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

I first received a phone call from United Legal Group regarding a debt in XXXX of XXXX. I told them I have not received any information in the mail regarding this debt and until I do, I will not be speaking with them further because I needed to verify the debt. They proceeded to call me several times to which I reiterated that I again have not received any written communication from them regarding my debt and I believed the debt was past the statute of limitations. 
I received a voicemail from them on XX/XX/XXXX again attempting to contact me about this debt. I then sent an email to the senior vice president of the company as well as the general administrative email online notifying them of their unlawful tactics and requesting information to verify the debt. I requested the name and address of the original creditor, the account number, and the amount owed ; verification there is a valid basis for claiming that I am required to pay the current amount owed ; details about the age and amount of the debt including a copy of the last billing statement from the original creditor, a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claimed the debt became delinquent ; information about whether the debt is within the statute of limitations and how that was determined ; the company 's authority to collect upon the debt including their license number, name on the license, where they are licensed, and the name, address, and telephone number of the agency that licensed them. 

I did not hear back from them until XX/XX/XXXX, which is past the 30 day deadline to verify my debt as outlined in the Fair Debt Collections Practices Act. The letter I received in the mail did not include the information I requested and instead I received a letter stating their correspondence includes documentation that serves to validate the particular debt. This " documentation '' is not even an actual medical statement, but rather has charges for unknown procedures that are coded and no information about what I even had done or who paid a portion of the bill that was charged. 

Furthermore, this " document '' they sent states that the last statement on this account was XX/XX/XXXX rendering this debt nearly 7-years old and beyond the statute of limitations for them to collect upon. I have sent them a certified letter stating that they have violated the XXXX XXXX Collections Practices Act dated on XX/XX/XXXX but despite previously stating that in prior correspondence, they continue to harass me in an attempt to collect an unlawful debt. This company has been reported many times on the XXXX  about their unlawful practices as well. They are attempting to collect a debt for {$380.00} yet this debt was never properly validated and even if they had, it is beyond the statute of limitations.
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX, I was notified by my credit monitoring service that a credit application, in my name, had been received and was being processed by XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX XXXX, ( XXXX ) XXXX. Requested On : XX/XX/XXXX.  Inquiry Type : Individual. This was my first indication I was a victim of identity theft. 
This thief or thieves listed my previous XXXX residence as their home address, and a mailing address in XXXX, XXXX. Although I was able to circumvent this unlawful credit issuance with XXXX XXXX, and they notified the three credit bureaus, EQUIFAX seems to have incorporated the false background information into my real background information. In XX/XX/XXXX, I got a copy of my EQUIFAX credit report which showed my current home address as my former XXXX residence and my current mailing address as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, the same information provided by the identity thief to successfully open a credit account with XXXX XXXX. I submitted a dispute of information with EQUIFAX, but when I attempted to examine the email result of their investigation, I was denied access to the report as I had provided information that does not match our records in the security verification. I have subsequently contacted EQUIFAX representatives on two separate occasions to resolve this issue, but on both occasions ( Confirmation Numbers XXXX and XXXX ) I was asured there was no derogatory information in my credit file, they advised the security questions were gleaned from my credit file. I insisted this information was corrupted by the identity thieves, but EQUIFAX continues to rely on this false information, as I still get the same access denial when I try to access their reports.
Complaint sub-issue: Deposits and withdrawals

In XX/XX/2020, I opened a savings account with CitiBank. I had steadily been depositing funds as there were no indications of any issues. When I went to withdraw funds in early XXXX, I was told that the account had been " FROZEN '' for suspicion of fraud. After several hours, I was then told that the Fraud dept. had nothing to do with the hold but servicing department could help. Servicing department also had no idea but " new accounts department '' could help. That department requested I first send in additional identity documents so I did, via XXXX. When I later followed up, I was first told documents were never received. Two days later they admitted to having received but just not reviewed but promised to review. Here we are, XX/XX/XXXX ; I was told the account is " closed '' and when I asked what happens to my over $ XXXX, they said they have some documents and account review to do and will try to get to it by Tuesday and " she thinks they would send a check to my address '' after that but she wasn't being told much else either. The Supervising Rep that called me from a XXXX number also said she urged them to find a way to release my funds so that I could access money and they were nonresponsive to her and she felt she should not push further and wasn't being told much. I've contacted corporate offices and am told they can not help me. They've given me phone numbers that aren't being answered or that auto drop calls no matter how many times I've called. This is the absolute worst time to experience not having access to much needed funds that I entrusted them with. As an Executive Platinum CitiCard holder, I've been in good standing with them for over 5-10 years ... just 5 months in and Citi is being absolutely horrible at trust worthiness.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX account for {$360.00} is being flagged on my XXXX and Equifax credit reports since XXXX. The collection company is XXXX XXXX XXXX ( XXXX ). Since that time I have disputed the charges with XXXX and the credit bureas. The entries still remain to this day. 
In XXXX I renewed my efforts to remove this invalid account. Below I have documented my correspondences with these companies as of XXXX, XXXX. 

