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

I filed a complaint with the cfpb which came back from the credit bureau stating that it was not me filing the disputes or complaint. I am the only one disputing the items on my credit that should have been deleted. This is an ongoing problem that hasn't been fixed. XXXX is still reporting on Equifax although they have showed that they no longer own the credit file and it is now owned by XXXX XXXX XXXX XXXX XXXX XXXX is still reporting on Equifax and XXXX inaccurately. XXXX XXXX XXXX XXXX XXXX have provided a letter stating the balance on the account which is in accurate and does not match what has been reported to the credit bureaus therefore needs to be deleted immediately. I have requested for both Equifax and XXXX to provide me with the proof of verification in which XXXX and XXXX XXXX XXXX is providing them and it has been over 30 days and that proof of verification has yet to be provided. BELOW is the complete I have previously sent the cfpb : : Year XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I filed a dispute with Equifax and XXXX for XXXX XXXX XXXX and XXXX and it keeps coming back verified within 7-10 days. 

I requested onXX/XX/XXXX a method of verification from both Bureaus for each item, I attached the past disputes, as well as the supporting documents from those creditors ; on XX/XX/XXXX if was returned as verified from XXXX and XX/XX/XXXX it was returned as verified from Equifax. When it returned as verified it did not explain how with the method of verification that the creditor is providing the bureau. 

XXXX XXXX XXXX is reporting inaccurate information on my credit file and I have provided both Equifax and XXXX with letters directly from the creditors showing that the information that is being reported is inaccurate. 

XXXX no longer holds this credit file and it is now being managed by XXXX XXXX I have provided both Equifax and XXXX with documentation directly from the creditor. I have spoken with XXXX and they have advised me that they no longer have the account and they told me to contact XXXX XXXX 

I have repeatedly over the past 2.5 months gone back and forth with these bureaus regarding this matter. I have requested a method of verification from Equifax and XXXX. They have both been unable to provide me with this information and is still reporting the 2 items on my credit report. The method of verification has not been provided at all. It is my understanding no investigation is being done and my documents are being ignored despite them showing and saying the documents and dispute have been received. The following 2 items XXXX XXXX XXXX   and XXXX need to be deleted immediately from Equifax and XXXX   due to it being inaccurate.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Best Buy added {$190.00} for XXXX XXXX charges that were to be removed. Contacted Best Buy, XXXX XXXX and was told this would be taken care of after speaking with 7 agents. Received statement with {$190.00} for XXXX XXXX, spoke with XXXX told me he would remove the charge. Next statement showed only {$190.00} credit was given, leaving a balance of {$7.00}. This was the {$5.00} balance and {$2.00} fee charged. I talked with 7 customer service members including supervisor on XX/XX/22. XXXX told me she took care of it. ref # XXXX. I then another statement showing a balance of {$9.00}, {$5.00} dollar balance and another {$2.00} fee charged bring the total to {$9.00} I once again tried speaking with customer service and was told I must have XXXX XXXX remove the balance and fees, then call Citi Card customer service back to help with any credit issues. I was also told by Citi cards it would be best if I went ahead and made the payment to stop the billing. 
I took all my paper work to Best Buy on Saturday, XXXX to the XXXX XXXX asking for a supervisor, however XXXX XXXX did not have a supervisor available, so a Best Buy supervisor came and talked with me. Her name was XXXX. After hearing and seeing all my paperwork and difficulty I've had she paid the balance off by posting {$35.00} payment to my account so it would stop the fee charges from continuing. 
However, due this error caused by the XXXX XXXX, my credit report was lowered by XXXX points, and I received a letter on XXXX from Best Buy stating " Based on recent review of your account, we found it necessary to decrease the credit limit on your My Best Buy Credit Card account. My limit was reduced from {$4000.00} to {$350.00} effective immediately. 
A note of interest is that the XXXX XXXX made this same problem two years ago on my account. 
I have never been late on this account before. I have sent over ten hours of my time trying to get a resolution. I feel very wronged and all I heard was I'm but it's someone else 's problem. Want I want is a full report sent to credit reporting ( XXXX ) to clear the wrong that has been done to me.
Complaint sub-issue: Received bad information about your loan

Nelnet engaged in Predatory Loan Practices.

