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

XX/XX/2020, Contacted JEFFERSON CAPITAL SYSTEMS, and was repeatedly referred to XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Fax XXXX XX/XX/XXXX, payment clear the bank account to XXXX XX/XX/XXXXXXXX XXXX XX/XX/2020 received email from XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX with attached letter stating : CURRENT CREDITOR : JEFFERSON CAPITAL SYSTEMS REFERENCE # : XXXX ORIGINAL ACCOUNT # XXXX This letter will confirm that the above referenced account has been satisfied in full. Should you have any questions, please feel free to contact my office. 
Thank you, XXXX XXXX XXXX XX/XX/2020 made repeated phone calls to Jefferson capital systems which kept referring me to XXXX and XXXX. 

XX/XX/2020 and XX/XX/2020 received the results of two different disputes via XX/XX/XXXX with which I even uploaded proof and explanation as to how the account was paid off, and the company says I still owe the money and it has been unpaid every month. XXXX XX/XX/XXXX XXXX has repeatedly told me via customer support via being directed there by Jefferson capital systems, " my credit report status will be changed to paid for the collection '', and " XXXX balance should be shown ''. 

I have been unable to get a personal response from Jefferson capital systems and the only company that reached out after contacting multiple times was XXXX XX/XX/XXXX XXXX and that was to assure me the other company would update my credit report appropriately. 

This was a court ordered debt my ex-wife was awarded in a divorce ( she got the debt in my name while I was XXXX on a submarine with no contact and she had no power of attorney ). I have a notarized letter from her stating she took full responsibility for debt. I paid to get it off my record and suing her in small claims court for not taking care of it. I can provide additional proof of that as well. 

I took screenshots of the email from XXXXXX/XX/XXXX XXXX and attached, let me know if I need to provide the actual email.
Complaint sub-issue: Old information reappears or never goes away

Company has changed my open date to 2011, provide verification documents.
Complaint sub-issue: Reporting company used your report improperly

My right to privacy is being infringed upon according to 15 USC 1681 ( 4 ) with this reporting. Also no permissible purpose nor written permission was ever given to furnish any report on my behalf, if so I demand to see the contract.
Complaint sub-issue: Fee problem

Over the less than a XXXX  period that PNC Bank managed my bank account ( they took it over through a purchase from BBVA Bank, who owned the immensely-popular-in-the-XXXX XXXX XXXX XXXX Simple which I was XXXX XXXX XXXX of ) I was charged over {$570.00} in overdraft fees. Near the end of my usage of PNC Bank, this brought my account far in to the negative. 

During attempts to gain control of my finances, I attempted to get these predatory overdraft fees refunded/removed. 

PNC bank only refunded {$140.00}, leaving me with at least {$430.00} in overdraft fees pushing me into the negative. 

They closed my account and sent me to collections following my refusal to pay for these predatory practices. 

PNC Bank should have a more customer-centric and permissive overdraft policy more alike XXXX XXXX XXXX and others.
Complaint sub-issue: Account information incorrect

Never pay late, and they show a late payment on 30 days in XXXX in XX/XX/2022, in Equifax in XX/XX/2022, in XXXX in XX/XX/2022. I have the evidence I send it. And the sell and closed the account is a violation to report late payment in a closed account.
Complaint sub-issue: Personal information incorrect

Incorrect names and alias on credit report with all XXXX bureaus.
Complaint sub-issue: Not given enough info to verify debt

Case number : XXXX this case has been submitted but now the debtor refuses to return phone calls to me or my lawyer. but he also refuse to validate the debt to me also. so this is been going on since XXXX he has been game after the other. We at this point if Citi would make a offer just pay it so the game playing would stop, yesterday citi had the paid judgement remove form my credit report they do n't know which end is up or if paid or not no mention was made why they reported paid. I want to settle and move on preferably citi and can pay there attorney since they wont return phone calls or letters they may answer you
Complaint sub-issue: Their investigation did not fix an error on your report

I have called Fedloan several times over the last 5 years about a 90-day late payment that has been reported to all three credit bureaus. I have advised all agents Ive spoken to that the negative mark should have not been added to my account. I had faxed the necessary forms to Fedloan back in early 2017 and learned upon seeing the negative marks on my credit report that the company couldnt locate the form. 
I do not feel like I should have to continuously suffer from an error that wasnt caused on my end. The negative marks have stopped me from being able to purchase a home and obtain other lines of credit.
Complaint sub-issue: Threatened to take legal action

I am currently paying off a Discover Loan through XXXX XXXX XXXX law firm ( debt collector ) and I have been since XXXX 2012. XXXX XXXX XXXX, XXXX are now trying to collect on the SAME debt!
Complaint sub-issue: Information belongs to someone else

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX UNIT XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

In XX/XX/XXXX, I finished a deed in lieu with XXXX XXXX. The mortgage account was closed and i was relieved of any further responsibility. Subsequently the property was sold to a new owner in XX/XX/XXXX. In XX/XX/XXXX, XXXX XXXX. started sending correspondence reporting that they had been transferred the loan and began requesting payments. I initially thought it was a scam but after receiving a few more letters, I contacted them and explained the situation and considered the matter closed. I received no further information until XX/XX/XXXX when I saw they had placed numerous late payments on my credit report. I have tried getting this resolved with XXXX, who has acknowledged this is not a legitimate claim and never should have been transferred or accepted by them. I keep contacting them but they keep asking for more time and say they are working on it. I have also disputed it with all 3 credit agencies who said after their " investigation '', it was a valid account. This is fraud plain and simple and the credit agencies are supporting this irresponsible behavior.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I got a Home Depot credit card around XX/XX/2020. I used my credit card and pay off in every stamens, I start getting calls they said from XXXX XXXX saying that I owe money to Home Depot, so was weird and I contact Home Depot and they told me that I dont have any balance ; I notice that my credit score was going down, so I decide to request my credit report and I found that I have 2 open accounts from Home Depot and I havent paid one of them, that account was open on XX/XX/2020, is named as XXXX/CBNA, account number XXXX account type : Revolving Charge Account, on XX/XX/2020 has a balance for XXXX. Has a XX/XX/XXXXXXXX XXXX XXXX, SD XXXX. This account its not mine. I called XXXX  and they suggest me to contact you, thank you for your attention.
Complaint sub-issue: Problem accessing account

On XX/XX/2019 @ XXXX XXXX EST I called Citibank regarding a problem I had getting a copy of a check online. I spoke to a supervisor by the name of XXXX who told me she would send me a copy of the check via email but never did. I had spoken to three ( 3 ) people prior to speaking to XXXX. 

I just want a copy of the check. 

Thank you.
Complaint sub-issue: Information belongs to someone else

Equifax, XXXX and XXXX continue to report inquiries that were involved identity theft and I have provided id theft reports that these are not mine.
Complaint sub-issue: Information is not mine

Equifax is reporting XXXX XXXX again on my credit report. I 'll written to you all before about this account associated with XXXX. It has appeared as XXXX XXXX and was removed ; it has been XXXX XXXX XXXX. This is the second time it has been reported as XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Accounts XXXX and XXXX were added without my knowledge. Furthermore, I have no knowledge of the accounts that are reported. I contacted Equifax and reached out to the companies reporting. I still haven't received any information regarding accounts and Equifax is still reporting. No other credit bureau 's are reporting XXXX account. Now, recently they added XXXX to my credit report without my knowledge. I do not recognize these accounts and do not belong to me. It has also been past the 30 days allowable timeframe, as I've been in contact regarding these accounts since XX/XX/XXXX. This is in violation of the FCRA and FDCPA.
Complaint sub-issue: Their investigation did not fix an error on your report

I have written three previous times about an account on my credit file that has been inaccurately reporting and still reporting. According to the FCRA you are required to verify this information yet you have not verified it and you are still reporting this damaging information. You keep saying it 's correct and it 's mine so inform me on WHO verified it. I want the name and number of the person of verified this information on my account.This is becoming very distasteful that your company would allow something so damaging to remain on someone 's report. I 'm unable to obtain credit due to your inaccurate information
Complaint sub-issue: Debt was paid

There is a collection company called EOS stating I owe XXXX XXXX which I do not. I have the receipt from when I turned in the boxes. I have fought this several times with no outcome. Please help
Complaint sub-issue: Problem getting report or credit score

