Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

i recieved a call XXXX trying to collect from an EZcorp account. XXXX management is the company trying to collect. XXXX according to CFPD.gov is not allowed to collect or sell the accounts to third parties and im recieveing a call as of XX/XX/2016 demanding payment on loan. I explained im filing a complaint with CFPD.GOV against XXXX management and she stated that she will be putting me on a do not call list!!!!
Complaint sub-issue: Their investigation did not fix an error on your report

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

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: Investigation took more than 30 days

I have filled a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Complaint sub-issue: Information belongs to someone else

I believe I lost my wallet where I held all my important information like id and social security card and etc. Ever since losing my wallet, I've notice unauthorized activity on my credit profile.
Complaint sub-issue: Account status incorrect

I 've called XXXX XXXX regarding 2 late payments, payments was sent but was not credited on time, they said they investigated an it was no problem on their side. I disagree and now credit report is showing late payment. I 've had account for 4 years with no late payments.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights. 

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

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

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

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

In accordance with the Fair Credit Reporting act XX/XX/XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XX/XX/XXXX XXXXXX/XX/XXXX Account # XXXX, has violated my rights. 

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

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

In accordance with the Fair Credit Reporting act In accordance with the Fair Credit Reporting actXX/XX/XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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: Difficulty submitting a dispute or getting information about a dispute over the phone

I have been trying to dispute an collection account with XXXX XXXX XXXX. I do not have a contract with this company so they should not be reporting to the credit bureau. I have tried to logon to my Equifax account and have been unsuccessful in doing so. It is telling me that my logon information is not correct and I have been using the same email account for years.
Complaint sub-issue: Information belongs to someone else

I have multiple accounts on my credit ( all three credit bureau 's ) report that do not belong to me, I have tried many times to get this corrected directly with the companies, but have had no luck doing so. I have the details that report to my credit and that is it, I have listed below. 

Accounts XXXX ) XXXX XXXX XXXX Account number # XXXX opened XX/XX/XXXX Balance {$5500.00} XXXX ) XXXX  XXXX Account # XXXX Amount {$4300.00} Opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX Account # XXXX Amount {$1300.00} opened XX/XX/XXXX I ALSO HAVE AN INCORRECT PAYMNT HISTORY TO THE ACCOUNT BELOW, THIS ACCOUNT IS MINE BUT I WAS NEVER LATE. I DID DO A PAYMNT DEFERRAL WHEN COVID FIRST HAPPENED XX/XX/XXXX AND I WAS ADVISED THAT THE PAYMNT WOULD NOT EFFECT MY CREDIT AND IT WOULD BE PUSHED BACK UNTIL THE END OF THE LOAN. COMPANY INFO BELOW AND ALL LATES THEY HAVE REPORTED AND THEY ARE ALL WRONG Account Name XXXX XXXX Account # XXXX Opened XX/XX/XXXX limit {$20000.00} Balance {$12000.00} They have reported my late on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXXThis is all wrong and should not be reporting this way~
Complaint sub-issue: Didn't receive notice of right to dispute

XX/XX/XXXX To whom it may concern at the Consumer Financial Protection Bureau : I would like to file a complaint against a collection agency by the name of MRS BPO , LLC. 

I received the attached collection letter on XX/XX/XXXX, from this, MRS BPO , LLC, claiming that they are collecting on an alleged debt that they are claiming to have acquired from XXXX XXXX XXXX XXXX. 

They are claiming that I owe an alleged debt in the amount of {$3900.00}, and I want to make it clear to MRS BPO , LLC, that I dont owe them, nor do I owe XXXX XXXX XXXX XXXX this alleged amount of {$3900.00}. 

I had questioned the balances many times on the card that I had been paying XXXX XXXX for, years ago, and I could never get adequate nor accurate answers. 

In XXXX I did have a XXXX XXXX credit card account, and I feel that XXXX XXXX deceived me with the rates, and charges that were being charged onto the account. 
Years ago I had contacted XXXX XXXX many times through their online account messaging center, as well as by telephone calls to them, inquiring about the rates, and charges that were being charged to the account. 

Many times I had made requests to XXXX XXXX for a reduction in interest rate on the account that I had, had, because the balance was going up drastically due to their usury charges, and fees. 
I had also requested if they would transfer the account to a lower interest credit card account that they offered, and each time my request was unanswered, or I had to resubmit my message through the message center, and their answer always came back as a NO. 

