Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full  name and address All records pertaining to actual debt to prove validity. 
I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1975 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX 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

Upon reviewing my updates, there are several unauthorized inquiries seen written in my Credit Report and is clearly a violation of the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that reporting unverified information without any proof provided within the time allowed by law is not authorized. The inquiries listed are unauthorized and needs to be deleted immediately : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

Received a notice for small claims from a law firm in my state regarding a debt from Plaza Services when I had never received anything by mail from this company first, attempting to collect any debt. I tried contacting them via the XXXX  but they told me to get in touch with the law firm handling the debt instead of them.
Complaint sub-issue: Problem using a debit or ATM card

I purchased a power cord for {$31.00} from XXXX XXXX XXXX XXXX using my Discover Checking ATM Card, and was sent someone else 's partial order. I called XXXX to rectify the problem as was told that they would overnight me a cable and issue a call tag for the wrong items I received. I did not receive the cable I originally paid for, and followed up with a call. I was told they could not help me further. I tried to contact corporate by received not correspondence back. 

I then proceeded to start a chargeback claim with Discover Bank on the basis of fraud. I was told twice by them that they could not help me because Regulation E did not protect me if the merchant sent me the wrong item. 

Discover is allowing this fraudulent charge and not protecting me as a consumer and customer. I have banked with them for over 2 years and have been an outstanding customer. I would like to proceed with a complaint against Discover Bank for this incident.
Complaint sub-issue: Problem with personal statement of dispute

I requested proof of their decision after my dispute with in the same letter that was mailed to Equifax via certified mail return receipt requested article number XXXX XXXX XXXX XXXX XXXX mailed XX/XX/XXXX and signed for by Equifax XX/XX/XXXX. 
Under the FCRA 611 ( A ) ( 7 ) which provides Equifax to provide proof of their verification after the dispute, I allowed 30 days after the dispute. Then I allowed the 15 days for the Method of Verification under 611 ( A ) ( 7 ). 
Equifax is in blatant violation of the FCRA for failing to provide proof. 
I plead with CFPB to have Equifax to provide me proof in writing as required under FCRA 611 ( A ) ( 7 ) not just state they investigated after receiving my dispute and that they verified which is not enough under the FCRA 611 ( A ) ( 7 ). 
In addition I also sent communications certified mail return receipt requested regarding proof article number XXXX XXXX XXXX XXXX XXXX Equifax signed for XX/XX/XXXX Equifax provided nothing and another article number XXXX XXXX XXXX XXXX XXXX which was also signed for by Equifax on XX/XX/XXXX. I am keeping careful record regarding every step I take just in case I continue being treated so badly.
Complaint sub-issue: Trouble with how payments are being handled

This is a continuation of the complaint i have already made through the CFPB - case number XXXX I contacted XXXX from Fedloan XXXX as she was assigned to my case after submitting a formal complaint to the US department of education. She is in charge of obtaining my promissory note and reviewing my interest rates as I have received previous documentation stating my interest rate was higher then the fixed amount. I sent her an email requesting to have a discussion regarding my repayment terms now that they have been changed to 120 months- to find out what my payments would be, how much my loan amount would be reduced etc. 
She called me on XX/XX/XXXX I informed her of the response I received from the CFPB regarding change in payment terms. She stated that typically the 120 months would start in XX/XX/XXXX, stating that my previous XXXX years of payments under the standard repayment plan ( I have paid several hundred dollars more then the actual amount in an attempt to pay it off faster ) would not go towards the 120 months. I questioned her on this because this was FRAUDULENT behavior on the part of Fedloan. My terms from the beginning should have been 120 months ( per US department of education guidelines which they state they follow ). 
Now that I caught them and made the formal complaint I CAN NOW RECEIVE THE CORRECT TERMS??? If that is the case FEDLOAN is continuing to DEFRAUD ME. She then informed me that my loan accrues {$15.00} in interest per day, approximately {$480.00} a month- approximately {$5700.00} a year. THIS IS COMPLETELY INCORRECT. My XXXX XXXX states my student loan interest received by lender is {$10000.00} over the past year. If FEDLOAN doesn't credit me for the months I have paid ( started paying my loan XX/XX/XXXX under the standard repayment plan ) which is XXXX years of payments they are now defrauding me of approximately {$27000.00} or MORE. 

Yesterday- XX/XX/XXXX I received my new repayment terms and they were 120 months starting XX/XX/XXXX. I refuse to allow Fedloan to continue to act in corrupt ways and take advantage of me which is why I decided to submit another formal complaint.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX  has been paid in full with settlement offer they are still reporting that I owe {$590.00} when my balance is now {$0.00} they also said that they will remove it from my report. I have proof that it was paid off on XX/XX/2018.
Complaint sub-issue: Their investigation did not fix an error on your report

The mortgage lender XXXX went bankrupt effective XX/XX/XXXX. As a mortgagee, my account was transferred to another lender, XXXX ( please see attached service transfer request from XXXX to XXXX ), however, my credit score unjustifiably dropped 24 points in XX/XX/XXXX, because the transfer was categorized as a " closed account ''. 

The account remains open and XXXX is now receiving the mortgage payments. I immediately disputed this with XXXX, XXXX, and Equifax. My score only increased by a few points. I tried revisiting the disputes on XXXX XXXX but they did not have the option to extend my argument. 

This is in direct violation of the Fair Credit Reporting Act and I find it most disheartening as I work fervently to maintain an excellent credit score. I should not be penalized for XXXX 's inability to stabilize their financial infrastructure and for the record, a second time since its inception.
Complaint sub-issue: Account information incorrect

I have tried NUMEROUS TIMES to get my PAYMENT HISTORY corrected with They continue to go in and make changes that make matters WORST! They are NOT being legal, honest or FAIR! 

I am asking that you hold them accountable and make them take those late payments OFF! I have NOT been late on my payments and their continual ERRORS and MISREPORTING make me further confirm that THIS INFORMATION IS NOT CORRECT! 

I WANT THESE PAYMENTS DELETED FROM MY ACCOUNT. I WANT THE ENTIRE ACCOUNTS DELETED AS THEY ARE NOT REPORTING CORRECTLY BY LAW AND THEY DO NOT REFLECT ME AND MY CREDIT HISTORY. 


I HAVE ATTACHED DOCUMENTATION THAT SUPPORTS THE ERRORS THAT ARE BEING MADE ON MY ACCOUNT.
Complaint sub-issue: Information belongs to someone else

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Creditr Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$0.00} ; Bankruptcy XXXX XXXXdischarged US BKPT CT FL XXXX Filed XXXX XX/XX/XXXX Reference number : XXXX
Complaint sub-issue: Keep getting calls about your loan

I've recieved 2 voicemails from a women identifying as XXXX XXXX 's regarding " repayment options '' to my federal student loans.The number left to call XXXX but she called from XXXX. She left a reference # of XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022, and XX/XX/2022 I filed disputes with Equifax, XXXX, and XXXX, all 3 credit bureaus due to there being collection accounts that are not mine ( 4 to be exact ) on all 3 of my credit reports. According to the rules and or laws for your guidelines, I got no response in a reasonable amount of time and heard no answer or anything explanation whay is happening. I would like these items removed from all 3 of credit reports, thank you. The items are : 1. XXXX XXXX. Acct # XXXX Account is not mine. 
2. XXXX XXXX XXXX XXXX Account XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX Account # XXXX. Account is not mine. 
4. XXXX XXXXXXXX XXXX  Account # XXXX. Account is not mine.
Complaint sub-issue: Debt was paid

EOS CCA is falsely reporting a collection on my credit report. Debt was from a XXXX account that was already disputed, settled, paid, resolved and removed from my credit report ( s ) by another collection agency. EOS CCA is in violation of FCRA for trying to report debt that was already settled and removed from my credit report ( s ). The debt they are trying to collect on is {$350.00} which appeared on my credit report ( s ) on XX/XX/2019.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts 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 Its been over 45 days and Equifax havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.
Complaint sub-issue: Problem with customer service

I have a loan serviced by XXXX in the amount of ( balance ) {$52000.00}, Account # XXXX. 

About two months ago, I sent in the required forms and paperwork for discharge because the XXXX  XXXX XXXX XXXX deemed me 100 % XXXX ( Permanent and Total ). Today, I received correspondence that I had to provide evidence of a name change because the name NELNET and XXXX has on file do not match. The document states that I need to provide evidence in the form of certain listed acceptable documents for a First Name Change, or other certain listed documents for a last name change. Because the document did not specify the discrepancy, I called XXXX and spoke to a Rep who could only note that NELNET had XXXX XXXX XXXX XXXX XXXX 's listed name as XXXX XXXX. XXXX is not a first or last name, it is a suffix. I have not had a name change and do not know what they're talking about. 

I loaded the documents into the XXXX system, but fear this is a game they are playing to make student loan discharge just that much more difficult. They have accepted over {$50000.00} in loan payments from me with this so-called discrepancy, but now that I've put in the proper paperwork for discharge it's suddenly a problem and they don't know who I am? 

I'm asking that they look deeper into this, let me know what the first or last name discrepancy is, and expedite my discharge. The XXXX rep saw no discrepancy with the first or last name as seen in their records.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

The car was in total loss. USbank allow me to purchase the vehicle and I purchased. I had to contact them because they never sent me the title. Couple of times they informed me that they sent me a titel but they never did. I reached out to them and they are saying the coverage have to be paid from the car insurance company. They told me they are going to return my money when they receive money from the insurance which was about XXXX more than the actual remianing pay off balances. 

They returned my money and top of that they sent me XXXX for the troubles. 

BUt not they are sending me another bill for deductable amount of {$560.00}.
Complaint sub-issue: Information belongs to someone else

I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX. US DEPT ED AND USDOE/XXXX. I have contacted FTC and local police.
Complaint sub-issue: Account status incorrect

I have filed a complaint on numerous occasions against XXXX XXXX with equifax. The account shows to be opened and XXXX XXXX is reporting the account is missing payments every month but the vehicle was voluntarily surrendered by me and sold by XXXX XXXX  in XXXX of this year. XXXX from the complaint department has been handling my complaint. She is very unprofessional, not knowledgeable at all and refused to get me a supervisor when I demanded one several times on more than one day. Everytime I call XXXX XXXX they route me to XXXX and its unbelievable that someone so incompetent of their job is handling my complaint in the first place when I have asked for supervisors who are more knowledgeable of this situation. I no longer have the vehicle it was sold in XXXX the account is suppose to report CLOSED due to voluntary repossession. XXXX stated that there is nothing that they can do and to contact equifax. Equifax stated that I have to contact credit acceptance. No one is helping me. This is my 2nd complaint.
Complaint sub-issue: Their investigation did not fix an error on your report

I have an unverified bankruptcy reporting on my credit file. I reached out to the courts to verify the courts method of verification with the credit agencies and the courts responded saying they do not in any way report to the three major credit agencies. I mailed the letter I received from the courts as well as a request to remove the unverified account to all 3 credit agencies. I never received a response in writing but when I called to check the status of my request, the credit agencies responded by saying they could not authenticate my letter from bankruptcy court. I responded by resending the letter from the courts only this time I had both my dispute and response from bankruptcy court notarized. I have received a response from 2 of the 3 credit agencies stating that the account has been verified by the credit agencies even though the courts say they do not communicate with these companies. Please help assist me in having this unverified account removed from my report.
Complaint sub-issue: Can't use card to make purchases

Since XX/XX/2018, Citibank has locked my card ending in XXXX " for my protection ''. After waiting a week for the letter that was repeatedly referenced through Citibank 's secure messages and phone calls with me, I faxed it to Citibank. Over the next several days, I was told repeatedly I still needed to call in even though the requested information had been received by them ( faxed letter request from Citi as well as SSN verification form ). I called Citibank several times in response to their secure messages stating that the matter could not be resolved through secure message, and only by phone. I was told every time I called that my card would still not be unlocked with no reason given except to 'wait a little longer '. If Citi only had to speak to me, why is the card not unlocked? Well as of 2 days ago, I was informed via secure message that Citi wanted me to resend the fax as it was not readable. This is over a week after the original fax was sent and confirmed received. Why was it confirmed as received if it was " unreadable ''?
Complaint sub-issue: Information is not mine

I 'm trying to join the XXXX, during my recruitment process, they did a credit report check on me. They found some information that does n't belong to me. XXXX different accounts from telecommunications services and/or cellphones companies. Please, I need help resolving this issue.
Complaint sub-issue: Overdrafts and overdraft fees

I have repeatedly told KeyBank I do not want overdraft protection. Recently, my account was garnished and was taken, unexpectedly, to XXXX. Two charges, one for {$10.00} and one for {$8.00}, came in while the balance was XXXX ( I live in the mountains, 45 minutes drive from the nearest branch , drive a gigantic truck which eats gas, and can't simply stop by to deposit more ). 

Not only did KeyBank put the charges through when they should not have, but then they charged me a total of {$95.00} in fees. 

That's {$97.00} in fees for {$18.00} would for charges. That's {$48.00} per overdraft - that I DID NOT AUTHORIZE.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a XXXX XXXX XXXX. I misplaced the card, which was necessary to pay the bill earlier this year. I contacted XXXX XXXX to make a payment and request a card in XXXX XXXX. The card never came so I did the same thing in XXXX and then again in XXXX. In XXXX I made arrangements to have it auto pay. This did not happen. I found out by seeing a negative mark on my credit in XXXX XXXX. 

I contacted XXXX XXXX. They got me the card finally. I was able to log into my account and put it autopay. I contacted them and they agreed to have the 30 day late mark removed from my accoun, given the efforts I had to go through to resolve, what could have been a simple issue. XXXX XXXX did contact the credit unions. I think XXXX  was the reporting credit union. 

XXXX refused to remove the 30 day late mark. I requested an investigation. They are saying it is compliance with FCRA, despite both XXXX XXXX and I disputing this reporting. 

The other credit unions also refuse to remove this item.
Complaint sub-issue: Information belongs to someone else

Good afternoon, my name is XXXX XXXX. Im writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did NOT make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

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

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX XXXX U.S. 1681 section 602 A. States I have a right to privacy.

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