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

I saw a collection on my credit from Pro Collect. A debt that I do n't owe. I sent for validation from this collection agency and they did not send me anything. It is now four months since I sent for validation. Pro Collect is not bonded to collect in my state. This is a time barred account. They are continuing to re age this account. This agency is in violation of the TEXAS FINANCE CODE AND THE FDCPA.
Complaint sub-issue: Reporting company used your report improperly

Equifax data was breached months ago and is now coming out to the public. Very important information was released without authorization and this company should be made responsible for the long lasting ramifications that its customers may have to endure.
Complaint sub-issue: Their investigation did not fix an error on your report

CITIZENS BANK Re : Acct # XXXX To Whom It May Concern : I am continually being called on the telephone by your firm over an alleged {$10000.00} debt. According to the information given to us by your firm, the date of last activity by the original creditor was XXXX XX/XX/2008. The State of Limitations on this alleged debt, even should it be ours, is 5 years in the state of Florida. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. 
I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act XXXX FDCPA XXXX. However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation. 
Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities. 
Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying our state attorney general 's office. In addition, I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.
Complaint sub-issue: Account status incorrect

A credit repair firm sent multiple dispute letters addressing a MOHELA account on my XXXX  report. This account is listed with a {$0.00} balance but is still being reported as an active late payment account.
Complaint sub-issue: Account status incorrect

I HAVE SENT 4 LETTER OF VALIDATION TO CREDIT REPORTING AGENCIES FOR A LATE PAYMENT SHOWN ON MY MORTGAGE ON XX/XX/2017, THEY HAVE FAIL TO PROVIDED ME WITH NAME OF PERSON, PHONE, FAX OR CONPLETE CONTACT INFORMATION TO WHOM THEY HAVE SPOKEN TO VALIDATE THESE LATE PAYMENT .THAT I F A VIOLATION OF FCRA , THEREFOR I'M REQUESTING THEM TO DELETE THIS LATE PAYMENT BECAUSE IT HAS BEEN MORE THAN 30 DAY AND THEY HAD NOT PROVIDE 100 % ACCURACY.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX, XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$540.00}, XXXX  is reporting an opened date of XX/XX/XXXX with no balance, and Equifax is reporting an opened date of XX/XX/XXXX with a balance of {$540.00}, XXXX XXXX XXXX  XXXX XXXX Account Number XXXX XXXX is not reporting this account, XXXX  is reporting an opened date of XX/XX/XXXX with no balance, Equifax is reporting an opened date of XX/XX/XXXX with a balance of {$530.00}, XXXX XXXX Account XXXX XXXX XXXX  is reporting an opened date of XX/XX/XXXX with a balance of {$1500.00}, XXXX  and Equifax are not reporting this account, XXXX Account Number XXXX XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$850.00}, XXXX  and Equifax are reporting an opened date of XX/XX/XXXX with a balance of {$850.00}, XXXX Account Number XXXX XXXX  is not reporting this account, XXXX  is not reporting this account and Equifax is reporting an opened date of XX/XX/XXXX with a balance of {$810.00}, XXXX XXXX XXXX Reference Number : XXXX XXXX  and XXXX  are reporting a filed date of XX/XX/XXXX and a closing date of XX/XX/XXXX, Equifax is reporting a filed date of XX/XX/XXXX with no closing date. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
Complaint sub-issue: Account information incorrect

This company is still falsely reporting payments made in am attempt to extend the life the loan on equifax credit report. They are rwpoetinf that a payment was made XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. NONE OF THESE PAYMENTS WERE MADE. They repeatedly keep marking my credit as payments made when they have NOT in aN attempt to restart the 7 yr process. This is fraudulent activity. They are also in violation the of the florida credit report act and federal fair credit reporting act.
Complaint sub-issue: Reporting company used your report improperly

This is a complaint regarding Equifax. I am listed as a potential victim of the data breach which occurred from XXXX through XXXX XXXX. They did not take enough precaution while holding so much sensitive information.
Complaint sub-issue: Public record

