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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/2022 Jefferson capital system XXXX XXXX XXXX, XXXX XXXX, mn, XXXX Dear Jefferson capital system I am responding to your contact about collecting a debt. You contacted me by [ XXXX, XXXX XXXX XXXX XXXX fl XXXX. 
and identified the debt as XXXX. I do not have any responsibility for the debt youre trying to collect. 
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. You have no proof that this debt is mine or that I signed for any service or phone. 

Thank you for your cooperation. Sincerely, XXXX XXXX
Complaint sub-issue: Debt was paid

On XX/XX/2019 I reached out to XXXX  regarding payment owed on account. I was sent information via email that the collection company Afni is now overseeing the account.

I connected with Afni the same day and paid the account off in full. I was sent a notice of payment letter as my own personal proof shortly after. 

I disputed the account three separate time within the last 30 days along with proof of payment and XXXX continues to deny that the notice is indeed an accurate proof of payment.

I connected with both parties XXXX and Afni whom have confirmed that the debt is paid off and shows in both systems. Im not quite sure where the miss is but I would greatly appreciate someone of proper authority to handle and rectify this situation once and for all. 

XXXX has expressed that they only take uploaded documents to share with the collection company and do not ultimately make the decision of updating the account. 

Ive been patient with all three companies and spoke with respect to every representative involved. I would like a solution moving forward rather than all companies pointing the finger at one another. 

Thank you.
Complaint sub-issue: Keep getting calls about your loan

I sent Citibank a Cease and Desist in XXXX or XXXX. They have violated it twice this month, including when the Trump Administration had the loans on pause for collection. They have already been sent a Cease and Desist in the past and are harassing me again. What do I do?
Complaint sub-issue: Account information incorrect

Facts : I XXXX XXXX am a consumer as defined by 15 USC 1692a ( 3 ). 

" XXXX  aka XXXX '' is a creditor as defined by 15 USC 1692a ( 4 ). 

" XXXX aka XXXX '' alleges that I XXXX XXXX owe them a debt as defined by 15 USC 1692a ( 5 ). 

" XXXX aka XXXX '' is a corporation whose residence is in the state of IOWA. 

XXXX XXXX is a natural person whose residence is in the state of CONNECTICUT. 

We are still within the statute of limitations for this case as the company in question is still violating my rights as a consumer willfully after being asked to stop since XX/XX/XXXX and XX/XX/XXXX. 

" XXXX aka XXXX '' has failed to supply any record of payment by me validating these claims of late payments from XXXX. 

As you can see my account was closed because of SUCCESSFUL ON TIME PAYMENTS for the duration of the loan and relationship with XXXX aka XXXX. 



ALLEGATIONS/COMPLAINT : - '' XXXX aka XXXX '' in an attempt to collect on this alleged debt has violated 15 USC 1692 ( b ) by communicating with third parties about this alleged debt without expressed consent of myself the consumer. They have shared this debt with numerous credit data furnishers and sold this alleged debt to a data furnisher without verifying its validity after I the consumer notified them in writing that this alleged debt was not mine and I was taking steps to investigate it personally. 

- '' XXXX  aka XXXX '' in an attempt to collect on this debt has sent letters threatening to ruin my reputation by sharing my private information violating 15 USC 1692d ( 1 ). 

- " XXXX aka XXXX '' in concert with the consumer data furnishers both have caused my phone to ring repeatedly at work and on my personal phone even after I asked them to stop violating 15 USC 1692d ( 5 ) and 15 USC 1692e ( 8 ) by threatening to communicate to other persons and credit data furnishers information which I believe to be false.
Complaint sub-issue: Account status incorrect

I have provided to Equifax, XXXX and XXXX, proof that I have never been late on my XXXX   accounts. I have requested that they remove the lates. I have uploaded the proof they need dating back past when they said I was late. XXXX told me they reported it in error but still nothing has been done. I am extremely frustrated by the lack of help all three credit bureaus have been.
Complaint sub-issue: Old information reappears or never goes away

Equifax continues to report a closed account issued by XXXX/XXXX in which the last " late payment '' was received over 7 years ago. Not only was the account fraudulently open without my knowledge or authorization and therefore must be removed, the delinquency legally can not be included in my credit history on my credit report due to its age and must be removed. 

