Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with personal statement of dispute

Last year I went through a time of fore bearance with my mortgage with XXXX XXXXXXXX XXXX. I was told by them that I would have to check in periodically, which I did and that I would not need to make any payments and there would be no payments demanded during this time. I was able to start making regular mortgage payments starting last XXXX and have been on-time/current ever since. I was told by the people that processed the loan modification after the fore bearance that I would have to have twelve consecutive months of not missing or being late on my mortgage payments and then I could re-finance at that time ( XXXX of this year ). I found out yesterday that XXXX XXXX XXXX reported me 60 days delinquent on XX/XX/XXXX and then 150 days late on XX/XX/XXXX. I called to speak with them regarding this today and was told by their representative in the account resolution team that I missed some check-ins with them during that time of forebearance and so they were required to report it that way to the credit bureau XXXX All the time, every month I would check in they would tell me that they understood and that nothing will impact my credit, not to make any payments until they were able to get the loan modification completed. They did the remodification in XXXX of last year and I started making payments the first of XXXX and faithfully on time without fail ever since. This now locks me in to stay in this loan with XXXX for XXXX years according to what I was told by another lender who was looking into the possibility of refinance and getting some equity to pay off some debt/make some home improvements. I feel they were not operating in any integrity and now just want to keep me locked into their mortgage for XXXX years without me having any options. There have been several calls from representatives of XXXX to try and get me all set up for refinance with taking out equity in XXXX of this year and now I find out that it will be XXXX of XXXX before I can refinance based on this error in their reporting against what they instructed me to do and said would happen.
Complaint sub-issue: Reporting company used your report improperly

I have tried to call and reach out to XXXX, equifax, and XXXX and even send letters requesting an investigation of the following inaccurate accounts reporting on my credit report 30+ days ago. I am really upset because the credit bureaus claimed that they have completed a reasonable investigation with the furnisher of the account and verified 100 % that the accounts listed below are accurate. However the accounts are continuing to report errors on my credit profile, which is causing damage to my credit score and history which is unacceptable. 
Account name / numbers. 

XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. Not only have them ignored my prior requests for validation of debt ( see enclosed copies of receipts letters ) but they also continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow guidelines of The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.
Complaint sub-issue: Didn't receive enough information to verify debt

I disputed the accuracy of the information reported on my credit report XX/XX/2017. I never received a response detailing the debts accuracy and fairness.
Complaint sub-issue: Not given enough info to verify debt

A former employer has stated I owe him money. However, according to my records I have paid this debt in full and in fact am owed money by this employer due to an overpayment. I requested a verification of debt and proof this money was still owed after my payments and my former employer provided only a copy of an invoice that he typed- no backup, no proof. I however provided a XXXX Page document showing that I do not owe this money and that is has been paid in full and that he owes me money. This is a civil matter between my former employer and myself. Only a court of law can determine if I owe him money or he owes me, not some third party collection company. Furthermore, a copy of a invoice with no backup is not a valid proof of debt - anyone can type an invoice. This collection co is also reporting to my credit as rental/leasing debt which will hamper my ability to rent a property. I do not owe a debt stemming from any sort of unpaid rents. My prior company is a XXXX. I do not owe any sort of rent to them which is what they are categorizing it as. I have called this company and mailed them a letter stating I dispute this debt. Their response is that the invoice copy is a valid proof of debt!!!
Complaint sub-issue: Information belongs to someone else

my information was used fraudulently by an unknown individual with my consent, resulting in numerous open account that was not paid. i was confused when i saw my credit report with all these debt that was not mined, i wonder how is that allowed by creditors who open these credit lines. i was told by a friend who had it happened that i can get some if not all removed from my credit report, i am really hoping that happened for me. my identity was stolen badly.
Complaint sub-issue: Debt was result of identity theft

Today XX/XX/2021 I noticed an unauthorized collection on my consumer report first reported XX/XX/2021 from a XXXX  bill Ive never had nor gave consent for anyone to open I would be delighted if I could be helped with this matter resulting in account deletion.
Complaint sub-issue: Debt was result of identity theft

