Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Talked to a third-party about your debt

I wrote to you on XX/XX/XXXX, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act XXXX, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act XXXX and what actions s/he has taken in relation to this account.
Complaint sub-issue: Reporting company used your report improperly

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instruction.

The company reported late payments to my credit profile without taking proper action to ensure reasonable procedures were in place for me to receive statements at least 21 days in advance. Therefore, they are in direct violation of 15 U.S Code 1666b. 15 U.S Code 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

My reputation, credit, and mental health have been negatively affected due to this unlawful violation from this company.
Complaint sub-issue: Problem with customer service

I ran into several issues when trying to open and now close my Citi XXXX card. I can not log in online, and by looking at emails I apparently now have two cards open based on the last four digits displayed. I never received, nor activated, either of these cards. I believe these are both closed, but I'm being charged their annual fee. I spoke several times to their customer service team and they told me I wouldn't be charged these fees, it would be credited back to the statement, etc. However, I keep receiving emails my fee is late, and the amount of the fee increases due to late payment. I called Citi several times letting them know this is hurting my credit but they say it will go away ( which it never does ). They are unable to send me any confirmation or they are unwilling to provide a confirmation number to reference the call. My last call to Citi was on XX/XX/16 and they told me to wait 3 billing cycles. I will keep being charged late fees and having a late payment on my credit history as they can not correct this.
Complaint sub-issue: Debt is not yours

This is not my account Ive never had XXXX
Complaint sub-issue: Investigation took more than 30 days

I filled a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX  XXXX XXXX XXXX This account does not belong to me. 

+ Associate XXXX XXXX | XXXX This account does not belong to me. 

+ Associate XXXX  XXXX IL XXXX | XXXX This account does not belong to me. 

+ Associate US DEPARTMENT OF EDU | XXXX This account does not belong to me. 

+ Associate US DEPT. OF EDUCATIO | XXXX This account does not belong to me. 

+ Associate NEGATIVE INFORMATION > XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This collection does not belong to me. 

+ Associate XXXX XXXX XXXX XXXX XXXX | XXXX This collection does not belong to me. 

+ Associate XXXX XXXX XXXX XXXX XXXX | XXXX This collection does not belong to me. 

XXXX XXXX XXXX, XXXX, IL XXXX
Complaint sub-issue: Problem using a debit or ATM card

On the Eve of XXXX XXXX weekend Friday I went to XXXX on XXXX XXXX in XXXX Georgia to take out {$360.00} out of my Social security account through my Direct Express card that is linked with Comerica Bank which is affiliated with the United States Treasury through the Social security department for people who receive Social security income as the ATM machine was dispensing my money it seized up locked up and displayed on the screen not enough funds out of order printed a receipt showing I only had {$11.00} left in my account I directly walked over to the counter and spoke to the customer service representative at XXXX who then called XXXX XXXX XXXX XXXX they then took my information balanced out the machine and saw that I did not receive the money they then gave me information such as a confirmation or reference number and a regulation e form to tell my bank they needed to fill out and with the number they could see that the money was not received I have called over 20 times since then Direct Express has a robotic answering system that says they have high call volume and then they disconnect you so within this time period I was only able to connect with four people two of the four people hung up on me in the middle of the conversation after I gave security answers, one representative did not even know what I was talking about and sent me to level two department where I was put on hold for over 60 minutes to the point where I hung up I then tried another time and connected with someone else who did the same sent me to level two where I was put on hold for over an hour to the point where I got discouraged and hung up I do not believe there is a level two department I believe they just put you on hold until you get tired of it and you hang up I've yet to receive my money back I am XXXX years old I only get {$870.00} a month in Social security income and that {$360.00} was left to pay my remaining bills and to buy food for myself for the rest of the month I have no money at all and can not get the bank to help me so I am filing this complaint and hopes that you can help me resolve this matter as soon as possible as I am hungry and I'm afraid that my power is going to be shut off
Complaint sub-issue: Information belongs to someone else

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADECOMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item 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 items 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 XXXXXXXX ; According to FCRA Section 605B ( a ) the CREDITREPORTING 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.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

XXXX XXXX, 2017 I submitted information to the emails XXXXXXXXXXXX and XXXXXXXXXXXX at the company Procollect. They requested that I submit copies of my utility bills 3 years back proving that I did n't live at the stated address of the utility bills and a police report stating that identity theft had taken place. 

After complying with this request my account was escalated to a XXXX XXXX, who I was told would call me regarding the account. This never happened. I did however get some paperwork that stated that my accounts were now zeroed out. 

Eventually I signed up for a monitoring service and noticed there were still some issues with them. They somehow did n't connect the dots and realize that the other fraudulent account was related. 

I have since contacted XXXX XXXX at procollect and he has yet to contact me, I have not received any notice that the accounts were corrected and I have checked XXXX XXXX and I am still able to see the issue. No one else will speak to me at the company because my account has a special status and only XXXX XXXX is permitted to speak to me. 