Equifax previously removed the following accounts from my credit report due to fraud, and has not re-listed the accounts and the negative reporting history, including XXXX/XXXX ( opened XX/XX/XXXX balance {$9100.00} ) ; XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$490.00} ) ; XXXX XXXX XXXX ( opened XX/XX/XXXX balance {$550.00} ) ; XXXX/XXXX  XXXX ( opened XX/XX/XXXX balance {$1600.00} ) ; XXXX/XXXX ( opened XX/XX/XXXX ) ; and XXXX/XXXX ( opened XX/XX/XXXX balance {$4900.00} ) I have no access to the account information in order to dispute with the creditor because they were opened fraudulently without my knowledge or consent. Despite this finding, Equifax has since relisted the accounts as belonging to be with has negatively affected my credit and finances.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : Bankruptcy XXXX  XXXX Discharged XXXX Date Filed XX/XX/2013 XXXX
Complaint sub-issue: Account information incorrect

I sent a letter regarding inaccurate and unknown things in my credit report. To this day over about 2 months later, I have yet to receive a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives me a reason to immediately remove these items from my credit report. It's been about 2 months now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress that was caused to me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person. I AM NOT USING A CREDIT REPAIR COMPANY, I AM REPORTING THIS VIOLATION ON MY OWN BEHALF. I'VE ATTACHED MY ID, AND A UTILITY BILL FOR FURTHER VERIFICATION.
Complaint sub-issue: Debt was result of identity theft

Apex manage services contacted my employer and my employer said I have a garnishment that I have no idea what for. Over XXXX dollars
Complaint sub-issue: Problem with customer service

I have been trying to get loan forgiveness on my student loans under PSLF/TEPSLF. I have been working on this since last XXXX, having submitted paperwork at least 3 times. The summary shows that I've made more than 120 payments on each of my loans, but I was not in a qualifying plan for PSLF. That placed me in the TEPSLF program. The latest communication prior to this week ( XX/XX/2021 ) asked for my tax info, in order to meet the requirements for making payments at least as high as the income-based category. I had always made payments at least as my billing statements indicated prior to this communication, but have increased it to $ XXXX/month, based on this. With the COVID loan suspension, plus my resumed payments, I have over 12 months of payments, based on this newly discovered criteria. 

I spoked to someone on t he phone last week ( XXXX  ), who said that everything looked good, and he would elevate my package, but asked me to submit another application ( which I did ). Now it says that there is an arror in my letter that states my employment end date is before my start date. The application does not show an end date at all, and the stiff working there box is checked. Clearly THEY DID NOT EVEN READ THE APPLICATION! 

I am really about at my wit 's end over this. I am expected to be perfect in my job, but I can't even expect average service in my dealings this the loan servicer.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed the 3 students loans on my credit report with the 3 credit bureaus because they have inaccurate/incomplete payment history on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and other dates. All 3 bureaus sent back results saying verified as accurate. I uploaded doctuments showing that there are months that have unknown/no data for the paymemt history. I got the same results back after the re-investigation saying verifiedas accurate. Ive asked them to send me documents on how they where verified or delete them and they have done neither.
Complaint sub-issue: Problem with customer service

Attention : XXXX XXXX Citibank and the merchant has made false allegations about this disputed transaction. In the letter dated XX/XX/2020, Citibank claims that the services were provided by the merchant - and that the customer arrived after the service had ended for the day. 

These are false statements and hence the transaction remains disputed. Please ask the merchant to provide evidence that the customer " arrived after the service had ended for the day. '' The customer arrived within the promised time and the merchant denied the customer the prepaid service. 

If the merchant is unable to provide any evidence that supports their claim that the customer arrived late, then, please re-open this dispute and rescind the funds from the merchant 's bank. 

Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

I have a chapter XXXX BK Discharge on all 3 Credit Reports and i called to asked them how did they verify the Bankruptcy. I send Certified letter on XX/XX/2018 to all XXXX XXXX XXXX and LexisNexis as well. They all are telling me that they sent a 3rd party person down to the court to verify the Bankruptcy in person with my full social security number. In which that's not true because i have a letter from the Clerk of the United States Bankruptcy Court stating that they don't provide that information to the credit bureaus or any third party report agencies. And i received that letter on XX/XX/2018 from the Bankruptcy Court. So the credit bureaus and LexisNexis verification method on how they verified the Bankruptcy is invalid.
Complaint sub-issue: Didn't receive notice of right to dispute

I have reached out to the company Merchants Association regarding a medical bill that is being reported to my credit report. The company first off started reporting on XXXX/XXXX/XXXX, which at the time they did not have a valid license to collect in the state of Florida. I called the original creditor and they stated account could not be paid with them because they no longer owned the account. I contacted Merchants and explained the situation of the bill they are reporting that I have yet to receive anything and they are reporting without a valid licenses which expired XXXX/XXXX/XXXX. I requested to have the information deleted and removed with any negative comments on my credit report. I was told that I will receive a return call in three business days. It 's now being two weeks with no return calls.
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

I routinely my credit report via XXXX. During a check on XX/XX/2019, I noted a change on my Equifax report indicating a hard credit inquiry. This inquiry was named as XXXX XXXX XXXX XXXX , XXXX and was also dated XX/XX/2019. Only my Equifax report seemed to show this inquiry - no other credit reporting agencies show this inquiry. I did not authorize XXXX XXXX XXXX to run a credit check. I am not currently an XXXX XXXX XXXX customer, nor have I ever been. I do not intend to be an XXXX XXXX XXXX customer and did not seek any inquiry on their products or services and did not provide my personal information to facilitate this. This credit inquiry was obviously in error. 
My first course of action was to file a dispute with Equifax. I filed this dispute online ( Complaint No XXXX / Confirmation number XXXX ). I received notification that the dispute was completed on XX/XX/2019. As I was unable to access this report online, I called customer service on XX/XX/2019. I was told Equifax would not remove the hard inquiry as it was a " factual report, '' and that if I believed the inquiry was in error or fraudulent, I should contact the company directly. 
As a result, I contacted XXXX XXXX XXXX on XX/XX/2019. I had extreme difficulty finding a representative that even understood my problem and spoke with at least four different individuals at three different numbers and received no help. Through some diligent online searching, I came across an online portal for filing billing and credit disputes with XXXX, an XXXX XXXX XXXX company. I completed this online form and provided my personal information as requested on XX/XX/2019. No confirmation was provided of the submission. 
As of this date, XX/XX/2019, I have not been contacted by XXXX XXXX XXXX to address this complaint and this hard credit inquiry still shows on my Equifax credit report. It is deeply troubling that not only can this sort of inquiry erroneously be applied to an individual 's credit report, but that there is no recourse or responsibility taken by the companies involved. I'm very dissatisfied with my experience with both Equifax and XXXX XXXX XXXX in both the error and the lack of correction. I'm unsure whether there is any accountability for them and wish this issue to be resolved.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX XXXX updated Date : XX/XX/2022 This account should be removed completely from my Credit Report...
Complaint sub-issue: Can't close your account

