Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

Because of a clerical error in the interaction between XXXX XXXX and our auto insurance company, XXXX XXXX, an old bill was sent by XXXX to a debt collector, Recovery One LLC. Once I realized the problem I cleared up the issue on a conference call between XXXX and XXXX XXXX, and XXXX recalled the debt from Recovery One. However, the debt collection calls from XXXX XXXX never stopped, with multiple calls per day, and recently added harassment of my wife. It has been over a month since Recovery One should have received notice from XXXX and the calls continue. Repeated attempts to inform Recovery One that the issue was resolved have been rebuffed, requests to be transferred to a supervisor for resolution have been denied, and Ive been further threatened that failure to resolve the debt with them may result in reporting to credit agencies. Insisting on more information, even additional information to identify themselves ( even just the city and state of their company ) resulted in immediate termination of the call. XXXX has been positive and responsive, and so has XXXX XXXX. Recovery One is the only one at fault and their tactics, threats, rudeness, and failure to provide a process for resolution in such a situation is utterly inexcusable.
Complaint sub-issue: Problem with customer service

I called Mohela today and I have been unable to speak with a live representative. I keep being passed from automated to automated machine. No option of speaking with anyone. After 30 minutes going around in circles I gave up. I just need to speak to a live representative so I can get the assistance I need.
Complaint sub-issue: Information belongs to someone else

On XX/XX/19, My attorney mailed a debt validation letter to XXXX and XXXX ( Please see attached letter ). XXXX did not respond. Additionally, they reported a fraudulent account to my credit file and did not list it as disputed. XXXX and XXXX is violating the Fair Debt Reporting Act and the FCRA.
Complaint sub-issue: Problem with fees

I pay my apartment rent every month with my e-check with the management building leasing office. Now after two times my e-check bounced ( due to things out of control ). This month I had the option to use a credit card to pay the rent. My complaint is the leasing office system ( the convenience fees are very high ). For example a {$2000.00} rent a convenience fee of {$52.00} dollars with a Mastercard card. 

I am stuck now with the credit card option. Today I had to pay my rent using the credit card. 

How do the leasing companies, handles these convenience fees, for every time the rent is paid.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

All 3 credit bureaus. XX/XX/XXXX XXXX XXXX and Equifax. has not updated my correct in XXXX count. I have enclosed all dispute documents to all 3 bureaus. XX/XX/XXXX Equifax and XXXX XXXX. I want this documents to be complied with an updated on my credit report.
Complaint sub-issue: Trouble with how payments are being handled

I made my fourth of three monthly payments to the servicer in XXXX, which made me eligible for their Get Current Program, which meant that my past due payments would be brought current, and I would be enrolled into their direct debit program moving forward. On XX/XX/XXXX, I checked my bank account and realized the XXXX payment hadn't been withdrawn, so I made it over the phone. It was not debited from my account until XX/XX/XXXX. This also mea n't my payment was more than 60 days late and the company reported a late payment to the credit bureaus. 
On or about XX/XX/XXXX, I spoke to XXXX with Firstmark Services, and explained to him that I made my XXXX payment but that it was not debited and I had to make another payment as soon as I realized. He said if they researched the call and found out I made a payment, my payment that posted on XX/XX/XXXX could be retroactively applied to my account and I would be credited with a XXXX payment, and I would qualify for the Get Current Program. He needed me to find out the exact date and time of the XXXX call, which I did after spending an hour on the phone with XXXX XXXX XXXX. I called and gave him the information and to this day and 6 calls later, have not received a response. XXXX also said they could retract the late payment report to the credit bureaus. I made another payment in XXXX so as not to have another hit to my credit. Despite being provided with he information XXXX requested to resolve the issue, I have never received a call back.
Complaint sub-issue: Information belongs to someone else

You are in violation of my rights under the FCRA and FDCPA. Pursuant to 1692j of title 15, written by congress, it is unlawful to design, compile, and furnish ANY form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of OR in an attempt to collect a debt such consumer allegedly owes. The debt collectors of these accounts listed below were unable to provide proper validation of these alleged accounts to me, so how is your company reporting this to my consumer report? Please provide in detail the procedures that were used in order to verify these alleged accounts. If you are unable to do so, these alleged accounts must be removed immediately, as under the Gramm-Leach-Bliley Act, 15 USC 6801, its is not only detrimental to me as a consumer, but an invasion of my privacy and these inaccurate accounts are harmful to my reputation as a consumer. It is unlaw to report any inaccurate information to my consumer report, as unverified information is identity theft and an act of constructive fraud. As written by congress the failure to comply with the removal of these inaccurate accounts makes you liable under section 1692k of title 15 and 1681n of title 15. 

XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have unauthorized inquires on my credit report that i do not recognize. I've tried to handle the situation but didn't get a response. I'm asking cfpb to help me with this situation.
Complaint sub-issue: Can't temporarily delay making payments

Hello, I have been having consistent issues with my lender, regarding getting my student loan forgiveness process started. A about 4 years ago I was contacted by a counselor from XXXX-XXXX. She contacted me on behalf of the Federal Student Loan program. She stated that she had someone on the line that was wanting to speak to me about starting payments on my loans, and helping me enroll in the forgiveness program. After speaking with the man on the phone, he stated that if I made consecutive payments of about {$200.00}, for about 8 months, I would be setup with the student loan forgiveness program ( I have bank statements showing the withdrawal of these funds ). Fast forward to now and I am still getting calls and letters stating that the interest on my loans are still increasing, and now requesting payment. I contacted the loan department of education, and explained all of this to a young lady on the phone ( I also recorded this conversation if it is needed ). She advised me that there are 3rd parties that will charge you for this free service. I questioned her further and advised her that I was contacted by my counselor, and she called me and connected me to someone working for the Department of Education. She advised me that she would email everything that I needed to start the forbearance process. I sent all of the requested info. in, including my most recent pay stub. The process was only approved for a month, and then I received a letter stating that the information I supplied was not enough to determine my monthly gross pay. Again, I supplied all the information that she requested. This has been highly frustrating considering that I already paid money month after month, that I didn't have, to start a process that still hasn't started. This whole thing seems like a scam. I have also contacted a firm that is already working cases like this, and have been advised that my loans qualify for forgiveness. Any assistance you can offer would be greatly appreciated. Thank you for your time.
Complaint sub-issue: Information belongs to someone else

I have a large amount inquiries that I didnt authorize or have knowledge of. My information was leaking and my private information was leaked and since this breach I recently pulled my reports for the first time and was alarmed at all of the hard inquiries that I was not responsible for nor did I authorize. I submitted a police report and the credit bureaus refuse to help. I am aware that reporting fraudulent information on a credit report is illegal. And this is hindering my ability to obtain credit.
Complaint sub-issue: Debt is not yours

I entered into a contract with XXXX XXXX XXXX to which a loan contract was agreed to in which they would pay that loan in exchange to use my home as a XXXX XXXX. 
The loan was to be paid by a check paid by XXXX giving me a check for {$1500.00} to pay the {$120.00} into XXXX months and was to be paid XXXX yrs or 60 months which XXXX assured to be paid off. 
I never aware of any loan by Aqua Finance or signed a contract with Aqua Finance. I never consented to an account with XXXX XXXX XXXX. XXXX has closed its office here in XXXX XXXX after moving around to different offices, making it hard to track them down. 
They have XXXX complaints against them with the XXXX and a ( F ) ratingXXXX has vanished. And no longer responding to Emails. All phone numbers are disconnected and are no longer issueing the {$1500.00} checks. I upheld my end of the Bargain and Contract with XXXX and never signed any Loan Agreement with Aqua Finance
Complaint sub-issue: Debt is not yours

