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

I have sent letters to XXXX XXXX XXXX asking them to show proof of validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt XXXX XXXX XXXX. NOT who they have been paid by a third party. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This was NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you ( XXXX XXXX XXXX ). They responded and could not prove that i indeed owe a debt to XXXX XXXX XXXX. They are collecting for a company I have business with not them. With no signature of mine with XXXX XXXX XXXX. Account # XXXX
Complaint sub-issue: Problem accessing account

TCF Bank updated their computer systems and now I can not access my bank account online. I get my statements online so I have no visibility to my account. There is now a verification code being text to a phone number that is not mine. I have spoken with customer service and they have logged a ticket with IT. It has been five business days now and I still can not access my bank account.
Complaint sub-issue: Unable to open an account

U.S. Bank was advertising a {$300.00} bank bonus. On XX/XX/XXXX, I signed up for a bank account. They contacted me on XX/XX/XXXX saying they needed further verification, specifically my social security card, state ID and 'foreign ID ' ( green card or Employment Authorization Document ). When I sent in my I-551 stamp, they said they 'can not take an I-551 '. 'I-551 ' is the Citizenship and Immigration Services form name for the 'green card '. They claim to accept permanent residents but in fact discriminated against me by refusing to accept my I-551 stamp,  which is legally equivalent to a permanent resident card. 

See : https : XXXX This violates local law, California Civil Code section 51, as well as federal law, 42 U.S.C. 1981 ( c ), because they are refusing to deal with me because I am a permanent resident and not a U.S. citizen. Even if I wasn't a permanent resident, they have no legitimate reason for verifying that I am a permanent resident because I have already provided them with my state ID and social security card. Now the bonus has expired and they have essentially defrauded me of {$300.00} due to their discriminatory practices.
Complaint sub-issue: Information belongs to someone else

The information reported on my credit report does not belong to me. I need it removed and permanently deleted from my credit report. I have no knowledge of this information on my credit report.
Complaint sub-issue: Investigation took more than 30 days

To whom it may concern, I sent a dispute letter for inaccurate personal info on XX/XX/2020 and I still have not gotten any results. I also, sent out a 60 day comply letter on XX/XX/2020 and still no results. At this point my FDCPA rights are being violatied.
Complaint sub-issue: Was not notified of investigation status or results

I am having issues with the credit bureaus, XXXX, XXXX, and Equifax. I have been submitting disputes for the past 6 months, and I have not received not even ONE letter from the bureaus. Per my investigation, the bureaus under the law have 30 days to provide results and I have yet to receive ANYTHING! 
I am requesting that the bureaus provide results to me in a timely matter and remove these erroneous items off my credit.
Complaint sub-issue: Old information reappears or never goes away

To whom it may concern on XX/XX/XXXX i spoke with a manager in regards to the two closed " XXXX '' account. I have documents stating that accounts are not reporting on my file, but i see it still reporting. I have documents from Equifax stating that the accounts were deleted but it still remains on my file. I am asking that the CFPB to remove the accounts as Equifax continually violate my FCRA 15USC ss 1681
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the following Accounts, 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. 

15 U.S.C 1681 ( 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. 1681-2 ( 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.

I've been a victim of identity theft and never applied for any of these accounts : Equifax : XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

Disputed with the company on XX/XX/2020. Company received my disputes as it shows according to my certified mail receipts. It is now XX/XX/2020 and I have not received back from the company any information in regards to verification of these debts. The FCRA gives the company 30 days to respond. I have not received a response. This has been my 2nd attempt to resolve this matter with the creditors listed on my report and the credit bureau reporting this information. The bureau is in direct violation of my consumer rights because they have ignored my requests for there methods of verification and documentation used to validate these debts. XXXX  has already removed several of these unverifiable accounts and yet XXXX and XXXX  are still reporting some of them. XXXX  in particular has not even responded to my dispute request at all. XXXX  is continuing to claim that these accounts are certified or verified but has not provided me with any proof of the matter, although I requested it way more than 15 days ago. This is a violation.
Complaint sub-issue: Trouble with how payments are being handled

AES will not permit my daughter or me to set up automatic payments because they do not have an autopay program for students who are not in repayment and are instead only paying interest. Interest payments are just as difficult to remember to make each month. AES has reported us to the credit bureaus for being days late on making small ( $ XXXX {$50.00} ) interest payment. It is customary in the industry for a legitimate loan servicer to offer ACH aka autopay on all payments due. Perhaps AES does this in order to earn fees for late payments? There are no other logical reasons why they would not offer autopay on interest only payments.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Reporting company used your report improperly

Equifax information services has grossly mishandled my personal identification information, which puts me and hundreds of thousands of other people at risk of identity theft. 

I demand that they rectify this by making credit freezing free of charge and refunding anyone who has already paid for such services. The " equifaxsecurity2017.com '' website indicates that I have been affected and it is unacceptable to require that I file a police report when they already know that I ( and many, many others ) are impacted. The fact that this is a paid service is actually a perverse incentive for them to " accidentally '' release some information and then charge consumers for their protection. That sounds vaguely like a tactic employed by the mob for some time. 

