Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

I, XXXX XXXX a consumer citizen of heaven am writing in response to an alleged debt which was sent to the address of XXXX XXXX XXXX XXXX # XXXX. This letter was received on XX/XX/2021. Letter attached. 

As it pertains to my consumer report, upon information and belief the company is attempting to collect an alleged debt pursuant to 15 USC 1692a ( 5 ). With respect to Account # XXXX, there is no debt owed. 
National Recovery Agency response did not address any of my complaint and purposely deflected providing me answers in their most recent correspondence. 

My request was specific. The alleged debt was not verified. A correspondence letter was sent on XX/XX/2021. 

I, XXXX XXXX did not conduct any business with the above company in the past or currently. In addition, they have violated my privacy. I did not sign any forms authorizing National Recovery Agency to access any information pertaining to me. 

I have been violated and will be turning this matter over to the office of Civil Rights ( OCR ). 

This is not a refusal with regard to payment of an alleged debt, but a request that the above claim is disputed and validation requested ( FDCP 15 USC 1692g Sec 809b ) be executed. 

I have requested that National Recovery Agency verify this debt and send me all contracts and documents between myself and their organization bearing my signatures. 

This has a severe negative affect on me as a consumer and is violating the FCRA. This is jeopardizing my reputation as a consumer.
Complaint sub-issue: Bounced checks or returned payments

XX/XX/XXXX XXXX XXXX XXXX amt XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX unauthorized transaction never got .my credit it was XXXX dollars of my money
Complaint sub-issue: Didn't receive enough information to verify debt

I was served papers to appear in court on XX/XX/XXXX regarding a request from a company called credico inc to revive a judgement from XX/XX/XXXX, 14 years ago. I have never at any time been contacted by this company or any other company regard this amount they say is owed. I have received no phone calls, no mail, no other attempt to contact me at all. I tried to contact the company but found little to no information about the company online. I attempted to contact the lawyer from the served papers and left a message but ncall back. In the past 14 year and before that I have heard nothing about this dept or from this company. I could not dispute the debt prior to what they say was a judgement in XXXX because I never was contacted or given any information. I have no idea what this debt is for. I have spent the last 12 years working extremely hard to pay off credit card and medical debt so I check my credit report and credit score weekly on 3 different sites, I open and read every peice of mail, and answer phone calls so I am not only aware of what I owe and to whom but also make arrangements with them to pay the debt in full. Had I gotten information from this company or about this debt I would have requested information to very the debt and made arrangements for payment if the debt was proven to be mine. I never got that chance or opportunity over the last 14 years to do any of the things that are my right under the fair debt collections act to do. My information including my phone number and address and employor were never hard to find with a simple search online or my credit report. Every other debt collector I had debts with had no problems contacting me, which made it easy to verify the debt and make arrangements for repayment. I do have debt I am paying off and had paid off debt because unfortunately I am a type XXXX XXXX  and medication and medical help is expensive so I have had debt in the mast but I have made a good faith and legal effort to repay every debt that I owed. Please investigate this matter immediately. I have not been contacted by this company or about this debt at all.
Complaint sub-issue: Confusing or misleading advertising about the credit card

Citi Bank introduced Flex Loans ( an installment plan using ones available credit on an existing credit card ) and advertised them heavily. I used one of the offers to finance an unexpected home repair. After the Flex Loan was in place their website offered me a 0 % APR balance transfer. Having used balance transfers before, Im reasonably confident in how they work and felt comfortable using this offer. After making two payments on my account now with two balances at different APRs, I learned that based on Citis payment allocation rules, its not possible to pay anything toward the 0 % balance until the Flex loan is paid in full. The 0 % offer expires about 2 months before the final Flex Payment is due. Thus, if I dont pay the Flex Loan early, I will get hit with the interest on the 0 % balance, making this offer  impossible to use in real life. The system that generates these offers should have been programmed with this understanding. I find it hugely deceptive to be presented an offer that I cant effectively use. 

On XX/XX/19 I spoke with XXXX via chat who confirmed for me this is the case. I then called and spoke to a person who didnt seem to understand what I was saying, so escalated to her supervisor at my request. The supervisor also confirmed for me that this is the case, but could only document my complaint as a resolution as there is no fix, other than for me to pay off this card and not look back.
Complaint sub-issue: Used obscene, profane, or other abusive language

I have become a victim of harassment and intimidation tactics by XXXX XXXX in an attempt to collect debt on XXXX XXXX. For over a year, I have received over 30 calls a day with threats to have me arrested for theft, threats to call my job, threats to come to my job sue me, and many other things that have caused me to spiral into XXXX. And causes me stress. I am unable to maintain my focus where it's needed as they call every hour on the hour. Yelling and using inappropriate language with every phone call to the point where arguments have ensued. I have asked them not to contact me as much as they do. I have tried to make arrangements, however, their intention is not to come to an agreement, but to collect the entire debt. The person 's placing this call have even gone so far as to threaten to post information about me on social media. I have already signed up for the DO NOT CALL registry and they still contact me. They are very unprofessional and disrespectful. Please, have them to stop calling me. It is to the point where I would like to sue them for this behavior. I have proof in my call records as well as phone recordings. Attached is a snapshot of the latest calls, as I have been deleting them.
Complaint sub-issue: Public record information inaccurate

On XX/XX/XXXX and XX/XX/XXXX, per the FCRA Law, I asked LexisNexis for evidence within FCRA that the bankruptcy they are reporting was mine. They have responded by saying that they spoke to someone at the bankruptcy office. I asked for who they spoke to as well at the court and they have not answered. 

As you can see by the attachments, the courts do not report or speak with anyone regarding any cases. 

LexisNexis didnt respond to my first letter which is a violation and there only response did not answer my question of who did they speak to at the court. They even listed the wrong name of the court. AND they still have not provided me with the proper evidence according to FCRA.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information 's about my inquiries are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX & XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021
Complaint sub-issue: Didn't receive enough information to verify debt

AFNI is attempting to collect debt from XXXX XXXX XXXX in which I never received notice and do not owe this debt. There is no account in for this debt besides incorrect address and it is supposedly from 2013 for the amount of {$720.00}. I called the collection agency and they will place in dispute. I am trying to purchase home and it seems like I am actively being targeted for old nonexistent bills.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX XXXX credit card Open XX/XX/2018 Its not reporting on my credit report For all three credit companies Plus my users on they report
Complaint sub-issue: Information belongs to someone else

I have contacted Americollect personally, submitted a dispute with XXXX as well as contacted the consumer protection bureau regarding this matter. Americollect is Continuing to report inaccurate information to XXXX credit reporting bureau. Americollect is reporting one ( 1 ) inaccurate account from University XXXX 's seven ( 7 ) times ( acct number XXXX ) another inaccurate account ( acct number XXXX ) five ( 5 ) times and two additional inaccurate accounts ( acct number XXXX and XXXX ). The continual reporting of these inaccurate accounts is a violation of the Fair debt collection Practices Act as well as Fair Credit Reporting Act. These inaccurate accounts should be removed from my credit report immediately.
Complaint sub-issue: Problem getting your free annual credit report

I was notified that my credit score with SageStream was around 400 which was odd because my credit score with the top 3 is over 800. I submitted an inquiry and credit report request per their website instructions and 3 months later I get a letter stating that my credit score is XXXX  BUT there is no credit report. 

This all seems very suspicious to me so I am reluctant to ask for it again given the information they collect. 

I am not sure how some unknown credit agency has the right to report my score less than half of the big 3!!!! I think it is a scam and it will hurt people if they have to rely on bad information when requesting credit.
Complaint sub-issue: Used obscene, profane, or other abusive language

On XX/XX/2021, at XXXX XXXX  ERC called me asking me to verify my identity. After asking the representative several times who she was calling on the behalf of, she stated ERC. I wasn't familiar with the acronym ERC. I then ask her what did ERC stand for, she demanded I verify my identity before she would give me any more information. 
After the phone call ended I did research and found that the company ERC was a debt collector. According to 15 USC 1692c ( a ) without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692c ( 1 ) At any unusual time or place or at time or place known or which should be known to be inconvenient to the consumer.

15 USC 1692c ( 3 ) At the consumer place of employment.
Complaint sub-issue: Was not notified of investigation status or results

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX   XXXX  XXXX, XXXX XXXX  XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX
Complaint sub-issue: Trouble with how payments are handled

I co-signed for XXXX private student loans ( XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank ) for my son to complete his XXXX degree. After XXXX when he conducted the consolidation & promissory note application via phone with AES, he asked to have all XXXX ( XXXX federal & XXXX private ) of his student loans consolidated. He was informed the private student loans could not be consolidated with the federal loans because it was against federal regulations. After approximately 6 months or so, we realized AES had consolidated all XXXX loans into my son 's XXXX consolidated federal loan. He was getting 1 monthly billing statement for all XXXX loans with XXXX account number, only. As co-signer, I was concerned because it was impossible to distinguish how the private loans were being paid as it was an " all or none '' payment situation. I was also concerned because I knew the private loans were not as flexible as the federal loans and could go into default much quicker. When we informed AES of its error & asked them to separate the XXXX private student loans from the federal, AES said it would look into. After months of no resolution & my son 's monthly phone calls to AES to correct this mistake, my son demanded AES correct the error. The very next month, AES placed the XXXX private student loans into default. We were shocked & dismayed because my son was in monthly phone contact with AES to monitor the account. There was never any mention of the XXXX private loans facing default. Now my son & I are being sued by National Collegiate Student Loan Trust ( NCLST ) for the original loan amounts plus interest ( about ( $ XXXX ). However, we have never ceased making monthly payments to his XXXX federal student loan account which is the same account number as the XXXX private student loans ( because AES consolidated them with the federal student loans ). As proof, my son 's credit report states his XXXX consolidated federal student loan status is " Current ; Paid or Paying as Agreed ''. My son 's credit report also shows the same account number for the federal loans as my credit report shows for the private loans. Finally, what concerns me most is my credit report states the status of the XXXX defaulted private student loans as " AES filed claim with the government ''. These XXXX loans are from private lending institutions and AES sent confirmation to me that the " Guarantor '' reimbursed the private lenders for the XXXX private student loans after AES forced the loans into default. I 'm concerned that the lenders were ALSO paid by the government. When I called & spoke to a Federal Ombudsman, I was informed that in no way should AES have filed a claim with the government for XXXX private student loans. Now XXXX is suing me & my son. They are attempting to get triple payment.
Complaint sub-issue: Reporting company used your report improperly

Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative. I Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I have been trying to get the fedloan.gov to certify my eligible student loans for public service loan forgiveness. I have been trying to resolve this matter for over a year with numerous phone calls  ( 10+ )   and submitted written requests.     Issue is whether  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX    XXXX  a non profit  501 ( c ) ( 6 )   qualifies for public service loan forgiveness?      Public Service Loan Forgiveness is gr anted in the following circumstances '' " If your organization is tax-exempt, but is not a  501 ( c   ) ( 3  ) organization, it could qualify under this category if it provides a qualifying public service. '' Fedloan.gov will not provide what standard is used to define the following qualifying public service :  Emergency management Public safety T hey wo n't tell me if I do qualify. If do n't, why not? What is the standard. No guidelines exist and no one will put anything specific in writing. I am constantly put on hold fo r 20 m inutes or more and then hung up on.     https : //myfedloan.org/borrowers/special-programs/pslf
Complaint sub-issue: Account information incorrect

In XX/XX/XXXX, I received from XXXX savings bank  a XXXX, cancellation of debt form, for {$3500.00}, which I filed with this year 's tax return and it was reported as income. XXXX savings bank   is still reporting to the credit bureaus that I have a balance of {$3500.00}, which is hurting my credit score and my ability to get credit cards or personal loans. I have filed disputes with Equifax, XXXX, and XXXX, and have either uploaded the form XXXX, if possible, or sent a copy by US postal service to the addresses of the credit bureaus. With XXXX, I was able to upload the XXXX and as soon as they received it, I received an email from them, ( XX/XX/XXXX ), that they updated my credit report and made changes. Now they show the XXXX savings bank credit card account as having a {$0.00} balance and as being paid. My problem is with Equifax, XXXX, and XXXX savings bank. Equifax and XXXX wo n't budge, even with my supporting document ( XXXX ). XXXX told me over the phone the other day they received my dispute on XX/XX/XXXX and will send me the results of their investigation within 30 days. I feel it is unfair, and or illegal, that having to had report {$3500.00} to the IRS as income, they are still reporting it as the balance I owe them.
Complaint sub-issue: Reinserted previously deleted info

I 'm at my wits end with these credit bureaus! I need help from someone before I get my attorney involved! I have accounts that are being reinserted on my file that were deleted previously. Some of them have been deleted and then reinserted and then deleted and then reinserted, etc. Each time they reinsert, I write to get them removed again. i am a victim of identity theft and all of these accounts were on the police report. I am so tired of this. At no time EVER did they notify me of the reinsertions, therefore, they must be removed solely based off of that! You will find the disputed accounts in the attachements.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop 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 XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Account information incorrect

I did not sign a contract with them. XXXX XXXX sold the school and left thousands of students un informed and some did not even have a teacher 90 % of the time.
Complaint sub-issue: Account information incorrect

The basis of my dispute is that my dad file for BK but because we share the same name and the SSN # is off by 1 digit, my credit was mixed and credit were notified that I file for BK. Once that occurred ; the company would no longer communicate with me or accept payments which caused the delinquencies of these accounts.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

After receiving my credit report in XX/XX/XXXX, I noticed some unauthorized credit inquiries that was placed on my credit file. I contacted the Equifax credit bureau to whom was reporting the inquiries on XX/XX/XXXX, XX/XX/XXXX, and numerous times up until now, explaining to the agent that the inquiries was not authorized by me, asking that they be immediately removed. The agent specified that Equifax was n't allowed to remove inquiries, and that I had to contact the original creditors that placed the inquiries on my credit report. After talking with the agent, I contacted each creditor on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. Each creditor stated that they would remove the inquiries, but did n't know how to remove them, and that I had to contact the reporting credit bureau because they are the only persons that can, and know how to remove inquiries. I have since then contacted Equifax by phone and via certified mail, telling them that the creditors does n't have any open accounts or contracts with me and that the inquiries can be deleted. Still nothing has changed. I am not sure as to how these creditors obtained my personal information. It 's now becoming a back and fourth situation with both, the creditors and Equifax. Equifax saying that they are not allowed to remove the inquiries without a request from the creditors, and the creditors stating that they do n't know how to remove them and to contact Equifax. I really need these inquiries removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX