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

On XX/XX/XXXX I called Conns Appliances Inc collections department to pay the balance that was owed and clear the debt owed to the collector. After speaking with one of the representatives and getting a manager involved, they decided that I could settle for less than the full amount so that I could fulfill my debt obligations. I asked what would be the amount that they agreed to settle on and both the manager and representative stated the amount would be {$890.00}. I agreed to pay that amount and required written documentation that after the payment was made, they would report to all 3 credit bureaus that my account was paid in full and that it would be deleted from my credit reports as well. 

The manager assured me that as soon as my payment is processed that I would receive an email notification and a letter in the mail that my obligations has been fulfilled and a request for deletion has been sent to the credit bureaus. I asked for at least an email prior to my payment so that I could feel confident in them fulfilling their obligations on their end. The representative stated that the email and letter to be mailed would only generate after my payment was made. They assured that they would request for the credit bureaus to update to show paid in full/settled for less than the full balance and to be deleted also. I gave in to their pressure and words affirming what they would do and I made the payment. I have attached my receipt of payment for review of fulfilling my obligations. 

As of today, they did not follow up on their end of the deal. I have yet to receive an email or a letter in the mail regarding my payment and the fulfillment of my obligations with taking care of my debt. My credit report not only shows that I am in charge off status, but they turned around and reported 51 collection months XXXX. Before I made a payment, my credit report only showed XX/XX/XXXX in collections and my account showed closed due to collections. My XXXX XXXX has even dropped over 50 points because they went back and added moths of negative reports in collections XXXX and are currently still reporting that I am in collection status. How is this possible when I made my payment on XX/XX/XXXX? The account status shows a {$0.00} balance and closed, but they are still reporting negatively and have me in charge off status. 

I have tried to contact Conns Appliances Inc several times to have this updated, but everyone has been extremely rude and states that there is no account on file for them to update as everything has been closed out. I would like my account to be deleted and updated with all 3 credit bureaus as this has been a horrible experience trying to pay the debt that I owed and have my credit reports reflect properly.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX I testedXX/XX/XXXX At the time I had already been out of work a week as I was not feeling good. My condition slow begin to worsen, which made talking difficult. I reach out to all my creditor to let them know I was suffering from covid and it was causing financial difficulty. Unfortunately XX/XX/XXXX email was not working on several occasion inside the portal. When I select having payment difficult it state to call which I could not. I had my husband make payments in XXXX as well as XXXX. Unfortunately in XXXX we were {$26.00} short on my payment. Which result in XX/XX/XXXX reporting XXXX as 30 days late. When I started to feel better and was able to call and talk to XX/XX/XXXX I notice they report me 30 days past due. Which 1 I was not and 2 directly valid sect 4021 of the cares act signed in to law on XX/XX/XXXX. Protecting the credit reports and individual effect by covid whose accounts were not in collections. I reached out to inform them that they were in effort and both my local office and their corporate office stated they would not change it. So now Im filing a complaint has this violation of the law is sufferly damaging my credit and has prevent me from purchasing furniture on credit for my children.
Complaint sub-issue: Trouble with how payments are handled

Principal payment in the amount of {$220.00} was submitted to Discover Student Loans on XXXX XXXX, 2015 by personal check. This check was cashed on XXXX XXXX, 2015 but not credited toward my account. 

I sent an email on XXXX XXXX, 2015 requesting that they correct this error ( backdated to the date they cashed the check ) and received an email back requesting proof of my payment which I supplied ( canceled check images ) on XXXX XXXX, 2015. My account STILL has not been credited the payment.
Complaint sub-issue: Privacy issues

Discover credit card asked me to send a physical copy of my social security number despite me having uploaded it a clearly legible one online. They closed my account when I did not send it. They didnt explain why they need multiple copies. 
They are also keeping the digital copy of my social security card on their servers for 5 years, despite having closed my account.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I had a late payment on an account and I called to settle the situation, and even after paying the loan, they still report it as a late payment even though Im on track
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX has an auto loan showing as open, past due, & with a balance. I filed Chapter XXXX bankruptcy including the vehicle. They now have the vehicle. I notified them to have it updated but nothing has been done to correct.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Good afternoon, I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.
Complaint sub-issue: Information belongs to someone else

I am filing this compliant against Equifax. I have tried to address this issue several times. These accounts are fraudulent and do not belong to me. I have tried to resolve this issue by disputing the inaccurate information by phone, mail, and online. I am going to contact the BBB as well as filing a class action lawsuit against Equifax if this issue persist. These accounts should be removed immediately upon receipt of this complaint.
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/2020 I purchased a Christmas gift for my mother on XXXX in the total amount of {$90.00} including tax. Two days later XXXX contacted me to inform me the seller deleted the listing and took my money. Need less to say I filed a dispute. XXXX closed the case in my favor and gave my checking account full amount for a refund. I spoke with both XXXX and PNC customer service. XXXX told me everything on their end was resolved. I still have yet to receive my funds to my bank account from PNC bank 's end. They offered no help or resolution.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Yesterday XX/XX/2021, I logged in to my Fedloan account to update some information since in XXXX I will restart paying for my student loan since it was paused due to COVID and I was also looking for information regarding if I qualified for the student forgiveness loan, well today at XXXX I received a call from a suppose XXXX XXXX number XXXX that I prequalified for a forgiveness loan and to call her back at XXXX as I couldnt picked up the call since I was at lunch and of course wasnt thinking to look for the number in the website it self, since it was a coincidence that I was just looking for the information the day before I called back that number, I spoke to a guy name XXXX XXXX who was able to log in to my federal student aid got the information of the amount that I owe along with my social security number. I stopped the call immediately he asked for my debit card information or my banking account and routing number. He then called me back at XXXX from a XXXX number asking me if I wanted to continue the application. I started yo ask him questions about his company and his government ID who he couldnt respond to and hang up on me. 

In the meantime of all of this I also received a message from a XXXX at XXXX saying they were from the XXXX XXXX for the student loan and that my application was put on paused due to a missed monthly obligation and that my program may be subject to cancellation to call their customer service number at XXXX.
Complaint sub-issue: Received bad information about your loan

I qualify for the Public Student Loan forgiveness ( under the temporary relief program ). I had two different servicers initially ( XXXX XXXX XXXX  and American Education Services ). The loans from American Education Services had to be consolidated and were transferred to Fedloans. These loans were forgiven on XX/XX/2021. The loans from XXXX XXXX did not transfer over and I called both servicers trying to get them transferred. Eventually, someone at XXXX XXXX was able to get them transferred to Fed loans. The issue is that my employment date is incorrect. The correct dates are in the portal at Fedloans and have been since I initiated this process in XXXX. Also my payment counts are showing that they are ineligible because my employment dates are incorrect but clearly the form shows that I have been at the same employer for the past 11 years. My account has definitely been mishandled and I am dissatisfied by the lack of knowledge as provided by both servicers.
Complaint sub-issue: Their investigation did not fix an error on your report

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
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Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2018 Equifax received a certified letter Requesting signed documents and or proof of application ( s ), contracts, an or original documentation as well as the right for XXXX to report the following accounts to my credit report ; 1. XXXX XXXX # XXXX 2,  XXXX # XXXX, and 3.XXXX XXXX XXXX XXXX XXXX. Equifax has failed to provide any proof of original documentation containing my signature regarding the accounts listed above. In addition Equifax received a copy of a Police Report which included the accounts in question in regards of being established without my knowledge or consent through identity theft. As per the Fair Credit Reporting Act section 605b states the accounts must be blocked within 4 days of receiving the police report. Equifax has numerous violations in regards of the Fair Credit Reporting Act regarding my disputes by continuing to report these accounts to my credit file.
Complaint sub-issue: Banking errors

On XX/XX/2022 {$180.00} was transferred from my XXXX account into my money lion account, after which a hotel room was booked on XXXX. I only knew about it when an email came to my email confirming a reservation at a hotel I had just stayed at on the night of the XXXX. I thought this was odd so I called XXXX and they said that I had booked a room and I said but I didnt and they told me they werent doing anything about it because they have no contingencies in place for fraud like that. So I reached out to money lion to file a dispute, only for them to say they werent giving the funds back either because of the transfer Happening right before the purchase, well I didnt make the transfer either. Someone took control of my number and removed the service from my phone and somehow gained access to all Of my info, it has since been changed but nonetheless, Ive had enough issues with the XXXX fraud in the last few months and the last thing I need is to not get my funds back.
Complaint sub-issue: Information belongs to someone else

hello, I logged in to my account and saw some unauthorized inquires on my account, I called in and they told me to attach my FTC report, my ID and social security card to my letter and they'll get it removed. in my supporting documents is everything that I understand that needed to be submitted. please remove these unauthorized inquiries off my account.
Complaint sub-issue: Threatened to take legal action

someone steal all my identity and been using my name and i do n't think its fair for cable bill to be mines
Complaint sub-issue: Debt was result of identity theft

