Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

The Following Account : AMERICOLLECT Last reported XX/XX/XXXX {$130.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Placed for collection Original creditor name XXXX XXXX This account is not valid. I had active XXXX  XXXX under my social security number at this time and this was covered. The original creditor is responsible for this balance if they did not submit it to the correct insurance for payment as they were given all of this information at the time of care. This needs to be removed from all 3 of my credit reports at once as it is detrimental to my credit as well as keeping me from being able to continue on with my life as needed.
Complaint sub-issue: Was not notified of investigation status or results

I contacted all three credit bureaus about this account. It has been 30 days now with no response to my request for them to remove this hard inquiry off of my credit reports.This is causing me a great deal of hardship, I am trying to buy a home and this account has made my credit score go down drastically. I have XXXX children and I can't move into a bigger home with a low credit score. The credit bureaus did not follow the FCRA regulations in regard to this matter they were suppose to respond in a timely manner to my request I sent them certified letters through the United States postal service and still nothing!
Complaint sub-issue: Personal information incorrect

Hello I had looked at my credit score recently and noticed equifix had an error on my address which I would like removed as I have never lived there or been associated with the following address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I had spoke to a customer rep and they had said they would remove from my file and never did.
Complaint sub-issue: Investigation took more than 30 days

I disputed a account on my report and the investigation passed the 30 days required by the furnisher. Account needs to be deleted
Complaint sub-issue: Their investigation did not fix an error on your report

EQUIFAX GOT AN OLD COMPLAINT AND RESPONDED TO THAT I WAS SPEAKING ABOUT A NEW COMPLAINT FOR ONE ACCOUNT WHICH WAS THE XXXX XXXX IN WHICH THE COMPANY DID A CANCELLATION OF DEBT I SENT THE NOTARIZED DOCS THE RESPONSE THEY SENT BACK WAS FROM AN OLD COMPLAINT THIS COMPLAINT WAS ONLY FOR ONE ACCOUNT WHICH WAS XXXX XXXX NOT MULTIPLE ACCOUNTS ONLY ONE THE ONE EQUIFAX RESPONDED TO WAS IN XX/XX/XXXX THE ONE I WAS TALKING ABOUT WAS XX/XX/XXXX THIS WAS THE WRONG AND ALSO AN OLD COMPLAINT responded Status Company responded Closed with explanation on XXXX Response Type Closed with explanation Company 's response *Equifax has reviewed the complaint and its records. *Equifax did not receive any additional communications from the consumer during the review of the complaint. *No follow up actions are required in further response to the complaint. Equifax has reviewed the complaint and its records. The following disputed items are currently not reporting on the Equifax credit file : XXXX XXXX, XXXX XXXX, XXXX and XXXXThe additional disputed inquiries are currently not reporting on your Equifax credit file.Written confirmation was mailed on XX/XX/XXXX.
Complaint sub-issue: Public record information inaccurate

Someone opened a account in my name at a local bank I received a letter in the mail from the bank that's how I was aware of the fraud I called the bank to let them know it wasn't me that opened the account they closed the account and sent me a letter about what happened and what will take place in the future. I have inquires on my credit report as well as a Bankruptcy that all three bureaus fail to delete I have filed several complaints with all three, called spoke with them all, and nothing has been deleted. I have fraud protection on my account NOW but the things that are on there where never deleted. I have sent several letters called several times and filed several complaints and I am getting no where. I have filed a complaint with the FTC ( Federal Trade Commission ) report number XXXX Please follow up with XXXX, Equifax, XXXX as I need a accurate credit report. Inquiries Deleted and Bankruptcy.
Complaint sub-issue: Public record

Re : Chapter XXXX Dismissed Bankruptcy Docket # XXXX filed XX/XX/XXXX 2011 I am disturbed that the credit bureaus continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, these credit bureaus have no right to maintain information which the government has deemed nonexistent. 

Also, I filed this bankruptcy in XXXX County Court in XXXX, NC on XX/XX/XXXX 2011. I have never been to XXXX County which is the information being reported on my credit file. 

Regards, XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

My loans formerly serviced by direct loans have been transferred to Moela and not only do they stall and refuse to process my application for PSLF, TEPSLF ( loan forgiveness ) but did many years my three years of services in XXXX XXXX back in 2009 onward was not processed as qualifying payments and tge servicer is trying to beat me from qualifying from TEPSLF when I was inform gym. One their reps on the phone ( which I may be able to obtain transcript of conversation ) that when moela acquired my loan from direct loans the did not receive sufficient or accurate paperwork from prior servicer which that servicer has a lengthy history of being disgraced by other consumers and plagued with legal issues.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc.  resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 

I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Complaint sub-issue: Account status incorrect

Although I do not owe this balance, I have reached out to the company to pay the balance because it is reporting negatively on my credit reports. No one will respond. I have now been able to download my paystubs that show the account was actually overpaid by a few dollars. I have faxed this information to the company but no response so far and it has been several months.
Complaint sub-issue: Debt is not yours

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found several items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

DISCOVER FINANCIAL SERVI XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX ) XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a complaint that XXXX XXXXXXXX XXXX about their reporting will as not correct as to the date of my first late payment seven years ago. The problem is that they corrected that erroneous information by publishing even worse false information : THAT I HAD DECLARED BANKRUPTCY ON XX/XX/2019!!!! WHICH IS ABSOLUTELY FALSE!! Which is a lie! How can they get away with this. Any search of public records will show that this is not true. Obviously they are purposely reporting false information to my harm. Publicly fabricating lies about someone should be illegal and there should be some legal recourse available to me ... or the company can just keep publishing lies and then when I contest it they just publish a new lie!
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and have inquires posted on my report, as well as accounts. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ACCOUNTS XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Problem with personal statement of dispute

All of my credit reports are showing XXXX ( XXXX ) 90 or 120 day late payments in the month of XX/XX/2019 for my student loans with " XXXX/Dept of Ed '', however, my student loans were in Administrative Forbearance from XXXX XX/XX/2019 and General Forbearance XXXX XX/XX/2019. Administrative Forbearance is a period during which payments to federally held student loans have been automatically paused or suspended and interest rates set to 0 %. I have included a of a correspondence from XXXX XXXX ( the previous student loan servicer ), dated XX/XX/2019, approving the Administrative Forbearance from XXXX XX/XX/2019 and General Forbearance XXXX XX/XX/2019 - again showing the Administrative Forbearance was backdated during the time in question ( XX/XX/2019 ). Notably, the approval did not occur until XX/XX/2019, nonetheless, I was approved for backdated the Administrative Forbearance from XXXX XXXXThus, it is legal and factual impossibility to be in default or have late payments during the period my loan was approved for Administrative Forbearance from XXXX XX/XX/2019. I had to apply for Administrative Forbearance and my application took time to process, however, my application was ultimately approved on XX/XX/2019, which included a backdated Administrative Forbearance from XXXX XX/XX/2019. The credit reporting agencies have accepted the response form the creditor that payment was late because payment was made during the application for the Administrative Forbearance, however, the Administrative Forbearance was approved and served to backdate the forbearance during the application process, as clearly demonstrated by a correspondence from the creditor, which is attached, and no late/delinquent notices during the months of XX/XX/2019, when I would have been 30 days late, and again XX/XX/2019, when I would have been 60 days late. It can not be said that an Administrative Forbearance was not effective in XX/XX/2019 when all XXXX ( XXXX ) delinquencies occurred, by the very language of the correspondence received from the creditor. Thus, all credit reporting agencies have completely disregarded the evidence I have submitted clearly proving the Administrative Forbearance was backdated and effective during XX/XX/2019, while accepting the creditor 's factually deficient and legally incorrect statements that payment was " late '' in XX/XX/2019 during a time that I was provably in Administrative Forbearance. 

In sum, the twelve ( XXXX ) reports of 90 or 120 days late is not only inaccurate because I was on Administrative Forbearance, it is predatory as it has completely destroyed my credit, despite the proper approval for the Administrative Forbearance.
Complaint sub-issue: Account information incorrect

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Complaint sub-issue: Their investigation did not fix an error on your report

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items from my credit report : Late Payment XXXX # XXXX XXXX # XXXX XXXX # XXXX
Complaint sub-issue: Account status incorrect

I received notification XXXX XXXX XXXX , XXXX is fraudulently reporting an account that XXXX XXXX says I owe. I withdrew from XXXX XXXX within 6 days of enrolling! It is my understanding from XXXX XXXX that only physically proven current, true, correct, complete, timely and compliant information may be  retained or reported so ANNUL BY DELETION any derogatory items deficient of this requisite physical certification of compliance to XXXX XXXX data formatted reporting regulations! At this time I am filing a complaint against XXXX XXXX XXXX , XXXX, XXXX XXXX and any credit reporting agency reporting this fraudulent information and seeking {$1000.00} per violation from each credit bureau, XXXX XXXX XXXX , XXXX and XXXX XXXX. I will be retaining legal council! XXXX XXXX XXXX , XXXX is also reporting an INACCURATE date! I withdrew in XX/XX/XXXX ( within the specified timeframe ) and the date they are reporting is XX/XX/XXXX which is UNTRUE! It is my understanding that NO entity has the right to retain, report, transfer, sell, utilize or else wise any outdated, untrue inaccurate, physically unverifiable, fraudulent, misreported and or non compliant allegations! This is CLEAR violation of the Fair Credit Reporting Act! EACH REPORT HAS INCORRECT INFORMATION!
Complaint sub-issue: Debt was paid

Hello, I reviewed my credit report and saw that XXXX at XXXX was STILL reporting to my credit for Equifax. This account has been paid in FULL! I have attached proof of payment and would like for you to remove this from my credit report at once! This is tarnishing my credit score and impacting my buying power. I have already sent over XXXX rounds of dispute letters!
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX partial 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: Debt is not yours

XX/XX/XXXX I sent a letter form to JVS Group requesting information about a debt that was on my credit report for {$350.00} from XXXX XXXX XXXX I was not aware of and explained how I was involved with this agency. I requested information regarding the alleged charges, who authorized them to collect, amount allegedly owed by me and proof of my agreement to pay this bill due. I ask for the debt to be validated with a copy of an agreement showing my signature where I agreed to pay this bill. I did not receive the requested information in their response I received on XX/XX/XXXX to this date of writing. However I did receive a very rude and obnoxious letter from them telling me not to send them my form letter again! and will honor my request for information which they did NOT do. I have not received the information that I requested from them within the 30 days required by law. I will attach the letter I received from this company along with this complaint. I requested what is within my legal rights and per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that validation of the account is required. What I received was a single sheet of paper ( attached ) with notations showing an amount, date, and my name. This is NOT validation that I owe a debt. Attached is the original form letter I sent requesting information also as I am not a lawyer and wanted the letter to be as correct in what I was requesting. All I got back was their FORM letter saying they are sending me the requested information, and did not.
Complaint sub-issue: Account information incorrect

I have previously disputed this account, however, I have attached a copy of my XXXX credit report just to show the inaccuracies in the payment dates. 
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
Being that the payment history in inaccurate for both, this item must be removed from my credit report.
Complaint sub-issue: Reporting company used your report improperly

On XXXX XX/XX/2022 and XXXX XX/XX/2022 consumer contacted Equifax , Inc. at XXXX publicly listed at https : XXXX to request a security freeze. The telephone system allows a consumer to press 1 to request a report, 2 to dispute information related to a report, or 3 to report identity theft ; there are no other options available and no option to speak with a representative to request a security freeze. Furthermore, no representatives are available to the consumer if options 2 or 3 are selected.
Complaint sub-issue: Debt resulted from identity theft

On XXXX a fraudulent transaction was executed on my Macys account. I received an email alert and immediately called Macys to stop the transaction and freeze my account. This did not occur. Repeated calls and paper work to Macys to address did not stop harassing calls, mail and being reported to the credit bureua.

The fraud department promised they would put the account on hold in XX/XX/2016. They did not, it is still not on hold. This is despite having to file a PAPER FORM THAT CAN ONLY BE OBTAINED AFTER THEY MAILED IT TO YOU!

I have spend more than 7 hours in one week alone holding for a fraud department that is NEVER available. More than 2 hours 47 minutes alone before being CUT-OFF!!!!

Macys account# can be provided at your request.

This is a systematic abuse of clients, to not provide clients the ability to get fraud rectified (fraud made possible by Macys lax purchase verification - no validation of a XXXX against personal ID - really??), and to keep account balances as valid debt when clearly it is a case of fraud. THIS MUST BE CASE OF CORPORATE FINANCIAL FRAUD. Reporting fraudulant debt falsely under FICA???

In addition Macys credit cards run by Citi bank, was then used to change my credit rating by Citibank.

- I am unable to reach Macys Fraud department
- The promises made by Macys fraud department was not implemented.
- Macy reporting my account as overdue while knowing it is under fraud investigation. This impacted my credit rating negatively
- Macys billing department can see the notes from the fraud department but is unable and unwilling to place the account on hold.
- I am unable to get hold of the fraud department.
- This cycle continues to deteriorate my credit rating

PLEASE HELP!!
Complaint sub-issue: Account status incorrect

My XXXX XXXX auto loan is reporting to credit bureau saying that I was 30 days past due back in XXXX of 2020. I have bank account statements saying I paid the monthly bill in full in XXXX of 2020. This negative credit item is affecting me with buying my first home. I have disputed this with XXXX  XXXX and the 3 credit bureau but they will not change it to the correct information. Equifax has the information right but the other two bureaus do not have the information correct. I feel like I am getting bullied by XXXX XXXX and the credit bureaus. Every time I call they do not care and give me hard time every time. Its very frustrating. Now by law im going to use my rights. The bureau 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 states a consume reporting agency can not furnish a account without my written instructions. 

Since the credit bureaus and XXXXXXXX XXXX do not want abide by the law hopefully this will make my credit report accurate.
Complaint sub-issue: Was not notified of investigation status or results

I have tried many times to get my information corrected and still unsuccessful. This company is reporting my name wrong which I believe is creating items to be on my report that are not mine. My name should be XXXX XXXX XXXX. I have submitted my forms of identification which prove my identity and have also attached them here. Also, I have sent disputes via certified mail and attached the proof! Last, the following accounts have not been investigated to be removed or corrected. Once again here are the items I am still disputing with no proper investigation. 

XXXX - XXXX I am requesting investigation of the comments, account balance, and high balance. I believe this information may be inaccurate. Immediate removal of this item is required of you. 

XXXX - XXXX Review if I was late on the dates you are reporting. Please report the payment status positive and remove all lates from reporting on this account XXXX  - XXXX Take off the late things from this account because I believe I made my payment on time. 

XXXX XXXX - XXXX Please remove the late things from this account because I believe I made my payment on time. 

XXXX  XXXX - XXXX I am requesting investigation of the account name, high balance, and account number. I believe this information may be inaccurate. I need this item removed NOW. 

XXXX - XXXX The late history shouldn't be showing lates because I feel I paid on time. Please remove the late payments from this account. 

XXXX - XXXX Please take into account status date, opening date and last activity date because it doesn't seem accurate. Please review and remove this account for the mistakes. 

XXXX XXXX XXXXXXXX I am disputing the financial obligation because there is no contract. It violates the FCRA, so please remove this collection immediately.
Complaint sub-issue: Problem getting your free annual credit report

I tried to get a free annual credit report via XXXX, but I could not get one from any of those three companies. I called XXXX and they said when they were reported, one digit of the social security number was reported incorrectly and I should send my social security card to resolve the issue. I sent it last week, but I am still not able to access it online. I tried to get it via phone call, but it keeps getting hung up at the last step.