Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Told you not to respond to a lawsuit they filed against you

Company called me about an a vehicle I had and was totaled I told them issue was resolved with the insurance they said no that original creditor Had placed the debt collection with them but that I could settle for less amounts and I offered to pay {$1000.00} which I did they sent me a settlement letter and I thought I was done with that one month after I received that I owe XXXX almost {$5000.00} to another collection agent for the same situation And I spoke to them and they said that premier holdings did not forward any information to them or Forward the {$1000.00} to the original creditor so now I have a judgment against me and they have frozen my bank accounts and I have nothing
Complaint sub-issue: Information belongs to someone else

I have been disputing Fraudulent Information on my credit report since XX/XX/2022. I have been waiting for the response from the Credit Bureaus but up until now, I haven't gotten anything from them. Regardless of the previous written request, the unverified items listed below are still reporting on my credit report in violation of federal law. The XXXX, XXXX, and Equifax Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I am requesting this information to be reviewed for completeness and accuracy and appropriateness. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

Hello, I recently transferred all of my loans to fed loan servicing ( as to prepare to qualify for PSLF ) and have run into several problems with this agency. On  XXXX   XXXX  I received notification that my re-certification for income driven repayment was due. I submitted all necessary paperwork  XXXX   XXXX  however my re-certification was denied. When I spoke on the phone with fed loan servicing they stated that I applied too early, however per the letter I received in the mail re-certification is due by  XXXX   XXXX  and so submitting  XXXX   XXXX  does not qualify as being " too early. '' The customer service representative did not understand what was going on and submitted my case to be " reviewed '' however I am very worried, given the number of errors that have already occurred with this agency, that this will not be done in a timely manner. I fear that I will miss the deadline ( even though I have already submitted all necessary paperwork ) and will thus forfeit my ability to continue to use IDR. Please note that I do have  XXXX  re-certification dates,  XXXX  in  XXXX   ( f or which I received the recert letter mentioned above  )  and  XXXX  in  XXXX .     Thank you very much for your time in this matter.     Sincerely,  XXXX   XXXX  Attachments :  ( 1 ) L etters from  XXXX  dated  XXXX   XXXX ,    2017  requesting me to submit  IDR  annual re-certification ; (  2 )  my IDR re-certification paperwork ( with my tax return ) submitted on  XXXX   XXXX  ; and  ( 3 ) email f rom MyFedLoan on  XXXX   XXXX  indicating that my IDR annual re-certification was denied. All attachments are assembled into a single PDF file.
Complaint sub-issue: Personal information incorrect

I purchased the vehicle when I had just started my job back in 2018, working part time. I was given an astronomical rate due to being miss informed and a young minority in a desperate situation. After a few years I lost my job and was unable to regularly maintain paying my car note. Especially after I had to replace the engine within the first few days of owning the car and replace the Transmission in the first year. I contacted the creditor and informed them of my situation and they were unconcerned to say the least everytime. I was threatened with late payment and repossession. At a point my vehicle was physically taken but never repossessed. I payed the owing balance. My car was also in a auto accident that still isnt settled. So I paid my car off my self. I've disputed the multiple lates the account created I am hoping to have the account totally removed from my credit history due to the misreporting of information.
Complaint sub-issue: Account information incorrect

In accordance with the fair credit reporting act XXXX Account XXXX ( XXXX XXXX ) has violated my rights. 

15 USC 1681 Section 602 I have the right to privacy.

15 USC 1681 section 604 A section 2 it also states that a consumer agency can not furnish a written statement without my instruction. 

15 USC 1666B : A creditor may not treat a payment On a car loan Account under an open end consumer credit plan for any purpose.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

ATTN : EXECUTIVE OFFICE AFFIDAVIT OF TRUTH Notice to all, I am that I am, the consumer in fact the natural person original creditor, lender, executor, administrator, holder, in due course for any and all derivatives thereof for the surname/ given name XXXX , XXXX , and I have been appointed and accept being the executor both public and private for all matter proceeding and I hereby claim that I will d/b/a XXXX XXXX and autograph as the agent attorney in fact so be it. 

Where as, I of age, of majority, given this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that maybe, and I depose the following facts, so be it, now present : Fact, The FAIR DEBT COLLECTION PRACTICES ACT is intended to secure my right to privacy and my privacy has been breached so be it. 



Fact, Pursuant to 15 USC 1681 ( B ) ( 2 ) I am requesting that your company produce a contract with my signature granting the permission to furnish these accounts to my consumer report. Pursuant to 15 USC 1681 no consumer report shall include factual information or credit transactions. Your company is in violation of Federal Law. Due to identity theft these fraudulent accounts have damaged my credit worthiness. 

I did not authorize the following accounts : - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX  XXXX - US DEPT OF ED/XXXX  Fact, I am sure the removal of these accounts from your company records or any and all derivatives therefore of and or with any affiliates will ensure my privacy rights will not be violated again due to my lack of consent and this herein unrebutted AFFIDAVIT OF TRUTH being serviced to you today and therefore standing as truth in commerce so be it. 

Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your website in order to avoid me receiving further injury, damages, XXXX XXXX, and losses due to me being a victim of identity theft, so be it.
Complaint sub-issue: Trouble getting information about the card

I have been charged inactivity fees on 3 US Bank gift cards, each had {$50.00} dollars. Gift card numbers ended in XXXX, XXXX, XXXX. I was charged fees until the balance was {$0.00} dollars. 
I reached out to US Bank, to explain my situation and I received a letter stating they will refund each of my cards one years worth of inactivity fees, {$24.00} dollars back to each card. The letter requested that I submit photos of my gift cards to a Us Bank email they provided so that I can get my money back. 
I have not heard back since XX/XX/2020. I contacted the email 2 times, all I ever received was a reply to call a customer service phone number. I called and was told to call a different number. I called and they said there is no record of this email address or my giftcards. I was told there is no email address they have or dept for giftcards that I can forward a copy of my letter to. I was put on hold for more than a hour and nothing was resolved.All they did was give a mailing address and told me to write in about my problem. 
I feel that they are giving me the run around and making the process of returning my money very difficult. Its bad enough I lost my money through inactivity fees and that they are only willing to return a portion of the original amount. My cards have not yet expired by the way, the date is still valid. But to make it this hard to get back a small amount of money is ridiculous. This makes me feel like this whole company and their operation is a scam. How can it be that a company this big has no email address to contact? Honestly, to sell a giftcard and have the consumer spend money on it, only to have the money taken back through fees is bad, but to make it this hard to be able to reach the right dept is unbelievable. Terrible, terrible customer service. Never had a problem with any other giftcard like this.
Complaint sub-issue: Debt is not yours

1.I have never had an account with this company I C SYSTEM XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are I C SYSTEM the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Complaint sub-issue: Account status incorrect

On my credit report you listed that I have a collection/chargeoff from your company. Please provide signed documents with my signature or any other documents showing I supposedly have a collection/chargeoff with your company. I have never been to college and I do not have any student loans. Please provide me with all written documentation within 10 days or this is a violation and you must DELETE it from my credit report. I only want you to respond via CFPB. Thank you
Complaint sub-issue: Account information incorrect

I have submitted a complaint previously stating that XXXX XXXX listed two late payments on my account in XX/XX/XXXX and XX/XX/XXXX that were paid on time and I provided proof. Equifax and XXXX  both sided with my dispute and altered the inaccurate information reflected on my account. Several months later the creditor changed the information back to the inaccurate version, and now the false late payments show up on my account again as I'm trying to qualify for a mortgage. These supposed late payments were already proven to be false -- all payments have been made on time.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX wrongly reported to XXXX XXXX sale of vehicle XXXX, same year my hubby XXXX XXXX ... Having Asked both XXXX & equifx to remove from hard inquiry % acct as My son was to purchase for me but before any papers were signed, As we sat there, I called him to relate fees, finding he could not help me trade in my 15 yr ole ' XXXX XXXX XXXX So NO papers were signed. Papers were wronlly sent to XXXX. 
When Contacting XXXX in XXXX, they say they have no acct # yet they do not cancel here in my XXXX acct. last wk, reporting again to XXXX XXXX, both are off my XXXX acct. but not eXXXX.etc.. I pray I may be able to get a small loan to purchase a new home when I find the right one. & trade in my now 17 yr ole ' van..I Thank You. 

What I owe now & diligently paying on is for having improved a home I was lied to about condition on purchase, Because of seriously repairing & $ conditions, my ins. co dropped me, credit was damaged etc. & & i am still paying for w/my good XXXX Have Up graded & Sold that unloved house & purchased a lesser value home..Please help clear my good name.
Complaint sub-issue: Was not notified of investigation status or results

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past XXXX days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of XXXX times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX have violated my rights. 

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 an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

The following credit inquiry listed on my Equifax credit report is fraudulent and unauthorized : XXXX XXXX/XXXX
Complaint sub-issue: Account information incorrect

My credit report is still showing old MEDICAL debt that was in collections. Four different accounts are still listed and each account is under {$500.00}. Per the new law, XX/XX/2023 this should be removed. Their DISPUTE department has been continually down and they are unable to address.
Complaint sub-issue: Information belongs to someone else

