Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

I have previously paid off a credit card but my report has not reflected this, it still shows I owe XXXX dollars on my XXXX XXXX account. On XX/XX/XXXX I paid the entire amount off so the balance is XXXX, however it still says 100 % of used of this account. I have contacted equifax, XXXX and XXXX  XXXX to dispute this. My fiance and I are house shopping right now so the sooner the better. I truly appreciate your time thank you
Complaint sub-issue: Account status incorrect

I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Investigation took more than 30 days

I am going to upload a copy of the letter that I sent to Equifax on XX/XX/2018. They have not responded to it yet.
Complaint sub-issue: Account status incorrect

Vance & Huffman is reporting a debt on my credit that is not mine. I recently checked my credit and noticed this debt. When I called to confirm if this debt, they were not able to give me any information that confirms this is my debt. Someone had called to make a payment and I advised them to send me an id and they didn't want to send me anything. This is not my debt
Complaint sub-issue: Inadequate help over the phone

My credit report showed a credit inquiry by your company that I do not recall authorizing I understand that you should not be allowed to put an inquiry on my file unless I have authorized it Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit This account is paid I have sent this letter because I need your prompt response to this issue Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed If you find that I am wrong and you did have my authorization to inquire into my credit report then please send me proof of this
Complaint sub-issue: Problem getting a working replacement card

I ordered a Brooks Brothers store Mastercard, issued by CitiBank replacement credit card after a fraud event and the card was lost. 

I ordered one replacement card that never arrived. After two weeks of waiting I ordered another after a call to their card services department. Three weeks later my card never arrived. Attempt # 3, I waited two more weeks for a card and it never arrived. I then finally received the card from Attempt # 2 and can not activate it. I am trying to do a balance transfer on this account and I can not be provided with my account number to do the transaction since they will not tell me over the phone despite being verified using multiple factor authentication. 

This is abusive practices under the UDAAP criteria the CFPB has published.

1. I can not avoid the injury since I am refused my account number even though I pass security measures.

2. I can not remove the balance on the card via transfer and have to pay interest while this balance is mailed.

3. I am denied use of my account since I have no access device.

4. I have reasonably attempted on numerous occasions to resolve this and my card never arrives timely. This includes using another house I own with a different address to ensure it is not an issue with the postal network.
Complaint sub-issue: Can't temporarily delay making payments

I have my federal loans serviced by AES. I was told that the relief for federal loans, no charge and no interest from XX/XX/2020 through XX/XX/2020 does not apply to my account because that relief is only for accounts serviced by federal entities not a private servicing company. I do not believe that information to be accurate and seek the relief afforded to federal student loans.
Complaint sub-issue: Information belongs to someone else

I've been disputing my credit file with the 3 credit reporting agencies XXXX XXXX and Equifax to correct the inaccuracies found on my credit file. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts, Open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving accounts high balance does not coincide. Last payment does not coincide, Equifax does not report my monthly payments made in the historical payment data history on any of my accounts, Inorrect Personal Information reporting Wrong social security number reporting. This type of recording is negative and damaging to my credit score and report and is in violation.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a fraudulent auto loan and a bankruptcy showing on my credit file. I provided an official police report and the bureau told me that they could not accept it and or remove this from my file because the report didn't have a logo on it. I call the detective that is handling my case and he even told the representative that it's an official report with a seal. Nevertheless the bureau wouldn't accept it. I told the my file must be mined with someone else. These items on my file are hurting my credit. Please help
Complaint sub-issue: Their investigation did not fix an error on your report

We are trying to qualify in order to buy a home and need our credit report corrected reflecting that this charge-off is paid with a XXXX  balance. I am unable to attach a copy of a letter from the credit card company indicating a XXXX balance and settlement of the charge-off. We have urged Discover to report this change to the credit bureaus immediately. We can not qualify to buy a home without this correctly listed. The account is listed in my wife 's name, XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX The account number ends in XXXX and listed in my wife 's name, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX., XXXX, N.C. XXXX The paid-off amount is {$5400.00} on a balance of {$10.00}, XXXX XXXX
Complaint sub-issue: Indicated you were committing crime by not paying debt

