Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

Company : XXXX XXXX XXXX Account number : XXXX This company has violated my right. 

There is not enough information to validate the debt, i requested validation of debt by means of : XXXX. Validation of the debt that is, the actual accounting. 
XXXX  Verification of a signed invoice. 
XXXX. A copy of the contract binging both parties, in a letter by certified mail so that there is an independent Witness to it having been delivered. 


15 U.S.C 1692g - Validation of debt ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector 15 U.S.C 1692e ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.

15 U.S.C 1692b Aquisition of location information ( 4 ) not communicate by post card ; 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 instruction.
Complaint sub-issue: Reporting company used your report improperly

I have reached out to all the credit bureaus and get a response that was in adequate because Upon my investigation and research it is still inconsistent. 

In accordance with the Credit Reporting act XXXX 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.
Complaint sub-issue: Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions First Premier Bank
Complaint sub-issue: Account terms

I had a credit card with my ex-husband as co-applicant. When we divorced, he was taken off the card and the credit card company reduced the credit limit dramatically. On my credit report it lists the " High Credit '' as {$14000.00}. The current credit limit on the account is {$8000.00}. I do n't remember ever having a balance of {$14000.00} on the card. Is that the earlier credit limit when there were XXXX of us? Is this something that should be ( or can be ) corrected on the report? Does it affect my credit?
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

A contracting company XXXX XXXX XXXX XXXX  XXXX ( XXXXused   going forward ) did work. They did not finish and I had already paid on XXXX, XXXX XXXX I suspended the payment that I made with Discover card to XXXX. XX/XX/XXXX, after repeated calls to XXXX and not getting the phone answered or called back and reading online that XXXX  does not complete work and does not call back. I paid someone else to have part of what XXXX  did not complete done because it was an electrical safety issue and fear of fire. XXXX did come and do more stated to be done work and insisted to be paid with a cashiers check. I called Discover and asked about giving a cashiers check, I was told to have XXXX  write on XXXX  letterhead accepting check instead of Discover card payment by XXXX XXXX. ( a discover employee ) I did what Discover told me to do and they charged me and paid XXXX again. Discover said they received a statement from XXXX  and because of the statement from XXXX  Discover paid XXXX. I called XXXX and talked to XXXX. He stated he did not get paid by Discover and that the company he uses XXXX or Discover must have the money. XX/XX/XXXX. There have been multiple phone calls to Discover and XXXX. I also sent messages to XXXX. I am being charged and XXXX was paid with the requested check. Discover stated that because of statements from XXXX  I do not have enough proof to show XXXX  was paid for the XXXX transaction. This is just a summary I have multiple dates and conversations too many to put here. 
Discover Financial Services XXXX. XXXX  XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX  XXXX *XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Oh XXXX XXXX XXXX, XXXX . 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX
Complaint sub-issue: Information belongs to someone else

These are fraudulent inquiries on my report please remove them. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Still to date, while unders dispute with Equifax and XXXX XXXX  XXXX, Equifax has not marked XXXX XXXX XXXX as being under dispute on my credit profile ( documentation attached ). Equifax also allowed XXXX XXXX  XXXX to add additional negative comments to my credit profile, on XX/XX/2019, while currently under dispute. I reported to Equifax that, even after I updated my current address and telephone number to XXXX  XXXX XXXX, they still were using an incorrect mailing address and telephone number for me and therefore, XXXX XXXX XXXX did not contact me regarding any information that was placed on my credit account. I have also informed Equifax and XXXX XXXX XXXX   that my  identity was stolen and I provided legal documentation from the CFPB identity report and provided them by telephone with my current address and telephone number. Equifax sent me an email requesting that I provide them with proof of my current mailing address, even after I have already provided this info to them when my identity was stolen. However, I have attached proof of my address to this complaint. The information that XXXX XXXX XXXXXXXX has for me as far as my address, telephone number, and balance is incorrect. XXXX XXXX XXXX recently tried contacting me, on my correct number that they received through my recent dispute, XX/XX/XXXX, requesting that I call them and confirm that it was me that actually put in the dispute. I find this to be improper to call me and leave a message to confirm that it was me who put in the dispute with CFPB. I tried calling them several times and no one answered the number, nor did they return my call. I find it odd that XXXX XXXXXXXX XXXX would call me to confirm that it was me that put in the dispute when CFPB requires that you provide legal information when filing the dispute. And because they never called me back after I left them a message and tried calling several times, makes me think that it was fraudulent, or some kind of form of retaliation, or other non valid reason ; because after I confirmed it was me, through voicemail, who put in the complaint, they added additional negative comments to my credit report and Equifax allowed it, although they are under dispute. I was not returned a call from XXXX XXXX XXXX, after the person named XXXX, from the XXXX XXXX XXXX complaints department, stated that I must call them by a certain time. I still have the telephone message as proof.
Complaint sub-issue: Problem during payment process

