Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I sent in a letter to XXXX XXXX XXXX XXXX aka XXXX  XXXX XXXX XXXX Date Opened XX/XX/2017 Balance Date Past Reported Due Status PAYS AS AGREED Credit Limit {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX 1XX/XX/2017 Balance Date Past Reported Due {$900.00} I sent a letter to XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX and I have not received a response back. I tried calling and was told to go into a location. I advised them that I never lived in Nevada and could not come to the location. I filed a report with Equifax which as resulted they stated the account was remove but when I checked my Equifax report it is still showing. I was a victim of identity theft and my identification and ssn card was stolen and had to be replaced. I need this investigated immediately and removed from the crefit report.
Complaint sub-issue: Personal information

All credit reports show that I live/lived in Texas, I have never lived in Texas.
Complaint sub-issue: Debt is not yours

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Florida Office of Financial Regulation License # XXXX XXXX Department of Consumer Affairs License # XXXX Ref : Agency Reference Number # XXXX / Account # XXXX To whom it may concern : On XXXX-2017 XXXX XXXX XXXX sent me a letter stating that I owed a debt. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ). XXXX XXXX XXXX regulations require all debt collectors to send specific written documentation verifying the debt. Under section 2-190 of the Rules of the City of XXXX XXXX, verification requires all of the following : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge. I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Moreover, this debt appears to be past the Statute of Limitations. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act. ( section 1692g ) Aside from verifying the debt, do not contact me about this debt. The FDCPA and Rules of the City of XXXX XXXX ( section 5-77 ) require that you honor this request.
Complaint sub-issue: Account status incorrect

1 ) I wrote a letter ( letter dated - XX/XX/22 to each bureau. I sent a first request for review and deletion based on my most recent Credit Report.I then sent certified mail demanding the Bureau.

12 ) The credit bureau 's have not responded to my initial or Demand Lette.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/2019, I mailed a Validation of Debt Letter to the collection agency, IC SYSTEMS COLLECTIONS. 
They are reporting to the credit bureaus that I have a debt for XXXX. 
I have NEVER received any information about this debt in the mail or via phone call, before it showed up on my credit report. 
It has been 30 days since IC SYSTEMS COLLECTIONS has received my letter, and HAS NOT RESPONDED.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX credit inquiry 8 times in XXXX XXXX XXXX XXXX XXXX 2 times in XXXX XXXX
Complaint sub-issue: Account information incorrect

They are inaccurate items that i found on my credit report that is damaging my credit score for late payments with the company FLASGSHIP CREDIT ACCEPTAN. That i payed on time. Never receive a email or mail about due date or late payment. the company reported late payment on. XX/XX/XXXX, XXXX XXXX. XXXX XXXX and XX/XX/XXXX. also on my credit report I have two months charge off on all three credit bureau in XXXX and different months. I still have the car and still paying my loan on time. With this charge off i should ( not ) be paying interest on this loan still, when it's a write off with the IRA meaning the company have been payed. 
Please investigate immediately or I have to take legal action with my attorney. 
By LAW 15 U.S. CODE 1666B : Timing of Payments 15 U.S. CODE Chapter 41 : Consumer Credit Protection 15 U.S. CODE 1605 : Determination of Finance Charge
Complaint sub-issue: Debt is not yours

I have been fighting this account XXXX XXXX XXXX for almost a year now. Your company is the only company that still has this account up on it collections. I have asked for original documents multiple times and was never sent a validation letter. I requested in writing that they send me the following information concerning the debt, as is my right under the Fair Debt Collection Practices Act : The name and address of the original creditor Proof of debt Amount owed and account number. 

Copy of your license to collect in my state I also requested that you have this debt removed from Equifax until it was verified. Unfortunately, I have has a response and this is what they came up with : XX/XX/2022 : company XXXX XXXX responded the complaint does not belong to them on XX/XX/2022 The company responded that they are not the appropriate company to address your issue. 

XX/XX/2022 : Returned by company XXXX XXXX responded the complaint does not belong to them on XX/XX/2022 The company responded that they are not the appropriate company to address your issue. 

Finally on Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response Thank you for taking the time to write us. We are a third-party debt collector who collects physicians outstanding bills for one or more dates of service. We are not a debt buyer. The services received were physicians services and per the physicians records, these were rendered per your initiation in an urgent or emergent circumstance. Our records show we have sent debt verification to you in the past confirming the dates on which physicians provided their services. We have updated your address in our system to that listed on your complaint. We have verified that the information being reported is accurate, and have reported the account as in dispute with the credit bureaus. An itemized statement has been requested from our client and will be mailed to you along with verification of debt. After reviewing your previous concerns, it appears that you believe this debt to be fraudulent. If you feel the account ( s ) were opened as the result of fraud or identity theft please file a report at www.consumer.gov/idtheft. Additionally, contact your local law enforcement agency to file an identity theft affidavit. Once obtained, please send us a copy of your FTC ID and claim and/or your signed police affidavit. By email : XXXX By Mail : XXXX XXXX XXXX, XXXX, FL XXXX. Thank you. 

