Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Frequent or repeated calls

Jefferson Capital System is ruthless. This debt is a time barred debt. It on an old XXXX  XXXX  account that is about 15 years old and these people are on my credit report when XXXX XXXX is not. They will not stop calling me now matter what
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Recently, I did an investigation on my credit report which cuased severe XXXX upon me and found information provided was inaccurate and questionable that your agency did not make sure it was reporting 100 % accurately. 

In accordance with the Fair Credit Reporting Act, evertyhing has to be 100 % accurate on my credit report and under 15 U.S.C 1681 Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accuratly. 
XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. 
No Additional Information was provided by Creditor. Creditor also Failed to show proof of ownership and debt verification in a court case. 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 consent. They have failed to provide proof to me, and proof to the courts that they own this debt or have a lawful right to collect on this debt. 

Collection : XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. No information has been provided to me personally on this debt. Also this Collection Agency has failed to provide proof of ownership of this debt. n accordance with the Fair Credit Reporting act 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 consent. There is not a contract between XXXX XXXXXXXX XXXX and I and never has been.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

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 Account # XXXX ( input accounts ), 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX DATE ASSIGNED : XXXX, XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Complaint sub-issue: Trouble with how payments are being handled

I have created many complaints on behalf of AES for not allowing me to put me in a payment plan where my payment goes to my principal is a respectful way. I pay {$270.00} a month and cents only goes to my principal. If you see my payment history, it hardly touches my principal. THIS IS WHY WE NEED REFORM AND NOT A GOVERNMENT BAILOUT! 

- see payment history attached
Complaint sub-issue: You told them to stop contacting you, but they keep trying

On Thursday XX/XX/XXXX I received a call from an unknown number which I ignored. Moments later I received a call from my son stating that he just got a call. When he answered the phone, the man said " Is this XXXX XXXX, Social Security number XXXX ( actually reading off his social ) my son said yes, now who the XXXX is this. The man asked if he knew me. My son said yes, what is this about?. The man said " She knows what this is about. Have her call XXXX extension XXXX. He then hung up on my son. I then called this number and asked this person who he was and explained that what he did is illegal. He stated " no its not. Just wait for your papers in the mail. '' The company is Schreiber law of XXXX NH, hired by XXXX XXXX XXXX. I have a job that requires clearance. This company calling relatives and rattling off social security numbers without knowing who they are speaking with is a breach. Can someone please educate them. Thank you.
Complaint sub-issue: Attempted to collect wrong amount

Your company reported a debt opened in XXXX, XXXX. If I am not mistaken, this debt is from about 6 years ago. You keep " reselling '' this debt from one company to another and restarting the " opened date '' to stay on my credit report longer. This is against the FCRA.
Complaint sub-issue: Reporting company used your report improperly

I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. I have also attached the letter I sent out. 

According to the FRCA 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/she is acquainted or who may have knowledge concerning any such items of information. 

They state my account was verified but how is that possible if they did not do a proper investigated according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : - XXXX XXXX account # XXXX - XXXX XXXX account # XXXX - XXXX account # XXXX - XXXX  account # XXXX - XXXX account # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter addressed to the 3 Credit Bureaus requesting to conduct an investigation and correct the information being reported. The 3 credit bureau must validate this account in line with FCRA 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 listed account need to investigate and correct from erroneous reporting. 
XXXX XXXX XXXX XXXX {$12000.00}.
Complaint sub-issue: Can't temporarily delay making payments

My student loans began at just under XXXX. That was the last I attended in XXXX. They jumped to XXXX in XXXX with a consolidation that I did not ever apply for ... the consolidation amount {$65000.00} to {$140000.00} with AES/XXXX, They also left out a loan I have been paying on for years through XXXX ... They are in the last name which is not my name. I do not have an ID or any way to prove that it is not me. I have sent my soc cars as well as my South Dakota drivers license to them. They will not speak to me about this debt and they provided me a fraud packet via mail. I have not had a response back and I can not speak with anyone regarding this issue due to my name vs, name on the account. So it is bounced back and forth between PHEAA and AES/XXXX. My credit is greatly affected. the most recent letter I received is from PHEAA and the amount is now at {$190000.00}!!! I am paying on an unsubsidized and have been for years that began at XXXX. The other, currently with PHEAA began at around subsidized was originally XXXX. They send mail to me in my name and when I call them or try to make payments they refuse to talk to me unless I can produce the name my account number, social security number and birthday are associated with.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$4500.00}, {$4600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4600.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writting thid due to non-comliance with the CRA [ EQUIFAX ] They have failed to remove, update information that was inacctuare, incomplete reporting that had been challenge in the pass I strongly believe that they are in Violation of the FCRA and are outright refusing to uphold the Law
Complaint sub-issue: Account information incorrect

The Student loan company called XXXX is reporting an amount and late payments on an account that is closed and has been charged off. They are reporting to different amounts I only had loans with XXXX XXXX and they loans were federal loans and not private loans the first amount is {$71000.00} and the second amount is {$79000.00}. Also they are reporting to the CB every month as late and it's effecting my credit score in a huge way, which can effect my employment. I've already placed an dispute with the CB. As well. I would like to have this account deleted off my account because I do not owe this amount of money with them.Also the late payments removed.
Complaint sub-issue: Information belongs to someone else

XXXXDEPT OF ED did not purchase the promissory note from XXXX : XXXX XXXX All allege contracts are completely fraudulent & the attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity of identity theft & power of attorney fraud. Please expedite the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, & losses due to me being a victim of identity theft. The FDCPA is intended to secure my right to privacy & my privacy has been breached. I am sure the removal of my information from your company records, and/or with any corporate aliates like XXXX, XXXX or Equifax to ensure my privacy rights won't be violated again due to my lack of consent. Please BLOCK & REMOVE all information resulting from Identity Theft pursuant to FCRA 605B ( 15 USC 1681 c-2 ) which states that these accounts must be removed within 4 Business Days. 

XXXX has failed to provide with the actual contract. XXXX has only provided a photocopy of the contract, which includes a variation of my name, but ITS NOT my name. XXXX and XXXX are two different names even though they are identical. 

For an example, XXXX would be someone different from XXXX, as XXXX is Not XXXX. 

The driver license the contract displays is NOT my driver license number. The signature displayed is NOT my signature either. 

I have attached a copy of the FTC identity theft report. The account in detail is listed at the bottom of my FTC report.
Complaint sub-issue: Problem during payment process

During the Pandemic, I pro-actively reached out to all my creditors because we were mandated closed by the New York State. 

I communicated with my creditors about payments and what I could do while we were shut down about minimum payments. During this time they kept reassuring me that they understood and would work with me. There were days that I had to wait for XXXX hours on the phone trying to contact each vendor just to reach someone. 

I paid each creditor in full - all balances, interest, fees. I was told that upon payment that my account would show a positive payment status and history. I even asked them how they were going to report this to my credit bureaus. They all said that the account would show as being Paid in Full. 

However, this was not accurate or true. 
Based upon my review of my credit reports- They did not apply any PANDEMIC RELIEF or HELP to any months where I asked. They were recording every month as paid late. OR in one case even though the account was paid in full : The status was charged off. 
It was not until I asked them after making the payments why this was the case- when they each had indicated that due to the pandemic they would be providing some months of forgiveness and reduce the number of months that showed as late. In addition, my credit reports did not reflect for months afterward, the fact that each and every XXXX was paid to the creditors. 

I lost Business in the pandemic that I built for 20 years. I clearly know what it means to sacrifice and make changes. Each of my creditors was not cooperative nor were they transparent in how they were going to report my payments, final payoff, or any of the details that are negative on my credit report. 

If this is not resolved in a reasonable manner, I have hired an attorney and I will be suing each creditor and the credit reporting agencies for damages in STATE and FEDERAL COURT if I did not get a satisfactory resolution to this.
Complaint sub-issue: Deposits and withdrawals