Any assistance with this issue would be appreciated as it seems I have exhausted my own resources.
Complaint sub-issue: Information belongs to someone else

Im suffering from identity theft and have been trying to correct it for a while. I sent over all required documents to Equifax about 30 days ago. They removed most of my of the items I requested but a account from XXXX XXXX   Account # XXXX they did not remove which was fraudulent and they said it was verified that it belongs to me.
Complaint sub-issue: Received bad information about your loan

This initially began in XX/XX/2011until now, when I decided to investigate this loan company. The following is the claim that will be made in court against Loan Science, a company that claims they own some of my loans : 1 ) Plaintiff has made prior payments to Loan Science without investigating the validation of debt with this company until now. 
2 ) Plaintiff did not make a loan with Loan Science and no has no documentation with a signature and notarization approving Loan Science as an owner of alleged debt.

3 ) Plaintiff has asked the Defendant, Loan Science, for  verification of debt, but has been unsuccessful in gaining proper documentation to prove its ownership. 
4 ) Additionally it was requested that if the account has been sold to another creditor, then that creditor must prove that it has the right to collect the debt or state why the document can not be provided. If these loans were sold, the physical documents of the loans should be notarized and signed each time the loan was sold to prove ownership. Currently these loans show a company called XXXX XXXX as an affiliate owner, which has no address, phone number, and unknown active business status.

5 ) The documentation that has been provided to Plaintiff shows various companies that have bought and sold various securitizations of loans and companies that no longer exist, yet still holds alleged promissory notes.

6 ) There were exhibits that were omitted from the documents that were sent.

7 ) Requested but never received all the necessary information from Loan Science in an attempt to resolve this issue outside of court. 
8 ) Total current amount of debt Loan Science is seeking from Plaintiff is {$26000.00} 9 ) Monthly payments being paid to Loan Science is {$140.00} until paid off.

10 ) A complaint has been filled with Federal Trade Commission Online Portal. Reference number is XXXX.
Complaint sub-issue: Debt is not yours

In XXXX of XXXX I reported this debt as fraudulent. The debt was verified as fraudulent by XXXX XXXX XXXX using the account number provided by the previous collection agency. The account number provided wasn't even in their database. The debt was subsequently removed from my credit reports by XXXX because it was determined that the debt was fraudulent. In the previous complaint I requested the contact information of the seller of this debt so that I could ensure permanent closure of this matter. XXXX XXXX XXXX refused to provide that information which left me open to more fraudulent reporting of this fraudulent debt. Since CFBP doesn't require transparency on where they obtained the fraudulent debt we can't actually file a complaint against the company that initiates the fraud, instead, I am forced to file a complaint against the collection agency. The fraudulent debt was reported as late as of XX/XX/XXXX, the current date given is XX/XX/XXXX. It can't be both and be true. During the initial investigation XXXX couldn't provide any details other than my name. The new collection agency has far more information which means that by filing these complaints they have been able to piece together more of my information which only strengthens their case, leaving me fighting to prove they are wrong, meanwhile, they aren't required to share ANY information on where they supposedly obtained the debt. Please see the attached documents showing the grave inconsistencies in this debt.
Complaint sub-issue: Account information incorrect

I have sent several letters from XXXX without any resolution. My name appears incorrect after I have sent documentation proving who I am. My credit report shows information from XXXX XXXXXXXX and XXXX that has not been verified to be accurate. My credit report from all three credit bureaus should be wiped clean due to all of the inaccuracies. I have several inquiries that are incorrect as well. 

Equifax XXXX XXXX XXXX have not done there due diligence in protecting my credit report. When I question false documentation they do not rectify their mistakes.
Complaint sub-issue: Their investigation did not fix an error on your report

I reached out to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX via certified mail in regard to an auto loan account that is involved in an ongoing XXXX case. 
In the later part of XXXX or early part of XXXX, I was considered XXXX due to a work injury, which XXXX XXXX was made aware of the XXXX case and deemed XXXX XXXX XXXX responsible for taking over my payments and submitting them to Jovia on my behalf. Since this agreement went into effect, I now have more than 10 late payments being reported to the credit reporting agencies; dropping my credit scores tremendously ; and leaving my credit profile damaged because of the number of late payments Prior to this, I have always had an outstanding relationship with XXXX and made every attempt to pay my bills on time. Therefore, due to the nature of the issues being that it was a XXXX case and their insurance company, I reached out to XXXX on XX/XX/XXXX by phone to discuss my concerns regarding this matter and was told that " they could not help me and that I would have to reach out to the credit bureaus to dispute it ''. I even went to the extent of paying the final payment bring the account to a XXXX balance in hope that this would be resolved. 

I do not understand how XXXX was not able to help me resolve this when they are the one who reports the account status to the credit reporting agencies. This matter has caused a great amount of stress from being denied for credit and now my character has been questioned as if I don't pay my bills on time. 

I respectfully ask, due to the nature of the issue stemming from a XXXX case that they DELETE the account from being reported to XXXX XXXX, XXXX, Equifax and XXXX or update all the late payments on this account to paid on time and as agreed. If this is not or I will have to seek legal counsel. 
Please see the attached letter of the certified tracking numbers for letters that was sent out
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - the truth and lending act. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Information belongs to someone else

I have disputed these very accounts but yet and all, after the 3 major credit bureaus investigation, their response is accounts been verified. Now I'm requesting the Method Of Verification, who verified these accounts, how and when, and according to the FCRA, I have the right to this information or the accounts shall be deleted. The accounts are as following.. XXXX  XXXX XXXX, {$3300.00}, XXXX  XXXX, {$140.00}, {$19.00}
Complaint sub-issue: Investigation took more than 30 days

I submitted a public record investigation request to LexisNexis XX/XX/2019. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA
Complaint sub-issue: Need information about your loan balance or loan terms

Balance has not updated since XX/XX/26. No refund on balance requested.
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX and XXXX  Account # 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: Unexpected increase in interest rate

I pay my bills by checks monthly when I receive the statements in the mail. In XXXX when I got my statement for this credit card it said I had missed XXXX payment so I called and paid over the phone and got it straightened out. I never received the XXXX statement in the mail, I guess the post office is overworked right now like everyone else. I realize its my responsibility to make sure my bills are paid every month and I have been a loyal customer with them for many years with NO late payments. When I called them and told them what happened he dropped the late fee but I later discovered my credit limit had dropped by {$6000.00}! And that affected my credit score. 
In XXXX they again tried to say I missed a payment when I called to see why it hadnt posted yet and they said they had not received it. I told them I had mailed the check on time, but to avoid any trouble I paid it over the phone and cancelled the check. The very next day I got a text that they had received the check. I can not control the US Post Office or the lack of employees to do the jobs at the credit card company. Its just a little weird that this is the ONLY CREDIT CARD I own that is having these issues. 
What is happening?? 
I have tolerated the lower credit score and credit limit but to increase my interest rate from 13 % to 29.84 %?? 
I dont think so.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters in XXXX in regards to collection accounts on my report asking for them to be validated or removed and neither was done
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

First Progress Credit card company is reporting late " Payments '' on my credit report. This is a violation of my consumer rights as I did not give XXXX, XXXX, or XXXX written consent to report these derogatory markings on my report. According to 15 USC 78m ( q ) ( 1 ) ( C ) the term " payment '' is defined as C ) the term payment ( i ) means a payment that is ( I ) made to further the commercial development of oil, natural gas, or minerals ; and ( II ) not de minimis ; and ( ii ) includes taxes, royalties, fees ( including license fees ), production entitlements, bonuses, and other material benefits, that the Commission, consistent with the guidelines of the Extractive Industries Transparency Initiative ( to the extent practicable ), determines are part of the commonly recognized revenue stream for the commercial development of oil, natural gas, or minerals ;. How then can these alleged " late payments '' be reported on my credit and consumer report, when the definition of " payment is not applicable to the cause. This can not be so! 

According to HJR 192 PL 73-10, " The American debt is XXXX dollar for dollar '' Due to the fiat currency being null & void because it is no longer backed buy Gold or silver. Therefore, I am demanding that these derogatory infractions fictiously described as late payments be removed from my credit and consumer report immediately. 

These derogatoriness are reported to account ending in XXXX XXXX, XXXX and on account ending in XXXX on XXXX, XX/XX/22 As this is defamation to my credit history and oppressing me financial, hindering me from approval with other lenders. 

This is a violation of my consumer rights and I hereby exercise them in accordance to TITLE 15.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2017 I attempted to dispute negative items reporting on my credit report with all 3 credit bureaus. XXXX and XXXX have replied and removed the items from my credit report, however Equifax has not responded to my request. This is a clear violation of my rights as a consumer based on the guidelines of the Consumer Protection Act.
Complaint sub-issue: Talked to a third party about my debt

On XXXX XXXX, 2015, I received a call from an XXXX number on my cell phone and since I was at work, the call went to my voice mail. My announcement on my voice mail, starts by identifying myself by first and last name. This call came in XXXX XXXX. At XXXX, I received a call from my father, saying XXXX had contacted him stating they have been trying to contact me and they think I must of changed my phone number and address, then asked how to contact my daughter-in-law, who I had given them permission to call and discuss any payment problems with ( the loan is in my name and my son and daughter in law make the payment since they drive the auto ). My dad, being XXXX years old, panicked and called me thinking something was wrong. XXXX minutes later at XXXX XXXX, I received a call from the son on my deceased girlfriend, saying he had received a similar phone call, but they only stated they have lost contact with me and wanted to know how to reach me. I have had the same phone number for about 17 years, and the same address since I purchased the auto where I receive my monthly statements and all other correspondence from them at.
Complaint sub-issue: Their investigation did not fix an error on your report

the following accounts have been disputed on these dates for these reasons : XXXX-XXXX-19, XXXX-XXXX-19, Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX # XXXX