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

In XXXX of XXXX, I signed a lease agreement with XXXX XXXX XXXX XXXX. This is an off campus apartment complex for college students who attend XXXX XXXX XXXX. When I signed this lease, I fully anticipated to be living there for the full term of the lease which was from XXXX XXXX XX/XX/XXXX. However, as you may know, there was a world wide pandemic that arose rapidly and was the cause of many deaths globally. This pandemic not only caused many deaths, but it also was the reason for world-wide shut-downs, unemployment, evictions, etc. With this disease widely threatening the population of the globe, XXXX took initiative to continue classes fully remote and shut down the in-person functions of the school. When I was aware of the university 's decision, I immediately contacted the leasing office and was told that there would be accommodations made for students who had signed this deceitful lease agreement. Months after speaking to one of the office managers over the phone, I followed up with the management again and had no luck in reaching anyone to answer my questions about the pandemic. When I was finally contacted, I was told that I would be responsible for the full amount of the lease. I found this to be extremely unjust, but was willing to negotiate with this apartment complex in order to fulfill the terms of the lease. I offered to pay up to 6 months rent in order to break the contract, and even offered to postpone my move in date until the school resumed in-person classes ; they did not accept any if these options. Recently, the apartment office sold the debt to PROCOLLECT. Upon receiving the notice of this transaction, I quickly disputed it as it was stated to do so if I disagreed with the debt in the collections notice letter. However, instead of conducting an investigation, the debt collectors reported it to the credit bureaus and it has severely impacted my credit score. I have disputed this collections account on all impacted credit bureaus and XXXX still finds this debt to be valid while XXXX has completely removed this report. I have contacted a lawyer and am in the process of sending PROCOLLECT and The ONE a demand letter to have this debt removed, or to come to some sort of agreement in order to remove this report from my credit history. The pandemic was an act of XXXX, or vis majeure clause, and could not have been predicted. This clause explains that in the events that are beyond the control of the party invoking the clause cause performance to become impossible or impractical or otherwise frustrates the purpose of the contract. In addition, PRO COLLECT violated the The Fair Credit Reporting Act, 15 U.S.C. 1681 by failing to handle the dispute I submitted in a timely manner. Not only this, but this collections agency has failed to send notifications about my credit report. With all this given information, and the advice given to me by my lawyer, I believe that this situation should be reviewed and reported because of the violations that have occurred.
Complaint sub-issue: Debt was paid

I have not had a XXXX account since probably 2012. When I closed my account and changed providers I owed them nothing, and have heard nothing since. Today I received a letter from Jefferson Capital stating I owe {$270.00} ; when I called I got put on hold and disconnected 3x.
Complaint sub-issue: Investigation took more than 30 days

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 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: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding inaccurate and unknown information that have been put on my credit report. It is nearing 60 days and I have not received a response yet. It seems as though I am being taking advantage of and that my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to remove these items immediately, we are approaching 60 days. I have pointed out and showed proof of this inaccurate information and there is nothing being done. I would like for you to delete these items promptly or I will be filing litigation because of the stress you have caused me. My information was also compromised by the Equifax data breach which has also have me worried and stressed out that someone has had access to my personal information.
Complaint sub-issue: Reporting company used your report improperly

EQUIFAX is in violation of violating consent and my privacy in distributing unauthorized and incorrect information on my behalf. They have been unfair, partial and irresponsible with my personal information that was not authorized by me. 
In fact, after reading recent congressional findings EQUIFAX has demonstrated that they are in fact representing themselves as a financial institution by association. In turn they have been irresponsible with my personal information and it was redistributed with out my consent and involved XXXX a breach. 
I demand that they cease and desist any further unauthorized distribution of my personal information. It continues to damage my ability to conduct my personal and financial business.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act, the list of accounts and inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Accounts 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 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 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 XXXX XXXX XXXX  These have violated my rights. 

15 U.S.C. 1681 section 602 A States that I have a right to privacy.

15 U.S.C. 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) states no consumer reporting agency may publish any 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 ) states that 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: Debt was paid

I paid a dept in full and was told that I would receive a written confirmation that the payment was made. After not receiving the confirmation, I have contacted the collection agency numerous times ; they promise to send the confirmation but never do so. Without it, I am fearful that this debt may remain on my credit report. I am also waiting for a loan to be approved from a XXXX XXXX and they will not process the loan until they receive a copy of the written confirmation. I have no confidence that the collection agency will provide me with this document unless they are compelled to do so.
Complaint sub-issue: Information belongs to someone else

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Complaint sub-issue: Information is missing that should be on the report

On XXXX XXXX I made contact with XXXX XXXX XXXX XXXX, XXXX and spoke with Rep over a pre-recorded phone conversation and I respectfully why my Tradeline of XXXX XXXX account # XXXX is not been reported with XXXX and Equifax as of XX/XX/XXXX till Present. 
Rep stated that Manager has to look into it and I need to provide a credit report. 
All XXXX XXXX has to do is communicate with XXXX and Equifax and add my Tradeline with them. 
XXXX XXXX Trade Line is only showing on XXXX Credit Report.. 

I have been making timely payments of {$40.00} a month from XX/XX/XXXX till Present. 

There is a Derogatory Remarks of XXXX days that needs to be remove as this credit trade line was reaffirmed in XXXX XXXX on XX/XX/XXXX Bankruptcy XXXXr XXXX and Bankruptcy was discharged on XX/XX/XXXX with XXXX, XXXX  XXXX XXXX. 
I am respectfully Retired and XXXX Lifetime and a XXXX XXXX XXXX XXXX Veteran.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2020 I sent a letter to Macys for acct XXXX asking them to send me proof of signed agreement and/ or payment histroy. 

I received a letter in the mail from them stating that they information they reported was correct. They verified the information to the bureau but did not send me what I asked for to verify it to me.
Complaint sub-issue: Account status incorrect

I have checked my report and verified accounts that I am not aware of, As per 15 US Code 1681e ( b ) Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Below are the accounts appearing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Need information about your loan balance or loan terms

I am trying to determine whether or not my student loans will be forgiven. I am a XXXX employee and I have my ten years of service. I have been trying to get my service provider to make a determination as to whether my payments will be counted toward forgiveness. Twice, they've told me they will review my case and get back to me. They have failed to do so as of this date ( XXXX-XXXX-18 ). Six months, this has been going on. I just need to know if my loan will eventually be forgiven. They also implored me to participate in the income based repayment plan which actually caused my monthly payment to go up by {$20.00}. Please help.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent multiple disputes to both Equifax, XXXX and XXXX in which XXXX and Equifax are reporting duplicate accounts with different open dates, and balances which is significantly damaging my credit history. These accounts were disputed and also copies of the credit report were sent into to them as well. I asked them for proof that the company even responded to them and for proof of what was used to determine this information was verified as accurate and I have yet to get that information. 

XXXX continues to report inaccurate, unverifiable information as well.
Complaint sub-issue: Debt was paid

I have been trying to dispute the fact that a closed child support case hasn't been removed from my report and is well over 10 years ( closed XX/XX/2009 ). Equifax is refusing to remove it and it is tarnishing my credit making it hard for me to improve my credit and purchase a home. 

ATTACHMENTS : *Letter from child support about closure. Its on the last line where they state case number. It matches up to the Equifax report account. 

*Equifax report ( page 20-21 is the account ) *Dispute results from Equifax
Complaint sub-issue: Didn't receive enough information to verify debt

Jefferson Capital I will not pay this account, you are here by ordered to { cease and desist } any and all communications with everyone or companies but my self in writing only .No communications to anyone about any and all debt you state you have against me. THIS IS A OFFICAL NOTICE I never gave you any permission to publicize my personal information to anyone or company credit reporting companies no one
Complaint sub-issue: Was not notified of investigation status or results

I have not received anything from Equifax about this bankruptcy dispute. I have a previous complaint through CFPB that Equifax has yet to send any results of investigation. It's over 30 days and nothing. Absolutely nothing! It's now been over 30 days and not response. I sent over the proof that their data furnisher XXXX found the bankruptcy to be unverifiable so why have they not reinvestigated and deleted this erroneous account. This is a constant issue with Equifax. They do not bother responding and Equifax is in violation! 

Account : XXXX XXXX Reference # : XXXX
Complaint sub-issue: Account terms

Equifax refuses to adjust the account with State of Oregon Child Support, account # XXXX, from what is currently showing as a monthly payment amount of {$2800.00} to {$0.00}. The correct monthly payment amount is {$0.00}. Equifax claims that it has verified the monthly payment amount, but this is not so. The correct monthly payment amount is {$0.00}, and not XXXXXXXX has refused three times to correct this. See below, which I have cut and pasted from the State of Oregon Child Support Payment History web page : Payment History Log Out Print this page Help : Case Status Definitions Help : Case Status Definitions Obligee : XXXX, XXXX XXXX Obligor : XXXX, XXXX XXXX Case Number : XXXX Court-Ordered Amount : {$0.00} Case Balance : {$1200.00} If you were expecting a tax payment and have not received it, go to Holding Tax Payments. 

If you are a title or escrow company, please contact the Program 's Title and Escrow Assistance Desk for the total owed on a case. 

Pending Payments : {$0.00} Enforceable Balance : {$1200.00} Status : Judgment Office Information : DIVISION OF CHILD SUPPORT XXXX XXXX XXXX XXXX # XXXX XXXX, OR XXXX XXXX
Complaint sub-issue: Information belongs to someone else

After I reviewed my credit report, I am still seeing information that is reporting on my credit file that is not mine. Please help me in getting these items removed from my credit file : XXXX is reporting my name incorrectly and misspelled : XXXX, XXXX XXXX and XXXX is spelled incorrectly. the correct spelling is XXXX. 

The following are incorrect addresses : XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX Also the following accounts are not mine. I do not know how anyone was able to access my personal information to open these accounts : 1. XXXX XXXX reporting on XXXX ; bal : {$11000.00} 2. XXXX XXXX reporting on XXXX, XXXX, and Equifax ) ; Bal : {$500.00} The following are unauthorized inquiries : XXXX XXXX XXXX XXXX - 2 Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - 13 Times XXXX XXXX XXXX  XXXX 2 Times XXXX XXXX XXXX XXXX XXXX XXXX 4 Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2 Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - 2 Times XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

After reviewing my credit report on Equifax, XXXX  and XXXX, i noticed that there is a unauthorized inquiry on all three credit bureaus. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 
INQUIRY DETAILS : XXXX XXXX XXXX Date : XX/XX/2019
Complaint sub-issue: Deposits and withdrawals

I have a had a credit card with Citi for quite some time ( around a year ) without issue. I recently opened a checking and savings account and connected it to my credit card, the idea being to have all of my money in the same place. 

I made two small deposits, around {$1000.00}, initially in order to set up my account. Seeing that these went through I then cashed a check from my job and also transferred {$10000.00} from my previous bank. 

At this point both my checking and saving 's accounts were blocked, I assume as they were flagged for fraud. I tried to get in contact with the fraud department, but was left on hold for 3 hours. This was early XXXX. I did not receive any contact from Citi during this time. 

Today, the XXXX of XXXX, I attempted to log in to see if my accounts had been cleared yet. I was unable to login at all. I made another call to the fraud department and was able to get through after an hour. I was informed that my account had been scheduled for closure and that this may take up to 60 days. I asked for more information, but was told that I just had to wait for a letter to arrive. 

The associate was unable to tell me when the letter was sent, when it was likely to arrive or any other information about my account. I asked to speak with a supervisor and was informed that none were available. The associate did not confirm my address.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX, I received a credit file dated XX/XX/2022. The confirmation number is XXXX. I noticed fraudulent activity on my credit file. Equifax has allowed me to be subjected to fraud by allowing inquires that I did not benefit from to be reported on my consumer profile. According 18 USC 1028A these companies obtained and disclosed my credit report under false and fraudulent pretenses which constitutes identify theft. This type of activity is in violation of 15 USC 1642, USC 1681m, 12 CFR 1001 because I, the consumer, made an application in good faith, but no credit was issued. Furthermore, my social security was used and I received no benefit. This is proof of fraudulent activity unauthorized use of my credit card by the inquiries on my credit report.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Account information incorrect

On my XXXX  & Equifax reports for the XXXX XXXX XXXX XXXX ending in XXXX for orig amt {$8500.00}, 90 day late is being reported for XX/XX/XXXX, but the loan, along with all of my other loans with them, was paid in full through consolidation on XXXX  XXXX, XXXX. Late payment being reported is after date loan was paid in full. Please remove late payment for time period nothing was owed because you were already paid off.
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXXXXXX MD XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 
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 an open end consumer credit plan as late for and purpose.
Complaint sub-issue: Debt is not yours

The collections account stated XX/XX/2019 XX/XX/2019 XX/XX/2019 my birthdate and social security number to open a fradulent medical account with medical health accounts. 

{$770.00} {$980.00} {$160.00}