1.inadequate or False Disclosure Nelnet hid or misrepresents the true costs, risks and/or appropriateness of a loans terms They sent multiple letters with different payment amounts and have admitted to doing so 2.Risk-Based Pricing Nelnet engaged in risk based lending by lending high amounts with no proof of ability to repay 3.Inflated Fees and Charges Nelnet did not disclose fees and credit effects to lender 4.Loan Flipping Nelnet bought the Loan and violations d FDCPA practices when buying it. It so packaged it as a 10 year repayment plan without the risk that only 1 missed payment could derail this plan 5.Asset-Based Lending Nelnet sought to give maximum amounts as opposed to tuition only packages to lender 6.Reverse Redlining Nelnet targeted off-site non traditional student for large loans without suggesting any guidance of effects of these large loans
Complaint sub-issue: Contacted you after you asked them to stop

When XXXX XXXX XXXX reaches out to me on XX/XX/2020 around XXXX oclock XXXX. They harassed me about paying a debt. Well i told them due to the pandemic Im not able to continue reoccurring payments. So I ended the conversation. Im getting my self together slowly but I dont need any ignorant people calling me. Times are hard now. I did give them two payments but I can not do anything at all right now.
Complaint sub-issue: Was not notified of investigation status or results

XXXX, XXXX, and Equifax have not complied in deleting accounts from my credit reports that DO NOT belong to me. I have disputed the inaccurate information with XXXX XXXX XXXX ( the collection agency ) on my credit reports and after several ignored attempts on their behalf to remove this inaccurate information I felt the need to reach out to CFPB as a final recourse before taking legal action. I really don't have extra money to waste for litigation but I will have to proceed if this doesn't get taken care of. I reached out to XXXX XXXX XXXX after they contacted me about 3 accounts that they claimed belonged to me. I informed them that I those were not my accounts and and disputed them and they sent me a letter saying the accounts had been validated. I knew this was a mistake and a thorough investigation had not been done because these accounts don't belong to me. I reached out to them in XXXX of XXXX and also in XXXX of XXXX requesting information as to how they " validated '' the debt. I asked them for the names of the original creditors, the account number, the amount owed, details regarding the age/amount of the debt, copy of the last billing statement from the original creditor, and any signatures of mine on any of the documents. I know they have 30 days to respond but each time I sent them the letter asking for validation info they ignored or didnt respond and I waited 60 days to send another letter and that letter never got a response either. I reached out to all XXXX credit Bureaus XX/XX/XXXX explaining what happened and they still have not removed these accounts from my credit reports. The collection agency failed to send proof of the debt but yet the credit bureaus aren't doing their due diligence in removing this inaccurate info. 
Accounts that need to be removed : XXXX XXXX XXXX Acct XXXX, XXXX XXXX XXXX Acct XXXX, and XXXX XXXX XXXX Acct XXXX
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX  : # 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 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: Reporting company used your report improperly

THIS COMPANY HAS NEVER MADE ANY ARRANGEMENT WITH ME TO STORE OR USE MY INFORMATION.
Complaint sub-issue: Information belongs to someone else

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX Equifax XXXX. XXXX  XXXX XXXX XXXX, GA XXXX I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX -- XXXX XXXX -- XXXX XXXX -- XXXX {$3000.00} REV {$1100.00} {$35.00} {$0.00} XXXX XXXX XXXX XXXX CUR WAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1300.00} XXXX {$1300.00} XXXX - {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Complaint sub-issue: Account information incorrect

I have  XXXX  account on my credit report that should not be on there never opened a car loan.        XXXX   XXXX   XXXX  Last reported :  XXXX   XXXX ,  2017  {$40000.00} Good  XXXX   XXXX   XXXX  Last reported :  XXXX   XXXX ,  2017  {$40000.00} Good This account is paid in full.      XXXX  Last reported :  XXXX   XXXX ,  2017  {$7500.00} This account  is 7 years old an d should have been deleted.      XXXX   XXXX    XXXX   XXXX   Last reported :  XX/XX/XXXX    {$3000.00} In Collections/Charge-off
Complaint sub-issue: Reporting company used your report improperly

equifax, Per 15 U.S. Code 1679c states You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information.. By law you are required to dispute and investigate anything that I deem inaccurate on my credit file.

This is my final attempt to have you willfully abide by the United States law before pursuing formal litigation against your corporation. I have sent numerous reports to your corporation and you have chosen not to comply with the United States law. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card per 15 usc 1681 and 15 usc 1602 ( i ) is ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. CONGRESS SAID ANY CARD, In this case the credit card is my social security card. This card was used to originate every consumer credit transaction below. Every item listed below shall be removed from my credit file immediately pursuant to 15 usc 1681a ( 2 ) ( B ). Furthermore, I have never given your agency the written consent to furnish my credit report pursuant to 15 us 1681B-In accordance with the written instructions of the consumer to whom it relates. Again I am demanding that you remove these transactions from my credit file immediately as you are willingingly violating my rights as a federally protected consumer under title 15 chapter 41. Results of your deletion should only be delivered as a response to my CFPB complaint. If you deliver your deletion results anywhere outside of where I the consumer consented you WILL be fine XXXX for mail fraud pursuant to 18 U.S. Code 1342.

Continuing your non compliance will result in litigation and a {XXXX} fine per violation. 

Items to be deleted immediately : XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX from XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Financial Inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX from XX/XX/XXXXXXXX XXXX
Complaint sub-issue: Can't temporarily delay making payments

Hello, and I hope all is well. Fed Loan Servicing continues to furnish repeatedly with the same account number XXXX with multiple late-payments. Due to the abundance of identical accounts, these actions from the credit reporting agencies caused a major decline in my overall credit and creditworthiness. Requesting one account with the overall amount owed.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I may be a victim of the XXXX XXXX XXXX and am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX, XXXX  XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. As proof of my identity, I will forward copies of my birth certificate, Social Security card and bank statements. 

If XXXX is unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 

Sincerely, XXXX XXXX
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

jhpde is a debt buyer who purchased my XXXX account. The account was listed in a Ch7 in late XX/XX/2021 and the stay is still in place. Creditor 's agent acknowledges the BK. XXXX has direct or constructive notice of the BK and willfully reported a collection on my XXXX XXXX report causing a XXXX point drop in my score on XX/XX/2021. I am in the process of assuming a mortgage and will not be able to because of this. They have not responded to my attempts to contact them.
Complaint sub-issue: Account status incorrect

XXXX XXXX  reported our HELOC late back in XX/XX/2020 due to software error. They responded with a letter acknowledging the app error and stated they would notify the credit bureaus to remove the late remark. 

It has been removed from XXXX, except Equifax and XXXX. 

We would like Equifax and XXXX  to remove this late remark from both our credit reports since it is affecting our credit.
Complaint sub-issue: Account information incorrect

Several years ago I spoke with a representative of XXXX XXXX XXXX. I told them that I had sold the business and the new tenant took on the responsibility of the utilities. I have a copy my credit report showing that they are still reporting me as responsible. I also have a copy of the Assignment and Assumption of Lease Agreement that specifically addresses the utility bill issue. I can upload them for your review.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX All these accounts were proven as fraud along with equifax has done nothing to fix it they have not once reached out to any credit card company on my behalf to dispute any information and this was confirmed by all the creditors up top above this statement. I personally called the creditors after 2 years of thinking the credit bureaus were on my side and they were not they are a bunch of XXXX frauds from other countries who tell you anything to get off the phone and never I mean never have a explanation as to whats going on.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6600.00}, {$810.00}, {$240000.00}, {$61000.00}, {$28000.00}, {$62000.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$810.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$240000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$61000.00} -This is not my account. 


-- INSTALLMENT LOANS 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$28000.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$62000.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Complaint sub-issue: Problem with fees

Repeatedly Citi CEO XXXX refuses to answer me. How outrageously rude! 

Citi is charging me {$40.00} per month for each month that there is a balance due and owing. 
And so the late fees are not astronomical. 

I shall not, shall never, pay these late fees no matter how many times Citi and its lawyers take me to court. 

My beloved wife XXXX and I live ONLY on Social Security and can not at all make ends meet. I shall never pay these late fees! 

I shall declare bankruptcy if necessary!
Complaint sub-issue: Debt was paid

About 4 years ago I went the XXXX XXXX XXXX XXXX for a XXXX issue. A portion of the visit was not covered by my insurance. I paid the bill I was sent to the address I had on file. I sent the final payment of {$37.00} on XX/XX/XXXX. Unbeknownst to me, the XXXX company had changed collection firms and I was supposedly sent a bill with a different address for remittance. I did n't learn any of this until nearly XX/XX/XXXX when I started getting phone calls at all hours of the day and night 7 days a week from XXXX in XXXX, NC. I sent them faxes of my cashed check showing I had paid. They said I had to contact a company in CA ( the XXXX XXXX XXXX XXXX?? ) which I did. They were rude and told me I had obviously paid the wrong people. I paid XXXX XXXX and they cashed the check. I suggested that they should be collecting from XXXX not me. Well ... the calls stopped for awhile but they circle around again for several weeks at a time. In my humble opinion they could have written this off 3 years ago - or better yet corrected their records as I DID pay the bill - and saved a lot more money. I no longer answer the robot calls and I do not answer the " real person '' calls as they do not listen when I provide them proof that I 've paid. It 's extremely annoying. I have moved since this all started and I am not sure I can put my hands on the original documents anymore. BTW - I NEVER received a past due statement except for the XXXX I ignored because I had already paid the bill. I NEVER received any communication from XXXX, the XXXX XXXX XXXX or anyone else until that XXXX phone call in XX/XX/XXXX.
Complaint sub-issue: Reporting company used your report improperly

IN ACCORDANCE WITH THE FAIR CREDIT ACT THIS CREDITOR HAS VIOLATED MY RIGHTS UNDER 15USC1681 SEC 602 STATES I HAVE THE RIGHT TO PRIVACY 15USC1681 SECTION 604A SECTION 2 UNDER CONSUMER REPORT AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTION UNDER 15USC1666B A CREDITOR MAY NOT TREAT A PAYMENT CREDIT CARD ACCOUNT UNDER A OPEN AND CONSUMER PLAN LATE FOR ANY PURPOSE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Account status incorrect

Flagship is reporting to XXXX XXXX, XXXX  and XXXX, I XXXX days late for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. While logged into my XXXX account it clearly shows no late payment for any on the month except XXXX and I have submitted to them the canceled check they cashed from my bank. I also have XX/XX/XXXX and XX/XX/XXXX payments to support all my payments to XXXX but yet they still refuse to remove the in correct information from my credit report. I will be happy yo email my proof of payments to you to support my dispute at request.
Complaint sub-issue: Can't use card to make purchases

My father purchased {$50.00}. gift card, MasterCard, from his local store and gave it to me for my son 's XXXX gift. The online site for " registering '' the new card was down during entire winter break, and thereafter, said the card 's number did not exist. Called customer support, and they can't pull up ANY history for the card ; they state the card number isn't in their database. This is a new card, never lost or stollen. This is theft by MasterCard gist card services.