Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

XXXX XXXX Case Number : XXXX RE : DISPUTE AMOUNT OF DEBT {$9600.00} Dear Jefferson Capital SystemXXXX XXXX XXXX XXXX XXXX We are notifying you within 30 days after receiving this notice on XX/XX/XXXX that we dispute the validity of this debt or any portion thereof. We have included documentation of payment history from the Trustee, and a cashier check for the balance. See Attached. 

On XX/XX/XXXX we purchased a cashier check from XXXX XXXX  for {$3100.00} to XXXX XXXX XXXX. and sent it by US Mail Certified Mail Receipt to the address above. Account # XXXX XXXX. According to XXXX XXXX the cashier check for {$3100.00} was CHASHED ON XX/XX/XXXX. XXXX XXXX XXXX Cashed our final payment of {$3100.00} and SOLD the loan to Jefferson Capital System on XX/XX/XXXX a month later. 
SEE ATTACHED. 
According to the Tracking number XXXX XXXX XXXX XXXX XXXX the Cashier Check was received by XXXX XXXX XXXX on XX/XX/XXXX and was signed for. We spoke to several customer service representatives, prior to selling our loan to Jefferson Capital System. We need you to investigate the misappropriation of our funds that should have paid off our loan in full. We want the Title of our XXXX XXXX XXXX sent to the above address. If we dont hear from you in a timely manner we will file a claim with the Consumer Financial Protection Bureau FRAUD DEPT.
Complaint sub-issue: Account terms

I have submitted a complaint about XXXX XXXX. After I submitted the complaint, they left an even more derogatory response than the one originally. Also, began the process of collections. I sent a check a long time ago to XXXX XXXX after an argument that lead to me asking my account be closed. The check was the total pay off amount. This was roughly a little over ago. Now, this was with the understanding during the argument that if I paid off the account we 'd call it " even '' and this account would be closed is perfect standing and no late payment if not able to be removed in full. I was told XXXX different things after being escalated to a supervisor. However, both worked in a manner of leaving a full positive remark of no mark at all. This is extremely unfair and causing financial issues as I 'm going into adulthood. It 's hard to find an apartment, I ca n't get a car loan, and I do n't even get to take out any credit to get the car I have fixed. It 's upsetting because I was XXXX when I opened it and I had no idea to keep track of all supporting documents. I did n't even think something like this wa possible. I have no control over my own credit report. Instead I have to state my case and pray justice is served.
Complaint sub-issue: Received bad information about your loan

You respond on XX/XX/XXXX that We did not receive a forbearance request from you to postpone payments due after XX/XX/XXXX. Please then explain the long laundry list of correspondence below regarding the XX/XX/XXXXforbearance request requesting a forbearance for one year. Please check your records again and correctly apply the XX/XX/XXXX forbearance as requested. If you find you have misplaced the forbearance request, as well as the long train of correspondence noted below regarding same, let me know what you need and I will forward said paperwork yet again. On a related note, I find it interesting that you claim you can not forward copies of my deferment and forbearance applications as requested for proprietary reasons could that be, perhaps, because you have lost track of them? In addition to letting me know what paperwork you need me to resend, please explain in more detail why you can not send this proprietary information and why it is proprietary. Once you have applied the XX/XX/XXXX forbearance as requested I will be focusing on all of the other requests and questions you have not answered over the last four years.

XX/XX/XXXX : fax with receipt to nelnet : forbearance request to XXXX dated XX/XX/XXXX x 5 pages. 
XX/XX/XXXX : fax with receipt to nelnet : first follow-up to XXXX - requests apply XXXX forbearance request. 
XXXX : faxes with receipts to nelnet : second follow-up x 2 to both XXXX and XXXX request applyXX/XX/XXXX forbearance request. 
XX/XX/XXXX : email from nelnet : acknowledges request and promises a response. 
XX/XX/XXXX : ltr from nelnet : congratulates me and notes my forbearance request has been approved.

XX/XX/XXXX : faxes with receipts to nelnet : to both XXXX and XXXX in response to XX/XX/XXXX acknowledgement and application of the XX/XX/XXXX forbearance - request nelnet correct application of same. 
XX/XX/XXXX : cfpb complaint re nelnet : requests correct application of XX/XX/XXXX forbearance. XX/XX/XXXX : email from nelnet : acknowledges request and promises response.

