Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

I called Jefferson Capital Systems, today, XX/XX/2020. In an attempt to clear up, as in request a settlement on this collection notice on my credit report. I spoke to XXXX who was extremely rude, and constantly interrupted me and spoke over me. She gave me an amount of {$200.00}, to settle the account, to which I am in agreement to pay. I simply ask that they send me something in writing and I will pay it. They said they sent me something in the mail in XXXX which I have not received. I live in an apartment complex and our mail gets put all over the place. I have even had medication from the VA found in different mailboxes on at least two occasions. I said I would even take an email. I got tired of talking to her and asked for a manager. I ended up speaking to XXXX another extremely rude and disrespectful person. I told her that I would even accept an email while we were speaking on the phone and pay it over the phone. They refuse to send me anything until I gave my checking account information or debit card information. I cleared up an account with this company from a letter I had in my hand with an agreement. Please listen to the tape they have and you can easily hear me trying to make an arrangement to get this paid while be interrupted and spoken over which is very disrespectful.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Complaint sub-issue: Their investigation did not fix an error on your report

My account was supposed to be investigated but it was never validated and I was was never notified of how it was verified or the process of how it was verified!
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/22 to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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 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: Was not notified of investigation status or results

For the past 6 months all three credit reporting agencies have been ignoring my request of validation on the following accounts.

1. US DEPT ED Account Number : XXXX Please remove it from my credit report. 

2. US DEPT ED Account Number : XXXX Please investigate and delete from my credit report.

3. US DEPT ED Account # : XXXX 4. US DEPT ED Account Number : XXXX My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. The following accounts are reporting inaccurate information. The date opened on these accounts do not match and some accounts are duplicated. My request has been denied time after time, I just found out about the CFPB website after doing research about being ignored by these reporting agencies.
Complaint sub-issue: Deposits and withdrawals

My complaint is in regards to a check that was issued that was fraudulently cashed twice. 

I issued a check in the amount of {$97.00} dated XX/XX/2021 to my gardener, XXXX XXXX. This check was cashed on XX/XX/2021. It is check # XXXX. 

Then, a withdrawal was posted to my account on XX/XX/2021 for {$970.00}. The check # was also # XXXX. The date was changed to XX/XX/2021. The payee was written as XXXX XXXX. I do not know who this individual is. The signature was altered. 

It is very evident that this is fraudulent activity & I am unsure of why CitiBank is taking so long to resolve this issue. CitiBank made the mistake here by allowing a check to be cashed twice with different sums, different signatures, & different payees. Even though it is Citi Bank 's fault, they forced me to open a new bank account. If the mistake was made by the bank, why do I have to make a new account? I did it but it caused me great headache because I had to change the account with the services that I have been auto-paying. As of today, I have sent a few emails to the bank but they do not respond at all & they have not refunded the sum that they have mistakenly cashed. 

I am asking for your involvement please in order to settle this case.
Complaint sub-issue: Public record information inaccurate

ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 1. XXXX XXXX : This account I have never done business with this company error please delete. 2.XXXX : This account has inaccurate info 629 violation please delete. 3. XXXX XXXX : This is inaccurate in information no validation errors please delete. 4.XXXX : This is not a valid account error. I do not recognize this company no proof of claim information please delete
Complaint sub-issue: Debt is not yours

I recently pulled my Annual Credit Report from the XXXX major credit reporting agencies ( XXXX, XXXX XXXX, and XXXX ) and have noticed an entry in the Collections Column from IC Systems XXXX XXXX for a total of XXXX for XXXX XXXX service!! I do not recall EVER having owed ANY cellular phone provider. I have recently sent disputes to ( XXXX, XXXX, and XXXX XXXX ) for this debt  because i do not believe it belongs to me. I was recently XXXX across seas between XX/XX/XXXX-XX/XX/XXXX and believe this debt could be potential fraud!!! Please promptly look into this matter because this entry is  severely damaging my otherwise excellent credit history. Thank you.
Complaint sub-issue: Debt was result of identity theft

This can not be me because I have full coverage insurance and I have never heard anything about this. it just shows as a number on my report. there isn't even a company. unauthorized charges are hurting my credit
Complaint sub-issue: Can't temporarily postpone payments

