Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

I XXXX XXXX the consumer, original creditor, natural person. Pursuant to Federal law 15 USC 1692 American Education Services is a 3rd party debt collector and is in violation of 57 Federally protected consumer law violations. American Education Services has failed to obtain and send verification of this alleged debt by not mailing me a contract. Instead of sending me a contract of this alleged debt, American Education Services sent statements which alleges we have a business agreement and we do not. Under the FDCPA it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. 
Due to the fore going, you have caused me additional stress, frustration, credit damage, and costs. Furthermore, I XXXX XXXX the consumer, original creditor, natural person am not delinquent because there is no law that defines delinquency. This was initiated through the use of the open end credit using my social security card pursuant to 15 USC 1602 ( f ). 



You have also waived your opportunity to amicably resolve this issue without the need to litigate. This was your last opportunity to mitiage this matter and as a result I intend to forward this matter to an attorney or initiate litigation against you under the FDCPA.
Complaint sub-issue: Public record information inaccurate

There is another person by the name of XXXX XXXX same birthday XX/XX/1990 and every time an employer runs my background check her profile and criminal record shows up like its mine she live in Florida in XXXX XXXX and I currently reside in XXXX county I lived in Florida but never in XXXX and in XXXX XXXX and I once was arrested for a fugitive warrant for this individual and it was dismissed because they saw it was the wrong person.
Complaint sub-issue: Investigation took more than 30 days

I filed a dispute in regards to the incorrect items on my credit report, it has been well over thirty ( 30 ) days and I have yet to recieve any investigation results.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I received a collection account on my credit report on XX/XX/XXXX. On XX/XX/XXXX I called the collection agency IC System Inc to verify what this was. Initially I spoke with XXXX employee ID # XXXX who stated she could not find me in the system and when I gave her the account number as stated on my credit report she stated there was 10 people with that same account number. I asked for a supervisor which XXXX employee ID # XXXX tried to help verify the debt which is stated to be from XXXX which I have a current 5yr account with and owe them nothing. When I asked XXXX if they could send me the documention to verify this debt was mine with signatures and or proof that this belonged to me she stated " they do not have proper documentation to verify this debt belongs to me ''. 

Then I got transferred to another supervisor XXXX employee ID XXXX who stated that this is a debt directly from XXXX and they do not have the documentation to verify this debt and would have to request it from XXXX. I told her she can't report this debt and it needed to be removed. 

Per XXXX employee # XXXX this debt was opened in XX/XX/XXXX and sent to collections in XXXX of XXXX. 

IC Systems just recently bought this debt because it used to read as XXXX XXXX XXXX  on my report which I sent them a letter to validate this debt in XXXX and it was removed because XXXX XXXX XXXX did not validate this debt in XXXX! Now IC Systems is reporting it 3 years later without proper documentation to validate it.
Complaint sub-issue: Threatened to sue you for very old debt

A company name XXXX XXXX XXXX XXXX, claiming to be working on the behalf of Jacobs Marsh, LLC has been calling and leaving threatening messages to me and to my wife about credit card debt that I cannot verify is actually owned by this firm. The original debt was owned by XXXX but I have no idea who this firm is and if they are legitimately authorized to collect this debt. I asked them to provide a validation of debt and they refused.
Complaint sub-issue: Account status incorrect

A fraudulent collections account appeared on my credit report about two months ago. After a month, I had it successfully removed. When first encumbering my account, this fraudulent and in-no-way representative collections account droppped my credit score over 100 points by itself. When it was removed a month later, one would expect that a fraudulent account that had literal no relevance to my consumer activities or reality in general because it never existed and should be treated as such, would be followed up after its removal by an equivalent value by which it decreased your score returning to it. This is simple logic, if a certain factor is introduced that deducts 50 points away from someones measure of performance in some hypothetical area, and that factor never belonged there to begin with, is found as fraudulent and removed, any reasonable person and any acceptable interpretation of the Fair Credit Reporting Act, particularly if brought before a judge ( I am a XXXX and plan to do this if nobody else takes action about the absurdity of this ) would say that fair representation by credit reporting would mean placing the injured party into the position they would have been in and had enjoyed prior to the legal wrong, in this case a fraudulent collections account. There is nothing that can be said as to any logical merit or justifying considerations that would remotely help this clear aberration in proper methodological practice for credit reporting pass muster under any review as to whether or not such a formula is consistent with the objectives and purposes set forth in the Fair Credit Reporting Act, not to mention whether it unjustly deprives an Individual of repetitional benefits previously enjoyed before hte wrongful portrayal of credit, or whether it amounts to defamation or slander to purposely know that the information being reported isnt accurate nor based on a methodology supported by common sense let alone logic or scholarly research and whatever else.
Complaint sub-issue: Trouble using the card to spend money in a store or online

