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

I have, many times, sent dispute letters to both Macys and Credit Bureaus requesting the correction of their inaccurate late reporting on my account. They have not done anything. Even when I engaged CFPB, they do not care. Attached is my complaint, Macy 's response and the proofs of payments I made in those " Lates '' mark that they claim I am late.
Complaint sub-issue: Problem with customer service

Both the XXXX XXXX XXXX XXXX and my student loan servicer, Nelnet, recognized my current, legal name for one year, but Nelnet now has decided to revert to my former legal name. The XXXX XXXX XXXX XXXX still recognizes my current, legal name. Nelnet refuses to explain why they called me my current, legal name for one year. Nelnet now says they will require me to produce legal documentation of a name change, which I had already provided in the past to update my account the first time. For Nelnet to require me to provide documentation of a name change a second time would be an undue burden to me. I legally changed my name in XX/XX/XXXX. In XX/XX/XXXX I updated my name with the XXXX XXXX XXXX XXXX. I can't find in my records the exact date Nelnet updated their records, but the oldest email I can find from Nelnet with the updated name is from XX/XX/XXXX. Nelnet 's records continued to show the correct, updated name for one year. On XX/XX/XXXX, I logged in to my Nelnet account online, and I noticed there had been an unauthorized change to the name on my account, which now shows my former legal name. On XX/XX/XXXX, I submitted online to Nelnet a letter requesting a written response to the unauthorized change to the name on my account. On XX/XX/XXXX, I called Nelnet by phone and spoke to XXXX, who said that I would not be receiving a written reply to my XX/XX/XXXX letter to Nelnet, that Nelnet would not undo the unauthorized change of the name on my account to my former legal name, and then XXXX sent me an email for documentation needed to confirm your name change. On XX/XX/XXXX, I submitted a case with the XXXX XXXX XXXX XXXX   Federal Student Aid feedback system. On XX/XX/XXXX, XXXX  from Nelnet responded to my Federal Student Aid case requesting additional documentation of a name change. On XX/XX/XXXX, XXXX from the Federal Student Aid 's Business Operations Escalated Issues team also requested additional documentation of a name change. Finally, on XX/XX/XXXX, XXXX with the Federal Student Aid Ombudsman Group emailed " the initial change was done electronically. However, in order for ED-Nelnet to complete a permanent system change ; you will need to provide them with a copy of your driver 's license, social security card and/or birth certificate. ''
Complaint sub-issue: Public record information inaccurate

I recently pulled my credit report and noticed inaccurate tax liens on my credit report.On XXXX XXXX I sent a letter to Equifax regarding this matter. I stated that under the new law effective XXXX XXXX2017 any public record data must include name and address as well as SSN or DOB. I asked Equifax to please provide me with this information and they fail to do so I was not provided any documents supporting this incorrect information on my credit report
Complaint sub-issue: Account status incorrect

I divorced my husband, XXXX XXXX XXXX, on XX/XX/XXXX. We had a joint mortgage together with XXXX XXXX opened since XX/XX/XXXX. The account number for the mortgage was # XXXX. Under the divorce decree, it was ordered that my ex husband would continue to reside in the home and would be solely responsible for paying the mortgage in a timely fashion, among other things. We separated in XX/XX/XXXX and I have not lived with him at the property ever since, but the divorce was not made official until XX/XX/XXXX. In the months after the divorce, it seems he fell behind on payments to the mortgage starting in XXXX to XX/XX/XXXX. This unfortunately led to late payment remarks to be reported to my credit for XXXX, XXXX, XXXX and XXXX. These late payments have ruined my credit and I feel this is unfair as I was no longer financially responsible for the mortgage after XX/XX/XXXX per our divorce decree. I have been trying to work with the credit bureaus in the past couple of months trying to explain my situation but I have not gotten a resolution. This mortgage has been completely been paid off since then so there is no longer even a balance on my credit report. I am filing this complaint as an appeal to XXXX XXXX to remove the four late payment dates from my credit report that were added after XX/XX/XXXX. I am attaching a copy of my entire divorce agreement as a supporting document. The section relating to our marital home is on Page 6 and clearly states that my ex husband would be solely responsible for the mortgage after the divorce.
Complaint sub-issue: Their investigation did not fix an error on your report

