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

ERC is reporting {$670.00} is owed to them, with an original account balance from XXXX. 
I called ERC on XX/XX/2020 at XXXX AM to get more information. They informed me they do not have an account there for me and that it was closed XXXX. Then I called XXXX at XXXX on XX/XX/2020 and they told me they can't access any accounts on/for me. Both companies put the blame on the other and were not helpful in giving me any information on how to get this removed.
Complaint sub-issue: Information is missing that should be on the report

I contacted XXXX XXXX XXXX XXXX, Credit Bureau Disputes Division, via phone # XXXX and fax # XXXX to report that an account I voluntarily closed in XX/XX/XXXX had been deleted from my files with the CRAs. I am attaching copies of my letters and other documents provided to XXXX. Since the loan was not in a derogatory status when we paid it off, I expected the record to continue reporting until XX/XX/XXXX. On contacting the CRAs, I was told that XXXX XXXX instructed them to delete the record. I conclude thaXXXX XXXX mistakenly instructed the CRAs to delete the credit item after I asked the bank to remove only an invalid remark on my credit reports stating this loan was in dispute. Prior to the improper deletion, this account positively impacted my credit scores because of its age and positive payment history, and its deletion helped to lower my credit scores. My wife and I opened the joint LOC in XXXX XXXX ; it was always paid on time, and the account was in a positive status when we voluntarily closed the account around XXXX XXXX. For over 6 weeks in XXXX and XXXX I worked tirelessly with XXXX XXXX to attempt to get the item back on my credit reports. I made multiple phone calls and also wrote to the bank providing an old credit report that showed a truncated loan number. XXXX XXXX XXXX, a XXXX XXXX employee at the banks credit card executive office called me around XXXX XXXX to state that I must provide a " complete loan number as their records for this account were no longer available .... and without a complete loan number she could not assist me any further .... '' For reference, the rep provided a case number, XXXX, for my use in making future inquiries on this matter. I can not locate the old statements for this loan and I am puzzled and frustrated as to how the history of my loan with the bank can be unavailable after just a year of the account being closed. Furthermore, the historical record for this loan is still reporting accurately on my spouse 's credit report. It is my opinion that XXXX does not appreciate the importance of this matter to me and is not doing as much as it can. Please assist me in getting a prompt resolution to this matter. I am working diligently to rebuild my credit history and removal of this long-standing and positive credit record has had significant negative impact. If I should contact the FTC instead, please let me know. Thank you kindly!
Complaint sub-issue: Information belongs to someone else

Equifax and XXXX  has information on my credit report that does not belong to me collections from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX
Complaint sub-issue: Threatened or suggested your credit would be damaged

Jefferson Capital Systems , LLC has used obscene and belligerent language requesting to collect a debt ; that they have shown no evidentiary documents I have a contract with the said company. Jefferson Capital Systems , LLC are in violation of 15 USC 1692.
Complaint sub-issue: Report provided to employer without your written authorization

RE : UNAUTHORIZED INQUIRIES & PERSONAL INFORMATION PLEASE REMOVE THE FOLLOWING UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX : INQUIRY DATE : XXXX XXXX PULL INQUIRY DATE : XXXX XXXX XXXX, XXXX XXXX INQUIRY DATE : XXXX XXXX INQUIRY DATE : XXXX XXXX BANK INQUIRY DATE XXXX THE FOLLOWING ADDRESSES ARE INCORRECT PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX THE FOLLOWING INQUIRIES AND PERSONAL INFORMATION ABOVE ARE INACCURATE, AND I DIDNT GIVE THESE FOLLOWING COMPANIES AUTHORIZATION TO ACCESS MY CREDIT REPORTS FOR THIS REASON. BY LAW SECTION 604 15 U.S CODE 1681 B STATES THAT CREDIT REPORT AGENCIES, DONT HAVE THE RIGHT TO REPORT ANYTHING ON MY CREDIT REPORT WITHOUT A WRITTEN CONSENT FROM ME. BY LAW SECTION 605 A 15 U.S CODE 1681 C-1 STATES NO CONSENT FOR THESE INQUIRIES WHICH MEANS IDENTIFY THEFT. BY LAW SECTION 605 B 15 U.S CODE 1681 C-2 STATES THAT IF CREDIT AGENCIES ARE NOTIFIED ON SOMETHING ON YOUR CREDIT REPORT THAT RESULTS FROM IDENTITY WHICH MEANS THAT I DIDN'T GIVE CONSENT ONCE AGAIN TO THIS.

PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT REFLECTING THE ABOVE CHANGES!!!
Complaint sub-issue: Account information incorrect

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$10000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$6100.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed : {$6400.00}
Complaint sub-issue: Investigation took more than 30 days

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX of XXXX. The credit agency XXXX, XXXX   and Equifax have not verified my dispute and refused to remove the Bnackruptcy from my report.
Complaint sub-issue: Their investigation did not fix an error on your report

The 3 Credit Bureaus are reporting inaccurate information on MACYS/DSNB. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Since XXXX XXXX & XXXX XXXX - XXXX, errors made in my account. 

Reporting me late when I was not late, they were confusing bank accounts on records, and there is money on both bank accounts. 

Giving credit $ per month for having auto pay & direct pay with bank account., and taken it out and not delivered on them. 

Reporting me late to the credit bureau. 

Changing the due date without notice, the date The I have since XXXX. 

And so on, Many errors they have made.
Complaint sub-issue: Reporting company used your report improperly

I try dispute with all 3 Bureus a chapter XXXX also disputed with lexis nexis they all saying is verified by court they all get in this information from Lexus nexis that is a third party agency so basically they are lying so in other words I would like this resolution resolved right away thank you they all lied sayin is verify by court court doesnt report to know one please deleted this immediately as I have proof from court an also is against the fair act to lie in reporting a file
Complaint sub-issue: Account information incorrect

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are inaccurate and unverified items. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing XXXX XXXX XXXX c ) ( B ) ( iii XXXX, which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on 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 and XXXX XXXX XXXX. As stated, in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Complaint sub-issue: Information belongs to someone else

RE : XXXX XXXX XXXX XXXXXXXX - I was never late on this account, To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation of status of account. Under FDCPA I have the right to request validation of status of my account. you say I owe you. 
This is NOT a request for VERIFICATION or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation
Complaint sub-issue: Information belongs to someone else

have sent 4 dispute letters over the course of 5 months to Equifax disputing items on my credit report that are inaccurate. I asked them to verify the accounts with original documents that I SIGNED and to send me a copy of that ORIGINAL DOCUMENTS WITH MY SIGNATURE ON IT or the source used to verify that the account is accurate, but they have failed to do so. The unverified items listed below still remain on my credit report in violation of Federal Law. 
ACCOUNTS ( 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: Deposits and withdrawals

XX/XX/2022 Deposited amount : {$160.00} I called the company they said theyd go into an investigation about it but there atm didnt say it had any errors at all and there may not be anything they can do.
Complaint sub-issue: Their investigation did not fix an error on your report

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. 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. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXXT XXXX Date Opened XXXX XXXX, XXXX Balance : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

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 more than 88 times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 709 XXXX  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 90 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and 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 one negative credit items outstanding debt now that is not mines. I have modest but ok income. XXXX XXXX. Something is wrong with XXXX. I do not understand why they are abusing consumers they don't help you at all This was a first 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 negative account 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 88 times in the last 120 days. 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 homeless n cant provide to my XXXX  XXXX  old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this
Complaint sub-issue: Public record information inaccurate

THIS WILL BE MY SECOND TIME TRYING TO CORRECT THE INACCURATE INFO ATTACHED PLEASE FIND THE LETTER FROM OUR COURT NOTIFYING ME THAT THIS IS INDEED INACCURATE
Complaint sub-issue: Received bad information about your loan

Hello, I submitted an income-driven repayment plan to Nelnet on XX/XX/XXXX. When I called to check on the status of the application and the amount I would need to pay the first month I was told that I needed to request a deferment to avoid paying the standard amount. This information was incorrect as the loan was supposed to be placed on an administrative forbearance while my application was being reviewed. This resulted in {$11000.00} being added to my principal balance on XX/XX/XXXX despite qualifying for the income based repayment plan I submitted an application for. 
Again in XXXX I submitted my recertification application to Nelnet on XX/XX/XXXX and on XX/XX/XXXX Nelnet incorrectly capitalized accrued interest in the amount of {$3500.00} to my account despite being on and qualified for an income based repayment and not requesting any kind of deferment or forbearance. 
On XX/XX/XXXX I submitted my documentation and application for recertification of my income driven repayment plan and on XX/XX/XXXX I was notified Nelnet incorrectly capitalized interest to my principal balance in the amount of {$2600.00}. I reached out to Nelnet on XX/XX/XXXX to let them know I did not request any deferment nor did I receive any notification that a forbearance, deferment, or six-month grace period would end soon and that accrued interest would be capitalized. My message was responded to with an email asking me to call them during business hours. This issue was not resolved before my loans were transferred to myXXXX due to my application for loan forgiveness.
Complaint sub-issue: Billing dispute for services

I have been a customer of XXXX XXXX and this account is reporting late payments when during months where payments were made and received with this credit card. Please properly investigate this and correct my credit reports. The latest reporting error being marked late in XXXX but the company confirms receipt of two payments in XXXX.
Complaint sub-issue: Information belongs to someone else

XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS AND INQUIRIES ON MY CREDIT REPORTS. 
THESE SAID AGENCIES HAVE NOT CORRECTED THE FRAUDULENT ACCOUNTS.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX and XXXX have 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. Also states a consumer reporting agency can not furnish an account without my written instructions
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 these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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

Consumer Financial Protection Bureau Disputes have taken more than 30 days. 

Please delete the accounts listed on dispute numbers : XXXX XXXX
Complaint sub-issue: Don't agree with the fees charged

I filed for PSLF and they are still charging me fees while the process is going through with the department of Education. 
I received a letter from Nelnet that my account would be transferred to XXXX. And yet they are still charging me fees on my account along with reporting wrong information about past payment history. Since XXXX took over the ownership of my accounts from XXXX
Complaint sub-issue: Not given enough info to verify debt

XXXX XXXX, 2016 Consumer Financial Protection Bureau Case # XXXX, XXXX XXXX Department of Insurance & Financial Services Case # XXXX Dear CFPB & DIFS : This letter is regarding above case numbers and CFPB 's press release dated : XXXX XXXX, 2016. 
CONSUMER FINANCIAL PROTECTION BUREAU ORDERS CITIBANK TO PROVIDE RELIEF TO CONSUMERS FOR ILLEGAL DEBT SALES AND COLLECTION PRACTICES " Citibank sent inaccurate information to buyers when it sold off credit card debt and it also used law firms that altered court documents, '' said CFPB Director XXXX XXXX. " Today 's action provides redress to consumers who were victimized by slipshod practices as part of our ongoing work to fight abuses in the debt collection market. '' Will you please take a look at above case numbers! You will see that Citibank , N.A . via XXXX , XXXX XXXX XXXX of XXXX, XXXX as well as XXXX , XXXX XXXX XXXX of XXXX, XXXX did the same thing in above case number! We have yet to see any enforcement action here in Michigan. 
Redress is all we ask! 
Respectfully, XXXX & XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I used XXXX XXXX to check my credit report and I have several " hard inquiries '' that I don't recognize. How do I remove these from my report? 

- XXXX on XX/XX/XXXX - XXXX on XX/XX/XXXX - XXXX on XX/XX/XXXX - XXXX  on XX/XX/XXXX - XXXX on XXXX XXXX XXXX - XXXX on XX/XX/XXXX Thank you
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Section 1681-s ( 2 ) ( a ) ( 1 ) ( F ) : a temporary reporting requirement for furnishers of credit information concerning consumers affected by COVID-19.

Section 1681s-2 ( a ) ( 1 ) ( F ) provides as follows : ( F ) Reporting information during COVID-19 pandemic.

( i ) Definitions. In this subsection : ( I ) Accommodation. The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID-19 ) pandemic during the covered period. 
( II ) Covered period. The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after the date of enactment of this subparagraph [ enacted XX/XX/XXXX ] ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID-19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.
Complaint sub-issue: Information belongs to someone else

SOMEONE USE MY PERSONAL INFORMATION AND MY SOCIAL SECURITY NUMBER TO OPEN SEVERAL FRAUDULENT ACCOUNTS WITHOUT MY PERMISSION AND CONSENT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Information belongs to someone else

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Complaint sub-issue: Public record information inaccurate

My credit reports show a delinquent mortgage from XXXX from a company called XXXX. 

This account was not opened by me, this account is fraudulent. 
I never had a mortgage with XXXX.   
In XXXX XXXX  demanded payment, and I refused. 
After hiring a lawyer, XXXX acknowledged fraud. 
Dispute was resolved OK.  
But credit agencies are still reporting this as a delinquency, holding it against me. 
This is incorrect, unfair, and unjust.  

Note that XXXX was found guilty of other cases securities fraud, and the company shut down. 

Details:   
XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX
Date Opened: XXXX
Responsibility: Individual Account
Account Type: Mortgage Account
Loan Type: CONVENTIONAL REAL ESTATE  MTG
Date Updated: XXXX 
Payment Received: XXXX Last Payment Made: XXXX
High Balance: XXXX
Pay Status: Current; Paid or Paying as Agreed
Terms: XXXX per month, paid
Monthly for 360 months
Date Closed: XXXX
>Maximum Delinquency of 120 days in XXXX for XXXX and in XXXX for XXXX<
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted lexis nexis several times about the Bankruptcy that appears on my credit report which some company use my information to filed bankruptcy in my name that can't be vertified by the court or creditors. Also XXXX, XXXX was order by the court to dispute or deleted these items off my credit report.