Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

Pro collect is the collection company and for the last five years I have been disputing and resending over proofs that this is not my apartment. Today I spoke with a few managers one female name XXXX and one make I forgot his name and they both were extremely unprofessional. They told me they dont care about what I say I owe for this debt and I will pay it and that I am a liar even though I provided them proof. They screamed and hollered at me as if I was one of their children and yes I did return the total disrespect after calmly trying to resolve the issue. The line is recorded so you all can request the call from Wednesday XX/XX/2021 starting at XXXX XXXX  and the last call and rude encounters being at XXXX XXXX eastern time for proof of them admitting I do not owe the balance they are providing on my credit report and they they are initially depriving my children and I of a decent place to stay. The amount Im fraudulently being accused of {$5500.00}.
Complaint sub-issue: Trouble with how payments are being handled

Back in XX/XX/XXXX, I resubmitted my employer certification forms for the past 5 years essentially. ( XXXXonwards ). With the new PSLF waiver : " Past periods of repayment will now count regardless of whether you made a payment, made that payment on time, for the full amount due, on a qualifying repayment plan. '' So after i submitted my Employer certification form, I never received updated payments on 7 ineligible payments I made back from XXXX. I was told after about 3-4 months, I should verbally call for a recount. This would cost me about XXXX if not included, as I would have to make those payments later on under a different income. These ineligible payments were at a time period where there was little information given on how to qualify for PSLF. Payments as low as XXXX cents that were missed. 

I attempted to contact myfedloan multiple times, including most recently today XX/XX/XXXX. The only thing that happens, is I get transferred over to another PSLF department, and never get through to anyone. I have the ID # of the phone call if that helps, who transferred me again to PSLF department and have been waiting >30min with no person I've been able to ask for an official recount on those payments.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2020 the company XXXX advised me that a full refund would be on the account. They advised that the credit would appear in 10 days. It has now passed this timeframe and the email states that the credit would appear as of XX/XX/2020 I contacted Citibank that is affiliated with the Best Buy Visa Card. The amount of money that is due to be credited to me is {$530.00} this has yet to be seen on the Visa statement that is in dispute. The Citibank Visa Department has yet to handle this as they sent me to fraud which they advised is closed. This card is showing a huge balance and reporting incorrectly with the credit bureaus. I have advised them and the company which is big has been failing to make the corrections to my balance to correct my bureau for credit.
Complaint sub-issue: Information belongs to someone else

Hello I'm reaching back out to you guys because there are still items on my credit that is not mine and on top of that its two more items since then that is not mine. XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Can someone please help me with getting this off my credit.
Complaint sub-issue: Account status incorrect

Cashcall is reporting my account included in bankruptcy which is a violation of the bankruptcy filing law. 
I also requested a copy of a signed contract since I have had multiple account which were paid in full. I have not received a copy of my signed contract and the payment schedule that sent me was for one year of payments when they are reporting two years of payments. 
They also are reporting multiple lates on this account for the months of XX/XX/XXXX and XX/XX/XXXX 60 days late and 30 days late. Their payment schedule is had to read and doesnt show a 60 day late payment.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  Acct # XXXX ... XXXX XXXX XXXX  Acct # XXXX ... XXXX Acct XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXe credit has violated my rights 15 U.S.C 1681 602 A. States I have the right to privacy.

15 U.SC. 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Threatened or suggested your credit would be damaged

I received a call from Conns on XX/XX/2022 attempting to collect payment on my account, rightfully so. I spoke to a guy named XXXX XXXX set up payment arrangements with so that my account could be paid on XX/XX/2022. After I set this arrangement he tried to get me to pay half sooner, I declined, he then stated that I would get late fees, I let him know I understood. Lastly, I asked if the calls would stop since I made arrangements. XXXX then told me that they would report my account as a way to deceive me into making a payment sooner. I never asked anything about credit reporting. I am making this report as I feel that these deceptive practices may be happening not only to me, but to other customers.
Complaint sub-issue: Public record information inaccurate

On XX/XX/2021, I sent in a dispute letter to remove inaccurate information from my credit file. I have tried calling Equifax and was informed that my dispute letters has not been received. This is the 3rd month in a row that Equifax has failed to investigate my dispute letters. I have a bankruptcy being reported that is inaccurate and not properly verified. I have contacted the court and they advised me that, they do NOT furnish bankruptcy information to any of the credit bureaus. I was also advised that only the last 4 of my SSN is provided to public record databases. So I am confused, as to how this information was verified as accurate and was placed on my credit report. I have asked Equifax on several different occasions how and through what source was this information verified, so that I may contact the source to correct the inaccuracies. I have yet to receive a response from Equifax and this is a clear violation of my consumer rights.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Mid XXXX I received a Collection letter from IC Sytems stating I owe {$41.00} to XXXX XXXX which is False and fully disputed. Upon receiving letter I called IC SYSTEMS to verify the information and to let them know I would be disputing the said debt. The collector verified the XXXX number I was calling in from and Identified as my cell phone and requested Cease and desisted all call to my cellphone. 
I sent in written my dispute and requested all itemised statements, contracts and validity of this debt. 

