Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

I receive a notice from XXXX XXXX in XXXX that XXXX XXXX XXXX have place a XXXX bill in collection for {$290.00}. First i never received a validation notice to inform me of this matter before they just place the account in collection and on my credit report. I immediately sent them a I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it.This company has reported this collection account to XXXX XXXX and XXXX XXXX that stated I owe them in the amount of {$290.00}. I have received a return mail letter stating this account is valid. However they did NOT send adequate information that needed to validate this debt. I asked for the original contract with my sign date and signature. They just sent me a bill
Complaint sub-issue: Investigation took more than 30 days

Hello, I reviewed A copy of my credit report and it shows XXXX XXXX  as a charge off or collection with a balance of {$4800.00}. This is a violation of the Fdcpa.
Complaint sub-issue: Contacted your employer

My part-time employer, with whom I do NOT share and office, and for whom I do NOT have a work phone, received a voicemail for ME SPECIFICALLY and PERSONALLY with personal information in the voicemail. I have the transcript of that voicemail. This was on her personal cellphone, not some office number - there is no office number. 

They used my NAME and left DETAILS. That is horrifying. I have a screenshot of the transcribed voicemail.
Complaint sub-issue: Information belongs to someone else

I have a credit card with XXXX XXXX XXXX with a {$300.00} limit, On XX/XX/2018 they allowed a fraudulent charge of {$1700.00} to be paid. I have disputed the charge several times yet they do nothing to resolve this problem. I have contacted all 3 credit reporting agencies and disputed the account, XXXX  is the only one that has removed this account from my credit report, Equifax and XXXX have not done anything to fix my credit report. This is causing serious problems for me. I am presently trying to buy a mobile home and I may not get approved by the mobile home park because two of my credit scores are extremely low.What really confuses me is that I only had a {$300.00} credit limit, not sure why they would allow a {$1700.00} charge to my account, I did not authorize these charges, This is Fraud!!!! Please Help Me I don't know what else to do.
Complaint sub-issue: Information is missing that should be on the report

Equifax refuses to add positive payment information regarding my account. They claim that XXXX XXXX   card asked them to delete this information. XXXX XXXX claims that Equifax blocks the positive information to report on my file. My credit score is suffering because my on time payment history is not reporting. I have sent numerous letters to Equifax and XXXX XXXX to have this resolved and both companies complain and state that it is the fault of the other company without resolution to the matter
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 rights to privacy and confidentiality under 15 U.S.C 1681. 

1. ( XXXX ) Account number XXXX, Has violated my rights. 


2. ( XXXX XXXX XXXX ) Account number XXXX 3. ( XXXX  ) Account number XXXX 4. ( XXXX  ) Account number XXXX 5. ( XXXX  ) Account number XXXX 6. ( XXXX XXXX XXXX XXXX ) Account number XXXX Original creditor XXXX XXXX 7XXXX XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : All Banks - non specific XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX mail only XXXX XXXX I Inquired on XX/XX/XXXX Business Type : Mortgage Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  Business Type : Mortgage Reporters XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX CO Inquired on XX/XX/XXXX Business Type XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX 15 U.S.C 1681 section 602 A . States I Have the right to Privacy. 

15 U.S.C 1681 Section 604 A Section 604 a Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) Section Sates : no consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other then records of convictions of crimes which antedates the report by more then 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 to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please repair the following accounts completely from my Credit Reports : Accounts : XXXX XXXX EFS XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Complaint sub-issue: Debt was paid

On XX/XX/XXXX of 2022 at XXXXXXXX XXXX  I paid a total amount of {$2100.00} to the National Recovery Agency. They charged me a processing fee of {$7.00} making the total amount {$2100.00}. I had four debts that I paid off that day. In return they were to send a request of deletion letter to the credit bureaus so that these debts would be taken off of my credit score. The National Recovery Agency has only removed one of the four delinquent payments that I paid off that day. On XX/XX/XXXX and amount of {$1100.00} was removed from my XXXX credit report. A total amount of {$1000.00} that I also paid off that day was not removed. This company is very unprofessional and very rude I called them to settle the debt because I was unaware that these were owed and they treated me like a second-class citizen. They talked down to me as if I was not smart enough to understand anything they were saying. And I feel that they did not do what they had promised.
Complaint sub-issue: Information belongs to someone else

This inquiries not authorize or fraudulent inquiries
Complaint sub-issue: Information belongs to someone else

I have sent letters to the reporting agencys to remove all negatives remarks all late payment all inquiries on my accounts but the refuse to do so.scammers have also use my social security number to apply for things I have no knowledge of
Complaint sub-issue: Attempted to collect wrong amount

The XXXX XXXX organization sent my account to a collection company, Receivables Management of XXXX VA, without billing us directly. My family of XXXX has lots of XXXX medical issues in the course of a year, and in every case, we always pay our bill immediately, or in exceptional cases make arrangements to pay extremely large bills over a series of installments. We have a high deductible medical insurance plan, and routinely we pay over {$6000.00} in medical costs until the deductible is met, and when the deductible is met, our insurance faithfully covers the remainder. We use our local XXXX XXXX 6 or 7 times a year, at least until now, and we have never had any issues, and our credit reports demonstrates that we do n't have issues with anyone else. We first became aware that XXXX had sent a balance to collections with Receivables Management of XXXX VA XX/XX/2016 when my daughter required medical care. Naturally, as soon as we were informed that anything was outstanding, we paid the bill in full immediately at the front desk of XXXX XXXX. We contacted the credit bureaus about the matter, and naturally the erroneous information was " confirmed ''. This is an abusive practice and I can not fathom what business purpose it serves to take ordinary receivable matters in turn them into inappropriate collection practices.
Complaint sub-issue: Information belongs to someone else

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE, THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT. I DEMAND THAT YALL REMOVE THESE ITEMS FROM MY FILE TO CORRECT MY CREDIT REPORT. I ALSO REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION & ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIDAVIT. HOWEVER, I REQUEST THAT YOU REMOVE THESE ITEMS IMMEDIATELY. OR I WILL GET MY ATTORNEY INVOLVED
Complaint sub-issue: Information belongs to someone else

General revenue is violating my rights under section FCRA 605 B, by reporting fraudulent balances on my credit report. This is now the second offense of them doing these actions. I attend to bring litigation in third district court if this reporting is not immediately removed within the next 4 business days. They have also failed to contact the XXXX XXXX police department and retrieve the police documents after being given the police report numbers. Instead they negligently reported to the credit bureaus. Under section FCRA 623 it their sole responsibility to gather this information which they didnt do.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

i was granted unemployment and was told i had to usethis bank to get my benefits. i saved {$220.00} from prev biweekly claim to pay my rent. on XX/XX/XXXX XXXX XXXX my benefits hit for {$680.00} bringing my balance to {$900.00}. At XXXX XXXX on the way to my job i stopped at XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX pa XXXX and used gas pump the zip code control was n't working so i had to use my pin #. at XXXX i used the card at XXXX XXXX on XXXX XXXX XXXX in XXXX pa heading to XXXX pa where my new job is.on my lunch break i went and purchased lunch at XXXX XXXX on XXXX XXXX in XXXX Pa. From XXXX XXXX to XXXX est i was on the clock at work as a bill collector. at XXXX XXXX i received a text message that my funds went from {$870.00} to {$7.00} stating i just used card at XXXX XXXX on XXXX XXXX XXXX XXXX XXXX nj for {$200.00} {$100.00} {$100.00} {$100.00} {$100.00} {$10000.00} {$10000.00} ans {$42.00} all withing 2 minutes. i immediately texted help and was given XXXX to call and make a complaint. I called advised them i only have one card and how could this have happened.They faxed me dispute form to my job XXXX fax # i filed out form and sent one page letter faxed back from my job with my job letter head about how i was a victim of fraud and needed help. Once i was notified 2 days later that the claim was put in the rep advised me no police report was needed because i had no clue who done this to me.i also advised the rep i could have my hr department fax my hours down to the minutes and they stated it wouldnt help my claim.i called daily for help because now im 2 months behind on my mortage .different reps refused to put manager on line just kept telling me after 10 days the funds will be back on the card. I still called everyday anyway to hear everything was fine just give them the 10 business days.after the 10 day i called and advised manager that the money didnt hit she told me it will hit by XXXX XXXX on XX/XX/XXXX when money didnt hit i called and demanded a manager. I was then told my claim was ruled as not a mistake and the claim was dropped. I begged for help and was told it was nothing they could do just wait for the paperwork of how they came to the result. please i need help
Complaint sub-issue: Information belongs to someone else

There are items on my credit report related to fraudulent activity. In XX/XX/2021, I began dealing with this tragedy after much research. Completing the FTC was my first steps in trying to have this issues resolved. Presenting just this document to the credit bureaus only got me ignored. So to get better answers I turn to CFPB to help resolve my issue. Never have I applied for anything with this creditor. My authorization was not given to have this account opened. This account was open fraudulently and should be closed immediately.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX Equifax database was breach and the courts have ordered them to settle. My personal information was apart of the XXXX millions of people impacted. I discovered the information on XX/XX/XXXX and went to Equifax website and found out that I am a victim of identity theft and a cyber crime due to my personal information was stolen from the computers of Equifax. I have started the process to protect my information by filing identity theft report, police report and have paid for classes to help educate me on the law and the processes of claim. After going over bank statements and credit reports there are discrepancies I am investigating. It has been a overwhelming process and a very scary scenario. I fear that cyber criminals will continue to use my information, therefore I will be negatively affected.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$15000.00}, {$9800.00}, {$4000.00}, {$0.00}, {$0.00}, {$20000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9800.00} -This is not my account. 

4. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

5. XXXX/XXXX  VISA with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.
Complaint sub-issue: Can't close your account

On the XXXX of Monday I spoke with BBVA to have my account closed. I also reported my debit card stolen. They said it will take 1-2 days, then a transaction took place which overdrafted my account. Funding the account will take more days to fully process then X more days to close the account. I asked them to stop all transactions on my debit and savings account, which they apparently did not do. Theyre stealing money from me and I would like my account closed immediately to prevent this ongoing theft for an account I no longer use or fund. Please help.
Complaint sub-issue: Public record information inaccurate

I have been challenging the accurate reporting of this Bankruptcy being reported on my credit with the 3 bureaus for about a year ... Each time items come back verified ... .how is this possible ... i am attaching items being reported on my credit report that state right on the credit report that they are included in a bankruptcy ... looking on pacer.gov this bankruptcy was discharged XX/XX/2015 ... ..these items need to be removed off my credit report ... .Also looking at this bankruptcy that they are reporting the reference numbers do not match 100 % as it is being reported on pacer.gov ... the court does not match either ... how can they continue to report this inaccurate information on my report? ... They have not conducted a proper investigation ...
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance Owed : {$790.00} ; XXXX XXXX XXXX XXXX**** Balance Owed : {$8.00} ; XXXX  XXXX Balance Owed : {$160.00}
Complaint sub-issue: Debt is not yours

Carter young Inc has put a debt that I do not owe them on my credit reports. I have never had any type of contract with this company. I asked them to send me info with my signature showing I signed something with their company and they never provided anything because I do not owe them anything.
Complaint sub-issue: Problem with personal statement of dispute

I have disputed my loans several times, have been sent to late payment status and my credit score is being affected. I did take out student Loan but school I attended was closed due to fraud. I am no longer available to transfer credits or finish course
Complaint sub-issue: Account status incorrect

I had 2 accounts with XXXX, my local electric company. I was behind on one but trying to pay the other. I contacted XXXX on XX/XX/XXXX to make a payment. They said I needed to pay XXXX . I asked if that included the other account balance because it seemed an unusually high payment. The representative told me yes, when my other service was discontinued the balance was transferred to this account, so I authorized an electronic check over the phone for XXXX . When I applied for a mortgage on XX/XX/XXXX I was told a collections account had just been reported on my credit report that day from MRS BPO for XXXX and my score had dropped 90 points disqualifying me for my mortgage. I had checked my credit report XX/XX/XXXX and there was no collections activity reported. I contacted MRS BPO where representative XXXX XXXX told me they had no record of an account for me. I contacted XXXX and explained I was informed this debt had been included in my XXXX $ payment. XXXX said " they were sorry I had received misinformation from their representative, but the debt was not included and they werent certain if the error could be deleted from my credit report '' and I should contact MRS BPO again. I contacted MRS BPO a second time and representative XXXX XXXX now said I did have a collections account with them but they did not have a policy of deleting information from credit reports even if the account was placed in collections in error as a result of misinformation on the part of the original creditor, and I should contact XXXX to resolve the issue. I contacted XXXX a second time and explained MRS BPO did not have a policy of deleting information from credit reports and I should contact XXXX about the issue. XXXX said they would withdraw the account from MRS BPO so I could pay the XXXX $ balance with another electronic check, and they would contact and explain the issue to MRS BPO and call me back. This was all on XX/XX/XXXX. XX/XX/XXXX XXXX contacted me to report they had emailed MRS BPO and explained the account was placed in error as a result of XXXX providing me misinformation. XXXX also reported MRS BPO had agreed that on Friday XX/XX/XXXX in their weekly update to the credit bureaus they would indicate the account was paid in full and they would include a comment on my report stating the collection account was placed in error, but would not delete it. Having just checked my credit report neither of these actions occurred. Information for both companies is as follows : MRS BPO, L.L.C. 
XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Electric Utilities XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX
Complaint sub-issue: Account status

There are XXXX XXXX Mortgage accounts listed on my credit file that have not had a payment in 7 years, they have been re aged which violates my rights. There has been no investigation completed. If there was the evidence would reflect XXXX is past the statute and these XXXX items would be removed. They XXXX accounts are XXXX # XXXX and XXXX # XXXX
Complaint sub-issue: Account information incorrect

I received a  XXXX  form dated for  XXXX  from   XXXX   XXXX   XXXX   XXXX  . in regards a   XXXX   XXXX   XXXX   account  ( cre dit card ). I have sent numerous letters all three credit bureaus and to   XXXX   XXXX   XXXX   asking for my credit report to be updated to properly reflect my balance as {$0.00}. As of right now,   XXXX   XXXX   XXXX   my credit report still shows a balance owed of {$17000.00}  ( this is not correct and is severely damaging my credit reports and credit scores ). I  demand action and my credit report be updated immediately. I also want a letter from   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . stating this will be fixed permanently within the next 30 days. They have had 4 years to correct the problem and I am still fighting this.
Complaint sub-issue: Problem lowering your monthly payments

Have made all payments but its insanely high. They refuse to lower and interest builds at alarming rate. Its a black hole.