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

Procollect Incorporated calls me at my phone number XXXX requesting payment of a debt for XXXX XXXX XXXX XXXX in the amount of {$2000.00}. I have repeated and told procollect Incorporated on 3 different occasions that I am not the person they are looking for - XXXX XXXX XXXX XXXX. today I spoke with XXXX XXXX at extension XXXX XXXX XXXX and XXXX XXXX at extension XXXX XXXX XXXX and they both told me that my phone number listed above was taken out of their system. I called back and asked the receptionist to research the account based on XXXX and my phone number is still associated with the person in which they are trying to collect a debt. 

Previously when I receive phone calls from procollect Incorporated, I let them know that this number was not associated with the person they are looking for and I was assured my phone number, XXXX, was removed from their system. I get called from their collectors about every month looking for the person above in relation to the debt they are trying to collect. I do not want to be receiving phone calls from procollect Incorporated anymore. 

I wish my phone number to be permanently removed from their system and to never receive a collection call from Pro Collect Incorporated ever again. 

I have the voicemail from todays phone requesting to contact me at my phone number.
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

So in 2017 or so, my car suffered from hail damage. I decided to use the check to pay off my vehicle as opposed to fixing the dents. I called both my insurance company and US Bank ( Loan Issuer ) ahead of time and told them what was happening. US Bank said that once the check cleared, I'd have my title in 30 days. I called them 30 days later asking why the title hadn't arrived. They said that they had shipped it to my insurance company. My insurance company sent the title back. I've called them multiple times throughout the years and they always say that it will get here in 30 days, but I never receive it. Now US Bank has lost the title and insists that I have to go to the DMV to pay for a new one
Complaint sub-issue: Investigation took more than 30 days

I have reviewed a copy of my credit report and I show company XXXX COLLECT ( Original Creditor : XXXX XXXX XXXX ) account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Complaint sub-issue: Problem with rewards from credit card

Discover card claims to offer " Price Protection '' but the service is administered by a third party that is difficult to reach, long hold time, claims to not have access to account information so all information including address, purchase, contact information including email has to be restated to individuals with limited ability to spell and speak English. When contacting XXXX about the issues with the service provider they claim to have no access to claim information including if forms required have been sent The following is the correspondence from XXXX ; Hello XXXX, I understand your concern with the Price Protection benefit on your account, and not receiving the emailed forms. We want to ensure your feedback is heard, and you receive the most accurate response possible. For this reason your message has been forwarded to my attention. I 'll be happy to further assist you today. 

I assure you that it is n't our intentions to keep these benefits from you or make it difficult to take advantage of the benefit, as we strive to treat each cardholder as equally and fairly as possible while making it easy to take advantage of the benefits on your account. When an email is sent to you, it typically takes up to 72 hours to receive that email. Because this benefit is handled with our specialty team, we are unable to view these details or resend the forms through this line of communication. To ensure that you are fully taken care of, please contact our specialty team at XXXX, and we 'll be happy to further assist you. 

Thank you for staying on top of your account, and providing us with your feedback. I have forwarded this information to the appropriate parties within our company, and we will review to see if a change in our processes is prudent in the future. 

Best Regards, XXXX Escalation Manager DISCOVER, CASHBACK BONUS and the other trademarks, logos and service marks used in this e-mail are the trademarks of Discover Financial Services or their respective third-party owners. 



-- -- -- - Original Message -- -- -- -- Date : XXXX XXXX, XXXX XXXX XXXX Subject : Re : General Inquiry [ # XXXX ] Message : I called the number regarding the price guarantee. I was told I would be emailed several forms for the various items. I never received them. Price guarantee is not why I got the card but because it was offered I tried to use it. Now I find out you make it impossibly difficult to use so it 's basically a worthless benefit. Offering something you have no intention of honoring is outright fraud. 

