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

I previously submitted a dispute with regard to an inaccurate item on my credit report. The unverified item listed below remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? This account does not belong to me. Who verified this account? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following account be verified or removed immediately : XXXX XXXX As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source.
Complaint sub-issue: Their investigation did not fix an error on your report

I have notified bureau by phone, online and by mail. I have placed a Fraud Alert on my profile and still have not received the proper assistance. I notified the bureau that they were reporting inaccurate information and they continue to report it stating it has been verified as accurate. They are not investigating the matters themselves they are allowing a 3rd party to do so and isnt providing me information on who they are verifying through and with. Ive tried all means to have this rectified. 

Accounts XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I didn't give Authorization / Authorize too open accounts / pull and/or use my credit too open new accounts ( Identity Theft Victim - Equifax Data Breach ) ... 

XXXX XXXX XXXX  XXXX : XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account ) XXXX XXXX XXXX : XX/XX/2018 ( Fraudulent Account )
Complaint sub-issue: Debt was paid

On XX/XX/2021 I called in to conns customer service to pay my debt for over XXXX and the company offered to settle for {$1400.00} and I asked the company if it would be removed from my credit report. They said that they will put settled for less than full amount and that they would remove it from the credit report. Ive called several times and the company keeps giving me the run around and no one will remove the negative closed acct from my credit report.
Complaint sub-issue: Problem with customer service

Nelnet has failed to process {$1000.00} payment made refund back to me. They processed only one of two {$1000.00} payments neither have been received. They are using deceptive practices to the consumer and CFPB. In my last complaint and subsequent conversations with them they informed me that they only mailed me and processed one payment refund for the amount of {$1000.00}. However that payment of {$1000.00} was split into two different checks. They canceled those checks at my request and were to expedite them to me at a new address however they have failed to do that. During those subsequent conversations they informed me that the other payment for {$1000.00} was never processed back in XXXX of XXXX. At this point they still have not processed the second payment of {$1000.00} and I have not received that one either. It has been 5 months and passed the deadline when they are supposed to refund this money. They added the money back onto my account months and months ago. If they fail to respond to this or expedite both checks for a total of {$2000.00} within the next 10 business days I will be disputing {$2000.00} with my bank and credit card. The payment has already been added back onto my account so it looks like I have never paid anything and yet I don't have {$2000.00} back in my hands. That is deception and fraudulent.
Complaint sub-issue: Was not notified of investigation status or results

I HAVE NEW UPDATED INFORMATION!!!!!!! I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF EQUIFAX NEEDS MY AUTHORIZATION TO PROCEED, THEN EQUIFAX HAVE MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, filed a complaint about EQUIFAX on XX/XX/2022 and XXXX XXXX. The complaint I'm referring to includes complaint number XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. In that complaint pursuant to 15 USC 1681i ( 7 ), I demanded EQUIFAX send me my REINVESTIGATION results in 15 days of the late payments that I have disputed that they claimed were verified. I asked for the description of the procedures included in 15 USC 1681i ( 6 ) ( B ) ( iii ) that EQUIFAX have taken to receive those results. It has been way pass 15 days and I have not received any " REINVESTIGATION '' results. I have also asked for the written instructions I gave EQUIFAX, pursuant to 15 USC 1681b ( a ) ( 2 ), to furnish this information on my consumer report. Without my written instructions, this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. I have not receive those written instructions either.
Complaint sub-issue: Old information reappears or never goes away

I've spoken with these two companies several of times about this issue. I am trying to rectify this matter however ; these companies aren't in compliance with the laws. I've asked several of times for proof of account being paid in full and also stating that they would have item removed, both representatives refused to send the letter, but kept stating the matter would be taken care of. I asked for proof because I don't feel comfortable paying these items without proof that it's paid and will be removed from credit. Far as XXXX XXXX XXXX I've explained to the rep. that I am in a hardship and at the time of services I used my health insurance which paid the balance in full and I'm not even understanding why I would to pay over {$1200.00} out-of-pocket when this balance has already been paid. I informed him that I would settle this amount for {$75.00} because that is all that I have and that I am in-between jobs right now and that this matter is hindering me from getting a job and he laughed, asked me " are you kidding me you have a large balance '' and refused to assist me. I asked for a supervisor several of times and he refused to send me over to one only denied that there isn't one around, only to send me to a guy by the name of XXXX with a very bad attitude whom stated he was a team lead. This company has violated my rights as a consumer and violated several laws per FDCPA. I am willing to settle XXXX XXXX XXXX for the amount of {$75.00} being that they purchased the debt, added fees and it's already been written off as a profit and loss. I am willing to pay AmeriCollect in full but I need for this item to be removed from my credit and I need a letter prior to paying.
Complaint sub-issue: Information belongs to someone else