XXXX does not recognize IRS FORM XXXX
Complaint sub-issue: Old information reappears or never goes away

XXXX   HAS BOUGHT AN OLD, 15 YEARS OLD, WRITTEN OFF CLOSED ACCOUNT OVER 15 YEARS OLD AND REFUSES TO REMOVE THIS FROM CREDIT REPORTING AGENCIES AND WHEN I TELL THEM TO STOP THEY JUST SELL THIS OLD CLOSED WRITTEN OFF, CLOSED ACCOUNT TO ANOTHER COLLECTION AGENCY OVER AND OVER AND OVER AGAIN!
I HAVE CALLED THEM, WRITTEN THEM, EMAIL THEM AND THEY ALWAYS SAY "OK WE WILL REMOVE THIS ACCOUNT" BUT THEY JUST SELL IT TO ONE OF THEIR OTHER COMPANIES.
THEY ARE VIOLATING MY RIGHTS UNDER THE "FAIR CREDIT REPORTING AND COLLECTION ACT. OVER AND OVER AGAIN!
Complaint sub-issue: Frequent or repeated calls

I have checked my consumer credit reports and it appears that an account from EOS CCA has appeared on my credit report for an alleged amount of {$990.00}. I am asking for full proof of accounting and documents that show the accuracy of this reporting. : I am asking you to provide proof of me having a contractual relationship with your company and that I am liable for this alleged obligation. I would be happy to enter any agreements with you on the following conditions on everything set forth in this complaint. I can send this information certified mail with a return receipt and include an affidavit of truth notarized, signed under Penalty of Perjury, as well. Pursuant to 15 USC 1681b ( 2 ), no accounts should be reported without the WRITTEN PERMISSION OF THE CONSUMER. THE ONLY ADDRESS THAT SHOULD BE LISTED IS XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX. NO OTHER ADDRESS SHOULD BE LISTED ON MY CONSUMER CREDIT FILE. THE NEXT NOTICE WILL BE SENT CERTFIED TO ENSURE YOUR PROMPT RESPONSE IF THERE IS NONE TO THIS DOCUMENT. I am requesting that EOS CCA substantiate the claims made there under for XXXX XXXX in order to properly verify its summary and/or claim. The following claims made thereof can be substantiated by submitting the following pieces of information and/or instruments of indebtedness. 1. Proof of the existence of an alleged account and/or contract in the actual flesh and blood name of for XXXX XXXX duly signed and witnessed by both parties and both seals, not a unilateral agreement and upon which signed page there is reference to the entire agreement. 2. Proof of claim that the agency listed for the claim is the current holder of the original note above mentioned alleged debt instrument and that it is not been on-sold to another party. 3. A true certified copy of the actual accounting whereby bank essay has incurred a loss of the alleged debt with accordance to the General Accepted Accounting Principles ( GAAP ). 4. A True Bill inked in blue with Bill and value marked upon it's face and not a statement for any amount of money allegedly owing or owed to bank essay by for XXXX XXXX that conforms to the Bills of Exchange Act and the Trust and Loans Company Act and has not been endorsed by a federal agency with pursuant to the Financial Administration Act and the Bank Act. 5. Proof of claim that there is any lawful money in circulation in the involuntary bankruptcy of United States backed by anything of value*. In addition to the above, the credit reporting agency is portraying itself as a credit bureau, when according to federal law, the only bureau is the Consumer Financial Protection Bureau. That is a false and misleading representation. Violations through 15 USC 1681 and 15 USC 1692, with consumer liability under 15 USC 1681n and 15 USC 1692k.
Complaint sub-issue: Problem getting your free annual credit report

In XX/XX/XXXX I sent a physical letter to XXXX, Equifax and XXXX XXXX informing them there were inaccuracies in my credit report and that I was requesting a copy of my free credit report of which I am entitled as per the FCRA.The only company to send my report was XXXX, It has now been more than 90 days and I still have not received a copy of my credit report from Equifax or XXXX.
Complaint sub-issue: Account information incorrect

XX/XX/2020 Equifax XXXX. XXXX  XXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all  accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

