Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Attempted to collect wrong amount

case number XXXX XXXX disabled their online payment system to make payments. It has been shutdown for almost a month so far that I know of. 
They are requiring payments by the XXXX of the month, which is not possible with the system disabled and i have no control over mail delivery, especially with holidays.
Complaint sub-issue: Debt was discharged in bankruptcy

Hunter Warfield on behalf of XXXX XXXX XXXX XXXX made numerous attempts to collect a debt over the course of 4 months. I filed for chapter XXXX bankruptcy protection on XXXX/XXXX/XXXX and had my hearing scheduled for XXXX/XXXX/XXXX. My FINAL Decree was issued on XXXX/XXXX/XXXX. It is my understanding that the initial filing of the petition is meant to stop the debt collection process. Despite me filing on XXXX/XXXX/XXXX, Hunter Warfield still sent the attached collection letter dated XXXX/XXXX/XXXX trying to collect this debt.
Complaint sub-issue: Account status incorrect

on XX/XX/XXXX I sent a letter to XXXX, XXXX and Equifax to dispute a XXXX ( Account Number : XXXX ) its been more than 30 days and they have not responded also they are reporting inaccurate information on my report. I have not gave permissible purpose for this account to be reporting on my report. under 15 U.S Code 1681b Permissible purposes of consumer reports I never gave XXXX, XXXX and Equifax any written consent to report anything on my consumer reports no consent is FRAUD XXXX demanded to see verifiable proof with my signature on a contract and written consent I gave XXXX, XXXX and Equifax to report for the account listed below on my consumer report. and they never did they had 30 days and did not XXXX ( Account Number : XXXX ) also it is reporting inaccurate information says there is a balance but I have receipt that the balance was already paid
Complaint sub-issue: Account information incorrect

I purchased this loan product in XX/XX/2019 from XXXX XXXX XXXX for {$12000.00}. I made my payments on time until I consolidated my loans. A payoff check was sent to them from my bank and process on XX/XX/2019. Their company sent me an email stated that my obligation to them was paid in full on XX/XX/2019. I still have that email in my possession and can provide it if needed. I requested a statement from them when they attempt to say that I still owe them money. That statement shows that they processed the check. They are still trying to get more money from me and it keeps increasing. It is also on my credit report. I saw online that they do this to customers that pay off their loans earlier. I do not know what to do and have attempted to resolve this with them. This has really destroyed my credit score. Please help! They should be shut down for these practices. I do not want anyone else to deal with this.
Complaint sub-issue: Investigation took more than 30 days

I have requested multiple times the unacquires be removed of my credit profile. This issue has limited my ability to seek employment, obtain credit, and I am not able to get loan and credit that qualifies to my personals because of this issue
Complaint sub-issue: Investigation took more than 30 days

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

I have tried working out payments with the loan servicing company. However, due to job losses I fell behind few payments & could n't keep up. This year after I filed my tax return, I was shocked to find out that IRS has applied the entire refund amount ( {$2000.00} ) to a past obligation. When I contacted IRS  ' Bure   au of Fiscal Services  (  BFS ) to find out the reason, they gave me the phone number for the loan servicing company to contact.   This is definitely not fair, as I 've worked with them to make payments. As a private, for-profit company, they should not have the right to withdraw money owed to me by a federal government agency.
Complaint sub-issue: Problem during payment process

On XX/XX/2020, EQUIFAX MORTGAGE SOL add a hard inquiries on my credit reports per XXXX, Equifax and XXXX. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On AXX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX.
Complaint sub-issue: Problem getting your free annual credit report

Equifax is completely disfunctional. I am not able to get my 'free ' annual credit report online. I can not check the status of a credit freeze on their website. 
On XXXX XXXX, 2019, I tried to get my free annual credit report from Equifax online. After providing all of the necessary information, I received a message that credit reports are not available online, and that I would need to print, fill-out, and mail an 'Annual Credit Report Request Form '. The form requires my SS number, DOB, full name and address, and directs me to send all of this vital information through the US Mail to an address labeled : Annual Credit Report Request Service! 
How insane is that? 
I am on a secure website which will not allow me to get my annual credit report, but I can send all of my information through the mail with a big red flag on it that says 'please steal my identity '? 
Equifax is a terrible company that puts every roadblock imaginable in front of the consumer. 
XXXX and XXXX are near-perfect. It is a startling contrast. 
Please, please force Equifax to either provide the services that they are required to provide to the consumer, or make them leave the market.
Complaint sub-issue: Reporting company used your report improperly

THIS ACCOUNT HAS VIOLATED MY RIGHTS ; XX/XX/XXXX CARD ACCOUNT NUMBER : 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

Accounts & Inquiries on my report that DO NOT BELONG TO ME : Accounts XXXX XXXX XXXX - {$0.00} Opened XX/XX/XXXX XXXX XXXX XXXX - {$3500.00} Opened XX/XX/XXXX XXXX XXXX XXXX - {$1700.00} XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

Discover financial has wrongfully and inaccurately placed several late payments on my credit report. These issues began during the COVID19 pandemic XXXX and Discover agreed to remove these late payments with a goodwill update request to the bureaus, but they never followed through. These late payments have negatively affected my life and ability to acquire financing. 

They are in violation of several FCRA laws. 

According to the FCRA : 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 : States a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

I would like I.C System Inc. to kindly cease the illegal activity of trying to collect a debt within a state you are not licensed in. In the state of NJ, all collection agencies are required to be licensed within that state, under the New Jersey Consumer Finance Licensing Act, N.J.S.A.17:11C-1 ET SEQ.

I.C Systems are licensed in only 13 states and New Jersey is not one of them. 

Arizona, Connecticut, Idaho, Indiana, Maryland, Massachusetts, Nebraska, Nevada, New Mexico, North Dakota, Oregon, Rhode Island, and Wyoming
Complaint sub-issue: Debt is not yours

I 've disputed this debt with Americolle ct Inc., They 1. Have ne ver " Responded '' to my dispute as per the FCRA AND FDCPA guideline s. 2. I 've i nformed them the debt is NOT MINE, I would like them to send me a copy of all medical bills WITH MY SIGNATURE, and if they are able to obtain these, I would like the following along with it : The person they ( Americollect ) spoke with at the original creditor, I need their name, address, phone number and extension to pursue further action. I 've tried contacting this agency to no avail. I would like the account removed from my credit report and they can find out who it belongs too.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I was shopping auto insurance and XXXX told me that there was a accident claim on my report. They gave me the company information and I went to the company website to ask for a copy of this report and 45 days later I receive a letter in the mail that instructs me to go to a link on their website and enter a code. I did this and the link does not work. I want a copy of this report.
Complaint sub-issue: Information is not mine

Balance of {$91.00} paid in full, creditor is also reporting the wrong amount shows {$95.00} on Equifax. 

Open Account # 1 {$95.00} Balance XXXX GA Original Creditor {$91.00} High Balance XX/XX/2016 Opened Date XX/XX/2016 Last Reported Joint Account Responsibility -- Remarks Note
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Information belongs to someone else

Someone added me illegally to a US Bank Credit Card account as an authorized user without my consent or knowledge. Ive reached out to US Bank countless times about this situation. On XXXX XXXX in particular, a US Bank Representative by the name of XXXX told me that she knows fraud has been going on with this account because they havent been able to contact the primary account owner for quite sometime. She said I am not responsible for the debt and that the account would be deleted off my report within 30 days from XXXX XXXX. As of XXXX the account is still showing on my report. On XXXX XXXX I contacted XXXX to file a dispute over the US Bank credit account in question and to notify them of this fraud only for a day later on XX/XX/2022, for them to tell me that my dispute has been updated and the information is staying the same. Ive tried doing the right thing but Im tired of going back and forth. This US Bank account in question is not mine, I did not authorize anyone to add me as an authorized user, this debt is not mine and it needs to be deleted immediately! This is FRAUD!
Complaint sub-issue: Their investigation did not fix an error on your report

I talked to XXXX numerous times about my credit card never coming in the mail to my P.O Box I never received my credit cards I paid my XXXX credit card for everything that I charged three reprsenatives have told me that XXXX would be deleted from my credit reports I disputed it with all three credit bureaus the only one that deleted it was XXXX need it deleted on my XXXX and equifax reports
Complaint sub-issue: Information belongs to someone else

A couple of moths ago I decided to check into my credit report after watching a show on the television describing how important credit was. Upon checking, I found that there was three ( 3 ) credit items which didnt belong to me and a bunch of inquiries. Instantly I began to freak out, thinking that my whole world had ended before it started! I then contacted XXXX, equifax and XXXX XXXX advising them that the accounts for XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX ( opened XX/XX/XXXX ), and XXXX ( opened XX/XX/XXXX ) were indeed fraudulent accounts. They then advised me that they would investigate the said accounts and let me know the outcome of the dispute. About twenty five ( 25 ) days later, I got a notice from them advising me that the said accounts were verified as indeed mine and there for accurate. I knew at that moment that my identity was indeed compromised!! Ive also tried ( unsuccessfully ) to dispute these accounts with the originator of the accounts. Ive asked the agencies as well as the creditors to supply me with the original signed applications, showing my true blood and bone human signature as proof that Im responsible for those accounts. I have not received those documents, meanwhile my credit is suffering and handicapping me from exercising my right of life, liberty and the pursuit of happiness.
Complaint sub-issue: Problem during payment process

Hi & happy Saturday again, I'm not sure where to bring this issue to!!! I was going through my credit report from the credit report agencies and credit monitoring sites and I've challenged this inaccurate information with departmental store BestBuy because there is an unknown late payment on my report from XX/XX/2017 30 days late payment. How is that possible? 

