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

Genis is collection company is trying to collect from me and I did not oWe I debt to XXXX. I moved out I have a payment ledger and new lease that I did not live there. I do not have any document that I signed that I signed a new lease and they didn't send me anything that saying I owe money my new address was provided and I have messages that provide this
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVE NEVER AGVE AUTHORIZATION PURUSANT TO 15 USC 1681 B, 168a4. 

AT THIS TIME XXXX XXXX XXXX HAS BEEN CANCELED, THUS CANCELING THEIR SECURITY INTEREST IN THE VEHICLE. XXXX XXXX XXXX XXXX CLAIMS THEY ARE THE LIEN HOLDER HOWEVER, XXXX XXXX XXXX HAS ALREADY CONFIRMED THEY ARE THE TRUE LIEN HOLDER AND WITH THE REQUEST TO CANCEL A PRODUCT I NEVER AGREED TO. 
I am well aware of the fraud and will to continue to pursue the matter. XXXX XXXX CLAIMS THEY ARE ABLE TO REPORT A DEBT THAT HAS NOT BEEN PAID HOWEVER WAS IN FACT PAID AT THE DEALERSHIP UPON THE ISSUANCE OF VALUE BY APPLICATION BY APPLICANT and a credit application only utilizing my on credit to purchase a vehicle. 
ENTERING A CONSUMER TRANSACTION MEANS I AM ENTERING A CREDIT AGREEMENT, NOT LAON AGREEMENT NOT SALE AGREEMENT. THE RESELLING OF MY CREDIT APPLICATION DOES NOT SUFFICE AS A VALID '' DEBT '' BY WILLFUL FRAUD AND COPYRIGHT INFRINGEMENT FROM A NAME IN TRADE. I HAVE REQUEST ALL PAYMENTs MADE TO XXXX be refunded to me the consumer. DUE TO THE BREACH OF PERFORMANCE AND FRAUDULENT REPORTING OF MY CONSUMER REPROT AND PRIATE INFORMATION. 1 ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NO LONGER HAS SECURITY INTEREST. 2 ) MY VEHICLE HAS ALREADY BEEN PAID, IF NOT SHOW THE LEDGER BOOKS PROVING THE UNBALANCE, OR PRODCE THE ORIGINAL CONTRACT NO COPIES. 3 ) XXXX XXXX XXXX  IS THE TRUE LIEN HOLDER. XXXX STILL HAS NOT PROVED HOW OR WHAT WRITTEN CONSENT THEY HAD TO REPORT ANYTHING ON MY CONSUMER REPORT. I HAVE NEVER GAVE AUTHORIZATION PURSUANT TO 15 USC 1681 B, 168a4. a so called delinquent debt is by no way a reason and pursuant to consumer law to report anything on a consumer report. Acquiring my information is regulated by consumer law as well as the duties of each company to comply. XXXX XXXX XXXX XXXX shall delete all accounts reporting fraudulently on my consumer reports with, XXXX, equifax, and XXXX. XXXX WILL CLAIM THERE IS A DEBT AND THEY HAVE EVERY RIGHT TO REPORT WHEN IN FACT THEY DO NOT, AND STILL HAS NOT PROVIDED MY WRITTEN CONSENT TO DO SUCH. AN FTC REPROT HAS BEEN FILIED FOR IDENTITY THEFT, COPYRIGHT INFRINGEMENT, ILLICIT FRAUD, AD DEFAMATION. ARBITRATION WILL FOLLOW. ALL CONTRACTS ARE VOID DUE TO THE NON PERFORMANCE OF DELIVERING THE " NOTICE OF RIGHT TO CANCEL '' TO CONSUMER AFTER THE ACQUISITION OF A VEHICLE. PAID BY CREDIT OF THE CONSUMER. ABNSK CAN NOT LOAN MONEY " 12 US CODE 1431 '' POWERS AND THE DUTIES OF BANKS. THE TRUTH IN LENDING ACT, THE TRUST ALL CONFIRMS MY CONSUMER RIGHTS. XXXX XXXX HAS ALASO CONFIRMED OF THE RESELLING OF MY INFORMATION AND THAT THEY HAVE RMEOVED MY DATA FROM THEIR PORTALS. IN ADDITION TO CONTACT THESE THREE BUREAUS TO HAVE THEM REMOVE THE SAME DATA, HOWEVER HAS NOT UPDATED AND BEEN REMOVED. XXXX XXXX XXXX XXXX ACCOUNT - {$17000.00}.
Complaint sub-issue: Old information reappears or never goes away

There is still a XXXX XXXX XXXX card on my report. I repeatedly told XXXX that fraudulent information was on my report. XXXX did nothing to help. I will never do business with XXXX again. THIS DEBT IS OLDER THAN SEVEN YEARS AND IT MUST BY LAW BE REMOVED FROM MY CREDIT REPORT.
Complaint sub-issue: Information belongs to someone else

I recently obtained a copy of my credit report from Equifax, XXXX, and XXXX. It indicated that a credit inquiry was made by XXXX twice in XXXX and XX/XX/2021. I did not authorize my credit to be pulled twice, only once. Therefore, I am writing to dispute this duplicate inquiry and have XXXX set of inquiries removed from my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I never heard of this company .I have n't apply for any credit card nor any loans what so ever.
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 XXXX 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: Investigation took more than 30 days

XXXX XXXX XXXX XXXX XXXX XXXX XXXX AT T These disputed items wasn't removed from my credit record within 30days of the investigation period
Complaint sub-issue: Debt was result of identity theft

Americollect Inc has reported an alleged debt in the amount of {$460.00} total of four accounts to the consumer reporting agencies. I have not entered into a contractual agreement with this company and there was never an initial communication between us. Americollect Inc obtained and furnished my personal information without my direct consent which constitutes identity theft and a violation of my individual privacy rights as a consumer pursuant to 15 USC 1692.The furnishing of this alleged debt to my consumer reports is harmful to my reputation pursuant to 15 USC 1681 ( a ) ( 2 ). I am disputing the validity of this alleged debt pursuant to 15 USC 1692g. I have sent a debt validation letter to Americollct Inc on XX/XX/2021 and I await a response.
Complaint sub-issue: Called after sent written cease of comm

I discontinued services with XXXX and switched to XXXX. I was given a final balance and paid the amount in full. The next month I received a bill for {$26.00}. XXXX indicated that they were unable to remove the charge because the internet portion of my account was still active. They acknowledged their mistake, but insisted I still owed the {$26.00}. In XXXX 2016, I received a collections letter from the " XXXX XXXX XXXX ''. I responded with a written dispute on XXXX/XXXX/16. I have now received another collections notice dated XXXX/XXXX/16 from " EOS CCA '' for the same disputed debt. I was called by them and later called back to let them know that the debt was already disputed in my XXXX/XXXX/16 letter. They indicated that the debt was not placed with them until XXXX. I believe that XXXX is trying to use multiple agencies in an attempt to circumvent my rights under the Fair Debt Collections Practices Act.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried from the beginning of XXXX to get some clarity of the negative public record reporting to my credit report. I have asked all three credit bureaus to validate the bankruptcy or remove it from my report. I have had no such luck, and only a bad credit reporting continuing to ruin my life.
Complaint sub-issue: Other problem getting your report or credit score

I've been using myFICO for credit monitoring for years with no issues. On Sunday XX/XX/XXXX I tried to upgrade to the higher tier of credit monitoring and the order failed because of the information provided to Equifax did not match what's on their end. This is the same information that has been sent to them for years. 

I called myFICO customer service this morning ( XX/XX/2019 ) and I was told that Equifax refused to release my information. I also called Equifax and they said they could not see any issue on their side. 

In order to verify this wasn't only a myFICO issue, I also tried to sign up for the XXXX monitoring service that includes Equifax and XXXX. That order also failed because Equifax is not releasing the information.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

A debt collector by the name of Unifin , Inc. with an address of XXXX XXXX XXXX XXXX, IL XXXX and phone number XXXX has both called and written to me attempting to collect an alleged debt that is time barred and that they claim is owed to a debt buyer by the name of XXXX XXXX XXXX. The original creditor is listed as XXXX XXXX Unifin uses this reference number : XXXX. 

In their own letter to me, received on XX/XX/2022, they stated, and I quote : " Because of the age of your debt, XXXX XXXX XXXX can not sue you for it. '' They also stated : " Because of the age of your debt, Unifin will not sue you for it. '' These two quoted statements show that Unifin and XXXX XXXX both know full well that they are attempting to collect upon an alleged debt that is time barred. 

Federal courts have held that attempts to collect upon a time barred debt is a violation of the Fair Debts Collections Practices Act ( FDCPA ). 

See : " An expired statute of limitation also makes it illegal for collectors to try to collect from you. That wasnt always the case, but recent court cases now make it clear that collectors violate the Fair Debt Collection Practices Act by trying to collect an old debt. '' Source : XXXX XXXX XXXXXXXXXXXX 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. 

At a minimum I want both Unifin and XXXX XXXX to cease and desist from all communications with me regarding this alleged and time barred debt. I would also like both companies to face consequences for willfully violating the Fair Debt Collection Practices Act. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX phone : XXXX
Complaint sub-issue: Funds not received from closed account

I have not received any check for {$28000.00} from you guys as said by your letter. Please issue me the check for the exact amount as stated in your letter for my XXXX XXXX. Also my account XXXX account is still missing its closure check for {$890000.00} that was debited at close out.
Complaint sub-issue: Account status incorrect

I spoke to XXXX XXXX XXXX,XX/XX/2020/. She was completely rude. I paid a debt back in XXXX in which I did not validate the debt was mine but just wanted to do the things necessary to get a home. I found out they were reporting that I owe them so I called them up had a agreement that they would delete the item if I paid {$93.00} dollars. I paid the amount and move forward today when the originator repulled my credit for it still showing. I called today and speak to Ms. XXXX when I tell her about me paying for the debt to be deleted her attitude change. She told me that they NEVER delete them. I let her know that the representative must of misinformed me. She continues to say it was her that took the payment and that she wont be going back and forth with someone about {$93.00} collection and she was about to get off and didn't have time for that low amount of a debt thats already been paid. I asked her well since you wont remove it can you prove the debt is mine she continued you over talk me and bash me about the amount and how it was so small like it was beneath her to validate that the debt is actually mine if I just paid it instead of showing proof before I paid.
Complaint sub-issue: Trouble with how payments are being handled

Over 2 years ago, I requested a manual review of almost 33 payments XX/XX/XXXX to XX/XX/XXXX that have been labeled as ineligible payments for PSLF programs and have not received a reply. I have called FedLoan and have been told there is no timeline for these requests. 

I am now requesting help to have this review completed as I am now over 120 payments but can not have loan forgiven, because these payments are not being counted. I have been told that the payments that were initially marked as ineligible are due to being on the wrong repayment plan, payment outside of the payment window, and no bill being due. I am on the correct payment plan, and did not pay outside the payment window. I believe without my knowledge they put me in forbearance in order to complete the transfer of my loans. During that period, I was paying the loan, however, they were not counting it due " no bill ''. I have called FedLoan to request administrative forbearances be retroactively removed from my account. Prior to FedLoan, I was paying Direct Loans since XX/XX/XXXX and it was switched to FedLoan in XXXX. However, FedLoan only has records from XXXX even though my loans were consolidated and being paid from XXXX. Attached are my tax returns, on line 18 were you can see the student loan interests being paid. If I was not paying my student loans, I would not be able to complete that on my tax forms. 

Can you help me get the manual review completed on the eligibility of my payments through FedLoan Servicing? ''
Complaint sub-issue: You never received your bill or did not know a payment was due

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payments on XXXX and XXXX of 2020 during COVID19. Do you even mark consumers ' late during these times? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

When I checked this account, I saw immediately that the payment history is inaccurate. XXXX  reports all OK payments yet XXXX  reports all CO. I want this account to be investigated and removed due to inaccuracies. Please help me get them out of my reports.
Complaint sub-issue: Account status

