Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble with how payments are being handled

On  XXXX   XXXX , 2017 I sent this company a letter informing them that I will be sending them a check with a conditional endorsement which laid out the terms of an accord.  XXXX  shows that NELNET received this letter last   XXXX    XXXX , 2017 as shown in the attached copy of my certified mail receipt below and according to   XXXX   mail tracking website as shown in the attached files. I sent them a check dated  XXXX   XXXX , 2017 and they already cashed this check.
Nelnet failed to honor the conditions set forth by the check to delete the negative reporting from my credit report. I have attached a screenshot of my credit report proving that your company broke the accord set forth by the conditional endorsement check you have cashed.
This is a violation of California Civil code.
Complaint sub-issue: Information belongs to someone else

I was reviewing my credit report and noticed it contained a lot of errors pertaining to my Personal Information. I am requesting that you promptly update and delete the following unknown accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX. Please see the attached copy of my Driving Licenses and Social Security Card for your reference. For the record I have lived in the same residence for over 3 years. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is inaccurate. I am requesting the verification of the metioned accounts above, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Please delete/remove the following unverified accounts :
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX and Equifax continue to report erroneous info on my credit file. I have uploaded proof of payment for an account with XXXX XXXX XXXX XXXX and they continue to report the account as charged off with an unpaid balance.
Complaint sub-issue: Deposits and withdrawals

Citibank claims to have restricted my accounts yet they processed my payroll direct deposit check into the " restricted account '' denying me access to my income. 

On XX/XX/2021 I received an email from Citibank indicating that my All of my accounts are now restricted from receiving deposits or credits, effective immediately. I noticed there was an issue with my account on XX/XX/XXXX after a wire transfer that I had just successfully submitted was cancelled. 

At the the time Citibank decided to restrict my accounts I had a balance of {$12000.00} in the account. 

Despite the claim by Citibank that my account was restricted from receiving deposits, when my employer last week accidentally submitted a direct deposit to that " restricted account '' ( I had already successfully changed the direct deposit bank ), Citibank still went ahead and processed the check of the amount of {$3200.00} into the " restricted account. '' This happened on XX/XX/2021. XXXX week after restricting the accounts. 

This action by Citibank is denying me access to my income I rely on to pay my bills including mortgage due today. 

Since XX/XX/XXXX to day, I have called Citibank multiple times to find out the specific issue that resulted in the accounts restriction. However, I am always redirected to Electronic Fraud Depart where they do not tell me what issue caused the accounts to be restricted. At least XXXX times, the agents hang up on me and yesterday I was kept on hold for more than an hour for a call that lasted more than XXXX hours when I asked to speak to a supervisor/manager. 

XXXX of the Citibank Agents I spoke to yesterday, XX/XX/2021, was dismayed how it was possible to accept a check into a restricted account. I also spoke to XXXX other agents who promised to file internal complaints on the actions of Electronic Fraud and How I was treated on my calls to Citibank. 

Citibank Agents flatly refused to tell me how they accepted the deposit yesterday into the account they claim to have restricted!
Complaint sub-issue: Information belongs to someone else

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FDCPA SECTION 805 ( b ) & SECTION 809 ( b ) Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Debt and Collection Practice Act regarding your undocumented UNVERIFIED NO PROOF OF CLAIM information from my consumer file. I intend to pursue litigation in accordance with the FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX to seek relief and recover all monetary damages that I may be entitled to if the UNVERIFIED NO PROOF OF CLAIM items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
XXXX XXXX XXXX is the third company trying to collect Despite three Previous complaints and requests, there is still no PROOF OF CLAIM and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Furthermore, you have failed to provide any transfer title of ownership on the charged-off written of account. Please be advised that FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC. I demand the following accounts deleted immediately. ACCOUNTS : XXXX XXXX XXXX ( XXXX ) # XXXX, XXXX XXXX XXXX ACC BAL {$25.00}, XXXX # XXXX, XXXX XXXX XXXX XXXX {$1500.00}, XXXX XXXX XXXX # XXXX
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED IDENTITY THEFT REPORT # XXXX  and documents to assist in the blocking of the erroneous information which is being posted to my report. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Complaint sub-issue: Debt is not mine

Collection agency could not validate debt. Removed collection from only XXXX credit reporting agency file. Debt still remains in collections on remaining credit reporting agency files.
Complaint sub-issue: Account status incorrect

The credit bureaus never did a proper investigation According to the FRCA. The term investigate consumer report means a consumer report or portion there off in which information on a consumers character, general reputation, personal characteristics, or mold of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported or with others with Whom he is acquaintance or who may have knowledge concerning any such items of information. They did not do this. Also, they have violated my rights even more, in accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. The credit bureau stayed in my account was properly investigated but how is that possible if the open date is in accurate, The date last active is an accurate, and the date last report it is not accurate. This is ground for removal. They also valid through loud because according to 15 U.S.C 1681. section 602 A. States I have the right to privacy. 15 U.S.C.section 604 A section 2 : it also states a Customer support a Education a Furniture a Couch without my reading instructions. I did not give anyone written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 They keep saying the properly verified but have not!
Complaint sub-issue: Account information incorrect

Upon Discovery through my credit reports, discrepancies have been found due to inaccurate credit reporting done by Nelnet/Dep of Ed, to XXXX, XXXX and XXXX. I discovered 3o Errors on Each report. Which indicates that Nelnet/Dep of Ed broke the law by violation of FCRA LAWS. In Pursuant to FCRA 611 ( 15 U.S.C. 1681I ) I have found Error and Are pursuant to recover damages in small Claims Court. I have suffered defamation of character personal/emotional injury having my finical freedom impacted by their willful noncompliance. My discovery of their errors on my credit reports were discovered by myself on XX/XX/2019. On XX/XX/2019 I sent letters to Nelnet/Dep of Ed. via Certified US Mail, inquiring about the loans reported .They responded XX/XX/2019 Informing me my account required no adjustment. I then wrote them another letter XX/XX/2019 detailing every mistake and they never responded to the debt validation but corrected their errors online. this is illegal.
Complaint sub-issue: Information belongs to someone else

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute item do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$0.00}.
Complaint sub-issue: Reinserted previously deleted info

XXXX Removed this from my Credit Report and added it back on with out my knowledge. I have dispute this and they denied my dispute. I know have this redispute. I need to see how can I get this removed. I have not received any mail or telephone calls on this. I am really in the dark on this collection.
Complaint sub-issue: Their investigation did not fix an error on your report

AS A CONSUMER I, XXXX XXXX, HAVE BEEN THOROUGHLY ABUSED AND DECEIVED BY EQUIFAX THE CONSUMER REPORTING AGENCY. THEY HAVE PURSUANT TO 15 USC 1681 ( A ) ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
THIS FEDERAL LAW HAS BEEN SEVERELY BROKEN BY EQUIFAX AND THE FOLLOWING DOCUMENT PROOF WILL SUPPORT MY INJURIES THAT HAS SUSTAINED AMOUNTING TO XXXX AS A SETTLEMENT FOR THAT IN ADDITION TO XXXX IN VIOLATION COST OVERALL THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION THAT IS RECEIVED WILL BE USED TO FULFILL PURPOSE DUE TO THE COMPLETE AND UTTER CONTEMPT THAT THIS CRA WHO'S GRAVE RESPONSIBILITY IS TO ONLY REPORT INFORMATION THATS FACTUAL FAIR AND IMPARTIAL NEVER RETALIATORY AS WILL BE DECEIVED BELOW WITH THE EVIDENTIARY PROOF ALSO VIOLATING WILLFULLY THE FEDERAL LAW PURSUANT TO 15 USC 1692 ABUSIVE AND DECEPTIVE COLLECTION PRACTICES NOT ONLY BY THE DATA FURNISHER BUT THE REPORTING AGENCY AS WELL. JUST incurable AND DESPICABLE AND I EXPECT TO BE COMPENSATED IMMEDIATELY FOR THE DEVASTATION THAT I HAVE EXPERIENCED AND HAVE ENDURED BY FALLING VICTIM TO THEIR PREY.
Complaint sub-issue: Report improperly shared by CRC

An XXXX report indicated that Equifax provided my credit information to " XXXX, XXXX XXXX XXXX, XXXX '' without my permission on XXXX/XXXX/15. " XXXX '' is actually " XXXX '', which apparently has a very long record of this behavior. Thanks for your assistance!
Complaint sub-issue: Information is not mine

Equifax is listing an account from XXXX XXXX and a Civil judgment. Niether is the account from XXXX XXXX is mine nor the civil judgment.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act National Recovery Agency # 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: Attempted to collect wrong amount

In XXXX, I drove from Georgia to MA to visit my elderly mother. Many entities were conducting cashless tolls, including the Port Authority of New York and New Jersey. All of the signs I passed indicated that I would be mailed a bill. 

I never received a bill from the Port Authority, but several weeks ago, I received a letter, dated XX/XX/2021, from an entity called AllianceOne. There was scant information but it was trying to collect on a {$66.00} debt I purportedly owe to the Port Authority. The toll was {$16.00} and a fee was tacked on for {$50.00}. 

I called AllianceOne today to get information, fortunately, after I went to the Port Authority 's website. The website clearly states that the toll is {$16.00}, and the first late fee is {$5.00} after a month. After another month, they assess a {$50.00} late fee. I never received a bill. 

When I called AllianceOne, the person with whom I spoke on a recorded line said that the Port Authority does not have to send a bill, in case the person driving through the toll is homeless, and that it is my responsibility to call and figure out how to pay the toll over the phone. That is patently ridiculous and patently false. 

My guess is that the Port Authority and this company are working together, as the Port Authority is not sending bills, and then refers everyone for the extra {$50.00} fee, which they split with AllianceOne. This can't be legal. 

I wrote to AllianceOne today to dispute the debt and included a check for the toll amount, But they have to be ripping off lots of people traveling through the XXXX area. Please look into this.
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. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXopen date : XXXX XXXX XXXX XXXX XXXX Hard and soft inquires XXXX 

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 MAKER 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 REPORTING AGENCY IF THE PERSON KNOWS O
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Equifax submitted an errored report to a mortgage lender. The submitted report does not reflect the correct credit score and noted several account delinquencies that are not reflected on the credit report. When Equifax was contacted, they advised that these items are not reflected on the credit report. Therefore, they do not have anything to dispute. I, the consumer, was only made aware of this inaccurate reporting of the credit score ( possibly resulting in XXXX points lower than the actual score ) and derogatory remarks by the lender sending a document that summarizes what was reported to them. Equifax 's error in reporting the correct credit score resulted in an inferior loan rating and product offering.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX/2017 I submitted certified letters to the credit reporting agencies XXXX, XXXX and Equifax to investigate a mortgage being shown on my credit report. I also submitted a certified letter to the mortgage lender XXXX. I received responses from the credit reporting agencies but not from XXXX. The credit reporting agencies said they were not able to make any changes to my credit report. The mortgage is causing my credit score to be impacted severely due to late payments. The mortgage should be solely listed under my ex-husband and not under my name as I have not been responsible for it for over 6 years.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX was a victim of identity theft a few years ago.I have been trying, unsuccessfully to remove this account from my credit report .I uploaded all my docs and proof for you to see .so u can see some one open an account with XXXX Lending USA XXXX XX/XX/2019 over XXXX was done under my name with out my permission identity thieft I have try with XXXX  and XXXX lending but XXXX  lending is not in charge of account XXXX XXXX has it there a mix up on my credit report with XXXX it has XXXX  lending as current account holder but they dont have it no more XXXX XXXX has but never reported this is weird I have excellent credit this is XXXX me please help
Complaint sub-issue: Account status incorrect

Went into Conn 's XXXX XXXX to buy a gas stove and queen size mattress and box spring in XXXX. The mattress and box spring were not delivered being too big for my room. The payment amount for all three of these items was XXXX. I told Conn 's I am not going to pay that amount as I don't have all those items. I was advised to go into the store items were purchased and have them remove the mattress and box spring to get my payment lowered which I did ( XX/XX/XXXX ) and spoke with Store Manger XXXX XXXX. My payment went down to {$81.00} effective XXXX XXXX, XXXX. All payments have been made on time. Conn 's is refusing to accept this contract stating I had a prior balance and the manager did not add to the new contract thus it will not be accepted. The store manager did not see any balance owing and neither did. ( see attached ). So because of this Conn 's has been reporting me late every month to the credit bureaus as I am not paying the XXXX/month but am paying the new contract with just the gas stove ( attached ) for XXXX/month. Conn 's Credit Bureau Administrator also was contacted and acknowledge this new contract but still saying delinquency still valid. How? I make my payments on this new contract on time every month. My credit has been ruined beyond repair as now all my credit cards have dropped by Credit Line bringing my original score from XXXX to almost XXXX all because of Conn 's reporting inaccurate information. If they feel an employee made an error in transferring some amount they say I owed that is not any fault of mine. I am paying what the Store Manger stated I owed now on the gas stove monthly and make all payments on time. So not only are they reporting delinquency on payments but the amount they are stating I owe is also inaccurate. I called Conn 's XX/XX/XXXX to make my payment and the CSR XXXX put in a ticket as she seen three contract two which have been closed out as paid, the one for the XXXX amount and in another system the current one with the correct amount and balance owing ( attached ) she stated she did not know why it was not in the main system and thus filed at ticket. How do you ignore a signed contract and then say you are going to pay for the one with items you don't even have and then report me as late to the credit bureaus absolutely running my life right now. This has called unbelievable emotion distress and defamation of character as I have worked so hard on my credit building it up only to have it knocked down by something of no fault of mine. Why would I pay all my creditors on time and ruin it by not paying one? 
I have also attached the letter from Consumer Relations Ms XXXX who stated that " I deserved '' to be reported late and acknowledged that I did go into the store and signed a new contract. I don't want to have to get an Attorney I want Conn 's to admit their mistake and correct.