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

According to Federal Trade Commission guidelines, a debt collection can not be valid without the following criteria from a debt collector : The debt collection must be bonded and licensed. There are no licensing requirements in the state of New York, but the collection firm must show evidence that they are registered to do business in the state of New York through the Office of the Secretary of State in XXXX, New York. No such proof has been submitted with the attached letter. The debt collector must be bonded, no proof of bonding was submitted. A signed copy of the legal right to collect must be submitted showing proof of any power of attorney, transfer rights or ownership. No such documentation was ever submitted. Accordingly, the attached attempt to collect a debt on behalf of XXXX XXXX is deemed VOID. My complaint for such documentation will stand in any state or federal court. Therefore, I demand a full compliance before Allied Interstate attempts any debt from me personally without proper documentation.
Complaint sub-issue: Information belongs to someone else

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXXXXXX, Citicards CBNA, and XXXX XXXX XXXX. The Account Opened is XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}. The Account Opened is Citicards CBNA Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$35000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Complaint sub-issue: Account information incorrect

I disputed inaccurate and incomplete information on credit card Account # XXXX with XXXX and XXXX XXXX See attached. This account has been reporting incomplete information throughout the entirety of its life. In the XXXX report, there are 12 months that are reporting inaccurate and incomplete information. In the XXXX report, they are reporting incomplete information for 23 months, and inaccurate information for the month of XX/XX/2021. Furthermore, after disputing with the credit reporting agencies, I have not received any correspondence from Citibank acknowledging my disputes. It is unclear whether or not Citibank is reinvestigating the information being reported. I also can not access my bank statements at this time because their website is down, but I will most certainly provide those at a later date.
Complaint sub-issue: Information is not mine

I have submitted serveral times proof of ongoing identity theft and the company refuses to delete inaccurate information they they calme to be verified by a third party called XXXX related to inaccurate BK information. I have submitted an ID theft report attached and information from XXXX themselves showing no such file. For more than ten years someone has been using variations of my social and committing theft. I have notified the IRS and all involved authorities and expect the CRAs to act accordingly Please have them abide by the laws set for this time of situation and block this information or delete it.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX.
Complaint sub-issue: Debt is not yours

The following information pertains to case # XXXX : At the beginning of XX/XX/XXXX, I received an Intercept Funds Notice letting me know that {$460.00} dollars were withheld from my state taxes refund for XXXX. The agency listed was the XXXX Superior Court. 

I contacted the XXXX Superior Court and talked to Ms. XXXX XXXX on multiple occasions. She told me that I owed money for a traffic violation which allegedly took place in XXXX XXXX. I explained to her that I've never even been in that area. I was asked to submit a copy of my driver 's license and my social security card. I sent them the requested documents, and they acknowledged I was not the person they were looking for. 

In XX/XX/XXXX, I was told by Ms. XXXX that I'd be getting a refund of the money withheld. However, that never happened. I contacted her again sometime in XX/XX/XXXX to find out the status of my refund, but she explained to me that my money was being held by a collection agency named EOS CCA. She gave me the phone number to call them, which I did. However, every time I called them, they told me I had to talk to Mr. XXXX ( I don't have his last name, sorry ). 

I called Mr. XXXX on XX/XX/XXXX, and then multiple times after that during a period of almost 4 weeks. Every time I called him, he never answered the phone. So, I left him a message every time I called him, but he never called me back. The last time I called him, I told him I would sue the collection company that he works for. I said that so that he would at least try calling me back, but that never happened. 

I've spent months trying to get back the money that was withheld from me illegally, but I've gotten nowhere. In the middle of a pandemic, such as the one we are going through right now, every penny counts. Please, help me get my money back. Thank you for your time!
Complaint sub-issue: Information belongs to someone else

I dont believe that two accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 
Also, I am requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. 

Because I dont recognize these debts, and for the ones I recognize, I dont believe I owe as much as it says I do, I am also asking that you no longer contact me by phone about them, especially because people are calling my cellphone and I dont want calls to my cellphone. 
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Complaint sub-issue: Investigation took more than 30 days

Under FCRA law the investigations took more than 30-45 days and I haven't been notified of any results of the investigation.
Complaint sub-issue: Their investigation did not fix an error on your report

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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: Credit inquiries on your report that you don't recognize

I did not authorize these inquiries on my personal credit. 
Some duplicates are from car dealers that I did not give them permission to check my credit. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Complaint sub-issue: Account information incorrect

There are fraudulent inquiries and inaccurate account infromation on my report
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My SSN and credit profile was released by XXXX companies. I checked my credit report and I have a number of inquiries that are not mine. I have called the companies and they say I must dispute with the bureau. I contacted the bureaus and they say I must make a report with your agency.
Complaint sub-issue: Other problem getting your report or credit score

XXXX not updating scores and i paid to see all 3 bureaus
Complaint sub-issue: Didn't receive enough information to verify debt

I was contacted by someone who name is either XXXX or XXXX I think not sure but she say she is with D2 management and they have an old debt for me from 2015 that was through my bridge provider. I just want to know if its a valid debt because its too many scams going around. They say I owe {$600.00}. Then told me I only had a 7 day grace period to pay or setup a pay plan and they still cant guarantee my file will be in office in 7 days. When I asked for an address all she said was look it up they are XXXX  accredited and information should come up about them online. Even if I do look it up that doesnt mean its the real company calling so I s, wanting to just verify this is real debt.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the following with all three CRA 's with a dispute reason of " contract cancelled '' notating " no contract '' from XXXXXX2017 forward. The accounts were never verified or validated by the CRA 's and no additional information was provided. 

The contracts were cancelled with the creditor and I did not sign any contract with the collection agency that they sold the account to making my liability with the collection agency null and void. 

XXXX- {$310.00} XXXX XXXX- {$310.00} XXXXXXXX XXXX XXXX - {$870.00} XXXX XXXX XXXX- {$60.00}
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX texted my spouse, he called her and she informed him of a debt we are unaware of and is not on his credit report. He asked her to call me his spouse. She called me and in course of our conversation she stated she pulled all " our '' financial records. THis debt incurred in XX/XX/XXXX before I even knew my spouse to whom I married in XX/XX/XXXX. She then mentioned that I had a deed for a house in my name, asked about why XXXX XXXX was on the deed but removed and stated and " you dint have a mortgage. '' When I replied my house was purchased by me soley in XX/XX/XXXX she stated that did not matter because Tn was a non spousal state insinuating that they would come after my home if my Spouse did not pay the debt that is not even on his credit report. We received no written communication with rights to contest debt and no proof of debt. 

They have called myself and my spouse twice this week in the matter of 4 days after I informed her my spouses dad had died on Monday. Today XX/XX/XXXX she called my spouse and drilled him about IRA, 401K and  whole life insurance that he could possibly take funds from to pay a bill we have no proof is even his or owed despite the fact that she knew my spouses dad dies three days ago. 

When my spouse stated he was discussing this with our attorney she pushed for attorneys information and why was he he talking to attorney about bankruptcy.
Complaint sub-issue: Was not notified of investigation status or results

I am submitting a complaint as a last resort. I have tried to work with each bureau for over the last two years fixing errors on my report with no success. During that timeframe I've paid higher interest rates, higher insurance rates, been denied for credit cards and apartments that i would have otherwise qualified for. They have ignored my request to provide me with the documents that their company has on file that was used to verify information on my accounts such as XXXX, XXXX XXXX, and payment status on my student loans. All three bureaus are reporting said accounts differently and we all know that's not possible. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA they are required to " ... .promptly delete all information which can not be verified. " that I have disputed multiple times. Please help resolve this problem as soon as possible. Kindly.
Complaint sub-issue: Reporting company used your report improperly

Equifax leaked my personal info along with my SSN to unauthorized users.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hard Incuries were reportedto my credit report without my authorization or knowledge. The customer service would not help take care of the negative inquiries reporting on my credit report.
Complaint sub-issue: Reinserted previously deleted info

item 's on my credit file was deleted. ( XXXX credit card with a balance of {$580.00} ) because this information reported was false. also info on a XXXX privet student loan with a balance of XXXX and XXXX XXXX privet student loan with a balance of XXXX the information being reported on these accounts are completely false and does not comply with the fair credit reporting act 15 USC 1681 et seq
Complaint sub-issue: Problem during payment process

home depot credit service refuses to credit payment from account money debited from bank account refuse to answer repeated calls inquires home depot is a bad faith credit and sales company they also dely credit reporting by months at a time
Complaint sub-issue: Billing problem

