Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

On XX/XX/XXXX XXXX XXXX, a collection Agent for PHEAA, misrepresented themselves by identifying themselves as US Department of Education and offset by tax of {$3300.00} without Court Order. This alleged debt was a XXXX XXXX XXXX that was paid off but had been manipulated to create the current debt and was assigned to XXXX XXXX  for collection. 

Seeing the suspicious manipulation on the letter from the US Dept. of Treasury, I decided to dispute the Offset with the US Dept. of Education Ombudsman Group. The US Dept. of Education Ombudsman group showed that they did not offset my tax but said that PHEAA has the ability to garnished and certified my tax for Treasury Offset ( TOP ).

But the Law requires PHEAA to offset my tax only with a court order and PHEAA does not have the court order. GC Services, PHEAA 's Collection Agent, does not have court order required to offset my tax either, buit decided to misrepresent themselves as US Dept. of Education to offset and take my money in Bad Faith. 

I also found out that the US Dept. of Education also need court order to Offset this alleged debt because it was and is still disputed. According to the law US DOE can only Offset on undisputed debt without court order. 

This alleged debt had been disputed many times from XX/XX/XXXX but was never verified and never validated on collection accounts. 

I also disputed this alleged debt with GC Services when I received their collection letter, dated XX/XX/XXXX, in the mail. I asked for the validation of the debt as required by Texas Debt Validation process on XX/XX/XXXX but XXXX XXXX never validated the debt but continued to pursued collection action and still reporting the debt on my credit record in violation of the FDCPA. 

Returned certified mail confirmation showed XXXX XXXX received my dispute letter but never responded and never validated the alleged debt but decided to misrepresent themselves to offset my {$3300.00} and take my money in Bad Faith. 

The US Dept. of Treasury had said that only the person named in 'who do I owe ' can be able to remove, change and refund the money collected through this falsified Treasury Offset process. But the US Dept of Treasury had failed to identify the real certifying agent of this Offset.

Therefore TOP Trace # : XXXX  was certified in violation of the Federal Debt collection Act and has to be nullified and my money return to me. 

I am also requesting that my information be removed from TOP data base in accordance with the Federal Debt Collection Act due to misrepresentation by XXXX XXXX, the certified agent.
Complaint sub-issue: Fee problem

On XX/XX/XXXX I received a {$1.00} fee for administration costs. From XX/XX/XXXX through XX/XX/XXXX by Moneylion 's own admission my MoneyLion Plus Membership was transferred to their new Credit Builder Plus membership. I was receiving a 1 $ day and still now have a 390+ consecutive day logon streak, they owe me a {$1.00} to my investment account from XX/XX/XXXX through XX/XX/XXXXwhen I was forced to the new membership structure. Moneylion was unable to fix my funding account to allow me to fund the account from XXXX only withdraw to XXXX when I attempted to switch to XXXX where my direct deposit it, I switched back unsuccessfuly to XXXX and it is still not working as of today ( XX/XX/XXXX ). I have found a way through XXXX to get money to the Moneylion checking account so I can meet their new requiiements to get the membership fee waived. For all of XXXX and XXXX, they owe me {$19.00} to either my investment account or checking account. As a courtesy they are saying they will give me the membership fee for XX/XX/XXXX, but that has no value to me since I know the requirements to get it to {$0.00}. 

I have reviewed the response made by the business in reference to complaint ID # XXXX, and have determined that my complaint has NOT been resolved because :. I did hear XXXX was assigned as my complaint contact and she left one voicemail letting me know that fact but did NOT explain the outcome of any inestigation that the letter refers to. 

