Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: You never received your bill or did not know a payment was due

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2018, XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint sub-issue: Account status incorrect

Made a payment of {$110.00} to XXXX XXXX  for my XXXX card account on XX/XX/2019 on their automated system. Their system stores two bank accounts with the same bank ( XXXX ) that I usually use to make payments. The payment was sent to the wrong account and the bank returned the payment on the XX/XX/XXXX. and I was reported that I missed my payment to the credit bureau. I had adequate funds of {$18000.00} during this period in the account that the payment was supposed to be withdrawn from.
Complaint sub-issue: Investigation took more than 30 days

i have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigations results
Complaint sub-issue: Investigation took more than 30 days

It has been past 30 days sine I have sent a letter to the credit bureaus regarding inaccurate and unknown things on my credit report. They didnt do anything about it until now, I can see those things on my credit report. Please let me know of whats going on. Thanks
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

We were with XXXX XXXX for Auto Insurance when I was involved in an accident XXXX. About a block from our home, a pizza delivery driver backed out of a neighbor 's yard ( not driveway ) as I was driving ( with a passenger ) by on the way home. I did not see them until just as we collided. I did everything to avoid the collision and ended up stopping my car on the left shoulder of the street after collision. The Deputy gave the pizza lady a ticket and said it was plainly her fault. My Friend that was riding in my car confirmed the fault was strictly the pizza driver, of which she moved her car trying to change the situation. When XXXX XXXX was allowing the fault to be a small part on my responsibility, we vehemently disputed it and changed insurance companies to XXXX, who gave us a better rate. We had been with XXXX XXXX since XXXX! 
Now XXXX has raised their rates to XXXX XXXXXXXX for my XXXX XXXX and my XXXX 's XXXX XXXX, which is ridiculous! We want to change to XXXX, since my Husband is a Veteran, however have been told Lexis Nexis shows me partially being at fault for that accident in XXXX and a XXXX incident which was me getting my windshield replaced after having a XXXX XXXX it as I was driving home in a rain storm. We were not aware the windshield replacement was held against us, of which it is not supposed to be. 
I called Lexis Nexis several weeks ago and left a message for a returned call, as instructed by XXXX. They never called me back, however 2 weeks later, I received a letter with information on how to request the report on line, of which I did. Now it will take several weeks to receive the report so we can dispute this. In the meantime, I am still paying XXXX XXXXXXXX to XXXX which is very much a burden since we are living on Social Security income. 
How can XXXX XXXX list me at being partial fault when the facts proved otherwise? How does replacing my windshield also go against my record? In XXXX, a deductible isn't ever charged when replacing a windshield. We both have safe driving records and I have only had one speeding ticket in my whole life, of which I am XXXX XXXX XXXX! What is our recourse? 
Any assistance would very much be appreciated. 
Thank you so much. 
XXXX XXXX XXXX
Complaint sub-issue: Trouble using the card to spend money in a store or online

I have a us bank reliacard  which I recieve my child support on. My card is being declined over and over and i have spent several hours a day between XX/XX/XXXX and now on hold with customer service. Each time after hours of waiting the call is disconnected. I have been unable to log into my online account and after trying several times to get in I gave up. The customer service had sent me several links over a year ago that were supposed to help me set a new password but that was unsuccessful. I have {$210.00} on my card that I can not access and need. 
I also tried calling and going to My local US bank but they told me they cant do anything and to call reliacard customer service.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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. 

