Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Threatened or suggested your credit would be damaged

In XX/XX/2022, I moved into XXXX XXXX XXXX XXXX due to an ice storm damaging my primary residence. My insurance company paid for the bill through the XXXX XXXX. I moved from the apartment on XX/XX/2022. I had a walk through with their maintenance man. He pointed out manor damages. ( A torn blind, etc. ) About {$100.00} worth of damages. About 15 days later XXXX XXXX sent a final bill stating the ENTIRE carpet needed to be replaced because of dog XXXX. XXXX and I paid a pet deposit and a monthly pet fee. XXXX and I both requested pictures of the damages. XXXX XXXX stated that a " carpet specialist '' inspected the carpet after I moved out and DREW a diagram of where the carpet was damage. The also statement the padding had to be replaced so the carpet could not be cleaned. XXXX, XXXX XXXX and I all refused because XXXX XXXX did not provide proof of the damage. Now the bill has been given to a collection company and is affecting my credit. 

ProCollect , Inc # XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fr purpose.
Complaint sub-issue: Their investigation did not fix an error on your report

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ( Original Creditor : ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Report improperly shared by CRC

On XXXX XXXX, I called XXXX XXXX. to inquire about an offer I received in mail. I was ONLY inquiring. The sales rep asked for my social security number, and I immediately said, I'im not giving you my S.S. number because I do not want my credit report run at this time. I am only inquiring about your package. I have XXXX and was just checking to see if I can get a better deal for the money, and what was the catch with getting " same amount per month, no price increase for 2 yrs. Then he said OK no problem, just give me your name and address to to if we can have service in that area. After all as said and done, I found out I had to switch to XXXX XXXX XXXX phone service. I said thank you for your time, but i 'm not switching any phone service. Now, how they do it, I do n't know, but, the next day I get a notification that another Credit Inquiry went on my credit report with Equifax. I 've called about 20 people from XXXX and have names, ID # s, etc, and they all swore to me that they were gon na have it taken off my credit report ( s ). To date, they did nothing. I sent a letter, certified to XXXX XXXX and still, nothing has been done. I was told by an Equifax rep that XXXX XXXX needs to take that inquiry off their Data Base, otherwise, it automatically generates on Credit profile. Which is hurting my credit scores. Please help me get this off, so I do n't have to file Fraud charges against this salesperson for illegally getting into my credit report. I do n't know what info of mine he took from me, if any. Thank you, XXXX, N.C. XXXX / EMAIL ADDRESS ... .XXXX Please respond ASAP either via postal mail or email. P.S. I just read the bottom statement but do n't have picture of credit report to upload, buts it on Equifax. I can give you any info you may need to get it directly.
Complaint sub-issue: Other problem getting your report or credit score

XXXX  switched my loan to another lender it cause my credit report to drop XXXX points. This is so unfair as I thought I was not required to payback my loan as I am a current XXXX student. This loan was switched to Fedloan now I am confused upset, this is heartbroken to see on my reporter I am a homeowner and I am a very responsible person when it comes to dealing with my credit report. I just don't know what to do and how this could happen. Now they did send me a email stating that this change was happening again at NO request of my own. It was happening if I liked it or not.
Complaint sub-issue: Billing dispute for services

I SEND MORE THAN 5 DISPUTES LETTERS TO ALL 3 BUREAUS ( XXXX, XXXX, EQUIFAX ) AND A REPORT OF IDENTITY THEFT SINCE XX/XX/2022 THAT OVER 30 DAYS PASSED, THEY NEVER LIST THEM AS DISPUTES. 
I ALSO SEND 5 COMPLAINT LETTERS ON XX/XX/2022, THEY STILL HAVE NOT RESPONDED.

The credit bureaus have to inquire why my letters are unaddressed within 30 days.

CFPB has to contacts those credit bureaus to show the investigation that shows that the process was not completed within 30 days.

CFPB has to require that the credit bureaus remove the negative items from my credit reports.
Complaint sub-issue: Can't get flexible payment options

I received a loan from XXXX XXXX XXXX, which was backed by XXXX XXXX. Both companies went bankrupt one year later. I did n't receive loan information for several years, as it was being mailed to my parents home, not my current residence. When I tried to discuss my options, the company that took over the loan, American Educational Services, said that they had already put the loan in default, so I could start paying down my debt but at any moment the loan could go into default. The default notice was sent in XXXX. I spoke to them personally for the first time in XXXX. They will not talk to me about my payment options until the loan goes into default, which is entirely unpredictable at this point. In the meantime, I continue to get hits on my credit report. I currently have a nonprofit career and likely would have had IBR if I had information about the loan from the beginning. The amount to pay to fix my credit is insurmountable, and I want to start law school and eventually gain bar admissions.
Complaint sub-issue: Account information incorrect