The first membership payment was made by me on a XXXX account a day before it was due ( XX/XX/XXXX ) as I knew it would fail since I could not get any funds into the account. The XX/XX/XXXX date must have been when it actually hit your account. Until the last four days in XX/XX/XXXX ( over a month later ), I have been fighting about this XX/XX/XXXX membership payment continuously showing as past due on my account for over a month. I had to send screenshots of the XXXX Account it was deducted from more than once to agents of Moneylion support to have it removed. This XXXX payment is finally resolved. The issue IS on your end and not with XXXX nor XXXX. I am still due the {$1.00} a day from XX/XX/XXXX through XX/XX/XXXX. It appears Due Diligence was not done by XXXX or Moneylion and while the XXXX Membership waived as a 'courtesy ' is actually due with no courtesy ( It is legally due when no service was provided ), I called back XXXX and emailed her and have yet to get a return call. This matter is not considered 'closed ' and will escalate if necessary. My compromise will be to correct the membership credits to my investment account for 2 months or the checking accounts PLUS the {$1.00} a day deposits to the investment account per your agreement. 

I have been a supporter for over a year and hope we can continue a civilized and productive relationship.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing to file a complaint against Equifax, what kind of investigations they did because my last letter of disputed that I sent to Equifax, they were received on XX/XX/2018. 
The same way Equifax defamation of character, because in the statement and fraud alerts they are publishing in my profile without my authorization, I never request any fraud alerts and I never request to put any statement on my credit profile. All this looks suspicious is the reason that I am writing to you ; how could I believe if they are doing the same with those accounts that they are posting that are repeat in my credit profile. Here is some credit report that I have received from Equifax are adding information, put fraud alerts manipulate the statements without the client asking for it. They are a violation of the right of us What they have is a game with my credit profile, I no longer tolerate what is happening I'm asking to Equifax to stop defamation on in my credit profile because this message that appears in my credit profile of any circumstance I never have asked to put any fraud alert or any statement even that phone number in the statement I do not recognize it, and I do not agree with the last letter I received, I recently saw my credit profile and I realized that, Equifax are violating my rights and reinserted accounts that have already been deleted and putting fraud alerts without my authorization anything even adding statement without I asking to put any statement. I never asked for any fraud alerts or any statement to add to my credit report. This is what XXXX  are posting in my credit profile. 
Bureau Message : THE FAIR CREDIT BILLING ACT, THE FAIR DEBT COLLECTION PRACTICES ACT, CFPB BULLETIN FAIR CREDIT REPORTING ACT I DEMAND TO SEE VERIFIABLE PROOF ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) YOU HAVE ON FILE OF THE ACCOUNT ABOVE LISTED UNDER THE FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME A COPY OF VERIFIABLE PROOF, YOU MUST REMOVE THE Bureau Message : FRAUD VICTIM. " EXTENDED ALERT ''. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME XXXX. 
I hereby request that all fraud alert information or any type of statement be removed immediately. I never request for any fraud alert or statement. 
I am requesting your assistance in putting an end to this matter.
Complaint sub-issue: Debt is not yours

I had a bank account with XXXX XXXX with a reserve line of credit attached that acted as an overdraft protection. I opened a bank account with a credit union and did not touch my XXXX XXXX   account and it had $ in the account. I went inside a branch only to find out my account was negative and about to be sent to collections. Apparently they took out a reserve line payment for more than what the account had which I did not know until I went to the branch to physically make a payment so after that it accrued fees totaling over {$100.00}. I tried to fix the issue but it was already in collections so it went to appeles collection agency in XX/XX/2019 for the amount of {$150.00} which I disputed and never heard anything nor did I receive a letter or any documentation with the outcome of the dispute.Then on the XXXX of XXXX I received a new collection letter for the same debt from XXXX XXXX which I also disputed and heard nothing.so I called the first collection agency appeles to ask what happened with the dispute they told me they weren't collecting a debt and it was marked paid in full but they couldnt release any paperwork stating that and advised me to call XXXX XXXX  which claimed to have no notations of the dispute whats so ever. Fast forward to XX/XX/XXXX I received yet another collection letter with again no outcome from the last company on the dispute again this time it is XXXX XXXX XXXX, XXXX I again disputed it for the 3rd time now within 5 months I'm just really getting tired of writing dispute letters only to get a letter for the same debt from another agency regarding the same debt that I have been disputing since XXXX. I just want this matter resolved.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX have contacted the following bureaus now for over an year to delete the following account and it has been refused to be removed. I mailed a dispute for this same account more than 6 times. I have submitted Fraud Affidavits, and police reports. This information still remains on my credit report negatively affecting me from pursuing purchases or credit cards. 

XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1.Identity theft Account XXXX XXXX XXXX XXXX ( {$1700.00} ) XXXX XXXX XXXX, XXXX, DE XXXX Opening date : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a Affidavit, and police report. Please investigate and remove from my credit report. 






Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 2.Identity theft Account XXXX XXXX XXXX XXXX ( {$1700.00} ) XXXX XXXX XXXX, XXXX, DE XXXX Opening date : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a Affidavit, and police report. Please investigate and remove from my credit report.
Complaint sub-issue: Information belongs to someone else

To my knowledge, credit cards in my name were taken out beginning in XXXX of 2021. There is one specific person that has done this and bragged about doing so online through various social media outlets. Ive tried filing complaints, pursuing charges, police reports etc with absolutely no resolve or help by local authorities as this person lives in another country. My credit remains affected. My life remains affected. I need these more than TWENTY credit cards opened without my authority by this criminal to be dropped.
Complaint sub-issue: Didn't receive enough information to verify debt

I have received multiple phone call messages to my cell phone from plus 4 inc. Saying i owe a debt. I called them on XX/XX/19 and XX/XX/19 in an attempt to learn more about this claim as i have the means and always pay my bills immediately. They will not give me any information withour first me giving them my date of birth. I asked if i could give some of that but not all since I'm cautious about being scammed, nor have i received any other verbal or written communication regarding an outdated bill from anyone. They said they would not, and could not, do anything until i gave them my birthdate to verify i am who i am. I am willing to cooperate and want to ensure my credit is not tarnished because of my rights to be properly notified by any party of a debt that they feel i owe. This is unacceptable and will be defended fully. I simply seek to understand what the claim is for and about so i can validate it's true before i provide personal information to this company not knowing if it's a scam.
Complaint sub-issue: Card opened as result of identity theft or fraud

Out of my dismay, lately I received several pieces of letters from Citi - American Airlines AAdvantage Card ( like the one I attached ) telling me that I have a card with them. Obviously somebody has stolen my identity and opened a card in my name. Even worse, Citi let this happen without any unusual observations. My XXXX email account got hacked over the past few months and I noticed that I received several requests from Citi to activate the card that I did not apply and had never received. How did this happen?
Complaint sub-issue: Account information incorrect

XX/XX/2022 i sent several letters to creditors XXXX  XXXX {$820.00} {$640.00} {$400.00} XXXX XXXX {$820.00} XXXX XXXX XXXX  {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX {$890.00} XXXX XXXX  {$820.00} {$710.00} XXXX XXXX XXXX {$400.00} {$640.00} {$230.00} XXXX XXXX {$340.00} XXXX XXXX {$500.00} XXXX XXXX XXXX {$1100.00} {$500.00} {$850.00} XXXX XXXX {$890.00} XXXX XXXX {$2500.00} XXXX XXXX {$500.00} XXXX XXXX {$570.00} {$570.00XXXX XXXX XXXX {$2500.00} about false collections on my credit report as well as late payments and creditors selling accounts to multiple debtors .Theyhave Not excercise my right under the fair credit reporting act.
Complaint sub-issue: Sued where didn't live/sign for debt

The options above do not really describe my situation fully so I chose the best option. 
The CCB does not have the correct address for me on file. They continued to deliver mail related to the matter to a family member 's house and other times had someone serve me papers at my employment. They knew I did not live there but made no attempt to get a correct address, therefore incurring more fees for a process server, and making it difficult to follow what was going on with the case. I would get served, but other times, important letters would go to a different address. 
I am a single mother and I receive no child support from the other party. I am responsible for all monthly expenses, daycare costs, preschool costs etc.. with XXXX income. I incurred some medical bills that I just could not afford and therefore the collection company was involved. These medical bills were incurred XXXX. 
I was served with the judgment and when I tried to work something out with CCB they were just downright nasty to me. 
The first time I called them, the amount to satisfy judgment was XXXX. I asked if there was any negotiation or to work out a settlement as I wanted to take responsibility and pay this in full. 
The next day when I called them to follow up, the amount to satisfy judgment was now over XXXX. Later that same day it was back down to XXXX but then they were going to add process server fees to the amount. They knew that I had the amount of cash that was stated in the judgment papers in hand to resolve the matter and refused to work with me. They would not lower the interest rate to make the amount more manageable. They have been very rude and difficult to work with and basically have given me less than XXXX hours to get the judgment paid in full and get the papers to my place of employment to stop the judgment before it hits payroll at my job. 
I am requesting a refund of the interest that was charged in the amount of {$420.00}. These people screamed at me on the phone, hung up on me, when all I was trying to do was find out if they would lower the amount just a little and work with me. And they refused..
Complaint sub-issue: Account terms