The fact that they did not notify anyone quickly enough, and themselves admit that they will not notify everyone is a gross dereliction of duty.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

See attached complaint to the Office of Comptroller of Currency. I was referred here. 
All address information is on the attached form. A charge was made by XXXX to my CitiCard for a service that I cancelled. See attached picture of my computer dated today showing my XXXX subscription is cancelled. I disputed the charge to CitiBank, they responded by saying XXXX did not cancel my service and I need to show an email from XXXX saying I cancelled. XXXX provided no such email, but they obviously cancelled my service as evident by the screenshot I've attached. Anyway CitiCard refuses to remove the charge from my account unless I can provide an email from XXXX, who will not give me one. XXXX also said they renewed my subscription, while the attached screen shot of my computer proves they did not.
Complaint sub-issue: Information belongs to someone else

MACYS/CITIBANK, N.A. Company you are furnishing inaccurate and incorrect information to the consumer reporting agencies. Monthly Payment, Terms, Credit Limit, Past Due, Date of Last Payment and Activity, and Last Reported Date is different across XXXX, XXXX and XXXX, Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is clearly in violation for not reporting 100 % accurate. Also, Under 15 USC 1681 s-2 Says you MACYS/CITIBANK, N.A. company is a furnisher of information to a consumer reporting agency. You are the only data furnisher yet different information is reported. 

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.
Complaint sub-issue: Their investigation did not fix an error on your report

Me and my XXXX sister were hanging out one weekend years ago on XXXX XXXX my XXXX had our dl & ssc in her purse someone grabbed the purse and in result we have became victims of identity theft and fraud
Complaint sub-issue: Account status incorrect

XXXX XXXX provided internet services at my previous address ... XXXX XXXX XXXX XXXX, Mi XXXX. In XXXX of XXXX, final payment resolved for the full remaining balance owed on the account for the services rendered, after the home had been sold. Harassing calls and letters from XXXX XXXX followed one month after services were disconnected by me and shortly before the final payment had been made. The company is stating that I owe money for equipment that was used for the duration of the internet services. There is not an existing or past contract that was signed or agreed upon, by me nor any other member of the household for the rental or leasing of the equipment at my home. I paid in full for the services and or any equipment as stated on my monthly bill. I have contacted IC Systems Inc. twice in writing regarding my dispute. I have specifically requested that they produce and submit back to me any signed contractual agreements where it indicates that I understood the equipment was leased, including amounts owed and other pertinent details. I have not received any responses back as of XX/XX/XXXX. To further add injury in my claim against this company, they are now reporting twice as a collection account, through a different company, XXXX XXXX Solution. For the same amount but with a different account number. I feel harassed and bullied by both companies in a retaliatory effort upon ending services. It is heavily affecting moving forward by falsely reporting to the credit bureau and not responding to my request. I need help and some resolve in this matter. I am asking that you demand from both IC Systems, XXXX XXXX and XXXX a proven contactual agreement, in which I am certain they do not have, or they remove both collection accounts from my credit report. I am hoping they will comply with your request. No company should be able to do as they wish in regard to falsely reporting to credit bureaus. I work very hard in keeping my credit payment history in great status and this is the only collection account on my credit report. Falsely reporting is intentionally misrepresenting my payment history which is FRAUDULENT.
Complaint sub-issue: Frequent or repeated calls

Citi repeatedly calls multiple times a day for collection on XXXX cards. Today alone they have called 3 times between XXXX and XXXX. They called 6 times Friday XX/XX/XXXX 8 times Thursday XX/XX/XXXX It 's been going on like this for months.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 sec 602 A : States I have the right to privacy 15 U.S.C. 1681 Section 6040Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

XX/XX/XXXX tried to disputed information from an collections agency that was included in bankruptcy that was discharged XX/XX/2020 by the state Of Maryland. Credit Reporting agency contacted and still showing on my credit as owed and affecting my ability to start over. Along with having the bankruptcy. I need help getting it removed. I also sent documentation to the credit agency to verify my statement.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Complaint sub-issue: Debt was result of identity theft

I used to live at XXXX XXXX  XXXX  XXXX XXXX in XXXX XXXX, California. I noticed that the lease that was available on XXXX, the website that this company uses to sign leases, was signed several days after I moved in. I know that I did not sign this lease as I signed a lease prior to moving in and the lease available online is not the same lease as the one that I did sign. The IP address associated with my signature and my cosigner 's signature matches the IP address of XXXX XXXX, who works at XXXX XXXX  XXXX XXXX XXXX. 

XXXX XXXX XXXX  XXXX XXXX are now saying the I violated this lease after moving out and saying the I owe {$20000.00}, even though I did not sign this lease. They have reported this to IQ data International, a collections agency, which is now requesting that I pay them {$22000.00}. I never signed this lease, my signature was forged on this lease by XXXX XXXX, therefore, I am not responsible for paying this amount. 