On XX/XX/2019 I logged onto my XXXX XXXX XXXX credit card account online to see if there was a bill due to be paid. My account stated that the amount of {$260.00} was due on XX/XX/XXXX so I went ahead and paid that amount. No where on there did it state that I was making an early payment if I paid on the day the bill was posted. I did notice when I was checking to see if my payment posted that a new balance of {$250.00} was due but I had clearly made the payment that was on the statement of {$260.00} which showed paid. So today which is XX/XX/XXXX I was charged a late fee of {$27.00}. I called and explained my situation and was told unfortunately because I made a proactive payment there was nothing they could do. I ended up having to dispute it. I spoke with someone named XXXX, who said it could take weeks to resolve and in the meantime I had to pay the {$250.00} or It would look as if I didnt pay my bill. I dont understand how they are legally aloud to post an amount due and a due date and when a customer pays they can say its a proactive payment!
Complaint sub-issue: Problem with paying off the loan

On XX/XX/XXXX I sold my XXXX XXXX XXXX XXXX sport double cab to Carvana, the representative showed up to my home at approximately XXXX and looked over my vehicle and verified the miles and presented me with the purchase documents to sign, which I signed and Carvana completed my electronic Equity payment MINUS the amount owed on my current loan to XXXX  XXXX XXXX. They had a person from Carvana come at XXXX and pickup my vehicle and take it to there holding lot in XXXX , AZ . I was told my loan balance would be paid off within approximately 5days. On XX/XX/XXXX I was verifying with XXXX  XXXX if my loan had been paid off and it WAS NOT so I contacted Carvana on XX/XX/XXXX to see why payment hadnt been made. I was informed by the representative with Carvana that they had no clue what I was talking about and that they didnt know they had my vehicle, I explained that they wouldnt have paid me if you didnt have my car and that I had a signed purchase agreement when they picked up my truck on XX/XX/XXXX. After looking further they found they had my vehicle but showed the representative that came to my home and finalized the sale CANCELLED the purchase by accident. Carvana requested a statement from my current lender on XX/XX/XXXX ( XXXX  XXXX ) showing the next payment due date on my loan, which I sent to XXXX XXXX with Carvana on XX/XX/XXXX and claimed the payoff to my current lender would be paid/posted within 2 days, as of XX/XX/XXXX My loan still isn't paid off and I am getting correspondence from Carvana Only stating they want to purchase my Truck and schedule pickup for my vehicle which they already have in there possession since XX/XX/XXXX.
Complaint sub-issue: Company closed your account

