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

XXXX XXXX XXXX XXXX is reporting my car loan payment late XX/XX/2019 to all three credit bureaus. 

This payment was late due to incorrect information provided over the phone from a XXXX representative. I remember calling and asking when they reported to credit bureaus and the representative said I still had a couple days to make the payment not regarding it was a weekend and that it would not process my payment until following week.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like XXXX being taken advantage of and being ignored. Section XXXX ( a ), states that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Complaint sub-issue: Debt was result of identity theft

I submitted on XX/XX/2021 a letter, FTC report, and 15 USC1681c-2 block info. I have an identity theft with an account on my Consumer Report with XXXX and Equifax Only XXXX XXXX XXXX ( ALLEGED ORGINAL CREDITOR ) XXXX XXXX XXXX This agency is in violation of 15 USC 1681c-2. A consumer reporting agency should block an remove the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. This account is still reporting on my account and they have all of the information that need and its been 6 days since they received the letter. 
I demand this account be removed/deleted asap because of the violation and I know under 15 usc 1692k XXXX I get {$1000.00} per violation. SO i am demanding deletions/removal of this account or im seeking monetary damages.
Complaint sub-issue: Debt is not yours

MRS Associates continues to re-insert a spectrum bill of {$310.00} onto my credit report after having been removed multiple times due to no supporting information that I owe this debt. I am not aware of and do not owe this debt
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

After 6 months, I finally received a credit to my Macy 's account for the bracelet and gift card that I never received.
Macy 's mailed a gift card to my previous address from  XXXX  and the tenant that was living in the home at the time stole the gift card. I made a purchase from my Macy 's credit card, never received the item, was charged for the item even after it was determined the item was lost and then paid interest on the credit card from XX/XX/XXXX  through XX/XX/XXXX .
I requested a full refund, the interest that was paid on {$880.00} for the past 6 months AND credit protection for 1 year which is {$14.00} per month per   XXXX   because Macy 's accused me of receiving a gift card for {$880.00} and then trying to file a false police report.
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Macy 's caused this issue and needs to take responsibility for it. I paid for an item by credit card and the refund should have been placed on the credit card not a gift card to a 7 year old address.
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I do not like the way this situation was handled and I am requesting further investigation asap AND I am waiting for the interest to be paid plus the credit monitoring. If you want the police report you can speak to detective   XXXX   and listen to him blame Macy 's for the entire situation. Seriously thinking about closing this account and posting my complaint to BBB on   XXXX   and other social media outlets!
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Purchased merchandise from XXXX XXXX using Discover Card XX/XX/XXXX. XXXX records indicate delivery on XX/XX/XXXX. Merchandise was NEVER received. 
According to FCBA, I should not be charged for merchandise I did not receive. 
If XXXX did deliver the merchandise, then it must have been stolen, because I NEVER took possession of merchandise.
Complaint sub-issue: Other problem getting your report or credit score

I 'm trying to get a loan for a mortgage on a house and equifax is saying that the applicant ( me ) is blocked and are n't giving my credit report to the lender. It 's been  three  weeks and I 've faxed them all my information that they 've asked for which was my Ssn and id and they 've told me that all three times I 've sent it to them that they have n't received anything from me. The first time I faxed them was on the   XX/XX/XXXX   then  XX/XX/XXXX    then again on the   XX/XX/XXXX   and nothing has helped
Complaint sub-issue: Debt is not yours

Unknown and there was never a medical bill I owe d in 2014. Thi s is inaccurate and false information against me
Complaint sub-issue: Reporting company used your report improperly

XXXX, XXXX, Equifax violated : 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. 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.

When I explained this to the reporting agencies they only updated the accounts even though it's proven identity theft, incomplete, inaccurate information in my consumer report XXXX  XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX Please contact me to explain what information needs to be in a suite when you proceed pro se or point me in the right direction... .ps I tried to provide supporting documents for my previous disputes but the web site doesn't support the size of a screenshot of my id or any other files. When struck with this a couple days later that's when the results came back as updated ... ps I like how at the end of this complaint we have to check to give you authorization to even access my report.
Complaint sub-issue: Debt is not yours

XXXX XXXX was already notified that there was no proof of contract but still reported I owed them
Complaint sub-issue: Don't agree with fees charged

Collection Agency claims that I signed a Loan Document electronically for a Private Student Loan thru XXXX College. The loan was supposedly electronically signed on XXXX/XXXX/2006. However, I didnt sign any enrollment papers for XXXX XXXX until XXXX/XXXX/2006.
Complaint sub-issue: Information belongs to someone else

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. I have no idea who this person is that has my SS number and Birthday. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$33000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$410.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$6500.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Collected or attempted to collect exempt funds

On XX/XX/2018, XXXX XXXX XXXX processed an ACH draft on my credit union account without my permission. I revoked access to process any ACH drafts on my account months ago.
Complaint sub-issue: Investigation took more than 30 days

Almost 2 months later and I havent seen my credit disputes addressed by XXXX, XXXX XXXX and Equifax. This is a violation of thier timelines and is putting me and my family in financial distress.
Complaint sub-issue: Information belongs to someone else

In XXXX I noticed fraudulent accounts on my credit report after receiving a notice that my personal information may have been compromised in a data breach with Equifax. I begin to dispute these items and these items were not removed. In XX/XX/XXXX I filed a police report as well as a FTC report I mailed these copies of the reports along with my social security number, Identification, and proof of address to XXXX, Equifax, and XXXX. Each company reported that the creditors verified the accounts. I then wrote a letter in XX/XX/XXXX to each creditor as well as XXXX, Equifax and XXXX to provide me with a copy of the original singed documentation. Their response was accounts were verified. Over the course of the past 3 years I have written letters and been told to resend police reports, file disputes over and over. As of XX/XX/XXXX I informed each company of my rights under FCRA section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ) to provide me with the original signed documentation. I also informed them of my FCRA rights under section 611 ( a ) ( 7 ) to provide me the method of verification of these accounts. I was told by each company that the accounts were verified and they do not have to provide any documentation. I called all companies in XXXX of XXXX to inform them of the law under FCRA section 616 & 617 of the civil liability and the remedy available to me if they failed to comply with federal laws. These companies has failed to show me any documentation of the accounts being mine. These companies are failing to follow FCRA section 611 ( 5 ) ( A ) that states you are required to promptly delete all information which can not be verified.
Complaint sub-issue: Personal information incorrect

Credit bureau is showing an incorrect address as my previous address : XXXX XXXX XXXX XXXX, OR, XXXX I have never lived at this address, therefore please delete it.
Complaint sub-issue: Their investigation did not fix an error on your report

I am disputing the US Bankruptcy Court of XXXX XXXX Court of California with their office and as well as the credit bureaus Equifax, XXXX and XXXX. The 3 major Credit bureaus claim that this is a verified account. And every time I go to ask the court if they have verified this account with the credit bureaus - they never answer my questions as to if they report to the credit bureaus or not. The court claims to dispute this with the credit bureaus and the credit bureau 's claim to dispute this with the courts. But neither one of these companies can tell me who verified this account, how it was verified.
Complaint sub-issue: Their investigation did not fix an error on your report

The complaint involves Equifax ; XXXX  and XXXX. The attached complaint outlines the particular instances wherein each reporting agency refuses to make corrections, damaging my creditability and interfering with trade.
Complaint sub-issue: Was not notified of investigation status or results

I sent out letters to All three credit agency 's and notified them of the issue on XX/XX/22.
Complaint sub-issue: Account opened as a result of fraud

Opened an account without my knowledge or consent. Sent me a focus debt card in the mail. Had sent me someone elses money on the debt card. Tried calling to understand the situation for over 2 months they just hang up on me. Was unable to login into my account that they made for me. Very disrespectful customer service.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 ; I sent a letter regarding inaccurate and unknown things on my credit report. To this day, I have not received a response yet. It has been over 50 days. I feel like I am being taken advantage of and they are completely ignoring my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days is a reason to immediately remove those items from my credit report. Since it has been over 50 days, they should be deleted promptly. I demand these accounts to be deleted immediately or I will file litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Account status incorrect

Nelnet XXXX XXXX is reporting that several accounts were delinquent at least or more than 90 days. This is completely false. I have contacted Nelnet XXXX XXXX  and disputed this but they have never made any attempt to correct or validate their error. 

I have one student loan. It was consolidated. There are 6 student loans showing delinquent states on my credit report when I have never ignored or missed any agreed upon payment. In most cases they were processing paperwork for a deferment or did not know the nature of their own student loans. I am an XXXX for the last 18 years and should be eligible for the XXXX Forgiveness Program but when I call they dont know what I am talking about and transfer me from one department or the other until I have run out of allotted time devoted to this. In some cases this has been over 1 hour. 

My balances, payments and terms are incorrect because of this but they continue to knowingly inaccurately report my student loan. 

I have not been late with them. In regards to their latest reported late payments I applied for the Income Based Repayment plan. While they were processing it they informed me they were placing the loans in deferment status. This was for the months of XXXX, XXXX and XXXX. In XXXX I was approved for the IBR payment plan. I spent an hour with a XXXX loan person and he promised that I qualified for an immediate loan forgiveness. I also asked " who owns the loan? '' He responded " XXXX XXXX, XXXX XXXX, XXXX, Nelnet, XXXX, and XXXX XXXX ''. I've been given all these answers from personnel and nothing but derogatory credit is the result. 

I have been unable to purchase a home and have suffered financial injury due to their inaccurate reporting which is in violation of precedent established by the US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. 

They have ignored my disputes and pleas for accuracy. This is violation of

FCRA Section 623. XXXX and XXXX knowingly facilitate this. After failing to achieve effective communi
cation with my loan servicer I have also tried to have these errors corrected directly with XXXX, XXXX and XXXX. They continue to do mock investigations and let gross inaccuracies remain on my credit report. This has caused me financial injury and is in violation of FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv-01743 ).
Complaint sub-issue: Reporting company used your report improperly

Im 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.

DEPT OF EDXXXX XXXX XXXX XXXX XXXX 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 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 7 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

XXXX used my data & email address I have now on my new cell phone to verify the account I have with them but the email they sent a verification code to does not match the one I verified with the account.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, This is ridiculous and inaccurate. My insurance carrier stated that they rectified these accounts, and said you can not collect debts twice. 

no contracts exist ... grave errorsfalse claim and reportingI want these accounts removed immediately or litigation may follow.

Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed inaccurate updates that XXXX/XXXX keeps reporting information as accurate as well as readding amounts already paid. As of today XXXX XXXX 2017 it was updated once again showing that it 's accurate that I owe {$700.00} balance. This account was paid off on XX/XX/2017, even prior to that the balance was less than {$700.00}.
Complaint sub-issue: Personal information incorrect

My name is written wrongfully in multiple ways. 
The wrong employer appears to be on my credit report There are multiple addresses on my file where I do not reside at. 
Incorrect cell phone information There are MANY hard inquiries on my report that I never consented to.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX XXXX XXXX https : XXXX XXXX purchased a debt of mine from XXXX. The debt dates to 2011 and was already removed from my credit report because it expired. 

XXXX XXXX put the zombie debt back onto my credit reports. Both XXXX XXXX and Equifax have refused to respond to my disputes and remove the expired debt from my credit report.
Complaint sub-issue: Account information incorrect

My wife and I had a mortgage with XXXX XXXX  of which I was in an approved forbearance program due to COVID and my complete loss of income. My accounts all shut down on XX/XX/XXXX and I had been in contact with XXXX immediately about my loss of income and signed into their deferment program of which it took several months to receive the paperwork from them. They informed me under the current law I was abIe to defer monthly, which i did from the the first month covid hit me. I was told to wait for their paperwork to fill out but needed to put in an application with them. I did so and was approved for forbearance with a first payment due on XX/XX/2020. I ended up selling my house and sold it XXXX under appraised value to move on from this nightmare and get them paid and save my credit. I satisfied them 100 % on XX/XX/2020. Ist payment of the new forbearance was XX/XX/XXXX. 
Today, XX/XX/XXXX, not on my credit but on my wife 's credit report it shows a 120 day delinquency from XXXX XXXX, posted on XX/XX/XXXX, which will now affect us on our current mortgage application and I will not be able to get the interest rates we deserve and worked so hard to retain. We went from a XXXX sq ft house to a XXXX room to save our credit and now we have this to deal with at almost XXXX, and not due to my own fault.
Complaint sub-issue: Their investigation did not fix an error on your report

I have new and updated information concerning Lexis Nexis. I previously complained of Lexis Nexis ' illegal conduct under ID # XXXX, but received no resolution to my complaint. Lexis Nexis has failed to conduct their required investigation in accordance with federal laws; failed to provide me with a comprehensive audit trail, including evidence of such required investigation ; and failed to delete items in accordance with my written instructions. Lexis Nexis is in violation of my rights as a federally protected consumer.
Complaint sub-issue: Account status incorrect

I just got off the phone with GLESI, and they repeatedly assured me that I brought my payments current with them back at the end of XXXX! However the credit bureaus have continued to show me as late since then! I now have 2 accounts that are showing a payment status of late more than 120 days! This can not be! I just consolidated these loans!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have close to XXXX inquiries that were put on my credit without my authorization. I started the process of purchasing a vehicle through a car dealership with my own financing. They took it up son themselves to take my personal info and send it to XXXX something banks with out my consent. I have reached out to all three credit reporting agencies but have not had any luck.
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/2022, I purchased carpet and installation services from RC Willey XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX NV XXXX. I was notified that in order to book the installation date I would have to pay the entire cost up front ( {$4000.00} ) or make a 50 % deposit of the entire cost. 
I opted to make the 50 % deposit which amounted to {$2000.00}. At no point in time was I informed verbally or in writing that a 2.6 % fee would be added to the total amount afterwards. No where in the Flooring agreement and promissory note that I signed on XX/XX/XXXX does it state a 2.6 % fee would be added to the installation if I used my credit card for payment. 
When I returned to complete payment on XXXX, I was expecting to owe the exact 50 % balance I was told I owed. RC Willey decided to add the 2.6 % fee surreptitiously but I noticed the difference and inquired why did the cost increase? There was really no good answer. 
I believe this constitutes deceptive and misleading sales practice. Whenever I have conducted business with any company that accepted credit cards for payment, this charge was clearly and openly disclosed beforehand. This did not happen in my case.