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

In XXXX of XXXX, I moved out of an apartment complex named The XXXX Apartments in XXXX, TX owned by XXXX XXXX. I received a Final Account statement on XX/XX/XXXX, for {$100.00} for the apartment cleaning fee. Due to my move, it totally slipped my mind that the balance was due, and the XXXX Apartments sold my debt to a collection agency. The Creditor 's name is Pro Collect Inc. Pro Collect placed the debt on my credit report on XX/XX/XXXX for {$580.00}. I have disputed this collection with all three credit bureaus at least three times, only to be told that if the creditor doesn't remove it themselves, then the credit bureaus can't either. 

I have sent documentation of the final account statement that the apartment complex sent me to the collection agency, and they still don't want to update the amount so that I can finally pay it off. I called back one more time to make sure that they received my email, and they confirmed that they did, but also added that the apartment complex told them that the amount is correct, when it is in fact not. I never received any other amount or notice from the apartment complex about a different amount. I have also tried reaching out to the apartment complex via email, and phone, but am constantly getting a runaround. 

The collection agency closed the account on my credit report for the same amount in XX/XX/XXXX. This issue is messing with my livelihood and peace of mind because I currently can not get another apartment until this issue is resolved. I am currently living with someone due to this.
Complaint sub-issue: Investigation took too long

I sent Equifax a letter ( letter attached ) requesting the investigation procedure for several different items which are listed in the attached letter and below. Equifax received this letter on XXXX/XXXX/2015 ( delivery confirmation attached ). It has now passed the 15 day time limit for them to have provided the procedure. They are now in NON COMPLIANCE. Please see FCRA laws below. 
Items requested for Investigation Procedure:1. XXXX Account # : XXXX2. XXXX XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX Idaho XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX Idaho XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA XXXX XXXX XXXX XXXX sub-paragraph ( a ) ( XXXX ) : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( XXXX ) by not later than 15 days after receiving a request from the consumer for that description. 

Noncompliance- FCRA XXXX XXXX XXXX XXXX Sub-paragraph ( a ) XXXX ( A ) : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}
Complaint sub-issue: Other problem getting your report or credit score

On XX/XX/2020, I was working with XXXX  XXXX XXXX to refinance my house. 
They gave me a great rate of 3 % on a 15 year fixed loan. They tried to pull my credit reports to lock the rate, and the XXXX  XXXX XXXX rep told me that my Equifax report is frozen. He recommended I talk to them. I called their general number, at XXXX XXXX XXXX, and spoke to an agent who said he could not access my report. 
Get this : Equifax could not access my Equifax report. He wanted me to send additional documents to prove my identity. I said not a problem. I need the report to be accessible today so that XXXX  XXXX XXXX can lock my great rate. He said it will take 7 buisiness days. 
I explained that I do not have the luxury of time. I asked to me transferred to a supervisor. I spojke to XXXX employee id ( XXXX ). He also said that it will take 7 days. I explained again that i am in a time sensitive situation, and they must be able to do their job and access mny report when I sned in the documents. He was not understandable. I asked to talk to his supervisor, and he said that his supervisors " don't take calls ''. I asked : are you telling me as an equifax representative you are the highest in the company I can talk to? he said yes. I asked about the name of the CEO and address to send in a letter of complaint. He refused. I called the corporate office numebr listed on the internet : XXXX XXXX XXXX. The operator would not tranasfer me to anyone in the leadership and hung up in my face. 
Equifax is holding my equifax report hostage. I can't go on with my financial transactions because of that. This is a very incompetent company. It should be dissolved, and their rocords purged. There are 2 other companies that are doing the job. Why is equifax still allowed to control people 's lives with their incompetence? 
I need access to my equifax report.
Complaint sub-issue: Reporting company used your report improperly

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. Regarding alleged account # XXXX 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 an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contacted Equifax numerous times explaining that the account that they are listing for XXXX XXXX and the inquires for are all fraud. I have not received any merchandise or applied for XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX I was told to provide a FTC report which I have sent several time & they say they didn't get it. I have attached this information to this complaint as well. Please delete this information
Complaint sub-issue: Received bad information about your loan

