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

On XX/XX/XXXX at XXXX XXXX  EST, I received a call from a company called Unifan ( sp ) claiming they called on behalf of XXXX XXXX in regards to a debt that they obtained from XXXX XXXX XXXX. I informed the gentlemen that I had not received any communication from either his company nor XXXX XXXX and that I was formally requesting information regarding this alleged debt from them. I had not received any communication from either company prior to that date and I requested validation of the account via the phone. The guy refused to provide me with information regarding this debt via the mail and kept saying, " we will email you '' and " this is already in collection '' and " we don't use mail ''. I have a legal right to request communication regarding alleged debts to be mailed to me via the United States Postal Services, and this company refused my right to this request. When I informed him that I was recording the call ( Georiga is a one-party consent state where I can give consent to record a call without prior notice ) he hung up on me. This is a direct violation of my right to request information in writing from a debt collector on an alleged debt. 

XXXX XXXX is now reporting this debt on my credit report, and the company they hired to collect this debt violated my rights. This account must be removed due to a violation of my consumer protection rights. 

I have an audio recording of this phone call, as does Unifin since they record all calls, so there is audio proof of this company 's refusal to honor my rights as a consumer.
Complaint sub-issue: Information belongs to someone else

It appears that 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, the 3 credit bureaus 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 both parties require ). Please remove these files. 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they 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: Problem with customer service

I filed a complaint with your office Case # XXXX. 

The case was closed due to the company responding. 

In their response letter they said if I had any further questions that I could contact : XXXX XXXX, Executive Office of Customer Advocacy, at XXXX. 

I left her two messages on her recording within the past two weeks and have yet to receive a return call. 

I feel Discover is using unfair loan practices in my case and are avoiding to return my calls. 

I would hope that perhaps this office can persuade a call back from her or any other Discover person in the Executive Office of Customer Advocacy. 

I know this office can not act directly on my behalf but I do feel it could further review their practice and determine if they are practicing unfair loan practices by referring to the practices I explained in my complaint. 

There explanation of my daughter 's debt to earnings ratio being to high at 22 % seems to be ridiculous. 

Or even better if they deem a lender that is not eligible to qualify to refinance and lower their rate is refused a cosigner? 

If they're truly concern is her inability to repay a loan why would they not want to accept a co-signer which gives the financial institution a greater protection on their loan? 

Perhaps because they know that the refinance would reduce their interest earnings. 

Sounds like an unfair loan practice that again should be looked into by the CFPB oppose to letting the financial institution continue oversee itself when their response makes no sense. 

Student Loans have a very high delinquency rate and financial institutions should treat those borrowers that are paying in a more fair or perhaps more legal loan practice.
Complaint sub-issue: Account status

I had an account in collections that was paid. Exquifax has not updated or removed the account. I submitted a dispute, which they " investigated '' and responded with the information being " verified '' and an overdue balance. I contacted the creditor, who verified that the account was paid over a month prior and that the account had been updated with all XXXX major credit bureaus. I again contacted Equifax, they refused to update their information or attempt to resolve the misinformation.
Complaint sub-issue: Other problem getting your report or credit score

Unable to Get my updated credit report. I want my credit Score to be updated
Complaint sub-issue: Reporting company used your report improperly

I am distressed that the included information below in my credit profile that the credit bureaus have failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports being published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Im a natural person my name is XXXX XXXX XXXX and the credit bureaus have violated my rights. Ive sent out dispute letters to resolve any issues. 
Refer to 18 U.S. Code 242- Deprivation of Rights under color of law.

Also, refer to U.S. Code 241- Conspiracy against rights, your company, and the creditor equals two or more persons conspiring against my rights and privileges secured to me by the U.S. Constitution.

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 famish an account without my written instructions.

1. Under 15 USC 1681i ( 7 ), 15 USC 1681e ( b ), and 15 USC 1681i ( 5 ) This account is in violation of not reporting 100 % accurate it lists the bankruptcy court as the furnisher that's a forgery and misleading when the courts do not report this type of account. 
XXXX XXXXXXXX Bankruptcy ( XXXX ) Case Number : XXXX Please remove this inaccurate information from my credit report.
Complaint sub-issue: Frequent or repeated calls

Discover Card called me to say that they had a clerical error when my resolution of debt was paid off that resulted in me owing $XXXX extra. Discover calls daily 4-5 times a day and leaves a voicemail at XXXX:XXXX   every day. I've told the supervisor who I originally spoke with that I'm available around XXXX:XXXX for lunch to talk. The numbers they call me from are XXXX-XXXX-XXXX and XXXX-XXXX-XXXX. They called me today (XX/XX/19) at XXXX:XXXX XXXX and left a voicemail, and again at XXXX:XXXX. Yesterday (XX/XX/19) I received a call at XXXX:XXXX that left a voicemail and then called again at XXXX:XXXX, XXXX:XXXX, XXXX:XXXX, and XXXX:XXXX. Additionally, I've received NO physical notification to indicate what the debt actually consists of.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

on XX/XX/XXXX I woke up to see 4 inquiries on my report XXXX, XXXX, XXXX and XXXX XXXX XXXX these are not mines, i contacted creditors they said cintact the credit bureaus nothing they can do. Please tis is destroying my credit
Complaint sub-issue: Other problem

To Whom It May Concern - I opened a US Bank credit card that was advertised as 0 % APR and with online features. Online statements were advertised as being the same as paper statements. My online statements reported no payment required for the life of the account. Also, no interest or late fees were charged on my online statements. My paper statements that I retrieved from the mail on X/X/2017 show payments were required, late fees were charged and the promotional APR was rescinded. All of this is documented in writing from official US Bank documents. US Bank refuses to discuss this matter and refers me to collections instead. US Bank is completely in error and causing me hardship because of their errors. Attached are the online and paper statements for XXXX 2017.
Complaint sub-issue: Deposits and withdrawals

XXXX XXXX : I have been on the phone for an hour. 
The agent put me on hold for 45 minutes and said they were calling XXXX than put me through to Molllie XXXX out of the XXXX office and transferred the call without telling me. XXXX who kept getting the wrong debit card information to deter me from getting why an envelope was delivered to my condo without an ID being shown or signature! 
I kept providing my my debit card and would not provide me information We are 18 days and Citi Bank officials was very well aware of XXXX XXXX branch manager of XXXX XXXX XXXX XXXX XXXX FL XXXX deliberate misconduct, knowingly never mailed my remaining money of over {$2000.00} that was to go toward my first mortgage payment with Citi no less who absolutely knew my home address. 
I called immediately. I was ignored, hung up on, created more conflict and confusion. 
I received a wrong tracking which I tried to get so many times. I was provided the wrong one time and time again. I am currently on the phone with Citi bank. Tracking number XXXX showing which will be attached at front desk!!!! I do not have a front desk at my condo building. Not a doorman. Just lock boxes to put mail. This is unbelievable! 

The banks behavior and the many officials Ive spoken too all said. How is Citi allowed to commit fraud and abuse there power. 

Other officials are involved and also working on my behalf to file reports with FTC and FBI. 
How can a bank not allowed me to take my own money that was free and clear out of the atm! Stating sorry over your limit! False. XXXX XXXX kept putting fraud codes on my account and reported this immediately to XXXX XXXX who did not take one action. XXXX XXXX was the loan officer at Citi and can verify I was unable to take my {$10000.00} XXXX money because XXXX XXXX put fraud codes and maliciously and knowingly knew his actions to intentional harm me.. 

I hold a credit card with Citi. I was told since Citi is not assisting in my mortgage and credit card due to my loss of income to file a XXXX and XXXX as a result of there intentional demise of my good credit. This bank is dangerous and abuse there power at alarming levels. This is crazy!!!!! 
Deliberate fraud.
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/XXXX today I contacted US Bank regarding account ending in XXXX, that is still showing up on my credit report. I spoke to someone in card services, who then transferred me to the recovery department who then transferred me to collections, then to fraud, then back to card services, then back to recovery, then fraud, then collections after speaking to 11 different people, a crossed 4 different departments, nobody was able to help me resolve this. I had previously asked for an itemized statement because I believe someone used my account. After speaking to someone in collections, they let me know that the balance was {$120.00} dating back to XXXX. I asked what I needed to do to get this off my credit report. They said they could not take any form of payment due to it being flagged by fraud and theyd transfer me back to the fraud department. I spoke to the fraud department and they said they couldnt take payments and would transfer me back to the recovery department I was then disconnected. 
Then on XX/XX/XXXX I received a phone call from US Bank requesting payment. I told them I would settle for {$120.00} if they agreed to a pay and delete and they agreed so I sent a letter with my check for them. 
On XX/XX/XXXX they cashed my check but it still remains on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

This letter is regarding a credit bureau named in the company section of this complaint. I am reporting this credit bureau because they are listing a public record that they got from a third-party data broker such as companies like XXXX XXXX XXXX XXXX has recently moved that public record per my request per the FCRA guidelines. So I am also asking that you demand that this credit reporting agency quickly do the same otherwise that will be grounds for a lawsuit for them not following The law. I have requested such information such as this public record for the bankruptcy to be removed and they have refused to do so so Im petitioning you to demand that they do it now that the data broker XXXX has removed it from their database. If after you demand that they do it and they dont do it that will be grounds for a lawsuit for not following the law.
Complaint sub-issue: Was not notified of investigation status or results

Requested method of verification an item reporting on XXXX as " XXXX XXXX XXXX XXXX ''. They completely ignored my request and did not re-investigate or respond at all. 

I also requested methods of verification from Equifax on an item listed as " XXXX XXXX '' that they claim to have verified. 

Neither of these accounts are mine and I've made them aware of this on several occasions so I can not see how they can tell me they verified it when it doesn't belong to me. Their system is off and something needs to be done!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There is a large number of inquiries on my report that do not belong to me and that I did not give consent for. I have contacted each company and they would not verify why my credit was ran. Most of these places are car dealerships, finance companies, and credit unions in which I did not authorize. I am sending a letter to the CEO 's of XXXX and Equifax next as I have not been able to get any results from representees. I have filed a complaint of identity theft with the FTC in which they gave me free credit monitoring since none of these accounts were opened. I attempted to file a police report, however, without the individual actually opening an account, they only took a written statement. Statement : XXXX which will be held on file if I notice anything come up on my credit report that is opened. 

XXXX : The follow inquiries are listed that I did not authorize : 1. XXXX 2. XXXX XXXX 3. XXXX 4. XXXX CA 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX 9. XXXX XXXX 10. XXXX 11. XXXX 12. XXXX XXXX 13. XXXX 14. XXXX ( again ) 15. XXXX cred 16. XXXX XXXX 17. XXXX XXXX 18. XXXX 19. XXXX XXXX 20. XXXX XXXX 21. XXXX XXXX 22. XXXX XXXX  23. XXXX 24 . XXXX 25 XXXX XXXX 26. XXXX XXXX XXXX 27. XXXX XXXX 28. XXXX XXXX XXXX 29. XXXX XXXX 30. XXXX XXXX 31. XXXX XXXX 32. XXXX XXXX  33. XXXX XXXX XXXX. XXXX XXXX Equifax : I did not authorize any of these inquires for any reason. 
1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX & XXXX XXXX 8. XXXX 9. XXXX 10. XXXX  XXXX ( again ) 11. XXXX XXXX XXXX 12. XXXX XXXX 13. XXXX & XXXX XXXX 14. XXXX XXXX ( XXXX ) 15. XXXX XXXX XXXX 16. XXXX XXXX 17. XXXX ( again ) 18. XXXX XXXX XXXX. XXXX XXXX 20. XXXX XXXX 21.XXXX XXXX 22. XXXX XXXX 23. XXXX XXXX 24. XXXX ( XX/XX/20 )
Complaint sub-issue: Their investigation did not fix an error on your report

Im a victim of identity theft someone got my XXXX XXXX card and my XXXX card and used it, which I contact the company right away and they closed the card and they still trying to make me pay for something i didnt use
Complaint sub-issue: Debt was result of identity theft

I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. 
IQ DATA INT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX GA ), balance is {$3700.00}, and account # XXXX
Complaint sub-issue: Problem getting your free annual credit report

It is unacceptable that since XXXX I have been unable to log into my online account with Equifax. I am trying to access my free annual report. Also, I need to dispute a credit account that was impacted by COVID-19 which has affected my credit score. I have sent their support department numerous emails to no avail. I have attached proof of these emails to this complaint. Not only was I affected by their data breach last year, I can not access my credit file. Thank you for your assistance.
Complaint sub-issue: Problem using a debit or ATM card

In XXXX of this year I noticed fraudulent charges were made to my checking account using my debit card number. There was a {$190.00} charge made on XX/XX/XXXX and an identical {$190.00} charge made on XX/XX/XXXX. Both charges were online purchases made at XXXX. This represented at total of {$390.00} in fraudulent charges. When I noticed the charges I immediately contacted the credit card company and informed them of the situation. Since I have a XXXX account I was also was able to cancel one of the transactions since the merchandise had not been delivered to the crook. XXXX refunded my checking account for this transaction. This left one of the {$190.00} charges that was taken out of my account. The debit card is supposed to have a no liability for unauthorized charges. 

I have gone back and forth with BB & T bank about crediting my account for the {$190.00} transaction that was not reversed by XXXX. The bank will credit my account only to later remove the funds. The explanation given is that the {$190.00} was returned by XXXX. They seem to be completely oblivious to the other {$190.00} transaction. 

On XX/XX/2018 I received a letter from BB & T stating they were reversing a {$190.00} credit adjustment previously made to my account. On XX/XX/2018 I called the number listed on the letter and again explained the situation to their representative. That person stated she would get back with me that morning. She never did. I accessed my account on XX/XX/2018 and noted that the bank had removed {$190.00} from my account. I again contacted one of their representatives and explained the situation. 

I can not understand how a banking institution can be so woefully deficient in basic arithmetic. If {$390.00} in fraudulent claims were debited from my account and {$190.00} were returned, then it stands to reason {$190.00} are owed me by the bank.
Complaint sub-issue: Didn't receive advertised or promotional terms

On XX/XX/XXXX I responded to an advertised balance transfer offer on the Citi 's website, which I use to monitor and manage my Double Cash Credit Card account. The offer was for 0 % percent interest rate on balance transfers until XX/XX/XXXX ( the website advertised that the offer would be expire on XX/XX/XXXX ). I followed up with Citi this morning to confirm that the balance transfers were approved under their advertised offer. In two separate conversations ( one via chat and the other over the phone ), I was informed that the balance transfers were done at the typical 24 % rate and that no 0 % offer on balance transfers were ever offered to me. In my chat conversation, I asked that the my balance transfer request be cancelled and was informed that it was too late as the checks had been cut. After confirming this issue over the phone with Citi, and confirming the balance transfers were not executed under the 0 % interest offer, I closed the account but was told I could not pay off the balance as the balance transfers were pending.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX *** ** XXXX Equifax P.O. Box XXXX XXXX, GA XXXX XX/XX/XXXX XXXX : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed twenty number of inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : XXXX. XXXX XXXXXXXX - XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
XXXX. XXXX XXXX - XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
XXXX. XXXX - XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX. Date of inquiry, XXXX XXXX. 
XXXX. XXXX XXXX. Date of inquiry, XXXX XXXX. 
XXXX. XXXX  - XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX. 
XXXX. XXXXXXXX XXXX XXXX. XXXX XXXX XXXX Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXXXXXX - XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXX - XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry, XX/XX/XXXX XXXX. The XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXX XXXX. Date of inquiry, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Date of inquiry, XX/XX/XXXX I Kindly ask that you please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : XXXX The name and job title of the individual who pulled my credit XXXX The date they claim to have received my permission to pull my credit XXXX The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter. 

Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

For months, I have been disputing items that are 100 % incorrect and have not been proven using the law thus far. 

The major 3 credit bureaus. XXXX, Equifax and XXXX.
Complaint sub-issue: Debt was result of identity theft

Someone opened a XXXX account under my name from an address I was no longer living at. I had reached out to XXXX to dispute the debt and was told a technician did some work outside the home and all calls were rerouted to a number I never had. XXXX rep had informed me that they will remove the charges then. The first debt collector called and threatened to have me arrested. I submitted a complaint on them with FTC.gov. Now I have another debt collector for the same issue requesting information that is impossible to get because this issue occurred more than 10 years ago. They just keep writing and updating the debt. I refuse to pay for something I did not do and would like for EOS CCA to stop contacting me for a fraudulent account that happened over 10 years ago. 

Now they are requesting a police report. The police told me to file a complaint and report identity theft on the FTC.gov website in which I did. I am not sure if the landlord who owned the home is still there. I had moved out of that residence since my vehicle accident in 2007 but still had mail go to the address until I found a stable home during that time. When calling the police station I went to, I was told there is nothing they can do. So it is impossible for me to get the information they are requesting. 

I feel this harassment for payment that is not mine and want it to stop. 
The collection company harassing me is once again EOS CCA, XXXX XXXX, XXXX, MA XXXX.