Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Received bad information about your loan

To Whom It May Concern, The premise of my ongoing complaint with XXXX XXXX ( a.k.a.,  XXXX, Lender, and/or they ) is that I, XXXX XXXX XXXX, XXXX, am not, nor have ever been, the borrower on the Loan To Learn ( see attached Combined Consolidated Application and Promissory Note ), though they contend, otherwise, without any supporting documentation or legal basis. 

In response, I demand that XXXX acknowledge ( in writing ) my status on this loan as the Student only, that I do not hold any title as a Borrower, and that Im not financially or legally responsible for the  repayment of this note. 

The attached Promissory Note is difficult to read, but is the only copy ( seen to date ) that exists, unless another, clearer, copy can be produced ( which has been requested from the Lender, but has not, yet, been fulfilled ). From it, the following can be extracted : Block # 1 STUDENT section, where all my information is stated. NOTE : No financial or employer information is requested or contained in this block, thus proving my status, and point Block # 2 APPLICANT ( i.e., primary Borrower ) section. My father, XXXX XXXX XXXX, XXXX, completed this section, which included all of his employer and salary details. 
Block # 3 APPLICANT ( i.e., co-Borrower ) section. My mother, XXXX XXXX, completed this section, which included her employer and income details Initials In the lower left portion of the Note, just below the last information box, are clearly only two ( 2 ) sets of initials, representing both Applicants ( Borrowers ). These are the initials of my parents, XXXX and XXXX XXXX Signature Block The most discernable part of the Promissory Note, which most strongly supports my case, is my fathers signature as Applicant # 1, my mothers signature for Applicant # 2, and my signature on the Student line.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft, Ive notified the police dept in my county, filed a police report, circled the items that are fraud on my report sent my info drivers lic. 605b of the fcra to equifax numerous times all certified return receipts which I have, and they have refused to remove items from my report within the 4 business days they are allotted by law, these items have destroyed my credit stopping from getting loans, cars and employment over the last 6 plus months I want these things removed at once ... they have poposidly refused to remove fraud from my report I want them removed immediately or I will go to federal court to sue this company.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021I sent a letter regarding incomplete and inaccurate information on my credit report. Reporting a public record which is a violation of 15 USC 1681 ( 4 ) on my credit report which states. There is a need to ensure that the consumer reporting agencies exercise their grave responsibilties with fairness, impartiality, and respect for the consumer 's right to privacy. This is a violation of my privacy as I did not grant them permission to place this item on my credit report and I insist that it be removed, for it is doing severe damage to credit and requested their method of verification. The credit bureau did not go beyond the original source and responded with an electronic response. third party response of information from the data furnisher only to " verify '' the accuracy of this disputed items. I requested the actual court document and other information that I did not receive. I feel like I am being taken advantage of and my FCRA rights are being disregarded and I am not having it. Section ( a ) it plainly I demand this account be deleted immediately or I will file litigation due to stress they caused me and for the violation which is {$1000.00} per each violation, try me.
Complaint sub-issue: Their investigation did not fix an error on your report

I would like to report this credit reporting agency 's violation of the FCRA. On my last letter I faxed to them last XX/XX/XXXX, Listed several accounts including 1. XXXX XXXX XXXX Ref # XXXX and 2. XXXX XXXX XXXX Ref # XXXX, Opened XX/XX/XXXX to be investigated and these items doesn't seem to be correct and valid. More than 30 days have past and nothing has been done. This credit reporting agency still reports incorrect information which continues to damage my credit. I have sent them another letter again today, XX/XX/XXXX to request for copies of the document used to verify these pieces of information reported on my credit report, the name, address and phone number of the person who verified the information if, within 30 days I will not get a a proper and lawful response and action from this credit bureau, I will not hesitate to get a legal counsel involve.
Complaint sub-issue: Trouble getting information about the card

On or about XXXX, XXXX, I applied for and received a Kroger Prepaid Visa Card issued by US Bank. On XX/XX/XXXX, I made a purchase of {$600.00} on my card from XXXX. Several minutes later, my order was canceled by XXXX because the item was no longer in stock. XXXX advised me that they released the authorization upon canceling the order. When the funds did not go back into the account within two days, I followed up with customer service. I was advised that they would retain the funds for 10 days, which would indicate that the funds would then become available on XX/XX/XXXX after XXXX XXXX. As of the date of this complaint, XX/XX/XXXX, the funds are still on hold. 

Most disturbing, however, is the fact that this card is issued by US Bank as delineated on the back of the card and in the Agreement. However, US Bank disclaims any knowledge or responsibility for this card. When I sent an email to US Bancorp Executive Vice President and General Counsel XXXX XXXX, my email was forwarded to US Bank Executive Communications Unit. This office refers to themselves as " Office of the President. '' Essentially it appears to be an escalated form of customer service. A representative named XXXX called me and was wholly confused as to what a Kroger Prepaid Card is and stated that her office does not handle these matters. I asked her to forward my complaint to the correct office which handles this business line of US Bancorp, but received nothing responsive to my request for assistance. 

