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

This is the letter I sent describing my situation : I recently received a letter from " Merchants Credit Association '' saying that XXXX of my bills from XXXX XXXX XXXX XXXX went to collections. I never received these bills and they were never paid for by my insurance company. 

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 

These item, : Account : XXXX Date : XXXX/XXXX/XXXX Payments : {$420.00} Account : XXXX Date : XXXX/XXXX/XXXX Amount : {$53.00} After digging around all day and speaking with someone from the XXXX XXXX XXXX billing department, I am still unaware of what the bills were for, as the billing person I spoke to ( XXXX ) had no information on the bills sent to collections and had little help to offer me. She basically told me that she could not help me. After speaking to her for some time, it was determined that the billing address you had on file for me at that time was the following : XXXX XXXX XXXX XXXX, WA XXXX, However, my mailing address has been the following since XXXX ( which can be seen in my attached credit report and Alaska XXXX reports since XXXX ) : XXXX XXXX XXXX XXXX, AK XXXX In addition, my insurance only had XXXX claim from XXXX XXXX XXXX from XXXX XXXX, dated XXXX/XXXX/XXXX. A copy of this claim is attached. As it turns out, the billing company not only had my incorrect billing address, but they also had my incorrect insurance information, none of which I knew about until yesterday when I opened my letter from Merchants Credit Association ( account number : XXXX ). 

I am requesting that the items be removed from my credit report ( which will also be contested to the Federal Credit Bureau ), correct the information, and rebilled to the correct insurance company ( XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX, PayorID XXXX ). I more than anything want this to be paid, but will not do so until I have the written assurance it will be removed from my credit report, as this was at the fault of the XXXX XXXX XXXX XXXX billing department and not mine. I have also filed a claim with the XXXX, which will be resolved once I have in writing that this has been taken care of. I am also requesting a detailed report of the services associated with the above dates.
Complaint sub-issue: Trouble with how payments are handled

I have student loans with XXXX private student loans ( XXXX XXXX XXXX XXXX ) is LOAN SCIENCE , LLC. I have currently XXXX dollars of student debt. Every month, I pay about {$200.00}. I have just called them and ask them if they take under the consideration that I have another student loans to pay and if they could lower my payments. My interest rate is 6.640 % Variable. ( it seem much higher ) What happened if I get sick or lose my job. They said there is not their problem, and I have to pay 200 monthly for other 18 years. I am 48 years woman live in poverty and do n't have any retirement plan because of my student loans. I also have government student loans, and they are so flexible and take life circumstances under the consideration. This is so cruel that I ca n't refinance my student loans and ca n't do anything about it. Coming from another country and going to college is my biggest mistake ever in this country. I wish I would turn the time and never go to college here. XXXX is horrible company!! Is there anything I can do about it!! Can I refinance? I think that interest is much higher than 6.60 %. Can I hire the service to investigate my account? I think something is not right!
Complaint sub-issue: Their investigation did not fix an error on your report

Ive contacted Equifax to advise them that there was an account opened and inquires that I didnt authorize on my credit report and the issue have not been resolved. I am a victim of identity theft. I do not know who the person is but I didnt authorize anyone to open an account in my name or run my report.
Complaint sub-issue: Problem with personal statement of dispute

This process is a result of a Joint Credit Pull for a house and we found out about this ... .On XX/XX/XXXX, I, XXXX ( XXXX ) XXXX , started a validation process with SEARS/CBNA in reference to account # XXXX and sent them a Certified Letter asking for validation of debt within 30 days ( Exhibit A ). I didnt receive a letter from SEARS/CBNA, therefore, on XX/XX/XXXX, I sent a final goodwill letter attempting to clear up the matter ( Exhibit B ). I did received a letter dated XX/XX/XXXX from SEARS/CBNA, also known as Citibank, stating that the debt was sent to an collection agency, XXXX   XXXX ( Exhibit C ). A letter was also sent to XXXX XXXX and their attempt to collect debt stopped. After receiving numerous letters from a new collection agency, XXXX XXXX, a letter was sent to them to validate debt on XX/XX/XXXX ( Exhibit D ). A letter was received from XXXX XXXX stating they were forwarded my letter to Citibank for review and suspending all collection activities ( Exhibit E ).
Complaint sub-issue: Their investigation did not fix an error on your report

Good afternoon Team EQUIFAX : In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Im writing to dispute for the second time the following in my file. The item i dispute alse are encircled on the attachment copy of report i received. This item # XXXX of XXXX XXXX XXXX disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ) is inaccurate or incomplete because ( describe what is inaccurate or incomplete and why ). Im requesting that the item be deleted ( or request another specific change ) to correct the information. Use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents ) Enclosed are copies of documents supporting my position. Please reinvestigate this ( these ) matter and delete or correct the disputed items as soon as possible
Complaint sub-issue: Investigation took more than 30 days

Recently had an account show up on my credit report and the credit bureau was asked to verify its validity sent a correspondence on XX/XX/2020 the matter has not been resolved and the dispute has been open since. For Equifax, XXXX  and XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I have a Best Buy XXXX credit card with Citicards. My account number is XXXX. 

