Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Investigation took more than 30 days

I sent a letter on XX/XX/22 to XXXX XXXX XXXX regarding credit inquiries. I have not applied for any credit and I have placed fraud alerts on my account. If someone tries to open credit I will be notified. I tried reaching out to the company to resolve this issue, but I have not heard anything back and it's still reporting on my credit.
Complaint sub-issue: Debt was paid

To whom it may concern, We have been in an on going dispute with XXXX since XX/XX/XXXX which has resulted in a wrongful collection debt that has affected my fathers XXXX Security Clearance. 

XXXX has wrongfully sent our account into default despite several of my personal attempts to clear the account based on my cancellation of services request back in XX/XX/XXXX which I personally requested on several more attempts to listen to the call recordings of every person I 've spoken to within the company in attempt to prove my request of cancellation ( " this call may be recorded for monitoring purposes '' ). 

XXXX has continued to charge us for services well into the XX/XX/XXXX year for services in which we cancelled and have severely failed to provide reasonable definition as to why we were being charged. I have spoken to several XXXX members of " customer service, accounts receivable and collections '' and have received different excuses from each representative. Needless to say, two understood excuses I have received : The first - our account was never cancelled, the second - our account was cancelled but showed a debt for un-returned equipment. 

I have attached a notice from XXXX showing the start of service and also receipts for " un-returned '' equipment from the UPS Store. 

I 've asked on numerous occasions to speak to a manager in attempts to resolve the issue and was never able to reach a single one. Each representative " assured '' they showed no reason for debt and each " assured '' they submitted for a reverse of charges. That never happened and I was never contacted to provide proof. 

We believe we were never given a fair attempt to resolve this before being sent to collections and again, despite SEVERAL attempts. 

I have the names of XXXX representatives for most attempts to clarify the reason for debt and in attempt to provide proof of my rightful recordings of saying such cancellation was never given. 

POOR, POOR, Customer Service on XXXX.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

Professional credit service has not made any effort to contact me. I have received no letters from them. Ive not received any phone calls from them. The first I learned of this debt was from a letter I received in the mail from an attorney offering their services because a claim was filed against me. I contacted the courthouse and they provided me with the contact information for the company. 

I called the phone number provided on XX/XX/2019. This was the first time Ive spoken with this company. At this time I was asked to confirm my address, phone number, and asked if it was ok to leave a voicemail. I was informed they were trying to collect a debt in the amount of {$970.00} ... for XXXX XXXX XXXX. I was also asked employment information which I declined to provide. I asked for the information on how to obtain the paperwork filed. I was given the phone number for someone named XXXX. I left him a voicemail on XX/XX/2019 letting him know Im hardly ever in XXXX XXXX and I was trying to get the paperwork from him ( assuming it would contain proof of debt ). 

I never received a return phone call from XXXX. However he did leave the paperwork with someone at my residence on XX/XX/2019. 

I called and spoke with XXXX on XX/XX/XXXX requesting proof of the debt. Also informing her that I would have no problem agreeing to the principal balance and collection fee provided they send me proof of the debt. She stated that would not hold off their pursuit of the fees and they would still pursue the fees. I told her thats fine Ill go ahead and file my response with the courts however I would still like proof of the debt.
Complaint sub-issue: Information belongs to someone else

USC 1681s-2 Responsibility of furnishes of information to consumers reporting agencies ( a ) Duty of Furnishers of information to provide accurate information A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or his reasonable cause to believe that the information is inaccurate. 

