Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with fees

My XX/XX/XXXX statement for {$4100.00} was due on Sunday, XX/XX/XXXX. My payment posted the next business day, Monday, XX/XX/XXXX. I was charged a late fee of {$25.00} and Interest of {$69.00}. The Credit Card Accountability Responsibility and Disclosure Act of 2009 Section 106 ( 2 ) states, WEEKEND OR HOLIDAY DUE DATES.If the payment due date for a credit card account under an open end consumer credit plan is a day on which the creditor does not receive or accept payments by mail ( including weekends and holidays ), the creditor may not treat a payment received on the next business day as late for any purpose ( ftc.gov ). My payment was due on a Sunday, a date which the company can not receive mail, was paid by my bank electronically on the following business day, and therefore, should not be treated as late for any purpose. This is the second time this has happened to me. The first time was in XX/XX/XXXX ; my payment was due on Labor Day - Monday, XX/XX/XXXX and was paid on Tuesday, XX/XX/XXXX. The automated system removed the fees when I called in to Citi Bank. Now I'm being told that was a courtesy credit and Citi will only issue one per year. The credit should not be a courtesy ; it should be applied because the company is not following the Act mentioned above. I believe what the company is doing is illegal and is causing financial harm to others and to me. 
Thank you,
Complaint sub-issue: Their investigation did not fix an error on your report

Dear CFPB, it has been a few months since I have dispute this collection account that is not mine with Equifax, XXXX, and XXXX. To date this has not been resolved. 

I solemnly swear that I have not had an account with XXXX at any moment of my life. 

I had came on hard times because I lost my job and due to this collection account remaining on my profile I was denied for credit products that I would have been approved for. 

CFPB XXXX, I ask that you support me in the effort to have this account removed for goo so that my credit score can go back to normal. 

I am attaching the letters that I have mailed to each credit bureau to this complaint. 

By law please have these agencies put into effect that this account will be blocked or deleted from my credit profile immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a problem with XXXX loans that are reporting that I did n't have. The Rep says they were consolidated and sold to another company but that company is not listed on my report. There are also XXXX loans that were consolidated but the old loans were not closed on the report after the consolidation so they reported with late statues even XXXX years after the loan were consolidated. I reached out to XXXX XXXX XXXX but there record keeping is so poor they ca n't seem to figure out when they took over the loans. The companies are XXXX XXXX XXXX and XXXX XXXX and XXXX and XXXX : XXXX
Complaint sub-issue: Information belongs to someone else

I am referencing the account : XXXX XXXX XXXX XXXX : Date Opened : XX/XX/2018, ( Account Number : XXXX ), Account Type : Mortgage. XXXX XXXX XXXX XXXX put a XXXX XXXX XXXX for the month of XXXX on my credit file inaccurately. XXXX XXXX XXXX XXXX, Equifax, XXXX, and XXXX is Violating the 15 USC Section 1681 ( d ) ( 2 ) ( A ) ( i ) : Which states : " report containing information as to transactions or experiences between the consumer and the person making the report. In addition, a second violation have been made made under 15 USC Section 6802 ( b ) ( 1 ) : Which states : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Therefore, I'm rest assured that I have a good case in a lawsuit. Please do not make me have to go that direction. A 30-Day Late Payment needs to be removed from my credit file immediately, due to XXXX. I was very ill during the months of XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Therefore, XXXX XXXX put a 30-Day Late Payment negative mark on my credit, which is very awful and is negatively affecting my credit score where it is affecting me from obtaining things for my living situation and business. Please remove this 30-Day late payment for the month of XXXX immediately. If this is not remove within 15 days, then I will be filing a lawsuit against XXXX XXXX XXXX XXXX, XXXX, Equifax, and XXXX. Please work with me in this matter to get this updated and corrected immediately. Thanks a lot! 

Sincerely, XXXX XXXX XXXX.
Complaint sub-issue: Personal information incorrect

Equifax has my named spelled incorrectly. They told me to correct the problem I needed to fax a letter along with my ID and social security card. I have faxed it twice and the spelling is still not corrected. They have my name spelled XXXX and it is XXXX.
Complaint sub-issue: Didn't receive enough information to verify debt

This complaint is in regards to Alliance CAS, a debt collection agency that was retained by our now former management group whom was terminated for their questionable " professional '' actions. 

Alliance CAS maintains that they have attempted to contact me, their primary case is that it was via email, which twice in one day had to be corrected that they had the wrong email address. ( On a recorded line ). No effort was made in part by this company to contact me and resolve my debt in any formidable way. Not by email, direct phone contact ( they call every few months allegedly and do so from a blocked number. As if any reasonable person answers unknown numbers these days with the amount of robocalls regarding auto-warranty renewals, and they never leave a message ), and not by direct mail either. Their consolidation statement proves that fact. 

Now with that said, no written contact to the debtor is a violation of the FDCPA. All the while of maintaining " no contact, '' this company has been piling on " administrative/oversight '' fees to the absurd amount of {$250.00} a month, quickly tripling the amount of legitimate debt in question in 2 years time. 

This is not the first attempt I have made to resolve this debt either. I contacted this company in an effort to resolve this issue on 2 prior occasions. On one attempt they offered me a structured payment plan that to engage in required a deposit that didn't apply towards the balance but rather increased the balance by {$600.00} just to start a payment plan. On my second attempt, the management company and Alliance CAS took turns passing me back and forth from each other because neither company had a record of who held my debt. 

Frustrated, I now find myself in a hole way deeper than what the legitimate debt is actually for. If you find yourself with a debt in question with Alliance CAS, pay it now or be prepared to contact a lawyer.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

Having problems trying to freeze my account information after the security breach at Equifax!
Complaint sub-issue: Was not notified of investigation status or results

I submitted ( via certified mail ) a dispute, FTC report, and all qualifying identification information to Equifax on XX/XX/2021, regarding a fraudulent account on my credit report. The information arrived to Equifax on XX/XX/2021. 

This is the tracking number for the mailed dispute : XXXX. 

The fraudulent account in question, is XXXX XXXX XXXX ( Auto ). 

I reached out Equifax to check the status of my dispute on XXXX XXXXXX/XX/2021 @ XXXX. I was informed that my dispute was still in progress ( even though bureaus must block information resulting from identity theft within four business days ), and to check back on XX/XX/2021. 


I called Equifax today ( XXXX XXXX ) @ XXXX XXXX. I spoke with a representative named XXXX ( employer ID : XXXX ), who informed me that my FTC report was received and valid, however she could not give me the status of my dispute. 


I am reaching out to you all to correct this issue. Equifaxs inability to report accurate and truthful information has hurt my credit score, and damaged my ability to gain employment, housing, and funding. 

Equifax has made it extremely hard to comprehend them on the phone, they transfer me repeatedly, and disclose personal information without validation. 


Please resolve this.
Complaint sub-issue: Information belongs to someone else

I'm filing this report because I have been a victim of identity theft for a very long time. I have literally contacted every creditor regarding this matter because this issue has been taking place for a very long time. My personal information has been compromised from the first month that I arrived to the United States. I arrived to the XXXX at the state of California at the end of XX/XX/XXXX and ever since I lived in the state of California. At XX/XX/XXXX, identity thieves used my personal information such as social security, name, date of birth and etc. to open multiple accounts with XXXX XXXX. Later, they used my information to open an auto lease using my personal information with XXXX XXXX XXXX. When I contacted XXXX XXXX SERVICES to inform them of this fraudulent activity recently they told me there is a balance over {$8000.00} and it needs to be paid by me. I informed them that I never leased or bought a vehicle with XXXX because I can not afford a XXXX and that is the harsh reality. However, they still insist that the account is mine. I never signed any documents with XXXX and I never leased a vehicle with them because I know my financial capabilities and I can not afford a XXXX. XXXX is refusing to even conduct an investigation. This is an identity theft matter and XXXX representatives are taking this as a joke and not even complying with my request to remove this derogatory account from my records. If this is the case of an identity theft or case of mistaken identity it does not matter to me. I request that this vehicle loan is removed from my records because I never leased or bought a XXXX. I've been told the vehicle is a XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) I have already called XXXX XXXX XXXX  and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX and XXXX   however Equifax has not removed this from my report. I have contacted the bureau to fix this issue. This negative reporting is harming my credit score.
Complaint sub-issue: Account status incorrect

This company appears on my XXXX credit profile as delinquent and Ive never applied for an account with them. I have a credit freeze on my credit bureaus and have attempted to contact them ( email only because their phone number doesnt take calls or accepts voicemails ) but havent gotten a response back. Im showing ( 2 ) months behind on a account that I didnt apply for and havent used. This is very disturbing to me. I have challenged this debt on my XXXX report and what some remedy. Any assistance you may be able to afford would be greatly appreciated. 