On XX/XX/XXXX2017, I was assessed a charge in the amount of {$67.00} from a XXXX store in XXXX, HI. I live in XXXX XXXX, CA, and have never been to XXXX or to any XXXX store in XXXX. 

I disputed the charge on Best Buy 's credit services website. However, they responded, " A valid card on your account was presented at the time of this purchase, '' and refused to remove the erroneous charge, Since I repeat, I have never been to XXXX, and the card was never out of my possession, it is impossible this charge belongs to me.
Complaint sub-issue: Account information incorrect

I did not consent to, or authorize or benefit from the following fraudulent inquiries. PLEASE block and remove them. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These hard inquiries are listed on my report illegally and without proper written consent or my knowledge : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX US Sm Bus Admin ODA XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

I sent several certified letters to  Lexis Nexis  disputing information on the report I obtained from them and did not receive a response back with 30 days from the first letter being sent out in  XXXX  I had also made a phone call inquiring to see if they received my complaint and the representative said they did, but I guess it was never addressed.I requested that they send me proof of a bankruptcy filing from the courts that they are trying to show on my records, which they are saying they verified with the court themselves and I called the court and was told they do not verify or report any information to any of the credit bureaus, so that information was not true. I am waiting on written confirmation from the court just to have a back up to show that they do not verify anything with any of the credit bureaus including  Lexis Nexis , so they are not telling the truth and can not provide me the proper verification.
Complaint sub-issue: Problem getting your free annual credit report

I am submitting this complaint against Equifax. No third party is involved. I was unable to retrieve my annual credit report. I called in and spoke with a rep and was still unable to retrieve my credit report.
Complaint sub-issue: Reporting company used your report improperly

Discover bank as violated my consumer rights according to the FCRA. 

Under 15 U.S.C 1681a ( 2 ) ( B ) Exclusions from a consumer report. This account is in violation. Any credit transaction suppose to be excluded from a consumer credit report if a social security was used in the transaction. 

Under 15 U.S.C 1681- Permissible purposes of consumer reports. I never gave discover bank any written consent to report anything on my consumer reports. No consent is identity theft
Complaint sub-issue: Information is missing that should be on the report

I called XXXX, LENDING CLUB, & XXXX to try and resolve the following matter but unfortunately the lady that was speaking to me was rude, unprofessional, and not helpful at all. I recently reviewed my credit REPORTS and observed that XXXX IS NOT reporting my monthly payments to all the credit bureaus, XXXX, XXXX, & XXXX. Furthermore, XXXX, LENDING CLUB, & XXXX has a note on my credit report which states " National Disaster ''.
Complaint sub-issue: Threatened to sue on too old debt

I just received a call from XXXX, a man named XXXX XXXX who informed me that I would get legal action put against me from a US Bank credit card account from XXXX. The statute of limitations is not only up on this account, but I paid it in full through a collection agency called XXXX XXXX in XXXX which has now closed, but record has me paying off my account. The File number is XXXX. I have a letter saying I have paid that account in full. This is also shown as paid in full on my credit report. Please folllow-up with me on this issue. Thank you!
Complaint sub-issue: Can't stop withdrawals from your account

In the process of resolving a disputed transaction that occurred on XX/XX/XXXX ( for the amt of {$600.00} ) Direct Express, on XX/XX/XXXX, withdrew {$600.00} in total from my account, deposited only {$300.00} immediately there after ( which hasn't cleared as of the date of this complaint ), and justified its actions via phone call to their customer service Dispute Resolution Dept as the being part of the decision to only allow me to recoup one part of the financial losses that occurred on XX/XX/XXXX. 

The disputed financial loss that is in dispute occurred from an XXXXXXXX XXXX that retracted the withdrawn amount due to timing out. I waited a few days to address the occurrence with the XXXX XXXX due to my thinking that the return of the credit would happen automatically. After a few days of the credit not posting for pending, i called the company and was informed that the only recourse for me was to contact my financial institution and dispute the transaction. They opened a case file and gave me the reference number to forward to my financial institution so they could use it in their investigation. When I called Direct Express the next day, I learned there was an additional ATM withdrawal that I wasn't aware of. I called XXXX again and informed them of that problem and they gave me a separate case number for that problem. It was also described by XXXX as a computer glitch. 

Direct Express provisionally resolved the dispute on XX/XX/XXXX and then later retracted that recoupment without posting the retractment to my account as a - XXXX Their process requires dispute documentation to be returned in a timely manner in order for the provisional credit to be made into an actual credit. That did not occur so the credit disappeared. This made it difficult for the service agent to adequately assist me in gathering information when I called on XXXX about the transactions. I was giving them more information than they had readily available to them. 
Revolving balance accounts are not available on the consumer side of Direct Express ' transaction records- otherwise I could attach documents that show the provisional credit was withdrawn from my account. As it stands it's only my word that i can offer. 

