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

HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE! 
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I  had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.
Complaint sub-issue: Account terms

I have sent Equifax proof several times how XXXX XXXX has been ( for over 3years ) falsely report to companies that I have late payments from 30-120 days late yet I was granted a deferment for these XXXX account ( total ). 
Equifax is avoiding my request by keep sending me a letter staying they were unable to honor my request because This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to OUR company that the prior paying history is being reported correctly and that additional information has been provided from the original source regarding this item. 
This is what Equifax keeps sending me everytime I try to have them investigate those XXXX total XXXX accounts that 's currently being falsely report late payments of 30-120 days late years after I was granted a deferment. 
please show Equifax the attachment deferment ( letter ) that was granted but yet never honored by XXXX.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Complaint sub-issue: Card opened as result of identity theft or fraud

someone use my Identity to Open Credit Card & Bank Account/Cash App. 
His XXXX XXXX XXXX, Phone # XXXX email : XXXX XXXX
Complaint sub-issue: Trouble using the card to pay a bill

I got a card issued through work and have had no issues till about 3 months ago. The card company is called money network. My card was declined while at a store but I had other means of payment and thought nothing of it. XX/XX/XXXX I attempted to use the card yet again to pay for college textbooks and other bills but was declined again. I called the company and was told my card was on hold, they never told me the reason, but told me to fax over my identification issued from the government, my proof of residency and my social security. I sent them out on Tuesday XX/XX/XXXX around XXXX or so. I called again the XXXX because my card was declined again. They said my ID was blurry. I sent my ID out on XX/XX/XXXX at XXXX in the afternoon. I called later that day. The card company told me they never received any of the faxs and that I needed to fax all three again. I asked to speak to a supervisor and he claimed it was just my ID, so I faxed it again XX/XX/XXXX at around XXXX. I called pretty much every day sense and have been told multiple things regarding why my card was still on hold. Several supervisors and customer service representatives have told me misleading information or left out information that would have helped me. I attempted to close my account and get a refund issued but they refused. I asked for documentation as to why it was on hold and they refused. Have not been able to use my account since around mid XXXX.
Complaint sub-issue: Investigation took more than 30 days

We are attaching a copy of the letter my husband and I sent to Equifax on XX/XX/XXXX. They are supposed to respond within 30 days, but its been over 2 months and we haven't received a response yet.
Complaint sub-issue: Their investigation did not fix an error on your report

It is for a total of XXXX, which was originally from an allegation in XXXX. It was sent to collections and was removed under and agency called, XXXX XXXX ( officially on my credit report XX/XX/XXXX ). Then they transferred this claim to another collection agency after it was removed, enhanced recovery company. It is the same state and city, just different P.O. Boxes. Then they fraudulently are making it seem it it from recent incident and dinged my credit XX/XX/XXXX. They have been saying I havent made payments every month and reporting, there is no monthly payments I agree to and this is not from this year. This is XXXX. Then I report it to XXXX who closed it in days and says this collection agency is right. How is that true when dates are not accurate nor is this monthly payment it is trying to falsify and affecting my credit every month. I am outraged how poorly this was handled. This should be taken off my credit report immediately.
Complaint sub-issue: Was not notified of investigation status or results

The company never responded in the matter of CFPB XXXX. Neither the creditor or the company reached out to resolve my complaint. According to the Fair Credit Reporting Act, I must receive some type of dispute resolution and I have yet to receive anything and it has been months. The bureaus have asked for additional time and that time has come and gone. My initial dispute was in XX/XX/2022 and its not XXXX XX/XX/2022. I am demining that these items be removed from my credit due to the amount of time that has passed and no results have been provided. I will once again attach the original documents. A wet signature or any other documents used to furnish these items on my credit file have yet to be produced to me. Until further review of theses accounts they need to be removed.
Complaint sub-issue: Can't get other flexible options for repaying your loan

For over 4 years I've been getting collection calls every single day from XXXX XXXX. Even when I pay them, I still get a call. It's harassment. I want it to stop. And they would never let me refinance my loan, even when I tell them I'm unemployed and never eat. I hate my life. I hate XXXX XXXX. They've contributed to the falling out of me and my brother in law, who was the original co-signer. As much as I've paid them both back, I've paid in interest, and this won't ever go away. Not to mention every single day I get at least 4 phone calls. XXXX XXXX. I don't have your money.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following account : XXXXXXXX XXXX XXXXXXXXBalance {$0.00} DEPT OF ED/XXXXBalance $ 0-Original amount : {$2700.00} DEPT OF ED/XXXXBalance $ 0-Original amount : {$3000.00} DEPT OF EDXXXX-XXXX-Balance $ XXXX-Original amount : {$2200.00}
Complaint sub-issue: Can't temporarily postpone payments

For the past month I have tried applying for an income-driven repayment plan. I have met all the requirements and completed all requests necessary for this repayment plan as required by Nelnet. 
When I first applied, I was told to submit a self-certification letter stating the name of XXXX agencies I do work for, pay frequency, hourly pay, and to state in the letter that taxes are not taken from my paychecks as a XXXX. I submitted the self-certification letter with all that information and a few days later they sent me an email saying that I needed to resubmit the letter because pay frequency was missing, which was not. I called them and they told me to write the letter again but to include a statement saying that taxes are not taken from my paychecks ( that is not what the email said ). I wrote the letter again and today I got the exact same email again, saying that my self-certification letter is missing pay frequency, so they 're asking me to rewrite the letter and include that information, which I already did in the previous two letters. I called Nelnet and they told me that this time I need to include a sentence that says that I get paid once a month ( as opposed to every three weeks, which is what I wrote in my previous two letters ) and to exclude the sentence that says that taxes are not taken from my paychecks. First of all, the email they sent me is requesting something completely different from what they told me on the phone. Second of all, now they are asking me to NOT include the statement about my taxes when previously they denied my letter precisely because the letter did NOT include such a statement. The people at Nelnet are just simply refusing to accept my letter and process my request. This is discrimination. I kindly request that you help me resolve this discrimination issue. This act of discrimination is not only wrong in itself but it is also affecting my account because it is already showing as past due since my first monthly payment is now due and because they have refused to process my repayment plan request it will give me bad credit history.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I sent a letter regarding an accurate in unknown things on my credit report. To this day over 60 days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section ( a ), its 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 it has been over 60 days so they should be deleted properly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

