Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

this loan was discharged in my chapter XXXX bankruptcy as of XXXX 2015 XXXX and XXXX XXXX refuse to delete the misinformation or report it as discharged!
Complaint sub-issue: Reporting company used your report improperly

My credit and personal information is in " XXXX , XXXX '' posession and is being used to make credit decisions. I have never heard of this organization. XXXX, XXXX and XXXX are the only Legit credit bureaus. Why do this organization have my information?
Complaint sub-issue: Information belongs to someone else

I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. Also, remove the fraudulent and/or inaccurate inquiries on the report. I have attached a copy of my affidavit from the Federal Trade Commission. Please be advised that this is my third request, and the unverified items remain on my credit report. I have yet to receive a response from the bureaus which is required by law. Since I have not received any documentation, nor a response please delete the items as soon as possible. Failure to do so will result in legal action being taken against your company.
Complaint sub-issue: Problem with personal statement of dispute

FRADULENT ACCOUNTS HAVE NOT BEEN REMOVE FROM MY CREDIT REPORT. 
I DISPUTED IT, BUT ALL THEY DID WAS UP DATE IT. 

XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XX/XX/XXXX {$5800.00}
Complaint sub-issue: Problem with personal statement of dispute

I have contacted Equifax in regards to XXXX of the inquiries that show up on my credit report. They stated that they had investigated the matter and confirmed that they are valid and to contact the company myself. I have used the address that was provided by the credit bureau of which they used to verify. However when I tried to write the company to verify the document. I received a XXXX. Therefore, it brings up a red flag on whether the Credit Bureau ( Equifax ) has actually investigated the matter.
Complaint sub-issue: Application denied

I applied for a credit card art my local XXXX dealership. I was denied due to having a freeze on my report. Citicards only use XXXX for credit decisions. 

I have been blocked from taking advantage of 0 interest rates and extended time to pay.
Complaint sub-issue: Talked to a third party about my debt

Vericore sent me the following in a email threatening to contact third parties about my debt which is not a confirmed debt. I have asked that they send me the information thru the mail and they continue to email me with threats They wrote this : For disclosure purposes, I must advise that such action includes but is not limited to contacting state regulatory agencies such as the Maine Secretary of State, ( to investigate any licenses, certifications, UCC filings, judgments, tax liens, and verify your corporate charter ), your current bank and current bank officers, ( to investigate any open lines of credit, average daily balance of the operating account, and to verify if the your company is capable of obtaining a line of credit to satisfy its obligation ), all secured creditors and any vendors listed on your credit application ( to verify what terms you have been extended, inquire about any past due balances or recent payments, etc ), as well as the local tax assessor or your current landlord, ( to determine if you are current on your property taxes or rental lease ), XXXX, and the local XXXX.
Complaint sub-issue: Reporting company used your report improperly

I SENT LETTERS MORE THAN 30 DAYS AGO EXPLAINING THE DIRECT VIOLATION OF REPORTING ON MY CREDIT REPORT. 
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my consumer report. 

This is also in violation of 15 U.S.C. 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to. I NEVER GAVE WRITTEN CONSENT AND THAT IS FRAUD Failure to respond satisfactorily with deletion of the above referenced account and also a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation of Character 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g and 15 U.S.C. 1681b
Complaint sub-issue: Information belongs to someone else

XXXX, EQUIFAX AND XXXX ARE REPORTING A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. BELLOW IS THE FRAUDULENT ACCOUNT INFORMATION : ACCOUNTS RECEIVABLE XXXXXXXX  XXXX- XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

Hi, I am writing this complaint because I reviewed my credit report recently with my banker and it looks like i have a few accounts that either the balances are incorrect or i have no idea what they are. I requested an investigation from the credit bureaus ( XXXX, equifax and XXXX  ) I haven't heard anything. 

