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

I received a notice from a collections agency for {$590.00} from Grant and Weber in XXXX XXXX, CA. The notice stemmed from a bill from XX/XX/XXXX, charging me for XXXX XXXX. After insurance adjustments, the patient responsibility was approximately {$10.00}. I called into XXXX XXXX 's XXXX XXXX XXXX XXXX billing department to point out that the {$590.00} did not include insurance adjustments, and the representative agreed, and said I only owed {$10.00}. I paid off the {$10.00} in XXXX of XXXX and I was also told to disregard any future communications as that bill was considered paid off. 

Months later, in XXXX of this year, I received the notice from Grant and Weber for  {$590.00} plus interest. I called XXXX XXXX a few days later and they agreed to contact Grant and Weber to rectify the situation. However, I have not received any communications, and now, two weeks later, XXXX refuses to help or follow up with me as they now have no record of the {$590.00} charge, even though I still have the bill from XXXX, and the charge is shown as paid on the XXXX billing website. 

What's even more surprising is that I learned, in my call to XXXX XXXX 's XXXX XXXX XXXX XXXX billing department, that they sent a {$28.00} bill and a {$40.00} bill to collections in XXXX and XXXX, and sent a XX/XX/XXXX bill of {$28.00} to collections in XX/XX/XXXX. I did not receive any notices for those. Because the XXXX and XXXX bills were so long ago, I do not recall if they were paid off before they got sent to collections. Or they might have resulted from the same mistake as above. It seems clear that they use collections quite aggressively without giving consumers adequate notice. A 2-month window is not adequate notice. It is clear that in many instances, they do not send more than one bill before sending it to collections.
Complaint sub-issue: Account information incorrect

The dates and loan amount default need to be checked.
Complaint sub-issue: Debt was result of identity theft

Summary of complaint submitted : XXXX I have received a response back from cfpb in the mail. In the mailed package it included information from the company that responded. In their letter they have acknowledge the harassment which is a ( Violation ) after I asked them to take me off their call list as well as cease and desist all actions. They forgot to add, or more like omit that I have told them verbally and in writing that this isn't my account nor debt. 
In there drawn out letter that basically states to my understanding that they refuse to remove fraudulent reporting that they illegally placed on my personal credit until they get a police report. Another inconvenience to the consumer that's a victim to their fraudulent practices and identity theft. To add insult to injury : The company gave cfpb a copy if a Lease Purchase Agreement with a ( fraudulent/ signature forgery ) forged signature with my name on it. This alone is a huge red flag. I'm sorry to State the obvious that I actually sign all documents in cursive writing, ( * My generation was taught cursive writing signing and writing * ) I never use a print like signature especially not as perfect as whoever forged my name. That's crazy to see my name forged ( wow ). On top of that : the agreement was dated XX/XX/XXXX which I was in XXXX XXXX, Texas on XX/XX/XXXX. According to this fraudulent agreement dated and in the company 's response letter on XX/XX/XXXX I seen a retailer in XXXX, Georgia. Interesting to know I was in 2 places that actually is approximately 15 hours away from each other and 3 states apart.

Clearly I have enough evidence from the company 's fraudulent agreement with a forged signature, and date. Plus a direct letter stating the company continued harrassment : according to the response letter the company noted twice documented harassment calls. I directly claim several incidents. Apparently the law is the law and two is sufficient enough. Also, acknowledging that this isn't my account. 
I have reported the fraudulent activities to the : FTC ( Report # XXXX ), FTC holds sufficient weight as a government agency. 
CFPB XXXX  And to the company I have verbally asked the company to cease and desist, and in writing. 

*I 'm attaching a few documents with my hand writing and signature for cfpb to see the company 's fraudulent activities.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The dealership ran my credit report without my permission. I visited a dealership but I never gave the salesman my social security number and I told him that I will not give any permission until preliminary number were worked out. However, I found out that more than 20 companies ran my credit report without my authorization. My rights has been violated and now my credit score decrease because of that negligence. 

