Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

AMERICOLLECT INC Reported : XXXX XXXX, 2021 {$1000.00} There are no contracts, no valid claims ... account was settled original with creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Complaint sub-issue: Old information reappears or never goes away

XXXX has 7 hard inquiries on out XXXX, XXXX, and Equifax credit reports for an attempt to finance an auto loan. According to the FCRA, these should not all be listed as hard inquiries and are related to a single attempt to get financing. They should be removed from the report as they are impacting my credit score.
Complaint sub-issue: Company closed your account

Ally Bank, via a letter to my XXXX XXXX XXXX surreptitiously closed both my checking and savings accounts ... in the middle of paying my property taxes, in the middle of finally receiving my {$1200.00} stimulus payment, in the middle of paying bills, in the middle of receiving an unemployment payment, and in the middle of transferring money to bolster my checking account. All this " financial movement '' was simply cut off by Ally Bank for not conforming to Section 35 of their deposit agreement. Oddly, this comes at a time when XXXX made me fight for 45 days for a defective product refund via an XXXX purchase. In my mind, Ally Bank and XXXX colluded in an effort to punish me, for forcing XXXX to go into their pocket for a horrible & dishonest XXXX seller. XXXX as usual is " double dipping '' and easily culpable in this scenario too. Without doubt, this was a reckless act during Covid19 by all three parties. When you read Section 35 of the Ally Bank deposit agreement, nothing in the text pertains to ANY issue I've ever had & was used by Ally Bank as a false pretext to close my accounts. I mentioned to Ally customer service that I saw case law regarding this same issue & my account was promptly closed. I saved all emails from Ally Customer service.
Complaint sub-issue: Frequent or repeated calls

Call from " Discover '' from XXXX on XX/XX/2022, followed by repeated calls from " Discover '' from XXXX asking for a " XXXX XXXX '' who is not at my number. Calls and voicemails on weekdays from XX/XX/XXXX to today. Internet search mentioned debt collection scam from this number so calls have not been returned. I have never had a Discover card or account.
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Citi Bank for the past year has charged my checking/Savings accounts a monthly fee when all accounts had a combined total that was higher than what Citi Bank stated for " FeeFree ''. Citi Bank did not return the money that they illegally took from my accounts.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Student Loans falled under XXXX XXXX XXXX XXXX XXXX   Program all loans were paid in full by Government and President Trump 's new Forgiveness Program for military Veterans. 
XX/XX/XXXX called IRS and US Treasury XX/XX/XXXX called Department of Education XX/XX/XXXX called XXXX  XX/XX/XXXX called Fed Loans And continue to called untill XX/XX/XXXX and still nothing has been done.

Remove Immediately Fed Loans Department of Education loans On all 3 credit reports and listed 6 different areas, this caused me to become XXXX
Complaint sub-issue: Debt is not yours

WELL PNC BANK IS REPORTING A NEGATIVE ACCOUNT ON MY CREDIT REPORT WITCH ACCOUNT VIOLETS THE FCRA
Complaint sub-issue: Information is missing that should be on the report

On XX/XX/XXXX, I received an alert from my paid credit monitoring service ( XXXX XXXX ), that informed me of changes to my credit score and/or report. Upon review of my credit report from all three credit reporting agencies ( XXXX, XXXX, Equifax ), I was alarmed to find my credit score dropped over 100 points ( from XXXX down to XXXX ) without any reasonable cause for the points drop! I could not find any new derogatory tradelines or accounts or inquiries that would have contributed to the adverse effect to my credit score? There was only one newly added account which is a credit card. That account is in good standing and current according to my credit report as of this date. Therefore, I do not understand how such a negative change to my credit score has occurred, since there was no new derogatory information added to my report? The accounts I currently have in collection, have been there since XXXX, and my credit score has gradually been improving as my credit report shows. I honestly believe someone at the credit bureaus has entered inaccurate or false information, or has unjustly altered my credit score to reflect a 100 point drop from my previous score as evidenced by my credit reporting services, score tracker on XX/XX/XXXX. I have snapshots of my previous scores as well as my credit report for proof of my claim. Please help!!! Thank you!
Complaint sub-issue: Problem with rewards from credit card

Hello, on XX/XX/XXXX I made a payment to XXXX XXXX for {$1000.00} using my new PNC Cash Rewards card. The purchase was meant to meet the {$1000.00} requirement within the first 3 billing cycles to receive a {$100.00} cash back rewards offer. I also assumed that the {$1000.00} would get a 1 % kickback ( on normal rewards ). I noticed that the rewards had n't posted to my account, so I called PNC. A representative advised that my {$1000.00} purchase did n't qualify for the rewards, which I contested. I was then sent to a supervisor, who also refused to work with me. When I mentioned that I was going to file a CFPB complaint, he escalated me to XXXX in the escalations department. XXXX advised me that he would advocate on my behalf and work towards making an " exception '' for my {$1000.00} purchase ( he made no promises ). He also gave me his phone number, XXXX, and told me he would follow up with me shortly. Well, it 's 15 days later, XX/XX/XXXX, and I have n't heard back. I 've called him several times and left him several messages, and have not received a return call. My {$100.00} reward still has not posted. I 've used other cards for a similar purchase and have never had an issue in the past. I read the terms for the rewards and my purchase does not fall under any restrictions. PNC has their merchant code flagged incorrectly. All around, this has been a very bad experience with PNC.
Complaint sub-issue: Public record

