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

I was notified by XXXX XXXX onXX/XX/XXXXregarding an alleged debt. I have reasons to believe I do not owe this debt becausethis debt was paid in full. Upon talking to the representative, she had asked if I have been served with court papers, which I have not. When the representative advised the debt they are collecting for, EZ Corp, I explained to her that the debt for EZ Corp was paid in full back on XX/XX/XXXX. The representative stated that they do not show it on their end and it has gone to several collections with failed attempts. When I tried to explain to rep that I have a letter, proving debt paid in full, and where I can send the information, she then got very rude and hung up the phone call on me. <P/>I called back on XX/XX/XXXX, and spoke with a different rep, which he did n't provide his name and refused to give it. I asked him for their contact information to send correspondence and he said no need to send since they show the debt paid in full. I asked for a copy of Satisfaction of Judgement, and he proceeded to state, they do not provide that. I asked again for their contact information such as, address, fax number and email address. He only provided the email address, XXXX. When I asked for a third time for their address, he proceeded to say just send any correspondence to the email and hung up the phone call. <P/>I have contacted EZ Corp back in XX/XX/XXXX, when I recieved collection calls from a different collection agency. I filed a complaint regarding collections on a paid debt on XX/XX/XXXX and XX/XX/XXXX. I did receive a letter from both complaints. ( Attachment ) I also tried reaching out to the XXXX XXXX XXXX, who I paid the debt with and their number is disconnected. I also tried doing an internet search on the company, to get contact information but was unsuccessful.
Complaint sub-issue: Investigation took more than 30 days

This is me, XXXX XXXX XXXX XXXX a Resident of XXXX XXXX XXXX XXXX, Georgia XXXX, and I am writing this letter on my own behalf. 

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored for my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Account information incorrect

XXXX closed my account without my consent and opened and reported a new account on my credit report which in turn destroyed my credit. I would never have consented to a new account since XXXX and it's customer service are horrible. I've called and was told they ended the advantage program and took the liberty to start a new account without my permission or knowledge. Had I known they planned on adding a new account to my credit report I would have told them no and refused to open a new account since I keep track of and know my credit. Just because a business decides to do whatever doesn't mean they are allowed to irresponsibly report and negatively affect it's customers. I closed the account but need all information dealing with it removed from all my credit reports
Complaint sub-issue: Public record information inaccurate

I recently disputed a bankruptcy reporting on my credit report inaccurately, And it came back as verified, I have contacted bankruptcy dept and they then informed me that they never verified anything and that info came from 3rd party verification which only verify address name and last four of ssn ... Which is not me and is a family member with the same name is me who has previously committed fruad under my name I would like this to be removed from my credit file or this to be sent up to a executive manager to be reviewed cause bankruptcy info is inaccurate and dont belong to me and need to deleted, Thanks wrong person
Complaint sub-issue: Their investigation did not fix an error on your report

I tried to dispute on there web site with no success. So I called them on the phone to ask why. They said they could not fix the problem. They took my dispute over the phone incorrectly. It is a medical bill that doesn't belong on my credit report. They will not help. Same problem with XXXX XXXX and was fixed in 3 days,
Complaint sub-issue: Debt is not yours

I was incarcerated so I couldn't pay bill. People in home was still using in my name. 2013 was the year o service. The amount is {$2400.00}.
Complaint sub-issue: Account status incorrect

My dispute is in regards to a 30-day late status for my Discover card in XX/XX/2021. I was given incorrect payment information which resulted in the incorrect reporting. I already tried to dispute the issue with both Discover and XXXX  but Discover refuses to correct the error. My household income was reduced significantly due to the COVID-19 pandemic. As a result, I was referred to a covid-19 relief department which placed me on a payment relief payment plan. It appears that the main customer service department and the COVID-19 relief department were not on the same page with the payment agreement. I kept receiving calls about my Discover card being late but when I would contact the relief department, I would be informed that my payment was current. I have never been late with Discover and had I known there was an issue, I would have simply paid the amount needed to avoid the 30-day late status. When I spoke to Discover customer service, the reps had no regard for my situation and were not willing to retract the status despite hearing my situation. The relief department also gave me incorrect info in regards to being current. There was significant confusion between the departments and misinformation provided to me.
Complaint sub-issue: Account status incorrect

