Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

This collection XXXX named XXXX XXXX XXXX XXXX Legal Department with the acronym GCFS.Inc bought a debt account to XXXX on or about XX/XX/XXXX, but the affidavit was signed by XXXX XXXX on Monday, XX/XX/XXXX. On the affidavit of Sale XXXX XXXX stated there were XXXX payments made on this account. They were debiting the payments to XXXX XXXX XXXX, and charging NSF fee, late fee, Interest fees more than 60 % and the amount was growing and growing. As GCFS.Inc stated I had some bank accounts with XXXX XXXX, they got garnish against XXXX XXXX XXXX account I never opened. XXXX XXXX send a letter stating that I had no bank account with them. 

The Unfair, deceptive, abusive practices Collection Agency, and illegally sued by XXXX XXXX  XXXX XXXX Legal Department against my persona is a violation of Fair Debt Collection Practices Act. I never was served, not in person or with a Certify Mail. My daughters XXXX, and XXXX that time never received a paper sent from the court. 

No mail was received from them until XX/XX/XXXX. That take me for surprise a lot because I have not had account with XXXX XXXX XXXX. I have not had received any letter from XXXX or GCFS.Inc ; for me, this was fishy. So, I summit a complaint to Consumer Financial Protection Bureau with Case Number XXXX on the date of the XX/XX/XXXX. XXXX XXXX replied I had no account with them. GCFS.Inc replied that they served me and that their collection is from XXXX, now their property. They never validated the debt. They send me a copy of the contract of XXXX without signature, I never signed anything from XXXX. 
I filed a police report on XXXX when my purse was stolen. According to the papers they send to CFPB, the loan was given on XXXX by XXXX, GCFS. Inc. - XXXX bought the loan to XXXX - XXXX in XXXX. GCFS sued me in XX/XX/XXXX, my daughters XXXX and XXXX at the time. I found out about this on the mail in XXXX but ; once again, I did not was served in person as they said, it was on my mail box. It is a win, win, for them because I never knew that I had to go to court. That secured the exorbitant gain of {$12000.00} dollars or {$21000.00} dollars as XXXX contract said, without really knowing and making sure they were suing to the right people. 

You can not sue or, accuse and convict a person with false testimony, based on fraud or identity theft. It is a violation of the law. Hiring court date to win your demand. 

Too late for me to fight and to protect and defense myself from this depredators. I have file an identity theft reports with police, also to the three Credit Bureaus. The latest is : GCFS.Inc renewed the garnish order to XXXX Superior Court Case XXXX. I pulled out a regular mail from my mail box on XX/XX/XXXX it was again a Notice of Levy ( Enforcement of Judgment ) on my XXXX XXXX  account. The damages against my persona are too much. I will never recover from Identity theft. This collection company make me their slave for life, thanks to the California Laws allow renew them forever. The XXXX contract has the date of XX/XX/XXXX up to day are eleven years, with no signature on the contract.
Complaint sub-issue: Was not notified of investigation status or results

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. This item is fraudulent. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX
Complaint sub-issue: Information belongs to someone else

I have contacted US Bank regarding an entry they have listed on my credit reports. In a recent letter that I received from them dated XX/XX/20 regarding this reporting, they said they have reviewed the information and determined it was accurate. This is impossible because I have never had an account with them. I have never applied for an account with them. Never. 
I have asked for them to produce any documents with my signature showing that I have applied for credit with them. They could not do this. I have asked them to provide their method of verification which I have a right to request. They can not provide any methods. They also do not respond within the 30 day time frame as allowed by law. I also understand that I have the right to file a lawsuit against them requesting damages up to {$1000.00} per violation that has occurred. I am going to do so if this entry is not deleted from my credit files within 15 days of this complaint. This is my last goodwill effort to get this matter handled before I file a lawsuit and go to court.
Complaint sub-issue: Debt resulted from identity theft

This account was opened through fraudulent means, my personal information was use without my consent to open and establish credit. Approximately XXXX years ago when I was applying for a home loan I discovered this account with XXXX had been opened in my name without my permission to someone claiming to be me at an address I have never resided. I reported it to the credit reporting agencies, XXXX, XXXX and XXXX the negative information was removed for a couple of years only to reappear. Since this first incidence another account wit XXXX appeared on my credit report and I received a letter from the collect agency handling the account, I telephoned that company and explain this was a fraudulent account use my information with an address where i have never resided and was told I would receive no further attempts from them and the matter was resolved.
Complaint sub-issue: Trouble with how payments are being handled