Creditor will not accept my payment. For a 5th time. Please delete.
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. 

XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$7500.00} XXXX XXXX {$820.00} XXXX XXXX {$900.00} XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$100.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation will follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Complaint sub-issue: Information belongs to someone else

XXXX Equifax and XXXX keep reporting information on my reports that are mixed files and they have my name and last XXXX of my social security number in his credit file as well as names addresses and other wrongful information and negative accounts that are making it very difficult for us to make good use of our right to a fair credit opportunity
Complaint sub-issue: Their investigation did not fix an error on your report

Hi, Months ago, I noticed I had accounts with XXXX XXXX listed on my credit report. I contacted them with the intention of consolidating the sums and paying them off. Upon speaking with XXXX, I was told that there were no accounts shown in my name, except one of {$37.00}, in which I paid at that time, though it was not even one of the ones listed on my credit report. They transferred me to another department to see if they could find accounts in my name. They could n't. They told me to dispute the accounts with the 3 credit agencies and they should be removed, hence they can not find any accounts associated with my name, phone number or address. 
I disputed them. XXXX and XXXX both deleted the accounts from report. Equifax responded that they had proved the accounts to belong to me, and to contact XXXX with any questions. The phone number Equifax provided for XXXX was not in service. I contacted XXXX again, from the phone number on their website. I was told the same thing, no accounts shown in my name. I asked for a letter stating this, and was told that they can not speak on my behalf since I have no accounts with them ; and to dispute them. Again I disputed them with Equifax with this new information. Even told them to request the phone recordings of XXXX stating this since they state that the calls are recorded. Again Equifax stated that they found the accounts to belong to me and again provided a number not in service for XXXX. At this point I am frustrated because it is affecting my credit score. I am in the process of trying to buy a home. I can not get the XXXX accounts off of my report by paying them because XXXX can not find these accounts, nor can I have them removed because Equifax will not delete them like XXXX and XXXX did after their investigation. When I called Equifax to discuss this I was told that I can dispute them again. I do not know what else to do. 
Thank you
Complaint sub-issue: Reporting company used your report improperly

Despite the fact that I have no access to my credit report via XXXX, I am deeply troubled by the handling of my personal information. 

I 'm not informed of what steps to take to ensure the safety of my personal information.
Complaint sub-issue: Account status incorrect

I have disputed the late payments on this US DEPT OF ED/XXXX XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Complaint sub-issue: Account information incorrect

XXXX is going from Agency to Agency reporting an account that isn't mine. It's predatory.
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}, {$0.00}.

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 ) -- CLOSED ACCOUNT 1. 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 XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

The Problem that I have been having with this company is that I have been trying to solve a mistake that they made while reporting on my credit report a late payment when Im sure that I made that payment and Have sent the proof on this letters attachments, Ive tried to solve this with them already but when I called them, they say there is no late payment in their system. Furthermore, they will not fix anything for me even though they admitted I am not late, and this has affected me on my mortgage putting me on escrow, just to think about the fact that this could have been solved by just putting a small effort and fixing their mistakes makes me feel bad because I would not be in the situation that they basically put me in. 

If this continues to be an issue and they do not tend to resolve their mistake I will feel no more than obligated to file a sue against Discover since they refused to fix a mistake that they did, and it brought serious consequences against me.