I have had no dealings with XXXX XXXX XXXX XXXX since XXXX, and they have been placing false status dates, and information onto my credit files, making it seem as though I have an account that I have been using as of present XXXX, and that is false, fraudulent information, they are doing this so as to destroy my credit. 

This collection agency MRS BPO LLC, has never contacted me to verify if I knew of, or to find out if I even owed this alleged debt, yet even prior to my receiving the attached letter from them on XX/XX/XXXX, they had been making annoying telephone calls. 

I am disputing this debt, and I want MRS BPO , LLC to remove any and all derogatory false fraudulent information that they have placed onto my credit files, and I am requesting that XXXX XXXX XXXX XXXX do the same. 

I have had no dealings with XXXX XXXX XXXX XXXX since XXXX, and it is wrong of them to place false status dates, and information onto my credit files, and I want it all removed. 

If there is an account with a balance due in the amount of {$3900.00}, XXXX XXXX has run that up themselves with their usury interest, charges, and fees. 
Then they pass on false information to the credit bureaus and collection agency without any notice.
Complaint sub-issue: Banking errors

I opened a Citibank checking account with the following bonus : Open a new Checking account in CitiBank Account package between XX/XX/XXXX and XX/XX/XXXX. 
After 20th day of the opening of the new eligible checking account, any owner of either eligible account must make a deposit of {$50000.00} or more in New-to-Citibank Funds into the new eligible checking account. 
" Eligible XXXX Accounts '' are limited to new or existing Citi XXXX Accounts in any package where the XXXX XXXX is a signer. 
The remaining balance requirement may be deposited into either the eligible Checking Account or eligible Citi XXXX Account. 
A minimum balance of {$50000.00} must be maintained for 60 consecutive calendar days following the 20th day after account opening.

Citibank credited me a {$200.00} bonus and is refusing to honor the {$700.00} bonus because " I did not meet the requirements of the offer, because my balance fell below {$50000.00} between the 20th and 80th day '', even though I was told by, and still have CHAT RECORDS, of their agent stating that : " If the {$50000.00} is maintained until at least XX/XX/XXXX, then it would be still eligible for the {$700.00} bonus. If the balace goes below that but there is at least {$15000.00} by this date consecutively, then the bonus would be {$300.00}. 
XXXX at XXXX, XX/XX/XXXX ''. My bank statements clearly show that I had {$50000.00} in the account XX/XX/XXXX, which is 1 day after the representative of Citibank stated. Yet I have called in numerous times and Citibank still refuses to honor their commitment. You can see all of the proof in the chat logs as well as their letter to my dispute.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

i have tried to have the Bankruptcy removed from my credit report because I'm trying to rent an apartment and I'm getting turned down because of the Bankruptcy on my report. I have complied with my legal requirements. I'm a single mother of XXXX children and I have finally graduated college and I have a great job now. Since I have relocated to XXXX from XXXX XXXX it is very hard to rent a place of residence with a Bankruptcy on your credit. They have a system to expunge Felons so they can get out and get a job so why I cant seem to get this Bankruptcy remove from my credit. I have satisfied my Legal obligation. PLEASE help me!!! 

thanks, XXXX XXXX
Complaint sub-issue: Report improperly shared by CRC

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2015 on EQUIFAX credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Complaint sub-issue: Debt is not yours

12 XXXX XXXX has been sending me collections in the amount of XXXX dollars. 
This collection has been reported past due. 
I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Complaint sub-issue: Account status incorrect

In XX/XX/2016 a missed payment was showing on all of my all of my Fed Loan Servicing student Loans. This is not accurate as I was in forbearance and was attending school at the time and should not have been liable to take a payment. I need these items removed immediately and the company is not researching out doing anything to help with this issue.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022 I mailed a letter of Dispute to Equifax it has been approximately XXXX days since Equifax has received my letter of dispute and i have not received any correspondence in regards to my dispute this process has really had a negative effect on my livelihood I firmly demand that the Accounts listed in my dispute be Deleted Promptly.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX  XXXX Payment Status : Paid Balance : {$0.00} Account # : XXXX Date Open : XX/XX/XXXX Last Updated : XX/XX/XXXX This account was to be removed from my report and to date it has not been completed. I can no longer request Equifax investigate the issue as they will not reinvestigate. Because the item has remained on my file it has impacted my obtaining credit as the vendors have specifically mentioned this item. Please remove this from my file.
Complaint sub-issue: Attempted to collect wrong amount

I set up a payment arrangement on the phone for {$50.00} a month. With their monthly fee it comes to {$57.00} and I set up auto payments from my checking. After 6 months I got notice it was going up to {$100.00} a month. I called to see if I could keep it at {$50.00}! a month with the holidays and money being tight. I was told for 3 months and I said I would call back after that to see if I could afford more or not. The next week my regular {$57.00} payment was taken out along with an additional {$110.00}. I called immediately and was told I could have it applied to other payments or get a refund. I told him I wanted a refund. This was on a Thursday and I was told to call back Monday if it was n't credited. I called back Monday was put on hold and told the supervisor would call me later that day. It 's now two days later and I still have n't gotten a call from a supervisor. I called back again and asked to speak to the supervisor and explain my situation to the girl was placed on hold again then she came back on and said they were working on it and a supervisor would call me back.
Complaint sub-issue: Problem with personal statement of dispute

I purchased a new XXXX XXXX XXXX from XXXX XXXX XXXX ( XXXX, Ga ) in XXXX. In XXXX I was informed to come in for a recall, they replaced the part on my car my car in XXXX. Since this time, I have been having constant issues with my engine burning oil irregular and causing my engine to stutter. Within this past year of XXXX XXXX, my car has been serviced over 6 occasions. I am part of National Engine Settlement against XXXX and their defective motors. The engine settlement claim denied my initial XXXX in claims of maintenance because of the issue not being one of their supported issues. 

Since XX/XX/XXXX, XXXX XXXX has had my car in their service shop without providing a solution to fixing my car. XXXX XXXX XXXX XXXX has serviced my XXXX XXXX XXXX for the same matter and keeps saying they cant figure out why my engine keeps stalling out on me. Ive been told by many mechanics that this is due to my faulty engine from XXXX ( A National issue ). Mechanics from XXXX XXXX ( XXXX XXXX XXXX XXXX, GA ), XXXX XXXX XXXX, XXXX XXXX ( XXXX XXXX, XXXX XXXX ), and XXXX XXXX ( XXXX XXXX XXXX, GA ) just to name a few shops within this past year alone. ( Georgia ) Ive been told by the Service Technician and Mechanics to let my engine die out and then Come back to XXXX with a claim for my engine locking up. Thats not fair to me as a customer.I need help disputing all charges for late payments since XXXX when these multiple charges for the same engine problem has affected my credit rating paying for car payments and multiple service visits at the same time. Along with rental car charges and inconvenience.
Complaint sub-issue: Didn't receive notice of right to dispute

Dear Consumer Financial Protection Bureau Representative, Today, XX/XX/2022, I received an alert from XXXX that Avante reported a negative item regarding an alleged debt. It is my understanding that : Under the Federal Trade Commission Consumer Law, A consumer must receive written notice ( known as a debt validation letter ) within five days of the collectors initial attempt to contact you. That notice must include the amount of the debt, the original creditor to whom the debt is owed and a statement of your right to dispute the debt. 

I would like to state I have no clue, who is Avante. I DID NOT receive any notification from Avante prior to the negative credit reporting of the alleged debt. 

My rights have been violated by Avante due to they did not notify me of this alleged debt nor allow me, as the consumer, the opportunity to gain knowledge, investigate, or dispute this item I am unaware of. I am seeking your assistance in immediately having Avante remove the negative reporting from the credit bureaus and discontinue any adverse and negative reporting on this item until the following are provided : I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgement ; 4. Documentation showing you are licensed to collect debts in GA. 

Upon receipt of any of requested information, I request 30 days to respond. Also, please ensure the creditor and the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 
Sincerely,
Complaint sub-issue: Old information reappears or never goes away

These addresses below are outdated! XXXX XXXX XXXX, XXXX, AL XXXX. 
I have asked the credit bureaus to remove the address from my personal info and they refuse to update my report
Complaint sub-issue: Information belongs to someone else

I am writing because I am beyond frustrated trying to correct what has been stated will be removed still showing on my credit report. My previous case here at cfpb where the case was closed with non monetary relief and the promise to delete XXXX XXXX from my credit report is XXXX XXXX. The account listed XXXX XXXX was opened with fraud and I have already gone ahead and had it disputed and investigators determined they will delete it from my credit files. It is still showing on my equifax and this needs to be deleted immediately as it is vilating my rights and specific laws.i have also attached my FTC identity theft report in which the fraudulent XXXX account was listed.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Original CreditorXXXX XXXX XXXX XXXX  now known as XXXX XXXX XXXX, lease an apartment from them. Roommate broke lease. There is a fee to break lease roommate refused to pay after I paid my half amount. Was never contacted by them for remainder. Get a phone call from Hunter Warfield on XX/XX/XXXX for amount. Wanted to deal with original creditor. The original creditor refused payment. Original creditor referred me to deal with collection agency. Requested verification of debt on XX/XX/XXXX Debt was verified. Started to negotiation with settlement for original amount of {$1200.00}. On XX/XX/XXXX letter was sent with amount of {$1200.00} with {$4.00} as interest. In original contract there is no interest. Debt collector is seeking to collect more than what is originally owed. In addition, tried to make phone contact onXX/XX/XXXX to settle account. Made phone calls at XX/XX/XXXX and XXXX XXXX  with the phone number provide to me in a letter at XXXX. Hunter Warfield did not answer phone during normal business hours. In addition sent email to XXXX XX/XX/XXXX with no answer. A letter was sent on XX/XX/XXXX with full amount of {$1200.00}. Hunter Warfield recieved check on XX/XX/XXXX via certified mail. Since that date Hunter Warfield has not cash the check for payment in full. Hunter Warfield sent letter to consumer suggesting that if payment is not receive then will put negative listing on credit report.
Complaint sub-issue: Called before 8am or after 9pm

I am being called by this debt collection company multiple times a day, every day of the week, and early in the morning/late at night. The calls are automated and a partial voicemail is left each time. I do not have any outstanding debt that I have failed to pay. The call is listed as Robo Caller by my cell phone company. I want this company to stop harassing me.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

This debt was paid with the company over 7 years ago. This company is threatening to seek action with the county attorney. Stating legal action will be taken immediately.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I paid for the rent cancelation of the amount of {$5600.00}. I was an authorized user on the account at that time. My husband disputed the transaction. I talked to XXXX  onXX/XX/XXXX at XXXX XXXX  the Discover representative and she told me that I am no longer on the account so I can do nothing about it. I made a transaction when I was an authorized user. If they let him dispute all my

transactions in all the years that I made it that would be incorrect. I have an invoice for the transaction,
Complaint sub-issue: Debt is not yours

I received a letter from Remex Revenue Management Excellence in New Jersey collection Agency claiming I owed a debt on XX/XX/XXXX but letter was dated XX/XX/XXXX. I replied to their letter on XX/XX/XXXX through Certified mail, asking to verify this debt they claim I owed. I also asked by certified letter that all communication must be done in writing. They had 30 days to respond to me with verification. Before the 30 days, they went ahead and added this debt to my credit report when it was still being disputed. I received another letter from them recently stating that I owed this debt and send me a ledger instead of my request to validate that I in fact owe this debt. I contacted the original creditor and it was confirmed by them that my insurance had paid for this procedure. Remex Revenue Management Collection Agency in New Jersey ( I live in XXXX County ) violated my rights by not providing proper verification pursuant to 15.U.S C. 1692g of the fair debt collection practices Act. They also violated the fact that it was still under investigation and yet added to my credit report causing a negative remark. I continue to dispute the validity of this debt and I ask that they immediately remove this from my credit report. I have read all their reviews and they seem they have a habit of doing this to people. By law, they are required to validate this debt with original statements and or contracts stating that I even owe them ( Remex Revenue Management ) any monies. This account has been sold from one collection agency to the other. Again, they are in violation of my rights pursuant to the debt fair practice act when this debt was paid by my insurance years ago.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they Violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts- XXXX XXXX XXXX XXXX XXXX XXXX  florida XXXX XXXX XXXX
Complaint sub-issue: Sued you without properly notifying you of lawsuit

Original debt was closed and processed by original creditor and then XXXX XXXX  purchased from secondary lender. Now the balances are completely incorrect from what actually was paid off as well as denied debt validation. XXXX also hasnt tried to reach me before going to court and filling a lawsuit.
Complaint sub-issue: Problem with rewards from credit card

I signed up for this Citi AAdvantage card on XX/XX/2019 with a promotional bonus offer of earning XXXX XXXX XXXX miles if I spend {$2500.00} within 3 months. 

I fulfilled the terms of the signup offer and Citibank issued the miles. 

Can Citibank please confirm that the miles were issued correctly, because XXXX XXXX is alleging that the bonus miles are not issued correctly and have therefore suspended my account. 

So I would like confirmation from Citibank on the bonus miles being correctly and accurately issued on their end so I can then get XXXX XXXX to lift the account suspension.