Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with paying off the loan

In XX/XX/2020 I traded in my vehicle financed through Carmax Auto Finance. I never missed a payment on that vehicle, but Carmax added daily finances charges of several hundred dollars after the dealership who sold me my new car paid off the Carmax loan and accepted my old vehicle as a trade. Even though I never missed a payment, Carmax counted me as 60 days past due over a couple of hundred dollars. Carmax closed my online portal, so I had no idea that I owed the money until it showed up on my credit report. I have contacted Carmax numerous times to explain what happened, and they said they will not remove the account they're calling " delinquent '' over a couple of hundred dollars. There is NO WAY I could possibly have known that between the time the dealership paid off my Carmax loan and when the account was closed, I was accruing additional charges. Please take this off my report. I think the pandemic played a big role here as well, because the dealership said that the mail/payoff check to Carmax might have been delayed for a few days. I have attached proof that I paid all of the loans on time. Thanks so much!
Complaint sub-issue: Trouble with how payments are being handled

I decided to sign up for automatic debit payments for my monthly student loan payments through the XXXX website. I applied and then the next time I logged in to my account, I noticed that the amount due said {$0.00}. I called and was told that I was put on an automatic forbearance when I applied for their automatic debit payment system. I do not recall that being disclosed anywhere when I signed up. I asked if this forbearance was going towards my total amount of forbearance available on my loans and whether the interest was being capitalized and the representative stated no. Therefore, my XXXX payment is now in forbearance and being skipped, for purposes of a payment as well as for my 120 payments for the Public Sector Loan Forgiveness, delaying my eligibility. Also, no where on the website where I log in to view my account does it state that my account is in forbearance.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act " XXXX XXXXXXXX XXXX Account # XXXX and US Dept of EDU Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Credit inquiries on your report that you don't recognize

My name is XXXX XXXX, DOB XX/XX/XXXX and last four of social security number XXXX. On XX/XX/2019 I contacted company " XXXX XXXX '' to purchase a vehicle. I wanted to see if I would pre-approve for a car loan with one of their creditors, same way I pre-approved with my bank and employer XXXX through their " credit tailor '', an app which sees if you pre-qualify without affecting your credit nor pulling a hard inquiry. However, I ended up going with my credit union XXXX XXXX XXXX XXXX because they provided the best rate and lowest interest rate. It was not until I received notification alerts to my email via XXXX and XXXX XXXX that I learned that instead of pre-approvals or soft credit inquiries I received hard inquiries. Subsequently, I reached out to the banks that performed the hard inquiry to request that they remove or convert to a soft inquiry because I did not authorize or consent to a hard inquiry and they stated that I would need to send a letter from XXXX XXXX as well as a letter from myself requesting that the hard inquiries be removed. I sent out both letters first class certified mail to the banks, credit unions and credit bureaus on XX/XX/2019 and XX/XX/2019 and I'm being met with opposition. XXXX XXXX XXXX XXXX XXXX XXXX in particular sent me back a nasty letter, stating that my letter implied " erroneously '' obtaining my credit report, although I sent them a letter from XXXX XXXX. If that's the tone of their letters to potential clients I can't imagine their actual customers, disgusting. XXXX XXXX XXXX XXXX also sent me a letter and stated that I claimed I was a victim of identity theft of fraud, which I never claimed to them, nor have I ever claimed in regards to these inquiries. CoreLogic aka Credco is dragging their feet and not offering any update or response ever since I sent them information. On the letter from XXXX XXXX it lists all the banks/credit unions that performed a hard inquiry.
Complaint sub-issue: Account status incorrect

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX - XXXX - {$7900.00} DEPT OF EDUCATIONXXXX - Date opened XX/XX/XXXX DEPT OF EDXXXX - Date opened XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX Balance - Date opened XX/XX/XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I received your correspondence on this alleged accounts saying its validated or updated Obvious NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on EACH credit bureau. Nor did you supply the documentation I originally requested! Written no computer generated bs. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX, and I appreciate you taking the time to repair and update some accounts from my credit report ; however, there are still accounts that needed to be corrected. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are fixed. 
XXXX XXXX Balance : {$12000.00} ; XXXX  XXXX Balance : {$8900.00}
Complaint sub-issue: Their investigation did not fix an error on your report

