Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX act XXXX Account # 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 have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and DEPTEDNELNET with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX.
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. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 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: Company closed your account

I have been with discover for over a year I have never missed a payment I have always paid my balance in full. I found out they closed my account when I got alert from XXXX. I never recieved a warning or a specific reason. I called and tried to get a reason behind the decision to close it they told me they couldnt provide the information and encourage me to apply for another discover card
Complaint sub-issue: Account information incorrect

I, Consumer and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.I recently received a copy of my credit report and noticed some accounts on my report that should not be there. The agencies ( XXXX, Equifax and XXXX ) are in violation of 15 USC ss1692g. They were to notify me in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt, I do not Validate this debt therefor the following accounts must be deleted from my report immediately : Account name : XXXX XXXX XXXX, Opened : XX/XX/XXXX Amount : {$15000.00} Account Name : XXXXXXXX XXXX XXXX  XXXX, Opened : XX/XX/XXXX, Amount : {$2100.00} Account Name : XXXX XXXX XXXX Opened : XX/XX/XXXX, Amount {$4300.00} Account Name : XXXX XXXX XXXX Opened XX/XX/XXXX, Amount {$150.00} Account Name : XXXX XXXX XXXX, Opened XX/XX/XXXX, Amount {$150.00}
Complaint sub-issue: You told them to stop contacting you, but they keep trying

Received a call on X/XX/17 from " Private Caller '' - it was XXXX XXXX with XXXX XXXX XXXX XXXX stating that she was set to issue legal papers to me and my husband unless I call the complaining company. The company name is XXXX XXXX XXXX, XXXX. I called and spoke to someone who stated I have an outstanding debt with a payday loan company ( can not recall the company name ) and if I do n't pay them, they will take me and my husband to court ( they have been calling him too since they state that Texas is a community property state so my debts are his debts ). I asked them not to call me or my husband again - she yelled at me and hung up. I called back to speak to a manager and he proceeded to yell at me as well. I told him not to call and he said he can call whoever he wants to call so I hung up. I have received messages from XXXX XXXX again on X/X/17 and X/X/17.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account number # XXXX Dates XX/XX/XXXX to XX/XX/XXXX. Has violated my rights. 
I called the customer service number to open an investigation on several occasions on their website but the item still remains on my credit report. 
15U.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't furnish an account without my written instructions
Complaint sub-issue: Account status incorrect

Credit bureau report inaccurate and unauthorized accounts and inquiries on my consumer credit report.
Complaint sub-issue: Problem getting my free annual report

I have on several occasions requested my annual credit report and waited the allotted time, and still have n't received my report from EQUIFAX. Then on top of that it will not allow me to dispute inaccurate information on my report such as the derogatory accounts not being mine. I have been denied credit because of information specifically in my credit file with EQUIFAX!
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Currently I am homeless and have been living in XXXX for the past 3 years. I use my cousin 's address as my permanent mailing address for any important business. In XXXX XXXX I came to XXXX to live with my cousin because I was having such a struggle and was about to have a child. While there I got a job with the XXXX XXXX XXXX, which I still have the job. I was laid off there but before I was, in XXXX XXXX, I XXXX XXXX XXXX went to DriveTime to apply for a car and was given a loan. I put a down payment and supplied them with everything that they needed. Upon me picking up my vehicle I did n't have my driver license with me because they were in the state of XXXX and it would be over a week before I could receive them, so they requested that my cousin sign to drive the car off the lot. We made it clear to the sales person that she is not applying for any car loan of any sort. 

I was the person who supplied all my pay-stubs, filled out the application WITHOUT HER and they checked my credit and told me that I was eligible to get the loan. The car as always been in my possession after I drove off the lot and I was the person making the payments and keeping in contact with the creditor when I could not make payments. I had been in a constant battle trying to get the contract corrected without her on it and they kept making me promises if I did this, they would make the correction and that never happen. 

Now the car has been placed on her credit report and the reason that it was repossessed is because I was struggling to pay rent, make payments and all my other bills. I am currently homeless and barely can feed myself and XXXX children. 

I have spoken with my cousin about this matter and she is very upset because she can lose her job because she works for the XXXX XXXX XXXX because of this credit issue that has been created. Also, she keeps getting denied every time she tries to obtain credit for a major purchase and have to explain that this is not her debt ; but because Drivetime has put her as the owner of the car, it does not help. 

We have requested to get a copy of the application but that have not received it. You are the only hope to get this situation corrected. Attach you will find the copy of the contract that was supplied to us that is diffidently not correct.
Complaint sub-issue: Problem with fees

I paid off my Citi card in XX/XX/2018. I am enrolled in paperless statements. There was a {$23.00} charge in XX/XX/2018. 

I have not received ANY statements from them until this morning, when I got a notice saying that my TWO accounts with them ( I only have ONE account ) were four months overdue. And they are charging me more than {$400.00} for that {$23.00} charge. 

I can not access their messages to me on their web site ; the system freezes and then I am locked out. 

I want those exorbitant charges removed. There is no way I am going to pay more than 1000 % interest on that tiny amount.
Complaint sub-issue: Information belongs to someone else

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

Please remove the collection accounts, it is not mine.
Complaint sub-issue: Attempted to collect wrong amount

This company AFNI, INC which i have NO CONTRACT with is Reporting on my credit reports fraudulently. * Were you named on the original contract with the original creditor? * If not, do you have a contract between your company and me, signed by both parties? * If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? * Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.
Complaint sub-issue: Information is not mine

There are addresses on my report for places I have never lived. Also a fraudulent credit card opened in my name at XXXX. I have disputed this with XXXX and want it taken off my credit report.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Account charged off. {$3.00}, XXXX written off. {$3.00}, XXXX past due as of XX/XX/XXXX. {$3000.00} XXXX XXXX XX/XX/XXXX Account charged off. {$720.00} written off. {$720.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX Collection account. {$8.00}, XXXX past due as of XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$67.00} this account are fraudulent open by someone who stolen my identity, to obtain credit and services
Complaint sub-issue: Personal information incorrect

On XX/XX/21 I disputed two inquires from XXXX XXXX XXXX XXXX on my Equifax credit report, Equifax failed to demonstrate the mandated physical and verifiable proof of adequately achieved permissible purpose.
Complaint sub-issue: Attempted to collect wrong amount

I have made numerous attempts to fix this issue with XXXX with no effort from their end to fix the discrepancy from their end. It took a month for the company to finally cancel our services after numerous attempts from our end to cancel along with a series of misrepresentation from their representatives. They also billed us double without a justifiable reason. I refuse to pay {$730.00} when we really should only owe {$250.00} according to my calculations. XXXX also felt the need to threaten to levy our bank accounts without having even obtained judgement. Another violation on top of that, they continued to harass me for this inaccurate bill after I sent a request for them to cease and desist communication. To my understanding this is a violation of the FDCPA and should be taken very seriously.
Complaint sub-issue: Reporting company used your report improperly

1.I recently had a fraud alert placed to my account. I was told when I added the fraud alert it would keep companies from running my credit with out my consent and extra verification would be needed to obtain my credit report. That was told to me I pulled my credit report and I immediately called the credit reporting agency I was then told to file a report with FTC and this will be investigated. I was then asked what inquires was I disputing and if I could fax the information. I faxed the information and mailed the information and told again today that they have not received anything even though certified mailed said all my papers were delivered and I also have the fax conformation. 

2. I recently sent in the agreement that was reached by me and certain creditors, I am not taking responsibility for the debt me and the company simply negotiated a agreement in writing that was also sent to the credit bureaus. Still they are stating either they did not receive my paperwork. 

3 A address that is listed on my credit bureau file is the address to a bank. These companies are lying when they say they are investigating because if they were they would have known that.
Complaint sub-issue: Didn't receive enough information to verify debt

To Whom It May Concern, The reason for my dispute is ENHANCED RECOVERY COMPANY # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ENHANCED RECOVERY COMPANY # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ENHANCED RECOVERY  COMPANY failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation ENHANCED RECOVERY COMPANY is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where ENHANCED RECOVERY COMPANY is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.ENHANCED RECOVERY COMPANY has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
Complaint sub-issue: Debt was result of identity theft

There is a debt collection agency entitled NAR Inc appearing on my credit report that is significantly hurting my credit score. This charge showed up as a result of identity theft which has been verified by both the credit agency and NAR. NAR has indicated that I do not owe them any money but have not removed the account from my credit file which is impacting me significantly.
Complaint sub-issue: Trouble with how payments are being handled

Through a series of complicated, opaque consolidations, and an application for Public Service Loan Forgiveness, I ended up with a large amount of student debt serviced by XXXX XXXX. ( {$100000.00} total, spanning undergraduate, XXXX XXXX, and XXXX study. ) I applied for Public Service Loan Forgiveness in XX/XX/XXXX/XX/XX/XXXX, shortly after I began a full-time position at XXXX XXXX, a qualifying XXXX XXXX  institution for Public Service Loan Forgiveness. I received an acknowledgement that I was approved for PSLF. I worked at XXXX until XX/XX/XXXX, when I left in preparation for a new XXXX  position at XXXX XXXX. I have been at XXXX since XX/XX/XXXX. 

