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

Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to the credit bureaus name of the credit bureau whose report has incorrect information ]. I have the below item in question listed below. 

Jefferson Capital Systems # XXXX This item is inaccurate and I am requesting that XXXX have the item removed my credit report immediately. 

Thank You
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has been non-compliant with removing the unverified account XXXX/XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that XXXX/XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Need information about your loan balance or loan terms

My FedLoan Servicing. AWFUL. I just want to know a rough estimate of payments for the next year. It's XX/XX/XXXX, and repayment plans will start soon and I have ZERO idea of how much my payments are going to be, or what my options are. I have currently been on hold for an hour and 30 minutes. 

How do they expect people to PREPARE to pay back a loan with NO information. It is awful. This is the longest I've waited on hold. I usually try the call back option, which never happens. What a scam. I can't believe the FEDERAL GOVERNMENT has done this to us. Making hardworking individuals jump through hoops to repay a STUDENT LOAN. It's crazy.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, NY XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you are reporting invalid, inconsistent information between credit agencies. 
Per viewing my credit report, I notice an account from your company with account # XXXX, XXXX, XXXX   and Equifax are reporting this account as derogatory with different reporting information. For instance, XXXX   reporting high credit as XXXX and credit limit as XXXX. XXXX reporting account balance as XXXX and credit limit as XXXX and Equifax is reporting high credit as XXXX and credit limit as XXXX, delete per violation because you can not report inaccurate information between credit agencies. 

In addition, per my pervious request, I submitted proof showing Equifax was reporting this account as current for the past 2-year payment history and how you changed it to C/O, because you know the information was inaccurate, now I have valid proof you agreed with my first request, delete this account per violation. 

Please be advised, I have enclosed a copy of the 1st reporting and the 2nd reporting as proof that the changes were made because I proved my first dispute was valid.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I was a long time customer of XXXX XXXX. In the spring of 2021 we started experiencing service issues on several of our phones and worked repeatedly with the company to get those issues corrected. There were numerous calls to their tech support line and after many attempts it became clear that they were not going to be able to correct the problems. We cancelled service in XXXX of 2021. They billed us {$380.00} after we closed the account. We disputed this credit card charge through our bank in XXXX. On XX/XX/XXXX we recieved a letter from our bank saying we had won the dispute. XXXX XXXX continued to seek payment of that debt. I sent a copy of the letter from the bank to XXXX XXXX on XX/XX/XXXX asking them stop seeking payment. They still continued to seek payment and threatened to send it to a collection agency repeatedly from XXXX. I got notification from Professional Credit Service that they were seeking payment for a total of {$610.00} on XX/XX/XXXX. On XX/XX/XXXX sent Professional Credit Service a dispute letter. On XX/XX/XXXX Professional Credit Services sent me an email requesting payment for {$620.00}. On XX/XX/XXXX I called them and asked them to drop the debt and they refused. I requested to be transfered to a supervisior and was a told a supervisor would call me.
Complaint sub-issue: Trouble with how payments are handled

This company is damaging my credit by reporting erroneous late payments. How can a payment be 90 days late within 30 days or with the month prior stating payment history is satisfactory? All these inaccurate negative reporting should be removed. 

Also, I did some research on the FTC website, and it states that this financial company was supposed to notify me within 30 days in writing before or after reporting ANY NEGATIVE INFORMATION TO THE CREDIT BUREAUS. 

I never received any notification. 

