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

I found out that MRSBPO LLC had opened a collections account via a credit monitoring service as derogatory mark against my account. The account was opened XX/XX/XXXX. 

Previously I had no notification, or contact with MRSBPO LLC. The original account was a XXXX account which had an additional month of service billed after cancelation of the account, which was disputed with XXXX. 

Originally it was attempted to be resolved directly with XXXX but they did not have enough length of record to determine why this additional month of service was owed. XXXX refused to drop the amount, even though I had record of all months of service paid in full up to the receipt and confirmed date of return of equipment. Which by direction of XXXX themselves, was to be specifically XX/XX/XXXX in order to NOT incur another month of payment. 

This debt was passed to collection. A company called XXXX XXXX XXXX opened a similar tactic account with out ever contacting me. This was submitted in a previous CFPB complaint ID : XXXX. 

XXXX XXXX was supposed to send me written debt verification, we sent some emails, confirmed mailing address, etc. Talked with them on the phone, they closed the account they had opened on my credit with OUT verifying debt. And then never sent me anything or called me back, etc. 

It appears they just passed the account on to MRSBPO LLC. Which some background research has lead me to find that they attempt to notify XXXX accounts by sending a MMS message image to phones. A tactic commonly utilized by scammers and is prone to being automatically filtered by anti-spam software on newer smartphones. 

Having never sent a written letter ( which a correct address would have been confirmed from the dealings with XXXX XXXX ) or a voicemail, phonecall, etc. 

When I called them to notify they had fraudulently opened my account with out ever making a meaningful attempt to notify or verify the debt they denied they had done anything such, and suggest I provide my attorneys number. 

I expressed to XXXX XXXX that I had a full record of my payments to XXXX from starting service, which XXXX themselves admitted they do not even have. Of which I payed in full ever month of service up to my physical return of the equipment. 

At this point the account is just being bounced from agency to agency and they are utilizing damage to credit score to bully a payment. 

Attached was the originally disputed account from XXXX XXXX, the last email correspondence and the new account as reported on credit monitoring services.
Complaint sub-issue: Reporting company used your report improperly

On Friday, XXXX, I became aware of the Equifax data breach/hack that happened between XX/XX/XXXX and XXXX of 2017. Using their victim identification site, equifaxsecurity2017.com, I was listed as a potential victim. My information, along with the information of hundreds of millions of Americans, was clearly mishandled by Equifax and puts us all at risk of identity theft and the negative consequences of that. 

Furthermore, Equifax was negligent in its handling of alerting potential victims. Not only did Equifax not notify anyone quickly enough, it has admitted it will not notify everyone. Furthermore, credit freezing should be done free of charge and not require a police report to be free. It is absurd to require a police report when the damages of identity theft can occur much sooner than knowing a crime has been committed.
Complaint sub-issue: Reporting company used your report improperly

These agencies ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are in violatation of 15 USC 1692g . These agencies were to notify me of this in writing 5 days prior, I was not. As the original creditor only I can validate this debt. I do not validate these debts. Therefore, these accounts listed above must be deleted from my credit report. The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;
Complaint sub-issue: Reporting company used your report improperly

Equifax use my identity and share my information with another person and there is XXXX  unauthorize hard inquiries on my credit report.My credit scores is around XXXX.

Also XXXX and XXXX has n't deleted the negatives of unauthorize hard inquiries and negatives after Bankruptcy chapter XXXX on XX/XX/XXXX it was discharged on XX/XX/XXXX by Federal Judge.
Complaint sub-issue: Information belongs to someone else

Again, I was a victim of identity theft and the letter I submitted to the Credit Bureaus on XX/XX/XXXX, was my third written request to block and remove the information in my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove and block any accounts not later than 4 business days after XX/XX/XXXX. Ive already included this report in a previous letter & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts in their accuracy. Remove the Following accounts as they were never authorized and were opened due to Identity Theft : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$3300.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} ; XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$670.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX. ) XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX ; and XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights, 15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit consumer credit plan as late for purpose.
Complaint sub-issue: Funds not received from closed account

I received my XXXX Targeted ( {$10000.00} ) and Supplemental Advance Grants ( {$5000.00} ) in my account back in XXXX of XXXX. My account was closed due to Citibank saying that I can not get a loan deposited into a personal account. First and foremost IT WAS NOT A LOAN it was a GRANT that I was approved for through the XXXX. So first order of business was Citibank would not give me any type of information about my account and said that it will take 60 days for them to close my account and the remaining funds will be sent to me via a check. 60 days came and went ( XX/XX/XXXX ). I kept calling and calling and getting the same run around, the customer service reps seem to not have any information about my missing money. So I sent an email to their executive response unit and received an email a few days later asking me to send in a proof that I am eligible to receive the loan. Citibank wanted to me send in a professional license ( because I am a barber ) WHICH I DID. They wanted me to send in proof of my business being established before XXXX WHICH I ALSO DID. They send me a response saying that they still WILL NOT send me my money that I am eligible for and that i rightfully received from the XXXX last year. IT IS NOT THEIR PLACE TO HOLD MY MONEY IN A ( LEDGER ) ACCOUNT AS THEY CLAIM. It is not up to them to screen me on money that I already was approved to have from the XXXX, and it definitely is not their place to hold the money against my will and not tell me anything about whats going on. This has been going on almost 5 months and they still are holding money that is rightfully mine somewhere that I have no idea about. I received an email from Citibank on XX/XX/XXXX, stating that I need to FAX them a written letter to authorize Citibank to return the money back to the XXXX. I have tried to fax the letter all day and it fails everytime I try to fax it. I believe the number I was given to fax IS NOT VALID. After doing everything I was told to do to receive my funds they still have yet to send me my money and its starting to seem intentional and I am so frustrated with them.
Complaint sub-issue: Reporting company used your report improperly

My personal information was compromised via Equifax.
Complaint sub-issue: Account status incorrect

Discovery financial services fraudulent reporting my credit card account 30 days past late for XX/XX/2021 ; the account was never late, I have my credit card with discovery financial services set up on direct payment electronic through my bank : ending in XXXX for the past few years. I was under the impression that discovery financial services had drafted my payment, but instead reported to credit bureaus that my account was past due for the month of XX/XX/2021 was 30 days past due. This is fraudulent and they need to remove this fraudulent activity from my credit file. After speaking with discovery financial services they agree to remove from my credit file, but its still showing up as 30 days past due for the month of XX/XX/2021 ; the discovery financial services representative told me they were reporting falsely because the program ended in XX/XX/2021 : discovery financial services is practicing fraudulent activities to gain money from customers that is not owed for late fees, as well reporting false information to credit bureaus and I want this removed from my credit file immediately. Discovery financial services have totally excess to my banking institutions and authorized to withdraw any funds or payments due on my credit card product with them. This needs to be invested and adjusted. Discovery financial services had agreement to remove this fraudulent late 30 days from my credit file but refusing to do so.
Complaint sub-issue: Information belongs to someone else

My credit file is being handled by the special fraud team with XXXX   and I can not get a hold of any one in reference unauthorized accounts and inquires among other errors. Also there is a fraud alert on my XXXX report with the wrong number! Cant reach anyone who could help me there and Equifax has no record of my police report I sent them last year to address my disputes and these different addresses keeps appearing on my report and I tell them to take it off and next thing I know I call back and I cant be authenticated because something else has popped up. Then check systems wont remove fraudent information off my record where its hard for me to open up bank accounts. I was notified by XXXX credit monitoring that my email addressed and personal information was hacked and my telephone number was somehow possibly being used. Ive spent many of hours dealing with this. My personal information was also involved with the Equifax XXXX data breach.
Complaint sub-issue: Their investigation did not fix an error on your report

I have an account showing on my credit files from XXXX XXXX ( Account number listed : XXXX ) I have never had an account with XXXX XXXX. This is a fraudulent account opened by someone using my identification. 

The loan shows that it was opened in XXXX of 2018 and no payments were ever made on it. 

I have disputed this with all three bureaus and it remains on my account. I have contacted XXXX XXXX for their dispute process. They agreed to send me information to start a fraud investigation. I have not received it.
Complaint sub-issue: Account information incorrect

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent accounts from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any accounts listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report.

These are the following lists of accounts that do not belong to me or were opened without my permission : FST XXXX  Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX FST XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX CTR Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Balance Owed : {$30.00} Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Balance Owed : {$590.00} Date Opened : XX/XX/XXXX XXXX XXXX ADJUST Account # : XXXX Balance Owed : {$790.00} Date Opened : XX/XX/XXXX XXXX/XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$650.00} Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX OF XXXX  Account # : XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX Account # : XXXX Balance Owed : {$450.00} Date Opened : XX/XX/XXXX XXXX  XXXX Account # : XXXX Balance Owed : {$520.00} Date Opened : XX/XX/XXXX XXXX  FIN Account # : XXXX Balance Owed : {$2700.00} Date Opened : XX/XX/XXXX XXXX FIN Account # : XXXX Balance Owed : {$12000.00} Date Opened : XX/XX/XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX XXXX XXXX are reporting a {$9900.00} fraudulent loan on my credit report. I have disputed this loan several times and it is still reflecting this fraudulent loan on my account. 
This loan is a case of identity theft. I have attempted to contact XXXX XXXX XXXX to tell them this was fraudulent and inaccurate. I also reported this fraudulent account to Equifax who also have refused to update and remove the account from my credit report. 
I have repeated since XX/XX/22 asked Equifax to remove this account because it was a case of identity theft. Have incorrectly verified the account has accurate.
Complaint sub-issue: Information is not mine

This is a Formal Complaint Against Equifax. 