I sent a letter to all 3 bureaus on the following dates : XX/XX/2021 XX/XX/2021 XX/XX/2021
Complaint sub-issue: Problem with fees

On XX/XX/XXXX, I called and cancelled my Citibank XXXX XXXX XXXX card which renews each XX/XX/XXXX. The representative said she would cancel the card immediately and asked if I would be interested in a similar no-annual-fee card. I agree to this proposal and the annual fee card was cancelled. A few days later I noticed that even though the card with the annual fee had been cancelled, there was now a fee of {$99.00} charged to the no fee card ( XXXX XXXX XXXX card ) I called to dispute this on XX/XX/XXXX and was told that Citibank would credit the {$99.00} fee within 5 business days. Today is the 10th business day and the fee remains on the account. I called Citibank again today, XX/XX/XXXX to ask why the fee was not credited as promised and was told it actually takes 1 or 2 credit cycles to gain this credit. This message is the opposite of what I was promised on XX/XX/XXXX. Delaying the credit by XXXX or XXXX credit cycles is unacceptable as it would require me to pay the fee even though it was cancelled in accordance with the terms of the agreement. I have little confidence that it will be credited in the future as Citibank has already broken their promise from XX/XX/XXXX.
Complaint sub-issue: Don't agree with the fees charged

On 8 different occasions I called Nelnet asking them to remove the 120 days they claimed I was late or defaulted on my student loans. To this day, even after consolidating with another lender many of my student loan accounts through Nelnet show up as 120 days late, even though I was never late as I was in deferment for all of my student loans. on two separate occasions I spoke with a rep named XXXX, who assured me that this was infact an error on their part because my other student loan accounts also serviced by Nelnet at the time were in deferment as well obviously but never have shown defaulted because it simply did not occur, I was in SCHOOL THE WHOLE ENTIRE TIME THEY CLAIMED I WAS LATE! IT DIDNT EVEN COME TO THE 6 MONTH AFTER GRADUATING GRACE PERIOD YOU GET OVER THE DEFERMENT ONCE OUT OF SCHOOL AND I WAS STILL IN SCHOOL. I always kept up with the deferment rules and procedures. This was a fault of the company 's negligence, not me defaulting on any loan was already admitted and promised to be rectified by 2 of reps I spoke with when discovering a 30 day then 60 day late mark on my credit report. I began tracking it because it only showed on 7 of my student loans with Nelnet, none of my others also serviced by Nelnet. Over the years I kept calling the company and disputing it with all the bureaus but 5 years later even after graduating and consolidating and erolling in a IDR plan for paying off the student debt, and i'm still haunted by FALSE INFORMATION SHOWING 120 days ... every time i pull my report. Not to mention the anxiety i feel everytime I see the balances of those same 7 accounts climbing drastically because of all the interest rate charges and other fees that has put me into a deeper downwards spiral and crushing me under the weight from all the stress time effort and anxiety this 5 year long battle has added. All of that and nothing has been fixed nor changed and every dispute filed has been met with no change, The false information has even spread as the increased balance has not only traveled along on my credit for 5 years and counting, it has also transferred over into the new consolidated loan with the new company who I am in repayments with. Plus a couple of the accounts still show as open accounts before I bombarded him with disputes. This is not fair and needs to be fixed. It has destroyed me!!!
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX illegally changed the status of 2 XXXX XXXX ACCOUNTS which were XXXX in XXXX XX/XX/XXXX. I supplied them with my XXXX Schedule schedule confirming the date of first delinquency being XX/XX/XXXX. They reaged the accounts by listing that date as XX/XX/XXXX, date XXXX was XXXX. 

Instead of simply deleting the 2 accounts which are in violation on FCRA statutes, a representative decided to illegally change the status to CHARGED OFF and they have added balances due upwards of {$45000.00} which is ILLEGAL and FRAUDULENT. 

My credit score PLUMMETED XXXX POINTS due to their negligence! 

I am attempting resolution 1 last time before litigation. My fresh start was stolen from me as I have battled their inaccurate reporting since day 1. 

I have attached my XXXX SCHEDULE proving the 2 accounts referenced are required to be deleted per FCRA statutes. 

I have also attached my EQUIFAX credit report prior to their arbitrary change of status to the above accounts.
Complaint sub-issue: Account information incorrect

I have disputed the account because the acct is showing a balance past due. I made a payment to XXXX XXXX XXXX XXXX XXXX My account was transfer to them by XXXX however XXXX has not updated my account. The account is not paid in full as of XX/XX/2022. Please remove the XXXX account from all credit bureaus.
Complaint sub-issue: Debt was result of identity theft

