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

On XX/XX/XXXX I sent a letter to IC Sytem asking them to provide me with validation of the debt they are attempting to collect. I asked that they provide me with the agreement showing that the client grants them the authority to collect the alleged debt, an agreement that bears the signature of the alleged debtor where they agreed to pay the creditor, name and address of the alleged creditor, amount of the alleged debt, verification that the debt was assigned or sold to a collector, complete accounting of the alleged debt and the name and address of the binding agent in case legal action becomes necessary. 

The letter was sent by certified mail and per USPS it shows delivered on XX/XX/XXXX. ( The tracking number is XXXX ). As of today, XX/XX/XXXX, I have not received any sort of reply to my request for validation. From my understanding the company must immediately delete the reporting of this alleged debt to the three credit bureaus as they did not comply with my rights.
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Im currently XXXX  XXXX  military and informed carmax that I wished to utilize my XXXX benefit and terminate my auto loan and no longer be indebted to Carmax auto finance. Ive served them with a notice of termination and have to tried to get them to terminate my loan but they keep telling me thats its not possible and I can only voluntary surrender the vehicle and they auction the car and I pay the remaining balance which is not what I needed done. They dont want me to terminate my loan even though its a clear right stipulated by XXXX  law
Complaint sub-issue: Debt was result of identity theft

In the months of XXXX and XXXX of last year Ive reported this fraudulent account to XXXX and the FTC only to find out it has reappeared but with a different creditor. Ive had XXXX delete it from my report.
Complaint sub-issue: Their investigation did not fix an error on your report

File dispute with XXXX XX/XX/XXXX Contacted Wayfair XX/XX/XXXX Contacted XXXX XX/XX/XXXX Derogatory reporting of past due account made purchase via XXXX promotional offer ... ... Payment XX/XX/XXXX days same as cash ... .payment was made within this timeframe. Payment was not late. Bill for item was deem cash payment within 30 days
Complaint sub-issue: Problem with statement of dispute

XXXX XXXX has the same account reporting twice on my credit report they both have a credit limit of {$180000.00} with a open date of XXXX 2008. I have contacted all XXXX credit Bureaus asking that they please remove these duplicate accounts but they keep responding verified. How is it possible for me to have XXXX accounts opened on the same date for the same amount? I want these duplicate accounts removed from my credit reports please.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$5900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$49000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$47000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Public record information inaccurate

Ive received my most current lexis nexis report dated XX/XX/2022. 

THERE ARE XXXX BANKRUPTCIES IN MY REPORT. 

THE CREDIT BUREAU KEEPS SHOWING THERE IS XXXX. 

THIS NEEDS TO BE FIXED IMMEDIATELY. 

Ive already attached the report to my complaint I have with the XXXX Attorney XXXX XXXX Thanks
Complaint sub-issue: Account information incorrect

On XX/XX/2016. I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My loan was through XXXX XXXX. I went in did my paper work on the car they showed me and that I test drove everything went well. I left off the car lot Happy, I drove the XXXX XXXX XXXX XXXX for two weeks, and the dealership called me after two weeks  on Wed, XX/XX/XXXX, @ XXXX to tell me that I had the wrong vehicle, They stated that the paperwork on the vehicle that I had Vin number did not match the paperwork I signed. That I need to get the vehicle back ASAP they have giving me the wrong vehicle. When I got back to the dealership, the vehicle they tried to give me, I did not want, so I left it there, but its still on my credit report and I can not seem to get it off my report. I also have a text message that the dealer sent me telling me that I need to call them ASAP.
Complaint sub-issue: Was not notified of investigation status or results

I started disputing my Bankruptcy on XX/XX/XXXX. At that time, none of the bureaus responded out or deleted the account. I sent another dispute on XX/XX/XXXX ; XX/XX/XXXX and again today XX/XX/XXXX. During this timeframe, the bureaus have never sent me anything of them validating the bankruptcy nor have they deleted it from my personal credit report!
Complaint sub-issue: Frequent or repeated calls

repeated phone calls by computer. I would answer phone and no one would be on the line, I would have phone calls in my voicemail that no one left a message. All the calls were identified by my caller ID so I know what one 's were from the same company. after a month or 2 of this I received a letter demanding payment for a debt I didn't owe. The next time the number showed up I would answer and no one would answer when I answer the phone finally today I just stayed on the line until someone finally came on it took a while but after getting company online they said I owed money to it was confirmed that I didn't owe any money. I felt harassed by their computer calls that I kept answering when there was no one on the phone or no message on my voicemail. This could have been solved with the first call if it had been a person calling me and not a computer
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Enhanced Recovery is reporting inaccurately on my credit report for one they are collecting and report a DUPLICATED debt on my report ... They are also in violation of the bankruptcy automatic stay as the debts were included in a discharged bankruptcy yet they are still reporting balances and updating monthly.
Complaint sub-issue: Information belongs to someone else

Fraudulent account identity theft XXXX XXXX XXXX Open XX/XX/17 Amount XXXX
Complaint sub-issue: Attempted to collect wrong amount

