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

Based on a factual dispute directly with XXXX XXXX, this account is reporting a 30 day late in XX/XX/2021 when they just verified that the account was late in XX/XX/2021. Within the FCRA guidelines all account information must be reported accurately or it must be removed from the credit report
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2019, at XXXX XXXX, I placed an order for two doors from XXXX XXXX XXXX, Receipt XXXX. Sales person XXXX XXXX On XX/XX/2019, I cancelled the doors after discovering that the order only contained 1 door when I thought I had ordered two doors. I immediately notified XXXX and Elan Financial Services of the charge. They gave me an immediate credit but then applied the amount back to my card 30 days later stating that I had the merchandise. Obviously the salesperson cancelled the doors because they were never sent. Thus, I never received the merchandise and Elan Services for XXXX XXXX XXXX  refuses to give me credit for the {$660.00}.
Complaint sub-issue: Attempted to collect wrong amount

A few years ago I filed a complaint with FCC and fraudulent billing from XXXX XXXX. They were caught XXXX billing my account more then XXXX times. XXXX XXXX closed my account and issued me a refund and refunded all deposits. A XXXX later I started to receive bills from other companies over a {$99.00} charge. This charge was not accurate. I should never have been charged additional months when the account was closed and I was with another company. In addition, if I owned them money, why would n't they deduct the charges from the XXXX dollars that they over billed for. 

I filed complaints and I thought the issue was resolved, until 3 weeks ago. I found the " charge-off '' from XXXX XXXX on my credit report. Today, I was surprised by a letter from Jefferson Capital Systems LLC stating they are taking over my XXXX XXXX account. There is XXXX reference to the amount on the account numbered : XXXX. 

1. I do not owe XXXX XXXX any money because my account was settled in full and I was issued a reimbursement for their XXXX billing. 
2. If this bill has already been listed as a " charge-off '' how can another company take ownership over the account? 
3. I have already had my credit destroyed because I had the mistake of working with XXXX XXXX. They retaliated against me because I filed several complaints. 

XXXX XXXX has violeted my Fair Credit Report Act protection.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX XXXX DBA XXXX XXXX is reporting that a closed account was delinquent two or three times to all three major credit reporting services. This account was never paid late, and was never a delinquent account. I contacted the company by certified mail on 4 separate occasions to inform them of their mistake and request copies of any information or proof of my delinquency on XX/XX/2018, XX/XX/2018, XX/XX/2018, and XX/XX/2018. All requests were met with form letters stating they completed an investigation and found their information was correct. 

At no time has the organization sent any supporting documentation proving this reporting. 

Reporting false information is a Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX inaccurate reporting is damaging my credit report such that it has caused a denial in financing for my home refinance. 

My report dated XX/XX/XXXX reported 14 90 day lates. But then on my report dated XX/XX/XXXX the information changed to 31 90 day lates. As a consumer that checks their credit they trust the information reported to be accurate ; clearly this is not the case. 

This change in reporting caused my scores to drop so low that it disqualified me from the pending loan that I had been pre-approved for. In fact, the difference in reporting is causing a 108 point  difference between XXXX and Equifax. At a minimum I am requesting that this company report to Equifax the way they are reporting to XXXX or XXXX but as I understand it, if what they 're reporting is n't accurate the entire listing of this item should be removed from Equifax allowing my credit score to rise to enable me to obtain my financing without further delay. Attached are print-screens of my XX/XX/XXXX and XX/XX/XXXX credit reports showing the difference in reporting which is causing the Equifax credit score to be retarded by 108 points thus disqualifying me from my home refinance. 

When ordering my FICO scores the only difference between the Equifax score and the XXXX score ( Fico reason codes ) is that Equifax is reporting RECENT delinquency. This item is not a RECENTLY delinquent item ; it has been charged off for many months according to previous credit reports. It appears as if XXXX XXXX is deliberately misreporting this item ( with recent delinquent activity ) on Equifax in order to damage my credit score. 

Several months ago I negotiated with XXXX XXXX and paid off the outstanding balance and as a part of the settlement agreement they agreed to remove the payment history which they did follow through with on my XXXX credit report however they did not on Equifax and you can see the result in my credit score disparity as explained above.
Complaint sub-issue: Problem making or receiving payments

Albert bank offered a new checking account bonus of {$500.00} for completing completing the following actions : * Direct Deposit $ XXXX every 30 days for 90 consecutive days * Spend $ 100+ on goods or services with the debit card every 30 days for 90 consecutive days Albert also offered a {$500.00} bonus for referring others to open an Albert account XXXX up to a maximum payout of {$1500.00}. On XX/XX/2022, Albert confirmed in writing that I had referred 5 people. 

