Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

Contacted ProCollect Inc based in XXXX, TX on XX/XX/XXXX about a debt that's on my rental history. I never received any letters from them, but when looking at my rental history, there is two separate amounts {$2400.00} and {$500.00} in collections. I contacted them to try make a payment plans, but they do NOT take payments in increments. The representative I spoke to wanted the money upfront aggressively and was extremely confrontational, then she offered me a settlement of nearly 50 % of what was owed on the two accounts. I told her I couldn't make the payments that day, I was just calling to get more information on theses accounts, but could make them in the next two weeks. She declared, " I'll just have to put refusal to pay. '' Confused and at this point, nearly having an anxiety attack, I told her I could make the payments as soon as I could with noting, I needed both account numbers. 3 DAYS later, on XX/XX/XXXX, the same exact representative leaving a voicemail on a Saturday stating I " needed '' to return her call. Confused again, I reached out and told every Procollect representative when speaking to a rep 3 days prior, I thought we had an understanding that I was going to pay in a few weeks. I ended up speaking to the same representative that spoke to XX/XX/XXXX and the conversation didn't go anywhere. When I told her they were breaking the law, she stated, " I'll just put refusal to pay today on your account and now you'll have to owe all of it instead of 50 % '' rudely with hanging up in my face. After the call, I had an anxiety attack, but definitely sought legal advice. We looked into Procollect 's track history of collections with horrible low rating reviews and according to several consumers they do NOT report to the bureaus when people do pay breaking federal laws extremely. Knowing this information, I contacted Procollect XX/XX/XXXX again asking for a different representative, but noticed the pressure to collect and was told I could use XXXX XXXX to send the payments to them. When putting the account number on their website, you don't see what you owe or or ANY statements. We held off on the payments, but contacted the original rental property to validate the debt and property manager told me there was no record of any debt. Procollect Inc should NOT be in business. If there is a debt legitimately, I don't mind paying, but to handle business one must know how and that's for sure. Aggressively harassing consumers and can't validate debt isn't one of them. As far as I know Procollect has put intentionally debt on people 's credit ( including mine ) that isn't validated. The reviews also report the company doesn't even send letters to verify payments. Speaking with my bank personally, they highly advised to never send XXXX XXXX and if I needed to make a payment make sure a receipt is given because with XXXX XXXX, once the money is sent off, it's gone. THAT'S SCARY and not to mention extremely illegal.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit Score Dropped by 100 points over night with absolutely NO changes. I have been working very diligently to repair my credit. I have been watching all 3 CRA 's on a daily basis, and was making excellent progress. I recently disputed a few inaccurate items, and reported some Fraudulent Activity on my Credit Report.
My Credit Scores had an extreme drop in some cases up to 100 points overnight. I have researched this, and have found that many people have the exact same issue. If you dispute inaccurate information on your credit report, you are punished by the CRA 's. This can not be legal, and certainly is not fair. To add insult to injury, the CRA 's are of no help whatsoever. I have spent countless hours on the phone with all 3 agencies.
Complaint sub-issue: Problem with fees

I received a new Citi XXXX card, happy that I will pay no interest for the first 18 months. Now that I have received a few bills, I see that Citi intends to make money during that time by charging me late fees in error. I just received my XX/XX/2020 statement and it includes a {$35.00} late fee alleging that my XX/XX/2020 payment was past due. I received email confirmation from my bank, XXXX XXXX XXXX XXXX XXXX, that my {$160.00} payment - well more than the minimum due - was sent to Citi on XXXX XXXX, the date my payment was due. Citi alleges they did not process that payment till XXXX XXXX, but that is beyond my control. I use my bank 's online bill pay service to pay a number of accounts, and only the Citi account charges me a late fee. According to the national credit bureaus, I have an exemplary record of on time payments. I would like CFPB 's assistance in removing this {$35.00} charge from my bill, because my XX/XX/2020 payment was not late. I also would like you to compile complaints such as mine because these fees can rise over time, triggering an increase in the interest rate once this account begins to charge interest.
Complaint sub-issue: Information belongs to someone else

In XXXX a XXXX credit account was opened in my name. That was closed but a new address has shown up on my report. XXXX XXXX XXXX , XXXX XXXX, NV XXXX. I have never lived or even been to Nevada. Each time Equifax says they removed the address but it is still on my report. 

