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

I already complained to XXXX because they added this to my file without notifying me. I asked for a verification and all they sent me was a vague letter with 6 months of bills for 4 phone lines when I only had 2. According to the CFPB there criteria which are required by law when sending a notice like this. 

The name of the creditor The amount owed That you can dispute the debt That if you dont dispute the debt within 30 days the debt collector will assume the debt is valid That if you dispute the debt in writing within 30 days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within 30 days, if different from the current creditor, the debt collector will provide you that information. 

The last bullet point wasn't included on this vague letter. I received the letter on the XX/XX/XXXX and it has been over 5 days. XXXX XXXX is required by law to clarify that within 5 days of initial contact. 

I have attached the letter for verifcation
Complaint sub-issue: Reporting company used your report improperly

I'm writing to delete the following information in my file. The items I need deleted are listed in the report. I'm a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I'm writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/XXXX I recieved a collection notice in the amount of {$47.00} from the Law Office of Gregory Hagan which he claims I owe to XXXX XXXX XXXX XXXX. On XX/XX/XXXX I sent out a letter of dispute and debt verification to his office via certified mail. Attorney Hagan received my letter and personally signed for it on the green form which I recieved back in the mail on XX/XX/XXXX. After never receiving any form of validation from Attorney Hagan I then recieved a 2nd collection letter 0n XX/XX/XXXX stating that I ignored his first letter and this will not be tolerated. He also stated that if legal action becomes necessary I will have to pay court costs and legal fees. I called Attorney Hagans office on XX/XX/XXXX and XX/XX/XXXX to speak with him and continue to recieve voicemail. His office called and left me a voice mail as well after my first attempt in contacting him. I have spoke with a local FDCPA Attorney on this matter and was told that Attorney Hagan violated FDCPA law by continuing to collect wothout validating the debt and by writing misleading and untrue information in his 2nd letter since I clearly contacted him and didnot ignore his 1st letter.
Complaint sub-issue: Public record information inaccurate

Equifax has been reporting an inaccurate Public Record on my Credit profile since XXXX XXXX. I have requested proof of said record and any information followed. They have neglected to fulfill me on my request of validation of said item. 

I have also forwarded Equifax proof from the court whom they say verified the public record that they dont have a Bankruptcy under my name or Last 4 of SS I have sent copys of the Bankruptcy being found inaccurate by XXXX  and XXXX  as well as a letter from the court saying that they don't report to the credit bureaus.

This Bankruptcy has been found to be reporting inaccurate as a result of a investigation performed by XXXX  & XXXX.
Complaint sub-issue: Need information about your loan balance or loan terms

I want to dispute the few month period were my payments were late, I just paid off the loan
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XXXX XX/XX/XXXX, XXXXt XX/XX/XXXX and XXXX XXXX XX/XX/XXXX have 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: Their investigation did not fix an error on your report

I contact Equifax with a letter XXXX of XXXX and never had a response. I called to disputed 1st week of XXXX XXXX and took info over phone. I received their response within 30 days and said the item was reported correctly. I called them again 2nd week of XXXX XXXX land told them again of the circumstances and am not responsible for this report being derogative as it wasn't my fault and if they had researched it and spoke to XXXX they would have learned that I wasn't responsible.After receiving bill I called XXXX and they said it was paid. I continued to receive bill periodically and then followed up with XXXX and they said not paid. After going back and forth I learned from XXXX that it was billed in to parts. 1 from the the XXXX dept. that showed paid and XXXX other from reading of the XXXX that was returned by XXXX to make correction to name and resubmit for payment. XXXX never did and XXXX never paid. In XXXX. of XXXX I spoke to a supervisor of the XXXX reading dept. and she looked into it and said they would notify XXXX  and stop the collection but they couldn't remove it from my credit reporting agency but could notify them to notate it was an error.. I checked with Equifax the later part of XXXX and learned it was still showing as a derogative. I contacted Equifax XXXX of XXXX XXXX regarding this matter and again explained to them that this is not my fault. I have ins. I pay and they would have paid it as I had already met my deductible. It is the fault of the billing company. They advised me to file with FTC..I need this matter corrected and reasoned from credit reporting agency as it is the only item against my credit
Complaint sub-issue: Old information reappears or never goes away

Previously disputed item from XXXX XXXX XXXX which has been deleted from equifax, XXXX and XXXX reappeared on my credit report. No notification is yet to be provided to me. No communication from the collection agency. They did not send any letter, so I do n't even have an account number so I can talk to them.
Complaint sub-issue: Personal information incorrect

I submitted a previous complaint that specific address were not removed. I submitted an ID with my name and address. I reviewed the feedback from this company and my name is spelled incorrectly. 

I need my name corrected
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX have XXXXiolated 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 an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX : # XXXX, XXXXXXXX XXXX XXXX : # 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cost to believe that this information is an inaccurate.
Complaint sub-issue: Reporting company used your report improperly

There was a data breach at Equifax INC in which all of my personal financial information may have been stolen. This will cause ongoing issues with my financial stability. They showed blatant disregard for my vital information.
Complaint sub-issue: Their investigation did not fix an error on your report

I, XXXX XXXX, sent a letter certified mail ( XXXX XXXX ) ( Equifax XXXX ), and ( XXXX - XXXX ) stating they were violating my right to privacy as a federally protected consumer due to lack of my written consent pursuant to 15 USC 1681 ( b ) ( 2 ) Permissible Purposes.

They replied how they verified the information with the creditors but I know That under 15 USC 1602 I am I n fact the original creditor under 15 USC 1602 ( g ) I will take legal action upon defamation of character and identity theft since they do nt have my written consent to furnish these items I also sent a copy of my state issued ID, SSN, and a utility bill to ensure my identity
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2019, XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, MECHANICS BANK add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXX XXXX XXXX  add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Information belongs to someone else

These accounts/inquiries are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these requests whatsoever. Please remove these alleged inquiries as soon as possible. I reported this and have also included the FTC Affidavit that lists then fraudulent inquiries. Please delete these alleged inquiries as they are causing a substantial amount of harm and inconvenience to me as consumer.
Complaint sub-issue: Was not notified of investigation status or results

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. XXXX XXXX Account Number : XXXX 1. XXXX XXXX Account Number : XXXX 3. XXXX/XXXX  Account Number : XXXX 4. XXXX Account Number : XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.This account unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or XXXX XXXX XXXX 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 XXXXXXXX Date Opened : XX/XX/2020 Balance : {$11000.00}
Complaint sub-issue: Information belongs to someone else

My XXXX XXXX and XXXX XXXX XXXX XXXX credit card is lost/stolen. The fraudulent charges/transactions dont belong to me. The balance on these 2 accounts dont belong to me, because both of my credit card accounts with XXXX and XXXX XXXX is lost/stolen.
Complaint sub-issue: Problem with fees

In XXXX of XXXX I obtain and Citibank XXXX and had to submit a {$200.00} payment to secure the car. I use the card and in XXXX the company closed the account. I a balance of around {$50.00} and left approximately {$150.00} left of my original secured deposit. After much discussion I was told it would be 60 days til I received a check for the remaining desposit. 60 days came and went and called again. They said check for {$130.00} and change would be mailed on XX/XX/18 and probably received around the XXXX. That would be 100 day mark. called again today and they have charges additional {$51.00} fees on the account and the payment has not been processed. After being transferred to several people I was told no manger available and will get call back. I have been told this before with no call. This appears to be a scam to collect fees on a closed account so they do not need to reimburse me.
Complaint sub-issue: Personal information

I have submitted several credit applications, and have been rejected and have a declining scoreThere is a XXXX listed, never lived in a XXXX XXXX XXXX my current address isXXXX XXXX XXXX, Ct XXXX
Complaint sub-issue: Investigation took more than 30 days

I have filed disputes with XXXX, Equifax and XXXX having incorrect information on my report from XXXX XXXX XXXX XXXX along with Chapter XXXX and Chapter XXXX in which I submitted letters from court to credit bureaus which they say was it was vertified, without giving me information on who vertified information on XX/XX/2021. It has been well over 30 days and i haven't received any investigation results.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that the new account was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX : {$0.00}
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act 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 ACCEPTANCE NOW XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XXXX. XXXX, 2020, CREDCO add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Card opened as result of identity theft or fraud

U have a MACY 'S and XXXX card that hasn't been issued to me.
Complaint sub-issue: Was not notified of investigation status or results

Equifax, XXXX  and XXXX  are all reporting bankruptcy on my credit profile. I've disputed this information they continue to report inaccurately without validating the information.
Complaint sub-issue: Debt was result of identity theft

this is a fraudulent account never open an account with XXXX ...
Complaint sub-issue: Don't agree with fees charged

I have a private student loan that was sent to court in XXXX 2015. Per the court case, the loan was dismissed with prejudice by a judge in XXXX 2015 in my favor. The loan is still showing on my credit reports from all XXXX credit bureaus after sending disputes in per my attorneys request in 2015. This is preventing me from purchasing a home at this time.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have threXXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Account status

The information has not been updated on my account. My account says that I have a balance of XXXX dollars owed to XXXX on XXXX XXXX XXXX but I have a paper that shows that my balance owed to them is XXXX. My bill has been paid but yet it has not been showed as paid on your balances on my report.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX my son opened up a XXXX XXXX credit card. Several years later he put me on the account as a signer. ( during those years XXXX XXXX sold those accounts to three different banks ) My son attempted to take me off the account as a signer in late XX/XX/XXXX and was advised that this account was now a joint account and I could not be taken off. He wrote to XXXX XXXX   and adived them that this joint account status was incorrect and asked for them to supply proof that both my son and I signed the application when the account was opened. 
XXXX XXXX wrote back and advised that they purchsed the assets from XXXX XXXX XXXX in XX/XX/XXXX and they had no proof that the account was a joint account as they could not locate a copy of the credit application. 

My son became XXXX in XX/XX/XXXX and I am his full time XXXX. My son stopped paying this and other bills as he is now XXXX. 

I need to keep my credit rating up and this mistake has hurt my credit scores on all the reporting agencies. I understand that the full amount on the account, about {$24000.00} was charged off last month. 

I understand that the Fair Credit Reporting Act says that the reporting agencies must show proof of the various claims or take the negitive comments off the report. Clearly in this case this has not happened.
Complaint sub-issue: Transaction was not authorized

XX/XX/2022 a wired transfer of {$17000.00} from a Citibank savings account was unlawfully transferred to a XXXX XXXX. The bank was immediately notified in person and over the phone. A police report was then made with a complaint number of XXXX.Investigation remains in progress at this time and money remains unreturned.
Complaint sub-issue: Problem with customer service

To Whom This May Concern, I have been XXXX for 21 years and continue to attempt to qualify for a Public Service Loan program. I have applied at least three times in the last 10 years. 
I have made payments consistently for more than XXXX payments. I have paid more than half of the total I borrowed when I was going to school. 

I keep getting rejected but not once I have been told exactly what the problem is. Finally I was able to call the company for which I have standing debt and told me that the reason could be that I have consolidated them. 

During school my loans were Stafford loans, but a couple of years after graduation I consolidated them with XXXX XXXX XXXX I would like someone to call me and advise me about what route to take. I graduated in 2001 and I have worked for the same school district since that same year. I have paid constantly and never defaulted. I have had times of deferment because of financial situations at home. I then paid all interest and comply with their policies during deferment. 

I want to be able to have the opportunity of some part of my loan to be forgiven. 

Thank you!
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX is misreporting a balance due to XXXX and Equifax for an old mortgage that was closed already.
Complaint sub-issue: Information is missing that should be on the report

Upon checking my reports on  XXXX   XXXX  via  XXXX   XXXX  I noticed that my active up to date  XXXX  account was removed from my Equifax report.