Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

I have attempted multiple times to get an invalid collection removed from Equifax and   XXXX   (   XXXX   conducted their investigation properly and it was removed ). I have also filed complaints on the biller directly. The collection is from  XXXX   XXXX . This company has not been compliant with properly handling the billing dispute. I have filed several complaints, and they refuse to do the right thing. So I disputed the matter directly with the credit bureaus.      XXXX  is attempting to collect a debt for a service that was improperly bil led ( 2 bills total ). The bill was supposed to also go to my secondary insurance, however, it only went to my primary. I notified the original creditor about the error last  XXXX , instead of them billing both insurances, it was sent to collections ...  XXXX  removed one of the bills, but not the other. Both bills should be removed. Equifax has not removed them at all, and keep stating they are valid- which they are not.
Complaint sub-issue: Account information incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with DEPT OF ED/NELNET. I have always made my payments on time. For some reason, I realized that there were 90 days late payments on my credit report for the month of XX/XX/XXXX. I have read enough to understand my rights. The XXXX and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from these accounts. Below are the following accounts with erroneous information and need to fix immediately. 

DEPT OF ED/NELNET ***** Opened Date XX/XX/XXXX Balance {$3400.00} // Late Open DEPT OF ED/NELNET ***** Opened Date XX/XX/XXXX Balance {$4400.00} // Late Open
Complaint sub-issue: Reporting company used your report improperly

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

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

Acct : XXXX XXXX XXXX
Complaint sub-issue: Seized or attempted to seize your property

I was trying to refinance my mortgage and found I have a lien against my property for {$6800.00} from Department Stores National Bank from XXXX. I was under the assumption that this matter was agreed to and closed with XXXX XXXX Firm representing my Debt Relief Program with XXXX XXXX. 

This matter was not resolved by XXXX XXXX and I was not notified of the XXXX placed against my personal property. I would like to resolve this with Department Stores National Bank to eliminate the XXXX placed against my personal property at XXXX XXXX Ct XXXX TX XXXX but can not get anyone to call me back. My last correspondence was at XXXX on XX/XX/XXXX. 

I have copies of the Agreed Final Judgement only sign by myself from XX/XX/XXXX ( {$3800.00} payment plan ). Is there a way to obtain these records from XXXX XXXX? 

XXXX XXXX XXXX XXXX Ct XXXX, TX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

To Whom it may concern, After careful review of my report and study of my rights as a consumer under FCRA, FRA, it has come to my attention that there are several inaccuracies within that need to be corrected immediately. 
The accounts in question are below XXXX XXXXPursuant to 15 USC 1666 , late payments can not be placed on an open line of credit. The bureaus have assumed the responsibility of ensuring only accurate information is reported onto credit reports. This account is INACCURATE as I have never been late on a payment. Please Correct immediately. 
XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  WOW This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. 15 U.S. Code 1681m I was also NEVER informed of this account being sold, why was my personal information sold against my knowledge?? That is IDENTITY THEFT. This is a duplicate account reporting. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. 

THE FOLLOWING HARD INQUIRIES ARE NOT ATTACHED TO AN ANY OPEN ACCOUNTS ON MY PROFILE, NOR HAVE I GIVEN WRITTEN CONSENT FOR THEM TO BE PLACED ONTO MY REPORT. PURSUANT TO 15 USC 1681 XXXX XXXX XXXX XXXX If you can not provide the viable proof that this alleged debt is mine and has been reported to my credit, then it must be removed from ALL reports immediately. 
Upon receipt of this letter/email correspondence you are to CEASE & DESIST ANY communication via phone, text or email, ANY further communications are to be addressed via the US POSTAL MAIL ONLY..

AGAIN, Pease send validation of ALL THE ABOVE alleged debt to include documentary material, the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, charts, logs, electronic files, or other data compilations stored in any medium. 
If you can not provide the viable proof that this alleged debt is mine and has been reported to my credit then it must be removed from ALL reports immediately. 
Again, CEASE & DESIST ALL communication, via email, phone or text, you are ONLY to communicate with me via US POSTAL MAIL ONLY... 
Thank you, XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

I attended XXXX XXXX XXXX, XXXX XXXX, FL campus from XX/XX/XXXX XX/XX/XXXX. Upon the recruiting and enrollment period, I was misled by Admissions reps and the Director of recruitment about transferability of credits after XXXX from XXXX XXXX XXXX. 

I completed XXXX years and obtained XXXX degrees from XXXX and none of my credits were transferable to any other college. 

Shortly after my XXXX, XXXX XXXX XXXX were under investigation for providing fraudulent information about credit transferability, job placement grantees and false loan repayment plans. Recently, ALL XXXX XXXX XXXX campus were closed down by the Federal Government resulting in all degrees from the institute now being invalid. 

I and many of other XXXX are stuck with loan payments for degrees that are no longer valid. Because the authenticity of my college degrees, my only options for furthering my education is to start over at another college resulting in accruing additional student loans. Without being able to further my education, I am extremely limited to career advancement opportunities resulting in loss of better and fair pay for any future job opportunities.
Complaint sub-issue: Debt was paid

My credit report is currently showing a debt owed in the amount of {$270.00} to AFNI collections for a XXXX account. This debt has been paid in full. This debt was paid on XXXX XXXX. I am requesting that this debt be removed from my credit. Please find the XXXX account details below. 

Account Name : XXXX XXXX Account Number : XXXX Service Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Close Date ( on record ) : XX/XX/2015 Balance Owed : {$270.00} I had my XXXX XXXX, at XXXX XXXX XXXX, disconnect on XX/XX/2015 because my lease was up and I was vacating the apartment unit. 

I relocated to Utah shortly after. I committed to a lease ( please see lease attached ) and moved into a new home, located at XXXX XXXX XXXX XXXX, XX/XX/2015. 

To sign up for new cable service in XXXX, with XXXX, I went into the local XXXX store. It was there that a XXXX representative informed me that in order to begin new cable service at my XXXX XXXX, I would need to satisfy a past due balance in the amount of {$270.00}. I paid the {$270.00} in full, in the store and began my new service. 

This debt has been paid in full.
Complaint sub-issue: Account information incorrect

I have called on multiple occasions to verify the account is closed. I have been told it was processed and received an email stating this. The company XXXX XXXX opened a loan in my name that was funded with over XXXX  and I NEVER moved forward with the project. They did NOTHING to my home and I never met with them after the first sales appointment. I contacted XXXX XXXX  MULTIPLE times and was told I had to speak directly with the sales person who placed the order in order to have it closed. I texted, called, left voicemails to no avail. He refused to call me back. I called XXXXXXXX XXXX XXXXXXXX who funded the loan and they said the only way I could cancel the loan is to have XXXX XXXX cancel it. They refused to help as did XXXX XXXX. In the meantime, my credit tanked XXXX points and shows a balance of XXXX  as owed by me. I have spent hours contacting both of these companies and neither will process the cancellation. I believe this is FRAUD.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Requesting original contract, creditor information, payment history and proof of ownership for the debt amount of {$1200.00}
Complaint sub-issue: Didn't receive enough information to verify debt

Jefferson Capital LLC at XXXX # XXXX XXXX XXXX XXXX XXXX, AL has been sending me collection notices in the amount of {$1800.00}. I am not familiar with this company. I have not done business with, validated any debts, signed any contracts nor have I given this company my consent to report my personal information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act the below accounts 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 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
Validate/inaccurate reported late payments. the Fair Credit Reporting Act this dis
puted item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

Unauthorized/Erroneous Account RESULT OF the Equifax Data XXXXreach Direct Violation of The FCRA Reporting falsely Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

Mistaken identity/ does not belong to me.

Validate this false charge off it does not belong to me.

Verify This invalidated account.

inaccurate/invalidated account Prove it.

this account is false and not mine Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 

Sec. 1681a. Definitions ; rules of construction ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXXXXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX  XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Identity Fraud. Inaccurate and false info included in credit file.
Complaint sub-issue: Information belongs to someone else

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX {$900.00} XXXX XXXX XXXX {$820.00} XXXX  XXXX XXXX {$170.00} XXXX XXXX  XXXX {$200.00} XXXX XXXX XXXX {$850.00} XXXX XXXX {$4200.00} XXXX XXXX XXXX  XXXX {$4000.00}
Complaint sub-issue: Investigation took more than 30 days

Dear CFPB : I am desperately trying to get incorrect information off my credit reports with the three major credit reporting agencies. And while, I have made some gains, I have yet to get the information I requested from them to validate their claims. All I have requested from them are original documents with my signature and other proving information to validate these errors and NONE have complied with my request. 
Below, is a list of certified disputes requesting specific information to validate the information. What I received back was a boiler plate statement that reads ; this account has been certified as correct WITHOUT ANY supporting documentation which I am entitled to under the fair credit reporting act section 609. I am growing tired of submitting disputes only to be ignored with regards to my specific request. Attached are all the certified mail receipts to all of the credit bureaus. They have failed to respond to my request and in doing so, I am requesting now that every account be permanently deleted from my credit reports for XXXX, XXXX, and especially Equifax. 
I am in negotiations to finally purchase a home and this is DIRECTLY affecting my ability to provide for my family. Any help in this urgent matter is appreciated. 
Please see the account information and the certified letter dates of receipt of all request. These accounts have been addressed multiple times only for the bureaus to ignore my request for validation information. 
Attached documents : Equifax : 1. XXXX XXXX XXXX XX/XX/XXXX -No Information provided original letter attached and ignored response {$100.00} 2. XXXX  XXXX XXXX XXXX No information provided {$390.00} 3. XXXX XXXX - Not a collection. no requested information provided 4. Bankruptcy - Equifax claims to have verified this from XXXX XXXX but my XXXX XXXX  account was Frozen and validation from the court claims they do not send request to bureaus so How can they validate. the account name was wrong and should be removed. 


XXXX 1. XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX ( this is on my report twice ) this is a duplicate but they are acting like I went twice. I have no way to prove what I did not do. 
2. XXXX XXXX XXXX {$600.00} 3. Dept of Ed was closed in XX/XX/XXXX and assumed by XXXX yet they started reporting non payments. I DONT HAVE PAYMENTS TO THEM. sorry, not yelling, just frustrated.
Complaint sub-issue: Their investigation did not fix an error on your report

This is a re-submission of a complaint I made over 30 days to Equifax via this complaint process ( XXXX ). Equifax has never followed up nor acknowledged the problem I outlined in the earlier complaint. My hope is that the CFPB can motivate Equifax to correct the problem. 

Since XX/XX/XXXX, I have written four certified letters ( attached ) to Equifax regarding inaccuracies and FCRA violations of the XXXX XXXX XXXX XXXX account # XXXX on my Equifax credit report. They have not corrected the multiple problems I have pointed out to them nor have they included my Notice of Dispute for this account which is required to be done within 30 days of being notified. I have also reported to them that clear evidence of re-aging has occurred with this account. All of these actions are clear FCRA violations. According to Title 15 U.S. Code 1681i : Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), 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 reseller. The XXXX  account is shown in red on the attached letters with specific inaccuracies and FCRA violations which as of XX/XX/XXXX still have not been corrected : 1. ) An incorrect Date of Last Activity 2. ) Not listing my Notice of Dispute within 30 days of my notifying them. 3. ) An incorrect Payment History and Date of Last Payment 4. ) Clear re-aging of this account This account needs to be deleted immediately due to inaccuracies and clear FCRA violations.
Complaint sub-issue: Public record

I sought relief from a State of Ohio tax lien against myself from the Ohio XXXX on XXXX/XXXX/15. On XXXX/XXXX/15 the Ohio XXXX after conducting a investigation into my claim that the lien filed against me was not valid, agreed and cancelled to reflect a XXXX balance. I was sent documentation to file a release of the lien at the XXXX XXXX XXXX XXXX XXXX XXXX, which was filed and recorded on XXXX/XXXX/15. My request for relief included documentation to provide the credit reporting agencies to remove the public records from my consumer reports. On XXXX/XXXX/15 the Ohio XXXX sent on my behalf a letter to Equifax requesting they update my account record as voiding and expunging any reference to this lien. After review of my consumer report on XXXX/XXXX/15 Equifax reported the lien as released but still reporting. On XXXX/XXXX/15 I started a new dispute with Equifax to again provide documentation asking for this lien to be voided and expunging from report. On XXXX/XXXX/15 I received notice of the results of their investigation. The results were found to be reporting correctly. I am now seeking the help of the CFBP on this matter.
Complaint sub-issue: Account status incorrect

Dear Consumer Relations : The reason I am filing this complaint with your agency is due to CITIBANK N.A reporting the wrong open date as being XX/XX/XXXX re-age debt. The correct opening date should reflect XX/XX/XXXX, according to my contract which is attached to this complaint. 

Secondly, the account was sold to a collection agency XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, with a balance due {$6900.00}. Citibank has done nothing but inflated its balance in an attempt to collect more than what is due. This practice is fraudulent. Once the account is charged-off and sent to an outside collection agency, all charges shall cease by the original creditor. It is my sincere prayer that your agency lodge complaint into the issue stated. 

Regards, XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

i previously disputed XXXX XXXX on XX/XX/22 asking for full validation on this account letter was sent out certified and returned labeled. I have been fraudulently contacted by collection companies in the past for unsubstantiated debts. For this reason its that i was asking for full validation as i do not recall having account open. I never got a reply form bureaus nor original company but i did get my returned labeled signed by bureaus. So, I know they got my letter. But, still dont understand why they have ignored me! I ended up writing a second letter on XX/XX/22 as a 30 day no response still up to this date i have not received any documentation. I have not been notified account investigation has began and dates on credit report have updated this is not acceptable. Account is stating dispute was under investigation now resolved by XXXX XXXX XXXX  I strongly disagree as i have not been notified nor have i received any documentation verifying debt is mine.
Complaint sub-issue: Unable to open an account

I have been a client with Citibank for over 17 years I have a two checking account plus pior student loans that are now close and paid in full They send me Pre approve offer for a credit card so I apply then send me a letter like oh we are sorry we cant approve you at this time They are looking at wrong information and old information on my credit file
Complaint sub-issue: Account status incorrect

I have an account with XXXX XXXX XXXX for XXXX. The account has been closed since 2012 and is now showing open on my credit report. This information is inaccurate on my equifax report. This has affected my credit report with the wrong information. The account was opened 7 years ago and should 've been removed. I 've disputed this and now it 's showing all this different information on my credit report.
Complaint sub-issue: Account status incorrect

XXXX. Cut my limit from XXXX to XXXX I owe XXXX was never late and never missed a payment since having the card they hurt my credit rating and caused undo stress in these hard times this happened on XX/XX/2020 2020
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I never applied for the following credit card accounts. The following accounts listed on my XXXX XXXX, Equifax and XXXX credit report, are all fraudulent : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX
Complaint sub-issue: Received bad information about your loan

This matter pertains to my yearly renewal for IDR. 
Reported information and was asked to submit federal income tax, which I did. 
I was asked to send alternative information about income, which I sent paycheck stub. 
After sending paycheck stub, found out information taken from my GROSS amount was used to determine monthly payment. 
Then found out that the reason for using paycheck stub was due to answering " yes '' to significant change in income. 
I believe that question is deceptive and customers are lead to assume that change of income means making a lower amount ( which was my case ) as well as an increase. 
By using my gross amount as opposed to my agi, my payments went up 5x that of what they had been. 
It isn't right, affordable, or in fair practice for them to ask 5x the amount based on a person 's income who brings home less than half the amount of their gross pay. I am a teacher in MO and to begin with I have 14.5 % of my income taken out for retirement alone. On top of that, I have XXXX taken out for my portion of insurance premium. On top of that, I have XXXX taken out for XXXX ins. I haven't even got to my fed, state, and medicare deductions. This is a dishonest practice of fed loan and they need to make things right with my payment.
Complaint sub-issue: Trouble with how payments are being handled

I consolidated my loans with a third party that turned out being fraudulent. They falsified my information, saying that I had kids that I didn't have and was making {$0.00} ( I am a full time XXXX ). My payments to them each month went no where, as it says on the XXXX XXXX website that I have no payments made to my loans. They changed my email, phone number, and address to their information so I never heard that I was delinquent and behind in my payments from the Department of Education. I have filled out a complaint previously with a liaison of Congressman XXXX XXXX. The fraudulent company has switched their name once since I have been paying them and it is now called XXXX XXXX XXXX. It used to be called XXXX XXXX XXXX. I paid {$61.00} a month with them.