A fraudulent account with XXXX XXXX  was opened without my consent using my social security number. They charged {$1100.00} dollars, and I never received a bill or was notified that an account had been opened in my name until the amount was sent to collections. I began receiving letters from Jefferson Capital Systems ( the debt collector ) about this amount owed, as well as daily phone calls requesting that I pay. I contacted XXXX on XX/XX/XXXX to dispute the charges as fraud identity theft, and after an investigation, they determined that I was not responsible for the charges on the account, and thus cleared any debt owed under my name in their system. They also said that they would send notice to all three credit bureaus that the debt was not legitimate. I also called Jefferson Capital on XX/XX/XXXX to try and clear the debt on their end, and they said they would open an investigation to the legitimacy of the debt. I gave them information regarding the results of XXXX 's claim dispute which stated that I did not owe the debt. The calls and collection letters did not stop. On XX/XX/XXXX I called XXXX again to check on the status of my claim dispute, since I was still receiving collection letters and daily calls. They told me that they would send another notice to the credit bureaus and to contact Jefferson Capital. I contacted Jefferson Capital again on XX/XX/XXXX and they again told me that they would dispute the claim. I stopped receiving collection letters and phone calls around XX/XX/XXXX, but when I checked my credit report recently, I saw that I am still under collections for {$1100.00} by Jefferson Capital. I called XXXX again on XX/XX/XXXX to make sure that the dispute had been settled, and they sent yet another notice to the credit bureaus and recommended that I dispute the fraudulent debt with the bureaus directly. I also filed a local police report for identity theft on XX/XX/XXXX detailing the situation. Thought I was a victim of identity theft and my name has been cleared of all supposed debt by XXXX, my credit report is still being negatively impacted by the {$1100.00} in collections by the debt collector Jefferson Capital Systems.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I never applied for this company, i don't recognize this inquiry.
Complaint sub-issue: Information belongs to someone else

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. 

XXXX XXXX ; XXXX Original Creditor : ) XXXX
Complaint sub-issue: Old information reappears or never goes away

The Creditor may not treat a payment on an account under an open end consumer plan as late for any purpose.
Complaint sub-issue: Problem during payment process

I purchased a mattress from Macy 's on XX/XX/XXXX and was provided an option to defer interest for 12 months if paid in full. I most recently made two payments ( {$90.00} in XX/XX/XXXXand {$200.00} XX/XX/XXXX ) of which none of that payment was applied to the 12 month promotional event. I contacted Macy 's credit department today ( XX/XX/XXXX ) after reviewing my statements and was told that they will satisfy the minimum payment first ( I totally get that ) and then will apply to the regular transactions unless I tell them or request differently. So I had to call to request to have my payments applied to the 12 month promotion even though I had agreed to this during my purchase. Seems very deceiving to the consumer and very rewarding for Macy 's. The 12 month no interest was sold to me at the store but at no time was that explained or shared with me.
Complaint sub-issue: Reporting company used your report improperly

I had recently talked with a car dealership salesman in XXXX MO. I never went into the place. I talked to the salesman once and also by texting. He kept trying to get me to come into the lot to look at cars. It was within 2 days I started receiving denial letters from so many companies. I have probably received 6 as of today. It has only been probably 3 weeks since I talked to the guy at the lot. It seems like every letter I have there is a XXXX , XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX which is saying they were in part the reason for the decision and the information they received from them. I do n't know anything about that company on top of all the companies that ran my credit. It shows on my credit there has been around 15 hard inquires. I am frustrated by all of this.
Complaint sub-issue: Transaction was not authorized

Citibank has been charging me {$15.00} monthly for over 1 year, for a XXXX service that I never requested, never used, never even know of its existence. I called XXXX, they said they are not charging me for anything, and that the issue is with my bank. I called Citibank and the rep said they can not refund me for the past year. I said then I need it to stop right away. She said the issue is resolved and that I will not get charge again. Well guess what, the following month I got charged {$39.00} and this XXXX {$40.00}. I'm now getting charge more than a double. I called Citibank again and request to talk to a supervisor. That was my worst experience ever!. He said he's not going to refund me, and the only thing he can do is to issue a new card and my current card will be block until the new one arrive. I now have les than {$20.00} in my account. If you illegally take {$80.00} from me and block my {$10.00} what are you doing to me. After banking with you for over 5 years!
Complaint sub-issue: Frequent or repeated calls

Constantly getting text messages from this group saying I owe money to something called The Department XXXX XXXX. They dont say which XXXX  XXXX XXXX just the vague XXXX  XXXX XXXX XXXX Ive checked with my medical providers and I dont owe anyone money so I suspect its a scam they are trying to pull. They seem to have my address but dont send a bill or any other information, just text messages so it seems like something fishy to me. 

Ive checked into them on the web and theres a lot of others who seem to be having the same scam sent to them. 

Heres a copy of a text message. 

Important message about your XXXXXXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX National Recovery Agency is a debt collector attempting to collect the debt you owe to the creditor listed in this communication. We will use any information obtained from you to help collect the debt. 

Your account is still outstanding. Your immediate response to this correspondence will allow us to help you resolve this matter. 

Creditor : XXXX XXXX XXXX  Balance : {$82.00} National Recovery Agency XXXX XXXX XXXX XXXX PA XXXX XXXX Email XXXX www.nationalrecovery.com A Responsible Revenue Recovery Company To stop receiving text messages reply STOP Visit our mobile portal at XXXX? XXXXXXXX XXXX  XXXX Login to our secure Portal using ID # XXXX. Password is your 5 digit Zip code. 

Visit our website at XXXX? XXXX XXXX XXXX our Virtual Agent available for your convenience 24 hours a day 7 day a week XXXX or feel free to ask for an agent.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX - Account # XXXX Balance : {$4300.00} In accordance with the Fair Credit Reporting act the account number # 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: Account status incorrect

So a few months ago I fell contacted XXXX XXXX XXXX in regards to putting some of my past due payments on the back because I was no longer and fell behind .At first they were not willing to work with me, so I had to take the complaint a step further, which is when I was contacted by XXXX XXXX Executive offices, who agreed to place the past due payments on the back, once I paid down I want to say a month or so. Once I did that they would place the remaining past due payments on the back, and update the late payments with the credit bureaus, because I faced a hard ship. Yet here I am months later and my credit reports still shows the late pays and it showed that I missed a payment which I did not since they put the past due payments on the back of my loan. The end story is that they are being misleading, by not 100 percent following through with what they said. I am truly grateful that they put the late pays on the back of my loan. But yet they promised to remove the late pays and did not, and reported another false late on XX/XX/19. This is absolutely insane!!!
Complaint sub-issue: Can't get other flexible options for repaying your loan

Ok what happened is i had my accounts with fedloan servicing someway somehow they lost my correct contact info to send me my letters about loans, every year ive made sure to do a forbearance and of all years 2018 income taxes be completely swiped and im still having hardships and may face an eviction if my rent not paid, lights cutt off etc etc all due to an clerical error in not updating my address so my entire XXXX income tax check was taken as in offset. This was not my fault at all but im facing the consequence. And ive made a complaint with another agency and they were abled to see the clerical error where my address from XXXX XXXX was switched to my new address then again to my old address and that should not have been. So when the nrs was trying to contact me they did not have the correct address on file I NEED MY INCOME TAXES BACK PLEASE I HAVE NO INCOME AT THE MOMENT.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XXXX XXXX, 2017 I received an e-mail from my XXXX XXXX account as well as XXXX XXXX stating that there is a new inquiry on my account for a XXXX business account. I have never applied for a business account with my credit card provider and have since been told that they were looking into it. I 'd like for the inquiry to be removed and a further investigation to be conducted. 

With Gratitude, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report : 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: Their investigation did not fix an error on your report

I MADE AN UNINFORMED DECISION ON XX/XX/XXXX AND XX/XX/XXXX WHEN I ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH XXXX XXXX WHERE I EXTENDED CREDIT TO XXXX XXXX FOR THE FOLLOWING ACCOUNT # XXXX AND ACCOUNT # XXXX. 

THERE WAS NO EVIDENCE OF INDEBTEDNESS. THE ONLY EVIDENCE OF INDEBTEDNESS WAS THE AGREEMENT. BUT BECAUSE OF THE UNINFORMED DECISION THAT AGREEMENT IS NULL AND VOID BECAUSE I DID NOT UNDERSTAND AND KNOW WHAT WAS IN THE AGREEMENT. THE AGREEMENT WAS NOT CLEAR AND CONSPICUOUS AND I WAS UNAWARE OF WHAT I WAS AGREEING TO. 

VIOLATION OF THE FOLLOWING LAWS : 15 USC 1602 ( p ) 15 USC 1602 ( k ) 15 USC 1601 ( a ) Please see attached dispute letter to XXXX  XXXX. 
A complaint has also been filed with the ATTORNEY GENERAL of State.
Complaint sub-issue: Overcharged for something you did purchase with the card

On XX/XX/XXXX I purchased a XXXX car rental reservation for XX/XX/XXXX through XX/XX/XXXX in the amount of {$340.00}. 
My XXXX reservation was booked with XXXX at XXXX XXXX XXXX XXXX in XXXX, NY. 
Upon arrival, I showed my printed out reservation from XXXX to receive my prepaid rental. The agent notified me I needed to pay for a {$500.00} refundable deposit. I was aware a deposit was needed, but not as high as {$500.00}. I did not have the money on any of the cards I traveled with, so we asked if my fianc could put the deposit on his card. The agent assured us she could modify the reservation to his name, but we would still be using our XXXX prepaid reservation. 
My fianc used his debit card to pay for the deposit and we were shortly on our way. 
Upon returning our rental, the agents had difficulty finding our reservation. Finally, they found it and issued a receipt. We hurried to our airline counter to receive our boarding passes so we can make our return flight home. When we reached our gate, I realized that the total charges reflected showed they were debited from my fiancs XXXX card in the amount of {$380.00}. 
I called XXXX about this and they said to contact XXXX. I called XXXX and they said that all sales are final and because we changed the reservation name, my XXXX reservation shows that it is unused and they refused to refund the amount. I explained to the XXXX representative that the XXXX agent at the counter made this modification because of the deposit. She still blamed me, the consumer, when I had no idea what the agent was entering into a computer behind the counter. It was the agents duty to make us aware that the reservation was now put under my fiancs name is considered a new reservation & not a prepaid XXXX reservation. If made aware, no one would have allowed this transaction to be created in the first place, resulting in an overcharge. 
The credit card I purchased my XXXX reservation with is Discover. I called Discover and opened a dispute on XX/XX/XXXX. This dispute is still in progress 5 months later. I have documentation showing my fiancs card was charged for the full reservation amount as well as my credit card. We have now paid for the exact same rental, twice on two seperate credit cards and after 5 months with Discover, there has been no resolution and my dispute is under final review for another 90 days.
Complaint sub-issue: Was not notified of investigation status or results

I disputed all the way back in the XXXX of XXXX and have yet to receive any indication of my disputes being started. I feel like I'm being toyed with and ignored of my disputes. It's been over 45 days at this point and still nothing. If I'm not mistaken, if these inaccurate unverifiable items aren't investigated within 30 days they should be removed. I was also a victim of the Equifax date breach. Please resolve this in a timely matter. I will be attaching my original disputes.
Complaint sub-issue: Their investigation did not fix an error on your report

Regardless of multiple written request, there are still incorrect information found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XXXX, XXXX, but no answered were ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX : {$15000.00}. 
XXXX XXXX XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX XXXX : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX XXXX, XXXX, I had been approved by XXXX XXXX to buy a vehicle. I took the information to XXXX XXXX of XXXX to buy a car. Instead of them using the information that I brought to purchase the vehicle, they ran my credit to other finance companies to get my car loan even thou they said, these inquiries would not effect my credit but, it did effect my credit. I attempted to refinance or get a heloc from XXXX and those hard inquiries have heavily decreased my credit score and hindering me from getting the best interest rates that I got on my original home loan of 3.5 %. I want these inquiries removed from my credit file. I have been 100 % good at paying my bills and attempting to improve my credit score in good faith.