ILLINOIS XXXX XXXX XXXX Provide Physical Verification UNVERIFIED ACCOUNT INCORRECT BALANCE * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You
Complaint sub-issue: Information belongs to someone else

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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: Charged too much interest

I needed to make a large purchase to pay an IRS tax bill that was unexpected. I signed up for a My Best Buy Visa Card which had a promotion that for 18 months there was 0 % interest. In order to pay for this charge I had that was substantial, I called their customer service. I was told on XX/XX/XXXX at XXXX XXXX  during a call to customer service ( call duration 15 mins 18 seconds ), that it would also qualify for 0 % interest. The only reason we made this purchase was because we were told that it would qualify. 

I also had to pay an additional 3 % in order to make this large purchase due to credit card fees from the IRS. We would never have done this if we weren't told by the representative that it would qualify for the 0 % interest promotion. 

I realized this happened on XX/XX/XXXX, XXXX XXXX, and spoke with their billing fee dispute department. They promised me that they would review the recorded call from that day. I was told the process to review recorded calls can take a significant amount of time, so I waited patiently. 

To avoid accruing further interest, we paid off the balance that was causing the interest charges, and only didn't pay the interest fees assessed to our account. 

Our final interaction was on XX/XX/XXXX when I had not been contacted by Citi or Best Buy. I called at XXXX XXXX  on XX/XX/XXXX and was told that they can not comment further but that they were not going to adjust or credit the account for any of these false charges. 

I paid the remaining balance accruing interest on XX/XX/XXXX. I truly hope that there is some sort of protection for people who are abused and lied to by credit card companies. What I was told and promised on the phone by a Citi representative was false, I had to pay these interest charges, and would like to be reimbursed for all fees/interest.
Complaint sub-issue: Account status incorrect

I started fixing my credit a few months back and noticed a discrepancy on my child support account. I can honestly say that I have never been late on this account and I have never missed a payment. My XXXX  report does not show a late payment but has not reported any activity since XXXX. Equifax and XXXX  are both inaccurately reporting a late payment in XXXX of XXXX ( Equifax ) and XXXX of XXXX ( XXXX  ) and have not updated since XXXX and XXXX ( respectively ). I'm not sure why there is this discrepancy on my credit report, and I have tried disputing this issue multiple times with the credit bureaus but this account is still showing a late payment when I was not late.
Complaint sub-issue: Trouble with how payments are being handled

I chose to refinance my Federal student loan with a private company for a better interest rate. Nelnet ( the Federal loan servicer ) was auto-debiting my account for the payments as previously arranged. The auto debit came out the day before my principal payoff paid off the loan for the amount that was due on that day, yet Nelnet shows I have a XXXX balance even though the original payment toward the principal should be refunded. In the principal payoff deposit from the private lender, they chose to take interest from that to XXXX out my balance and not give me a refund.
Complaint sub-issue: Reporting company used your report improperly

I called the company and told them that this debt was not mines I also mailed them letters disputing this inaccurate information. 
XXXX I certified & mailed letters to each credit bureau reporting this inaccurate information asking them how they came about this information.

I also showed proof that this account was previously deleted and I provided the report # associated with this information.

They continue to report and revolve PAST DUE on a collection that has already been disputed. They have not provided me with my signature on any of the accounts that they say were verified.
Complaint sub-issue: Their investigation did not fix an error on your report

I have an issues with XXXX  TXXXX  XXXX XXXX  and FedLoanserving. 

1 {$200.00} payment on XXXXand it was reported as a {$50.00} payment to credit bureaus. Balance at the time was {$2800.00} balance now shows {$2700.00}. 

2 {$91.00} was made on XX/XX/2021 and they have yet to report to any credit bureaus. 

