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

I paid the debt of XXXX to Hunter Warfield on XX/XX/2019. They are reporting inaccurate debt that I no longer have, they will not return my calls as I have tried to reach them countless times. This paid debt that theyre still trying to collect is keeping me from getting an apartment. Please help. I have receipt showing I paid.
Complaint sub-issue: Frequent or repeated calls

If the payment is not there immediately on the day it is due, regardless of the 10-day grace period or the fact that I have NEVER paid late in over a year, they call that day and every day until it is received. Payments are scheduled on paydays and it takes a couple of days to get the payment to them, so I have over 70 calls logged from them in the past year. I ca n't stand it! Give me a few ( 5-10 ) days grace period and THEN if I have n't paid, I understand a call, but this is utterly ridiculous!!!
Complaint sub-issue: Attempted to collect wrong amount

XXXX   XXXX   XXXX  violated FDCPA  1692e.   XXXX   XXXX   XXXX  filed a false claim in Small Claims Court stating that Arbitration was terminated due to the Defendant ( Me ) failure to pay fees.  XXXX  and  XXXX  failed to pay fee causing Arbitration to be terminated. In  XXXX  arbitration, I am the  Claimant and    XXXX   XXXX   XXXX  are the Respondent.  XXXX , clearly states t he Respondent  did not pay. Per  XXXX  '  Policy, th ey review credit card agreement and other documentation and decides who pays what and send a letter to all parties involved stating who pays.  See Attachment.     XXXX   XXXX   XXXX   XXXX  knowingly lied on filed claim which clearly violated the FDCP A 1692e
Complaint sub-issue: Trouble using the card to spend money in a store or online

I have {$1500.00} in XXXX gift cards. I added a few of them to my XXXX account and to my XXXX account. When I try to pay using either of these applications using the XXXX gift card as the funding source the transaction is declined. I contacted XXXX by calling ( XXXX ) XXXX. I was told that they do not allow their gift cards to be used on these applications for purchases. I use gift cards due to safety reasons and I find this companies restrictions unacceptable. How can they pick and choose what online purchases will be accepted. These are from U.S. Bank. Inside of the package is a cardholder agreement that says nothing about restrictions for these applications. I have the receipts where I purchased these cards from XXXX XXXX of course there are no refunds on them.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I received both email and snail mail from Citi Card saying if I applied for a credit card from them before certain date, and spent at least {$3000.00} within first 3 months of the opening the account. They would give me XXXX XXXX XXXX miles. On XX/XX/2017, I applied the credit card online and used the promotion code in the mail that they sent to me. I got approved immediately. I received a confirmation mail and the physical card about a week letter. I started to use the card. However, today ( XX/XX/XXXX ) I called Citi card, and I was shocked to learn that Citi Card said I am not eligible for the promotion they promised to me because I had a closed credit card account with them within last 24 months. They said this was noted in my account on the day that they approved my application ( XX/XX/XXXX ). I asked them to show me where I could locate that note, and I was told the note can only be seen on their side not my side. The lady I talked with on the phone whose name is XXXX admitted that Citi could emphases the 24-month condition in the email or snail mail they sent to me before my application or even after I received the card, they still could notify me this, but they did not. Unfortunately, I applied the card online and there was some disclosure online about this ( which I did not recall to read it at all ) when I did the online application, therefore they can not give me the XXXX miles. I really believe Citi Card intentionally misled me, had I read any information in the email/mail or online about that 24-month condition, I would have not applied for that credit card, nor had have used that card as much as I can to reach my {$3000.00}. They could emphases that I should spend {$3000.00} within first 3 months in the email/mail, why ca n't they put all the conditions together so that I could be fully clearly informed? How could they miss such information that is so important for me to help me to make my decision? As a big company like Citi, it seems they must have done a lot of same sneaky tricks to our customers before. And they must have received a lot of this kind of complaints. XXXX seemed did not care at all when I told her that I would file a complaint about them. And she seemed immediately found the way to tell me what was the reason that they would not give that promotion.
Complaint sub-issue: Information belongs to someone else

I figured out in my credit report accounts that I have never authorized and plus simply I do not recognize them. This is illegal and highly detrimental to my credit rating. So please recheck and investigate and remove all of them as I can not move in in my life when I have unknown information in my credit report. I am very distressed now. The items must be deleted from the report as soon as possible.
Complaint sub-issue: Problem using a debit or ATM card

Discovered fraudulent charges started on my Citibank checking account on XXXX XX/XX/22 I have tried to get Citibank to assist after they acknowledge it was fraud and at every turn no resolve. Zero resolve to date I have been a loyal Citibank customer for XXXX years. 

I just need help recovering the {$5600.00} that was stolen from my account.
Complaint sub-issue: Reporting company used your report improperly

The following Account has never been late and the credit bureaus are reporting inaccurate information. As well as many other inaccuracies in their report. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now its not time to update, I demanded that you IMMEDIATE DELETE THE LATE PAYMENTS from my credit report. 

ACCOUNT : XXXXXXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, They 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: Problem getting your free annual credit report

This is a third request to get my credco saferent full consumer disclosure.credit report. 

-XX/XX/XXXX, submitted cfpb complaint along with all requested documentation. Credco saferent then stated that they sent consumer file XX/XX/2019. This was a lie. I received a rental property solutions reports, not a saferent report. Per my previous cfpb complaint send me a copy of my credco saferent full consumer disclosure report immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed for verification of bankruptcy from XXXX, XXXX, and Equifax. Each bureau states XXXX. However, the XXXX  XXXX is not on my XXXX report and I have sent my XXXX report to each bureau. I would like verification of where this information was obtained or removed from my report.
Complaint sub-issue: Debt is not mine

AFNI is continuing to report to the credit reporting agencies a debt that did not belong to me. 2 years ago they sent me a settlement offer for a debt which I did not recognize. It was a small amount so I paid it to avoid further collection activity. Since that time, I have requested several times from them proof that the debt was actually mine and they have ignored my requests each and every time. The name on the debt does not match mine and it is for an address at which I have never lived. Despite my disputing the debt, they continue to report this debt as settled on my Experian credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing the inquiries on my report but unfortunately, the company hasn't taken action about it or ignored the dispute, The first time was on XX/XX/2022 so this is my second time and I filed a complaint to FTC about these errors to prove that these are things that I have no knowledge of. These inquiries are being investigated by FTC so these inquiries must be deleted until their investigation is done.
Complaint sub-issue: Need information about your loan balance or loan terms

I have been approved into PSLF ( Public Service Loan Forgiveness Program. My loans were moved to FedLoan.org. My employer ( of 16 years XXXX XXXX ) has been approved. I received my qualified loan payments to be XXXX. I have requested a review and specific breakdown of why so little of my payments are approved toward my loan forgiveness. I have had no response.
I have been paying in some form of income based program for my student loans for 15 years. I have been under the IBR program at least since 2013.
I have grave concern this is a way to delay my ability to apply for loan forgiveness.
I have a XXXX and XXXX degree in XXXX XXXX, I am a XXXX XXXX XXXX XXXX XXXX who has been utilizing my skills working with some of our most disenfranchised populations in the XXXX XXXX for 16 years.
Complaint sub-issue: Account status incorrect

I received an alert from XXXX XXXX on XX/XX/2019 at XXXX XXXX stating that my Lendup account is delinquent. I was shocked to say the least because I checked this account a few weeks ago, and it stated my next payment due date is XX/XX/2019. Today is only XX/XX/2019, so no payment is due as of yet, but it's reflecting as delinquent, although I made two payments last month on XX/XX/2019 I made a payment of {$190.00} and XX/XX/19 {$97.00}. And from then on, my next payment due date always reflected XX/XX/2019, so why is my account status being reported to the credit bureaus as delinquent? Please fix this and update my account to current with the credit bureaus.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't 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 n 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 XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Information is not mine

There is a XXXX account showing up from XXXX XXXX XXXX. I have contacted XXXX and they do n't have any records of such balance. My equipment was returned. On further researching it looks like this company is fraudulently putting information on credit profiles. 
Please see the google reviews about this company. XXXXI would greatly appreciate if you could please help me clear my credit report. 
ThanksRegardsXXXX XXXX
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX. I financed windows with the merchant XXXX XXXX XXXX on XX/XX/XXXX. The total finance charges were {$17000.00} which is currently is good standings/repayment. I am listed as the sole buyer on this account. My roommate XXXX XXXX XXXX did a separate finance with XXXX XXXX XXXX  on XX/XX/XXXX for a storm door for {$1900.00}. I ( XXXX XXXX ) was involved with this purchase. The storm door was installed and I was not present nor did I sign any contractual agreement. After my roommate never receiving a bill for the storm door, it was later discovered that XXXX had sold the account to Greensky and placed the delinquent account on my credit report. After review of the contract, it has the buyer 1 as XXXX XXXX and buyer 2 as XXXX XXXX which was never agreed upon as I was the individual responsible for the account regarding the windows. Both myself and XXXX spoke with the merchant who stated they would resolve the problem and start issuing bills in XXXX XXXX 's name. However, since then I have not heard back from the merchant but was later informed that the individual who wrote up the contract is no longer working for XXXX. I initially had the account removed from my credit report. Strange enough, Greensky has XXXX 's phone number which they call frequently and when he answer the call and explains the situation, they state they can not discuss the matter with him as he is not the account holder. This is incorrect as he is clearly listed as the buyer/buyer XXXX on the contract they as well as myself have. We eventually spoke with Greensky on multiple occasions and the account was remarked multiple times prior to them informing us they would look into the matter to resolve the issue. In addition, I was instructed to file a police report, which I did with XXXX Police Department ( police report # XXXX ). However, today XX/XX/XXXX I received notification that my credit score dropped 74 points as Greensky has put this account back on my credit report. I am very frustrated and tired of the run around that I am getting from the merchant and Greensky. XXXX is willing to pay the account, however, I want this out of my name and off of my credit as this is fraudulent and affecting my credit score.
Complaint sub-issue: Reporting company used your report improperly

XX/XX/22 I reached out to Equifax to investigate the inaccuracies reporting on my consumer report. 
Equifax verified the account information although I have proof that they are wrongly reporting. 

I know you have many cases so they may have overlooked things but please remove XXXX XXXX # XXXX for the following inaccuracies Date of last activity Date reported Date opened and everything else highlighted in my attached picture
Complaint sub-issue: Problem with personal statement of dispute

XXXX XXXX XXXX MT XXXX XXXX XXXX TN XXXX EQUIFAX EQUIFAX XXXX XXXX XXXX XXXX, GA XXXX XXXX RE : Social Security Number : XXXX and account reported from ONEMAIN with account # [ XXXX ] ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND CERTIFICATE EACH EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. 
XXXX XXXX
Complaint sub-issue: Account status incorrect

Equifax is consistently ignoring my requests to update an account which the data furnisher has already admitted they're reporting erroneously. XXXX # XXXXreported I was late on my payment. But they had closed the account & never adjusted the accounting accurately. EQUIFAX has not done their job in verifying this information. I've contacted them numerous times over the phone as well as XXXX. The account is in good standing. EQUIFAX has failed to comply with FCRA Section 611 where they're supposed to get verifiable proof. They're also violating section 616 & 617 by willful noncomplying with FCRA laws. I need both XXXX & EQUIFAX to update their records to reflect a positive tradeline. I'm currently suffering emotional stress which is causing performance issues at my job. I need this matter handled ASAP. Please update to closed/never late. Thank you
Complaint sub-issue: Didn't receive notice of right to dispute