I HAVE REPORTED TO THE CREDIT REPORTING AGENCY 'S THAT I WANT TO HAVE MY BANKRUPTCY 'S REMOVED DUE TO THE FCRA SECTION 1681 A SECTION 5 YOU MUST DELETE MY BANKRUPTCY 'S FROM MY REPORT DUE TO THE FACT THAT IT IS A CASE THAT NEVER TOOK PLACE AND THAT WAS ALREADY ADJUDICATED IT IS DEEMED NONEXISTENT ALL CASES IN WHICH ARE ON MY REPORTS THESE CASES THAT WHERE NEVER FILED AND OR ADJUDICATED SO I WANT THEM REMOVED BY THE COMPANY
Complaint sub-issue: Investigation took more than 30 days

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection of XXXX XXXX  XXXX. I was abroad because I am active military and I am on duty. This is a violation according to 15 USC Section 1692a. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged collection. I have even requested documents to be provided to prove that the payments were indeed in the collection. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesn't this go against the FCRA Laws?
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am writing to delete the following information on my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my credBy the previsions of the Fair Credit Reporting Act 15 U.S.C 1681 ( L ) A consumer reporting agency can only furnish something in accordant with the written instructions of the consumer to whom it relates too.t report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items immediately.
Complaint sub-issue: Debt was paid

On the month of XXXX, a collection agency IC systems started reporting an open credit of {$290.00} from XXXX XXXX XXXX. This company has come out of nowhere and damaged my report for a service I havent had in years. Also, back in 2015 I paid XXXX XXXX off in full. Its been almost 3 years since I had service with XXXX XXXX and when I did have service they were paid in FULL. I return all equipment back to them the year of XX/XX/2015. All of my debt has been settled with this company years ago. I have never had an account with IC systems ever and they are damaging my credit. Also, this company is false reporting things to XXXX. This account does not show on any other credit bureau but XXXX   because it is false. I called this company multiple times between XXXX and XXXX, and spoke with representatives but no one can tell me why this account appeared. Also, this company has never sent me a statement saying why I owe this amount of money. This is effecting me with potential job opportunities and my current job with the city. Its also making my credit score lower as well which it hard for me to finance a new home and other things. I never had a debt with this company, and dont know how it came about. If this agency continues to report negative inquires on my report, I will file a civil lawsuit on this company. I will be contacting a lawyer to help me with this issue if its not settled.
Complaint sub-issue: Sent card you never applied for

On XX/XX/2018 I applied for a credit card online with US Bank. I requested a credit limit of {$18000.00}. In addition I was requesting a balance transfer of {$17000.00} from another credit card. Both a credit limit and whether I wanted to initiate a balance transfer with the dollar amount were fields on their online application. Approximately 2 weeks later I received in the mail a credit card with a credit limit of {$1800.00}. I called their Customer Service lime and and was notified this was a system generated credit limit and if I wanted to be reconsidered for a higher amount that another credit inquiry was needed. I called numerous people within the organization to get this rectified but to no avail. One of their own Head Underwriters considered their system flawed. I eventually got in touch with the Office of the President and one of their reps contacted me and said she would call me back after she got my side of the situation. She never returned any of my numerous phone messages and then her number eventually just kept ringing - her voice mail never picked up again. This was after me leaving her messages for 3 weeks straight. Very unprofessional for such a large Bank. And thats where it ended - no way to get a hold of anyone.
Complaint sub-issue: Account information incorrect

I initially contacted the credit bureau by mail XX/XX/20 to inform them that there were inquiries on my credit report that did not belong. I have not received any information as to why they are still reporting but I am being negatively impacted by these inquiries. I have sent another letter to the bureaus on XX/XX/20 to dispute these inquires again to have them removed.
Complaint sub-issue: Account information incorrect

Equifax has not updated accounts and are incorrectly reporting closed accounts as open, and are incorrectly reporting revolving balances that were paid down. As a result, my credit utilization being reported way higher than in actuality and my credit score is being drastically affected as a result of this misreporting and failure to update.
Complaint sub-issue: Their investigation did not fix an error on your report

I am submitting this complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular items in question. Under the FCRA 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 correct : XXXX XXXX XXXX XXXXXXXX Balance : {$100000.00} XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Deposits and withdrawals

While I was incarcerated my home was broken into. My credit karma debit card was stolen from my home and was used to make purchases that were not Authorized by me. I had filed dispute with credit karma spend and was never given a provisional credit like they said they would by the XXXX day. On the XXXX th day my disputes were denied, how they did their investigation to come to that conclusion is beyond me. I filed an appeal to have disputes reviewed and was denied again. I was told that I was a liar and I wasn't incarcerated like I said I was. That they contacted the place I said I was incarcerated at and they told them there was no record of me being there.. which is probably true they wouldn't have no record because I had my record sealed/expunged. Unless there is a court order credit karma spend can not see or ask about me bring incarcerated. I sent them everything they needed to see about my where abouts. I still have my paperwork from when I was incarcerated so I can show anyone I would like to.. I just want my money back that I didn't authorize. Also I would like the merchant to prove I was the one who authorized these transactions.
Complaint sub-issue: Information belongs to someone else

id theft victim accounts opened XXXX XXXX XXXX XXXX XXXX XXXX i need a letter of validation sent to me please from these creditors rental application with my ssn on it, Dl and any other information i am attaching my id theft report along with proper id and ssn this is fraud
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

This company is texting me telling me I have an outstanding warrant and when I click on the website, it is a lawfirm for a collection agency.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I, XXXX XXXX, under the penalty of perjury certify and affirm that all forthcoming statements are true. Equifax is violating my federally protected rights per 15 USC 1681 by reporting inaccurate incomplete and fraudulent information to my credit report that is being furnished by unauthorized and predatory 3rd party companies. I have been disputing these accounts as fraud since XX/XX/XXXX. I have yet as of XX/XX/XXXX received any proof of permissible purpose for reporting these fraudulent accounts. Every time I write to or call equifax they claim information being reported has been validated but I have yet to receive any documentary evidence that supports the permissible purpose of this information being reported or furnished on my equifax credit report which not only violates the FCRA but also the FDCPA per 15 USC 1692. If the companies furnishing these accounts to equifax are not able to provide debt validation or proof that they are the original holder of the note of indebtedness that legally allows them to still be able to collect or retain the debt, then the accounts shall be deleted immediately. Equifax seems to lack impartiality as they have been claiming for over a year that these debts have been validated without permissible purpose or evidence because they are gaining financially from these unauthorized third-party companies who pay Equifax to report fraudulent consumer credit transaction history. Please see attached notarized identity theft complaint and affidavit, identification documents such as NJ issued driver 's license and my current insurance bill, as well as all police reports, FTC identity theft and fraud complaints, and CFPB complaints that have been received by equifax and all unauthorized 3rd parties listed in the notarized affidavit and complaint.
Complaint sub-issue: Information belongs to someone else

This Account Needs to be off My credit. I did not Authorize this Account I was a victim of identity Theft Attached is a police report stating what happen to my identity someone stole my laptop with all of my personal Information any many other Items which give them access to all of my personal Information
Complaint sub-issue: Attempted to collect wrong amount

When I enroll in this program with XXXX XXXX XXXX, I was never told that the debt settlement program that I was enrolling in would not pay my credit card obligations. They made false representation and I was under the impression that they were paying for my credit cards. However, they did not pay my credit cards and let them go into default. They then settled my credit card debts after the fact. This hurt my credit score. In addition, I have paid a total of {$33000.00} since XXXX This company is demanding that I pay an additional {$26000.00} more so they can continue to make payments towards my credit card debts. This is not true! I called all my credit cards and they all told me my debts have been paid and settled. I would like this company to refund the fees they charge me.
Complaint sub-issue: Their investigation did not fix an error on your report

Credit reporting agencies are reporting inaccurate and unsubstantiated information on my credit report. They are reporting a bankruptcy which is inaccurate and unsubstantiated. I would like to know who provided any information of a bankruptcy. I have a letter from the bankruptcy court stating that they do not provide any information to any credit reporting agency regarding bankruptcies. I demand that XXXX, XXXX, Equifax and XXXX XXXX provide the name, date and contact information of the individual who was spoken to and if they don't provide this information, they must remove this information from my report. This is a clear violation of 15 USC 1692 and 15 USC 1681.
Complaint sub-issue: Debt is not yours

I am putting this company on notice. Just recently this collection agency placed a collection account which belonged to another family member on my credit bureau profile. When trying to speak to them they would not speak to me because it was not my account, I did not open this. It belonged to my now deceased mother. 

It is despicable that companies such as AFNI exist and poison the credit reports of millions of innocent consumers nationwide. 

On XX/XX/2018, AFNI reported that I opened an account on XX/XX/2018 for XXXX that was placed for collection with a balance of {$790.00}. 

I do not now, nor have I ever had a XXXX account. My credit rating is illegally being harmed by the actions of AFNI.
Complaint sub-issue: Debt was result of identity theft

To whom it may concern, I pulled a recent credit report XX/XX/XXXX that showed fraudulent accounts listed. I'm not sure how my credit was compromised. I can only assumed this happened back in XX/XX/XXXX based on the oldest account listed on my credit report. Somehow, someone was able to gain access to my personal credentials. 

I was instructed by the major credit bureaus to file a police report and to put a freeze on my credit reports.
Complaint sub-issue: Information belongs to someone else

I sent the burea a letter stating that my information is incorrect and that I had fraudulent activities and someone been putting bills in my name its been over 45 days since I sent the letter.