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

On about XX/XX/XXXX I have a debt with XX/XX/XXXXXXXX that was sent to a debt collection agency ( Carter-Young ). I paid the debt directly to XX/XX/XXXXXXXX in XXXX of XXXX. XX/XX/XXXXXXXX is supposed to have reported it to Carter-Young. Carter-Young said they never received notification from XX/XX/XXXX that the debt was repaid. They kept it on my credit report when I had previously told them that it had been paid. 
I finally got XX/XX/XXXXXXXX to contact Carter-Young and report it as having been paid. 
Carter-Young reported that it was paid in XX/XX/XXXX when it was paid in XX/XX/XXXX. Carter-Young refused to adjust the payment date to the date it was paid.
Complaint sub-issue: Their investigation did not fix an error on your report

Private Student Loan Account has been disputed with Equifax Credit Bureau. It continues to update monthly showing as over 120 days late. The Loan was originally with XXXX XXXX XXXX. The account was included in a bankruptcy and is not backed by the government. Each time I dispute the information and submit proof from my Bankruptcy it shows that it was verified with the lender. When I called Equifax to get the contact information for the company the number I was given was XXXX. That number is no longer in service. The website for XXXX XXXX XXXX only has a mailing address and email. I have written both with no response. The other two credit bureaus : XXXX  and XXXX both show that the account is closed and was listed in the Bankruptcy. 
This has been disputed 4 times. XX/XX/2018XX/XX/2018, XX/XX/2018 XX/XX/2018, and again todayXX/XX/2018. I have no options to speak with some one to clear up this account one way or another.
Complaint sub-issue: Their investigation did not fix an error on your report

Due to COVID-19 and despite being laid off I have been doing my best to pay off bills that were on my credit report. I worked with the actual creditors regarding pay off and then sent the letters indicating the accounts have been paid off and the balance is XXXX as apart of a settlement. I have sent the information to Equifax, XXXX, and XXXX however the information still remains that I have balances on the paid off accounts. 

Equifax ( these accts are all paid off ) : XXXX XXXX ( # XXXX & XXXX ), XXXX XXXX XXXX XXXX, & XXXX ) XXXX ( # XXXX ), XXXX for {$150.00} ( I am unfamiliar with this account and asked for reinvestigation but no response ). XXXX XXXX on ( XXXX paid off medical acct that should have been deleted after 180 according to law ). XXXX : ( XXXXThe statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland Code. This is to be deleted from my credit ). 

TransUnion : XXXX XXXX ( paid off with XXXX balance # XXXX ), XXXX : ( XXXXThe statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland XXXX. This is to be deleted from my credit ). XXXX XXXX XXXX ( XXXX paid off XXXX insurance for {$120.00} ). 

XXXX ( These accts are all paid off with a XXXX balance however still showing I owe monies : XXXX XXXX ( XXXX, XXXX, & XXXX ), XXXX XXXX XXXX XXXX ( # XXXX & XXXX ), XXXX : ( XXXXThe statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland Code. This is to be deleted from my credit ).
Complaint sub-issue: Was not notified of investigation status or results

To Whom It May Concern : As of my dispute, your agency is in outright violation of the FCRA. 
Specifically, the following : 1. Exceeding the 30-day requirement to respond 2. Willfully using delay tactics and not sending reports 3. Not responding at all Please see items in dispute below and  immediately remove from my credit file ACCOUNTS XXXX  XXXX XXXX  XXXX  XXXX not mine US DEPARTMENT OD EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX not mine US DEPARTMENT OF EDU XXXX never late XXXX XXXX XXXX not mine COLLECTIONS XXXX not mine XXXX not mine XXXX not mine XXXX   XXXX XXXX XXXX XXXX not mine XXXX   XXXX XXXX not mine Identification already on file, no changes, please notice your internal notes, please notify me of what is suspicious about this request. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2022 while I was taking a vacation in XXXX, I had made a reservation on the rental car with XXXX XXXX XXXX. All reservation was conducted on the cell-phone and the documents were sent on the phone ( photo ) that were included Thai Driver License and Citi XXXX XXXX but the card security code ( XXXX digits code ) and the billing address did not include. Both information did not being sent to the rental company because I did not authorize the card to be charged. in order to hold up the car, the compay requested for payment that I had authorized only XXXX time charged in total amount of XXXX ( {$460.00} ). The itemization is listed below. 
Rental fee XXXX, this amount will not be refund. 
XXXX XXXX, this amount will be refunded after the vehicle is returned. 
XXXX XXXX XXXX The contract was sent via cell-phone which is unreadable, therefore, I did not sign the slip and not authorized for second charge ( {$1000.00} ) and insisted that contract and both charge will be authorized and sign at the office after reviewing of the contract. 
I went to office but there was on XXXX in the shackle building with the tall grasses and cats ran around, therefore, I left the office and cancelled the reservation. However, company was refusing and the depute has been filled, after all attempt many times, Citi XXXX final resolution award the rental company for both charges of {$460.00} and {$1000.00} in XXXX that XXXX ) Charge Slips were never signed, XXXX ) There was XXXX digit code given, XXXX ) No contract has been sign and no vehicle was taken, XXXX ) The deposit should be refund because the vehicle was never picked up. Please see the attached document.
Complaint sub-issue: Account information incorrect

