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

The debt was taken care of with the property management XXXX XXXX XXXX of XXXX XXXX Texas in XX/XX/2018 and a legal contract was signed stating no debt is owed. Well the property managers never updated the information and my account was picked up by Procollect collection agency. I called procollect and told that debt was paid and they contacted the company it took procollect 2 months to update to my information to state I do not owe any money to either XXXX XXXX XXXX or Procollect. But Credit bureaus wont update my status to reflect that no balance is due and it still remains as a valid debt status. Please assist in removing.
Complaint sub-issue: Account status

Company GRANT & WEBER- Original creditor- XXXX Account no. XXXX Date Opened : XX/XX/2011 and reported date : XX/XX/2011 This is a medical bill for XXXX Hospital and should not be on my credit report. Bill should have been sent to my health insurance companies. I was covered a XXXX percent under medicare and medical. Please find the attached coverage information
Complaint sub-issue: Billing problem

I was a victim of hurricane Harvey. I was advised my loan would be deferred for two months. I began to receive deliquent calls. I spoke to a rep that said there was a miscommunication that once I pay the bill it will go they would change my due date to mid month. Which did not happen. I advised I was unable to make the payment. They said they would work with me and every thing will fine. I was told I qualified for an extension. Then I was I told I cant get an extension. I feel this was based off discrimination. Im very upset. I was advised that Hurricane Harvey was last year. I asked for a supervisor she proceeded on the line. I was advised I do not want to be contacted by auto dialer and they continued to call me with the auto dialer.
Complaint sub-issue: Didn't receive terms that were advertised

Citibank mailed us a cash bonus offer to earn {$500.00} by depositing {$15000.00} in a qualifying checking account for 90 days. We went to the nearest branch on XX/XX/2018 and signed up with the banks representative. The rep suggested my wife also open a second checking account with another {$150000.00} to earn an additional {$400.00} dollar bonus. Around XXXX a {$100.00} bonus appeared on my checking balance. That left us {$800.00} short. It's been over 7 months now. I called the bank representative and she said they would look into it. She reported we were not getting the bonus money because ( surprise ) we needed to open a savings accounts too. This was never mentioned before. I searched the fine print and it states one can open " either/or '' checking or savings accounts as long as one or the other maintains the minimum balance. 
In short it looks like a bait and switch to gain free use of the money.
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 dateof the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report.PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX
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 ( Account # not provided on report ), 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: Information belongs to someone else

There are accounts on my credit report that aren't mind. Please remove them.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently checked my credit report and there is fraudulent activity still on my credit report. I have reached out to XXXX, XXXX & Equifax. I have sent them letters and told them that i have contacted all of the companies that placed the inquiries on my profile and told them that they're fraudulent. The told me to contact XXXX XXXX XXXX & Equifax & There has been no change. I filed a FTC Report today as well and asking for The 3 Bureaus to Please remove the inquiries off of my report as they don't hold accounts & ARE NOT MINE! 

XXXX XXXX XXXX XX/XX/XXXX . XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

I noticed that Jefferson Capital LLC aappeared on all three credit reports in early XXXX. The amount listed is {$1900.00} and the original creditor listed is XXXX XXXX. The date Jefferson Capital opened this was XX/XX/2019. I never received one notice or one phone call from this company and they never once allowed me to verify the debt or offered to verify the debt. I called them after I saw this on my report in XXXX and they were very rude and eventually I was transferred and hung up on. Late XXXX, I received a letter for payment in the mail from this company, but there was no verification or an offer to request a verification/dispute. The wording of the letter was threatening and not clear at all. It was worded in a way to confuse you or trip you up. It threatened a lawsuit even after it said the time limit had expired for that. It offered payment options, but then said payment would restart a lawsuit. I feel as though this company practices unfair and deceptive collection practices. I had zero collection accounts on my credit until this account was underhandedly added. I do not agree I owe this and I feel like my rights under the FDCPA have been violated in a few ways. First, I was never given a verification. Second, I was never given an opportunity to dispute this account. Third, threatening with a lawsuit is not legal when you have no justification to carry that out. I have also filed complaints with XXXX  and if I can't get Jefferson Capital to delete their presence off my credit report completely and cease collection activity, I will consult with a consumer attorney.
Complaint sub-issue: Their investigation did not fix an error on your report