XXXX University, American Education Services. Graduating in the great recession was difficult, dealing with AES is impossible. I just started XXXX businesses and I wanted to postpone payments to get back on my feet. I 'd done this once before to catch up. In XXXX, I 'd filled out the paperwork suggested by AES, faxed it in ( which is difficult, no one has a fax these days ). They said " that 's it you 're all set '' 3 months later I 'm getting collection calls at all hours of the day and night while my grandma was on XXXX none the less. Thanks! Finally I just paid the money so they 'd stop calling. The same thing keeps happening. I go through the trouble of filling out all this paperwork, sending my tax return and wasting time with customer service. Each AES representative has something different to say. This has happened several times. They assure me everything is all set, or that they 're sending forms via email and regular mail. Now I 'm not even getting forms. I 've had nearly everything I own robbed from me in XXXX. That was an awful feeling, the feeling AES is giving me is even worse. I 'm just trying to get my business off the ground and AES is there to ruin any chance of me succeeding, probably buying a house in the future. The only thing they 're good at is ruining my credit. I 'm confident that this is XXXX of the worst run businesses in the world. Oh and want to know about my other student loans, NO PROBLEM. XXXX of them is paid off in full. AES on the other hand is raping my financial stability. I studied XXXX and that was a walk in the park compared to dealing with AES. If you call their customer service, an automated voice takes 10 minutes to check if you were in the armed forces. I ca n't believe I owe this company money and I will certainly be looking for any alternative. A high interest credit card would be a better option in my opinion. I 'm absolutely broken by this company, words really ca n't describe how I feel. It 's not like this has happened once or twice. It 's happened so many times that robbing a bank seems like a sensible option to get rid of this loan. I bet if I had the money in my hand to pay off in full, it would be a huge hassle. I hope that something can be done about this. It 's completely unfair.
Complaint sub-issue: Account information incorrect

XXXX, Equifax and XXXX deliberate furnished erroneous and inaccurate information on my credit report on my credit report. After many complaints against this same issue, these 3 mayor credit reporting agency continue with the inaccurate reported account on my credit report. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

Prohibition : a law or regulation forbidding something
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I was looking over my file and I found that I had a few errors and addresses that I never lived at. I had some issues with someone using my information while I was living out of town. I never lived at the following adresses XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX please have them deleted because they may have been used to comprise my name and information. 
There are account that I do not recognize showing on my credit report XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX, XXXX XXXX XXXX. After careful review of my credit report, I notice that I owe an outstanding balance. I would like to let the credit bureus and collectors know that I am disputing these accounts. Under the FDCPA, and FCRA, I can request verification from third-party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC. Under the FDCPA Section 807,811 ( a ) ( 2 ), 1692 e ( 3 ), and 1692 e ( 10 ) ; and the Ohio Law 1319.12 ORC Taking Assignment of Debt, you failed to submit the proper documentations to validate the debt.
Complaint sub-issue: Account status incorrect

loan care morgage Service are reporting mortgage late on my credit report
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax refuses to remove fraudulent inquiries after several request for immediate and permanent removal from my credit report. These inquiries are from the same company XXXX on the dates of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I received a letter from Equifax stating that removal of the the inquiries dated XX/XX/XXXX with the confirmation # XXXX, but as I pull a recent report today the inquiries are still there.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I have a Home Depot ( Citibank ) credit card. Someone committed fraud against my account multiple times. I think it started in XXXX or XX/XX/2019, but I don't have all the information I requested. I was provided this information over the phone. XX/XX/19 the following charges : {$51.00}, {$480.00}, {$43.00}, {$250.00}, {$240.00}, {$3700.00}. I was told my total was {$1100.00}. They say my new total is {$790.00}. None of these purchases are mine. I did not authorize anyone else to make these changes. They could not itemize the charges. I only know they said that someone ordered a washing machine online. They delivered the appliance, but could not supply the address nor provide a copy of the signature of a woman who supposedly accepted the washing machine. It was not me. They said that I ordered tools, but I did not do this either. I have called Home Depot the following dates : XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX ( 3 times ), XXXX ( 3 times ). I have spoken to at least ten times. Each time I have insisted everything was fraud. I'm being harassed.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Around XX/XX/XXXX I spoke to a lady who worked for Sallie Mae ( XXXX ) about enrolling in a payment program and she had confirmed that all my loans were successfully enrolled. Months later I found out my biggest loan was not enrolled and they had reported my account delinquent to the credit union. This dropped my credit 70+ points over the span of two years because they told me that I had to pay XXXX to get the loan active. I reported them to this bureau and they worked with me to charge off the loan after they realized their mistake. They are holding my credit as a incentive to start paying my loan even though they were in the wrong and lowered my credit. Resulting in me not being able to rent a home. Fast forward to XX/XX/XXXX. I spoke to representavie XXXX who helped put me in a forbearance until XX/XX/XXXX. Confirmation # XXXX. Over a month later on XX/XX/XXXX, they are reporting to my credit that I 'm 45 days late for a payment even though my forbearance is until XX/XX/XXXX. They are calling me putting me non stop every day. Once I called them they have put me on hold for 45 mins now and have transferred me 8 times because the representatives do n't know what 's going on. I have spoken with the account manager XXXX ( XXXX ) who was very helpful and nice. I 'm just concerned about all the negative marks reported to my credit over the last 2 years that have caused me to not get approved for a home for my family in regard to Sallie Mae.
Complaint sub-issue: Their investigation did not fix an error on your report

Ask the company to remove 30 days late payment for the month of  XXXX    XXXX  .   Because its inaccurate, they agreed. It is still reporting on all  XXXX  credit bureaus. Many letters and calls nothing has change, now reporting inaccuracy that the account was closed by me. Called to see why this is being reported by all  XXXX  credit bureaus, they acknowledge the error and said they will correct it and it is still being reported.
Complaint sub-issue: No notice of investigation status/result

I am filing a complaint on Equifax because I have sent them a request for verification of debt ( I am attaching the letter I sent on XXXX XXXX, 2016 ) on XXXX accounts which I dispute which are currently being reported on my credit file. I asked them to provide me with specifics about their investigation and for a written response to contain those specifics. 
{ XXXX } They have not, as of yet, not responded to my request. It is past the time allowed for them to do so, and I submit that they must delete these accounts from my report as a manner of course, in order to protect my rights as a consumer, under the FCRA. Please ask that they either send me the requested information immediately or remove the accounts listed in my letter. 

Thank you
Complaint sub-issue: Information belongs to someone else

Ive failed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I havent received any investigation results.
Complaint sub-issue: Problem lowering your monthly payments

I have been struggling making payments for this loan for three months. I have been trying to get in touch with someone at American Education Services to fix this so I could get the loan out of delinquency and get on a better payment plan that I can afford. They always would tell me that I need to fill out financial information papers that they didn't have on hand and would print and send out. They told me it would take 10-14 days to arrive. A whole month has passed and it still has not come to my mail, which i check everyday. They have given me a hard time every time I call and ask for the papers and many employees give different answers from the others. This is going to ruin my credit as well my cosigners credit.
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/XXXX, I opened a Dispute on XXXX website with ELAN FINANCIAL SERVICES whereby I officially disputed all charges, which were all fraudulent and of an identity theft nature on my account from the date of XX/XX/XXXX forward, as I was XXXX  in a XXXX XXXX, and still am until XX/XX/XXXX ( currently in a XXXX XXXX  ). I uploaded the FBI letter from XX/XX/XXXX to Special Agent XXXX XXXX of the XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX  where I notified them of the crimes against me. Further, I included the Civil Court documents from XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX  where I sued the individuals responsible for stealing my life savings and committing identity theft and fraud against me for fraudulent credit card charges, etc. I was incarcerated and had no visibility and limited interaction with the world in prison. I did not authorize these charges and have notified multiple law enforcement agencies to that effect. XXXX XXXX and XXXX denied my dispute and state that all charges were reported appropriately on my account. It seems that they did not read the attachments, as this was fraud on all these charges after my imprisonment date. While incarcerated, all my accounts were assigned to the address in XXXX XXXX  of the perpetrators of theft against me ; this is fraudulent, as I never lived in XXXX XXXX. I have always been a citizen of XXXX ( except for 4 years I spent in a XXXX  XXXX during this term of XXXX XXXX and can clearly show this fact. Further, I am protected by the laws of XXXX  and per law, the statute of limitations on past due debt ends after 4 years of delinquency. It is against the law for anyone, to include debt collectors, from trying to collect on debt older than 4 years of age, period.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter last XX/XX/XXXX to remove these negative items ; Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after filing the complaint. Ive already included this in my previous Complaint # & I am including it again.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX occasions, XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX, my student loan provider, XXXX XXXXXXXX XXXX, has reported the XXXX separate accounts that I had with them as XXXX days late. I had a forbearance in both instances as I was in graduate school. 

I have disputed the account reported with my now-former loan service providers and the XXXX major credit bureaus on multiple occasions to no avail. These attempts have been since XX/XX/XXXX.
Complaint sub-issue: Account status incorrect

Equifax is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS DEPT OF ED/XXXX  XXXX not mine XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX  XXXX never late US DEPT OF EDU XXXX not mine
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I used my card to purchase a few pieces of clothing from a website XXXX for {$51.00}. Shortly after the purchase an email was sent stating items shipped. There was a broken link and no tracking number. When I went to the site it was shut down and I never received items. Citibank claims they got a response to my claim for the charges with 1 line of text just describing the order. No tracking information provided for proof of shipping. They are not refunding the money to me and dragging their feet to go after the scammers.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

I submitted a complaint dated XX/XX/2018 against a charge of {$400.00} drafted by XXXX XXXX XXXX XXXX XXXX on XX/XX/2018. The US Cards requested further documentation which was duly furnished. XXXX of the documents requested by them was a letter from a auto repair shop documenting the poor quality of services performed by XXXX XXXX XXXX XXXX XXXX. The document from XXXX XXXX XXXX XXXX XXXX enclosed here is evidence of such poor service. 

Vide their Letter dated XX/XX/2018, The US Card Co. declined to reverse this charge, although all evidence requested by them was duly furnished. 

By refusing to act, US Bank is encouraging bootlegging and money laundering activities by entities like XXXX XXXX XXXX XXXX XXXX, which holds no auto repair license from the California

Bureau of Automotive Repair. Their illegal activities pose a grave danger to public safety and well-being. The US Bank may be asked to permanently reverse this charge of {$400.00}. All relevant documentation will be furnished on request.