Recently Enhanced Recovery Company , LLC responded to CFPB compliant number XXXX, filed XX/XX/XXXX. Equally important  XXXX  responded to CFPB complaint number XXXX filed XX/XX/XXXX ; Enhanced Recovery Company , LLC ( ERC ) is a third-party debt collector for clients in telecommunications, utilities, banks, and student loan industries. ERC was founded in XXXX and was previously known as Enhanced Recovery Corp. ERC is headquartered in XXXX XXXX Florida XXXX Since XXXX, the Consumer Financial Protection Bureau ( CFPB ), a Government agency responsible for protecting consumers from unfair, deceptive, and abusive debt collection practices, has received 6,229 complaints against ERC, according to data provided by XXXX XXXX XXXX XXXX XXXX. Unquestionably, this company has integrity issues ; previously in the response letter from ERC dated XX/XX/XXXX XXXX XXXX XXXX the company stated the following Our client, XXXX, placed a delinquent account in the amount of {$170.00} with our office for collection on XX/XX/XXXX. Please note our agency is not a debt purchaser. Our client maintains ownership of their account ; therefore, we service the account on their behalf. Please be advised that on XX/XX/XXXX a payment was remitted on Mr. XXXX account updating the account balance to XXXX. As of XX/XX/XXXX, Mr. XXXX account was closed as paid in full. Therefore, on XX/XX/XXXX, ERC sent an update to the credit reporting agencies to reflect the account as paid in full. As a data furnisher, we are required to report the true and accurate status of the account. A deletion of the trade line would not be the true and accurate status of the account. By comparison, Response letter dated XX/XX/XXXX XXXX XXXX ) stated ERC submitted a request for the account to be deleted from all credit reporting agencies. On the whole, I want nothing to do with this organization and seek that all associated tradelines be deleted from all credit reporting agencies { I.E. XXXX } or Ill have my attorney prepare to file a lawsuit. Ive attached both correspondence letters at this time.
Complaint sub-issue: Received bad information about your loan

I applied for XXXX  Loan  Forgiveness with Nelnet on XX/XX/XXXX and the Chief Administrative Officer completed their section on XX/XX/XXXX. Everything was accurately marked, including my service record ( XXXX at one eligible XXXX  and XXXX at another eligible XXXX  ). 

On XX/XX/XXXX I received letter notifying me that my teacher loan forgiveness application was incomplete and asked that I change the distinction of one of my XXXX   from a XXXX  XXXX  to an XXXX  XXXX, and mark that I am an XXXX XXXX. I work at a XXXX XXXX  and XXXX XXXX XXXX, yet I was instructed to change my XXXX  type and XXXX   service ( from XXXX  to XXXX  ). This correspondence also asked that I correct a small detail regarding my name being written at the top of one of the pages. I made these small corrections and resubmitted the application by mail and online through the Nelnet website. 

On XX/XX/XXXX I received a letter notifying me that my XXXX  loan forgiveness application was incomplete because I needed to have a separate page 1 for each eligible XXXX. The letter also instructed me to have my Chief Administrative Officer change the name of my specific XXXX  as it appears on the Department of Education list of eligible XXXX. My XXXX wrote the name of the school, which was changed between XXXX and XXXX from an XXXX  school XXXX XXXX XXXX to an XXXX XXXX XXXX  ) as XXXX XXXX XXXX  ). I reached out to the customer service department at Nelnet to find exactly what I needed to submit and the missing information was resubmitted to Nelnet, however the name of my XXXX  was left as XXXX. 

On XX/XX/XXXX I received a letter notifying me that my XXXX  loan forgiveness application had been denied due to ineligibility and stated that I had a gap in my eligible teaching service from XXXXXX/XX/XXXX 
My experience with Nelnet has been positive until this issue. I feel that as a consumer, errors beyond my scope are affecting me and my finances.
Complaint sub-issue: Information belongs to someone else

An account was allegedly opened in my name at an address I didn't live at. Apparently an account was opened XX/XX/2019, at XXXX XXXX XXXX XXXX in XXXX GA. I have never lived there, nor did I authorize this account to be opened in my name or cosign for anyone. 