As they have failed to respond to my validation request in 30 days, I am requesting that they cease contacting me and Kindly have the item removed from my report till then. 

Otherwise, I will be forced to pursue legal action against you, as outlined in the FDCPA. 

Sincerely, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # 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.
Complaint sub-issue: Having problems with customer service

I have made payments on student loans to Nelnet using my XXXX XXXX card. Today I 'm told by nelnet they will not take it as a payment, say the DOE changed the policy. I called the DOE and they say they did no such thing I called nelnet back and they wo n't share the email memo, letter that says the rule changed. So what is going on? I have paid my taxes with my XXXX! Who is telling the truth? What is going on? If other people ca n't manage their money why is this effecting me. Please know nelnet will not share source document, also know no one seems to have a last name ... Seemingly the refuge of cowards. How do I get to a servicer that will take my payment? If this a new DOE policy - who what person persons - by name - thought this up
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. 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. This was already included in my prior COMPLAINT #, and I'm including it again.
Complaint sub-issue: Their investigation did not fix an error on your report

I filed for Chapter XXXX Bankruptcy went through the 3 year payment plan. 

Post bankruptcy discharge my mortgage lender XXXX was not reporting mortgage payments still after 3 years. 

I this reported to the XXXX XXXX and Equifax and furnished by my mortgagee XXXX  statement. Both credit companies did not investigate the validity of the loan, and to date have not reported it on my Credit Report. 

My mortgage was not included in Chapter XXXX Bankruptcy so XXXX should have not stopped reporting them. 

I want these mortgage payments reported on my credit file. 

Like I said I have already provided the credit bureaus with this information and received a response that they were not obligated to report this.
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

AN UNAUTHORIZED CREDIT INQUIRY WAS PULLED BY XXXX XXXX XXXX , XXXX . / XXXX XXXX XXXX XXXXXXXX XXXX. I DID NOT AUTHORIZE THIS INQUIRY. PLEASE REMOVE UNAUTHORIZED INQUIRY FROM CREDIT FILE.
Complaint sub-issue: Debt resulted from identity theft

I was a victim of identity theft and noticed a collection from ENHANCED RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against ENHANCED RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Complaint sub-issue: Debt is not yours

XXXX  reporter debt verified but not sure how it was verified if I have no knowledge of it
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I feel like I was racially discriminated against because of my credit score. I had a {$1000.00} store credit limit with Sears that was decreased to {$750.00} last year but today, XX/XX/XXXX, I received an alert to my email that said my limit was dropped again to {$250.00}. I paid my credit card limit off into the 30 % utilization rate on XX/XX/XXXX. I paid {$450.00} leaving it at a remain balance of {$58.00} shown on my statement. I paid my bill under this balance to be under the 30 % utilize because I am working on my credit. I called Sear today, XX/XX/XXXX paying the remain balance of {$58.00} leaving the balance at {$0.00}. Also, I have a Sears Mastercard that had a limit of {$500.00}. I had a balance of {$470.00} that I paid off XX/XX/XXXX. After i paid this balance off, Sears reported to my credit paid off but also lowered my limit on this card as well to {$250.00}. On XX/XX/XXXX i checked my credit Sears reported my balance of {$470.00} paid off but them lowering my limit too {$250.00} on this card as well didnt approve my credit score as it should. They said based on my credit shown on XXXX they lowered my limit and would send something in the mail. But I applied for 3 new lines of credit too help build my credit when I paid there debt off and now my credit score dropped because of there limit decrease.
Complaint sub-issue: Attempted to collect wrong amount

I contacted Discover to get my account current and up to date on XX/XX/XXXX. Was advised by first agent that he needed to transfer me over to another agent to have a new card sent. This is after I had placed a XXXX payment. Then the next agent advised would have to contact next day after payment post to get new card. So of course I reach out on the next day XX/XX/XXXX and speak to another agent who advises that my account is closed and a new card can not be sent. This clearly could have been shared by the first two agents on XX/XX/XXXX. But instead they chose to take my money and not advise me of account closure and led me to believe this would make my account current and I would be able to get a new card sent.
Complaint sub-issue: Information belongs to someone else

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX XXXX XXXX Balance : {$31000.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX XXXX Balance : {$44000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following inquires has been fraudulently and unauthorized placed on my credit file, I'm asking that they be removed. 

( 1 ) XXXX XXXX ( XXXX ) ( 2 ) XXXX XXXX ( XXXX ) ( 3 ) XXXX XXXX XXXX XXXX ) ( 4 ) XXXX XXXX ( XXXX ) ( 5 ) XXXX ( XXXX )
Complaint sub-issue: Account status incorrect

My mortgage company, TIAA bank, sold my mortgage to their sub servicer company, XXXX. I had no say in this. And this is the 4th time my mortgage has been sold. My credit was reduced by 15 points due to the mortgage showing as " closed '' on my credit report. A TIAA bank representative said this should not have happened and I have some sort of federal protection against this. I'm not sure how it's legal for me to be punished for a mortgage company selling my mortgage without my knowledge or consent. I've refuted this on XXXX  and XXXX  as those reflect the 15 point reduction. XXXX hasn't updated this yet.
Complaint sub-issue: Account terms

I requested a XXXX VISA SIGNATURE CARD,, XXXX BANK XXXX REFUSED ME BASED ON AN EQUIFAX REPORT REFERENCE NUMBER XXXX. " Not enough accounts opened long enough to establish a credit history. '' I am a XXXX who lives in XXXX 6 months a year and Equifax should search my history based on my XXXX file and my social security number XXXX XXXX XXXX, I have a good credit history in XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

AVANTE USA is reporting that I owe a medical bill from XXXX, they have this listed n my credit report as of XX/XX/XXXX with a balance of {$910.00}. They are trying to collect a debt that does not belong to me from XXXX XXXX XXXX Of Maryland. Someone got my number from this company somehow and told me that its from XXXX and I told this person that I have always had medical coverage.This company should not be reporting negative information on my credit reports for a account that does not belong to me from the year XXXX which is over seven years ago
Complaint sub-issue: Card opened as result of identity theft or fraud

On XX/XX/XXXX, I submitted a complaint to Discover ( XXXX ), which included a Records Request of the application using my identity that was submitted to Discover to open the fraudulent account in my name. On XX/XX/XXXX, Discover responded to my complaint and acknowledged my above said Records Request ( acknowledging specifically the application request ), and Discover DENIED my Records Request. Today is XX/XX/XXXX, and Discover still has NOT complied with FCRA 609 ( e ). DISCOVER IS IN DIRECT VIOLATION OF : FCRA 609 ( e ). And also failure to comply with my FTC Identity Theft Report, number XXXX.
Complaint sub-issue: Problem with customer service

As part of the XXXX administration student loan debt relief program, borrowers are entitled to a refund of payments made during the COVID forbearence period. Borrowers were entitled to ask for a specified dollar refund amount or 100 % of their payments. 

During the COVID Pandemic I continued to pay for student debt to a total of {$19000.00}. On XX/XX/22 I requested my student loan servicer Nelnet to process a refund of only {$6000.00} in order to maximize XXXX 's {$10000.00} student debt relief plan. 

Nelnet by accident refunded the total of {$19000.00} by mistake and added that debt back to my remaining balance of {$4000.00} to equal {$23000.00}. This error exposes to me a higher principal and therefore higher interest if I do not receive the refunds by repayment period. 

On XX/XX/22, I discovered this error and requested Nelnet to back out their error, but they stated that although it was their mistake they couldn't back out the error. I asked for documentation of my past payments and accounting to document the error and they refused to provide me any documentation related to my financial information. I explained that due to their error, I now am exposed to higher payments and interest and that this is against the law and unfair lending practices. I also asked for documentation and tracking of where my incorrect refund of {$19000.00} vs {$6000.00} is and they stated they do not know. 

Being that Nelnet is one of the nation 's largest student loan servicers, all of their lenders were exposed to this internal glitch they recognized, but not willing to fix. This is unfair lending and needs to be addressed.
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 items that 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 items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX CT XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX Balance Owed : {$6100.00} ; XXXX XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$5000.00} ; XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Someone stole my identity and opened this account and I need it removed, I filed a report with Identitytheft.gov
Complaint sub-issue: Public record information inaccurate

My background check shows dismissal and they should be removed and there over XXXX years old 2007 need to have this updated snd removed
Complaint sub-issue: Other problem

I believe that if a person closed their Secure credit card account they should not have to wait 2 months to get their security deposit back. This account from discover is now showing closed on my report and i want my money back now
Complaint sub-issue: Their investigation did not fix an error on your report

Team CFPB, I have four ( 4 ) accounts with XXXX XXXX and have been a " paid never late '' customer for 12 years. Capital One is human and as a result, they made one massive error in the past 12 years, that is affecting my FICO by 42+ points.

I have one erroneous 30 day late, for the year 2018. Anyone can see from all four ( 4 ) accounts that are " paid never late '', that this is NOT my personal payment algorithm, to ever be late. I've never been late, period. The credit bureau 's have been horrid as they continue to reply with the same response but no proof, per FCRA section 611, that the late occurred.

SOS Team, I need the big guns and you're it-
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 XXXXXXXX Has violated my rights. 

15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 section 2 also state a consumer agency can not furnish an account without my written instructions
Complaint sub-issue: Account status incorrect

My loan was in forbearance and FedLoan still reported it as open and paid late.