Under the CARES Act, student loan servicers are required to refund any payments made on eligible loans made after XX/XX/XXXX but before the Act was passed. I made such a payment on XX/XX/XXXX, but despite numerous requests to FedLoan servicing, I have not received a refund, nearly four months later.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft by a collection company called XXXXXXXX XXXX XXXXXXXX and now by the Credit Bureaus Equifax Information Services, I sent a copy of my identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I requested that the consumer reporting agencies place an immediate block on the following fraudulent information ( documents attached ) in my credit file within 4 days upon receipt of my correspondence, and they ignored my request. 

I filed a complaint with the Attorney General as well. ( Attached ) all documents sent in support of my claim ( attached ) Opportunity to cure letter ( attached ) why the Consumer Reporting Agencies wants to take advantage of consumer rights, they don't care and just violate the FCRA Law Day by day. They do what ever they want with your consumer report and No one stops them.
Complaint sub-issue: Problem getting report or credit score

i had equifax credit monitoring i cancelled it, since they refuse to send me my credit reportafter sending them my identfification information like social security printouts, id cards andcredit cards bills, medicare cards copies of all with my XXXX XXXX XXXX on the informationfor all documentsw sent including the irs document of identiy theft declaration. i have calledthem on a number given to me by the FTC answered questions that only i would know, ibeleive thier employees are involved in a fraud operation or doing identity theft to consumers other agncies there is no problem getting my report, it has been 14 monthsand a total of XXXX spent trying to get my credit report.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX Equifax decided to randomly dropped my score by XXXX points. Alert I received for the change was that a remark was removed from a XXXX account. The remark removed was account previously in dispute- now resolved by data furnisher. This account was always a positive account, Im Trying to wrap my mind around how can a dispute remark whether added or removed, drops one score by so much?! What you guys have been doing to people and able to get away with is sickening and despicable!!! Im in the process of doing a mortgage, and this will impact the process. You dont dont just randomly drops someone score by so much and use a XXXX reason to doing so. XXXX points is a lot!!! Count your days, justice will prevail.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Been a customer here for years many cards none will be used until and unless this is resolved properly.XXXX  keeps rebilling me XXXX now i never received these items as such there is nothing they can provide regarding card ending XXXX to dispute this. because items never received. I was told by citi 2 weeks ago since i know citi will just rebill me if i dont make my needs rights known that i would get affiadavit to sign that items were never received. never received it. I also have an email from my development that items are being stolen from here. My concern is that i have consumer protection rights and that i am not rebilled when XXXX  sends that it was delivered since i never received the items they were likely stolen. where is the affidavit to sign? i was also told 2 weeks ago not to worry i would not be responsible for it. I want to protect myself. NEVER RECEIVed so they cant disprove that. i will suspend use of all cards til this is handled right. Send affidavit or pull the call wherein i was told i would get it to sign
Complaint sub-issue: Problem getting report or credit score

On XXXX I received a letter from XXXX stating that my application for a credit card had been denied and I should contact the credit bureau listed on the letter. I tried on line and they would deny me the report then I use the phone number on the letter and after giving then all the info it said they will transfer me to a Rep., it was busy and no way to get back or being placed on hold for the next rep, they finally hang up on me. 
I tried again but will not take my info anymore and there is no way you are allowed to talke to a live person. 
There should be a better way. On top of that the recording said I had to send by mail copies of all my documentation including SS card, driver license, bills, etc.. This is dangerous and I am not happy about it. How can we get a copy of the report by paying, but when it comes to a free copy they placed so many hurdles? UNFAIR. There is got to be a better way.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX THESE ACCOUNTS PROVIDED NO CONTRACT OR NO SIGNATURE
Complaint sub-issue: Application denied

I applied for and was approved for a credit card limit of {$4200.00} by DISCOVER. The card was sent to me and received by me at the address provided to DISCOVER at the time of the application in XX/XX/2019. 

Later in the month, I received correspondence requesting confirmation of my address. I immediately returned the correspondence, which was within the time parameter provided by DISCOVER. 

I received a letter in XX/XX/2019 stating that the credit card account was " closed ''. I sent a letter to DISCOVER requesting a specific reason for closing my account. 

XXXX XXXX, Executive Office of Customer Advocacy, left a voice mail on my cell phone requesting that I call her about my account. I called back and left a message on her voice mail. She did not return my call. I called a second time. This time I was told that Ms. XXXX was not available, but that the lady who answered could help me. I gave my information and was placed on hold. On returning to the call, the lady told me that my account was closed. I asked for a reason for this action and was told only that " a business decision was made to close my account ''. When I asked for the specific reason for this business decision, I was not provided a reason for their " business decision ''. 

I immediately wrote to the company stating that I would file a CFPB complaint if I did not receive a satisfactory reason for the " business decision '' to close my account. In response, I received a letter from XXXX XXXX at the address provided in the application, and on the prior correspondence requesting confirmation of my address, restating that " a business decision was made to close my account ''. No further information pertaining to the reason for closing the account was provided in the letter nor was further information from me requested. 

At the time of the application, my excellent credit score was around 750 or more from all three credit reporting agencies.
Complaint sub-issue: Their investigation did not fix an error on your report

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX Balance : {$700.00} ; XXXX  XXXX Balance : {$1400.00}
Complaint sub-issue: Report improperly shared by CRC

Disputed unauthorized inquiry on my credit reports ; Equifax & XXXX stated I needed to send letter to company who placed inquiry and state it was fraudulent and request removal. Sent letter to XXXX and XXXX stated it was for review process ; but did n't open account until XX/XX/XXXX. Inquiries are for XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX XXXX was for XXXX XXXX. Never requested credit from company those dates.
Complaint sub-issue: Account opened as a result of fraud

Received debit card and account opened letters in mail from PNC Bank in my name. I did not open any accounts at PNC Bank. Debit card received Friday, XX/XX/2021. Received " Thank You for opening '' letter for three accounts that weekend. Called PNC Friday re : the debit card and they completed a form and stated I'd get a call from fraud team within 24 hours. Did not receive call. Called again Monday re : the letter and the three accounts and was told a search would find all accounts opened in my name and close them out. Received confirmation letters dtd XX/XX/2021 that the three accounts were closed. Also placed fraud alert with credit reporting agencies on XX/XX/2021 & today filed police report with XXXX XXXX Police Dept.
Complaint sub-issue: Didn't receive advertised or promotional terms

On XX/XX/2021, I received a targeted mail offer with a personalized invitation code, advertising that I, with a specific mention of my name, was already preapproved for the CC and offer. The offer was advertised boldly and prominently at the front of a XXXX airline miles after XXXX in purchases. 

I visited the link and put my personalized invitation code in and signed up. I spent XXXX in the given time and was not given the points. When I called they mentioned I was not given the points, they said I was not eligible for this offer because there needed to be 48 months between credit card offers, only 44 months had passed since my last offer. 

There was no mention of this at any point, from the application process, to credit card being approved and sent out, etc. 

When I complained on why they are sending out personalized highly targeted promotions to customers they know are not eligible, they mentioned they are aware of the issue, there marketing system is not linked with the application systems, and they have a software request to address this already. I was told they are sorry but nothing can be done.
Complaint sub-issue: Their investigation did not fix an error on your report

The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent, unauthorized accounts to my credit file. 
As a result, I disputed this identity fraud with this company on XX/XX/XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. But until now, as I am writing to you, this company is still reporting these fraudulent inquiries contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. 
Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. 
For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. 
The following is the fraudulent account with late payments/charge offs status that I need removed by this company : XXXX XXXX XXXX XXXX Account REF # XXXX, XX/XX/XXXX ( 6 yrs., 9 months ), Term 300 months, Highest Balance {$7000.00} I am attaching the dispute letter/documents I sent to this company on the XX/XX/XXXX and my small claims forms, in case they need to reference or review.
Complaint sub-issue: Their investigation did not fix an error on your report

I've been writing letters to credit bureaus for months now.. I know I don't deserve this erroneous information you are placing on my credit report. I have always been a responsible payor. I am very disappointed on the development of how Credit Bureaus fix my credit report, very slow! CFPB step up and fix the errors reported on the following accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX   XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX CARD XXXX
Complaint sub-issue: Information belongs to someone else

I received an email alert through XXXX XXXX that a secure credit card was opened in my name by XXXX and it now appears on my Equifax credit report. 

I did not open this account and am stating that it was opened fraudulently and I want it closed and my name removed. I have emailed the bank in question and have a copy of the email that I sent.
Complaint sub-issue: Received bad information about my loan

Ever since FedLoans took over my student loans in XXXX. I have had many issues and none have been resolve with Fedloans company. I have called many times to try to resolve the issues which includes : payment plan based on the 3 x I have summited income driven based ( IDB ) application so I can afford to pay my loans based on my low income status, I have along with summiting the IDB application 3 times I provided proof of my taxes, paystubs and copy of prior lending XXXX letter of approval and amount per the request of Fedloans varies reps. They also in both XXXX and XXXX put my account saying my accounts were not paid up to date. I have proof from both bank statements and recipt showing I had been paying my loans auto deduct from my XXXX XXXX XXXX checking account, and when loan was transfer from XXXX to Fedlaons I had made one payment for the amount of {$24.00} by visa debit on XXXX/XXXX/XXXX to Fedloans to put my account updated, then they said about two weeks later that they never recv. the payment when on my bank account statement clearly shows they remove the money from my checking account, the rep from Fedloans then asked me to make another payment for the same amount, on XXXX/XXXX/XXXX, I advise her I had made a payment prior, so I had to pay once again same amount, when I called them a week later to advise them now I show twice on bank statement the amount of {$24.00} taken out of my account they refused to refund me the over payment, and I had asked that any auto pay or direct withdrawn be remove so that Fedloan wont be able to take out any money from my account, once again they failed to do so because without my permission again they are taking out of my bank account another {$24.00} on XXXX/XXXX/XXXX. I have emailed them to correct this issue, I have called many times but nothing has been done. I have asked for Fedloans to place all my account they have together into XXXX payment plan, but it has yet to be done, I have asked for them to change my payments based on my XXXX income based application nothing has been done, I even recv. a letter stating my IDB application was approved from Fedloans as well but no payment on my account has been changed, I am very concerning that this company has not since day one of taking over my student loans accounts resolve any issues nor have they made any effect in trying to help me. I am afraid they are going to ruin my credit and I have doing so well paying my student loans prior to Fedloans taking over in XXXX. Please help me with these many concerns and issues I have with Fedloans.gov, before the matters gets worse for me. thank you for your time and help.
Complaint sub-issue: Trouble with how payments are being handled

I was shocked when I reviewed my credit report and found late payment on the dates below : 90 dates late as of XX/XX/2018, 120 dates late as of XX/XX/2018, 150 dates late as of XX/XX/2018, 180 dates late as of XX/XX/2018, 180 dates late as of XX/XX/2018, 180 dates late as of XX/XX/2018, 180 dates late as of XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. I did not worry about making a payment when i was not receiving statements because I thought that loans were in deferment.
Complaint sub-issue: Information belongs to someone else

I have reason to believe your company is violating federal law by knowingly furnishing false credit information on my consumer report. These accounts are in direct result of identity theft. I have on several attempts requested that the consumer reporting agencies provide verifiable proof to why these accounts have not been deleted. I am also a part of the Equifax Breach which has caused a significant amount of damages to my consumer report. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

These accounts are now in process of litigation and are to be immediately removed from my reports, I have not been supplied any proof under the doctrine of estoppel by silence, Engelhardt v graves ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have also attached a letter Please consider this your final opportunity to cure before this becomes a litigation matter.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2016 Colelction agency- XXXX XXXX XXXX  Balance : {$5500.00} I have contacted Equifax multiple of times asking to investigate this account on my credit profile and they just respond saying verified a identity therefore report was filed months ago as someone else was using my social so I went into the social security office and received letter XXXX XXXX and I continued to dispute it and all they respond saying is verified as accurate never sent any proof or why they are saying its accurate. This same account was deleted from XXXX and XXXX but Equifax is not doing their job correctly.