I have an impeccable credit profile and this is really stressing me out and I can not have accurate information/RESPONSES and proof back this company. I send out a letters as shown to the company for in-depth verification on that late payment and asked if they can not prove I was actually and factually late - then I need it to be updated as paid as agreed and NEVER LATE. Please change that.
Complaint sub-issue: Their investigation did not fix an error on your report

Over the last 3 months I submitted and sent in numerous dispute investigations to Equifax, XXXX, and XXXX about the inaccurate and false accounts that I allegedly owe. All agency tell me that they contacted the collector and it is verified. I asked numeroud of times to send me actual documented ( Signed ) proof of these alleged accounts and they never do. Per the FCRA if the disputed accounts are not properly investigated with documented proof of my signature and data the it MUST BE DELETED!! ALL AGENCIES FAILED TO COMPLY. 
Below are the accounts i filed for disputed and that were inaccurately investigated : XXXX : XXXX XXXX XXXX {$550.00} XXXX XXXX {$220.00} Equifax : XXXX XXXX {$1800.00} XXXX XXXX {$550.00} XXXX : XXXX XXXX   {$1800.00} XXXX XXXX XXXX {$550.00} XXXX XXXX {$220.00} The above accounts were NOT VERIFIED CORRECTLY. Per the FCRA they can not verify consumers accounts by the collectors saying its accurate, VALID PROOF should have been investigated then they would have realized these accounts ARE NOT MINE. My next step is to file legal actions against the 3 agencies, i am a litigious consumer and i have all rights to fight for this.
Complaint sub-issue: Debt was paid

I have disputed with the XXXX major credit bureaus online, verbally, and in writing related to negative items I believe are erroneous reported on my credit report. I have disputed the account information as inaccurate with XXXX, XXXX, and XXXX to send information that verifies the debt has not been paid. How is this possible? Under the consumer laws, I 'm unable to get them to send me a detailed invoice related to the amounts I owe. It 's very confusing as a consumer to continue to receive letter from several different collection agencies requesting me to pay the same debt for different amounts. I have uploaded the letter received related to a debt with XXXX, that 's been paid and resolved.
Complaint sub-issue: Problem with fees

Citibank is trying to charge me fees on an account that is completely paid off and closed. 

I received an email on XX/XX/XXXX saying that my account was overdue by 3 days. My statement was only overdue because I ever received an XXXX statement from them. I pay statements the day that I receive them. 

So, I immediately called customer service. I explained that I never received a statement and thats why the payment was 3 days late. At that time, there were two outstanding charges. I paid both of those charges at that time. The representative told me that there was NO LATE FEE assessed at that time. So, at that time, I completely paid off the credit card by paying those two charges.

The next week, I received a statement in the mail with a late charge and also one of the charges was on the bill, a charge that I had already paid. 

I immediately called customer service. I told them that I had already paid all charges and that I was told there was no late fee. At that time, I closed the account and told them they would not receive any further payment from me, because I had already paid all charges and was told there was no late fee. 

Then, I received another email, saying that my account was overdue! And, looking at the account statement online, they were charging me not only for the amounts I had already paid off, but also a second late fee charge. The amount in question is {$47.00} and I have the bank statement showing that I paid that off. 

I called again and was told that the late fees are there because I still owed for a payment from XXXX. But, again, I had already paid off the card. And, I have the bank statements to prove it. 

So, in essence, they keep ignoring the fact that I had paid off all that I owed ( and have the proof to show that ) and keep charging me fees. 

And, I have had many credit cards in my lifetime and NOT ONE of them ever charged a late fee if I was in error and was late on a payment by a few days. Every single credit card company I have dealt with, except for Citibank, has waived the fee on a first offense. Also, as I stated, I was told that I was not given a late fee in the first place, then they went ahead and did it anyway.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX # XXXX is reporting inaccurately on my credit report. I have settled this debt and I do not owe anything on it. It should not be reporting on my account at all.
Complaint sub-issue: Information belongs to someone else

Equifax is reporting a ID Theft account that was removed several months ago,. It was removed and now it is re-reporting again. Police reports as well as other supporting documents have been sent in several times. XXXX XXXX is a FRAUD ACCOUNT
Complaint sub-issue: Public record information inaccurate

Hello I am XXXX XXXX, I am reaching out to you, In part to a bankruptcy That has been Is null and void on my consumer report which Is hindering me financially, I have spoken with XXXX, I have spoken with Equifax and I have spoken to XXXX, who all told me they would remove this account from my report about 2 months ago now, but I happen to check my report recently and it is still showing up there which Is odd, If There Is nothing your corporation can do to remove this account I will take it a step further If need be. 
Thank you The law states In 15 U.S. Code 1681 ( A ) ( 1 ) ( 4 ) - Congressional findings and statement of purpose ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681 ( b ) - Congressional findings and statement of purpose ( b ) Reasonable procedures- It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXXeference number : XXXX Record type : Bankruptcy chapter XXXXdismissed Court