Thank you, XXXX XXXX
Complaint sub-issue: Account information incorrect

We have XXXX XXXX Account ( {$28000.00} ) account number XXXX, and there is two listings on the Equifax report. 
May we please have the second one ( {$28000.00} ) account number XXXX removed as it is does n't exist or it is a duplicate We only have one account with XXXX from XXXX XXXX XXXX/XXXX. 

XXXX XXXX XXXX XXXX Installment BUREAU DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR XXXX XX/XX/XXXX - {$370.00} {$28000.00} XX/XX/XXXX PAYS AS AGREED - Co-maker BUREAU DAYS PAST DUE HISTORY DATE 24 MONTH HISTORY 30 60 90 Equifax XX/XX/XXXX ____________________________________________________________________ ACCOUNT NAME ACCOUNT NUMBER ACCOUNT TYPE XXXX XXXX XXXX XXXX Installment BUREAU DATE OPEN HIGH LIMIT MONTHLY PAYMENT ACCOUNT BALANCE LAST REPORTED ACCOUNT STATUS AMOUNT PAST DUE ACCOUNT DESIGNATOR XXXX XX/XX/XXXX - {$370.00} {$28000.00} 09/2017 PAYS AS AGREED - Joint Account COMMENTS FIXED RATE BUREAU DAYS PAST DUE HISTORY DATE 24 MONTH HISTORY 30 60 90 Equifax 09/2017
Complaint sub-issue: Information belongs to someone else

This is my formal response to Equifax, demanding they remove fraudulent items from my credit report. XXXX, XXXX XXXX Equifax received a formal complaint through certified mail XX/XX/XXXX. 
The ID Theft Report expressed in detail how I was a victim of ID Theft, and how 4 automobiles were purchased in my name unbeknownst to me. XXXX and XXXX XXXX promptly deleted all 4 cars from credit report according to FCRA code 605b ( 15 U.S.C.1 681 c-2 ) Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 ) days business days after the date of receipt by such agency of : Equifax has refused to remove ALL fraudulent items from my credit, even though Equifax has, by their own admission received my full ID Theft Report, Equifax did in fact remove one of the fraudulent cars. Yet they continue to ignore FCRA and FDCP statutes. violation of FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Their lack of communication with me is a violation of FCRA 611 ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

As I am sure Equifax is well aware, under FDCPA Section 809 ( b ), is not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES XXXX XXXX FOR THE DISTRICT OF ARIZONA, XXXX,
Complaint sub-issue: Information belongs to someone else

This XXXX credit card when never opened by me and needs to be removed from my credit report
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payments from XXXXXXXX XXXX
Complaint sub-issue: Public record information inaccurate

unauthorized used of my consumer report and fraudulent use I have contacted my local bankruptcy court and they have notified me in writing that they DO NOT report bankruptcy to credit reporting agencies or Lexis Nexis. Lexis Nexis has advised they received this information from my Bankruptcy Court please read notification from my local bankruptcy court stating that is false.
Complaint sub-issue: Right to dispute notice not received

I was never given any information regarding the debt being collected. I never received a letter regarding the debt verification. I have plenty of information on the falsification of the amount of debt that is owed.The rental company also submitted the debt almost 2 years after I had vacated the home. When I attempted to get information about the debt and what I was getting charged for, to sent me a " Make Ready Expenses '' report, with no receipts and no explanation. They just kept telling me I had to pay the debt with in 24 hours or they would prosecute. 

I was charged on their " Make Ready Expenses '' report for {$1400.00} for AC expenses over the period of almost a month. I was charged over {$1500.00} for landscaping cost, which was part of the dump pile they left when we first moved in ( it 's on Move In damage list report. 
All of these fees including the landscaping, and AC totaled {$5500.00}, with no explanation with most of these repairs being something we struggled with the whole time living there. 

They charged me many fees on trash and dump, which they allowed someone to come into OUR home while we were in the process of moving out and had stuff stolen, aquarium broken, and boxes that were gone through. 