My Personal Sworn Statement & Declaration : I declare that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18ll U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE ATTACHED MY IDENTIFICATION ON ANOTHER PAGE
Complaint sub-issue: Information belongs to someone else

I have stated before that late payments should not be reporting on my consumer report. I have filed multiple complaints and it still remains. This is a huge violation of my consumer rights and is blatant willful negligence at this point.
Complaint sub-issue: Overdrafts and overdraft fees

My bank BBT is hitting me daily with extended over draft fees and charges, the latest was again this morning! I spent 2 hours on the phone with them yesterday trying to resolve the problem and make the charges end, but then was told that they can't help me. 
I have been making deposit after deposit to try and stop the cycle but they will not let my deposits post until after they have charged me more and more fees, therefore I can't catch up and make the account clear. I am interested in a class action lawsuit against this! I want all of the charges and fees returned to me. I am on XXXX, I cant even purchase my daily medication that I need because of all of this. And I intend for my family to sue them if I do not make it through all of this stress and XXXX it is causing me
Complaint sub-issue: Information is not mine

I have sent Numerous notices to Equifax to delete the inaccurate accounts they could n't verify or Validate to me. This is a Agreement for validation made pursuant to the Fair Debt Collection Practices Act Section ( 15 U.S.C.A. Section 1681 & 1692 XXXX. ). These accounts are not mine & need to be delete from my credit report.
Complaint sub-issue: Account opened as a result of fraud

I was notified by mail on XXXX at my current address that an account with CitiBank had been opened in my name and they were contacting me to confirm the information. Around the same time, my parents received account information in my name to their home mailing address. I have never lived at that address and my parents did not create the account. My mom gave me the account number and I followed-up with Citi. The account had been closed as a result of them being unable to identify my recent activity.
Complaint sub-issue: Account information incorrect

Please CFPB forward the following documents to Citi Bank. Thank you! Please Citi Bank, make a real investigation, and help me fix this issue as soon as possible, soI can buy my house. Thank you!
Complaint sub-issue: Information belongs to someone else

I was recently going to check out a new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high-interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX. I have contacted the FTC and my local police department.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/22 to Equifax to remove the erroneous account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Equifax is required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1000.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These companies ran my credit multiple times without my permission.
Complaint sub-issue: Account status incorrect

On XX/XX/2021 and XX/XX/2021 I had sent letters to XXXX, XXXX and XXXX, Regarding " Fedloans '' and US Department of Education. '' in my letter I explained to them that base on the FCRA AND FACTA guidelines, they are in violation of my rights to " accurrate and fair reporting. '' They are showing duplicate accounts that have derogatory reporting. I have asked them twice to correct/remove this inaccuracy, they have yet to do so as of XX/XX/2021.
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/2019 I notified Citibank that two checks that were written from my account was not cashed by the intended party. I have presented the issue to the lender citing the checks that were presented to be cashed were not endorsed as is done on all other checks. I have offered my sworn affidavit indicating the intended party never received or cashed the checks as evidenced. the banking institution refuses to credit my account with the money requested. It has been one year and three months and I am still waiting for my money to be credited and or reimbursed by Citibank, accordingly. I have been with this bank for seventeen plus years, without incident and they will not review this internal fraud and ultimately refund my money. I have attached proof for reference. the checks in question are as follows check number XXXX in the amount of {$160.00} and check number XXXX in the amount of {$600.00}. My complaints and calls are not being addressed and handled accordingly.
Complaint sub-issue: Debt was paid

I received a letter from USCB America on XX/XX/XXXX about a collection I owed to XXXX XXXX Georgia in the amount of {$130.00}. I immediately started having a XXXX XXXX since I am set up on auto pay with XXXX XXXX every month and this months was the final ACH being drafted of only {$22.00}. I frantically contacted the billing department on Monday XX/XX/XXXX to inquire about the balance and they reassured me it was only {$22.00} and that my account was never sent to collections. I believe this a scam company prying on people and they need to be stoped.
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX is reporting a debt on my credit file. I did not know I had this debt on my credit file until I checked my credit. I have made several calls to them in attempt to verify the debt and pay it. XXXX  XXXX is stating that the debt is sold, but they can not give me information on who they sold it to because they don't know. Not only are they violating my 30 day right to dispute. I didn't receive any phone calls, notices or letters. But they won't tell me who I can pay the debt to. This is affecting my credit and financing and I need them to remove this debt.
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX XXXX {$9700.00} XXXX XXXX XXXX {$380.00} XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$35000.00} CHAPTER XXXX BANKRUPTCY DISSMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}