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

I was reported late late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. For the months of XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX I received late fee waivers. I am requesting that the payment history be updated as the CARES Act states, if an accommodation is made the credit reporting should show as current for the months of the accommodation. An accommodation is an agreement to defer one or more payments, make partial payments, forebear delinquent amounts, modify a loan or contract, or receive any other assistance or relief granted by a creditor, to a consumer affected by COVID-19 during the covered period. The covered period is the period beginning on XX/XX/XXXX and ending 120 days after the national emergency terminates. 

Additionally there is a known issue with Discover and XXXX bank where the system is not reading or sending the payments correctly. I was previously advised by the Executive Office that if I made a payment online, the system would read it correctly. For all other months that I was late in XXXX XXXX, the money was in my XXXX bank account however it was not processed. I have tried many things to rectify the situation and now I have made a new bank account with XXXX XXXX 

However due Discover placing a hold on my payments for returned payments that were not my fault as the money was in the XXXX account I received late remarks. I would like those changed as again it was not my fault as I was told countless times, the payments would go through. Also I would like the 8 day hold for payments that is has been on my account for 2 years to be removed.
Complaint sub-issue: Attempted to collect wrong amount

Account was originally opened in XX/XX/XXXX where I purchased a washer, dryer, and a T.V. I was offered a 12 month no interest deal which I accepted. In XX/XX/XXXX,  I experienced a substantial flood in Louisiana and lost everything. I filed a claim through the insurance that XXXX XXXX  XXXX XXXX  gave me and it was explained that I could replace the items that I received in which my 12 month interest offer would be extended or let the account be closed out. I choose to get a refrigerator, washer, and a dryer and was told by the female customer service agent at the XXXX XXXX XXXX on XXXX XXXX in XXXX XXXX that the no interest deal would extend unto the following year from the date of purchase. I made regular payments until in XX/XX/XXXX I called to pay off account and paid {$1300.00}. At that time I was told that my 12 month interest free had expired and I fought the payment and only agreed to pay {$1300.00} on the account that day because I was told once I paid that a manager would look over the account, process it and close it out. That never happened and I started receiving phone calls from Conn 's starting in XX/XX/XXXX stating that I owed money still. I fought with them and told them I did not owe that amount. Spoke to a collections manager and she asked why I didn't sign anything and I explained to her what had happened. eedless to say, she said I owed the remaining balance. I started talking to an attorney to get some insight and did not pay the amount being requested. However, with legal counsel I was informed that it would be better to settle this matter instead of going through legal channels and so when I was given a settlement of match pay on my phone I called to make the arrangement on the XX/XX/XXXX at about XXXX XXXX that evening. Once on the phone I spoke to several different individuals and it was stated to me that if I made a payment of XXXX Conn 's would match dollar for dollar the amount paid and then I would be refunded the extra amount owed back to me. This was because of the rules of the match pay I could not pay only the {$580.00} that if matched would bring my account to fully paid. I had to pay a total of what would equal 3 months of payments to have the deal recognized. Now Conn 's is saying the will not honor the deal. I have talked to several of their agents and gone over the notes they have on file. The voice mail that offered the deal for match dollar for dollar came from XXXX at XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

XXXX previously reported this debt and It was removed from my credit report after communication with the credit bureaus with my police report and identity theft report. 

I responded to ERC 's original letter to collect the debt and let them know this has already been disputed and the original creditor should not be selling this debt as they have received all the required documents for the identity theft. They continued to list the debt on my credit report. This is the last attempt to have the debt removed.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX has all 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 an 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 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 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

I never gave this company permission to have or create or furnish a report on me. Because of this I have been having a hard time keeping my credit report intact because this company just basically violate my right to privacy and let just about any company place things on my report. I have been a victim of identity theft numerous times and have to do a lot to keep my credit in tact and take literal breaks to mentally heal from the damage thats non stop done to me. I have submitted ftc reports and had fraud alerts placed on my account before but now in really tired of it and I demand my privacy and want the following items in the attachment file corrected and removed and I also want a full in dept copy of my credit " file '' reflecting ALL items that are posted that I may or may not know about.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX, XXXX 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: Account information incorrect

This account attached has been paid for months. The status has been updated on XXXX and XXXX but not equifax. The company agreed to remove once paid and it is not even showing paid. I would like for this to be removed
Complaint sub-issue: Their investigation did not fix an error on your report

Was notified by XXXX that a collection was added to my credit report on XXXX the XXXX, XXXX. The collection company is XXXX XXXX XXXX and they state the original debt belong to XXXX XXXX XXXX XXXX OF TEXAS for {$460.00}. For starters, this was first time I had heard about this company. I have never done business with this company, had not had any services provided by them or anything of that sort. The collection turned out to be a medical debt, which is already a problem since I have not had any XXXX XXXX provided to me since XXXX. I contacted XXXX on XX/XX/XXXX and disputed the debt. I was told that they would " investigate '' the matter and would take 30 days. The very next day XXXX XX/XX/XXXX ), I received an update to my dispute stating that they were able to validate the debt, but could not provide me proof that the debt belong to me. I asked XXXX how was the debt was " investigated '' and the representative told me that an email was sent to the collection company asking if this debt was true and accurate. When they responded yes, they just took their word for it!! These credit bureaus do nothing to actually validate the debts reported to people 's credit reports. That same day, XX/XX/XXXX, I disputed the debt again. On XX/XX/XXXX, the account was removed from my credit report. But on XX/XX/XXXX, the account was reported again to my credit report. XXXX once again told me that the account was validated by sending out any email to the collection agency to ask them if the account was accurate. The credit bureau, both XXXX and Equifax have not provided any proof that this account belongs to me. They won't be able to do so since I know I have not had any XXXX XXXX provided by anyone. These credit bureaus continue to allow information to post to people 's credit reports without validating the information. Also, with Equifax, their online system allows you to dispute addresses and inquiries that should not/or do not belong to the consumer. Twice, I have disputed a couple of addresses and inquiries I did not authorize, and nothing was done ... .not even an update on the disputes!
Complaint sub-issue: Information belongs to someone else

My Name is XXXX XXXX XXXX I would like to file a formal complaint / investigation against Equifax Credit bureau regarding reporting Inaccurate fraudulent accounts to my credit profile. I have sent them countless dispute letters I can confirm at least 8 letters sent Certified US Mail and successful Delivered please see attachment. They have never provided me a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, they stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 So I contract the creditor ( s ) Directly example XXXX XXXX where the did send me a copy of the fraudulent contact ( Never Once did Equifax send me any original documents from this creditor to show prove that this debt belongs to me ) I of course respond to XXXX  and Equifax once I obtain the contract myself from XXXX  that this was fraudulent I see where XXXX  Stop reporting on the account back in XX/XX/2020 ( please see attachment ) However this debt is still showing and being reported by Equifax despite myself providing them the contract that clearly shows that is not my signature cause I also provide them a copy of my social security card driver license and a Notarized statement I even went and filed a police report witch I am waiting to be assigned and detective to investigate this crime to take legal action against all parties involved This have been very stressful costly damaging to me! I believe that they are in competed of reporting accurate information I have sent them my driver licenses numerous of time and they continue to report my Birthday as XXXX even know I have told them shown them that is a fraudulent birthday not correct!! XXXX They removed XXXX  account from my credit report to only put it back on there 2 days later I have been disputing this for years and they have even fraudulent respond to my disputes Confirmation Number : XXXX saying it was nothing on my credit report but a collections account for a apartment complex but when I would check my credit report everything I would be disputing would still be on there as if they are not even checking the validity of the reports
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX contacted my mother, and disclosed that they were a debt collector, how much I owed on the outstanding loan, when it was taken out, and how much I needed to pay to settle or pay off the loan. In addition they stated that if I was not to pay the loan by XXXX  the next day they would take out warrants for my arrest due to breach of contract, and fraud. They then proceeded to forward an e-mail to my mother with a document attached for a settlement offer to sign stating that it was to me and that they had a conversation with me related to settling the loan.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2022 i purchased a XXXX XXXX from XXXX XXXX in XXXX, Fl ( XXXX XXXX ). After leaving the store my XXXX and family stated looking at the watch. And we felt that this watch was not new or a real XXXX. We went back into the store to return the watch. This was about 45 minutes from the time we purchased the watch. The behind the counter told use that she can't return it we have to talk to the owner and he left for the day and come XXXX Monday. we don't leave in XXXX we live in XXXX fl. 
The women took the bag and all the paperwork and went into the back room. She came out and told use we can have a store credit. At this time i didn't want to deal with this store. I call Citi bank ( Costco Card ) and the told me to cancel the card and then me a new card and started a dispute. 
I have filled a dispute twice with Visa Citi card. I don't have a invoice or sales contract because the women took it. I return the watch and Im out {$6900.00}. Citi band told me they can't do anymore i have to go to VISA. 
I have called the Vendor 5 or 6 times and he hung up on me and will not give me a copy of my invoice or return policy. I call the Florida Attorney General office and spoke with them. They told me to Contact CFPB to contact Visa. Citi Bank keeps asking for documents and the vendor took them? So i need to see if CFPB can help we settle this dispute.
Complaint sub-issue: Other problem getting your report or credit score

I have been trying to get a copy of my Equifax credit report for the last couple of months. I used to be able to log into my account with them but can no longer do so. 

Today - XX/XX/2020 - I tried again. I downloaded their XXXX and XXXX smartphone app and tried logging in. I received an error message saying that I wasn't able to get to their servers, so I called their Cust Svc # and spoke to a person there. 

She asked me if I had already set up a XXXX and XXXX  account and I told her that I thought I had but would go through that setup process again to ensure I did. This was after I hung up with her. 

When I tried setting up the acct, the system said that the email was already in use and to sign in instead of setting up. I tried that, but got another error msg that said to call cust Svc, which I did again. 

This 2nd time I was able to speak to someone who after validating me, sent me a link to reset my password which I used and changed my password. I received an email verifying that my password had been changed, so I tried to log in using that new password. I received another error msg saying to call Cust Service again. 

The 3rd time I called, I was asked to validate my identity which I did, however they asked me for info regarding a bank loan, date of and amount of the loan. I told the man that I do not have an outstanding bank loan but only two credit cards that I am paying on that are open. He wouldn't validate me. He then said that I needed to send them some documentation that will take 7-10 business days to resolve. 

I told him that I am trying to refi my mortgage with a lender and don't have the time to wait to get into my credit file which is frozen to prevent identity theft. 

That didn't matter. 

I believe that the verification process needs to be reviewed and consideration given to use other account identity validation methods to prevent someone like me from being prevented from getting my own information that Equifax is holding. 

I would like help to resolve this, please.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I see three hard credit inquiries on my equifax report that I absolutely did not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

MRS BPO LLC has violated my right protected by the FDCPA with multiple violations. 
i sent my dispute letter thru certified mail tracking # XXXX. Requesting debt validation. I have not received any return mail from MRS BPO LLC within 5 business days of receiving my dispute to acknowledge that they have my request and are investigating the issue and or any documents to verify the debt according to 15 U.S.C 1692g ( a ) " contents of debt '' they have failed to do so and is grounds for removal. Also they violated 15 U.S.C 1692g ( b ) '' disputed debts '' for they have furnished the account to XXXX and XXXX without the debt being verified and validated. they also violated my rights 15 U.S.C 1692 b ( 3 ) for they reported it to XXXX and XXXX 15 U.S.C1692 b ( 5 ) on the content of mail they sent me furthermore the account information being furnished on my credit report has inaccurate dates open, high credit this is also grounds for removal
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hard inquiries was discovered on my account Credco XXXX XXXX XXXX XXXX USA XX/XX/22
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX I checked my credit scores via XXXX XXXX. It showed a 52 point drop from XXXX to XXXX. The message on the site was that a note was reported by XXXX that I have an account in collections. I do not have any accounts in collections. This is the second credit reporting bureau I have had to dispute recently added derogatory notes to my report which are not accurate. These so called notes are causing my score to drop and at this time I will be closing on a house in XXXX and I need my score to reflect what if actually is .I called XXXX and I was on the phone for an hour for them to tell me that it seemed like identity fraud where it was false reporting on their part. Equifax needs to check facts before they put derogatory notes that are not valid on credit reports.
Complaint sub-issue: Information belongs to someone else

I went on-line to check my credit score. The XXXX XXXX report showed that I had a delinquent report. Further investigation on my part showed that a company called XXXX XXXX reported me to the credit agency for non-payment of a cable service account in XXXX. ( I live in XXXXXXXX, and never lived in XXXX ). 
I never ordered cable service in XXXX. I never received any communication from XXXXXXXX XXXX : no e-mail messages, no phone calls and no written correspondence. 
XXXX XXXX forwarded this account to collections with IC Systems Collections, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. I tried calling them and could not get any information about this issue. I have never received any letters, phone calls or e-mail messages from this collection agency. 
I tried calling XXXX XXXX, and they refused to talk to me, but interestingly DID say that they couldn't find an account with my name or address. I filed a dispute with XXXX XXXX, and was finally notified that XXXX XXXX verified that their original report was accurate. 
I then called XXXX XXXX, again, and filled out an " identity theft packet. '' This was sent back to XXXX XXXX at the beginning of XXXX. I have not heard anything at all from XXXX since that time. 
This delinquent account is not mine, and I never authorized anyone to open an account in my name
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

XXXX signed up with XXXX XXXX changed mind on using they're services and spoke to loan company which informed me to notify school. Sent email and spoke to XXXX XXXX my program advisor. Never received bill or seen anything on credit stating that I owed assumed everything was handled as needed. Five years later receive a summons from lawyer XXXX XXXX XXXX of XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX representing MSW LLC on XX/XX/XXXX. My paper work shows that XXXX XXXX sold loan to XXXX XXXX on XX/XX/XXXX then XXXX sold loan to XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX file Chapter XXXX on XX/XX/XXXX per XXXX  and is no longer in business. XXXX  Attorney General also filed a suit against XXXX XXXX. Statue of limitations has ran out in XXXX  where debt was establish. My work, job etc. are all affiliated with XXXX but MSW LLC has filed in XXXX haven't lived there over 12 years. I have seek legal advise to have case dismissed due to lack of jurisdiction but the lawyer has been trying to submit debt without having me appear in court. Last document was sent to me by lawyer on XX/XX/XXXX stated order for judgement. Upon consideration of the Plaintiff 's Motion for Judgement, together with good cause shown and upon the failure of the defendant to properly answer Plaintiff 's Interrogatories in this proceeding, it is therefore, this __ day of XXXX XXXX, by the District Court for XXXX County ordered, that the Plaintiff 's motion for judgement be and is hereby Granted and it is further ordered that judgment be and is herby entered in favor of the Plaintiff and against defendant in the principal amount of XXXX, plus pre-judgment interest in the amount of XXXX plus court costs and post-judgement interest at the legal rate. No signature of Judge on bottom or dates in space. Court date XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Deposits and withdrawals

IM trying to set up an invoice system with XXXX XXXX and I need them to have access to accept payments and then transfer those payments to my PNC account. Can you please authorize XXXX XXXX to doing those transfers