My wife and I are XXXX, Medicare folks, on a fixed income. In XX/XX/2022, I received a call from XXXXasking if I authorized a purchase and when I realized something was wrong hung up the phone. It was too late I became a victim of XXXX scam in XXXX XXXX. The scammed accessed my cell phone and sent a XXXX for {$2500.00}. I immediately drove to PNC same day and was told they would research it. I received a call from PNC and was confused by all of the questions because they kept asking me if I gave them my account password and I kept saying no I would never give my bank password but somehow PNC said the transfer came from my phone which was part of the scam. I never accessed my bank account t but when I looked up my XXXX account the scammers somehow accessed XXXX. I pleaded with the rep, was transferred around and was told I would get a call back. I spoke to the PNC Client Services and the rudest lady said it was my fault I gave them my account. I sent the XXXX  a letter and the lady called me back and said I shouldnt have done that and now there is no help from PNC. Out of fear I closed my account but later learned that my IRS stimulus payment was deposited in that account. I lost {$2500.00} which was taken from the IRS Economic stimulus payment. Its been so hard and a year later my wife and I are still suffering. Ive read several news articles and stories of victims who were scammed but their banking institution did the right thing. Im asking for help because I need it.
Complaint sub-issue: Information belongs to someone else

FACTUAL DATA Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX CARDS XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX all inquires ftc violations
Complaint sub-issue: Their investigation did not fix an error on your report

this account is not mine. I contacted the creditor as well as sent them a copy of police report stating my information was used
Complaint sub-issue: Information belongs to someone else

Hello there is an open XXXX account for XXXX $ on my credit. I called XXXX and they say it was opened before I even turned XXXX. Its been in my credit since the day I turned XXXX XXXX XXXX. And this isnt something I wouldve or shouldve been able to do.
Complaint sub-issue: Deposits and withdrawals

On the XX/XX/2021 I made a transfer of {$25000.00} from my XXXX checkings to my Citibank checkings account ( the money was meant for an urgent Medical and business project purpose ) the money was made available in my Citibank XX/XX/2021 as I tried to access the money I was locked out of my online banking I called Citibank and they told me my account has been closed for no specific reason and also told me I would be sent a letter and a check of my balance with XXXX days this occurred around XX/XX/2021 and until now I have received nothing, I kept calling and they keep telling me there is nothing they can do .I strongly believe that I did nothing to deserve this treatment from Citibank I have XXXX a whole lot in my business and my health is also on the line .I feel intimidated and I need help seriously this issue is seriously affecting my life and Citibank are responsible for this .please help me!!
Complaint sub-issue: Account status incorrect

Equifax, XXXX, and XXXX  are unfairly setting my credit scores. In the month of XXXX, my credit score dropped ~30 points down to a XXXX due to an incorrect late pay reported by my mortgage company ( XXXX XXXX ). I got this corrected and saw no adjustment in my credit score. My credit just dropped another ~30 points because my credit balance increased ~XXXX. I believe Equifax is displaying unfair practices.
Complaint sub-issue: Card opened as result of identity theft or fraud

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX. 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX, XXXX.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX, I logged in the Citi Credit Card webside to review my transactions. I have pictures taken on XX/XX/XXXX which show my last statement balance as {$2900.00}. 

On XX/XX/XXXX, I called Citi customer service and disputed three charges ( 2 made on XX/XX/XXXX for {$39.00} and {$110.00} ) and another charge made on XX/XX/XXXX for {$39.00}. 

I did receive the credit for the XXXX charge, however, there is no credit for the XXXX charges. In the statements it looks like Citi credited the account, however, the credit does not show up anywhere. 

On XX/XX/XXXX, I called Citi three times and the dispute representative insisted that the credit for the month of XXXX was given, however, he could not explain why the last statement balance for XXXX remained the same even after the dispute was filed. The statement balance on XX/XX/XXXX was {$2900.00}. The dispute was filed on XX/XX/XXXX. 
The statement balance calculated and provided by the City representative TODAY also {$2900.00}. Where is the credit for the dispute charges made on XX/XX/XXXX? 
The representative stated that he could not answer any more of my questions so he transferred me to his supervisor XXXX who hang up the phone shortly after receiving the call. 

I would appreciate your assistance in addressing the lack of credit given that the dispute was filed and reflected in the statement, however, the statement balance remained the same for the XXXX period.
Complaint sub-issue: Their investigation did not fix an error on your report

I am submitting this CFPB complaint to you today to request to you to correct my Credit File from erroneous reporting. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts : XXXX XXXX XXXX Balance Owed : {$490.00} XXXX  XXXX Balance Owed : {$130.00}
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that Credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that Credit Bureaus decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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: Their investigation did not fix an error on your report

Account was in deferment but fed loan serving reported it past due and after reporting it past due changed the loan to current.