Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Frequent or repeated calls

Company in question : ProCollect Inc, XXXX. XXXX XXXX XXXX, TX XXXX XXXX : ( XXXX ) XXXX I have been called continuously to provide credit/debit card information. I have been making payments through money orders and XXXX. This company had tried to collect a debt that I owe to an apartment complex. When first contacted about the debt by XXXX XXXX ext. XXXX, i was immediately asked to provide debit/credit card information to make payments on the amount owed. After I declined to provided said information, it was agreed upon that I would be able to make payments via money order or XXXX. On XXXX XXXX, 2015, I sent a money order in the amount of {$100.00} dollars which they received and cashed. 
Nearly a week later, I was contacted by a different representative and asked again for credit or debit card information to make a payment. I again declined to provided that information for my next payment. On XXXX XXXX, I mailed in another payment for {$100.00} which was cashed on XXXX XXXX a week later, I was contacted again by XXXX XXXX asking for credit/debit card information and my next payment. XXXX XXXX alleges that they did not received the payment that was cashed on XXXX XXXX. I sent in proof of payment and asked her why I have note been receiving monthly statements of my owed balance after making payments. She simply brushed me off. In frustration, I asked if there was another way that I could provide payment without putting a card on file. XXXX XXXX and I agreed that sending a XXXX would suffice since they are affiliated. On the same day of our conversation ( XXXX XXXX ), I sent a XXXX with XXXX XXXX on the phone and verified the reference number for my payment. XXXX XXXX verified that the payment would be processed. Again, I asked her again about receiving a monthly statement in the mail. XXXX XXXX stated that they are not " obligated '' to provide me with a statement. A week later, I received yet another phone call from yet another representative again asking for credit/debit card information to provide payment. This representative even asked me to pay the balance in full during this call. Again in refused to put a card on file and ended the call. Ever since, I have been receiving phone calls XXXX times weekly asking for a credit card. I have never dealt with any debtor who refuses and declines my request for a monthly statement and refuse to send any more payments until I know that this is a legit and legal company collecting my payments.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting loss and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Complaint sub-issue: Investigation took more than 30 days

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION ON MY CREDIT REPORT. I NEVER RECIEVED ANY NOTIFICATION IN REGARDS TO INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. ALSO, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Complaint sub-issue: Can't get flexible payment options

I took out Sallie Mae loans each of the three years that I attended XXXX XXXX University XXXX ( near XXXX XXXX. Shortly before graduating I developed XXXX that would later be XXXX. At first this meant daily XXXX and an occasional XXXX ( less than once a week ). I sought XXXX attention and at the time was told that the condition was mild and temporary and that it could be easily remedied XXXX. Over the next several months, as I graduated and started looking for jobs things got increasingly worse. I started XXXX more frequently XXXX multiple times a week ), experienced XXXX and some days struggled XXXX. I continued to see a XXXX and was told that we just had to find the best XXXX for controlling my XXXX XXXX and I would be fine. Six months after I graduated I was XXXX almost every day and was told by the XXXX that I could no longer safely drive. As a result I had to move back in with my parents XXXX and was no longer able to look for jobs. I put my loans in forbearance and hoped that by the time the forbearance time ran out ( i had to pay {$150.00} every three months and only one year of forbearance is allowed ) I would be better and able to work. Unfortunately my XXXX has only gotten worse, much worse. I currently XXXX anywhere from 1-3 times each day. Each time I have no warning and as a result I am frequently XXXX. I have XXXX more than 10 times in the last year, and currently have XXXX ( for the third time ) after XXXX and XXXX. I am now in XXXX so that I do not get XXXX and am unable to do much of anything for myself. I now experience frequent XXXX ( I have to sit down and take a break after bathing or even just getting dressed ). I have seen several XXXX and have even been to the XXXX XXXX to see XXXX several times. They have tried ever XXXX that has been known to work and even some experimental XXXX. My XXXX XXXX is still high, XXXX, and my XXXX have gotten worse, not better. I applied for XXXX through Sallie Mae as I am unable to work and most likely will not be able to for a long time, if ever. The XXXX put that if I show any improvement it will be at least 2-3 years before that happens. Sallie Mae denied me XXXX because they claim it is not permanent. However, their definition of a qualifying XXXX is something that will last indefinitely ( can be seen on the first page of the XXXX claims form ). There is not a definite timeline XXXX and as such they should not be able to deny me. They will not lower the monthly payments or work with my family in any way to help us in this time. When i spoke to a customer service representative they informed me that because I was out of forbearance time I had no other options that to just make the payments. At this point I have no idea where to go or what to do.
Complaint sub-issue: Information is not mine

professional credit Services placed an account on my credit that does not belong to me and it is damaging my credit. I have tried contacting them to provide proof this account belongs to me and they have not or responded to me for that matter.
Complaint sub-issue: Reporting company used your report improperly

The credit bureau stated that my account was properly investigated but how is that possible if the following items are all inaccurate : the high balance amount date of last activity date reported date opened date closed creditor type listed as finance/personal last payment account type the creditor remarks are also inaacurate This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 section 602 A which states that I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account 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: Personal information incorrect

I need my credit report to be accurate and up to date. I found a few things that are not correct on my file. My name is XXXX XXXX XXXX please remove any other variation of my name. My current and only employer is XXXX please remove all others. My current and only address is XXXX XXXX XXXX, XXXX, PA XXXX the following addresses are not mine please delete them they are not accurate. 

XXXX XXXX  XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting Everything has to be 100 % accurate on my report. 
XXXX XXXX  # XXXX The credit bureau state my account was properly investigated but how is that possible if the open date is inaccurate the last date active is inaccurate and date last report is not accurate.this ground for remove they also violated my rights under 15 u.s.c 1681 section 602 a state I have the right to privacy 15 u.s.c 1681 section 604 section 2 it also state a consumer reporting agency can not furnish accounts without my writing instructions
Complaint sub-issue: Reporting company used your report improperly

This not a duplicate and I have never used this site before to make a complaint!! I also am submitting this complaint on my OWN behalf and not any 3rd party because I know my rights I have been a XXXX  for over XXXX.The fraudulent accounts. inquiries, and addresses found within my consumer report are not related to any transactions that I made. I am alleging that a person or company WITHOUT my AUTHORIZATION used my personal information to apply for goods, services, or money and was successful in creating some accounts. Im elderly XXXX XXXXr my wallet stolen I think from some students as a result I am victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. I swear under penalty and perjury it is a result of identity theft. 
XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX FRAUDULENT ADDRESSES REMOVE ALL ADDRESSES EXCEPT CURRENT ADDRESS
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this 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 n 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 us 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 n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in the file listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$39000.00},
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost 90 days and I have not received a response. I understand that COVID has caused a lot of thing to slow down, but this is a bit too long waiting for a response. Reviewing some of the the things on my Equifax report makes me feel that I have been impacted by their data breach and my personal information has been used by the wrong person or persons. This has caused me quite a bit of stress especially dealing with the deaths of my friends due to COVID. I am asking that these items be removed from my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

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. 
DPT ED / XXXX # XXXX DPT ED / XXXX # XXXX DPT ED / XXXX # XXXX DPT / XXXX # XXXX DPT/ XXXX # XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX mi XXXX Inquiries XXXX XXXXXXXX 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: Information belongs to someone else

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$9400.00} XX/XX/XXXX XXXX XXXX  XXXX {$240.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$130.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX {$5300.00} XX/XX/XXXX
Complaint sub-issue: Account information incorrect

I am writing to dispute an incorrect charge on my discover credit card. The charge I dispute is the amount of {$730.00}.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased 3 shirts from XXXX XXXX through XXXX XXXX on XXXX. I returned two of these shirts in XXXX. XXXX XXXX issued two credits on XXXX ( {$36.00} ) and ( {$30.00} ). These two credits were isued to XXXX. XXXX forwarded the credits to XXXX XXXX XXXX XXXX. The account number used by XXXX was one that had been replaced with a new credit card number due to a breach on the original credit card number. XXXX XXXXXXXX assured me that the credits sent to the old account number would have transferred to the new number. 

I have opened XXXXwo separate disputes on these payments with XXXX XXXX XXXX XXXXXXXX and both have been denied because I have not provided them with a 'valid credit slip '. XXXX XXXX did give the credits totaling {$66.00} to XXXX. XXXX then forwarded those credits to XXXX XXXXXXXX. I provider XXXX XXXX with the XXXX account statement showing the credits had been sent to them. I have not yet received the 2nd denial for {$30.00}. I can get it from their website but am soon to be 'timed out '. 

XXXX says the problem is with XXXX. XXXX says the problem is with XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is the fourth complaint against my bank on a XXXX XXXX mortgage which payments started being made XXXX XXXX. This is my fourth complaint against XXXX in failing to report all of my mortgage payments that I have made to them. In which, I have copies of all cashed checks, payments being made on my VA mortgage loan. Once again, I have gotten no resolution regarding errors that need to be fixed by my mortgage loan holder, XXXX Each time I am directed to someone in their home office, I am told they are only going by the file that is sent to them. A bull's-eye report, in which, they believe the information being submitted to the credit bureaus is correct. As you can see, from XXXX XXXX latest facts and findings. XXXX, once again, is not reporting my payments being made as I have since XXXX XXXX. I have been brushed off, not taken seriously and continuing to not see my payments, ALL payments that have been made on my XXXX XXXX loan submitted to the appropriate credit bureaus. Each time, I call XXXX they tell me what they see on their end is all payments being submitted to the credit bureaus, even during the forbearance plan, in a timely manner. However, I have made over several calls to all three credit bureaus. In which, as you can see, XXXX is not reporting nor showing all of my payments that have been made on my XXXX XXXX XXXXoan. I will continue filing complaints, even going in another legal direction, until this issue is resolved.
Complaint sub-issue: Problem with product or service terms changing

This complaint is regarding the IRS and Equifax and the fact that a no-bid contract was awarded to Equifax by the IRS to perform fraud-prevention services, essentially rewarding Equifax despite their recent and highly public display of gross negligence in protecting consumer data. XXXX and XXXX both offer fraud-prevention services ; Equifax should have been eliminated from consideration. There is no platform for American consumers to voice their outrage over this contract being awarded to Equifax. 

It is my hope that as an honorable, independent institution, the CFPB can and will address this outrage and demand that the contract with Equifax be voided, on behalf of powerless consumers across the United States. 
Thank you.
Complaint sub-issue: Information belongs to someone else

This account does not belong to me. I was a victim of identity theft. The account has no original creditor nor does it have a collection company. The amount is {$1100.00} and it went to collection on XX/XX/2020.
Complaint sub-issue: Account status

Equifax , please look at the screen shots, the Activity Designator says " N/A '' and should not. 

The " Activity Designator '' should be- " CLOSED ''. 
There is a " CLOSED Date '', or XXXX 2016. 

Please correct the Activity Designation to be CLOSED. 

The HIGH Credit displayed in the screen shot, is inaccurate, as the Balance History reflects the true " HIGH CREDIT '' The comments then say, the HIGH CREDIT is my limit - and as a result, can not be true. 

Please delete those comments that were added.
Complaint sub-issue: Didn't receive enough information to verify debt

I dispute this item ; Tek Collect on my credit reporting and the credit bureaus failed to verify this debt. I sent in my request months ago and never received a response. Ive been disputing this item that comes back as verified which is an error. I made the initial contact and was never contacted about this debt. When I contact XXXX  the agent tells me that this has been verified and when I asked about a written verification the agent claimed that I have received it which I have not once. My claim was received on XX/XX/XXXX confirmed by an agent via telephone and I have yet to get a written verification from this company
Complaint sub-issue: Old information reappears or never goes away

Equifax continues to violate my rights. After disputing items they continue to appear on my credit report with new dates. These negative items have prevented me from owning a home as well as resulted in higher interest rates on my vehicle and credit cards. 

After having open disputes, the account remarks on my credit report do not reflect the disputes. This is a violation of federal regulation for each account. Also, accounts that were in charge-off status for over 7 years ( some over 10 years ) continue to be reported on my credit report. These are also violations of of my rights and federal regulation. 

I have found 30 instances of such violations appearing on my credit report.
Complaint sub-issue: Information belongs to someone else

After 40 days of me constantly disputing trying to get in contact or a response from the creditors, Bureaus, & third parties I ask that these inaccurate accounts be removed off my credit permanently due to the fact you guys keep going against the law disregarding me. I have rights too. 

Remove these inaccuracies off my file immediately! 

XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 50 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Used obscene, profane, or other abusive language

I contacted the company in regards to a notice I received pertaining to legal action from a debt. The lawyer that answered was abusive and very rude in speaking with me, so I asked to speak to someone else and he slammed the phone in my face. I now do not feel comfortable contacting this company again due to this experience and the abusive nature they are known for based on XXXX reviews. I tried calling XXXX XXXX XXXX, however, since the debt had been sold they could not assist me. This may result in adverse actions towards me as I do not have anyone else to contact to learn more about the debt notice and options.