This company fraudulently used my personal information without my permission & processed transactions, opened an account without my consent. This account is not mine. I stayed at the resort & only paid for the time I was there. I did not purchase anything from them. I have called them to demand validation of the said account and have it closed but they give me the runaround every time and I have never received any validation. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported in my credit records and is hurting my financial stability. I have disputed this but had no resolutions.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been disputing inquiries that have shown up on my credit file on Equifax XXXX XXXX and XXXX since year XXXX. I have contacted all three credit bureaus and they consistently say that all inquiries remain factual and will stay on my file for XXXX years. 
I received a letter XX/XX/XXXX which stated all inquiries will remain and how some I listed arent even on my credit report, which is false which tells me they did not do a proper investigation. The documents uploaded below are screenshots from annual credit report.com which shows all hard, promotional and soft inquiries listed on my credit file. 
I now seek under my rights under the FCRA Regulation V generally require a furnisher to conduct a reasonable investigation of a dispute submitted directly to a furnisher by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship. 

I am requesting each credit bureau ( XXXX, Equifax and XXXX ) provide me with the name of the business representative they contacted in regards to the credit inquiries listed, the date they reached said representative, time of phone call, address of business and the representative name and phone number.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The inquiries on my report I do not recognize. I have contacted the companies and they have told me to reach out to bureaus directly because they could not locate the identifiers I provided. 

Companies are : XXXX XXXX Credit Plus, XXXX XXXX XXXXXXXX, 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

I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I never had this accounts, i believe, that somebody applied on my name.
Complaint sub-issue: Their investigation did not fix an error on your report

Several years ago, my information was stolen and a loan was placed in my name through XXXX XXXX. However, XXXX XXXX ( XXXX ) is still on my Equifax credit line. In addition, because of this identity theft that took place, I can no longer be accepted for a personal loan via XXXX. I am writing to say that : 1. XXXX needs to erase the false information from my Equifax credit bureau history. 

2. I strongly believe that I did not get accepted for a personal loan this time around because of the past stolen identity that took over my personal & sensitive information. However, I appeal this decision. Instead, XXXX  should re-consider the loan denial and give me an actual chance of paying them back. This is NOT fair to customers at all and I will be sure to spread the word to prospective customers about the injustice I have faced through XXXX XXXX.
Complaint sub-issue: Account status

I contacted EQUIFAX last month to have this account removed from my credit report as I already paid it off. I received an email back from them shortly after stating that debt was valid and it belonged to me ( which I was never disputing ) all I asked was that it be removed as I paid if in full already. I call EQUIFAX back today XX/XX/XXXX and asked why have n't the item been removed from my credit report yet? The guy was VERY rude and unprofessional. Instead of answering my questions he remained silent on the line for almost 3mins before hanging up.
Complaint sub-issue: Information is not mine

I mailed 2 certified letters to the University XXXX asking them to verify that the debt is mine. One was mailed XXXX XXXX, 2016 and one on XXXX XXXX, 2016. It 's been over 60 days and I have not received verification that this debt is mine. Per the FCRA law, they had 30 days to both mark it as disputed on my credit report and send verification. They broke the law but not responding and I want it deleted off of all XXXX of my credit reports.
Complaint sub-issue: Account status incorrect

I just received a denial letter from XXXX XXXX. I called to discuss the reason for denial with the bank. I was told there are 2 negative items on my XXXX credit report that determined there decision. The first item is XXXX XXXX XXXX XXXX. I have disputed this with equifax and XXXX  and it has since been rectified and deleted however XXXX is still reporting it. I have stated many times I had multiple loans with teachers that were all paid in full. They were combined loans and it has been satisfied. This has been an ongoing issue over 2 years now. The next item was XXXX XXXX XXXX that as well has been deleted and removed off equifax but is showing on XXXX. There were numerous fraudulent charges on that credit card. I have reported it to police over 4 years ago. I tried contacting XXXX by phone to discuss this and dispute it again but I cant speak to a live person.
Complaint sub-issue: Deposits and withdrawals

XX/XX/XXXX disaster ... Deposit not avail. Systems physically not available and once again BBT dropping the ball! I've filed a previous complaint and BBT had the nerve to give me an unfavorable review.. Lol! Really so I guess my concerns was petty until today when BBT entire system crashed and the XXXX and XXXX gave BBT the negative business in regarda to fees, deposit processing, and the attitude of branch staff at various locations.. The same concerns I voiced. I understand stuff happens yet as a consumer BBT has a bunch of unbalanced terms and conditions that only favor corporate profits.. Now you ask your members to be patient.. I scoff at that when my balance XXXX make XXXX deposit and BBT return fee me XXXX on a XXXX transaction.. Balance been XXXX since XX/XX/XXXX add XXXX equal XXXX all day long.. I want my XXXX back.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted request after request for my credit report inaccuracies to be removed almost a half dozen of times. The response that is being received is either not making sense or requesting verification on my credit profile in which this has already been included with the disputes. I tried to called XXXX and kept getting an automated recording after entering my social security number, their company was the first to respond on my disputes not correcting anything requested and then put a credit fraud alert on my account blocking credit applications from being processed when the fraud complaint was on the credit bureaus for reporting inaccurate information that has been asked to be removed. XXXX request you to upload a black and white copy of your drivers license and the Fraud Alert Form to be in black and white, but they issue the application in color. XXXX XXXX is continuing to kill trees sending the same letter requesting me to verify an account that " they say '' can be set up online. 

All of my rights has been violated under the follow 15 U.S.C 1681 Section 602 A states I have a right to privacy. 
15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my permission. 

I could go on and on, however we all know the laws regarding consumer fair credit, but yet and still there seems to be nothing done regarding all of these inaccuracies that are being reported regarding these issues from consumers.
Complaint sub-issue: Debt is not yours

The original collection company I had this debt with moved my debt to a different collection agency once I disputed the debt with them. They also have the wrong dates on my account and every time I dispute the information, they change dates around on my credit to make it appear as a new debt.
Complaint sub-issue: Account status incorrect

I finished my loan installment with self lender/lead bank in XXXX of XXXX.I never had a late payment during this time. It has been brought to my attention that after the account was closed due to me finishing the loan installment plan theyre still reporting to the credit bureau that I have late payments on my report and it is extremely impacting my credit score and me being able to purchase a house. This is inaccurate information being reported to the credit bureau I finished my loan in XXXX with no missed payments and this is very frustrating to see.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Advantus llc inquired 2 different occasions. I have never inquired with this company. 
One date is XX/XX/2018. I did not apply with this company. Another date is XX/XX/2018. I did not apply with this company.
Complaint sub-issue: Account status incorrect

SINCE XX/XX/2019 I HAVE CONTINUOUSLY REQUEST XXXX   DELETE IT ERRONEOUS REPORTING OF A CHARGE OFF DEBT SAID OWED TO CITIBANK. I HAVE FILLED OUT THE ONLINE DISPUTE FORMS AND SENT CERTIFIED MAILS BUT TO NO AVAIL. I HAVE VISIT CITIBANK ON NUMEROUS OCCASIONS AND CALLED CORPORATE OFFICE ON NUMEROUS OCCASIONS. TO BE TOLD THAT CITIBANK HAS NO SUCH INFORMATION OF A CHARGE OFF A DEBT OR ANY PROBLEMS WHATSOEVER.
Complaint sub-issue: Account status incorrect

I have and old XXXX XXXX vehicle loan on my credit report. The account is showing status as XXXX-XXXX days late. Its completely inaccurate because account is paid and closed since 2011. I contacted XXXX XXXX  about account. They agreed to clear it up but Equifax refuses to fix account status even though account is closed and paid. The account status is obviously inaccurate because I contacted XXXX XXXX and they said that the did n't even report the payment history for that account so that should have fix.
Complaint sub-issue: Fees charged for closing account

