Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: No notice of investigation status/result

This is my second complaint about the same investigation that equfiax has claimed it verified with a debt collection company that i had filed a complaint on with CFPB Complaint number XXXX which Equifax claims is correct and was verified. However, XXXX was unable to verify the information that Equifax claimed that trident verified. They did n't even show proof of verification other than a statement they verified it with my name and social which was a lie since trident was unable to locate any of that info. I will attach my Equifax credit report, my original complaint XXXX which Equifax lied about that they verified, and my complaint against trident in which they admit that this was incorrect and have requested deletion off my reports with cfpb complaint number XXXX. I demand they remove this item off my credit report and review their so called " Verification Procedures '' which obviously are not true.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I didnt give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX  XXXX {$6900.00} XXXX XXXX XXXXXXXX {$1800.00} XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$41.00} XXXX XXXX XXXX {$39.00}
Complaint sub-issue: Account status

Equifax has not investigated any of my accounts - Congress states that once I notify them that there is inaccurate information, they must initiate an investigation and the burden is on them to prove that their information is incorrect. They did not investigate, they did not attempt to investigate and this information has been sent to them 5 months in a row with no results whatsoever. I will be hiring an attorney to act on my behalf as I now have proof that they have violated many laws. Why are n't they helping me? I have clearly stated my disputes and I am sending you ALL of the letters that I have given them. 
Please see attached letters which substantiate my claim.
Complaint sub-issue: Delay in processing application

On XX/XX/2020, Wednesday around XXXX I received a call about a new card I had a application at US Bank in ZIP code XXXX phone number XXXX. A Mr. XXXX with the XXXX XXXX XXXX. was rude and unprofessional and disrespectful towards me in his questioning me on a new XXXX XXXX application. He ask me for my college degrees to see if I was really a XXXX. This was nothing to do with my income at all. He first said I can email the things he needs, then stop then told me to go to the bank to have them email the paperwork to him. He had no corners about my health with the virus out there.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/ I submitted letters to the credit bureaus informing them about inaccuracies that appeared on my credit profile. I haven't heard anything back from them and it's been over 45 days. I feel like I am being taken advantage of and I will take this matter to court if I have to. These inaccuracies are holding me back and is causing me a tremendous amount of stress. I found out recently that I was impacted by multiple data breaches, and I know for a fact that somebody had access to my information. Section 611 ( a ) states failure to respond within 30 days should result in automatic deletion.
Complaint sub-issue: Debt is not yours

XXXX, XXXX # XXXX After a careful review of my credit report, I notice that I owe an outstanding balance. I would like to let your company know that I am disputing your claim. Under the FDCPA, I can request verification from third-party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC. Under the FDCPA Section 807,811 ( a ) ( 2 ), 1692 e ( 3 ), and 1692 e ( 10 ) ; and the Ohio Law 1319.12 ORC Taking Assignment of Debt, you failed to submit the proper documentations to validate the debt. So, I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned that 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 on how your company assessed the outstanding debt.

5. Payment history from the original creditor.

6. Name and address from the original creditor.

7. Company if the original contract bearing my signature.

8. Where is the notification of debt?

9. Proof of transfer of debt.

10. How was the interest and accounting principles accrued?

11. Where is the exchange of title of ownership?

12. Where is the contract for 1319.12 ORC Taking Assignment of Debt ( C ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.

Thank you for your time and cooperation.
Complaint sub-issue: Company closed your account

I opened an account with XXXX XXXX ( serviced by Key Bank ) on XX/XX/XXXX. I funded the account two ways, first with {$5.00} from a XXXX XXXX account, and second with four {$500.00} money orders purchased on XX/XX/XXXX. I then referred a friend to XXXX, who received his referral bonus and still has a working account with them today. 
The funds from the money orders were held until XX/XX/XXXX, and when I tried to access the account soon after that date the online banking platform rejected my login, saying to contact the bank to verify my identity. 
I went through many calls trying to figure out what the problem was, and no one at XXXX XXXX could tell me anything other than that the funds were approved and available, but my account was under review for an unknown reason. 
Key Bank sent me a letter notifying me of suspected suspicious activity on my account on XX/XX/XXXX, and that my account was under review, but I never heard from them again until last week, XX/XX/XXXX, when I received a letter dated XX/XX/XXXX informing me that they honored my request to close my account and were including a check for the closing balance. 
The check they sent was for {$5.00}, and there was no mention of the additional {$2000.00}. I was already told verbally by an account representative that the funds were approved, and I received a statement from XXXX XXXX at the end of XXXX that confirmed my account held {$2000.00}. I even contacted XXXX XXXX and confirmed that all four money orders had been cashed. I am including the pictures of the money orders and receipts for all of them. 
This is theft. It is so unprofessional and unacceptable to close my account without verifying anything with me, asking me any questions, or communicating with me at all. And it is even more ridiculous to close the account and pretend the {$2000.00} balance never existed, even when they sent me a published statement confirming the balance at the exact same time.
Complaint sub-issue: Was not notified of investigation status or results

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
1. I have never been late with payments on this account. 
XXXX  XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. I have never been late with payments on this account. 
XXXX XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

XXXX. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX please delete it immediately. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Dont recognize/ old sold vehicle XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Us bank- XX/XX/XXXX
Complaint sub-issue: Debt resulted from identity theft

XXXX 
ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you XXXX. or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : XXXX. or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Citibank N.A, Best Buy Credit Card accessed my credit report without any consent from me. When I called and attempted to fix teh issue by advising the company that the inquiry was done without any authorization. The company seemed confused and said they had no record of the credit request despite it being on my credit report. When requested that they withdraw the unauthorized request they acted confused and disorganized. This request was fraudulent and done without any authorization and needs to be removed. A large bank should know better than to request credit without authorization and should have a means to correct their mistakes.
Complaint sub-issue: Didn't receive notice of right to dispute

I put my XXXX  subscription on vacation, the customer representative for dish had no problem doing that for me I picked the time frame and he said I was all set. I go on vacation, while on vacation the person that was watching my house told me I received boxes from XXXX. When they opened them for me they found packing to send the XXXX  equipment back. When I contacted XXXX  the told me that they had canceled my subscription because I put it on vacation with out paying the current months bill which was not even due yet at that time. XXXX never contacted me to inform me of this before they canceled. Since it was canceled early they charged me a early termination fee which almost doubled my bill. Since I was not expecting that extra fees for something I did not ask for I was not able to pay the bill at that time so XXXX  sent it to collections. When collections contacted me I told them I was disputing this with XXXX  and was not going to pay them at that time. Several months later it appears on my credit report forcing me to pay it with out any notice or contact from XXXX  or the collections agency. I paid it immediately to XXXX. Then I asked collections to remove it from my credit report since I had paid XXXX  directly. They told me no, when I asked to speak to the department that handles there credit reporting they again told me no and that it was going to remain on my credit report.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Inquiries : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 XXXX Inquiry Date : XX/XX/2021 XXXX XXXX Inquiry Date : XX/XX/2021
Complaint sub-issue: Frequent or repeated calls

Company has called me repeatedly and does not make proper documentation on the account ; manager has called and left threatening messages about the next course of action ; also did not have receive any documentation in the mail about this debt ; I spoke to them about resolving this debt since I am going through a financial hardship ; company was paid {$200.00} XX/XX/2022 and {$100.00} on XX/XX/2022. Still received phone calls after setting up an arrangement for the next 3 months ; also representatives who answer the phones are VERY unpleasant and rude/unprofessional ; also has called my family members to harrass them AND talking about my personal information which is against the law
Complaint sub-issue: Information belongs to someone else

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX and XXXX XXXX XXXX XXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Complaint sub-issue: Deposits and withdrawals

Cash App has a boost offer where if you receive {$300.00} in direct deposits from your employer you are supposed to receive {$30.00} off any purchase you receive over {$30.00}. I signed up for direct deposit using the information provided to me by cash app and on XX/XX/XXXX my employer issued my direct deposit payment to Cash App for my salary. Cash App held the deposit for a few days and ultimately returned it to my employer. I feel I should be entitled to the {$30.00} offered through the promotion since I used the information that was provided to me by Cash App. I have submitted documentation to show the setup of the account in our payroll system, I have sent copies of my paystub showing the deposit, I have sent the notice I received from the payroll specialist at work but they refuse to honor the promotion they have offered.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe
you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$170000.00}, and XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$570000.00}.
Complaint sub-issue: Trouble with how payments are being handled

I set up auto-debit for payment on my bifurcated student loans in XXXX 2017. When I checked back on my statements from the last two months, I saw that while the combined monthly minimum total from both loans of {$380.00} was still the amount I was charged, the allocation between the two loans was skewed to favor the lower interest loan. 

Under normal circumstances I am required to pay a monthly minimum of {$230.00} towards my 5.590 % fixed rate loan ( " Loan 1 '' ) and {$140.00} towards my 5.960 % fixed rate loan ( " Loan 2 '' ) for a combined total of {$380.00}. 

I am paid ahead approximately one year on Loan 2. Over the last two months, the allocation has put approximately {$50.00} of the allocation from Loan 2 into Loan 1 instead, i.e., MOHELA has been allocating ~ {$280.00} of my monthly minimum to Loan 1 and only ~ {$99.00} to Loan 2, eroding my paid-ahead status on Loan 2 and attempting to collect longer on the higher interest loan. 

I have called the company and they have promised to change my accounts, but my concern is that there are many people out there who would n't know to check the difference, or maybe they did n't borrow the money to get an accounting degree. In either case, I think it merits a look because I 'm sure there are others who have been impacted by similar practices.
Complaint sub-issue: Problem with product or service terms changing

Equifax mishandled my information and has now put me at risk of identity theft. Their website shows that my information was included in the breach.
Complaint sub-issue: Information belongs to someone else

My identity has been compromised inwhich resulted in unknown and unauthorized accounts reporting on my credit file inwhich I have no knowledge of, therefore I'm demanding that these accounts be blocked and removed immediately from my credit file, if not then the 3 major reporting agencies shall show just cause via a Method of Verification and if this can not be honored then the following accounts shall be removed. 

1 ) XXXX  XXXX XXXX 2 ) XXXX XXXX {$710.00} 3 ) XXXX XXXX {$580.00} 4 ) XXXX XXXX XXXX {$540.00} 5 ) XXXX XXXX XXXX {$530.00} 6 ) XXXX XXXX XXXX {$270.00}
Complaint sub-issue: Account information incorrect

XXXX is refusing to remove 9 late payments that they claim were after my XXXX began, XX/XX/2016. The supposedly late payments are still inflicting emotional damages upon me because Im XXXX XXXX  XXXX, they dont need to be adding insult to injury. Those 9 late payments still effect the repair of my credit and reputation.
Complaint sub-issue: Debt was result of identity theft

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1971 ADDRESS XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX TX XXXX ERC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ERC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/1971 ADDRESS XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX XXXX