERS has continued to report negative information on my credit report resulting in a XXXX point drop to my FICO score. 
Specifically, the information that has been requested in evidence of receipt of a payment made on my student loans in the amount of ( approx. ) {$19000.00} which has not been credited towards any amount owed. I have also requested evidence of authorization and/or ownership of the loan so I can determine whether or not the ( now ) XXXX agency handling my account has to proper authority and, in addition, I seek clarification of who owns the loans. It appears to continue to be XXXX XXXX, but they have failed to credit the near {$20000.00} they received on my loan. In short, they are seeking double recovery. 
Each time a new collections agency is involved, I get a letter requesting written confirmation if a dispute is being made as to the amounts owed. Each time I dispute the debt in writing and request information, my requests are ignored. 
The prior agency, XXXX XXXX, simply walked away from their efforts. The new agency, ERS, is choosing not to communicate with me, but simply engage in negative reporting on my credit. This complaint is linked to XXXX other complaints - all against the same efforts and same " owner '' ( I think ) - XXXX XXXX and its collection agency of the day.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Credit bureaus are reporting inquiries that I have no knowledge of. I wasn't extended any credit from the below listed companies. 
XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX, XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Debt was paid

Good afternoon, I contacted Jefferson Capital Systems , LLC. to get a debt validation prior to proceeding with their allegation I owe a debt especially since I've never done business with this company. This was sent XX/XX/XXXX and they received XX/XX/XXXX confirmed through Certified Mail. In my debt validation request in which I have the right to request under 15 usc 1692g, I asked Jefferson Capital Systems , LLC. to provide validation through : * The amount of the alleged debt * The name of the original creditor to whom the debt is owed * The name and address of the original creditor which differs from XXXX XXXX XXXX * The agreement between Jefferson Capital Systems , LLC and XXXX XXXX XXXX granting Jefferson Capital Systems , LLC. the alleged right to collect on XXXX XXXX XXXX behalf * A statement that if I notified Jefferson Capital Systems , LLC in writing within 30 days that the alleged debt is disputed, Jefferson Capital Systems , LLC must give me the verification of the alleged debt and a judgement against me the consumer * Any insurance claim submitted by any creditor regarding the account in question. 

I stated if any of the information requested isn't received or provided and an invalidated debt is still being reported to consumer reporting agencies, I will have to exercise my rights under 15 usc 1692k which includes for me filing this complaint through the CFPB. 

In response to this call to action on XX/XX/XXXX I was sent misleading and offensive information stating " they can't sue me due to law limits of time when they can sue on the debt. '' They state " if I dont pay the debt, they may or continue to report to credit reporting agencies as unpaid as long as the law permits this reporting. '' They also included 1 false and misleading representation of what they call a " verification '' of the alleged debt which is nothing but a statement from XXXX XXXX XXXX being sent to MS XXXX XXXX XXXX dated back to XX/XX/XXXX reporting on the alleged debt. This is not a validation of the alleged debt as I requested. This statement doesn't address any of my validation requests and is intended to mislead me on information regarding the alleged debt. This isn't right and I will like to continue to take action against Jefferson Capital Systems , LLC. pursuant to 15 usc 1692d. Thank you for helping me to bring remedy to this unfortunate circumstance.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX has been violating me for the past decade. I have never done business with them but they continue to report negative information to the credit agencies which is ruining my reputation and defamation of character. The correspondence is false and misleading and there are also a number of violations including harassment by mail and phone. I requested they cease and desist all collection activities but this company continues to breach my right to privacy and disregard federal laws that I am protected by as a consumer.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2019, I notice a inquiry on my credit Report : XXXX/Equifax/ XXXX dated for XX/XX/XXXX XXXX, I then contacted the company listed on my report via Phone and certified mailed letter sent to their address asking why is a inquiry on my credit file and Equifax Mortgage , response to both means of contact was the same reply! 

They were not able to provide the reason for the inquiry nor who Authorized this inquiry, they said I would have to contact the original lender known as XXXX XXXX to gather information. 

I immediately called XXXX XXXX  for a explanation why this company ran my credit if I never applied for a loan or signed any contract for a loan or sign a application for funds/ Insurance etc. 

They were not able to provide any significant documentation to display my signature or myself Authorizing this company to check my credit report Electronically, or with a signed document with my signature.
Complaint sub-issue: Their investigation did not fix an error on your report

There were several accounts that i disputed on my credit report. They were either not my accounts, or were reporting incorrectly. I sent the dispute in to Equifax and XXXX. I asked to give me the information received from the companies that were contacted to verify that these were my accounts. I received nothing back from the credit bureaus but the accounts were verified to be mine. I then sent another method of verification letter to Equifax and XXXX. The same results, verified but they did not tell me how and by who it was verified. On Equifax the accounts were, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  which shows twice but are the same account and XXXX XXXX XXXX. On XXXX the accounts are XXXX XXXX XXXX XXXX XXXX accounts. Also on both bureaus there are inquiries that are not mine and should be removed. Every time i sent a dispute about inquiries they tell me to contact the company directly. I contact the company they tell me to contact the credit bureaus. Also XXXX has my name spelled incorrectly on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Hi, I have a case with you concerning Equifax case XXXX. They mailed a letter in responses to the complaint requesting the same information I have sent for 2 yrs. They are playing game, they think if they respond to us that I will forget and drop the case but Never this is illegal and they are wrong.Please post a review of this issue and inform me and others of how to pursue Attorneys. 
What are my rights under the Fair Credit Reporting Act? 