In XX/XX/XXXX, we signed the paperwork with XXXX XXXX, XXXX Design Consultant @ XXXX XXXX, for window replacement/installation project in our summer house in XXXX, NY. I opened a Home Depot credit card as part of the deal and began repaying the deposit for this project ( XX/XX/XXXX - {$500.00} ; XXXX - {$200.00} ; XX/XX/XXXX - {$200.00} ; {$900.00} all together ). In XXXX, we got our windows measured by another XXXX XXXX employee. In XXXX, we scheduled the date for installation - XX/XX/XXXX, Saturday. We were very specific about a Saturday appointment as we live in XXXX and can only come every other Saturday. For the past XXXX weeks ( before XX/XX/XXXX ), we would get reminders a few times a week- via text messages, e-mails, and voice mails- about the upcoming installation date asking us to be in the house between XXXX and XXXX a.m. and reminding us about the importance of removing everything XXXX feet away from the windows. As law abiding and loyal customers, we came Friday night ( XX/XX/XXXX ) to follow the instructions. At XXXX (!!! ) a.m., we got a phone call from XXXX XXXX ( XXXX ) who told us that they had to cancel an appointment since they didn't have installation crew... He failed to answer when I asked him if he had found out about that issue at XXXX a.m. on Saturday. We were upset to the point my husband had to take his XXXX XXXX XXXX medication and pain relief pills. It was so unacceptable and unprofessional on the XXXX XXXX! 
We explained to XXXX XXXX that we are not available in XXXX- the whole point of that project was to get the windows replaced before winter. I tried to reach someone at Customer Service to get help. It was not easy as it was Saturday. I spoke to XXXX ( XXXX XXXX at XXXX, ext. XXXX ) who assured that XXXX XXXX ( XXXX XXXX ; ext. XXXX ) would give me a call the first thing on Monday, XX/XX/XXXX. Today is Monday XX/XX/XXXX ; no one has contacted me. I had to call these people myself : XXXX did not pick the phone and did not return my message ; XXXX again promised someone would contact me. 
Now, I am trying to close the XXXX XXXX card and get my money back ( {$900.00} ). Credit Card XXXX explained it is not up to them. XXXX XXXX Customer Service explained it is not up to them. Who is it up to??? We are so disappointed with the way they speak and treat us when we try to explain the issue. 
Please assist us to cancel the deal, close the credit card, and get the money back. Thank you.
Complaint sub-issue: Add-on products and services

I would like to connect my PNC debit account to XXXX and it no longer allows for the interoperability for consumers to do so, likely as a move for PNC to reduce competition. I would like to link my account to XXXX. Please voice this concern of PNC customers to the company. Thank you.
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/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

NOTICED ACCOUNTS DISPLAYING ON MY CONSUMER REPORT THAT ARE A VIOLATION TO MY RIGHTS AS A FEDERALLY PROTECTED CONSUMER. I DEMAND THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Complaint sub-issue: Threatened to sue you for very old debt

I keep getting phone calls from someone saying his name is XXXX XXXX using a very abusive and brash tone saying I have to call him back so he can notified the creditor of my " willing participation '' before a certain time or legal papers will be filed. He claims mail has been sent and returned to him as undelivered, however I have had the same address for almost 5 years and he was able to find a newer cell phone number for me. He notes the phone conversation/phone call has been noted and recorded. Leaves a phone number of XXXX with no other information. I do not know whom this person is, where he is calling from, who he claims he represents, I don't know if it is a legitimate debt, old debt pass the time of collections, if it is a scam.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1.  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

Someone's name is also on my credit report and social security. they have hard inquiries for auto and home loans also credit card. and I would like these removed and corrected SCREENING REPORTS, I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX I haven't ever dealt with theses companies never given authorization for them to inquire about my credit
Complaint sub-issue: Reporting company used your report improperly

according to my consumer report I received dated XX/XX/XXXX and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted XXXX equifax or XXXX such authority. 
Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME : 1. XXXX  XXXX, XX/XX/XXXX of listed late payment 2. XXXX XXXX XXXX XXXXXXXX of XX/XX/XXXX listed late payment 3. XXXX XXXX XXXX XX/XX/XXXX of listed late payment Any information listed on my consumer report must be verified or immediately removed. I am due for a thorough and proper investigation. Please send me any information regarding my request and an updated consumer report showing that the above mentioned demands have been met. As a gentle reminder, this is my first and final attempt at peaceful civil mediation. 
Kind Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved.