Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Contacted you after you asked them to stop

To Whom It May Concern, I am writing **again** about Ally Financials illegal business practices, as they contacted me again about a debt that they claim XXXX XXXX XXXX owes them. I originally opened a complaint on XX/XX/XXXX. You can find details from the original complaint by using the following CFPB File # XXXX. There you will see that I reported that the company contacted me and illegally disclosed Mr. XXXX 's debt and demanded not to be contacted by the company again. Ms. XXXX XXXX responded that she did not believe the company disclosed a debt but did state " we have taken the steps required to place a Do Not Call on the phone number ending in XXXX. No additional calls should be made to this number. '' Nevertheless, I received an additional call on XX/XX/XXXX, again requesting that I contact them about Mr. XXXX. 

I have kept the message sent to me through a fake phone number, XXXX, and contacted them today about **AGAIN** violating the FDCPA. The caller 's name was XXXX XXXX, or something like that, and her extension is XXXX. XXXX requested that I call her back at XXXX. I recorded the conversation just as their recorded message says the company does when someone calls back. The recorded message also VERY CLEARLY discloses the fact that they are trying to reach Mr. XXXX about a debt, as the message say they are recording the conversation for that purpose. In the recorded conversation, I notified another speaker who took the call for XXXX that they violated the FDCPA by contacting me AGAIN after I demanded no more calls and Ms. XXXX stated very clearly in the original correspondence that I would not receive any further. 

This is too much. The FDCPA has been violated and the company must be held accountable for their predatory practices. I do not owe them a debt and have requested that they stop contacting me, which they have not done. Instead, I have been harassed again about something that has nothing to do with me, and the constant harassment is deleterious to my health and well-being. This is **unacceptable. **
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax can not explain to me why my credit score has decreased. I use XXXX XXXX and my Equifax score is significantly lower than XXXX ( XXXX points lower ) and XXXX ( XXXX points lower ). On XX/XX/22 Equifax reported a XXXX point decrease from XX/XX/22 and per the XXXX XXXX 's credit report for Equifax the XXXX changes on my report were that XXXX of my accounts had a balance decrease. I spoke with an agent at CFPB and they informed that I should contact Equifax directly prior to filing a complaint with your agency. I got a free copy of my credit report from Equifax which has the exact same score as XXXX XXXX. I spoke with an Equifax agent and asked for justification of the decrease. He attempted to give me a lesson on credit. I told him I had a pretty good understanding of how credit works I just needed to know what changed in my credit to cause a decrease of XXXX points in my credit score. I told him that I have not used any of my credit cards in the last month to increase my balances, no late or missed payments, no new credits applications so to my understanding of how credit works my score at the very least could have only stayed the same but by the other 2 agencies my score had actually increased for the reason that balances were paid down. He attempted to tell me the same thing. I asked for the call to be escalated to a supervisor who attempted to tell me the same thing. I was told they did not know what my score was on XX/XX/22 and could not tell me why it decreased XXXX points. I would think if a company has so much power over something so important and critical to consumers today they must be held liable to justify the reasons for their actions.
Complaint sub-issue: Investigation took more than 30 days

I have been attempting to get access to my Equifax credit report online. This has been ongoing ISSUE for months. I submitted a complaint with the CFPB TWICE ALREADY, THIS IS MY THIRD COMPLAINT. I have been unsuccessful with Equifax themselves. They responded back that the issue had been resolved IN MY PREVIOUS COMPLIANTS. Which is incorrect the issue has not been resolved. I am still trying to access my credit report. I have disputed some items and I am still unable to view them because I do not have any access. THIS IS NOW MY THIRD ATTEMPT TO CORRECT THIS ISSUE. I CAN NOT ACCESS MY EQUAFAX ACCOUNT. PLEASE SEE ATTACHMENT BELOW. I AM ASKING THAT THE CFPB LOOK MORE INTO MY COMPLAIN EVERYTIME I TRY TO LOGIN INTO EQUAFIX IT DOES THE SAME THING. YOU CAN SEE THE ATTACHEMENT PLEASE ADVISE HOW TO MOVE FOWARD.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/22 to XXXX and Equifax to remove an erroneous account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and Equifax are required to remove any account or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : -
Complaint sub-issue: Debt was paid