My proof of evidence is the third party reporting agency XXXX. This reporting agency is being used by all three agencies XXXX, Equifax, and XXXX. They all confirmed that my consumer information is correct. But it a problem I am not a her. So all the information being given and shared has me as a her. I have provided the evidence.
Complaint sub-issue: No notice of investigation status/result

I have disputed the accuracy of XXXX XXXX XXXX XXXX XXXX,XXXX times ( investigation no's.XXXX,XXXX,XXXX ) .All XXXX times, equifax verified either knowingly or negligently, the incorrect information still reporting today.In the most recent investigation I was very specific about my dispute.I SAID '' THAT THE DOFD WAS INCORRECT, THAT THE DOFD COULD NOT BE THE SAME DATE THAT THE ACCOUNT WAS ASSIGNED TO THIS DEBT COLLECTOR '', IT MUST ACCORDING TO FCRA ANTEDATE THE DATE ASSIGNED IN ALL CASES. ( FCRA ATTACHED AND HIGHLIGHTED OR UNDERSCORED ) .IN MY CASE, THE REAL UNREPORTED DOFD ANTEDATES THE REPORTED DOFD BY APPROXIMATELY 1 YEAR.IN THE XXXX RESULTS OF INVESTIGATION THE DOFD AND DATE ASSIGNED ARE BOTH XX/XX/2012.I POSSESS OTHER EVIDENCE THAT THIS LENGTH OF TIME BEFORE ASSIGNATION IS THE PATTERN AND PRACTICE OF THE ORIGINAL CREDITOR XXXX.XXXX IS IN BUSINESS TODAY , IS REACHABLE FOR VERIFICATION AS I POSSESS A XXXX ACCT. TODAY.THIS act of EQUIFAX/XXXX XXXX XXXX is called re-ageing of the account, it is an illegal practice. 
THE FCRA PERTINENT TITLE IS ATTATCHED.BOTH THE CREDITOR AND EQUIFAX VIOLATE THE FCRA TODAY AND DAMAGE ME.
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

These are the items I demanding to be deleted immediately 1. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 4. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation 1 XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 6. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 7. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. Validate/inaccurate reported late payments XXXX Account Number : XXXX I had no late payments made on this account. I paid this account as agreed 8. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 9. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX XXXX  Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Complaint sub-issue: Debt is not yours

Hi XXXX  XXXX ; National Recovery Agency ; I'm really sad, confused and stressed, and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Complaint sub-issue: Trouble with how payments are handled

I entered XXXX XXXX military service XXXX XXXX, 2013. I am under the Public Service Loan Forgiveness Program. Fed Loan Servicing is claiming I have only made 21/120 required payments within this program. This is incorrect. I have me 32 qualifying payments since being in XXXX XXXX XXXX. Fed Loan continues to ignore multiple emails and inquiries into this miscalculation.
Complaint sub-issue: Application denied

Discover credit card offers consumers a way to see if they are pre-approved for a Discover credit card via Discover 's website. Discover allows consumers to check their pre-approval status once every XXXX days. Each and every time I seek pre-approval, I am denied because of " the number of recent inquiries. '' Despite a fair credit rating with a XXXX XXXX of XXXX, according to the credit data pulled on me by Discover on XXXX XXXX, 2022, I am still being denied because of " the number of recent inquiries. '' It is my belief that Discover is intentionally discriminating against me, and potentially other consumers, for seeking credit -- credit related to housing, automobiles, XXXX XXXX and any other form of credit. This is not only discriminatory but an unfair and deceptive lending practice by Discover ; Discover is knowingly and deliberately telling consumers that we need good credit to apply for and be pre-approved for their products, but we must not apply for any credit because applying for credit creates an inquiry, which according to Discover, too many inquiries is grounds for denial of credit. Such a model of lending and denial of credit is unfair and deceptive. How are consumers -- how am I -- supposed to obtain credit if I do not actively apply for credit and subsequently maintain credit? Discover is expecting the impossible of consumers with their unfair demands that we do not apply for credit. The numbers of inquiries on a credit report in no way reflects my ability to repay my credit obligations. In fact, I can not have any credit obligations unless I actually apply for credit which in turn requires a hard inquiry on my credit report from credit card companies such as Discover. Discover is engaging in unfair and unrealistic lending practices, especially when no human has even reviewed my pre-approval application for a Discover credit card. Furthermore, my XXXX XXXX alone, even without human intervention, demonstrates that I am creditworthy enough for Discover. It is unfair and impossible for lenders like Discover to expect good credit and then penalize us for applying for credit in order to maintain the good credit they require. Even after the online notification that Discover can not pre-approve me for a credit card, they still " invite '' and " encourage '' me to apply for their credit cards, which is also misleading and deceptive ; if they won't pre-approve me because of " too many recent inquiries, '' then they should not misleadingly and deceptively encourage me to apply for their products.
Complaint sub-issue: Received bad information about your loan

