Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

I received a notice in the mail offering to settle on a debt and that failure to do so would result in account being sent to a 3rd party collection agency ( the letter came from a 3rd party collection agency ). I called to ask what this was about and was told it was for a debt that happened in XXXX. I told her this was paid in full a long time ago ( in XXXX ) and asked her why I was just being notified about this. She asked if I had a receipt I told her no its been XXXX  years since I paid this, she told me without proof this was a valid debt so I must have paid some thing else. I told her I disputed this as has been paid and I would not be paying it and she told me thats fine her client told her to move forward with a judgement. So even if this had not been paid ( which it has ) this debt is XXXX  years old why are they threatening to file a lawsuit on me? Also I know it was paid as I had to pay it in order to get it removed from XXXX XXXXnd I was unable to get a bank account until it was paid. It was also taken off my credit report when I paid it.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

On XX/XX/2019 I received a letter from MRS BPO regarding a debt to XXXX which I do not believe I owe. I responded, in writing, on XX/XX/XXXX to dispute the debt and to request that MRS BPO cease phoning me and communicate with me only in writing. To date I have received no written response or documentation to validate the debt or respond to my dispute but MRS BPO continues to make multiple calls to my cell phone.
Complaint sub-issue: Investigation took more than 30 days

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

FOR EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account status incorrect

INACCURATE INFORMATION ON CREDIT REPORT. XXXX XXXX ACCOUNT HAS BEEN PAID IN FULL {$1200.00}. THIS IS FTC VIOLATION
Complaint sub-issue: Attempted to collect wrong amount

I have tried several times to have Equifax and XXXX   correct and erase wrong debt and information corrected on my credit report and each time they have not. XXXX XXXX XXXX  has tried to pass of old debt as new. They bought a debt thats past 7 years old by XXXX and is no longer on my credit report and made it new. Same with a car loan that was a charge off they reported it as a new account in XX/XX/2019 which is false and they have submitted the wrong amount owed. The car was in an accident and the company cot insurance money towards the loan and also the car was released to them and they sold it and did not disclose that amount and remove that amount from debt. XXXX XXXX is going against my fair credit rights in reporting the accurate dates and amounts. Again XXXX is no longer on my credit report due to how old it is I have sent several complaints to XXXX  and Equifax they have done nothing to protect my rights and fix the inaccuracies
Complaint sub-issue: Reporting company used your report improperly

Mortgage lender XXXX XXXXXXXX performed a hard credit inquiry without my authorization. I specifically stated that I did not give consent to a hard inquiry and that I was shopping estimates. XXXX XXXX, NMLS ID : XXXX, assured me that it would only be a soft pull.
Complaint sub-issue: Was not notified of investigation status or results

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2020 I am not sure how this happened, I believe that I had set up automatic payments and did not opt-out to received my statements however for the past few months I haven't been receiving my statements so I am assuming that everything is fine since I have set up automatic payments for my account. My only thought is that due to this pandemic COVID-19 the world is experiencing right now I got caught up and wasn't able to double-check.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Information belongs to someone else

I was checking my credit report and I don't understand why I see that information on my account. I have no idea where did you get it. Its not mine.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2021, a derogatory remark was placed on my credit by XXXX XXXX through IC Systems. I was not contacted about this. I had no idea. 

On XX/XX/2021, I noticed that XXXX XXXX YET AGAIN sent an account under my name to another debt collection agency. I have previously disputed this same amount ( {$170.00} ) twice before, to which the account was removed from my credit. 

On XX/XX/2021, I contacted the debt collection agency via email requesting that they validate my debt. I have confirmation that the email was delivered to the Consumer Affairs division of the agency. 33 days later, and no communication has come from the debt collector.
Complaint sub-issue: Account status incorrect

I became delinquent on a private student loan through XXXX XXXX XXXX XXXX in XXXX and this resulted in a charge off of my account. The account was forwarded to a third party agency, XXXX XXXX, XXXX. I completed a settlement agreement with the agency for a total of {$8100.00} and a letter confirming the settlement was sent to me on XX/XX/XXXX. In XX/XX/XXXX, I discovered this was incorrect on my credit report and spoke to a XXXX XXXX representative and they informed me this would be corrected. On XX/XX/XXXX, my husband and I made the decision to review our credit reports and discovered the account was still reflecting as past due on both our Equifax and XXXX accounts, so we submitted disputes to both companies with a copy of the settlement letter. During the investigation, XXXX XXXX stated the information they were reporting was correct and even changed the transunion report to reflect as a full balance of {$9300.00} was due, but only on my husband, XXXX XXXX XXXX report. I reached out to the bureaus to discuss and they informed me they can only report what the company provides them, regardless if my document provided proves otherwise. I reached out to XXXX XXXX XXXX XXXX on XX/XX/XXXX and was informed they would investigate, but the account would reflect as open because it had become charged off, regardless of a settlement agreement. I disagreed with the representative and she informed me she would submit my account for review and return my call the following Monday, XX/XX/XXXX. I never received a phone call from the representative or XXXX XXXX.
Complaint sub-issue: Account status incorrect

I have disputed the findings and the company agreed to put the account in good standing as of XXXX XX/XX/2021 and to report to the credit agencies. It has been a month and a half without the credit agencies removing the negative remarks ...
Complaint sub-issue: Information belongs to someone else

XXXX Bank had hit me with a hard inquiry on XX/XX/2018. This was fraud and not authorized by me. When this came up on my XXXX XXXX I called XXXX and there customer service had said they would remove this hard inquiry since I did not apply for anything with there company.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : REGIONAL ACCEPTANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Complaint sub-issue: Can't close your account

It took me over an hour to close 2 accounts I had with Citibank. I could not believe the level of obstinacy I experienced trying to talk to three different individuals, one of whom said he was a supervisor who put me on hold for another 15 minutes when I asked to speak to HIS supervisor and then he came back on and said his supervisor was not available.

I am assuming that the two accounts are now closed but I can not be sure because the resistance and stalling tactics employed by all three reps I had the misfortune of trying to deal with was astounding. Continuously claiming to need further verification of my identity they put me on hold most of the hour and fifteen minutes of the call intermittently between ridiculous 'security ' checks. I would never have another card with Citibank and recommend that nobody else subject their selves to the obnoxiousness I encountered today, XX/XX/2022 between XXXX XXXX  and XXXX XXXX
Complaint sub-issue: Information belongs to someone else

These inaccurate accounts are reporting on my credit file : XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

Equifax has refused to accept an updated report on a balance from XXXX XXXX since XX/XX/2020. I already had to report Equifax for attempting to illegally block a legal name change. Now they will not accept updates on this account. Balance has been paid off and Equifax is refusing to be truthful on this matter.,
Complaint sub-issue: Account information incorrect

Dear sir/maam, I paid my XXXX XXXX XXXX XXXX credit card account ending in XXXX in full by settlement that XXXX XXXX XXXX XXXX offered me on XXXX XXXX XXXX. This account was opened in XXXX XXXX and last activity was XXXX XXXX. When I went to go by a home this year in XXXX I was shocked when my credit reported showed that XXXX XXXX XXXX XXXX Documented and wrote the debt off as a charge off ruining my credit for years without notifying me. Thus, I paid large amounts more money for all items that I purchased on credit like my family vehicles. This debt was never a charge off. I have requested twice that XXXX XXXX XXXX XXXX, XXXX, Equifax, and XXXX update my credit report by removing/changing the following by certified mail to no avail : Change any/all charge off codes to their algorithm, the status to be paid only, change balance to {$0.00}, change terms {$0.00}, account was not closed by Grantor request it was closed by my request when they took my money without notification, remove all the late dates, Remove the {$3200.00} written off as did not happen, there should be NO status of any charge off on my credit report. I would willfully volunteer to testify against XXXX XXXX XXXX XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

Since XX/XX/2018, the collection agency ( REMEX, XXXX ) did not tried to call doctor 's office to find out the right amount for the sevice date even though the doctor 's office gave the agency a wrong information and I called for 1 month. There is only 1 service for the same day. I faxed a copy of explanation of benefit to the collection agency. However, they asked a copy of explanation benefit about XXXX  dollar which is not existing and they sent me as a bill. During the call, they gave me a lot of stress by asking me of not - existing document repeatedly. I would like to report the agency vioates the consumer right law ( verbal abuse ).
Complaint sub-issue: Personal information incorrect

I would like for my credit file to be corrected.
Complaint sub-issue: Attempted to collect wrong amount

On my credit report it shows multiple open accounts by Alpine Credit. I attempted to contact this agency at which time they informed me that these accounts were at closed status, however Communications between reporting agencies and this company are not happening and my credit is suffering, I need to know how to go about removing these erroneous statements for my credit report showing as an open collection when they are actually closed, please inform me on what to do before I have to find or pay for an attorney if I do n't have to. 
Thank you, XXXX
Complaint sub-issue: Account status

I have filed a complaint with XXXX which stated my status was open. I complainted with the FTC They changed the status to XXXX to 120 days pass due. Then they replied to the FTC that the report has been updated. When they actual changed the status to collection.
Complaint sub-issue: Didn't receive enough information to verify debt

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Account # XXXX ( ALL 3 ) XXXX  ( XXXX  ) XXXX XXXX XXXX. XXXX, OH XXXX ( XXXX ) XXXX ( XXXX & XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX ( XXXX ) XXXX ACCOUNT # XXXX ( ALL 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ( XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX ( ALL 3 ) XXXX XXXX XXXX XXXX XXXX-one open-one closed ) XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX ACCOUNT # XXXX
Complaint sub-issue: Trouble getting information about the card

RE : XXXX XXXX XXXX XXXX Dear Sirs : I am writing this with assistance. I am XXXX and receive XXXX benefits on a XXXX  XXXX. I was locked out of my online account and needed my routing #. I called the company ( XXXX XXXX ) and their phone representatives. My complaint ( s ) are as follows : 1 ) I had to call 3 times to get an agent. There is no option on the menu to speak to a XXXX representative for online account for lock out, or problems not listed in their automated menu. 

2 ) It is very difficult to get a live agent to help resolve account issues. Their phone system will cut you off without warning, put you on hold for lengthy periods, representatives change unexpectedly. I had to use the " LOST OR STOLEN CARD '' feature to finally get live help.

2 ) While on the call to XXXX, I requested a good friend help with speaking to the representative and explain my complaint. Despite my authorizing this, the XXXX agent 's identified as " XXXX '' " ID # XXXX '' refused to speak directly with him. She was rude, hostile and uncooperative to him. Further she also threatened to not help me, unless my friend refrained in the background from assisting me. I am XXXX and have a XXXX XXXXXXXX. This representative talked too fast, and I have difficulty with instructions due to a XXXX  XXXX. Her attitude and conduct on the call was disturbing. Her refusal to allow me to have someone I authorized assist me during the call is denying me my rights under the XXXX XXXX XXXX. 

3 ) The XXXX website advertises help, including providing routing numbers and other basic information. A direct quote from their home page on XXXX : " We are a website dedicated to helping XXXX XXXX Card holders find information they need regarding their card, including account login information, customer service contact number, direct deposit and routing number information, and any relevant news about the ... '' This bank should allow XXXX XXXX or XXXX persons authorize others to help on their behalf with difficult problems. On their call menu, they should not be allowed to limit account access to customers by designing a menu that limits options and no option for live agent help during business hours when needed.
Complaint sub-issue: Problem during payment process

I CALLED DISCOVER CREDIT CUSTOMERS DEPARTMENT ON OR ABOUT THESE MONTHS. 
XX/XX/2021 THUR XX/XX/2021 I CALLED AND ASK IF I CAN MAKE A {$100.00} DOLLARS PAYMENT a week to pay down my balance due .. the agents told me no!!!!! AND I WAS TOLD NO BY 8 DIFFERENT CUSTOMER SECIVER AGENT. from my months of XXXX and thru XXXX ask to speak to a supervisor the same information apply. 
This is wrong how u treat you member DISCOVER THESE ARE THE TREAT THAT DISOCVER SEND TO EMAIL TO CUSTSOMERS ALL THE TIME 1. WE WILL CLOSED UR ACCOUNT 2. WE WILL NOT TAKE PAYMENT OF ANYTHING 3. WEILL NO ANSWER UR CALL WE WILL BLOCK ALL UR CALL TO DISCOVER.

4. DISOCVER WIL NOT HELP NOONE OF THEIR CUSTOMER REGARDLESS NEW OR PASS 5. DISCOVER WILL DELEBRATLY REJECTED PAYMENT FROM CUSTOMERS AND HOLD ALL THERE MONEY UNTIL THE FEEL LIKE APPYING IT TO THEIR ACCOUNT.

6. DISCOVER TOLD ME ON XXXX THEY DONT WANT ME TO PAY MY BILL ON A RECORED CALL AND THIS WOMAN STATED THAT AROUND OR ABOUT THAT TIMR.

7. DISCOVER PUT CUSTOMERS IN TRICK BAG SO THEY ARE UNABLE TO PAY THEIR BILL.

8. DISCOVER ALWAYS LIE TO THEIR CUSTOMER TO MAKE EXTRA MONEY ON THEM.

9. DISCOVER HAS ALWAYS SWEEP THEIR ISSUES UNDER A RUG AND PAY THEIR WAY OUT OF TROUBLE ALWAYS..
Complaint sub-issue: Their investigation did not fix an error on your report

These accounts in my credit file are from unauthorized use of my credit report. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this.
Complaint sub-issue: Account status incorrect

Hi, my name is XXXX XXXX and On XX/XX/XXXX XXXX XXXX   ran my credit without permission. Gateway Fncl needs to be removed as well because that case is closed. XXXX also needs to be removed
Complaint sub-issue: Debt is not yours

Opened XX/XX/2017 Amount {$1600.00} Account was not opened by me. Account was opened by family without my knowledge or approval
Complaint sub-issue: Investigation took more than 30 days

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. 

Here are the list of fraudulent inquiries on my report. 
XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Account information incorrect

On XX/XX/2017 I went into a dealership to get a car and used my credit card pursuant to 15 USC 1602 ( l ) making it a consumer credit transaction. The entire credit sale was complete at the signing of the instrument- ( 3-104 ( e ). ) I have noticed that on my credit report that XXXX XXXX XXXX is reporting late payments tarnishing my consumer credit report when the car was already paid for.
Complaint sub-issue: Information is not mine

I reviewed a copy of my credit report and the companies below ran an unauthorized credit inquiry on me on date provided. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX 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. Please contact each company and investigate such occurrence.
Complaint sub-issue: Personal information incorrect

I am trying to get a mortgage and my lender is saying that they can't pulled the credit report and to update my address to my current address. Equifax customer service stated that it will take up to 30 days for them to update my credit profile and I don't have 30 days as I need to update this ASAP.