Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I received my 1st letter ever from AFNI Collections on XX/XX/XXXX about an account I owed XXXX XXXX XXXX XXXX. The letter was dated XX/XX/XXXX. In the letter they wanted to offer a settlement and stated I had 30 days to call them to dispute the balance or validate the debt and if I didn't respond it would be placed on my credit report. 
I immediately contacted AFNI Collections. I was told by the representative that it was an account from XX/XX/XXXX that was from a address of XXXX XXXX XXXX XXXX, AL. I told them that I didn't owe XXXX XXXX XXXX anything and I can not even remember the account, but I do know XXXX XXXX XXXX was placed into Chapter XXXX Bankruptcy that was filed on XX/XX/XXXX and was not discharged until XX/XX/XXXX. I informed them that the home was put into Chapter XXXX and all debts for that address was placed into Chapter XXXX. The representative became aggressive and said they just received the account from XXXX XXXX XXXX XX/XX/XXXX. The representative took down my attorney name, XXXX XXXX who was my bankruptcy lawyer at the time, I gave them the information pertaining to my bankruptcy case in which XXXX  shouldve already had. There were violations that have now taken place by AFNI & XXXX XXXX XXXX. I was told by AFNI that they were returning the account back to XXXX XXXX XXXX on XX/XX/XXXX but as of today I received an alert from all 3 credit  bureaus that AFNI has reported this XXXX XXXX XXXX account as a collections of {$1100.00} to my credit report and I just disputed it on XX/XX/XXXX after I received my 1st letter which is not even past 30 days. I called AFNI and complained and the representative tried to refer me back to XXXX XXXX XXXX, but they were the ones who reported it after the fact I informed them I was protected under the Bankruptcy Law. I then asked for a supervisor whose name was XXXX who asked me to email XXXX and to tell my situation. She stated she would request an investigation as to why this was reported to my credit report and it had not even been 30 days. She too confirme that this was the 1st letter that they had sent me, and she wanted to know if their notes show I filed bankruptcy and they were suppose to investigate as of XX/XX/XXXX then why nothing was halted to prevent such measures and why report occurred before 30 days. This should never happen to anyone and AFNI collection tactics are aggressive and they are not following the 30 day law nor bankruptcy law when it comes to collection accounts.
Complaint sub-issue: Didn't receive enough information to verify debt

Account Name : HWARFIELD ( Hunter Warfield ) Account Number : XXXX Balance : {$6100.00} This letter is a formal complaint against Hunter Warfield, a collection agency located at XXXX XXXX XXXX XXXX XXXX FL XXXX. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I'm just over my head with this company. I can't take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies. 

A debt validation had been requested from them n XX/XX/2021, I have not received any sufficient proof that I requested and they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

DISCOVER CREDIT CARD HAS DECRESSED MY CREDIT LIMIT FROM {$2700.00} TO {$1300.00} DUE TO INACCURATE INFORMATIOM PLACED ON MY XXXX   XXXX XXXX. FROM FRAUDLENT CREDIT CARD INFORMATION REPOTED BY OTHER CREDITORS. WITHOUT INVESTIGATION OR DUE DILLGENCE OF THE CREDIT INFORMATION BEING REPORTED?.
Complaint sub-issue: Their investigation did not fix an error on your report

Good morning ; How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts all my student loans accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX   student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Complaint sub-issue: Account status incorrect

This is a follow up to my complaint of XX/XX/13 and my follow upon XXXX to # XXXX I have not received a promised refund of my money from and overpayment from this UPGRADE Loan and I continue to receive emails that my account is OVERDUE and AFFECTING MY CREDIT REPORT WHEN ACCOUNT HAS BEEN PAID OFF 6 MONTHS AGO.
Complaint sub-issue: Didn't receive enough information to verify debt

