Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

An accordance with the Fair Credit Reporting act 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
Complaint sub-issue: Reporting company used your report improperly

XXXX  XXXX XXXX gave my Mortgage account to XXXX to service XX/XX/XXXX. I filed XXXX Bankruptcy, XXXX in XXXX. I did NOT reaffirm this debt yet every time XXXX XXXX XXXX gives to XXXX ( XXXX now since XXXX ). XXXX puts on my credit report, Currently only showing on Equifax. This is against the Bankruptcy law as Im not responsible for this debt. XXXX blames XXXX  XXXX XXXX for not giving them the info and telling me I need to request it to be removed which can take 30 days. and XXXX  XXXX XXXX says they gave them the information. Again this is the 2nd time happening and in the meantime my credit is affected by XXXX points. Not only that but the info given to the Credit report is incorrect. The Credit agency should also be responsible for allowing this to happen a 2nd time.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I noticed there are fraudulent and unauthorized inquiries on both my XXXX  report and XXXX  report. I am a victim of identity theft. The companies who fraudulently placed a hard inquiry on my report are XXXX XXXX XXXX XXXX, Credco and XXXX. 

These inquiries need to be removed or further action will be taken.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Frequent or repeated calls

Loan Opened XX/XX/XXXX for couches and entertainment set. ( cohns home plus ) Paid XXXX $ monthly. at 0.0 % interest. I had a previous balance of XXXX $ that I was told that would roll over onto one account ( opened XX/XX/XXXX ). 
Come XX/XX/XXXX I was having excessive collection calls on both my phone and husbands phone 6-10 times a day each sometimes back to back, regarding balance from " closed '' account, {$500.00} balance. and current balance. 

Example : loan due XXXX of every month. today is XX/XX/XXXX 3 days past due and we have had 20 phone calls in the last 2 days. 
I have made 2 different attempts to file complaints and have been told that the company has no control over phone call limits. I have asked to speak with the legal department and keep getting routed to customer service.
Complaint sub-issue: Account information incorrect

I would like this to be taken very seriously as I 've been working extremely hard to clear up and clean up my credit ; Prior to my credit updated via XXXX XXXX, I had a XXXX via Equifax + XXXX on my XXXX, My new SECURED CC had yet to report ( The balance is less than {$33.00} ( It 's now showing {$190.00} ) ) - However I also still had a collection on my account prior to it updating. 

The final collection account was finally removed ( So I had nothing remaining in collections when it updated ) and my secured card finally showed up, somehow my XXXX dropped 25 Points to a XXXX ; and My Equifax dropped 62 Points to a XXXX. 

Keep in mind, there 's no more collections after I had a TON of collections removed etc and cleared up, Additionally I got a new CC ( Secured ) and have less than a 25 % current balance on that card. 

I was expecting my scores to skyrocket, instead they 've tumbled. WHY is this exactly, I really do n't understand, I 've done everything to clear this up and get this fixed. It does n't make any sense.
Complaint sub-issue: Their investigation did not fix an error on your report

OnXX/XX/XXXX, I sent a letter to Equifax regarding 4 accounts being reported by XXXX XXXX XXXX XXXX in the amount of {$75.00}. I have attempted to contact the collection agency several times by phone and mail to get validation this debt, to no avail. I have disputed this account several times with Equifax due to the address listed on my credit report being incorrect and the phone number being disconnected. I even called Equifax about this problem onXX/XX/XXXX and was told that they would reinverstigate. OnXX/XX/XXXX, I sent a certified letter to the collection agency to the address listed on the report and the letter was returned as undeliverable. ( see copy attached ). However, despite this, I received another letter from Equifax, dated XX/XX/XXXX, wherein they claimed to have verified the account and listed the same undeliverable address and disconnected phone number. ( see report # XXXX attached ) After sending yet another dispute on XX/XX/XXXX, Equifax changed the address listed on my report dated XXXXXX/XX/XXXX.  However, a review of the State of Florida Division of Corporations website revealed that the fictitious name filing for XXXX XXXX XXXX XXXX XXXX, which lists the same address as the Equifax credit report, expired in XXXX. Therefore, this company is not even authorized to do business in Florida. ( see attached Division of Corporation document ) As part of my dispute on XX/XX/XXXX, I sent copies of my XXXX and XXXX reports which showed that both bureaus deleted these XXXX XXXX XXXX accounts months ago as I 'm sure they experienced the same problems I had with verifying these accounts. ( see attached XXXX and XXXX reports )
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 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. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX {$2100.00} XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX {$2500.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Those hard inquiries appeared on my Equifax report that I did not recognize. So that I did not authorize those inquires on my credit report List of hard inquires : XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have several inquiries on my credit report by the same bank multiple times. This was NOT authorized by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries need to be removed
Complaint sub-issue: Account information incorrect

I sold a house in XXXX of 2016 -- paid the mortgage off -- and it still shows as an open account with a balance of $ XXXX I have tried multiple times to get this fixed and changed on my credit report to show the debt as paid and the account closed to no avail. 

Most recently, I contacted both XXXX and Equifax as well as XXXX XXXX XXXX XXXX to attempt to get this resolved. 

I have gotten letters stating that a review has been completed and they did not change anything on my report. Again. 

I have also attached a letter from XXXX XXXX stating that the loan is paid in full and that they were working with the reporting agency to get the reporting issue resolved.
Complaint sub-issue: Called after sent written cease of comm

Clear back last XXXX I got several awful voicemails from someone mumbling about a " personal business matter '' that their lawyers wanted to speak with me about. Eventually ( XXXX ) they called and I answered. They specified they were from " West & Associates '' collecting on a Debt from XXXX. A few days later I got a letter in the mail from them saying they were going to sue me in court and press judgement against me. Immediately I sent them XXXX letters ( attached ), XXXX asking them to VALIDATE debt, and another telling them to cease all contact except via written letter to me ( sent on XXXX XXXX XXXX ). They ceased all communication until XXXX XXXX XXXX at XXXX XXXX and again on XXXX XXXX XXXX at XXXX XXXX I received a phone call from them ( I still have the voicemail. ) I sent them XXXX more letters ( attached ) which were signed via Return Receipt last MONDAY. Again, telling them to cease contact with me, and to validate the debt. Yesterday ( XXXX XXXX XXXX ) They CALLED ME AGAIN. I notified them via phone that they are not to call me. They always yell at me and do n't listen to what I have to say and hang up. I KNOW they know they are not to call me anymore but they still do so. I will, from here on out, submit a complaint into your system anytime they call me. I have attached the following ; All letters I 've sent them, the return receipt signatures, and a recording of the phone call on XXXX XXXX XXXX. ( I did let them know they were being recorded. ) I 'll also try and include screenshots of my phone calls from them since I sent them the cease contact letter. 

This company has not only failed to validate my debt, but they 've also ignored every chance I 've contacted them to cease all phone communications. Now they 're harassing people that are n't even related to me, as well as my family. 

I will, gladly provide more information if needed.
Complaint sub-issue: Information belongs to someone else

" " '' I have disputed this collection on this XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Complaint sub-issue: Didn't receive notice of right to dispute

When contacted by ProCollect via my cellular phone [ XXXX XXXX. ( XXXX ) XXXX ] ProCollect [ XXXX XXXX. ( XXXX ) XXXX ] violated my rights under the FDCPA. 

ProCollect called me on XX/XX/2023 from [ ( XXXX ) XXXX ]. That initial call was at XXXX and I spoke with a XXXX XXXX XXXX After vaguely telling me what the nature of the call was, the amount owed and who the creditor was, I informed her that the debt was quite old and I wanted to dispute the debt. XXXX XXXX replied to me that I was not able to dispute the debt, that the debt was valid and that I needed to take care of the amount owed on my account immediately. She attempted to provide me with payment instructions via an address ( and by providing me with my account number ) and I reiterated that I did not owe this debt and I wanted to dispute it. Again, I was informed that I would not be able to dispute the debt and again XXXX XXXX attempted to collect on the account. XXXX XXXX also never informed me that the call was from a debt collector and an attempt to collect on a debt. Following more discussion on the matter and refusing to allow me to dispute the debt, XXXX XXXX eventually disconnected the call. 

Subsequently, I called back to ProCollect multiple time via the contact number provided to me by XXXX XXXX ( XXXX ) attempting to clarify the situation and make sure that the debt to which I was being contacted regarding was notated correctly as disputed. In following phone calls, further misinformation was again provided to me : that the debt was valid and that I was not able to dispute the account. After finally getting a supervisor on the line, she informed me that I would be able to dispute my account via the ProCollect website, but that I had to supply the proper evidence regarding any dispute by XX/XX/XXXX a timeframe of only four days from when the call was occurring. When I asked about the required 30 day right to dispute, she stated to me that the information on that was not correct. This supervisor also disconnected with me during my discussion with her on my account. 

I possess screenshots from my phone 's call log detailing the times and call durations for these calls.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have a few inquiries on my report from unknown companies. Please remove these from my credit report. 

1. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

7. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased a product from XXXX XXXX for approx. {$600.00} in XX/XX/2020. The item was shipped by XXXX. I was notified by XXXX it was to be delivered on a certain day. I then received an email that the item was delivered, but it actually was not. I called XXXX and told them I never received the item. They said they see that the item was not delivered and provided an investigation number. After a few days, I called back and they acknowledged that the item was lost. They told me to call XXXX XXXX. XXXX XXXX said they were unable to issue a credit as the item was marked " delivered '' in the system, so I should dispute the charge on the credit card. It was a XXXX Visa administered by Elan Financial Services.

I disputed the charge and it was reversed. Several weeks later I received a letter from Elan that XXXX XXXX said the item was delivered, as proved by per the XXXX system, and that I needed to provide a counterclaim. I did so and provided the XXXX investigation number which can be used, per XXXX, to show the item was lost. On the next credit card statement, the {$600.00} charge was reinstated. I called Elan and spoke with XXXX on XX/XX/XXXX. She said that the charge was reinstated because my response letter was received a day late, but they have now reopened the claim and I should see the charge reversed. It was not. I called again on XX/XX/XXXX and spoke with XXXX, as the payment was due the next day. She said that the charge should be reversed, not to make the payment, and someone would call me back in 48 hours. No one did. I called again on XX/XX/XXXX and spoke to XXXX. She said that my claim was denied because it was not received timely and there is nothing they can do. I asked why I was told differently during my previous two discussions and did not receive an answer. Elan is telling me I am responsible to pay for a {$600.00} item that I never received.
Complaint sub-issue: Attempted to collect wrong amount

Few years ago I used my XXXX XXXX  out of town and paid all deductible amounts, etc. 
After one year, I kept receiving suspicious invoices from other people. 
I never responded and XXXX never charged me for any payment. 
Now after few years I got attached debt collector letter that I do not want to respond. 
I have an automatic payment account with same XXXX XXXX XXXX XXXX and they always draw out any money I owe them. 
Therefore, I do not want to communicate with other unknown entity.
Complaint sub-issue: Overcharged for something you did purchase with the card

to whom it may concern. 
on XX/XX/XXXX, i purchased an Item from XXXX : {$140.00}, and the purchased was canceled, then on the XX/XX/XXXX the full amount of {$140.00} was credit back to my discover card end : XXXX this was showing on my discover account website. but on XX/XX/XXXX the discover posted the temporary an investigate pending amount {$140.00}??? why be cause the XXXX already credit & refund it back to my account on XX/XX/XXXX. now the discover card said I OWE {$140.00} back from XX/XX/XXXX as it said reversal on my account ' however it post as XXXX transaction {$140.00} ON XXXX?? WHY NOW?. From XXXX XX/XX/XXXX all my account statement never posted any amount {$140.00}, until now XXXX?? DOES THIS ACTED comply with the '' BUSINESS & PROFESSIONAL CODES ''? 
- Please be kind to fully investigate this matter, to ensure it won't happen to any consumer. 
BEST REGARDS XXXX XXXX CELL # XXXX
Complaint sub-issue: Problem with fees

My payment is due on the first of each month. On XX/XX/18 according to my phone record, I made my payment at XXXX Eastern time. When I received my next statement I had a late fee of {$27.00}. 

XXXX credit statement does not give clear information on the time phone/internet payments are due. It only states " crediting times vary, but generally must be made before XXXX XXXX   CT to XXXX XXXX CT depending on what day and how the payment is made. If you are making an internet/telephone payment please contact Cardmember Service for times specific to your Account and your payment option. '' However, when you call there are extremely long wait times to speak to a customer service representative. I waited 25 minutes before finally hanging up. After several attempts and further waiting on hold, I was eventually able to speak to someone. The person was extremely rude and kept cutting me off and talking over me. I finally took down his name, which was XXXX, operator # XXXX, and because of his extreme rudeness I requested to speak to a supervisor. He kept demanding to know why I wanted a supervisor and it took a long time with him yelling at me before I finally was put through to a supervisor named XXXX. 

