Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Seized or attempted to seize your property

Thank you for fielding my previous complaint against XXXX, XXXX XXXX XXXX and their attorneys, XXXX XXXX XXXX XXXX XXXX. The bank, in addition to the attached and incorporated response to your office, sent the change in address to XXXX XXXX XXXX address in New Jersey, and to the attention of the special unit, as addressed on the copy I have provided, also attached and incorporated as my proposed updated complaint. In the alternative, please consider this correspondence as a new complaint against the parties contained in the correspondence, additionally attached and incorporated. I had not heard from the bank or their attorneys after receiving their responses from your office. In XX/XX/XXXX I received the attached and incorporated post card notice, under envelope return addressed at XXXX XXXX XXXX XXXX XXXX address. Then in XXXX I received the attached Validation Notice from Gross Polowy LLC Attorney XXXX XXXX, XXXX, on behalf of XXXX XXXX and post marked XX/XX/XXXX. I responded to the letter by sending a written request for substantiation/qualified written request on XX/XX/XXXX. The Notice of Auction letter was sent XX/XX/XXXX and I responded with the Notice of Grievance and Error, all attached and incorporated by reference. It is my position that the documentation mentioned above is evidence of knowing and egregious violations of Federal and New York State Debt Collection Procedure, RESPA and TILA, and contains false and misleading statements, simulations of legal or judicial process and sanctionable ethical and professional misconduct. I hope that your office can assist or mediate in interrupting their wrongful actions.
Complaint sub-issue: Card was charged for something you did not purchase with the card

it is a trio involved - master card which was linked to joint account with my husband for autopay and somehow XXXX. my husband was very sick and primary holder of credit cards and all credit cards were done as atopay from XXXX XXXX XXXX XXXX XXXX XXXX checking account where our SS goes and my husbands pension from XXXX. my husband passed away on XX/XX/XXXX, and i discovered a lot of weird charges- for instance : some digital XXXX account, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX. since XXXX every month was autopay from bank more then XXXX - only for 4-5 months around {$10000.00}. i called to master credit card to close the account and disputed some charges, they supposed to send me a letter, it did not happened and i discovered today that XXXX disconnected my phone and my husbands phone, so now i can not to get to my account to see what's going on, and what's going on with SS. it is also about my husbands XXXX retairement plans his SS and everything by phone, i am completely devastated all this situation and don't know who to believe to? please help to find out the truth i hope it is not related to the fact, that our family are russians and we treated in this country as nothing, even we are citizens of USA for 20 years and earned our money honest way and we believed in government, and law and we were sure that government by law and order protects their citizens and cares about human beings rights. i hope human beings exist in the government and will hear me. i am not tired to pray to God, but it seems to me no-one wants to hear even word God. thank you for your consideration, honestly i don't believe someone will take it seriously and will help. it feels like a world theater with greedy gambling on alive human beings.
Complaint sub-issue: Account status

XXXX XXXX did not take a payment due to their " computer glitch '' XXXX their words not mine ) and then they reported me as 30 days late.
Complaint sub-issue: Their investigation did not fix an error on your report

this account should not be reporting this account posted after they were paid and levy my wages this is defamation of character and should not be on my report delete this account immediately account SSA/OFFICE of Finance account number XXXX
Complaint sub-issue: Frequent or repeated calls

I received a couple of phone calls over the course of 3 days. I called the number XXXX that contacted me for the second time today XX/XX/2020. I got a rude unprofessional agent by the name of XXXX, Agent ID:XXXX. I advised that I was only 4 days past due and all of the excessive phone calls aren't needed and that it was a form of harassment. I then proceeded to let the agent know that I wouldn't be able to make my payment until next Thursday XX/XX/2020 and that she could set up an arrangement. The agent asked me for my debit card number and I informed that I didn't want to set up any automatic payments and that I would call my payment in as I've done several of times. This agent said rudely " well I am not setting up your payment arrangement and you will continue to receive calls ''. I then stated again that it's considered a form of harassment and in which her company could be sued for. I advised to cease and desist all calls and the agent stated again that she's not setting up my payment arrangement without a card on file. I asked for a supervisor and the agent ignored me, she either disconnected the call or muted the call and didn't reply back to me. I hung up and called spoke with another agent by the name of XXXX, she provided me with the previous agent name and agent id. I then spoke with a supervisor by the name of XXXX about the situation at hand, and so far have resolved the issue. She stated that they will pull call and review.
Complaint sub-issue: Problem with fees charged