I have been trying to obtain a car loan for almost 4 months. The car loan company pulls Equifax. When they pulled my Equifax report, the finance manager said my score was XXXX and I had not XXXX open account on my Equifax report. I called Equifax 7 times and after sending my ssc card and picture Id. Equifax told me I have too many accounts and that there were XXXX partisans to my report. XXXX with a lot of accounts and XXXX that apparently the car dealerships were seeing. Equifax took not fault to this and said the creditors need to report better, there was nothing they could do. Well, I have called all the creditors and they have been reporting to Equifax. All the creditors said they are reporting to XXXX bureaus. I have noticed from alerts and services I am currently enrolled in with XXXX and XXXX, that they ARE getting the creditor info and doing their job by reporting it. EQUIFAX IS NOT!! Equifax is not fixing this, so I called once more and still NOTHING.I would appreciate you doing anything you can to get this mix up straight. All I want is for Equifax to do their job. It is that simple
Complaint sub-issue: Can't get other flexible options for repaying your loan

was to have forbarance in 2016 till i got on my feet but before i knew what happened it was transfered and the reported negative on credit reports it over 14 yrs old and have not been notified to what office its in, to even have a chance to make payment to clear it up,
Complaint sub-issue: Didn't receive notice of right to dispute

Allied Interstate LLC robocalls my number 3 to 5 times per day for the last 6 weeks about 5 year old credit card debt in which they do not own. 

Allied Interstate 's number ( XXXX ) shows up as SPAM on my caller ID and has called nearly 100 times just this month so far! 

I has asked for notification via mail, but have never received one. The FDCPA requires one be sent out within 30 days of contact.
Complaint sub-issue: Investigation took more than 30 days

I am in the process of purchasing a home and I have a debt that is reporting on my credit report. The debt has a zero balance but the negative remark is hindering me from taking the next step. On XX/XX/2021, I wrote Equifax and XXXX about the concerns. I did not receive a response. On XX/XX/2021, I wrote XXXX XXXX ( the XXXX XXXX XXXX ), I also have not received response from them. On XX/XX/2021, I wrote Equifax and XXXX again. I still haven't received response. I need this debt removed from both bureaus immediately. I will attach proof of letters sent along with certified tracking numbers. 

Certified Letters : XXXX Equifax-XXXX XXXX XXXXXXXX
Complaint sub-issue: Account information incorrect

I was mistakenly reported 30 days late and 60 days late by my mortgage company due to their payment address change and failure to notify me of it. Also, the credit union had a grace period which I fell under. 

I sent a letter in XXXX asking to please have this fixed soi can buy a new home, the 2nd letter I sent certified to ensure delivery. Still have not received anything back or updates to fix the problem. 

My bills are paid on time, and I send checks via mail, this was a minor mistake on the banks part in not notifying me as well as the bureaus for not fixing this issue promptly. I need some help to get this fixed. Thank you XXXX
Complaint sub-issue: Account status

I have recently been informed that there is negative information reported by Equifax, for a debt/charge off for {$6800.00}. from XXXX ''. I sent XXXX XXXX XXXX, ( who Equifax reports as there CEO ) a certified letter via USPS requiring a signature, requesting " verification '' pursuant to the " Fair Debt Collection Practices Act of this " debt/charge off for {$6800.00} from XXXX '' Verification meaning competent evidence bearing my signature. Equifax received my letter on XX/XX/2017. In my letter I requested for them to remove this " debt/charge off for {$6800.00}. from XXXX '' from my report if they could not provide me with competent verification with my signature. I want this " debt/charge off for {$6800.00}. from XXXX '' removed. Equifax did not provide me with any competent verification of this " debt/charge off for {$6800.00} from XXXX '' bearing my signature.
Complaint sub-issue: Frequent or repeated calls

Discover card keeps calling my parents phone number and harassing my elderly parents all hours of the morning and day. I have told them several times to stop, but the harassment keeps up and it is causing my parents severe XXXX.
Complaint sub-issue: Overdrafts and overdraft fees

On XX/XX/2022 at XXXX. I received an email from PNC Bank regarding an overdraft status. I heard the 'ping ' on my phone and looked at the email. It stated that I needed to check my balance and deposit funds into my account. 

That was a XXXX. 

At XXXX. I got up to go to the bank and deposit funds, when I saw that PNC had ALREADY removed an overdraft item fee - they didn't even give me a chance to get the money into the bank. 

I called PNC 'Customer Service ' and the rep advised me that, even though the email said I had time to get funds into my account, that's not actually the case. What??!!!!!!! 

How am I supposed to know that? I'm not a PNC employee! I rely on the information PNC sends me, and if it's incorrect, that's on them, not me. 

It's bad enough PNC forces me to change my password AT LEAST XXXX a month, but this is ridiculous! I wonder how many other customers they've stolen money from this way.
Complaint sub-issue: Other problem

My husband and I have a XXXX XXXX credit card for XXXX years more or less.One day my son told me if I new what account care was while going over my statement and if I new that I was paying for it, I said no I do n't know anything about it. this was around XXXX and my husband of 45 year has XXXX  away and my son was looking at all of my financials. 
I told my son to call XXXX XXXX card to cancel the account care service to no avail, my son called many times. So I was forced to pay for all those years even after I was aware of it. 
I want to know if I have rights from the award that XXXX XXXX XXXX card awarded it to their costumers for fraudulent account practices. 
Please respond at your earliest convenience. Sincerely. Yours Truly.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer right to privacy and confidentiality under the 15 U.S.C 1681. 