I have mailed several notices to Nelnet Loan Services Inc., dating back to XX/XX/XXXX and I have not received any useful replies to validate that Nelnet Loan Services Inc., are holders in due course. During the validation process the debts were transferred several times making it extremely difficult to locate whomever is reporting the debts to the credit bureaus. 
On XX/XX/XXXX Nelnet Loan Services Inc., flagged my credit files with inaccurate/unverified information. Their accounts were updated on XX/XX/XXXX Please be advised that Nelnet Loan Services Inc., are not Holders in Due Course ; no services or goods were received from Nelnet Loan Services Inc., and I have not agreed to pay/tender anything to Nelnet Loan Services Inc. Nelnet Loan Services Inc. , have not provided any documents or itemized statements VIA MAIL proving I owe any debts to them. 
Proper documentation from Nelnet Loan Services Inc., was NOT provided to me to allow Nelnet Loan Services Inc., to verify the accuracy of their data that was placed with the credit bureaus for collection. This proves that Nelnet Loan Services Inc., is not an honorable or honest business that allows their alleged clients the opportunity to defend themselves. 
I have not provided signed wet-ink releases of my private information to Nelnet Loan Services Inc . 
Nelnet Loan Services Inc., does not have my permission to contact me on my private phone line attempting to collect on debts that do not belong to me. I will reply VIA MAIL and I can only be contacted via mail. Nelnet Loan Services Incs reply outside of the CFPBs portal, must be delivered via the postal service. If the envelope is not properly stamped by the postmaster ; it will be returned to sender due to mail code violations. Please abide by all mail codes. All calls are recorded for my safety.
Complaint sub-issue: Don't agree with the fees charged

I qualify for PLSF and have taught for 20 years in public schools. I need someone to advocate. I submitted and student aid gov never responded and put damaging information on my credit. My loans by law should be forgiven.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

I have been a Discover card member sinceXX/XX/XXXX and have never missed a payment. I am currently involved in a debt consolidation program with my other credit cards which is temporarily impacting my credit however I chose to keep my Discover card open and not include this card in my consolidation program. At the time I started this program, I intentionally kept this card open because I had a {$9100.00} credit line and a {$4000.00} balance. To reiterate, I have never missed a payment with this card in TEN YEARS and intended to have this card available in the case of emergencies. I no longer have this option. 

When I signed on to my online account on XX/XX/XXXX, I saw that suddenly I only had {$100.00} of credit available and my credit line had been decreased significantly. This was never communicated to me and when I brought this to their attention, I was told a blatant lie. I work in XX/XX/XXXX and could tell immediately this was back tracking. I have attached the conversation below. I asked why I was not notified of this decrease and was told a letter was mailed to me with the reason for the decrease on XX/XX/XXXX. It is now XX/XX/XXXX and said letter has not arrived at my home. I verified that Discover has my correct address. 

What compounds this situation is that conveniently, the day after I asked this question and received this response, I received an online message dated XX/XX/XXXX, with a copy of the said letter dated XX/XX/XXXX, which was clearly crafted only after I brought this matter to the companies attention. This is very bad and deceptive business. As a reward of 10 years of perfect business with Discover, during which time the company has made hundreds of dollars of interest off of me, I receive a significant credit line decrease. I understand that my credit score has dropped but I have a perfect history with Discover card and it is very bad business practice to treat your customers this way.
Complaint sub-issue: Account status incorrect

I have previously disputed my accounts with XXXX and XXXX XXXX indicating the creditors have consistently reported inaccurate information yet they have replied to the past disputes stating the information is correct. 

XXXX : XX/XX/XXXX : the creditor reported to XXXX XXXX my account was 90 days late, the account was reported 150 days late to XXXX, 120-149 days late to XXXX  ; XX/XX/XXXX : the account was reported 120 days late to XXXX XXXX, 180 days to XXXX  and 120-149 days late to XXXX. Because of the inconsistent reporting, there are various time frames when the accounts will age and be removed from my credit files. Due to the inconsistent reporting, my credit score also  varies and this shouldn't be if the creditor would have reported the correct information. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX  XXXX : XX/XX/XXXX and XX/XX/XXXX the creditor reported the account to XXXX XXXX as a charge off ; XX/XX/XXXX and XX/XX/XXXX is when the creditor reported the account to be a charge off to XXXX ; it was not until XX/XX/XXXX that the creditor reported the account as a charge off to XXXX. With regards to late reporting : XX/XX/XXXX the creditor reported the account as ok to XXXX XXXX, Good standing to XXXX and 30-59 days late to XXXX   ; XX/XX/XXXX they reported 30 days late to XXXX XXXX, OK to XXXX  and 60-89 days late to XXXX  ; XX/XX/XXXX the creditor reported OK to XXXX XXXX and XXXX  and 90-119 days late to XXXX  ; XX/XX/XXXX the creditor reported OK to XXXX XXXX, 30 days late to XXXX   and 120-149 days late to XXXX. This is very inconsistent and unfair reporting. It appears when the disputes were received via the credit and or CFPB the creditor did not take the time to compare all of my credit files. Because of these inaccuracies, my credit scores vary on each of my credit files and over the years I have been denied credit depending on which credit report is requested by the creditor I've applied for a credit card or a loan. Because of theses inconsistencies, I am requesting the creditors remove their tradelines from all 3 of my credit files. See attached.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/22 XXXX contacted all XXXX credit bureaus XXXX, XXXX, & Equifax, to verify the first date of delinquency on the account I disputed with XXXX XXXX XXXX. XXXX funding responded to CPFB XX/XX/22 complaint # XXXX that the first date of delinquency was XX/XX/22. However, Equifax reported on my credit file the first date of delinquency is XX/XX/22?? I am fully aware they may be several opening dates due to different collection agencies buying accounts. However, there should NEVER be a reporting of different first date of delinquencies, which clearly states the information reporting is inaccurate.
Complaint sub-issue: Billing problem

We had a problem with our previous bank with payments being returned and that caused Ally to not allow ACH payments. The last time this happened was XX/XX/2022- ever since then weve been making direct bill payments from our new bank XXXX since then with ZERO now all of sudden some analyst review has locked down our account from even making direct bill payments ludicrous - weve had zero issues with this. Yes we are behind, yes weve had a financial emergency that set us back {$15000.00} which was supposed to have been noted. So now they want us to have us spend more money to make payments?!?!
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself because I was alerted by my social security card getting stolen and I saw a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is incorrect. I have never applied for these items or gave anyone authorization to. 

XXXX XXXX {$780.00} XXXX  XXXX {$810.00} XXXX XXXX  XXXX {$810.00} XXXX XXXX {$780.00} XXXX XXXX XXXX {$590.00} COLLECTION XXXX {$210.00} XXXX  XXXX {$590.00}
Complaint sub-issue: Account status incorrect

In XXXX I open a small balance Credit Card with XXXX XXXX XXXX, after a short time I notified the issuer via a phone call that my balance per rhe statement was I correct. Nothing was done, I then sent them a letter in XXXX disputing the account is accordance with Truth in Lending and Fair Debt Reporting and Collections. I told them that while the account was in dispute no reporting to 5he three National CRAs should be done, that was not adhered too. In XXXX I paid the balance in full. I recently pulled my credit report and saw that XXXX XXXX recently reported the account and they have it listed Charged off and sold to another lender. I was never made aware that the account had been sold. I disputed the reporting, via a letter to XXXX XXXX, a. ) That the no longer owned the account and should not be reporting on it and b. ) That they were reporting on the account while it was in dispute a violation of FDR. I sent the correspondents to their Compliance officer, and they are still reporting the account on my CBR. This has caused damage to my stellar credit history.
Complaint sub-issue: Debt was paid

Thank you for giving me the oportunity to submit this complaint through your portal. 
I want to dispute the following accounts with Mechanics Bank : 1 ) # XXXX, opened : XX/XX/2014, highest balance : {$150000.00} ; 2 ) XXXX, opened : XX/XX/2014, highest balance : {$150000.00} ; 3 ) # XXXX, opened XX/XX/2014, highest balance : {$150000.00}. 

This is the case : This company has been negligent and unfair. They are reporting totally different information across bureaus, and some otrher violations to the California Credit Reporting Act. 

Please send the attached documents to Mechanics Bank. 

Thank you!
Complaint sub-issue: Threatened or suggested your credit would be damaged

Creditor Information MOTOLEASE , LLC XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX MOTOLEASE , LLC is intentionally and continually reporting false information to credit bureas to maliciously cause large drops in credit scores. This behaviour has been recent with a large influx of calls for a balance already paid by the insurance company to close the account. These large drops in credit score initiated by MOTOLEASE have caused irrepairable damage financially and mentally. The creditor is maliciously and intentionally reporting charged off accounts as open with a current balance as if the account is an active accountbon the books with a payment due. The first instance was on XX/XX/2022 with XXXX. The charged off account was reported as open with a balance due and payable causing a XXXX  point score drop. The false and misinformation was disputed with XXXX and was removed on XX/XX/2022. On XX/XX/2022 Moto Lease continued with the fraudaulent reporting by reporting to XXXX that a charged off account had an open and due balance instead of reporting the correct balance of 0. This immediately caused a XXXX  point drop in credit. After XXXX removed the first instance of this false reporting. MotoLease willingly and maliciously reported false information yet again causing irrepairable damage. This fraudulent report was again disputed on XX/XX/2022. MotoLease should not have the continued ability to report false information intentionally. The responsibility and integrity of reporting true accurate information should not be held at the whim of a company using fraudulent tactics that cause harm.
Complaint sub-issue: Personal information incorrect

I am writing to delete the following information in my file. the items i need to delete are listed in the report. i Am a victim of identity theft. i demand that y'all remove these items to correct my credit report. I also reported the theft of my identity to the federal trade commission & enclosed copies of the federal trade commissions identity theft affidavit. Remove these items immediately.
Complaint sub-issue: Other problem getting your report or credit score

on XXXX XXXX XXXX I applied for XXXX XXXX credit card and I had hard inquiry on Equifax which fine and normal then I found another hard inquiry for same company on XXXX XXXX XXXX I did apply for the credit onetime and I got approved on XXXX XXXX XXXX for credit line XXXX . I never apply again to get another hard inquiry for same credit card in few week after XXXX XXXX XXXX. its from XXXX XXXX for XXXX  credit card cos. thanks
Complaint sub-issue: Their investigation did not fix an error on your report

I have a small XXXX  collection account on my credit report. I lived in NY at the time it occurred. In NY collections fall off after 5yrs.

Equifax is arguing that because I moved it reset the clock. I confirmed with a credit law firm that the statute of limitations remains in the state where the debt occurred and can not reset to the new state.

I have also recently read that all three credit bureaus are going to delete all XXXX collections under {$500.00} in XXXX. My collection was both under {$500.00} and due to fall off in XXXX. I requested early exclusion and was vehemently argued with that they intended to keep it on my report an additional 2yrs! Beyond not following rules they are abusing power and using intimidation to harm people financially.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Information belongs to someone else

It has come to my attention that XXXX XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to XXXX XXXX XXXX ( XXXX ) ( XXXX ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to XXXX XXXX XXXX ( XXXX ) making XXXX XXXX XXXX XXXX an assignee pursuant to XXXX XXXX XXXX ( XXXX ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to XXXX XXXX XXXX. Furthermore, that is an Deceptive Form identified in the XXXX pursuant to XXXX XXXX XXXX. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as XXXX states pursuant to XXXX XXXX XXXX ( XXXX ). Lastly, XXXX states " No credit card shall be issued except in response to a request or application thereof '' pursuant to XXXX XXXX XXXX. This is my request! It is shocking to me that XXXX XXXX XXXX takes pride in their ignorance of XXXX XXXX. As a result of the adverse action provided to me. I have lost confidence within the banking system
Complaint sub-issue: Account information incorrect

I have been trying for the past several months to get Equifax to remove inaccurate information from my credit report. They have asked me to send them several items, such as copies of my Social Security card, drivers license and W-2 form, and I have sent them these items multiple time, both by postal mail and by email, but they refuse to correct the information. I have filed several disputes with them. Some have been corrected but there are 2 disputes that keep coming back as " open '' or active ''.