On XX/XX/XXXX, i sent in the dispute documentation via email and on XX/XX/XXXX another credit totalling {$600.00} was deposited to my account and was withdrawn on XX/XX/XXXX. 

While contacting the dispute dept on XXXX, I was informed that Direct Express had determined that it was only going to replace XXXX of the XXXX ATM transaction losses that led to the dispute. Furthermore, i was explicitly told that the other transaction was addressed via credit from the ATM company without any proof either on the consumer end or the service agent of my Direct Express account.
Complaint sub-issue: Debt resulted from identity theft

Collection agent said that I wrote a check to  XXXX   XXXX  from a   XXXX    XXXX   XXXX  account that I do not have. He would not give me any information, contradicted information that he would give me, said the drivers license obtained in conjunction with the check was not me. I am afraid this is fraud on the collection agent 's part. He was rude, demeaning, and abusive. In fact, he acted like he was a child, whining and making fun of m e. Recovery One,   XXXX   XXXX   XXXX
Complaint sub-issue: Debt is not yours

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6.  Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX - XXXX
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX all three credit reporting agencies XXXX, XXXX  and XXXX, noted a hard pull on my credit from Factual Data/ XXXX XXXX 1 ) I have made no such requests for a hard pull of my credit, online or otherwise. 2 ) I am an XXXX XXXX and was in Michigan in the midst of XXXX an XX/XX/XXXX series on elder abuse XXXX XXXX   XXXX so I would not have had the time to make such a request. 3 ) I am renting at present with no plans to purchase a home. 4 ) I have worked diligently to repair my credit following a XXXX bankruptcy. I, therefore, do not authorize hard pulls unless I intend to secure a new line of credit. 5 ) The hard pull on my report resulted in a two-point drop in my score at all three agencies. It will take until XX/XX/XXXX for this hard pull to no longer to affect my credit. I contacted all three credit agencies to file a dispute and they informed me I would need to reach out to Factual data directly. I did so on XX/XX/XXXX and was told by an abrasive customer service representative that they had no record of any of the banks or companies with which they do business requesting such a hard pull on my credit and that I " must have requested it online. '' When I told them that I had not, they informed me to take it up with XXXX XXXX. After two days of going back and forth with a customer service rep. I received a call from XXXX XXXX on behalf of XXXX XXXX. He informed me that none of XXXX XXXX XXXX mortgage brokers had authorized such a pull and that it " happened online. '' When I informed him that I had made no such application, he replied " we get a lot of people saying that so it is company policy not to remove the inquiry '' ( basically inferring that I was lying. ) He added that even if I could prove I made no such action there was a " 99.9 percent chance we will do nothing. ''
Complaint sub-issue: Threatened to sue you for very old debt

I received a voicemail from a XXXX XXXX. She left no identifying company that she worked for, but said that she would need me to be available on Thursday at my residence with a valid ID to " sign for certified documentation. '' She gave me a claim number, and a phone number to call the " mediation office. '' The voicemail was threatening in nature, and said that she would be at my home on Thursday with legal papers unless I called the mediation office and they gave her a " stop order. '' I immediately phoned the number that she gave me to the mediation center, and got the voicemail of someone named XXXX. There was no last name, and no identifying what company or entity he works for. I left him a message that they are no longer to contact me in this matter.
Complaint sub-issue: Billing problem

On XXXX XXXX, 2021, I purchased the vehicle at the end of the lease agreement through my own bank. Tesla Finance has an overpayment which is owed to me in the amount of {$5000.00}. Tesla refuses to refund the money owed claiming they are backlogged. The vehicle last XXXX in the VIN number is XXXX.
Complaint sub-issue: Debt was result of identity theft

This Collection must be reported in error. Please provide me with the Validation of Debt and stop reporting it without VOD. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. Please discard this collection for FCRA violations because I do not think it is 100 % accurate.
Complaint sub-issue: Personal information incorrect

To Whom It May Concern  XXXX    XXXX   XXXX   XXXX    XXXX , CA  XXXX    XXXX     XXXX   XXXX   XXXX    XXXX , TX   XXXX   Equifax   XXXX   XXXX   XXXX    XXXX , GA   XXXX    XXXX ,   XXXX   SOC SEC   #   XXXX   DOB    XX/XX/XXXX      XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  I HAVE BEEN LIVING THERE SINCE   XX/XX/XXXX  H ave enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS :   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my bills with my Name and current address.
 XXXX ,   XXXX    SOC SEC  #   XXXX   DOB   XX/XX/XXXX     XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX   XXXX XXXX, XXXX XXXX