Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/XXXX I reached out to the company I C Systems to Request a cease and desist On attempted collection of debt from XXXX because it is past statute of limitations for the state of Florida. Florida Statues State that the statue of limitation on store debt is 4 years - FL STATUTE 95.11.3 ( k ). Torte law calculates that the limitation is computed from the last date of activity on the account not the collections date. The account was from XXXX last date of activity was XXXX. After expressing my request for a cease and desist based on law I was placed on hold for more than 15 minutes. Eventually they returned and told me that they would not stop attempted collection and that if I wanted to put the debt on a payment plan I could. I informed them that they are violating Florida law by attempting to do that and was told that they do not practice law and that if they were violating the Florida statutes they wouldnt be trying to collect the debt. I have attempted to resolve this issue with XXXX directly however they have been acquired by XXXX and I was informed that I therefore have to dispute the debt with the collections company.
Complaint sub-issue: No notice of investigation status/result

Initially I disputed items on my credit report, which came back as verified. I believe that the investigation is questionable.
Complaint sub-issue: Debt was paid

After the car was returned to Volkswagen back in 2012 we received a letter stating that we owned nothing on the account at all. We have no idea why we are receiving collection attempts on a fraudulent amount and we would like for this to stop immediately.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/XXXX I received a letter from ERC ( XXXX XXXX XXXX ) which claimed that I owed {$850.00}. 

On XX/XX/XXXX I mailed a letter requesting validation ( not verification ) and requested the following : Explain and show what the debt is for specifically ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and registered agent ERC ( XXXX XXXX XXXX ) did not respond with the requested information as required by the State of California. 

On XX/XX/XXXX ERC ( XXXX XXXX XXXX ) reported a collection account on my XXXX credit report the same day they sent the debt collection notice. 

ERC ( XXXX XXXX XXXX ) did not allow the required 30 days for validation ( not verification ). 

On XX/XX/XXXX ERC ( XXXX XXXX XXXX ) updated the collections account. 

ERC ( XXXX XXXX XXXX ) violated the Federal Validation Notice [ 15 U.S. Code 1692 ] and Fair Credit Reporting Act [ 15 U.S.C. 1681 ]. 

Beginning XX/XX/XXXX the per violation penalty increased from {$3500.00} to {$3700.00}. 

No debt collection company should operate above the law. Therefore I have submitted this complaint for investigation.
Complaint sub-issue: Debt was paid

I have tendered the payment as of XX/XX/2019. THey have destroyed deleted and or alleged payment went missing. THey also claim that payment was not received when I have proof of service from the XXXX with a signature from their agent named XXXX XXXX. On two occasions this agent on behalf of USBANK signed for this payment. Please see attachments for more details.
Complaint sub-issue: Information belongs to someone else

PLEASE SEE ATTACHED. THIRD LETTER TO EACH AGENCY. IM TIRED OF THE RUN AROUND AND BEING TOLD MY DISPUTES AND CLAIMS HAVEN'T BEEN RECEIVED. IM TIRED OF SPEAKING TO REPS IN XXXX WHO I HAVE TO EXPLAIN EVERYTHING FROM SCRATCH EVERY TIME IM TRANSFERRED. THIS PERSONAL AND SENSITIVE INFORMATION SHOULDNT BE OUTSOURCED SO FREELY.
Complaint sub-issue: Trouble with how payments are being handled

Fedloan performed a processing error ( regarding submission of my income for determining payment amount ) in XX/XX/XXXXand I have been working to get it resolved since that time. After numerous calls to Fedloan without resolution of the issue, I submitted a complaint to the CFPB on XX/XX/XXXX. I received a response from FedLoan on XX/XX/XXXX which acknowledged their error and reported a reversal of the interest capitalization would be reflected on my account within 60 days. Now 87 days have passed ( including 60 business days ) and there has been no reversal of the interest capitalization on my account. I called Fedloan and they are unable to tell me when the interest capitalization will be reversed.
Complaint sub-issue: Account status incorrect

I have contacted this company repeatedly to advise the car was purchased back and paid for by the dealership XXXX XXXX XXXX and the funds for the vehicle were cashed in XXXX and the remaining balance was sent and cashed by the company on XXXX XXXX, XXXX. They have now falsely reported to my credit a late payment to a car I have not had in over 6 months and in their system their last payment of record is XXXX which is incorrect. They have made my credit drop 51 points!!!! I even gave authorization for the dealership to contact the lender to provide the check number amount and confirmation of the check being cashed. This is not fair to me or my family!!
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 Account # XXXX, XXXX Acc # 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 an 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.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

For the last two to three months I have been getting phone calls from CITIBanks office in XXXX, Telling me that IF do not pay them {$2000.00} they are going to put me in jail, take my home, and take my XXXX and XXXX checks!!!!! And they would also take faimly member to court and put them in jail! 

Starting in XX/XX/XXXX after CITIBank added 0s to my check that I sent them, changing them {$50.00} to {$500.00} and started moving funds in and out of my account to one of their fake accounts. I canceled their Credit card And paid them OFF! 