Citibank is suing me for not paying for fraudulent charges made to my Best Buy credit card. These fraudulent charges were made on the night of XX/XX/2018. I received a phone call on that same night from Citibank security informing me that there were purchases made with my credit card. The purchases were made from two Best Buy store locations in XXXX. I confirmed to them that those purchases were not mine and were unauthorized. They told me that they would cancel the card and issue me a new one and assured me that I would not be responsible for paying for those charges. On XXXX of that same year I went out of the country for the holidays and when I got back in XXXX I found a letter in my mailbox from Citibank 's security division and in that letter they asked me to give them a call to get some information about the same credit card charges. They wanted to find out if I had received any other credit cards from them and I told them that the only one I had was the replacement card they sent me after my original card was compromised. A few weeks later I received another letter from their security division telling me that they didn't deem the purchases to be unauthorized and that I would be responsible for paying for those. I asked them how they came to that conclusion and the only reason they gave me was that I had a chipped card so no one else could have duplicated it. They told me that if I wished to further dispute the charges, I could write a letter to their Executive Response Unit. I did exactly that and explained to them all the events that transpired since XX/XX/XXXX of the previous year. I even had a few conversations over the phone with their ERU to discuss the matter. I even asked them to obtain video recordings from the stores involved but they told me they could not do that. In the end they seem to have deferred their decision based solely on what the security division decided. I had been a loyal Citibank customer for almost 25 years and never once did I default on my credit card payments to them. My credit history has always been excellent. And now, since I refused to pay for those charges they have ruined my credit rating and decided to sue me after three years.
Complaint sub-issue: Account status

XXXX XXXX has reported my account as still in collections on XXXX/XXXX/15 ; however, I paid the balance due in full on XXXX/XXXX/15. The first payment made was on XXXX/XXXX/15 in the amount of {$44.00}. The second payment made was on XXXX/XXXX/15 in the amount of {$130.00}. I am attaching certified documents from my bank showing that these payments were made.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX I Had my Purse stolen in XX/XX/2017, and I also wasnt able to pay due to my daughter having a major XXXX, and also having my purse stolen. I offered to give them the police report, and my daughters papers from the and it is still showing up on my credit report as a Delinquent account for XXXX and XX/XX/2017. Which also made my credit score go down and shows a delinquent on my credit account.
Complaint sub-issue: Information belongs to someone else

Collection of XXXX Balance : {$370.00} Opened : XX/XX/2018 2018
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX and XXXX XXXX XXXX is reporting on the same debt. They are double reporting and affecting my credit. This is a violation of The FCRA, and need to be fixed.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

Ive been scammed through this thing called covid health care program. I was XXXX and gave them my bank information and sent money through cash app. I also gave my social security number. I want my money back and I dont know if Ill get back.
Complaint sub-issue: Account information incorrect

Department of Education/Nelnet is reporting 20 different accounts each with XXXX, XXXX & XXXX, with a late payment in XX/XX/2019. All of these accounts were in forbearance until XXXX of XXXX and then consolidated in XX/XX/2019 and paid in full. They were never late, and then paid in full and should show no derogatory indicators. Between the 3 bureaus, they are reporting 60 derogatory indicators. I have disputed with all 3 bureaus. XXXX marked them as included in my ch XXXX bankruptcy that was done in XX/XX/2019 AFTER this loan was paid in Full ( WRONG ). XXXX & XXXX   marked that they were confirmed as reporting correctly & changed nothing ( WRONG ). I have attached documentation from the department of education showing these loans were in forbearance while I was in ch XXXX bankruptcy from XXXX & then were placed in a forbearance & did not enter repayment until XX/XX/2019. They were paid in full through consolidation on XX/XX/2019. This issue is shredding my credit & I need it corrected immediately. The servicer ( Nelnet ) needs to check with the department of education and correct the dates in their records because they are wrong.
Complaint sub-issue: Didn't receive enough information to verify debt

Companies : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Procollect Inc. 

To whom It may concern : I got a call this morning XX/XX/XXXX from procollect inc. saying that my wife and I had an outstanding bill of {$1900.00}, and so we called XXXX and we were told we did not put in a 60 day notice. I explained to the assistant manager who was rude that I put this notice in writing on a paper. My wife was present with me when I wrote this. The lady who was fair skinned with curly hair promised to update it on my file. I asked about the lady, but was told she no longer works there. I have never owed any bills to XXXX, you can as them about my rental records. I moved out of the apartment decently and organized. I kindly urge you to please look into this matter as soon as possible. 

XXXX : Collections told us to reach out to the company ( XXXX ) about this issue and that we have 13 days to dispute and revert this, and I have done that today. 