This is regarding my XXXX XXXX  account ending in XXXX. I have been in the XXXX  since XXXX with XXXX and complications and just came home today!! Back in XXXX I think it was I finally got ahold of someone after HOURS OF GETTING THE RUN AROUND, and told them I had XXXX  and they said they would put projections on my account and a payment would not be due for that month. Not long after that call, my condition got worse and I ended up on XXXX XXXX  for about 4 weeks. I have not been able to call anyone to get help with my accounts. My husband then tried calling to tell XXXX XXXX what was happening. NO ONE WOULD TALK TO HIM BECAUSE HE IS NOT ON THE ACCOUNT!! As a result now my credit is ruined!!! I have {$100.00} 's in late fees and who knows what else!!! How is someone on XXXX XXXX supposed to get help if these creditors won't work with people!! 

My balance when this stared was around {$4000.00} wish. I now owe close to {$6000.00}!!! I have no job, just got out of the hospital, I can hardly provide for my kids and now to top is off, my husband passed away three days ago from XXXX. 

XXXX need to do something! They need to fix my credit ASAP! I can not pay for my husbands frugal because I can not get any sort of loan to pay for it! Then they need to waive ALL MY LATE FEES!! LASTLY, THEY NEED TO SETTLE THIS ACCOUNT AND MAKE IT A PAYMENT I CAME HOPEFULLY SOMETIME AFFORD WHEN I GET BACK ON MY FEET! 

THE CREDITORS SHOULD NOT BE ALLOWED TO DO THIS! WHEN YOU HAVE XXXX, YOU CAN NOT WORK, I ALMOST XXXX, I HAVE NO SAVINGS NOW AND LOST MY HUSBAND. MY CREDIT IS RUNIED NOW! HOWAM I SUPPOSED TO RECOVER?!
Complaint sub-issue: Threatened or suggested your credit would be damaged

XX/XX/19 TO WHOM IT MAY CONCERN : RE : XXXX XXXX XXXX, XXXX XXXX XXXX, Phone : XXXX/ XXXX XXXX, XXXX XXXX XXXX , XXXX , PA . Phone : XXXX I am writing this letter to seek help in a matter involving XXXX XXXX XXXX. I received a letter in the mail around XX/XX/XXXX, stating that I owed {$70.00} for services rendered through XXXX XXXX in XXXX, Pa. 
I should not have received this notice nor bill because I have co-insurance which pays all my out-patient co-pay. I had used XXXX XXXX XXXX several times in the past and not received a bill. This time someone must have made a mistake in not billing the co-insurance under my secondary insurance. 
In contacting XXXX XXXX XXXX, I told them that and the representative was not compassionate to real facts. The bill was originally {$30.00}, with the collection fees it remains to be {$70.00}. 
I then requested to speak to a supervisor concerning the matter, I was then, transferred to a supervisor name Ms./Mrs. XXXX, she was least concerned with the facts and so very unprofessional. Though I had explained the situation to her. She made no sense in being a professional, so I told her I would handle the matter and call and talk to patient first. 
I spoke to a rep at patient first and she told me that they did not have my co-insurance at that time of the billing. I ask why not it was on record all the other times that I used their services for emergency care. She then, asked for my co-insurance and told me that she would decrease the bill. Since then Ive called Ms./Mrs. XXXX leaving several messages on her voice mail and she would call one time and one time only and if I am at work, she I tried to call her on my break she would not answer. 
I rather not deal with XXXX XXXX XXXX because of the unprofessionalism on their part. So, I am writing to get help. XXXX XXXX XXXX are threatening to put this {$70.00} bill on my credit file. 
Truly, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX . # XXXX XXXX, Pa XXXX
Complaint sub-issue: Frequent or repeated calls