I am in the process of filing a lawsuit against US Bank in connection with this matter. It is completely unacceptable that the Bank is operating in this manner.
Complaint sub-issue: Public record information inaccurate

The criminal offense of unlawful driving away says I got XXXX XXXXs on my license I havent had my license for 15 years I got it back two weeks ago how can I have points on a license I dont have also there is what seems to be duplicates of the same thing mainly failure to comply it says that ten + times also there is a no proof of insurance that was dismissed that should not on there I was recently at the Secretary of State and I was told my drivers record was like I first got it I am currently on ten months of probation like I was when I got my license when I was XXXX through the Secretary of State
Complaint sub-issue: Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employer : XXXX XXXX XXXX  Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXXXXXX XXXX XXXX  Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax EMPLOYER : XXXX XXXX D XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Collections : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

Equifax- I have been working on my credit starting in XXXX of this year I paid all my bills on time and paid off some of them I went from XXXX to XXXX starting XX/XX/XXXX score dropped XXXX points of a mistake the Equifax part XXXX I filed a dispute letting them know that the information was wrong My Morgage payment did not go up it went down and I was told that the points would be added back to my account after they finished the dispute but nothing changed, again on my XXXX my score went down again by 3 points for just using my credit card, and again on XX/XX/XXXX it dropped XXXX  points on XX/XX/XXXX it dropped XXXX points and on XX/XX/XXXX my score went down XXXX points after paying off my XXXX XXXX account I just don't understand how my score keeps dropping when I'm paying all of my accounts on time. It seems like the more I work on my credit the lower my score goes so I need someone to check and help me understand what's going on.
Complaint sub-issue: Can't close your account

I closed my account in the summer but Citi keeps re-opening it and applying fees for insufficient funds.
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 stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus 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 remove these files. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$420.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$100.00} ; XXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXXXXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items 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 item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus 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: Debt is not yours

In XX/XX/XXXX2021 a solar rep came to my house to try and sell solar.. he told me he would do a soft credit search to see if we could get approved. I told him I did not want to approve anything until I talked to my tax person. I had a XXXX XXXX at the time I never signed anything again I told him I needed to talk to my tax person onXX/XX/21XX/XX/XXXXhe tried to send someone out XX/XX/21I said no. on XX/XX/I sent him a text from the tax office and told him absolutely it was a NO and that he had been dishonest with me after talking to the tax person the next day a crew arrived at my house to install I told them NO I was not getting anything from them and they left.. the following month someone from the solar company called trying to get me to get solar once again I said NO.XX/XX/21 I got an email from MOSAIC XXXX XXXX XXXX XXXX AZ XXXX loan servicing department stating they received a cancellation request from XXXX XXXX to cancel my loan. I told them I never got a loan XX/XX/XXXX I got a statement review. I contacted the XXXX they said it would be corrected XX/XX/XXXX I got an email asking for payment of XXXX due XXXX once again I informed them I didn't owe them anything they responded saying it would take 2-3 weeks to process the cancellation they had only received confirmation on XX/XX/21on XX/XX/XXXX I was told any payments I made would be refunded. XX/XX/XXXX they reported the debt on my credit reportXX/XX/21 I received a statement notice for loan number 145467XX/XX/21 I received another email asking if I forgot this months payment and the payment required is {$140.00} {$140.00} was due on XX/XX/21. I do not owe this company anything and have continued to tell them this they tell me it will be taken care of and they still try to collect a debt I do not owe.
Complaint sub-issue: Information belongs to someone else

I HAVE HAD A CHANCE TO TAKE A LOOK OVER MY CREDIT REPORT AND CAME ACROSS AN ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNT IS AN OPEN ACCOUNT THAT IS ONLY REPORTING ON EQUIFAX. THE NAME OF THE ACCOUNT IS ( XXXX XXXX XXXX XXXX. THE ACCOUNT IS NOT AFFILIATED WITH ANY TRANSACTIONS THAT I HAVE MADE. THIS IS ALSO CAUSING MY SCORED TO DROP EVERYTIME IT REPORTS LATE. I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER SO THAT IT CAN BE RESOLVED IN A TIMELY MANNER.
Complaint sub-issue: Problem during payment process

I never used the card fully but was still making payments but when i tried to pay monthly membership fee it would t allow me because they had already started to close off the account.
Complaint sub-issue: Used obscene/profane/abusive language