XXXX was slightly better to deal with. He explained that phone payments have to be received by XXXX CT. I explained that according to my records I made my payment at XXXX ET ( XXXX CT. ) He said that their records showed my payment not being made until XXXX ET. I questioned the accuracy of this, but he was determined his records were the correct ones, not mine. He did, however, remove the late fee, but this was a lot of hassle to go through. And, my understanding is that the CARD ACT requires that payments be credited on the day they are received. All of my other credit cards have a cutoff time of XXXX ( in their respective time zone. ) If phone payments are due at XXXX CT, why isn't this stated clearly on the statement? It seems like this system is designed to trip people up so they can collect more late fees. Customer service is poor and it is very difficult to get through to someone.
Complaint sub-issue: Their investigation did not fix an error on your report

Please be apprised that you are in direct violation of the Fair Credit Reporting Act. In my opinion you have violated my rights : I understand you must complete a proper investigation within 30 days of receipt of my letter 15 USC 1681i ( a ). On XX/XX/2021, I received a copy of my credit report and found errors on it so I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX, a request to Equifax to verify/validate an unverifiable item reporting on my credit profile. The item reporting on my credit profile is an account from XXXX XXXX, which I have no idea what this even means. 

You claim the account in question was verified but did not show proof as requested. I do not know what resources your company used to verify the account. The burden of Proof is on you. In this complaint accompanies my Letter asking for Removal of Inaccurate Credit Information. 
Thank you very much for your time Sincerely, XXXX XXXX
Complaint sub-issue: Account status incorrect

XXXX XXXX its paid in full XXXX XXXX XXXX both paid in full XXXX Needs too be removed also Ive ask that my inquiries be removed all the ones that are not tied to account be I did give permission to check undates on credit cards are not right
Complaint sub-issue: Debt resulted from identity theft

Ive asked numerous times for this debt to be validated and for copies of any and all documents they claim they have with my signature and im denied.
Complaint sub-issue: Can't close your account

I have several accounts with US Bank since 1995. I moved from the XXXX, XXXX branch to XXXX XXXX, XXXX 8 years ago. I continued to bank with US Bank with our business account however our personal accounts were moved to XXXX  XXXX XXXX. This was due to there not being a local US Bank within XXXX. I contacted the branch in XXXX, XXXX to close a personal account that has been stagnant for 8 years. I provided every verification needed to identify me as the account holder and I was told that i could not close the account because there was a XXXX XXXX as the mailing address in XXXX, XXXX.I asked what the process is to change this XXXX XXXX to my address on file with all my other accounts at US Bank and I was passed along from the branch to online business back to personal online with no solution on how to change the address without flying to XXXX and physically walking into the branch bank and requesting. The timer on my cell phone registered 9 different phone calls totaling 237 minutes. The customer service is absolutely unacceptable.
Complaint sub-issue: Funds not handled or disbursed as instructed

I have corresponded with the banking institution and it is going on 2 years with no resolution. I have complied with the requests and documentation. Banking institution refuses to provide my account with the credit while they investigate the fraudulent activity. I have phone records and USPS certified mail receipt of the documents being delivered. USPS Certified Mail Receipt No. XXXX XXXX XXXX XXXX XXXX. Email also provided on XX/XX/2020 with the documents requested as well. The incident number they provided for reference is : XXXX. The banking institution customer service and " supervisors '' allege that the check was cashed by XXXX  XXXX XXXX, the intended payee of the check does not utilize XXXX XXXX XXXX to endorse any payments that I have made to them for 2 years. The checks that are attached for reference does not reflect the checks as endorsed, but instead is blank. The intended payee has stated to me this has NEVER been received and continues to bill me for these monies.
Complaint sub-issue: Account status incorrect

The following XXXX opened in XX/XX/XXXX and paid in full via debt collectors, several years ago, after the statute of limitation already allowed for this debt to be canceled, has all of the sudden been reported XX/XX/XXXX why now?

Ive been working hard to improve my credit score and now this appears out of the blue to damage it. Doesnt it seem very suspicious?

Thanks for your attention!

This has been paid in full at least 5-10 years ago, unknowingly after the statute of  limitations made it unnecessary, through a debt collector : XXXX XXXX Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$4700.00} Term -- Monthly Payment {$5400.00} Responsibility Individual Account. 
Balance {$5400.00} Highest Balance {$6900.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$5100.00} Times 30/60/90 Days Late 1/1/3 Remarks Charged off account Account closed by credit grantor