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

By debt collection letter dated XX/XX/XXXX and annexed hereto as Exhibit " A '', Duane Morris LLP ( " Debt Collector DM '' ) by and through the latter 's employee / partner ( XXXX XXXX XXXX ) ( "  Debt Collector XXXX '' ), on behalf of XXXX XXXX   XXXX ( " Debt Collector XXXX '' ), refused to provide me with the monthly mortgage statement for XX/XX/XXXX by declaring, in relevant part, that : ( 1 ) I was not entitled said statement because I did not sign the note associated with said statement ; and ( 2 ) the  statement for XX/XX/XXXX was provided and is sufficient enough. 

Hence, the foregoing recital of the statements made by Debt Collector XXXX by and through Debt Collector DM and Debt Collector XXXX within the XX/XX/XXXX communication displays their blatant and willful violation of federal law under 12 CFR 1026.41 et  seq. wherein the latter requires that I receive a monthly mortgage statement and the foregoing offenders refuse to provide me with the statement for XX/XX/XXXX when I signed the security instrument associated with the transaction in dispute as a " co-borrower '' and wife of the late XXXX XXXX who was the sole obligor under a certain note dated XX/XX/XXXX. 

Additionally, as displayed within the foregoing communication from Debt Collector XXXX by and through Debt Collector DM and Debt Collector XXXX, the latter falsely stated that I defaulted upon the subject transaction as of XXXX XXXX when, at all relevant times : ( XXXX ) said statement contradicts the XX/XX/XXXX date of default declared under penalty of perjury by Debt Collector XXXX 's predecessor XXXX XXXX XXXX XXXX ( " XXXX '' ) to the Superior Court of New Jersey by way of foreclosure debt collection complaint filed on  XX/XX/XXXX ( the same day my husband died ) under Docket No. : XXXX ( See Exhibit " B '' ) ; and ( ii ) is both false and deceptive because you are continuing to omit and conceal ten ( 10 ) checks totaling  {$15000.00} that were paid to and cashed by XXXX for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ( See Exhibit " C '' ), without Debt Collector XXXX predecessor XXXX crediting said payments to the subject account. ; and ( 2 ) Debt Collector XXXX, Debt Collector DM and Debt Collector XXXX continue to omit and conceal three ( 3 ) checks totaling {$5100.00} that were paid for XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ( See Exhibit " D '' ) and returned by Debt Collector XXXX predecessor XXXX without any legitimate reasons or explanation. 

Additionally, Debt Collector XXXX by and through Debt Collector DM and Debt Collector XXXX continue to ignore my response to produce payments made for XX/XX/XXXX through XX/XX/XXXX prior to the falsely declared XX/XX/XXXX date of default set forth within their XX/XX/XXXX communication enclosed hereto as Exhibit " A ''.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

They have called and threaten to seize my accounts, to come to my work and home if i do n't pay the account by  XXXX   XXXX  today. I 've asked them not to call as well as told them this has already been paid, in  XXXX . They refuse to give me the name of their company and when I look it up it is a cell phone they are calling from. Last contact was today  XXXX / XXXX / XXXX  around  XXXX .
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX I received my credit report from XXXX, XXXX, and Equifax. I realized that there were hard inquiries on my credit fire that were not authorized by myself. These hard inquiries are negatively affecting my credit score and ability to get other sources of credit. Below is a list of the unauthorized hard inquiries on my credit file : 1. XXXX XXXX - XXXX XXXX, XXXX 2. XXXX XXXX XXXX   XXXX - XXXX XXXX, XXXX 3. XXXX XXXX - XXXX XXXX, XXXX 4. XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX 5. XXXX XXXX XXXX - XXXX XXXX, XXXX 6. XXXX XXXX XXXX - XXXX XXXX, XXXX 7. XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX XXXX - XX/XX/XXXX 9. XXXX XXXX - XX/XX/XXXX 10. XXXX XXXX - XX/XX/XXXX 11.  XXXX XXXX XXXX - XX/XX/XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

DEAR MANAGER/XXXX! How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified Hows it possible that youve reported me 90 days late with no late payments prior to that? Also, wasn't XXXX  student loan servicer was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed.
Complaint sub-issue: Old information reappears or never goes away

I can't find the contact for XXXX/credit bureau. 

On XX/XX/2019 I had disputed XXXX XXXX XXXX for {$1700.00} ( and {$700.00} still waiting ) that was incorrectly on my account for years bringing my score down. Through XXXX, I disputed it and on XX/XX/XXXX the item was removed from my credit report. 
BUT the years of damage that the error caused on my score still remains. They had no right to put it on my account in the first place, and my score should have jumped at least 100 points to make up for the error that was put on my account.
Complaint sub-issue: Personal information incorrect

I FOUND ON MY CREDIT REPORT NUMEROUS INACCURATE INFORMATION THTA LEGALLY SHOULD BE REMOVED FROM MY CREDIT REPORT
Complaint sub-issue: Their investigation did not fix an error on your report

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Complaint sub-issue: Account information incorrect

Equifax is reporting an original creditor account XXXX XXXX with account number xxxxxxxxxxxx XXXX on my report that was charged off and sold to a collection agency. I settled the debt with the collection agency in full. The original creditor already charged off the account on their taxes and made money off selling the debt to the collection agency I paid, but they are still reporting it on my credit report, which brings down my score and affect my credit. I have already cleared up the debt and Equifax is still allowing the original creditor to report the debt which violates my Fair Credit Reporting rights.
Complaint sub-issue: Information belongs to someone else

Dispute was filed with XXXX  and XXXX  online XX/XX/2020 for accounts that DO NOT BELONG to me on my credit reports. I have also sent information to prove who I am by mail to XXXX, XXXX  and XXXX  and dispute these accounts. I have contacted the lenders of origin and collection companies in attempt to have erroneous accounts removed from my credit report. XXXX Customer Service Executive from NY has submitted paperwork for two accounts to be removed from credit reports for total of approximately {$1000.00}. Yesterday received letters from XXXX XXXX stating that these accounts were verified in dispute and belong to me. I called them and my social security number does not match the one on the accounts. I am not even a XXXX consumer. They were unable to resolve. Call to and certified letter sent to XXXX XXXX and they have yet to respond to dispute of approximately {$17000.00} written off and collection of approximately $ XXXX XXXX  XXXX in collection by XXXX {$100.00} has not responded. IC systems collections {$1000.00} continues to show on reporting. I am attempting to have a VA Mortgage loan processed and these accounts are causing me financial damage and the VA is unable to complete the loan until the items in dispute are removed. I have all documents to prove who I am, where I have lived for the past 36 years, my social security number, etc. The remainder of my report shows excellent credit with an exceptional payment history on MY accounts. These credit bureaus have about 20 addresses listed- two of which are accurate and 14 phone numbers-two accurate. How quickly these credit bureaus and credit reporters can enter wrongful information and slowly do they work to clean up their mess. It is a vicious undertaking to personally attempt to correct the errors of, collection agencies and credit reporting. There should be a dual entry of information into these systems. One person enter and another have to enter to make sure that all information matches.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

I received a call and voice mail on XXXX18 at XXXX XXXX  pts from a women who told me she had my file and I needed to respond before her law firm filed a lawsuit against me and garnish my wages. Her name was XXXX phone number XXXX. I called and she told me over the phone that she is a law firm that was collecting a debt from XXXX XXXX XXXX for {$130.00}. And if I didnt make payments to pay her law firm would file to garnish my wages in XXXX XXXX court. Then stated I would have to pay {$900.00} for attorney fees. That I defrauded XXXX XXXX XXXX. 
I stated this is a debt collector she is not a law firm and is violating the fair debt collection act by pretending to be a law firm. I asked for her business information she hung up and her and a male coworker proceeded to play on the phone telling me Im stupid and Im bored.
Complaint sub-issue: Didn't receive notice of right to dispute

ON XX/XX/2020 ; I paid {$580.00} to EOS CCA ( Collection agency ) and  they told me I would receive a written receipt in 3-5 days. As of XX/XX/2020 : I still have not received that receipt for my payment. These collection agencies are quick to take your money but have excuses for why they can't send a receipt at the same time of the payment ; and then you don't get the documentation you requested.
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 XXXX. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : Chapter XXXX Bankruptcy Case Number : XXXX Remove this Bankruptcy from my Public record Chapter XXXX Bankruptcy Case Number : XXXX Remove this Bankruptcy from my Public record
Complaint sub-issue: Account information incorrect

In accordance with the Fair Credit Reporting Act my rights have been violated. 15 U.S.C 1681 section 602 a. States I have the right to privacy. All three reporting agenicies have a different credit card utilization for all my cards and loan balances?? all my cards have been well below 10 % utilization yet my fico and all 3 Bureau scores do not reflect that?? XXXX XXXX and XXXX has been horrible with my inaccuracies and it is affecting my credit score and my ability to buy a home with better rates! 

XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

there are 6 hospital collections reporting on my equifax credit bureaus only, inaccurately and these are inaccurate and not mine, i have been disputing and disputing with equifax, but they have been very much stubborn and not helpful, i ma tired of this disputes and not getting help. i have googled and found out that you would be able to help me, i am writing a complaint on equifax consumer reporting agency, since not only they are reporting many inaccurate and fraud account under my reports, also they are not helpful and so much made my life stopped and stressful. 
please find attached the FTC report on file.
Complaint sub-issue: Account status incorrect

i paid my lease in full and Ally Financial is reporting a voluntary repossession on my credit. this has damaged my credit score.
Complaint sub-issue: Personal information incorrect

Equifax is reporting an old address on my credit report that has n't been mine in almost 10 years. Usually I would n't mind but, it just appeared out of the blue in a address update they just recently did. I 'm thinking it might be identify theft, with all the credit info being stolen. My address is in XXXX for years now. As a matter of fact when I left XXXX I broke the lease, and I named the XXXX ( the name of the community on my Bankruptcy ) I do n't know why now it would surface and from where?
Complaint sub-issue: Was not notified of investigation status or results

After sending information to verify myself with my disputes ( XX/XX/2019 ) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA, it has been more than 30-days.
Complaint sub-issue: Information belongs to someone else

I have several accounts appearing on my credit report that are fraudulent. I filed a police report and reported these account to the FTC. I also reached out to Equifax directly to dispute these accounts. I provided them with my police report and identity theft report. I received an email from Equifax stating that my dispute has been completed, however nothing has changed. 

I called them last week and was told by a representative that the accounts are still under investigation, however their website says that the dispute has been completed. 

1.XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX All these accounts are fraudulent, I have attached my police report and identity theft report.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I have received repeated calls over the course of six months from Great Lakes on behalf of my student loans, even after I have requested them to cease and desist. They are violating theTCPA and it is interfering with my mental health. 

I want the collection calls to STOP, and i want to set up a p
Complaint sub-issue: Account status incorrect

Equifax and XXXX should not be reporting that I am ( XXXX ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
Complaint sub-issue: Debt resulted from identity theft

I 've checked credit report and noticed I few things I was n't aware of I 've tried to dispute the items but there still there
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  XXXX which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted Equifax for they show a XXXX XXXX XXXX account charged against me and it is not mine. And they investigate and then put it back. It is not me. Never dealt with XXXX XXXX XXXX and have never been to XXXX, Missouri
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX wasted the effort by just accepting collection companies word I owe the debt. No one has ever documented and proven that I owe these collections that XXXX has posted to my report. They have allowed XXXXXXXX XXXX to post five amounts to the same creditor, same account in collection, as 5 collections. Thus, grossly over stating my indebtedness in collections. 
Just because a collection company says you owe money dos not make it so. 
What did they expect them to do, of course they " self verified '' I owe the money.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX - INQUIRY DATE - XX/XX/2022 - CALLED, NOT SURE WHY THIS IS HERE. 

XXXX - INQUIRY DATE - XX/XX/2022 - XXXX DONT KNOW WHAT THIS IS, DIDNT DO XXXX  - INQUIRY DATE - XX/XX/2022 - XXXX DONT KNOW WHAT THIS IS, DIDNT DO XXXX XXXX  INQUIRY DATE - XX/XX/XXXX, XXXX I DONT KNOW WHAT THIS IS, DIDNT DO
Complaint sub-issue: Problem with fees

The Credit Card Company billed on XX/XX/XXXX a {$450.00} Membership Fee for the Periods of XX/XX/XXXX - XX/XX/XXXX ( 12 Months ). 

The Credit Card Account was cancelled on XX/XX/XXXX since The Customer was not satisfied with the Level of Service offered by The Credit Card after the Customer was a Good Customer since XXXX ( 17 years ). 

As of the date of Cancellation of the Credit Card Account only 5 of the 12 months of The Benefits offered by The Membership Fee had accrued. The Customer is seeking a reimbursement for the 7 months of Membership Dues which were not used since the benefits paid are no longer available to The Customer. 

The Customer is demanding a Re-Fund of the 7 months of Benfits that were not used ( XX/XX/XXXX - XX/XX/XXXX ) which accrues at {$37.00} per month for a total credit due of {$260.00} for the remaining 7 months. 

The Credit Card company does not want to issue this reimbursement and want to keep 7 months of unused benefits to their benefit.
Complaint sub-issue: Information belongs to someone else

I am so tired knowing that my concern was not attended by XXXX!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX, XXXX XXXX
Complaint sub-issue: Can't use card to make purchases

I tried to use my Citibank Prestige Card to make a purchase of a firearm at my local gun shop ; a place I have made several purchases with this card over the last 10 years. For some reason the Citi Bank Card continued to be denied. I have a {$35000.00} credit limit of which a balance of {$500.00} was on the card. I called Citibank and they said they see know problem with my card and it should be working properly. So once again I try to run the card and it is denied. So sick of dealing with it and to confirm the stores merchant equipment was not malfunctioning I used my American Express for the purchase and it promptly went through and was approved. On way home I stopped to get fuel in my car. Just to test I use the Citi Bank Card that was being denied at the gun shop and to my surprise the card promptly went through with no issues at the Gas Station. I cant help to wonder that my attempted purchase of a firearm at a gun store with my Citi Card and subsequent denial, is in not some way related to two recent releases from XXXX  XXXX XXXX and Citi Bank saying they may choose not to do business with manufactures or retail stores that sell firearms. Obviously a direct infringement on my 2A right, as well as trying to prevent me from engaging in a transaction that is completely legal on both sides of transactions. This to me seems way to much of a coincidence, and merits an investigation. XXXX walls are thin at banks and now I maybe tracked ( which in itself seems to fall in a very grey area of the law ) as a gun owner by the bank ( a bank that has took it upon itself to set social policy and discriminate against law abiding firearms owners ) which may effect any credit I may apply for in the future ie mortgage, auto loan, etc. Scarier so is there ability to share/leak my personal info to other like minded financial institutions and businesses. Essentially cutting off my ability to buy and sell goods in the free market all because I have been labeled a gun owner ; something that is not only legal but is an inalienable right as a citizen of the United States. I think these matters need to be looked into and scrutinized very harshly, along with the thousands of others that will be reporting a complaint similar in nature by both merchants and customers. The CFPB must as a government agency funded by the people to protect the people from unfair and abusive business practices like I have experienced. Must move quickly and harshly to stamp out this type of political discrimination against the citizens of this country, before it has a chance to take a foothold making it that much harder to backtrack these discriminatory practices.
Complaint sub-issue: Public record

On XXXX XXXX, 2015, I disputed XXXX judgements on my credit file with Equifax , case numbers XXXX, XXXX and XXXX, all XXXX judgements came back as verified by the XXXX County Court. I have proof from the court system that there is no reocred judgement for XXXX and XXXX, I have tried on numerous disputes to have these removed from my report as they are not recored judgements and are not mine, each time they come back as verified. I am not sure who I need to contact to start legal procedings for these errors that are being falsely placed on my Equifax report. Furthermore Equifax makes it impossible to go back a view your documents as they are not avilable online you can not print them nor can you view them. I have proof but I am unable to attach the doucments is there anyay that I can make copies and mail?
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. This collection is paid off and I should not owe any balance on this. This should be deleted off of my account, I have already paid it.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

on XX/XX/2021 I over paid my credit card bill in the about of {$2600.00} I borrowed this moeny from another credit card that offered me a XXXX percent interest loan for a year to get ahead of my hi interest credit cards in which citi cards from Cita Bank was XXXX of them ive been trying to get this amount I over paid in the amount of {$2600.00} refunded for over a month now every time I call Im told that within 2 days I will receive the money refunded to my checking account they hjave on file for me however this never has happened for the past 5 weeks I need help in getting my money back from these people at citibank my bills depend on getting tis money refunded please help