Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

My name is XXXX XXXX and i served VIA CERTIFIED MAIL AN AFFIDAVIT OF TRUTH stating facts of 6 FEDERAL VIOLATIONS committed against me by IC System, along with a exhibits page pointing out the violations against me ( the Consumer ) under 15 Usc 1692, a Cease And Desist Letter and DEMANDING MY REMEDY AS PURSUANT 15 USC 1692c ( c ) ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; Im Demanding for IC SYSTEM TO PAY THE ATTACHED INVOICE FOR VIOLATING MY FEDERAL RIGHTS AS A CONSUMER, XXXX OUT THE ACCOUT AND DELETION FROM ALL CONSUMER REPORTS IMMEDIATELY. 

IC SYSTEM received this documents NOTARIZED AND COMPLETE ON XX/XX/XXXX AT XXXX XXXX  and i will ATTACHED THEM TO THIS COMPLAINT AGAIN. 

IF I DO NOT GET MY INVOKE REMEDY COMPLETE I WILL TAKE THIS COMPLAINT AND THE FIRST COMPLAINT SUBMITTED ALONG WITH THE RECORDED CONVERSATIONS FROM THE IC SYSTEM REPRESENTATIVES I SPOKE WITH AND CONSUMER AFFAIRS SUPERVISOR IN WHICH THEY STATED THAT THEY WILL NOT INVOKE MY REMEDY AND WILL NOT COMPLETE THE DEMANDS INCLUDING THE PAYMENT FOR THE INVOICE AND PROCEED WITH LEGAL ACTION FOR FAILING TO COMPLY FOR THE FEDERAL VIOLATIONS COMITTED AGAINST ME AND DEFAMATION OF CHARACTER.
Complaint sub-issue: Investigation took more than 30 days

Submitted a credit report entry dispute related to XXXX Complaint XXXX ( XXXX XXXX XXXX ) to Equifax by letter dated XX/XX/2020 stating that the debt collection company failed to provide, and has admitted they can not provide, the legally required " Validation '' information to support their claim. The letter incorporated CFPB example letter text, plus known federal/state law requirement criteria. All communications to and from the debt collection company were included in the information submitted to Equifax. 

As of this date, XX/XX/2020, Eqifax has never replied with a response ( 82 days ).
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX  days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Problem with statement of dispute

I have been disputing a fraudulent Judgment and Collection account that I am not liable for on my Equifax credit file since XXXX XXXX, 2016 as they are in violation of the FDCPA. I have provided Equifax with all documentation supporting my dispute and they refuse to properly investigate and update my credit file accordingly by deleting these items.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting a fraudulent account. I have disputed this account for identity theft. XXXX used my personal information to formulate a fraudulent debt. I have no current relationship with XXXX. FTC outlines identity theft as when a person or business uses your information for illegal purposes. I have requested NUMEROUS investigations on this account and I have not received ANY documentation from the credit bureaus in regards to this fraudulent debt. According to the FCRA laws, a consumer ( me ) has the right to request how the debt was validated with the credit bureaus. XXXX deleted the account and Equifax has yet to follow suit, however are governed by the same laws. 
XXXX is paying Equifax good money in exchange to reporting inaccurate fraudulent accounts.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Complaint sub-issue: Debt is not yours

My rights has been violated and described in the affidavit thats attached. I have received numerous phone calls and letters in the mail about a debt that this company is attempting to collect. It has been reported on my credit report since XX/XX/2021. I have also received multiple phone calls after informing them to stop. That is another violation. My most recent phone call from them was on XX/XX/2021 at XXXX XXXX XXXX XXXX time.
Complaint sub-issue: Threatened to sue you for very old debt

Received letter in mail on XX/XX/2019 from XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX attempting to collect an old debt that I was never aware of and not notified of in the past from XXXX XXXX for {$360.00}. Letter states that because of age of debt I can not be sued but debt can be renewed and I can be sued if I promise to pay or make any kind of payments. I feel like they threaten me by stating that I should determine the effect of any actions taken on this debt. They follow up with a 30 day notice to dispute or consider this OLD and UNKNOWN debt valide. Reference number on letter is XXXX.
Complaint sub-issue: Problem getting my free annual report

I Try to get my free credit report for Equifax It tells me all the time I can only request it by mail and not online because they ca n't identify me online. 
This is very strange because Equifax lets me purchase for money my report on their website and they identify me perfectly, but when I try to get a free copy it never identifies me. 
I just feel that because it 's free they make it hard for me to get it, but when I pay for it, it works perfectly fine.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX is reporting my balance as {$44000.00} when it is only {$24000.00}.
Complaint sub-issue: Information belongs to someone else

My personal information has been compromised, I have did a FTC report as well as reported it to my local police. I have filed multiple disputes with all 3 credit reporting agencies with no relief. I have requested copies of the validation documents used to validate these accounts with no response. I am seeking some relief and accountability in this situation.
Complaint sub-issue: Information belongs to someone else

The Credit Bureaus are reporting erroneous information on my credit file
Complaint sub-issue: Their investigation did not fix an error on your report

