Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

Hunter Warfield CORPORATION SERVICE COMPANY XXXX XXXX XXXX XXXX XXXX  XXXX District of Columbia, XXXX To : The Office of Registered Agent for Hunter Warfield From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX Acquistions are authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA.

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

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

I finally paid off my last debt months back n none of the three credit bureaus will accept my paid in full receipt! I have been fighting their games for years n I am finally in a position to change my life, n the credit bureaus r holding me back by not allowing me the chance to become debt free! Made r tried to make complaints in the past, which r really useless when you receive the typical canned response to check a box n make me go away!
Complaint sub-issue: Information is incorrect

On  XXXX   XXXX ,   XXXX  , the service calle d Checkr was a sked to run a background check by my potential employer-  XXXX   XXXX   XXXX   XXXX   (    XXXX   ). When I received a copy, there was a charge that was completely incorrect included in the report, and it is keeping me from getting my job. I have never been guilty of a felony in all my life! This charge was thrown out, because I was coerced into taking a plea for things I did not do. I had this same problem with a company called  XXXX , also with  XXXX , but they did correct the issue. Unfortunately,  XXXX  is no longer using  XXXX , so they wanted to run anoher check with their new company, Checkr, and I 'm having he same problem. I applied for this job back in  XXXX , so I am getting fed up.
Complaint sub-issue: Investigation took more than 30 days

I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. I sent a letter to XXXX disputing 6 accounts as fraud on XX/XX/XXXX via fax with return receipt. After receiving no response after 30 days, I again sent a letter to experian on ( XX/XX/XXXX ) via the online CFPB consumer complaint portal. I received notice via that same CFPB portal that XXXX received the dispute letter on ( XX/XX/XXXX ). As of XX/XX/XXXX XXXX responded back to the CFPB complaint stating what has been removed and what has been verified without proof of method of verification used and well after 30 days for the 2nd time. Federal law that protects my rights as a consumer states that credit reporting agencies have a total of 30 days from receipt of a debt validation request to provide proof or remove accounts. XXXX continues to violate my federally protected rights by displaying their disregard for the law by responding after the 30-day threshold. It is now ( XX/XX/XXXX ) and I still have not received a response from experian in writing other than a later than 30 day notice through the CFPB online portal. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Complaint sub-issue: Other problem

Discover Financial Services began sending me requests to complete IRS form XXXX, XXXX Request for Transcript of Tax Return, starting on XX/XX/2021 and they were completed and returned TWICE on XXXX/XXXX/3021 and XX/XX/2021. Prior to receiving these documents, Discover placed a hold on online access and card spending on my account until these forms were signed and returned. I waited for weeks, and repeatedly called Discover to ask when I would receive access to my accounts again. I even had to call Discover to make my credit card payments. I was always redirected to their " Consumer Protection/Security Group '' and the answer was " you've signed these documents, so you should regain access to your accounts once we finish processing them. '' When I asked if this was a financial review, every customer service rep and Security rep would say " not really, we randomly select people to go through this verification process. You should never have to do it again! '' ( that particular call was on Thursday XX/XX/2021 ). I never received any status updates or requests for additional information from Discover during their entire verification process. On Monday XX/XX/XXXX, Discover Financial Services sent me the attached email saying that a business decision was made to close my account. The email stated that this was an irreversible decision, and that this process and the inability to appeal was stated in my cardmember agreement. The email stated that Discover Financial Services reported to the credit bureaus that they would report my account as " closed by Grantor. '' I no longer have access to this agreement because my account was closed and deactivated. When I questioned Discover about their verification and decision processes, they stated that they had no information regarding the basis of my verification process, and why it ultimately lead to the decision to close my account. I was told my multiple Customer Security Group reps and customer service reps that they have no process in place to appeal this process, nor the ability to disclose what information they used to arrive at their decision, nor the ability to disclose the basis of their business decision.
Complaint sub-issue: Problem with rewards from credit card

As of last year, around XXXX, then the last two months and yesterday, I've been having serious problems with CitiBank. I have 5 CitiBank cards. However ; after today I contemplating on cancelling them. Since ; for a week I tried to access my rewards via email to no avail. My XXXX, email and computer would freeze up when I tried to print the reward check. I tried forwarding it ; printing it ; saving it ; and viewing it. Citibank 's extreme security paranoia is beyond my comprehension. The Business sense and customer service skills are replaced with their security paranoia. It also leads them to arrogance and abuse. My final call to Citi was yesterday from XXXX XXXX. The Costco manager wanted to talk to them, becasue they cancelled my rewards when I called them again Wednesday.. They sent me a replacement email, but NO REWARDS. When I showed Costco the first forwarded rewards ; they had been cancelled! And when I Called them at Costco because the manager wanted to speak to them they were not only uncooperative but threatening and abusive. Since ; by then they riled me up. Thus ; I was very ill this morning because it hurts me to get upset due to my broken sympathetic nervous system and cerebral hypoxia, leading to extreme gastritis. I wish I could cancel all my CitiBank cards, but I can't cancel the Costco card. After driving 120 to XXXX and XXXX XXXX and back to Costco, the rewards had been inactivated, unbeknownst to me! I've earned my rewards ; but could not claim them! Instead ; he displayed threats and abuse conduct!
Complaint sub-issue: Investigation took more than 30 days

I have a problem with my " CLUE '' report from LexisNexis. LexisNexis was reporting wrong information, I disputed it with LexisNexis and XXXX, but could not talk to XXXX as I was not a policy holder and nobody would return my calls. My disputes started on XX/XX/2020 when I sent my dispute to both LexisNexis & XXXX. After disputing information that was missing on claims, XXXX changed the details of the claims to wrong information. For instance : Many claims had no birthday, drivers license, or other identifying information. After my XXXX dispute, XXXX filled in the information with wrong info, info that wasn't mine and continues to 'verify ' it, even though it is not accurate. 

I sent another letter to LexisNexis on XX/XX/2020 telling them still, that my file must have been confused with someone else 's, and the information is wrong. They have never replied. I also asked for a copy of my consumer report on the same day, which was never sent.
Complaint sub-issue: Their investigation did not fix an error on your report

I have loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The XXXX and Equifax Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Complaint sub-issue: Was not notified of investigation status or results

Equifax XXXX and XXXX credit report XXXX. I had. Cc and I'd. Theft. Keep calling and they keep saying that Has been over 90 days
Complaint sub-issue: Trouble with how payments are handled

Everytime I recertify FedLoan tries to cheat me out of PSLF time and increase my payments while they recalculate, their letters are contradictory, please see attached document letter to them with excerpts. I get my documents in super early, but their game is delay and entrapment.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX is reporting incorrectly to Equifax and XXXX that I was late on making payments to partial account numbers : XXXX and XXXX ( please see page 13 of the attached credit report ). I was XXXX at this time ( copies of orders attached ).  Pursuant to the SCRA ( Servicemembers Civil Relief Act ) these benefits may be used to delay payments and/or defer payments. Please see Benefits offered by the SCRA listed below. 

Benefits offered by the SCRA include : Lets you terminate your telecom contracts ( telephone, cable, internet, video & audio streaming, etc. ) if you relocate for at least 90 days to a location that doesn't have coverage under your current provider Lets you end a vehicle lease you signed before joining if you are mobilized, XXXX XXXX, or deploy XXXX for at least 180 days Lets you end a housing lease without penalty if you deploy for 90 days or more Lets a surviving spouse terminate a lease if their partner dies on active duty Lets a military spouse claim either their home of record, the service member 's state of legal residence, or the state they are living in for tax purposes Limits interest on all loans taken out before joining the military to 6 percent. This includes auto loans, mortgages, student loans, credit cards, etc. 
Also, it says that if you use any of your SCRA rights and delay payments it won't reflect on your credit report This inaccurate reporting is harming my credit score.
Complaint sub-issue: Investigation took more than 30 days

