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

XXXX XXXX XXXX XXXX {$1000.00} There is no contract, no valid claims ... account was settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Complaint sub-issue: Investigation took more than 30 days

I have new and updated information for complaint # : XXXX ; Equifax violated my rights under 15 usc 1681i ( a ). Pursuant to 15 usc 1681i ( 7 ) Description of reinvestigation procedure A consumer reporting agency SHALL PROVIDE TO A CONSUMER A DESCRIPTION REFERRED TO IN PARAGRAPH ( 6 ) ( B ) ( iii ) BY NOT LATER THAN 15 DAYS AFTER RECEIVING A REQUEST FROM THE CONSUMER FOR THAT DESCRIPTION. As of XXXX XX/XX/2022 Equifax responded to CFPB stating that it is still working on my issue. It has been well over the 15 day time frame, which is a violation of the law granted for Equifax to send me their method of verification for re-investigation. I filed with CFPB and they sent it to Equifax XXXX XX/XX/2022, where I requested my entire consumer credit file and report, as well as exercised my rights under 15 usc 1681i ( a ) I am requesting your method of verification, and I am granting you 15 days to respond to this request. If this account was in fact verified as you claim that would mean that you investigated it, and it would also mean that this was in fact an investigative consumer report. If this is an investigative consumer report I am also exercising my rights under 15 usc 1681a ( e ) I want to know exactly who you spoke with, and the method you used to speak with them. I also would like the name of the company who furnished this information and the name and employee number of the employee whom you spoke with. Pursuant to 15 usc 1681a ( e ) I an demanding the following : Which neighbor did you speak with? Which associate did you speak with? Which friends did you speak with? Which acquaintances of mine did you speak with? Was the information that you received factual? Please keep in mind that you only have 15 days to respond to this request. If you do not respond in time, this information must be permanently be removed from my consumer report. 

On XXXX XX/XX/2022 I filed complaint # : XXXX with the CFPB disputing the above alleged account and reported late payment, as well as outlining how Equifax violated my rights as a consumer under 15 usc 1681. The subsections Equifax violated are as follows : 15 usc 1681- ( a ) ( 1 ) 15 usc 1681- ( a ) ( 2 ) 15 usc 1681-a ( 3 ) 15 usc 1681-a ( 4 ) 15 usc 1681b. ( 2 ) Your company ( Equifax ) responded alleging that the referenced account ( s ) were verified on XXXX XX/XX/2022.
Complaint sub-issue: Reporting company used your report improperly

in Accordance with the Fair Credit Reporting act XXXX Bank Account # 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX
Complaint sub-issue: Used obscene, profane, or other abusive language

I Received a call today from a company from he name of IQ Data, they explained it was a debt for an apartment from earlier this year. I explained that i summitted a written dispute months ago and haven't heard anything until today. I wrote a letter disputing the charges, the representative instantly said they never received a letter from me and there was noting i could do, if i didnt pay the full amount of {$2000.00} today he would report to my credit. I tried explaining that the reason for me moving was due to XXXX, being laid off and not having a socuce of income. The representative XXXX said that wasn't his problem and its no excuse nnot to pay. I never refused to pay i just wanted to dispute the additional changes. The representative began to raise his voice saying i shouldn't have moved if i couldn't afford it, he then went on to say hes been in the field 15 years and they are not going to reduce the fees. I asked to speak with a supervisor he placed me on hold XXXX hung up also laughing while doing so. I called back right away only to speak to a supervisor who didnt care and as far as his employee he said he would look into it. Ive recievd multiple calls before im even up XXXX. With everything going on no one deserves to be treated this way.
Complaint sub-issue: Account information incorrect

There is a delinquent payment posted to my credit report for my XXXX account ; however, this was the fault internally of XXXX when they transferred out of XXXX XXXX. I was in income sensitive forbearance when this transfer occurred. I moved to Florida to pursue work with my BA Degree, which I had not obtained up to XXXX. I had submitted the proper forms for deferment. I was in a major car accident where I had to go through XXXX in XXXX. I never received any type of correspondence from XXXX regarding the status of my forbearance. I then started to look into going back to school to obtain my Masters Degree. I was accepted in late XXXX. It was not until I looked at my credit report that I noticed there was a delinquent payment noted on my XXXX account. From when XXXX XXXX was the servicer back in XXXX XXXX. This was when I was still in XXXX and determined to be XXXX XXXX XXXX from being XXXX by a XXXX XXXX, and I lost my job due to this injury that was not my fault, and I have hundreds of supporting documents from the lawsuits. I never received written or email notification like I do from XXXX XXXX XXXX, and my current XXXX  Loans. I was in injury and jobless forbearance in XXXX, and then I went direct into my MBA degree in XXXX. Also, it is only 1 payment marked as late, and it is marked as 120-149 Days late under worst payment status. under Times 30/60/90 days late XXXX appears. How can I not have marks under 30, 60 days late and a huge hit on 120-149 when I was entering school, in rehabilitation for injury, and in forbearances with my other loans. I filed all the correct paperwork out. This is the fault of XXXX and their mishandling of digital and physical paper files, and not sending out proper communications. Also, this hit is the only derogatory mark on my credit and it is making it so I can not even rent my own apartment or condo. This mark is unfair. I have already disputed it twice, and there is a mark consumer disagrees and previous dispute on my credit report in which my broker stated I would not be able to get a mortgage until that is removed, and XXXX Refuses to remove it. They hang up on me every time I try to talk to them about this.
Complaint sub-issue: Company closed your account