According to my XXXX  account statement, I began making payments toward my balance in XX/XX/XXXX. ( I completed my XXXX  in XX/XX/XXXX, so I assume the gap is due to a repayment grace period. ) During the next year and a half I continued to make payments on time. For the month of XX/XX/XXXX I was officially unemployed, as my post at XXXX XXXX   began in early XX/XX/XXXX, but I continued making loan payments.

I have been sending repeated inquiries to XXXX to determine whether I am still enrolled in Public Service Loan Forgiveness and how many qualifying payments I've made. I have received cut-and-pasted responses to most of my inquiries since XX/XX/XXXX. ( They did finally confirm, on XX/XX/XXXX, that XXXX XXXX  counts as a PSLF-qualifying institution. ) I contacted them in XX/XX/XXXX to request that they remove paid-ahead status from my account, which seems to be the same tactic they have used to effectively remove payers from the PSLF payment scheme. I had never requested that my account be placed in " paid ahead '' status and do not understand why this was done. XXXX claimed that some of my payments did not qualify for PSLF for this reason. 

All I'm requesting is that XXXX  accept all of my payments since XX/XX/XXXX as qualifying PSLF payments. I'm aware of the class-action suit against them and don't want to be another victim of their predatory practices.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX, XXXX, XXXX Bank 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: Right to dispute notice not received

On XXXX XXXX, XXXX I was served with a civil warrant with a court date of XXXX XXXX, XXXX from XXXX XXXX XXXX XXXX XXXX on behalf of Jefferson Capital Systems LLC ( Original Creditor is : XXXX ). After several failed attempts to contact Jefferson Capital Systems LLC by telephone, on XXXX XXXX, XXXX I filed a complaint with the XXXX trying to collect information on the account before I had to appear in court. On the night of XXXX XXXX, XXXX they replied to the complaint where I did n't receive access to any documents from them to verify the account until XXXX XXXX, XXXX AFTER my court appearance. Therefore, not only did Jefferson Capital Systems LLC never provided me with any information regarding the account before they filed the suit against me but they also did n't give me adequate time to verify the account information before the account was turned over to the attorney 's office. I also believe that Jefferson Capital Systems LLC is reporting false and inaccurate information on my credit report. The account number they show on my credit report does not match the account number they filed the suit against me on but the original creditor 's balance and dates match my credit reports prior to XXXX/XXXX/XXXX. I do n't have my credit report for XXXX & XXXX that date could actually be an earlier date. They are reporting a opening date of XXXX and the original date the account was open was XXXX XXXX. They are also reporting from XXXX XXXX XXXX XXXX a monthly payment of {$33.00} that I have n't paid. The last payment I made was on XXXX/XXXX/XXXX of {$33.00} which is reflected on the Statement of Account Activity that they provided to me after my court date. Additionally the balance on the suit filed is : {$940.00} which reflects the balance on XXXX statement dated XXXX/XXXX/XXXX and continued at that balance until XXXX XXXX at which time Jefferson Capital Systems LLC increased the balance to {$1100.00} which was after they turned the account over to the attorney to have the suit was filed against me in XXXX XXXX.
Complaint sub-issue: Account information incorrect

i XXXX XXXX entered into a consumer credit transaction with XXXX several years ago. A consumer transaction that i never gave any written consent to report anything on my consumer report.
Complaint sub-issue: Debt is not yours

Following a visit to an ER I received collection notices from a company called XXXX XXXXXXXX. I advised them via phone and a mailed written letter that the debt that they allege is mine is not mine. They continued to harass me via phone for several months following my dispute of this debt. I made a point of sending my written dispute within the 30 day period as required under the FCRA legislation. They did not care and proceeded to hit my credit report with a negative report. 

I guess both written and verbal disputes that are received from the public are ignored by Americollect. Please assist me with cleaning up this matter.
Complaint sub-issue: Confusing or misleading advertising about the credit card

On numerous occasions I was pre Approved for a credit card & then denied once I ran the application. The app with misleading information was credit karma. It is still offering loans and cards pre approved but they are not that.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed a bankruptcy that was not mine for the last 2 yrs.. it was removed and put back on when it was not verified. As i continued to dispute they stated it was verified and would not let me continue to dispute
Complaint sub-issue: You told them to stop contacting you, but they keep trying

They had my parents number, which I have not lived with my parents in over a decade. My mom told them the first time that I didnt live there, and they called 3 more times. When I finally called today and explained what was happening, XXXX told me that didnt happen and no one called my parents house more than once. My mom took a message each time. They were very rude and dismissive.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX turned me in to a collection debt company and I have signed an agreement to pay them XXXX a month. 
I mailed a check and sent it back to their lawyer office and just today they labeled me as an uncollected and loss to the company to XXXX. It lowered my credit score. What can I do to get it removed since I already started to pay it off with Rodenburg law firm.