Potentially Predatory Activity By Student Loan Servicer AES : Servicer ( American Education Services ) without authorization, application, request, or inquiry, put current and performing loan into a one-month forbearance status. I in no way want, need, or desire a forbearance. I spoke with customer service and only inquired about the qualifications of my direct subsidized loan for a current forgiveness program. I did not provide any financial information nor make any representation about my finances. Several days later, I was notified that my loan status had changed to Forbearance. Once notified of the forbearance, I immediately contacted AES to inquire as to the reason for the forbearance and requested the removal of the forbearance from my loan. I was told the reason for the forbearance was that I had clicked a " Learn More '' link in an AES email about XXXX and government forgiveness. The link led to an AES informational page. I entered no data into the website, nor did I log in to the site. This explanation seems preposterous and, if true, deceptive and predatory. As you are aware, forbearance status can lead to increased interest payments over the life of the loan and be impactful to borrowers future financial prospects as well as disqualifying them from forgiveness plans. If the email link explanation is not true, the AES representative decided on his own to place my loan in forbearance, I believe, to disadvantage me with the very forgiveness program I was inquiring about. That would be equally deceitful, unfair, and predatory. Please be alert after you engage with AES customer service or electronic mail.
Complaint sub-issue: Account status incorrect

I am very upset that I have reached out to the credit reporting company I would say more than six times about this problem and they will say they updated report with validation. I am concerned of how this is validation and never proof of real validation and still seven times ago it is still reporting inaccurate information and lies on their report stating accurate information. I do know my rights and I do know that I have pointed out many times that you can not report inaccurate information and on top of it keep violating my rights and I am sick of it. You can not report a account is open but another one stating closed and state that you validated this and also report different dates and so many more inaccurate information that WASNT TRUE and was NEVER VAILDATED. So I am asking once again that this account to be REMOVED IMMEDIATELY AND STOP VIOLATION OF MY RIGHTS and delete this immediately.
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/XXXX I contacted PMAB for the second time to explain to them that the {$1600.00} charge is for a patient that I am not related to and do not know. This is an incorrect billing made by the medical facility. The file number provided by PMAB is XXXX XXXX XXXX XXXX XXXX. I explained to them that I had talked to the medical facility who recognized the mistake. 

I sent an email to dispute the claim per the telephone representative 's instructions. I have uploaded the copy of the email. 

The patient name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX at PMAB reiterated to me today - XX/XX/XXXX - the file name is XXXX XXXX XXXX XXXX XXXX and the date of the service is XX/XX/XXXX. 

The amount is for {$1600.00}. 

PMAB ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Debt is owed to XXXX XXXX XXXX XXXX I called PMAB again today XX/XX/XXXX to explain and they said this is still under dispute but they can not remove this from my credit until the medical facility does so. 

I contacted the medical facility as well and they said that they realized the problem and corrected it, as well as, already informed PMAB of the error. 

This is adversely affecting my credit and I need this corrected. 
I called this number ( XXXX ) XXXX again today - XX/XX/XXXX - and spoke to XXXX at the XXXX XXXX XXXX XXXX. She states that they corrected this and informed PMAB on XX/XX/XXXX. 

XXXX states that the patient apparently has a relative with the same first and last name as I do. This may have been the original source of misinformation. XXXX said that she is going to communicate this back to the person who sends collection files to PMAB. 

I am still sending this complaint because I feel that PMAB should have corrected this and investigated it thoroughly back in XXXX.
Complaint sub-issue: Sued where didn't live/sign for debt

XXXX XXXX XXXX has a lawsuit against me and is suing me for a delinquent credit card debt that I did not sign for. They have also been threatening me with harassing phone calls stating I 'm going to jail and have a felony, TOOK about 25 % of my wages ( XXXX out of {$1200.00} ) leaving me not enough money to pay my everyday living expenses which could cause me to lose my job. I just recently received the judgement from my job and the paperwork was sent to an invalid address where I no longer reside, so I did n't receive it or have any knowledge of it. I suffer from a XXXX and am presently undergoing treatment due to being a college graduate and unemployed and basically homeless for years. I have just been employed about a year and trying to get my life back paying student loans etc. This has severely affected my health condition and is threatening to my job and my life. I have nothing and own nothing. I do n't have the money to seek legal help. PLEASE HELP! They are known for practicing illegal debt collection tactics.
Complaint sub-issue: Account status

Hello, XXXX XXXX XXXX started a credit card XXXX XXXX 2005 the Card number was XXXX The balance on this was covered full by a payment of XXXX and funds in our Merchant Service Account. of XXXX. This would have covered the account in full. This account was then to be removed from our credit as agreed by XXXX XXXX at XXXX XXXX XXXX, phone XXXX We would like the account removed from the Tradeline so our credit is no longer effected. The account no loner effects XXXX XXXX XXXX and only effect XXXX XXXX XXXX as we will refuse to every do business with XXXX until resolved.
Complaint sub-issue: Trouble with how payments are being handled

My employer offered me tuition reimbursement and sent a {$5000.00} check to AES. This is after confirming with AES that this is allowed and we just need to write the account number. They have had the check for almost a month and still havent applied the payment. Customer service says theres no way to contact that department and each time I call I get a different answer. They keep asking me to take a picture of the check, and I am trying to explain THEY HAVE IT!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX - Account # XXXX has violated my rights 15 U.S.C. 1861 section 602 A. States I have the right to privacy. 

15 U.S.C. 1861 section 604 A Section 2 : 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

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any p
urpose.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX XXXX, and I have recently noticed on my credit reports that several attempts were made to obtain goods/services under my personal information without my consent. I do believe I am a victim of identity theft. I am requesting that the following information be reviewed and removed from my personal credit reports. The items I am requesting to be removed are included in this report and below in my personal statement : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with fraud alerts

GREETINGS FROM, XXXX XXXX XXXX YOURS : XXXXNEITHER EQUIFAX , XXXX, XXXX. 
# 1 EQUIFAX IN XX/XX/XXXX WANTED A COPY OF DL, XXXX EMPLOYER AND A POF PAPER REGARDING CASE # XXXX {$24000.00} PLAINTIFF XXXX XXXX XXXX. ON XX/XX/XXXX THIS WAS MADE AT THE XXXX COUNTY XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX. AND REGARDING ALL XXXX CREDIT REPORT COMPANIES, THEIR WAS A TIME WHEN XXXX XXXX CREDIT CARDS IN XXXX, XXXX, HELPED THEMSELVES TO REQUEST EQUIFAX XX/XX/XXXX, AND THANKS TO YOUR HELP, THE FTC SENT A LETTER TO THEIR OFFICE IN XXXX, XXXX AND THE CREDIT REPORT COMPANIES HAVE NOT REMOVED IT FROM MY CREDIT REPORTS, EQUIFAX , XXXX AND XXXX, THIS WAS A MATTER DUE TO SSID THEFT. NEITHER OF THE XXXX CREDIT REPORTS REMOVE WHAT THEY WERE TO REMOVE FROM MY CREDIT REPORTS. 
RESPECTFULLY, XXXX XXXX XXXX OFFICIAL SS NAMEHAPPY XXXX TO YOU!