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

On XX/XX/XXXX I received confirmation # XXXX from a collection company called XXXX XXXX ( XXXX ) XXXX to affirm that I had in fact resolved this matter for an old XXXX  bill, by settling the payment for {$510.00}. Then a month later the same bill was requested for me to be paid by another collection agency ( who's name I don't recall because once I gave them the information I provided above they dismissed the account ). Then on XX/XX/XXXX I received a letter date XX/XX/XXXX from another collection agency called AFNI, inc. ( XXXX ) XXXX requesting that I pay XXXX again for the same XXXX XXXX I had already resolved with XXXX XXXX. I immediately called AFNI, inc. on the evening of XX/XX/XXXX to explain that this matter had already been resolved but the representative refused to accept my information and stated that if I didn't pay that they would report the account to the credit bureaus ( which they did by the very next morning an AFNI, inc. collection account was reported on my credit report ( XXXX, not sure of the others as of yet ). I contacted XXXX in which they just directed to call another credit agency who directed me to call XXXX back and explain that they must resolve this matter. I can not get ahold of anyone at XXXX to resolve this matter, and I've tried every support avenue they offer from chat to calling them directly. I am at my wits end and do not know what to do from these predatory collection agencies continuing to try and collect on a bill that has already been paid.
Complaint sub-issue: Threatened to take legal action

Various people calling my work and home number never stop. Rude threatening to call various departments and family member.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

city bank Na Best Buy XX/XX/2017 and XX/XX/2017 made a hard inquiry which wasn't authorized by me and it is affecting my credit.
Complaint sub-issue: Problem during payment process

To whom it may concern I am XXXX XXXX XXXX, XXXX and I have a small family dental office on the Northside of town. I would like to tell you about an interesting experience I am having with a well-known bank. In XXXX of 2021, I started a business credit card account with XXXX. Immediately, I started to have issues with the account and the processing of payments and credits to account. In XXXX, I called in to make my payment, the payment amount I requested was not the amount taken and it left the account with a huge balance to be carried on to the next month. I did not like this and complained because of course interest is accrued in that time. I called in and made my XXXX payment around XX/XX/XXXX ; this is where things go completely off the rail for the account. XXXX held my payment for over 20 days until XX/XX/XXXX before the money would be credited, then inexplicably XXXX claimed to have returned the payment. They did not give a reason the payment was returned ; they actually have not returned my money. The money has been misapplied to an account and now they can not find it. My money just vanished into thin air. I have not been informed of fraud nor cyber theft. XXXX is now PNC BANK and PNC has now placed my account in a revoked status and still seem to not care. They seem to not care and treated me like someone who does want to pay their bills when I went into the XXXX branch on a scheduled appointment with someone named XXXX. They just do not seem to have any interest to make this right for me and I am enlisting any help that could be given to me in this endeavor. 



Respectfully, XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have an account with XXXX XXXX that was in collections with XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. I paid a settlement amount of {$630.00} to them to settle out the account ( Ref # XXXX ). My representative is Mr. XXXX XXXX at extension XXXX. I paid this amount on XX/XX/XXXX and they were supposed to report this as settled but they just took it off the existing amount and failed to settle the account. I spoke to Mr. XXXX on five different occasions to solve this issue but they are refusing to do so. I have a letter from Mr. XXXX that in fact shows the account is settled but the credit bureaus will not update it as settled but they continue to show a remaining balance. I have disputed this with them at least 5 times but it still comes back each time as verified as accurate but it is not accurate. When you call XXXX XXXX to speak to someone about the account on their end it refers back to XXXX XXXX XXXX XXXX XXXX and back to Mr. XXXX. I am sick of this run around and I need them to settle this account which I have already paid for.
Complaint sub-issue: Account status incorrect

I wasn't completely clear in my first complaint and resubmitted complain for which I'll be now. 
My concern isn't whether I paid late or not. This isn't an attempt to have my credit records cleaned up and bad information removed due to my own responsibility to pay on time, but a claim to have the company rectify its mistake and remove two 30s days late payment reported to the major credit companies because company didn't get in touch with client ( me ) to inform I was a month behind when making my monthly payments and had used excuse I opted out from being called by phone. But, letter communication, statements, robocalls, emails, still exist and company didn't comply to use them. The company put me under do not call list and claim not to contact me to address my late payments issue because of this very reason. I did not ask them to put me in such list and I did not want them not to call me, for which I'm communicating with the company to resolve this issue, all damage that has caused me and to my credit file. I'll be contacting the attorney office, plus I'll sue the company for their mistake in all possible ways. I'll gather all help I need to further assist myself in such matter to get the result I'm seeking due to their miscommunication and company ethical function and/or operational process with all customers.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022 the credit collection XXXX XXXX for {$850.00} was wrongly placed on my account not only am I not responsible for this account which was previously deleted last year I dont know how or why its back on my report. 
I dont or didnt give any consent for this to be on my report and per my rights to privacy this information shouldnt be showing.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

On XX/XX/2022 I made a purchase at XXXX. The purchases were. 
XX/XX/2022. XXXX. {$8.00} XXXX XX/XX/2022. XXXX. {$110.00} When I write home and my card was unable to be used I went online and found the additional XXXX charges on my account, that were not made by me. I did not make these charges they are fraudulent. I have tried every way I know to make the bank understand that they are fraudulent, and I know this because I did not make them. And the card was always in my position. I have no idea how it happened, I can not explain it. But I categorically deny making these charges, and as a matter of fact, can state that they are indeed fraudulent. They were as follows : XX/XX/2022. XXXX. {$100.00} XX/XX/2022. XXXX. {$100.00} I have tried every way I know to make the bank, ALBERT BANK, operating under a license of XXXXXXXX XXXX  OHIO, understand this. In the many many many emails back and forth, Albert Bank reported to me that in their opinion they were not fraudulent, they were not going to refund me my {$200.00}, and that they're findings were binding. After contacting XXXX XXXX, XXXX said that they were wrong, Albert Bank is in violation of XXXX XXXX XXXX agreement, and I should contact MasterCards fraud department. I did as well as the Consumer Financial Protection Bureau, the banking Regulators in Ohio, and others. This is outrageous, it is wrong, and Albert Bank should be treated as a rogue company
Complaint sub-issue: Reporting company used your report improperly

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXXXXXX XXXX XXXX ACCT # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SCETION 602 A STATES I HAVE THE RIGHTS TO PRIVACY.

15 U.S.C 1681 SCETION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Complaint sub-issue: Account status incorrect

please find attached the letter from the creditor for which they have approved of this account being inaccurate reporting. please help me to have XXXX and XXXX to remove this inaccuracy from the credit reports
Complaint sub-issue: Debt was result of identity theft

On XX/XX/22 I received a request for payment from TRS Recovery Services , Inc for {$120.00} for a purchase made at XXXX XXXX XXXX XXXX paid for by check # XXXX ( Dummy check # ) Drawn from an account at XXXX XXXX  XXXX XXXX XXXX XXXX, MO contacted XXXX XXXX  XXXX XXXX XXXX XXXX account found with my name. XXXX XXXX verified the check at point of purchase ( unbelievable ). I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX investigate the matter at, XXXX ( XXXX ) XXXX, never heard back from them. I contacted TRS Recovery Services XXXX XXXX and received a dispute form which I completed and mailed it back to them. On XX/XX/22 I received a TRS Forgery/Identity Theft Declaration, completed it and mailed it back to them along with all the information I had found to substantiate my claim of fraud/identity theft. The information regarding this matter was given to me by XXXX XXXX, XXXX ( XXXX ) XXXX and XXXX XXXX  XXXX XXXX ( XXXX ) XXXX and through my own investigation.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Investigation took more than 30 days

please see documentation for explanation of events. Please be sure that my claim is thoroughly investigated
Complaint sub-issue: Their investigation did not fix an error on your report

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The 3 Credit Bureau are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 

XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX  XXXX XXXX Balance {$820.00} ;
Complaint sub-issue: Received bad information about your loan

Since XXXXXXXX XXXX  XXXX I have made {$16000.00} worth of payments on my Department of Education held loans from my XXXX years at XXXX XXXX XXXX  ( XXXX ) via my designated loan servicer, Nelnet. On XX/XX/XXXX I called Nelnet and requested refund of a {$7800.00} payments made made on XX/XX/XXXX, as provided for under the CARES Act. The Nelnet representative told me that my requested refund would be received within 4-6 weeks and that during that time frame my student loan balance would be updated. On XX/XX/XXXX, I called again, this time to request refunds of 3 payments of {$510.00} ( each ) made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Again, the Nelnet representative advised me that my requested refund would be received within 4-6 weeks and that during that time frame my student loan balance would be updated. They advised me to call back if refunds were not received within that timeframe. It has been 6 weeks from the first request and I have not received any refunds nor has my balance been updated to reflect any of the requested refund amounts. I called- as instructed previously by Nelnet- to check the status of my refunds and loan balance update, and was told that my refunds " were not even processing yet ''. When I asked for a date by which I *could* expect my refunds, the Nelnet representative stated they would take " two more months, but would be completed by some time in XXXX, by end of year ''. When pressed as to why the timeline of 4-6 weeks was given not once, but twice previously, and how the backlog could affects requests made in XXXX when there was no backlog at that time, the Nelnet representative stated the system is overloaded with requests and that processing time has increased. This is asinine for multiple reasons, but most significantly because this will prevent me from applying for {$10000.00} of loan cancellation to which I am entitled under the recently announced forgiveness plan before the end of the year when payments restart. Nelnet is effectively holding my money XXXX to force payment of some interest to them on my loans into XXXX, as if my loan balance is not updated until XXXX, then it would be XXXX before I could expect cancellation, given the reported timeline from application to cancellation is ( at least ) 6 weeks. This will effectively force me to pay interest on loans I've already paid off, which should have been refunded, and which should be forgiven before end of year. All payments on my student loans to Nelnet have been made electronically from a major bank and can easily be reversed electronically- this takes only 3 to 5 business days for almost all financial institutions. Additionally, a timeline of 3-4 months was not the agreed upon terms of the refund and I was not advised that the refund could take until the end of the year during either call in XXXX.
Complaint sub-issue: Information belongs to someone else

I was told by bank lender that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. They do not belong to me and I have never applied for those accounts.
Complaint sub-issue: Their investigation did not fix an error on your report

I reached out to the consumer reporting agency in XXXX of 2022 requesting a reinvestigation of several accounts. I was sent a letter to saying they do not need my consent to furnish anything on my consumer report and listed the accounts as verified. Consumer reporting agencies need consent to furnish a report pursuant to 15 usc1681b ( a ) ( XXXX ) .No consent is identity theft. They also violated my right to a description of procedure to determine accuracy and completeness pursuant to 15 usc1681i ( a ) ( XXXX ) ( B ) ( XXXX ). There are also several accounts that have been charged off and are older than 7 years which is a violation of 1681c ( a ) ( XXXX ).
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX dXXXXd now.with no help
Complaint sub-issue: Old information reappears or never goes away

i have a report onXX/XX/XXXX saying i have a collection / charge off on a accont that was settled and closed in XXXX.
Complaint sub-issue: Contacted me after I asked not to