My name is XXXX, Hunter Warfield is a debt collection agency. XXXX are using them to collect a debt I owe. However they call my parents house daily now its twice daily. They have an automated service calling you can never speak to a real person. Plus they are listed on my credit file twice. I have paid them so far {$100.00} dollars and after I paid them the {$100.00} is when they started calling twice. I do not know why they are calling my parents number and not mine. Please help with this matter. I do not know what to do to get them to stop calling my parents. 
My email is XXXX phone number is XXXX I am on XXXX and XXXX at night so I sleep during the day, if I miss you call I will return it the next business day. 
Thank you very much for you help in this matter XXXX
Complaint sub-issue: Problem using a debit or ATM card

Called on XX/XX/XXXX to confirm date of deposit for benefits being deposited into checking account. Unable to authenticate in the automated system. Could n't get in touch with a live person. Finally able to contact someone on XX/XX/XXXX and found out that the debit card had been canceled and a new card ordered on XX/XX/XXXX that was not authorized. I was able to get though to fraud on XX/XX/XXXX to get the fraud forms for the unauthorized debit card being ordered. Received forms on XX/XX/XXXX. Once they were received, was able to contact another live person on XX/XX/XXXX to retrieve the transaction history to see what transactions were unauthorized. Mailed the documents on XX/XX/XXXX and mailed to Texas from Oregon. Called in and spoke with a live person on XX/XX/XXXX to confirm the forms had been received and the claim had already been declined. I have disputed the investigation with the bank because they had not done their due diligence in allowing a person not me to order a debit card and drain my bank account and then deny my fraud claim per Regulation E. A police report with the XXXX Police Department has been filed. I was in the hospital and XXXX during the time of fraudulent activity.
Complaint sub-issue: Reporting company used your report improperly

I called Equifax on XXXX XXXX stating that I have inquires on my report that I did not recognize. I informed them that I had contacted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX by phone and by mail in regards to unauthorized inquires. I received no validation from said companies that I authorized my report to be viewed. Equifax refuses to investigate even after I have done my part as the consumer.
Complaint sub-issue: Information belongs to someone else

From the month of XXXX, I have been contacting XXXX XXXX to pay the minimum monthly payment and I have n't been able to. XXXX XXXX, has blocked me from making online payment, XXXX XXXX  and XXXX XXXX. I went on XX/XX/XXXX, to XXXX to make payment to XXXX XXXX via XXXX XXXX and on the screen the customer service representative said that she had never seen a message across the screen instructing me to call into XXXX because there was a block on it. Moments later, I called into XXXX 20 times to be exact to correct the problem, and they stated they received a fraudulent check from me. I do n't even have checks and have always used online banking, ( which I 'm blocked from as well ) but the rude customer service rep in the fraud department stated that their was a check but it the check was n't written by me at all. XXXX XXXX has blocked me from all ways of making a payment, and I have lates on my credit from it ... XXXX XXXX is also aware of my difficulties of making payments because they blocked me from all forms of making payments.
Complaint sub-issue: Account status incorrect

I have reached out to XXXX XXXX XXXX/XXXX to dispute inaccurate information on my credit reports. On the year of 2016 they have a total of 36 late payments reporting on my all my accounts that I have with them. I do not call recall having late payments with Nelnet. I have always made sure that I update all my information to make sure that I never have to experience what I am going through now. As of today I am in a deferment status and in XX/XX/XXXX I will be starting the income based repayment plan. I am in the process of repairing my credit and the late payments are causing me a hard time purchasing a house for my family.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX, I received a letter from CFPB stating Experian is still working on their process ; however, I received credit reports from all three credit reporting agencies seeming to not want to change a thing. I'll explain per credit bureau to be fair. As of XX/XX/XXXX after my reporting to CFPB XX/XX/XXXX Equifax letter is stating their reported inquiries will remain for XXXX XXXX XXXX XXXX # XXXX, who is on my XXXX Discharged XX/XX/XXXX but publicly viewed on my credit report. Every loan for my education is shown for student loans and my XXXX is still being acknowledged as well through XXXX but I have documentation from XXXX they will not only stop reporting my details which is attached, but also documentation emailed to me by the XXXX XXXX, NV Federal BK Court that they do not take any part in reporting Bankruptcies to any credit reporting agencies, which is also attached. After my report to CFPB XX/XX/XXXX. 