Recently, I discovered that a collection agency named ProCollect had reported a collection balance on my credit report. Prior to the account appearing on my credit report, I never received a notice of my right to dispute. I contacted the company to file a complaint about not receiving a notice of my right to dispute prior to the account appearing on my credit file, but they did not remove the account from my report. This is a violation of the Fair Debt Collection Practices Act.     Additionally, I requested that Pro Collect verify the debt they were trying to collect by sending me a copy of the original signed lease as well as a detailed monthly pay history on this account, which clearly demonstrated where this supposed debt originated. The did send a copy of the lease, but they have not sent me a detailed explanation of how the {$1500.00} debt they are trying to collect was calculated. That is also a violation of the Fair Debt Collection Practices Act.     And finally, I also reached out to ProCollect about setting up payment arrangements should this debt ever be verified as legitimate. Their representatives informed me that they would not accept payments from me.  Reporting  a debt on one 's report, and refusing to accept payments towards the resolution of the debt is also a violation of the Fair Debt Collection Practices Act.
Complaint sub-issue: Was not notified of investigation status or results

In XX/XX/XXXX to XXXX of XXXX, I filed a dispute with this credit bureau about the inaccurate reportings of the collection accounts : XXXX XXXX XXXX  Account number XXXX -- XXXX XXXXAccount number XXXX and Account number XXXX. I have attached my disputes with this complaint.Credit Reporting Act any inaccurate and unverified item must be removed from my credit report. I have sent a dispute with evidence for the removal of these three account and this credit bureau has not complied with the laws of the Fair Credit Reporting Act. So now I'm asking cfpb to step in and help me with this issue of the removal of these inaccurate items that are being reported. thanks
Complaint sub-issue: Account status incorrect

I applied for a home equity loan and was denied. Reasons, serious delinquency, excessive amounts past due on accounts, time since delinquency is to recent or unknown. Further investigation revealed that XXXX had made errors and never closed an account that I was burglarized on. They ran up the fees and closed the account for non payment unbeknownst to me. They gave me a letter stating such mistakes. They will not give me a refinance loan due to there errors. Im stuck paying a high interest mortgage. They claim that I have to fix the errors with the credit bureaus. They caused financial stress and turmoils due to there inaccuracies and failures to remedy it. Furthermore, there banking app has flaws which I brought to there attention. It does not report all scheduled payments. I feel so helpless fighting a big bank. Ive spent 30-40 hours being redirected to a department who cant help me. Im at such a loss how an institution can get away with this. Ive been a customer for 23 years and have had my mortgage with them for 16. I apologize for not keeping a lot of money so I can receive better service, but I figure most cant. I have less then 10 % debt to income ratio, an excellent credit score until I paid off most of my credit cards and my score dropped. Im on a XXXX income from the XXXX. They also denied me stating I dont keep a high enough balance. They also state that I have excessive obligations in regards to my income. My financial obligations only account for 25 % of my income. They are also stating that my recent credit score which  dropped to XXXX was to low for them. This has to be illegal or some type of financial biast for many different reasons. I doubt a lawyer would represent me because XXXX will just prolong the case. It would not be financially feasible for an attorney to handle it. 
They are also technically financially responsible for any interest rates that I was given because of there inaccuracies. There has to be accountability. I pay my bills on time and work very hard being financially responsible in XXXX. They are burdening my financial load especially through these tough financial times due to the pandemic.
Complaint sub-issue: Debt was paid

I filed several complaints with the CFPB regarding XXXX  refusual to reverse payments to XXXX XXXX  Hospital. Primary complaint was for {$19.00} for failure to provide test result, failure to read and interpret XXXX XXXX ordered and failure to provide services of a doctor to a patient.

The CFPB complaint numbers areXXXX,XXXX,XXXX and XXXX at no time did XXXX  reverse the charges or provide me with any credits.

NPAS made harrassing phone calls and sent unwanted payment letters like the one attached.

I do not owe XXXX XXXX Hospital and and the several complaints with the CFPB and Suntrust has refused to reverse its decision.
Complaint sub-issue: Information belongs to someone else

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below 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 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: Their investigation did not fix an error on your report

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. The Credit Bureaus 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 the first investigation and subsequent reinvestigation, they stated in writing that I was verified that these items are being reported correctly ; who verified these accounts? 

XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX {$270.00} Equifax Online Information {$600.00} ( This debt was not verified and put on my Credit Report x2 ) XXXX XXXX {$380.00} ( not verified to mine ) and has been paid in full and I have no idea how because its not my debt!