I didnt know this account was closed.I never received paperwork/info why this company closed my account.I know this card used to be sears and was transferred to shop your way.Because its closed without me knowing, it has dropped my credit score.I believe under the Consumer protection act, CBNA has to notify me by letter that there closing my account and the reasons why
Complaint sub-issue: Trouble with how payments are being handled

I am asking for an updated qualifying payment count regarding my federal loans under the Public Service Loan Forgiveness program. 

My counts are off considerably. 

Thank you
Complaint sub-issue: Account status incorrect

On XX/XX/2021 I sent a validation letter to XXXX, Equifax, and XXXX regarding some inaccuracies that are reporting in my credit report ( attached below ). I exercise my right to request all three bureaus to provide me with verifiable proof that the negative items reporting on the accounts listed below belong to me or they have to remove those immediately. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify through physical verification of the alleged original signed consumer contract to prove those accounts belong to me and that whatever they report on my credit report has to be 100 % accurate. On XX/XX/XXXX, I received a letter back from XXXX stated that they verified those accounts as accurate which is false and misleading which is a violation of my consumer rights. How can they verify it to be accurate if you can see the invalid inconsistencies in plain site ( shown below ) As for XXXX and Equifax it's been well over 30 days and I never received any investigation results In regards to the late payments that were reported, that is 100 % false because I paid those accounts on time, but to my understanding late payments shouldn't even be reported due to the COVID Forbearance Act. Not to mention I also have hard inquiries reporting on my account that don't belong to me.
Complaint sub-issue: Didn't receive enough information to verify debt

I have recently checked on my credit report through XXXX  and shows a negative remark on my file in regards to a medical bill that I did not know I had. It shows that it went onto collections for just an amount of {$53.00}. I always pay my bills on time, but never got a notice for this specific bill. 

In the report its labeled ( XXXX-XXXX XXXX XXXX   XXXX  )
Complaint sub-issue: Their investigation did not fix an error on your report

After reviewing my credit profile on XX/XX/22 I identified a discrepancy with account listed under XXXXXXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/22 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/22 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Complaint sub-issue: Public record information inaccurate

XXXX XXXX posted to my credit report that my home was damaged by the recent hurricane in Florida. This information is a lie. XXXX XXXX should not be permitted to post lies on their customers credit reports. This is not the first time this has occurred. They continue to harass me because I complained about how they discriminate against Veterans by violating the Servicemans Civil Relief Act
Complaint sub-issue: Information belongs to someone else

I received copy of my credit report, and i saw accounts which are not belong to me. 
I believe, that i was victim of identity theft, someone used my personal information and applied for all these accounts, i'm not responsible for all these debts.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I graduated in XXXX with a substantial amount of debt. I immediately enlisted in the military with hopes for additional repayment options, etc. I utilized the SCRA to help while XXXX XXXX, however AES/PHEAA/XXXX immediately began their scare tactics upon my discharge. 

The first straw was in XXXX when the co-borrow called to make a payment on a past due loan that was through XXXX XXXX XXXX. They took the money, allocated wherever they wanted, neglecting the loan that actually needed to be paid. It defaulted. Once questioned as to why it wasn't sent to the right accounts, the response was " he didn't say he wanted it all allocated there ''. COMMON SENSE SAYS TO PUT IT WHERE IT NEEDS TO BE- NOT WHERE IT ISN'T NEEDED. They conducted an " internal investigation '', claiming they listened to the recordings and were not at fault. Yeah, right. I told them about his age ( and why he doesn't do online payments ) and they said- " maybe he was just confused ''. DISGUSTING! My father ended up using his entire savings to cover this loan once it was in default/collection. 

I have called countless times to make other payment arrangements, only to be told by one representative I had such and such options and getting my hopes up. But then I get notice that my loans are 90+ days past due and my good faith payments were for nothing. I then call back and get a representative saying things such as " I don't know why the last person would have told you that '' and escalating me to a " supervisor '' who said that things just haven't processed to reflect the amount owed. A week later, I see I'm 103 days past due. I call back yet again to be told : " you used all the options available ''. 

In short, I want to pay! I just can't pay the amount they want. I can't get a consolidation loan somewhere else because XXXX/AES has ruined my credit beyond belief. I'm to the point that I ask myself why pay at all? If what I can give isn't good enough, I may as well keep the money in my pocket to pay my rent and eat. 

The original cosigner for the loans is now XXXX and living on Social Security. WHY are options for repayment so limited? I'd sell a kidney just to be able to move my loans to another servicing company with actual legitimate repayment terms. They have done nothing short of ruining my credit and quality of life.
Complaint sub-issue: Was not notified of investigation status or results

I mailed a letter to Equifax about a debt showing on my credit report. The debt is from XXXX XXXX XXXX, original creditor, XXXX XXXX, in the amount of {$88.00}. 

I provided a copy of their credit report, along with the receipt showing the debt was paid. Equifax failed to respond to my letter, and they failed to remove the debt from my credit report.
Complaint sub-issue: Debt is not yours

I was applying for a rental property and was denied because they said I had a collection on my account from XXXX which I had no knowledge about been trying to dispute it and XXXX told me that the ss number that the company has is not mine
Complaint sub-issue: Non-sufficient funds and associated fees

I am maintaining checking account with Comerica Bank jointly with my wife. I have sufficient balance amount in my account as required by the bank. I am also having one account jointly with my daughter in XXXX with her name as first name and mine as joint holder. My daughter is not operating her account and not keeping the sufficient balance as required by bank. On XX/XX/2022 the bank debited {$46.00} from my account and transferred to my daughter 's account being negative balance for not keeping proper balance. Instead of closing her account or contacting her the bank started debiting {$11.00} for every month. This debit balance is being charged for the last 5 months. This does not make any sense to penalize me for the low balance in my daughter 's account. By doing this the bank is treating me as a defaulter. I request to intervene in the matter.
Complaint sub-issue: Investigation took too long

I am filing my complaint because Equifax refuses to stand by their rules and standards as a company. I disputed an item on my credit XX/XX/2016. It is now XX/XX/2016 and the item still reads that it is under investigation on my credit report. Equifax refuses to delete this item after 4 months. Please resolve this matter as soon as possible. Thank you.
Complaint sub-issue: Investigation took more than 30 days

I sent a request for debt validation to the creditor, XXXX XXXX on XX/XX/18. They have not responded and it has been over 30 days. As per FCRA ruling they have 30 days to respond to and request for validation or the account must be removed from my credit report immediately. XXXX XXXX has failed to respond in the allotted time and I am requesting that the account be removed from all my credit reports entirely. Attached is my original documentation of the request for validation dated XX/XX/XXXX along with the receipt for the mailing postage. Please remove the accounts portfolio recovery, from my XXXX, Equifax and XXXX  Reports. DO NOT RESPOND TO THIS WITH A NOTICE TELLING ME THE ACCOUNTS ARE VERIFIED. The verification request was sent to the creditors and ignored past the 30 day ruling of the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY - ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Complaint sub-issue: Transaction was not authorized

HI i close my account with citibank due to massive fraud i had on my account and there are more fraudulent ACH appear on my checking accounts in between XX/XX/2020 and XX/XX/2020 i would like for these payments to be disputed for discover bank and i would like them to be opened on my behalf and my account number is XXXX and my name is XXXX XXXX and i would like callback if possible thank you
Complaint sub-issue: Can't close your account

My father passed away earlier this year in XXXX. I am his sole beneficiary, POA on the account, and am managing his estate. I have provided documentation and death certificates to Citi to prove that the account owner is deceased. 

Over the course of the last three to four months, I have been trying to close my father 's checking account with Citi Bank. On numerous instances with online chat and over the phone, the request has been denied. They have assured me multiple times that the account will be closed, but each time it remains open. Now, they have started assessing fees ( $ XXXX ) to the account because there is no balance in the account. 

I have made an earnest effort to close the account to no success and I am hopeful that the CFPB can help close the account and put an end to this drawn out process.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

XXXX XXXX XXXX contacted us about monies supposedly owed to other creditors. We indicated, at the time of the initial call, that some of the monies were indeed owed, but not all. XXXX failed to provide proof of what they were attempting to collect. We offered a settlement offer, based on what we felt we owed, to clear it up, but they refused to be reasonable. Not only did they refuse our attempts to settle, but they continued calling us even after we told them to stop. Calls came in before XXXX our local time, and after XXXX. They just wouldn't stop. We've even took several of their illegal phone calls just to try and settle the account. They wouldn't budge, and just continue to call. This is harassment. They've now filed a lawsuit, and continue to call, even though we've told them to stop.
Complaint sub-issue: Debt is not yours

I don't own this debt nor do I know what this debt comes from. I haven't come into any financial obligations with IC SYSTEM. I dont have any contracts or debts with IC SYSTEM
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Credit Reporting Act XXXX Account reported by XXXX XXXX XXXX reported for the months of XX/XX/2018 has violated my rights per 15 USC 1681 Section 602, which states I have a right to privacy. 15 USC 1681 section 604 A, section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B states a creditor may not treat a payment on auto loan account under an open end consumer credit plan as late for any purpose.