3. I submitted a dispute on XX/XX/2021. The dispute is now closed. Fedloan is still reporting incorrect information, balance {$2700.00}. The balance is now {$2500.00} 4XXXX XXXX  stated to me in a letter from consumer complaints it's the credit bureaus decreasing FICO because they have no control over that all they did was report payments and remarks. XXXX XXXX & XXXX are the reasons why my FICO continued to fall. My FICO went down over 145 over a 4 month period, with NO 30 day late fees and under 30 % debt especially after I paid off the account and closed the account. XXXX XXXX would add remarks and remove remarks and my FICO fell each time, from
Complaint sub-issue: Personal information incorrect

Sent in three letters stating that the address they have on file are wrong, the only address that should be on my credit report is XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX. Please delete all other addresses because they are outdated information, and some of them I never lived there. They still havent deleted the old address.I have been a victim of fraud in the past due to things being sent to other addresses and people using my information.
Complaint sub-issue: Other problem getting your report or credit score

For over the past few months I have been trying to access my Equifax credit report on their site. I even tried to pay for the equifax premier service but kept on getting error message to call. I just called in XXXX/XXXX/2019 and was on the phone over an hour and transferred XXXX times yet no one can tell me what is going on. I can not recieve my free credit report due to an adverse action I had. I only have this problem with equifax.
Complaint sub-issue: Bounced checks or returned payments

On XX/XX/XXXX, I submitted two payments from my Citi account to my credit card companies. One was {$35.00}, the other was {$50.00}. According to both the mobile and desktop site, I had sufficient funds available for the transactions. 

However, while other transactions that were completed later were processed, both payments were returned for insufficient funds. I then tried to resubmit the payments on XX/XX/XXXX, and was told that those payments would be returned, as well. 

The representative told me that Citi presents payments in a hierarchy, which sounds incredibly problematic. Citi has no right to withhold my money to pick and choose to pay items as it sees fit. Citi also has no right to show a different account balance in real time than it shows historically. Citi must pay items in the order in which they are presented, and reflect the account balance accurately to the customer. 

The representative also advised me to use their bill pay system to avoid this situation in the future. The customer should not be forced to use a service they dont need in order to avoid Citis hierarchy. 

Citi consistently withholds funds to credit card issuers, which has resulted in higher interest rates and financial hardship for me. Information on Citis online and mobile platforms always conflict with information the representatives give by phone. This is dishonest business, and Citi needs to be held accountable.
Complaint sub-issue: Investigation took more than 30 days

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 more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXX 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 and XXXX and hope from the fraud department I prefer to speak to a XXXX 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 one negative credit items outstanding debt now that is not mines. 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 negative account 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 homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Complaint sub-issue: Having problems with customer service

I obtained XXXX private loans through American Education Services ( " AES '' ) when I was attending college for my XXXX degree in XX/XX/XXXX and XX/XX/XXXX ( respectively ). I still owe almost {$30000.00} on these loans, even though I have been paying on them for years. I pay almost {$240.00} per month on these loans and almost XXXX % of my payment is applied to the interest. One of the biggest issues I had with this company is that I apparently did not qualify for a deferment when I returned to school in XX/XX/XXXX for my XXXX degree. AES had told me that my loans were " too old '' to qualify. Additionally, I have tried on numerous occasions to reduce the payments by either going with a graduated plan or income-based plan. AES says my loans do not qualify for either. If I am even a day late on my loans, they harass me by calling me as late as XXXX XXXX, when I 'm trying to get my kids to bed. I 've called on different occasions when I was behind on payments to either discuss the situation or otherwise work out arrangements and their response to me is always something along the lines of, " we do n't care ; pay what you owe ''. I even had to file for bankruptcy at one point in my life because the loan payments were too much to handle with other financial obligations. 
I 'm married with XXXX kids. I 've never had a job that pays more than $ XXXX/hour and right now, I make less than that working from home right now. I have n't been able to find another job which will pay enough to cover our bills. My husband 's income covers most of our bills, including mortgage, insurance, food, and student loans. Combined, we pay almost {$1000.00} in student loans alone which is half of our monthly income and more than 3 times our mortgage payment. The fact that this company is not willing to help us out or otherwise work with us in any way really puts a strain on our finances. I 've tried complaining to the XXXX, and even sent a message to the White House ( thinking that attention needed to be brought to this company for someone to listen ) and no one seems to care.