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

I have a collection account listed on my credit reports by a debt collection agency, National recovery collecting on behalf of XXXX XXXX national recovery license has expired and therefore I am disputing this collection account.
Complaint sub-issue: Debt was result of identity theft

In XX/XX/2021, I filed an FTC report for identity theft and submitted it to XXXX declined to remove this item from their database in the amount of {$1100.00} The most recent update was on XX/XX/2021, which is incorrect. I also presented the AVANTE company with a challenge and they never responded. I'm not sure where this loan originated. I've always paid my payments on time.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Complaint sub-issue: Inadequate help over the phone

i have disputed this with cfpb before and need help the keep manipulating my credit report this week alone they lower XXXX point with no reason when a car loan company and total credit card tried to report my account they could not please help
Complaint sub-issue: Charged too much interest

On XX/XX/XXXX I received my XXXX 's credit card statement, which was a surprise since I paid the card in full the day I received the XXXX XXXX 's statement. To my surprise, XXXX 's charged me {$2.00} interest on XX/XX/XXXX on a XXXX balance. 

When I called in to them they stated it was for the time between when my statement came out on XX/XX/XXXX, though I was not electronically alerted of my statement until XX/XX/XXXX at which time I paid the balance in full. I had asked for paperless statements so I would get them faster, so there should be no reason I can't get a statement from XXXX the same day they generate the statement. 

I have a few problems with XXXX XXXX and the way they send out statements & charge interest on balances that have been paid in full prior to their due date : 1. They charged me interest on my XX/XX/XXXX statement balance of {$0.00}. Regardless of the fact that on the XX/XX/XXXX statement showing what is due in total in order to pay the account in full by the XXXX due date. 
2. They did not inform me that my statement was available on XX/XX/XXXX until XX/XX/XXXX and then they charged me interest between XX/XX/XXXX-XX/XX/XXXX when I was sent an email that my statement was available. 
3. Additionally, how is it legal to have 4 days pass between when the statement is generated and when a consumer is made aware that it is available and during that time the company charges interest. If that is the way they do it, then my interest should be accruing interest and the consumer would never pay their account in full. Their statements do not come out on the same day, so for me to know which day they would calculate it is not reasonable. 

It feels like XXXX 's does this to see what they can get away with. The interest charged is a small amount, mine was {$2.00}, but more to the point is if you don't question it they will just let you pay it.
Complaint sub-issue: Threatened to take legal action

I received a letter stating that I would be sued for an outstanding balance on a hospital bill in XXXX of 2016. The number to the Mendelson Law Firm was listed as a contact to set up payments before the said court date and I have been making monthly payments with this firm since XXXX of 2016. My issue is that there have been several inconsistencies regarding my account and when I ask questions for clarity, the staff just give me the run around and are extremely rude. Every time that I call the firm to make a payment, they always ask me for my routing number, my bank account number, my social security number, and they even went so far as to ask who I am banking with. As debt collectors, that is a violation of the FDCPA and I am aware of my rights. I do not understand why such personal, sensitive information is required just to make a payment on a hospital bill. When I ask them to explain to me why it is necessary for them to have this information, they put me on hold for prolonged periods of time and the responses are vague and rude. They wo n't allow me to speak with anyone else other than this rude rep who goes by XXXX with no last name, which I find highly suspicious. They will not send me confirmation receipts of my monthly payments anymore. When I ask, they tell me that they will send it out within 7-10 business days and I never receive anything. The balance is listed on my credit report so I called the number provided under the account and the rep said that no one is listed to collect the debt except for them. This really makes me think that this Law firm/debt collector is fake and I do n't feel comfortable paying them another penny and I wo n't. I know that the debt is real. I just do n't believe that Mendelson Law Firm is supposed to be collecting on it. They have a rating of XXXX stars out of XXXX on every site I have researched them on and they are not an accredited business. This needs to be investigated. I 'm afraid that they will drain my personal account dry if I do n't continue to make the payments. I feel extremely helpless. There is no way that I owe two companies for payment on the exact same hospital bill.
Complaint sub-issue: Investigation took more than 30 days

Ally Financial is reporting an account against me that they fail to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The account has late payments being recored against me in Metro 2 in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification of missed payments. Ally Financial wont send any documents, bearing my signature, showing that I have had late payments that follow the rules of Metro 2 and compliance of reporting late payments.. XXXX  and XXXX  have already removed this account from my credit for Violations against the Fair Credit Reporting Act. Ally Financial also didnt furnish the credit bureaus with the required disclosure, within the period required by law. They are required by law to place a notice of dispute on my account within 30 days of my dispute, which you signed for XX/XX/XXXX. I have retained a copy of their signature and date of receipt, as well as time stamps of my credit reports showing that you violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30 day period. Im requesting Ally Financial delete this account off of my credit reports for good for violations against the Fair Set Collection Practices Act.
Complaint sub-issue: Reporting company used your report improperly

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.
Complaint sub-issue: Account information incorrect

US DEPT ED XXXX Balance : {$0.00} This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

US DEPT ED XXXX Balance : {$0.00} Please figure out precisely why the date of last reported is different from other bureaus, this is a violation. Also, give documentation to verify all the charges and credits in this claimed account that caused to the maximum credit number you've exhibited in my file. My request to give these records is a standard information request according to my legal rights honored within the fair credit billing act. 

