Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

XX/XX/2019 I sent a certified letter to IC Systems for reporting a debt to the credit reporting agencies without validating debt for {$11000.00}. I received a returned receipt from IC systems stamped stating they received the certified letter requesting validation of debt on XX/XX/2019. On XX/XX/2019 and XX/XX/2019, I received an alert that IC systems has updated my credit report stating the debt was verified. How was it verified and validated with the credit reporting agencies and not the alleged consumer ( myself ). 

After receiving the dispute, IC Systems must send me proof by XX/XX/2019 ( which is 30 days ) that this company owns or has been assigned the debt by the Original Creditor.

Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

If the debt collector does not send sufficient proof of the debt, it is not allowed to continue collecting the debt from me or report fraudulently ( that is a violation under FCDPA ). That includes listing the debt on your credit report. I have submitted a dispute with the CRA that hasn't been adequately validated with the credit bureaus. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully requested that the company provides me with competent evidence that I have any legal obligation to pay them. Due to this fact, if any negative mark is continues to report on any of my credit reports by your company or the company the represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
Complaint sub-issue: Banking errors

Citibank has been running a promotion for the past year, where if you keep certain amounts in your Priority savings and checking accounts, they will pay you {$600.00} within 90 days. One condition was that the money must be new to Citibank. 

I attempted to take advantage of this offer twice - both times unsuccessfully. Initially, in XX/XX/XXXX I applied online and was approved for the accounts instantly. However, few days later I received a call saying they are missing documentation, namely proof of id. I provided my US passport. That was rejected. Eventually, they told me US passport is not acceptable for account opened online, and I would have to go to a branch to complete the process. To which I said I did not wish to proceed, since in my mind, US passport qualifies as an ID, and told them to close the accounts. Those accounts were never funded, and in my mind, since they refused to honor my documents, were never opened. 
Then in XX/XX/XXXX, I attempted to apply again - again, online, and again, using my US passport. That time around - they had no issue whatsoever! and accounts were opened and funded with {$50000.00} as the offer required. Starting in XX/XX/XXXX, I kept inquiring about my bonus {$600.00}, each time getting told it would be credited in XXXX. 
Eventually, when I contacted them in XXXX they told me I would not be eligible for the bonus, since I had an account with them previously, and referenced the accounts that they refused to acknowledge due to 'lack of documentation ', and which were never funded. I explained the situation to a customer service rep, and he escalated the case to a research department. The response from them was brief - 'you had a previous checking account opened on XX/XX/XXXX '. 

Epic failure both times - first refusing to accept US passport as an id ( yet accepting it with no issue the second time around ), and then refusing to honor their offer due to the fact they did not allow me to use it back in XX/XX/XXXX. 

It was pretty dismal how they handled my initial account 'opening ' back in XXXX, but to build future failures upon that - is just beyond me. 

By the way, I am a former employee, and should they think US passport is not good enough, they have all the information on me there is. 

Regards, XXXX XXXX.
Complaint sub-issue: Trouble with how payments are handled

I applied for a different income-driven repayment plan through FedLoans. I was already on an IDR but was eligible for a REPAYE loan to lower my monthly payment, as I plan to apply for the public svc loan forgiveness program. They told me I would be on administrative forbearance until the new payment arrangement started. They warned me that my first payment under XXXX would be bigger. I paid {$5.00} in XXXX for the forebearance payment and not two days later, they said I had XXXX student loan payment due on XXXX. They only gave me 2 day warning that I had a {$210.00} payment due! They did n't respond to an email asking for clarification. I was late paying about a week and surprised the payment was due. I wish they had to inform me of the new payment and give me at least 30 days to make that first payment. Otherwise, all is well. I just want them to communicate more clearly.
Complaint sub-issue: Not given enough info to verify debt

called me at XXXX XXXX on XXXX/XXXX/XX/XX/2015 saying that I owe {$1600.00} and I talked to the management company that filed it against me and they told me adjusted it to {$940.00}. XXXX calls me saying I have to make a payment before XXXX on XXXX/XXXX/XX/XX/2015 after the fact that I asked them to mail me something stating that balance and they refused to.
Complaint sub-issue: Billing dispute for services

A {$28.00} dollar part was supposedly shipped to my home. It was not received causing a 60 days late
Complaint sub-issue: Their investigation did not fix an error on your report

I was affected by XXXX-XXXX, XXXX XXXX XXXX  closed my account and removed online access giving me no ability to pay the account while XXXX. Upon my recovery, I was able to call ( my only remaining access to the account ) and resolved the delinquency. I attempted to resolve the matter with XXXX XXXX XXXX, who states they are reported the delinquency correctly and will take no further action. While I would have liked to have known when the onset of COVID was to happen and contact the bank in advance as the CARES ACT suggest, this was not realistically possible. After the fact, although the matter is resolved, it would seem neither XXXX  XXXX XXXX  or the 3 Credit Reporting Agencies will assist in resolving this matter, as a result, my FICO  score has plummeted 50 points. The intent of the CARES ACT was to address situations like mine, but was not specific enough to compel either XXXX  XXXX XXXX  or the 3 Reporting Bureaus to assist in resolving this issue so negatively impacting my credit. I took great care to attempt to resolve the matter by paying the delinquent balance caused by the bank who removed online access and by contacting the bank and the bureaus to dispute reporting only to hear they say it was accurate. While this may be true, the issue now resolved, was directly related to COVID and has had a dramatic negative impact on my credit score. The issue was caused by the bank removing online access to an account they closed because a check did not clear while I was XXXX. Upon closure of the account they removed all access to the account except for mail or phone in the middle of the pandemic, a lack of empathy I will never understand. The credit reporting bureaus will do nothing about the issue except to report what XXXX XXXX reports. Leaving me unable to resolve the matter and experiencing a 50 point drop in my credit scores.
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 {$4500.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this  information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account.
Complaint sub-issue: Debt is not yours

XXXX months ago my lease was up, paid every month perfect, when I left I made sure everything was clean, cleaner then when I moved in. This complex is trying to charge me XXXX for paint. When a tenant moves out it is not required to paint the unit. This is ridiculous. I need help. I 'm being taken advantage of and it is not fair.
Complaint sub-issue: Debt is not yours

I check my credit report and i was surprised to find that I have a collection from XXXX that XXXX  put me with AFNI collections I have no knowledge of this account. I contacted the collection agency and explained to them I have no knowledge of this account and asked of any documentation or authorization by me supporting this account with XXXX they put me on hold and told me to contact XXXX. I did.They said they will check and get back to me which they did not. I did several attempts to resolve this dispute but they keep giving me the turnaround without giving me any kind of proof. Therefore I ask the CFPB to open an investigation and order the collection agency to delete and remove the collection from my credit report with all 3 bureaus XXXX, XXXX, and XXXX. Or provide me with the signed documentation authorizing XXXX  or any other kind of proof.
Complaint sub-issue: Frequent or repeated calls

They call every hour 7 days a week
Complaint sub-issue: Their investigation did not fix an error on your report

This account was closed as a charge off in XXXX of XXXX, however the company continues to keep the account open and report late payments each month on my credit report. 

This gives the appearance to creditors as if this is a new open account with new late delinquencies which is completely untrue. 

Elan financial should not be allowed to classify this as a charge off, yet keep the account open on my credit report and report new late payments each month.
Complaint sub-issue: Information belongs to someone else

reviewing my credit report I noticed that there were many errors in the same one that is affecting me. Several names, open accounts that I do not know, requests for credit cards without my consent, hard consultations and soft consultations. For these reasons I was denied the opening of a business account.
Complaint sub-issue: Personal information incorrect

Remedy resolve, correction of damages to my credit. These damages of fraudulent and incorrect filing on my credit report have been devastating to my life. I gave not give permission to any of these fraudulent claims reported, the address is incorrect, XXXX XXXX reports XXXX late payments while Equifax reports XXXX all from XXXX  XXXX, the inaccurate fraudulent auto lone defaults need to be removed from my credit report. 
I do not consent 15 U.S. Code 1681s3 15 U.S. Code 1666b 15 U.S. Code 1679c 15 U.S. Code 1681i
Complaint sub-issue: Information belongs to someone else

I've sent several times to XXXX fraud department a police report and FTC report with court records showing the loans through PNC and PNC and XXXX  XXXX XXXX are not mine. The police went to the dealerships and viewed the tapes from the purchase of those cars and saw it was XXXX XXXX XXXX using my information, A Judge in XXXX NC Named Judge XXXX issued several warrants for XXXX XXXX XXXX arrest for using my identity. Those three auto loans are not mine. Please remove
Complaint sub-issue: Debt was paid

I had spectrum/charter internet for a short period of time when we moved to our new home. I work from home and require a good internet connection. I continuously lost connection and was told by IT after several attempts to fix the issue, that I needed to exchange the equipment at their local store. On XX/XX/2020 I returned both pieces of equipment to their XXXX  location ( 2 part router ). They gave me a different router which was only 1 piece vs 2 this time. It wasn't long before that router wasn't work, so they sent a tech out and exchanged that router for 1 router identical to the 2nd router ( 1 part router ). After losing connection over and over and being threatened with my employment, I finally gave up and changed companies. I immediately returned the router. All routers were now in their possession and I paid my final bill timely. I later received a letter saying a router was not returned and immediately contacted their office. I wasted nearly 2 hours on the phone and was told they would look into locating the item. I figured they located it and all was well until a few months later, I received another letter saying I owe for a router. Once again, I contacted their office and it was a repeat of the prior conversation. I thought they finally rectified the situation, however, just learned that they instead reported it against my credit a few months back. I should not be penalized for their mishandling as I did my part to return all items timely. I only had their service for a few short months and it was a nightmare. Every time I called for tech support due to the router not working, I just kept getting transferred around. There was only 1 tech that attempted to help me, which was just before I exchanged the router instore. I immediately switched to XXXX and have no use for their router. It doesn't make sense that I would only return half of the 2 part router, and that they would agree to give me a new router, if I didn't return both pieces that day instore. To clarify, they're claiming the missing item is 1 of the 2 part routers ( initial router set ), which was returned instore on XX/XX/2020 in exchange for a 1 piece router. They would not exchange a new router had I not returned all equipment. I have wasted enough time going back and forth over a XXXX item which is absolutely ridiculous. Their employees should be more accountable and/or their systems should verify items returned. I thought the receipt he gave me was sufficient and sent it to the company multiple times.
Complaint sub-issue: Can't use card to make purchases

When I switched phone, one of my Citi card couldn't be added to mobile wallet in XXXX. I was on Mobile wallet before without problem. When I called customer care, the rep told me tried again later. Three months later, the problem persists. The general customer care supervisor tried multiple times but could not fixed it so they transferred me to fraud department last Thursday, XX/XX/2022. The fraud department rep put me on hold for over 10 minutes and then came back said he needed a supervisor to call me back. The Fraud dept supervisor never called me back so I called again on XX/XX/XXXX. The fraud dept rep, XXXX, was rude and could not care less. She claimed she needed to call me back to verify identity but she never called me back. My Citi card issue still has not been fixed. 

The IT system at Citi is a mess but the bigger problem is the professionalism and competency of the customer care.
Complaint sub-issue: Didn't receive services that were advertised

I am a small business owner. You know everything about Covid-19 disaster. This is also economic disaster for us, too. I am in XXXX XXXX of Pennsylvania. My business is closed since XXXX of XXXX. I applied for SBA loans. I want to complain about 3 major credit agencies. I wont be able to get any loan because of these credit score agencies. They keep reducing my score without any reason. Yes I have high credit card debt but I paid everything regularly so far even though it is minimum payment it is paid. Now these agencies keep reducing my score without any new reason. I wont be able to get EIDL loan which is given to small businesses because of these credit score agencies. Sba lenders dont give loans to small businesses if you have a score under XXXX. These credit agencies will cause us to go to bankruptcy. We will not go to bankruptcy because of Covid-19 but because of 3 credit score agencies, XXXX, equifax and XXXX. I am complaining them. Could you please investigate what they are doing to us. My business will disappear because of these 3 credit score agencies.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I received letter Ref XXXX regarding TRS Ref XXXX on XX/XX/2020 but dated XX/XX/2020, that they will not remove debt XX/XX/2020, after my ch XXXX XXXX was converted on XX/XX/2020.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX US DEPARTMENT OF EDU # 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 a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX  XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

On XXXX, I, XXXX XXXX, sent a debt validation letter to Professional Credit po box XXXX XXXX, Or XXXX On XXXX XXXX, they sent a response. It detailed medical procedures that I had. Or shall I say, states that I had. I have not ever given my medical provider authority to share my medical history with anyone. 

I believe this collection agency along with medical provider have violated my personal rights. My deep concern is how many times have they given my medical information to debt buyers, collection agencies. Now I'm worried about that. My medical provider is selling my debts by the week. My medical provider is sending me all kinds of bills. Maybe I should file XXXX against them. However, see the attached documentation.
Complaint sub-issue: Account status

Dispute was filed with Equifax, but no final response have been received.  The investigative results by XXXX  concluded that  I am no longer liable for the following reported XXXX collections XXXX.  Accordingly, XXXX the aforementioned credit agencies have removed these collection items from my credit report.    However, these same collection items remain on my credit report from  Equifax  and need to be removed asap.
Complaint sub-issue: Account status

Hello, I have an issue with the credit bureaus reporting incorrect information on my credit files which are damaging my credit scores. I have the proof of inaccurate information being placed on my credit files and I 've disputed with Equifax and they 've told lies that they ca n't remove it after I 've told them the information is totally incorrect reporting from a creditor US DEPARTMENT OF EDUCATION I have attached the following proof from the credit bureau who has the correct information reporting
Complaint sub-issue: Public record information inaccurate

on XX/XX/2020 I sent letters to Equifax, XXXX and XXXX stating the information that they are reporting is inaccurate and it needs to be removed according to the FRCA section 611 ( a ) ( 1 ) ( A ) and they have yet to remove the public information. on XX/XX/2020, I contacted the United States Bankruptcy Court and they have informed me that they did not violate the FEDERAL PRIVACY ACT of 1974-5 U.S. CODE section 552a. they did not disclose my information to an credit agencies. Also these bureaus are in violation of FRCA section 609 by not providing me with verifiable proof of any original signed contracts bearing my signature as required by federal law. which was sent to them on XX/XX/2020. they have also exceeded the time allotted by law to remove these items off my credit file
Complaint sub-issue: Their investigation did not fix an error on your report

You have been stubborn with the requests to remove the negativities from the accounts that are reporting erroneous information on my Credit File and you have been neglecting your responsibilities with the Fair Credit Reporting Act. I am submitting this CFPB complaint once more to request to you to remove the disputed erroneous accounts corrected as soon as possible. Also, you have been failing to send me copies of proof of verification from your supposed investigation. Did you really conducted any investigation at all? Now, I am submitting this last and final CFPB complaint to request to you to correct the disputed accounts from my Credit File as soon as possible. Here is the list of accounts that you should have corrected at the begining 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
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted all 3 credit bureaus ( XXXX, XXXX, and Equifax ) because an original creditor, XXXX XXXX has been reporting in accuracies on my credit report. This creditor has used tactics to re age an account that negatively reports every month for the past 5 months. The account has been charged off, but they report it on my account as if it is a new account and when it is disputed, XXXX XXXX immediately updates the dates as this account is new or closed but still reports. I have written to the credit bureaus stating that this was in violation and without proper investigation especially with compliance these accounts had to be removed because they were clearly violating the law. 

The credit bureaus refuse to remove these account from creditor, XXXX XXXX as I have clearly proven to them that they are in violation.