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

All my debt to XXXX Hospitals were paid in full in XX/XX/2017. Verifying my credit score recently I see a debt of {$100.00} sent to a collection agency, debt that is not owned by me as all the invoices were paid in XX/XX/2017 by my insurance company and the remainder amount by credit card. I have to mention that no invoices were received after the full amount was paid, therefore this {$100.00} shown is an absolute error.
Complaint sub-issue: Was not notified of investigation status or results

This is a formal complaint against Conns located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Conns has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still 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 Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX Balance Owed : {$3100.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Debt is not yours

this is not my debt. i currently have an account with XXXX XXXX but its a prepaid account. i believe this is a case of idenity thieft.
Complaint sub-issue: Account information incorrect

To whom it may concern, I would like to file a formal complaint against Equifax for the following reasons. I'm providing my XXXX XXXX information that was submitted to defend against constantly delayed data updates and proper reflection that I'm a highly credit worthy citizen. NOTE : I have a perfect payment history, not one day late on paying anything. 

1. Equifax has consistently been reporting 30-50 points below XXXX and XXXX for no justifiable reason. 

2. Equifax has been significantly lowering my score for small increases and refusing to re-adjust after major decreases, lowered balances and paying offs. 

( -20 ) XX/XX/XXXX - for a XXXX loan I paid off in full ( -9 ) XX/XX/XXXX - for decreasing a balance {$180.00} ( -51 ) XX/XX/XXXX - for a new card I opened that is now below 35 % ( -16 ) XX/XX/XXXX For a {$1900.00} balance increased that is now paid down well below 35 % ( -22 ) XX/XX/XXXX for a XXXX XXXX card I opened which is now paid down over 35 % ( -12 ) XX/XX/XXXX For paying off XXXX XXXX loan of XXXX ( -46 ) for credit utilization which are now all below 30 % -50 % lowered. 

( -5 ) XX/XX/XXXX for decreasing a balance {$72.00} ( -21 ) for XXXX balance that increased by {$140.00}. XXXX payments are never missed 3. Equifax is projecting that I'm not credit worthy and interfering with my ability to lease my XXXX that I've waited 6 months to be receive. I will lose this car if you don't properly report data, my credit worthiness and score. 

TIME SENSITIVE : Their reporting is ruining my lease with XXXX XXXX and is going to keep me from picking up a car I've been waiting for, for over 6 months. This is feels like Torturous Intrusion against my right to credit and to live.
Complaint sub-issue: Account information incorrect

Equifax didnt preform a reasonable investigation as required by the Fair Credit Reporting Act on XXXX XXXX XXXX account XXXX. Equifax didnt provide me with the proof documentation I requested proving that I was late on XXXX. 

Equifax have violated the Fair Credit Reporting Act requirements by not reporting the notice of dispute with this account.
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 involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Complaint sub-issue: Debt is not yours

I would like to complain about items not being removed from my credit - I filed disputes with the companies directly and all 3 credit bureaus. I sent a 609 letter on XX/XX/2021 -- and a demand to comply letter on XXXX the items have yet to be removed from my credit due to FCRA this is a violation of my rights as a consumer
Complaint sub-issue: Can't get other flexible options for repaying your loan

I graduate in 2015. I didnt start paying my student loans cause i want working i own then XXXX that my private loan debt. When i did get a job they wanted me to pay XXXX monthly but i can afford that i try to reason with them but they wasnt trying to help me. With my private loan i do have a co signer but the person wasnt gon na help me with it so now im on my own at the point theres nothing i can do because they be sending me threating letters and phone calls and i wan na pay then i just dont have to amount that they want because i work part time.
Complaint sub-issue: Debt is not mine

I have an incorrect collection on my credit report without verification of debt. I do not have any contract with ERC ( Enchanced Recovery Copany ) and I have never done business with ERC ( Enhanced Recovery Company ). 
I have asked for verification of contract and I have not received any response at all. 
I am disputing this debt to the fullest extent of the law. They have also added it in my credit reports and are causing my credit reports to go down significantly.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Equifax this is your NOTICE OF VIOLATIONS Under 15 U.S. code 1681b- 15 USC 6802 ( b ) and ( c ). I was never provided any notification on paper as to whether or not I wanted the transaction reported. The company had an obligation to fulfill and failed to do so. INQUIRIES 1. XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX All of these accounts are third party debt collector they do not have a enforceable contract 1.XXXX XXXX XXXX  2 . XXXX 3. XXXX XXXX 4.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 18 U.S. Code 8 - Obligation or other security of the UNITED STATES The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes , Federal Reserve bank notes , coupons, United States notes , Treasury notes , gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps . THE DOCUMENTS IN QUESTION ARE SUBJECT TO THE PRIVACY ACT OF 1974 Contents shall not be disclosed, discussed, or shared with individuals unless they have a direct need-to-know in the performance of their official duties. Deliver this/these document ( s ) directly to the intended recipient. THEY WERE NOT TO BE drop off with a third-party. To be used on all documents containing personal information The document ( s ) contained my personal or privileged information and should have been treated as For Official Use Only. Unauthorized disclosure of this information may result in CIVIL and CRIMINAL penalties.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting XXXX # XXXX, XXXX # XXXXXXXX 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 # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted XXXXXXXX XXXX several years in an attempt to resolve a past due balance on my XXXXXXXX XXXX XXXX I asked for a supervisor several times because I wanted to have late fees removed in order to pay my balance in full. I eventually got to a supervisor and told him I just wanted to get the matter of the fees to be dealt with and I would be able to pay my balance in full. 

He lead me to believe that I was going to have my fees waived and would be able to pay my balance, however what he actually did was he entered the payment I made as a " settlement '' and closed my account. And now I have this account flagged as a settlement on my credit report, which was not what I agreed to, this has caused me measurable financial harm and this complaint is my last resort before filing suit in small claims court. 

Attempting to resolve this with XXXX I was told by a representative that I did agree to a settlement for less than the full balance, which is blatantly dishonest, I paid the full amount of all funds received and asked that the late fees be removed, to call this a settlement for less than the full balance is something I consider to be almost defamatory as the account was " settled '' and closed without my informed consent.
Complaint sub-issue: Their investigation did not fix an error on your report

On a recent review of my credit report, I discovered that the company XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt. All 3 Credit Bureaus said the debt is verified and accurate but it is based on XXXX XXXX word without any physical evidence. They must produce the above or delete or entry from all 3 credit bureaus.
Complaint sub-issue: Trouble with how payments are being handled

I called FedLoan Servicing on XX/XX/2022 to request a refund on the payments made during the payment pause. My loans were fully paid during this time. I was told that they are not recommending me to request a refund ( although I am eligible to do so ). The agent also told me it would take 200 days to process the refund and have a balance reflected on my account. I was told I would need to begin payments in XXXX although I am eligible for forgiveness. This will impact me financially as I would like to submit the student loan forgiveness application prior to XX/XX/2022 in order to receive forgiveness prior to payments resuming. 
I have received no update to the account and am concerned with the large processing time on this. According to the information the agent told me, it would take 6 months for this to reflect back on my account and I would not be able to receive forgiveness on all of those payments.
Complaint sub-issue: Information belongs to someone else

I have a mixed file the person on the other file is in debt and missing repayments, My score is going down rapidly it's causing me serious problems. The information is on credit karma the loans are XXXX, XXXX, and XXXX  I have contacted several agencies and tried to contact credit karma no one is giving me clear advice on how to fix this. I need help on what steps to take to fix this.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Received bad information about your loan

My complaint is regarding the Public Service Loan Forgiveness program. I submitted my Employment Certification at the end of XXXX. I have been working in public service since XXXX XXXX and have made 120 payments on my loan. 

I called on XXXX to check on the status of my application. I spoke to four different employees and received three different explanations. I was told that : My application was processed and declined because my loan is serviced through XXXX and not US department of education. However, I never chose to transfer my loan service to XXXX. He said that I could go to the website ( studentloan.gov ) and consolidate my loan into a loan serviced by the US department of education and immediately receive loan forgiveness. I had a question about the consolidation form online and was transferred to a lady who said : Now that I have applied for PSLF, I can now start making 120 monthly payments and will be eligible for PSLF in ten more years, but I should be able to pay off my loan in ten years, so there was no point in consolidating my loan.
I am unclear why my loan is not considered to be a US department of education loan and why my service was transferred to XXXX despite my interest in PSLF. I was then transferred back to a lady who said that she had no idea why I received the prior two bits of information, that my application was received but would take another 30 days to process. 
I feel as though I could call five more times and get five more  stories. 

After paying on my loan for more than 10 years, I still owe ~ {$3000.00} and am seeking assistance coming up with a resolution. If I ultimately do no qualify, I will understand, but I feel that I have been given the run around and every excuse why my loan should n't be forgiven and feel that I deserve due process.
Complaint sub-issue: Was not notified of investigation status or results

this alleged account was removed from my credit report early last year, and now you bring it back with out a 5 day notice of reinsertion in writing. this alleged account was removed because XXXX XXXX has no proof of service nor my signature on this alleged account please remove account or show evidence that I made this account with proof of service and my signature. there must be some mistake in billings or something
Complaint sub-issue: Their investigation did not fix an error on your report

I already reached out to the credit bureaus ( XXXX, XXXX, XXXX ) and notified them of their error posting of information on my report. The account balance is in fact wrong. A charge-off should show a zero balance. I was never late on these accounts. I have been monitoring my credit report for any changes, but I am yet to see the correction that I asked for and desperately need. I requested to generate a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information was received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.
Complaint sub-issue: Was not notified of investigation status or results

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. I AM A CONSUMER AS IDENTIFIED IN FDCPA 15 USC 1692A ( 3 ) AND I HAVE A RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ). YOU, XXXX ARE IN VIOLATION 15 USC 1681i ( 7 ) and 15 USC 1681i ( 6 ), FAILURE TO PROVIDE NOTICE AND RESULTS OF REINVESTIGATION PROCEDURES. PLEASE RESPOND IN 15 DAYS TO INFORMATION PROVIDED IN ATTACHMENTS.
Complaint sub-issue: Their investigation did not fix an error on your report

This investigation is still open under case file number XXXX. I have been patiently waiting for both Equifax and XXXX to delete the fraudulent hard inquiries that appear on their profile. I am attaching letters received from the businesses involved that absolve me from these fraudulent applications for credit or services. I did not apply or solicited these credit and they should be removed as soon as possible. have made numerous dispute initiative to both EQUIFAX and XXXX to remove these inquiries.
Complaint sub-issue: Account information incorrect

Okay Enhanced Recovery Company has been a thorn to me for the last few years. They have neglected to validate the debt. Not to mention the inaccurate they reported
Complaint sub-issue: Billing problem

On or about XX/XX/19 I sold my car through the service XXXX. As per the agreement they were obligated to submit payoff information to the lender, LENDING CLUB AUTO. After having to demand a payoff letter I submitted it to the buyer, the buyer insisted on having a physical address for overnight delivery and was denied this by the lender. The Lending club corporate office instructed the buyer to send the money to an address which they did. This check arrived via XXXX XXXX and was confirmed delivered and signed for on XX/XX/19. I called constantly to check why the status of the account and why it was late and was given a different story each time. In short nobody could figure out how to allocate the money from what seems like a corporate account to a regional account. After late fees and additional interest kept piling up Finally on XX/XX/19 the account was credited and I received a bill for what is called the outstanding balance. I tried in vane to get a breakdown of what these costs are for and if they are for interest for the 20 days they fumbled the money internally. I can not get a clear answer and do not think I should be liable for what seems like business as usual at lending club which is impeding the ability to pay off loans faster or even on time. the additional cost has been paid as I know it would affect my credit but think the lack of a description or explanation is unacceptable and feel I'm owed a refund.
Complaint sub-issue: Seized/Attempted to seize property

Received call on XX/XX/2017 XXXX HRS from XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. 

Threatening to take my property including homes and 401k / pension savings plans to pay off credit card debt. My understanding is this is unsecured debt at high interest rates.
Complaint sub-issue: Didn't receive services that were advertised

On or around XXXX to XXXX I saw a lot of pre approvals on credit karma. At first I didnt pay it any attention, but credit karma kept sending me all sorts of different pre approvals, telling me I qualified for credits cards, personal loans, and that I can refinance my car. I would see these offers every time I logged in to check my check score. After a few months of being told that I was pre approved, I thought I was in the perfect place to apply. So I applied on or around XXXX and was denied several times.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX Account # XXXX **** violated my Federal protective consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 U.S.C 1681 section 602 A. States I have the right to privacy
Complaint sub-issue: Problem during payment process

My credit card is with Citibank ( Costco Card ) and my online bill pay service is through XXXX XXXX. For the past two XXXX payments ( XXXX and XXXX ), due on XX/XX/XXXX of each year, my payment has been posted late and I have been hit with a late fee ( {$25.00} in XXXX & XXXX and interest charges ( {$2.00} in XXXX and {$11.00} in XXXX ). This bill is paid every month via Auto-pay through XXXX XXXX and it is set up to pay " by the due date '' and every other month for the last 2 years it has posted on time for all month 's except for the XXXX payments ( due in XXXXr ). Something weird is happening between these two financial institutions in the month of XXXX when this payment should be posting by the due date! 

Citibank was good and credited back the XXXX charges but refused to go back and review the XXXX charges. XXXX XXXX was not very helpful and just told me to set the payment day sooner. They also said they will research why this is only happening for XXXX 's payment, but that was three weeks ago and I have not heard back from XXXX XXXX. 

I can't figure out who is really at fault here : XXXX XXXX when they send the XXXX payment or Citibank for not posting the XXXX payment faster ( you will notice in the screenshots that XXXX XXXX is sending the payment the day before the due date each month ). 

Please help me get resolution!
Complaint sub-issue: Their investigation did not fix an error on your report

I filed bankruptcy and was awarded a discharge in XX/XX/2016 and it says discharge was XX/XX/XXXX I called the office and says they dont speak to consumer companies so how did they verify wrong information. I ask to have the contact person information and never got answer just court general phone number
Complaint sub-issue: Was not notified of investigation status or results

This is my 3rd submitting a dispute request via the CFPB about XXXX  and Equifax simply because these ( 2 ) bureaus are NOT responding to my disputes ... Please delete this negative debt especially since you all can not even verify it ... By law you have 30 days and its been almost 4 months. 

XXXX XXXX XXXX UNVERIFIED ACCOUNT- DELETE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TEXAS XXXXXX/XX/XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

I've sent multiple dispute letters to XXXX XXXX, and Equifax and they have failed to reply within the established timeframe that is allowed. 
I have sent them complaint letters and investigation letters several times and can provide documentation of each letter ( I have made copies of the letters and can provide them if needed ).