US DEPT ED XXXX Balance : {$0.00} This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post. 

US DEPT ED XXXX Balance : {$0.00} Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$450.00} Your records are revealing conflicting and incorrect information compared to other bureaus. 

XXXX XXXX ( Original Creditor : 08 XXXX XXXX  ) XXXX Balance : {$480.00} This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX Balance : {$0.00} Delinquencies reported after the account was closed. This is a violation please delete.
Complaint sub-issue: Didn't receive notice of right to dispute

IC systems showed up on my credit report out of nowhere. Ive not received any communication in regards to a debt they are claiming I owe through XXXX XXXX XXXX. I have no knowledge of this debt and I have the right to request for this debt to be validated. Until this company can validate this debt, and provide at least 30 days for me to dispute it needs to be removed from my credit report immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX 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 an account without my written instructions.
Complaint sub-issue: Was not notified of investigation status or results

ORIGINAL DISPUTE : XXXX Print complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/2019 Consumer Number : XXXX Case Number : XXXX It has been well past 15 days since this was submitted to LexisNexis and i still have not received any results nor have they update the original dispute with the requested documentation. LexisNexis has now violated the regulations set forth in FCRA. You had 15 days it has now been well over 30 days since submitted, 28 days since you received it.
Complaint sub-issue: Account status

I am divorced from XXXX XXXX XXXX as recorded on XXXX XXXX, 2013 in the XXXX XXXX XXXX XXXX, XXXX As part of my divorce decree, my ex-wife was deemed entirely responsible for a loan we jointly entered into when married. This loan is with XXXX XXXX Bank and was a loan used to improve a house of which she has current ownership. Even though the payments are less than {$200.00} a month, she has not made them in a timely fashion. I realize that my name is still on the bank records for this loan, but my decree shows that this responsibility is hers and hers alone. The negative impact her continuing poor financial management is having on my credit score is unreasonable. I respectfully request that this entry is removed from my credit score. 
As a second item, I have worked quite hard to satisfy all outstanding debts to the creditors at XXXX, XXXX XXXX, and XXXX. These debts are still showing as unsatisfied ; this is simply not true. Please correct these errors. 
Finally, I feel wrongly penalized for the credit inquiries I have had to request in pursuit of rehabbing my credit after divorce from my financially irresponsible ex-wife. How is a man who has served his country supposed to recover from the financial devastation wreaked by the person at home who was trusted to manage those finances if not by getting records and assessing damage? Please, is there any way to remove the negative rating these inquiries give me?
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed my Equifax report on XX/XX/XXXX and the results of the investigation I received on XX/XX/XXXX. XXXX XXXX XXXX  XXXX account # XXXX is a old account opened in XXXX this needs to be removed from my credit report entirely that is more than 17 years old. I  want it removed asap. 

The XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX Tx XXXX. I paid this note off in full on the XX/XX/XXXX. I told Equifax this and it is still showing on my credit report that I owe  {$13000.00}. I want this updated immediately. 

XXXX XXXX XXXX account was opened in XXXX more than 10 years ago this account is paid in full years ago. I want it removed from my credit report immediately. Instead Equifax put a temporary freeze on file. 

XXXX XXXX XXXX XXXX account number XXXX account opened in XXXX account is more than 10 years old. I want it removed from my credit report immediately. 

XXXX XXXX XXXX account number XXXX account was paid in full and is more than 8 years old. I asked Equafax to remove this account but instead they put a temporary update freeze on file. 