The end of last year, I went through a refinance on a property in XXXX AZ with XXXX XXXX, XXXX is the loan servicing. I set up autopay the same I had it before the refinance and without notifying me, they removed it as my payment for mortgage. As a result, I have a 30 days missed mortgage payment which drastically dropped my score. I tried to dispute and they came back saying it was accurate reporting. It was accurate, but the only reason it was reported as late was due to their error in removing my autopay without notifying me. They said they sent mail, but I did not receive any mail correspondence because I would have acted on it as soon as possible, as I do everything I can to make sure my credit is solid. That mortgage is now paid off completely and I have never had a missed payment before of any kind. XXXX said my only hope was contacting the credit bureaus to get it reversed. Every month since XXXX of this year, I have submitted a dispute but the answer remains the same and they will not change it. This wasnt my fault and I dont know why I have to be penalized for it. I never got a call, never got an email, and nothing in the mail. I dont understand how I could have possibly known they cancelled my autopay.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 Secti
on 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Credit inquiries on your report that you don't recognize

i am probably one of the millions whose personal confidential information is part of the breach into equifax. i believe equifax should be held liable and responsible for each and everyone of the upcoming damages coming due to this breach.
Complaint sub-issue: Was not notified of investigation status or results

XXXX XXXX has information connected to a different person on my credit report and refuse to remove the information with XXXX Credit bureau. 
I called and spoke to a XXXX XXXX Fraud representative that stated she could not find my full name in their data system. I explained the accounts are dated before I was established in the US. Then, she wanted my information to mail forms to be filled out. I was hesitant on providing my personal information but they were going to send forms and someone from the company would contact me. She gave me the Claim ID number XXXX on XX/XX/2021. 
Nothing was sent and no phone calls yet two accounts were remove from XXXX and a credit card account continues to remain.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

continues to show Delinquent account on credit report
Complaint sub-issue: Reporting company used your report improperly

THIS IS NOT A DUPLICATE COMPLAINT AND THIS IS NOT FILED BY A THIRD PARTY. 

In accordance with the Fair Credit Reporting act XXXX these accounts below has violated my rights. XXXX. Account Name : USDOEXXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX 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: Other problem getting your report or credit score

ALL 3 " CRA '' FAIL TO SEND UPDATE REPORT UPON WRITEN REQUEST SENT OVER 45 DAYS AND STILL HAVE NOT RECEIVED REPORTS AND RAPID RE-SCORE
Complaint sub-issue: Account status incorrect

I have contacted MoneyLion many times to update their system and address disputes with XXXX. They have provided a letter addressing this but XXXX will not ACKNOWLEDGE the letter, therefore the dispute continues to come back as " REMAINS ''. 

I am demanding that MoneyLion, account # XXXX update their system to current or Never Late so that disputes are updated. 

I have contacted MoneyLion MANY TIMES asking them to provide accurate payment history to XXXX. This is my 5th dispute with this matter. 

I AM BEYOND FRUSTRATED!!!! 

This is an incorrect reporting of my account status and clearly a violation of my consumer rights. 

According to the Fair Reporting Act " Accurate Reporting If  inaccurate information is discovered in your file, the consumer reporting agency must examine the disputed information, usually within 30 days. 

I will continue to report this company with the consumer finance division until my consumer rights are protected. 

Again, correct and remove this.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX via transunion interactive XXXX XXXX online information services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FAIR DEBT COLLECTION PRACTICES ACT As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p.

Please note that the format of the text differs in minor ways from the U.S. Code and Wests U.S. Code Annotated. For example, this version uses FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code.
Complaint sub-issue: Account status incorrect

i have challenge multiple the credit bureaus for them, due to inaccurate information on my credit report and it keep coming back verified, i ask them to provide me with proof that they did a investigation and failed to do so
Complaint sub-issue: Personal information incorrect

There is an incorrect address on my credit report. XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX and i have called all 3 credit agencies and two claimed to delete it and sent updated reports and they are still there. None of the agencies want to remove it and their claiming its removed but its still there in four different ways, please help. I need my address to be accurate. My address is XXXX XXXX XXXX XXXX XXXX ca XXXX. My mailing address is XXXX XXXX XXXX XXXX XXXX ca XXXX
Complaint sub-issue: Information is not mine

I 've contacted Equifax for an error in my credit report. There is an account that does n't belong to me, and I have explained to them I dont recognize this debt or owe any money to this creditor. If valid it would have been paid. have become a responsible consumer and this is an unfamiliar debt to me. Moreover, this debt appears to be past the Statute of Limitations. However, they insist in keeping in it there. I contacted XXXX for this exact same error also, and they concluded the account is not mine, and removed it from credit report. How is it possible, XXXX credit agency has determined there is indeed incorrect information, verified the account and removed them, and the other company just neglects all this? Please assist in contacting Equifax and getting this sorted out.
Complaint sub-issue: Information belongs to someone else

this company is reporting and allow these company 's to report fraudulent inquiry to my credit. i in no way have willingly given these companies my information and or given permission to take my personal information and now allow it to report on my credit with has financially abused and hurt me! i am disputing these fraud inquiries and want them removed A.S.A.P!
Complaint sub-issue: Investigation took more than 30 days