I keep explaining that I never lived at the said address and the account opened was not opened by me nor did I authorize for it to be opened in my name. No one wants to make the creditor show proof I opened the account. I ask for either a recorded call, an electronic or physical signature where I authorize use of my name to open this account or where I opened the account. Secondly I've owned my house since XX/XX/2019, i got free cable the entire year of XX/XX/2019. I would not need to get cable plus I live at XXXX-XXXX-XXXX-XXXX-ga-XXXX. I was not living at XXXX XXXX XXXX XXXX when this account was opened. I have never lived at XXXX XXXX XXXX XXXX. Everyone is passing the buck instead of producing some for of proof i opened this account. 

XXXX XXXX, XXXX XXXX XXXX and the other major credit reporting agencies are violating my rights and grossly reporting inaccurate information that is adversely impacting me.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with them : # 1. XXXX XXXX   XXXX XXXX  XXXX Loan Amount {$560.00}, XX/XX/2020. 
# 2. XXXX XXXX  -Loan Amount {$420.00}, XX/XX/2020. # 3. XXXX XXXX XXXX-Loan Amount {$1300.00}, XX/XX/2020. # 4. XXXX XXXX XXXX Loan Amount {$0.00} XX/XX/2020. # 5. XXXX  XXXX XXXX XXXX - Loan Amount {$0.00} XX/XX/2020.
Complaint sub-issue: Banking errors

I signed up for new linked checking and savings accounts on XX/XX/18 in response to Citis advertised offer of {$400.00} to transfer {$15000.00} from my old bank and maintain that balance with Citi for 60 days. I did that and I confirmed with Citi by online chat on XX/XX/18 that i had met eligibility requirements as long as the funds remained in the account until XX/XX/18. Citi has deposited the promised funds to my account.
Complaint sub-issue: Their investigation did not fix an error on your report

Please investigate and delete disputed items that are listed on my consumer credit report : XXXX XXXX XXXX account XXXX
Complaint sub-issue: Investigation took more than 30 days

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed a copy of my updated Credit Report. FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX  XXXX Balance Owed : {$680.00} ; XXXX/XXXX XXXX Balance Owed : {$480.00} ; XXXX  XXXX Balance Owed : {$2100.00} ; XXXX  / XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$1600.00} ; and XXXX XXXX  XXXX Balance Owed : {$4100.00}.
Complaint sub-issue: Was not notified of investigation status or results

I have ask the for itemization of record from these creditors XXXX XXXX XXXX Jefferson Capital and XXXX they have yet reply to my request. Can you please ask them to do so. I should not have to be filing this complaint against them if they would just do their work ask of them.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting a duplicate XXXX XXXX account on my report. The accounts have the same exact account number, same payment history, except one was paid off and closed in XXXX  2018 and one still has a balance of {$950.00}. I have no open account with XXXX XXXX. I have called XXXX and notified them of the problem, they insist they are reporting it correctly and it is on Equifax to fix. I disputed it several times in writing with Equifax and they insist that is how XXXX is reporting it. Neither are willing to correct it and it is unfairly hurting my credit score.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking 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 alleged identity theft, not later than 4 business days after the date of receipt XXXX  XXXX XXXX XXXX ...., XXXX  XXXX XXXX XXXX ...., XXXX XXXX  XXXX ....
Complaint sub-issue: Didn't receive enough information to verify debt

XXXX XXXX Jefferson capital systems I sent a letter directly with this collection company I ask them to provide me verification of this alleged debt as mine with a wet signature or any instrument bearing my signature which they did not provide me with they only sent me a bill an I also placed a dispute with XXXX to confirm them that Jefferson capital systems did not provide proof and they are reporting late payments and past due on a closed ended account which is a fcra violation
Complaint sub-issue: Account information incorrect

Equifax and XXXX should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Complaint sub-issue: Account status incorrect

Equifax is reporting false imformation on my report
Complaint sub-issue: Problem making or receiving payments

account hacked and {$20000.00} was transferred to XXXX. 

My only complain is that when a large amount is transferred from my account, I should get a notification just the way they do for credit cards. 

I came to know that my account was hacked when by chance I had accessed my online bank account, had I not done that I wouldn't even know about the fraud activity
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Collections accounts XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XXXX {$170.00} Hard inquires that I have no acknowledgment of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & delete any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items from files. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$270.00} XXXX XXXX XXXXXXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$920.00} XXXX XXXXXXXX Balance : {$170.00} Medical XXXX Balance : {$180.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$180.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$75.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each items are XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.