I have proof of payoffs and all account information along with Equafax credit report dated XX/XX/XXXX.
Complaint sub-issue: Problem with fees

In  XXXX  of   XXXX  , I called and spoke with a citi rep about paying off a promotional balance on m y Home Depot char ge card. I paid what he told me I needed to and he assured me that my promotional balance was now paid in full.     When I called later on  XXXX / XXXX /  XXXX   to verify that the payment had been applied correctly to the promotional balance, I was informed that it had not been. The rep assured me that he would fix the problem ; not to worry.     When I received my statement on  XXXX / XXXX /  XXXX  , I found that citi had not fixed the original problem and charged me an additional {$440.00} in interest and purchases. However, I did not make any purchases.     I then called citi for the third time to try to resolve the issue. As of this writing the issue is still not resolved.     The most infuriating part of this is that there is an obvious pattern of deception and aggressive tactics to create mistakes and problems that lead to increased fraudulent gain for citi.     These have been gross, obvious mistakes ; call after call. It has actually gotten worse with each successive call.
Complaint sub-issue: Threatened to sue you for very old debt

I have been contacted multiple times by XXXX XXXX about an auto loan that is past the statute of limitations in tn. The last payment on the acct was in 2009, and according to tn state law for debt, the sol is 6 years. This acct has gone through multiple collection agencies that have attempted to collect on this after the 6 yrs has passed. It has now been 11 years since last payment was made. I tried to advise company of this, and they threatened to have my very small monthly payment from the VA garnished to pay this, leaving me with less than enough $ to pay my Bills to keep my children and myself from being homeless. The agent stated they dont care about myself or my XXXX XXXX XXXX, they just care about their client getting my money. 
They also have never contacted by letter to advise of this debt, the amt owed, or confirmed the last payment made. Only reason made threats against me
Complaint sub-issue: Frequent or repeated calls

I have been getting repeated voicemails from XXXX XXXX XXXX. First and foremost, I have not received any written letter from XXXX XXXX XXXX via U.S. Mail, as required by federal law, informing me of their intent to collect any debt from me, nor my right to dispute the debt. Secondly, I have informed them, via my voicemail, that they are to leave a detailed message why and who they are collecting for and if they continue to harass me I will report them. This method has failed as all they leave for a voicemail is, " This is an attempt to collect a debt by a debt collector. Please call XXXX XXXX XXXX at XXXX. Thank you. '' Third, according my credit reports, I have no outstanding debt that has been referred to a debt collector. Ultimately, XXXX XXXX XXXX needs to stop harassing me with debt collection, when they have the wrong number. Here are some of the calling and voicemail records I have of them. Called and left voicemail : XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX  Called and left no voicemail : XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I have 3 accounts with XXXX XXXX for XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. This company has pulled hard inquiries on two of my accounts which seriously damaged my score and I did not give permission to do a check. I have had these cards for about 2 years. Always made my payments on time I. I called them and all they could tell me is Im sorry there is nothing we can do your accounts have been closed. And when I escalated it to a supervisor I was put on hold for approx. 15 minuets and then they dropped the call. I asked why would you do a credit check on a good standing already active account, and I got a Im sorry! I stated that should I get an attorney for this and thats when I was put on hold for a supervisor and got hung up on. 

There is also one other card I opened with XXXX for XXXX XXXX dollars I activated it but did not use it. They closed that as well before these two accounts So what do I do?
Complaint sub-issue: Threatened or suggested your credit would be damaged

Perhaps this was some debt incurred by someone other than myself, unsure to be exact. This is regarding a company by the name of Recovery One, supposedly opened XX/XX/XXXX. Never had any contract with them or any other company to establish this debt. No formal or informal agreements were ever made by myself. In addition, per The Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020 Section 401 explains details regarding adverse credit details within my credit file. 

The new laws are very explicit regarding All Debts now especially those causing adverse effects on my life. XXXX Credit Bureau is known to not validate/accurately verify debt disputed per formal XXXX XXXXXXXX XXXX. 

Tried calling the company to handle matter but they threatened to take me to court verbally and have me detained, and wages garnished. I called to discuss this and all they did was beraid me/threaten me. I've had it. This is the final step prior to my going to an attorney to establish and execute my rights.
Complaint sub-issue: Their investigation did not fix an error on your report

I received a copy of my credit report and found a few items to be in error. I have attached and FTC report and my letters for each bureau to this complaint.
Complaint sub-issue: Investigation took more than 30 days

I submitted a request to Sagestream for a security freeze on my Sagestream report.

Sagestream ignored my security freeze request and I have attempted to contact them and still no credit freeze has taken place.The FCRA provides me the right for Sagestream to freeze my Sagestream report. I would like the assistance of the CFPB to help me freeze my report with Sagestream.
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 719XXXX 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 three 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Information is missing that should be on the report

On XX/XX/XXXX of this year, I submitted a dispute letter to both XXXX  and Equifax. The letter was sent certified mail and was received by XX/XX/XXXX. 

The letter was notarized, and included supporting documentation for fraudulent information as well as missing information. 

Although the fraudulent information has been removed, so has some information that was accurate. I am an authorized user on the following accounts : - XXXX XXXX - XXXX - OPENED XX/XX/XXXX - XXXX XXXX - XXXX - OPENED XX/XX/XXXX