The FCRA provides a list of consumer rights regarding individuals credit history information. Under the Fair Credit Reporting Act, you have a right to : Access to Your Credit Report The act requires credit reporting agencies to provide you with any information in your credit file upon request once a year. You must have proper identification. 
XXXX tried to do the same thing, but thanks to you consumer protection after 2 yrs of them withholding my report they mailed it to me, '' Your awesome ''. So I will wait until you win my case as always, your champs. Thank you from the top of my heart, '' all who suffer injustice by these companies thank you.
Complaint sub-issue: Banking errors

XXXX  - I received Citigold Promotion Invitation through my email and enrolled the  promotion.This email o f mine has registered with   Citibank Earn Up to a {$700.00} Cash Bonus after you fund a Citibank Savings Plus Account.
Promo Code   XXXX   XXXX  - Deposit new t o Citibank Fund into my existing Citi Gold Savings Plus Account. And the deposit is maintained in Citi Saving Plus until now.    Record is as below :  XXXX  ACH Electronic CreditFID BKG  XXXX   XXXX   XXXX  {$30000.00}  XXXX  - Have received  Citi    bank research results responding my inquiry on when to receive the cash bonus {$300.00}, Citi bank has denied the cash bonus offer for the reason : " Unfortunately, there was not Cash promotion offered in conjunction with the opening of your account. While Citi does offer Cash promotions at times, those offers are only available to the individual to whom the offer was addressed. '' It is so obvious that Citi Bank either did n't do their so-called research at all, or Citi Bank refused to honor customer cash bonus by some fraudulent reason : First of all, the promotion offer I was enrolled under IS NOT EVEN about opening account. Second, I am the targeted customer. I have   received promotion letter through m y Citibank regi stered email and physical address mailbox.     The promotion  XXXX  detail is described as follow ( the following text is copied and pasted from another research letter also returned  by Citi Bank, w hich is responding to my inquiry about this promotion details and requirement on  XXXX  ) : Dear  XXXX   XXXX ,  XXXX / XXXX /  XXXX    XXXX  Thank you for your inquiry on  XXXX / XXXX /  XXXX   regarding your Checking account number ending in XXXX. We have completed our research and the results are as follows : The terms and conditions for Promotion  XXXX  required the following Make a minimum deposit of {$25000.00}, with money not currently held a t Citibank or its affiliates, into a new or existing Citibank Savings Plus Accou nt between  XXXX   XXXX ,   XXXX   and  XXXX   XXXX ,   XXXX  .   A minimum balance of {$25000.00} is required to be maintained in the  Citibank Savings Plus Account for three sta tement periods after the {$25000.00} minimum deposit is made.   A regular checking account packa ge ( the Citigold account package, the Citibank account package, the Basic account package, Student  package or Access account pack  age ) is required.
The qualifying deposit tiers are : $ 25,000.00- {$49000.00} earns a {$300.00} bonus ; $ 50,000.00- {$99000.00} earns a {$400.00} bonus ; $ 100,000.00- {$240000.00} earns a {$500.0  0} bonus and {$250000.00} and more earns a {$700.00} bonus.   The qualifying deposit must be maintained in the  Citibank Savings Plus Account unti l  XXXX   XXXX ,   XXXX  .   Once you meet the above terms and conditions, please allow up to 90 days from the date of the qualifying statem  ent ( s ), which satisfied the terms and conditions, to receive your incentive.
I have met all the terms and conditions. Hope CFPB can help me seeking for the justice.     Thank you very much  XXXX
Complaint sub-issue: Problem making or receiving payments

Citibank has blocked a personal checking account as of XX/XX/XXXX due to suspected fraudulent activity. 
2. A check provided by Mr. XXXX XXXX residing at XXXX XXXX XXXX, XXXX XXXX, XXXX, Indiana, XXXX for {$4500.00} has been returned reason E - unable to locate account 3. The originating bank is XXXX XXXX XXXX XXXX  and the check has the address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX, AZ, XXXX 4. As a owner of a XXXX XXXX XXXX XXXX   started in XX/XX/XXXX, I have received a number of payments from clients with very few bad checks. 

Citibank has created the same issue in XXXX when I received another check from XXXX XXXX and they returned the check. The amount had to be authorized again In XXXX, a forged check {$200.00}, XXXX XXXX had to be investigated after considerable time and effort was put in by the consumer to have the appropriate Citibank offices provide timely information. 

5. Mr. XXXX reached out to me via XXXX  and XXXX  ( short term holiday platforms ) to book a holiday XX/XX/XXXX-XX/XX/XXXX. Thereafter he proceeded to email every few days requesting a booking. Upon receiving payment requirements, he said as it is a company check, it would only be paper and after getting an invoice and the property address, a check was received as of XX/XX/XXXX. 
5. As of XX/XX/XXXX, Citibank placed a hold on the account through branch XXXX, block XXXX. At the moment, Im unable to pay mortgage or any bills due to this issue with the banks. 
6. The XXXX XXXX XXXX XXXX  only has a branch in XXXX, Arizona and they do not have any locations in XXXX. They also have not been able to confirm if XXXX XXXX is a client or if XXXX XXXX is associated with this person.
Complaint sub-issue: Funds not received from closed account

My account with Keybank was closed. I had logged into the account on a regular basis. No effort was made to contact me. The funds were supposedly turned over to the state but I can not find them in the unclaimed funds database. 

The account was " Hassle Free Checking '' there were no minimum transaction requirements to avoid a fee or account closure.
Complaint sub-issue: Attempted to collect wrong amount

I contacted the agency Armada Corporation, to settle the debt, they have listed as {$1300.00}, that they reported today. They said I would need {$3500.00}. To pay it off. Those are very different amounts. The debt is also almost at it 's 7 year statue of limitations so they tried to make me make a smaller payment so they can continue the collection proceedings. I am willing to settle the debt for the actual amount of {$1300.00}. But they are n't. I need help. I appreciate your time and consideration on this!
Complaint sub-issue: Account information incorrect

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S Code 168i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) method of verification Description of re-investigation procedure.
Complaint sub-issue: Their investigation did not fix an error on your report

We have on several attempts with XXXX to resolve an inaccurate late payments caused by XXXX of XXXX XXXX to submit a pay-off check to US Bank, after the XXXX XXXX XXXX was traded on XX/XX/XXXX. 

XXXX of XXXX XXXX failed to remit their check # XXXX in a timely manner due to personnel changes, as indicated by Mr. XXXX XXXX, Subject : Delayed Payoff Check # XXXX XXXX XXXX to US Bank, dated XX/XX/XXXX. 

The dealer was eventually closed by the authorities due to several illegal activities that indicated Mr. XXXX. 

The payment trend was excellent until the trade-in, which should indicate the true payment pattern we had established with US Bank. This is the latest late payment in XXXX / XX/XX/XXXX had has caused harm to my credit report.
Complaint sub-issue: Debt was paid

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX is trying to collect on a college loan that was hardship discharged after the death of my husband in XXXX. I 've had no further correspondence regarding this loan until this past year when now they said I am delinquent and trying to attach to my wages. They have already taken my tax returns. They do n't call, they do n't answer calls, they do not send any paperwork. They never contacted me regarding any payroll withholding so they are doing this without my permission and I 've ready received a release from withholding from them when they tried to do this in XX/XX/XXXX and my payroll department contacted me. They are trying again in XX/XX/XXXXand I 've sent paper work to them twice that they have released me from withholding already but my employer says the will have to withhold if XXXX does not contact them to straighten this out.
Complaint sub-issue: Fee problem

Over the last several weeks I've been trying to get a refund of a {$30.00} fee that the bank has unethically taken from my account. During this time I have spent many hours on the phone with multiple supervisors who have been unable/unwilling to help. Constantly trying to push me off the phone with no resolution, or one who inevitably hung up on me on the morning of XX/XX/2020. 

All I need is a simple issue resolved, but due to the banks online only nature there is no physical location I can walk into. I'm hoping this complaint will get me in contact with someone who can actually help me. All I need is someone with the authority to actually fix this issue. PLEASE!
Complaint sub-issue: Debt was paid

I had a XXXX XXXX credit card XXXX account that was charged off. I settled this account out directly with XXXX XXXX  for {$840.00} and the payment cleared my bank account. Months later now I am getting contacted by a collection company called MRS BPO trying to collect on the same debt. Not only has the account been resolved it is still on my credit file as if I owe and now a collection company is reporting I owe as well. 

Please help
Complaint sub-issue: Was not notified of investigation status or results

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

1. 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 FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. 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 FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Account information incorrect

I disputed the information with XXXX  and yet the information remains on my credit report even after agency involved wrote letter that I do not have an account with them. I've only disputed with XXXX  but have same information on other credit reports. Attaching copy of letters. My credit rating has taken a drastic hit at a time I'm trying to secure a mortgage.
Complaint sub-issue: Can't temporarily postpone payments

I had an existing 6-month grace period on my student loan account. When I applied for an unemployment deferment, it overrided my grace period, cutting it short. Now Great Lakes is saying I must pay up soon. 

Furthermore, I am in graduate school. 

I am publishing this information to the Consumer Financial Protection Bureau for others to see.