According to CITIBank in XX/XX/XXXX I was not a crad holder and there for did not get paid damages that they agreed to pay! Consumer Financial Protection Bureau ( CFPB ) Administrative Proceeding File No. XXXX,! 

In XX/XX/XXXX and XX/XX/XXXX I started getting calls for CITIBanks XXXX office demanding {$2000.00} OR they would put my in jail! They stop after I receive a latter from the local court! Cast No. XXXX. I paid CITIBank what I own them, BUT not the money that the illegally charged my CANCELED account from XX/XX/XXXXto when CFPB stop them in XX/XX/XXXX.
Complaint sub-issue: Threatened to sue you for very old debt

I have been making monthly payments to them, when I called to set up another payment with  Credit Collections Bureau,   XXXX  said I have legal paperwork for this but then took my payment. I have had a different situation with this company where they tried to sue me for someone else 's debt and we were going to court on this and they dismissed it. I have not been notified of such lawsuit against me as well as the first initial letter they sent me to give me my 30 days to validate the debt had they would take legal action on me as well, again another FDCPA violation.
Complaint sub-issue: Didn't receive enough information to verify debt

I pulled my credit report and discovered these accounts as collections on my credit report. I sent a written dispute requesting validation of my debt to you and all three bureaus., not validation of my address. I did not receive a response to what I have requested and then you marked this account as closed. I have included a copy of what I have sent to you and the Credit Bereaus. If you can not provide all of the information below you are by law required to delete all entries off my credit reportsASAP.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the 3 credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Complaint sub-issue: Account status

FHA Loan-short sale, FHA requires that I am late on my mortgage payment to be considered for a short sale. 
Due to medical issues, job change and increase in expenses ( due to medical issues ) our family experienced a hardship and was forced into a short sale and in order to be considered for a short sale FHA requires us to be late on mortgage payment please see attached FHA bulletin stating it is a requirement to be late on my mortgage payment. I am unable to secure a loan now when my family is more financially viable. I am being discriminated against due to a government requirement to be late on my payments. It is imperative we are able to secure a new loan to move forward with our lives and maintain a standard of living after going through a hardship.
Complaint sub-issue: Information belongs to someone else

The Credit Bureaus had not responded to my repeated requests for them to fix my credit file by totally erasing the items brought about by the theft of my identity. The letter I sent on XX/XX/XXXX to the Credit Bureaus was already my 11th written appeal to the Credit Bureaus for them to take action and correct my Credit File. When I sent a copy of the FTC report, it was made clear that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending my complaint to help with organizing a legal response. I will give my records to my lawyer to start a legal action if the Credit Bureaus decide not to stop the other items listed below that are responding incorrectly due to fraud. If it's not too much difficulty, abide by the law because it's my intention to not pursue any legal activities. I need the following items removed now : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX 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 XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance {$6200.00} - XXXX XXXX Balance $ XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} Date opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance {$15000.00} XXXX XXXX XXXXXXXX Balance {$19000.00} XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX Balance {$0.00XXXX XXXX XXXX Balance - XXXX XXXX  XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6500.00} XXXXXXXX XXXX XXXX Balance {$9700.00} XXXXXXXX XXXX XXXX Balance {$3200.00} XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX  XXXX Balance $ - XXXX XXXX  XXXX Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Balance {$3700.00}
Complaint sub-issue: Was not notified of investigation status or results

The credit bureaus are not responding to my letter I sent and I've sent multiple letters to them. On XXXX I sent a letter to the credit bureaus because there inaccurate information and items on there that i'm not familiar with and its past 60 days and I've yet to receive a response. I know due to covid there may be some delay but there is no way it should take this long. I found out that their failure to investigate the items within a specific time period ( 30 days ) to research and respond per Section 611 ( a ). It has been over 60 days they should be deleted from my credit report. I recently pulled my report and saw the inaccurate information and it is crazy that they are not responding. This is stressing me out and I'm hoping you can help so i don't have to file for litigation because their failure to respond. My information may be used by someone due to the equifax data breach. Please help me get a response.
Complaint sub-issue: Deposits and withdrawals

I received a response to my original complaint against EastWest bank. I contacted XXXX XXXX XXXX at the email he provided me. I emailed the fraudulent wire transfer transaction XXXX XXXX/EastWest couldn't find. I did NOT receive any communication back from XXXX XXXX. 

I finally have a point of contact with XXXX executive office/wire transfer fraud department . They issued a recall of this wire transfer on XX/XX/2022 no response from East/West Bank XXXX XXXX executive office XXXX XXXX The fraudulent wire transfers were made minutes apart from the same routing number at EastWest bank XXXX XXXX I did receive one of the recalled wire transfers back. To date still have NOT received the {$19000.00} made by a XXXX XXXX I am attaching email and the wire transfer transaction detailed information... again. 