I sent a 609 dispute letter addressing the fraudulent information that was reporting on credit report and its been well over 30 days and I havent gotten any response from the creditor. They are not abiding by the law because the fraudulent information was not verified within the time frame allotted by the law so therefore should be deleted off my credit report.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

1.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
2.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
3.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
4.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
5.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
6.Hard enquiry were made on my social security in a day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about or approve of. 
7.Hard enquiry were made on my social security in day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
8.Hard enquiry were made on my social security in day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
9. hard enquiry were made on my social security in day by XXXX XXXX XXXX XX/XX/XXXX to XXXX different credit company which i did not know about. 
10.hard enquiry were made on my social security in day by XXXX XXXX XXXX XXXX XXXX to XXXX different credit company which i did not know about.
Complaint sub-issue: Problem during payment process

I am still being affected by Covid 19, and I can not afford to make this payment still. I need another payment waiver until I go back to work. I thought this wasnt supposed to be do yet. But I need another waiver.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, Equifax and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account Account name XXXX XXXX  XXXX  Account number XXXX, Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Account name XXXX XXXX XXXX Account number XXXX Account type Auto Loan Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Account name XXXX XXXX  Account number XXXX Account type Credit Card 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 is also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Card opened as result of identity theft or fraud

On XX/XX/21 I received an email from XXXX XXXX and a phone call from Discover Card stating that someone had submitted an application to open a credit card in my name. I would have had no reason to apply for a new credit card, so it was determined that someone else fraudulently submitted an application for a Discover Card. I do not have a Discover Card and have no interest in getting one at this time.
Complaint sub-issue: Reporting company used your report improperly

Last year I discovered a false account with XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Complaint sub-issue: Debt was paid

Company was paid in full and they are still reporting account as delinquent which is against the Fair Reporting Act. Their negligence towards consumer creditability is disgusting as if they are deliberately putting false information on people credit reports and they should be investigated for these practices.
Complaint sub-issue: Account status incorrect

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX, IA XXXX XX/XX/XXXX Re : XXXX XXXX XXXX Credit Student Loan Account Number XXXX Dear Consumer Financial Protection Bureau, I am contacting you to seek your assistance with an erroneous 90-day account delinquency that was reported by the referenced creditor to the three major credit reporting agencies in XX/XX/XXXX. As of XX/XX/XXXX, my student loan account was placed on deferment. On XX/XX/XXXX, I suffered a horrific accident when a winter storm packing high winds caused a mature white pine tree to fall, and it landed on me. I was in the XXXX for eight days undergoing XXXX. I was released to a XXXX XXXX  and was subject to XXXX and aXXXX XXXX XXXX   and XXXX through XX/XX/XXXX, a period of eight months. I was on XXXX   and unable to take care of myself requiring help with my basic needs, such as feeding, bathing, clothing, etc. I did not receive correspondence warning me that the loan was approaching the end of the deferment period, nor do I have record of the lender making direct contact with me until 2.5 months after the deferment had expired. Once contact was made, the deferment was extended but the lender did not retro date the deferment leaving the derogatory information as initially reported. I feel that I have been treated unfairly, and I have been discriminated against because of my health condition. 

I am requesting deletion of the erroneous credit reporting, and an address update. My address is XXXX XXXX XXXX, XXXX, AZ XXXX. 

Please let me know if you have any questions regarding this matter. 

Thank you kindly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried to get the credit agency to respond to my written request in a detailed letter, but they never ever give me the answers to my questions in the letter enclosed. This a major violation and I am seeking that these accounts now be removed. I am also aware of Congress investigating into the violations of these practices and I demand that this gets deleted for 5 times of being ignored on my disputes. The response just says that the account is verified but with No proof of what I am requesting. 
Please make them accountable for their lack of compliance and get these removed All these accounts in question qualify to be removed immediately because of their flagrant disregard of my rights as a consumer.
Complaint sub-issue: Debt was result of identity theft

Hello, I have been a victim of identity theft for 4 years now and someone keeps opening accounts in my name. I have never opened a account with this company and the person is using my identity. I have filed several police reports and have submitted them to Reporting credit bureaus. Please remove this account from my credit report
Complaint sub-issue: Was not notified of investigation status or results

I reviewed my credit report several months ago to find that XXXX XXXX XXXX has an open debt collection for {$1600.00}. I send a Debt Validation letter 45 days ago with no response to XXXX, XXXX, & Equifax Credit Reporting agencies requesting in writing information to confirm this debt is mine. I have not received any information in writing. The account in question states it was opened XX/XX/2016. 

However, the credit bureaus updated my credit report to say verified but has not supplied me in writing with data confirming the account belongs to me.
Complaint sub-issue: Account information incorrect

I recently settled an old balance I had with  XXXX   XXXX . Nea rly two months have passed, and they have yet to update the account properly on my credit report.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX of XXXX XXXX, XXXX Dept of 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, 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