five point XXXX  XXXX XXXX are the amounts XXXX XXXX XXXX showing collection unknown ftc violations The National Credit Union Administration ( NCUA ), along with four other federal regulatory agencies, recently released guidance about the repeal of certain credit practices rules applicable to federal credit unions, banks, and savings associations.1 The enclosed guidance clarifies that, despite the repeal, the agencies still have supervisory and enforcement authority regarding unfair or deceptive acts or practices, which may include the practices prohibited by the former credit practices rules.2 With respect to federal credit unions, this repeal will affect NCUAs regulations in Part 706 of Title 12 of the Code of Federal Regulations that generally prohibit : the use of certain provisions3 in consumer credit contracts, the misrepresentation of the nature or extent of cosigner liability, and the pyramiding of late fees.

They have not even looked at it or tried to fix it all under NCUA law
Complaint sub-issue: Account status incorrect

My car loan was paid off in XXXX of 2021, Ally is still reporting my account is past due because there are some late fees owed. My loan with them is paid off, I have no monthly payment amount that is due with them anymore. The late fees are owed so I can get my title. The money I borrowed was pad back in full. Late fees can not be considered past due because they are not part of my monthly payment. There is no due date for late fees and no specific amount to be paid monthly. Late fees can not be considered 30 days late if there is no due date for them. 
I am requesting a full statement on all late fees incurred for each month Ally is saying late fees are owed. 
I am requesting any late payments reported due to late fees owed to be removed from my credit report promptly. 
You can not report late fees 30 days late once loan is paid off, these are fees to be paid to get the title for the vehicle used as collateral for loan. 
I have a letter from Ally showing XXXX balance for financed amount owed and the letter says the late fee amount is to be paid in one payment. I did not have the amount owed for late fees at time due to covid 19 and job and income issues. The letter from Ally does not list a monthly payment amount or due date for the late fees. The letter states " it is necessary to clear these charges to avoid further delay to process title ''. Again no due date or monthly payment amount is listed so how can a payment be considered 30 days late with no due date listed. 
I called Ally on XXXX and XXXX and spent hours on the phone to get issued resolved and kept getting transferred from one person to the next and no one took the time to help me.
Complaint sub-issue: Debt is not yours

This account is reporting to my credit report that s not mine.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Creditor : XXXX XXXX Credit Bureau : Equifax XX/XX/XXXX Request for Removal of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from Equifax on [ XX/XX/XXXX ] and I noticed an unauthorized inquiry had been made. ( XXXX XXXX XX/XX/XXXX ) I contacted XXXX XXXX on several occasions, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile due to identify theft in XXXX, and have yet to receive and investigation report or a removal of this inquiry. 

I request that this inquiry is removed immediately. I have given more than the legal time for XXXX XXXX or Equifax who approved this inquiry to provide me with results from an investigation providing signature or valid proof of myself being the person who approved this inquiry. Please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 7 business days of recieving yet another complaint. If there is not a response in a reasonable time as I have given more then the legal time I will have no choice but to file suit which I have had to do in the past. 

Thank you for your assistance in this matter, XXXX XXXX
Complaint sub-issue: Debt resulted from identity theft

I have contacted USCB America 3 times by certified mail as well as disputed the fraudulent account with all XXXX credit bureaus and they allege the account belong to me. I have a police report on file in this regard and I have supplied a copy of the police report to them. The last time I contacted them by mail was on XXXX XXXX, 2015-it has been two months and they still ignore me but yet and still they continue to report the account. Account Number XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

A company called factual data ran my credit on XX/XX/2020 without my permission. 
When I called the company they said another company called XXXX XXXX XXXX asked them to When I called them they said they had no record of me at all but its on my credit report with transactions as a mortgage and I'm 120 days late at my current address. My current address is a rental property I dont have a mortgage.
Complaint sub-issue: Was not notified of investigation status or results

To whom this may concern, My name is XXXX XXXX and on XX/XX/2021, I sent a letter regarding inaccurate and unknown information on my credit report. As of yet, it's been nearly 60 days and I still have not received a response. I feel like I am being taken advantage of and my disputes are being ignored. Section 611 ( a ), it is plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been nearly 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that this has caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

The XXXX XXXX XXXX XXXX ( credit bureaus Equifax, XXXX, XXXX, and XXXX ) doing business as XXXX XXXX XXXX XXXX requires individuals to pay postage to opt out of the database shared with XXXX marketers of prescreened or " preapproved '' offers of credit. Though the charge of postage is small, it is multiplied by the number of individuals in a household and in the 21st century, it is less and less likely that individuals will have postage stamps on hand. This is an unnecessary obstacle for a feedback mechanism mandated by federal law under the Fair Credit Reporting Act ( FCRA ). 

The industry website itself undercuts the alleged importance of this mail step, putting the apparent justification in quotes : " you must 'confirm ' your request in writing by submitting a signed XXXX XXXX XXXX form '' XXXX XXXX XXXX It's not literally confirming, just a process that, for purely legal reasons, must be considered confirmation-flavored.
Complaint sub-issue: Problem with personal statement of dispute

I have specifically sent in a Police Report to customer service NUMEROUS times and dispute all transactions on my account that were not mine when i sign for transactions i use first middle and last initials when i requested them to have proof they only have signature of XXXX i gave 3 reps my police report and i will not provide it again and it still shows i have late payments and i still owe the balance of {$4000.00} I disputed this also numerous times and it should not have to keep getting disputed over and over and over again. If this isn't removed off my report within 5 business days i will be contacting the Ohio Attorney General XXXX XXXX. I have the right to fix whats correct. It is unfair that i'm responsible for this. i only made a 1 transaction and this is the transaction i made ORIGINAL TRANSACTION AMOUNT {$750.00} on XX/XX/2018 please remove all transactions except the XXXX. this is the only one i should be responsible for.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

I bought a XXXX XXXX XXXX in XXXX and I finish paying for it in XXXX XXXX I did not get a Title from XXXX XXXX . The suv was financed by the XXXX XXXX XXXX The XXXX was bought to use in my business : XXXX XXXX XXXX XXXX as XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, SC XXXX. 
I paid XXXX for a copy of the title in XX/XX/XXXX, and when I did not get it I went to the XXXX XXXX XXXX XXXX and was told that there was leinhold on the Title. XX/XX/XXXX I call XXXX XXXX and was told that I would get the title in 10 day. 
After more than 6 weeks passed I called them again. I a still waiting on the title and ai a unable to sell the XXXX XXXX. I am still paying Auto Insurance and State Tax. 
Please help e to get my title '. XXXX XXXX XXXX XXXX # XXXX my email XXXX telephone XXXX XXXX Thanks for your help XXXX XXXX
Complaint sub-issue: Problem with customer service

Complaint Pertaining To : Collecting account information from and having contact with the owner of my student loan, UNISA , INC. ( www.unisainc.com,  XXXX ) I am extremely concerned about fraud with this company. 

On XX/XX/XXXX, I signed a disclosure statement at XXXX XXXX College of XXXX stating my understanding of undertaking a Federal Perkins Loan for {$3500.00}. Initially, the loan was owned by XXXX XXXX XXXX ( XXXX ), but was transferred to UNISA , Inc. on XX/XX/XXXX. 

Besides an initial letter and one quarterly statement I received on XX/XX/XXXX, I have received no correspondence from UNISA , Inc. They have a website, but it's links are non-functional. I emailed them earlier this month ( more than 14 days ago ), and no one has contacted me. No one answers their customer service line. I can not log in to their website because the website is telling me I have no account, but the link to create an account does not exist. All I want is access to my account to ensure that I have full understanding of how my payments ( which come out monthly despite not being able to contact the company ) are being applied to my loan.

Please investigate the legitimacy of this company and advise on this issue as soon as possible.
Complaint sub-issue: Billing problem

I had impeccable payment history for the fir st 2 years of the Lease.   I bought a home and moved  and Ally Financial stopped se nding me my statements. This of course hurt my payment history as I never knew when payments were due. This only happened during the last year, when I was at a new address.