I received my US Bank ReliaCard issued for XXXX  through the Texas Workforce Commission on XX/XX/XXXX, I called the 800 # provided around XXXX XXXX   CST, said it was activated and gave me the available balance. At XXXX on the same day I went to use the card for groceries and it said the card was Not Authorized. I called the customer service 800 # to tell them about the issue and I was told it was locked because of the attempts to purchase the groceries and that I ha to wait 24 hours to call or go online to activate the card. 

On XX/XX/XXXX, I called the 800 # customer service only to tell them that I remembered when I called the day before it said the 3 digit # on the back of the card was incorrect, but because I called it locked me out another 24 hours. 

Therefore, I have money from XXXX   because I XXXX  my job and can not get access to it and I was told by the representative that it was absolutely nothing anyone could do about it to fix the situation.
Complaint sub-issue: Received bad information about my loan

My XXXX loans are serviced by Mohela. When Mohela became the new servicing company in XXXX XXXX I immediately called customer service and asked what actions I needed to take to ensure that I could make payments toward the principal of the loans. They told me to write a letter and request that, " Pay Ahead Status '' be removed from my account. On XXXX XXXX, XXXX I sent them a letter, and on XXXX XXXX Mohela acknowledged receipt of the letter. On XXXX XXXX, XXXX I noticed that payments I intended to go towards principal were going towards interest. I called and the customer service representative told me that the cancellation of 'pay ahead status ' had only applied to one month. He informed me that I needed to write a new letter and request that pay ahead status be, " permanently '' cancelled. When I called in XXXX, the customer service representative said nothing about about needing to use the word, 'permanently ''. 
I have loans from my XXXX degree at XXXX College in XXXX, Massachusetts, and from my XXXX XXXX at University of Massachusetts in XXXX, Massachusetts.
Complaint sub-issue: Don't agree with fees charged

I 've been paying my Government Loan for 11 years. 
My original loan amount was around {$24000.00} and I now owe {$36000.00}, which I 've been paying as often as I can for 11 years. Some of the time I had to defer my payments due to losing a job or between contracts. I do n't feel that this is fair for me to have to pay on this loan for as many years as I have, around {$250.00} per month. 

Thanks, XXXX XXXX
Complaint sub-issue: Problem using a debit or ATM card

XX/XX/2019 received text and e-mail messages that Debit cards had been ordered on my accounts with US Bank. When I called US Bank I discovered that a male person ( I am female ) posed as me and called the 24 hour banking line to order these cards. He knew personal information such as my name, e-mail address, and mailing address, as well as my debit card number and pin. I had the card in my possession at the time. On XX/XX/2019 this person used my debit card number on the USPS mailing address change website to change my address in Washington to an address in Florida ( I do have the data for that address as well ). My bank account was charged the {$1.00} fee, which they have refunded. I spoke with USPS, but was not able to stop my mail from being forwarded to Florida. They can not confirm what or if any mail with my name was actually delivered. They are holding my mail and are supposed to be sending it back to my address in WA. I cancelled my debit card in person at the bank and ordered a new one,  which I did receive. The bank kept my old card. This person also attempted to change the e-mail and mailing address on my bank account, he was not successful.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed a XXXX account that is showing on my credit report. after disputing with the collections agency they informed me that they have ceased collection and has notified the credit bureau. well the credit bureau is still reporting this unverified/ unproven negative account on my credit report.
Complaint sub-issue: Account information incorrect

Recently I checked my credit report due to interest in a new vehicle and seen a couple of accounts with errors. Mainly it seems as though these credit collectors are reporting that the account was just opened a month ago or few months ago when in fact these accounts are over 7 years old and should of been removed from my credit report. I requested that they update the info with accurate dates and they refused. These accounts are so old I don't even have a clue of when they were opened. I've tried disputing with credit bureaus but nothing happens. If in fact I did open any of these accounts please have them show you proof. An order form, an jnstall date, or how about an address? I have been living in hotels and traveling state to state for close to 3 years now. So when did I start cable? Or electric? Thank you consumer finance for your assistance in this matter and the work that you do.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

To : CFPB, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXk State Bar ; About XXXX XXXX XXXX XXXX  months ago, I received a phone call asking me if I was XXXX XXXX. They hung up. Then a large collection account was added to my credit profile. I filed a dispute via all three major credit reporting agencies. I requested proof and evidence. The only proof and evidence that was provided to me was a computer-generated signature. A couple of weeks ago, I made another attempt of getting this removed from my credit reports by emailing this law firm and XXXX themselves and requested some holiday compassion to forgive this debt due to permanent XXXX I am a 100 % XXXX XXXX XXXX XXXX  Law firm Vance and Huffman llc has NOT responded. Today, XXXX did reply via email. They stated they could not help because the debt now belongs to XXXX XXXX XXXX. This is the first time I have heard XXXX XXXX XXXX. Vance and Huffman LLC has NEVER mentioned they are representing XXXX XXXX XXXX or any other collection agency. After speaking with XXXX on the phone, they informed me this is a XXXX ( XXXX ) year old debt that I DENY. On the credit report notes, Vance and Huffman llc states this is a XXXX ( XXXX ) month old debt. That is incorrect. Vance and Huffman llc has intentionally behaved unethical, irresponsible and committed FRAUD by intentionally providing false information to the credit reporting agencies regarding the amount and the original date of this alleged collection. FDCPA violations.
Complaint sub-issue: Card opened as result of identity theft or fraud

Situation : I commissioned into the XXXX in XXXX of 2017 and in that same month as I have now realized, a family member unknowingly utilized my personal details to create a credit card and leave a balance of {$2400.00}. In that time frame payments were being made on it but then have been stopped in recent months. I have started monitoring my credit history and report for the last 4-5 months and discovered that this credit card had been closed with a balance due to inactivity. I had remembered that this family member briefly mentioned this account after applying for it but did not know what the intentions for the card would be. I did not know whether the account was officially approved nor was there any information provided to me as to whether or not the he/she actually did apply. In the last 2 months, I have asked the bank to conduct an investigation on the fraudulent activity as it has had a negative impact on my credit history. They conducted an internal investigation which they have said can be rebutted but state the following : Since payments on the account were made and I was also an account holder on this joint account, they have concluded that it was not opened fraudulently? However, when I spoke to a representative of the bank, they stated that I would have to provide information to them prior to the investigation being closed out. BLUF, if possible, can the card be removed from my report if I unknowingly had thecard on my report? Lastly, they are requesting payment of the {$2400.00}, of which I spent {$0.00}. Additionally, I have tried to report it to the local police where my family is staying and where the incident occured but have said that they can not conduct an investigation because they can not validate my identity as I am overseas serving the military.
Complaint sub-issue: Reporting company used your report improperly

Sent letters in XXXX, XXXX nd called in XXXX and called all three agencies last evening XX/XX/XXXX about an account from XXXX XXXX. XXXX XXXX has been of no help and I have excellent credit but the inaccurate reporting of this account is detrimental to me. I have asked them to fix and investigate and they either ignored or moved the date of late payment which didn't happen to date of contact. 

XXXX says XX/XX/XXXX opened closed paid as agreed but updated last on XX/XX/XXXX Equifax says XX/XX/XXXX opened closed paid as agreed but updated last XX/XX/XXXX XXXX says XX/XX/XXXX opened closed and paid as agreed but last updated XX/XX/XXXX They are ignoring my certified letters to fix this error and most recent inquiry should be as of XXXX. This is only info I have on this account XXXX XXXX XXXX. They are not investigating my complaints and not updating me per US Code 1681. This is hurting my score even though still high and no one is helping or responding
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was involved in a data breach with XXXX, and I see some inquiries on my report that I don't recognize.
Complaint sub-issue: Their investigation did not fix an error on your report

On   XXXX   XXXX   XXXX     I submitted a dispute to   XXXX    regarding  XXXX  financial on my credit report. I asked for all the information regarding the account be verified. On   XXXX   XXXX   XXXX   the investigation was completed and it came back verified. It is my belief that  XXXX  did not complete a investigation because EVERYTHING on the account is reporting inaccurately. The high balance is incorrect, the balance is incorrect, and the date of last payment is incorrect. I am fully aware of my rights and if the credit bureaus fail to investigate and update with accurate information according to the FCRA then this account must be removed.  XXXX  is supplying the credit bureaus with outdated, inaccurate information and the accounts should be deleted from my credit reports. You will find a copy of my   XXXX   dispute regarding this account. I have also supplied you with the latest information reporting from Equifax so that you  may  compare the inaccuracies.
Complaint sub-issue: Information belongs to someone else

I called your department after I purchased a credit report with XXXX XXXX  on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information on my personal profile, I noticed that these were Charge off accounts on my credit report. I was a casualty of savage wrongdoing. I'm not liable for these accounts, no police report or fraud affidavit is possible and no information or document is in my possession. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act. A copy of my Bank Statement, Drivers License, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. The following inaccurate names : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXXPlease verify the following incorrect names. I think there may be an error, please remove as per FCRA 605B, also inaccurate addresses : 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 XXXXThis isn't my home address. Per Fair Credit Reporting Act Section 605B you are required to remove the undistinguished address on my credit report. This account included in the dispute are : DISCOVERBANK XXXX
Complaint sub-issue: Debt is not yours

I XXXX XXXX have disputed this inaccurate debt several times which clearly isnt mine. I have attached the original contract from the creditor in which is not legally signed by me. I have never authorized an account on my behalf via Vance and Huffman nor XXXX XXXX XXXX. This is not a Joint account its clearly signed and Dated by the Authorized person XXXX XXXX. Please remove this or please let me why this is attached to my report Thanks
Complaint sub-issue: Their investigation did not fix an error on your report

This is my second complaint to CFPB in regards to XXXX  and Equifax Not removing debts on my credit report that are not mine and can not be validated to be so. I am fully aware of the credit bureaus automated dispute computer system where they do not actually validate the debt with a live person rather just update the information if it falls into the algorithms verified pre set parameters. So once again I am seeking CFPB to protect me as a consumer from this type of predatory behavior from XXXX  and Equifax. 

I once again demand for the accounts from said company below be removed since XXXX  and Equifax can not provide adequate proof such as original application for the debt. Section 611 ( a ) states that any failure to investigate the incorrect items within 30 days the items must be removed its been will over 30 days and multiple letter sent to the two bureaus. Since neither XXXX  or Equifax can provide real proof document of ownership of debt they must be deleted immediately or be subject to litigation. 

Note I have attached previous sent letters to both companies. 
I also sent this same complaint letter to the attorney general to help with this unlawful situation.
Complaint sub-issue: Trouble with how payments are being handled

I have applied for the Public Service Loan Forgiveness program multiple times. I was enrolled for a few months before I consolidated my loans ( early 2017 ), at which time they told me I would need to re-apply. Over a year later, I still have been unable to get my PSLF application approved because I have " missing documentation ''. I even went so far as to upload all of the correct paperwork while on the phone with a representative to verify they had everything they needed. Once that was verified, I thought it would work, but I still have not had any payments go towards my PSLF. I have now lost over a year of qualifying payments and don't know what else I can do.
Complaint sub-issue: Frequent or repeated calls

XXXX XXXX, 2017 - Received unwanted robo call from XXXX at XXXX:XXXX XXXX and I returned the call at XXXX The robo call says if we want to get a paid in full report, press 1, if we want to stop calls to this number press 2 and enter your number, or to speak to a customer service agent press 4. I did n't press a number, but then was connected to a representative representing " ERC '' who said that he was on a recorded line and asked me if I was " XXXX XXXX ''. I said no, how did they get my number? ... then the representative hung up on me.
I am registered with the National Do Not Call Registry. I would like the company to refund me the cost of wasting my time {$200.00} or the penalty under the Do Not Call Registry, at their option.
Complaint sub-issue: Need information about your loan balance or loan terms

I am in process of trying to transfer my loans to take advantage of PSLF. One of my employers from XX/XX/XXXX - XX/XX/XXXX has since dissolved, as such I am unable to obtain the Employer Certification. 

Fed Loan Servicing has advised that I need to produce either paystubs or w2s from my time of service in order to qualify for PSLF certification. I did inquire if they would accept my 1040 Tax filing or an IRS Transcript of my tax return showing the employment from that period however they will not. 

I do not have the means to produce the required documentation and am requesting support or an alternative means of certification.
Complaint sub-issue: Debt is not yours

This debt is illegally being reported to my XXXX and XXXX Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal.

The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied.

This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility.

What I want?

I want this debt listed by _____ immediately removed from all of my credit profiles.

They will ask have you tried to resolve this issue with the company.

I have tried to resolve this and they are unable to verify that I have a debt / document with their company.

That should be it. Make sure you put your social and email so they can respond and notify you of updates.