I paid collection company XXXX to remove this account from my credit report which I was told they cant remobve I would have to ask XXXX XXXX XXXX. So I called them and they told me they cant remove the account but will show paid in full. But I want them to to remove this account off my report because its ruining my credit score on my report
Complaint sub-issue: Debt was result of identity theft

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Complaint sub-issue: Problem using a debit or ATM card

I filed a complaint with the CFPB about this company putting my account in the negatives a few months back for a disputed transaction that was finalized. On XX/XX/2022 I went to the post office and tried using my debit card and the transaction declined. I had the money in my balance and it did not state why the purchase declined. I messaged cashapp through the app to see why. They informed me that my card is deactivated but did not state why. They deactivated my card in retaliation to me filing a complaint about them going back on their word. If I violated the terms of service then my account should have been completely gone but instead they suspended my card causing me embarrassment in the post office.
Complaint sub-issue: Don't agree with the fees charged

I did not receive a summons to appear in court to challenge or defend my self from XXXX XXXX XXXX and Allied Interstate LLC. As I understand, these entities needed to file a case and receive a court order to garnish my wages and that I am supposed to receive a summons to challenge or defend myself in court. The wage garnishment is not lawful because XXXX XXXX XXXX and Allied Interstate LLC. did not provide prior notice.These garnishments are causing financial hardship and may cause me to lose my apartment.
Complaint sub-issue: Didn't receive enough information to verify debt

XX/XX/2021 I sent a letter to Firstmark Services LLC requested a debt validation letter according to the FCRA and the FDCPA, They sent me back a correspondence on XX/XX/2021 saying they would review my request and the respond said that I made a payment on the loan but they didn't provide any other evidence or promissory or signature or anything. I sent another request on XXXX XXXX requesting documentation and contract obligating me to pay the company, again I didn't receive the information I requested. I received an email saying that I received a promissory note on XX/XX/2021, which I didn't They also sent me about much the loan is but no proof. On XXXX XX/XX/2021, I sent a letter again stating this is my last and final time requesting debt validation on I will have to pursue with the courts and now I am waiting on a response.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Inquiry from XX/XX/2018 XXXX Inquiry from XX/XX/2018 XXXX/XXXX Inquiry from XX/XX/2018 XXXX XXXX Inquiry from XX/XX/2018 XXXX   XXXX Inquiry from XX/XX/2018 Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.
Complaint sub-issue: Debt was paid

Recieved a phone call from a XXXX  area code claiming to be attempting to collect a debt for a XXXX XXXX account. When I asked how a company that no longer exists was trying to collect a debt they said that XXXX XXXX had taken over their accounts. Despite an uneasy feeling I set up a payment plan to settle the debt and was told I would receive an email confirmation of the plan. 
After not receiving the email and reaching out to XXXX XXXX I deemed the company to be illegitimate and cancelled my card. On the date of the first scheduled payment I received a follow-up call from another XXXX area code. After explaining the issues I had with the way they had done business thus far I told them I wouldn't set up another payment plan until I had received an email from their company as I had been promised. Once I received the email I found out that they are not located in XXXX. In fact, Unifin Inc. only has a XXXX XXXX in XXXX listed as an address. 
Seeing this I looked up who acquired XXXX XXXX and found out that they were purchased by XXXX/XXXX. I called XXXX XXXX  and asked if they could find any record of me and they couldn't and told me they have their own debt collectors and the number I was called from has no association with them.
Complaint sub-issue: Was not notified of investigation status or results

I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
I have wrong names and addresses that do not belong to me. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.
Complaint sub-issue: Account status incorrect

I applied for a new apartment ( XXXX ) on XX/XX/2020. The background investigation company, On-site, reported that a late payment/delinquent account with XXXX exists, which affects my credit and my credibility with companies like XXXX. I contacted Equifax and they claimed that they were looking into it, but this false reporting was supposed to have been removed from my credit in XXXX according to XXXX, whom provided me a a letter that was sent to all credit bureaus. Equifax still has not removed the faulty information and it is affecting my ability to rent.
Complaint sub-issue: Other problem getting your report or credit score

I called Equifax on XX/XX/2022 went through all the automation ask for representative or specialist and was hung up on by the automated system.
Complaint sub-issue: Debt is not yours

Enhanced Recovery Company says that I owe them some money for debt on a XXXX account. They constantly call me and have sent letters to me about it. However, I have never been a XXXX customer. My phone is from XXXX. XXXX says that my credit report is accurate, but I don't think it is.
Complaint sub-issue: Information belongs to someone else

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Talked to a third party about my debt

GRANT & WEBER has placed a derogatory account on my credit profile without my authorization which has violated the FDCPA. To my knowledge, I do not owe GRANT & WEBER any alleged debt and would like them to provide proof of claim with authenticated verification. GRANT & WEBER has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.
Complaint sub-issue: Their investigation did not fix an error on your report

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Complaint sub-issue: Information belongs to someone else

I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Complaint sub-issue: Account terms

Had car loan with XXXX XXXX XXXX, surrendered car voluntarily in XX/XX/XXXX, item was to have been removed from my credit file from XXXX XXXXand it is now XXXX and it is not removed.
Complaint sub-issue: Didn't receive terms that were advertised

I opened a checking & saving account on XX/XX/2018 and funded my account with $ XXXX on XX/XX/2018 so that I will receive {$400.00} cash bonus as their promotion stated. By end of XXXX, I haven't received my credit. I have tried calling and visiting branch, and they have changed the date that I would receive my credit. They initially promised that i would get it in mid XXXX, then early XXXX and then End XXXX, as time went by. The last time I went to the branch on XX/XX/XXXX, I was told I will get it in end of XXXX On the fine print, it clearly states the cash bonus will be credited to the new checking account within 90 days from the date i complete all offer requirement. I completed the requirement on XX/XX/XXXX and I should receive by XX/XX/XXXX. Today is XX/XX/XXXX and I haven't heard back from them after submitting a complaint nor receiving the cash bonus. 

Attached is the my bank statement showing that i have funded $ XXXX, their promotion material, fine print and new account opening doc.
Complaint sub-issue: Account status incorrect

I have recently reviewed a copy of my personal credit reports ( XXXX, XXXX and Equifax ) and have noticed numerous mistakes and inaccuracies in which I am bringing to your attention. 

I had a credit card account with XXXX XXXX, that unfortunately went into default due to a financial hardship in XX/XX/XXXX. I called on XX/XX/XXXX to XXXX XXXX -with the propose to resolve this debt because the account is reporting a Balance on my credit reports- I spoke with a representative named XXXX, He told me that XXXX XXXX just forgiven the debt and sent me a XXXX form, I asked if they are collecting the balance and he said is any balance owe to the XXXX XXXX and they are no longer collecting the balance. 

I verified my tax records and I received a XXXX Cancellation of Debt from XXXX XXXX, and subsequently had to pay the IRS the income tax due on the cancelled debt that XXXX XXXX   reported. 

I disputed the account with the 3 credit bureaus because they are reporting a balance in my credit reports, but XXXX is not longer collecting any balance and forgive the balance of the account, so I don't see the reason why the Credit Bureaus and XXXX are reporting a Balance on the account. 

I have done research on the topic and would like to advise both the Credit Bureau that this issue has been litigated extensively, and that it has been decided numerous times by courts that it is inequitable to allow a creditor to belatedly enforce a debt after it received the tax benefit of the Charge-off, in addition to it being inequitable to require me to report this cancelled that as income on my federal tax return and face tax consequences and STILL hold me liable on the debt. Below, please see all the research I have done in my favor. 

See : See, e.g., In re XXXX, XXXX XXXX XXXX, XXXX ( XXXX. XXXX XXXX XXXX XXXX ) XXXX XXXX v. XXXX , XXXX XXXX . XXXX XXXX ( A ), XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX XXXX ) XXXX XXXX XXXX . XXXX. v. XXXX, XXXX XXXX. XXXX. XXXX XXXX ( XXXX. XXXX. XXXX. XX/XX/XXXX ) ( " It would be inequitable ... to require that [ Defendant ] report the discharge of debt as income on his federal tax return or face the potential tax consequences and hold that the plaintiff may continue to hold him liable on the debt. " ). " is in direct conflict with the Internal Revenue Code and the fact that cancellation of indebtedness income is included within a debtor 's gross income. '' Id. at XXXX. The court further determined that the issuance of a Form XXXX reflects that a financial institution has, in accordance with 26 U.S.C. 6050P and 26 C.F.R. 1.6050P-1, discharged an indebtedness. Id. at 271. 

I have been advised that you have thirty ( 30 ) days to begin and conclude your investigative procedures. Upon completion, I request to know the name and address of the verifying source along with a description of the process you used in contacting them. Furthermore, I request that you provide me with an updated and revised copy of my credit file reflecting your correction of these errors.
Complaint sub-issue: Problem with customer service

I am beyond frustrated with the run around and lack of follow up from AES. I have been going back and forth with Customer Service Representatives from AES since the summer of XXXX when I was first made aware of the fraudulent activity on my student loan account. I have since then been in contact with them every 2-3 weeks following up on the status of the distribution of the checks that were fraudulently cashed by god knows who. I have provided all the documentation they request and then when I think progress is being made they ask for more documents or a Police Report? Seriously, you are requesting a Police Report when this incident occurred in XXXX? Why didn't they advise me of the needed police report back in XXXX when I first reported this to them. 

I feel as if they are giving me the runaround because their bank refuses to refund a clearly fraudulently cashed check. I have given them everything they need in order to determine which reimbursement checks were cashed by me and which weren't. I have submitted affidavits that have been legally notarized and nothing. 

I recently received 2 out of the 6 checks reimbursements. Today, XX/XX/XXXX I called to follow up on the pending 4 checks and they inform me that they are not showing any outstanding check distributions pending. 

I informed them that I have yet to cash the first two being that I want to ensure this matter is closed once and for all.
Complaint sub-issue: Problem with personal statement of dispute

I reached out to Equifax, XXXXredit Reporting Company, asking them to verify ( with an original signed contract ). I sent this request via mail on XX/XX/2022. Equifax sent me a letter stating the debt was verified ; But failed to send me a contract as proof. I also reached out to the Collection Agency for verification ; And they never provided anything. Therefore I sent another Letter to Equifax enclosing copies documents sent to the collection agency asking for evidence. The XXXX letter was sent ceritifed mail with a return reciept. Equifax signed and recieved my letter XX/XX/2022. The FCRA requires you to verify the validity of an item within 30 days of request. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here. I informed Equifax that I contacted the Debt Colection agency for validation ; And the Debt Collection has not validated the debt either. It has been 60 days with no response from Equifax. This needs to be removed from my credit. I've also sent Letters to XXXX and XXXX without a initial response.
Complaint sub-issue: Was not notified of investigation status or results

I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. 
I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 

This has caused me to suffer and its defamtion of my character 1. Did not consent to authorized this inquiry XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. Did not consent to authorized this inquiry XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
3. Did not consent to authorized this inquiry XXXX  XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
4. Did not consent to authorized this inquiry XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
5. Did not consent to authorized this inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
6. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX  XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
8. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX XXXX Account Number : XXXX Please investigate and remove from my credit report. 
10. This is not mine. I am a victim of ID Theft and I have included a police report. 
XXXX XXXX  Account Number : XXXX Please investigate and remove from my credit report