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

This item was previously disputed thru credit karma and removed. Now it is with another collection agency and I never heard of them nor did they send me notification of the placement prior to reporting to my credit report. Proper notification must be made prior to placing on my CB info. I request for this to be deleted due to failure to notify me. I dispute this debt being listed. Per the fair credit reporting act, I must be notified of the account prior to placement and also if I request validation it must be sent. Remove this item from my CB.
Complaint sub-issue: Debt is not yours

I have disputed this account at the credit bureaus several times over the last 6 months for them to verify this account and show me proof of my signature and that this is a valid account. I do not even know what this account is. I have also sent out 2 certified letters directly to Jefferson capital over that last 6 months to verify my responsibility and send proof this is my account and that they have the right to collect on it, They have not responded to any of my request and are in violation of the FCRA as well the FDCPA. This has caused me issues obtaining credit and is incorrectly affecting my credit and my ability to obtain a job.
Complaint sub-issue: Information belongs to someone else

Someone applied for a vehicle in my name and now it is reflecting on my credit report and this is not my account
Complaint sub-issue: Account information incorrect

This is directed at XXXX XXXX, Senior Resolution Specialist for Nelnet Student Loan Servicer. This complaint is in reference to the Fair Credit Reporting Act on what was reported to XXXX which was actually reported but the reported amount was {$47.00} not the {$50.00} I paid on XX/XX/18. Please go to my history that shows how much was paid. Now as to XXXX  and XXXX after all my phone calls because you wouldn't believe that your company didn't report my payment to these credit bureaus. As of XX/XX/18 XXXX and XXXX  were finally able to verify to me that Nelnet finally fixed my issue. But now there's another problem. On all three of my credit bureau reports, one of your employees reported I paid {$47.00} not the {$50.00}. Where's my {$3.00} and why would an employee report {$47.00} and not the {$50.00} I paid? Did Nelnet think I would't find out? Now I have to wonder about the accuracy of your  Website on the Principal and Interest. Now I have to contact the Department of Education for a third time because of the incompetence of your company. On my account, it is still showing that payments are being processed that went through my checking account days ago. The two separate payments that I made on the morning of XX/XX/18 are not showing up under the payment history. These payments were made way before your cut off time.I want this taken care of immediately {$50.00} reported to all three credit bureaus. I can't wait till Nelnet reports my payments in XX/XX/2018, it ought to be interesting. You as a loan servicer, especially for the Department of Education, should have people competent enough to input the right amount somebody has paid on their student loan for the month. Your screwing with my credit reports and I won't put up with it. Because of Nelnet 's constant mistakes and a Senior Resolution Specialist won't believe what your telling him and won't even check into the issue, I have had to put the credit bureaus into my contacts on my phone and the Department of Education because of Nelnet. You as a Senior Resolution Specialist did not do your job. I don't care if you are upset with me or don't like what I've said about Nelnet because it's true. It's not my problem, it's yours! On Monday XX/XX/18, I will be checking with all the credit bureaus to make sure the amount has changed. The scary thing is that this probably happens everyday to people who pay their loans. I'm sure we'll have further written communication in the future.
Complaint sub-issue: Their investigation did not fix an error on your report

I over paid my Macy 's payment due in XXXX. Therefore, I should not have had a payment for XX/XX/2022. They reported me as delinquent and as missing a payment. I have paid the account off on XXXX XX/XX/2022 of XXXX. 

They are reporting me inaccurately and refused to change the account. I have filed multiple complaints with XXXX, XXXX and XXXX. I also contacted Macy/s regarding the missed payment. 

I told them I overpaid for XXXX and I should not have had a payment for XX/XX/2022. They reported me as missing a payment. 