Through out the time of living there, we had to deal with mice, them coming out constantly to fix the AC, as well as fighting XXXX when we first moved into the home. Which I requested an extermination to be done prior to move-in that was never done because of the countless bugs we saw during walk through. The only reason why they called an exterminator was because my roommate received a letter from the doctor stating the home was hazardous to her health. 

Moving into the home there were countless holes and damages as well as the yard being poorly maintained, and constantly high water bills because of the leaks.
Complaint sub-issue: Card opened as result of identity theft or fraud

On or about XX/XX/XXXX an account was opened in my name through US Bank unauthorized. I notified them first on XX/XX/XXXX XXXX and again on XX/XX/XXXX XXXX via signature required UPS of my dispute. Both times they failed to respond as required by both the FCRA and the FDCPA.
Complaint sub-issue: Information belongs to someone else

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Investigation took more than 30 days

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see accounts that does not belong to me.
Complaint sub-issue: Their investigation did not fix an error on your report

According to   XXXX   and Equifax, I have an account with a collections company named  XXXX   XXXX   XXXX . I have requested validation from  XXXX   XXXX  since  XXXX  of    2015  with no response or validation that I owe a debt, so I s ent two  certified letters to both   XXXX   and Equifax in  XXXX     2015  and not only have they never responded back to me, but they never verified the debt that they alleged that I owe. Also, the collection has been removed 5 times on both credit files and were put back within 5 days with no notice sent to me as to why -- -that is a violation and subject to fines according to the FDCPA. If the alleged collection account can not be validated as mine showing that I had a contractual signed agreement to pay  XXXX   XXXX   XXXX  then it needs to be removed off my reports permanently.
Complaint sub-issue: Didn't receive enough information to verify debt

XX/XX/XXXX - Initial Dispute with Credit Bureaus requesting Verification ( no verification supplied ) XX/XX/XXXX - Method of Verification Request Sent to Credit Bureaus ( no details regarding creditor, dates, added info supplied - no change ) XX/XX/XXXX - Wrote to bureaus again requesting verification of the debt and no verification received regarding this account again. 
XX/XX/XXXX - Escalated and sent Validation Letter directly to the collection company ( no true validation has occurred up to this point ) XX/XX/XXXX - I received a bill from the collection company, not validation - it is attached XX/XX/XXXX - Again, I requested full validation on this account again- they supplied a letter stating the sent full validation ( the letter I received on XX/XX/XXXX attached, but again this this is not validation of a debt, it's merely a bill ) XX/XX/XXXX - I received the same bill as a response, with the statement that the debt had been validated back in XXXX ( as you can see from the letter they sent in received XX/XX/XXXX - it is a bill, not legal validation/ Per my consumer rights there are details legally they should be able to provide me the consumer that has not happened. A bill is not validation. 

I will attach proof of the validation requests I have sent. Legally they should be able to supply the following upon request, I do not know what this is for and I am trying to find out and still have not found out. 


What they sent me does not prove that I owe this debt. I requested multiple times they provide legal validation to include the following : ( 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect this debt in my state.

( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company assessed the outstanding debt.

( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own or is this debt assigned?

( 11 ) .Copies of all letters sent to me from you and the original creditor regarding this debt.

( 12 ). How much did you buy the debt for? ( 13 ). When
was the last time a payment was made on this debt?

( 14 ). What fees/interest were tacked onto the debt?

( 15 ). How were the fees determined?

It has now led me to file a complaint with the CFPB, because I have been requesting information and it has yet to be provided. I have followed all channels from disputing/investigating validity with the bureaus and the creditor and no one has validated or supplied any of the actual supporting documentation that by law they should be able to supply.
Complaint sub-issue: Their investigation did not fix an error on your report

I have paid off my account which is now a XXXX balance. The last reporting on my credit report is showing that I owe more than {$1900.00} XXXX  and XXXX XXXX  Account ( XXXX XXXX ; Main account holder and fiance ) ; Account # XXXX. Please rectify this issue to show a XXXX  XXXX  and that I am in good standing with a XXXX  balance. XXXX stated that there was an error per phone call ( which is FCC regulated and confirmed via recording ), according to the Fair Credit Reporting Act. Please fix this issue immediately as I am buying a new home and this has negatively impacted my score to do so due to the debt to income ratios.