In according with the Fair Credit Reporting act XXXX, Account name- XXXXXXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Didn't receive advertised or promotional terms

I received a email from citibank on XX/XX/XXXX for 5 % back on online purchases from XX/XX/XXXX through XX/XX/XXXX. I made 4 purchases on XX/XX/XXXX and they are only crediting the one transaction that posted within the day, they are not honoring the other three since they took 1-2 additional days to post, it does not say this anywhere within the body of the promotional email.
Complaint sub-issue: Received bad information about your loan

On XX/XX/XXXX, I attempted to make a scheduled payment for my student loans with Fedloans. When I spoke to the representative, she said since my payment wouldnt file until after the loan forbearance took effect, that I wasnt responsible for my XXXX payment. Therefore, I canceled my payment. 

However, when I logged into my account in XX/XX/XXXX, it showed that I was behind on a payment. I called and spoke with another representative, she said that if I made the payment then, it would count towards my XXXX payment. Therefore, I made a payment of {$570.00} on XX/XX/XXXX as instructed to count for my XXXX of XXXX payment. 

When I submitted my next employment certification form XX/XX/XXXX, they did not count my XXXX payment as a qualified payment. I had called and spoken to another representative and she said she would submit a request to have that payment reviewed. I had not heard anything for a month and so I called again and they said it was still under review. 3 months later, I called again, and they said once again, it was still under review. 

After over a year of not hearing anything, I decided to submit another employee certification form on XX/XX/XXXX, and they still stated that the XX/XX/XXXX payment did not count as a certified payment. 

I called and spoke to a representative and she said she did not see any claim being reviewed for my XXXX payment to count as a qualified payment and said she would submit the claim. Its now been over a month and I still have not heard anything. 

I have continued to speak with several representatives and have been given false information numerous times.
Complaint sub-issue: Information belongs to someone else

There are items in these reports that are utilizing my credit without my permission, and putting accounts that I have already reached out to to prove their allegation for the account they're claiming. I've sent numerous documentation providing lawful information proving the debt doesn't belong to me and that I had no relationship with them. Yet, they have not been able to provide those registered sent information. 
XXXX is an old account that is paid off, yet they have adverse information affecting my credit.
Complaint sub-issue: Investigation took more than 30 days

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

Multiple accounts on my reports I do not recognize
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted disputes and the company has still not removed this information. I received a letter from Equifax dated XX/XX/2022 stating that they have verified this alleged Bankruptcy with XXXX XXXX. Meanwhile I recived a letter from XXXX XXXX on XX/XX/2022 stating that this Alleged Bankruptcy has been removed due to incorrect information. Therefore it is impossible for Equifax to have verified this Account with XXXX XXXX if XXXX XXXX has already removed it!! Equifax is now in violation of several consumer laws! I did not receive a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) E ) states : The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Also 15 USC 1681s-2 ( A ) ( 1 ) states : 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: Was not notified of investigation status or results

How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Complaint sub-issue: Debt was paid

I moved out XXXX, located at XXXX on XX/XX/XXXX. I was subsequently notified of resulting move out charges in the amount of {$1000.00} via mail on or about XX/XX/XXXX at my new address in XXXX ( See annex A ). I was not notified of these charges at anytime prior to this date either orally or in writing. The notice stated I had 30 days from the move out date to remit payment which I did on XX/XX/XXXX ( see Annex B ) However, XXXX XXXX had already referred my account to a debt collection agency, Hunter Warfield prior to the XX/XX/XXXX deadline ( see Annex C ). The amount paid was in the value of {$1000.00} as a {$64.00} is currently in dispute with XXXX XXXX XXXX.
Complaint sub-issue: Other problem

I made a balance transfer for XXXX XXXXXXXX ( plus some fees, etc ) originally from another card to my Citi card. The Citi card was not used very often, so it was set to automatically pay in full for the longest time. I swear I remember before making the balance transfer, that I changed it from pay in full to pay minimum bialances, that way if a payment was missed, at least a minimum payment was made. 

I made a {$1500.00} payment before the due date, however, on XX/XX/28, I noticed my checking account had been overdrafted by {$3500.00}. I see an additional payment was made from Citi for {$12000.00}. I immediately call Citi on the XXXX, and tell them that payment should not have gone through. They put in a refund request and stated it would take XXXX business XXXX. Borrowed $ XXXX from a friend to cover overdrafts for a short amount of time as they stated XXXX business XXXX 

Called them on the XXXX, and they told me, it had just been approved on the XXXX or XXXX, and it would be XXXX business XXXX from then which would be today the XXXX. 

I called them again today, and was told that it was approved on XXXX for deposit, and I should have it on XXXX. 

This is ridiculous. I can't get a straight answer and I've had this account for XXXX XXXX. I shouldn't have to file a complaint with you either. 

Please help if you can.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been member for XXXX and Equifax and now weird inquiries in my account and not feeling safe with my information with Equifax
Complaint sub-issue: Account status incorrect

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXXXXXX XXXX  XXXX Balance : {$3800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} ( Original Creditor : ) XXXX Balance : {$0.00}