The account has been paid in Full for XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX  account # XXXX, and XXXX XXXX XXXX account # XXXX have 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: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX UNIVERSITY XXXX XXXX XXXX ( Original Creditor : ) XXXX
Complaint sub-issue: Debt was paid

I started receiving calls from ERC collection company about a enormous phone bill from XXXX for a period in which I did not live in the country. Besides many attempts of explaining the situation ERC posted a collection on my credit report resulting in my scores being lowered and bad credit history. Inorder to settle this matter amicably I agreed to pay ERC a negotiated payment so that they remove the unjustified report from my credit history. They collected payment from me however they now refuse any form of communication and my credit score has been below good which is effecting my decision.
Complaint sub-issue: Reporting company used your report improperly

I have inquired with Equifax and XXXX to remove : US BKPT CT GA XXXX from my report. This item is causing my livelihood to be interrupted and I can move forward. Under the 15 U.S.C 1681 section 602A, states I have the right to privacy. 15 U.S.C 1681 Section 2 ; also states a consumer reporting agency can not furnish an account without my written instructions. Please remove this item so that I can apply for jobs and purchase needed resources to better my living situation.
Complaint sub-issue: Was not notified of investigation status or results

Today is XX/XX/2021, and I have been disputing with XXXX, Equifax, and XXXX  about the negative accounts on my report since XX/XX/2021. Some of these accounts are not mine, some are reporting incorrect information, and some are refreshing the dates in order to stay reporting longer. I mailed my first dispute letter to all three credit bureaus on XX/XX/2021, asking them to investigate this incorrect and negative information. I have done my research and that I know my rights as a consumer. Even with Covid-19, the bureaus still have 30 days to respond to my free disputes. I know there might be a delay in the process and their responses, so I tried to give them the benefit of the doubt. It is now XX/XX/2021, and there are numerous accounts still reporting incorrectly on my credit reports. I even sent some of my letters through certified mail because I needed to make sure they were getting them. These are the tracking numbers from XX/XX/2021 ( Equifax - # XXXX XXXX XXXX XXXX XXXX / XXXX  - # XXXX XXXX XXXX XXXX XXXX / XXXX  - # XXXX XXXX XXXX XXXX XXXX ). These are the tracking numbers from XX/XX/2021 ( Equifax - # XXXX XXXX XXXX XXXX XXXX / XXXX  - # XXXX XXXX XXXX XXXX XXXX / XXXX  - # XXXX XXXX XXXX XXXX XXXX ). I have been sending in disputes month after month without receiving a response and/or validation as to why the accounts and information remain on my reports. This is unacceptable because this is very harmful to my way of life. This information is available to anyone who would need to pull my credit - housing, employment, etc.
Complaint sub-issue: Was not notified of investigation status or results

I want you to know that I have been mailing out letters to the credit bureaus about inaccurate information I found on my credit report. 60 days have passed and they have not responded to my letters. This is getting really frustrating. Section 611 ( a ), clearly indicated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. If so, why are those inaccurate data still hanging aroung my credit report when they should have already been deleted as stated above. I can't tell you how stressful this has been to me and I urge you to PLEASE assist me and resolve this once and for all. Thank you
Complaint sub-issue: Didn't receive enough information to verify debt

My account has been incorrectly billed against me and I have attempted to get this resolved. The matter was outsourced to XXXX XXXX XXXX  and advise them of the issue and trying to resolve this matter. The amount being billed was incorrect and should have been corrected. I am herby asking for correction to this matter due to the Fair Credit Reporting Act. They are attempting to steal from me by overcharging for the amount. XXXX XXXX XXXX was going to work this out and RC Willey has just requested the files back. The unethical behavior from them has caused problems as I will not agree to pay more for what I owe. When I spoke to the debt collector they advised me that they were working on a amount of XXXX and that I should get correspondence back. 
I have callled RC Willey and now they are demanding more. I herby challenge and request that all charges and payments be provided along with the merchant to stop harassing me with improper amounts being requested. 
The XXXX was pending a letter to be sent and now RC willey wants to change what was going to resolve this matter.
Complaint sub-issue: Information belongs to someone else

The information on my Equifax credit report is mixed with someone else. There is fraudulent information included in my account, accounts that I have never opened, companies that I have never done business with, and apartments in other states that I have never lived in. I'm unable to log in to Equifax since the challenge information does not match any of my previous events.
Complaint sub-issue: Information belongs to someone else

This is XXXX XXXX, who is submitting this CFPB complaint myself. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my report : ( XXXX XXXX XXXX, XXXX CARD XXXX, XXXX CARD XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX )
Complaint sub-issue: Debt is not mine

ENHANCHED RECOVERY CORPORATION XXXX SOLD ACCOCT TO THESE PEOPLE FOR CELL PHONE BILL I NEVER HAD XXXX I WAS A VICTIM OF IDENTITY THEFT IN 2011 THIS BILL IS FOR XXXX DOLLARS PLEASE HELP TAKE THIS OFF CREDIT REPORT
Complaint sub-issue: Debt is not yours

My apartment experienced toxic mold following an air handler replacement. While the company acknowledged it they expected me to pay for remediation. They never did remediation but a deep cleaning. The mold came back. I developed serious health issues ( XXXX, XXXX XXXX, XXXX, XXXX  ) and after a back and forth with them and their attorney I broke my lease and moved. They sent a 'bill ' to Hunter Warfield Collections saying the damage to my apartment was from nicotine and charged me 7k in fees!! I requested a debt validation from Hunter Warfield in XX/XX/2019 with what I am entitled to by law and if they did not provide this they had to delete my account and remove from credit reporting. I did not receive anything from Hunter Warfield. All other letters and emails have been ignored except for them sending a 'bill ' now and then. 
This is illegal!!! I will attach emails and files. I hope you will read them. I also have pictures of my XXXX XXXX caused by this mold. The file is over the limit and I can provide to you upon request.
Complaint sub-issue: Account information incorrect

XXXX XXXX reported that I had a delinquent loan never paid and which was in arrears to all credit agencies for a loan I NEVER APPLIED FOR and which THEY DENIED to begin with. I called XXXX XXXX and was told th at I would have to FILE A COMPLAINT IN WRITING which could take up to 90-days to investigate! Further, they have no process by which to submit follow up evidence of their XXXX XXXX. I also filed a dispute with all the credit reporting agencies who also have no process by which to submit follow up evidence of XXXX XXXX XXXX fraudulent entry. Also they closed my dispute without any actual investigation or call to me for follow up information.
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Complaint sub-issue: Investigation took more than 30 days

These companies failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. Under Section 611 ( 5 ) ( A ) of the FCRA, - you are required to promptly delete all information which can not be verified ''. Please remove it from my credit report. They have had 90 days, which I have given you more than enough time and 3 dispute letters were sent to resolve this and you have failed. Now it is time to DELETE the accounts per the FCRA
Complaint sub-issue: Their investigation did not fix an error on your report

I have XXXX for credit protection and monitoring from a government data breach. The problem is with EQUIFAX. XXXX has filed with them 3 times, and I called and filed and they continue to keep a fraudlent report and inquiries on my credit report ... and all this is after i filed a policy report and all other credit correction measures. Note : Both other credit agencies have removed them and the company that originally filed the report investigated and removed the claim as well. EQUIFAX is broken. Should not be a credit agency .... 

Inquiries : XXXX XXXX XXXX XXXX Account : XXXX Opened XX/XX/2019 Balance {$1000.00}
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

XXXX XXXX Credit Card decreased my credit card credit limit from {$1000.00} to {$300.00} I had nearly paid the credit card balance leaving a {$200.00} balance on my account. when I check my credit report they decreased the account without my knowledge Damaging my credit ratio which means to the credit reports I owe 80 % of the credit card balance. this damaged my credit report score lowering my credit score even more when I had paid the balance off practically to get my credit score back on track,
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019, I submitted a full package to Equifax stating that I was a victim of Identity Fraud. At which time, I received a response dated XX/XX/2019 that the disputes were reviewed and the items have been removed from my report. XX/XX/2019 I received an alert from XXXX XXXX showing that the items had been placed back onto my credit report. At which time I contacted Equifax Customer Service and was told three different responses, 1 rep stated that the items will be removed and once deleted they do not get placed back onto the report. 2nd rep stated to wait for the reinvestigation that I did NOT authorize to be completed and call back. 3rd rep stated that they were informed by the creditors that the items belonged to me. All within a 3 week period of XX/XX/XXXX, through XX/XX/2019. I am requesting for Equifax to fix the errors of the items showing on my report as per the completed investigation dated on XX/XX/2019.
Complaint sub-issue: Problem with fees

Originally opened the account in XX/XX/2016. Paid on time for two years, paid balance in full. Never used card again. Now it shows a balance of over 3,000.. Best Buy has recognized the fraudulent activity, sent me a letter a year after the fraud. Interest and charges added up to the amount now. I received a letter from a lawyer saying they have sued. I am having trouble getting Citi bank to accept information from best buy the store. I am unsure what steps to pursue at this time.
Complaint sub-issue: Account information incorrect

I would like to file a complaint about my student loans accounts. The credit bureaus make it so hard to check your score if you can't. I was in school until early XXXX and was never given my diploma nor did I receive work. 

I have not worked since XX/XX/XXXX because of a couple XXXX I've been suffering from since XXXX. I am trying to get my student loan account current and even though it is now in forbearance, I feel the late fees that occurred ever since I finished school with XXXX university in early XXXX, are seriously hurting my credit score and are preventing me from going forward. It was brought to my attention recently that my credit account claims that I am responsible for 241 late  payments which is impossible as I believe I was current as of early XXXX.
Complaint sub-issue: Debt is not yours

I discovered a negative statement on my XXXX credit report from the following company : IC System Inc. 
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MN XXXX The statement references a supposed debt of {$350.00}, owed to a company called XXXX XXXX. I have advised both XXXX   and IC System Inc. on multiple occasions that I dispute the referenced account in its entirety. I have never heard of XXXX XXXX, and I have never used their services. 

On XXXX XX/XX/2018, I submitted correspondence to IC System demanding that they provide me with documentation supporting their claim. To date, they have failed to comply with that demand. XXXX 's response to previous disputes has been that, based on their investigation, the information provided by IC System would remain on my report. I can only conclude that their investigation consisted solely of asking IC System if the claim was valid, and accepting their positive response ( with no supporting evidence to prove its validity ) as truth. 

Because of IC System Inc. 's inability to support this claim, or their failure to do so in a timely manner, it is their responsibility to remove their derogatory comment from my XXXX credit report. Im not interested in the posting of a statement that the claim is in dispute. I want the claim completely deleted from my record.
Complaint sub-issue: Problem using a debit or ATM card

I have several closed accounts at Key Bank. On XX/XX/XXXX, a refund from XXXX was sent to be credited to my debit card since it was the original payment method. I waited for months for it to be rejected by the bank and returned to XXXX so they could refund me in a different method. I thought the problem was on XXXX, because surely the bank didn't accept the funds to a closed card/closed account. In XXXX, after XXXX assured me they had not gotten the funds back, I called the bank. After researching for a while, the representative told me that the credit had come on XX/XX/XXXX and was not rejected by the bank and had been held for 4 months. How can a bank hold someone else 's money without so much as a phone call? She said that she had to submit a request ( I believe to the Returns Department or something similar ) for a cashiers check to be mailed and that it would be processed within 2 business days. Over a week went by and I called back. Another representative saw the notes about the request and told me that it should have been 10 business days and to wait a couple more days. It's been over a month and I haven't received the check. I called today and spoke to 2 different customer service representatives who said there is no record of the transaction, no record of a request to send me a check, and they could only find one closed account in my name. I was on the phone for over an hour with employees who literally didn't believe me and wouldn't get assistance from anyone else to help me. I have moved and there is not a local branch for me to visit. I am still looking for a refund of {$230.00}. At a time when most banks are stepping up, Key Bank is proving that their processes are unfair, deceptive and abusive.
Complaint sub-issue: Debt was paid

The company Americollect is trying to collect a debt on behalf of XXXX XXXX XXXX. The debt has been paid to XXXX XXXX XXXX. I sent XXXX, XXXX, XXXX the bill and proof of payment. When I dispute the charges on my credit report, within 12 hour they send a message back saying " we have investigated and the results found are accurate ''. Americollect has the incorrect balance and it is paid, Americollct is upset because the bill was paid to XXXX XXXX, and they are not willing to accept that I paid XXXX XXXX XXXX before the collection was placed. Americollect is stating a price of XXXX ( that is their own inflated price ) and the bill is XXXX and the bill payment is complete.
Complaint sub-issue: Debt was result of identity theft

sent me all the statements and said it was a valid loan and i owe it never even got a bill from them till they sued me i asked them for loan validation never had a credit card in my life