Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Information belongs to someone else

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that do not belong to me. The following account in dispute is listed below : XXXX XXXX XXXX XXXX NA # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX NA # XXXX, XXXX XXXX XXXX  NA # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX, OH. XXXX. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a complaint to XXXX XXXX on XX/XX/XXXX. 
I followed up with a phone call on XX/XX/XXXX to attempt to speak to someone regarding late fees due to COVID and improper management of my account. I spoke with someone and they could not access my account or even find t with providing the account number. I was placed on hold and then forwarded to " a specialist '' who said that the persons screen froze and they could not seem to locate me or my account ( even with providing the account number ) I was then told to hold on as I was being re-routed to the proper department where I was on hold for 35 minutes - NO ONE PICKED UP THE PHONE. At this point it is clear that XXXX XXXX does not have interest in addressing the COVID late fees associated with my account. They can simply be waived and my credit score can then go up so I may purchase another vehicle. 
I am the co-signer XXXX XXXX, a veteran of the XXXX XXXX and XXXX XXXX XXXX XXXX. 
The account number is XXXX, XXXX XXXX XXXX. The account is current.
Complaint sub-issue: Other problem

I filed an dispute with XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX-2017. Advised, XXXX XXXX XXXX to provide contract with my authentic signature. Moreover, should contract with my authentic signature not be available, delete tradeline from credit bureau. Advised XXXX XXXX XXXX that they are allotted 30 days to provide disputed results to me. Never received correspondence from XXXX XXXX XXXX.
Complaint sub-issue: Information is not mine

I have filed multiple disputes against unauthorized inquires, and a fraudulent report. Equifax is the only bureau that will not remove them. They said in their investigations they find them to be correct. Even with my court documents on the report, and my stating I did not authorize inquires, because I did NOT authorize them. They were sold from a third party, which I did not agree to. My signature authorizing them is not on anything and equifax can not produce them. 
One rep told me they do n't remove them regardless and they will remain on my report because that is not something they do. Even though the FDCPA states they are to remove them
Complaint sub-issue: Was not notified of investigation status or results

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.
Complaint sub-issue: Trouble with how payments are being handled

i have been requesting and trying to work out payment agreement with Educational credit management corporation for years with no resolution now all the payments that I have made over the years were not applied now my taxes were sent to this company when i was told this company no longer has my account when you start to dispute companies they transfer your information to other companies which makes it harder and harder to dispute and you are steady been charged ridiculous interest on the account. I received a letter XX/XX/2016 that this company will no longer hold any monies per federal law. please explain this to me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have many credit inquires that I did not authorize through Equifax.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Complaint sub-issue: Account status incorrect

AAIn 2018 I contacted all of the major credit reporting agencies about a collection account that was added to my credit report that violates the FCRA. Jefferson Capitol Syst did not contact me regarding this collection account prior to submitting to the credit report agencies and that is a violation of my consumer rights. I submitted documentation to have this account verified and removed and it was removed from credit report in 2018. This same account has reappeared and again, this account was not verified and this collection agency did not contact me prior to submitting it to the collection agencies. Also, this collection agency is not licensed to collect in the state of Nevada according the Secretary of State for Nevada.
Complaint sub-issue: Their investigation did not fix an error on your report

I DEMAND that you ONLY RETAIN VALID CERTIFIABLY METRO 2 format COMPLIANT DATA that is REQUIRED REPORTING per my state 's and or applicable federal reporting laws regarding the late payments on these accounts.
Complaint sub-issue: Old information reappears or never goes away

I Have been diligently contacting Equifax in order to remove a Consumer statement from my report Since XX/XX/XXXX for a month now. I have spoken to 3 different managers and 5 customer service representatives and they all say they have removed it and will be removed in 72 Hours and give a confirmation # but the Consumer statement still remains on my Equifax Credit Report eventhough I have no collections with Equifax. I need The CFPB to request directly to Equifax that the Consumer Statement be removed Immediately. Last 4 digits of my Social security # is XXXX.
Complaint sub-issue: Debt is not mine

I checked my credit reports and viewed that AFNI, Inc. placed another collection record on my credit report. On or about XXXX XXXX, 2016 I filed a complaint with the Consumer Financial Protection Bureau ( Case # XXXX ). On or about XXXX XXXX, 2016 AFNI responded to my complaint by stating they will cease communication and that AFNI, Inc. does not own my account. The amount that AFNI, Inc. wanted me to pay was {$550.00}. In reference to the recent actions of AFNI Inc. placing another collection record on my credit report which is damaging my credit worthiness and credit score stating that I owe {$220.00}. AFNI, Inc. knowingly and willingly violated the Fair Debt Collection Practices Act ( FDCPA ) & The Fair Credit Reporting Act.
Complaint sub-issue: Information belongs to someone else

i am a protected consumer. i know my rights. i certify that this request to block was made not in error, my request to block information was not based on a material misrepresentation, and i did not knowingly obtain or should have known that i obtained possession of goods, services, or moneys as a result of one or more of the transactions that i am seeking to block. under 15 u.s. code 1681-2 you must block all fraudulent accounts. since i attached my form of id, and social security card, this complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Complaint sub-issue: Card opened as result of identity theft or fraud

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX, XXXX.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022 I sent letter regarding inaccurate or unknown information on my credit report to this day over XXXX days plus later I have not received a response yet!! I feel I am being taking advantage of and or ignored of 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 well over XXXX  days so they should be deleted promptly. I demand these items be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted my the Equifax data breach and May have gotten into the hands of the wrong person.
Complaint sub-issue: Investigation took too long

Equifax refuses to remove an account from my credit report from XXXX. I have notice received through the Consumer Financial Protection Bureau from XXXX stating that they have requested Equifax to remove the account information as of XX/XX/2016. Today is XX/XX/2016 and Equifax continues to report this incorrect information. I submitted a notice through the CFPB with a copy and they ignored the letter. I am re sending this as a final notice that this should be removed. It is unfair for them to continue to damage my credit reporting
Complaint sub-issue: Personal information

There is a XXXX here of $ XXXX.I called XXXX XXXX They said it was sent to the wrong address My Insurance will pay the entire bill. I have no idea how it was sent to the wrong address.This was for a mammogram I had last year, I have never had to pay for one
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CU 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

I have tried to both TELEPHONE and sent WTO EMAILS to BB & T " Mt Banker '' concerning the problem on my checking account. 
1. I have scheduled to have my monthly Mortgage payment " sent '' to XXXX XXXX on 2nd day of each month - e.g. XX/XX/XXXX. There is no ePayment available from BB & T to XXXX XXXX and I complained about that to my previous banker who opened my account XX/XX/XXXX. Since the mortgage is due on the 5th day, I used the 2nd day to ensure no late mortgage payments. 
2. I initiated an online transfer of funds from XXXX XXXX to BB & T about XX/XX/XXXX, and received a confirmation that the " Transfer of {$3000.00} was complete '' at XXXX on XX/XX/XXXX. 
3. On XX/XX/XXXX, I received a text message from BB & T that there were two Overdraft Fees of {$36.00} each assessed on my account on XX/XX/XXXX and XX/XX/XXXX. 
I logged into my account and could clearly see the Posted balance each day was {$3500.00} and {$3200.00} and no items had been presented for payment to incur any Overdrafts on XX/XX/XXXX and XX/XX/XXXX. 
I phoned XXXX XXXX, Senior My Banker at BB & T and asked them to please REFUND THESE TWO charges immediately. I have not heard from them, and sent another email showing both the Screen Shots from Saturday XX/XX/XXXX - showing Posted Balance with no overdrafts for items Posted to y account on XX/XX/XXXX nor XX/XX/XXXX. 
4. I requested in my email to XXXX to meet to discuss how to handle regular Mortgage payments to XXXX XXXX as it seems BB & T does not have any e-payment process in place for XXXX XXXX - a major international correspondent back. As of today, Tuesday, XX/XX/XXXX, I have left two voice messages and sent two emails. I also emailed the {$3000.00} Transfer Complete message with email time stamp to BB & T. XXXX. Finally, today I spent 38 minutes on the telephone with XXXX in XXXX ( XXXX ) to try and understand why and how it is legal for BB & T who yesterday and today charged an additional {$72.00} and {$100.00} on XX/XX/XXXX and XX/XX/XXXX for overdrafts that have NOT YET POSTED to my account, and she says they start " processing '' mortgage payments and it takes two or three days and " BBT takes the money out of my account '' to arrange an ePayment to XXXX XXXX. But I do not show ANY Posted Items and NO OVERDRAFTS to result in any overdrafts. Also, CapitalOne completed a transfer into my account on XX/XX/XXXX - that has not shown up until TODAY, XX/XX/XXXX as " Pending '' in BB & T. 
FINALLY< I asked that they refund the seven BOGUS OVERDRAFT fees assessed totallying {$250.00}. They have refused and said they are allowed to take money out of my account in the back office to " prepare '' for a scheduled payment several days before that payment should be mailed. I DON'T THINK THIS IS LEGAL - and the Posted balance I view online should be the true and correct and accurate statement of the funds in my account!!!
Complaint sub-issue: Problem with product or service terms changing

I enrolled in XXXX XXXX all my account information has been changed contacts with company give me additional things I must do no assistance. They say have no record of my complaints accounts I bring up to them they say do n't exist. I lost many bit coins through idenity theft on line and in personal home from theft. Insurance company XXXX XXXX says they do n't cover. XXXX XXXX  does n't investigate and contacts with them have been deleted. All my personal accounts and emails have been changed unable to recover or taken over XXXX will not respond. XXXX has input trackers in my computers and cant get priority emails from any carrier I am loosing my carrier and my sanity. I am not getting professional links from XXXX and others cant navigate my finances have been effected to near bankruptcy all poss. in credit records deleted and all negatives from medical old ones have been put in place and I had insurance. I can get no credit from banks for financing projects. Transfers of funds and securities I have initiated all info has been lost due to cyber attack. XXXX has not acted when my phones have been cloned and have given me experimental phones which have caused lost data I have been through 8 computers and as many as 20 phones in 5 months.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please adjust the following items immediately : 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: Didn't receive notice of right to dispute

On XX/XX/XXXX a Request to Validate an Alleged Debt by invoking Title 15 U.S.C 1692g Section 809 ( b ) to an entity that goes by the name JEFFERSON CAPITAL SYSTEMS , LLC was sent and mailed via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Attached herein this notice and complaint is the proof that JEFFERSON CAPITAL SYSTEMS , LLC has accepted and received the Request to Validate an Alleged Debt ( the request is NOT a request for verification of debt ) on XX/XX/XXXX at XXXX as evidenced with the XXXX XXXX XXXX XXXX 

The consumer who provides this Notice and Request to Validate Alleged Debt ( NOT a request to verify debt ) reserves all their rights without waiver in accord to Uniform Commercial Code Section 1-308 and Title 13 Pa.C.S. 1308
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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 an account without my written instructions.
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 confidentiality under 15 USC 1681. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX  XXXX Account # : XXXX, has violated my rights. 
XXXX Bank Account # : XXXX, has violated my rights. 
XXXX and XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX Account # : XXXX, has violated my rights. 
XXXX Account # : XXXX ****, has violated my rights. 
XXXX Account # : XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX 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 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 than 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

XXXX XXXX at XXXX XXXX XXXX, PA XXXX I sent letters to this company XX/XX/2021 to verify that what is reported on my credit report is accurate. They have not provided me with any proof of verification and are still reporting inaccurate data on my credit report. 

1. XXXX XXXX The date of the last activity is different on every bureau report, the collection account is being reported as an open account, and Equifax is still reporting positive payments. 

2.XXXX  XXXX date of last activity is different on each bureau, Equifax is reporting on time payments, each bureau is reporting a different high credit amount.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

**THIS IS A FOLLOW-UP TO COMPLAINT # XXXX, WHICH WAS ALREADY FILED** On XX/XX/2022, I contacted Sallie Mae in hopes that I could negotiate some sort of financial arrangement to avoid my cosigner and I being reported to the credit bureaus. The customer service representative ( CSR ) that I communicated with, after being placed on hold numerous times, was finally able to to present the following offer to me in order to avoid being placed in negative/adverse status with the credit bureaus : a back payment, in the amount of {$270.00}, and a promise to pay the delinquent amount of {$970.00} upon next payday ( XX/XX/2022 ). 

I agreed to the terms as they were presented, and a payment, in the amount of {$270.00}, was processed/drafted from my checking account on file. I requested numerous times to the CSR to reiterate that the offer/terms that were presented would result in my student loan accounts not being reported as negative/adverse to the credit bureaus, and I was assured each time that those accounts would not be reported as such. 

On XX/XX/2022, I was alerted by XXXX that Sallie Mae did indeed report my student loan accounts as delinquent, which resulted in a decrease of my credit score by XXXX points ( I assume the same result occurred to my cosigner as well ). As a result, a dispute has been filed with the agency to investigate the situation. Also, my father ( the cosigner ) was just contacted by Sallie Mae via telephone as a reoccurrence of the constant barrage of harassing/annoying communication tactics utilized by the organization that were previously reported.
Complaint sub-issue: Account status incorrect

In accordance with the Fair Credit Reporting Act XXXX  Account # 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.