Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

on XX/XX/2022 i requested The Bureaus Inc a validation of the alleged debt, firts they did not send any letter to request to verify the debt, XX/XX/2022 send the validation letter to them a failed to provide proper validation. and still continued to report the alleged debt to the credit bureaus. 
usps certified tracking number ; XXXX account number XXXX
Complaint sub-issue: Problem with customer service

I have filed for   XXXX   and am suppose to send information in each year. I mailed information and have faxed information several time On  XX/XX/XXXX  I received an email stating I need to make a payment.
I was told on  XX/XX/XXXX  that Nelnet had received all my income verification When I calledn today XX/XX/XXXX  they stated that they had received the information. I mailed them a copy on the XX/XX/XXXX and faxed the information as well.
What did they do with my information.Please help I made {$5300.00} working for   XXXX   XXXX   from  XX/XX/XXXX  to  XX/XX/XXXX    XXXX     XXXX   That was my income for  XX/XX/XXXX  to XX/XX/XXXX . I am mailing them the copies again and addressing them to  XXXX  of whom i spoke with today at  XXXX
Complaint sub-issue: Didn't receive terms that were advertised

The Citi Offer Open a new account in The Citibank Account Package and earn {$400.00} with a qualifying deposit : Open your account by XX/XX/XXXX Deposit {$15000.00} in new funds ( not currently with Citi ) into your checking account within 30 days. 
Maintain the {$15000.00} balance for 30 consecutive days following the deposit XX/XX/XXXX I initiated the account opening process. I chose the on-line funding option. 
I provided my account information in XXXX XXXXXXXX XXXX and my authorization to withdraw {$15000.00} from it to Citi to meet the required deposit. The fund was available in XXXX XXXX XXXX. There was no account number provided to me during the account opening process. 

XX/XX/XXXX Citi Email indicated that I was not an account holder and could not use the account. I responded the email accordingly. There was no account number provided. Attachment XXXX. 

XX/XX/XXXX The fund of {$15000.00} was taken out from my XXXX XXXX  XXXX account by a draft issued by Citi according to the XXXX XXXX  XXXX account record. 
Attachment XXXX, XX/XX/XXXX Citi Email indicated that Account application was approved. Attachment XXXX. 

The checking account was kept in good standing from XX/XX/XXXX to XX/XX/XXXX without getting any bonus or interest.
Complaint sub-issue: Overdrafts and overdraft fees

I have been calling this bank daily and attempting to close my account. I am accruing a $ XXXX overdraft fee, which the bank refuses to refund, despite my repeated attempts to bring the balance back to zero. Service at the branch is not helpful, as I am told employees there ( including managers ) do not have the authority to issue the necessary refund to close the account.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Complaint sub-issue: Problem using a debit or ATM card

I stayed at a bed and breakfast for 7 nights. Owing XXXX, XXXX dollars a night. The owner allowed me to stay, with the promise to pay after I was paid on XX/XX/XXXX. She offered me no copies of anything to support her claim. She photocopied my driver 's license and debit card, which is how she made the fraudulent charges. 

She demanded cash, at that point, which I withdrew on XX/XX/XXXX, in two transactions at two different XXXX stores, for the owed money. Then, without written consent, or any sort of notification, she also wiped out my entire checking account. 

Key promised I would have my money back in my account in no less than 48 business hours. I can not reach a supervisor by phone. I can not pay my credit card bill, nor phone bill either this month. Key has done absolutely nothing to get me a replacement card, expeditiously, nor, most concerning credit the fraudulent charge. The owner keeps blowing up my phone and threatening me and demanding for more than she is owed. She has promised to charge my card again for the ficticious amount owed. 

Key has been cavalier with the concerning issue and done absolutely nothing to repair the damages and losses I've incurred, middle of a move and during the XXXX holiday, they have stood by and done absolutely nothing. Key keeps me on hold for 20-30 minutes at a time and no help has been offered, I'm never allowed to speak to a supervisor. They now claim I will be credited in 10 days. There is zero urgency from them regarding the theft of my money. 

Key has a long history with me of not responding to ANY of my cfpb complaints, nor ever offering any sort of follow up, nor especially resolution. I'm sure this one will be no different.
Complaint sub-issue: Public record information inaccurate

On XX/XX/2020, I sent a letter to LexisNexis to dispute the validity of a bankruptcy that was reporting on my consumer file. On XX/XX/2020, LexisNexis responded to my letter and said that LexisNexis was unable to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the Fair Credit Reporting Act, and subsequently removed this record from your LexisNexis Report The same bankruptcy was reporting to XXXX  and they removed the record from their report ( see attached documentation ). 

I have disputed the validity of the bankruptcy with both XXXX  and XXXX. Neither of the have removed the record. Furthermore, both credit bureaus said that the information was obtained from LexisNexis. XXXX  responded on XX/XX/2020 and XX/XX/2020 and XXXX responded on XX/XX/2020. If LexisNexis removed bankruptcy case number XXXX from my report, then why are they continuing to report this information to the credit bureaus. I feel that this is a violation of the Fair Credit Reporting Act. Please see the attached file for all documents that support my claims. 

I ask that you stop reporting this unverified information to XXXX  and XXXX. Furthermore, please contact XXXX  and XXXX  and have them remove this information from my credit report as it is inaccurate.
Complaint sub-issue: Trouble with how payments are being handled

I 'm being misled by my student loan servicer. They 're named Nelnet. Here 's how Nelnet misleads people : 1. You make payments online - in my case I 've made four payments online over the past three months.

2. You get an email confirming your payment - The emails literally say " Thank you for your payment. '' They show the payment amount, payment date, even the routing number and account number. I got these confirmations every time. All information listed was correct in each case. I know because I checked with my bank and with Nelnet. 

3. This confirmation email is meaningless and misleading because you get them even if your payment is n't processed - For reasons neither Nelnet or my bank could explain, none of the payments were processed. 

4. No follow-up email is sent to alert borrowers that their payment was not successfully processed - again, incredibly concerning and misleading. 

5. Meanwhile, interest on your loan keeps piling up even though you think you 're paying off your loan - Nelnet benefits at the figurative and literal expense of borrowers like me trying to do the right thing. 

6. When I realized what was happening, I immediately made Nelnet aware. I asked for the interest to be waived. Nelnet refused saying that it was " impossible. '' To recap : I paid my student loan payments to Nelnet online. They sent me confirmation emails that said " Thank you for your payment. '' Yet they never received such payments. And they never told me that my payments had not been processed. Meanwhile, interest accrued.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed online with the credit bureau but they still keep inaccurate information on my credit file. The information I have disputed numerous times comes back as being verified however I don't receive information that explains how they verified the information with a creditor and remains on my credit file thus affecting my credit score.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$3900.00} ; XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Didn't receive notice of right to dispute

Jefferson capital systems , LLC by and through theirs attorneys XXXX XXXX XXXX XXXX XXXX keep threating they going to seize my bank account and report me to credit reporting agency
Complaint sub-issue: Debt is not yours

EOS CCA is attempting to collect for XXXX XXXX I do not know. I have not received any documented letters from EOS CCA. I checked my credit and found out of this collection. They did not give by law my 30 day right to dispute, and they are in clear violation of the 30 day right to dispute law.
Complaint sub-issue: Account information incorrect

I attempted to go through a refinance company on XX/XX/2021, for my mortgage and to my surprise was told that some derogatory information by EQUIFAX MORTGAGE SOLUTIONS, a credit check service for the mortgage industry; whom I NEVER gave expressed nor written consent to have a report in the first place with any of my personal data/information is reporting inaccurate, false, misleading and deceptive information that is impeding me from moving forward with this refinance company. It is a fact, that, I, have reason to believe and do so believe, I am a victim of aggravated identity theft under Title 18 U.S.Code 1028A, as EQUIFAX MORTGAGE SOLUTIONS, has knowingly used without lawful authority, without my permission a means of my identification, which is in direct violation of 15 USC 1681b. The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681, requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. Under the FCRA, I have the right to dispute all incomplete and inaccurate information in my credit reports with the agency that made the report. And as a, federally protected consumer, I will use all remedies available to me, and hold the CRA liable under 15 U.S.Code 1693m for the actual damage caused to me, as well hold them liable for any and all violations, and of course hold them liable for criminal liability pursuant to 15 U.S.Code 1693n. Please see enclosed attachments of proof provided to me by the refinance company of the same derogatory inaccurate information I am disputing here today, that they see on their end. I have already attempted to handle this over the phone with the company in this complaint, and as of yet no luck, and no solution based outcome as come out of it.
Complaint sub-issue: Information belongs to someone else

Not so long ago I wrote a letter regarding accounts that I have disputed and can be found in my credit file that was incorrect and inaccurate, I am very upset that they are still showing in there. I do not validate that accounts and it is a violation of the US Code 1681 Accuracy and Fairness in Credit Reporting under the Fair Credit Reporting Act.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2019 I sent a dispute letter to Equifax disputing several inaccuracies on my credit report. After not receiving ANY response or update after approximately 37 days, I then sent a letter on XX/XX/2019 concerning the lack of response. Here we are a month later and I STILL have not received any response from Equifax.
Complaint sub-issue: Their investigation did not fix an error on your report

lexisnexis wants new information I gave it to them I have never lived at XXXX XXXX XXXX XXXX the home during my investigation revealed that address belong to a XXXX an XXXX XXXX. This is the new information I have have them investigate ASAP
Complaint sub-issue: Problem with customer service

In XX/XX/2018 I cosigned a private student loan for my daughter with Discover Student Loans. We were told it would not be problem to consolidate and refinance the loans in order to have me removed as a cosigner and my daughter have a better interest rate once she graduates. This has been anything but easy. Discover will not allow my daughter to consolidate her loans ( 2 ) and remove me as co-signer, stating she does not qualify. They are unable to provide any credit criteria literally stating " its different for everyone ''. I have spoken to their consolidation department and manager - XXXX. They are unable to provide and unwilling to try and locate this information within Discover. They simply say " we put the application information into the computer and the " computer tells us '' whether it is approved.This is unfair and abusive credit practices. Consumers should have the right to know the credit score, DTI and any additional credit criteria required in order to be approved to consolidate the student loans. More importantly ; consumers should be told this information prior to accepting and obtaining the loan with Discover.My daughter 's interest rate is over 9 % which is awful for a recent graduate to have to pay when they are just starting out.The initial sales tactics are flawed and misleading ; only to now deal with their back operation pitfalls and a denial with no further information. Consumers should be provided with the criteria needed to qualify. Please stop these companies from taking advantage of college graduates who are trying to get an education and provide themselves with a better life and career.
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 XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reinserted previously deleted info

My Complaint with Equifax about XXXX damaging my credit and Equifax allowing them to continue to damage my credit. I feel that if credit reporting agency Equifax is not reporting the XXXX account correctly. I have numerous disputes to Equifax regarding Navient incorrect reporting of the account. In an earlier dispute Equifax agreed with me and updated my credit report but XXXX reporting the incorrect information which is severely damaging my credit report. I sent a forbearance letter from XXXX stating that the dates were I was suppose to make payments on the account I was in a forebearance period, but I still made payments. I am enclosing documentation of payments made to XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax violated my rights under the FCRA. 1681e ( a ) ( b ) - Accuracy of Report XXXX violated 15usc1681section 602A states i have the right to privacy and 15 U.S. Code 1681b ( a ) ( 2 ) I disputed this with Equifax on XX/XX/22 and they verified this as accurate.
Complaint sub-issue: Information belongs to someone else

I found out my identity had been compromised because my wallet was stolen from the store. I didn't take the proper measures afterward, I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never opened. I then started to investigate and pulled my credit to check what all had been opened. There are way too many fraudulent accounts opened that I am not familiar with and a outrageous amount of inquiries that not all I was able to list on here. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$540.00} XXXX XXXX {$450.00} XXXX XXXX XXXX {$590.00}
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok XXXXncome. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Complaint sub-issue: Investigation took more than 30 days

I have several items on my reports that are past stats and needs to be remove. I have disputed these twice already and nothing has been done. The law is 7 years and they are way over 7 years old and need to be remove. I didnt realize it would be such a fight to have this done can you tell why that is? Now a days it just a hit of the button so why is this so hard to do? If this is not taken care of soon I will contact a lawyer and sue,
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed a duplicate account with a collection agency reporting to Equifax in XX/XX/XXXX, but they did not remove the duplicate account after the investigation was complete. 

The original account for the same debt was first assigned on XX/XX/XXXX. The duplicate account was assigned on XX/XX/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. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Owed : {$2900.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Owed : {$720.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

I do not know where start. I so XXXX right now I have been fighting with all Credit Bureaus about this issues. On my reports there a XXXX XXXX that was open XX/XX/XXXX. I have NEVER and I repeat NEVER had account with them in my life.. Why is this so hard to get remove when it not mine. I have been sending disputes since XX/XX/XXXX and nothing to this day has came off. I understand that people lie abou this but I am not and wouldnt fighting so hard if I was. This is really damaging my report and I want it remove.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

I noticed my paycheck was n't the normal amount. I reviewed my paycheck statement and noticed {$490.00} taken out listed as garnishment. 
I contacted our payroll representative as I thought they had mistakenly started taking out spousal support to early. My divorce just completed and it 's due to start coming out of my pay next month. 
Payroll informed me that this was from a collection agency, not spousal support. The collection agency is listed as XXXX XXXX. 
I was not notified in anyway that this process was going to happen. I was n't aware of anything until I noticed this yesterday XXXX/XXXX/XXXX. I searched online and it appears I should of been served papers, or at least received something regarding this action.
Complaint sub-issue: Account status incorrect

In the month and date of XX/XX/2018 it was reported on my credit report that I was delinquent 60-89 days on my account when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank, but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a personal loan because of this mark on my credit and the company will not help me with this unpair situation.