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

Received a call from CKS Financial this morning at XXXX XXXX from phone number XXXX. They were trying to collect a debt which was paid in full to Client Services on XX/XX/2023. After staying the debt was paid in full I the agent continued to ask me personal questions. I asked why she needed this info since the debt was paid and I would forward an email confirmation to her. She stated that collection efforts would continue until they got the payment. I told her they are not allowed to contact me again and if they do, I will sue them for the maximum amount I can recover. I was them given their email address to forward the conf to : XXXX. 
I believe the time of the call is outside of the allowable times for collection calls and also believe I was threatened with further legal action over a debt which has been paid. Client Services, XXXX, reference number XXXX had been previously handling the account and that's who I made the payment to. 
Thank you.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX acct XXXX, XXXX  acct XXXX 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 an open end consumer credit plan as late for purpose.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Thank you for taking the time to review the complaint. After the reviewing of all major credit reports, XXXX  furnished an unfamiliar debt on credit profile. Understanding creditors are obligated to report paid and unpaid debt, however ; never established residency at XXXX XXXX XXXX. Requesting a full method of verification, which is under FCRA 623, will include the following ; signature of the lease agreement, unpaid amount, and how it was generated. Copies of identification along with social security number.
Complaint sub-issue: Trouble with how payments are being handled

Please see attached letter and statements for greater detail. In Summary : FedLoan Servicing failed to give me PSLF credit for qualifying payments made XXXX through XX/XX/2019, claiming I underpaid the XX/XX/2019 payment. 

However, the XX/XX/2019, statement showed the Current Payment Due as {$0.00}, the Total Due by XX/XX/2019 as {$0.00}, stating You previously made payments in excess of the amount that was due. Therefore, you currently do not have a payment due this month ( meaning XX/XX/2019 ). Your next payment is due on XX/XX/2019 for {$1100.00} { explanation added }. 

On XX/XX/2019, I made a payment in the amount of {$1100.00}, the amount which the XX/XX/2019, statement showed as being due. This payment was made within the fifteen ( 15 ) day window of the due date ( XX/XX/XXXX ) allowed for payments to qualify under the PSLF program. Therefore, this payment qualified as a qualifying payment under PSLF criteria. 

As further evidence that I did not underpay the XX/XX/2019 payment, none of the statements generated after that showed any past due amount. In fact, the XX/XX/2019, statement, which reflects the {$1100.00} payment made on that date, states : You previously made payments in excess of the amount that was due. Therefore, you currently have a reduced payment due this month. However, even though you currently do not have a payment due, we will still automatically extract your regular scheduled monthly payment and any additional amount you have requested. 

So, not only did fully pay the amount due in XX/XX/2019, I continued to OVERPAY this account. 

In addition to failing to give me credit for the XX/XX/2019 payment, FedLoan thereafter failed to give me credit for payments made in XXXX, XXXX, XXXX and XX/XX/2019, claiming that I had underpaid the XXXX payment which was incorrect. 

This is an ongoing problem with this loan servicer they continually attempt to deny credit for qualifying payments under PSLF.
Complaint sub-issue: Was not notified of investigation status or results

This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX. XXXX Account Number : XXXX 90 days in XXXX XXXX 120 days in XX/XX/XXXX, XXXX XXXX 150 days in XXXX XXXX, 90 days in XXXX XXXX, 120 days late in XX/XX/XXXX, XXXX XXXX, 150 days in XXXX XXXX 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX. XXXX  Account Number : XXXX days in XXXX XXXX  120 days in XX/XX/XXXX, XXXX XXXX 150 days in XXXX XXXX 90 days in XXXX XXXX 120 days late in XX/XX/XXXX, XXXX XXXX, 150 days in XXXX XXXX, 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 


I, therefore submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. Hoping that I could get some favorable news after this investigation.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX I received a credit report alert from XXXX that my mortgage acct was 120 days past due. I called loancare in regards to this and was informed that the 120 day was reporting for XX/XX/XXXX. I don't understand how that can be being that I was in an active forbearance during that time and I am still in an active ch. XXXX and was informed no negative information would be reported. I need some to correct this expeditiously because this will stop me from qualifying for my new home. My loan number was XXXX.
Complaint sub-issue: Problem getting your free annual credit report

Called Equifax @ XXXX but their operators do not pick up. Was required to give a ton of information to " verify '' my identity, only to have the call go straight to their survey ... TWICE
Complaint sub-issue: Information belongs to someone else

Please see attached documents as it contains my complaint and identification.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$890.00}, {$0.00}, {$8500.00}, {$430.00}, {$390.00}, {$740.00}, {$3500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$740.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account.
Complaint sub-issue: Reporting company used your report improperly

I Sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the account I have listed below. Also I have attached the letter I sent out and here is the tracking # XXXX According to the FRCA The term " investigative Consumer Report '' means a consumer report or portion there of in witch information on a consumer 's character, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are not reporting 100 % accurate. And according to the FRCA XXXX XXXX XXXX everything has to be 100 % accurate. 

Accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Complaint sub-issue: Problem with product or service terms changing

discover card wo n't dissolve new card account. I closed account and received new card and did not authorize it and it is getting used by someone. 'I did not want it used. I ca n't make them understand to not use this account. 
I 'm also having problems with my other c/cards. My fraud people will go and change my passwords or pretend to be me and authorize my changes when I want to place a hold or try to cancel. 
There has to be a better system in place to keep my accounts safe when someone finds your ss #. I need help.
Complaint sub-issue: Their investigation did not fix an error on your report

This complaint is a follow up complaint to LexisNexis and the egregious inaccurate information they are reporting on my credit report. They are continuing to report an inaccurate bankruptcy on my credit report, an account they have continuously verified as 100 percent accurate and complete. Most recently, on XX/XX/2021, LexisNexis has just certified and verified the information they are reporting is accurate and true. I disputed this information again via certified mail by USPS on XX/XX/2021. LexisNexis received this dispute on XX/XX/2021. I called today to inquire as to why they have not responded to my demand to delete the inaccurate bankruptcy, and they stated they did not receive the dispute. Even though USPS tracking has them in receipt of the dispute on XX/XX/2021, they claim to have no knowledge of the dispute. LexisNexis reported bankruptcy includes upwards of 4 different errors and inaccuracies. If I dispute these inaccuracies and LexisNexis verifies they are 100 percent accurate and complete, by law, per the FCRA they are required to DELETE the entry. This outcome is required with only 1 inaccuracy. LexisNexis bankruptcy reporting includes 4 inaccuracies. 

I spoke to XXXX today from LexisNexis
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a dispute with Equifax about 2 collections on my credit file which are showing open and without a creditor 's name on the item, only numbers. The agent told me that it was showing closed on their end but a dispute would be submitted. I received an email notification for results completion on XX/XX/XXXX, but it doesnt provide a means to display the results for confirmation XXXX. I have previously been told I must have been accessing the old system. I refreshed my Equifax credit report today, but no changes have been made. I have been adversely affected by the improper reporting.
Complaint sub-issue: Account status

XXXX credit ... a debt collector ... has filed without following guidelines of fcra
Complaint sub-issue: Their investigation did not fix an error on your report

I identified an apartment rented in my name in late XXXX, Early XX/XX/XXXX. I notified all three Credit Bureaus of identity theft. I previously had a police report on file, but had already updated it to include other accounts opened in my name. I'd been fighting this since XXXX. Equifax has refused to remove the items from my report. Now a collection agency is contacting me regarding items that should have been blocked from my report and the Apartment is still showing on my report. Please remove and block these negative items from my report. In addition, I'm now finding incorrect addresses and name variations on my report. My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX and have done so for 3 years. 
Ss # XXXX XXXX XXXX Thank you for you prompt attention to this matter. 

XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

Sent Equifax disputes of inaccurate and incomplete information asking them how they verified the information on my credit report on XX/XX/XXXX and got no response. I then sent another letter on XX/XX/XXXX notifying them of non-compliance of the law that requires them to respond within 30-45 days and asked them to delete the innacuarte and incomplete information based on non-compliance and did not get a response again. I pulled my credit report and the inaccurate and incomplete accounts are still reporting. I then called Equifax and they claim they never received the dispute letters after they confirmed I had the address correct. It seems Equifax is refusing to investigate and can claim they never received the letters to get around the law. Equifax has a complete disregard for my consumer rights and is blatantly breaking the law.
Complaint sub-issue: Account information incorrect

Equifiax will not up date my account XXXX XXXX account to paid and XXXX balance. I paid This account off.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Fraudulent loan

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX {$70.00}, XXXX XXXX XXXX  {$230.00}XXXX XXXX XXXX XXXX  {$1000.00}, XXXX XXXX XXXX  {$190.00}, XXXX XXXX XXXX {$120.00}, XXXX XXXX {$2900.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Information belongs to someone else

There are 4 accounts on my credit account that are not mine they do not belong to me in any way I do not shop I dont have any cards like that I have not signed or approved anything like that!!! 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX BANK XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Inquiries Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 2021
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i have inquiries on my credit report i do not recognize
Complaint sub-issue: Account information incorrect

I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30 days in the month of XXXX 2017. I have always made my payments on time. I am not sure how this happened. I believe that I had made my payments to you when I received my statements. My only thought is that there was a billing error with my statement.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

Unknown number called me, only kept asking if this was " XXXX ''. I asked who was calling 3-5 times before the agent reluctantly disclosed who he worked for and that he was a client of a third party. He refused to provide details on why I was being called, what his position in the company was, and repeatedly threatened me with an array of actions he would use against me. The agent continuously interrupted me never answering my questions, but insisting I legally have to answer his questions. He accused me of : fraud, misrepresentation, breach of contract, and that I and my character are of very poor quality ( to put it nicely ). My XXXX  driver heard everything and even told me that he was harassing me with that call, someone with no interest in my affairs was worried about the conduct of the agent raises a number of red flags. The agent works for I.Q. Data International. Finally, he repeatedly tried to coerce me by threat of harm to pay him today or else I would face the threatened consequences. His demeanor was angry throughout the whole call. It is recorded. I am fearful for my well-being and financial status at the whims of a rogue collection agent.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXXs website is purposefully kicking you out of being able to dispute items on your credit report.  They are willingly and knowingly doing this so people cannot access their reports so they trick you into paying. Also will no allow me my free annual credit report.
Complaint sub-issue: Information belongs to someone else

I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for  which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I did a purchase on Best Buy on XX/XX/2021 and return the item on XX/XX/2021, I have proof of the merchant that they they received the item, but they never did the refund the credit card is manage buy Citibank I have been calling them for a year, trying to fix this matter I open disputes, upload documents about the refund d but they dont t do anything. Every month they call me telling me that Im late on my payment ( thats the only and last transaction I have with that credit card ). They already damage my credit score report sending flags that Im late .. they also sent a flag that I did a settlement with them. Im very frustrated I really dont know what to do every time I called they transfer me with several people but know one help me or resolve this matter Im desperate.. as I told you they already messed up with my credit score. 
I already talk several times with Best Buy store they messed up with the return because XXXX pick up the item but didnt explain were they return it I told them thats an Internal mistake why that is affecting my refund .. they told me they already process the refund transaction but Citibank dont fix it, because they said they didnt received the refund transaction from Best Buy. And this is the never ending story, since a yea ago I already cry, Im angry, Im frustrated! 
Please help me!!!
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX  are reporting 17 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.