I closed my account ( in good standing ) on XX/XX/18 via a phone call to the bank 's XXXX number. A couple days prior, I pulled all funds via an ACH transfer to another bank so that XXXX did not need to send me a check. After closing, a maintenance fee was applied which, I was told, reopened my account unbeknownst to me. I don't know why the maintenance fee was ever applied, but I assume it was because I fell below their fee-free threshold when I pulled my funds a couple days prior to closing the account so that I could close my account. I was told it takes a couple days to truly close my account and the maintenance fee posted the day after I called to close the account. ( My husband did the same thing and he was not charged any maintenance fee ). After not paying the {$4.00} maintenance fee, I was charged a {$30.00} late fee and then another {$4.00} maintenance fee. The bank claims I owe them {$38.00} but it is all due to fees from after I closed my account and I never received statements showing that the account was still opened ( or I never opened them because all USbank mail was considered junk mail after I closed my account ). I've called all the phone numbers USbank has given me in order to help me resolve this issue, but I have been greeted with wrong departments, transfers from department to department to department, answering machines, and offers to call me back which never happen. I've spent 2+ hours on the phone trying to rectify a problem that is not my fault. The collection department was unable to reverse the fee so they provided me the XXXX number to the bank. The XXXX number to the bank referred me back to the collections department. On XX/XX/XXXX I then threatened a complaint to the Federal Reserve if they did not get this corrected quickly. The CSR then tried to call a branch manager to waive the fee but was unable to get through to the manager. I was then told by that CSR that she was not working the following day and that her manager would follow through with the branch manager and give me a call the next day. I gave them the benefit of doubt and agreed to hold off on my complaint. ( 3 ) days later and still no phone call. I should be compensated for my time since USbank can not quickly resolve this simple issue and their customer support hours are during my work hours.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted serval disputes dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requested that an account be properly investigated and properly verified and the method of verification. I have received responses that the account was accurate and updated. I seen no changes made i received no responses of the method of verification. This account in question HAS NOT BEEN PROPERLY VERIFIED OR INVESTIGATED according to the FCRA 611 ( 15 U.S.C. 1681I ) my consumer right have been violated as well as the Health Insurance Portability and Accountability Act of 1996 Section 1173. By improperly verifying this account you are compliant in violating my rights, and will be held accountable if legal action does persist.
Complaint sub-issue: Information belongs to someone else

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize.
Complaint sub-issue: Unable to open an account

They refuse to open me a bank account checking its not fair I was disrespected at their branch by their employees
Complaint sub-issue: Trouble with how payments are being handled

I called Nelnet on XX/XX/XXXX to request a refund for some payments I made during the pandemic pause. I asked for a refund of payments made on XX/XX/XXXX through XX/XX/XXXX ( totaling {$4900.00} ). I was told that the refund would be processed in 4-6 weeks and that I could call back for for information once the refund process was initiated. As of XX/XX/XXXX it has been six weeks and I have not been able to get an update. Every time I call Nelnet customer service, they tell me that the refund is still in process and they can't give me any other information.
Complaint sub-issue: Debt was result of identity theft

In 2005 I was a victim of Identity theft, I've been been living a nightmare ever since, I've been trying to battle this nonsense. My car was stolen in 2005, I had all my info inside it, since 2005 while living in Georgia, weird things started showing under my social and name and showing on my credit report, having said that ; my credit has never been able to recover from whoever is using my identity to have a life posing as myself. I can't deal with this situation anymore. This is depressing, I can't even have a normal life because even if I try to fix it, it seems like I can't get my life back. I need immediate help and would like and want to have all those false collection debts taken off my credit and name please. I've been fighting this for over 15 years and I can't do it anymore. I need help and have the three bearous to have those negative debts off my credit for once and I can have my life back. Thank you so much for your time. You are my last hope .... God bless.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX Account # 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: Account status incorrect

My mortgage was in forebearance from XXXX. Loancare reported to XXXX and XXXX. XXXX still has the months showing as missed payments which is affecting my credit score. I have disputed this with the credit company and got no results.