My complaint is relatively simple. I have a few student loans on my credit that are not valid. First there is a loan on my credit that shows a balance of {$63000.00}. This loan is from XXXX University and is a federal student loan. Recently, on XX/XX/22, a new law agreement settlement came into play under Sweet v. Cardona. The Department of Education identified as having evidence of misleading job prospects, employment opportunities, and even how much students would earn after graduating. Former students of those schools who applied for debt relief are entitled to full loan forgiveness under the settlement, including reimbursement of payments they have already made to their lender. The XXXX XXXX. This CASE PRECEDANT, exclaims that I am eligible for full student loan forgiveness for the schools i went to, both XXXX University and XXXX XXXX. I have disputed this information numerous times and any denial is a direct violation of law. Stop playing with me, or you will get sued. I am not liable for the {$63000.00} federal student loan XXXX XXXX University ) on my credit from the Dept of EDUXXXX nor am i responsible for the {$3100.00} US Dept of EDUXXXX XXXX XXXX XXXX XXXX ), as expressively stated in the case precedent. The proof can be found here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNDER THIS SETTLEMENT I AM FULLY ENTITLED TO THE ENTIRE LOAN BEING RELIEFED AND ANY PAYMENTS MADE ON THE LOAN ARE DUE BACK TO ME. THIS IS THE LAW, YOU MUST ABIDE, THERE IS NO LAW OR SETTLEMENT STATING OTHERWISE. I WILL UNDER NO CIRCUMSTANCE TAKE NO FOR AN ANSWER. YOU WILL ABIDE BY THE LAW OR I WILL FORCE YOU TO BY MEANS OF A LAWSUIT. 

I AM NOT RESPONSIBLE FOR ANY STUDENT LOAN DEBT. THE LAW FORGIVES THIS. 

I DO NOT OWE ANY OTHER THE DEPARTMENT OF EDU LOANS ON MY CREDIT, ALL LOANS HAVE BEEN FULLY FORGIVEN AS THE SCHOOLS HAVE BEEN FOUND TO BE FRAUDS. THE MULTI XXXX DOLLAR SETTLEMENT IN SWEET V. CARDONA ALSO BACKS MY CLAIM. THERE IS XXXX REASON TO DENY THIS CLAIM. CONTINUED DENIALS WILL RESULT IN AN IMMEDIATE LAWSUIT.
Complaint sub-issue: Threatened to sue you for very old debt

I received a call on XXXX/XXXX/XXXX at approximately XXXX XXXX  on my work phone from XXXX ( XXXX XXXX XXXX ). The man stated I had an outstanding debt to XXXX XXXX XXXX XXXX in the amount of {$200.00}, and did I want to settle the debt by phone. I attempted to explain to the caller my credit card with Sears was more than 25 years old and I knew my mother had paid the debt in full. The call turned hostile when I asked the caller to provide details on the amount owed by letter or fax. He told me he did not have to provide details, I knew what I owed. He told me he knew where I lived, specifically providing my home address, he knew what kind of car I drove, ( XXXX ) and he would be calling my employer regarding this outstanding debt. I hung up without giving additional details. I called back at XXXX XXXX, after reading the specifics on the Federal Trade Commissioners website about the Fair Credit Act. A man who identified himself as the General Manager got on the call and proceeded in a more abrasive confrontation manner stating if I paid the debt by phone the calls would stop. I attempted to read the statute of limitations, the right to request details on the debt and the right not to receive threatening calls on my job or my personal phone. He stated a collections notice was mailed to me two weeks ago. I attempted to explain I had not received the notice and could he fax it to my attention. He said no he was not required to provide me with details, my debt did not go away no matter how old and I needed to pay or he would proceed with taking action by calling my employer, filing charges and suing me. I told him without proof of debt I would not continue the call and would proceed with the law, as regulated by the Fair Credit Act.  He was belligerent, unnecessarily hostile and would not allow me to speak. I hung up on the call again. I was no longer going to me insulted by his hostile voice, threatening tactics of calling my employer or coming to my home.
Complaint sub-issue: Information is incorrect

Collection was passed to Hunter Warfield from an apartment management company. Management company alleges I have unpaid fees- however I satisfactorily met all requirements in lease agreement. Disputing that I owe any funds.
Complaint sub-issue: Account status incorrect

Equifax continues to report delinquency with XXXX XXXX when none exited. XXXX XXXX  had a system platform update and my account was never transition to the new platform. Therefore, the reporting created by XXXX XXXX was an admin error.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX. XXXX XXXX XXXX Account # XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Investigation took more than 30 days

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

Per my previous complaint XXXX, Equifax advised they were able to find my credit file on their system, and that they would send me a copy of said credit report via mail. I received nothing in the mail and now Equifax customer service are unable to locate my file based on true and accurate information provided on my part. This being my 2nd complaint requires Equifax 's immediate response and effective action to deliver a resolution. Thank you.
Complaint sub-issue: Was not notified of investigation status or results

I have sent letters to each XXXX, XXXX, and Equifax on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Complaint sub-issue: Attempted to collect wrong amount

1) At time of sale with XXXX XXXX XXXX XXXX, their financial portal on the salesman’s screen of his phone read A) 9% APR B) 24 months interest free2) greensky sent a faux contract letter in the mail, stating my APR to be 3x (26%) as what it was at time of sale, and 6 months shorter (18 months) of I was also promised payments wouldn’t start until the project is complete, and the project won’t even start for another 2 months.Greensky is a sketchy company with shady APR. this is the second time they’ve done something like this to me. They have a policy of deceiving at the Point of sale.As you can see in the pictures below the salesman even signed into the contract “24 months interest free”I have tried to call several times, only once getting through the barrage of “select this number if you are...” to the right person, and they told me it’s the sellers fault. Which isn’t even plausible.
Complaint sub-issue: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and Equifax credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please investigate the unverifiable item/account/information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$0.00}
Complaint sub-issue: Account information incorrect

Dear CFPB, I am filing a complaint with you today to report that the XXXX XXXX XXXX XXXX 's collection team had reported a missed payment to the credit bureaus for a monthly payment of {$240.00} I had attempted to make on XX/XX/2019 for a personal loan that was due XX/XX/2019. My external transfer payment was authorized, however, never posted by XXXX. My bank, XXXX XXXX XXXX, also stated there was no rejection or block of payment for the month of XXXX on their rejection report. The Collection Manager from XXXX XXXX XXXX XXXX, XXXX XXXX, refuses to acknowledge their error and has continued to refuse retroactively removing the missed payment reporting, which has severely impacted my credit score. Can you please advise me on what rights I have as a consumer to repair the unfair action that has been taken on me? 

Please also find the email I sent to XXXX XXXX explaining my attempt to proactively amend the situation : Since XX/XX/2019 I have been corresponding with various members of your team regarding my monthly XXXX payment for my personal loan with your bank. I first proactively contacted the loan department about a payment I made on XX/XX/2019 that was authorized but not processed by your bank, asking for more information about why it had not gone through. Subsequently, your bank filed a missed payment to the credit bureaus for the month of XXXX even though I had made the payment on XX/XX/XXXX. I spoke with XXXX XXXX about resolving the matter and she stated she would investigate and get back to me. She never did. 

Then, I called a week later and spoke with a representative named XXXX. She stated the reason my payment did not post by your bank is because " I made a principal payment instead of a standard payment '' and that she would help me resolve this and get back to me. She never did. 

I proactively called back again on Monday, XX/XX/XXXX and was connected to XXXX XXXX, who asked that I send her a screenshot of the authorized payment listed on the 'My Activities ' section of my XXXX payment portal. I did, and she stated this was my bank 's fault. 

I have been externally transferring money from XXXX XXXX to the XXXX personal loan for over a year now without any issues. This is the first time this has happened. Not to mention, that the ACH team from XXXX XXXX stated that they have no record of any rejections for the month of XXXX on their reject report. 

When I told XXXX this, she went on to tell me the reason why I had a personal loan and when the last payment they received which I already knew for awhile now. 

I am seriously disappointed by this experience. The fact that I have been proactively reaching out to XXXX about a payment I made and did not get posted and to not have a single person assist me or tell me what is going on is, quite frankly, negligent. 

XXXX, are you able and willing to help me resolve this case? I would love to bring my account to current, but I need an assurance that the missed payment reported to the credit bureaus will be retroactively removed. 

-- - Thank you for your review and time. I look forward to hearing from you on next steps.
Complaint sub-issue: Information belongs to someone else

I reached out to the company explaining that I did have any service with them at all and I sent a police report for identity theft
Complaint sub-issue: Billing dispute for services

I never received nor applied for this loan. I contacted them and the credit score people to no avail. I need this corrected and removed from my credit report.
Complaint sub-issue: Information is not mine

I saw the name " XXXX XXXX XXXX '' on my credit report & I have no idea how that info ended up on my report. Therefore I am unaware what percentage of my score is responsible for that name. I need that disputed ASAP!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX DP OF EDUC Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Account information incorrect

The following account is reporting INACCURATELY. 

XXXX XXXX  XXXX Account Number : XXXX This account should not be considered late for 90 days 55 times. This account has been charged off since XX/XX/2014 yet is still reporting late. Please prove that this account was in fact able due for a payment on those dates after and prove that the owner of the account had legal right to collect payments for those alleged late dates or REMOVE THE ACCOUNT FROM MY REPORT. 

This account was also removed from XXXX I have requested paperwork proving the accuracy according to section 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Complaint sub-issue: Account information incorrect

I have disputed an account on my credit report however the creditor and credit bureau continues to update the account as a charged off account ... .Account is a paid account and I have payment confirmations proving account was paid in full via ach payments each month to settle the account.

A total of 7 payments were made in the amount of {$63.00} as agreed upon with Total card inc The original creditor needs to correct the account or delete the negative remarks on my Account. 
Account in question is XXXX/XXXX account # XXXX Account # XXXX