Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

I recently noticed an account listed on my credit report by a company XXXX XXXX for the amount of {$680.00} for service in 2015. There are several issues with this account, the first being that I was unaware of the account, and secondly the amount of the account did not make any sense as the bill clearly did not take into account health insurance. At the time that the service was to have taken place in 2015 ( I am unsure of the exact date as I have no correspondence with the company ), I was covered under the military XXXX XXXX plan as a dependent ( military spouse ). This is why this is completely confusing regarding the amount sought. Also, the account was not on my credit report prior, it was only listed recently and no correspondence was sent to me. This company is attempting to make me pay a medical bill in full as if I did not have medical coverage, but I did in fact have medical coverage. I have tried to contact the company with the number listed on my credit report, but every day the company is closed and only have a voicemail for customers to leave messages on. There is no company hours listed on their website, which conveniently only has the option to make payments. This company has two numbers listed on XXXX, but neither one works. I am confused and frustrated and trying to resolve an issue but I can not seem to get in contact with the party in question to do so. I am not trying to get out of paying the debt if it was for my service, I am simply asking for it to be the correct amount that it should and not my being charged as someone without insurance as I am not. This company has history of incorrectly billing people who have insurance and I do not want to be added to the long list of unhappy consumers. Check XXXX for proof of that.
Complaint sub-issue: Old information reappears or never goes away

So I do believe that I am a victim of Identity Theft and I have tried to obtain my Equifax report online and they ask me questions to identify who I am and I have been a victim of Identity theft in the past, and the questions that Equifax is asking me questions on my credit report that I can not answer because the questions that are being asked were things that purchased, accounts that were opened when I was a past victim of identity theft. I have asked multiple times for my questions to be changed to current questions, they are asking me information from 15 or more years ago and I cant answer the questions. I want the questions changed and I want a copy of my credit report in a timely manner. Which I am not receiving yet and I want to be able to access my report from Equifax. I have been able to access every report accept Equifax.
Complaint sub-issue: Information is not mine

I have disputed the Identity theft accounts from XXXX XXXX XXXX ( XXXX ) on several occasions. I have submitted everything they have asked for and more, Police Report, FTC Report ( signed and notarized ) XXXX signature page they sent and requested and my own Signature page. Everything has been signed and notarized. XXXX has taken the stand that I allowed myself to be ripped off and they are not responsible for that, I am the only responsible party. Actually they are the responsible party, they are the ones that should have safe guards in place to protect consumers. I have more documentation if needed. Equifax refuses to remove the negative information stating that XXXX has verified the account information, Equifax has also received all the information. Several times actually. I believe XXXX pays for Equifax 's services so it does n't even really get a fair evaluation. I have submitted legal documents to Equifax and they still refuse to remove.
Complaint sub-issue: Reporting company used your report improperly

As a Consumer thats protected by FDCPA this request is to removed the following inquiries/accounts on my Consumer Report for I have not given my consent to furnish this on my Consumer Report per 15 USC 1681 ( B ). And I am also exercising my right to privacy under 15 USC 1681 ( A ) ( 4 ). Reporting this information on my Consumer Report is also a Violation of 15 USC 6802 ( B ) 1 ( A ), ( B ), ( C ) I was never given the opportunity from your agency to have my personal information block from being expose. Below you will find a list of inquiries/accounts I would like deleted from my Consumer Report ; Collection Accounts : XXXX XXXX  Account Number : XXXX Collection Opened : XX/XX/XXXX Balance : {$1800.00} Reporting on ; XXXX XXXX XXXX Account Number XXXX XXXX Collection Opened : XX/XX/XXXX Balance : {$730.00} Reporting on ; XXXX XXXX XXXX XXXX Account Number XXXX XXXX Collection Opened : XX/XX/XXXX Balance : {$84.00} Reporting on XXXX XXXX/EQUIFAX XXXX XXXX  Account Number : XXXX Collection Opened XXXX XX/XX/XXXX Balance : {$680.00} Reporting on ; XXXX/EQUIFAX INQUIRIES : Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX EQUIFAX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Name : XXXXXXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXXXXXX Name : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  Inquiry Name : XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

In accordance with the Fair Credit Reporting act Equifax 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 15 U.S.C 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
Complaint sub-issue: Problem getting your free annual credit report

I tried to obtain my free credit report from Equifax. They only way I can get it instantly is to PAY them. They will give it to you right away, if you pay them. But when you go to  XXXX  they ALWAYS say they ca n't give it to you, and that you must mail in your request along with enough personal information for someone to completely steal your identity if they opened the envelope.     It is my opinion, based on my own past and present experience with Equifax, and comments I am seeing from thousands of others on blogs, that Equifax has purposely made obtaining the free credit report as difficult as possible as many others are having the same experience I am.     In this day and age of financial institutions and consumers losing billions of dollars to identity theft, is it a responsible and prudent practice for Equifax to ask you to include a copy of your  XXXX , drivers license, social security card and other identifying information in  one  envelope to obtain your free report?     How many identity thefts and dollars lost can be attributed to Equifax corporation due to the hundreds of thousands of people who are sending their entire profile of sensitive data in one envelope to get a free report?     I have had money orders stolen so I can attest that mail does get open and stolen and many times by people that work for  USPS  or the shipping companies who are infiltrators that send data overseas. It happened to me and it was explained to me by the  USPS  and   XXXX   XXXX   this does happen.     Once again, big corporations have found loopholes to get out of following the laws, because many wise folks are not willing to send that data in the mail, so you are forced to pay them for a report.     I thought the credit reporting agencies mission was to protect the banks not setup opportunities for them to lose money through identity theft?     It is surprising to me that the CEO of a big corporation with all of its degreed leaders are not smart enough to see the lack of common sense in requesting these documents in the mail from consumers. Greed blinds people and clouds their thinking.     I had the same issue many years ago before this complaint site was established, with Equifax never being willing to send me a free credit report without mailing in all my sensitive data but I could always seem to get it online instantly if I paid them. Interesting how that works.     I was and always have been able to obtain the free report from  XXXX  and  XXXX .
Complaint sub-issue: You never received your bill or did not know a payment was due

CitiBank Recovery, on behalf of Department Stores National Bank, has not contacted me after re-assuming control of a closed account that had previously been referred to a third-party debt collection agency. Since over 90 days has passed without contact, written or phone, from CitiRecovery, I am requesting that the debt be cancelled and any negative information to my credit report be retracted.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing to you because US Bank is violating the FCRA. I filed a dispute regarding an inaccurate Date of Last Active. They were reporting it as XX/XX/, this account was paid off and they are also reporting a balance. This is another inaccuracy. According to the FCRA furnisher must pay {$1000.00} per violation of account is not corrected. In this case it has not been corrected so it must be deleted from my credit file. 

I have records of the disputes and was advised by my lawyer that I am able to file a law suit with the evidence I have if this account is not deleted. Please investigate this matter. Thank you
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2019 I sent a debt validation letter to I.C. System requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt is in the amount of {$1200.00} which is a fraudulent charge. By law pursuant to 15 U.S.C. section 1681s-2 of the Fair Credit Reporting Act ( FCRA ), I.C. System has failed to validate this alleged debt. They have NO signed contract with my signature stating that I give them ANY permission to access my credit reports as pursuant to 15 U.S.C section 1681b.
Complaint sub-issue: Can't use card to make purchases

I opened an account on line and then received a call to call them about the application. When I called them the representative could not find the reference number. After transferring me twice and account representative said they could not determine what the issue was but my card was approved and in the mail. I received the card and immediately actived it online as instructed. I then received a call from there fraud unit saying the account was on hold. I again called and was told the account had been activated and I was good to go. I attempted to then use the card at  XXXX  and the transaction was declined. I used online chat to check the status and the agent said the card was on hold for frau d. Citi continue s to tell me the card is good and then declines my usage. I am going to cancel the card because it appea rs Citi is trying to  run a  XXXX  FICO score. I am a good paying consumer and it is clear  Citi has no regard for it 's consumers. This is poor treatment and it is clear Citi processes are  designed to force consumers to call them to cross sell products and waste your time. I have other  XXXX  accounts so they already know me as a customer. I want others to know they should avoid using Citi!!
Complaint sub-issue: Other problem getting your report or credit score

I'm trying to access my Equifax credit report and the Equifax website says it is unavailable. I'm unable to see the report, place a security freeze, view my credit score, basically, I can't do anything.
Complaint sub-issue: Debt was discharged in bankruptcy

File chapter XXXX 0n XX/XX/2016. At the time this debt was created my dental insurance paid more than absolute dental claimed I owe. 
I claimed this debt on my chapter XXXX bankruptcy.
Complaint sub-issue: Trouble with how payments are being handled

Applied for Income Driven Repayment plan on XX/XX/2019 and I have still not received a response. Today is XX/XX/2019 and below is what I was notified on my account : Income-Driven Repayment ( IDR ) Received Hide Details We received your IDR request on XX/XX/2019. We will review your request and send a follow up email by XX/XX/2019. This email will detail next steps and any additional actions needed. 

Reminder : Continue to make your normal monthly payment amount until you are approved and receive a bill with your adjusted monthly payment.
Complaint sub-issue: Their investigation did not fix an error on your report

I've notified the company that I have no knowledge of a XXXX account that im a authorized user on. and want this removed from my credit profile. I also have inquires on my credit I have no knowledge of. such as XXXX XXXXXXXX. and XXXX. and theirs also XXXX  XXXX  XXXX inquire.
Complaint sub-issue: Didn't receive enough information to verify debt

Hi I tried for 7 years to resolve this issue with Citicard. They sent my statement to an old address. They refused to send it to the new address. I have never received a statement.

I've called and written to them 11 times.

They have sold the debts to 10 different credit collectors over the year. This has caused me to not be able to purchase a house, get credit, dropped my score from XXXX to XXXX. 

I called the new collection bureau and they refused to send me the statements. I have never received a statement from XX/XX/2012My husband died and I moved away. I gave them my new address and they never sent the statement.
Complaint sub-issue: Investigation took too long

I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over 30+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Complaint sub-issue: Need information about my balance/terms

Twice now my federal tax refund has been withheld in its entirety to go toward these student loans. However, my credit report reflects that while my entire refund was withheld, only a portion of that actually went toward the balance on the loan. 

My refund amount from 2016 was {$830.00}. My credit report shows the loan balance decreased by only {$400.00}. I have been unsuccessful in getting the collection agency to furnish proof / payment history on the account.
Complaint sub-issue: Information belongs to someone else

I recently sent you a letter requesting that you re-examine the wrong and incorrect information in my file, but your re-examination does not address my problem.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022, I sent a letter to the courthouse asking if they report bankruptcies to the credit bureaus. I got a letter stating : " They do not provide information to the credit reporting agencies or bureaus. '' So if that's the case, how did the credit bureaus verify an alleged bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) states : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 USC 1681 section 602 A states : I have the right to privacy.

According to 15 USC 1681 section 604 A Section 2 states : A consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Not given enough info to verify debt

This letter is being sent to you in response to the above reference account that BC Services INC. has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : 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 documents that show I agreed to pay what you say I owe ; 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 ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against BC Services INC. for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of characterIf BC Services INC. is able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
Complaint sub-issue: Information belongs to someone else

I sent a letter regarding inaccurate personal information, negative accounts and 2 late payments reported on my credit report. To this day over 60 days later I have not received a response yet. I sent letters to all 3 bureaus, I am being wrongfully accused of these delinquent, charged off accounts. This represents myself as an irresponsible individual. I'm being taken advantage of and being ignored of my disputes, which is costing me my life. No apartment is willing to accept my application, no mortgage lender will provide me home loans. I am STUCK for something they reported inaccurately!!!

Section 611 ( a ) it is plainly stated that a failure to investigate these items with 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 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 cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. 

Account Name : BANK XXXX XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXXXXXX XXXX  Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report! 

Account Name : XXXX XXXX  XXXX Account Number:XXXX Inaccurate payment history reported, REMOVE Two - 30 Day Past Due remarks reported immediately ( XXXX, XXXX & XXXX, XXXX ) I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report!
Complaint sub-issue: Was not notified of investigation status or results

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to XXXX you caused me.
Complaint sub-issue: Information is not mine

I have disputed this account on many occasions. Finally, i had enough and asked since XXXX XXXX continues to report this account please send me a signed " agreement between me and XXXX XXXX XXXX. I finally received the document and here is what i found. The original account # with XXXX ( original creditor ) shows XXXX while XXXX XXXX shows for original creditor # XXXX. No initials on this " payment agreement ''. Signature does n't even match signature on my license. Balance even shows XXXX but shows different amount on credit report. I want this account removed immediately from all credit reporting agencies. i have included copies on all supporting docs.
Complaint sub-issue: Reporting company used your report improperly

XXXX accordance with the Fair Credit Reporting act XXXX  XXXX DEPARTMENT OF EDU # 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: Information belongs to someone else

It's not my account and inquiries, i never applied for this. I believe, that somebody used my personal information and applied for it.