Once I received a copy of my credit report, I immediately report the problem with the credit bureaus but as of today, I haven't received a satisfactory respond from them or the company.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I contacted Discover on XX/XX/XXXX about an issue that I am having with XXXX XXXX. XXXX added a chargeback charge to my account that I need more information on. XXXX claims that they refunded my Discover account for a charge in XX/XX/XXXX. However, I believe that this was reversed and I did pay that amount from that transaction. I need proof from Discover that either backs up that XXXX applied the credit to my account or documentation that states that they never provided a credit to my account. 
I informed Discover that I need this information in writing. Discover was unwilling to handle this issue in writing. I gave them my emails, I used the Discover Secure Message Center, and they also have my physical address to send written corespondents. Discover is unwilling to handle this issue in writing, but it is essential that it is handled in writing so that there is documentation that I can use if to convey the finding to XXXX. Please answer the questions. Thanks.
Complaint sub-issue: Their investigation did not fix an error on your report

For over a year, I have been disputing these items on my credit reports. None of the creditors have supplied legal documentation such as a contract bearing my signature, my ID, calculations on the debt and who it was furnished by. These items are affecting my quality of life. I need direct resolution ... 

XXXX  XXXX XXXX {$4800.00} XXXX XXXX XXXX {$4400.00} XXXX XXXX {$2300.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$240.00}
Complaint sub-issue: Transaction was not authorized

I WENT TO PNC BANK LOCATED ON XXXX XXXX XXXX BECAUSE SOMEONE WITHDREW {$190.00} OUT OF MY BANK ACCOUNT I DID NOT AUTHORIZE IN AUGUST 0F 2021. I DEPOSITED THIS MONEY IN XX/XX/2021. THE BANK MANAGER WAS TO CALL XXXX AND EMAIL THE COMPANY REGARDING THIS TRANSACTION. A PROVISIONAL DEPOSIT WAS GIVEN TO ME. IT HAPPENED AGAIN, I WENT TO THE BANK THREE WEEKS AGO AND THE MANAGER SAID HE WOULD LOOK INTO THIS AND GIVE ME A CALL, I HAVE NOT RECEIVED A CALL. 
I WENT TO XXXX TWICE AND WAS TOLD THEY DID NOT TAKE THE MONEY OUT OF MY ACCOUNT. THE GENERAL MANAGER AT XXXX CONFIRMED THEY DID NOT TAKE THE PAYMENT OF {$190.00}. I WANT PROOF XXXX GOT MY MONEY. I WANT PROOF WHERE MY MONEY WENT.
Complaint sub-issue: Funds not handled or disbursed as instructed

So on Saturday XX/XX/2021 at approximately XXXX am to XXXX I was doing online shopping on my XXXX XXXX app on my phone. I had added everything I decided purchase, and completed my order using my cash card from Cash App. I had already added their offered boost of {$100.00} off any purchase anywhere onto my cash card, specifically for this purchase, as I usually have big orders when ordering from this company. My grand total was {$150.00} and right away I had a notification pop up letting me know that the boost had saved me {$100.00} off my total purchase, and the initial charge was {$56.00} to my cash card. So the next day I go to transfer $ from my Cash App to my online games, and it said insufficient funds, so I checked my balance and activity, and all of a sudden, the {$100.00} was gone and the total purchase price went to {$130.00} so I contacted Cash App support. And it has been a nightmare since. Every time I send a message, a new agent joins and obviously doesnt read anything from the previous interactions. They keep giving me the run around, telling me that I didnt have the boost on my card, when I know XXXX well that I did. I have screenshots of all of my interactions with their support team agents, and I also have a downloaded PDF document of my transaction history with Cash App. And if you look at my statement, it clearly shows that I had some sort of boost on my cash card when I made the original transaction, because it shows a cash boost refund to my cash card. I literally am about to lose my mind with them. Theyre rude, they dont do their job, and this is now going to be a second time that Im being screwed by them. I just want them to stand by their advertisements about the boost. I want my {$100.00} back, I was saving that for dog food, and other necessary household items.
Complaint sub-issue: Information belongs to someone else

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX/XXXX   XXXX {$0.00} XXXX XXXX {$28000.00} US DEP ED XXXX {$45000.00} US DEPT ED XXXX {$55000.00} XXXX XXXX {$4500.00}
Complaint sub-issue: Frequent or repeated calls

Conns is repeatedly calling from different numbers and have called 7 times today alone, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX the bill is only 4 days late and will be paid tonight but they are harassing us over 4 days.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/2022, submitted a letter, XXXX XXXX XXXX Bankruptcy Court, regarding an entry appearing on my XXXX Credit Reporting Account. 

XX/XX/2022, received a letter from XXXX XXXX XXXX Bankruptcy Court, confirming that the U.S. Bankruptcy Court doew not report case information to the credit reporting agencies XX/XX/2022, submitted a follow-up letter to the XXXX Credit Reporting Agency , in which XXXX reported as being verified with the bankruptcy court, which prompted me to contact the Bankruptcy Court XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In both XX/XX/XXXX & XX/XX/XXXX I filed a complaint with XXXX and Equifax aboutUNAUTHORIZED inquiries on my credit report, prior to this complaint I had a fraud alert added to all 3 credit bureaus early in XX/XX/XXXX I believe XX/XX/XXXX/XX/XX/XXXX and wanted to be contacted if my credit was run by any creditors during that time I received only 3 calls from creditors to look at my report those 3 were "  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX '' because I was shopping for a new vehicle. All other inquiries from the time I had XXXX XXXX XXXX added till now were NOT AUTHORIZED and I asked to have them investigated and removed " XXXX '' completed their investigation on XX/XX/XXXX & Equifax completed theirs 2 days after submitting my complaint online, both stated that the inquires are Factual when they are not they took less then a week to investigate which I find a bit unbelievable I do n't think they actually did a investigation and it is GREATLY affecting my credit and hampering me from purchasing a new home!
Complaint sub-issue: Didn't receive enough information to verify debt

I went to in network XXXX XXXX XXXX Hospital on XXXX of 2018 for an XXXX  XXXX of a suspected XXXX  or XXXX XXXX. They determined it was only XXXX, I paid my XXXX deductible, and went on my way. A month later I get a bill for XXXX from XXXX XXXX, the doctor that saw me on my ER visit. The bill from the hospital was covered by my insurance company, XXXX XXXX. The Bill from the Doctor was not, I called the hospital, they said there's nothing they can do, I have to dispute it with my Insurance company. I did just that, with no results. They told me the doctor was an " out of network doctor '' well that's fine but I went to an Emergency room, I didn't make a doctors appointment. Doctors absolutely should not be billing patients in the ER. So the short of it is, I went to an in network hospital, but I was seen by an out of network doctor whom I did not choose, I only went to the ER to get an XXXX. Now I'm getting called by Bay Area Credit Services everday bc they sent the bill to collections. 
5 parties involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bay Area Credit Service Me
Complaint sub-issue: Problem with personal statement of dispute

In XXXX of 2019 we started the process to look for a new home. See the attached Consumer Explanation Letter ( Provided by XXXX XXXX ). We saw on this document that we had 8 derogatory accounts. As this was the first time we had ever seen this, we let them know that NONE of the reports had any validity. 
First the XXXX XXXX XXXX was from a refinance that went bad, and we were held XXXX by XXXX XXXX XXXX, XXXX XXXX, and XXXX Bank. In an attempt to refinance with XXXX XXXX ( who helped us along the way ) the servicing lender paid the taxes for our property, and the new mortgage company also paid the taxes at the same time. This created about seven months of insanity ... all while continuing to pay the new mortgage on time, and without delay. But since the old mortgage company claimed we needed to pay the taxes it was reported that we missed our mortgage payments on the old mortgage. We never missed a payment. We were told by all companies that they resolved this so that it would never show up on a report ... and I need this removed ( # 8 ). 
The first 7 derogatory accounts are not mine, and I've never even seen a bill for services, nor have I ever been contacted to pay them. I attempted to call Equifax since they were the ones listed as reporting them. They gave me the number for the reporting folks " Merchants Credit Guide, XXXX XXXX XXXX XXXX, XXXX, IL XXXX ; Phone XXXX. I called them and the number is not a working number. I called Equifax back and they said that I could dispute the claim. I did that and they said that they verified and they were in fact my charges. They gave me the same number to call and I submitted another complaint / credit file with them, and I have included it for your review. They said that the hospital and urgent care places that my daughter in XXXX at the time had gone to, had my contact info as responsible party. That was not true, and I didn't authorize any charges for XXXX XXXX, nor was I given a copy of any bill or collection request. Obviously this is something that can be fixed, but the hospitals sold the collection to the agency, and the agency isn't there anymore, so now I'm stuck with this on my report and I need it to go away.
Complaint sub-issue: Trouble using the card to spend money in a store or online

Attemped to use the card to purchase items at XXXX XX/XX/2020. It was rejected by the credit processing machine. Later that day I checked with the company and was told the balance available was {$230.00}. Working with the automatic system I was advised that the account was inactive. I tried to contact a customer service rep but was not allowed that opportunity. The system did not allow it. 

On or about XX/XX/XXXX I tried calling the company again and could not get a customer service rep. When I tried the system hung up on me. I sent an e-mail complaint. The system told me it would be 10 days for a response. But as of today XX/XX/2020 I have not received a response. I have tried contacting the company again today and have spent 1 hour and 45 minutes on hold waiting for a customer service representative. 

This money is unemployment benefits I need very badly. The money was placed on a USbank Reliacard Debit card.
Complaint sub-issue: Account opened as a result of fraud

I received a letter in the mail with a bank statement from PNC Bank from the date of XXXX. I do not have a PNC bank account. The account balance for that XXXX count is XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Please remove XXXX CARD from my Hand Inquiries currently showing on my reporting. I do not know or have any known affiliations with this to the best of my knowledge. I have not known of any entity like this dealing with credit since 2015. A charge off in 2015. The statue of limitations are XXXX. Maryland. This looks negatively on my reporting .please remove, as a hard Inquiries. Thank you so much for your help! Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX I sent all 3 credit bureaus certified disput letters along with sending alleged creditors the same letters all certified, 3 different accounts were to be investigated. I did receive names and contact information for verification on 2 of the 3 accounts being disputed, but never on one in the amount of XXXX , since I was given no evidence of my obiligation to pay these debts in the time given by FCRA requirements I sent another letter by certified mail XX/XX/XXXX urging all 3 bureaus to remove this debt before legal action was taken and still have had no response. And I was never sent my free credit report that was also requested in disputed letters.
Complaint sub-issue: Debt was paid

XXXX put a hold on my orders in XX/XX/2021 for an outstanding balance of aprx. {$80.00}. On XX/XX/XXXX I contacted the XXXX party collector and resolved the balance. When I place orders with XXXX, they are canceled. XXXX states, that the XXXX party collector has not provided them with the information to prove my account is resolved. I called the XXXX party collection company and they informed me that they are not obligated to report to XXXX. This is the exact opposite of what XXXX 's cancelation latter states. I asked the XXXX collection agency how ill XXXX known my account is clear and they informed me that the company that processes the payment will inform XXXX. After explaining this to a customer service representative from XXXX, I called the XXXX party collection agency with the XXXX rep on the line so they could listen as I was able to confirm that my account with them was clear. 
I have a gift card on file with XXXX and I am unable to recover my funds. This is unfair since I am unable to use my account for orders. I have made several calls to all agencies involved to reactivate my account. 
I need help resolving this matter because each agency keeps pushing me off to another agency and no of them are trying to help resolve the issue.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2017 I did a consumer credit transaction with XXXX by XXXX XXXX. The total amount of the transaction was for {$14000.00}. In XXXX of 2017 i received a bill requesting that a payment be made. This transaction was also placed on my consumer credit reports which is a violation of federal law under the FDCPA. Pursuant to 15 USC 1681 ( a ) ( 2 ) ( B ) ( d ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from my consumer reports. The credit card is my social security card and is what I used to originate this transaction. XXXX XXXX is in violation of 15 USC 1605 ( a ). I was charged an additional {$14000.00}. As per the installment loan agreement the only payment that should have been calculated was the finance charge of {$11000.00}. The finance charge is the sum of all charges. XXXX XXXX failed to process this transaction appropriately and is in violation of 15 USC 1640 ( a ) ( 2 ) ( A ) ( i ) and is required by law to pay twice the amount of the finance charge ( {$23000.00} ).
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 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: Personal information incorrect

I XXXX : XXXX a natural person, ( hereinafter referred to as consumer ) is sending notice to Equifax, its United States affiliates ( collectively, Equifax, we, us, our ). I the consumer is opting out of any privacy policy and/or terms of use consumer may have directly or indirectly agreed to using Equifax services or websites. 
Equifax has 15 days to permanently delete and remove the following personal data from my consumer report and credit file. Equifax is not authorized to collect, use, sell, use and share the following personal data : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax must provide free copies of my consumer report, consumer disclosure and credit file reflecting updates in accordance with consumers instructions. Any authorized use of consumers personal data will not be tolerated. 
By sending Equifax this notice consumer does not waive any rights to take action against Equifax for any past or future violations of the law.
Complaint sub-issue: Sent card you never applied for

I recently received a letter from CITI Bank explaining that my application for a " CitiBusiness / AAdvantage Platimun select World Mastercard account '' could not move forward due to a freeze on my credit reports. 

I never applied for this card, nor did I authorize anyone to apply for this card. I have in place a full credit reporting freeze to prevent this sort of fraud. 

On the morning of XX/XX/19 I called CITI Bank at the phone number listed in their letter to me, XXXX and was unable to proceed because I refused to give my Social Security number as a condition to move the call forward.