My husband and I took out a loan for an XXXX XXXX XXXX Bank in XX/XX/XXXX. SST took over the loan shortly thereafter ( Acct # XXXX ). The loan required automatic monthly withdrawals from our checking account of {$300.00}. These withdrawals took place with no issues for nearly 7 years, then in XX/XX/XXXX, for an unknown reason SST submitted the request for payment to our bank using the wrong checking account number. The bank branch manager confirmed the wrong account number was provided by SST and sent us a screenshot for our records ( bank transaction record of attempt and denial uploaded ). The bank denied the payment ( there have been no changes to our banking situation/account, etc. ). This mistake on SST 's part resulted in a delinquent payment and negatively impacted our long-standing excellent credit scores by more than XXXX points each! When I realized something went wrong I paid what was in arrears immediately including late fees. 
When we explained the situation and asked for resolution on XX/XX/XXXX, they said they would have a manager in their dispute resolution group call us. We have not received a phone call response as of XX/XX/XXXX. I also note that their automatic payment policy includes a statement that says once notified of an error, they will determine if an error occurred within 10 business days and will correct any error promptly. 
We received a letter dated XX/XX/XXXX from SST responding to a request to remove negative comments from our credit history. However, it is clear that instead of investigating the situation they simply confirmed payment was made more than 30 days late ( see uploaded SST letter ). It also appears that they are charging us {$45.00} for a " XXXX XXXX XXXX '' on XX/XX/XXXX ( see last page of uploaded SST letter ). 
We are in the middle of refinancing our home, and this mistake on SST 's part will end up costing us tens of thousands of dollars over the life of our new loan since their mistake means we no longer have stellar credit scores and will not get the best rate. 
SST has not owned or even acknowledged their mistake nor made any attempt to make it right for us, loyal customers of 7+ years. 
I have sent a response letter to SST requesting an actual investigation to identify why an incorrect account number was used, dated XX/XX/XXXX ( see uploaded letter to SST ).
Complaint sub-issue: Account status incorrect

This letter is regarding account # XXXX, which you claim my account was late 3 times. My Citi CREDIT CARD account was NEVER LATE and the status should be CURRENT. It is reporting incorrectly on 2 Credit Bureaus ( XXXX  and XXXX ) and not reporting at all on XXXX. This account should not have ANY late payments AT ALL. I am in the United States XXXX and this account is affecting my ability to secure a Mortgage and could potentially mess with my XXXX XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX
Complaint sub-issue: Credit denial

I was told that I was unable to get a loan through Carvana because of my job, not because of my income but because I am an XXXX XXXX. I had gotten a car loan from them a year previously and I was approved and now they say they dont give car loans to ride share drivers.
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 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: Reporting company used your report improperly

In Accordance with The Fair Credit Reporting Act XXXX and XXXX XXXX XXXX XXXX and 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 602 A .Section 2 : IT Also States A Consumer Reporting Agency can not Furnish a Account Without My Written Instructions. 

15 U.S.C 1681b A Creditor May not treat a payment on a Credit Card Account under an open end Consumer Credit Plan as a Late for Any Reason
Complaint sub-issue: Other problem getting your report or credit score

My identity was compromised not long ago. I had to put credit freezes and fraud alerts on my accounts and information. Then I had to change phone numbers. I recently discovered my new phone number was compromised and was trying to update my Equifax account but the account was still tied to the old phone number and the email was not working for some unknown reason. In the past when the password doesnt work and the email is stubborn ( an error that occurred surprisingly often ) I would contact the company verify my identity and then they would send me the email to reset the password. But instead of this after I explain the entire situation and literally give them my entire credit history. Including the exact date I filed for my bankruptcy with the court. I also sent them a photo of myself and a copy of my ID front and back per the link I was sent and still I am told I failed the authorization process and they cant grant me access to my account. Because the information I provided does not match the information they have on my credit report. ( Keep in mind I am telling them my identity is compromised and there is a good chance that an unauthorized person has access to my phone number and address ) They dont ask me for security questions that would weed out a criminal and I provided literally all the identification they needed and more. Photo. Photo ID. Social security number, address, old phone that was linked to the account, credit history including dates, current loans. Address, birthday. Because of the actions that they took my account was kept in danger of being in the hands of criminals. They did nothing to help.