FedLoan is attempting to improperly capitalize interest on my loans, has made conflicting information requests (with which I complied), and misrepresented the status of my income-driven recertification process and whether the interest would be capitalized on my loans.  I submitted timely proper documentation for my income-driven repayment plan recertification. I submitted the documentation well before the date stated in the letter requesting it. In addition to my paycheck information, family size, recertification form, etc., the documentation included almost two months' worth of income (including XXXX XXXX) for my wife with a statement explaining she is paid on an irregular schedule when accepting delivery orders. She is a homemaker and watches our children, and only does the delivery orders from time to time. A month later, FedLoan requested additional documentation regarding my wife's income, including an average monthly income amount. I provided the requested information. On XXXX XXXX, as I hadn't heard any updates on the repayment plan processing, I called FedLoan and asked for an update.  FedLoan stated they were still processing. I asked whether FedLoan received my fax with the letter they requested and if they needed any more information. FedLoan confirmed they received my information and that I did not need to provide any more information. However, a few days later, on XXXX XXXX, I checked the online account, which showed an apparent interest capitalization dated XXXX. I called to demand the error be corrected. FedLoan then requested different information than they had previously requested. This time, FedLoan (confirming again they received the information I previously submitted) requested I include a certain phrase in a separate letter with only the income amount for my wife for XXXX XXXX. Again, I promptly provided the requested information (on XXXX XXXX). The FedLoan agent specifically represented that if I provided the requested information, the interest would NOT be capitalized on any of my loans.However, on XXXX XXXX, I received a letter from FedLoan showing the "Current Principal Balance" on each of my loans to include interest apparently from a purported capitalization.  On XXXX XXXX, I received a bill from FedLoan also showing false "Current Principal Balance" amounts for each of my loans.  The bill and letter show that FedLoan has still not corrected the interest capitalization error and resulting errors.  The balances shown for all of my loans (including principal and interest) are thus inaccurate.  This is a significant error which has caused damages. FedLoan's conduct constitutes unfair, deceptive, and abusive practices, among other violations.  I respectfully request that FedLoan immediately correct the interest capitalization error and all related resulting errors. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

According to the FCRA ( THE LAW ) Equifax XXXX XXXX needs to remove these unauthorized inquires. Its been over 30 days Under federal law, equifax has thirty ( 30 ) days to complete their investigation per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ).

They have also failed to provide proof with my signature that SHOWS I authorized these inquires.
Complaint sub-issue: Reporting company used your report improperly

Unauthorized inquiry/inquiries
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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. States a consumer reporting agency can not furnish any account without my written instructions. I have tried to reach this company numerous times concerning this issue, however I was not successful. This account has caused great damage to my credit report. Assistance is advised.
Complaint sub-issue: Don't agree with the fees charged

In the response from ECMC, the following was staed : a ) Of that amount, {$20000.00} was principal {$9900.00} was interest ( 47 % ) and {$5500.00} ( 26 % ) The interest and collection cost assessed on this account are exorbitant and excessive ; needs a review. 

b ) I would like a statement of the account from XXXX thru XXXX. There is no record of any payment at all. Please review.
Complaint sub-issue: Debt was paid

Paid off ALLIANCEONE account still showing up as open
Complaint sub-issue: Their investigation did not fix an error on your report

To whom it XXXX concern, I XXXX XXXX, never gave ( Equifax, XXXX, or XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

You also do not have any permissible purpose to furnish my personal information to any third party.

1681b. Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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. 


As a consumer, I am demanding a deletion of the following accounts and the deletion of the following personal information both addresses and employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 following Addresses must be deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 employers must be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Transaction was not authorized

my account with reliacard was locked in XXXX so XX/XX/XXXX i sent in a id that i had to get from dmv and a selfie two weeks later i got a letter saying to send id again andand selfie and taxes for XXXX and ssi card so i got everything together and sent on the XXXX of XXXX i even sent XXXX XXXX and XXXX taaxed along withXX/XX/XXXXi called everyday they said it taakes 2 days then they said it takes 5 to 7 days then they said the documents werent clear enough so i send id the ssi card and then XXXX taxes again its now XX/XX/XXXX and my account is still lockedthis is a joke i cant believ this i had two trees fall on house and have young children in my home who cant eat properly because im waiting on someone to look at my id ive sent messeges for someone to call and nothing no one calls back this bank is a joke
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I had an installment agreement with XXXX XXXX, i had an outstanding balance of {$210.00} in XXXX of XXXX i filed for chapter XXXX bankruptcy in XXXX XXXX and XXXX ACCEPTANCE was included as a creditor. I was XXXX in XXXX of XXXX. XXXX XXXX is willfully ignoring the court injunction to cease collection activities by reporting to credit agencies other than a XXXX balance and that it is a charge off. This is unnecessarily harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Status CHARGE-OFF Balance {$210.00}
Complaint sub-issue: Information belongs to someone else

Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/ ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Inaccurate unrecognized credit inquiry fraudulently done.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. 

