Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Complaint sub-issue: Debt is not yours

XX/XX/2018 I RECEIVED A LETTER FROM AMERICOLLECT CLAIMING I OWE THEM A DEBT FOR SERVICES NOT RECEIVED FROM THEM, I RESPONDED WITH A VALIDATION REQUEST XX/XX/2018 IN WHICH I RECEIVED NO REPLY AT THIS TIME. XX/XX/2018 WHILE LOOKING AT MY CREDIT REPORT I NOTICED AMERICOLLECT REPORTING ILLEGALLY AN ACCOUNT I'M DISPUTING WITH THEM ON ALL THREE MAJOR CRA 'S CAUSING A NEGATIVE IMPACT. I REACHED OUT BY PHONE TO BE RUDELY SPOKEN TO BY THEIR REPRESENTATIVE. AMERICOLLECT IS REFUSING TO SEND VALID VERIFICATION AS REQUESTED IN WRITING. AMERICOLLECT IS REFUSING TO REMOVE THIS UNVALIDATED UNVERIFIED ITEM.
Complaint sub-issue: Used obscene, profane, or other abusive language

I was on a payment agreement set up by attorney XXXX XXXX XXXX # XXXX for an account that I never got the opportunity to have validated original creditor was XXXX XXXX, but they served me papers and threatened putting a lien on my house so my wife insisted we start paying. The {$160.00} payment was automatically taken out of our account biweekly and XXXX XXXX stated he would call me when it was time to renew the auto debit. He or his office did not. My wife noticed the payment was not taken out of our joint account and assumed I used my personal account to make payments. 3 months later of no payments and 14 messages left for this attorney I finally get someone who will talk about my case. I was told XXXX XXXX filed a wage garnishment against me for non payment and even if I paid the {$4000.00} balance they would not stop the wage garnishment. I demanded to have XXXX call me immediately and when he did not only did he use profanity, call me out of my name, talk down on my ethnicity, when I told him it was illegal to take money from me in excess of what was owed he told me he can and will do whatever the XXXX he wants to do and slammed the phone hanging up on me! 5 days later I get a wage garnishment in the mail from Michigan XXXX XXXX Treasury and I object it with the court. The paper states I have 14 days to dispute it. I had {$690.00} garnished from my paycheck exactly 8 days after this attorney refused to stop the garnishment if I paid the balance in full, was vulgar and unprofessional and hung up on me. I contacted the court who stated my 14 days has expired and this attorney served me the papers later than he should have. I contacted XXXX XXXX who would not help and referred me back to XXXX XXXX XXXX at Rausch Sturm. My wife and I called repeatedly over several days and left messages and got no return calls, my wife emailed and got No reply. How is this legal to talk to someone like this, threaten them, use such vulgar language and tell me they can make me pay double on an unverified debt??
Complaint sub-issue: Information belongs to someone else

I disputed accounts that are reporting on my credit file by your company in the file you maintain under my Social Security number. I was informed on 60 days ago that the item was deleted from my credit report. However, the items listed below were reinserted without notice : XXXX  XXXX  XXXX XXXX  XXXX/XXXX  XXXX FI Now I have discovered that the items has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I demand that you immediately delete the negative items from my credit report in order to avoid legal action. You have denied me of a fair dispute and you are in violation of my consumer rights. I am submitting this complaint separately to the Attorney Generals Office and the XXXX. Please act accordingly in this serious matter.
Complaint sub-issue: Debt is not yours

I want to hereby denounce XXXX XXXX XXXXXXXX XXXX for continuing to violate the FDCPA. Over 30 days ago I requested DEBT VALIDATION under FDCPA Section 809 - Validation of debts [ 15 USC 1692g ]. 

I requested the following documents : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

Nothing has been provided. 

The law clearly states that if a creditor ca n't validate a debt : They are not allowed to collect the debt, They are not allowed to contact me about the debt, and They are also not allowed to report it under the Fair Credit Reporting Act ( FCRA ). Doing so is a violation of the FCRA, and the FCRA states that I can sue for {$1000.00} in damages for any violation of the Act. 
A collection agency CAN NOT report a debt to the credit bureaus which has not been validated, and, I can sue in federal or state court for the violation they committed. I can receive {$1000.00} for the incident plus damages. 