First week in XXXX I received some fraudulent typed letter ( see attached ) Saying I owe with no detailed explanation, contracts. Payments, receipts and statement to pay.

Per REGULATION F this is a violation of a valid debt. There is no leagal documentation or binding contract from original creditor.

SECOND. I started receiving numerous calls to my CELLPHONE, from multiple numbers. They would hang up on me. A representative finally answered and IDENTIFIED IC SYSTEMS AND A DEBT.

I advised that I requested a cease and desist from my cell phone and I was transferred a coulple times where I was told I need to put NO CALLS TO MY CELL PHONE IN WRITING WHICH IS A BLATANT LIE!! This is harassment for a debt that is not valid.
Complaint sub-issue: Other problem

I made an overpayment to my Citi card ending with XXXX on XX/XX/XXXX, so I contacted Citi on XX/XX/XXXX to request a refund for this overpayment via ACH to my checking account on file with Citi. 

I was told it would take 3-5 business days to process it. 


I did not get it so I contacted Citi again on XX/XX/XXXX, and I was told the refund would be initiated on XX/XX/XXXX, and I need to wait another 3 business days. 

I have done this ACH refund before and I know it usually won't take that long. I checked with Citi on XX/XX/XXXX, and I was told to wait for 3 business days. So I checked my checking account on XX/XX/XXXX, I still did not get the refund. I contacted citi again, and I was assured that I would get it on XX/XX/XXXX XXXX. 

On XX/XX/XXXX, i do not get the refund. I contacted Citi and I spoke with a supervisor about this issue. I was told that the refund request is still under review before it could be processed. I asked how long it would take for the review to be completed, but I was never given any definite information. 

On XX/XX/XXXX, I was told that Citi declined my request to refund my overpayment. 

I do not understand why Citi would not refund my overpayment since this is my money.
Complaint sub-issue: Problem during payment process

Citi Bank Credit Cards accepted and cashed a check from XXXX XXXX for {$7700.00} on XX/XX/XXXX and still has not applied the payment to my account. This has forced me to make additional payments on the account and incur interest charges and they refuse to quickly fix this issue and have blatantly lied that they see the payment in a processed stated on my account. They said that they would open up an internal investigation but again nothing was heard from them on this issue, the second payment cycle is coming up and the still refuse to do anything about this issue.
Complaint sub-issue: Investigation took more than 30 days

Hi I am submitting this XXXX XXXX without 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 719XXXX 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 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 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Complaint sub-issue: Deposits and withdrawals

On XXXX I deposited a payroll check for XXXX. The bank made XXXX immediately available. Once I spent the XXXX, the bank decided to place a 10 day hold on the entirety on the XXXX XXXX check and took back the XXXX available. This caused my account to go into the negative XXXX, which they are now charging over draft fees. My account is over the required 30 days, never been in overdraft and account in good standing. This practice is to generate overdraft fees for accounts that are in good standing and risk adverse. Plus a 10 hold for a government check, where funds should be made available the next business day.
Complaint sub-issue: Their investigation did not fix an error on your report

Still many inaccurately reported items. Have disputed this multiple times. The inaccurate information violates my rights under FCRA. Please see proof of most recent report and inaccurate items with red check, between XXXX  and Equifax. Delete immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Dear Equifax : It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumer 's credit report. Demonstrate that the hard inquiry for XXXX XXXX XXXX dated XXXX 2016 met this requirement, pursuant to the Act.
Complaint sub-issue: Can't temporarily postpone payments

My doctor signed a form classifying me XXXX incapable of working around XX/XX/XXXX, this is why my job the Veterans Medical Center ( VA ) where I worked retired me and pays me annuity for XXXX incapable of working. Then the same XXXX form was given to the Social Security Administration and social security pays me for being XXXX. I mailed these forms to Department of education and they still took money out of my check 10 years ago. Department of education ask for another form from my doctor and I had my doctor sign the form stating I am permanently XXXX incapable of working and mailed it to them again. I have had XXXX different doctors sign forms for XXXX and I have mailed them in and the department of education still takes money out my check. I am trying to upload you papers. I mailed NELNET hardship forms also and I have emailed NELNET forms signed by my doctor permanently disable as recently signed XX/XX/XXXX. Yet they still take money out of my check. I want all my money back from the last 10 years, I have records of all of it. I mailed the Department of education and NELNET numerous signed doctors forms stating I XXXX, Social Security Administration pays me because I gave them a doctors form stating I am XXXX and the VA pays me a XXXX annuity ( my own job ) and they still take my money.
Complaint sub-issue: Trouble using the card to spend money in a store or online

On XX/XX/XXXX I received a {$200.00} XXXX  card from my parents ending in XXXX to Best Buy. I tried using that card on XX/XX/XXXX ( see attachment ) to buy a set of XXXX XXXX XXXX, best buy order number ( # XXXX ). I selected courier shipment for same day delivery. My order was not delivered. On XX/XX/XXXX I received an email stating that my order could not be delivered and it was returned. See attachment for email and receipt for return transaction taken place on XX/XX/2022 at XXXX. 

Note the email states : " Unfortunately, XXXX was unable to deliver your package so they're returning it to us. 

We'll begin processing your refund for the item ( s ) included in your package as soon as we receive the return. For more details, see the What You Need to Know section below. '' Then under the " What You Need to Know section '' it states : " If you used a Best Buy gift card, it will be credited with the refund amount ; if you no longer have your gift card, contact us and we'll send a replacement '' The original gift card ending in XXXX has a balance of {$0.00}. 

On the return receipt it shows that a gift card with {$200.00}, ending in XXXX, was issued. This return was performed by the store, I was never there ( as I elected courier shipping via XXXX ). 

I tried contacting best buy customer service ; they stated I had to contact a third party at XXXX. That third party could not find the order using the full XXXXXXXX XXXX card number ; they said without the original order number of the gift card they can not help me ; I do not have this as it was a gift. I tried calling Best Buy 's XXXX  card center at XXXX. They state that without the original order number they could not help me ; they could not look up the order with my email address as the recipient. This is rather frustrating and I feel Best Buy is harming consumers by requiring a gift card recipient to have the order number for the gift card, it's a gift! Why would the recipient have that!? 

I find it very frustrating to be pushed from XXXX call center to the next ( XXXX in total ) and no one can help me. I feel like someone at the store issued a gift card ending in XXXX to someone who was not me and stole the {$200.00}.
Complaint sub-issue: Didn't receive enough information to verify debt

I am filing a complaint because I have received a letter from Jefferson Capital on a debt that I owe to XXXX. I have already contacted XXXX, and they said everything is fine on my account, and that there is no money that is owed. This letter came out of nowhere, and there is nothing to justify the debt, other than me owing money for no reason. I've tried the steps on the letter to check there website, and check the account that I supposedly owed, and the account does not show up.
Complaint sub-issue: Card was charged for something you did not purchase with the card

The beginning of XXXX, I got a call from another card questiong a charge to my account of {$400.00} from XXXX XXXX, MN. I advised them I did not make the charge and to not accept any further charges from XXXX XXXX. 

At that time I called my 4 charge cards and told them NOT to honor any XXXX XXXX XXXX for {$400.00}. They all took my request seriously and did not allow any more charges specifically XXXX XXXX, MN for {$400.00} I called Discover also. XXXX XXXX continued from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, all for {$40000.00}, XX/XX/XXXX & XXXX, XXXX XXXX ), XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX charges for {$400.00} - XX/XX/XXXX XXXX XXXX again {$420.00}. LOOK AT ALL THE CONSEQUTIVE CHARGES MADE ON MY ACCOUNT with 4 on XX/XX/XXXX alone. 

NO ONE PICKED UP ON THIS ABNORMAL BEHAVIOR. I NEVER GOT A CALL QUESTIONING THE VALIDITY OF THE CHARGES!
Complaint sub-issue: Was not notified of investigation status or results

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report 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. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

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. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. 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. The following account was a Charge-off. XXXX should be XXXX. 
US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX XXXX & XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
US DEPT ED Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account was a Charge-off. XXXX should be XXXX. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 



* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Complaint sub-issue: Debt was paid

XXXX XXXX has sent a bill to collections that was already settled. They are charging me for a modem that was sent back a long time ago. They say they have no record of this. I have researched XXXX XXXX and there are numerous reports of other customers who have had this problem with XXXX XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hello, my name is XXXX XXXX. 

I making a consumer report over charges from the city bank. 
on XXXX XX/XX/2022, I purchase a tablet on Sear on line for {$200.00} I call Sear to returne the Item On XX/XX/2022. 
The bank knew that I was in the procces return transaction They did'not consider it.

but the point of all this, is the are charging my card and my bank account twice the same amount of {$200.00} I talk to the Costumer Service Credit, sear XXXX about it and he said the is a printing mistake I send you. a copy that I took from my online account.
Complaint sub-issue: Can't temporarily delay making payments

I have had my student loans refinanced by Mohela XXXX. I was a XXXX XXXX   XXXX at The XXXX  XXXX  at the City University of XXXX XXXX since fall 2019. The registrar and I sent in an in-school deferment form ( which Mohela made very difficult to get a hold of to begin with ) six times. They kept claiming they didnt receive it. I was still making payments while in school because I didnt want problems. Finally in XXXX, I stopped paying because my registrar said they got a confirmation that mohela received my in-school deferment. 

Mohela then reported me being three months delinquent on my account and said they cant accept the inschool deferment because we didnt submit it in time. So now they messed up my credit and charged me tons of fees even though I was a full time student.