XXXX : Apparently, the apartment ( XXXX XXXX XXXX XXXX  ) said that vacating the premises one day early was deemed early termination, hence the {$1900.00} bill. the attached files proves that I left in a timely manner in which I submitted the apartment keys at XX/XX/2021 at XXXX and the gate and mail box key XX/XX/2021 at XXXX accordingly. 

sincerely,
Complaint sub-issue: Account status incorrect

I needed help paying my student loans so called XXXX to set up a reduced payment plan with them. After all my expenses I had {$50.00} left. My monthly rate was {$200.00}. 

After paying the first payment and subsequent payment, they still reported my account as late to credit agencies even though I started making arranged payments.
Complaint sub-issue: Investigation took too long

I have disputed this account many times. The attached XXXX letter states the account was not being reported properly ... " I also confirmed that the consumer reporting agencies were not updated to reflect the sold status at that time, and regret any inconvenience that this may have caused. '' In addition, the date of last payment is still incorrect. This account is over seven years from the date of last delinquency. If this is not removed, I will sue XXXX and Equifax and they can point the finger at eachother as to who dropped the ball in the incorrect reporting. The language used in the attached letter shows XXXX is already indicating it will throw Equifax under the bus.
Complaint sub-issue: Reporting company used your report improperly

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. XXXX XXXX XXXX XXXX. XXXX XXXX 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 an account without my written instructions/consent. 

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, Macys Account # violated my rights. 

15 USC 1681 Section 602 states I have rights to privacy.

15 USC 1681 section 604 A section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.
Complaint sub-issue: Their investigation did not fix an error on your report

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section 609 and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset that you guys would break the law like this. 


XXXX XXXX Reporting inaccurate on XXXX and Equifax please remove XXXX XXXX**** reporting inaccurate on Equifax please remove XXXX XXXX XXXX XXXX reporting inaccurate on XXXX please remove XXXX XXXXXXXX XXXX reporting inaccurate on XXXX and Equifax please remove As well there is an address on my file that does not exist with me please remove these inaccurate address off my file thats attached to the inaccurate account ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX )
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2022 I sent a Conditional Acceptance Cease & Desist to Jefferson Capital Systems , LLC ( " JCS '' ) detailing their actions harming my consumer reports. I have never given JCS my permission to use my consumer reports as is required under 15 USC 1681b ( a ) ( 2 ) which states " In accordance with the written instructions of the consumer to whom it relates ''. I also requested proof of that written permission from the company in the event I made a mistake, the company failed to produce any documentation to show they have my written permission. This is negligence and a clear violation of a federal statute. I received documentation dated for XX/XX/2022, a response was sent further providing proof that the company has no original contract, nor any proof of my written permission to use my consumer reports. This response from JCS indicated that the company continues to harass me via my consumer reports after failing to provide proof that I gave them permission. This is a violative business practice when a company believes they do not need to have a contract to defame any individuals character. Federal law supersedes any " company policy '' and in the eyes of the court, federal statutes are the mandatory authority. Additionally, this company did not communication with me prior to sharing my personal information with any non affiliated third party. 15 USC 6802 ( b ) states very clearly JCS is 100 % required to communicate with me PRIOR to sharing any information with a nonaffiliated third party. JCS failed to communicate with me prior to doing so. Not only is this company defaming my character without consent, they are also reporting inaccurately between the credit reporting agencies and have not labeled the accounts as disputed which is a requirement under 15 USC 1681s-2 ( 2 ) & ( 3 ). They were notified directly and via the CRA 's that the information was inaccurate and the response from the company was these accounts are " verified ''. If the company is telling the CRAs that both reports, that are showing different and inaccurate information is accurate... the company is providing false and misleading information. Precedent has already been established by the The United States of Appeals, Ninth Circuit, No XXXX XXXX XXXX XXXX XXXX that the reporting company is 100 % responsible for how the information reports. Lastly, Congress as already stated in the FCRA that inaccurate information must be removed from a consumers credit report. All the essential elements are present for not only defamation of character but extreme negligence on behalf of JCS. Each of these violations are subject to penalties as described in 15 USC 1681n & 15 USC 1681o and as seen from previous cases of a similar nature, the Plaintiff has also been awarded punitive damages when companies have no permissible purpose. One look at PACER will show that this company has a long history of harassing consumers.