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

On XX/XX/XXXX I was contacted by representative XXXX of JVS Group stating that she was attempting to collect a {$470.00} debt incurred by me for medical services. I expressed to her that I had a XXXX balance with the medical provider that had been recently confirmed. I asked her for an itemized bill detailing the dates of service, patient names and amounts that she was attempting to collect for. She stated that she was unable to mail me this information but provided me with a list of dates and amounts that did not add up to the amount they said I owed. I immediately called the original debtor who checked in their archive system due to the oldest date of service originating in XX/XX/XXXX. They again confirmed that I had no outstanding balances other than an account sent to another collection agency that I make monthly payments towards. All other services had been paid for- not written off or otherwise sent to collections. 

After reviewing the matter, and fearful of aggressive collecting tactics that could destroy my credit, on XX/XX/XXXX I mailed a certified letter to JVS to formally dispute the validity of the debt. I expected a return notice that they had received my letter. It never appeared. Instead, on XX/XX/XXXX I checked the tracking number via USPS.com and learned that a notice was left at the address but no authorized recipient was available. So, I called XXXX XXXX listed on the collection letter from JVS. He was very unhelpful and advised me to mail my letter of dispute via regular postal mail or to give him my phone number so that he could research my complaint. Then, after I refused to give him my number ( which his office has since XXXX called it before ), he stated that I had several open collection accounts, he was a very busy man on his way to a meeting and unceremoniously transferred me to his voicemail! I left him a message with my name and my JVS account number and advised him to cease and desist all collection activity since I dispute his claim.
Complaint sub-issue: Was not notified of investigation status or results

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX  and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, DPT EDXXXX, XXXX, US DEP ED, US DEPT OF ED/XXXX, USDOE/XXXX  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Complaint sub-issue: Problem with fees

This is in response to Citibank 's response to Complaint XXXX filed on XX/XX/XXXX regarding being charged for merchandise not received. Citibank 's response is attached as Exhibit IV and states that a permanent credit was issued regarding the original disputed amount. However, Citibank continues to report late payments for XX/XX/XXXX, XXXX/XXXX and XX/XX/XXXX to the credit bureaus and shows an unpaid balance of {$180.00}. The unpaid balance and " late payments '' consists solely of interest and monthly fee charges resulting from Citibank 's original refusal to issue the above referenced credit that was ultimately issued effective as of XX/XX/XXXX. Citibank issued a temporary credit when the dispute was originally brought to their attention. However, the temporary credit was charged back on XX/XX/XXXX and Citibank began charging interest and monthly fees, as detailed by Exhibit I and supported by statement copies at Exhibit II. During the pendency of the dispute, all current charges I made were paid during the grace period and, as shown on Exhibit II, I ceased using the credit card completely effective XX/XX/XXXX in light of Citibank ' s refusals to timely investigate and properly resolve the dispute. Citibank 's charging interest and monthly fees on a disputed charge ultimately credited has had the result of taking my credit score that exceeded 800 down to the 750 's. 
I have also enclosed Exhibit III which is a CFPB policy stating that interest will not be charged while a disputed charge is being investigated. Common sense would dictate that the same would apply to monthly fees resulting from the same disputed charge.
Complaint sub-issue: Information belongs to someone else

I am so confused how credit bureaus obtained my information..I have never received any kind of correspondence from XXXX  XXXX  XXXX  XXXX  XXXX ... I have no financial obligation to this company and because I did not sign for this account, please remove it from my credit report
Complaint sub-issue: Was not notified of investigation status or results

These accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX  since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 30 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 50 days, so they should be erased immediately.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I reached out to Equifax early XX/XX/2019 to inform that after going online to dispute several issues with my credit report. I was directed to answering 4 questions to identify myself, none of the questions applied to me. The first two questions were regarding a loan, the following questions were the amount of the loans. I was locked out. I called for the two weeks, and finally got someone to look into the information. They were able to start an investigation on the items I needed to dispute. I've received the emails with the results of the dispute, however when I start the process of reviewing the results. I have to verify again, and the same issues arises. I can't be verified, through the email links. As of XX/XX/2019 I've sent several emails to the corporate contacts XXXX, XXXX, XXXX, XXXX. I was promised several times by XXXX XXXX, they would look into the matter to resolve it for me. I've sent more emails as a follow up and no one responds to my emails at all on this matter. My last follow up was to the President, XXXX XXXX on XX/XX/2019 and no response into addressing my concerns to get this matter corrected due to the inaccuracies on my credit report and several of the creditor verifying an account is mine. I'm in the process of purchasing a new home. I asked Equifax, what is the process of a creditor proving that a debt is mine? If they were required to show written or a signature of mine verifying a debt is mine and they stated, it's just a system that's used that says its my debt. I'm not clear, and I'm unsure if this is the correct way in which the process actually works. Any help and guidance you can provide in helping me to get this matter corrected would be greatly appreciated.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX Talk to XXXX XXXX  about the debt i paid in full with XXXX XXXX XXXX  was told that i needed to talk to XXXX XXXX XXXX about the tradeline being reported as owing XXXX Again call XXXX XXXX XXXX and they sent me back to XXXX XXXX.
Complaint sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finish

To Whom It May Concern, I am writing you in complaint about Audi/VW Financial. I was directed by OCCC to CFPB because of the nature of the loan. I have a lease for 36 months thru Audi Financial. The price of the car was about {$70000.00}. In which I preceded to put {$12000.00} down upfront to get the payment to where I felt comfortable. In all leases there is a total amount due. Usually closed ended leases calculate that as the total of remaining payments ( including interest/deprecation ). Open-ended leases are different story. In my case, ( closed-ended ) I have had this car for 12 months and was hit by a old lady with only liability insurance. Obviously her insurance company did not cover the entire cost of the car in which my insurance, XXXX, covered under underinsured driver. I problem here now lies that Audi gave me a payoff on the lease of {$50000.00}. My insurance, in which I was not at fault and currently suing the other party for injury, is paying out {$54000.00}. Audi financial is stating they are to keep the overage in payoff. I have spoken to 3 supervisor in Audi total loss department and none of them could answer the question Why? I am in the car finance business. I work with both XXXX and XXXX XXXX, which is XXXX XXXX. Nobody in either total loss department could understand why Audi is refusing to give the money back. I reach out to you in hope that I can get some type of help in resolving this problem. I feel that regardless of the car being leased or financed if there is an overage in payoff, paid by insurance carrier would go back to the insured. Reaping the benefit of my good insurance. I do not believe it is lawful for Audi to keep that money. Because where I stand I am getting total screwed by both Audi and the old lady that hit me. XXXX has stepped up to help but their hands are tied. please contact me at the information below. 

XXXX XXXX XXXX XXXX the lease thru Audi is in my wife 's name XXXX XXXX XXXX Audi acct # XXXX payoff {$50000.00} insurance {$54000.00}. 
total diff {$4100.00}
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2022 I received an email stating my accounts would be closed within 60 days. I have contacted Citi Bank multiple times via phone to have the remaining funds in my checking account sent to me. I was told a check would be sent within 60 days, and I had no option to obtain funds sooner, despite the email stating If you believe these funds should be sent to you sooner than the expected closing date, please visit your local branch or call the number on the back of your ATM/debit card. I was also advised I was not able to go to a branch for assistance. Since this timeframe has passed, I reached back out to Citi Bank and was told I would no longer be receiving any funds. The funds in my Checking account totaled {$270.00} at the time I received the notice of closure. These funds are rightfully mine and Citi has no authority to keep them. My account statement shows an other debit in the amount of {$270.00}, leaving my account at a {$0.00}. I demand to know where my funds went, and prompt return of the funds to me.
Complaint sub-issue: Used obscene, profane, or other abusive language

I am cleaning up my credit and had a debt with pro collect incorporated. So i called the company to pay my balance owed in full. After getting nothing but rudely ran around on I finally was told that my file is closed and only one person Mr XXXX, can deal with me. After emailing him I received a call from him and couldnt believe this was real. He was so aggressive, hostile and rude. I felt like I was arguing with my sister. Yelling over me completely. Hung up on me after screaming at me. For asking basic questions about credit repair. So I still had not paid the only debt I have to pay. I called back and again had the same issue. Thankfully the calls are recorded. So after more arguing he finally hangs up. Said he was the boss I cant complain because he is in charge. And literally I went straight to XXXX to see who I could complain to. Found over 300 reviews saying the exact same thing. All of their tactics are illegal. Overly aggressive. Its not illegal to ask for pay to delete. Thats the point of paying. So two days later and still trying to figure out how to pay this debt. Ive been hung up on by everyone at that XXXX  business. They will not accept card payment. Only through XXXX  or XXXX  XXXX. Gave me wrong account number and wasted my trip to XXXX  as a single mother with a baby. Avoid pro collect incorporated and their trashy employees.
Complaint sub-issue: Account information incorrect