XX/XX/XXXX : cfpb complaint re nelnet : requests correct application of XX/XX/XXXX forbearance. 
XX/XX/XXXX : emails x 2 to nelnet : request correct application of XX/XX/XXXX forbearance request. 
XX/XX/XXXX : emails x 2 from nelnet : acknowledges requests and promises response.

XX/XX/XXXX and XX/XX/XXXX : cfpb complaints re nelnet : request correct application of XX/XX/XXXX forbearance request. Forbearance request correspondence dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX attached to complaints.

XX/XX/XXXX : cfpb complaint re nelnet : requests correct application of XX/XX/XXXX forbearance request.

XX/XX/XXXX : cfpb complaint re nelnet : requests correct application of XX/XX/XXXX forbearance request. 
XX/XX/XXXX : cfpb complaints x 2 re nelnet : request correct application of XX/XX/XXXX forbearance request.
Complaint sub-issue: Information belongs to someone else

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX {$8900.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$3500.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX  and XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX 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.
Complaint sub-issue: Debt is not yours

N.A.R., Inc. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX To Whom It May Concern : This letter is in response to your recent claim regarding and account in which you claim I owe {$500.00} Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a FINAL goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$5000.00} in damages per violation for : 1. )  Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have previously disputed with XXXX XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reporting badly hurt my credibility. I'm certain that my rights as a consumer protected under the law has been violated by this inaccurate information.
Complaint sub-issue: Reporting company used your report improperly

Good evening, In accordance with fair credit reporting act convergent, account # XXXX, XXXX XXXX XXXX 
# XXXX, XXXX. XXXX XXXX. 
# XXXX XXXX XXXX XXXX 

Has violated my rights. 

15 U.S.C 1681 section 602 A. States, that I have right to privacy 15 U.S.C 1681 section 604 A section 2 : states as well that a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I sent Equifax, XXXX, and XXXX my FTC ID Theft Report # XXXX & XXXX Texas Police Report # on XX/XX/2018. I asked by letter that and the fraudulent accounts : XXXX XXXX ( {$100.00} ), XXXX  XXXX XXXX XXXX ( {$950.00} ), XXXX ( {$1600.00} ), and XXXX ( {$1400.00} ) be BLOCKED from my credit file under the FCRA section 605B. Talking with XXXX ( rep XXXX XXXX ) on XX/XX/2018 at XXXX XXXX central time he informed me that XXXX does not block but dispute accounts. This rep did not know about the FCRA section 605B or the language on the XXXX website which states a consumer can ask for the accounts reported on the ID theft report be blocked. XXXX closed our conversation by informing me that the website was wrong as is the FCRA section 605B. XXXX, Equifax, and XXXX received my ID theft report and police report # on XX/XX/2018. This fraudulent information should be block within 4 business days and notify the creditors. I should not have to talk with someone who lives in another country that does not know the FCRA rules and information on the company 's website. I will file a small claims suit if these credit reporting agencies do not abide by the FCRA rules.
Complaint sub-issue: Debt is not mine

" ERC Debt Collector '' keeps robo calling and I have absolutely NO debts and could not possibly owe any money to anyone. They call about three times a week leaving a Reference Number for this issue and their telephone number ( XXXX ). I have never called back as I do not want to be ensnared in a scam. How can I get them to stop without calling them back? Thank you.
Complaint sub-issue: Debt was paid

Turned me in to the credit reporting agents when i ask to validate the debt they never did when I went to the site to see if I owed a balance the statement had a XXXX balance
Complaint sub-issue: Debt was paid

Plus Four Collections never mailed me a 30 day notice to this debt.
Complaint sub-issue: Didn't receive advertised or promotional terms

I applied for a CitiBusiness platinum credit card which offered XXXX XXXX XXXX bonus points if you charged {$3000.00} in the first 90 days. I did fulfill this requirement but Citi said I had opened or closed a credit card within the past 24 months which disqualified me from the bonus points. They stated that I closed my last CitiBusiness card in XXXX of XXXX, which is not true. 

My final payment on my previous card was XX/XX/XXXX, and I called and cancelled the card on XX/XX/XXXX and at the same time confirmed a XXXX balance. Citi has no recording or any verification whatsoever that documents their XX/XX/XXXX date. 