I have had my students loans 100 % paid off since XX/XX/2017. The Department of Education still reports it as I am making late Payments and lowering my credit score
Complaint sub-issue: Charged too much interest

XX/XX/2019 I bought a lawn mower from Home Depot. I was told by the clerk if I opened a Home Depot credit card account I would not be charged any interest for 6 months. When the 6 months was passed I was charged {$350.00} in interest. I had no idea that if I didn't pay the card off in the first 6 months I would be charged that kind of interest for the first 6 months. What a CON job! I '' m single, retired and on a fixed income and would never of opened this card if I would have known this would happen. It should have been explained to me. Maybe the clerks get a bonus for getting naive people like me to open accounts. I called Home Depot and complained but they just blew me off. I asked if I would get a responce from Home Depot and was told probably not. That was a few months ago.
Complaint sub-issue: Debt resulted from identity theft

National recovery agency appeared on my credit reports for a debt that I do n't owe. It was on my credit reports as a bill I supposedly owed to a utility company. I have been fighting this for years as not being mine but still they persist on keeping the information as it is. I have disputed this debt several times as it shows on my reports as disputed. I would like your agency to investigate this matter because this supposed collection is hurting my credit health
Complaint sub-issue: Their investigation did not fix an error on your report

Tried to apply for credit and was turned down. That's how I found that there was a 2nd Bankruptcy reporting under my ss #. I requested with all 3 major credit reporting agencies by letter on XX/XX/XXXX to remove this incorrect information also providing proof of the error. As of today I haven't heard from XXXX XXXX, Equifax or XXXX. However XXXX received the same request as proof of their company error and sent a letter stating they did an investigation and found it to be correct. As you will see from all the paper work attached that I provided clearly states that it is not his bankruptcy. I called and spoke with rep from XXXX who really could have cared less on XX/XX/XXXX and as of today still haven't heard back.
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/XXXX First Progress removed a charge off account from my XXXX credit report after I disputed it. On XX/XX/XXXX I made the full payment for the remaining balance of {$140.00}. On Monday, XX/XX/XXXX First Progress added a charge off account to my XXXX credit report and marked it paid closed collection/charge off. This is absolutely illegal for them to do and very unethical. Im requesting this account be removed in total from all 3 of my credit reports! Not only has this affected my score but added a negative reporting to my credit. This account was NEVER in collections and wasnt sold to a third party agency.
Complaint sub-issue: Was not notified of investigation status or results

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section XXXX ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Complaint sub-issue: Personal information

There is a wrong address. XXXX XXXX XXXX. Ma. Never lived there. And I 've never heard of the company XXXX. These belong to someone else. Please remove
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX oXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2017 Balance : {$3100.00}.
Complaint sub-issue: Information is missing that should be on the report

We bought @ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OH ( XXXX ) XXXX A Used XXXX XXXX XXXX on XX/XX/XXXX. 

The financing was though XXXX XXXX Bank : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX At the Time of close. We were informed our Credit was less than Stellar?? This is the Best we could get?? Denied access to Death Loan Pay Off and or Unemployment Loan Payoff Insurance. This due to our advanced age and poor?? Credit Rating?? 
I dispute this. We have a Rating of GOOD then as now. 
Take it or leave it. This is the only way the Bank will Write this Loan. 
I've never seen a Loan Agency EVER so anxious to repossess a Used Vehicle. Especially one being 8 MY 's old at the time this Financial Arrangement was made. Not even a Rumor or Whisper of such. 

My Wife did receive notifications on why Financial Institutors turned her own for credit Lending. I did EXCEPT for Equf.. located in XXXX, Georgia. Again they insist I am my deceased FATHER. I requested VIA Telephone 4 Times since to have their Reason Why sent to ME. None such as of this date.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX I called XXXX XXXX XXXX to make a payment on my car. I advised the representative, that I have been out of the country and I have tried to pay online several times, but the system was not allowing me. I am now 31 days past due ( Back home in the US ) She looked in to it and found out the reason the online portal was not allowing me to make a payments was because of an invalid address. I have mentioned to Carmax in the past that I am in the process of moving, that currently I did n't have an address. She insisted that I can not make any payment until I update. I gave her my parents address. Representative also mentioned that Co- Borrower Keep on returning mail to Carmax . I advised them in the past about this issue. Co- Borrower lives in a XXXX/old people home. He does not receive mail there so that is the reason why Carmax is getting " return to sender '' mails.

I feel like I should not be penalized for not making the payment since the online portal did not have a clear message to why I could not make a payment.

Carmax is now reporting me late, but this was because of them. I tried to make a payment several times. I was out of the country I could not make a phone call, online was the onlyway I could make a payment. Carmax should not have that feature if not available at all times. 

This is the first time my account went to 30 days past due. I am almost finished paying this car off.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act.this list of accounts below and more has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.Account numbers with no names. # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX a ssi number that ends in XXXX isn't me, # XXXX, # XXXX, # XXXXXXXX XXXX XXXX # XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX, equifax has violated my rights ! ! 15 U.S.C 1681 section 2A states I have the right to privacy.15 U.S.c 1681 section 604 A 2 : it also states a consumer reporting agency can not furnished a account without my written instructions. 15 U.S.C 1681c ( .a ) ( 5 ) section states : no consumer reporting agency may make any consumer report contaany of the following items of information any other adverse item of information other than records of convictions of crime which antidotes the report by more than 7 years15 U.sC 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 this goes for all 3 agencies this information needs to be blocked
Complaint sub-issue: Didn't receive enough information to verify debt

I received a letter from the collection agency Hunter Warfield on X/XX/2017 regarding a debt from XXXX XXXX XXXX. Before calling the debt collector, I researched the company with the Better Business Bureau website and learned about its unfavorable rating on account of its heavy-handed debt collections tactics. In fact the company has a reputation of taking " disputed rental claims from shady rental agencies and tries to intimidate consumers into paying disputed claims by threatening their credit. '' Armed with this information, I telephoned the account manager, XXXX XXXX, and queried him about the matter. I stated to XXXX XXXX, " How did the company gain access to a confidential address which is not listed on any credit report? ". Although he claimed the original creditor had furnished him with information, I called him out on such an audacious lie because no one had the address. I stated that I had accumulated the debt after a lengthy hospital stay and was in no position for repayment because of a debilitating medical condition which prevented me from working. XXXX XXXX neither wanted to provide any information about how the company retrieved my personal information nor wanted to provide any information to affirm the debt. 

I stated to XXXX XXXX that because the company may have violated provisions on the Fair Debt Collections Practices Act for using a third party to gain unauthorized access to a confidential address and unlisted telephone number. I stated to XXXX XXXX the collection agency had used the skip-trace method after an unauthorized third party had provided his company hired a private detective agency to supply personal information. He tried denying the situation ; however, I stated to the debt collector I knew my rights and therefore the company could neither employ shady business practices nor intimidation to cower me into repayment. 

I later learned Hunter Warfield retrieved my information from the screening company, XXXX, XXXX, which is listed on a formal housing discrimination complaint with the both the Federal and Washington State Office of Housing and Urban Development. XXXX, XXXX is a local tenant screening company in XXXX Washington that provides information on prospective tenants to landlords and rental companies. XXXX, XXXX provided personal information to the debt collector, Hunter Warfield, as a scare tactic to prevent me from moving forward with a formal complaint of housing discrimination. Also, XXXX, XXXX provided adverse information to all credit reporting agencies in direct retaliation for naming the company in a formal housing discrimination complaint, thereby limiting ability to rent.
Complaint sub-issue: Debt was discharged in bankruptcy

XXXX XXXX debt of {$300.00} ending in account # XXXX was discharged in Chapter XXXX Bankruptcy in 2011. XXXX has sold the debt to several debt collectors since and it is erroneously reporting on my XXXX credit report.
Complaint sub-issue: Account status incorrect

The account XXXX XXXX is current, never on a past due. Please reverse the late payments because I have never made a late payment on this account ever
Complaint sub-issue: Debt is not yours

Someone open an account under my name and I went in store and they told me to file a dispute and i did and its very upsetting Because a creditor not supposed to either sell or put fraudulent account on anybody credit and XXXX did that to me and I want everybody to XXXX XXXX is the worse company and I will talk to my lawyer until they remove all fraudulent account from my account because they havent sent me proof that I sign any paper with my name because I never had XXXX they will hear from my lawyer very soon
Complaint sub-issue: Information belongs to someone else

i am contacting you about the compromising of my social security number. I am a victim of Identity Theft. i contacted the Federal Trade Commission and filed a complaint # XXXX. The following items do not belong to me and is a result of fraud that I did not authorize ARE LISTED IN XXXX pdf doc
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX there were fraudulent charges made on our credit card. An account was set up with automatic payment to XXXX for {$78.00} weekly to deliver food. Other fraudulent charges were also made. We finally resolved the issue with the credit card in XXXX and got those charges credited back. This was difficult to do as the credit company kept issuing new credit cards and allowing the new numbers to be given to the automatic pay for the XXXX account. We were told that even if we close the account, the dinnerly company can still charge us on the credit card. 
In XXXX we were charged with a {$110.00} charge from XXXX that is also a fraudulent charge. We reported that on XX/XX/XXXX. The Charge was supposedly made on XX/XX/XXXX. The credit card company gave us a provisional credit on XX/XX/XXXX and then reversed the provisional credit on XX/XX/XXXX. My credit card statement for XXXX has a provisional credit for {$110.00}, a charge ( dated XX/XX/XXXX ) for {$110.00}, and a reversal of the provisional credit for wordpress for {$110.00}. Thus I have been charged 2 times for the fraudulent charge. 
I am unable to convince the credit card company that this is a double charge of a fraudulent charge. 
I had a representative from XXXX insurance on the line with me for over 3 hours today to try and straighten this out. We spoke to 6 different people, none of whom could explain what the charges were for. One person actually told me that the reversal of the provisional credit appears as a debit on my account but that is is not a charge and not added to my balance. There is not one person who can help us clear these charges. 
I have personally spent over 80 hours on the phone since XX/XX/XXXX trying to get fraudulent charges taken care of and we still have no resolution. The company has NEVER returned a phone call, even when they say they will and say they have record that they did. I searched my phone calls and there is no call from them. 
As of right now, someone is going to look over the account ( after 6 people already have today ) and determine what happened. Supposedly someone MIGHT issue a credit. I have asked to be called, emailed, and a letter in writing that this account is zeroed out. The account has been closed since XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

15 U.S Code 1681 Accuracy and Fairness of Credit Reporting : ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect of the consumers right to Privacy. 
XXXX is involved in a Car Loan Class Action. I demand these accounts be delete immediately. 

I've been sending equifax an original copy from XXXX XXXX XXXX stating for equifax to delete and default payments from my report and I have not gotten a response and it has been past 90 days with no response. 
My Information was impacted by the Equifax Data Breach
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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 with my written instructions.
Complaint sub-issue: Information belongs to someone else

This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following accounts need to be removed as they are fraudulent. 

XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter