Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Attempted to collect wrong amount

Short version. XXXX XXXX is harassing me for a debt that exists due to their error and I was told years ago that it was cleared. 

In this statement, 'they ' is XXXX XXXX and/or XXXX XXXX unless otherwise specified. 
All information is to the best of my knowledge. 
Proof of the company 's failure to properly file with Medicaid is available from Medicaid. Both XXXX and Medicaid have information regarding the incident on file. 

Back in XXXX, I went to XXXX XXXX for a medical problem related to my XXXX. They incorrectly filed with Medicaid and were initially denied. I spent time on the phone with both XXXX XXXX  and Medicaid to fix this. By the time my daughter was born everything was supposedly fixed. 
Since then I've received mail about the amount and every year I've repeated what they told me in XXXX until they stopped in XXXX. They admitted the debt was covered by Medicaid and by their admission they didn't file with Medicaid until 7 months after. They also did not have the proper date on the filing. This information was repeated at my XXXX visit and I was told, " Just pay it to save time. '' This year ( XXXX ) I went to use their services and was denied because of this supposed debt. So I went through XXXX  to try and settle it. Instead I received mail from XXXX XXXX that I needed to stop the dispute and pay them. There was mention of contacting police. The letters felt like a threat and I did not respond because XXXX was clear that all dispute related discussion was to take place through XXXX. 
Today ( XX/XX/XXXX ) I received a notice that XXXX, without any official correspondence from XXXX XXXX or XXXX XXXX, found in their favor. This doesn't make sense as the only updates I received were that XXXX XXXX had not yet responded. 
They're trying to make me pay for their mistake and I'd like some help. Thank you for your time.
Complaint sub-issue: Billing problem

On XX/XX/2022, Our XXXX was totaled after 5 days at the fault of another driver. On XX/XX/XXXX, the insurance company sent the payment to Ally Financial. Ally Financial received an additional payment from the dealership and XXXX also refunded an amount. In addition, I also made a payment on the car as the payment became due. Ive been calling Ally about the refund for over a month. No one can give me an exact amount of what is owed to me, only an estimate of {$2700.00}. I keep asking for a my money back, but they only respond that they will escalate the issue. Ive had about 15 escalations, 3 requests for supervisor call backs with no call returned, and XXXX payment made to me. They continue to hold my money and I would like it returned and not escalated to an imaginary person. Thank you.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

When l checked my XXXX  Credit Report today, l realized that ; CITI CARDS CBNA reported a hard inquiry on XX/XX/2018 which l have no idea about it.
Complaint sub-issue: Old information reappears or never goes away

Whenever I apply for credit and I get denied the reason for denial comes up as Serious Deliquency on all of my credit reports. I have been current on all of my accounts and have never been delinquent. This has been an ongoing issue for many years.
Complaint sub-issue: Investigation took more than 30 days

due to you not removing these inaccurate items off my credit i am being denied my ability to obtain credit
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Jefferson Capital System, has charge me for a account that was already paid out and this is an extortion and it need to be deleted immediately
Complaint sub-issue: Information belongs to someone else

I don't have a XXXX XXXX. How can they show on my credit report as a creditor without my knowledge? I didn't sign up with them people. I sent all the stuff to them to show them and they still are showing on my credit.
Complaint sub-issue: Application denied

I beleive I have been falsely denied a discover it credit card with a minimal {$500.00} credit line on XXXX XXXX, 2018
Complaint sub-issue: Was not notified of investigation status or results

I found XXXX discrepancies on my XXXX report through XXXX XXXX on XX/XX/2021. I went to the XXXX site to verify because I never received a written notice from XXXX concerning these collection accounts. Once I logged in the XXXX website, it informed me that I had to pay a fee to view my report. I understand that I am entitles to, at least, XXXX free report per year. XXXX did not provide any options for a free report. These XXXX collection accounts have decreased my credit score and has jeopardized my opportunities in getting other credit options. I have disputed both collections : XXXX XXXX XXXX XXXX XXXX My first dispute was in XX/XX/2021 and I have disputed every XXXX months after that initial date. 

The creditor disappears and then re-appears on XXXX XXXX. Unfortunately XXXX XXXX is the only why I can monitor these account because I am unable to dispute or review on the XXXX site itself. 

I am unable to apply for a home and my purchase of a vehicles ARP is 24 % due to these inaccuracies on my account with XXXX.
Complaint sub-issue: Late or other fees

My name is XXXX XXXX. I am chatting about my negative cash app balance of {$100.00}. I need it to be waived from my cash app account Because my bank reversed the credit they gave me for {$100.00}. My cash app is $ XXXX XX/XX/22 CARD REVERSAL OF CREDIT XXXX {$100.00}
Complaint sub-issue: Information is incorrect

On my motor vehicle report sent to me attached in the same email as the link to this form, it is alleged I have two failure to show insurance from the year 2018. This is untrue, the only ticket I received was in XXXX, the o ly issue that would make me think there is reason behind the error stating I received the sa e ticket on XX/XX/XXXX I beleive? Is because there was a XXXX $ discrepancy after paying the ticket I received in XXXX, w To which I paid the remaining balance and there was no issue. 

So I am.reporting my mvr in 2018 is incorrect.
Complaint sub-issue: Reporting company used your report improperly

These companies are reporting these accounts without my written authorization. I have no contract with these companies
Complaint sub-issue: Information belongs to someone else

To whom it may concern : I've been trying to remove accounts from my credit report that do not belong to me, how ever I have been unsuccessful once again I'd like to request these fraudulent accounts must be removed from my credit report immediately, they have created great harm in my ability to obtain credit.
Complaint sub-issue: Debt was paid

Debt was paid in full creditor is refusing to remove.
Complaint sub-issue: Deposits and withdrawals

Citibank customer service kept contradicting themselves while advertising a {$500.00} new client offer, then I wasted like 15 hours ( records ) trying to get the problem fixed but they still kept contradicting themselves and won't even let me withdraw in a reasonable and XXXX compliant manner, the same manner I deposited into it.
Complaint sub-issue: Trouble getting information about the card

I purchased a {$200.00} MasterCard gift card in California ( Card # XXXX ) at a XXXX store on XX/XX/XXXX. When I called to check the balance of the card, I was told that the card was not registered under my name and was told to open a stolen replacement card request. This card seems to have been fraudulently registered and used by another person since I have the physical card with me the whole time and never used it. I submitted all the info they requested on XX/XX/XXXX but never got a response.
Complaint sub-issue: Problem during payment process

I was approved for a Citi Cash card to help pay down my debt. I transferred {$2900.00} from a balance transfer to this Citi Cash card due to I only have a {$3000.00} limit on the card. I only have 4 months from the date I opened the card to get {$0.00} finance charge on balance transfers. On XX/XX/22 I made a {$1000.00} payment to my Citi Cash card. They withdrew the {$1000.00} from my checking account on XX/XX/22. My account shows a balance of {$1900.00} but I only had {$0.00} in available credit. I wanted to use that {$1000.00} to make another balance transfer. When I called Citibank on XX/XX/22 about my available balance they told me the payment was on hold for verification. When I asked why, I was told its because I made a large payment. I requested to speak to a supervisor and asked him when will it reflect in my available credit and he said XX/XX/XXXX. I asked where in the contract does it state they were going to hold my money and he told me on page 3 and then he hung up on me. Theres nothing anywhere in the contract about verification holds. I called back the following day at a different time and was told the same thing that my payment was on hold for verification so I asked him where does it say they can do that in the contract and he said it isnt written its just something they tell people over the phone. I understand what a verification hold is but no one could tell me why it takes 10 days to release the hold. They now have {$1000.00} of my money and I have nothing to show for it. I cant do another balance transfer until after my other credit card payment due date. I believe they are holding it to whittle down the time they gave me for the interest free balance transfer which is why I chose their credit card in the first place.
Complaint sub-issue: Frequent or repeated calls

They have been spoofing phone numbers for the longest time, calling at all hours. Since Friday, they have spoofed XXXX different numbers and called 17 times without being forthcoming about what they want. I want them to stop harassing me.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, and XXXX # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the rights privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX, AND EQUIFAX ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.
Complaint sub-issue: Account information incorrect

This account is inaccurate. First off, how can I have 8 120 days late payments. Instead of 120 days late it should have been collection account. When I had talked to a person at the XXXX XXXX XXXX they had said to me they would restore my account in good standing if I had made 8 payments on time and paid the account in full. This is not the point apparently since I am still dealing with this account. Also I had made the payments to this about in XXXX into XXXX not XXXX into XXXX but apparently this is wrong as well. You can see the information is wrong.
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

I made a purchase for {$0.00} and got back {$36.00} in cash. Total {$37.00} I was charged that and {$36.00}. I have contacted the merchant they do not have the {$36.00} transaction at all. The " bank '' over drafted my account and " double charged '' me. They tell me there is nothing they can do the merchant has to issue the refund, but the merchant did not make the mistake and they did not make the charge.. So, they are just not going to give me my money?
Complaint sub-issue: Debt is not yours

I received a notice dated XX/XX/2018 from XXXX, XXXX XXXX : Creditor : XXXX Link, Creditor account : XXXX ; XXXX Acct : XXXX ; Balance Due : {$270.00} I have never had a Century Link account. This is a fraudulent attempt to collect money I do not owe on an account I have never had. 

I have requested further information from XXXX including dates of alleged service, alleged service address, etc. I believe they are trying to collect on a name similar to mine and have contacted me in error.
Complaint sub-issue: Didn't receive notice of right to dispute

I have no idea who AR Resources is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AR Resources is indicating that an account with the account number XXXX  was opened with their company in XX/XX/XXXX and account number XXXX  was opened in XX/XX/XXXX. I never opened accounts with them or anybody else. These accounts must be a result of identity theft or someone opening accounts in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name.

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AR Resources as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ AR Resources } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to AR Resources, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Complaint sub-issue: Investigation took more than 30 days

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS EQUIFAX XXXX XXXX AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNT THAT DO NOT BELONG TO ME THERE IS A ADDRESS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS 1XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX  AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELEY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Please contact the Bureaus because I've sent them a letter letting them know these inquiries need to be removed. Due to their noncompliance it has brought me to contacting your company. Please see attachment
Complaint sub-issue: Public record information inaccurate

I have contacted this bureau several times for inaccurately reporting a bankruptcy on my credit report. They also have it listed as joint and my husband has no public records reporting on any of his credit reports. This is causing me undue hardship and is preventing me from obtaining credit offers that I deserve.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. MY SS HAS BEEN FLAG AS LISTED ON THE DARK WEB
Complaint sub-issue: Information belongs to someone else

Related to complaint XXXX. Without a signed contract ( even an electronic signature ), a company can not provide a legal basis the account was opened by the person in question. Your office continues to state I opened this account and benefited from this account but have yet to provide even an electronic signature bearing my signature. Note, " When a person opens a fraudulent account, they use another person 's personal verified information but have the account information sent to another address ''. This was the case here! By your own words, you agree with these statements. 

Please note the following : 1. I have never lived at the address in Alabama where the account was opened showing this account was fraudulent when it was opened. This account was opened by a person with the last four XXXX living in Alabama. 

2. The letter regarding {$200.00} was not included for review and signature. Also, after receiving your letter stating I notified your office regarding the account was when I sent your office a letter stating this account was fraudulent and started the dispute process. Further, I have never needed to file for bankruptcy as my current credit card utilization is 11 % out of $ XXXX. IF proven, I would/ could pay this account in full - but your organization refuses to provide documentation. I have worked extremely hard to maintain my credit rating. 

3. The lawfirm is the second to contact me and decline to pursue collection because the information can not be verified by the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Again, you agree you do not have a signed ( even electronic signature ) proving the account was opened by me but another person from Alabama with the last four XXXX. 

4. XXXX and XXXX credit agencies have deleted the information because the account can not be verified in accordance with the FCRA.

5. Your office is in violation of the FCRA. If you could provide ANY signed documentation I opened this account, you would provide it! The bank is intentionally ruining my credit rating with Equifax.
Complaint sub-issue: Application denied

On XX/XX/XXXX I received an auto generated email with this company in regards to opening or attempting to open up an account with Citibank. I received an email saying that it was processing - Im not sure if its going to get denied or approved bc the email I didnt request told me it was processing the application. Additionally I have identity protection on my credit bureaus so this shouldnt have run at all. Without someone calling me. 
If this hard inquiry doesnt get reversed then I will continue with an attorney in my company. I already have a card OF yours I dont need a new one and my ex has been pulling a lot of nonsense on his end.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following companies accessed my credit report without my permission or knowledge : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX I reached out to each company listed above and was told to contact the credit bureaus to file disputes.
Complaint sub-issue: Don't want a card provided by your employer or the government

Received unsolicited Reliacard from mail asking me to activate it
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 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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 XXXXXXXX, XXXX XXXX XXXX XXXX, has violated my rights 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 cause to believe that the information is inaccurate.
Complaint sub-issue: Problem with fees

On XXXX  I accidently changed {$12.00} to CITI bank Best Buy credit card that I forgot I had. They did not send me a bill. They said I was paperless. This gets past me for XXXX months before I get a call from best buy. By then XXXX {$40.00} late fees have been charge to my account. I told them to cancel my card and I started paying {$10.00} a week towards the card. I asked them to start sending me a paper bill in the mail. I get the Bill XXXX XXXX XXXX and it is for {$180.00}. I called XXXX to complain and I automatically get sent to the closed card helpdesk in XXXX. After several call I was asked to give personal information, I was not comfortable giving. They refuse to help me despite have the full account number my name and the last XXXX digits of my SS # Trans Date Description Reference # Amount XX/XX/XXXX XXXX XXXX XXXX  {$12.00} Payment Information Previous Balance {$89.00} New Balance {$130.00} Payments - {$0.00} Minimum Payment Due {$85.00} Other Credits - {$0.00} Payment Due Date XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - 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 an account without my written instructions.