Here is my timeline : * Opened account XX/XX/2022 * Spent {$100.00} on debit card XX/XX/2022 * {$200.00} Direct deposit XX/XX/2022 * {$200.00} Direct deposit XX/XX/2022 * Spent {$100.00} on debit card XX/XX/2022 * {$200.00} Direct deposit XX/XX/2022 * {$200.00} Direct deposit XX/XX/2022 * Spent {$100.00} on debit card XX/XX/2022 * Albert paid me {$500.00} for a referral on XX/XX/2022 * {$200.00} Direct deposit XX/XX/2022 * {$200.00} Direct deposit XX/XX/2022 * Spent {$100.00} on debit card XX/XX/2022 At this point, according to their terms, I should have been paid a {$500.00} bonus for opening the account. Additionally, I should have received my remaining {$1000.00} for referring others to Albert. 

I have reached out to albert inquiring about the remaining bonus money. Albert told me they would look into it, then stopped responding. Additional attempts to inquire about the promised bonus resulted in no response.
Complaint sub-issue: Received bad information about your loan

Within the past 6 weeks, approximately, I have been receiving collection calls from a company called Jefferson Capital. They first told me I had a XXXX student loan in collections, there was a judgement against me, and that my wages would be garnished. I explained to him that 1. I am currently in school and as far as I know, all of my loans are in good standing. 2. I have paid Jefferson Capital a charge off in the past so I think they are targeting me because of that. 3. The first time I actually spoke with a person on the phone, around the XXXX of XXXX, I asked them to please put sometihing in wiritng for me. They claimed that they had. They have not. I was told that they had a judgement and that my wages would be garnished. As I said i am in school and according to XXXX all of my loans are in good standing.
Complaint sub-issue: Account opened as a result of fraud

I received a debt from Synovus Bank for XXXX dollars. A individual opened up a checking account in my name with my personal information. It was for a XXXX debt plus XXXX dollars overdraw fee for a total of XXXX. I contacted Synovus and they closed the account after showing them my drivers license. The information they had was my XXXX  but it also had a email address and phone number that was not mine. The drivers license they had on file had a number wrong and the exp date was wrong I filed a police report on the fraud.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Complaint sub-issue: Reporting company used your report improperly

In accordance to FCRA lexisnexis is breaking the law improperly misuse of credit report account # XXXX XXXX XXXX Bankruptcy Court. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Complaint sub-issue: Personal information incorrect

Please delete the following information permanently off from the Personal Information section : Attached is copy of my valid Pennsylvania drivers license of how my name and address has to appear on my credit file. My name is XXXX XXXX XXXX and address XXXX XXXX XXXX, FL XXXX, XXXX, PA XXXX. Delete the following information permanently : Name XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed an entry on credit report from  XXXX   XXXX . It came back verified even though I uploaded the receipt from the original creditor showing the {$190.00} itemized and paid. I also uploaded a copy of my CC statement to support the receipt. I then requested the method of verification Equifax used, and they have failed to respond even though it has been longer than the 15 days required by law in violation of FC RA 611.  I 've also spoken to the original creditor, including  XXXX  in accounting at the corporate office and  XXXX  at the same office who indicated there was no balance to pay.
Complaint sub-issue: Reporting company used your report improperly

Under the Fair Credit Reporting Act. The list of accounts below has violated my federally-protected consumer rights to privacy and confidentiality under 15 USC 1681 and the HIPPAPrivacy Rules ( Health Insurance Portability and Accountability Act section 45 CRF Parts 160,162, and 164. 
XXXX XXXX XXXX, ( Reported to XXXX ) XXXX XXXX XXXX XXXX ( Reported to XXXX & XXXX ) XXXX XXXX, ( Reported to XXXX & XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( Reported to XXXX ) XXXX XXXX XXXX XXXX these items have violated my rights.

In 15 U.S.C 1681, section 602 A. States that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Need information about your loan balance or loan terms

We didn't aes inform me consolidate my loan through a direct loans so I would be eligible for payment pause and loan forgiveness. The company willfully withheld information.
Complaint sub-issue: Reporting company used your report improperly

I am a natural human being, I am a living being, and also a consumer, which I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. and they have violated my rights numerous times I demand the accounts below to be removed because According to 15 USC 1681 : I have the right to privacy and did not give Equifax permission to furnish this account. 


Account Number # # # # # # # # # # # # # XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Friday, XX/XX/2019 I contacted XXXX and they said the account is too old to for them to collect on the account, make a settlement, or pursue legally and therefore, they unable to take do anything with the account. They said If I make a voluntary payment by mail which will renew the account making it possible for them to pursue collection through the courts. 
2nd call Friday XX/XX/2019 XXXX said the principle balance is {$460.00} ( total balance is {$770.00} ) and therefore not eligible for a XXXX form. They would not let allow me to settle the account. They said the account is past the statute of limitations. 
Monday XX/XX/2019 The operator said that they do not know if a XXXX will be sent to me and that even if it is the charge will not be removed from my credit. I demanded the for or removal and the operator said they do not do removals and if any payment are made it would be voluntary on my part. This would then make the account active and allow them to take me to court. I asked for a supervisor and one was not available.
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

XXXX XXXX accounts with Citibank. 
XXXX Address XXXX Home address XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX I just received the attached letter from Citibank XXXX This shows they disclose my personal data and despite my request, there is nothing I can do about it.
Complaint sub-issue: Reporting company used your report improperly

I do not proclaim to be an attorney or a law student, I just had time on my hands during Covid 19.

As i was on Social media, i came across some users giving Credit Education. I ordered a copy of the Fair Credit Reporting Act " U.S.C 1681 free booklet.

I sent letters for the company to Validate the Debt, which states, I have a right to ask for validation what is being reported on my Credit Report 15 USC 1692a ( 2 ), term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

I also read that it can be a criminal law, but i have not read or self studied that part. 

Please, investigate to see whyinaccurate information is being reorted on my consumer credit report. 

Thank you
Complaint sub-issue: Reporting company used your report improperly

I've contacted the consumer reporting agencies through multiple platforms via mail or telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave the consumer reporting agency any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached. In regards to the accounts listed below, as a consumer Im demanding a deletion of these accounts.

1. XXXX XXXX 2. XXXX XXXX  3. DEPT OF ED/XXXX  4. DEPT OF ED/XXXX  5. XXXX XXXX XXXX 6. XXXX XXXX XXXX, Original creditor : XXXX XXXX XXXX  XXXX XXXX XXXX  These accounts are individual actions, they must be delete immediately.
Complaint sub-issue: Problem with personal statement of dispute

according to my credit report, General Revenue Corporation ( GRC ) has stated on my credit report through the Consumer Financial Protection Bureau, that I settled this debt for a lesser amount. That is not " TRUE ''. This company has engaged in deceptive practices. XXXX XXXX University told me what was due based on my student loan. The bill was paid. see attached. Now GRC wants to put on my credit report that I settled this debt for a lesser amount. 
GRC can not think that reporting misinformation about a consumer credit report, is with the Guide Lines of the Fair Credit Reporting Act. Fair Credit Reporting Act, requires that all information must be accurate. It is my understanding from XXXX XXXX that they have tried to reach out to GRC but no reply. See Attached Lastly, GRC has failed to mention that I responded back to them within their 30-day time frame back in XXXX, letting them know that it was not a valid debt, that they had received. I never heard anything from them.
Complaint sub-issue: Account information incorrect

I never gave written Pursuant to 15 U.S. Code1681 ( a3 ) .Equifax assumed a vital role in evaluating my consumer credit and other information about me. have a right to privacy. Pursuant to 15 U.S. Code 1681 - ( a4 ) Equifax didnt exercise their grave responsibility. Equifax was unfair, impartial and did not respect my consumer right to privacy.

Pursuant to 15 U.S. Code 1681b ( 2 ) I never instructed Equifax to create this report, and I never consented to this report. 
Please remove all accounts from my consumer report permanently. I am aware of the Equifax Credit Breach XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX,
Complaint sub-issue: Their investigation did not fix an error on your report

I tried to pay off my auto loan with XXXX XXXX XXXX they said they would wait until XX/XX/XXXX for my payment because I was paying my car in full I paid said car loan off and now are saying I was 30 days in which I wouldve only been 16 days late late on my payment on the day it was paid in full
Complaint sub-issue: Banking errors

I started the process to file a claim for a fraudulent purchase with my bank, Bank of the West, on XX/XX/2020. The claim regarded concert tickets that I bought online, but I later realized the site was likely illegitimate. The total amount for the tickets were {$910.00}. Working with my bank, I turned in affidavit paperwork on XX/XX/2020 at my local branch. On XX/XX/2020, I received notice of the denial of my claim. Per my interpretation, I was denied because there is " documentation to prove the cardholder is in possession of and/or using the merchandise ''. The bank accepted several pieces of faulty evidence and/or inconclusive evidence to come to this decision. One piece of evidence implied that I had already attended the concert which has not occurred yet. In addition, I still have yet to receive any physical or electronic ticket. I had went to my local branch to appeal this decision based off of the false conclusions they came to. I had also called a customer service phone number that they provided to me. However, I have been repeatedly told that the claim can not be reopened, and they have failed to supply me with sufficient information regarding how I can appeal a decision that was not justly made or thoroughly investigated.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # 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.
Complaint sub-issue: Information belongs to someone else

Innovis refuses to delete information from my innovis credit report that I have indicated to them that was ID theft to wit a XXXX XXXX account I recently went through the dispute process and they sided with XXXXXXXX XXXX stating the information is accurate and will remain I have discussed this with innovis several times informed them that this was ID theft and should be removed and innovis continues to side with the creditor and refuses to remove it from my report.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX, AC # XXXX, DO:XXXX/2016, Amount {$1200.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and is still trying to hold me responsible.
Complaint sub-issue: Trouble with how payments are being handled

After receiving the response to my previous complaint about XXXX XXXX I called Nelnet on XX/XX/XXXX to discuss getting a {$20000.00} refund for payments I made in 2021 when the account was held by XXXX XXXX. I called Nelnet again on XX/XX/XXXX to check the status of my refund and they said it hasn't moved. Nelnet is aware of my payments and it sounds like the account has been transferred to them and they are in control as the transfer is complete. I want confirmation the Treasury department has received my request and my refund request of {$20000.00} will be sent to my house in a timely manner. Details regarding the payments are listed below and I attached screenshots as welll. 

" On XX/XX/2021 I made a {$25000.00} payment towards my student loan balance. This was made before my loans were transferred to Nelnet. Details regarding the payment is listed below : XXXX XX/XX/2021, XXXX XXXX  to XXXX Dear XXXX : We are confirming the student loan payment you scheduled through Account Access. Payment Amount : {$25000.00} Payment Date : XX/XX/2021 Checking/Savings Account : XXXX Confirmation Number : XXXX ''
Complaint sub-issue: Information is missing that should be on the report

Equifax still isnt reporting all of my accounts that are in good standing! I have filed a complaint against them and they responded saying they were working on it and yet THEY HAVE NOT DONE ANYTHING!
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft, Please remove all accounts and inquiries that, I have mentioned in this report they do not belong to me, therefore, needs to be remove those account per FCRA 605 ( B ) U.S.C. 15 as prescribed by the FTC FCRA. 

MACYS/DSNB Account number - XXXX Account status - Closed Date opened - XX/XX/2016 Account type - Charge Card
Complaint sub-issue: Information belongs to someone else

I have submitted multiple disputes regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. 

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft.
Complaint sub-issue: Public record information inaccurate

wrongfuly evicted undermultiple TN codes for " failing to maintain ''. summoned twice. records are showing XXXX cases, all are showing open-unpaid. 

The law says the landlord isnt due money. 
The accounts were PIF. The lawyer refuses to state the client was paid in person XXXXmos ago. 

The company and corporate offices refuse to answer summons by XXXX co ( XXXX ) counrthouse. 
The courthouse refuses to answer appeals and casde information and in fact plays bullshit.I have an active supoenae, unanswered by the courts. 

This has prevented me from gaining lawfully maintained units repeatedly, as has unlawful unrequested file freezes and blocks I previously didnt ask for. My mail was repeatedly stolen and not forwarded. I have filed fraud charges w XXXX pd, XXXX pd, and IDT.gov. companies do not care and report the slander anyways. same goes for my other credit accounts. information provided from companies is not accurate. I was never late and I hired XXXX XXXX on retainer for XXXX, which nobody wants to abide by. 

companies were told to notify XXXX. XXXX was in charge at said time for XXXX months last year.If I have to, ill hire another firm and pay cash for the case to enforce compliance, but my credit will reflect accurately the true nature of my credit- not what people are claiming. 

multiple companies are refusing to comply w fcra law. This is a felony act. I have filed multiple demands for correction over the past 12 mos to no avail.I have hired XXXX XXXX  and other organizations.
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft since 2017. 
This company is trying to collect debt that is not mine. Nor am I aware of.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax explaining that these inquires & accounts do not belong to me but they continue to report them on my credit.. I have sent them a police report, identity theft report along with my ID.