XX/XX/XXXX Mailed Dispute Affidavits to XXXX and Equifax asking for investigation and removal. 

XX/XX/XXXX Reply from Equifax indicating their investigation found that the account was mine and valid. No proof or evidence given. 

XX/XX/XXXX Received notice from XXXX that the account was mine and valid. No proof or valid documentation included. 

XX/XX/XXXX Received reply from XXXX indicating their investigation proved the item was mine and valid. No documentation provided. 

XX/XX/XXXX XXXX XXXX XXXX to both Equifax and XXXX regarding their investigation results. 

XX/XX/XXXX Mailed Dispute Affidavit to XXXX XXXX XXXX. 

XX/XX/XXXX Reply from XXXX that did not provide the information I required or that has any valid information regarding my responsibility for the item in question. 

Please note that XXXX did remove this account after their investigation. How can Equifax and XXXX be doing an investigation and saying it is valid without information even I can not get from the collection agency? From what I understand the are not obeying the Law as per the FCRA.
Complaint sub-issue: Problem with the interest rate

The interest rate is RIDICULOUS Ive never gotten explained this interest rate and i dont recall agreeing to these terms. The sales man was very misleading. Ive tried to get this explained to me or at least get the original contract where Ive signed for this and it has yet to returned to me.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE ACCOUNTS IN MY NAME I AM VICTIM OF FRAUD AND IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XXXX2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).

They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act Elan Financial Services 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 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Problem with customer service

I reached out to Sallie Mae via mail. They received my certified letter in the mail on XX/XX/2022. Sallie Mae did not answer anything pertaining to my letter. I wrote them and asked them how they are saying that I owe them alleged debt without proving to me that this debt belongs to me.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Personal information incorrect

I have submitted numerous complaints already through the CFPB portal so please look to them as reference. Basically, I just found out that my actual SSN is XXXX and received a reprinted card to show exactly that. I attached it below along with my driver 's license. For my entire life, I've been using XXXX because that's what my old SSN card showed because it was misprinted. I spent months trying to get all of the credit bureaus to change the SSN on file to XXXX, but now I need them all to change it to XXXX. I already am in the process of having this situated with my creditor - XXXX XXXX.I also attached the first page of my credit report which clearly shows that the different credit agencies are reporting different SSN 's under my name.
Complaint sub-issue: Account information incorrect

XX/XX/2021 I filed a dispute with all 3 bureaus and XXXX which was reporting inaccurate information and removal. All 3 bureaus didn't respond within 30 days. I have had previous disputes on this item with all 3 bureaus. The item in question is a Bankruptcy. 

XXXX is reporting inaccurate data on the bankruptcy. The item was dismissed and never pursued. The Bankruptcy never was active or made it to court. The filing has errors. 

All agency was asked to remove this from the report numerous times. A 3rd party data company furnished this information to the bureaus as there was no contact made from the Courts which shows how inaccurate it is being reported.

This information that was collected was from a 3rd party and shows several mistakes. 
The action I took with XXXX 1. I ordered my file from XXXX to review 2. I checked it over 3. I found the inaccuracy. Then I, 1. Wrote XXXX and all 3 bureaus 2. Sent a description of the inaccuracy to all four bureaus, 3. Waited 30 days for a response and started filing a complaint when I didn't receive an update or the desired results that should be done.

There were numerous previous letters to all 3 bureaus asking that this erroneous item be removed. With the amount of research I have made on this item my conclusion is that it must be removed based on No direct update from the courts, a 3rd party reporting the data and the data is incorrect. The item is dismissed and never went active in the Courts either and a Bankruptcy never took place.

1. The item was never active 2. It was reported with inaccuracy through XXXX - the information didn't belong on the report, and was pointed out through the dispute letters 3. The data was collected from a 3rd party and not the courts. 4. The biggest erroneous complaint is there was never a bankruptcy that took place. 

As a consumer, I swear that this information is correct. I wish to file a complaint on all 3 Bureaus and XXXX for the removal of the item discussed in this grievance.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was looking over my credit report, and I noticed some inquiries that I did not authorize or make I believe I may be a victime of identity theft. 

I did not do these inquiries listed below : XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Experian FACTUAL DATA XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Application denied

On XX/XX/2018, Citibank, NA sent me a letter declining my application with no other explanation than " because we couldn't verify the accuracy of some of the information you provided. '' The letter lists a phone number, XXXX, which upon being called, played a recording instructing me to refer to the information in the letter, with no possibility of speaking to a representative. 

