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

I SENT FTC REPORT ALIONG WITH BLOCK LETTERS ON XX/XX/2021 AND THE ITEMS ARE STILL ON MY CREDIT REPORT.
Complaint sub-issue: Public record information inaccurate

XXXX I have made a dispute that XXXX information is inaccurate and in return I received letter a confirming their information is accurate. On Equifax website it states and I quote " This section includes public record items Equifax obtained from local, state and federal courts through a third party vendor, XXXX. '' I'm requesting XXXX provided proof of third party vendors that provided this accurate information Equifax, XXXX information which has been provided by XXXX states information provided XXXX is accurate which in fact isn't. Both information provided by XXXX is wrong and inaccurate on both credit reports. Theirs no abbreviations on Federal court documents verifying the government building. the credit report doesn't have the full Federal court government name and theirs no full address of the federal court house on both Equifax and XXXX. By the FCRA any information placed on a consumer credit file needs to be accurate according to the document when placed on a consumers credit file. I request by law for proof of XXXX provided their Investigation is accurate.

. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent account and inquirie listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Attempted to collect wrong amount

This complaint is regarding : EOS CCA XXXX XXXX XXXX XXXX, MA XXXX Phone Number : XXXX Website : http : //www.eos-cca.com/ I was reached by telephone on XX/XX/2019 in regards to a legitimate debt that I was unaware of at the time for approximate sum of {$2000.00}. The debt collector explained to me that he's collecting a debt, etc ... 


I asked the representative multiple times if this currently, or will, reflect on my credit report. He explained clearly that it will not as long as a payment plan or payment was received. 


I told the collector that I was willing to pay the debt in full to prevent any damage to my credit, however, if I could set up a payment schedule of {$500.00} per month, I would prefer it ; again on the terms that it will not reflect on my credit report. He explained clearly again that it will not reflect on my credit report. I agreed to the plan and have been paying by the terms since. 


On XX/XX/2019 I received multiple credit alerts that there was a derogatory collection account posted from EOS CCA originating from XX/XX/2019 for the sum of {$1500.00}. This was explicitly a violation of the terms and agreement that the debt collector explained to me. In addition, the first payment of {$500.00} was not posted until the next day of origination ( the XXXX, during the call ), so the balance shown in collections was already post-payment ( not the original {$2000.00} balance and which also shows an invalid date of XX/XX/XXXX, not the XXXX ) which shows that the debt collector issued this credit hold after explaining the terms of the payment plan and setting the agreement that this would not be reflected on my credit report. 


After calling EOS CCA on 3 separate occasions on XX/XX/2019, they initially found no record of a conversation with a previous representative, but acknowledged the fact that a payment plan was in place and that there must've been contact. They also explained that there should have been no agreement with the representative and that they would never strike a deal to " not '' inform the credit bureaus. They explained that they would review the tapes and that I was supposed to call back within 48 hours to speak with a manager. 


EOS CCA misrepresented, misinformed and mishandled me and my information. Without transparency and releasing of the tapes they have on file of my conversation that set the agreement with their representative, I am at the mercy of EOS CCA and their managers, despite of holding my end of the agreement up, giving them the chance to further mishandle and manipulate me.
Complaint sub-issue: Debt was paid

Got a text from XXXX XXXX XXXX wanting me to call them or go to their website about a debt with XXXX. My account with XXXX  is current. This is a scam and is not the first time they have attempted this. They need to be prosecuted and given jail time so they can not profit from this predatory interstate commerce scam
Complaint sub-issue: Didn't receive enough information to verify debt

I am a XXXX patient, and an XXXX XXXX, XXXX, XXXX XXXX Veteran. I am in XXXX treatment. I got behind but was in contact with the company, and have resumed full payments. I have asked for a complete audit of my account and have been waiting for a call for 6 months. They would call up to 11 times a day, and email me 5 or six times a day. Now for some reason I can't get the information I have been requesting. I was told they sent an email XX/XX/2020, at XXXX, XXXX, CST. I have not received that information as of yet. When they were emailing me harassing me and doing the same up to 11 times daily I received all of those emails and calls
Complaint sub-issue: Reporting company used your report improperly

I checked online ( through Equifax itself ) and learned that I was at risk for their hack. It is unacceptable that my personal information is now lost and I will forever be at risk for identity theft.
Complaint sub-issue: Investigation took more than 30 days

I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your Company, This has cause me financial injury, this has cause me defamation of character hurting my ability to obtain credit under the COVID Pandemic crisis
Complaint sub-issue: Add-on products and services

I notified XXXX Customer Services since 2015 all my financial hardship - I was hospitalized during some time that year, I went through an eviction process and attending many appointments in the court. I was having emotional distress and deep XXXX. Has been very frustrating dealing with the XXXX ' representatives without any concrete answer from them to claim the {$10000.00} credit protection benefit to cover part of the balance that my account have. I made several call every month since XX/XX/2015, spending around 1 hour to -2 hours on the phone. After many calls they sent back and forth to different managers wait on the phone one person to another and not instructions or process to make the claim. After 2 years they sent me a letter stating that the time for my claim has expired. I found this unbelievable because I was on the phone with them for many months and they never told me how to proceed to resolve the issue. I feel like they are neglected my request for so long, I found that the misleading information and they just want clients to sign in their programs like me, paying every month {$99.00} dollars and then when I need them to comply with the agreement. I am living in a fixed income ( social security disability ), leaving here and there without home and looking to move forward with my financial situation.
Complaint sub-issue: Deposits and withdrawals

I had filed a complaint yesterday ( # XXXX ) regarding a balance discrepancy on my Citibank checking account.After submitting the complaint, I transferred {$200.00} to my savings & made a {$25.00} donation.This morning I signed into my account & noticed I got the {$600.00} stimulus & again the balance wasnt what it was supposed to be. 

Considering that the bank refused to address the 1st issue, Im going directly to the CFPB to see if you can help me resolve these issues.
Complaint sub-issue: Debt is not yours

I have a debt listed on both my XXXX and XXXX credit report that isnt mine. Over 30 Days ago I disputed this information and they have not supplied any information. 

Ive never gone into contract with this company and Im not familiar with the original creditor.
Complaint sub-issue: Personal information

I attended a session because I want to purchase a home. The HUD certified counselor pulled my credit report and discovered that my father 's credit accounts were reported in my credit report. My father and I share the same name ( Father : XXXX XXXX XXXX. Son : XXXX XXXX XXXX ) but our date of birth are different as well as our social security number. The counselor assisted me with preparing the documents to dispute the accounts. I received a letter from Equifax stating that the accounts could not be deleted. I have uploaded my credit report and highlighter the incorrect information.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$8800.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} EQUIFAX XXXX XXXX Inquired on XX/XX/XXXX XXXX BANK Inquired on XX/XX/XXXX XXXX BANK Inquired on XX/XX/XXXX XXXX - XXXX SERVICE Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX
Complaint sub-issue: Debt was paid

this company is reporting on my XXXX credit report that i owed them money i called this company and the could not find anywhere in the system i ever owed money that in fact it has been paid for several years now and have no record even ever owed money
Complaint sub-issue: Information belongs to someone else

Please investigate and remove the following inquiries and accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send these letters off and spent my hard earn money. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I am begging for help at this point!!
Complaint sub-issue: Information is missing that should be on the report

I co-signed on a car loan with my son at Carmax. Last year, Carmax XXXX XXXX falsely reported a late payment two separate times. Both our credit scores dropped and after calling multiple times we were able to get them to correct their mistake. Then a month later suddenly the loan vanished from both of our credit reports. All payment history, everything was gone. It simply said " account closed ''. We still have the car and continue making on time payments on it, but are not getting any credit score benefit from it. We have both called dozens of times and are always told they " are working on it ''. This is outrageous and is affecting our credit and we are getting turned down for loans and mortgages now. This is wrong and has caused us irreparable damage. We want all our retroactive history of on time payments up to and including the present date to appear on our reports and this loan to be put back on all three credit bureaus.
Complaint sub-issue: Information belongs to someone else

Unauthorized Inquires on all three bureaus
Complaint sub-issue: Account terms

To Whom it may concern : I am writing to inquire why my credit report continues to be downgraded when I pay my bills on time and in full. I was made aware of my latest credit score when I recently went to XXXX XXXX in XXXX XXXX to lease a new car. The deal I negotiated was for {$330.00} per month on a 36 month lease with {$2000.00} as the down payment. However, the dealer came back and said they could not get this deal approved due to my mediocre credit score. This was to my surprise as I recently pulled my credit from XXXX XXXX on XXXX XXXX and my credit report was as follows : XXXX XXXX XXXX XXXX Equifax XXXX Consequently, I called XXXX and they disclosed that there are XXXX different credit reports. My understanding is the XXXX credit agencies issue different credit reports for car dealers and financial institutions. I really need to understand how there can be a discrepancy from XXXX report to the other. I do n't believe this is in the best interest of consumers. Is there any way your agency can help in correcting my credit score so it is reflected in the most optimal way? 

I thank you in advance for your assistance and do appreciate your attention to this matter.
Complaint sub-issue: Didn't receive enough information to verify debt

Discover has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Complaint sub-issue: Reporting company used your report improperly

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax. 


1. Company Name : XXXX XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 4. Company Name : XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX - Unauthorized inquiry by Identity Theft 8. Company Name : XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXXXXXX XXXX  Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 11. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft 12. Company Name : M XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX - Unauthorized inquiry by Identity Theft
Complaint sub-issue: Attempted to collect wrong amount

In my attempt to pay the amounts listed on my credit karma report, I called XXXX XXXX XXXX   and spoke about the amounts owed. My XXXX XXXX indicates that I owe {$170.00}, {$140.00} and {$99.00}. According to the person I spoke to the agency has reported two amounts that are incorrect and it is the same account. The only amount that I owe is {$99.00} and the other two amounts are listed wrong and repeated on my credit report. I have called the collector agency ATG at XXXX XXXX XXXX today and left a message ext XXXX. The account is listed to be opened on XX/XX/XXXX and last time reported on XX/XX/XXXX for the amount of {$140.00}. The other amount {$170.00} indicates to be opened on XX/XX/XXXX and last reported on XX/XX/XXXX. 
The person from XXXX XXXX was able to provide me with the information for {$99.00} from ATG-account # XXXX. She had no record of the other amounts.
Complaint sub-issue: Problem with personal statement of dispute

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/202XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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: Transaction was not authorized

I lost my debit card at my job in the mall and someone must have picked it up and then I noticed that there was sever thousand worth of purchases over the course of XXXX XXXX that were unauthorized and I was not in the state at the time I was visiting my cousins wedding in XXXX, ( fraud happened in XXXX  ) the bank had refused to accept my dispute over 4 times now. Each time with a XXXX reason like, seller contact when I reached out to see if they could help and they used that as one way to deny it. I just want my money back.
Complaint sub-issue: Their investigation did not fix an error on your report

OnXX/XX/XXXX, I sent a dispute letter regarding the inaccurate bankruptcy on my credit report. Equifax investigated and removed it from my credit report. A few days later it was added back on my credit report.
Complaint sub-issue: Information belongs to someone else

I contacted company explaining that I never made or authorized the XXXX transaction from lending club or so company it said on my credit score I wrote into XXXX they write back saying and explaining there was no account number active by the account number I wrote in and sent copy to them about. I contact credit card company explaining my credit card was lost/stolen but they fix part of it cancel old card and put a stop to it but do n't take transaction off that I never authorized so I never said to authorize the transaction that I never made of an account that does n't exist so I 'm really tired of this and trying to fight to get rid of the fraud charge that I should n't have to pay because I never made the purchase and its starting to really XXXX me off I 'm about to cancel and close credit card because of the company does n't wan na do their part and fix the problem ... I just mailed out a form demanding the fraud be fixed and permanently be reimburse and credited back so hopefully this works I 'm on almost 10th time contacting them should n't have to do it it should 've been done first or second time and fixed immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I HAVE WRITTEN TO THE CREDIT BUREAUS IN REGARDS TO BANKRUPTCY AND THE ACCOUNTS UNDER THE BANKRUPTCY AND STILL NOTHING HAS HAPPEN THEY BUREAUS SENT BACK LETTERS STATING THAT THIS BANKRUPTCY HAS BEEN VERIFIED WHEN THEY KNOW THAT IS A LIE BECAUSE THEY NEVER VERIFIED ANYTHING LOOK AT THE LETTER SENT BACK FROM THE BANKRUPTCY COURT AND THEY SAY THEY NEVER FURNISH ANY INFORMATION TO ANY BUREAUS BUT YET THEY KEEP SAYING IT HAS BEEN VERIFIED THEY KNOW THIS IS A VIOLATION OF THE FCRA THE BUREAUS WOULD NEVER TAKE THE TIME TO GO TO NO COURT AND HAVE ANYTHING VERIFIED SUCH LIARS ONLY THING THEY CARE ABOUT IS THE MONEY THEY GET AND NOT THE CUSTOMERS
Complaint sub-issue: Public record

Each of the following Tax liens ( State and Federal ) have been charged off. Please remove from my credit report. Thank you, XXXX XXXX
Complaint sub-issue: Received bad information about your loan

I started employment with the XXXX XXXX in XX/XX/XXXX. I consolidated my student loans with XXXX in XX/XX/XXXX to qualify for the PSLF program and made payments under the qualifying repayment options for the PSLF. In XX/XX/XXXX I secured a letter from my employer for the PSLF. Automatically, XXXX took over my XXXX consolidated loans and sent me a bill with incorrect information regarding my PSLF payments ( they claim I only made 1 qualifying payment on my DLSCNS and 23 qualifying payments on my DLUCNS ). This is incorrect because I had made 49 qualifying payments to both DLSCNS and DLUCNS. I contacted XXXX at their call center several times to correct their mistake but they have not corrected the information. I have kept paying my student loans with them making the qualifying payments since I am in a qualifying repayment plan with them. However, XXXX sent me the XXXX bill which still shows 1 qualifying payment on my DLSCNS and 23 qualifying payments on my DLUCNS. This is still incorrect because I have made 57 qualifying payments to both DLSCNS and DLUCNS.  Please help me correct XXXX mistake in calculating my PSLF qualifying payments.