I have an ongoing dispute with the billing practices of Progressive Mgmt Services ' client, XXXX XXXX XXXX Hospital and its affiliates. XXXX XXXX XXXX Hospital and its affiliates routinely do not provide itemized billing in a timely manner, do not send itemized billing at all, and place accounts in collection without proper due diligence. PMS has been repeatedly notified of this fact on at least 3 prior occasions. PMS continues to attempt to collect invalid debts on behalf of XXXX XXXX XXXX Hospital and its affiliates despite the prior notifications. PMS leaves automated and live telephonic voice messages regarding the disputed accounts without verifying they have the correct contact information and without permission from the alleged debtor - in violation of the FDCPA. PMS has failed to put into place safeguards to rectify these issues as previously outlined in multiple communications with them, XXXX XXXX XXXX Hospital, and the AZ Attorney General.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I do not know how this is going on but I have a large number of inquiries on my credit report from multiple banks and finance companies That I did not do. 
I have frozen my credit reports on all three credit reporting agencies but yet the inquiries continue to come. 
On XX/XX/XXXX I went to my bank and was denied Credit because of a large number of inquiries. 64 on XXXX alone! XXXX to today. 

1. Equifax Dispute Submitted XX/XX/XXXX Dispute Completed XX/XX/XXXX I have put in a dispute with Equifax about this problem and their automated response was quickly returned - in less then 24 hrs after - that inquiries stay on the report for two years. ( No Change reported ) 2.XXXX  XXXX did do the right thing and tried to help BUT! I'm back @ 11 with them. 

3. XXXX Dispute Submitted XXXX also informed me That inquiries stay on the credit report for up 2 years. 
They then told me to file a report with the FTC and mail said report back to them and then they can be removed. the FTC website pushed me to this page and here I stand Help! 
Thankyou XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I recently learned how my identity was stolen. In XX/XX/XXXX I filed a medical malpractice law sue. I went through my court documents and found a copy of my credit report the attorney pulled. My birthday have been changed to XX/XX/XXXX. ( XX/XX/XXXX ) is my date of birth. My former employers have been changed. XX/XX/XXXX I worked for XXXX XXXX. XX/XX/XXXXI worked for XXXX XXXX XXXX XXXX
XX/XX/XXXX- XXXX XXXX-XXXX XXXX XXXX XXXX XXXX I purchased my home at XXXX XXXX XXXX on XX/XX/XXXX. In XX/XX/XXXX I lived at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX-XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX allowed someone to make copies of my math papers with my signature and my XXXX XXXX child power of attorney from XX/XX/XXXXwhen began receiving social security benefits. The bank allowed a Breach of Contract to take place. The bank allowed money from the department of labor to pay a series of mtgs with XXXX XXXX XXXX. The FBI told me it was an inside job. The Attorney General told me about the Power of Attorney stolen from me home with my signature. There is property in XXXX XXXX XXXX lives there. It was sold to a company called XXXX XXXX. The XXXX Family is using our XXXX father social security number. Secret Service also notified of fraud, embezzlement, abuse of His Housing.
Complaint sub-issue: Debt is not yours

Equifax is reporting an alleged debt, Account # XXXX
Complaint sub-issue: Problem with personal statement of dispute

I submitted a Debt Validation Request to XXXX, an email confirmation was sent to me XX/XX/2022. The email stated that my request was received and to allow up to 30 days for a response. On XX/XX/2022 I received a letter from XXXX stating that no adjustment was needed for the alleged account due to their research. THEY ARE IN VIOLATION OF THE LAW! I requested that the original contract with my alleged signature be sent to me, or drop the debt to a zero balance and cease and desist all collection practices. However, they never sent anything aside from the email confirmation, and letter stating that the alleged account is accurate based on their investigation.
Complaint sub-issue: Problem during payment process

XXXX offers a special event payment program where the payments can be deferred up to 12 months. The payments have not been applied properly for the past two months. The payment allocation should be first to the revolving balances and then to the special event program. I was informed by XXXX that I will have to call every month to have the payments applied properly. 

Interest charges have been levied to the revolving account balance inappropriately. I have paid the revolving account balance in full each month.
Complaint sub-issue: Problem with customer service

I submitted an inquiry on my online banking. Someone else received the email. The email it went to is in no way associated with my account. This person received an email with my name, address, loan number, and phone number. The person who received the email called to inform they received the email.