Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

XXXX XXXX offered a settlement ( in writing ) in XXXX 2017, for a credit card debt with them. All payments were made, and on time. After the last payment was made, they apparently wanted to collect the remainder of the debt. They continued to disregard that the settlement agreement was fulfilled, and when I refused to pay any more ( all the while reporting a bad debt and lowering my credit score ), they eventually charged off the debt and sold it to XXXX XXXX. I provided them with documentation of the settlement agreement. The only response I got concerning my documentation was that according to their research, I still owe the debt. They have now forwarded the debt to debt collection lawyers ( Johnson Mark LLC ) of XXXX, Utah, who I assume are now planning to file suit on the matter. They say they same thing, that according to their research, I still owe the debt. At this point, apparently this definitely does need to come before a judge to decide whether a settlement agreement is enough, or that I should pay the balance on the account, even though it was the creditor, XXXX, who didnt fulfill their side of the agreement. And apparently, XXXX XXXX and Johnson Mark also do not think a settlement agreement was sufficient to keep XXXX from demanding the balance of the debt, as now XXXX XXXX is demanding the balance of the debt.
Complaint sub-issue: Didn't receive enough information to verify debt

I have recieved a letter from a debt collector, and I responded with a debt validation letter. My requests for informatioin on that letter were ignored. The company continues to attempt collections with out verifying the debt to my satisfaction. I have attached the letter I responded to their initial contact with me informing me of an alleged debt. 

In the response I got from this collector, they did not proved documentation proving this debt is mine. ie. contract between me and the alleged creditor ; nor a signature that would show me entering into an agreement or plan. 


They did not indicate if they are licensed in the State of Florida
Complaint sub-issue: Old information reappears or never goes away

about XX/XX/XXXX we bought a car from XXXX 's XXXX in XXXX XXXX WA. The manager XXXX, The car was not properly safety checked and we spent {$2800.00} in repairs for suspension work. They told us the tires were bad and we found out there was serious safety issues with the suspension. We were also told that the lights on the speedometer were out and the bulbs needed to be changed. When we removed the speedometer and we found there was fire damage and the dealer told us to replace it and they would pay for it. We kept the bad speedometer in the back of the car for proof. the dealer said they would notify the warranty company of the change so the warranty we paid for would be kept in good standing. We found out later that the dealer did not do this. When submitted the {$2800.00} to the warranty company they denied the claim saying it was fraudulent due to the speedometer change. The transmission started to give us trouble and the dealer would not help with it. they were responsible for the warranty being cancelled and told us to take it up with the finance company. the finance company, XXXX XXXX companies denied to help us. we then told them to come and get the car as we were no longer going to pay for this lemon. they picked it up in XX/XX/XXXX as the dealer refused to accept the return. Were contacted by letter from XXXX XXXX that they had sold the car for {$6500.00} and we owed them {$1900.00}. We explained to them we had spent {$2800.00} on the car and we would call it a wash if they would accept it. The Lady we spoke with, XXXX, said that would be fine and she would send us a letter to that fact. We never received that letter. In XX/XX/XXXX XXXX XXXX reported on our credit report we owed them {$9500.00}.
Complaint sub-issue: Other problem

Macys debt protection program has been taking money from me for 13 years! I finally found out about it and they wont do a XXXX  thing besides say we will escalate the issue well its been escalating for 120 days now and still nothing! No one has phone numbers or contacts to anyone, but now Im just finding out its Citibank who is responsible. Even Macys corporate office had zero answers for me. Plus no one can show me any documentation of my enrollment into this scam, My balance is XXXX $ and the amount that you have taken from me should be refunded to my account and XXXX  out! 13 years Ive been scammed by you and Macys and no one wants to take any type of responsibility but you both have no problem taking my money, and I want it back!
Complaint sub-issue: Account status incorrect

A late payment is reporting on my credit report This is incorrect, I was granted a extension. 
My account is paid up and current.
Complaint sub-issue: Their investigation did not fix an error on your report

I do not believe I have gotten a fair and honest response to items on my credit report that are unknown to me. I have sent XXXX dispute letters to all bureaus in the last 120 days.
Complaint sub-issue: Attempted to collect wrong amount

