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

I owed an outstanding balance of {$120.00} to XXXX XXXX XXXX for a land-line service that I no longer needed. I paid the outstanding amount of {$120.00}, based on my billing statment from XXXX XXXX XXXX ( including late fees & penalties ). I had no indication other than that XXXX XXXX XXXX accepted my payment in full. 

It appears that XXXX XXXX XXXX either sent this debt to XXXX different Debt Collection Agencies or this debt was sold from one debt collector to another ( XXXX XXXX XXXX phone XXXX ) and ( AFNI phone XXXX ). Both debt collectors are based in MN. One company ( XXXX. XXXX XXXX ) submitted this information to the Credit Reporting Agencies twice, using a different account number, so it showed up twice on my credit report. Some time after, the other Debt Collection Company ( AFNI ) reported the same debt with somewhat different information, to the Credit Reporting Agencies, using yet another different account number. This resulted in this SAME debt being listed 3 times on my credit report, even though the debt had already been paided in full ( based on my billing stmt ) directly to XXXX XXXX XXXX ( confirmed pmt received {$120.00} on XXXX/XXXX/2014 ). I filed several disputes with the Credit Reporting Agencies, explaining that this debt had been paid in full directly to the original creditor and that there were multiple listings of the same debt on my credit profile. The result of the dispute was that they removed one of the OLDEST debt collection records from my credit report ( which would have removed from my credit profile soonest ) and update the remaining NEWER debt collection company record with the INACCURATE information of " settled-less than full balance. The account had already been closed. This debt was " paid-in-full, based on the last billing statement ( including late fees and penalties ) from XXXX XXXX XXXX. A debt collector should not be able to request more than the amount of the outstanding debt. 

My contention is that my credit profile should not be negatively affected by the mistakes of XXXX seperate debt collectors reporting different information on the same debt. Who decides which one is valid? Why was the oldest record removed and not the newest? Can one debt collection company sell a debt to another, thus possibly increasing the time that the information remains on my credit profile? 

Because of these obvious mistakes in reporting by XXXX different debt collectors and the fact that my debt had already been paid directly to, and accecpted by, the original debt holder ( XXXX XXXX XXXX ), I contend that this erroneous and arbitrarily selected remaining debt collection record still remaining on my credit profile for AFNI, should be removed immediately.
Complaint sub-issue: Debt is not mine

XXXX acct approx. XXXX to XXXX. Several attempts with service problems unresolved with repairmen & {$60.00} modem/router XXXX said we needed to fix problems with my opposition stating that was not the problem. The modem/router did not fix the problem ; with multiple unresolved calls to XXXX to return and get reimbursed for the machine..they could not give me any info to send it to and would not remove the {$60.00} charge from my bill. I tried to return the machine to local XXXX store but they had no way to return it nor any info to help me return it either. I do not know what was wrong with XXXX about this issue. Wrote letter with no response..talked to different departments and supervisors without resolve. The last time the internet was out & reporting it for service once again ; the tech did not show up and XXXX had no records of appointment. I then told the agent to disconnect the service that was totally dead again. The acct should have stopped then with the bogus {$60.00} nonreturnable machine ... but att kept billing me and no resolve with the worthless machine. I still have the machine and packaging. I was shocked by this service from XXXX. I then went to comcast with a higher bill for service. I need a disclosure of verification of debt. Plus this debt has been reaged with false information on my credit report.
Complaint sub-issue: Didn't receive notice of right to dispute

XX/XX/XXXX - received an email saying my accounts fell below {$25.00}. Checked accounts and noticed my accounts were levied taking {$4700.00} and having them sent to debt collectors, XXXX XXXX. 

XX/XX/XXXX - Called XXXX XXXX telling them that I was never sent any paperwork before they emptied my bank account. I also never received a call from them informing me of my debt. 

XX/XX/XXXX - received paperwork that informed me of said debt of {$8800.00}. Only after they levied my bank. 

XX/XX/XXXX - I called XXXX XXXX and had let them know that I would continue to pay my remaining debt through my wages at work. 