I received a missed call from IC Systems regarding a collection account. I returned the call to gather some information from the agency. Upon contact with the agencyi was treated like the scum of the Earth. I simply requested validation of the debt from the agent and was told it was previously sent out. I asked how could it have been sent if this was my first contact with the agency. The agent proceeded to inform me validation was sent on XX/XX/2017. I advise the agent I had n't received any communication from their company and again this was my first contact. I informed the agent whatever she claims was sent was the first notice NOT validation of the debt. I also informed the agent I have a right to request validation of the debt and by law the agency had to provide it. The agent became very argumentative and upset. I then requested to speak with a supervisor and the agent hung up the phone. The phone call requesting money for an unknown debt after knowingly sending out a notice that i have not received is a violation of the FDCPA ; clearly overshadowing..
Complaint sub-issue: Their investigation did not fix an error on your report

I have carefully reviewed my credit report in XXXX credit bureaus. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. The 3 credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair the late payments from this account : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2300.00}
Complaint sub-issue: Reporting company used your report improperly

The Equifax data breach in XXXX XXXX affects a large portion of Americans and the self identification of whether you are affected or not appears to be bogus. Thus, it is unclear whether I personally am affected and what steps would be most prudent for me to take. However, the current uncertainty and lack of clarity from Equifax following this breach leads great credence to my belief that I should assume my information was breached.
Complaint sub-issue: Information belongs to someone else

Today is XX/XX/XXXX and the fraud accounts are still on my credit report with this company. Even after submitting an online FTC report. So again on XX/XX/XXXX I sent an FTC identity theft report. The report was signed and notarized and sent certified mail with green receipt. I will upload copies. Like I stated before in my cfpb complaint, I have been disputing the same accounts since XXXX and I started again in XXXX of XXXX. I asked for validation of debt and was sent a paper saying it was verified. Then when I sent the FTC report on XX/XX/XXXX they still failed to remove the addresses, names, and the accounts that are not mine. I did not ask them to remove it is a demand. Pursuant to FEDERAL LAW 15 U.S. Code 1681C-2 ( A ) the CRA 's have 4 business days after receiving the FTC report to delete and block the reporting information. They did not do what Federal Law said. They sent a response to me through the FTC saying that I need a Police report. On the signature page of the FTC report it states that if you do not CHOOSE to file a report with law enforcement, you can use this form as an identity theft affidavit. At this point, there has been over 8 different violations of my consumer rights. 15 U.S Code 1681 ( a ) ( 4 ) violations is infringed upon consumer 's right to privacy. 15 U.S Code 1681i ( A ) 91.A ) when any account is in dispute on your credit report for any reason by federal law, the account is to be removed from your consumer report while a full and complete investigation is done. The CRA did not validate the debt because the original creditor is the only person that can validate the debt. Pursuant to federal law I am the Original Creditor. Violation of 15 U.S. Code 1692e. I demand that they report the correct and complete information on my report. I'm uploading a new FTC report also. Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) if a transaction was authorized by your social security card, the real credit card first defined in the FCRA and TILA, the transaction must be excluded from your consumer report. The company is refusing to delete the accounts, names, and addresses that are not mine and I have no knowledge of. Even after filing the proper documents. This whole ordeal has cost me a loan for XXXX for reporting inaccurate information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am taking this matter to court and I am uploading all documents.
Complaint sub-issue: Was not notified of investigation status or results

I submitted disputes to Equifax XX/XX/XXXX and various complaints afterward with the assistance of a credit repair company. I have never received a response to all my disputes or a report. This is a gross violation of my consumer rights. I am asking the CFPB to investigate Equifax in reference to my file ... 

INQUIRIES XX/XX/XXXX XX/XX/XXXX unauthorized XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX unauthorized XX/XX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX unauthorized XX/XX/XXXX XXXX not mine XXXX not mine XX/XX/XXXX XXXX XX/XX/XXXX XXXX not mine XX/XX/XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XX/XX/XXXX XXXX not mine
Complaint sub-issue: Sued you without properly notifying you of lawsuit

I received a notice of sue today. Ive been sending letters to the credit bureaus asking for validation of debt and I never received any responses until this sue. Ive asked for them to validate this debt and all invalid info they have and if they can not to remove this discover card. The debt showed removed then now they are suing and its back on
Complaint sub-issue: Didn't receive enough information to verify debt

This complaint is stating that your bank has deliberately cut off several years of payment history to re-age my account. Even though the account is missing several years of payment history, the timeline as to when the account should be deleted, under the current late payment history is close, within a few months. Accordingly, I request your bank to do a full review of my payment history, and not delete any late payment history in the process. If there were any additional late payments not posted, then I am within my rights to have the trade line deleted permanently. I understand that your bank must comply with the rules and guidelines of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. There is currently no collection enforcement that can be accomplished due to the rules within my state of residence. If my husband is the responsible party on the account, and I was just an authorizer user, then I respectfully request the deletion of the trade line. There should be a definitive deletion date within the 7-year rule to this account. However, I believe that since your bank has cut off several years of payment history, there is a high level of probability that the account should have been deleted years ago. Please comply within the rules as well as your banks subscriber agreement with all three pertinent credit reporting agencies. PLEASE DELETE THIS ACCOUNT PERMANENTLY!!!