A payday loan company got a judgement on me in XXXX in the amount of {$1300.00} which includes court fees and costs. I started paying them back on XXXX/XXXX/XXXX {$50.00} per month through a debt management company. When they were contacted in XXXX XXXX by the debt management company to set up a payment plan they automatically served me with court papers. I got the court date cancelled by filling out a financial statement and proof of needs based assistance. The debt collection company agreed to a temporary payment plan of {$50.00} per  month for 5 months. I upped my payments to XXXX per month in XXXX XXXX like they asked. In XXXX XXXX i received another summons to appear in court. The debt management company called the collection company with me on a 3 way call they stated we were going to court again because I had not completely completed another financial disclosure form that they sent to the debt management company. The debt management company had no records of their request. The debt collector said if i complete the form completely that we wont have to go to court but i will still have to pay them court fees. I have been called at least once per week by the debt management company requesting my bank account information and employer information for the debt collector since XXXX XXXX. I have paid XXXX dollars on this debt over the past year and have XXXX left to pay. The debt management company tells me the collector is charging me interest at 12 %. This is a 6 year old debt. The reason for the court date on the papers i was served is for unpaid debt in the amount of XXXX. I only have XXXX left to pay plus they are now charging me interest. Is this legal? They have not agreed to a payment plan for whatever reason but are cashing my payments. I should not be responsible for added court fees again i am already paying them in the judgement of XXXX
Complaint sub-issue: Problem getting your free annual credit report

Called today checking on my free credit report : - Equifax mailed it to the wrong address! 
Why will they not update my file with my current address? Equifax today stated they can't do this, '' update my address '' - but I have letters from them stating they will mail me at my correct and current address. - they even mailed me two letters about this stating it was acceptable. Today I was told to go to XXXX - It doesn't work for my IP number and the CS rep. knows this. 

I spoke with Equifax on XX/XX/XXXX and said it would be mailed out to me at my XXXX address. What a liar! Today I was told it was mailed to my last old Colorado address which is 14 years old and not valid. Please recall this mail back to Equifax and send it to my current address. Conf. # XXXX. 
I have sent Equifax - My CO  and XXXX Dr . lic., my XXXX electric bill, IRS letter with ss # and XXXX address, a 1099 with my XXXX address, my SS card and a copy of Equifax 's letter to me with my XXXX address. Every month, my creditor mails a statement to Equifax with my XXXX address on it. it is obvious they disregard it. 

Today I spoke with CS, I was told that my current address was only entered as a personal statement in my report. It could not be enter as my address and they refuse to mail my credit report to me, even though their letters were mailed to me at my XXXX address and were required to be scanned and faxed back to Equifax with my ID data.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX is reporting inaccurate information on my credit via XXXX and Equifax. XXXX basically is re-aging the account when the original reported date of chaarge-off was in XXXX. They have since, began reporting on closed account on XX/XX/XXXX. Which is illegal. Please assist me, the company has not been very responsive. XXXX is no longer reporting this older account.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected rights to privacy and confidentiality under USC1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy and 15 u.s.C section 604 A section 2 : states consumer reporting agency can not furnish a account without my written instructions. 

Please provide : The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. The date you contacted the individual funishers of information.The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 

XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX, ) has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXXXX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted the 3 credit bureaus equifax, XXXX, XXXX about incorrect information on my credit report and they never respond or never remove the information thats incorrect on my report Ive called and mailed them at least the last 6 months 7 or more times Im so frustrated with this I dont know what to do its ruining my reputation They are violating the law my right to privacy and my right to fair credit reporting USC 15 1681
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX XXXX {$550.00} balance has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX {$7800.00} has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX # XXXX {$0.00}. has violated my rights. 
In accordance with the fair credit reporting act XXXX XXXX  XXXX {$130.00} has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXXXXXX XXXX now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

I've sent multiple letters and called to dispute incorrect accounts and information on my credit report. Every response comes back as the account has been updated.
Complaint sub-issue: Company closed your account

Discover card decided to unilaterally close my account last year. I was unaware that the account was closed for non-use, since I received no notification that I needed to use the card to keep it open. 

When I spoke with the customer service rep today, she was unwilling to submit my request to reopen the account. I have never missed a payment in the 20+ years I have held this card. 

It's clear Discover does not value my business and instead was attempting to " reduce risk '' by closing my account with no notice. I am beyond disappointed that this is how they are treating long-term customers.
Complaint sub-issue: Reporting company used your report improperly

I did not authorize nor consent to the following inquires being furnished on my consumer report.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit XXXX {$1000.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$15000.00} ), XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$160000.00} ), DPT EDXXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$3500.00} ), DPT EDXXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2000.00} ), DPT EDXXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$4500.00} ), DOE XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$860.00} ), DOE XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$390.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Their investigation did not fix an error on your report

filled a previous complaint that I could not get my credit score. They have the wrong name with my ss number. I have faxed them my driver licensee, social security card and passport a total of three different times to fix this problem. Equifax is the only company Iam having this issue with. their response to my complaint was still the same problem. Then they send me a letter with someone else name on it PLEASE Help
Complaint sub-issue: Problem getting report or credit score

I filed some disputes with Equifax XX/XX/2015 and since then Equifax has locked me out of obtaining my credit report. Everytime attempt to pull my report with either a credit monitoring agency or a creditor, Equifax renews a 90 hold on my credit file and notifies XXXX and XXXX to have them place holds on my credit report as well. It seems that the XXXX agencies are trying to punish me for filing disputed with them. I have called numerous times and written to Equifax requesting that this hold be lifted.
Complaint sub-issue: Information belongs to someone else

