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

On XX/XX/XXXX I entered an agreement with XXXX  on my credit card ending in XXXX through its collection agent XXXX XXXX. Prior to a dismissed XXXX  XXXX bankruptcy, my account was in good standing. After the XXXX XXXX was dismissed, I tried to resume payments but was told the account had been charged-off. I agreed to a settlement of {$1500.00} making XXXX payments of {$250.00} to satisfy the account. I was told I could call back and re-negotiate the agreement after a few successful payments. I called back on XX/XX/XXXX and ask to re-negotiate the agreement to {$1000.00} due to financial issues which was a direct result of COVID-19. I earn income as a PT XXXX XXXX  and a XXXX XXXX  for XXXX ; as you are aware all institutions of education were impacted. I shared this information with XXXX XXXX ; at that time XXXX XXXX took over the account. I paid the {$1000.00} based on the re-negotiated request in XX/XX/XXXX. None of the payments made were reported to the Credit Bureaus. I spoke with the representative XXXX XXXX at XXXX on XX/XX/XXXX regarding this account and I was told again that the account is not longer with their offices - I would have to reach out to XXXX XXXX. I called XXXX XXXX at XXXX and spoke with XXXX, XXXX # XXXX on XX/XX/XXXX. After discussing the issue with XXXX, he stated the XX/XX/XXXX agreement was no longer an option and the {$1000.00} settlement agreement was denied and I would have to enter into a new agreement based on the current balance of {$2500.00}. XXXX indicated he would have to speak with his superiors regarding an acceptable amount - I was told $ XXXX was required to satisfy the account. This is {$1100.00} over the initial agreement and it appears XXXX XXXX is trying to collect 2-3x more on the account as we all know the charge-off ( bad debt ) was transferred or sold to a collection agency for pennies on the dollar and then reinstated to collect from me again. Not to mention, XXXX XXXX filed this charge-off as a loss on its balance ledger to the IRS. This is causing an adverse effect with my federal employer and my clearance which is a requirement for my continued employment and an extreme hardship to my credit report. I have since been extended new opportunities from XXXX and all accounts are in good standing.
Complaint sub-issue: Investigation took more than 30 days

I have incorrect information on my credit report that's costing me financial injury. I can't get a job apply for housing or credit cards. According to the FCRA several laws where broken
Complaint sub-issue: Account information incorrect

I have been writing and calling XXXX XXXX XXXX since XX/XX/XXXX to investigate late payments I noticed on my credit reports. I have always paid on-time and as agreed with no problems. So the late payments on my credit reports were new to me when I discovered them earlier this year. First I contacted the company directly numerous times via telephone and written requests as they implied. They were being very difficult about investigating this from their responses, so I contacted the credit bureaus ( XXXX, XXXX  & Equifax ) to investigate the late payments for me. In return these companies never responded to my request. 

XXXX XXXX are reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

I have filed disputes with Equifax since XX/XX/2017 and I have spoken to several people at the Consumer Affairs Office who state that they were going to delete and remove these fraudulent accounts from my credit report. I have talked to XXXX as well Mrs. XXXX at Equifax office who promised to remove to remove these accounts immediately. 

The following accounts are fraudulent and need to be removed immediately : 1. XXXX XXXX XXXX   2. XXXX 3. XXXX XXXX XXXX  XXXX  4. XXXX XXXX
Complaint sub-issue: Not given enough info to verify debt

I received a letter from a debt collection company dated XXXX XXXX, XXXX ( attached ) stating I owed their client {$160.00} before penalties. When I added the alleged amounts up, it only came to {$81.00} and I disputed everything in a letter dated XXXX XXXX, XXXX ( attached ) and requested information to prove the alleged debt. I received a response back from the debt collector dated XXXX XXXX, XXXX ( attached ) showing even more alleged debts and adding up to the original {$160.00}. They stated they would get me the information I requested. Yesterday ( XXXX/XXXX/XXXX ) I received a phone call from the debt collector. They stated, " If I want the detailed information, I would have to contact the original creditor myself. '' In other words, the debt collector does not have the detailed information and can not provide it to me. They 're only going on the word of the original creditor the alleged debt is owed.
Complaint sub-issue: Was not notified of investigation status or results