In addition I have request that the hard credit inquiry be remove by both XXXX and XXXX XXXX. And that also remains on the report.This is the case despite them telling me that they requested it be removed. I have made request for the remove of the information 7 times since XXXX. I have called both Equifax and XXXX on this matter multiple times. At one point I have had to request the information be removed from XXXX  and XXXX  who removed the information with no issue.
Complaint sub-issue: Their investigation did not fix an error on your report

THIS IS MY LAST TIME TRYING TO HAVE THIS MATTER CORRECTED BY EQUIFAX. IF THIS FINAL INFORMAL ATTEMPT DOES NOT MAKE EQUIFAX TAKE THE ETHICAL, MORAL, & LEGAL ACTION REQUIRED & MANDATED BY THE FAIR CREDIT REPORTING ACT I WILL, WILL, WILL, ETC GO TO MY LOCAL COURTHOUSE AND FILE A LAWSUIT IN SMALL CLAIMS COURT ( CIVIL DIVISION ) FOR EQUIFAX KNOWINGLY AND WILLINGLY VIOLATING MY RIGHTS GRANTED TO ME BY THE FCRA. I advised EQUIFAX that a unauthorized hard hit inquiry is reflecting on my credit report. I asked EQUIFAX to conduct an investigation and confirm if the hard hit inquiry was authorized by me. Furthermore, if it was determined I authorized the hard hit inquiry to please provide me the name, contact phone number, date of contact, & A COPY OF THE credit application signed and dated by ME. I repeatedly get the same standard response from EQUIFAX ( PLEASE REFER TO THE ATTACHMENT ). EQUIFAX RESPONSE CONFIRMS THIER DERELECTION OF DUTY AND DISREGARDING THE NEGATIVE IMPACT THAT THIS UNAUTHORIZED HARD HIT INQUIRY ON MY CREDIT SCARE & CREDIT WORTHINESS. THE PREVIOUS CFPB COMPLAINT REGARDING THIS MATTER IS COMPLAINT # XXXX. 

Cc : The Honorable XXXX XXXX XXXX County Court House ( Civil Division )
Complaint sub-issue: Information belongs to someone else

NOT MY ACCOUNT I AM NOT AN AUTHORIZED USER ON THIS ACCOUNT {$5200.00} XXXX XXXX XXXX Current Last Updated : XX/XX/XXXX Credit Usage You're currently using XXXX XXXX of your credit limit. 

XXXX XXXX ( Stay below ) XXXX XXXX Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$5000.00} Keeping your credit usage below XXXX XXXX will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Current Past Due Amount -- Highest Balance {$5600.00} Monthly Payment {$100.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Authorized User Terms 0 Remarks -- Creditor Name XXXX XXXX XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX
Complaint sub-issue: Investigation took more than 30 days

NEW INFORMATION NEW UPDATE Notice of default and opportunity to cure. 

On XX/XX/2022 a claim was presented to Equifax violating my rights and unathorized disclosure pursuant to 15 USC 1681r. Equifax failure to comply within the 30 days required by Law. See Exhibit A.

I conditionally accept your offer upon proof of bona fide claim.

I have the right to Clear, Complete and Accurate information regarding my consumer report and consumer file. I also have the right to ask questions and you have a duty to answer them.

Notice Pursuant to 15 USC 1681b ( 2 ) -Permissible purpose of a consumer report. 

1. Do you have the authority to furnish anything on my consumer report or consumer file without my consent or written instructions? If yes, in good faith or under Penalty of Perjury please produce or provide sufficient evidence or documentary material facts to support your claim.

Notice failure to comply under law leads me to believe you may be committing FRAUD and shall incur a penalty and/or criminal liability of a XXXX XXXX dollars ( {$100000.00} ). 

Notice Pursuant to 15 USC 1681r further reporting of inaccurate or incomplete or unauthorized disclosure of alleged account reporting in question if you knowingly and willfully continue to be unlawful i will file a claim against you by way of Trespass, FRAUD, Breach of Privacy Rights, Dishonor and unauthorized disclosure by unlawful officers or employees of Equifax and shall incur a penalty and/or criminal liability of {$10000.00} a day upon receipt of this offer. 

Regards, XXXX XXXX a man
Complaint sub-issue: Account status incorrect

I was a victim of identity theft. They have incorrect addresses, phone numbers and employer on me credit file. I submitted a copy of my drivers license as proof and I filed a police report, FTC and CFPB with creditors and collection agencies. I also contacted ALL three credit bureaus to let know of such act and it has been three months now and finally starting to see some results. I contacted experian and the rep was extremely rude and not helpful at all stating that they don't receive any disputes or updates. I am frustrated as this is causing a financial burden on me.
Complaint sub-issue: Investigation took more than 30 days

I recently in the past 6 months has disputed negative/unverfied items reporting on my Equifax, I spoke with a representative at Equifax and was told clearly that they would not submit my dispute letter that i mailed out to them on XX/XX/2020. Equifax clearly has not and will not respond to my 4th dispute letter that I mailed on XX/XX/2020. Attached is proof of my 3rd and 4th dispute letters that I mailed out to Equifax, with them not processing the 4th dispute letter.
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 XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/202XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX  XXXX  XXXX XXXX XXXX XXXX They added unlawful amounts that i did not owe FTC on deceptive practices
Complaint sub-issue: Information is not mine

I have disputed the accounts as being fraudulent and not mine or opened by me. They refuse to remove the accounts from my credit file or remove them only to re add them later.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have unauthorized inquires on my credit report I would like to be removed. There has been hard Inquiries made in violation of federal law. Pursuant to 15 USC 1681a ( 2 ) ( A ) ( i ), the term consumer report can not be containing information solely as to transactions or experiences between the consumer and the person making the report. As a consumer and pursuant to 15 USC 1681 ( a ) ( 4 ), you are to respect my right to privacy and XXXX, Equifax and XXXX has violated my right by allowing these transactions to happen.
Complaint sub-issue: Attempted to collect wrong amount

XX/XX/XXXX We had debt collection going on heavily since I, XXXX XXXX Lost my job due to absence from severe sudden XXXX resulting from illness. One income ( XXXX ) was not enough to pay the bills. We were garnished to the max, didn't know that we could fight it. The kicker was that the debts would be passed around after I would write the judge to let them know that I have to eat at church and get baskets from various food pantries to make it but I had XX/XX/XXXXand I was ill, couldn't keep up ... so I asked for it to end. ( this was from XXXX - XXXX ) The judge ended it - and only then in XXXX did we realize that KOHN law firm [ who was very very very horrible mannered when we asked for reduction or for them to stop on our own ] Over-garnished monies by far.. They sent us the over-payment sheet XXXX XXXX XXXX did The Amount of payment was XXXX. The judgement was XXXX. 

We paid them XXXX, XXXX The Judgement XXXX Owed to XXXX XXXX I remain very ill but I am finally able to stay home long enough to get through some of these things that have been weighing me down. I have a home to save. This company has since garnished XXXX check and did so just a few months ago. Rather than use the access funds, they took more. I was struck suddenly with such severe XXXX and illness. We are almost there as far as clearing debts without bankruptcy. We can't get anywhere with this company in this amount of time and it was impossible to file any sooner.
Complaint sub-issue: Sent card you never applied for

Received an automated text stating : My Best Buy Credit Card : Thank you for applying for My Best Buy credit card. Visit http : XXXX for the credit card terms and conditions.
Complaint sub-issue: Debt is not yours

L J ROSS ASSOCIATES at XXXX XXXX XXXX XXXX, MI XXXX has been sending me collection notices in the amount of {$550.00}. The collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Complaint sub-issue: Account status incorrect

Hello im filing a complaint because i pulled up my credit report on equifax i see a account that is open with XXXX XXXX XXXX account number ending XXXX and this account was closed XX/XX/XXXX of last year and its paid in full on XX/XX/XXXX and its still shows that i owe them XXXX dollars and its hasnt been updated by equifax. And my credit score was dropped to XXXX due to 14 inquires that wasnt mine and one address that didnt belong to me in cypress texas XXXX XXXX XXXX  Balance XXXX this account is closed not open and its paid in full im asking equifax to send me a updated credit report and score
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. 

Account name : 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 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 seven 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: Account information incorrect

I was an authorized user on this XXXX XXXX account but was removed in XXXX. The balance of XXXX belongs to the owner and I would like it removed from my credit report.
Complaint sub-issue: Deposits and withdrawals

My account was closed XXXX XXXX & when I try to access it in the app it says they are having trouble verifying my identity so Ive had no access to it since then! I had a direct deposit of my Michigan state taxes into that account on XXXX XXXX in the amount of {$1500.00} they decided to keep it & say it was due to my account being closed & me owing them {$2100.00} this is the first Ive heard of this & they are unauthorized charges I did not authorize at all! They told me that my deposit would be reflected & sent back to the insurer & it was not it was deposited into a closed account & they refuse to send it back or give me my money. I have no access to this account at all to see anything & I looked it up there is fraud protection here & it is not being honored they refuse to show me the policy stating they can do this or any info stating where my money is they are foreign as well & are hard to understand
Complaint sub-issue: Their investigation did not fix an error on your report

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate XXXX XXXX XXXX Inaccurate I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? 
I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Complaint sub-issue: Information belongs to someone else

Upon checking my credit report I found some discrepancies an item that is not mine, I believe I've been a victim of identity theft, there is a delinquency on a rental property that I do not know about. 
so I'd like to report this to ask for help in restoring my credit.
Complaint sub-issue: Investigation took more than 30 days

ON XXXX/XXXX/XXXX I DISPUTED A COLLECTION ACCOUNT FROM XXXX XXXX XXXX XXXX IN THE AMOUNT OF {$130.00} ON MY EQUIFAX CREDIT REPORT. I RECEIVED NO RESPONSE. I SENT A FOLLOW UP LETTER ON XXXX/XXXX/XXXX. I RECEIVED A GENERIC RESPONSE, BUT NO INFORMATION HAS APPEARED ON MY REPORT SAYING THAT THIS ACCOUNT WAS BEING DISPUTED. PER XXXX  LAWS, IT MUST SHOW DISPUTED WITHIN 30 DAYS. AS OF THIS TYPING IT IS STILL NOT SHOWING DISPUTED. EQUIFAX IS BREAKING FEDERAL LAW AND I KINDLY ASK THAT THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT OR COURT ACTION XXXX HAVE TO BE MY NEXT STEP. I HAVE ATTACHED COPIES OF MY LETTERS INCLUDING A 3RD LETTER DATED TODAY XXXX/XXXX/XXXX. I CAN ALSO PROVIDE PROOF OF DATES WHEN EQUIFAX RECEIVED MY CERTIFIED LETTERS AND PROOF WITH TIMESTAMPED CREDIT REPORTS SHOWING THEY HAVE NOT COMPLIED WITH THE 30 DAY MARK AS DISPUTED LAW.
Complaint sub-issue: Can't use card to make purchases

One the week of XX/XX/2021 I made two payments of {$130.00}. and {$360.00}. The following day on XX/XX/XXXX, Discover shut off access to my card. I was never notified of this action. I only found out when I attempted to log in to my account on XX/XX/XXXX and I was not able to log in and was instructed to call customer service. The customer service agent informed me that I had to submit some paperwork from the Social Security Administration to verify my identity and that the paperwork would be processed in a few days. I received an email stating that my card was ready to use on XX/XX/XXXX. That day I attempted to use my card and it was declined. On XX/XX/XXXX I called Discover and was informed the my payments from the week of XX/XX/XXXX have not processed. Even though the money is no longer in my checking account. The agent then informed my that there is nothing they can do. So I requested that my account be closed. The agent said I would get a letter in the mail and hung up on me.
Complaint sub-issue: Information belongs to someone else

Greetings, Under the FCRA, Fair Credit Reporting Act, 609, 611, and 623 in the FCRA, I would like to dispute this delinquent reporting.

I am humbly requesting that XXXX XXXX XXXX with a last reported balance of $ {$2300.00} be removed from my credit report as at the time, I was only a young, oblivious authorized/joint user who was added to this account.

It appears that the primary account holder, my older brother may have innocuously added me as an authorized user without my express consent for the sole purpose of trying to establish/build my credit score at the time when I was younger and did not have credit.

I have perpetually been denied many credit cards, loans, mortgages, and countless opportunities as a result of this negative, perpetual delinquency that continues to harm me as an oblivious, Joint user. Thus, I am humbly asking that you please stop reporting and remove this delinquency from my credit report so that I may finally soon be an aspiring homeowner, and move on with my life for my and my family. Thank you
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/2021 : XXXX XXXX. I tried to purchase a air ticket through XXXX XXXX. But I received an email saying my payment did not go through. I used my newly opened Citi Credit card and a gift card received through employer. 
Credit card charge was {$2300.00} and Gift card was {$250.00}. Upon calling XXXX XXXX, the first person told me, there was an issue with the gift card and the CREDIT card transaction went through. She matched the gift card and pin and said I entered all the information Correctly. She said the other transaction will fall off on its own and she is going to retry charging the credit card which was obviously denied because i already had a pending charge of {$2300.00}. Upon trying multiple times to resolve it with XXXX XXXX saying i have a bad credit card. 

My credit card has a {$4000.00} limit. I called Citi to confirm that the first transaction went through and which is why the subsequent transactions were getting denied. Without being able to resolve it, and after at least 4-5 hours on phone call, i asked them to cancel the ticket and hoped that the transaction would fall off. 

Today is XX/XX/XXXX and I still have the pending charge of {$2300.00}. In the meantime, i tried calling both the merchant ( XXXX XXXX ) and CIti ( the credit card company ). They both blame each other and say we can not do anything. You have to wait 30 days.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XXXX XXXX ( via US Bank ) has claimed to have sent a {$600.00} payment to XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX. As of XX/XX/XXXX, XXXX XXXX has not received the money. They have contacted XXXX XXXX several times and XXXX claims no funds are being withheld. I have paid the {$600.00} to US Bank in my XXXX billing cycle. 

I have contacted US Bank numerous times in which they claim the {$600.00} has been sent and there's nothing else they are willing to do to help resolve the situation. Attached are two letters. One from US Bank stating that they sent the {$600.00} and a letter from XXXX XXXX stating they have not yet received the money.
Complaint sub-issue: Was not notified of investigation status or results

I sent the letters out to the bureaus on XX/XX/20 and I have not received any notification of the investigation being started. I feel like Im being taken advantage of. According to the FCRA these in accurate unverifiable items must be deleted immediately. its been over 30 days.