You are reporting inaccurate credit information. 

Company : XXXX XXXXAddress : XXXX, AZ XXXXXXXXAccount Number : XXXXDate Opened : XXXX/XXXX/2007Source : EQUIFAXThe tradeline/account/information therefore needs to be removed/deleted. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. 

I have been writing Equifax regarding the removal of this tradeline for over 6 months. 

The listed item is entirely inaccurate and as such represents a very serious error in your reporting. 

Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline. Note that section 1681s-2 ( b ) of the Fair Credit Reporting Act creates a cause of action for a consumer against a furnisher of erroneous credit information ( XXXX ). 

Please know that you have 30 days to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Complaint sub-issue: Information belongs to someone else

On XXXX, I check my credit through XXXX XXXX  website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX  directly, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX  stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license.
Complaint sub-issue: Account status incorrect

The lender repossessed the vehicle. The lender is reporting me as continually late to the credit agencies. I do not believe I owe money on this loan and it should have been closed after the vehicle was taken back. Please let me know what is going on.
Complaint sub-issue: Late or other fees

I was charge over XXXX dollars in fees for low funds or no funds. It was sent to a collections agency and showing a negative impact in my credit.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/2022 and again on XX/XX/2022 fraudulent transactions were made against my checking account. 
On the account detail line " Telecheck '' and their phone number appears in the payee line.

I have contacted the company who refuse to assist in any way, claiming they were not the recipient of the stolen money.

However Telecheck facilitated the theft, allowing and encouraging the final recipient to steal the funds.
Complaint sub-issue: Reporting company used your report improperly

As of XX/XX/17, my personal information and credit information is listed as potentially impacted by the EquiFax security breach on : https XXXX XXXX. I am currently in the process of reviewing my banking and credit information and placing fraud alerts with all 3 credit bureaus to be proactive regarding the protection of my personal information. 

My complaint is that the effort I normally take to protect my finances and ensure accurate information was not matched by EquiFax, a company trusted to securely and truthfully report my credit information. It is unacceptable that this breach took weeks to announce without any attempt to first contact the affected consumers and announce what resolution they were seeking to rectify the situation. It is equally unacceptable that at this point, because the data announced as stolen is so vague and widespread, I am forced to assume that my entire credit history and personal identity is at risk. 

As of the time of this complaint, I have not encountered any fraudulent activity, but this situation is one that will require close monitoring for years to come. If even one piece of my PII is used to engage in fraudulent activity, it will be directly due to EquiFax 's actions and inactions regarding this breach.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$770.00} 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: Received bad information about your loan

I called Myfedloan.org on XX/XX/2022 to request a refund on my 5 most recent payments made during the XXXX forbearance period. I was helped by an employee with Employee ID = XXXX. We went through the process of requesting a refund and the employee told me that my refund request had been submitted and I should see a refund within the next few months and my loans will be re-instated. I waited a few months, XX/XX/2022, and called Myfedloan.org again after not receiving a refund, re-instatement of my loans, nor any updates. I was told by an employee with Employee ID = XXXX that my refund request had been noted and recorded but the actual process was not started/initiated. I went through the process of requesting a refund and providing the appropriate information to the employee. I was told that the request had been approved by the employees supervisor and I should see the refund within the next few months and my loans will be re-instated.
Complaint sub-issue: Overcharged for something you did purchase with the card

I contacted Klarna via phone and chat to resolve a billing dispute. There was an overcharge in the amount of {$290.00} + tax for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ). Klarna suggested to contact XXXX to resolve any billing issues. I contacted XXXX, whom informed me they didn't have any record of a purchase from XXXX XXXX on or around XX/XX/2022. I than reported the information back to Klarna. Klarna then suggested I contact the merchant ; although, I noticed XXXX had processed a partial returned totaling {$160.00} on order reference number XXXX. I spoke with XXXX XXXX ( merchant ) on Sunday, XX/XX/2022 at XXXX XXXX. We discussed inaccurate billing amount submitted to Klarna 's one time XXXX card ending in XXXX. XXXX XXXX informed me a charge of {$470.00} was authorized for order number : XXXX on XX/XX/2022 and only that amount was submitted. XXXX XXXX provided the invoice receipt, in which, doesn't include an item Klarna 's order reference XXXX have listed. Merchant advice to contact Klarna again to resolve discrepancies in billing one their side. Klarna have refused to make modification to reflect the order total in the amount of {$470.00}. I was scheduled to make installment payments to Klarna. I made one payment totaling {$190.00} ; yet, I discontinued to make any farther payments until this matter is resolved. I should have a remaining balance of {$280.00} but Klarna reflects a balance of {$420.00}.