For XXXX, on XX/XX/XXXX, I received documentation from CFPB that they are still working on the process of removing items, but, as of XX/XX/XXXX, I received two credit reports from XXXX, I only need one, I am fighting ID THEFT majorly, they are still reporting XXXX XXXX XXXX # XXXX is fraudulently being reported as of XX/XX/XXXX I did not do, stated to them multiple times but still nothing has been done. Also XXXX XXXX # XXXX, although on my XXXX is still being reported as information to be known that they are on my XXXX, Discharged XX/XX/XXXX, this should not be publicly known and should be removed but they refuse. They also refuse to remove old adresses that I have had information stolen from all these addresses with multiple reports to FTC and ID theft.gov regarding these addresses ; such as, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NV. XXXX # XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NV XXXX #  XXXX, XXXX XXXX XXXX, XXXX, CA. XXXX # XXXX, and for some reason there is an old address for my current address without my residence number XXXX as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV. XXXX # XXXX. They won't remove an old number XXXX as well. That is for XXXX  # XXXX. 

XXXX  # XXXX, as of XX/XX/XXXX refuse to update my address  to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NV. XXXX. They refuse to remove my XXXX, although it is acknowledge that the XXXX Courts do not report to credit reporting agencies as public acknowledement, as well as every student loan made shown as notice on my credit report although I am on XXXX under a federal program,
Complaint sub-issue: Reporting company used your report improperly

In accordance with Fair Credit Reporting Act. The List of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

These listed accounts : XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 : Also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account status

XXXX XXXX XXXX XXXX is reporting negative incorrect information on my XXXX credit report. They are in violation of the FCRA which requires consumer reporting agencies to maintain an accurate file of my credit information. My credit score has dropped over XXXX points because of this error. They have also misspelled my name and provided inaccurate mailing information. After disputing with XXXX , I was told it was being reported correctly
Complaint sub-issue: Transaction was not authorized

I was scammed by a person via XXXX after I was threatened with jail time and court for an old debit. Citi bank refuses to give me my money back even though I don't know this person and it was a scam. This happened on XX/XX/2023 at XXXX pst.I called Citi customer service and they refuse to return my money.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

IN accordance with the Fair Credit Reporting act XXXX account XXXX XXXXXXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On  XXXX / XXXX /2017 I received a letter in the mail from   XXXX   XXXX   XXXX   XXXX   for reasons unknown to me! I do not do ANY business with this institution! I opened the letter and it stated that i had made a recent application for a deposit account. I have done NO SUCH THING! I have never opened Or filled out any application for them! I DO NOT know how they even got this information. It says in the letter a credit score and soft inquiry have been made. None of which I did or gave anyone permission to do ...
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I do not know why this is happening I know this company is in the news for setting up fraudulent acoounts and I am positive this is what has happened to me! I do n't want this to affect me negativly with credit agencies but they have no right to open any account or get a credit report when i havent asked for it!
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The letter is from   XXXX   XXXX   XXXX   XXXX  .   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , SD Please make this company remove my name from their data base and remove any incorrectly reported info from my credit report!
Complaint sub-issue: Reporting company used your report improperly

in accordance with Fair Credit Reporting Act, XXXX XXXX  XXXX # XXXX and XXXX XXXX accnt # 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 agency can not furnish an account without my writted instructions 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. 

These fraudulent accounts remain unverified, as I never requested them as well as they have failed to provide proper verification.
Complaint sub-issue: Problem making or receiving payments

I receive monthly retirement XXXX payments from TIAA acc Number : XXXX For XXXX they never sent a check-they deducted money from my XXXX even the check is marked not cashed My bank XXXX statement shows it was not received -I called them XXXX times and they promised to correct it ( cancel the missing check # XXXX for {$1500.00} ) and send a replacement check. 
I guess they stole my money Also I asked them in writing and also XXXX times by ph to change the sending address from my XXXX bank to my residence -they promised but never did-please
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX