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

XX/XX/XXXX both my credit report and husbands showed on XXXX the account was closed with a balance. Called and the lady said oh we are getting a new account # since we did a re-term. 

XX/XX/XXXX is was updated to show open XX/XX/XXXX. 

XX/XX/XXXX they both show closed again on XXXX.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XX/XX/2022 the IRS informed me that my federal income tax payment was being released to cashapp/ XXXX XXXX  for the amount of XXXX. They gave me the Trace number for this payment I informed cashapp/ XXXX XXXX  about this deposit that was being sent and they told me I couldn't access these funds for security reasons. I have been trying to access this money now for over a month, but I keep getting the run around like they are trying to steal this money from me. I provided all the information they asked me for and more and they still wouldn't let me get my federal income tax payment that was deposited in My Name in a account I started to receive this payment from the IRS
Complaint sub-issue: Information is not mine

I filed a complaint to concerning the credit reporting practices of the XXXX credit bureaus. Equifax , is still reporting my credit score unfavorable, with out any justification supported by the Fair Credit Reporting Act. My Score dropped by over XXXX points, the reason. I use over XXXX percent of my credit card balance. 
I have been working on fixing my credit score for over 7 years, and it has been an up hill battle. I would like to purchase a home however, the unethical reporting practices by Equifax has drastically hindered my progress. 
I need this corrected immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

PLEASE RE-INSERT MY CARMAX LOAN INTO XXXX CREDIT REPORTS, IT WAS DELETED IN ERROR. LOAN NO ENDING IN # XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

XXXX XXXX Credit Card closed XXXX of my credit cards that I havent been using in the last XXXX years which affected my credit score. I have over XXXX years of credit history, NEVER late on any payments, no XXXXMaintained perfect XXXX cs for XXXX  year. Now all of a sudden it drops to fair. Due to the fact that the bank decided to close my Credit card due to an inactivity and my credit score dropped by XXXX points due to that. XXXX points because XXXX XXXX auto-closed my account ( not me ). 
Please help to restore my excellent XXXX credit score as this is unfair. Thank you!
Complaint sub-issue: Their investigation did not fix an error on your report

I've been a loyal customer of XXXX for over a decade. I have never been late in paying my account and am always current. I am still a XXXX  customer just to state the facts. XXXX opened an unknown account and there is a small balance of {$150.00} that is opened and has gone to collections due to their error. This small error has affected my credit tremendously and has left a negative mark on my credit report. Please remove this error and fraud account.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX are reporting inaccurate information on LENDING CLUB CORP with account number XXXX. Per XXXX, reporting must be XXXX XXXX accurate or the information must be deleted.
Complaint sub-issue: Their investigation did not fix an error on your report

Please delete All DeptedXXXX  student loan accounts They are all pass the 7 year mark and still reporting Inaccurate payments This is a Violation please delete from credit report Please DELETED all 6 DeptedXXXX students loan from my credit report. It's been reporting pass 7 years and Inaccurate payment
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act and XXXX  Account # XXXXXXXX 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.
Complaint sub-issue: Account information incorrect

I write to complain about XXXX XXXX XXXX  credit card for willful and wanton violations if the FCRA for failing to report updated data to Equifax since XX/XX/XXXX despite the fact that so have made monthly payments monthly. My Equifax attached copy of my credit report dated XX/XX/XXXX inaccurately fails to include my payments for XXXX XXXX XXXX XXXX XXXX etc. XXXX last updated my file in XXXX and my report shows No Data Available monthly since XX/XX/XXXX as clearly evidenced from my report. Since I made monthly payments XXXX violated the FCRA by failing to mark 6 months of monthly payments. No Data Avsikabke is inaccurate and known to be inaccurate by XXXX and Equifax. Obviously, the date of last payment of XXXX  is inaccurate as future payments were never reported as required. The date of last activity of XX/XX/XXXX is also obviously inaccurate. XXXX has breached its obligations to report accurate and complete data therefore it no longer has a right to report data mandating permanent deletion of my account from every CRA and sn obligation if every CRA to block access to XXXX to insure permanent deletion is insured. It is too late to correct data so Permsnent deletion is required. I dispute all payment and incomplete data so, until the account is deleted, my Comenity account MUST include the permanent designation Of Account Disputed by Consumer and failure to mark account as disputed, even if XXXX disagrees, shall constitute additional willful FCRA violations which I claim now for {$1.00}? XXXX per violation.
Complaint sub-issue: Their investigation did not fix an error on your report

Someone comprised my personal information in XXXX and opened a XXXX XXXX credit card. At the time I was ignorant about credit so I didn't really monitor my credit score. The imposer ran up a balance. The account hit collections I started receiving letters in the mail and that is what caught my attention. Since XXXX of XXXX I have been sending dispute letters through the mail. I sent an identity theft affidavit, filed an Federal Trade Commission ( FTC ) report and the account keep coming back verified. On XX/XX/XXXX I called XXXX XXXXXXXX and they could not verify me from my date of birth or my residency and confirmed to me that the account was abnormal and was most likely fraud. They then told me I would have to call the credit bureaus so they could handle it. I am tired of them make me go in circles. This situation is really affecting my life. According to 15 USC 1681a ( k ) ( iii ) adverse action that doesn't benefit you should not be on your consumer report.
Complaint sub-issue: Overcharged for something you did purchase with the card

This is a twofold problem with Macy 's Credit Card, XXXX having to do with an incomplete refund of a returned item and the other, also an incomplete refund of a returned item has to do with their Rewards program, which they call " Macy 's Money. '' The initial complaint has to do with my purchase of a dress on XX/XX/2022 for which I paid {$41.00}. Within a few days this same item was reduced to {$23.00}. When I attempted to get a price adjustment, I was told that because it was the XXXX day, I could not receive a price adjustment. 

I proceeded to return the item at {$41.00} and purchased the same item at {$23.00}, but Macy 's ONLY CREDITED {$23.00}, instead of the {$41.00} which I INITIALLY PAID TO PURCHASE THIS ITEM. Macy 's is enriching themselves by {$17.00} and their online credit card system does NOT allow consumers to dispute charges, which is discriminatory behavior against consumers. 

The other issue has to do with their rewards program, wherein Macy 's gives " Macy 's Dollars '' to their consumers to encourage them ( bait ) into buying more merchandise, but if you return the merchandise, they take away the {$10.00} " Macy 's Rewards '' even if your purchase did NOT total {$10.00} but may have totaled {$200.00}. This is a BAIT and SWITCH tactic, wherein they reel you in to spend your money, and entice you with a Macy 's Dollars, and they then take them away. I have an emailed chat conversation, which was very unpleasant, and the manager disconnected the chat without even advising the consumer she was doing so and REFUSED to reimburse the {$10.00} which they kept when I returned Macy 's merchandise. Whatever this practice is, please look into it, as I have had at least an additional {$30.00} of so-called Macy 's Dollars taken away once they are given. If you need a copy of that unpleasant chat, I have it.

I hope your intervention looks into these shady, bait and switch practices that Macy 's applies to their customers and also look into their credit card online services which do not allow consumers to dispute items, i.e. like the initial one noted at the beginning of my email. 

Thanking you in advance. 

XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I was online and I applied for a personal loan, that I got due to a low credit score. I wondered for days how was this possible if I have always had good credit. I got my credit pulled and saw I was a witness of identity theft. Most of these accounts that were open under my name are not mine. Please remove these fraudulent items from my report. 

XXXX XXXX XXXX XXXX {$540.00}
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. Now it has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future.This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Going forward, Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$5300.00}
Complaint sub-issue: Inadequate help over the phone

Hello All, I recently learned of the negative impact hard inquiries had on credit score so I checked my credit and realize that there are several hard inquiries on my credit report that posted in XXXX2016. I called both Equifax ( spoke to XXXX emp # XXXX ) and XXXX ( spoke with XXXX XXXX but refuse to give me emp # ) to have inquiries removed for reason that I did not apply for credit with these companies but they will not take my word for it so now my only option is to come here and see what help I can get in resolving this issue. Thank you in advance for your time and consideration on this matter.
Complaint sub-issue: Privacy issues

XX/XX/2019
I just received a request from DISCOVER Credit Card Service asking me to sign Document 4506-T. I appears to me, by signing this document, DISCOVER will then have access to my IRS tax returns and any other info IRS may have on me. DISCOVER did not require me to sign such a document when they extended me credit years ago so I don't see why they feel they are entitled to it today. I have been doing business with them for years and ALWAYS pay my bill on-time and in full. They told me if I don't sign, they will cancel my accounts. They have already froze my account so I can't even see my recent transactions or where I stand financially with them.  I have given them absolutely no reason to take this action.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are reporting an incorrect coding of the XXXX   - account number XXXX. This account is being coded as an XXXX when actually this needs to be coded as an XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I have been getting charged XXXX every month for XXXX XXXX I dont know what that is and I never agreed to those fees.
Complaint sub-issue: Personal information incorrect

I have sent in a copy of my driver license and social security card. I have asked that any other names and addresses be removed from my report. I was a victim of identity theft years ago and some names and addresses on my report are incorrect. It had been over 30 days. XXXX is the only report that has updated my name and address. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Complaint sub-issue: Information belongs to someone else

I have gotten a collection bill from a company that I had never had business with, I think my identity has been compromise, in recent and pass data breaches my identity resulted in been access by unknown people, I check my credit and there are accounts that are fraudulent.
Complaint sub-issue: Investigation took more than 30 days

I have several accounts thats shown on my credit and that should not be list on my report.. these accounts where settled in my divorce.. 
The accounts are as follows XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am writing because I do not recognize certain items on my credit report. I have never done business with many of these companies. For some, I recognize the names that are listed as original creditor, but I dont understand how I could owe so much as I dont recall ever having gotten so much debt.
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX,
Complaint sub-issue: Old information reappears or never goes away

XXXX, XXXX, and Equifax are still reporting my auto loan with XXXX XXXX account number XXXX as open even though i paid in full on XX/XX/21 its already been almost 30 days and there still reporting this account as open it needs to be removed immediately from my credit file since I paid in full satisfactory
Complaint sub-issue: Reporting company used your report improperly

Equifax allowed my personal financial data ( along with approximately 143 million other consumers ) to be stolen by unknown attackers. 
This data includes name, social security number, date of birth, address, telephone number, driver 's license number, credit card numbers, bank information, etc ... 
I am now responsible for freezing my credit account, filing an identity theft report with my police department, contacting my bank, credit cards, insurance company, etc. to inform them of this incident. I 'll need to have passwords and pin numbers changed, I 'll have to get credit cards re-issued, I 'll have to constantly monitor credit reports and my bank accounts, and hope one of these thieves do n't try to file a tax return, take out a loan, loot bank accounts, charge to my credit cards. All this will need to be done for many years now, since getting a new social security number is not feasible.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX # XXXX has violated my rights. 

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

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

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Complaint sub-issue: Their investigation did not fix an error on your report

On date XX/XX/2022, I sent XXXX, XXXX and equifax a letter disputing the validity of my bankruptcy they are reporting on my credit report. They responded with a letter stating that they verified this item through XXXX XXXX. I went directly to XXXX XXXX to dispute the item in question and XXXX XXXX  could not verify this item so they deleted it from there database. 

I then went back to XXXX, XXXX and equifax on XX/XX/2022 and showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified their item it need to be deleted regarding to the FCRA. They have once again refused to delete item which is Imploding on my ability to purchase a home and costing me lots of money in interest every year. I also asked them to delete addresses that were incorrect on my credit with proof that Ive never stayed there and they still refuse to delete it. 

The addresses and bankruptcy needs to be deleted from my credit report if it cant be verified within 30 days. Its already hard enough out as is and they are making things harder for not only me but my children due to reporting false information. Addresses that does not pertains to XXXX XXXX needs to be deleted and so does the bankruptcy
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have the rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times.

I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right and I did not Equifax the written pre mission to furnish these accounts. 

Accounts listed : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Debt is not yours

I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  is reporting inaccurate information on my consumer report along with Equifax without my consent I have. they are furnishing my report and it is causing me harm when it comes to my financial goals, physical health and mental health. per the law it is illegal for them to furnish my report without my consent. they claim that I owe them XXXX dollars without any proof and I need them to remove this off of my report immediately.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX XXXX and Hunter Warfield Collections has added a collections account to my credit of over XXXX dollars for a lease that I had at XXXX XXXX XXXX XXXX in XXXX, Fl. I do not owe this amount of money as my lease was up. I started out renting from another company and in the middle of my lease it was swithched to XXXX. I paid a really big deposit that I did not get back. This debt was removed by all credit bureas in early 2016 when I disputed it. About four months later it was re-inserted by XXXX and XXXX. XXXX did not re-insert. I was was given no expalnation of how or why this could be reinserted by the same collection agency. These companies have ruined my life and I have been homeless because of this.
Complaint sub-issue: Threatened or suggested your credit would be damaged

All my student loans are with NELNET. I was never offered an income driven plan, even though I asked about it several times. Instead I was put into forbearance for years and incurred interest costs in the amount of {$35000.00}. The only other option that I was offered was to pay over {$2000.00} a month, and for sometime I had no job or I was making very little. They threatened me with ruining my credit or garnishing my paychecks.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Been disputing inquiries and credit reporting agencies dont investigate properly just send its been verified and there not sending me proof that its my inquiry. Equifax, XXXX, XXXX  and all the banks thats reporting it on my credit report is fraud. There not responding back I called with no help please help getting this issue resolved