I sent multiple letters request validation and I never got any information validating this alleged debt.
Complaint sub-issue: Information belongs to someone else

In accordance with the fair credit reporting act XXXX  Act # XXXX, XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 u.s.c 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without written instructions
Complaint sub-issue: Personal information incorrect

I have sent letters to XXXX, XXXX, and Equifax asking them to remove my incorrect, names, address and phone numbers. They never responded. Please remove this outdated information.
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 THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 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: Investigation took more than 30 days

Upon obtaining my annual credit report, I requested a debt verification from all 3 credit bureau in regards to a charged off account from XXXX XXXX XXXX that was listed on my report. I sent an e-mail to XXXX XXXX XXXX  on XX/XX/XXXX for verification as this was an unfamiliar account that I had not seen before on my credit report. I received no response back the same week however on XX/XX/XXXX, I received a letter from XXXX XXXX XXXX. I had hoped that the letter would provide any documents to validate this account however, the letter simply stated what was on my actual credit report and only listed when the account was opened along with when the account was charged off. 

Per XXXX XXXX XXXX letter, the account was opened on XX/XX/XXXX and was charged off on XX/XX/XXXX. The letter also stated if any inaccurate information was listed, that I should contact the 3 credit bureaus directly to dispute and resolve. 
With that information, On XX/XX/XXXX, I sent a notarized letter requesting validation on this account listed under XXXX XXXX XXXX to XXXX, Equifax & XXXX. After sending the letters, I received no response back in 10 days. I decided to write a follow-up letter to all 3 CRA on XX/XX/XXXX requesting validation of account once again. As the days went by, I received no letters back from any of the CRA so on XX/XX/XXXX, I sent another follow-up letter requesting validation. Keep in mind, this was my 3rd attempt in contacting the credit bureaus in hopes that I would get any sort of answer back to assist in this issue. 

On XX/XX/XXXX, I received a letter each from both Equifax and XXXX. Below is what was listed on the letters that were sent to me Equifax = Stated that they are currently processing my previously submitted dispute and will not be conducting further investigation into this particular account at this item. 

XXXX  Did not provide any documentation but rather just listed terms and explanation on how the verification process works. I had already sent them 3 detailed letters requesting validation however this was the only letter I received from them. 

XXXX As of XX/XX/XXXX, I have not heard back or received any answers via mail, e-mail or telephone.
Complaint sub-issue: Information is not mine

On XX/XX/2017, I was notified by a company that was conducting a background check for pre-employment. The HR manager informed me that a third party responsible for doing their background checks found that my social security number and date of birth were also coming up under XXXX other individuals. They started that I needed to clear the mix up before moving forward. The names that appeared were provided to me and documentation was also sent. The names that appeared are as follows : 1. XXXX XXXX XXXX located in Louisiana 2. XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Based on the tools provided by Equifax, it would appear that my personal data was compromised along with that of potentially millions of others. This is per Equifax 's own tool equifaxsecurity2017.com.
Complaint sub-issue: Reporting company used your report improperly

Among checking my credit report I noticed there a serval fraudulent account and fraudulent inquiries
Complaint sub-issue: Information belongs to someone else

I don`t recognize these account and inquiries, I have never applied for this. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible
Complaint sub-issue: Their investigation did not fix an error on your report

I have a problem with LexisNexis they will not provide me proof of verification for my public records accounts. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A )  and Bankruptcy Court you are required by federal law to Verify-through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. LexisNexis has valeted the law and must delete the accounts on my public record. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an Original Consumer Contract with my Signature on it ) you have on file of my public records Bankruptcy Chapter XXXX as well as Chapter XXXX. I have enclosed a letter requesting method of verification of the accounts as well as a letter for the XXXX Federal Bankruptcy Court stating they do not provided any information to third party LexisNexis about any and all public records. Also my Social Security Number is not listed and my address is incorrect on the public records findings.
Complaint sub-issue: Problem with customer service

On XX/XX/2021, I received two PSLF Qualifying Payment Update letters dated XX/XX/2021. These letters note that they " have reviewed your Public Service Loan Forgiveness ( PSLF ) & Temporary Expanded PSLF ( TEPSLF ) Certification & Application ( PSLF Form ). '' I have not submitted a new PSLF Form since last receiving PSLF Qualifying Payment Update letters on XX/XX/2021 and XX/XX/2021. The last PSLF Form I submitted was marked as received by FedLoan Servicing on XX/XX/2021. I do not understand why I continue to receive these additional PSLF Qualifying Payment Update letters based on the content in the new letters dated XX/XX/XXXX. Was my account reviewed for additional payments? There is no corresponding explanation as to what is occurring right now ( as this is not fully addressed by the PSLF Qualifying Payment Update letters ) and I am very confused because FedLoan Servicing is only sending form letters without correspondence crafted to me to directly explain what is occurring. I do not understand why the payment count keeps changing when I have not been submitting additional PSLF Forms.
Complaint sub-issue: Was not notified of investigation status or results

Hello so XX/XX/2021 on I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.
Complaint sub-issue: Their investigation did not fix an error on your report

FEDLOAN has 4 entries on my credit report that I tried to get removed and/or updated as they are not reporting accurate information per the FCRA requirements. As you can see from the attached credit report, creditors have been reporting a 2-year history. The time frame that should be reported should be XX/XX/XXXX down to XX/XX/XXXX. 

I've requested it be updated once before with no success. I asked that it be deleted for inaccuracies or updated and there was no resolution. 

I filled out a borrower defense application form back in XXXX. Per the XXXX Credit report, the balance decreased and then it was increased again along with a new entry from a company called DPT EDXXXX. There was no explanation as to who this company is and why it was added if my XXXX XXXX XXXX application was reviewed and approved.
Complaint sub-issue: Not disclosed as an attempt to collect

I defaulted on a Macy 's account XX/XX/XXXX. The account is now listed with Citi XXXX. I have called them at XXXX a month ago and was told that it is past statue in my state XXXX Mississippi XXXX and they would not accept my voluntary payment. I explained that it was still reporting every month negative on my credit and I was told that is XXXX different laws. ( statue and credit reporting ). I disputed the accounts with the credit bureau, but it remains on my credit. I called again yesterday, XXXX and received the same response from Citi. I spoke with the supervisor today, XX/XX/XXXX and was once again told that I can not pay this debt and that it will not be removed from my credit until the XXXX year mark. How can this report to my credit and not allow me to pay the debt to obtain a home mortgage. The balance is only {$280.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting incorrectly that I am 90 days past due on the XXXX - partial account numbers XXXX. ( Please see pages 8 and 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Problem with rewards from credit card

Ive been using my XXXX Citi Platinum card since 2001, its what Ive used for all my travel to and from work around the world and its also been my medium of exchange for all my domestic home needs. The very reason I got this card and used it exclusively for over 20 years now was to earn rewards points for my purchases, other people I worked with said the rewards were the best there is and I could never have imagined a stable company like XXXX XXXX XXXX would throw me out with the garbage, but thats exactly whats happening now. 
After all these years, XXXX XXXX XXXX, Chief Executive Officer Citi, informed me with an email that my XXXX XXXX XXXX card was never eligible for rewards/ Points of any kind. Here is a web page showing that this is completely false https : XXXX. 
On this web page both XXXX and XXXXXXXX XXXX are honoring themselves for their long history of rewarding us for everyday purchases and further fostering long-term loyalty. Including 2X ThankYou Points per {$1.00} spent on eligible retail and travel purchases and 2X ThankYou Points on products and services purchased directly from AT & T. In addition, card members can continue to redeem their ThankYou Points for almost anythinggift cards, travel rewards, electronics and much more. 
I now realize that as a card user I have little to no proof because these giants sit atop all the small print and leave me with nothing more than their broken promises.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I wasn't aware of the derogatory remarks made to my credit score until XXXX of XXXX while trying to apply for a loan forbearance. Last year in XXXX and XX/XX/XXXX Nelnet made derogatory remarks which impacted my credit score. I have attempted to apply for a forbearance due to my financial situation at that time. Upon contacting Nelnet they state that XX/XX/XXXX was the first time I reached out to them to discuss my past due balance, which is incorrect. I know for a fact that I spoke with someone prior to XXXX. As a matter of fact I've had numerous issues when contacting them, but I remember it because I was calling regarding my application and they were having computer issues of some sort. I have applied for a financial hardship of some sort and it had not been processed or processed correctly. I have made every attempt to keep my student loan in order and have called numerous times throughout the years to check on my status. Now due to some mishap that happened, I am the one who is paying the price with derogatory reporting. Never once did they let me know that they had reported it until I pulled my credit score. It was unfair how this took place, as I've followed up to make sure that forms were completed properly. Just to mention half the time that I spoke with someone there they always gave me the run around and no one knew what they were doing and every time I called I got a different answer from everyone. It was my mistake I wasn't into detail to take notes as I was always getting the run around. I have sent them a letter XX/XX/XXXX and still haven't heard anything back. I am attaching a copy.
Complaint sub-issue: Company closed your account

Discover Card states that they closed my account for non-use in XXXX after sending me two notices by mail of their intention. However, I never received notification. I contacted them to reopen my account due to their being in violation of terms that require them to notify me prior to closing the account, but they have repeatedly denied my request and informed me I would have to reapply for a new card. 

They have damaged my credit score by closing the account ( and did not notify me as required ). I have no interest in reapplying for an account because that will further damage my credit score.
Complaint sub-issue: Their investigation did not fix an error on your report

whom it may Concern, I recently received a copy of my credit report and found that you illegally reporting inaccurate, noncompliant, and false information about me. The Following alleged account is listed as a collection with a PAST DUE BALANCE, Account Name : XXXX XXXX Account # XXXX PAST DUE BALANCE OF {$6200.00} ( inaccurate please delete )
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. 

XXXX XXXX : # XXXXXXXX XXXX  : # XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX : # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

For these two accounts i am disputing inaccurate dates are being reported my proof is being attached it shows my current report that's reporting
Complaint sub-issue: Debt was result of identity theft

This account appears on my credit report but it does not belong to me and i think is part of my identity theft case.
Complaint sub-issue: Right to dispute notice not received

I received a letter from XXXX, agent for Jefferson Systems Collections LLC on XXXX XXXX, XXXX. I subsequently sent XXXX requests for debt verification, the first denied as being received by XXXX and the second mailed Express Mail USPS and delivered on on XXXX and available for pickup ever since this date. Please make note of letter as the is address I mailed validation letter to as it is the address outlined in header. I addition, I also contacted the State of MD to further determine if XXXX was a license collection agency in the state and confirmed that is was not a licensed collector in MD. Convergence, who I contacted via USPS and phone is. However, they directed me to XXXX for follow-up surrounding the status of the debt verification and why they reported a debt that had been requested to be validated. XXXX 's agent who is a licensed debt collector in MD would not assist me or my daughter and frankly gave us the run around. Upon reaching, XXXX via phone, I was instructed that they were a debt collector and they did not have any information surrounding the credit reporting done by them and back dated to XXXX. I receive alerts due to experiencing identity theft and was alerted on XXXX/XXXX/XXXX that a " new '' entry was added to my credit report. As a consumer, I have the right to request validation of a debt within 30 days of receiving notice of supposed obligation, Jefferson and its agent XXXX, denied me my rights and subsequently, I have sent a cease and desist letter, a request for full verification of the alleged debt. Instead, Jefferson and its agent resorted in shady tactics and denied me my right within the first 30 days or receiving a collection notice validation of alleged debt. I have be adversely impacted and suffered.