XXXX  XXXX - This is a complaint against the timeshare XXXX. The account mentioned, has appeared in my report multiple times but has already been deleted before but it re-appeared with the same account number, & is reporting negative. I spoke with their people ( I remember XXXX XXXX ) who were introduced as representatives of XXXX rather than a salesperson. I was told I am making good financial investment, because the resale value would go up & that I can actually make money from it by renting it out to people thus earning me rental income or once I finished paying them, I could resell it to a higher price. They also said it has some tax benefits. They offered me gifts like a certificate to use for 2 years instead of using credits, which I never got to used because I never got them as promised. I felt pressured and rushed when they told me it's my last chance at the lowest price. I felt I am being given a special opportunity to get this, saying they needed " corporate '' approval in order to grant me the price being offered. They opened a credit card for me, they are the ones who did the entire process, signing the application, they did everything for me without me realizing it. I never even received a copy of the application nor was I informed of the fees. They didn't even allow me to read and fully understand the contract and they never gave me an original copy of the contract or any deed from other contracts. Everything felt rushed, I was even threatened that I only had that day to decide. One more problem was that I wasn't made aware of the cancellation process, They didn't even proactively educated me as to how many days to cancel. XXXX XXXX told me to call her if I wanted to cancel, I've made phone calls to her requesting to cancel, I've left messages but I never got any replies. I was XXXX years old when I dealt with them, and now I am at XXXX, I already have some medical conditions, & having this timeshare just doesn't help someone as old as me, I have limited income because I'm retired, so I'm having financial difficulties meeting my bills, I even lose sleep over the stress caused by this timeshare. This timeshare has been very stressful for me and to make it worse, they're constantly calling me for payments everyday. I've had the worst experience with this timeshare, the pressure used by their representatives, the amount of time it takes, the false promises they told me but most of all the constant manipulation used to control you to force you to buy the timeshare. They won't listen or care about what one is saying to them, will make you feel guilty if you say no or don't sign. I was defrauded and lied to but surely I was taken advantage of due to my age.
Complaint sub-issue: Account information incorrect

I do not recall having this account and I do not recall ever paying late on a account that Im not sure that I myself opened
Complaint sub-issue: Their investigation did not fix an error on your report

DO NOT CLOSE THIS COMPLAINT, I AM MAKING THIS COMPLAINT MYSELF XXXX XXXX IS MAKING THIS COMPLAINT NBOT A THIRD PARTY. 
So I have tried to work with the credit bureaus time and time again to get them to remove identity theft from my credit reports. they never do what they are supposed to. I am gon na end up hiring a lawyer to pursue this if you guys dont do what you are supposed to and remove the identity theft from my credit.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX / Rep name : XXXX The above company called two family/friends ( that I know about ) trying to get a hold of a XXXX XXXX. That was my maiden name. However, I do not have any debt or student loan for that matter. I verified with them with my full name and last 4 of my social security number and address. I asked who else they called trying to get a hold of me and they refused to tell me. I should have EVERY right to know who they contacted trying to get a hold of me. This is outright embarrassing and not okay to have my family and friend call me telling me a debt collector was looking for me! I work very hard to keep my credit clean. This company did not do their due diligence on the person they were trying to reach. It was clearly not me. A simple search would have told them that. I want to report their practices and I want to know who else they called on my behalf since they refused to tell me. I consider this harassment. Especially since the person they were looking for was clearly not me!
Complaint sub-issue: Reporting company used your report improperly

credit Karma promises that they had been " pre-approved '' for financial products, including major credit cards. 
Not being true my credit score drops considerably
Complaint sub-issue: Information belongs to someone else

My XXXX XXXX XXXX XXXX Visa credit card is lost/stolen. The balance of {$150.00} listed on my Equifax credit report is fraudulent charges and balance. The balance of {$150.00} listed on the XXXX XXXX XXXX   account is all fraudulent charges and transactions due to my XXXX XXXX XXXX XXXX Visa being lost/stolen. The XXXX XXXX XXXX missed payment on time is due to fraudulent charges. The following credit inquiry listed on my credit report is fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2020.
Complaint sub-issue: Information belongs to someone else

NelNet Loan Services are putting inaccurate and non certified information on my credit report that does not belong to me. Balance XXXX. Date Claimed Open XX/XX/2008. They are still reporting to the credit bureau. Balance XXXX Date Claim Opened XX/XX/2008. They are doing illegal practices and are unethical.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXXXXXX ( Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$270.00} XXXX ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX ), XXXX XXXX ( Account Number XXXX, Open Date XXXX XXXX, XXXX, Balance : {$1000.00} ), Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$650.00} XXXX XXXX XXXX XXXX  ), Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$490.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Not given enough info to verify debt

There is an account that is my wife 's only and now showing up on my credit file because it is delinquent. I never signed to be financially responsible for this account and when it was positive it was not showing on my report. I tried to resolve and this company has nothing I signed. Please help me
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I have filed BK it got discharged XX/XX/2017 I contacted XXXX to let them know that it was discharged my attorney contact them too and they keep sending collections letters and keep reporting on my credit
Complaint sub-issue: Debt was result of identity theft

ive sent numerous emails messages letters to IC System informing him that I have been a victim of identity of this account is not mine Ive never done business with this a company Ive never entered into a signed contract with this company please block and delete information from my credit thank you. Please see attached FTC report
Complaint sub-issue: Indicated committed crime not paying

I received many calls from a debt collecter to the point where I had to change my phone number. This is a debt that is from 6+ years ago which I do n't have proof that I paid but in fact did pay. They have gone ahead and reported it in my credit reports. I tried calling XXXX last time in an effort to solve this issue and was threatned that if I did not pay they would contact my XXXX and contact my employer ( which they repeatedly called and that 's how we found out it was a false collection agency ).
Complaint sub-issue: Investigation took more than 30 days

I have disputed these accounts several times that have affected my credit and they do not give me an answer.