XXXX XXXX is reporting information to my credit file showing a closed account with an outstanding balance of {$3200.00}. They are also reporting incorrect monthly installment payments of {$400.00}. This is also incorrect. This account was paid in full in XXXX, therefore, XXXX should be reporting a XXXX balance. On XX/XX/XXXX. XXXX, I filed an online dispute with Equifax to report that the {$3200.00} balance reported to my credit file by XXXX XXXX was incorrect. On that same day I contacted XXXX and was told that my account was paid in full. Equifax completed their investigation on XX/XX/XXXX, but did not correct my credit file because, according to them, XXXX XXXX told them that their reporting was correct. I contacted XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX and was each time was told that my account was paid in full and showed no balance owed. 

I am hereby filing a complaint against both XXXX XXXX and Equifax because their reporting errors are negatively affecting my ability to obtain credit due to being over obligated.
Complaint sub-issue: Their investigation did not fix an error on your report

This is my second complaint ( the first one was on XX/XX/2021 ) now with the bureaus they lack on giving me proper investigation. I did my own with XXXX XXXX which is where the bureaus is getting their information from and XXXX XXXX removed the bankruptcy from my report XX/XX/2021 because they can't confirm the accuracy of the bankruptcy. I've also filed an FTC report because not only is the bankruptcy not mine there are addresses, inquiries and accounts that do not belong to me. This is my last attempt in getting these inaccurate items removed if everything that I've listed is not deleted ASAP I am moving forward with legal action against all of the bureaus for not only reporting inaccurate information but not conducting a fair and proper investigation. Now there is a new account in collections that isn't mine along with inquiries. They still never even placed any fraud alert! 

First complaint ID with XXXX XXXX First complaint ID with XXXX XXXX First complaint ID with Equifax XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account 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 instructions. 

2.

In accordance with the Fair Credit Reporting act XXXX Account 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 instructions. 

In accordance with the Fair Credit Reporting act XXXX Account 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 instructions.

In accordance with the Fair Credit Reporting act XXXX  Account 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 instructions.
Complaint sub-issue: Company closed your account

Account was opened XX/XX/XXXX, XXXX credit limit i was in hardship with losing job they continued to report the account late, after being told of this hardship. the account was closed, and i paid the account off now they are refusing to remove the account or late payments and they are not reporting the card or balance anymore last update was XX/XX/XXXX its XX/XX/XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

thier are inquiries on my credit file i did not authorized, witch i believe is fraud due to equifax security breach. 1.XXXX XXXX XX/XX/2018 2. XXXX XXXX XX/XX/2018 3. XXXX XXXX- XXXX XX/XX/2018 4.XXXX XXXX XX/XX/2018
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXXXXXX Balance Owed : {$380.00} XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/2019
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have requested several times for the bureaus to remove these inquiries but they refuse to. I am requesting written proof they belong to me!
Complaint sub-issue: Information belongs to someone else

[ Date ] [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, ct, XXXX ] [ XXXX XXXX XXXX ] [ ] RE : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act [ Description of fraudulent transaction/account ] [ Dates of fraudulent transaction or Account Number ( if known ) ] Dear Sir or Madam : I am a victim of identity theft.. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent [ XXXX  ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. 

Enclosed with this request is the following documentation, as applicable : 1. I have Proof of my identity : i send A copy of my drivers license, ; and 2. i send Proof of my claim of identity theft : A copy of the police report about my identity theft ; and A completed and signed FTC Identity Theft Report or alternative affidavit of fact. 


Please provide all records relating to the fraudulent [ transaction/account ], including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address. 

[ If applicable : In addition, I authorize the law enforcement officer who is investigating my case to submit this request on my behalf and/or receive copies of these records from you. The law enforcement officers name is in the police report I send, address and telephone number is : If you have any questions concerning this request, please contact me at the above address or at XXXX XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

I been trying to resolved the issue for over 2 weeks. I have attach a letter explaining everything and documents that shows that someone is using a credit under my name and macy is allowing to do it. please review every single document that I will be summing. 

Thank you XXXX XXXX
Complaint sub-issue: Personal information incorrect

I have sent numerous dispute requests to XXXX, Equifax and XXXX to remove the addresses that I am not familiar with and do not belong to me. I have sent off this request every 30 days since XX/XX/2020, I have attached my license, ss card, utility bill and bank statements to show my correct address which is : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX I need all other addresses that are not related to me removed from my Equifax, XXXX and XXXX reports.
Complaint sub-issue: Account status incorrect

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX XXXX XXXX