XXXX. XXXX XXXX Account number # XXXX XXXX. XXXX XXXXXXXX Account number # XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX XXXX. XXXX 's Account number XXXX XXXX. XXXX XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account number XXXX
Complaint sub-issue: Personal information incorrect

On XX/XX/XXXX2020 an account was opened and I was approved for a line of credit. XX/XX/XXXX I order a cease and desist and a letter to verify who is the original creditor, but I received no response. I also sent an sent an invoice with federal law violations that Best Buy violated and never received a response. Also my card is froze and unauthorized information has been added to my credit report. 15 U.S.C. 1681b ( 2 ) states that consumer reporting agencies shall not report any information unless the consumer gives written instruction to do so. I haven't given any written consent to report anything positive or negative on my consumer report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/21 I reached out regarding inaccurate and unknown things on my credit report. To this day over 60days later The following Company ran multiple unrecognizable inquires. I need these removed. I will not wait another 60 days to receive no response because clearly im being ignored. I do not recall the following or giving authorization : Company : XXXX Dates : XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 XX/XX/21 Section 611 ( a ), it is plainly stated that failure to investigate these items within 30days gives a immediate removal.

My information was also impacted by the equifax data breach and may have got into the wrong hands.
Complaint sub-issue: Collected or attempted to collect exempt funds

Equifax keeps reporting an XXXX XXXX  open collection on an account that should be closed to exempt funds i want them to remove the consumer statement they wrote and replace it with my new consumer statement : this is a XXXX XXXX XXXX  account which is exempt from debt collection this account is illegally being reported as an open collection under the law they must write my statement as is or delete the trade line
Complaint sub-issue: Information belongs to someone else

Please remove the charge off status on the accounts listed here.. THe accounts were never a charge off, I paid them on time and were satisfied as agreed. I disputed the accounts with Equifax but they did not help me..This is a clear violation of the FCRA and I have an attorney in place ready to move forward with legal actions
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted proof from the bankruptcy court that they did not provide the information to the credit bureaus. I have submitted this information for 6 months and not getting any results.
Complaint sub-issue: Information belongs to someone else

To Whom it may concern I have sent Multiple Inquiry removal letter on XX/XX/2017 and XX/XX/2017 via Certified mail to Equifax, XXXX and XXXX. The request I submitted included information on 45 inquiries ( XXXX ) 49 ( XXXX ) and 25 ( Equifax ) Inquiries that were all not factual and I received the same response for all inquiries which was 'Inquiries are a factual record of file access. If you believe this was unauthorized please contact the creditor ''. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and must be investigated and if you do not investigated and respond the CRA must delete the disputed information from its file. I also disputed accounts that are unverified and inaccurate but are still being reported to my file. I plan on purchasing a home in the near future and I fell the actions that are being taken regarding my disputes are an unfair practice by a credit reporting agency for the credit worthiness of a consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

I have attached a report from lexisnexis what you will see, Also what I will prove are two facts 1. they have my address listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX . I have attached a copy of my licence showing my correct address XXXX XXXX XXXX XXXX XXXX NY. Moreover I have never resided at XXXX XXXX XXXX XXXX XXXX as listed on their report. 2. Also take a look at their report it has a licence listed as NJ. I have a New York licence. I have attached a copy of my license as said proof. As you can see with their report attached they have incorrect also misleading information they have been providing insurance companies. How is this legal they are a fraud. As a result of lexisnexis false reporting I have suffered higher insurance rates. This has to stop immediately. I have enclosed the facts please review have them corrected immediately.
Complaint sub-issue: Information belongs to someone else

I have contacted all three Credit Bureaus/Agencies XXXX XXXX Equifax, XXXX XXXX and the Creditors ( XXXX XXXX  XXXX XXXX  XXXX XXXX At XXXX XXXX, XXXX XXXX XXXX ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Complaint sub-issue: Can't decrease my monthly payments

I contacted FedLoan Servicing via their " Contact Us '' email on XXXX to inquire about the status of my income driven repayment request and informing them that I ca n't afford the standard repayment. I received an automated response acknowledging receipt of my request, but no answer. I also completed all of the income-driven repayment ( REPAYE ) info via studentloans.gov on XXXX and have yet to see my payment change. I contacted them again yesterday via email and received another canned response without having any of my questions/concerned addressed. I expect that any delinquency reporting will be cleared up with my credit bureaus and that someone will reply to me to update me on the status of this request. Please reply so I can resume repayment at an appropriate payment level. I have documentation of all of these requests.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