XXXX XXXX continues to report negative information on my report fraudulently. This is my last attempt to have them comply with the law immediately before I move this matter to court.
Complaint sub-issue: Can't decrease my monthly payments

I attended XXXX XXXX located in XXXX, PA from XX/XX/XXXX to XX/XX/XXXX. In order to attend XXXX XXXX I received private student loans through the National Collegiate Trust. Upon graduation in XX/XX/XXXX, I have experienced difficulty paying my loans back due to poor wages and the birth of a XXXX child. However, I have done my best to keep NCT in the loop. At this time I am currently back in school full-time in order to obtain a better job so that I may pay back all of my student loans. All of my other student loans are currently in forbearance. I am not working, I am in school full-time. NCT has hired XXXX XXXX to handle the collection of the balance, despite the fact that XXXX XXXX XXXX manages to the payment schedule. XXXX XXXX called me XX/XX/XXXX and indicated that if I did not pay the loan or my cosigner did not pay, then NCT would liquidate the loan. At this point the associate indicated that they would then go after my co-signers ( my mother ) bank account and income. It is my understanding that this is improper behavior on the associates end and is threatening in nature. At this point no judgement have been rendered, so threatening to wipe out my bank accounts is egregiously out of line. It is also my understanding through research and communications with American Educational Services and National Collegiate Trust that XXXX XXXX is a scam.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2019 I contacted the company in regards to XXXX bankruptcy this is on my report and asked the method of verification and also for proof of verification. I received a letter stating the information was verified through a third party company called XXXX XXXX where they purchased my information. This alone is a violation of FCRA and USC laws. These laws state that i have the right to privacy meaning i did not give them authorization to report this information on my behalf. FCRA 623 ( a ) ( 5 ) states that if the credit bureau cant validate the information with the ORIGINAL CREDITOR they must remove the information from my credit report. Also be aware that NO COURT IN THE U.S.A. VALIDATES NOR REPORT to any agency or bureau. YOU HAVE 15 DAYS FROM RECEIVING THIS TO VALIDATE THIS OR REMOVE IT
Complaint sub-issue: Investigation took more than 30 days

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over XXXX  days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

on XX/XX/13 I advised the rep thru online chat I needed to file a dispute. It was from XXXX XXXX. He said he filed the dispute and gave me Ref # XXXX. I went online today and was going to payment another payment on my account and seen the balance was still the same. I spoke to XXXX thru online chat and he said a dispute was never done. gave him the ref # that I was given and he said it would not start like that. He pulled the charge up and said I would need to call the security team. The late payment saying I was 30 days late also needs to be removed from the credit bureaus since Citi never mailed me my statements. I have sent them a copy of the online chat from the XXXX saying it would be removed. I was told from that person and was also told from XXXX which is a supervisor saying it would be removed that it was a banking error. I'm sorry that I even took there credit card. Once this is done I will NEVER do business with CITI AGAIN. When you call this company and speak to different people you get different answers to your questions.
Complaint sub-issue: Need information about your loan balance or loan terms

1. I dont know dates but I took up thinkful in 2020 the company was extremely unprofessional and didnt provide the mentorship as was needed 2. I withdrew because the mentor lied to his company about my attendance when he was never present for them 3. The company handling never sent me info on how to pay online although that is my preferred method 4. I never received anything via mail 5. I have not heard from the company since last year 6. I will be paying the principal balance only I will not be paying interest since they did not give me the opportunity to pay and this will be removed from my credit immediately
Complaint sub-issue: Their investigation did not fix an error on your report

I have consistently disputed inaccurate and unverifiable information that is reporting on my credit report and I would like a thorough investigation and immediate deletion! It has really affected my life.
Complaint sub-issue: Non-sufficient funds and associated fees

I have signed up for alerts on my Key Bank checking account. They are almost instantaneous. Deposit alert, large transaction alert, low balance alert, etc. The " Insufficient Funds '' alert arrives in my inbox two days after the event. This way the bank can maximize the overdraft fees. 

