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

I have previously had this collection removed from my credit bureaus ... however, it is now being reported again under a different company by the name of  Alltran Education. I  do not have any contracts with this company.     As previously noted when this account was removed from my credit report, all of my communications have been with  XXXX   XXXX  University (  XXXX   ). T hey wrongfully submitted my account to collections while I was under a payment plan with them, and refused to pull it back. all supporting documents were submitted in the prior disputes. Alltran, the new collections company, contacted me to continue payments, I have been in communication with them for this student account balance, and specified to them this was the last of my balance with  XXXX  -- I previously paid out of pocket over  XXXX  to  XXXX , and this balance was the last of what was owed, which payments were being made on.. I told Alltran all payments would be made online to the creditor. however right after speaking with them, they reported it to my credit report. which appears to have been done out of spite after me telling them I would not pay them directly and it was being handled with  XXXX . I do not appreciate unethical business practices when I am already attempting to take care of this matter that should not have reached this point in the first place.  XXXX  improperly reported my balance, and breached their agreement by sending it to collections, which is why this account was previously removed from my credit report in the past. Furthermore, Alltran reporting this to my credit bureau as a " threat '' because I informed them I would not pay them directly ( probably because the representative would not receive commission for it ) is completely unethical.  XXXX  has previously taken responsibility for not properly handling my account.     Because  XXXX  has caused this much trouble for not properly handling my account, even still after the prior disputes, I have contacted a lawyer as well to handle this further.
Complaint sub-issue: Their investigation did not fix an error on your report

I called them to delete the inquires that I did not do but listed on my credit report. They said that they don't dispute inquires. This is not fair because I am a victim of identity theft and the credit bureau have to report this that I have done not fraud. Please delete the information that us on the attached identity theft report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Improper use of credit report : Late payments posted to accounts
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have fraudulent accounts on my credit profile that need to be removed immediately.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX and ProCollect have reported negative and false information to the the credit bureaus. I am a victim of identity theft and the reporting debt and documents do no belong to me. I notified the property manager XXXX at XXXX XXXX XXXX and notified the debt collector ProCollect of all police reports and identity theft reports. I was told that since they can not find the person that stole my identity they will continue to collect the false debt from me.
Complaint sub-issue: Their investigation did not fix an error on your report

It frustrates me seeing the Credit Bureaus do nothing in order to correct the disputed accounts that are being reported on my Credit File despite the multiple and countless dispute letters and CFPB complaints I have been submitting to the Credit Bureaus. Under the Fair Credit Reporting Act, the Credit Bureaus are required to investigate a consumer 's Credit File and correct and or remove the erroneous information from my Credit File. However, the Credit Bureaus have been ignoring my requests and continued reporting the disputed accounts without sending me copies of proof of verification. I am submitting yet another CFPB Complaint to request to the Credit Bureaus to remove the disputed accounts completely from my Credit File as soon as possible : XXXX XXXX Balance Owed : {$9500.00} Date Opened : XX/XX/2020 XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Reporting company used your report improperly

Ive contacted the companies and tried to resolve the matter still nothing
Complaint sub-issue: Account status

In attempt to repair my Credit I applied and obtained a XXXX and received a {$2500.00} credit limit which I was informed that this account would be reported to XXXX & Equifax on a monthly basis. After reviewing my XXXX & Equifax Credit Report for the past 5 months I have observed that XXXX XXXX has NOT reported my account to XXXX or Equifax. I called yesterday and was told that XXXX Credit Report does not report to XXXX anymore but does report to Equifax. I told the representative that on my Equifax Report that my XXXX XXXX has never been listed as an account in good standing on my Equifax Credit Report. Once I told the Representative that I was going to report this to The Consumer Financial Protection Bureau she quickly ask me to hold and speak to her Manager. When the Manager got on the phone she did not give a valid explanation of why my account is not being reported to Equifax. She requested me to sent her a copy of my Equifax Credit Report. Please note that obtaining my XXXX XXXX no credit check or inquiry was required. I feel uncomfortable of having to provide my credit report which obtains personal information that XXXX has no need to know. I believe that by me advising XXXX that my account is not reflecting on my Equifax Credit Report is all that is needed for them to ensure that this account that I have paid {$25.00} per month for the past 6 months be reported accurately to Equifax. The purpose of obtaining the credit is NOT for me to donate money to XXXX rather to help repair and rebuild my credit. The conversation ended that Equifax is at fault and I need to have them correct the issue.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 34 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Their investigation did not fix an error on your report

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I checked my XXXX, factor trust XXXX  and XXXX reports and i noticed accounts on there that don't belong to me and addresses as well. 
Accounts. 
1 ) XXXX XXXX XXXX {$560.00} opened in XX/XX/XXXX 2 ) XXXX XXXX {$72.00} opened XXXX 3 ) XXXX XXXX XXXX XXXX date opened XX/XX/XXXX {$860.00} 4 ) XXXX XXXX XXXX XXXX date opened XXXX {$870.00} 5 ) XXXX XXXX XXXX `date opened XX/XX/XXXX {$620.00} 6 ) XXXX XXXX XXXX XXXX date opened XXXX/XXXX/XXXX {$400.00} 7 )  XXXX XXXXXXXX XXXX XXXX date opened XX/XX/XXXX {$400.00} wrong addresses 1 ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, ri XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX , ri XXXX 3 )  XXXX XXXX XXXX XXXX XXXX , ri XXXX 4 ) XXXX XXXX XXXX XXXX , RI XXXX 5 ) XXXX XXXX XXXX XXXX , ri XXXX 6 ) XXXX XXXX XXXX XXXX , ri XXXX 7 ) XXXX XXXX XXXX XXXX , MA XXXX wrong phone numbers 1 ) XXXX 2 ) XXXX 3 ) XXXX 4 ) XXXX 5 ) XXXX Inquiries I didn't allow 1 ) XXXX  2 ) XXXX/ XXXX  XXXX 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX   XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXXXXXX 10 ) XXXX XXXX 11 )  XXXX XXXX XXXX 12 ) XXXX XXXX XXXX 13 ) XXXX XXXX XXXX  14 )  XXXX XXXX XXXXXXXX 15 ) XXXX XXXX XXXX 16 ) XXXX XXXX XXXX XXXX 17 ) XXXX XXXX XXXX XXXX 18 ) XXXX XXXX XXXX 19 ) XXXX XXXX 20 ) XXXX   XXXX XXXX 21 ) XXXX XXXX XXXX 22 ) XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

There are inaccurate items that are reporting on my credit report. i contacted these companies over 90 days ago and nothing has been resolved nor did i recieve any explanations.
Complaint sub-issue: Reporting company used your report improperly

In accordance with fair credit reporting act XXXX  account XXXX Has violated my rights.

15 U.S.C 1681 section 602 A. States that i have rights to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without written instructions.
Complaint sub-issue: Other problem

I purchased a trip with XXXX XXXX on XX/XX/XXXX for {$3500.00}. Due to weather conditions, the trip was cancelled. I submitted a dispute to the credit card company onXX/XX/XXXX At that point the credit card company issued me a conditional credit for the dispute. On XX/XX/XXXX, I received an email from XXXX XXXX, the vendor, saying that they were going to refund my money. On that same day, I cancelled the dispute request. On XX/XX/XXXX the credit card company said the dispute was resolved in my favor. For a short time, I had a double credit on my credit card due to the conditional credit as well as the refund from the vendor. However, the conditional credit was removed, under transaction number XXXX. The remaining credit for {$3500.00} was from the vendor, transaction number XXXX. I have called the credit card company at least 5 times to try to get a refund check instead of having a credit on my credit card. Each time I have called, I have spoken to a different agent. After the initial call, I was sent a letter saying that they couldn't issue the refund as it was the result of a conditional credit. I called them on XX/XX/XXXX and spoke Id # XXXX who agreed with my that the credit was not due to the conditional credit and said that I would have a refund direct deposited into my checking account. I called back on XXXX and spoke to XXXX ( an account manager ) who guaranteed that the. money would be in my account byXX/XX/XXXX. In the meantime, I was awarded a refund of {$15.00} which happens to be the same 4 digits as the proper amount to be refunded. on XX/XX/XXXX when the proper refund amount did not appear in my account, I spoke to another agent, XXXX who told me that she would make sure that the refund was processed. She also said that the XXXX was an agent mistake. She told me that I could expect a refund in 5-7 business days. OnXX/XX/XXXX I received a letter in the mail dated XX/XX/XXXX saying that they couldn't process the refund as it appears the credit balance was the result of a conditional credit dispute. I called the company on XX/XX/XXXXand spoke the first of 2 agents ( ID XXXX ) who also promised me to have it processed. Then I received a call back from a supervisor, ( ID # XXXX ) who has now told me that they have to investigate first. This is the first I have heard of an investigation and all previous agents have told me that they would process the refund. As seen in attached documentation, for a short time, there was the double credit of over {$7000.00}. However as stated above the conditional credit was removed and I am only left with a credit of {$3500.00} from the vendor. I would like my refund!
Complaint sub-issue: Account status

Fell behind on debt, and XXXX issued me a XXXX and forgave the debt. Included XXXX forgiven debt as income on taxes XXXX years ago. Recently, this supposed debt to XXXX popped up on credit report. There was a past due balance on the credit report. Filed disputes with all XXXX credit reporting agencies, and after several disputes and sending all of them a copy of the XXXX showing that the debt was forgiven, both XXXX and XXXX changed my credit report to properly reflect a XXXX balance on that account ( XXXX still refuses to stop reporting a balance on the debt to all XXXX reporting agencies, even though it was forgiven ). However, Equifax has refused to make the appropriate changes even though I have submitted all the information and the copy of the XXXX Equifax told me over the phone that they basically report anything that XXXX tells them to, even if it is false information. They said they could not change the report, even when there is concrete evidence that the debt was forgiven. This is absolutely not true. I warned Equifax that if the information was no updated accordingly ( Equifax has a legal duty to report the truth after their investigation, not just anything that XXXX tells them to, regardless of veracity ), I would contact the CFPB, and they would be able to sort this mess out. I have documentation of the XXXX, a copy of the letter I wrote them, and a copy of the Equifax investigation result, which did not change anything.
Complaint sub-issue: Debt is not yours

I.C. Systems is reporting a medical collection that is not mine. We called them and they have no record of my name or address in there system, yet they are reporting to XXXX and XXXX the fact I owe this collection. The account number on my report is XXXX. This is preventing us from purchasing a home and we need to have them remove this item from our credit report. They have admitted they do not have us in the system, yet refuse to take ownership and have it removed.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

My name is XXXX XXXX My problem is with the cash app. My cash tag is. XXXX XXXX  Cash app let XXXX fictitious companies take money out of my account when I spoke with them about it they said I had to get the money back so I worked on it to get the money back. I got some of it but then I cash app close my account. There is still bitcoins and stocks in that account which they will not allow me to get out. They said they could long no longer help me.and that it is closed I have screenshots of all the companies even the conversations that I had with cash app they refused to help me. They made me do it on my own and then when I did they close my account so I could not receive money. and now I have another account and theyre doing the same thing and allowing people to take money and not help me that is one scandalous system. this is my email address and phone number XXXX ( XXXX ) I would be grateful if you could help me with this issue Thank you oh a list of an authorized payouts XXXX XXXX. XXXX. XXXX. XXXX this did it 2 times on my account. XXXX 2 times as well if not XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX 2 times as well XXXX XXXX if you look you will see that cash app let these so called companies take money out of my account 2-3 times when I asked them to put a stop to it they did nothing!!!! And then I worked hard to get my money back but before I could get anything back cash app closed my account Thank you please help
Complaint sub-issue: Public record

On or about XX/XX/XXXX Equifax updated my credit report via a dispute file by me to show XXXX ( XXXX ) tax liens were paid and released from the IRS. Both liens were originally filed XX/XX/XXXX and XX/XX/XXXX respectively. I then filed another dispute with them to remove both, as the rules states " Paid tax liens XXXX remain for up to XXXX years from the filing date and 10 years if not paid. '' Both liens have met this criteria as it 's now past 7 years since filed paid/released. Equifax removed XXXX of the liens ( filed XX/XX/XXXX ) and insist on leaving the other ( originally filed XX/XX/XXXX ) on my profile. I was recently told by Equifax via phone, that it will remain for an additional 7 years from the release date of XX/XX/XXXX. Both were released at the same time. I had the very same item deleted by XXXX without any problems. I was told and confirmed by XXXX that the item met the criteria to be deleted. However, Equifax insists that the 7 year clock to removed does not start from the original filed date of the tax liens but when released. This claim is not consistent with my experience with XXXX. It is very unfair that the same account would be victim to another 7 years of negative reporting. Please see the attached Equifax credit report documents and the confirmation from XXXX in support of the same account. I am requesting the remaining tax lien deleted from my profile as reported by Equifax in keeping with the rules as outlined by the FCRA. Thank you.
Complaint sub-issue: Public record information inaccurate

I refer to the attached XXXX  Credit report file number XXXX dated XX/XX/XXXX specifically page 41, CHAPTER XXXX  BANKRUPTCY DISMISSED as clouded. See Attachment 01.

As mandated by Title 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, Subchapter III, Section 1681c, Paragraph a.1 Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

The Law is clear Dismissed Case is not included within the parameters of the above mandated reporting guideline, furthermore ; the referenced Chapter XXXX Bankruptcy did not have Entry of the Order for Relief nor ever been Adjudicated. In fact, it was Dismissed Prior to Adjudication. See attached Court Report Case XXXX dated XX/XX/XXXX. See Attachment 02.

Under Federal and State Law, FCRA Title 15 U.S. Code 1681i, Paragraph 5.A, immediately upon receipt of this notification you are obligated and directed to remove the referenced Chapter XXXX Bankruptcy on my credit report. It is not in your jurisdiction, responsibility, right or business to report this crucial and extremely damaging personal information. Also per the Law you are obligated to furnish me updated copy of my corrected credit report per Title 15 U.S. Code 1681i, Paragraph 5.A.ii of FCRA. All required information and supporting documents are included on this letter package, therefore ; an investigation is deemed absolutely unnecessary.

Your response within 14 calendar days upon receipt of this letter is greatly appreciated.
Complaint sub-issue: Debt is not yours

Equifax has been placing negative items on my credit report and it's making my score go down. I've tried contacting them to let them know that those negative items are not mine and they refuse to remove them. I was denied a house loan because Equifax is reporting false late payments from these accounts that are not mine. I called both companies which are XXXX XXXX and XXXX XXXX to find out more information about these false credit lines and neither company can find me in their system. I've informed Equifax and still, they have refused to remove them. I asked them if they sent the dispute to both companies and a gentleman told me that they had sent out a dispute on XX/XX/2021. I called both companies to verify if what the gentleman told me was true, unfortunately both representatives from both world and security finance told me that information was incorrect. I called back on XX/XX/XXXX, XXXX and XXXX and still neither company had received a dispute from Equifax. I want more information on seeking legal reparations from Equifax for the harm they have caused me.
Complaint sub-issue: Account status incorrect

My XXXX Acct and personal loan is showing as late, when I have always paid on time with all of my acct. And it was never late. I have tried in good faith to work with XXXX XXXX XXXX credit union and also the credit bureaus to correct this, as this false information is hurting my ability to some day seek a mortage
Complaint sub-issue: Information belongs to someone else

I have the app XXXX XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX I XXXX {$4000.00} XXXX XXXX {$740.00} XXXX XXXX XXXX  XXXX {$1600.00} US DEP ED XXXX {$5000.00} XXXX   XXXX {$12000.00} US DEP ED XXXX {$5100.00} XXXX XXXX XXXX  XXXX {$250.00} XXXX   XXXX {$100.00} XXXX  XXXX {$26.00}
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : ( item/accounts/information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Confusing or misleading advertising

I took out a bar loan from discover in 2014. The TILA disclosure stated the loan was not dischargeable in bankruptcy which I have since read in the news is not true.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under un open end consumer credit plan as late for purpose.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX Account Number : XXXX has violated my rights. 


XXXX Account Number : XXXX has violated my rights. 

XXXX XXXXXXXX XXXX  Account XXXX : XXXX has violated my rights. 


XXXX XXXXXXXX XXXX Account XXXX : XXXX has violated my rights. 

XXXX XXXX XXXX Account XXXX : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. 

XXXX XXXX Account 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: Can't use card to make purchases

I'm issuing a complaint about Citi Bank & XXXX XXXX XXXX! Both companies have decided to make their own laws! Their laws are not in compliance with our Constitution! Their new policies are to not accept credit card transactions for the purchases of any firearms or bullets! They will not even allow you to purchase toy guns! This is against our Constitution & our rights as US citizens. Please have them correct their errors & restore our constitutional rights! I feel they should be fined a large amount for breaking the laws against USA citizens! If no fine then they s/b closed down!