Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Frequent or repeated calls

My complaint against MRS is multifaceted : repeated calls from often " spoofed '' numbers and autodialed, never received anything by mail, inadequate information to be able to dispute this collection attempt, concern I am the victim of identity fraud but unable to pursue as MRS is uncooperative and withholding information, never having been a customer of the company they claim the debt is from, and MRS refusing to provide their contact information. I receive multiple phone calls a week from this company, sometimes 3 or more a day. Calls are sometimes from an XXXX number, but more often they are from a " spoofed '' local number. They asked for me to give personal information, which I refused to verify over the phone. They then refused to tell me the name of their company, their address, their contact number, or the nature of their call. These calls have been continuing for roughly 6 months now. I no longer take their calls, as they do not seem reputable. I have received nothing in the mail, and no debt validation letter. I did receive 1 text message on XX/XX/2019 ( see attached screenshot ). The text states this is regarding a XXXX XXXX debt on behalf of another debt collector, XXXX XXXX XXXX. No account number has been provided. I have never been a XXXX customer in my life, so I know this is not my debt and their collection attempts are not legitimate. I have not received enough information from them to even dispute this ( no address, no account number, nothing by the mail ). Nothing has ever appeared on any of my credit reports. I am not sure if I have been a victim of identity theft, because when I reached out to XXXX with that very concern, I was told they could not search or verify without an account number to reference, which MRS has failed to produce. The callback number provided in the text does not match any online records for MRS BPO. Again, I have never done business with XXXX. I have no address to contact MRS in writing, and they have not provided adequate information for me to even dispute this collection attempt.
Complaint sub-issue: Personal information incorrect

I recently applied for credit and was denied, upon receiving a copy of my report I found the following errors. I contacted each bureau and received no response at all which makes my situation even harder because I need to move forward with things including my credit and if this is not fixed I will continuously be denied! 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX. 

XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX. 15 U.S Code 1605 ( a ) XXXX XXXX XXXX Account Number : XXXX There are finance charges that are the sum of all payments. There should be no late payments on this account, especially between the year of XXXX through XXXX. They also have a repossession for this account that is not accurate at all that needs to be removed I have never lost possession of my vehicle, it is outside my house as I Type. 

XXXX. Under 15 USC 1666B this is a billing error. This always paid as agreed ON TIME. This is an error. 
XXXX XXXX XXXX Account Number : XXXX Remove these inaccurate reported late payments. 

XXXX. Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
Complaint sub-issue: Account information incorrect

According to XXXX 's XXXX XXXX XXXX XXXX. defines XXXX as : Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. See : XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX ; XXXX v. XXXX XXXX. XXXX ( XXXX XXXX ) XXXXXXXX XXXX XXXX  XXXX ; XXXX v. XXXX, XXXX XXXX. XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX. You have to have documents that support your claim that you verified the accuracy of the disputed item ( s ). Its the business record ( the documents ) that constitutes the accuracy, not the testimony of a 3rd party witness referring to the document ( s I dont have a contract with a signature attached and the credit agency has failed to provide physical proof I don't have documentation in my records of XXXX XXXX XXXX for {$140.00} I dont have documentation in my records for municipals credit union for {$3300.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 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: Was not notified of investigation status or results

Back on XX/XX/21 I informed consumer credit reporting agency about the fact that my right to privacy as a consumer was being violated and that they were in violation of the FCRA 15 U.S.C. 1681 et seq., for unlawfully reporting inaccurate information on my consumer report. Since then I have filed multiple disputes via certified mail receipt : XXXX XXXX XXXX and have not received a response or correction to my consumer report. They are also in violation of of 15 U.S. Code 1681n ( a ) for willful noncompliance because I have been contacting them for over 120 days about the inaccuracies and informing them about the fact that I was a victim of identity theft and was impacted by the Equifax breach. I am being sabotaged and abused by the reporting agencies who are disregarding and ignoring my disputes. I have provided them all documentation requested and they have not even had the decency to assist me. I demand all the inaccuracies be removed immediately or I will file for litigation due to the stress and damage you have cost me.
Complaint sub-issue: Didn't receive advertised or promotional terms

I applied for a Discover credit card that was offering no interest for 21 months, I found the offer on the computer and called the company over the phone and talked to their representative, and went ahead with the offer this was in XX/XX/XXXX, and I should have had zero percent interest till XX/XX/XXXX, now I get my statement and they are charging 23 % after 6 months, I called them XX/XX/XXXX and they now claim I did n't read the fine print about the zero percent was only for transfers and that purchases are to be charged interest after 6 months, THIS IS CLEAR BAIT AND SWITCH, and was not what I was told on the phone when I got the card. How can you let them get away with this??? 
Their must be others they done this to and do I have any recourse as I can not pay this off as I am XXXX and on a fixed income and now STUCK with this high interest rate. 

YOUR HELP WOULD BE GREATLY APRECIATED XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX phone XXXX
Complaint sub-issue: Having problems with customer service

XX/XX/XXXX Nelnet reported to the credit bureaus that I was 90 days delinquent on my loans. I was only working part time as a temporary employee and did not even know it was time to start paying the loans. Once I realized what happened I applied for a deferment. They deferred my loans and backdated the deferment to XX/XX/XXXX to last until XX/XX/XXXX, but kept the late status on my credit reports, thus causing my credit rating to drop drastically and not allowing me to get a loan on a house when I became full time status on my job in XX/XX/XXXX. I have not been able to get a reasonable car loan, cell phone plan, etc., since that time, even though it is out of deferment now and I have paid every payment on time. I asked them on multiple occasions to please take this off of my report and they refuse, stating it is a law, but it is not and now my credit will remain affected until some time XX/XX/XXXX.
Complaint sub-issue: Problem using a debit or ATM card

On XXXXXXXX XXXX  the owner of a salon charged me {$1100.00} for a Service I did not receive until XX/XX/XXXX. The service was a hair replacement and the salon absolutely butchered it and then refused to refund my money after Id been back three separate times for them to fix it. I disputed it with my bank because the merchant refused and it was disputed under quality of merchandise or services bc it was the worst hair Ive ever seen, yet my bank continues to deny said dispute stating that the transaction is valid, yes Im aware it was valid but nobody is saying it was fraudulent. The bank should not offer a dispute option of quality of services or merchandise if we can not dispute based upon that.
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified item listed below 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 first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 
XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$8.00}
Complaint sub-issue: Other problem getting your report or credit score

My wife and I are apparently victims of id fraud resulting from the XXXX Equifax data breach. We have attempted to obtain data from Equifax regarding apparent discrepancies in our data. When we try to access data, they always ask us a ridiculous number of questions that have absolutely have nothing to do with us and then refuse to do nothing for us.Of the three credit agencies, Equifax is the only one that gives us trouble. We believe that possibly someone has given fraudulent personal information about us and Equifax has loaded that false information into their database. We are unable to give examples of the bad data because Equifax has repeatedly refused to provide us with our credit files because we answer their asinine questions wrong. Our credit rating with Equifax is very low, yet it is above XXXX with the other two agencies. My wife was recently turned down for an auto loan because of erroneous data in her Equifax file, yet Equifax was reporting her credit score to be XXXX. This was reported in a letter from XXXX XXXX XXXX on XX/XX/XXXX. A similar letter was received from XXXX XXXX of XXXX SC on XX/XX/XXXX. Ditto for XXXX XXXXXXXX XXXX on XX/XX/XXXX. Fraud alerts were filed with all 3 credit reporting agencies on XX/XX/XXXX, and an ID Theft report was filed with the TPC at the federal government today, XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2017 I paid off my mortgage with XXXX XXXX XXXX XXXX. In the previous month, a car lease to XXXX XXXX was satisfied and closed. The lenders reported these account paid off and closed. My credit score has been decimated as a result. My score has been consistently in the 780-805 range for over 2 years. It is now XXXX because I retired debt. I have been diligent not to over utilize my credit, paid all my bills on time and have long standing accounts, one 32 years old. I have spoken to XXXX reps twice and XXXX 3 times. None of these people can offer any explanation other than I paid off debt. There are no human eyes on this calculation, only algorithms. How can these practices be acceptable or legal. I am retired and have worked all my life to maintain good credit and because I retired debt now I am being penalized. It is totally counterintuitive Please help me.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX ACCOUNT IS LISTED AS CLOSED ACCOUNT STATUS AND COLLECTIONS CHARGE OFF IN MY CREDIT REPORT, FOR THE PAST 2 MONTHS I AM REACHING OUT TO THEM, TO CHANGE THE ACCOUNT STATUS AS CURRENT, AND I HAVE BEEN IGNORING TO CHANGE THE INFORMATION, ITS VERY FRUSTRATING FOR ME, XXXX IS NOT FOLLOWING THE FCRA GUIDELINE., XXXXSTATED The FTC enforces the rule, and has guidance about your responsibilities to furnish information that's accurate and complete, and to investigate consumer disputes about the accuracy of information you provide.
Complaint sub-issue: Information belongs to someone else

Full name : XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XX/XX/XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XX/XX/XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent application s may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. The below listed accounts by the Original Creditors , who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 



XXXX {$1800.00} XXXX {$2700.00} XXXX XXXX {$330.00} XXXX {$1800.00} XXXX {$1000.00} XXXX {$1300.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX {$1600.00} XXXX {$1200.00} XXXX {$730.00} XXXX {$1100.00} XXXX XXXX XXXX {$1000.00} XXXX {$1400.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX XXXX has violated my rights. 

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

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Talked to a third party about my debt

I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR XXXX or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR XXXX has sent dunning letters saying I owe them money because they obtained information from another individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for BUSINESS with another CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed, abused and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR XXXX., to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR XXXX to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR XXXX this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime. 
THIS DEBT COLLECTION AGENCY XXXX DID SHARE THIS INFORMATION WITH ALL XXXX CREDIT REPORTING AGENCIES. 
Because I did not contract with this DEBT COLLECTOR PLEASE DELETE THIS ERRONEOUS, INACCURATE INFORMATION OUT OF MY CREDIT REPORT. A DEBT COLLECTOR CA N'T PUT INFORMATION IN A CREDIT REPORT UNLESS THE CONSUMER HAS CONTRACTED WITH THEM WHICH I DID NOT DO. 

This CORPORATION tried to make a deal with me and accept a lower payoff which is against the law. These DEBT COLLECTORS are Greedy, and they know I do not owe them anything.
Complaint sub-issue: Didn't receive enough information to verify debt

CitiBank has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Complaint sub-issue: Information belongs to someone else

I looked at my credit profile and noticed that there many accounts that I don't recognize nor did I authorize many of these companies to run my credit. I placed a fraud alert as I believe someone is using my identity. Please remove them immediately. Thank you.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.
Complaint sub-issue: Problem accessing account

In XXXX XXXX a few days before the XXXX I received a letter from Ally Bank. This letter stated that they were closing my account. The only reason given was the Deposit Agreement clause referenced. That clause stated that they could close your account at any time for any reason. With my son 's help we called them after a lengthy wait time and hold times they said it was being closed and referenced the letter. My son talked to a supervisor who tried to open a new account for me and was unable to. 
That same day with my son 's help I got a new bank account open with another company and switched my Direct Deposit with Social Security to the new account for XXXX leaving my XXXX Social Security check in question On XX/XX/XXXX I logged into their app and saw my Savings account was closed but my Checking was not and had my XXXX Social Security check in it. I tried to do a XXXX transfer of the money and it required a verification call. With my son 's help we called them got through the verification and the transfer failed. The Customer Service representative took a look and said the Department that could help with thar would not be till Monday. 
Monday XX/XX/XXXX my son and myself called and the XXXX transferred us to Loss Prevention. He said the restriction on the account could not be removed by him but can be by Customer Service si he transferred us to the general Customer Service queue. The wait time was almost an hour and since we had been on the phone for over XXXX hour and we had to leave we hung up. 
On Tuesday XX/XX/XXXX me and my Son called back to try and get my money after 2 disconnect and almost 2 hours all they said is referenced back to the letter and said a check would be mailed but they couldn't say when the check would be mailed. 

So as of today Tuesday XX/XX/XXXX they still have XXXX of my money and I have no idea if and when I will get my money.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

Equifax is refusing to remove the following account from my credit file. According to Equifax, they can not verify my identity, which is clearly a stall tactic because the address on my file, is the same address they have used for communications with me. Also less than 60 days ago I provided Equifax with documentation of my address and identification documents. This account needs to be PERMANTELY DELETED ASAP. It is NOT my account and the company has already responded that they have sent a letter to the 3 credit bureaus requesting deletion from my credit file. The company responded 30+ days ago, yet Equifax is stalling to delete this frivolous incorrect information from my consumer credit file. Not only is this a blatant violation of my consumer rights, but it is damaging my financial reputation. 

Account in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX