Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

I have been submitting multiple dispute letters and CFPB complaints against you to request to remove the erroneous information that you have been reporting on my Credit File. When I checked my credit record, I discovered multiple billing problems. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any negative statements on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts that should have been corrected and or removed a long time ago : XXXX. XXXX XXXX  XXXX XXXX Balance Owed : {$1200.00} XXXX. XXXX  XXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX Balance Owed : {$10000.00}. Also, you have been failing to send me copies of proof of verification from the investigation you were supposed to conduct. I have my doubts whether you did any investigation at all. Under the FCRA, I am going to request once again to remove the negative marks and statements on the disputed accounts or completely eradicate the disputed accounts themselves.
Complaint sub-issue: Attempted to collect wrong amount

This company continues to charge a fee for what they list as a charge off, closed account or open account. Finally received some paper work and they say it 's from a rental agreement from breaking a lease 6 months early. The rental company is denying a lease broken. The amount once it 's disputed will increase a dollar or two every couple month. So my question how can they keep charging interests on account that they never started or I never sign a contract? The other problem is they keep returning on my credit report once it is removed. They make sure it is.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XX/XX/XXXX 2.US Small Business admin oda XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX I checked my personal credit report, and I noticed an unauthorized inquiry had been made. I contacted XXXX, and asked them to remove their credit inquiry from my credit profile. I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business
Complaint sub-issue: Talked to a third party about my debt

My ex husband ( of nearly XXXX years ) was at the agency 's office to pay on his account. The employee asked if he wanted to pay on my account. She informed him he was also on the account. He told her that was highly unlikely as we 've been divorced for nearly XXXX years. She then told him how much I owed and what it was for. He then contacted me so that I could get it straightened out. I spoke the the manager of credit care in person. He said, " I do n't know how that could happen ''. I informed him that my ex knew all the private information, so it obviously did happen. He said he would investigate to find out who gave out the info and reprimand them. 
He agreed that it was a violation, and apologized for my experience. 
It was embarrassing that my ex was privy to my medical and financial information.
Complaint sub-issue: Having problems with customer service

I 'm in default illegally as I was XXXX without communication for over 8 years when I was initially on a deferment, with no notice it was n't continued until I was in the middle of the XXXX and had no options, however the issue at hand is I 'm paying a rehab program, but they keep calling me at work, and then refuse to quickly complete the call, seeming to extend it needlessly. When I ask for a quick call, they slow it on purpose, putting my job at risk. They do n't offer any online payments or other self pay options to avoid these humiliating calls. They ask questions that are harrassing, and although I 've made numerous requests not to be asked, I 've been advised to stop asking for that as they state they 're required to ask.
Complaint sub-issue: Account terms

THE XXXX = XXXX, has reported to credit bureau that I owe them {$12000.00}. I was never informed of this alleged debt, and neither was I told that XXXX was reporting a debt to credit bureau. XXXX is payee for Social Security pension and Trustee for federal VA health benefit, and bth of these income sources go directly to XXXX on amontjly basis. When I left XXXX long term facilities on XXXX XXXX, XXXX, I had no outstanding debt except for each upcoming month of care at the XXXX RETSIL facility. I havve received periodic accountings of income received from XXXX and how the funds were disbursed, At no time was there any indication of any arrears after my departure of XXXX XXXX, XXXX. XXXX in conjunction with another party, filed a Guardianship petition during summer of XXXX, and among other allegations by XXXX is that I owed an unspecified amount to XXXX. I questioned this allegation through email with XXXX and I was not provided any documention to verify their contention. I hhave recently been denied for a mortgage loan and also a property management company has refused to rent me an apartment ; both of these have giVen a credit reporting without specification, though i suspect the XXXX report of my owing them {$12000.00} plays a prominent role in the denials. 

I 'M XXXX, IN A XXXX, XXXX, VETERAN AND XXXX. 

I REQUEST YOUR KIND ASSISTANCE.
Complaint sub-issue: Attempted to collect wrong amount

I am writing to about XXXX XXXX XXXX. On XXXX XXXX I was given a citation of eviction for XXXX XXXX XXXX  XXXX XXXX dollars.On XXXX XXXX. I had a court date and the Judge ruled in my favor to pay XXXX XXXX XXXX  XXXX dollars My rent for XX/XX/XXXX was XXXX XXXX XXXX   XXXX dollars with late fees included of XXXX XXXX dollars along with the filing fee of XXXX XXXX  XXXX dollars. Mrs. XXXX was in court asking for XXXX dollars and the judge asked her why?. She couldn't explain to the judge what was the amount including that is when he made a judgement in my favor for XXXX XXXX XXXX  XXXX dollars including filing fee of XXXX. In XX/XX/XXXX, I had received a notice of move out charges were I didn't agree to. I moved out as of XXXX XXXX. In the state of Texas after eviction you can't stay in the place if you do stay the management have to go back to court to get the constable to evict you but we left an moved bwecause the Judge asked me to move within five days. I had moved in with my mom until XXXX XXXX. We moved into a hotel on XXXX XXXX until my apartment was ready on XX/XX/XXXX, Also the itemized move out letter stated We had moved out on XX/XX/XXXX. Mrs. XXXX charged me rent for XX/XX/XXXX, late charges and the eviction fee the courts had already included in the amount I owed XXXX XXXX stated I caused damages without rendering my security deposit back. The damages were foreign to me and made up. Mrs. XXXX was later fired from XXXX XXXX XXXX for stealing from tenants. I have disputed with Pro Collect and the credit bureau since XX/XX/XXXX about the facts of this matter. Both Pro Collect and The Credit Bureau had told me the information is verified. Furthermore, I only receive the amount owed on my credit report XXXX and the statement from Pro Collect is XXXX and the amount with the court is XXXX. This also paced on my son 's credit and he wasn't responsible for this debt he was in high school. He had to be placed in the adults section because he was XXXX years old.
Complaint sub-issue: Information belongs to someone else

Not sure who used me name but these 4 accounts been opened in my name without my consent and/ or authorization. I have no knowledge of these accounts and now I'm demanding the credit reporting agencies to remove them immediately. The accounts are, XXXX XXXX XXXX {$91.00}, {$78.00}, {$300.00}, and XXXX XXXX {$720.00}. Please remove the unauthorized accounts.
Complaint sub-issue: Problem getting your free annual credit report

I HAVE TOO MANY OPENED ACCOUNTS PLUS NEGATIVE ITEMS THATS SHOWN ON MY CREDIT REPORT FOR ALL 3 CREDIT BUREAU AND THATS DECREASING MY SCORE EVERY SINGLE MONTH
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

We have several email correspondence about this matter. we have several calls as well regarding the call 's, text, and request to pick up the car and they've yet to pick up the car, provide the title for the car, give any information regarding the next step of the process and this is driving me crazy. I am XXXX  in the military and as I serve my country this is the last thing I need is to be dealing with this mess. We have done all we can to get this matter handled and they are penalizing me credit-wise, refuse after several made appointments to pick up the vehicle and I can't keep trying to handle this matter on my own.
Complaint sub-issue: Frequent or repeated calls

I have had repeated calls from a company called AFNI when I XXXX them they come up as a debt collection agency. I have told them I am unaware of who they are, and they try to get me to give them information I am not comfortable giving, at which point the call ends. This company is calling me daily non stop. Recently I received 4 calls in under two minutes from this company. At this point I am looking at this as harassment as 4 calls in under 2 minutes is extreme behavior.
Complaint sub-issue: Didn't receive enough information to verify debt

The company has continuously called not identifying themselves as debt collectors or an attempt to collect their debt. They received no answer no one says anything when they call and they use the robocall to update credit records as if they spoke to someone. They should not be able to update credit records saying that they spoke to someone for example they have a declared natural disaster written on my credit record no one spoke to me I never declared any natural disaster. This company is making false representations on my credit record updating it monthly is not two or three times a month they didn't buy the debt two or three times a month they have no right to update it to three times a month they've never spoken with me I don't owe this debt and they have been predatory in their attempts to collect the debt that is not old. In this form I'm only allowed to choose one auction at a time but there are many more options if I could choose more than one that I would fill in for them. When I asked for verification and validation of debt in 2019 I received no reply.
Complaint sub-issue: Account information incorrect

Each month, I pay my Discover card in FULL regardless of the balance. Last month, XX/XX/2021, I checked my credit card balance on both XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, the date my balance is due each month, my online Discover account showed I owed {$1900.00}, so I processed a payment. My closing date is on the XXXX of each month, so on XX/XX/XXXX, before XXXX, I checked my account one last time and it showed I I now had a balance of {$700.00}, so I processed the payment early in the day before the cut off time via the " current balance '' payment feature. Discover only allows you to pay the balance that's reflected on your account ; you're prohibited from paying more than that or else you'll be left with a credit. The " current balance '' option allows you to pay the full amount Discover states you owe. 

This past week, while reviewing my credit card details on XXXX XXXX, I noticed that Discover had reported to the credit bureau that I had a balance in the amount of {$290.00} in XXXX, which was never reflected on my account prior to my statement closing date. As I said before, I'm very on top of my Discover credit card and student loan payments and have never made so much as a late payment in the nearly 12 years since I first opened my accounts. 

Discover isn't accurately reporting my balance to me/updating my account in a timely fashion. This is the second time that this has happened. If you review my previous conversation with a Discover rep via the chat function a few months back, the rep admitted that Discover reported the wrong balance to the credit bureaus earlier this year -- I believe it was XXXX -- although I had a balance of {$0.00}. She stated I'd have to reach out to the bureaus to have this fixed. 

Furthermore, the payments I made in XXXX XXXX are very specific. You can clearly tell that the {$1900.00} and {$700.00} are the amounts that Discover had listed on my account both days because they're not whole balances. For instance, instead of {$1900.00}, why wouldnt I just put {$1900.00} if these were balances I came up with on my own? Instead of {$700.00}, wouldn't I just process a payment for {$700.00}? It doesn't make sense that I'd come up with two very specific amounts unless they were provided to me by Discover. Furthermore, I'm only allowed to pay the balances Discover provides to me ; they don't allow me to pay over that or else I'll be at a negative balance on my account. The {$290.00} was never listed or else it would've been included in the {$700.00} when I made the payments on the XXXX and XXXX. 

This has caused me a lot of frustration and anger ; Discover 's supervisors are no help. This is the 2nd time within a year that they have made this mistake and affected my credit score. Furthermore, I was charged interest for a balance that wasn't even reflected by the due date or statement closing date, thus, not allowing me to process a payment to cover the {$290.00}. 

I would like this removed from my credit report and the interest to be reimbursed. I will pursue this further if this isn't resolved.
Complaint sub-issue: Personal information incorrect

1. I legally changed my name which was effective XX/XX/2019. I changed it from XXXX XXXX XXXX to XXXX XXXX XXXX 2. XX/XX/2019, my husband and I tried to apply for a mortgage, but there was a refusal on the behalf of Equifax because of the name change. 
3. I contacted them and they requested a copy of the legal order, new social security card, and driver 's license to be faxed to them. Since we do not have a fax machine, our mortgage officer faxed the documents to them on XX/XX/2019. 
4. These documents were obviously received because they started an action on their end is that they used my oldest daughter 's, XXXX XXXX, credit information and attempted to change her name to XXXX XXXX XXXX. Thankfully the only thing they changed was her address to my address. This disturbs me because at no time was XXXXXXXX XXXX social security number or information given to them and her credit file should never have been accessed or changed. 
5. I called them on the mistake and they are saying now that they never received the documents, which I told them was a lie because they initiated an erroneous action. My name has yet to be changed on my credit report and obviously, I am a little hesitant to fax them my social security card and driver 's license again because that is sensitive information that they mishandled everything and lost the first set it seems after they made the errors.
Complaint sub-issue: Account terms

My name was incorrect on the bill and the credit account name was typed by a representative holding my license. Everything I tried to pay my bill they could n't find my account by name social security or phone. I tried XXXX 4 times to lay the bill. Finally it went to a collection agency and they called my phone and helped me take care of it. Bill went delinquent just because they would n't double check spelling with my license in their hand.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2020, I sent a letter to the credit bureaus because they had ignored my previous dispute in XXXX. I understand that COVID has caused a delay but the credit bureaus are still working so it really isn't an excuse. I havent gotten any communication that a dispute has started or any results. I know for sure that if a credit bureau must conduct an investigation in 30 days and if they do not they have to automatically delete the accounts that were disputed. This is the law and it must be followed. So with that being said the following accounts need to be deleted from my credit reports immediately : XXXX XXXX XXXX XXXX The credit bureaus have been ignoring me on purpose and this isn't fair. I am prepared to go to litigation because this entire process has caused a lot of stress in my life. I was also a victim of the Equifax data breach so I don't know who could have my information. 
Delete these accounts.
Complaint sub-issue: Problem related to refinancing

Flagship credit acceptance Corp is a fraudulent company the license needs to be pulled they operate in an attempt at directing any problems as an option for themselves for repossession they say one thing and pledge one thing but they do something different and then they document something amongst themselves in total contradiction of their assurances and actions and then submit that to the agencies to whom they have been reported to dupe and deceive those agencies with grandiose assurances all based on falsehood and document alteration over 2 months customer has been trying to get a call back from an appropriate representative and here it is it's been over 2 months and there still has been no supervisor or appropriate representative to contact the customer but they have well documented that they have the company is a deceptive company that can not be trusted they promised the me that payments were being pushed or put to the end of the loan then another person calls and has no idea about that promise then another person calls back and tells me make a payment and then we'll put the other ones to the end of the term then someone else calls back who says there are no notes but then they start reading on notes which serve an altered version of the companies misdirected agenda a simple problem which covid caused could have been fixed but because of the malingering of this company and its lack of viable contacts although they have a easily accessible number and a pledge as the same they have no supervisor who has called me back yet. A fair resolution would be the company removed from my credit but let a past 30-day payment that they have on my credit and that they honor what they pledge to move the payments to the end of the term and that they have a viable representative contact me.
Complaint sub-issue: Account information incorrect

credit bureaus are not updating my information and date of birth is wrong again it should be  XXXX  my address is  XXXX   XXXX   XXXX    XXXX   nc  XXXX  not the other  XXXX  address they have they took off accounts then but them back on why????? please help me fix this.
Complaint sub-issue: Information is not mine

I requested contracts bearing my signature and the creditor nor bureaus have provided me any proof within 30 days as required under the FCRA.
Complaint sub-issue: Account information incorrect

I disputed something with the credit agency, after 30 days they have not validated the debt, which is in violation of U.S Code 1692 ( g ) ( k ). 

I would like this deleted.
Complaint sub-issue: Threatened or suggested your credit would be damaged

There is a negative impact to my credit report due to this creditor in the amount of {$2800.00} in which I do not owe. I am not responsible for this yet I am being negatively impacted on my credit.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a victim of identity theft, here are the hard inquiries listed below : 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 XXXX XXXX XXXX XXXX
Complaint sub-issue: Don't agree with the fees charged

I am currently at school and starting XXXXl school this fall. I work as a XXXX XXXX to sustain myself in the interim. Due to the COVID-19 outbreak, all of my hospital interpretation assignments got canceled. In light of the pandemic, I reached out to my private student loan issuer Sallie Mae to ask for forbearance. I have two loans with them. They did give me a substantial time, however XXXX! ), they refused to remove the interest rate which now stand@ 10.375 % and 10.875 %, respectively. Considering that the government has dropped the interest to ZERO, I deem Sallie Mae 's usurious interest gouging as unconscionable and un-American. You have the authority to investigate any such immoral behavior and I urge you to do it and advocate on behalf of the American people who are working tirelessly to put bread on a table and pay taxes. I don't know where to start about my frustration and am fully aware of the term " private '' loan, but to charge interest at such dire economic downturn is absurd. Please please stand up for us.
Complaint sub-issue: Information belongs to someone else

To Whomever This May Concern : My name is XXXX XXXX and I am submitting this complaint because there are multiple mistakes on my credit report. They are XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Those items do not belong to me and should not be on my credit report at all. They are listed on Equifax, XXXX, and XXXX. Those are fraudulent items and they need to be removed asap. I will sue if these items are not removed asap.
Complaint sub-issue: Charged too much interest

I paid my account off and close the account. I did this 15 days before the due date. I found out I still owe interest rate on the account because they printed a statement after the XX/XX/XXXX.