I have made 3 calls to Citi with this information and they still send me a form letter stating that I had opened the present card in less than 24 months. I spoke to a supervisor by the name of XXXX in my last conversation on XXXX XXXX who stated she would contact the department involved ( I would not be able to talk to them directly ) and would call me back the next day ( XX/XX/XXXX ). I authorized her to leave a complete message on my message machine if she did not reach me. She never called.
Complaint sub-issue: Personal information incorrect

I recently mailed letters out certified mail to XXXX and Equifax to remove incorrect addresses from my credit profile it has been over 30 days and I just purchased a updated credit report and the addresses are still on my credit report and they even added a address to my report there should only be one address on my credit report
Complaint sub-issue: Account information incorrect

Promotional purchases & Non promotional Purchases. : * Account opens on or about XX/XX/XXXX new acct etc. 

* USA Mail theft is reported XX/XX/XXXX. Listed in the report is XXXX. 
refer to download. 

* via. XX/XX/XXXX-XX/XX/XXXX i was charged a promotional purchase non payment fee. 

* Communications store - card returned those fees and adjusted account. 

* The charge still is being charged monthly for over 16 months after adjusted by creditor. 

* Once fees are returned and account adjusted it is fraud to charge a non payment promotional fee once the fees are credited back to the account, for prior adjustments via, the creditor overall higher available balance is negative indicator in notice of the financial adjustment its reporting a indicator.. 
* Issues. : the credit card company has not reported the contents in the police report as lost/ stolen with the credit bureaus. 
* It is required it report accurate and properly. wherefore, * creditor on the deductive non payment promotional balance fees. 
* Creditor reports great payment history * Creditors mark.- high revolving balance * notes.- non payment promotional purchase etc.. 
* Denial of credit line increase. 
* In case law the account is a US Theft in the amount of value stolen {$800.00} Be advised, On XX/XX/XXXX thru XX/XX/XXXX I was advised by a credit reporting agency 's. XXXX XXXX a freer tool of a data breach my information was found in by use of 3 companies going back to XX/XX/XXXX thru XX/XX/XXXX.  In review of credit cards, and credit reports, and other financial information the credit company 's information has used i claim in 2 areas be acknowledge * The value of the police report is the contradiction of the billing department * A new card should of issued and if issued the account information with the credit reporting agency 's should have information about the close of the credit card * And have the information of the current account accurately. 
* XXXX  '.
Complaint sub-issue: Information belongs to someone else

The following accounts are due to identity theft and need to removed and blocked immediately. I have attached a copy of FTC Report and Police Report to this correspondence. 

The following fraudulent accounts need to be removed and blocked immediately under FCRA or legal actions will be taken against XXXX. These accounts were opened by someone who stole my identity and use my information without my permission. I am requesting for XXXX to block and remove these fraudulent accounts immediately within four day of receiving my FTC report. 

1. XXXX XXXX Account # XXXX Balance :  {$3600.00} 2. XXXX XXXX Account # XXXX Balance : {$3700.00} 3. XXXX XXXX XXXX Account # XXXX Balance : {$550.00} 4. XXXX Account # XXXX Balance : {$3000.00} 5.DISCOVER FINANCIAL SERVICES Account # XXXX Balance : {$8600.00} 6.DISCOVER FINANCIAL SERVICES Account # XXXX Balance : {$5500.00} 7.XXXX XXXX XXXX Account # XXXX Balance : {$28000.00} XXXX Account # XXXX Balance : {$3500.00}. 

Under FCRA, XXXX has four days to remove and block these accounts. If not, I will reporting your company to XXXX XXXX, Consumer Financial Protection Bureau as well as my Attorney General Office due to your negligence.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My rights were violated under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXXL XXXX XXXX, XXXX, VA XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXXY XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXXS XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There is unrecognized inquiries on my credit report which i didnt authorized. These inquiries is showing as hard inquiries on my credut report on XXXX only. 
An inquiry was made to best buy through Citi bank on XX/XX/2021 and XXXX XXXX XXXX XXXX XXXX XX/XX/2021. 

I disputed these inquiries with XXXX to get them off my credit report. The result that came from their investigation was for me to contact the company who reported those inquiries. 
I have contacted both these companies, they both have nothing on file that i was trying to request credit or opening an account.
Complaint sub-issue: Their investigation did not fix an error on your report

Dear LexisNexis ; I recently received a detail report on my LexisNexis credit file and I was looking through it, and noticed that there is an error with the way an Item is reporting with your organization and I would like it to be removed immediately. I extract some pages on the pile of paper that you send me, and I would like your company to remove this item from my credit report immediately. 

My rights under the provisions of Section 611 of the Fair Credit and Reporting Act of 1970 are clear, I demand these accounts to be deleted from all current and future credit reports.

Additionally, please send me an updated FULL report once this has been resolved.

I believe that under Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Personal information incorrect

I am writing this letter in my last attempt to DELETE and correct some personal information constantly reporting and still damaging my profile. My CURRENT AND ONLY ADDRESS is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI, XXXX. MY CURRENT TELEPHONE NUMBER IS XXXX. MY NAME IS SPELLED XXXX XXXX XXXX and no other way. I ask you this one and final time to PLEASE REMOVE ALL AND ANY ERRONEOUS ADDRESSES, TELEPHONE NUMBERS, AND OR ALL OTHER NAMES, THAT ARE ASSOCIATED AND ARE STILL REPORTING ON MY CREDIT REPORT. PLEASE AND THANK YOU
Complaint sub-issue: Information belongs to someone else

I've submitted all proper documents to show that I was a victim of Identity Theft.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2021 I sent dispute letters to Equifax and XXXX about a bankruptcy listed on my personal credit report with several errors. They both came back as verified and accurate so I sent the information to the Bankruptcy court to get the issues fixed. However I was given a letter directly from the court staying they do not give any information for credit agencies good or bad. They do not report to any Credit agencies. So this means this information wasn't verified like they said it was.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX continues to report incorrect to all three credit bureaus. I The loan in questions has been paid off for over a year. They continue to refuse to resolve this issue which has resulted in me being unable to refinance my home.
Complaint sub-issue: Account status incorrect

I am writing to file a complaint against Selene Finance. I have been trying to get the company to send XXXX the needed information so that XXXX  could actually close the account. I have had over 20 phone conversations with representatives and supervisors. I am constantly explaining the process of what I need them to do. I have been dealing with Selene Finance since XX/XX/XXXX. 
Selene Finance told me that they had sent XXXX  the information in XX/XX/XXXX. XXXX  said they did not receive any information from Selene Finance stating the account had been closed I asked could they resend the information and I was told no. I then asked could I get the information sent to me via email. I was told that email would take up to 7 days to get to me. They told me the only way I could get the information faster was through mail. I waited several days for the mail but never received anything. I called Selene and told them that I did not receive the letter. They found out that they sent it to the wrong address. They sent it to the property address and not the mailing address. This was upsetting because we have not owned the home since XX/XX/XXXX. After putting me on hold, they sent me the letter within a few minutes. This was upsetting because it is evident I could have received this email the same day I requested it. I asked them if they could send the information to XXXX  and was told I should send the letter they sent me over to XXXX  and that should take care of the issue. 
Selene Finance has constantly refused to send the document they sent me to XXXX.
Complaint sub-issue: Account status

XXXX is listed on my credit reports as someone I owe money to. That is not true. I have never done business with this agency, and I do not owe them any money. They claim they are representing XXXX. I have not lived at XXXX XXXX for almost a year. When I was there, I always paid my rent on time. I fulfilled all the obligations of my lease, and I gave notice when I decided to move out. I do not owe them any money, and they never refunded my security deposit.
Complaint sub-issue: Public record information inaccurate

I was a victim of identity theft. I have attached report showing the accounts and inquiries that are inaccurate. I have contacted Equifax on multiple occasions, yet Equifax has not removed the fraudulent information.
Complaint sub-issue: Didn't receive notice of right to dispute

I c system reported to the credit reporting agency that I owed the $ XXXXI have never been contacted about this debt from them. I was contacted by XXXX XXXX XXXX who also reported this debt for exact same amount and account number.dropping my credit score and no one wont remove one of them.my understanding is they cant place the same account with two different debt collectors and the second, IC system has never contacted me in regards to this.please have them delete one or both.