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

It was not made aware to me that the original amount changed in half a XXXX and {$15.00} was written off and the amount that was left was {$1700.00} and I made a payment that went to the original amount of {$4000.00} and they are trying to have me pay the whole amount instead of the {$1700.00} to remove this from my credit report and delete the account.
Complaint sub-issue: Attempted to collect wrong amount

Debt firm purchased medical debt for XXXX on the dollar, got a judgment, let the account sit dormant until about a year and a half near end of the 10 year statute for a judgment, are trying to garnish my wages. 
I called the firm and asked if I could settle it for a lump sum and they refused, stating they are n't allowed to settle medical debt. I asked why she said, " We do n't write the law so I dont know '' I called the Collection firm who placed it with the Attorney and they also refused to settle, stating they wanted every XXXX from me. All of this and I find out the hospital wrote the debt off -- {$2000.00} so I 'm assuming the firm paid maybe {$500.00}, and are now forcing me to pay {$5000.00} to them through garnishment without consideration of a lump sump payment of a lesser amount. Where is the CFPB when you need them???
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed several items on my Equifax credit report and they continue to state that the items on my credit report have been verified, yet, have failed to provide me with physical verification of such as it is required by the FCRA Section 609 ( a ) ( 1 ) ( A ). 

Dispute dates : XX/XX/2021 XX/XX/2021 XX/XX/2021 These are the items that appear on my credit report. 
XXXX XXXX XXXX - No Account # provided- {$60.00} XXXX XXXX XXXX - No Account # provided- {$60.00} XXXX XXXX XXXXS - No Account # provided- {$360.00} XXXX XXXX XXXX XXXX - No Account # provided- {$150.00} XXXX XXXX XXXX, XXXX - No Account # provided- {$60.00} XXXX XXXX XXXX XXXX - No Account # provided- {$83.00}
Complaint sub-issue: Debt is not yours

XXXXan email came to me demanding I pay {$3900.00} and this is absurd. I do not owe this and I've been working on my credit for 5 years and this is not mine nor do I owe this to anybody.
Complaint sub-issue: Application denied

repeatedly illegally denied credit. its always one of the following : 1-using resold data to claim score isnt clean, 2- nothing can be verified ( there was a nexis purge- that over purged data 12mos ago-they will not put in current info ), 3- denial based in regards to other matters never mentioned. 

3x now I have been denied credit or a bank account. My ID has been stolen, my mail stolen over 12 from a residence in XXXX, tn a year ago. My " landlord '' was stealing my mail and misdirecting it. Credit bureaus have refused to fix my reports since, claiming I lived where I have never lived. I can not prove address Ive never lived at. You cant prove a negative. 

As such my credit files DO NOT accurately reflect - 1- payment history, 2-address and other info about me -- which in this case is being used to deny accounts. I have asked XXXX under federal statutes to fix this mess- they are acting like a TS SCIF investigation office at OPM- demanding 5+ years of info from me -- instead of purging 5+ years of information from thier ILLEGALLY COLLECTED DATABASE. 

I demand all companies and bureaus and those holding any credit files to purge all data collected. This data is NOT appearing in the 3 main bureaus for good reason. Any other source is being used as extortion to force payment when there is no legal recourse or reason for the consumer to do so, given they will continue to be extorted. 

citi repeatedly uses old data resold to them each time an inquiry is made. They never request updated info. 

XXXX XXXX  has gone so far out of thier way to ruin me- they claim im a bad banking customer in so many words. I have had XXXX balance with them over 8 years- my disputes were due to VISA network compatibility overseas. All debts were counterclaimed and prviously resolved- yet- they insist that I bank badly and owe them money. I DO NOT.
Complaint sub-issue: Billing dispute for services

According to the CARES ACT ... .. an accomodation includes " ANY '' payment assistance or relief granted to a consumer affected by the pandemic ... .my account was in good standing and current as agreed until XX/XX/2021... XXXXA late payment shows in XX/XX/2021... I am asking for relief and consideration for this payment to be reported and updated according to the accomodation of MILESTONE granting and waving a late fee during this time which constitutes an accomodation which qualifies under the CARES ACT. 
Acct # XXXXXXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

On XX/XX/2018 I received notification from Equifax credit bureau of a collection item being placed on my credit report. The collection item was from XXXX XXXX XXXX for XXXX being represented by XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I never received a notice from XXXX XXXX XXXX about this debt, and was not given 30 notice to dispute the validity of it. 

The information has not been verified, thus inaccurate, erroneous, non-verifiable when I called the collection agency, but it is being report on report. Equifax is reporting this inaccurate information on the status, account, date open and closed, amount, payment history etc.
Complaint sub-issue: Account status incorrect

Regarding account : XXXX XXXX XXXX account number XXXX***. I no longer have a contract with this company. This account is closed and was sold to a collection agency, then written off on the creditors taxes which voids my responsibility to pay further.
If it will be determined that I do have a contract with such creditor, I am requesting under FCRA 611 ( a ) ( 5 ) ( B ), which state it is my right as a consumer to ask for a copy of all information obtain by the reporting agency that warranted the placement of this account to be legal, documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed on the report, that justifies the reporting of this account after it has been closed, paid and sold to a 3rd party collector.
Complaint sub-issue: Information belongs to someone else

XXXX DATE:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  Dispute Department XXXX XXXX XXXX  XXXX, Texas XXXX XXXX XXXX Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX . I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman XXXX XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you. XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX
Complaint sub-issue: Keep getting calls about my loan

MOHELA - Cash Loan : I am a cosigner. My daughter made a payment at 22 days past the due date on XXXX/XXXX/2016 via phone. I received a call at XXXX Central time today from MOHELA attempting to collect this debt. They did acknowledge that the payment was made on XXXX XXXX and that they could " see the payment in their system ''. However, they could not " verify '' that the payment was made which resulted in the phone call. I asked that they log my concerns regarding this call as a complaint. Loan was for my Daughters education at XXXX XXXX University , XXXX XXXX MO.
Complaint sub-issue: Billing problem

I have had a used vehicle loan with Ally Financial for a little over 3 years. The terms of my loan state that any amount that I wish to pay, over the minimum payment, will only apply directly to the principal if it's requested in writing. 
Since my very first payment, I've sent additional funds every month, clearly marked " apply excess to principal. ". 

I realized several months ago that they weren't applying the excess that way, and reached out to Ally. First I was told that I must " request it in writing '' to have excess applied that way, rather than the next payment. 

When I explained that it was marked that way, I eventually spoke to a " Supervisor '' who explained to me that it was their policy, not the loan terms, that allowed the application of additional funds, but they apologized and applied the current payment, at that time, to adjust the principal owed. 

However, all payments should have been re- amortized, as each and every " extra '' principal amount would have a domino affect on the percentage of the NEXT payment that should apply to the principle. 

Then it happened again - and I spoke to them about it again, via email. And it stopped for a little while. I sent 2 payments that were applied correctly, and it now appears that they've gone back to their " old tricks '', but even worse. 

I recently started sending them completely separate checks, marked " apply to principle only '' for a much larger amount, in addition to my overpayment of the scheduled loan. They are taking interest out of these separate payments, as well as not applying the additional payments correctly? They're essentially " double dipping '' monthly interest payments rather than applying the amount to principal. 

This is clearly a " predatory '' and intentional misunderstanding of their own policies ; that amounts to an undisclosed prepayment penalty on the loan.
Complaint sub-issue: Attempted to collect wrong amount

I was issued an writ garnishment that indicated the wrong principal amount. Per the documents I have received from Wise dated XXXX/XXXX/2015 stated I owe XXXX, from a sale of the collateral that i voluntarily surrender. According to the paperwork I had an initial balance of XXXX they sold the vehicle for a XXXX, I was charged XXXX for storage in which the vehicle sat in a public strip mall up until the sale date. I do n't feel that is a legitimate charge. I then received a wage deduction notice stating the principle balance is XXXX. This appears to be fraud to get more money than owed. not to mention
Complaint sub-issue: Account information incorrect

I had called by Finance company to ask for an extension on my vehicle payment they had stated that they had summited my request then I get an email from XXXX XXXX  that my score when down based on a report form my finance company Ally I then called Ally and asked what happen they said it was a mistake in there end but unfortuanlly the report already had gone out and there was nothing that they can do but grant me another extension I need this late payment to be removed from my credit report since it was not be fault I only have 3 payments left on my vehicle I was not expecting this to happen when i only have 3 payments left I had requested this because I had a family member passing away and was not sure if I would have been able to cover funeral services and my vehicle payment and now am stuck with a bad note on my credit report I would like to start in investigation please or something but I would like this removed from my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My personal information was stolen in 2020, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXXXXXX XXXX  : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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-Equifax 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX-Equifax 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 XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 hand written instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency 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 the file if no documentary evidence is found in accordance with FCRA, before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Complaint sub-issue: Used obscene/profane/abusive language

Hunter warfield debt collection agency has continued to call me to collect a debt from an apartment I used to live in. When I have asked for written documentation to see a breakdown of my charges, the man on the phone became very nasty and told me that a payment had already been made on the account and that it was because of carpet being replaced when I moved out, I told him I still wanted it on paper to see the actual charges for myself he talked over me and very snidely told me " they would send it " and then proceeded to hang up on me without another word. When I have offered to pay them in the past for what I could when I could they outright refused saying the debt must be paid in full or in XXXX payments which I am not able to do, I was told " that was my problem and that I better figure out how to get the debt paid. ''
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national  banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Complaint sub-issue: Didn't receive advertised or promotional terms

Hello, XXXX XXXX has confiscated the miles I earned from credit card sign up offers from Citi Bank. I received signup offers from CitiBank as part of the offer for opening new credit cards with Citi. All of the signup offers were deposited into my XXXX XXXX account XXXX. I had opened XXXX XXXX Credit Cards with Citi Bank between XX/XX/XXXX - XX/XX/XXXX and received a signup bonus as part of the card bonus offer. 

The applications for my XXXX XXXX Credit Card with Citi did not have any 48month restriction for bonus. Attached is a screenshot of the application page which does not mention any 48month restrictions. As you can see my applications do not have any 48month restrictions. 

XXXX XXXX claims that I have circumvented " the Citibank/AAdvantage card enrollment bonus eligibility restrictions, particularly that bonus miles are not available if you have received a new account bonus in the past 48 months. These restrictions are outlined in the Citi/AAdvantage card promotional bonus offer terms and conditions, as well as at the top of each application page '' Attached is the response I received from XXXX XXXX to my DoT Complaint.
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/2019 I was routed to an employee with Equifax by the name of XXXX employee ID XXXX. When I attempted to find out why my credit score went from XXXX to XXXX, because the notification stated that the " consumer disputed the account '' which I knew this was not true he advised me that in order for me to obtain that information. I would have to pay {$15.00} to receive my credit score verbally or to have the remarks read to me that were left on my credit file. 

I immediately stated that I would like to speak to a representative in the United States. Every time I call Equifax I am routed to an International representative. XXXX employee ID XXXX routed me back to the United States in order for me to get the information that was requested, but upon obtaining that information. I found that the remarks were reported incorrectly neither I or my credit card provider had reported that I was disputing the entire account. 

When I contacted XXXX  I couldn't even get anyone on the phone they have an automated systems that refuses to put you into contact with any live representative. 

Regarding XXXX XXXX. I would like to know why they are changing accounts numbers on accounts that if ever need to be referenced would no longer exist under the same account number?
Complaint sub-issue: Reinserted previously deleted info

After my discharged bankruptcy a open collection from XXXX XXXX was showing on my credit report that was included in my bankruptcy. I notified both XXXX and Equifax and filed disputes. XXXX quickly removed this from my report. Equifax after the dispute it was still showing as an open account. I filed a second dispute at that point it was removed. I checked my credit report just recently and it is back on my credit as an open collection. I contacted XXXX XXXX they told me they have not added it back to my credit. I am so frustrated, I 've worked very hard to regain my credit. It 's either Equifax or XXXX XXXX, I no longer owe this and want it removed from my credit report for good! I had no problem with XXXX they took care of this right away. I would love to sue whoever is responsible for all the aggravation and they have made my credit drop XXXX from XXXX to XXXX. Please help me get this taken care of once and for all! Thank you!
Complaint sub-issue: Account information incorrect

Every time Equifax sees new information they dock my credit score 4-28 points. Today they said one of my accounts increased by XXXX and docked me 4 points. That XXXX was XXXX XXXX yearly fee and I paid it the minute I saw it. I have taken a picture to prove it. Those 4 points can keep me from buying a home. They never check into anything they just assume. Its ridiculous and something needs to be done about it.
Complaint sub-issue: Transaction was not authorized

I need to be able to use the XXXX XXXX to be able to avoid getting XXXX  overdraft fees that are literally fees of me being dead broke so please allow earning to be an authorized partner with Pnc