Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

The XXXX XXXX XXXX XXXX does not have a record of our original contract and is trying to collect {$5400.00} on a membership which we quit back in XXXX XXXX XXXX 

The issues are that the card that was being automatically charged had been closed due to fraud, and also the home phone line was discontinued as we were no longer using the hard-wired telephone and transitioning to an all mobile phone plan. XXXX claims that they left messages, which can not be done to a phone line that has been discontinued, and also that they sent emails, which they are not able to provide us with proof of said emails. And there were no hard copy statements mailed to our home, less than XXXX mile away from the XXXX location. 

Additionally, I personally visited with staff to discuss the issue because my ex-wife had claimed that they were rude to her on the telephone to offer a resolution just to remove this scar on our credit report, offering an amount of {$2000.00} to make the problem go away, and this was refused. At this meeting, the person in charge of memberships stated to me that there was a lapse in accounting methods at the club because of a transition to a new accounting software. Also at this meeting, this same person looked into whether any of my family 's membership fobs had registered at the front desk after XX/XX/2016 and could not find any member log ins into their system. I was offering the {$2000.00} as a good faith gesture but am now incensed and will fight the collection claim as I see it as bad business practices, extortion, and an attempt to defame our credit. 

You will note on the member profile billing office pages that they have the incorrect email address " XXXX '' identified, perhaps this was the issue why no emails were received as the proper email address is " XXXX ''. The email was misspelled and perhaps this happened in the migration to the new software. 

I believe that if there was an inquiry audit into the bookkeeping and collection practices at XXXX XXXX XXXX XXXX, that there would be ample evidence of bullying, poor record keeping, horrible or non-existent customer relations and communications, bad business practices, and defamation of credit to their past members who have left the club. 

The attached paperwork sent to us, along with the amount due, does not display one communication letting us know that our debit card was not successfully paying the amount ( after the fraud occurred and we were issued a new card ), there are not hard copy letters of communication about an amount due with our home address on them, and there are no copies of any emails sent to us. And, they do not have our original contract on hand. 

Sincerely, Unsatisfied Customer
Complaint sub-issue: Didn't receive notice of right to dispute

Hunter Warfield Inc, was mailed a Certified and signed Cease and Desist Letter, in that envelope was also a notification detailing their Violation of my Fair Debt Collection Practice Act rights and a demand for remove the false information from all my credit reporting files immediately. Hunter Warfield Inc. has ignored my communication for removal of the information. 

Copies of the two separate documents mailed by certified USPS to Hunter Warfield Inc. are attached. Also attached is the USPS Certified stub and copy of the delivery confirmation of that envelop to Hunter Warfield Inc. 

I formally request this case be forwarded to the Federal Trade Commission for a violation of ( 809. Validation of Debts ). As stated in the copy of the letter attached that was mailed by certified USPS to Hunter Warfield Inc.

Hunter Warfield Inc. made no attempt to notify me ( 30-day notification ) of the attempt to collect this alleged debt, it was simply placed on the credit reports in clear violation of my FDCPA rights to dispute and demand verification ( see attached copy of the letter attached that was mailed by certified USPS to Hunter Warfield Inc., titled Violation of Fair Debt Collection Practice Act.

There has been no attempt to correct the FDCPA Violation since receipt of notification of those violations, per the certified letters mailed and received by Hunter Warfield Inc. The Emotional Distress of Hunter Warfield Inc actions are unmeasurable.
Complaint sub-issue: Card was charged for something you did not purchase with the card

