Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Not given enough info to verify debt

GLOBAL RECEIVABLES SOLUTIONS XXXX have a a unverified account from. I had previously disputed this account. I have never done business with GLOBAL RECEIVABLES SOLUTIONS. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt GLOBAL RECEIVABLES SOLUTIONS purport I owe. I request that GLOBAL RECEIVABLES SOLUTIONS Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that GLOBAL RECEIVABLES SOLUTIONS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number
Complaint sub-issue: Account information incorrect

All three credit bureaus ( EQUIFAX, XXXX, and XXXX XXXX ) are reporting incorrect information in regards to my Child Support Account. It registers that I 've paid 100 % of the balance but my report remains effected by late payments. Please help me to get this resolved. 

You 've paid off 100 % of the original amount. 
Balance {$1500.00} Highest Balance $ 0 Monthly payment {$300.00} Opened Unknown Term months Payment History Youve made 95 % of payments for this account on time. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last  payment XX/XX/XXXX Current Payment Status 120+ Days Late Worst Payment Status No Info Account Details Account status Open Type Child Support Responsibility Individual Remarks 150 Days past due Times 30/60/90 days late
Complaint sub-issue: Didn't receive enough information to verify debt

One year and a half years ago this company called XXXX XXXX company opened dispute of a account but I didnt receive proper notification or verification of debt of account.the debt wasXXXX. I  contacted them and got no response.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


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: Funds not handled or disbursed as instructed

ETRADE : Opened Account on the XX/XX/2018 Deposited Check for {$1100.00} via edoposit on the same date.

Called to verify receipt.

Agent advised a 10 business day hold which was not what their website advised ( 3 business day hold ) Advised to cancel deposit and account, they hung up on me.

Called back, was given to a Supervisor who would not repeat his name after I verified my information and he reviewed my account. Advised ETRADE closed my account and I would receive a letter in 7-10 business days. 
Received letter today ( XX/XX/2018 ) stating the closure of my checking, savings and investment account but nothing about the money I deposited and they are holding. 
Tried to call but no one knew what was going on and that someone would call me back later. 
Bottom line : I opened accounts. deposited money. They cashed the check. they have the money. They closed my accounts. They are still holding my money and will not advise where my money is. I never used this money to invest in any way. I didn't have the opportunity. This is straight up banking at it's worst.
Complaint sub-issue: Problem with statement of dispute

I am writing to let you know that Equifax is violating the Fair Credit Reporting Act because they have failed to remove an item on my credit report that is in dispute. I previously disputed a collection with XXXX, account number XXXX because I was n't sure what the account was for. Equifax was the only credit bureau to verify it, as XXXX and XXXX deleted it. But I did n't have time to file another dispute because I am in the process of getting a mortgage and the statement of this item being in dispute needed to be removed. I am not sure why Equifax removed the statement of being in dispute on XXXX other accounts, but not this XXXX. I even called in and they gave me confirmation number XXXX and to call XXXX XXXX XXXX XXXX to check on status. Now when I checked my credit report, the statement of dispute is still on there.
Complaint sub-issue: Investigation took more than 30 days

Last XX/XX/2018, I sent this credit repository a letter via fax requesting the XXXX XXXX   account ref # XXXX to be removed and blocked from my credit report pursuant to FCRA 605B. Pursuant to FCRA 605B a reported fraudulent account MUST be removed from a consumer 's credit report within 4 business days. Attached to this complaint is a copy of my Police Report and FTC ID theft report and copy of the letter faxed to this credit bureau.
Complaint sub-issue: Information belongs to someone else

XXXX is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX provided statements, but no signed contract between XXXX and XXXX XXXX giving authorization to report on my consumer report. Requesting that this company be removed from my consumer report immediately.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/22 I received notice from my credit report monitoring service of a new balance on my Citi card. I tried to login online but my password didnt work, so called CIticard and found out there were 8 purchases made out of my state between XXXX for a total of {$7500.00}. None of these purchases were made by me. My card was canceled and the charges were disputed and was told could take 2 billing cycles. After reviewing my credit report I noticed an address out of state that is not mine and disputed it and froze my credit report. I called back was told the investigation was closed because I needed to answer questions but I never received the email, so I answered their questions on that phone call and was told investigation would be reopened. I called back again and was told investigation was closed based on the card having a chip being used for these purchases in other states that I have not been to. They told me to file police report, postal report and send an email to their security operations manager to reopen investigation which I sent on XXXX. I called back to confirm they received email but was told they would make a note about my call. Upon further questioning I found out my citi card had been mail to the wrong out of state address on my credit report. So it seems someone changed my address and had new card sent to that address and then used my card to make fraudulent purchases. Its been over 2 months my card is accumulating lates fees and interest on these fraud purchases. I dont want my credit to be affected. I need help with disputing these fraud purchases with Citi card. Thanks.
Complaint sub-issue: Talked to a third party about my debt

I understand that I have a debt with Discover but they have been repeatedly sharing my sister 's phone number with other agencies when I never supplied that phone number to them.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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: Public record information inaccurate

After reviewing my credit report I noticed incorrect accounts that were negatively reflecting on my report hindering me from obtaining and sustaining proper living conditions for me and my family. By them not properly and accurately verifying accounts they are violating me and breaking the law by not following the FCRA. I have included another letter in the attachments that you can provide them to remove accounts and delete all unauthorized inquires from my file.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting XXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX  XXXX acct # s XXXX & XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Stress i have the right to privacy.

15 U.S.C 1681 section 604 A section 2. It alson states a consumer reporting agency can not furnish a account without written instructions
Complaint sub-issue: Didn't receive enough information to verify debt

Good Morning CFPB Research Team, I keep getting several phone calls per day from IC System Inc. regarding a debt I asked them to Verified the debt with proof of my sigutaure are something in writing I asked them several time to Validate the debt no respond but yet they keep calling me at work on my cell leaving very abuse message treating me with Arrest warrant I advise them that the law is clear they need to validate this debt with proof of signature I 'm still waiting but yet they still calling me Thanks XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

i have sent two letters over 90 days ago about items that where not mine showing on my credit report. XXXX  and XXXX has already fixed the issue but equifax has yet to respond. iv sent multiple letters and no response.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I am not an attorney nor am I a third party I am filing this complaint on my own behalf because it is my legal right to do so. I have an unverified from XXXX XXXX XXXX # XXXX this is the second time I have requested legal documentation or any type of proof of owership. I did not receive any response back. Please delete the following unknown addresses they don not belong to me : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX PL XXXX XXXX XXXX VA, XXXX XXXX XXXX CT XXXX OH, XXXX
Complaint sub-issue: Seized or attempted to seize your property

Hunter Warfield refuses to provide proof of debt Hunter Warfield NEVER sent notice of debt This debt was never even reported to the credit agencies so how valid can this debt be? 

Hunter Warfield refuses to provide an explanation of debt and the date it was incurred Hunter Warfield used strong arm tactics to prevent me from being approved for an apartment in which I need to live. Hunter Warfield 's tactics are illegal and have caused me to be homeless at this time. 

The balance was paid by my father so I can have an apartment and there is still no resolution to this problem.
Complaint sub-issue: Problem using a debit or ATM card