I am obviously doing this whole investigation mostly alone, as both involved banks have yet to be able to resolve. 
Have either of these wire transfer frauds/parties been employed by EastWest bank ? ? At this point I have lost faith that either bank and their so called " fraud protection '' of their consumers is a joke.
Complaint sub-issue: Their investigation did not fix an error on your report

The company XXXX XXXX XXXX is attempting to collect a debt in violation of consumer protection laws. As they have failed to contact me to dispute any such debt or have notified me of any such verification that any debt exists. On XX/XX/2021 a dispute through XXXX # XXXX, this account was deleted. Please view the two different original lender amounts which have been reported in error. A verification for the original copy of a requested contract has never been forwarded. As there is no such contract. Please delete from all three credit reporting agencies.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USED MY IDENTITY TO OPEN THESE ACCOUNTS I DID NOT OPEN THESE ACCOUNTS NOR WAS I AWARE OF SOMEONE USING MY IDENTITY I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX   CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Investigation took more than 30 days

Back on XX/XX/XXXX I sent a letter to Equifax disputing inaccuracies on my credit report. I still haven't received any notification. I also sent in a comply letter in hopes of an update but to no avail I didn't get a response.
Complaint sub-issue: Didn't receive enough information to verify debt

I noticed a derogatory notice on a credit monitoring service. The bureau listed is Hunter Warfield ostensibly representing XXXX XXXX Apartments seeking a debt payment of {$100.00}. I did live at XXXX XXXX at one time. However, I have not received written correspondence ( mail or email ) explaining the demand for payment from either XXXX XXXX or the debt collection agency Hunter Warfield. Moreover, I have not received a phone call either. I have all mail forwarded from my previous address and my phone number has not changed. I don't believe it is a fair practice to file against someone's credit without notifying and explaining the demand for payment. I had no opportunity to dispute the payment request.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are hard inquiries on my credit report that I did not make. I have bad credit already and I know that applying for things aren't in my best interest. I need these inquiries that I did not make to be removed off my credit report.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX XX/XX/2022 Dear Equifax, I, XXXX XXXX consumer and natural person are aware of all rights I have and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Complaint sub-issue: Account information incorrect

EQUIFAX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 

ADDRESSES REPORTED : XXXX XXXX XXXX XXXX XXXX, LA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) XXXX XXXX XXXX XXXX, CA XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Original creditor name : XXXX XXXX XXXX ( Reason for investigation : Inaccurate Information, Please Un-verify & delete this information )
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act These accounts have violated my rights : *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *XXXX  XXXX *XXXX  XXXX 15 USC 1681 section 602a states i have the right to privacy & 15 USC 1681 Section 604a section 2 also states a consumer reporting agency can not furnish a account without my written instuctions
Complaint sub-issue: Debt is not mine

Trying to collect a debt for XXXX XXXX account which I successfully challenged back in 2013. XXXX attempted to collect a debt but was actually revealed to have over billed me and ended up sending a refund payment of XXXX dollars to me in this matter. This is a bogus debt.
Complaint sub-issue: Trouble with how payments are being handled

I have written the organization more than 4 times for assistance. I followed CFPB guidelines on how payments should be  processed ( there is a sample letter from your organization instructions for payments be made on the highest loan first ). At first I was told it would take time to process but after months I called to file a complaint. I then was told it had been corrected. My most re cent payment was still processed incorrectly
Complaint sub-issue: Information is not mine

I HAVE NEVER HAD A " TIMESHARE '' WITH ANY COMPANY- I HAVE DISPUTED WITH EQUIFAX SEVERAL TIMES IN REFERENCE TO A COMPANY NAMED XXXX XXXX XXXX THAT HAS MY SOCIAL AND IS REPORTING AN ACCOUNT THAT DOES NOT BELONG TO ME. I HAVE FILED A POLICE REPORT AND THEY REFUSE TO COMPLY WITH THE AUTHORITIES.
Complaint sub-issue: Banking errors

An ACH transfer was accepted by LendingClub XXXX XXXX.on XX/XX/21 but the funds have not been deposited into my account as of XX/XX/21. 

I have reached out to them and they will not deposit the funds, saying they can not track them down, I have documentation showing the ACH transfer was accepted. 

Now they are not accepting my phone calls and I can not speak to anyone to get a resolution to this matter.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

I got served a Summons from the Attorneys of JOHNSON MARK LLC about a debt that I owed to XXXX XXXX XXXX.

I sent them a debt verification letter in return and received a reply. 
In Utah, you have to be registered and licensed as a debt collector in order to try and collect on a debt. When I called the office of JOHNSON MARK LLC, I asked the gentleman I spoke to if I could have their professional license number so I could verify if they were licensed to be a debt collector. He claimed to not know where he could find this information, and I would have to do so on my own. 
I called the Utah Division of Commerce, Consumer Protection and found out that while JOHNSON MARK LLC is a legal law office, they are in no way registered or licensed to be debt collectors, so have no legal right to try and collect on my owed debt.
Complaint sub-issue: Trouble with how payments are being handled

I consolidated my XXXX XXXX loans in XX/XX/2011. The total number of eligible payments is incorrect. I should be close to 120 eligible payments, but they have me listed at less than that. The loans were serviced through XXXX XXXX and XXXX XXXX and are now with FedLoans.