XXXX XXXX XXXX, XXXX XXXX XX/XX/2022 - transaction amount XXXX cent XXXX XXXX XXXX, XXXX XXXX XX/XX/2022 - transaction amount XXXX cent XXXX XXXX XXXX XX/XX/2022 - transaction amount {$1400.00} XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 - transaction amount {$77.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 - transaction amount {$43.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX transaction amount {$43.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX amount {$43.00} XXXX XXXXXXXX XXXX XX/XX/2022 XXXX transaction amount {$13.00} All of the charges above were fraudulent charges that we were only alerted to us after the large XXXX  transaction for XXXX via text message alert from Citibank. I instantly called Citibank and logged into my account. I tried to do online fraud through Citibank but the transactions are in a pending status, so the system will not allow me to do any disputes for 3-5 days. I did speak with a Citibank representative who stated that she canceled my credit card and posted fraud alerts for all transactions but she stated I will not here about any outcomes for up to two weeks. I am very nervous about all of these fraudulent charges to my account especially the XXXX cent charges because those are usually test charges. Iasked the Citibank representative if they have had any fraud or hacking events and she stated no. After researching I found this to be inaccurate. XXXX XXXX and XXXX XXXX reported scams and hacking attacks pilfering over XXXX credit card customers.
Complaint sub-issue: Account status incorrect

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the is account completely from my Credit Reports : XXXX OF XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Recently, I did an investigation on my credit report which caused servers XXXX, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correctly. 
In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 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 that I am also a victim of ID theft?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 12 U.S.C and 1681i ( 7 ) Methos of verification- Description of reinvestigation procedure. 

Resolution As a consumer, by law my credit report must be made 100 % accurate immediately by credit reporting agencies updating and/or deleting the accounts listed Thank you
Complaint sub-issue: Debt is not yours

I called XXXX XXXX XXXX to validate a debt listed on my credit report. They told me the account was with their company trueaccord. I called true accord and provided my name, social security number, address and phone number. The guy told me that he could not provide me with information because the account was in my mothers name, not mine. I tried to tell him that it was on my credit report and he insisted that he could not provide me information. I called XXXX   again and emailed true accord requesting validation of the debt. I didnt hear a response back, so I called XXXX this morning and told them that I have waited 5 days to hear back and all they said was that true accord was supposed to call me later and that it was a miscommunication about the debt. I called true accord again and they would not provide me with the agent I spoke to who wouldnt disclose information with me and I again asked for validation of the debt and the guy said that they had received my email and the only thing they could do was open a dispute. I emphasized I only wanted validation of the debt and he told me that they had to investigate it which would take at least another 30 days. I do not feel this is fair. I wish to have the debt validated and I request proper documentation that the debt was indeed not in my name and now somehow is.
Complaint sub-issue: Threatened to sue you for very old debt

This company called me claiming to be the collection agency for US Bank. And they extorted me into paying {$600.00} to them. It was not until today when another person tried to scam me did I realize that I was in fact scammed here is the documents for this person. This address is registered to a XXXX store. How do I get my {$600.00} back
Complaint sub-issue: Their investigation did not fix an error on your report

Dear Discover and XXXX ; I was shocked and surprised today again when I reviewed my recent credit report and noticed a discover credit account in " terminated account status '', which I've called both XXXX  and other credit reporting agencies along with Discover that I have no knowledge of this old discover account. I've asked for it to be permanently deleted & removed from my credit report, but it still showing up on the XXXX report. However, i spoke with DIscover and they mentioned that they've already ordered all the major credit bureaus to remove it but i need to follow up with them at this point - Which i've done!

I do have an active account with Discover right now, but i'm not aware of a credit cart that was opened on XX/XX/2009 with a credit limit of {$7800.00}. Please delete.
Complaint sub-issue: Problem getting a working replacement card

My mastercard from citicards was hacked around the end of XXXX. I am travelling overseas and requested a new card to be sent to me. Citicards sent a new card but forgot to add the street number. I gave them the complete address again but instead of delivery the card it was returned to the sender. Then I requested a new card to be sent to the same address overseas however they sent the card to my address is XXXX, Florida. 
When I found out requested them to send another card to my address in XXXX. I explained that due to the pandemic of the coronavirus I don't know when I will be able to return to USA. Citicards sent this third card by regular US Mail rather then sending via XXXX as they had told. It will take months before I receive this card. 
So now I have been trying to get another card sent but the phone numbers I have been calling say to call a later time or simply hangs up. 
I am very disappointed with citicards customer service.
Complaint sub-issue: Banking errors