EOS CCA a Debt Collection Agency put a debt collection report on my credit reporting in XX/XX/2021 with a mailing address of XXXX Ct, XXXX VA, a XXXX debt of {$260.00}, which I was never contacted via mail or phone call regarding this alleged debt from XXXX or EOS. I never lived at XXXX or had a XXXX account ever. I don't even know anyone that lived at that address. They have on my credit report the XXXX bill is from XX/XX/2021, I have lived at my current address for over 6 years. I have never once received any letter or calls from this debt collector claiming I owe this alleged XXXX debt prior to them putting it on my XXXX credit report. I discovered it on my credit report in XXXX and called them to provide all information regarding this debt, after 30 days, I then disputed with XXXX credit agency and it was removed from my credit report because EOS CCA never replied to them within 30 days the law allows. XX/XX/2021, they put it back on my XXXX credit report this time with a mailing address of XXXX XXXX XXXX VA that I haven't lived at in over 15 years, again no call or mail from them. I reached out to them again via phone call and they refused to give me any information just stating I owe this debt. I am once again disputing it with XXXX, however, if they are doing unethical and illegal debt collection practices, this is not going to go away, even if XXXX removes it again, my fair is it will continue to be placed back on my credit report.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX XXXX XXXX with the address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, phone # XXXX is attempting to collect a debt from an account that does not exist. The letter is in reference to a XXXX Citibank credit card account, which does not exist. I only have a membership with the XXXX XXXX, and have no credit account with them. The collection amount is {$280.00}, charge-off date XX/XX/2018. Letter was received XX/XX/18.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 I sent out letters to credit bureaus regarding incorrect accounts I have in my credit report. And up until now, I can still those accounts in my credit report. Why must they take this long to handle this situation. Not knowing what is going on has become stressful and I urge you to find out what is going on. Thanks.
Complaint sub-issue: Account information incorrect

I have an Dept of Ed/XXXX account that was opened on XX/XX/XXXX thats reporting 2 late payments. I have disputed the late payments with the 3 credit bureaus on the basis of reporting inaccurate information. Each time the 3 credit bureaus stated that the Dept of Ed/XXXX  verified the late payments as accurate. I received a email from Dept of Ed/XXXX  on XX/XX/XXXX. It states that ; this is a reminder that your current 12- month Income-Driven Repayment ( IDR ) period will expire soon. How are the late payments accurate if I was on a 12 month IDR plan? I am uploading my email and a screenshot from XXXX XXXX of the late payments.
Complaint sub-issue: Threatened to sue on too old debt

I was called by a representative of XXXX ( XXXX ) XXXX, who refused to give his name. He threatened to bring a law suit against me for a long past debt from Citibank NA, that is almost 7 years old. The debt is from Maryland which has a 3 year statute of limitations. When I informed him of this, he said first that Maryland has a 5 yr statute ( which was a lie ) and claimed that my debt was only 3.5 years old. He then claimed that Maryland has a 7 year statute ( which is also a lie ). 

He claimed that no matter what, they would be filing a lawsuit in Maryland for debt collection. This has not yet happened. 

When I pointed out the law to him, and also pointed out that the debt had been settled in my opinion from a past agreement with Citibank, he threatened to call my current employer and inform them that I owe a debt. 

In retaliation they added a debt collection notice on my credit report on XX/XX/2017. They listed debt as 2 years, 4 months old ( a lie ) when it is actually almost 7 years old.
Complaint sub-issue: Information belongs to someone else

I have repeatedly tried to have Equifax, XXXX and XXXX remove items from my credit report that wasn't mine. They've refused. Even when I filed FTC and police reports. Please have them remove the items listed in my FTC reports.
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. Please delete the items as soon as possible as it is hindering me.
Complaint sub-issue: Personal information incorrect

Looking into my files noticed that there are several things that are not correct. First up my name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX, NC XXXX my SS is XXXX-XXXX-XXXX. My DOB is XX/XX/XXXX. Please delete any variations of my name. There are SS numbers that are not mine XXX-XX-XXXX, XXX-XX-XXXXplease delete. 
Please delete the following addresses they are not mine : XXXX XXXX XXXX   XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, SC XXXX
Complaint sub-issue: Received bad information about your loan

On XX/XX/XXXX my school, XXXX XXXX, went through its billing cycle ensuring that classes were paid for. We the students patiently waited for our refund checks to be deposited or sent and weeks went by with no update. Now here we are at the start of XXXX and we are finding out through articles on the internet, not the school itself, that the funds for the refunds are not there. There seems to be nothing to school can do at this point to ensure all students receive their refunds. The school was to refund me a stipend amount of {$6300.00} but failed to do so. I need to understand how this can be remedied.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 I sent a letter to XXXX and Equifax requesting validation of debts and derogatory marks being reported to my credit. As of XX/XX/2021 I have not received any form of validation. This is against the Fair credit reporting act law stating agencies have a 30 day window to provide validation. The following accounts and inquiries were listed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

Despite an account being closed for over a decade, XXXX XXXX XXXX is reporting a CURRENT foreclosure for the month of XX/XX/XXXX on my credit reports at the Equifax, XXXX and XXXX consumer reporting agencies. Said entry - under account number XXXX - had a negative date of last activity of XX/XX/XXXX. When disputed to the credit reporting agencies, the account was not deleted, but updated to a CURRENT foreclosure status, severely impacting my credit worthiness. The negative account is over ten years old and must be removed from my credit report.
Complaint sub-issue: Problem with fees

CITI Charging Cash Advance and Interest Fees on XXXX Transactions Card : AT & T Universal Card - Mastercard As of XX/XX/2020, CITI appears to have started charging cash advance and interest fees on XXXX transactions. I have used XXXX for over a year with it linked to my credit card and they never previously assessed these fees. As of my recent statement starting XX/XX/2020, I am now being assessed cash advance and interest fees. More importantly, I never received any notification from CITI about in change in terms and them starting to assess fees on XXXX transactions. 

I contacted CITI multiple times and all representatives insisted that charges for cash advances has always been part of the card terms. I informed them that I have never previously been assessed a cash advance fee for XXXX transaction, and they refused to acknowledge that fact. Rather, they put the blame on XXXX and said the merchant needs to fix their integration with XXXX. I've been using these same XXXX merchants for a year and this was never a problem previously. 

In all, it seems that CITI is scamming its customers and refusing to acknowledge the change on their end.
Complaint sub-issue: Other problem getting your report or credit score

For match 2020 until the current day, I've been trying to apply for a mortgage. Equifax has given me the run around. Fake promises and lying
Complaint sub-issue: Reporting company used your report improperly

I XXXX XXXX is taking time to submit a complaint against XXXX XXXX XXXX XXXX as a member of the XXXX Community, believing that a collection is being posted against me as a violation of my rights under the Fair Debt Collection Practices Act. The problem on this collection of {$1400.00} that is reported on my credit bureaus is from a car accident I had back in 2019, whereas there was gap insurance that should have covered the loss of my vehicle to cover the no-fault portion on coverage from another carrier. The problem being that the vehicle was aged and the value was far less that what was owed on it. XXXX XXXX XXXX XXXX has its own internal insurance based on these types of scenarios that are also reported in their 10Q quarterly filings with the Securities and Exchange Commission. This collection is what can be termed a double-dip on profitability. In essence, this shortage has already been covered by XXXX and their internal reporting process on charged-off secured debts, and the balance should de deleted altogether, my credit report should be updated to PAID IN FULL, and the charge-off status must be deleted permanently. XXXX is using a XXXX accounting system that hurts consumers in the XXXX Community, and I believe that if the Consumer Financial Protection Bureau ever gets into an internal audit with XXXX, it will find that XXXX  is a part of its back end profits they simply are not entitled to. My credit report is being held hostage for a minor profit that may sound small in scale to the wealthy corporate giant like XXXX, but believe me, this negative reporting has hurt me badly financially. My balance must be XXXX immediately, and as a professional courtesy by XXXX, the entire account should be deleted off of my credit reports with XXXX, Equifax and XXXX XXXX collectively. XXXX is also violating its subscriber agreement with all bureau in this corrupt and egregious reporting on a debt that was already covered through XXXX internal self-insurance capacities.
Complaint sub-issue: Fraudulent loan

I purchased the vehicle three years ago, I believed the stipulations on the loan were to high, so I tried to refinance through my Credit Union and I was told I would have to give them. {$3000.00}, because the car was not the worth the value I paid for it. I was unable to refinance it through anyone. 
Carmax is a RIP Off. 
Sincerely, XXXX