A couple months ago I disputed a charge against a merchant for charging my Citi credit card when they already charged another card they had on file for me. I showed my statement with my other bank as proof to Citi and they kept ignoring, and just rebilled me for the transaction ... As mentioned to them previously, I already paid for this with my other bank and I am NOT paying for it again!!!
Complaint sub-issue: Information is missing that should be on the report

Today is the last straw!!!!!! Today like I been doing for the last XXXX months called in to ask Equifax why are they not updating my information. I have spoken to XXXX XXXX on XX/XX/XXXX they told me they last reported on XX/XX/XXXX stating I have a XXXX XXXX  for a credit card limit of XXXX it has been that way since the card was paid off XX/XX/XXXX. The answer from equifax is send in a dispute every time I send in a dispute The dispute says resolved. When I call XXXX XXXXXXXX they say they have resolved the issue because on their end they are accurately reporting the information every month which is I do not owe. 
In return equifax startes well you have multiple account. When asking why do I have multiple accounts equifax replies we can not update your birthday we have a team that updates information and the logged it in wrong. We have to put in a ticket and it will take XXXX XXXX from today to be resolved from XX/XX/XXXX the lady also asked to put in another dispute I said no because you guys are not updating the information is it possible to speak to a manger rep hung up in my face and switched me to the survey after I had been on the phone for 1 almost 2. This is ridiculous I want my credit to report accurately on equifax like it is doing with my other credit agencies
Complaint sub-issue: Account information incorrect

The mortgage account with XXXX XXXX was PAID IN FULL on XX/XX/2022. Equifax and/or XXXX XXXX continue to report FRAUDULENT information. XXXX XXXX continues to report an open account with a $ XXXX balance and 90 days late. Equifax REFUSES to confirm the correct information. XXXX has gathered the current information and updated its records accordingly. PLEASE ENSURE THAT EQUIFAX and XXXXXXXX XXXX  do the same!!! Equifax is behaving negligently in that they are not confirming correct updated information. A copy of the PAID IN FULL document received from XXXXXXXX XXXX has previously been provided.
Complaint sub-issue: Information belongs to someone else

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$49.00}
Complaint sub-issue: Information belongs to someone else

am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible as it is hindering my abilities as I'm trying to advance in my life by getting a house to provide for me and my kids.
Complaint sub-issue: Attempted to collect wrong amount

The amount is crazy. Plz make it manageable. And your company said no actions tooking just to get off property.
Complaint sub-issue: Banking errors

Registered for " pave the wage '' promotion with MoneyLion and XXXX XXXX XXXX. Met all requirements ie opted in, deposits, direct deposits from employer, and all other requirements. {$590.00} is due for this promotion. Money has not yet been deposited into my account.
Complaint sub-issue: Problem with fees

I am fully aware that XXXX should have looked into this much earlier, but I have been trying to pay down my Citicard account for sometime now and it doesnt seem to go down. I usually look at the balance online, then pay what I can each month. I happened to look at my account and noticed a XXXX fee and a credit protector fee has been being applied each monththe XXXX is almost XXXX per month!! I know for a fact when I opened this card in XXXX I was in college and had little money, but I had it as a backup. I called Citicards today, and they apologized for saying they could reverse a few of the credit protector fees, but that I had to call a different number for XXXX and that they would most likely be able to waive some fees. I called the number, and they said I have been paying on it since XXXX!!! They canceled my account but that was it. I am sure I wouldnt have signed up for anything additional back then, so I am confused how I was auto enrolled. After looking up this company, I see that there have been several people duped over the years by this. I am not expecting a full refund, but I feel they need to do better than just cancel my account. Thats A LOT of money to be forking out over the years, and Ive been a loyal customer since XXXX!. I feel frustrated and taken advantage of. Thank you for your time in looking into this matter, I sincerely appreciate it!
Complaint sub-issue: Information belongs to someone else

Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Complaint sub-issue: Reporting company used your report improperly

I read about the Equifax Data Breach on XX/XX/2017. 
I checked my info with the equifax breach site to see if i was impacted ( I " may have been. " ). 
I followed steps outlined at ftc.gov to contact the reporting agencies and put a fraud alert on my file, which should require anyone initiating a new line of credit to call me before doing so. 
I followed the instructions to get my free annual credit reports to review and ensure nothing out of the ordinary ( nothing yet ).
Complaint sub-issue: Their investigation did not fix an error on your report

According to Section 392.101 of the Texas Finance Code prohibits a third-party debt collectors or credit bureaus unless the third-party debt collection or credit bureau has obtained a surety bond & filed a copy of the bond with the Office of the Secretary of State. XXXX XXXXis illegally trying to collect debt from me & has illegally reported an alleged debt to all three credit bureaus. SUBCHAPTER B. SURETY BOND Sec. 392.101. BOND REQUIREMENT. ( a ) A third-party debt collector or credit  bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state. ( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in the amount of {$10000.00}. Acts XX/XX/XXXX, 75th Leg., ch. 1008, Sec. 1, eff. XX/XX/XXXX. Sec. 392.102. CLAIM AGAINST BOND. A person who claims against a bond for a violation of this chapter may maintain an action against the third-party debt collector or credit bureau and against the surety. The aggregate liability of the surety to all persons damaged by a violation of this chapter may not exceed the amount of the bond. Acts XX/XX/XXXX, 75th Leg., ch. 1008, Sec. 1, eff. XX/XX/XXXX.
Complaint sub-issue: Account information incorrect

In XX/XX/XXXX, my 1st and 2nd mortgages were held by XXXX. After trying to proceed with loan modifications for both loans, I was not given any resolution. Instead, both loans were sold off instead of responding to my request. The 1st mortgage went to XXXX XXXX XXXX and the 2nd loan went to XXXX XXXX which is now XXXX. This 2nd is listed as a charge-off with all three credit bureaus, however, the dates vary as to when the loan was placed in default. The total current amount due is {$56000.00}. My credit reports shows the last payment made on the 2nd was XX/XX/XXXX. Yet each credit bureau shows differing dates of either XX/XX/XXXX or XX/XX/XXXX. I have tried to dispute this 2nd loan with all three credit bureaus and it has worked against me. I have proof of the documentation and it states the statute of limitations has passed ( 4 years in California ). I am upset at the fact that XXXX sold this loan off instead of making arrangements with me to modify. Now, XXXX  keeps changing the dates this loan was purchased and it is reflecting on my credit reports. I would like an investigation done to have the dates updated. I know XXXX XXXX/XXXX had a case against them due to this very issue.
Complaint sub-issue: Information belongs to someone else

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Complaint sub-issue: Information is missing that should be on the report

I reported a case of fraud on my XXXXXXXX XXXX  credit card to CFPB, XXXX # XXXX. Though CFPB 's intervention resulted in a XXXX XXXX investigation, and a promise to reverse the charges, I now learn that my credit rating has been downgraded by XXXX points. This incident was reported as a delinquency and the bank never corrected the problem with the credit reporting agencies. XXXX XXXX should have informed the credit bureaus that this was a matter of fraud and ensured that it had no negative impact on my credit rating. 

I have always had excellent credit. This matter took place because of no fault of my own but was entirely due to the lack of adequate security at XXXX XXXX. I have spent many hours on the phone with the bank representatives, and in written correspondence exchanges to get this situation resolved. And now, as you can see from the credit card statement I received yesterday from XXXX XXXX, instead of identifying the problem as fraud, it lists numerous " adjustments '' that are labeled as reverse charges. XXXX XXXX has mishandled this entire matter from the beginning.