( THE ACCOUNTS BELOW HAVE VIOLATED MY RIGHT TO PRIVACY ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

The information being reported on my credit report is more than seven years old from the first date of delinquency and exceeds the statutory time period under this Act, and must be removed. 

The XXXX XXXX account 1st date of delinquency is being reported as XX/XX/XXXX on my Equifax credit report. The actual 1st date of delinquency is XX/XX/XXXX as was reported on my XXXX credit report XXXX attached ). The actual 1st date of delinquency makes this account over seven years old and therefore outdated.
Complaint sub-issue: Account status incorrect

Equifax ; XXXX  and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and have never received any communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts are not in dispute, when in fact they are in dispute. The accounts are as follows : XXXX XXXX XXXX  partial account number XXXX ; XXXX XXXX account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX and the following XXXX XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX. ALL of these items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus to fix these accounts however, I have not been successful.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I was hospitalized in 2012 when I was XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX in XXXX XXXX, Oklahoma. Due to my families low income the XXXX informed us of a XXXX XXXX that would pay for all hospital expenses that totaled a little over {$18000.00}. Recently, I checked my credit score and those expenses still appeared as owing. So I contacted them, discussed the situation and they were able to remove the expense from my credit history. There is still another hospital expense that they won't remove. I made two payments because they were persistent. I learned that I could dispute it, and I'm needing help.
Complaint sub-issue: Information is missing that should be on the report

Equifax removed 2 active and open accounts from my credit report and dropped my score drastically.
Complaint sub-issue: Debt was result of identity theft

Hunter Warfield account # XXXX is reporting a fraudulent account to credit bureaus that is not mine. I am a victim of identity theft and I notified the credit bureaus of such by filing a dispute and submitting the documents attached in this complaint. I will use every legal remedy if this fraudulent account is not removed from my account.
Complaint sub-issue: Was not notified of investigation status or results

I have reported fraud accounts being reported on my credit report by Equifax and only Equifax. I have took the proper steps per the fcra to have the fruad removed and blocked. I have submitted a FTC report, police report and copies of my id numerous time. I have contact Equifax fraud department several times and was hung up on by the rep when I stated they have violated my rights. I provided them with proof of the violations and have been hung up on every time. This is not ok or legal. Equifax is causing my family great hardships and I will be pursing equifax in court.
Complaint sub-issue: Can't decrease my monthly payments

Interest Rate for Federal Student Loan Consolidation is too high! Based on how much I 've borrowed to pay for US. standard college costs and how much it has accumulated in the past years, it is unrealistic for any American citizen to pay their student loan balance within a reasonable given time frame. Based on an income-driven payment plan with regard to interest rate, my total balance for my Federal Student Loan Consolidation is almost doubled. Now imagine millions of Americans facing the same issue.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX XXXX I # 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: Account status incorrect

Equifax ; XXXX and XXXX should not be reporting that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted XXXX XXXX as well as the bureaus to remove these lates however, I have not been successful.
Complaint sub-issue: Received bad information about my loan

Through the attached communications I am slightly confused by who is the correct person and/or agency to answer the questions that I have concerning the loan and thus, I am forwarding to CFPB to get the answers to the following questions : 1 ) confirm that the ECMC added " collection cost '' fees are payments that they are requesting be made for the skip-tracing tactics that you used to collect the debt including calling references and those not listed as my references in the original loan? 2 ) why would Navient, and not ECMC be able to answer the question in regards to how ECMC defines what the collection cost ECMC is charging in the prior email? 3 ) What is XXXX current role in regards to the debt ECMC bought from them? 4 ) Is the collection charge instituted from ECMC or is it from XXXX? 5 ) Should all questions and concerns be sent to them? 6 ) Does that mean that arrangements can be made with them and not ECMC, are they considered to be one in the same?