This specifically happened to me when my balance was not sufficient to cover a transaction on XX/XX/22. Even though I had deposited a personal check to increase my balance, I was unaware of the bank 's policy to place a hold on the portion of the deposit that is over {$100.00}. In fact, I received a misleading alert that a deposit in the amount of {$300.00} had been made to my account. The bank really should have a disclaimer on that alert saying that certain deposits may be held for amounts exceeding {$100.00}, but if they were transparent that could limit their chances to make millions or billions in overdraft fees. Just the fact that they place holds on local checks seems to be designed to create negative balances. 

On XX/XX/22, two days later, I received the alert to notify me that my account balance was insufficient. This is also by design. THIS SHOULD BE ILLEGAL!!!
Complaint sub-issue: Account information incorrect

Purchased a vehicle in XXXX 2017 and received financing thru my credit union with a fico score of XXXX. Just received a letter from XXXXXXXX XXXX informing me that I was denied the loan due to information received from XXXX XXXX XXXX. Showing my credit score as XXXX with too many delinquent accounts and limited history at this phone. I currently do not have any delinquent accounts and have had the same phone number for almost 13 years. I read a few threads on them after receiving this and do not feel comfortable calling them to dispute this. Not sure what the CFPB can do but it was recommended that I report this. Hopefully you all can shed some light about their reporting practices Thank you for your anticipated assistance. 

XXXX
Complaint sub-issue: Account status

there are too many reports on my credit that have been paid off and are still in my reports and derogatory chargeoffs that shouldnt be there
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, I opened a dispute with Citi Cards regarding a fraudulent purchase made in the amount of {$370.00} on XX/XX/XXXX with a XXXX XXXX XXXX XXXX XXXX. The Case ID is XXXX. The dispute is still ongoing and despite having more information that would help them decide in my favor. However, I called in and was told by a customer service agent that the merchant is claiming that I would have to send in a document explaining why the merchandise is defective. 

However, I was informed that I would have to find the document that would allow me to dispute this claim under notices and letters in my online account, dated XX/XX/XXXX. When I followed the customer service agents instructions to get there, the last notification was received on XX/XX/XXXX. 

I then was routed to a number of different customer service reps that have failed to find this document which will allow me to appeal this decision. Theyve already decided that I am liable for {$370.00}, which my tracking information XXXX XXXX XXXX XXXX XXXX & XXXX ) shows was received back by the merchant on XXXX XX/XX/XXXX at XXXX XXXX 

This feels like a scam that CitiBank is conducting, and they have already decided that I am liable. It feels like they are giving me the runaround to erroneously charge me {$370.00}.
Complaint sub-issue: Information belongs to someone else

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The inquiries, which appears on my credit report from XXXX/XXXX  dated XX/XX/XXXX, XXXX XXXX XXXX dated XX/XX/XXXX and XXXX XXXX dated XX/XX/XXXX does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I received a copy of my credit report and discovered a hard inquiry from your company. I did authorizing this inquiry. I did not apply for any credit with your company and have not existing accounts. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. 

I have contacted these companies individually and have not received any reply back.
Complaint sub-issue: Reporting company used your report improperly

This is my final attempt to have this account removed from EVERY CONSUMER REPORTING AGENCY INCLUDING EQUIFAX, XXXX, and XXXX. All consumer reporting agencies have tarnished my name and have kept me from obtaining credit. They have ruined my reputation and character. They have violated the FCRA and many other Act as well. This is the last attempt before I seek litigation.

12 CFR 1022.1 Regulation V ( a ) Purpose. The purpose of this part is to implement the Fair Credit Reporting Act ( FCRA ). This part generally applies to persons that obtain and use information about consumers to determine the consumer 's eligibility for products, services, or employment, share such information among affiliates, and furnish information to consumer reporting agencies. 

XXXX XXXX # XXXX is reporting to consumer reporting agencies inaccurate information about an alleged account. I have sent in numerous billing error notices to JXXXX XXXX XXXX XXXX according to CFR 1026 regulation Z Billing Error. 
I have asked XXXX XXXX # XXXX to verify and validate the debt they alleged I owe, and I requested that the ORIGINAL CREDITOR be identified according to 12 CFR 1006 Regulation f The Fair Debt Collection Practice Act XXXX XXXX XXXX XXXX has failed to validate the debt therefore should delete all unverified information from my account ASAP. XXXX XXXX # XXXX should delete all account information they share with Equifax, XXXX, XXXX, and any other Consumer Reporting Agency. I did not consent to have my information shared with anyone or company. 

Since XXXX XXXX # XXXX has failed to prove that I owe an alleged debt according to 15 U.S.C. 1681c-2 ( c ) all consumer reporting agencies should block of information resulting from identity theft. 

I didnt consent nor benefit from XXXX XXXX XXXX XXXX. If I received goods or services, please have a senior executive certify under penalty and perjury that I received goods or services under this transaction.
Complaint sub-issue: Attempted to collect wrong amount

The above company has put a debt on my credit report that has not been validated. The said bill was billed to me after I moved out the residence all bills proper to me moving out were paid and nothing was owed the company called me weeks after my departure from the residence and said that I owe the energy bill for the residence even if I no longer was living in there residence during the billing cycle. The residence is trying to have me pay for energy that I or my family did not use because we did not occupy the unit during the billing cycle. I asked to see a bill and the apartment manager could not produce one therefore these charges are not legitimate or legal charges until there can be a legitimate bill produced this must be removed off of my credit report or I will seek legal action again both parties for falsification.
Complaint sub-issue: Investigation took more than 30 days

The company took more then 30 days to days to respond to my complaint which violates the standard set forth by federal law and the FCRA. A proper investigation did not take place. They failed to produce my written consent allowing XXXX XXXX XXXX XXXX XXXX to release my private information. I have no proof of contract with this company XXXX XXXX XXXX  # XXXX.
Complaint sub-issue: Information belongs to someone else

In XXXX of 2022 XXXX was made aware of fraudulent accounts being reporting due to identity theft fraud. As well XXXX was requested by third party debt collector XXXX XXXX XXXX to remove a file.
Complaint sub-issue: Information is not mine

I am victim of identity theft and have accounts listed on my credit report that do n't belong to me. I have sent numerous police reports and letters to Equifax disputing the inaccurate information listed on my credit report and Equifax has sent me numerous letters informing me the information is accurate and will remain on my credit report. The following accounts listed on my credit report are fraudulent and I want them removed immediately from my Equifax credit report : XXXX XXXX Bank, Account Number : XXXX XXXX Bank, Account Number : XXXX XXXX, Account Number : XXXX XXXX Bank XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX XXXX, Account Number : XXXX Bank, Account number : XXXX
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Some company called ERC has been pestering me, and i want it stopped! If i owe anything i will pay directly to whom i owe it to, and not some high XXXX bill collection company!
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter explaining that there are wrong and unknown things on my credit report. It has been over 30 days later and I have not received a response yet. I feel like i am being wrongly treated and ignored of my disputes. from my understanding 30 days with no reply gives a reason to remove those items from my credit report it has been over 30 days so they should be deleted right away. I demand these accounts be delete immediately or I will file for a case due to the pain caused. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 

XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the accounts being reported on my Credit Report. But in my case, the Credit Bureaus have kept reporting the disputed accounts claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that the Credit Bureaus provide me copies of documents bearing my signature to verify the status of the disputed accounts. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed accounts, please understand I will seek legal action. I need the following accounts corrected as soon possible : XXXX XXXX XXXX Balance Owed : {$1.00}, 604Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Complaint sub-issue: Report improperly shared by CRC

equifax refuses to remove account numbers XXXX,XXXX,XXXX,XXXX,XXXX from adverse accounts section of my credit report. these accounts are in defferment/forberrance and are seven to ten years old. verbally a exufax customer service represenative stated that the servicer of these accounts reported a missing payment. upon reviewing my equifax report. report confirmation number XXXX all of the above accounts have payed as agreed in the remarks section. Equifax website will not allow me to dispute these accounts indicating my session has timed out after numerious attempts. account # XXXX has been placed in the in collections area of the report. this account was included in bankruptcy that equifax has discharge correspondance and was not on the previos report.