It has been over 72 hours and no email. Wasting hours of my time chasing down {$10.00} and {$20.00} price guarantee payments is not cost effective. Calling your XXXX number results in prolonged hold times. I can tell you what will be an efficient use of my time and that will be reporting your fraudulent business practices to the appropriate agencies. Your blaming the lack of fulfillment of your obligations on being unable to see details is the same excuse your specialty department used when filling out the forms that I did not receive in the first place.
Complaint sub-issue: Information belongs to someone else

Equifax has deleted an item from my credit report and put it back on. They are saying that XXXX XXXX has verified the item as belonging to me. I contacted the company in which it 's XXXX XXXX credit card they have my police report. This account was opened up fraudulently. When I talked to a representative at the Bank they stated that they never verified this account with Equifax as this account is in a separate department due to it being identity theft. Also, I sent the police report to Equifax back in XXXX and they keep ignoring it. The last time they responded it was a generic and unrealistic response. Here is the supporting documentation. Also, they deleted the item off the credit report on XX/X/16 and reinserted the item on XXXX without giving me notice prior to inserting it. This caused my credit score to plunge by 100 points and disqualify me and my family for a mortgage. It 's being reported as an installment loan instead of a credit card also it 's saying I recently defaulted on this payment in the last 3 months. Please remove this item as this is not a legit item. Please find my police report and supporting documentation. Also notice that no other credit reporting agencies are reporting this item only Equifax.
Complaint sub-issue: Public record information inaccurate

I filed a complaint with CFPB case # XXXX. XXXX XXXX responded to consumer and CFPB stating that the bankruptcy had been removed. Equifax, XXXX, and XXXX all responded saying that they had verified the information with XXXX XXXX. XXXX XXXX is saying that they have not heard back from Equifax, XXXX, or XXXX  during the entire investigation process.
Complaint sub-issue: Information belongs to someone else

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX bankruptcy XXXX all ftc violations needs to be removed
Complaint sub-issue: Account information incorrect

I have been going back and forth with consistently trying to get things off my credit report. They first had my Information mixed up with someone named XXXX XXXX. Which I still feel its mixed. Because they are reporting information other places but when im sending disputes to them they are telling me the information is not currently reporting on Equifax credit file but its showing up everywhere else. I need this resolved as soon as possible this is really effecting my life and making it hard for me to get a house in the already hard complicated housing market.
Complaint sub-issue: Debt is not mine

Received a call from D2 management saying that I owed a payday loan from XXXX. I said that is it false and the woman said it is over 1100 that I owe. I said I know my rights and I want something in writing and she said that the have my SSN number but would only give the last four. She stated I would be in big trouble and then I hung up.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2022 I contacted all three credit bureaus ( XXXX, XXXX and Equifax ) regarding unauthorized inquiries on my credit report and wrong addresses reporting also. They have not responded or removed the inaccurate information.
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 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: Their investigation did not fix an error on your report

Over the years I have disputed the way the Department of Education has been reporting my information. 
Loans taken out in XX/XX/XXXX, -XX/XX/XXXX with 36mo terms would have either become delinquent in first year or been paid in full by XX/XX/XXXXor aged off credit report in 7yrs of first delinquency. 
They are reporting first delinquency in XX/XX/XXXXas a means to keep on my report an additional 7yrs. They waited till the last moment to maximize the damage to my credit. 
Passing loans also does not make it a new loan or debt. Because multiple servicers have passed much of the information can not be verified. Loans taken out in XX/XX/XXXX-XX/XX/XXXX were sent to Great Lakes borrowers. Great Lakes has informed me they do not have record of who had loans prior or information about payment history. How is it possible to enforce this debt when chain of custody of these loans can not be verified? 
Both Great Lakes and Department of Education are reporting one loan in 3 ways. The department of education has split it in 2 and reporting as separate loans. 
They also claim I took out nearly 100k in student loans. I went to XXXX  college not an XXXX XXXX XXXX to be a XXXX. What lender would give a young adult XXXX to go to XXXX   college? A lender would not give a buyer 3 times a car value for purchase. It is not reasonable to believe I received this much. Both the lenders and schools have been unable or unwilling to show evidence I actually received any disbursements. I am unsure if my signature was used to falsely obtain loans I did not recieve or if signatures were forged. 
Each time I have disputed with credit bureaus or directly no changes are made except to increase balance. Even the number of loans they are reporting is inaccurate. According to the nslds.ed.gov website there are 11 loans yet reporting 15 on XXXX. Confirmed not another servicer. I believe there are duplicates. I have also requested proof of signatures and certification of debt. The only response I have received is a copy of master promissory note with an electronic signature. Not one hand signature to prove loans received. Master promissory note does not give dates, amounts, disbursements, interest rates or any financial information whatsoever. Truth in lending act states they are required to be forthcoming with this information. 
I want this information removed from my credit report as it has adversely affected my life and even cost me a job offer.
Complaint sub-issue: Problem with personal statement of dispute

I have submitted a dispute complaint with XXXX, XXXX XXXX, XXXX in regards to a account that is not minds and the account is reporting 3 different balances due. the company did properly investigate the matter. the only remarks on my credit report was the balance updated to the same amount and also dispute resolved. the did not follow the proper investigation per the FCRA,
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. I'm hoping that these disputed accounts get deleted. 
XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Other problem getting your report or credit score

I'm trying to apply for a Mortgage/Home loan. While my lenders perform credit check, they come back stating that the credit history doesn't exists and few come back stating FICO doesn't exists. Request you to help me in adding my credit history/FICO score.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX  opened XX/XX/XXXX amount {$7400.00} -FTC Violation XXXX XXXX  opened XX/XX/XXXX amount {$5100.00} -FTC Violation XXXX opened XX/XX/XXXX amount {$300.00} -FTC Violation XXXX XXXX  XXXX opened XX/XX/XXXX amount {$320.00} - XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX amount {$140.00} -FTC Violation XXXX XXXX opened XX/XX/XXXX amount {$900.00} XXXX FTC Violation XXXX XXXX  opened XX/XX/XXXX amount {$3000.00} -FTC Violation XXXX XXXX XXXX opened XX/XX/XXXX amount {$4700.00} These are all inaccurate information on my credit report. This is a FTC Violation
Complaint sub-issue: Their investigation did not fix an error on your report

I asked Equifax, XXXX and XXXX to investigate the reporting of a bankruptcy and to provide proof it was 100 % accurate, verifiable and complete. I also asked them to provide proof that its reporting correctly from the Court House and not a third party and delete if anything is incorrect.

1. I did not receive a corrected copy of my credit report.

2. I did not receive proof that it was reporting 100 % accurate, verifiable and complete.

3. I did not receive proof that the information reported came DIRECTLY from the Court House an not a third party.

4. The unverifiable information has NOT been deleted.

Three letters ... 3! How are they allowed to report information without validation? How are they allowed to ignore the law? How are they allowed to ignore me as a consumer?

The continued reporting breaks the law. I want this information DELETED.
Complaint sub-issue: Deposits and withdrawals

I was a victim of a scam ... I was advised by PNC Bank to close that account leaving it negative. Open a new one where all of my further deposits would go, I was refunded the charge of the two fraudulent checks, but none of my personal money was at all recovered.
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When opening this new account it was in everyone 's agreement that if my money was not recovered we could set up a plan of repayment to close out that account.
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This was two weeks ago ... .This morning I woke up to a Freeze on both of my accounts. I have been to branches and made numerous calls and every one is saying they are unable to help me until I pay the remaining balance of the of the closed account off. This was not the agreement and they now taken what little money I now have and put a hold/freeze until I make all accounts a {$0.00} balance. I feel like the only people I have on my side are now taking advantage of me. <P/>PLEASE HELP!
Complaint sub-issue: Information belongs to someone else

This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following accounts need to be removed as they are fraudulent. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Complaint sub-issue: Was not notified of investigation status or results