Several months ago a collection agency named IC System contacted me about a debt with XXXX. The address of the service was XXXX XXXX XXXX in XXXX, North Dakota. I have never lived at this address and disputed it through XXXX. All they replied is that IC System has confirmed the debt as good. You can look up anything about my history and never has the address XXXX XXXX XXXX has never been a place where I have resided.
Complaint sub-issue: Their investigation did not fix an error on your report

I have hard credit inquiries on my credit report that I didnt authorize. I need ALL of them removed since I was a victim of identity theft ; 15 U.S.C 1681G Law violation.
Complaint sub-issue: Threatened to sue you for very old debt

The company of Vance and Huffman have bought a debt that is well passed to time able to sue. They reported it to my credit with an incorrect date and made it look like it was a new collection not one from XXXX. Also the company to which this debt belonged to is no longer in business, Dissolved in XXXX but no activity since XXXX. The company reported to my file that the collection was opened in XXXX but wasn't reported until XX/XX/XXXX. This company has also called my wife 's cell phone which was not on the loan along with my mother 's cell phone and my brother 's cell phone. In all these call they threatened to sue. It is my understanding that they can threatened something they can not do.
Complaint sub-issue: Debt was result of identity theft

This account was unauthorized. I am a victim of identity theft.
Complaint sub-issue: Account status incorrect

I reported that I was never late to credit bureaus and they have not updated this to show in their system.
Complaint sub-issue: Problem with rewards from credit card

I have a Citi XXXX XXXX XXXX account which I used regularly and paid on time every cycle. 

On XX/XX/2021 my account was closed by the bank which I did not ask. 

I have {$3000.00} of cash rewards on the account which I verified over the Citi automatic voice phone call system ( Citi online account system refused to show any details of the account ). However, after the account was closed involuntarily, I contacted Citi but was told that I'm not able to redeem any of my rewards from the account. 

I absolutely believe it does not make any sense that my reward cash is not redeemable to me. The rewards were earned through actual purchases and payments by myself. Citi closed my account without any prior notification thus I can not possibly know when to redeem the rewards before account closing. And immediately after the account was closed the rewards cash is not redeemable, even though the phone record shows {$3000.00} rewards on the account. 

I need the company to provide reasons of closing the account and enable the redemption of my rewards cash.
Complaint sub-issue: Was not notified of investigation status or results

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 40 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 30 days is a reason to remove those things off my credit report immediately. It has been over 40 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing to dispute the following items which I believe appearing to be erroneous in my file. These items are having a negative effect on my credit score. Therefore it needs to be verified and updated. 

XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX XXXX Open Date : XXXX XXXX, XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}. 

Also, I would like to request your verification of the aforementioned items. If you can not prove the accounts information to be 100 % precise, please correct or update them right away.
Complaint sub-issue: Information belongs to someone else

Hi I've requested an accurate dispute to be investigated regarding several accounts I'm unaware of on my reports. I haven't been able to get this resolved and information or proof hasn't been sent to me from the said creditors showing the validation of these accounts.
Complaint sub-issue: Account information incorrect

My accounts were showing 30 to 60 days late in XXXX and XXXX. Due to XXXX and XXXX, I was informed by creditor that late fees and payments were being waived and credit back to me. Accounts still shows 30 to 60 days late. The following accounts are : XXXX XXXX  : XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX  XXXX, Other Cards : XXXX, XXXX XXXX, XXXX XXXX  late payment in XX/XX/2019 has been removed and credited.
Complaint sub-issue: Account status incorrect

I made my XXXX payment on time in person with cash via XXXX XXXX and this company could not locate my payment. I have my receipt of this payment. Due to the company not being able to assist me with locating this payment I requested for my account to be closed. Now this company is reporting that I was 30 days late in XX/XX/2020 when my account with this company was closed in XX/XX/2020.
Complaint sub-issue: Banking errors

Since opening my account with CitiBank N.A. I have had nothing but issues, First, I was told I could Not have a debit card because the account was too new, but instead could have an ATM card to access cash when I needed it. 3 days later I got a debit card ... Now this morning XX/XX/XXXX I log into my online account to check my direct deposit and current balance, and Im XXXX short compared to what I should have in my account. When I called Citi Priority to ask what is going on, I was told I was overdrawn. I went to sleep last night with a positive balance, and managed to spend money while I was asleep ... asked for a supervisor who said that in " Overnight processing our system gets a little crazy and that is not your accurate balance '' I work for a bank ... ..And I have never EVER heard a representative openly tell a customer this.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, CHILDSUPPORT XXXX, and XXXX XXXX XXXX have 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.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have tried to submit a dispute with the credit bureaus and I keep getting a file can not be located. I sent for a claim to be disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time they have sent it back saying my file can not be located. This is unethical and against the law. There 's is only one person with my name, address, Date of Birthday, and social security number. Which I have proveide to them on every letter. They not wanting to do their job and they refused to do their job. They should be held accountable. I ask for the bureaus to remove the account that does n't belong on my credit file. After their investigation, send me a copy of what they just to verified the account if they deemed the account to be mines. I have already spoken to the business that stated the account was mines and they could not provide me any documentation that the account belongs to me. So why is the accounts still on my credit file. Why have n't the credit bureaus sent me anything documentation which stating the account belongs to me. They 're not granting my request of permissible purpose, and if they do have permissible purpose, where is their proof? Where 's the promissory note or contract with my signature binding me to the contract. The representative told me over the phone that the my used a screenshot of what the creditors sent them to verify the accounts. That 's against the law.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a dispute with XXXX, XXXX, and Equifax credit bureau. They failed to investigate my dispute. They did not tell me how they verified this information listed on my credit file. I sent a letter to the bankruptcy court regarding this public record and bankruptcy sent me a letter stating that they dont share personal information regarding bankruptcies with 3rd party organizations or credit bureaus. XXXX has told me they verified this public record but they did not tell me how they did this. I asked for a validation and they did could not provide me with any information. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that credit bureau disclose to me all of the documents that they have recorded and retained in my file at the time of this request concerning the accounts that credit bureaus is reporting in my credit report. I asked them to send me copies of the documents that they have on files that were used to verify them. Then I requested that if they do not have any documentation in their files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness.
Complaint sub-issue: Information is missing that should be on the report

I have made numerous attempts to have missing positive information on my credit report be reported. In place of the positive Consumer Data it reads ( No Data, Missing Data, Not Reported, etc .... ) From Equifax Website : Can I only report the positive or delinquent accounts? Am I required to report an account when payment behavior is inconsistent? *Equifax requires its Data Furnishers report full files on a monthly basis. Why were my full files not reported for various months? Also you have 30 days to respond to a complaint please explain why I have not been addressed for 10 months on 1 complaint from Equifax? I have written Emails and Called them to no avail. I have provided them with credit card statements to prove payments made as well.
Complaint sub-issue: Account status incorrect

Listed on my credit report is a Credit collection by XXXX XXXX representing XXXX XXXX XXXX for a balance in the amount of {$950.00}. Also on my credit report is XXXX XXXX XXXX. I have disputed this account multiple times but what upsets me more now is that both companies are listed on my credit report as if I owe the same debt twice. It is unfair that they are both listed on my credit report appearing that I have multiple accounts in a negative status and being denied credit. I am asking that XXXX XXXX be deleted immediately as they are not the original creditor.
Complaint sub-issue: Reporting company used your report improperly

n 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: Information belongs to someone else

NEVER HAD A ACCOUNT WITH THIS BANK IT SHOWED UP ON MY CREDIT REPORT ITS NOT MY ACCOUNT
Complaint sub-issue: Was not notified of investigation status or results

XX/XX/XXXX Equifax Credit Bureau Attention : Compliance Supervisor/CEO To Whom It May Concern : I am sending this letter again in response because I have recently checked my credit report with your company Equifax. After reviewing the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that this information reporting is being disputed and I ask that you validate this debt or delete it immediately. 

XXXX XXXX XXXX NOT MY ACCOUNT- DELETE IMMEDIATELY If you can not provide this information or fail to reply to this validation request within 15 days upon receiving the notice, this account must be deleted completely from my credit report. 

I look forward hearing from you to resolve this concern. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

Complaint # XXXX Complaint # XXXX Complaint # XXXX I recently submitted a complaint and I guess because I know the credit laws, they assumed it was not me and that it was someone else. Not every consumer is stupid about our rights. It was really me. Please re-open these 3 complaints. I still want this resolved. I'd be happy to send my picture or whatever is needed. Obviously, if you mailed me a letter, it is me who received it. I will be waiting for the answer to my originally submitted complaints. Thanks
Complaint sub-issue: Their investigation did not fix an error on your report

This notice is to inform Equifax and XXXX that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.Today my credit score dipped by XXXX points, and the reason for this is because Equifax added a late payment with the XXXX XXXX account which has been disputed several times. Further, Equifax and XXXX never put disputed comments on the accounts required by law, violation. I have sent Equifax and XXXX countless dispute letters and my FTC fraud report for months now advising them to please investigate several incorrectly reporting accounts on my credit report. They claim XXXX and XXXX XXXX accounts are verified and updated my report with no proof of verification ( Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized these accounts such as signed applications or contracts in wet ink signature. ) but they're still reporting incorrectly. For starters, I have been in contact with XXXX and XXXX XXXX and have pointed out all the wrong information reporting. I have contacted them via CFPB and mail. They state that the information reporting incorrectly is due to the fault of Equifax. 15 USC $ 1681b Permissible purpose of consumer reports. I demand that they are DELETED immediately, no later than 4 business days. 15 U.S. Code 1681n - Civil liability for willful noncompliance. Enclosed : copy of ID, Utility Bill showing proof of address, Copy of Social Security Card, FTC identity theft Report
Complaint sub-issue: Can't close your account

i asked for my account to be closed and they are taking me thru XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

an credit card account is being reported on my credit report i am requesting cease and desist all communication and debt collection
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.