Negative Information from Financial Institutions -- If you are a financial institution ( as defined in the Gramm-Leach-Bliley Act ) that extends credit and regularly reports information about your customers to a nationwide CRA ( for example, XXXX, XXXX, or XXXX ), you must notify your customers that you report such negative information. Examples of negative information include a customer 's delinquencies, late payments, insolvency, or any form of default. FCRA 623 ( a ) ( 7 ) ( G ) ( i ) Please See Attached Document Showing Inaccuracies in reporting!
Complaint sub-issue: Public record

I have a dismissed Chapter XXXX that has been removed from my XXXX and XXXX credit reports however, it is still reporting on my Equifax credit report. XX/XX/2016 the dismissed Chapter XXXX no longer reported on my XXXX and XXXX reports. I contacted Equifax and spoke with several representatives and a supervisor. The supervisor informed me I could call back XX/XX/XXXX/XX/XX/2016 to request the item to be removed as it would be closer to fall off date. When I called today XXXX/XXXX/2016 to request the item to be removed I was told it stays on report for 10 years. This is not was I was told earlier this year and it is not what the other credit bureaus are practicing. Any assistance you can provide is appreciated.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX  more than 21 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Information belongs to someone else

When I was notified by  XXXX    XXXX   which purchased the account from  XXXX   XXXX  that I had a voluntary auto repossession account with them, I disputed this account. Then I notified the  XXXX  credit bureaus once the company was unable to prove that this account was mine, but they refuse to remove it from my credit reports.
Complaint sub-issue: Debt is not mine

I have sent several request to this company asking for removal of this debt if they can not provide me my signature as required by the law. They have answered by mail with a bill but refused to provide a validation of this debt by showing me a signature proving it belongs to me. They are violating the law by not providing me my signature as per my wirtten request
Complaint sub-issue: Information belongs to someone else

remove not mine ; FCRA. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY 1905 PRESTIGE LOOP XXXX, TX XXXX SINGLE FAMILY XXXX XXXX  XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, OH XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX APARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, CT XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, OH XXXX SINGLE FAMILY selling my information without my permission
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act 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. 
XXXX  # XXXX OPEN XX/XX/XXXX XX/XX/XXXX CLOSED BALANCE {$420.00} CHARGE OFF. DISPUTE DATES XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  # XXXX open date XX/XX/XXXX close XX/XX/XXXX XXXX  # XXXX {$740.00} Charge off {$1900.00} dispute 6 times open XX/XX/XXXX close XX/XX/XXXX Disputed 6 times XXXX XXXX {$800.00} # XXXX open date XX/XX/XXXX close XX/XX/XXXX XXXX XXXX XXXX {$240.00} open date XX/XX/XXXX still open Dispute 6 times # XXXX XXXX XXXX {$1300.00} # XXXX open XX/XX/XXXX dispute 4 times XXXX XXXX {$970.00} # XXXX Open XX/XX/XXXX XXXX XXXX {$470.00} # XXXX open XX/XX/XXXX disputed
Complaint sub-issue: Debt was result of identity theft

XX/XX/XXXX {$7400.00} fraud remove i been asking to get this remove for a XXXX XX/XX/XXXX {$2600.00} fraud remove i been asking to get this remove over a yr XX/XX/XXXX {$6300.00} fraud remove i been asking to get this remove over a yr XX/XX/XXXX Paid, Closed. {$1.00}, XXXX written off fraud Paid, Closed remove XX/XX/XXXX remove fraud XX/XX/XXXX removed fraud XX/XX/XXXX {$7.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$8.00}
Complaint sub-issue: Need information about your loan balance or loan terms

I have called XXXX XXXX several times and have spoken to different representatives that have informed me t that I qualify for the " temporary expanded Public Service Loan Forgiveness Program (  tepslf ). '' I know this to be true because I completed 7 years in the program and was placed in the wrong repayment plan for over 3 years so I am a perfect candidate. The problem is that the XXXX XXXX   representatives claim not to have access to TEPSLF and neither do individuals who have applied to the program. There is no phone # only an email address that does not respond.
Complaint sub-issue: Fee problem

Terms of the Key Banking checking account is that there is a $ 7 monthly maintenance fee if {$500.00} in deposits are not made. In XX/XX/XXXX, two deposits totaling {$500.00} ( {$250.00} each ) were made to the account but the {$7.00} fee was charged because the days of the month and statement dates did not line up exactly. Contacted Key Bank about this issue XX/XX/XXXX and they agreed it was an error due to the dates but said could not correct due to being " too old ''.
Complaint sub-issue: Didn't receive enough information to verify debt

I have contacted the collection agency and asked them to provide me with contract with my signature to verify that this is my debt to pay. The collection agency has not provided proof of this being my debt to pay. I also have disputed it through the three credit bureaus. 

I am unsure what else to do except seek further help in getting these matters resolved. Below is the name of the collection agency I have contacted and asked them to provide me with the above mentioned proof.

3. XXXX XXXX XXXX/Original Creditor : XXXX XXXX XXXX $ XXXX First time contacting this agency was XX/XX/2017. They sent me a print out but no signature.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts ; XXXX ( Date opened XX/XX/XXXX, Balance {$5200.00} ), XXXX XXXX  ( Date opened XX/XX/XXXX, Balance {$1900.00} ), XXXX XXXX XXXX XXXX ( Date opened XX/XX/XXXX, Balance {$19000.00} ), XXXX XXXX XXXX  ( Date opened XX/XX/XXXX, Balance {$18000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX 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 a account without my written instructions
Complaint sub-issue: Personal information incorrect

I disputed some credit reporting information with Equifax. They have sent me multiple emails regarding the information and how they have dealt with it, however, when I go to retrieve the information I can not access it. The online dispute center is either down, or it asks me to verify information that does NOT belong to me. Then I am told they are unable to get the information and I must speak to a representative. The information I am asked for belongs to my sister whom I shear a birthdate with- the month and day are the same, but the years are different. At this time we share an address as I am currently living with her, however, our credit information is NOT based on our living situation OR our birthdates. How in heaven am I able to get the proper information if this company will not allow me to access it?
Complaint sub-issue: Information belongs to someone else

I have several unauthorized inquiries on my Equifax from XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XX/XX/XXXX I reached out to Equifax and disputed the information and was unsuccessful I also have several unauthorized inquires on XXXX from XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I reached out to XXXX and disputed the information and was unsuccessful
Complaint sub-issue: Debt is not yours

I wa notified via mail that I had a payment due on an account. I did not request any products or services from this company. I contacted their fraud department and filled out their fraud affidavit as well as filed a police report. I forwarded all of this information to the company. USPS certified mail indicates that the company received this information on XXXX XXXX, 2017. There has been no further action from this company since.
Complaint sub-issue: Account information incorrect

The balance for my student loan debt is reporting multiple times on my credit report for different amounts, under the same account number.
Complaint sub-issue: Information belongs to someone else

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX,XX/XX/XXXX FLAGSHIP CREDIT ACCEPTAN add a hard inquiry on my credit report per XX/XX/XXXX On XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX On XXXX XXXX,XX/XX/XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have sent multiple letters to Equifax since they are the only ones reporting the inquiry from XXXX  dated XX/XX/2019. I asked them to remove this from my report as I never authorized XXXX  to run my credit file but after so many dispute letters, this inquiry is still on my report.
Complaint sub-issue: Account information incorrect

I have tried to resolve this issue numerous time through with XXXX XXXX directly and also a previous compliant with CFPB. My student loan account is being INCORRECTLY report. I was awarded a forbearance from XXXX XXXX XX/XX/XXXX and XXXX is incorrectly reporting late payment. XXXX claims that such reports would not be updated due to regulations the FCRA of the initial accurate reporting. Contrary to these assertions, by failing to update previously reported information, XXXX is in violation of Section XXXX ( a ) ( 2 ) of the FCRA. I have attached an FTC advisory opinion ( below ) which interprets Section XXXX ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that the XXXX XXXX ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. XXXX awarded me a forbearance starting XX/XX/XXXX through XX/XX/XXXX thus my payment history should report as such. * This fact is also stated by XXXX that they in deed granted a forbearance for that time period. XXXX ( a ) ( 2 ) clearly shows that the reports must be UPDATED/CORRECTED regardless of whether they were accurate at one point. I am requesting that in compliance with Section XXXX ( a ) ( 2 ) of the FCRA that the XXXX accounts showing a late payments from XX/XX/XXXX to XX/XX/XXXX be updated and/or corrected on my XXXX, XXXX, and XXXX XXXX reports. XXXX violations to XXXX XXXX ( a ) ( 2 ) of the FCRA and refusal CORRECT my credit report are currently causing damages to me personally and inhibiting me from receiving the best interest rates in my home buying process. Below is the link to the FTC advisory opinion I stated earlier. I have also attached payment history from web portal on the XXXX website showing my account coming out of forbearance and not starting repayment until XX/XX/XXXX. I have attached both screen shots and exported XXXX XXXX XXXX  : XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2020, I was alerted by XXXX XXXX that a hard credit pull was completed by XXXX XXXX XXXX through Equifax. I created an online dispute with Equifax on XX/XX/2020 because I have NEVER used XXXX XXXX XXXX for anything, nor ever looked into any of their services. I received a response from Equifax stating that is was a legitimate pull. I followed up with XXXX XXXX XXXX on XX/XX/XXXX and they stated that my SS # is not in their system, nor do they have a record of me requesting any kind of credit through them. That, in fact, it should never have been pulled and should be corrected. I was told by that representative that they would send a letter to Equifax, but when I called on XX/XX/2020, Equifax had not received anything and they stated that I needed to call XXXX XXXX XXXX again. Upon doing so, I spoke to XXXX XXXX XXXX  's Fraud department only to be sent to another XXXX Fraud department. That department put me on hold for an hour, twice, only to pick up the line and then drop the line. I have not been able to reach anyone else and no one is able to help me rectify this situation. I value my credit, especially in light of the present situation where I may have to seek funding elsewhere to provide funding for my business. I would like someone to please rectify this as soon as possible, but I am getting nowhere with either entity.
Complaint sub-issue: Their investigation did not fix an error on your report

Filed dispute with Equifax for two ( 2 ) transactions for XXXX each for XXXX XXXX. These are supposedly collections for XXXX XXXX XXXX. The two amounts in question were removed by XXXX   XXXX XXXX based on information provided to them via phone and fax in XXXX on XXXX. They advised I would be relieved of the amount owed and it would be considered a XXXX balance. XXXX   never sent a further bill. On XX/XX/XXXX, I was notified of two ( 2 ) collections items being reported for the above mentioned items. I filed a dispute and equifax simply verified the name and address and said it was valid. No actual investigation was done. To date, I have not received any correspondence from someone called XXXX XXXX.
Complaint sub-issue: Old information reappears or never goes away

I have paid on time for the last 5 years and it appears that regardless of what I do my credit score never gets better, which causes me problems when trying to refinance my home and obtain better rates. I'm inclined to believe that the three credit bureaus knows nationality based on names. I think as a consumer this should be investigated. Minorities do not and will not get the same treatment as our counterparts if we as a country don't look into matters that appear to be fair from looking from outside, but internally the bureaus have underlining agendas that we will never understand. Please take a look into these matters to make sure we are all treated equally as consumers. Credit suppression seems to also exist in this country as well.
Complaint sub-issue: Didn't receive notice of right to dispute

they contacted me XX/XX/2020 through email saying i owed my previous landlord an unpaid amount of XXXX it went on to say that i owed unpaid rent of XXXX or so as well as a late fee pf XXXX or so and a clean up fee for my wife smoking in the apartment of XXXX dollars. I then told them that I did not owe him anything, they replied by saying that they asked him for verification of the debt they then sent me an encrypted message containing my old lease agreement. I thanked them for the information but asked why do you think that I owe my landlord money there response was to report it as a debt on my credit report.