Good Morning, I have being battle this issue since XXXX and this XXXX. This issues still haven't being resolved. I reached out to Equifax multiple times to dissolve this issue. I sent this letter 30 days ago and NEVER received any information back. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LA XXXX XXXX XX/XX/1991 Date:XXXX I see that you have reported inaccurate information on my credit report, and that you keep verifying this account when its clearly inaccurate. Right now Im demanding validation of this account : Creditor : XXXX, XXXX Account : {$2500.00} Please provide me with the following : ( 1 ). Full accounting of this account ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( Fields v. Wilber Law Firm Coppola v Arrow Financial Services ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract If you cant provide me with sufficient proof listed above, then you must deleted the above account from all three credit report ASAP. Let me remind you of the law. According to FDCPA 809 ( b ) furnishing, verifying, updating is considered collection activity. If you verify this inaccurate from the credit bureaus without providing me with all items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney that specialize in suing debt collectors will be on standby waiting for my instructions. 

I need some information asap. This getting very stressful and unbelief to handle Thanks, XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2021 I wrote UNITED STATES XXXX XXXX OF ILLINOIS asking them do they report information from the courts to the credit bureaus. I received a letter from them on XX/XX/XXXX stating that The United States XXXX XXXXXXXX does NOT report any information to the credit bureaus! On XX/XX/XXXX I wrote a letter to XXXX asking the method they have used to verify such information on this bankruptcy reporting on my credit file. They proceed to send me a letter stating it was verified through a third party. Without giving me any knowledge or supporting documents on who they spoke with from the courthouse on my behalf. Then i proceed to reach out to the third party source which is XXXX XXXX asking them to produce such documents. They have yet to respond on this matter. I would like this Bankruptcy removed immediately from all three credit reports. 
CASE NUMBER # XXXX
Complaint sub-issue: Debt was paid

In summary, my loan was paid off to the previous lender, but the new lender still demands a monthly payment. The new lender threatened to report a negative record to my credit report. I have to make payment to a closed loan to avoid bad credit impact. 

DETAIL BELOW, The loan was transferred from The Money Source Inc to XXXX XXXX at sometime in XXXX or XX/XX/2021. The loan transfer effective date in The Money Source Inc 's statement is XX/XX/2021. The loan transfer effective date in XXXX XXXX 's statement is XX/XX/2021. This is very confusing, please see attachments for detail. 

The loan was paid off on XX/XX/2021. The fund was sent to The Money Source Inc. See attachment for transaction detail and full reconveyance letter from the money source for lien release. 

Currently, I have no loan outstanding with the money source or XXXX XXXX. I should pay nothing to XXXX XXXX. XXXX XXXX refused to admit the fact and asked me to make the payment. I contacted XXXX XXXX weekly or even twice a week since XX/XX/XXXX and they always told me to wait patiently until the loan is near 60 days after the transfer, which is XX/XX/XXXX. XXXX XXXX doesn't actively contact the money source and refuses to further help me on this matter. 

Now, it is near the 60 days past the transfer date based on XXXX XXXX 's record. The XXXX XXXX threatens to report past due and I have to pay the {$6300.00} to avoid negative credit impact. 

I also contacted The Money Source on XX/XX/XXXX, they promised to solve the case before XX/XX/XXXX, but an agent called me on XX/XX/XXXX and still couldn't tell me why the case is not solved.
Complaint sub-issue: Threatened or suggested your credit would be damaged

THIS COMPLAINT IS BASED ON THE INAPPROPRIATE DEBT COLLECTION PRACTICES BY XXXX XXXX XXXX IN REPORTING ME TO DEBT COLLECTORS, MOST RECENTLY ONE NAMED 'ERC ' FOR MODEMS THAT I HAVE SINCE RETURNED AND ON TIME : THIS DEBT COLLECTION ISSUE HAS TO DO WITH AN ACCOUNT I USED TO HAVE WITH XXXX XXXX BACK IN XX/XX/XXXX. WHILE I DO NOT OWE THEM, THIS IS IN REGARD TO THEIR RETURN OF THEIR MODEMS. THEY WERE ITEMS THAT I HAD RETURNED ON TIME, BUT THEY SEEM TO NOT HAVE PROPERLY SYSTEMS IN PLACE FOR RETURN AT THEIR WAREHOUSE. SO, THIS ERROR IS PURELY THEIR FAULT NOT MINE. 
I HAVE SINCE RETURNED THESE MODEMS USING THE RETURN SHIPPING LABEL GIVEN TO ME BY XXXX XXXX FOR THIS PURPOSE AND WHICH I HAVE ATTACHED TO THIS COMPLAINT. 
I HAVE RETURNED TO THEM THE 4 ITEMS THAT I HAVE EVER RECEIVED AND SENT BACK, THE SHIPPING LABEL WERE ON THE BLANK SIDE OF EACH FORM. 

FOR WHATEVER REASON I AM NOT SURE, BUT XXXX XXXX HAS BEEN SELLING MY INFORMATION TO COLLECTION COMPANIES ( COPIES ATTACHED ). FIRST IT WAS A COMPANY NAMED XXXX XXXX XXXX XXXX BACK IN XX/XX/XXXX. THIS COMPANY KEPT CALLING ME, SO I CALLED XXXX XXXX  TO DISCUSS THIS MATTER AND UPON THEIR INTERNAL INVESTIGATION THEY DETERMINED THAT I HAVE INDEED MODEMS AND THEY WERE RECEIVED IN THEIR WAREHOUSE. 
THUS, WITH THAT CONFIRMATION NUMBER I CALLED BACK TO XXXX XXXX XXXX XXXX AND TOLD THEM TO CALL XXXX XXXX TO CONFIRM THAT THE DEBT DOES NTO EXIST. THEY PROMPTLY STOPPED CALLING ME OR SENDING FURTHER NOTIFICATIONS. 
I THOUGHT THAT XXXX XXXX HAS FINALLY AMENDED THIS PROBLEM AND PROPERLY UPDATED THEIR RECORDS TO STOP THIS UNJUST HARASSMENTS. NOT THAT THEY APOLOGIZED OR ANYTHING BUT XXXX XXXX XXXX XXXX DID CONTACT THEM AND STOPPED CALLING ME. 
YOU CAN IMAGINE MY DISMAY WHEN LAST MONTH, I RECEIVED THIS NOTICE FROM A NEW COMPANY ERC THAT I OWED XXXX XXXX FOR THE SAME DEBT OF {$310.00} AND I MUST PAY THE AMOUNT BACK. I REALIZED THAT XXXX XXXX STAFF MEMBERS ARE PROBABLY STEALING MODEMS AND DEVICES AND DENYING RECEIPT OF THEM, BECAUSE THESE MODEMS ARE TOTALLY USELESS TO CUSTOMERS EXCEPT TO THEIR XXXX XXXX   ENGINEERS. 
IN ADDITION, I ALSO NOTICED A LOT OF DISCREPANCIES IN THEIR ACCOUNT INFORMATION AND HOW THEY TRIED TO RESTART AN OLD ACCOUNT AND CLAIM THAT ITS MINE AND I MUST PAY FOR IT. 
XXXX XXXX HAS DONE QUESTIONABLE THINGS THAT SEVERELY DAMAGED MY REPUTATION TO CREDIT COLLECTORS. 
IT HAS ALSO VIOLATED MY PRIVACY AND SOLD AROUND MY PERSONAL IDENTIFIABLE INFORMATION, IN VIOLATION OF THE LAW. 
THIS ISSUE NEEDS TO BE RESOLVED ASAP BECAUSE I DO NOT HAVE ANYTHING TO DO WITH THESE COMPANIES THAT ARE HARASSING ME.
Complaint sub-issue: Information belongs to someone else

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP as this very exhausting. Nobody wants to grant me a load because of this. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I sent an investigation request to Equifax on XX/XX/2018. Nearly two months have passed, and I have yet to receive a response. I even sent a follow-up letter on XX/XX/XXXX, but that has also gone unanswered. Equifax was supposed to respond within 30 days.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taking advantage of and being ignored of my disputes. In Section 611 ( a ), it plainly calls out that a failure to investigate theses items with in 30 days gives a clear and present reason to immediately remove those items from my credit report it has been over 60 days so the items in question should be deleted promptly. I demand the accounts in question be deleted immediately or I will file for a litigation due to the mental and emotions stress you have caused me. This matter has effect my mental and physical wellbeing and I will seek damages if this matter is not swiftly resolved. My information was also impacted by the Equifax data breach.
Complaint sub-issue: Confusing or misleading advertising

Earnest - the student loan refinancing company - is refusing to stop sending me mail offering their services. They are IGNORING my opt out notice which I have put in place three separate times. I have contacted the company to tell them this several times. They ignore my requests mostly and respond rudely when they choose to answer. They continue to harass me with mailers at my home address. 

XXXX CEO : XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX
Complaint sub-issue: Billing dispute for services

Unfair Practices and Malicious Treatment to through XXXX  and Vance and Huffman , LLC. 


On or about XX/XX/XXXX, a voice message was left on my voice mail for me to call Vance and Huffman , LLC. I returned the call and a lady advised me that I had a debt of {$250.00} and they were the litigation firm to collect the debt. I told her that I was unfamiliar with their name and she gave to company names I was not familiar with. 

I asked for a copy to look over the debt to be sent to my email and advised her I needed to look into the matter. I did not believe I had any debt or never heard of the names she shared with me that I supposedly had the debt. I thought this was a fraudulent attempt to collect money from me. I asked the lady to send the debt information to my email and I waited for the information to come which I never received from their offices. Additionally, I mentioned if it was my debt that I would take care of it. 

In XXXX, I paid off debt and my credit score increased into a good position (XX/XX/XXXX ). Importantly, for years, except one tax issue with my car payment, which I tried to dispute and correct, I maintained an exceptional history payment status for years. On XX/XX/XXXX, my credit score had just increased 10 more points when this ordeal took place and continues to affect my score as of XX/XX/XXXXmy score dropped again by 1 point with no explanation. 

On XX/XX/XXXX, not even a week later from speaking to the woman and without receiving the email request to verify the debt, Vance and Huffman flagged my credit report as collections. On XX/XX/XXXX, I received a credit monitoring alert that displayed my credit scored decreased by 29 points. Immediately, I called Vance and Huffman after being notified by XXXX  and XXXX XXXX. 

After speaking with XXXX at XXXX XXXX, shared they had the incorrect address and an old XXXX XXXX XXXX account. I was advised that this was supposedly from XXXX and settled per XXXX. XXXX advised me that she would call back and never did call me. In XX/XX/XXXX, I reached out to XXXX XXXX XXXX because I had an been paying them on a small loan and fell behind. I paid it off last year and it was closed last year XX/XX/2020. So, I don't understand how Vance and Huffman , LLC. can say that this account was closed and it could not be closed. 

I look forward to a response to file regarding the unfair dispute, placing debt on my credit report and the large decreases on my credit report. 

As you can see by the attachments I provided which reveal my clearing up debt in XXXX and the debt decrease which occurred twice in XX/XX/XXXX by 49 points. This is illegal and unfair. I have unrest about this matter and can still pay off what is rightfully due if I receive and understand the alleged debt. I never denied any debt, just a request to see and recover what has been maliciously done to my credit and livelihood.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX Inquiry : XXXX. XXXX, XXXX 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 handwritten instructions.
Complaint sub-issue: Information belongs to someone else

The company XXXX XXXX has extended/opened a line of credit to someone fraudulently opened an account under my social security. This company XXXX XXXX has extended credit to someone listed as me XXXX XXXX with the address XXXX XXXX XXXX XXXX XXXX, PA XXXX. I have never lived or have ever been associated with that address. I constantly send disputes directly with this company and the 3 credit reporting agencies. Each time I dispute this account, the company XXXX XXXX never sends me the documents I requested which are PROOF OF CONTRACT BEARING MY SIGNATURE, AND ANY DOCUMENTS SUBSTANTIATING THE ALLEGED ACCOUNT. This account was open under the address XXXX XXXX XXXX XXXX XXXX, PA XXXX I have never lived there. Each time I dispute this account with the XXXX, Equifax, and XXXX they tell me in writing that they've contacted the company " XXXX XXXX '' and the account is verified and accurate because XXXX XXXX says it is '' All 3 companies are violating of 15 U.S. Code 1681b. Altogether these 3 companies and XXXX XXXX has ignored my request to provide me with the proper documents that they supposedly have stored in their files that were used to Verify the accounts. I am certain that they have NOT verified, and CAN NOT verify this account, and according to Section 611 ( 5 ) ( A ) of the FCRA- You are required to promptly delete all information which can not be verified.
Complaint sub-issue: Changes in terms mid-deal or after closing

I Bought a car from Carvana and it was the most horrible Car buying experience. Where do I start first of all on day 8 I find out that the motor was blown. Ok I understand So they tell me they are going to put me in another car. That was a complete Lie, I called back and they phone rep tells I am stuck with the car, She advises me that XXXX the warranty company will handle it from here on out and not to call carvana or her any more. So I ask to speak to a supervisor and it seems like they are playing games. Here is what drives me crazy the warranty company says they will put in a used engine from another car that has higher miles then the car that I bought. ( where do they do that at I said ) They will switch my engine out with an engine that has higher miles how convenient OMG. There is more to the story So I called and recorded the call with some agent named XXXX which I posted on my XXXX XXXX what a joke she says she makes the decisions for caranna. Wow Such a racket if you think the old-school way of buying cars was flawed. Wait to you try carvana. I have bought many cars in my life and worked for dealers. I guess they pull the wool over your eyes with a great big vending machine it's no different that the inflatable dancer Just comes at a higher price. Before you purchase or do any business look at what's going on in the media XXXX they are banned from doing business in Illinois and other states. I just wanted to buy a car for my daughter. The problem with carvana is they buy junk cars and got no place to service them they just send out to public and pass the buck to their sister company that makes the money off the warranty repairs XXXX a racket. Carvana is owned XXXX XXXX XXXX, The Father owns XXXX XXXX The finance Company which owns XXXX XXXX. Here is the kicker They own XXXX XXXX WOW What a racket
Complaint sub-issue: Information is missing that should be on the report

I had the Citi card accounts for the past 4+ years. After hurricane Irma I had notified Citi Card regarding my short delayed of payments +obligations because of hurricane Irma and my financial situation has been deteriorating in results of that. When I paid off the balanced in full of all my cards with the Citi, and after that they terminated and eliminated all my credit limit with them. The bottom line, they have been misleading, defaulting me regarding credit and all communications with them.
Complaint sub-issue: Other problem getting your report or credit score

Since XXXX of 2021 my credit file has not been updated with new creditor information. I have reached out to my credit card companies as well as my bank for my car loan. Each have said that they are reporting fresh information each month to the XXXX major credit bureaus. XXXX and XXXX have updated information except for Equifax. I have reached out to this company more than once to try and get this resolved, but nothing has happened. I have attached screenshots of my credit file with Equifax so you can see what I am seeing. It has been MONTHS since anything has changed to my credit file. Please help with this situation. 

Thank you.
Complaint sub-issue: Deposits and withdrawals

I went to bank of the west location on XXXX XXXX, AZ. For {$1200.00} - on XX/XX/28. XXXX. 
Atm took my money. Processing message on monitor for like XXXX min. Then gave me a receipt saying transaction unsuccessful- Yet kept my money. 
I emailed, called bank, waited for XXXX hours. Lady named XXXX answered. She said I had to speak with claims department then disconnected call. I need this money to pay my rent.