TCF bank has failed to honor their {$250.00} bonus for meeting their requirements. 
Based on a promotional flyer I opened a TCF " Free Checking '' account on XXXX XXXX 2017. 
The promotional code of XXXX was inputted by the customer support agent. 
The requirement to direct deposit {$500.00} was met on XX/XX/XXXX, within the 60 day window permitted to meet the {$250.00} bonus requirement. 
On XX/XX/XXXX I called the TCF customer support number, XXXX to inquire why I did n't receive the bonus since the requirements were met. At first the customer support agent did n't want to honor the bonus, but then he said he would, and that it would post on XX/XX/XXXX. The bonus never posted on XX/XX/XXXX. I called up the Customer Support again on XX/XX/XXXX and this time the agent said they would do research, and get back to me in a few days with whether or not they will bother to honor the marketing promotion bonus.
Complaint sub-issue: Didn't receive services that were advertised

Requested - by CFPB complaint XXXX - that promised theft protection be provided and notice of protection be provided to me. 

No information on protection has been provided to me.
Complaint sub-issue: Personal information

Hi, I have Never went by the name XXXX ..I would like that name removed please. Thank you, XXXX XXXX XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

XXXX**DEBT VALIDATION LETTER**** To Whom it May Concern : This letter is being sent to you in response to me regarding your account # XXXX. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and XXXXVALIDATIONis requested. This is NOT a request for " verification '' or proof of my mailing address, made pursuant to the above-named Title and Section. I again respectfully request your offices provide me VALIDATION with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2.The agreement bearing my signature stating that I have agreed to assume the debt ; 3.Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4.Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed : Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all future attempts to collect on debt including threatening calls must cease, moreover credit report deletion. Sincerely, XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I WAS GOING OVER MY CREDIT REPORT THE OTHER DAY AND NOTICED THAT COMPANIES THAT I DIDN'T GIVE PERMISSION HAD PULLED MY CREDIT.
Complaint sub-issue: Problem during payment process

Citibank along with XXXX XXXX XXXX XXXXXXXX, all lost my payments that where made from XXXXXXXX XXXX XXXX and of course claimed I took the money back but I am not XXXX XXXX XXXX. this has gone on for months and trying to talk to the fraud departments is impossible. they make you call machines where you will spend hours trying to talk to a person in this country who can speak English. every time you ask for a name or id from them they will not respond. I am a poor XXXX man that they have robo called to death threatened to destroy my credit rating and did unless i pay them which I talked to all of them and said I would pay my bill like always but not until they figure out where my payments are going be cause each time i make a payment i get an email and about three days later I get an email saying my payment has posted which they say a week later i took the payment back which is impossible but XXXXXXXX XXXX XXXX records says payment returned but it did not post to my account. I have lost accounts and loans and hours of work plus the stress and embarrasment at banks and business accounts places where i was denied accounts because of this along with background checks that have cost me business and you can not call them just a machine.
Complaint sub-issue: Debt is not yours

The attached exhibits clearly display each violation of federal law against my consumer rights that Fed Loan Services has committed and if I did not send a cease-and-desist letter on XX/XX/2021, Fed Loan Services would have continued to violate my consumer rights in regard to an alleged debt. I am the original creditor of this consumer credit transaction and am the only one who could validate this alleged debt. This alleged debt is not mine nor does it belong to me but instead my social security number assigned to me as a natural person was used for fed loan services to have a line of credit extended to the corporation. Fed Loan is the debtor/borrower for the referenced accounts mentioned in the attached exhibits. Fed loan Services also has been sharing my information with XXXX parties that were not involved at all with the initial consumer credit transaction which also violates federal law. Fed Loan Services has caused much pain and hardship for me and my family as consumers and they must be stopped before Fed Loan Services continues to violate other natural persons consumer rights. The referenced Fed Loan Service account # : XXXX should be deleted from all XXXX of my credit reports ( XXXX, XXXX, XXXX  XXXX and monetary damages detailed in the attached Bill of Particulars should be paid within 30 days of receipt of this demand letter. I hereby state that the information above is true, to the best of my knowledge. I also confirm that the information here is both accurate and complete, and relevant information has not been omitted. If this demand for violating my rights through perjury of law is not acknowledged and rectified upon receipt or within 30 days, I will proceed to file required legal documents along with my legal counsel to pursue this matter within the state/county court that I reside in.
Complaint sub-issue: Account information incorrect

On XXXX, XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX and the all three-credit bureau continue to report this account on my credit report. I have tried over several times in the past year sending letters and trying to reach each company on the phone to speak with them about this account. This is a duplicate account with a different account number. I receive no response from XXXX XXXX, all three-credit bureaus just keep updating my credit report as been verified as valid account. Im not given any information to whom and how they conducted the investigation, I have asked to show me proof with my signature with an agreement and account number to this account. I still have not received anything. 

Also, I have asked all the credit bureau to verify the Bankruptcy reference number they have listed on my credit report, per FCRA everything that is reported on my credit must be accurate. The reference number they have listed on my credit report is inaccurate and the US Bankruptcy court doesnt report any information to the credit bureaus. They have told me that it has been verified and valid, the reference number on all three of my credit reports are incorrect it doesnt match the number I have on my copy of my Bankruptcy paperwork, discharge papers, nor will it match the court records if they had done the investigation. I have 31 credit inquires on each of my credit reports and most of them are dated from XXXX until now I tried dispute especially with the data breach from equifax, equifax said they verified them and they re factual. I tried to dispute my name it has XXXX next to it, I 'm a female I sent them all the Identification they need to prove I 'm a female, there is no XXXX on my name or ID, they refuse it from credit reports. There is a medical account listed in collection I have sent them all the evidence that this account does n't belong to be but to the XXXX XXXX XXXX Veteran Affairs Medical Center. And this  account was paid by the Veteran Choice program, and I gave them the contact information. They refused to remove the account and said that the account belong to me and gave me no proof of validity that I signed an agreement of financial responsibility for this debt.
Complaint sub-issue: Reporting company used your report improperly

Open Date XXXX XXXX number XXXX account name- XXXX XXXX XXXX XXXX XXXX XXXX name XXXX XXXX XXXX These account is reporting error and have not been properly verified which this matter is a violation of my FCRA 605B ( 15 U.S.C. 1681c-2 ) I also have loan closed Student loan accounts that are reporting closed with a owed balance which is also a error and I have sent in dispute letter twice now which no update and validation so please verify all closed student loan accounts there should be no closed account with a balance on it. This is inaccurate reporting therefore please remove these accounts off my credit report and update it due to my FRCA Rights.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15USC 1681.Equifax is XXXX by 15USC 1681and they have violated my rights numerous times! I demand that the accounts listed below be removed because according to 15USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts. Also accordind to 15USC 1666a ( 2 ) of this title and such amount may not be reported as delinquent to any third party until the creditor has met the required of section 1666 of this chapter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

I contacted the collection agency L J Ross as well as XXXX XXXX XXXX. both would not remove this fraudulent charge.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter to the credit bureaus disputing a series of erroneous accounts in my credit report and the credit bureaus have never responded to my disputes, they have not even taken the trouble to notify me of the status of my disputes currently. They are reporting accounts that are ruining my credit.
Complaint sub-issue: Account status incorrect

I have asked money lion several times to fix my credit report when they said I was late and it was beyond my control as they blocked my ability to pay the bill. Now co vid hit and I need my credit more then ever. They refuse to fix this. I Want the cfpb to investigate.
Complaint sub-issue: Didn't receive enough information to verify debt

ERC is reporting to the credit bureaus about a debt that I asked to be verified, I have sent out letters to ERC asking for a contract bearing my signature to verified I owe the debt they are reporting. Not only have they not verified it but they did not response in the 30 day time period. I ask that this debt be removed immediately due to the fact that ERC have not correctly verified this debt is mine.