As part of the application process, Citibank, NA went so far as to demand a photocopy of my Social Security card, which I provided. 

Citibank, NA is neither clear nor helpful in explaining their decision. Further, I believe the information I provided in the application XXXX is accurate, and that I am creditworthy.
Complaint sub-issue: Account status incorrect

XXXX Accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) were paid in full ; Agent stated it would be removed from credit report upon payment. 

Account was not removed ; status showing open when it should be closed and removed from report. 

Filed a formal dispute, investigation was not truly followed as upon completion, it was still reported with mismatches. Showing open on equifax and closed on XXXX. Also, with erroneous and mismatched open dates. 

The below laws are being violated : ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
Complaint sub-issue: Reporting company used your report improperly

For several months, I have been trying to dispute negative accounts from my credit report, several times. XXXX XXXX Recently, I did an investigation on my credit report which caused severe XXXX upon me, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. $ 168i ( 7 ) Method of verification- Description of reinvestigation procedure. 


Listed below are negative accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attached below are recent dispute letter I filed.
Complaint sub-issue: Information belongs to someone else

The following accounts are unknown and unauthorized by me. My identity has been compromised in numerous ways to the point that i can not just pin point the exact source. Years ago my identity was lost with my wallet. But I also know i been a victim of the dark web as well as the infamous Equifax breach. All these episodes are beyond my control. Therefore, I'm demanding that the following unauthorized accounts be removed and block from my credit file immediately. 

1 ) XXXX XXXX XXXX {$120.00} 2 ) XXXX XXXX XXXX {$320.00} 3 ) Dept of ED/XXXX {$7700.00} 4 ) Dept of EDXXXX XXXX {$5100.00} XXXX ) Dept of EDXXXX XXXX {$5700.00} 6 ) Dept of ED/XXXX  {$5000.00} 7 ) Dept of ED/XXXX  {$1600.00}
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX {$10000.00} XXXX XXXX {$9200.00} XXXX XXXX {$4800.00} XXXX XXXX {$0.00} XXXX {$10000.00}
Complaint sub-issue: Debt is not yours

I did not consent to, authorize nor benefit from any of the following : Credco XX/XX/2021
Complaint sub-issue: Information belongs to someone else

I HAVE THESE FRAUD ACCOUNTS ON MY CREDIT FILE AND I FILE AND FTC REPORT BUT THE ACCOUNTS ARE STILL SHOWING ON MY CREDIT I NEED THESE ACCOUNTS REMOVE ASAP. 

1, U.S BANKRUPTCY COUT ACC # XXXX 2,XXXX XXXX XXXX # XXXX 3, XXXX XXXX # XXXX 4,  XXXX XXXX # XXXX 5.XXXX XXXX XXXX # XXXX 6, XXXX XXXX XXXX XXXX XXXX 7, XXXX XXXX XXXX # XXXX 8, XXXX XXXX # XXXX 9, XXXX/XXXX XXXX # XXXX 10, XXXX XXXX # XXXX
Complaint sub-issue: Reporting company used your report improperly

My personal information was compromised as part of the huge hack into the Equifax security breech. I looked on their website this morning ( XX/XX/XXXX ) and it said that my personal information was included in the information hacked. The Tech Security team at my workplace recommended filing a complaint with you.
Complaint sub-issue: Account status incorrect

Good morning! 

I missed XXXX payments ( XXXX, XXXX, XXXX ) in the year of XXXX due to XXXX. 

I reported this to XXXX XXXX during the early stage of XXXX when I was seeking assistance ( i.e. forbearance, loan modification, refinance ). 

On XX/XX/XXXX, I paid my mortgage off in full. Yet, XXXX XXXX has placed serious delinquency on my Equifax credit report ( along with the other credit bureaus ). 

I do not understand why these over two-year-old payments ( due to XXXX ) are still being reflected on my credit report. 

Why didn't XXXX XXXX report to all three credit bureaus that these payments were missed due to the national pandemic? 

Furthermore, why didn't XXXX XXXX update this information when my mortgage was paid in full over two months ago? 

Like others, I have suffered emotionally, physically, and financially from XXXX. I'm still suffering from this pandemic. 

Additionally, I'm suffering XXXX, physically, and financially from the information that XXXX XXXX reported to all three credit bureaus. 

I humbly ask for immediate assistance.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Collection debt for XXXX XXXX is reappearing again. It was discharged last year after working on it for 6 months. Now a year later it is with a new debt collector. This was discharged by XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I may provide for my wife and children.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act These Accounts ; 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 In addition, after reviewing my full credit report, all of the accounts listed above have wildly inconsistent " DATE OF LAST PAYMENT '', " DATE LAST REPORTED '' & " DATE LAST ACTIVE '' information.