I have also sent a letter disputing this debt to IQ data international, I still have not received any response or documents from IQ Data International that validate this debt. 

To prove that I did not sign this lease, I have attached the lease that is available on on-site.com, that includes my forged signature ( XXXX  ), so you can see the IP address of the signatures. I have also attached a summary of a form signed through XXXX  ( Summary.pdf ) that has my IP address, my cosigner 's IP address, and XXXX XXXX 's IP address listed. You can compare the two documents and see that XXXX XXXX 's IP Address matches the IP address used to forge my signature and my cosigner 's signature. While my IP address and my cosigner 's IP address are not found anywhere on this lease. In addition to that, the lease with my forged signature was signed on XX/XX/2020. I, however, moved in on XX/XX/2020 and I had signed the lease prior to moving in. You can see in the third document that I have attached ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ), the email I received from XXXX XXXX, confirming that the original lease that I signed was signed by all parties and completed on XX/XX/2020, 2 days before my signature was forged onto to this new lease. 

Furthermore, I am unable to obtain a copy of the original lease that I did sign prior to moving in, since the original lease was removed from XXXX and replaced with this new lease that I did not sign. XXXX has access to this lease and will need to be contacted to retrieve a copy, they have refused to send me a copy, therefore, I am unable to provide a copy.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX loan is paid off closed. There is no balance of {$3300.00} dollars owed
Complaint sub-issue: Was not notified of investigation status or results

On XXXX-2021 I sent a letter regarding inaccurate and unknown things on my credit report. 
To this day over 60 days later I have not received a response yet. I feel like im 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 30 days gives a reason to immediately remove those items from my credit report it has been over 170 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 data breach and may have got into the hands of the wrong person
Complaint sub-issue: Transaction was not authorized

My name is XXXX XXXX and live at XXXX XXXX  XXXX XXXX # XXXX, XXXX, OH XXXX My cell # ( XXXX ) XXXX On XX/XX/1940 I was on line and notice that a {$10000.00} was withdraw from my PNC checking account which was sent to XXXX XXXXXXXX XXXX to pay off my account. I did not authorize this transaction. I was never notified that this was being done. Thinking there has to be some kind of mistake because I never authorization any funds to be paid to XXXX XXXX  XXXX. 
Matter of fact, I have bill pay when it's due to make the payment, I am the only one that can do that. 
I checked with PNC to find out why they sent funds to XXXX XXXXXXXX XXXX. 
I then found out that my bank had taken whatever funds I had in my checking account and sent it to XXXX XXXX XXXX in the amount of ( {$3700.00} ) - I could not believe that they did that without notifying me. They had no right. 
First of all, I have never missed a payment and besides that I have bill pay. The payment was not due. 
I was told that PNC put a on hold on my account and now unable to get any money from my account. 
I need help now, I have bills to pay, utilities, gas, insurance, doctors, etc. 
This has never happened to me. Once I get this taken of I will be changing banks What am I to do?
Complaint sub-issue: Investigation took too long

Equifax allowed companies to access my credit report with out my permission. I have sent the unauthorized companies letters that have not been replied to and I have sent equifax certified copy 's of letters to investigate and delete the unauthorized inquiries and it has been over 45 days and still it has not been done. 

I have included a statement of truth to prove I am telling the truth, please delete ALL the unauthorized inquiries from my credit report. please do n't force me to sue I have documented every thing and i will win.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I found out when I started getting calls from banks about late payments on credit cards. I found out there are several accounts that were applied for and approved using my personal information without me giving consent. I did not apply for the credit cards or bank accounts in question, nor did I authorize anyone else to use my personal information to apply for any credit cards or bank accounts.
Complaint sub-issue: Reporting company used your report improperly

In a accordance with the fair credit reporting act XXXX  account # listed below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 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 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Obviously, these accounts are not mine, and I do not want to accept their existence in my credit profile. SO please check these accounts on any error or identity theft or bad reporting and release me from them - Delete them all.
Complaint sub-issue: Didn't receive notice of right to dispute

I checked my Equifax credit report and noticed my score significantly low. I checked the collections and noticed an account from XXXX XXXX   XXXX, a company I have never heard of. They are reporting a debt from XXXX, but i have never received any notice of this debt prior to reporting. According to the Fair Credit Reporting Act, I was supposed to be contacted via postal mail. I have been at the same address and have never received any correspondence from this company about any debt nor did I receive any information on how to dispute said collection account or any options to take care of the debt, if its a valid debt, prior to reporting to Equifax. 
Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. 

This is NOT a request for verification, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I owe any money to your company. 

At this time I will also inform you that your office reporting invalidated information to to Equifax constitutes fraud under both Federal and State Laws. Due to this fact, if the traded line found my credit report by your company are not removed, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character