On my EQUIFAX report, Both of the XXXX ACCOUNTS are showing as OPEN ACCOUNTS. It is not open, it is closed and has been closed for years. It has also been paid in full since with no balance owed. I also believe it is time for XXXX accounts to be removed per the law from when it actually defaulted as the debts originally was not theirs but another companys. It is the same debt as the XXXX XXXX ACCOUNTS. Those XXXX XXXX ACCOUNTS are also CLOSED, PAID IN FULL and are no longer in collection. I have spoke to XXXX as well as XXXX and they have verified as well as told me they sent the correct info to the bureaus to fix this yet I see EQUIFAX is still reporting incorrectly. Also, I received a letter from XXXX that verified they also informed XXXX who is dragging there heels on updating my last complaint to you all, which is CASE # : XXXX as they are showing this as charged off in XXXX 2015 now and at the time I complained to the CFPB they were showing it as charged off XXXX 2015. This is just illegal XXXX that I am tired of and XXXX says it will take 60 days and I know XXXX well they have the updated info already as it was mailed to them about a month ago yet they are still reporting this XXXX account incorrectly and illegally, probably out of spite. I am paying for monitoring services where they claim they update every day, etc and thats just a lie. If I decide to charge back every month I have paid them for there " NOT THE PRODUCT THEY CLAIM TO BE SELLING ME '', I wonder what would happen and if i took it to court what would a judge say. Someone needs to get on this as I am sure there are thousands of Americans just getting ripped off on this monopoly these bureaus have going on. I pay and subscribe to EQUIFAX, XXXX, XXXX and XXXX and I pay all my debts and have not missed a payment on any account I have opened in over 2 years but yet I suffer from some XXXX working at these companies who can not seem to comprehend english or speak it properly when I try to make progress on the phone and apparently can not enter correct true data. I do not deserve this.
Complaint sub-issue: Investigation took more than 30 days

XXXX University first ruined my credit score by not sending invoices for my student loan, only after I found out through another loan provider that XXXX reported my loan as default. I contacted them, I paid the balance, they issued " paid in full letter '' however derogatory credit rating still continue till this day I notified all 3 Credit Agencies but my credit score continue to drop due to XXXX failure to notify them of my student loan being paid off.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter in XXXX dated the XXXX requesting XXXX, Equifax, and XXXX  as follows ( 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/Application with my Signature on it, Pay off Disclosure, Interest rate disclosure, Balance History, Payment History and Credit Insurance ) 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. 

I demand the following accounts be verified or removed immediately. ) The only response I got was generic and stated account verified however there was none of the previous documents I requested where attached. I then followed up with a second letter stating in XXXX dated the XXXX XXXX which request the following ( Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. ) Still to no avail this time there was no response It is no XXXX the XXXX and I am still struggling with these same unverified and therefore unlawfully placed accounts on my credit report please assist me in making XXXX, Equifax, and XXXX  follow the law and promptly remove the items I attached in the letters
Complaint sub-issue: Attempted to collect wrong amount

PNC Mortgage is not allowing a short sale to proceed because the XXXX buyer cancelled the purchase. A few days later a XXXX buyer submitted a complete package to PNC Mortgage, but PNC refused to delay the trustee 's sale to allow the 15-days needed to approve the new deal. This is a violation of Cal. Civ. Code section 2924.11 ( d ) because once the buyer and seller was approved for a short sale and proof of funds supplied PNC was required to file a notice of rescission of the trustee 's sale resulting in dual tracking.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states that I have a 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: Other problem getting your report or credit score

On XX/XX/XXXX I applied with two mortgage companies for a home loan. Both companies told me they were unable to pull my Equifax credit score. I called Equifax the same day to find out the problem and was told there was no problem on their end ; there were no freezes on my credit. Today, XX/XX/XXXX, I tried to pull my credit score myself and was unable to do so. I called Equifax again and was told there was a problem and it may take ten business days to fix. I need my credit score now, and when I asked who to complain to, I was told there was no one I could complain and I would just have to wait. I am trying to buy a home and need to do this in a short period. Can you please help me with this matter.
Complaint sub-issue: Information is not mine

I disputed inaccurate collection accounts from companies called XXXX XXXX and XXXX XXXX XXXX. Equifax said the companies told them debt was valid. Equifax did not tell me what proof the companies provided to prove the debt is valid.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$19000.00}, {$17000.00}, {$8000.00}, {$52000.00}, {$0.00}, {$11000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$52000.00} -This is not my account. 

6. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 


-- PERSONAL ACCOUNT 8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.