I paid XXXX accounts with Americollect inc. on XX/XX/2021 for the amount of {$85.00}. 
Account number : XXXX {$10.00} Account number : XXXX {$50.00} Account number : XXXX {$25.00} I contacted them today, XX/XX/2021 to find out when this will be removed from my credit report. I was told by both the agent and the supervisor, XXXX, that it will remain on my credit report as a derogatory account, but will be marked as paid. XXXX also claimed they report daily to the credit bureaus, yet as of today, it is still listed as unpaid. I was told I would have to fill out a paper and mail it back and they would review it, and may make a 'complimentary ' removal of it. I was told by the rep that no accounts will be removed until all the separate accounts are totally paid.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Debt is not mine

I informed ICS collection back in XXXX and also I put it in writing that I do not owe XXXX {$77.00} which they have now put this information on my credit file for XXXX. I have an active account with XXXX more than 5 years with no outstanding debt. ICS refused to take this information off my account which brought my credit score down in the mist of me trying to buy a house. This company is placing false information on my credit report and causes my credit score to drop. Please advise me on what I can do @ this time. I would pay this {$77.00} but I do not owe XXXX anything other than my monthly bill. Please advise me what I can do at this time. My phone # is XXXX and their information is XXXX acct # XXXX
Complaint sub-issue: Information belongs to someone else

I've been trying to get this account off of my EQUIFAX credit report as it was removed from my XXXX  report. The account is fraudulent and is on my report unlawfully by the third party creditor XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never received any documentation from this company to this date stating that there's a debt owed to them. The account listed above is reporting inaccurately on my credit report and it is 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. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. 
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 or reported inaccurately. 
The law is noticeably 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.
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX S.S XXXX DOB XXXX This is the 4th time I have complain over the same issues. There are tons of inaccurate information on my credit report! My name is XXXX XXXX XXXX I would like the other spellings of my name removed. I have issues with miscellaneous unknown addresses on my file I never lived at please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX , XXXX GA XXXX XXXX XXXX XXXX   XXXX , GA XXXX XXXX XXXX XXXX   XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX , GA XXXX ALL OF THE ABOVE MENTIONED ADDRESSES ARE NOT MINE! It is possible a family member or work address but none of them belong to me never lived at these addresses.
Complaint sub-issue: Reporting company used your report improperly

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 Section 2 it also states a consumer reporting agency can not furnish a account with my written instructions. 

XXXX XXXX XXXX-Account # XXXX XXXX XXXX-Account # XXXX XXXX XXXX XXXX-Account # XXXX XXXX XXXX XXXX-Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.-Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

The account was reaffirmed on XX/XX/2022. The bankruptcy was discharged on XX/XX/2022 and DID NOT include the mortgage as we had already reaffirmed it. I have spoken with ServiceMac numerous times and they refuse to correctly update the information on our credit reports showing the accurate information. I have filed numerous disputes with all three credit bureaus and uploaded a copy of the reaffirmation paperwork that is signed by ServiceMac 's attorney, XXXX XXXX. They continue to keep the status the same even though they're reporting inaccurate and false information. They currently have the account listed as " petition for bankruptcy '' which is not accurate at all and is effecting our credit negatively.
Complaint sub-issue: Debt is not mine

I first disputed XXXX XXXX XXXX account XXXX with XXXX and XXXX through XXXX. Then, I sent a certified letter on XXXX XXXX disputing the account with both credit reporting agencies. Global Receivables Solutions responded to my dispute by sending a letter to my address that was addressed to my father. The collection agency claimed that my dispute was invalid and the information they reported is accurate. And as evidence of this, they attached a billing statement from the hospital that was in my father 's name. I have disputed this account again with the credit reporting bureaus and I called Global Receivables Solutions today to dispute and was told that I would have to wait for them to investigate. I do n't have time to wait. I am trying to find an apartment, and this negative mark on my credit report is making it difficult. I also called the hospital 's billing department today and they confirmed that they do not have any outstanding bills for me in their system with that account number, but they do have something in my father 's name with the same account number. I am tired of being given the runaround from these people. This mistake is causing me a lot of problems ; mental, financial, and emotional. And I just want the credit bureaus and collection agency to do the right thing and remove this inaccurate information from my credit report.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX a balance of {$890.00} from my previous place of residence was transferred to my account with XXXX  XXXX XXXX at my new place of residence. After this balance was transferred to my account my utility service was suspended and I was left without power. Upon contacting the Power company ( XXXX XXXX XXXX ) I was informed that my power service could not be restored until I paid a portion of the balance. On XX/XX/XXXX I made a payment of {$700.00} to XXXX in turn restoring my electric service. The remaining balance was paid off through the following billing cycles. On XX/XX/XXXX L J Ross Associates Reported to my Credit Report that I had a debt in collections in the amount of {$890.00} with the original creditor listed as XXXX  XXXX XXXX. As described above, the balance was paid in order to restore utility service and is no longer owed. On XX/XX/XXXX I filed a formal dispute through XXXX  providing this same information, and on XX/XX/XXXX I received the results of this dispute and the information was still incorrect. Upon receiving this information, I immediately called XXXX  directly and submitted another dispute over the phone on XX/XX/XXXX. Once again on XX/XX/XXXX the dispute results were returned and L J Ross Associates again failed to properly update the Information as the status column stated " unpaid '' the balance amount column stated " {$890.00} '' and the date of last payment column remains blank. This debt does not exist and must be removed from my credit report immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I spotted some discrepancies between reality and what happened in such credit report. Being said that, I did not apply for a XXXX XXXX credit card in the last 6 months. So XXXX XXXX Inquiry on XX/XX/2022 is not resulting from my personal action.
Complaint sub-issue: Information belongs to someone else

I have XXXX accounts in my name on my XXXX credit report that I dont have a clue about. XXXX is XXXX XXXX XXXX and the other is XXXX XXXX XXXX My idenity was stolen and used to recieve credit cards that I didnt consent too. I am filling this report to press charges.
Complaint sub-issue: Information belongs to someone else

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX $ XXXX {$10000.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$640.00} XXXX XXXX {$550.00} XXXX XXXX XXXX {$620.00} XXXX   XXXX {$3000.00} XXXX XXXX XXXX   XXXX {$4000.00}
Complaint sub-issue: Information belongs to someone else

" " '' I have disputed this collection on this UNKNOWN XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Complaint sub-issue: Reporting company used your report improperly

The account XXXX XXXX is reporting on my credit a balance of XXXX which is my ex spouses car loan not mine. I never agreed to be a co-signer on the account and Im asking the account to be removed off my account because I didnt authorize this on my credit and its negatively affecting my credit.
Complaint sub-issue: Problem during payment process

First Progress Credit Card has stole XXXX in forms of payments from my account and refuse to reimburse the money. I called their customer service and I was told that Mr. XXXX XXXX review my account and found the payments on the statements. I have all the statements printed out from the open of the account to close. The payments are not shown anywhere. I also requested a copy of the front and back of all the check ever cashed by First Progress and have them available for review. This is a prepaid card and not a credit card therefore all the money there was mine to begging with so but those payments been missing I consider this stealing. I have all the files ready for upload when needed. I also was sick from XXXX when all this took place and was not able to work so this had a huge impact on my daily life. Even right now is taking me time and money to try to get this resolved.
Complaint sub-issue: Information belongs to someone else

I have this account that is not mine and i want it to be removed from my credit report. 

1. XXXX XXXX XXXX XXXX XXXX Case Number : XXXX This is not mine.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX, Equifax and XXXX are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX and XXXX since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Complaint sub-issue: Not given enough info to verify debt

THIS ACCOUNT IS NOT MINE I FILED SEVERAL DISPUTES I PROVIDED DOCUMENTATIONS I AM HAVEING PROBLEMS WITH THIS CREDIDTOR I AM REQUESTING TO PLEASE REMOVE OFF MY CREDIT REPORT I TALKED TO THE COMPANY A FRAUD REPRENSATIVE STATED TO ME I AM NOT RESPONSIBLE FOR THIS ACCOUNT PLEASE EXPEDIATE THIS ACCOUNT
Complaint sub-issue: Reporting company used your report improperly

I ran my credit report and was infomred and read that Discover CC which the account is clossd is runnin gmy credit without my permission. the account is closed. Discover did this on XXXX, so I was informed to consider this as fraud and to report this.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX CFPB, Equifax is reporting an account XXXX XXXX ending in XXXX past its legal statute of limitations. The account had a date of first delinquency of XX/XX/XXXX up until XX/XX/XXXX. In XX/XX/XXXX the account was removed and reinserted on my file with a different date of first delinquency of XX/XX/XXXX. Therefore prolonging the reporting of the account by an additionaXXXX XXXX months. The date of first delinquency is set in Stone can not be changed. The account is over XXXX XXXX XXXX past its first delinquency. I have attached documentation of how it was reporting and how it is reporting now.
Complaint sub-issue: Banking errors

Citi bank announced offer of XXXX $ bonus for opening city priority package earlier this year ( as I did in XXXX of XXXX  ) with XXXX thousands dollars as a requirement to be deposited first 30 days and to be kept there for following 60 days to be able to receive this bonus after 120 days of Citi priority package and keep account opened for 6 months straight. 
I met all those requirements but when called city 6 months later after XXXX  XXXX to ask where is my bonus of XXXX $ was told that I was not qualified as when I was doing that online application there was some glitch in system that didnt apply the code correctly. 
I explained to them that the same month when I opened City priority and transferred money to that checking and savings account I called bank ( end of XXXX ) and specifically asked representative if code was posted correctly and I was qualified for receiving bonus the response was YES. 

Bank need to stick to their announced promises, not to give false and fraudulent promises to the customers while utilizing their money for their own benefits. 
If one banker said all requirements were met to get a bonus, the other banker several months later should not say contrary. They need to be in the same page. The glitch of the system is a vague and poor excuse not to pay bonus to the client after they use your money for 6 months straight!!!! Citi Fraud alert!
Complaint sub-issue: Their investigation did not fix an error on your report

I sent in dispute letters to the credit reporting agencies ( equifax, XXXX, and XXXX  ) and a validation letter to the collection company ( XXXX XXXX ) regarding two accounts ending in XXXX and XXXX and I keep receiving responses back from the credit reporting agencies and the collector stating the accounts are verified, but they keep failing to accurately verify the accounts in their entirety. I first started disputing the accounts with the credit reporting agencies in XX/XX/2018 and they continue to report the negative marks on my reports. They send me responses of verified without any proper verification. I sent in a letter of validation to the collection company and they just sent an itemized list of alleged charges. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. After continuous rounds of letters stating the section 609 ( a ) ( 1 ) ( A ), section 611 ( a ) ( 1 ) ( a ), section 611 ( a ) ( 7 ), section 611 ( 5 ) ( A ), and sections 616 & 617 these companies have continued to fail to comply with federal laws. The laws are very clear and my rights have been violated many times over now. Im sending in this complaint to you the CFPB because they have not followed proper guidelines and have violated the fair credit reporting act, the fair debt collection practices act, and have defamed my character.
Complaint sub-issue: Information belongs to someone else

I have submitted disputes about fraudulent information on my credit report. the credit bureaus are delaying and not giving my identity theft the serious attention it deserves
Complaint sub-issue: Information belongs to someone else

This company is still reporting Ive tried to dispute and spoke with company still will not remove my name is XXXX XXXX XXXX I never applied for this account and Ive never lived at address they are reporting I would like to get this items removed as this isnt me.
Complaint sub-issue: Trouble with how payments are being handled

I am applying for the XXXX time to have my student loans discharged since 2015 based on my total and XXXX    XXXX. I am attaching my Social Security Administration Award letter as a qualifying document. My application was denied the 1st time because Nelnet claimed my doctor did not sign off on my application ( he did ) and because they needed clarification from my doctor. My XXXX XXXX XXXX  attempted to contact Nelnet several times but did not return calls. The 2nd time my application was denied because they needed additional information from Social Security Administration regarding the Benefits Planning Query ( BPQY ) I used as supporting documentation. This time I tried to contact Nelnet several times but to no avail. Now Nelnet is threatening to garnish my monthly XXXX payment by up to {$700.00}. That would leave me with as little as {$540.00} to survive on a month.