Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

ALL OF MY STUDENT LOANS WERE PAID OFF BY XXXX. BUT THE LOANS STILL REMAIN ON BOTH OF MY CREDIT AGENCIES AS OPEN. PLUS THEY ARE SAYING THAT I OWE FED LOAN SERVICING  AND THE DEPARTMENT OF EDUCATION AND THEY ARE BOTH IN THE SAME.
Complaint sub-issue: Information belongs to someone else

I'm writing, because i don't recognize this account. I had a problem before, somebody used my information and applied for credit cards. I never had any contracts with this company, i'm not responsible for this debt
Complaint sub-issue: Debt is not yours

I have received multiple email from an individual by the name or XXXX XXXX from TrueAcord claiming that I owe a debt from XXXX  XXXXXXXX XXXX I have never had a credit card or any other debt to that company. It also states on the email that they can no longer sue based on the date of that debt. 

I believe its a scam because when I researched that company and its affiliated XXXX XXXX theres many people complaining that they are being contacted for debt that is not theirs. 

Their phone number is XXXX
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XXXX I attempted to transfer funds from my card to my bank account. I have done this same transaction to the same bank account on 2 occasions before without any issues. This transfer shows as completed on the USBank Reliacard site and the funds are no longer in my card account, but never made it to my bank account. I waited the 5 business days it said it may take for the transfer to process, still nothing. After over 30 attempts to get someone on the phone - numerous hang ups after hearing " we are experiencing exceptionally high call volume '' - I spoke with a representative. They informed me that the transfer had been canceled. When I asked what happened, they did not have an explanation. When I asked why the funds were not returned to my account, they also did not have an explanation. I attempted to get a supervisor on the phone but they refused. I was told to contact the unemployment office. This issue has nothing to do with the unemployment office. The unemployment office deposited the money in the card account as they have done previously. I attempted to move it to my bank account as I have done previously. USBank canceled the transfer, never notified me, has not put the money back in the account, and can not provide any explanation as to how I can get my money, or complete the transfer.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To whom it may concern. I would like to file a complaint on these companies. These things should not be on my credit because I never signed a contract with them. I believe that I am being scammed, because I been paying on bills and I don't owe it to these particular businesses. Please assist me in these matter so that I can better my credit. 

XXXX XXXX XXXX Payment Plan XXXX {$14000.00} XXXX  XXXX XXXX Payment Plan XXXX {$62000.00} XXXX XXXX XXXX XXXX XXXX Chargeoff XXXX {$2800.00} Erc Balance {$940.00} COLLECTIONS XXXX XXXX Balance {$320.00} COLLECTIONS XXXX XXXX XXXX Payment Plan XXXX {$6300.00} Court name : U.S. Bankruptcy CourtDate Filed : XXXXType : Chapter XXXX BankruptcyStatus : FiledReference number : XXXX Court name : U.S. Bankruptcy CourtDate Filed : XXXX : Chapter XXXX BankruptcyStatus : DismissedReference number : XXXX Court name : U.S. Bankruptcy CourtDate Filed : XXXXType : Chapter XXXX BankruptcyStatus : DischargedReference number : XXXX
Complaint sub-issue: Not given enough info to verify debt

I have requested verification and validation from this company and they refuse to provide it to me. I sent them a certified letter requesting this information. They have no provided to me in a timely manner. This is my formal and last request for this information. You can email this information or mail. My email is XXXXXXXXXXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Last XXXX of my ssn are XXXX and my date of birth is XXXX. This information needs to be removed off of my credit since you can not comply with the law. I will file a suit against your company if needed to protect my rights. I also see that you are based out of XXXX.. Are you bonded to collect in my state?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I  XXXX   XXXX  am writing this request due to incorrect reporting on my credit file.     I went into  XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   ). On  XXXX ,  XXXX  because  XXXX   XXXX , called my call phone and had told me that I had won a vacation from my last purchase. I was hesitate originally but I went in a few days later. I filled out the form for the " Vacation and booking ''. And then the next day I get a credit alert that I had applied for credit.     I went back to  XXXX   XXXX . I then spoke with Owner  XXXX   XXXX  and Co Owner ...  XXXX   XXXX . I was assured that this credit mark would be removed and that they would submit a dispute to you ; the credit bureau.     Since  XXXX  I have not had any resolution with getting this unauthorized inquiry removed and deleted from my credit file.     I have submitted this same kind of dispute to all three credit bureaus and still no response. I have also attracted a letter signed and dated by  XXXX   XXXX  that the credit pull on  XXXX / XXXX / XXXX  and in  XXXX / XXXX / XXXX  were both unauthorized and should not have been pulled on my credit just for a promotional vacation offer. Also somehow my credit filled was pulled and my score was lower again on  XXXX / XXXX / XXXX . There was no explanation on how or why my credit was pulled this time either. I had n't even been into   XXXX   XXXX   office since the last incident. I have attached a copy of the letters and also a re typed copy of the letter just in case it 's hard to read. I had to call the police because  XXXX   Attacked  me trying to take the letter back after I threatened to sue him for ruining my credit report.     I am asking that  XXXX   XXXX   Inquiry be removed My  my credit file. As for I did not give the company permission to pull my credit file. They also submitted my credit information to  XXXX  other company 's without authorization or consent.     Including :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MN  XXXX  The inquiry was submitted on  XXXX   XXXX  and on  XXXX   XXXX ,  XXXX  without authorization or consent.     2.   XXXX   XXXX   XXXX   3  XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  The inquiry was submitted on  XXXX   XXXX ,  XXXX  and again on  XXXX   XXXX ,  XXXX . Both without authorization or consent.      XXXX .  XXXX   XXXX  Services  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  The inquiry was submitted on  XXXX   XXXX ,  XXXX  and again on  XXXX   XXXX ,  XXXX . Both without authorization or consent.     4.   XXXX   XXXX   XXXX  nce  XXXX   XXXX   XXXX   XXXX   XXXX , TX,  XXXX  The inquiry was submitted on  XXXX   XXXX ,  XXXX  Without authorization or consent.      5.    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , CA  XXXX  The inquiry was submitted on  XXXX   XXXX ,  XXXX . Both without authorization or consent.
Complaint sub-issue: Account status

While I was in law school I received a phone call from ProCollect, Inc., and a letter to my mother 's address claiming I had a balance on my account for a medical visit. When I asked for documentation so I could pay the bill, they refused and demanded payment of the amount stated verbally. I had no recollection of a past visit to which I owed a balance. I responded in writing to the letter and received no response. When I followed up online via their Chat assistance, they claimed it was for a visit in the XXXX XXXX area on a date I was in XXXX, Texas, and at a hospital I have never been to. Also, I have always had health insurance and anytime I went to the hospital it would have been filed on the insurance for my records and I would have had to made a co-pay the date of the visit. My insurance records show no evidence of a Doctor 's visit on the date stated either. Now, ProCollect, Inc., has reported the debt but claimed it was " PAID '' on my credit report. This makes no sense as I have never made any payment to the company, I have disputed the charge and requested proof of my balance to which none has ever been received.
Complaint sub-issue: Their investigation did not fix an error on your report

I 'm a victim of identity theft and account 's was open on my name that I was n't aware of from XXXX XXXX XXXX XXXX has of XX/XX/2016 # 1. Installment Loan accounts number XXXX has appeared on my credit report # 2.Credit Card account number XXXX has appeared on my credit report I would like these account to be removed from my credit report I ad send a copy of police report to. the credit bureaus also
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I initiated a cash transfer to my XXXX XXXX XXXX XXXX ( XXXX ) Visa Account for {$8200.00} on XXXX XXXX from my Discover Credit Card. 
XXXX had not received the payment as XX/XX/2022, and the balance of {$8200.00} was showing on both cards. 
I called Discover and XXXX in a XXXX way call. XXXX asked Discover to provide them with a trace ID as this was an electronic payment from Discover to XXXX. Discover was unable to provide me or XXXX with any proof of payment. Discover failed to connect me with a supervisor who could resolve the problem. 
Discover refused to remove the disputed charge from my credit card so I am now paying interest on both Discover and XXXX for this charge. It also affects my credit score. 
The Discover case number is XXXX.
Complaint sub-issue: Account terms

XXXX started reporting a collection that is outside the 7 year statute of limitations when they acquired it XX/XX/2015. I have disputed this on a couple of occasions now and have been ignored on my attempts. I have asked the bureaus to contact XXXX through and investigation and demand they provide all the documentation they should have to collect this according to the FDCPA. They have not done so and are illegally reporting this.
Complaint sub-issue: Old information reappears or never goes away

My mortgage account was last paid on XX/XX/XXXX and was previously deleted from my credit report but reappeared on or around XXXX. In addition, the property was sold at auction in XX/XX/XXXX but the reports are still showing a balance and amount due which seem to be a FCRA violation. Washington is a non-recourse state. I desire to have this old account deleted from my equifax report. I have already tried the equifax dispute process to no avail.
Complaint sub-issue: Information belongs to someone else

Re : Equifax Dear Equifax, This is a declaration of your negligence to abide by THE FAIR CREDIT REPORTING ACT enacted by Congress. XXXX XXXX XXXX XXXX. closed account # XXXX. A request to deleted this account was submitted to the three major consumer reporting agencies during the next reporting. However, this account which was deemed as fraudulently open is still reporting on my credit file. In spite of that, you have also exceed the 30 day period mark for credit reporting agencies to investigate disputes additional time was given to resolve this matter. Your company as well as XXXX XXXX XXXX XXXX. both received notarized copies of an identity-theft report and identity affidavit via certified mail. As a result, further collection efforts were terminate then a request to deleted from all 3 credit reporting agencies without coincidence by XXXX XXXX XXXX XXXX. Knowingly reporting information known to be fraudulent is unethical and shall lead to litigious action as wells as civil and punitive damages if this accountq is not deleted. Please be advise that this is also a serious offense of defamation of character whereas misrepresenting my name with creditors for debtors I am not associate with. You have 15 days to deleted this account otherwise there shall be legal action taken. 

Thank you..
Complaint sub-issue: Trouble with how payments are being handled

FedLoan  servicing has continually placed me into retroactive administrative forbearance on loan sequences 01 and 02 during times of repayment, while I have been employed by a PSLF-eligible employer, and even while my loans were being serviced by another federal student loan servicer ( XXXX ). In response to CFPB complaints XXXX-XXXX and XXXX-XXXX, FedLoan removed this retroactive forbearance status but in accordance with a letter dated XX/XX/2019 has reapplied it again. Additionally, in accordance with CFPB complaint XXXX-XXXX, XXXX, my prior servicer, verified that I was in repayment with them during part of the time that FedLoan seeks to retroactively claim administrative forbearance and erase my payment history. I am concerned that FedLoan is attempting to erase time during which my loan was technically in repayment status and that they continue to make this error over and over again with no end in sight.
Complaint sub-issue: Investigation took more than 30 days

XXXX  - XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax Hello , I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Complaint sub-issue: Not given enough info to verify debt

I file a Police Report as you will see in the attachment, Because this account of Radio Shack it is included it as Identity theft/Fraud. 
I Reported it XX/XX/XXXX that I have lost/stolen the Credit Card, However they Radio Schack continue claiming that they had verified the account by checking that the Credit Card was issue in my name and the address matches their files, therefore the Account is mine, however I have continued asking myself Why Creditors just by telling the that my name and social security number and my address matches their files therefore the investigation is completed it so now I am responsible, since they have exhausted their efforts by investigating this account, I decided to investigate myself the account I wrote a letter on XXXX XXXX, XXXX ( See Attachment ) requesting documentation that the law allows me to request under the Section 609 ( e ) of the Fair Credit Reporting Act to find out or to acquired Radio Shack Investigation report and all the documents stated in my letter, they ignored me that tells me a lot in not trusting their investigations. 
On top I found today by an Alert Message I received from XXXX that Radio Shack continue reporting to the Credit Bureaus every single month, that the account is over the limit Creating a big impact on my Credit Report and Score unnecessary because in fact this account was closed when I reported it the credit card lost/stolen XX/XX/XXXX, if this account is closed why they are continue reporting this account that is over the credit limit when has been close for years, at least this what the representative told me XX/XX/XXXX but the funny thing is that they never sent me another card it remains closed. the I reported it as Identity theft the account should not be reported it to Credit Bureaus when there is an Identity Theft/fraud issue. 
This account should be Removed/Deleted for Non complying to respond to my letter dated XXXX XXXX, XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Back in XXXX, we were looking at moving companies. I authorized a down payment for a moving company to book the service and lock in the rate. Come to find out that they lied to us and doubled the price. We told them we weren't going to be doing business with them and they charged the card for {$1000.00} without our consent. I brought it up to Citi and for MONTHS have been bounced around to different departments but they refuse to help me. The response I got was " you gave your card number to a company. You therefore authorized them to use your card for their transactions even if you didn't sign off on this charge. '' That's completely unacceptable and insane to think that they can charge my card for whatever amount they want without my consent and it's okay because I 'gave them my card number '. That's exactly the definition of a unauthorized charge. Citi has refused to escalate my dispute further and refuses to help me with this transaction.
Complaint sub-issue: Information belongs to someone else

I am asking for the XXXX Charge account to be removed off my credit report. I have made several complaints about the account and this account does not belong to me. This account was solely opened as a result of identity theft.Please remove this account off my credit report
Complaint sub-issue: Problem with product or service terms changing

XXXX  XXXX agreed to report the deferment to credit beauers due to late payment because of me being a victim of disaster and due to covid -19 losing employment. However, I was able to pay all past due amount to the current but it shows the late payments that they agree to report as paid.
Complaint sub-issue: Information is not mine

I have sent numerous emails pertaining to a Timeshare that I did not sign up for, I believe an ex-friend of mine, used my ID an obtained this credit along with other creditors.
Complaint sub-issue: Personal information incorrect

The Three credit companies are reporting inaccurate infomation on my credit report. I sent this letter to all three competes and the onlt remove one or two name that is showing on the report. I would like all name that is not my name to be removed. They are also remorting address that i never lived at. I have never used these names and address that is being reported. Please see the letter below with the correct information. 


To whom this may concern, I recently retrieved my credit report. I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows This is my legal name XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 

Please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX CA XXXX Please remove ANY other information you are currently reporting as they are NOT accurate. I have attached my Identification card as well as a recent copy of my bank statement, utility bill, ID for your verification Thank you for your assistance. 


Sincerely. 
XXXX XXXX
Complaint sub-issue: Personal information incorrect

My credit report is saying Im deceased which I am not
Complaint sub-issue: Investigation took more than 30 days

I've sent certified letters to XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX on XX/XX/2018 It has been well over 30 days ago requesting validation for the alleged debts. I have not received a response and have not received any validation as I requested. I have then sent certified letters with supporting receipts to XXXX  and XXXX requesting to remove these accounts from my credit file. My rights and F.C.R.A law is being violated! The accounts have not been verified 100 %. XXXX XXXX XXXX sent a collection letter stating that they have received an XXXX  dispute online from me which is not true. They are basically admitting to using XXXX. Any automated response or XXXX  verification is unacceptable. If the CRA can not provide physical verification of the account it is an UNVERIFIED account and must be deleted. I have also received a letter from the Clerk Of Court stating that they do not release information to collection agencies and credit bureaus. 

I've uploaded copies of certified receipt and documents
Complaint sub-issue: Information belongs to someone else

My wife and I have been a victim of identity theft. We have never opened a joint account or done a rental agreement together. We have been trying to remove this from our report since we first found out 4 years ago. These accounts on my report and inquiries are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX XXXXXXXX {$530.00} XXXX XXXX XXXX XXXX {$290.00XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX {$200.00} XXXX XXXX {$220.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00}
Complaint sub-issue: Information belongs to someone else

I am reaching out to the CFPB in direct complaint as I am a I have tried to deal directly with the credit reporting agencies, yet to no avail. This is my third attempt as the credit reporting agencies have not adhered to FCRA 605b which specifically states that all accounts identified through law enforcement in an Identity Theft occurance are to be blocked. These are the accounts that this Reporting Agency has failed to address : 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: You never received your bill or did not know a payment was due

To whom it may concern, We have had a credit card with Discover for several years. During this time it was supposed to be set up for automatic payments for the minimum balance due and we would then pay the balance once every month or two.

Recently we received a derogatory mark on our credit report from Discover. After reaching out to them they indicated our payment was late and there was nothing they could do to help us. I informed them of our autopay situation and they said you are not set up on autopay we can't help you. I informed them we'd changed banks in XXXX and given them the updated banking information but they said they had no record of it so it was our problem. 
Discover never notified me of a failed payment and did not send any notification that my bill was past due. They simply applied their late fee and gave me a derogatory mark, which is my only missed payment in my entire life. 
I attempted to reach out to their executive relations team via email and received a paper letter several weeks later, with no direct contact or reach out. 
Discover needs to rescind this inaccurate late payment mark from it's records and my credit reporting - I am not responsible for the failure of their company or their website. 

Thank you for your time, XXXX & XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX these accounts below has violated my rights. 


Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXXt # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX Account Name XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) Account # XXXX Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX ) Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account XXXX XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.