These bankruptcies was dismissed. CREDIT BUREAUS need to remove these Bankruptcy XXXX XXXXdismissed US BKPT CT FL XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX and Bankruptcy XXXX XXXXdischarged US BKPT CT FL XXXX Filed on XX/XX/XXXX Reference number : XXXX from my record to make sure that I don't need to comply with my personal legal rights according to 15 USC Section 1681n or 1681o, which needs your conformity utilizing the law.
Complaint sub-issue: Problem with balance transfer

On XX/XX/2019 I applied online for a PNC credit card with a 0 percentage interest on balance transfers. I was approved and put in the balance transfer information for 2 other credit cards I have. I kept checking these accounts to see when the transfers went through. After a few weeks I called PNC and was told that it takes 23 business days to go through. I kept checking each day and it still didn't go through. By the way they charged me a fee of {$58.00} on my card. I called them again on XX/XX/XXXX and was told that it wouldn't go through until the XXXX. On the XXXX it still didn't go through. I called PNC again on XX/XX/XXXX and was told it was sent but they don't have any control over when the credit card company it was sent to received it or when they post it. There were 2 companies that were supposed to be sent this balance transfer so what are the odds that neither of them received the money? I was told to wait until Friday and to call PNC back if it still didn't go through and if it didn't that I could stop the transfers and use the 2 checks  sent to me with my card to get the money by signing them out in my name. So on Sunday XX/XX/XXXX I checked and the transfers still hadn't gone through and I called PNC again. I told her that the balance transfers still hadn't gone through and asked about stopping the payments and using the checks I had to get the money that way. I was told she could stop the payments and reissue them to the 2 other credit card companies again. That would put me in the same spot I was in. I told her to stop the transfers to the credit card  companies and I would use the checks made out to me and pay the balances myself. I was then told it takes about 3 days for the money to be available for me to write the checks to myself and another 10 days for the checks to clear. So now if everything goes right I should have the money by XX/XX/XXXX if she meant just 10 days or if when I call back they tell me that it's 10 business days. Which would bring it to XX/XX/XXXX I think. Oh and also there is a {$35.00} charge for each balance transfer cancellation which she said I should call them and see if I could get that back since I have never received the money. At this rate I will have a payment due before I have even received the money. I can't help but think this is a scam. How can I be expected to make payments on money I haven't received? Also it takes 2 months off the 0 percent interest for one year.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inquiries Want them removed
Complaint sub-issue: Funds not received from closed account

Citibank suddenly suspended my account. I have no issue with it. 

But the problem is my remaining balance. They said they would deliver an account closing letter for me but I never received it. I only got an email that they sent me an e-letter to my Citibank app, but since they had closed my account, I can not log in to the Citibank app anymore, so there is no way for me to check the account closing letter. 

I called the CS many times but all of them can not fix the problem, even can not give me a clear solution where or how to collect my remaining balance in the account. Before there was a CS told me that I could collect the balance in any branch, but when I went there, I was told that they still have to wait for the internal department to decide. Such poor internal communication and Wasted my time. 

Please be professional and send me the remaining balance by bank cheque ASAP. Thanks.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, and XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

Ive been disputing the XXXX XXXX XXXX XXXX XXXX and they dont work wit it i want to remove it asap
Complaint sub-issue: Account status incorrect

I have had my mortgage with XXXX XXXX XXXX XXXX for 14 years. Six years ago I went thru XXXX XXXX  and lost my job. At that time I filed Chapter XXXX Bankruptcy. A year later I stopped the bankruptcy and I paid back ALL of my creditors. With XXXX  I applied for the program to save my home and since that date I have not been late ONE TIME with my mortgage. 

However XXXX has continued to report my loan as closed and refuses to change that status. On XXXX and XXXX they would report it as closed XXXX balance due and included in a chapter XXXX. I have disputed this dozens of times and they refuse to fix the record. They continue to take my payment, but wont report it correctly. 

As of today they are now reporting on Equifax that I have filed chapter XXXX bankruptcy WHICH I NEVER DID. This has damaged me extensively. The emotional damage is huge because of the sheer HUNDREDS of hours i have spent trying to get them to fix their error. I have spend hundreds of dollars on paper, postage, toner, and phone calls trying to get this fixed over and over. 

I believe this latest report is in retaliation for me making the company pay overdraft fees back to me when they drafted my bank account in error causing my bank to overdraft. I have a letter proving that they did this. And now to get back at me they are trying to destroy my credit even more. 

I just want them to stop trying to destroy me. i cant buy a vehicle because of their malicious behaviors. It has me severely depressed and angry.