Since then I have not heard from them at all. 

XX/XX/XXXX - get a missed call from XXXX XXXX. I call back and they confirmed my name, but needed to confirm my date of birth. I told them I want paperwork first before continuing the conversation. They said okay we will block your number have a good day. They did not even confirm they were going to send me anything.
Complaint sub-issue: Their investigation did not fix an error on your report

I MAILED IN MY FTC ALONG WITH LETTERS ASKING TO BLOCK FRAUDULENT ACCOUNTS
Complaint sub-issue: Public record information inaccurate

I have reached out to the credit bureaus and have forwarded them a letter from the bankruptcy district court clerks off and record division that states that they do not report to the credit bureaus. If the courthouse says itself that they do not report to the credit bureaus then there in no way to be 100 % accurate of any reporting of any bankruptcy of public record. The following bankruptcy is not mine and in addition it is unverifiable. 

Record Type : Chapter XXXX bankruptcy Date Opened : XX/XX/XXXX Reference Number : XXXX And Please Remove this late Payment From Your Records : Account Name : XXXX/XXXX XXXX Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status Open. 
Allegedly LATE : XX/XX/XXXX *Please See Attached Letter From Bankruptcy Court*
Complaint sub-issue: Problem with personal statement of dispute

TEK-COLLECT INC XXXX XXXX XXXX  XXXX XXXX XX/XX/2018 {$320.00} XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX This is a collection on my XXXX  credit report that is so in actuate, that it is fraud. I never had treatment from this Dr., nor do I owe any money. This Company " Tek collections '' tried to hit my other credit reports with the same charges and they where removed indefinitely. And placed under fraud. Please help thanks
Complaint sub-issue: Deposits and withdrawals

I even walked in to Citibank to clear it up and they told that I need to wait for a letter I understand if it would of been a credit card am willing to wait but is income tax money my money not credit I fill like they just playing with my XXXX that I need to pay bills my rent XXXX is coming up am job less got XXXX sons a XXXX old and XXXX old I even I even Prolly goin to get invicted
Complaint sub-issue: Their investigation did not fix an error on your report

I file a fraud report back in 2016 with the county of XXXX Police department and submitted to all the creditor that it affected. But the information is still showing on my credit report and XXXX  XXXX XXXX sold the account to a debit collector and now I have both of them reporting the debit to 3 credit agencies.
Complaint sub-issue: Debt is not yours

XXXX XXXX # XXXXI have a a unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records a contract, proof of claim, or any signed documentation for my review.
Complaint sub-issue: Their investigation did not fix an error on your report

I was shocked when I reviewed my credit report and found late payment on the date below : XX/XX/2019 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 my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Theres a Bankruptcy thats currently reporting on my credit file with XXXX, XXXX and Equifax. This Bankruptcy was completely dismissed and should not be reporting on my credit file with XXXX, XXXX and Equifax. Please remove the inaccurate Bankruptcy thats reporting on my credit file. Please and thanks
Complaint sub-issue: Account information incorrect

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This has caused me to suffer and its defamation of my character. 

XXXX XXXX XXXX XXXX THIS INFORMATION IS NOT ONLY INACCURATE, ITS INCOMPLETE. 

What was the monthly payment for this account? XXXX XXXX is reporting {$0.00} and XXXX and Equifax isn't reporting anything. Did the furnisher not supply you that information? 
What is the current balance owed to date? 
What was the date of first delinquency for this account? 
Why is XXXX reporting a date of last activity as XX/XX/XXXX, while XXXX XXXX and Equifax report the date as XX/XX/XXXX? Which date is it? 
What was the credit limit for this account? 
Is this account past due? If so, how much past due is it and if not was it ever past due, and if so, how much? 
Look at the payment history. Why is it reporting as RF for XXXX and XXXX of XXXX for Equifax and then reporting on time for XXXX of XXXX and then back to RF from XXXX of XXXX to XXXX of XXXX? What is it? Why isn't XXXX or XXXX XXXX reporting any payment history? 

This information is all over the place.
Complaint sub-issue: Account status incorrect

Complaints are with XXXX XXXX incorrectly reporting rental payment and status XXXX XXXX XXXX XXXX XXXX, MI XXXX, Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX XXXX  XXXX XXXX for in accurately reporting to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX Phone ( XXXX ) XXXX XXXX XXXX  in XXXX Michigan lease denial XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone ( XXXX ) XXXX or ( XXXX ) XXXX XXXX for their credit screening process/denial based on inaccurate information XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, MA XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Adjustment Bureau is reporting a {$930.00} XXXX collection fee and incorrectly listed as an Eviction. I have had Legal Counsel involved which gave specific instruction to both XXXX ( XXXX XXXX XXXX XXXX ) as well as Account Adjustment Bureau. 

This was an early lease termination initiated by me the Tenant and not an Eviction as stated. XXXX failed to address several complaints or provide another solution regarding the unsafe/unhealthy living environment from Extensive Residential Drug by neighboring Tenants. My Apartment was constantly filled with XXXX and other XXXX  odors. After several failed attempts to address this with XXXX management, I gave XXXX proper notice, all rent was up to date and paid on time. 

This is affecting my ability to find a rental with XXXX XXXX  in XXXX Michigan. I I was refused a lease due to XXXX  credit screening. 

Please see attached letter from Attorney. Any additional supporting documentation can be provided
Complaint sub-issue: Information belongs to someone else

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

I had a student loan of {$4000.00} some years back. Unfortunately, I couldn't continue to finish up with my XXXX  college education then, due to XXXX treatemnt and surgeries. However, I defaulted for a period of XXXX month, when I have to choose between paying or have my family XXXX XXXX XXXX in XXXX. I choose the the later for that breif period, whereafter I continued my payment ever since, after my recovery. 
Since then, the reported late payment had been an impediment from getting any form of loan, be it personal of business. It's been XXXX year of punishment for a late payment, which I have been faithfully paying until my moment of weakness, and thereafter. I tried to appeal for a removal this year XXXX, but was denied that it has to stay on my report for atleast 7 years. As a struggling XXXX XXXX, and a faithful taxpayer, this is unfair, because late payment due to XXXX  doesn't has to stop one from living a decent life. The balance left remaining is {$2900.00}, which I will continue to pay until the obligation is met. The account number for the subsidized and unsubsidized loan is XXXX. MyFedloan was recently transferred to XXXX
Complaint sub-issue: Information belongs to someone else

The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. Also, the credit bureaus DID NOT include an account number as to the claim on my report, thus indicating that the account is fraudulent. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. The account from XXXX XXXX XXXX doesn't have an account number which furthers the validity of the=is claim. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX loans went into repayment XX/XX/XXXX. The consolidated monthly payment across the 7 loans is {$410.00}. The very first payment ( i.e. XX/XX/XXXX ) was incorrectly applied entirely to one ( specifically, the XX/XX/XXXX dated ) of the 7 loans vs. being distributed across all 7 to meet each 's minimum due. This issue was corrected after a call to XXXX in XX/XX/XXXX - the solution was that they went back and reapplied the XX/XX/XXXX payment to the appropriate loans. In XX/XX/XXXX, I observed that my credit score had taken a hit due to a > 90 day overdue balance on a student loan account. After investigating, it became apparent that the reapplication of that XX/XX/XXXX payment had caused the XX/XX/XXXX loan to look like it was in default. I opened a dispute with XXXX, provided a similar description as above, and additionally mailed printed copies of the XXXX XXXX statement to show " good standing '' as well as proof of each monthly {$410.00} payment between XX/XX/XXXX and XX/XX/XXXX. I also confirmed with XXXX over the phone that all accounts were in good standing and that my assumption about the cause of the issue was probably correct. They indicated they would send a dispute form to me to fill out and return to correct the issue - they never did.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I submitted a personal letter to XXXX Equifax and XXXX in regard to inquires that are on my credit report fraudulently. I was a victim of identity theft. I was able to put a freeze on my accounts and Some inquired were removed after investigation w various credit companies. However Some inquires have not been removed as I need assistance with this. Please see list below w dates and creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem during payment process

I make my payment and they charge me a {$10.00} fee for making the payment and then they do not apply the funds for 10 days after I make that payment
Complaint sub-issue: Information belongs to someone else

Accounts on my credit report are not mine.
Complaint sub-issue: Trouble with how payments are handled

I took a {$5000.00} loan from Sallie Mae. I faithfully made payments for 5 years. My father passed and I had to quit working and move in with my mother. The loan defaulted. They are now demanding I pay it in full and will not offer reasonable loan repayment options.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed this account various times for fraud and various inaccuracies on my report. This company has violated my rights under 15 USC Code 1681i and continue to illegally report false information.
Complaint sub-issue: Account status incorrect

I requested covid-19 assistance from my mortgage company since I am a XXXX XXXX  and was experiencing a significant reduction of hours. I am now on a 3 month unpaid leave. They were able to give me a 3 month forbearance. However, 2 days after they reported to the credit bureau I was notified that my score had decreased by over 70 points. I requested a copy of my credit report and while my payment status was reported as current, I had a negative remark of FOR indicating forbearance. This was the only change on my report. I notified my mortgage company since the Cares Act specifies there should be no negative impact to credit scores resulting from utilizing these provisions intended to help those impacted. I have not had any response from them thus far.
Complaint sub-issue: Their investigation did not fix an error on your report

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Complaint sub-issue: Account status incorrect

I went to a trade school in XXXX the school was called Career colleges of XXXX in XXXX XXXX CA, got shut down while I was taking my course and the school closed due to fraud, I already submitted a paper work to Navient stating the school was shut down. I have been in differed status with my student loans since XXXX and in XXXX for some reason the student loan reported on my credit file as late in XXXX and XXXX of XXXX. That is hurting my credit score the department of education from XXXX stated they were going to remove the late payment history to show as current and they still have not done anything.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently purchased a car through a dealership, XXXX XXXX. A few days after purchasing the vehicle the company who financed the vehicle, XXXX XXXX XXXX, called asking about the deal, where I was informed that the down payment XXXX XXXX asked for was double what I was suppose to pay. After clearing up that issue the week continued. After a week of documentations not being handled, returning the car for break issues, coming to the location about 4 times, and calls not being returned, the dealership gave me a call and asked me to come into the location to sign a missing document. When I arrived at the location I was informed that the finance company backed out the deal because of the down payment issue. I was told by the " finance manager '' that it was my fault the company back out because of the down payment issue. After reminding the man that he was the one who told me and my boyfriend, upon signing the contracts, to bring in the additional {$500.00} two weeks later, I asked to speak to a manager in a position over him. He informed me that they ran my credit again without my authorization and I had no choice, but to either pay the new doubled down payment and higher note through another company or give them the car in a few hours. I left the dealership and called the finance company who informed me the truth. The company had backed out the deal because the company sent over a warranty with someone else 's signature not mine. I also declined the warranty upon finalizing contracts when they asked if I wanted the warranty, they still proceeded to add the warranty after I left the dealership, without my knowledge. The finance company did send the warranty part of the contract, with my disclosed information on it. Also, after deciding to go look at other dealerships. I was informed by a few dealerships that XXXX XXXX " shot XXXX '' my credit everywhere, adding numerous inquiries to my credit. Two dealerships would n't offer to run my credit because of the numerous inquiries. The salesman from XXXX XXXX, then called me and told me to bring in the car his manager is leaving and that " they are doing me a favor. '' The manager would not even speak to me personally when coming in to get a refund. They made me speak to a salesman who never played a part in any of the issues & contracts, who basically tried to make me settle on two more contracts. I denied both contracts and opted to deal with another company.
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XX/XX/2020
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

XXXX XXXX hit me hard and my life havent been same finically I had discover credit card