Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Not given enough info to verify debt

This letter is in response to your recent claim regarding account # XXXX, which you claim to have verified as closed and XXXX balance. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
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. 
An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Complaint sub-issue: Information belongs to someone else

I have disputed accounts on my XXXX credit report that is not mine or not being reported correctly but it's still showing on my report.
Complaint sub-issue: Account information incorrect

Inaccurate date opened on multiple student loan accounts. Please have the company delete it immediately.
Complaint sub-issue: Public record

My credit report is showing a vague public record owing {$920.00}. This information is inaccurate and the information does not belong to me. I have tried to dispute the information in the past including obtaining a police report for identity theft and and the information is still showing on Equifax report however no other bureaus.
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

i do not want this costly service and they refused to cancel the subscription
Complaint sub-issue: Reporting company used your report improperly

For the past couple of months I have been on XXXXXXXX XXXX  unable to work undergoing financial hardship and I have expressed to Sallie Mae on multiple occasions about my situation. When I initially talked to Sallie Mae they did not disclose that my credit would be hit with these delinquencies and in many ways then one have ruined a lot of things for me. Back when I contacted Sallie Mae in the early months of this year I disclosed that I would be going on XXXXXXXX XXXX  and would not have any stream of income coming in for a while. They badgered me with the same questions trying to determine if I qualified for someone that couldn't afford to make payments. The only solution they gave me was 1 month of forbearance and i wouldn't get any other assistance until i paid 12 months worth of full billing payments. I found this to be unbelievable when I am initially contacting them because I was currently undergoing financial hardship. Every time I do get in contact with someone at Sallie Mae I feel as if I get trapped into a deeper hole that I did not sign up for. My credit along side my cosigner credit has been diminished all because Sallie Mae refuse to handle this situation with delicacy and care for the consumer that they are violating. According to 15 USC 6803 a ( 1 ), my nonpublic personal information furnished on my consumer report without my permission nor any full disclosure from the financial institution SALLIE MAE, is a violation. Sallie Mae has continuously harassed me and my aunt contacting us over XXXX times within one week. According to 15 USC communication in connection with debt collection, the company violated 15 USC 1692c ( A ) ( 1 ). A couple days ago I was harassed by Sallie Mae after business hours which business hours are from XXXX to XXXX and after the fact that they accepted to not contact me on this matter, which in turns violates my rights and code 15 USC 1692d ( 5 ). Due Sallie Mae violating my rights it voids out the contract at hand.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXXL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXXXXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXXXXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX  Inquired XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX XXXX  Inquired XXXX XXXX XXXX Inquired XXXXXXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions not to mention the fact none of these were from me they were false or fraudulent attempts
Complaint sub-issue: Information belongs to someone else

I am requesting with this written notice that the following inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX be removed from my credit report. The items are not correct and opened as a result of ID theft and wrong reporting infomation and are causing me financial distress because of their derogatory information. I am, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act of your mistake. If this final request does not prompt you to conduct the removal of the account and send proof to me of said investigation or removal, I will file a civil suit in XXXX Ohio for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed a dispute with all 3 credit bureaus asking XXXX XXXX XXXX to update my credit report to show that I paid on time between the months of XXXX and XX/XX/2020. They have all come back with a status of my account and credit report being updated. However, my credit report still shows that no data was received during those months, it appears that I was in deferment that long and I was not. I never agreed to a deferment, only a 2 month payment extension for the months of XXXX and XXXX, right around the time COVID-19 hit. I have reached out to the company as well and was unable to speak directly with the credit department. I feel like this was done intentionally to increase the number of customers that appeared to be on deferment during the pandemic for federal financial gain or assistance programs related to the businesses impacted by COVID-19.
Complaint sub-issue: Reporting company used your report improperly

I had a XXXX XXXX account. They marked me late on the last month of my loan. I asked for an accurate credit report. I still found inaccuracies when I pulled my report. 


In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a right to privacy. 

15 U.S.C. 1681 section 602 A. Section 2 : It also a customer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Other problem getting your report or credit score

Was involved in class action suit for security breach of personal account information and Equifax was to provide all those affected free credit monitoring service in accordance with the class action settlement. I still do not have free monitoring on my account.
Complaint sub-issue: Information belongs to someone else

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research botXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/201XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$17000.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$9400.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/2016 If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Information belongs to someone else

XXXX 'XXXX client XXXX XXXX is a victim of ID theft. His information was used without his consent to apply for an account with XXXX XXXX. An account with XXXX XXXX XXXX was estaliblished and charged for {$4300.00} dollars. This was done without the consent of XXXX XXXX. An official dispute of this information was submitted to XXXX XXXX fraud department XX/XX/XXXX ; however as of this date XXXX XXXX has failed to provide an update of the investigation and they have continued to report the account to XXXX XXXX 's Equifax credit report. In addition an official dispute of the XXXX XXXX account was submitted to Equifax ; the address associated with the fraudulent account was also reported to Equifax however, as of this morning XX/XX/XXXX, " XXXX '' a representative with Equifax confirmed with my client, XXXX XXXX the fraudulent address and XXXX XXXX information was not being removed. 
Both Equifax and XXXX XXXX are in violation of FCRA and have violated my client 's federal consumer rights.
Complaint sub-issue: Can't get other flexible options for repaying your loan

On  XXXX   XXXX  around  XXXX  EST, I calle d Sallie Mae  customer support in regards to potentially reducing my monthly student loan payments due to financial difficulty. Initially I was offered to put up t o 3 loans on forbearance for up to 3 months at a time each . As I informed the customer support contact, such a method is temporary, limited, and not substantially helpful.     I asked for a more effective method to lower my monthly payments. After some time on hold, I was informed of a rate reduction plan available only to those who have missed have a payment, known as " delinquent ''. I then asked why I can not enroll/apply for this program now instead of after missing a payment. I was told that only the collection department can do assist with that and they will ONLY contact me 5 days after my first missed payment. They will not help me because my account is " current '' for paying my student loan bills on time.     The burden of student debt has been especially crippling after college graduation and some relief or assistance would be incredibly appreciated.
Complaint sub-issue: Information belongs to someone else

address names and employment all ftc violation will list : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX. 


job : XXXX
Complaint sub-issue: Used obscene, profane, or other abusive language

Upon calling Procollect XXXX XXXX used offensive language and rude tactics, refused to provide payoff options, and attempted to force me to pay the debt100 % in full refusing to provide and information about the debt owed. He stated that he didn't give a XXXX about my circumstances or divorce and hung up on me. Upon calling back and for 2nd time asking to speak with some one in management, XXXX then told me I was asking to many questions. Stated he's not hear to answer my questions and to pay the XXXX debt. He then hung up on me a 2nd time. Ultimately. XXXX blocked my ability to pay the debt. Upon calling back the receptionist stated she could no longer see the file and insisted that the only I could talk to someone about the debt would be to email XXXX.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX ( XXXX XXXX XXXX ) claimed I did not make my mortgage payment in XXXX, 2017. 

I made one payment on XX/XX//2017 to XXXX XXXXXXXX XXXX XXXX XXXX ( the original lender ) and a second payment on XX/XX/2017 to XXXX. 

I realized at a later date that XXXX had reported my payment as late which is inaccurate. I have reached out to XXXX and the credit agencies several times to get this removed. However, it remains reported late.
Complaint sub-issue: Banking errors

On XX/XX/2019 I contacted Discover Bank regarding an error on a custodial account for which I am the custodian. I became aware of this error when I receive a 1099 in the mail for an account that should not have one. Discover apparently backup withheld on this account even though they had a valid TIN for the minor and all the proper paperwork on the account. 

I requested that they reverse the transaction and correct the 1099 with the IRS. They refused. 

All that was offered was to credit the amount back to account as a " courtesy '' and advised me to consult a tax professional about how to handle the 1099. They claim there is no way to correct the 1099 error, which I find very difficult to believe. It is far more likely that they don't want to deal with the hassle for an IRS correction. To put the onus on me, to hire a tax professional to deal with this is absurd. They actually attempted to blame the situation on me for not noticing the very small withheld amount during XX/XX/2019 and said I should have reviewed my statements. Again, ridiculous. This is a custodial account for which I made a couple deposits each year as gifts to my niece. I trust that my bank will handle the account correctly and should not have to monitor for their mistakes. 

I am asking the CFPB to intervene and prompt the bank to make the correction they are responsible for. 

I did not upload a copy of the 1099 as it contains sensitive personal information and I am not certain of the data security over this communication. I have several custodial accounts for family members, so I will identify this as the account belonging to XXXX.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 I viewed my credit report with Equifax and found many inaccuracies. On or about XXXX/XXXX/202 I disputed all the inaccurate information. As of today ( XX/XX/2022 ) I have not received a response or any information with regards to my disputes. On XX/XX/2022 I tried to look at my credit report and I was unable to for whatever reasons. I called Equifax and told them XX/XX/2022 on requested a copy of my credit report because of this. I was told that they were sending me a copy of my credit report yet I have not received it. I called again today and was told that they sent it to me however I never received it in my locked mailbox. Im still unable to see what they are reporting about me and if they have corrected the inaccurate information. It is unfair to have information reporting about me that I have no knowledge of or can not be made aware of.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, caused defamation of my character and emotional and physical stress : XXXX XXXX XXXX - XXXX, XXXX XXXX  XXXX  XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX - XXXX, Unknown - XXXX XXXX U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT.

Please send me an updated report upon completion of my request. 
Sincerely, XXXX XXXX
Complaint sub-issue: Public record

Dear CFPB, this complaint is in response to Equifax 's investigation and verification of an public record that appears only on XXXX XXXX 's Equifax credit file that is being erroneously reported as verified by the furnisher, when the original creditor and the debt collector have removed their tradeline but still report this public judgment falsely as due and owing by I, XXXX XXXX XXXX without due process. Reference Case ( s ) # XXXX. XXXX XXXX has yet to respond to dispute. Under XXXX XXXX XXXX XXXX - Validation of debts XXXX Disputed debts " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection XXXX of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. '' XXXX XXXX XXXX has not complied with this requirement. 
Debt collector : XXXX XXXX original creditor : XXXX XXXX BANK, XXXX Partial acct # XXXX ... 
( This account is being reported by XXXX as a charge off and debt was sold to another lender. XXXX XXXX is reporting this as a open account, {$850.00} is due and owing, but as a public record jugdement, {$980.00} is owed. Spoke with several persons on XXXX/XXXX/15, from XXXX who referred me to speak to someone at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX. I have sent the debt dispute letter to XXXX XXXX certified mail with green receipt. A individual named XXXX XXXX signed for it as an agent for XXXX on XXXX/XXXX/15, but as told by someone named XXXX at XXXX who is handling account for XXXX, contact XXXX speak to a man named XXXX XXXX @ XXXX XXXX XXXX XXXX XXXX. So this is a total diversion to not meet my demand and continue collection on a unsecured credit card debt that is not mine.
Complaint sub-issue: Information belongs to someone else

I have disputed incorrectinformationon my credit file from XXXX XXXX XXXX. this company is reporting an account that I 'm not aware of from XXXX which is claimed to have been openedby my ex wife. It is being reportedon my file as a duplicate account. I disputed with the creditor as well as the credit bureaus but has failed be removed. Because I have n't heard fromXXXX XXXX XXXX and it 's been over XXXX days I disputed with CFPB whom response was that XXXX XXXX XXXX did NOT respond to them as well. Now I have decided to add in the credit bureau to get my file corrected
Complaint sub-issue: Problem while selling or giving up the vehicle

This complaint is about US Banks end of lease maturity services. Once our car lease was ending we were transferred from US Bank Financial to their End of Lease Program to coordinate returning our vehicle XXXX XXXX 2017. The End of Lease program coordinated an inspection by a 3rd company which we completed on XXXX XXXX. The services provided by this party were fine. <P/>The issue at hand with US Bank was when I wanted to return the vehicle. They said return it directly to the dealer where we leased ( they went bankrupt and closed ) the vehicle. As this was not an  option they said they would pick it up which we confirmed via phone on XXXX XXXX. They said the car would be picked up in 7 to 10 days. Unfortunately I had to call again on XXXX XXXX - they said they had an error in their system and it would be another 7 - 10 days. I called again on XXXX XXXX and was told they would pick it up on XXXX XXXX. I called again on XXXX XXXX and they confirmed they would get it on XXXX XXXX. <P/>As a result of US Banks transferring between departments they try to confuse the consumer and cause incremental charges. We received an additional bill for two lease payments for the time we were waiting for them to pick the car up which we are disputing and want assistance with. This is awful behavior from this institution.
Complaint sub-issue: Information belongs to someone else

I was viewing the details of my credit report and I saw that XXXX XXXX  # XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX had some inaccurate accounts on my file that I don't recognize. I was looking at the FDCPA, 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. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you are unable to provide me a copy of the verifiable proof, of this information.
Complaint sub-issue: Investigation took more than 30 days

XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.