Information for ID theft and XXXXXXXX XXXX is for XXXX XXXX and Equifax and the whole thing is for XXXX  I recently filed a complaint attached the Identity theft report to it XXXX said CFPB can never do anything to XXXX so dont care showed them proof who I am and all personal information and the Identity police report they said they dont care now blocked me from calling writing and online paid account but still are taking money from my account here is a copy again of the police report so the FBI dont investigate XXXX for accessory to Identity theft. They said they will never do anything for this account its blocked law says if I cant dispute problems on credit or if I recently filed a dispute in writing and I did then everything I disputed has to be removed If you report information about consumers to consumer reporting agencies ( CRAs ) like a credit bureau, tenant screening company, or check verification service you have legal obligations under the Fair Credit Reporting Act 's Furnisher Rule. 
You must complete these steps within the same time allowed under the FCRA for the CRA to resolve the dispute. Normally, this is 30 days after the CRA gets the dispute from the consumer. If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) ' XXXX has had over 300,000 complaints and never fixed any of them all posted on XXXX and CFPB postings and this is in less then 1 yr. All XXXX XXXX   negative reporting is by XXXX XXXX procedures they are breaking signed contract from XXXX XXXX and have no amendment on file. so all the negative reporting XXXX XXXX  will be removed. All proof is attached to this complaint real forms that show XXXX XXXX is reporting information and lies this real contract shows proof and attachments show they payments were maid but XXXX is in lost mitigations and contract says no changes to account till investigation for loss mitigation is complete which means no credit reporting at all so negative reporting for XXXX XXXX needs to by law and contract removed.
Complaint sub-issue: Account information incorrect

XXXX XXXX is showing that my account opened with them was in XXXX of XXXX, which is incorrect. My account with them was open in XXXX which is also when they received a last payment from me. The branch was located on XXXX XXXX in XXXX, SC. All 3 credit bureaus are reporting different information. I tried to resolve this issue with the company several times. My account was not opened in XXXX. With it being opened it XXXX, which is well over the 7 year mark it should have been removed from my credit report. This company is not reporting accurate dates and the dates shouldnt have not started opened even if another branch received the account, its not lawful to do so. I will like this incorrect information removed from my report.
Complaint sub-issue: Card was charged for something you did not purchase with the card

At the beggining of this year, XX/XX/XXXX, my parents started to receive credit card statements under my name from Citibank. On these statements, they indicate that I made a purchase at XXXX for {$210.00}, but I never did. 
First of all, I never got the credit card related to this purchase. I was client from Citibank about 5 or 6 years ago. I got two credit cards and loan at that time and I always paid all my doubts on time. I never renewed the credit cards that have already expired. 
Nowadays, I'm living in XXXX. The last time that I traveled to USA it was in XX/XX/XXXX. I've called the bank several times to explain this but they insist to send the statements and harass my parents collecting a debt that is not mine. 
Please help me to solve this problem.
Complaint sub-issue: Information belongs to someone else

THE CREDIT BUREAUS FAILED TO DUE A PROPER INVESTIGATION INTO THIS MATTER AND STILL ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT.
Complaint sub-issue: Attempted to collect wrong amount

XXXX XXXX XXXX XXXX has sued XXXX XXXX for purported damages to a leased vehicle that either do not exist or were inflated. Any condition of the car resulted from normal wear and tear for which XXXX XXXX was not liable. XXXX refuses to supply the only evidence that it claims it has/had to show damage -- but refuses to provide : actual pictures of the damage. It appears that XXXX is seeking to collect money not owed in a deceptive fashion. Scores of other consumers are making similar complaints as reflected in XXXX reviews : ( XXXX ) Simultaneously, XXXX reports delinquencies to XXXX XXXX XXXX credit reports that bear no reasonable connection to the purported debt. XXXX is reporting a balance of {$64.00} on XXXX XXXX 's credit history but has sued her for {$2300.00}. Aside from misrepresenting dollar amounts, XXXX is misrepresenting the identity of the creditor to XXXX XXXX 's credit.
Complaint sub-issue: Information belongs to someone else

Dear Credit Bureau XXXX I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. IQ DATA INT. Account number, XXXX. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, and drivers license. I have also included a copy of my credit report with the account I am requesting to have verified. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. Sincerely, XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX, XXXX