I am filing this complaint as the XXXX credit bureaus have violated my FCRA right, fair debt collection practices act and Fair credit and billing act. I have requested a full validation under these three laws for this account name here by certified on XXXX XXXX, 2021 and have not heard back from anyone. These are the disputed accounts XXXX XXXX XXXX Account number XXXX I wish to see the following information related to this account such as what right does the company have to collect and to request them to stop calling until a full investigation is taken. If they can't comply as requested, please remove this account from my XXXX credit report. Please direct them to conduct proper investigation and not purchase my data from 3rd party vendors such as XXXX XXXX or XXXX. I am in the process of filing a complaint to FTC and DOJ for these violations.
Complaint sub-issue: Account information incorrect

I was incarcerated from XXXX XXXX Ive reached out to the credit company to get my information corrected and fraudulent information removed yet no one has done anything to help me there is also a deceased indicator on my file that Ive also asked to be removed
Complaint sub-issue: Trouble with how payments are being handled

On XX/XX/2020, my student loan servicer notified me that payments for my loan were temporarily suspended due to legislative action effective XX/XX/2020. The servicer collected payment from my bank account on XX/XX/2020 after the effective date of payment submission but, before they notified me that payment was not required. On XX/XX/2020, I requested by electronic message on their website that they refund the {$450.00} payment that they collected on XX/XX/2020. They did not respond to this request. I made a second request for refund on XX/XX/2020 by written letter. The servicer responded on XX/XX/2020 with a form letter denying my " credit dispute. '' I did not make a credit dispute but, I assume the servicer 's intent was to deny the refund that I requested in my letter of XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Someone managed to open a card using my information. Once I discovered the issue monitoring my credit I begin the dispute process with both the company and Equifax. 
Equifax did not speak with me or ask any specifics around the fruad and deemed the account legitimate and stopped investigation. 

The problem now lingers and my credit is being effected as a result of a improper investigation.
Complaint sub-issue: Reporting company used your report improperly

I the consumer sent Equifax a affidavit about items on my report without my permission. 

Title 15 1681a ( 2 ) ( b ) and 15 1681a ( 2 ) ( c ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer
Complaint sub-issue: Billing problem

Per the company ( CARMAX AUTO FINANCE ) statement my monthly payment is considered overdue but there is a period of time I have between my due date and the next bill being generated that I can pay the bill and any late fees applied where it wont hit my credit or go into collections. I called them and notified them that the payment would be late yet they persisted to call me EVERY DAY LAST WEEK before I finally called them and applied a payment as I had finally been paid. I have told them to stop calling me incessantly especially since I ALWAYS call them to let them know Ill be late if thats the case. I want them to be blocked from calling me especially since I have been diligent in paying them no matter what.
Complaint sub-issue: Account information incorrect

To Whom It May Concern : I am writing to file a complaint against XXXX Equifax and the XXXX XXXX XXXX XXXX.
I have filed a credit dispute over inaccurate information listed on my credit report, because I am in the process of applying for a home loan. I have waited over 30 days and tried to give XXXX a chance to resolve this issue. I filed a re-investigation, and still to no avail XXXX and the XXXX XXXX XXXX XXXX has chosen to violate and ignore the statutes of the Fair Credit Reporting Act, along with the Fair Debt Collections Practices Act. I have duplicate accounts being reported by the XXXX XXXX XXXX XXXX with incorrect amounts listed. I asked for my investigations to include validation to ensure the accuracy of information listed. I have legal documentation of my attempts to have inaccurate and false information removed. It has now been close to 90 days where fraudulent inaccurate information, has been publicly shown after my intial dispute. These same accounts have been sold previously with new contracts created. So why have these particular accounts been opened and closed continuously adding additional funds and inaccurate information? I the consumer have had to pay for these discrepencies, by being halted from moving forward with my home buying process. Even though I was told that I would get this accurate validated information presented to me by mail within 30 days. I have received nothing. I am requesting that the incorrect and unvalidated information be removed from my credit report, in accordance with the provisions provided to me by the Fair Credit Reporting Act 616 ( a ) [ 15 USC 1681n ].
Thank you for your assistance.
Complaint sub-issue: Didn't receive enough information to verify debt

I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/2017 known as XXXX v. XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to XXXX XXXX in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a 10Q filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act, Code 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly 10Q SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.
Complaint sub-issue: Indicated you were committing crime by not paying debt

On XX/XX/2018 I sent an email to the support department of moneylion requesting that I wanted to revoke my ach authorization for my account. On XX/XX/2018 I received an email stating that the authorization for my loan amount would be revoked but my authorization for my membership would not be until I paid the loan off. I repeatedly asked them to revoke the authorization and each email they declined. I then called customer service and spoke to someone there and the rep there told me that they had taken the authorization off the loan and the membership. I then saw on my bank account a debit for the amount. I called moneylion back and spoke to a gentleman name " XXXX '' and he informed me that they did not take it off for the membership agreement. That no law could stop them. This is after I had called multiple times stating that I never agreed to this " membership fee '' to began with. It's false representation!! I have already paid this loan off.
Complaint sub-issue: Information belongs to someone else

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX   Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Account Number : XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 US C 1681 section 602 states I have the right to privacy. 15 US C 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 US C 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

Original loan was in XXXX. GCFS, Inc.has continually called my place of employment, family members, non-family, acquaintances stating that I have a warrant. The police are coming right now you better get her on the phone. They called my work, XXXX XXXX XXXX XXXX starting in XXXX and continue to call presently. They called them on several occasions all day telling my employer I was a criminal and the police are coming. I had to prove to my employer I was not with court documents. They continue to call to this day and I do n't work there, I paid off what was agreed with XXXX XXXX in XXXX. On top of all of this illegal action they are trying to sue me again. This judgement was to be released which it was, now I get a letter saying I owe XXXX. I called the court and she said they re-filed. How is this even legal. I have multiple witnesses of this illegal action which almost cost me my employment and continues today.
Complaint sub-issue: Didn't receive enough information to verify debt

According to my credit report on XXXX, based on my XXXX  credit report, I opened an account on XX/XX/2018 with this creditor. I am quite certain that is NOT accurate. Aside from that, the creditor known as CITIBANK has placed my account in collections. Their action has negatively affected my credit report/score with Derogatory Marks. They are stating that my account has been sent to collections, however, I was never notified about this account and never received a bill. I'd like to address this IMMEDIATELY and get this negative remark removed from my report.
Complaint sub-issue: Threatened to sue you for very old debt

I have received threading phone calls at work and home from a XXXX XXXX about a payday loan. That was paid in full from a debt collection agency. Ms. XXXX told me she worked with XXXX XXXX who was an attorney. Her number is ( XXXX ) XXXX. I forwarded the proof of the account being paid in full and she told me that it was fraudulent. I could have more than one account taken out. She went back and forth with me on email and Called me back when I refused to give her any more information. She hung up on me and when I called her back from another number she answered with a different greeting. The email is XXXX and the email came from another person named XXXX XXXX. She called my phone and hung up when I told her to proceed with serving me papers. There was no signature on her email and she wouldnt tell me that she worked for XXXX   XXXX just attorney XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as LATE on my credit report which has affected every aspect of my life negatively. 

Reason : My bank rejected the payments, but as the documentation shows I was a victim of Identity Theft and as an error they rejected it. They have requested XXXX to remove this because this is not my fault. I don't have control with what happens with the banks.
Complaint sub-issue: Debt was result of identity theft

Ive been a victim of identity tiff someone got hold of my information and used my cards I did contact the company and they told me they would take care of it, but still they want me to pay and now its on my credit report negative
Complaint sub-issue: Their investigation did not fix an error on your report

I have XXXX XXXX  XXXX and Private insurance insurance thru XXXX on my mothers policy however XXXX XXXX is reporting a medical bill in the amount of {$610.00} pastdue. The Date Updated was done on XX/XX/XXXX just because I called and asked about the account. The Last payment made was listed as Last Payment XXXX XX/XX/XXXX however they claim the account was opened on XX/XX/XXXX which means that this account was opened after the last payment was made which makes no sense. Also, the are listing the High Balance of {$440.00} but the past due amount of {$620.00}. XXXX XXXX has placed this item on all 3 of my credit reports and refuse to remove the account even though they never attempted to bill my insurance company. 

Original Creditor XXXX XXXX Past Due {$620.00}
Complaint sub-issue: Reporting company used your report improperly

I am XXXX XXXX. I am submitting this complaint myself and there is no third party involved. I do not agree with the companys response. I, the consumer, natural person, and original creditor, have a credit card, pursuant to 15 U.S. Code 1602 ( l ) and 12 CFR 1026.2 ( a ) ( 15 ) ( i ), that was used without my consent. If I received goods or services, have a senior executive certify under the penalty of perjury I in fact received goods or services as a result of these transactions in regards to FCRA 605B, 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( c ). Otherwise, I want these accounts deleted. I never told EQUIFAX or anyone to furnish anything on my consumer report. That is a violation according to 15 U.S. Code 1681b ( a ) ( 2 ), FCRA 604 ( a ) ( 2 ) permissible purposes of consumer reports. Furthermore, I am demanding compensation for the damages caused by the other accounts and inquiries. A deletion is admission. EQUIFAX is civilly liable for willful noncompliance according to 15 U.S. Code 1681n ( b ), FCRA 616. I am attaching documentary evidence and an invoice. EQUIFAX have 30 days to mail my check.
Complaint sub-issue: Problem with fees

Item purchased on a credit was due for full payment in 18 months. However, the full purchase price was paid in six months. Best Buy Credit Cards claims that payment was made too soon in between due dates, therefore late fee is due. I do not believe I owe this company any late fees. They keep Harassing me for late fees. They need to be looked into.
Complaint sub-issue: Information belongs to someone else

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. 

I will also file with the CFPB and FTC! This is unacceptable! 


Please remove these fraudulent account asap!
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XX/XX/XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XX/XX/XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )