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

XXXX XXXX XXXX has neglected to remove themselves from all three of my credit reports. They have sold this debt to another creditor and are NOT collecting on any debt in my name. CRA policy instructs debt collectors to delete their reported collection if they no longer have active collection authority.
Complaint sub-issue: Account status incorrect

Hello, I made these payments on time, and the company changed the due dates on the card without notifying me. This is a tactic this company continues to use, In order to receive fees. I have reached out several times and asked them to clear up the situation, and they haven't.
Complaint sub-issue: Debt was paid

After I've made the total balance due amount of {$4200.00} to the creditor, Grant & Weber is still posting {$1800.00} as an collection charge on my XXXX credit report and deny my dispute in multiple times.
Complaint sub-issue: Contacted your employer

Was paying the collection agency before my employer was closed ... Attempting to start employment with the MS Department of Employment Security. However, I received a letter from the collector requesting information pertaining to me from the future employer. I am not currently working for this employer as of yet. And the attempt to get my personal information is disturbing. This could hurt my job offer. 

Letter received on : XX/XX/2019 Organization involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX
Complaint sub-issue: Confusing or misleading advertising about the credit card

I applied for the AAdvantage Citi bank credit card enticed with their XXXX miles offer if one meets terms. I proceeded to apply and then suggested my wife to apply as well. We both were approved and completed the minimum purchase required to get the XXXX sign up bonus, $ XXXX. However, neither received the promised benefit as it seems that we had the same card within their 48 month framework. However, they approved us for the card without mentioning anything about the previous card misleading us to believe that we are eligible for the promotion. It is unreasonable to expect someone to remember what card they opened 48 months ago. They had the info but did not tell us and kept quiet and let me use the card like a fool expecting a bonus. I complained but they feel that they did not do anything wrong or misleading, I beg to differ and any reasonable person seeing that would see the fraud Citi bank is perpetuating on unsuspecting customers. Other banks like XXXX or XXXX for example inform you that you had a card like that before and would not qualify for a bonus. They would INFORM me as is reasonable to expect and not mislead and scam me. If I were to use my other card for the same amount I spent with them I would have received {$300.00} in bonus payout, thanks to their deceptive practice I got nothing.
Complaint sub-issue: Debt is not yours

XX/XX/XXXX, I reported my XXXX XXXX as stolen. The phone was placed on a seasonal hold. I bought the phone for {$310.00} refurbished from XXXX XXXX. I had been a customer over 20 years. XXXX corporate edited the bill and closed the case. Unfortunately, on several occasions, XXXX opened the line for the unauthorized user and billed me. They wanted to charge me a {$250.00} deductible to replace the phone prior to corporate overriding their billing after the lines were opened more than once. Were supposed to give a access code, but they continued to bill me for the thefts usage. I called the phone on XXXX and a young lady would answer stating that someone sold her the phone. Lastly, they tried up charges of {$190.00} and Id had enough, so I reached out to corporate escalations. I was told Id receive a call back. I waited a week, and had been paying them on autopay. No call backs were initiated, so I called XXXX XXXX XXXX and ported my line over to them because my contract had ended with XXXX years ago! In XXXX, XXXX, I became XXXX & XXXX customer. XXXX asked that I returned the main line XXXX XXXX XXXX XXXX after I ported my line over to XXXX XXXX XXXX ). I sent the tracking # and receipt to XXXX for dispute via the first collection misrepresentation on my account. There collection was removed from my account in XX/XX/XXXX only to be reapplied for the same false collection claim that was removed and resubmitted XX/XX/XXXX by IC Systems collections. Stating that my account was 30 days late for {$1100.00}. My bill was paid in full XXXX XX/XX/XXXX XXXX, my account was closed properly, and they received the XXXX XXXX XXXX back in perfect shape. However, they kept billing for the stolen phone and the last bill before I left XXXX in XXXX was XXXX, now its over {$1100.00} and my account was closed. The theft of the XXXX XXXX is still a working number on my account by their own discretion. Im no longer a customer and XXXX breached their insurance contract, my report of a stolen phone, and closing the account. Theyre back with a new collection agency and causing undue stress on me, I strongly believe its because they sold out to XXXX and theyre not aware or could care less about XXXX charades. I had them removed from all 3 credit bureaus because I turned in proof that Im not a customer after over 20 + years of numerous refunds and edits to my accounts and unauthorized use and multiple errors. I feel its unfair that they can hire multiple collections agencies for a fraudulent claim that has been deleted for the same false charges.
Complaint sub-issue: Threatened to sue you for very old debt

On XX/XX/XXXX I called into XXXX company to follow up on multiple calls my father had received. My father had been called numerous times asking information about myself. He was told that I should contact by Friday XX/XX/XXXX to avoid further legal action. I decided to call. I spoke to my case worker who told me about a debt from XXXX. She said there was a 2 hour limit to stop further legal proceedings. I had to pay or get served with papers at my address or work address. I mentioned I didnt own this money, that by my recollection this debt had been payed off. She said that they only take written pay off debt notice. To stop the further proceeding I was told to make a payment and could call to cancel the payment plan if I had found my debt payoff letter. I made a {$50.00} payment and commitment to pay {$50.00} every 2 weeks. I called later that day to mention that this debt wasnt reflected on my credit report and asked for proof of debt. I was told I would recieve proof by email by Monday. I also asked for a mailed copy. On Tuesday XX/XX/XXXX the company called me and I called them back. I asked about my payment receipt and my proof of debt. There was no answer. I mentioned that I would not pay them if I didnt receive this information. I was told good luck in court. I called again to get their company name, address, and corporate phone number. I didnt receive any information and was transferred to a supervisor. I was told that due to me making a payment I had restarted the timeline for them to collect the debt. I was never told this information on XX/XX/XXXX. I asked for proof of debt and was told I would receive in email within 1 hour. I have yet to receive proof of debt and receipt of payment. This debt is 8 years old when they are trying to collect on it. I dont have any information about this company other than the name XXXX and phone number XXXX. I was told none of their communication is done through mail and I could only receive an email. Upon researching statue of limitations for Virginia is 6 years.
Complaint sub-issue: Account information incorrect

there are several accounts that I have tried numerous of times to get corrected on my credit report and they keep coming back as verified however they are still reporting incorrect. I have requested that they provide information on how these are being verified and I have no results. I have disputed them again but I need help. 

1. XXXX XXXX amount of {$800.00} and {$3100.00} -- I do not owe this I have never lived at this address associated with the account. I never lived at XXXX XXXX XXXX, never had an electric bill there the address nothing ties me to this place and does not even show up on my credit report. 

2. XXXX XXXX -- first the date says opened XX/XX/XXXX, I did not live in XXXX I have lived in XXXX Florida Since XX/XX/XXXX. In addition the original creditor on this was XXXX a small company in XXXX, this account was paid in full many years ago. it was for furniture. I do not owe this debt and don't know why it's in collection this was paid and closed with the original creditor. 

3. XXXX -- Showing open date of XX/XX/XXXX, I did not open any accounts in or around this time. the original creditor on this was XXXX and I opened account with them in around XXXX, or XXXX but most importantly I purchased extra insurance to pay the account in case of unforeseen issues. which I lost my job in XXXX and the insurance company paid this account in full. I do not owe this debt. I have explained this numerous of times but they are failing to remove and I have asked they provide me with documentation to verify the debt and have been unsuccessful.
Complaint sub-issue: Contacted me after I asked not to

company name ; high desert creditors. located in XXXX calif. 
they continue to call me after being told not to call my job. 1st time was end of XXXX 2016, today they called again at my job. i told him not to call my job any more. this is the 2nd time. he got angry & started talking about how he will call me on another phone. he didnt hang up immediately. he said that i owe {$900.00} & demanded that i pay it. i again told him that i will get in trouble if he wont stop calling.
Complaint sub-issue: Information belongs to someone else

On my Equifax report I have an item being listed as : Collection Agency : XXXX XXXX XXXX XXXX Original Creditor Name : XXXX XXXX Date Assigned : XX/XX/2017 Original Amount Owed : {$300.00} This item is NOT mine. I have provided my social and DOB to the collection agency and they determined it was an error and that the item belongs to someone else with the same name. 

XXXX XXXX XXXX XXXX ( XXXX ) provided a letter saying they have removed that item and I have included this letter in a dispute to Equifax on three separate occasions. On each dispute Equifax wrongfully determines the item does belong to me. 

Equifax claims they are waiting on XXXX to remove the item ; XXXX claims they have removed it and it us up to Equifax to delete it from my credit report. I have contacted each agency on several occasions and none of them seem to be able to take any further action to remove the item.
Complaint sub-issue: Account information incorrect

I am just amazed at what Key Bank sent me dated XX/XX/XXXX. Key bank is claiming that I was sent letters on the following dates :XX/XX/XXXX XX/XX/XXXX 
I never received anything and the tracking number XXXX ( see attached ), per USPS, is invalid. Proven by the tracking number, I do not think that they mailed me anything, I never received anything.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX/XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX... I was approached, while at XXXX XX/XX/17 and was given their spiel on their services and I said I might be interested. He asked for my address and name. He said to check if XXXX was available in my area. Recently, I downloaded XXXX XXXX and released that XXXX did a hard inquiry on my credit. He never mentioned anything about running my credit. I filed a " notmycreditinquiry '' per XXXX 's advise. After reading a XXXX ton of complaints regarding this matter with no resolution, I am hoping your services will help. We are putting our house up on the market and will need to purchase another home and at this time I have " fair '' credit and want to eliminate any bad karma off my credit record on XXXX.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I review my XXXX XXXX XXXX XXXX on XXXX XXXX there is a {$180.00} collection that was placed by XXXX XXXX XXXX collection. 
I don't owe this money as I filed Bankruptcy XXXX XXXX in XXXXand all my debt was discharged by Federal Judge on XX/XX/2017. 
XXXX XXXX XXXX XXXX are sharing my information to other debtors and companies. 

XXXX XXXX never sent me a debt verification. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX, account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

Equifax data leak. They said I may be affected by it so I am filing a complaint to make sure I was or was n't.
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XXXX XXXX,2017, my credit report revealed HUNTER WARFIELD INC, a collection company had submitted a debt in the amount of {$3600.00} to credit bureaus.These credit bureaus are reporting said debt, which these individuals have no right to collect on anything that was not provided to me with basic protections under the FCRA. Hunter Warfield inc, should ensure this information is correct prior to submitting it the credit bureaus as this is affecting my approval and credit score which costs me greatly in higher interest rates. Additionally, this collection agency may not have the authority to collect on said alleged debt.
Complaint sub-issue: Information belongs to someone else

between XXXX and XX/XX/2018 after looking at my EQUIFAX credit file I noticed a list errors and accounts not belonging to me.I disputed the accounts and EQUIFAX stated they were removed. Six months XX/XX/2018 later the accounts are still on my file! Please see attachements! EQUIFAX STATED THE ITEMS HAVE BEEN REMOVED! Why are they still showing on my credit file, All items deleted by EQUIFAX but still remains on my credit file! See attachments for proof! 
Personal finance-deleted XX/XX/2018 Personal finance-deleted XX/XX/2018 Bankruptcy-deleted XX/XX/2018 EQUIFAX GUIDELINES STATES IF A ITEM STATES DELETED THEY HAVE REMOVED IT FROM YOUR CREDIT REPORT AND TAKEN STEPS SO IT DOES NOT REAPPEAR! I have highlighted ALL supporting documents
Complaint sub-issue: Problem with personal statement of dispute

In XX/XX/2018 I found a collection agency statement on my credit report. I had never been contacted by the collection agency ( XXXX XXXX XXXX ) nor by the original billing agency ( XXXX XXXX XXXX ). I contacted the collection agency and immediately paid the bill in full. I contacted XXXX XXXX XXXX  and they acknowledged that the billing had " slipped through the cracks '' and that this happens with some regularity. The account number ends in XXXX and the date of delinquency is XX/XX/2018. 
I contacted EquiFax and informed them that of the facts. They simply replied that it went to collections and is therefore reportable. 
This is a medical bill which was never sent to me, and is therefore not reportable. It was also immediately paid and by the law is also not reportable. 
This has negatively impacted my credit score and I want it removed.
Complaint sub-issue: Problem accessing account

I filed a dispute for fraud on my account and then Citibank turned me the account holder into the fraudster. 

Citi bank locked me ourlt of my accounts after filing a dispute stating I couldnt provide the correct answer for a security word. 
I have never set up a security word or question and have never been asked for one until this time understandable due to a report of fraud. I immediately went to a branch to confirm my identity and verify account information on XX/XX/XXXX. I received my new bank card XX/XX/XXXX activated it and again went to the branch after attempting to access online banking which I was not able to do. Left the bank with access to online banking and later attempted to make a purchase which was unsuccessful. I called customer service whom laughed in my face, made sarcastic statements, and hung up in my face after waiting over 2hours for help. During this entire time i had access to view my account after they hung up in my face i no longer was able to see my balance or use online banking. The representatives were attempting to verify my accounts with a phone number that I numerously stated to them was no longer in service. I had updated my current phone number when I visited the bank that day on XX/XX/XXXX. The rep named XXXX  stated to me to update my phone number with public records which I have never heard and actually is really absurd because how. Stating the service they use can not verify my phone number and to call back to speak with someone else. I requested a supervisor who, when answered, went by the name mark and hung up on me after the call ino longer had access to my account online but the representatives only attempted to verify my accounts information via telephone number and a security question/word which i never set up. When I gave them my mothers maiden name, they told me that answer was wrong on their XXXX There were several other ways such as ssn, email, recent transactions etc. if someone calls in with my phone number that is no longer mine they can access my money and account information. On their webpage it states that I can contact them if the anser to the question has been forgotten although i never set this up and I did not get that help. They passed me around and blocked my access.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on 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 FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

i was not living in the usa at the time ... i was living in XXXX..there is no way it is reporting accurately
Complaint sub-issue: Fee problem

I have  XXXX  accounts wit h US Bank.  They processed payments from the wrong account and as a results charged me  XXXX  overdraft fees in an amount of {$36.00} each. I do not have overdraft protection. When I try to dispute transactions made from wrong account they refuse to do so.
Complaint sub-issue: Account terms and changes

I Contacted Equifax In XXXX 2016 about Getting a replacement PIn Number For A credit Security Freeze they sent me a letter about XXXX forms of ID Well I sent in the Documentation they Reguested ( 3 ) times and I still have no pin. there only response was dated XXXX XXXX 2016
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

After 15 attempts to submit a dispute online I am reaching out to the CFPB to facilitate a review of Equifax 's on-line dispute system. Equifax systematically requests personal information for identification then claims the information provided does not correspond with their information and their system kicks you out so that you have to submit, repeatedly, the same information, over and over again. They wear you down so they won't have to do an investigation. Criminal. They are preventing the process of removing erroneous information from personal credit reports that can effect a person 's ability to get a loan, job or positive reference for employment. They need to be held accountable for their punitive actions.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 
XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

My wife signed me up as an authorized user on her {$24000.00} XXXX XXXX XXXX XXXX. I no longer wish to be an authorized user on my wife 's credit card. XXXX and XXXX deleted the trade line. For whatever reason, Equifax refused to delete the trade line. I guess they are too busy with their glitch problem to do their job. I want the trade line deleted by Equifax asap! I am not responsible for this credit card.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives who dumped stock immediately prior to the data breach announcement.
Complaint sub-issue: Personal information incorrect

On XX/XX/XXXX I sent Equifax a letter of dispute making the company aware that there are addresses on my consumer report that do not belong to me and I would like them removed. Because Equifax sells data my identity is compromised every time they provide these false addresses to anyone trying to contact me. This violates the BREACH OF PRIVACY LAW as well as THE PRIVACY ACT OF XXXX LAW. Instead of Equifax removing the errors they updated the address which further violates my federal consumer rights. My legal and only address is XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX NC XXXX. The addresses that follow do not belong to me XXXX XXXX CT, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX.