Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

This company sent me text messages on XX/XX/XXXX and XX/XX/XXXX with a vague message about trying to contact me about a debt. When I responded to them they immediately asked for my full name, Last 4 of social, date of birth, and address. Basically, everything one needs to steal my identity. I informed them that they should send any bills to my address. Not hard to find. Its public information. They continue to refuse sending me any written communication about the debt unless I give them all my personal information. 

Today, they left a message on my cell phone. They then proceeded to call any and everybody Ive been in contact with. My in laws, my brother, my old work friend from years ago, and who knows how many other people that havent reached out to me yet. I called and spoke with somebody at the office of Metacorp LLC in XXXX, NY who again wanted me to freely give up all my personal information. She adamantly refused to even identify herself as a debt collector unless I gave up all said personal information to a complete stranger. They refused again to send me a notice of the debt by mail. 
If this is a valid tactic and a valid company it is no wonder Americans continue to get their identities stolen. They are so harassing and embarrassing to people that they just want it to stop and give out personal info. I was under the impression this company is required by law to send me a written notification of said debt. Isnt XXXX XXXX from MetaCorp required to identify herself as a debt collector? She straight up refused. How is any of this legal? 

Not to mention this company has a somewhat shady history according to the internet. Are they really buying up non-legally binding debt for Pennies on the dollar and then illegally harassing consumers who arent aware of their rights? This is so shameful. This company needs to be stopped.
Complaint sub-issue: Information is missing that should be on the report

Citi XXXX yes or no did you have Relation with XXXXXXXX XXXX XXXX? Regarding the account listed above? They said you did and you said you did! See file For Additional information in your own words But they were unable to send me documentation to prove to me that had became owners of the accounts I want to also make your Institution fully aware since you were the original creditor you have violated the FDCPA by such actions as notify the credit bureaus! Failure to do so does and perhaps meet the criteria for deletion and I quote respectfully! The law is very clear. I will also need a copy of your contract between you and XXXX also a purchase agreement with a canceled check from XXXX as to How much the debt went for. Also all information that you forward to XXXX Regarding this account Citi I give you 24hrs from the time you receive and finish reading this complaint I asked that you delete this account from my credit file. If you try to go back and add the information that was required of you you will suffer the consequences and I guarantee you the law is very clear in your bank has been around for many many years and you know the rules the loss that you must follow! Respectfully there will be no more
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting inaccurate and incomplete information regarding a student loan. Im attaching additional documents. The balance is higher than the high credit. And the report is incomplete in its entirety.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have an inaccuracy on reports from all three CRA 's. I was able to file disputes with XXXX and XXXX without issue, when I attempted to file my dispute with Equifax they asked that I contact them via telephone to proceed. 

On first contact with Equifax XX/XX/2019 I was told their systems were down and to contact back in 30 minutes. Second contact I was told they could not hear me and disconnected the call. Third contact I was finally able to speak to someone, and they were able to pull my profile but refused to allow me to make a dispute without faxing or mailing two ID scans. My problem with this is Equifax on the same day issued my Credit Report to me with the same information via XXXX, yet were denying my right to dispute this information. I offered to provide the documents via the internet ( a communication channel they deem acceptable for themselves and third parties, but supposedly not okay for me to use ) and they refused. I spoke with this agents supervisor, and then sat on hold for 50 minutes to speak to the supervisors manager. ( Manager name XXXX, Agent ID # XXXX ). XXXX was unable to answer why the information provided was sufficient to issue a credit report, but insufficient to file a dispute. XXXX was also unable or unwilling to accept my documents on an accessible communication channel. 

I demand my right to dispute this inaccuracy be provided, as both other CRAs did without legal intervention.
Complaint sub-issue: Company closed your account

Citibank opened a credit card branded through Best Buy. The card was in good standing, payments were on time, and in XXXX, I paid it down to zero. Without notice or reason, they closed my account, causing significant damage to my rising credit score. This has damaged our road to getting a mortgage. 

It is unreasonable to close the account without warning causing embarrassment during n attempt to make a purchase. This behavior needs to be addressed.
Complaint sub-issue: Can't close your account

I called to close this account, XXXX XXXX XXXX, and I got a letter in the mail stating that any automatic charges may be accepted and billed. I had a fraudulent charge ( only {$9.00} ), but thats why I closed it and should any more false charges happen they seem to think its my responsibility. CLOSED should mean CLOSED. This is simply a nasty way for a credit card company to potentially make more money on interest, and billing me. Simply not acceptable
Complaint sub-issue: Attempted to collect wrong amount

Hello, BHA services is trying to collect a debt from MA from XX/XX/2001 20 years and 11 months ago. The court record does not even have them as the plaintiff 1st off I was never notified of this judgment as it states 2nd this " judgement '' is more than 20 years. This was disposed on XX/XX/2001 - MA law can not collected after 20 years 3rd they state I owe {$5000.00} - Hmm NO 4th they refused to provide any sort of proof They lied about the amount, stated time frame does not matter and tried to force me to send them money.
Complaint sub-issue: Their investigation did not fix an error on your report

According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached my FTC report which I never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!
Complaint sub-issue: Information belongs to someone else

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. I have someone that was using my name for credit and rental apartments. I recently job more back to XXXX OHIO and discovered the fraudulent account. 
My name is XXXX XXXX. Please delete all variation of my name they are not accurate. The following addresses are not mine please delete they are not accurate. 
XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I sent disputes to the three bureaus about unauthorized use of my credit report. I have yet to hear back from them 30 plus days later.
Complaint sub-issue: Received bad information about my loan

I have disputed late payments multiple times with Nelnet as well as credit bureaus to no avail. I attended University XXXX XXXX and obtained loans through Nelnet. I have never been late with any of my payments. In fact, my payments have always been deferred or I 've paid based on my income. A few years ago my loans were transferred to another company and during this time is when I 'm told I defaulted on my loans. I was never aware that my loans had even transferred or I had late payments until last year when I requested my credit reports. I immediately contacted Nelnet and made them aware of this issue. Nothing changed and I still have 16 late payments on my credit report that are preventing me from obtaining housing for my autistic son and myself. It is very difficult living with family members and having a special needs child. I have NEVER been late on my loans.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I have been a victim of identity theft. I have tried, on numerous occasions, to contact ProCollect, Inc. about this alleged debt they say I owe in the amount of {$1000.00}. I have asked them to provide proof ( an original signature, proof that they own the debt and that they have a legal right to collect in the state of Mississippi, etc. ) As of to date, no one has responded within the 30-day timeframe. This is a violation of my rights per the FCRA and FDCPA.
Complaint sub-issue: Other problem getting your report or credit score

I opened an account with XXXX XXXX XXXX internet to be installed. They do a credit check in order to ensure the customer would be of no concerns. That's no problem I understand that. Yet, when I receive the letter from XXXX XXXX XXXX stating my credit score is XXXX when in fact I know it is not its way too low. I looked into the credit agency where they have been known to lower your credit score by 200 points! Sagestream was, therefore, stating my score is XXXX when in fact XXXX  says it's XXXX and XXXX XXXX.
Complaint sub-issue: Don't agree with fees charged

I contacted FedLoan Services after hearing a commercial on the radio. The company offered to consolidate my loans and lower my monthly payment. However, I had to pay them {$800.00} up front and an additional $ XXXX per month for their service fees. I paid them {$99.00} every two weeks until the amount was paid in full. Now, I pay them $ XXXX per month for their services in addition to my monthly payment goes towards my student loans. My first payments started on XXXX XXXX, 2015. 

I found out that charging a fee for the services was illegal when I called your agency in regards to something else. If this is the case, I would like my money to be refunded to me. I 'm also wondering if they are allowed to collect the $ XXXX monthly fee as well.
Complaint sub-issue: Account information incorrect

I checked my credit score online, and found that a hard inquiry had been made on my credit that I do not recognize. It shows no contact information on who made the inquiry, and I have never applied for a loan, mortgage, or credit card. Since I don't know where the hard inquiry came from, I have no way to contact the company who made the inquiry, and therefore am worried about attempted fraud.
Complaint sub-issue: Their investigation did not fix an error on your report

All three credit report companies after disputes still show accounts ADVERSE even though all the accounts have been corrected and in the text show NEVER LATE. The reports need to correctly list these disputed accounts as no longer ADVERSE. please help to have all three reports to be correctly listed. 

Thank you
Complaint sub-issue: Problem with the interest rate

{$4000.00} down payment, on a {$7000.00} loan. Crooks here is a copy of my XXXX   credit report can the company please explain how i owe this much?
Complaint sub-issue: Fee problem

BB & T has a rigged system where they delay the deposit or withdrawal for transactions that you make for their benefit in order to charge each transaction an overdraft fee. Countless times I have made my usual monthly payments and I started noticing five or more buissness days going by without my bill payments being posted to my account and then a week later the payment post turning my account negative. With each transaction they charge {$36.00}. One time I went in the bank to show the teller this problem and the teller says to me, " open a BB & T credit card and we can transfer the overdraft fees to your credit card. '' That is another strategic attempt to profit off of their rigged system. This is called, unfair business practices. This is evidenced by them delaying payments that you make to other parties and one week later when you spend one dollar over what is being deducted, they strike. Then the ATM 's are not equipped with cash deposits so you can not add money to your account without the bank being open.
Complaint sub-issue: Reporting company used your report improperly

By not encrypting their data as all credit reporting should know to do to protect my personal data it was and has been improperly secured.
Complaint sub-issue: Other problem getting your report or credit score

As dated XX/XX/2022, Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Consumer, am aware that according to Federal Law 15 U.S. Code 1605 ( a ) 15 U.S. Code 1605 - Determination of finance charge - That the Finance Charge is a sum of ALL CHARGES.

Im aware that Truth In Lending Act makes it VERY CLEAR that The amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. 
So, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Im aware according to our agreement that you signed XXXX XXXX XXXX XXXX, that the finance charge to me XXXX XXXX XXXX ) is {$20000.00} and if XXXX XXXX charge is a sum of all charges, payable directly or indirectly can you please explain in the words of XXXX XXXX XXXX XXXX how is possible for me to be ever be Late on any payments? And why are not all my payments being furnished as On Time on my Consumer Report. 

Thanks in advance for your timely response, Respectfully, XXXX XXXX, Federally Protected Consumer.
Complaint sub-issue: Account information incorrect

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a lil more explanation on. 
I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure 1 they are, I also read something called the fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a ) 7 I heard that if you can't provide proof, these accounts must be deleted. Well I want these accounts deleted it they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation.

Please investigate the following accounts and remove them if anything is missing of not correct on them. 
Accounts Account Name : XXXX XXXX XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account name : XXXX  Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX. Could you please send it to me? Also, please let me know who had access to my file as I want the investigation outcome to be sent to my address I put on the from area Thank you for your time and help in this matter.
Complaint sub-issue: Didn't receive notice of right to dispute

I'm not familiar with is account. Did not receive any mail about this account or provide the opportunity to dispute the information. Please provide VALIDATION OF DEBT AND METHOD USE TO VALIDATE. 

Enhanced Recovery CO XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Credit Plus has made 2 inquiries, XX/XX/XXXX and XX/XX/XXXX, these were not authorized.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX 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

1 am so puzzled of what is happening with you ( CFPB ) and the bureau ( XXXX and EQUIFAX ). I've submitted this complaint 3 times & you are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, It's driving me up the wall. The account listed below was opened due to identity theft. I've provided you ( CFPB ) & XXXX and EQUIFAXwith an affidavit & FTC fraudulent report to support my position. It seems XXXX and EQUIFAX is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like the account blocked or removed based on XXXX. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks XXXX XXXX XXXX XXXX XXXX. XXXX
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX bank Account # XXXX, XXXX account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information is not mine

It appears that there are Liabilities on my credit report that do not belong to me. Such as XXXX, XXXX, XXXX, and etc. These are causing a decrease in my overall credit score. These expenses that have turned into collections do not belong to me. There is a huge error in my report. These expenses have been added to my report that belong to an entire different person. This need to be corrected.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Please accept this final written letter as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED am a victim of identity theft. 

The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. information from my consumer file. 

Company or Organization : XXXX XXXX Account Number : XXXX Company or Organization : XXXX XXXX  Account Number : XXXX Company or Organization : XXXX Account Number : XXXX Company or Organization : XXXX   Account Number : XXXX Company or Organization : XXXX XXXX XXXX XXXX Account Number : XXXX Credit Inquiries XXXX XXXXXXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX, XXXX XXXX Despite many written requests, the unverified items listed above still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? and you refuse to investigate or block fraudlent accounts reporting on my credit report which is a direct violation of 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Complaint sub-issue: No notice of investigation status/result

Between XXXX XXXX & XXXX equifax removed the chapter XXXX bankruptcy from my credit report but added it back to my credit report without notifying me which is against the law. It should be removed again because equifax broke the law by not notifying me that they were adding it back.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I am not responsible for these accounts. I disputed them and they are offering settlements for activity I did not do or apply for the accounts. My identity has been stolen and these accounts have been opened unknowingly
Complaint sub-issue: Account status incorrect

Based on State law this account exceeds the State of California 's Statute of Limitations. Please verify all information is correct and does not violate consumer and State law.