XXXX  account number as follows : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has 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 a account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX 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. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : US DEPARTMENT OF EDUXXXXBalance $ XXXXDate Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance XXXX XXXXDate Opened XXXX XX/XX/XXXX XXXX XXXX-Balance $ XXXXDate Opened : XXXX XXXX, XXXX
Complaint sub-issue: Billing problem

My car loan was transferred from BBVA compass to PNC bank and has been nothing but a nightmare since the transfer. When it was transferred they had wrong phone number and address for me and never tried to contact me. Then my vehicle was repossessed since I didn't know the bank that took over the loan. I paid close to XXXX dollars to get it out of repossession then they told me the loan was charged off in XXXX. Why I still don't know why it was charged off. Then I was told I would get statements and to be watching for a statement and I never got one. So in XXXX I called and they told me I owed XXXX dollars so I paid it because they stated I overpaid when I got my car out of repossession even though I paid the amount due. Then in XXXX never got a statement again and when I called XX/XX/XXXX they told me I owed XXXX dollar because I underpaid in XXXX. When I told them I didn't have the funds to pay three months worth of payments and that it didn't make sense why I owe that much. They had it escalated and escalations is lying and stating they have attempted to call me yet I have no missed calls or messages and are closing out my complaints. Then today I finally got ahold of escalations department after refusing to hang up until it was resolved and spending three hours on the phone. Their XXXX  page is filled with complaints similar to mine on how they treat their customers and how they are dealing with them. They keep giving me the run around and are messing with my life and mental health as I am a single mom and refuse to work with me or help me come up with solutions. They give me different information every time I call in and none of them are on the same page.
Complaint sub-issue: Problem getting your free annual credit report

I've tried several times to get my credit report from all of the credit bureaus. However, they then ask me for copies of social security and driver license. I've sent them four different times. Still over two years have not got them. I'm not sure what else to do. I've tried to do it on line but each time denied. I had to report identity theft since 2016. Reported to federal trade commission. Don't know if that has anything to do with it. Would appreciate any help.
Complaint sub-issue: Personal information incorrect

I have closed a POBox address that I've used as my primary address for over 15 years. I have sent in documents, called, tried using the online forms, and no matter what I do I can not get Equifax to remove this POBox from my credit file. It's listed as my primary address, so any correspondence they may try to send me will goto that old address, and I will not receive it as the year of forwarding has expired.

I tried again today to get this corrected. I have three address on file with Equifax, the POBox, work and home. I now need my home address to the the primary address on file and the POBox removed.

When I called, they verified my SSN #, birth date, all the addresses on file, the open car loan and monthly payment amount, a credit card on file balance and monthly payment, but because I could not tell them the month and year I received my last credit report in the mail, which was 5 years ago, the will not remove the address.

I have tried mailing the request in, but somehow that doesn't work either. And since I don't get mail delivered to the POBox, I haven't received a response to the request I mail in manually. 

So Equifax has left me with no way to correct this issue.
Complaint sub-issue: Was not notified of investigation status or results

I am not aware of XXXX and why there is an account in collections with this amount - I have had no contact from a debt collector via mail, email or phone. I have attempted to reach out to the previous holder of the debt however was refused information regarding the debt itself. The current status of the account is not correct and is unverified. The amount of time that has gone by with no communication or update to my credit report has caused disapproval of loans, denial of jobs etc. The reporting is inaccurate and inadequate and unverifiable
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account XXXX has 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 a account without my written instructions
Complaint sub-issue: Reporting company used your report improperly

Equifax discovered in XXXX XXXX that they were subject to a data breach starting in XXXX XXXX but did not report it to consumers until XXXX XXXX. This subjected consumers to a security risk that they have been unable to do anything to mitigate. 

On top of that senior executives in the company have suffered no losses because they have cashed out before the announcement. This represents unfair trading practices. 

Third, they are offering a service in relation to the hack which requires users signing up to waive their ability to participate in a class action lawsuit. This is a move designed to protect the company and not the consumer, the true victim of the data breach. 

These moves demonstrate a reckless and negligent attitude toward managing sensitive data.