I leased a new car through VW credit. I recently returned my car to the dealership, and for the first time after three years of having the car, I was made aware of the disposition fees. I tried to dispute the charges with VW credit as I was never told about such charges. They refused to remove the charges, instead they insist that the charges are on the contract which I signed. I explained that I was never consulted or told about these charges, which is dishonest business practice not letting the customer know about the terms of the contract. I also explained that I never leased a car in the past, and never knew about the disposition fees. VW credit instead pushes and forces me to get a new car from them in order to remove the fees.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/XXXX with regards to my request of removing the items in question and my last request was sent XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX. XXXX Date Opened : XX/XX/XXXX {$5.00} XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$490.00} XXXX XXXX Date Opened : XX/XX/XXXX {$1300.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX {$160.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXXD XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$410.00}
Complaint sub-issue: Their investigation did not fix an error on your report

According to the Fair Credit Reporting Act, 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 my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed in the attachments. 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 verifiable proof, you must remove the accounts listed in attachments. 

I contacted the US Bankruptcy Courts of XXXX Maryland and they stated that they do not send or communicate with any of the 3 CRA 's ever. XXXX So, you did not verify that account when you said you did. 

Despite my first written requests, the unverified items attached still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX I sent letters out to Equifax XXXX and XXXX stating my identity had been compromised. I notated the accounts that needed to be addressed. 
XXXX/XXXX ( 5 ) - acct. XXXX XXXX XXXX- XXXX XXXX XXXX-XXXX/ XXXX Equifax deleted the XXXX/XXXX accounts and in return sent an updated credit report notifying me it was sold to another collection agency which it is still reporting inaccurately on my credit profile damaging my credit. XXXX and XXXX   stated information was updated and verified. 
XX/XX/XXXX I sent letters out again asking for verification but the credit bureaus failed to update unverified information or the method in which they verified information in which they fail to do so. 
I reached out to the companies but have failed to get a single response. I am requesting assistance in the verification of the removal of inaccurate information on my credit report. The Credit Bureaus have failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act
Complaint sub-issue: Information belongs to someone else

I filed a police report with XXXX Police Department in Texas with the Report # being XXXX on a case of identity theft with Discover Fin SVCS LLC under account # XXXX across all three credit bureaus. I had a fraudulent credit card opened in my name which I regret doing I paid this account off after numerous attempts to collect debt from me from discover Fin SVCS LLC. My information was exposed in a data breach on the dark web and with me being young at the time I didn't know that I could dispute identity theft and I thought that I had to pay this credit card even though I had my identity stolen and I had no idea about disputes. Discover had also told me that if I paid this account this account would be put behind me and be removed from my credit report and would no longer hurt me. For the past 6 months this representative and discover lied to me. I am still being affected by this fraudulent credit card that was opened in my name as this account has 6 late payments and still isn't removed from all 3 of my credit bureaus. I sent in the police report along with FTC reports to all 3 bureaus with no avail. I need the CFPB help with this situation as I have no where else to turn to.
Complaint sub-issue: Debt is not yours

Upon checking my credit report i realized there is a credit agency trying to collect a debt that i have no knowledge of i have never signed a contract with them nor any of there affiliates
Complaint sub-issue: Account status

I disputed a late payment from XX/XX/XXXX with XXXX on Equifax. I provided documentation showing where the error was on their part. XXXX had agree to remove the late pay on their system based on this documentation. Equifax did not remove it on my file. This is NOT MY ERROR. If the lender agreed to remove it, why did Equifax leave it on my file after the dispute?
Complaint sub-issue: Not given enough info to verify debt

A sprint account in my name was submitted to IC Systems for collection. IC System contacted me and I initially made a payment agreement XXXX to avoid credit bureau reporting. Upon further investigation, IC System continuously tacked on charges each month with zero explanation. My principal balance would increase by $ XXXX {$40.00} each month after I made a {$100.00} payment. I disputed this balance with IC System due to their misleading representation of the actual debt amount, ( Fair Debt Collection Practices Act, Section 807, False and Misleading Representations ) and also the misleading information representatives at IC System would provide me with. Rep 's for IC would tell me to contact XXXX, while XXXX would tell me to contact IC System, and when I requested a detailed final bill of all my charges, IC System requested XXXX send me records of my phone calls for all XXXX lines on my account instead of charges breakdown like I asked. XXXX nor IC System returned my request for validation of the debt, and instead, referred it to a third party collection agency. Every action taken by IC System was in violation of the Fair Debt Collection Practices Act, Section 807, False and Misleading Representations.
Complaint sub-issue: Information belongs to someone else

I HAVE CALLED THE CREDIT BUREAUS AND THE CREDITORS AS SOON AS I FOUND OUT ABOUT THE FRAUDULENT ACCOUNTS : ( XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX BANK XXXX XXXX # XXXX XXXX. I WAS ADVISED TO GO TO THE POLICE STATION AND REPORT THE IDENTITY THEFT, WHICH I DID AND I HAVE SENT THE POLICE REPORT TO THE CREDITORS AND ALL THE BUREAUS AS PROOF OF IDENTITY THEFT. I HAVE DISPUTED THE ABOVE ACCOUNTS AND THE CREDIT BUREAUS HAVE RESPONDED BY NOT REMOVING THE ABOVE ITEMS. THE ACCOUNTS ARE FRAUDULENT AND THEY SHOULD BE IMMEDIATELY REMOVED. I HAVE ATTACHED THE POLICE REPORT AS PROOF OF FRAUD.
Complaint sub-issue: Information belongs to someone else

There are multiple accounts on my personal credit reports that are UNVALID as in never been validated items. A few different creditors, none in which i've ever come into relationship with. These accounts just don't belong to me. They've been on my report for about a year now and ive been back and forth with these credit bureaus about removing ( blocking ) these fraud accounts pursuant to the FCRA 605 ( b ) law I've sent out all the necessary documents needed to activate a blocking on these accounts, yet these credit agencies have failed to do so. Why? I have yet to receive any concrete evidence or proof of validation with these reported items from neither party ( credit agencies or creditors ). This is blasphemy, that these credit bureaus have been willfully disobeying credit laws at the consumers expense. It has been XXXX trying to reestablish my identity and these credit agencies have been little to no help. I need the CFPB to oversee this to make sure these credit agencies due their jobs with providing full proof of VALIDATION of the fraud accounts they've deemed " accurate and valid '' Pursuant to Fcra law 809 ( a ) ( b ), and no i've never hired any credit firm to help me amid these tragic events, i sincerely made phonecalls to all 3 bureaus, asked questions, got answers, and went online at FTC.GOV to study the FCRA Laws, THIS IS ALL FREE AND ANYONE CAN DO THIS, IT IS NOT A CRIME TO KNOW MY CONSUMER RIGHTS! So XXXX you guys at the office who left the last cfpb response not honoring my request because you said i hired a credit firm and you didnt think i've authorized these disputes, are XXXX! All of ya, XXXX! THIS IS ME, XXXX XXXX, This isn't rocket science as everything needed to know is ONLINE. Yall have willfully broken fcra laws and i KNOW IT, These are unfair business practices and ill fight tooth and nail until you guys fix these mistakes! Otherwise ill sue and i keep a trail of EVERYTHING.
Complaint sub-issue: Information belongs to someone else

Fraudulent / unauthorized inquiry by XXXX XX/XX/2022 XXXX
Complaint sub-issue: Not given enough info to verify debt

XXXX XXXX purchased this loan from Conn 's XXXX. I informed them that my mother opened this account unknowingly and advised them to validate and verify. XXXX XXXX has also harassed me repeatedly outside of FDCPA guidelines via phone and I received calls from blocked # 's from their reps advising that my account was " in their office and I am going to be sued ''. The lack of professionalism and ethics was incredible.
Complaint sub-issue: Account status incorrect

My XXXX XXXX date presented to me by my university ( XXXX XXXX University ) was XX/XX/XXXX. I knew that a grace period is granted after graduation to being repayment of the loan. On XX/XX/XXXX I logged on to the Nelnet portal to make the first payment on my student loans only to find that it said my account was past due {$370.00}. I immediately made payment of this amount, then Nelnet reported to my credit report that I was 90-119 past due on my payment. I wanted to dispute this late payment report from my credit.
Complaint sub-issue: Information belongs to someone else

These are not my accounts, addresses on file, name on file, nor did I authorize these companies to pull my credit.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX - Was told it was a soft inquiry XXXX Delete XXXX XXXX XXXX Bank XXXX Was told it was a soft inquiry - XX/XX/2022 - Delete Inquiry CITI CARDS CBNA - Was told I was pre-approved - XX/XX/2022 - Delete Inquiry CITI CARDS CBNA - Was told I was pre-approved - XX/XX/2022 - Delete Inquiry XXXX CARD - Was told it was a soft inquiry/pre approval - XX/XX/2022 - Delete Inquiry XXXX XXXX - Was told it was a soft inquiry loan - XX/XX/2022 - Delete Inquiry Cross XXXX XXXX XXXX Was told it was a soft inquiry I later took out a loan from them and now it appears twice - XX/XX/2022 - Delete Inquiry
Complaint sub-issue: Frequent or repeated calls

This fraudulent company ( XXXX XXXX XXXX  ) calls repeatedly, using an application to go directly to voicemail, and leaves a threatening message regarding an unspecified debt. When you attempt to call them, they refuse to answer any questions or remove the number from their calling list. They instead threaten you further and then hang up. They're just trying to scare people into giving them money with phony claims of debtors prisons. 

I kept calling back every time they'd hang up on me, they ironically threatened to report me for harassment. However, eventually they agreed to stop calling if I agreed to stop calling them. Give them a taste of their own medicine, and mention this bureau, they crumble like a dry cake.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX AUTO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAP XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BAN XXXX ) XXXX FXXXX XXXX XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

Unsure of exact dates. Account was opened in my name. I have no information on account or have received account information. Was notified by XXXX that there was an open delinquent account. Disputed account but creditor would not resolve, stating that all the information they have on file supports I opened the account.
Complaint sub-issue: Was not notified of investigation status or results

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Complaint sub-issue: Their investigation did not fix an error on your report

I had a Bloomingdales credit card which I paid in full with Citi Internal Recovery unit in XX/XX/2017, for {$1400.00} with XXXX # XXXX and payment confirmation for the transaction of # XXXX. However this account is steadily being reported to XXXX XXXX  as 90+ days late since XX/XX/2017. I have attached a copy of the account report from XXXX  that clearly details this account has been reported 27 times as 90+ days late, when there has been no balance owed since XX/XX/2017. I have repeatedly called Citi Internal Recovery Unit to report this account correctly as having been paid off completely, but to no avail.
Complaint sub-issue: Their investigation did not fix an error on your report

I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXX, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX XXXX XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taking the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a 609 letter because I know this is not mine. They have not provided any proof nor removed it. XXXX XXXX XXXX also said they can't find anything on this account. Please help
Complaint sub-issue: Problem with personal statement of dispute

I made my payment to XXXX XXXX XXXX on XX/XX/2022. My payment was initially due on XX/XX/2022. I dont know what occurred between the banks, but the payment didnt post until XX/XX/2022 making my payment 30 days late. The only reason I paid so late at this time was because I was between jobs, otherwise Ive never had a late payment. I tried to resolve this with my XXXX XXXX but they were unwilling.