I was a member of a gym ( XXXX XXXX in XXXX XXXX XXXX ) that I prepaid for an entire year in XX/XX/XXXX. Then, in XX/XX/XXXX, I rented a locker from the gym on a month-to-month rental agreement for the rate of {$35.00} per month. I voluntarily prepaid {$380.00} through their online system in order to not have to pay monthly. However, by XX/XX/XXXX, I realized that I could no longer be a member of the gym, due to logistics and scheduling issues. I requested that the gym cancel my membership and reimburse/refund the remainder of the locker fees ( {$310.00}, calculated as {$380.00} minus {$35.00} XXXX minus {$35.00} XXXX ). The gym ignored me for some amount of time, then stated by email that they considered the locker payment to somehow be a membership payment : " Those 2 payments in question are both considered paid-in-full memberships even though one was somehow applied to a locker. We can not issue refunds on paid-in-full memberships. '' Following this, the gym stated " The best way to handle this is for you to dispute the locker invoices for the months not used, plus I think there was an accidental charge today of {$70.00} while the girl was looking over your account, and I will not fight the dispute if it looks right. '' ( They were clearly just trying to keep the money and make it difficult for me to get it back. ) Subsequently, I filed a dispute with my bank, Ally Bank, stating the same and providing the documentation enclosed with this complaint. Inexplicably, Ally Bank refused to resolve the dispute in my favor, even though : ( 1 ) the gym stated that they wanted me to dispute it with my bank and that they would allow the dispute to rule in my favor ; ( 2 ) the gym 's continued possession of the {$310.00} is a breach of contract and a violation of contract law ( as it was a month-to-month agreement where I voluntarily prepaid for 12 months ) ; and ( 3 ) my bank has an obligation to address issues of fraud and, since the gym made a written admission as to the fraudulent categorization of the monies paid, this dispute involved fraud. Despite all of my best efforts, Ally Bank repeatedly and willfully misconstrued basic facts, duties and obligations, and the law. Even though I haven't had a locker with the gym since the end of XX/XX/XXXX ( having terminated my month-to-month rental agreement ), the gym has unlawfully kept {$310.00} of my money and Ally Bank has refused to act appropriately.
Complaint sub-issue: Card was charged for something you did not purchase with the card

This complaint is with discover. I opened the card but most of the charges on it were not made by me. They were made by my sister. I used about XXXX. The rest was not authorized by me. The woman on this case called me about it and this is exactly what I told her. It should not be at XXXX and I should not have a judgment. I didn't have legal council and their attorney practically fed me what to say. XXXX never even showed up. Also I did my block dis cover from my credit reports they have been frozen because of proven fraud starting in XX/XX/XXXX she filed taxes using my social address birth date etc. The irs proved it fraud then 2 breaches 1 in early XX/XX/XXXX fraud alert and freeze. And again in XX/XX/XXXX from the XXXX  breech. So they are all frozen until XX/XX/XXXX. Over 82 inquirie s were made to get bank accounts cellphone service tv providers and credit some went through some didn't. I have the police reports naming her the person mainly doing this to me for years. She definitely did it on my discover card. Just 2 years before the taxes I opened it. She has a lot of unmediated mental problems.
Complaint sub-issue: Account information incorrect

THE ACCOUNT IS LISTED AS 30 DAYS LATE WHEN I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND IT HAS AFFECTED MY CREDIT IN A BAD WAY
Complaint sub-issue: Information belongs to someone else

These account have been sold. I am no longer liable for the alleged. An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.
Complaint sub-issue: Reinserted previously deleted info

I have disputed with Equifax a public record ( state tax lien ) on my credit report. I ordered a copy of my credit report and I saw an entry from XXXX court hourse. I contacted the XXXX clerk of courts and there is no state tax lien. The court does not report any information to the credit bureaus or anyone else and is unaware of what information the credit bureaus or anyone else may have obtained from public records which can be inaccurate. Equifax deleted my State Tax Lien and than within 2 days later added it back which is not allowed, and illegal without the credit burea sendiing me something in writing within 5 days. EQUIFAX already has a Federal Class action settlement ( Civil No XXXX MHL XXXX XXXX for this exact same issue.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of Identity theft and XXXX, Equifax, and XXXX is reporting information that does not belong to me.In addition, they have not responded to my request for deletion sent via certified mail recieved by them XX/XX/2018 and XX/XX/2018.
Complaint sub-issue: Not given enough info to verify debt

This is a complaint from XXXX XXXX against D & A Services for D & A 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, consumer, XXXX XXXX, received a demand letter from creditor, D & A Services. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over 3 months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Complaint sub-issue: Information belongs to someone else

I sent multiples letters to the bureau for account MISSISSIPPI XXXX XXXX XXXX stating the information is unverified and I also asked for proof of a sign document but never received any documents
Complaint sub-issue: Trouble with how payments are being handled

I tried to pay my student loan in full with Great Lakes on the due date of XX/XX/XXXX in the amount of {$13000.00} by phone. The phone payment computer was not working and it finally took my payment on XX/XX/XXXX using an agent. Instead of a XXXX -XXXX- balance, I am being billed for a {$51.00} balance plus interest since XX/XX/XXXX. Great Lakes is only posting my payment in full ( {$13000.00} ) as am " Amount Paid Ahead '' causing me to incur interest. The customer service representative told me that I must still pay daily interest even though I paid in full. This disputed balance is being reported on my credit report. The technical difficulty in accepting payment was caused by Great Lakes. It is outrageous for someone to have their credit crippled due to Great Lakes error. Especially with the payment of {$13000.00} in one lump sum having been made.
Complaint sub-issue: Right to dispute notice not received

When I tried to apply to our credit union for a car loan, I was turned down due to XXXX outstanding debts on my credit report. Both were from XXXX XXXX XXXX XXXX ; XXXX in the amount of {$450.00}, the other {$170.00}. Both were dated XXXX/XXXX/11. I called XXXX to see how to pay these, and they said since they were so old, they could find no record of them. I even told them what my last name was at that time and gave them the address of where I was living at that time. I explained that on the credit report a company named Remit Corporation was listed as the debt collector, but they said they did n't know what company that was. They gave me the number of the company they use for debt collection, so I called them. That company is also telling me they have no record, using both my name or my social security number. So, if there is no record of these so I can pay them and get them off of my credit report, I would like to know why they are still there and PLEASE GET THEM OFF OF MY CREDIT REPORT! Thank you for your assistance.
Complaint sub-issue: Trouble with how payments are handled

I am a cosigner for Sallie Mae loans for XXXX sons, XXXX in college and XXXX graduated. I am paying the loans online monthly manually. I routinely pay them at the same time together. I pay them from the same personal checking account. The past few months, one of the payments is always rejected, the one that I make last. I have called customer service on multiple occasions and they refuse to help. They can not explain and they refuse to allow me to speak to anyone else. My bank is not rejecting the payments and in fact is not receiving the second payment withdraw request. I normally have a balance of several thousand dollars so there is never a low balance issue.
Complaint sub-issue: Card opened as result of identity theft or fraud

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2019 with a balance of {$8700.00} which I did not make. I have this police report before where I lost my phone where I stored my personal information.
Complaint sub-issue: Received bad information about your loan

My account with AES Success had zero behind payments and I had just sent in extra money above what I owed in XXXX and the money was taken from my bank. Nearly {$1900.00}. I only owe {$360.00} a month. And I overpaid on purpose to try and finally get closer to paying my loan off. On XX/XX/XXXX my monthly direct deposit for the normal {$360.00} was also cashed and collected. On XX/XX/XXXX, they sent my account to collections!!!!!! AES confirmed for me on the phone that my account was placed into collections for defaulting on payments and as a result they closed the account, and reported it to the credit bureaus. They also confirmed they see the payments were successful and I didnt have any past due amounts owed. I was promised a print out of my entire account payment history along with my current balance after demanding it multiple times even though they kept trying to talk me out of requesting it and she kept saying her computer was slow that day and unless I had all day to stay on the phone with her I probably should just let it go. Let it go?!?!?! I was finally assured itd get a copy in the mail within 7-10 business days. Today is XX/XX/XXXX and I have yet to receive that. They said they cant tell me who owns my loan now. We have no idea who ends up getting your loan. So, we just cant give you that information. So then WHY- just yesterday- on XX/XX/XXXX, did AES take my $ XXXX  monthly direct deposit out of my account!! If my account is in collections- with an unknown lender - and my account with AES is closed - than HOW are they still taking my money!!! How can I contact the new lender if I am being refused to know the name and contact number of- them. And how, if I cant change or stop payments or even see if it was applied to a balance I have no access to view, am I supposed to fix this?! I told them on XX/XX/XXXX they made a mistake. They told me I could consider disputing it but we cant guarantee if or when that would be handled. I disputed it with them IMMEDIATELY- while still on the phone. They admitted to me they can see my payment history and that I didnt have any past due payments on my account I owed to warrant sending this to a debt collector. I got a letter in the mail telling me my dispute is denied but I can send them PROOF of me not owing money past due. How am I supposed to do that when they have shut off access to my account and refuse to send me my payment history in writing!!!!!!!!!! This has to be illegal?!!! You people should be sick with grief over the REAL DAMAGE you are causing people!!!!!