I am experiencing identity theft and monitor my credit closely. I received notice that an account closed, upon review it was closed based on credit information that is currently affected by identity theft. Consumer contacted the company and explained the situation. Consumer asked for the company to add a remark onto all credit bureaus indicated consumer notified them that they are experiencing identity theft but this company still chooses to decline reconsideration. The company asked consumer to reapply once credit issues get resolved. Why, would I want to work with a company that has zero compassion for a person who has been a loyal consumer for over 10 years. And zero consideration to put the account on pause or freeze it. They had no other solutions but to maintain there current stance of closing account based on inaccurate information. The card company is with Best Buy Store card. So please be wary if you do get this card and experience the misfortune of identity theft because they will close your account and not care about the victimization of identity theft. I will never buy a product or ever apply for credit through this card company in my lifetime.
Complaint sub-issue: Debt is not yours

XXXX was sent back the phone XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX has been non-compliant with removing the unverified account XXXX XXXX XXXX/NELNET which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that XXXX XXXX XXXX/NELNET was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Complaint sub-issue: Account status incorrect

The XXXX  Credit Bureau is reporting inaccurate information on CITI ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. I tried contacting XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the charge off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. You are condoning illegal behavior and the bureaus are willfully in violation of FCRA. REMOVE FROM MY REPORT IMMEDIATELY.
Complaint sub-issue: Information belongs to someone else

the following items are one my credit report i didn't apply for none of these accounts i didn't use none of these accounts Account XXXX statusClosedDate openedXX/XX/XXXX loan amount XXXX XXXX XXXX XXXX XXXX XXXXccount number XXXX Account status Open Date opened XX/XX/XXXX loan amount XXXX $ Original creditor : Account number XXXX Collection opened XX/XX/XXXX XXXX $ Account type XXXX XXXX XXXX XXXX XXXX XXXX Collection AccountAccount number XXXX Collection opened XXXX XXXX, XXXX XXXX $ XXXX XXXXXXXX XXXX XXXX XXXX  Account number XXXX Collection opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Account number XXXX Collection opened XXXX XXXX, XXXX XXXX $ XXXX XXXXXXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX Account number XXXX Collection opened Indicates the date the collection account was opened XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Collection opened XXXX XXXX, XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX $ XXXX Account number XXXX Account status Open Date opened XX/XX/XXXX loan amount XXXX
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX I paid settlement amounts as agreed upon by Key Bank Educational Loans using a home equity line of credit. I paid XXXX and XXXX and XXXX to Keybank to settle the accounts and clear the balances owed. The amounts were dispersed by my bank which is a Federal Credit Union. However, the present status shows that I still have a balance owing and past due amount even though the amounts paid and the amounts showing on my credit history are exactly the same amounts. This is negatively impacting my credit history. I called on XX/XX/XXXX to request that they change the status to correctly reflect that the balance amounts were settled upon ( that we agreed upon a settlement ) and that there is a XXXX balance remaining to be paid and no past due amount. I was directed to 5 different personnel and none of them understood why it showed a XXXX balance owed in the system but is incorrectly being reported on my credit report. I was transferred numerous times. The last person I spoke with told me to file a complaint and show my XXXX forms that show the cancellation of debt in the complaint.
Complaint sub-issue: Overcharged for something you did purchase with the card

I reported fraud charges on my card and Macys didnt even adjust my balance. It shows I still owe them.
Complaint sub-issue: Information is not mine

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/1976 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$23000.00} AUTO {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX PD WAS XXXX XXXX Late Dates : XXXX, XXXX, XXXX N/A XXXX XXXX -- / -- XXXX {$100.00} COLL {$100.00} - {$100.00} - - - COL N/A XXXX XXXX -- / -- XXXX {$210.00} COLL {$210.00} - {$210.00} - - - COLL XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} COLL {$660.00} - {$660.00} - - - COLLECTION XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, Equifax XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/1976 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Complaint sub-issue: Account status incorrect

I do not know how this works, but I need it done or somehow corrected. My name isXXXX XXXX, XXXX XXXX XXXX XXXX TN XXXXMy SS XXXX DOB XXXX. I had some issues with my income being affected by the XXXX19PANDEMICSHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. US DEPT OF ED XXXX # XXXX, # XXXX accounts are reporting on XXXX, XXXX The was 30,60, 90 DAYS LATEsince requested assistance due to the pandemic. I found a few accounts that I have never done any business with these companies and the accounts do not belong on my report : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. 
I have some issues with the misspelling of my name, my correct spelling is XXXX XXXX. Please remove any other variation of my name they are not correct. The following addresses do not belong to me please delete them : XXXX XXXX XXXX NC,XXXX,XXXX XXXX XXXX XXXX XXXXNC,XXXX,XXXX XXXX XXXX XXXXSC, XXXX XXXX XXXX XXXX NC,XXXX,XXXX XXXX XXXX XXXX NC,XXXX,XXXX XXXX XXXX SC,XXXX
Complaint sub-issue: Other problem

First Progress has closed my account without my permission they have kept my security deposit and refused to refund it to me they have not fully investigated claims they have treated me in a discriminatory manner they have not fully disclosed the terms and conditions.
Complaint sub-issue: Reporting company used your report improperly

LexisNexis has violated my consumer rights to privacy. LexisNexis has also violated codes XXXX USC 1861b Permissible Purpose.

In a response letter to a previous complaint, LexisNexis admitted to gathering information from another data furnisher named PACER ( Public Access to Court Electronic Records ) system. LexisNexis, in-turn use this information on my consumer report and provided this information to other consumer reporting agencies without my permission. 

This has resulted in multiple failed attempts for me to financially advance and continues to cause damage to me as a consumer. 

I demand that LexisNexis, provide proof of Permissible Purpose. 
I demand that LexisNexis, provide proof of my consumer rights to privacy was not violated.
Complaint sub-issue: Can't temporarily delay making payments

I contacted Dept of Education/NELNET several times, about making payment. My loans where to be in a deferment due to the pandemic. I was advise that they would not defer my student loans, and now all 4 loans reported late to all 3 credit agencies showing past due for XXXX XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

No knowledge of this account, noticed this on my credit report. Did not receive right to dispute.
Complaint sub-issue: Problem with fees

I closed my card because I wasn't using it and did not want to pay a membership fee for a card I don't use. My balance was XXXX. Spoke to Citibank customer service told them to close the card in XXXX was assured I would get a confirmation # and they never sent one called 2 more times same issue same response but still they harass me with phone calls and messages demanding payment of a membership fee {$99.00} for a card I don't use and haven't used for months with a XXXX balance. Only balance showing is their membership fee. Please help me get them to stop calling and harassing me.
Complaint sub-issue: Account status

XXXX XXXX was included in bankruptcy and discharged it was listed as in collectionsI disputed it and they correct it then a month later it comes back as in collections open with a balance causeing a XXXX point drop in my fico score. 
I have disputed this XXXX times with them and it gets corrected then goes back to being reported wrongI want this account deleted as it appears eith they or kay continues to do me harm by doing this
Complaint sub-issue: Credit inquiries on your report that you don't recognize

inquires on my report that i did not give consent to pull. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Also my name is incorrect
Complaint sub-issue: Debt is not yours

In XX/XX/2016, after moving to my current address I requested XXXX to install internet and TV services at my new residence. XXXX installed services, but was not able to fully make them operational. They were unable to port my existing phone number and I had intermittent internet service outages. After two weeks of attempted repairs without success, I terminated the service with XXXX and returned their equipment. I initiated services with XXXX and continue to have them today. A month later, XXXX billed me for a full month of services despite not having a single day where my contracted services were operational. I disputed the bill with XXXX. We failed to reach a resolution, and XXXX submitted the debt to collections. Recently, they sold this debt to a new debt collector ( EOS-CCA ) and they have called me on my cell phone harassing me. Moreover, they resubmitted a derogatory remark to XXXX XXXX damaging my credit rating. 

Respectfully, I am requesting this debt collection for {$180.00} be terminated as the original bill was incorrect and EOS-CCA has no right to re-instate a new derogatory remark for an issue that arose in 2016 ( almost 6 years later ) as a brand new issue.