Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Public record information inaccurate

This Credit Reporting Agency are showing a XXXX XXXX XXXX XXXX XXXXXXXX bankruptcy on my credit report they have stated that the data Furniture of information is a U.S. Bankruptcy Court in the XXXX XXXX of Texas. I have reached out to the bankruptcy court, and they have sent me a letter which I have attached, clearly stating that they do not provide any information to any third-party collection agencies or any credit monitoring services. They also stated they do not validate bankruptcies with other outside companies. I have challenged this information repeatedly with all the credit bureaus, and they have refused to remove the information from my report. These companies are falsely reporting this information and must remove this, according to the fair credit reporting act. this information has been damaging to my credit reputation in has cost me several opportunities for employment with very reputable. The display of this information also caused me to lose out on several real estate deals that I could not get funding for due to the nature of the items on my credit report.
Complaint sub-issue: Problem during payment process

When making payments to my Discover credit card, I initially set up my pay account information with an account number that I received when I first open my account several years ago. Over the years that card has been canceled out to the fraud or other reasons, and anytime I make a payment to that account number the payment does not reflect on my account and I am charge late fees and interest. When I called Discover they tell me that I need to update my banking information so that way the payment is applied to the correct account, however no other credit card company operates this way.  At one point I made a payment of over $20,000 and discover did not know the payment has been received or that they had the money until I called them and inquired about it. It wasn’t until after they connected me to their fraud department and took a look at the old account number to where they realized they had been sitting on over $20,000 of my money, while charging me interest and late fees on the new account number. This particular instance happened about a year ago, but it is happened quite a few times since most recently a couple months ago. It is also happening on the current bill cycle because I called today and my payment had  not been received.I don’t think it’s fair for a bank to receive such a large payment and apply it to an account that is not being monitored. If I make it  A payment to the wrong account number I can understand they would say that’s my problem. However anytime I make a payment to a closed account and it has been converted into a new card number, XXXX, XXXX, and XXXX XXXX are all able to figure out how to apply that payment automatically to the most recent account number. I believe Discover is doing something wrong by receiving payments on closed account numbers and not doing anything about notifying the consumer that they have received the money, are in possession of it, or are applying it to their account. There needs to be checks and balances for something like this.
Complaint sub-issue: Their investigation did not fix an error on your report

The FCRA says you have a duty to investigate. The 11th Circuit has clarified that the Fair Credit Reporting Act ( FCRA ) requires furnishers of credit informationlike their credit reporting agency XXXX CRA XXXX counterpartsto conduct " reasonable '' investigations of consumer disputes. The decision also identifies various factors that determine whether a furnishers investigation is " reasonable. '' The reasonableness of an investigation also depends on " what the furnisher knows about the dispute. '' The 11th Circuit explicitly rejected the argument that a furnisher may reduce its investigation simply because the CRA failed to exhaustively describe the dispute in its Automated Consumer Dispute Verification ( ACDV ) form. " When a furnisher has access to dispute-related information beyond the information provided by the CRA, it will often be reasonable for the furnisher to review that additional information and conduct its investigation accordingly. I have disputed several times and pointed out the inaccuracies yet you still continue to violate my consumer rights by " UPDATING '' the accounts instead of removing them. THIS IS ABSURD!!! 

PLEASE REMOVE TGHE ACCOUNT IMMEDIATELY!!!!!! CONTINUING TO UPDATE THESE ACCOUNTS IS A CLEAR VIOLATION!!! 


XXXX XXXX  XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! SECURITY XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX XXXXNACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXXA VIOLATION! REMOVE IMMEDIATELY! XXXXA VIOLATION REMOVE IMMEDIATEL! XXXXA VIOLATION! REMOVE IMMEDIATELY! XXXXA VIOLATION REMOVE IMMEDIATELY! XXXXA VIOLATION REMOVE IMMEDIATELY!
Complaint sub-issue: Information belongs to someone else

I went to try to get a car and they said my credit wasn't strong enough which is strange because I haven't used my credit in over 10 years. After taking a look at my credit report and noticing many collection accounts which were never incurred by me nor have I ever done business with these companies by the names of XXXX XXXX, XXXX XXXX XXXX   and XXXX XXXX XXXX. They seem to be medical bills and XXXX XXXX  neither which I have had any dealings with. I believe someone has been using my information to obtain credit or medical care without my consent. Please assist me in this matter in getting these items off of my credit. Thanks in advance.
Complaint sub-issue: Information belongs to someone else

I pulled my credit to myself for the firstime in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY FILED {$0.00} CHAPTER XXXX DISMISSED {$0.00} DEPTEDXXXX XXXX {$2000.00} DEPTEDXXXX XXXX {$620.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$590.00} XXXX XXXX XXXX {$19000.00} XXXX  XXXX {$790.00}
Complaint sub-issue: Debt is not yours

ERC has appeared on my recent credit report i am not familiar with this dept, it is not mine and should be removed from my credit report. 
XXXX was removed from my credit report and had lack of verification which was sold to ERC who has reage this account which is illegal i am also questioning ERC ability to report. 
Im asking that i recieve the original contract from XXXX showing that this is indeed my debt and also there ability to reage this account, this is multiple laws that ERC has broken i will also be sending this complaint to the FTC for them to review.
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

Unfortunately, I was not aware of the medical debts until I inquired about refinancing my mortgage. I have not been contacted by the physician or a debt collector. My understanding is my insurance took care of the amounts due at the time of service. Another factor that may have played in the miscommunication was a move in 2019. I would like to pay the due amounts to the medical providers and have this debt removed to correct my credit score.
Complaint sub-issue: Other problem getting your report or credit score

Im in the process of buying a home but my lender is having issues with pulling my Equifax credit report. I have been reaching out to Equifax since XX/XX/2019, to get the issue resolved, now its mid XXXX and still having the same issue. Every time I call them they tell me there is no freeze, alerts, or block on my account, but my lender is getting error code : EFX-E0021 Applicant file blocked at EFX. When I call Equifax they always say there is nothing preventing the lender from pulling my report. I need help getting this issue resolved so I can complete the process of purchasing a home.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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: Charged for a purchase or transfer you did not make with the card

I purchased one {$500.00} visa gift card at XXXX XXXX XXXX on XX/XX/XXXX and spent {$64.00} dollars at XXXX. The gift card should have a balance of {$430.00}. Today I logged in XXXX  to check my balance and found that there are several unauthorized transactions occurred on XX/XX/XXXX and XX/XX/XXXX in DC and Texas. The current balance is about {$50.00}. I called the customer services but they did not get me through how to get my money back.
Complaint sub-issue: Used obscene, profane, or other abusive language

I called XXXX this morning to arrange payment on my school loans that had gone to default. I dont make a lot of money, I have a lot of other bills, but I would like to be working towards some end of my debt, even if Im making small payments. The call started off relaxed as I explained I wanted to start off with small payments and increase them in the future. This is where things started to take a dark turn. I was told I needed to make a payment of over {$4000.00} up front and then go onto a payment schedule of over {$600.00} a month. I told him that was impossible. My budget allowed more towards {$100.00}. He started to become invasive in where I worked, what kind of money I make, telling me there was no way theyd allow me to make that low of a payment. I had let it slip early on in our conversation that I worked in retail and would have longer hours soon. He said I should put all of my extra money into paying my loan and that I should also use my tax return for it. I was getting beside myself and trying so hard to get him to understand I couldnt, I needed a new car ( mine is totaled ) and he took advantage that moment to accuse I was trying to put all my money towards a lengthy car payment ( not true ), to which I said, look, I have to drive to work in order to pay you, if I dont have a car to drive to work, I have nothing. I said somewhere I was borrowing my moms car and he said I should ask my parents for money to pay the loan. I said, well, my dad is dead. My mom is on a fixed income. He kept pushing that my mom should pay my loan. I said, Im supposed to just borrow my moms money and try and pay her back over 20 years? And he said like youre doing to us? I said the whole argument was ridiculous because she has no money, shes sick, and over 70 years old. He stopped pressing that point. Then he said I should get a second job. At this point I was crying. I was in therapy just to be at THIS point, I couldnt handle a second job. I was sobbing. I said I called him, I was trying to give him money for my loan. I said it was pointless to tell him, but that were at time in our country where people arent paying loans. But I called HIM. Im trying to pay and he wont let me. He finally said he would accept {$200.00} a month for 4 months and then reevaluate in XX/XX/XXXX. 

This was horrible. I was determined to start paying back what I owed and now Im fearing how Im supposed to go on without an extra XXXX dollars a month. I felt attacked personally on all sides, I felt traumas revisited, i feel less inclined to try and settle other debts, I was crying on and off through work all day. I feel abused and emotionally exploited. This is a problem because I know Im not the only one experiencing conversations like this. It is not helping and it makes me want to cancel everything and just disappear.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX Balance : {$55.00} ; XXXX XXXX XXXXXXXX Balance : {$510.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$30.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX  XXXX Balance : {$520.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

As a consumer I have the right to maintain an accurate, up to date, and % 100 true consumer credit report. Please understand that I am fully educated on the Fair Credit Reporting Act. 

As a consumer I am also educated on the dispute process and E-Oscar and I feel that I have invested a great deal of money disputing items that are in error which should not be reporting on my credit report. XXXX, Equifax, and XXXX  continues to validate propagated errors throughout E-Oscar. No human being is actually handling these disputes and this is just plain illegal. As a consumer my credit report should be % 100 accurate.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 32 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights 15 U.S.C 1681 Section 602 A : states that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states that a Consumer Reporting Agency can not furnish an account without my written instructions
Complaint sub-issue: Account status

I have a private student loan. The representative indictaed to me that i had forbearance time available to bring my account current which would avoid any negative credit reporting. She emailed me the documents, in which i faxed back on time. I expected my account to be brought current however it was still reported negative past due for 60 days although XXXX specifically told me to fax these documents and i would be all set. I check my credit weekly and noticed that XXXX XXXX XXXX the creditor whom is partnered with XXXX which houses the loan reported my account 60 days past due. When i contacted them they told me there was nothing they could do and apologize for the misinformation. This is extremely wrong and shouldnt be allowed.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C. 1681 section 602 A status, 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.
Complaint sub-issue: Account information incorrect

I've sent 2 certified letters to XXXX XXXX regarding a credit card account with a past due balance of XXXX that appears on my credit report. Two different letters were sent to verify and validate the accuracy regarding the balances and whom is responsible for servicing the account. No letters have be answered. 

I contacted XXXX XXXX via phone regarding the account and they advised another party is servicing the account that is appearing on my credit report and they provided a phone # and address. I sent a certified letter with matching certified numbers on the letter addressing my concerns on XX/XX/2022 and not received any correspondence as of XX/XX/2022. 

My integrity is being compromised as I am attempting to better my family and not being able to handle these credit reporting issues are hindering my abilities to do so.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports/files that do not belong to me.
Complaint sub-issue: Account status incorrect

I've been a customer with US Bank for many years. One day ( XX/XX/2012 ) as I was walking in to make a deposit, a banker approached me and told me I should have a credit card as well, and she thought I would be eligible since I was a home owner. 

Long story short, I walked out with a credit card and a {$5000.00} limit. I used the card for a year or so, and decided I didn't want it anymore. When I called to pay off the card and have the account close ( I didn't want a credit card in the first place ), I was given the run around. 

I called around to whichever numbers I was given and paid my account in full. Looking at my credit history, there is an account that says " In-Collections/ChargeOff ''. This is incorrect information. The account was paid in full.
Complaint sub-issue: Information belongs to someone else

This debt is my ex wife, I have requested to be removed from my name as authorized user and per divorce agreement she is responsible for the debts
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/19 I was researching small business loans and filled out a pre-qualifying offer on XXXX that was advertised as a free soft check. I was alerted immediately that a hard check went through on XXXX. I spent the rest of the night being bounced around to voicemails and various companies including Credit Plus to report the error with no response. I found later that my XXXX report had also been hit. XXXX was ran for a home loan mortgage which I never inquired about anywhere, have never owned a home. The following week, I was contacted by a XXXX " loan officer '' who said he couldn't help me reverse the credit pull but would tell me what I qualify for. I proceeded to converse with him for the next couple weeks but he refused to supply me with any XXXX paperwork or forms to complete an application and told me he wouldn't submit an application for a business loan for me unless I provided him my real number accounting books on shared XXXX docs or other unofficial forms. When I refused and asked for an official rejection letter if that was the case, he emailed me a letter that did not even contain my name or full address nor my credit score and the reasons listed for rejection didn't make sense. When I finally got a response from Credit Plus about reversing the hits to my credit, they sent me a form I never filled out for a commercial loan filled partly with info I entered on the website for my free pre-qualifying small business loan rates ( that I never got ) and partly fabricated. The PDF file itself isn't even secure! 

I didn't authorize a hard credit pull and was refused XXXX forms to apply for anything, then was given a phony rejection letter with no credit score and no proof of what I was even inquiring about. The phony authorization says commercial loan, but my credit was run for a home mortgage and I was allegedly rejected for a small business loan? Their website doesn't even advertise home mortgages. This is deceptive marketing and phishing. I was never quoted any fees or terms nor given the name of any of their alleged lending partners by the agent who contacted me. The site reads like XXXX is the lender, but the agent who called me solicited himself as more of a loan packager who shops you around but wouldn't do it unless I gave him all my personal business info with no official contract or company forms, then they show up on your credit reports as various type companies including home mortgages! I requested an official letter stating I did not apply for nor receive or accept any loan offers from XXXX but was ignored.
Complaint sub-issue: Debt resulted from identity theft

Enhanced Recovery is reporting a Fraudulent XXXX account to my credit reports, this account was setup as a result of ID Theft and I have notified them of it and they continue to report the fraudulent info even after I requested they remove it under FCRA Section 605B and 623 ( a ) ( 6 ). I also gave them the case info for the lady that the Feds arrested that was selling all my info and fraudulent id documents as well! I am in the process of a home loan and if this remains it will stop me from getting a home and I will be forced to take civil action to get this removed right away!!!
Complaint sub-issue: Account status incorrect

I wrote Equifax two letters to dispute two accounts they are reporting the payment status inaccurately. One letter was in XX/XX/2022, the follow up was in XX/XX/2022. 

Ive included both letters as well as copy of both credit reports with highlighted inaccuracies.
Complaint sub-issue: Account status incorrect

Equifax has REFUSED to properly take care of this issue. AGAIN, attached is HARD-PROOF and and FTC complaint showing my dispute of these debts IN-WRITING! 
XXXX is at fault, but Equifax is equally at fault for allowing a simple " response '' to suffice for validity of a debt from a group when I provide a real dispute response? 
Is Equifax getting some kind of payment from them for doing this and adversely affecting my credit? These are the only things negative on my report so does Equifax make money for hurting my score? Whichever the case, I am tried of dealing with this.
Complaint sub-issue: Not given enough info to verify debt

I have an unverified account from ENHANCED RECOVERY. I had previously disputed this account. I have never done business with ENHANCED RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Complaint sub-issue: Received unsolicited financial product or insurance offers after opting out

In accordance with the fair credit Reporting act XXXXXXXX XXXX  # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

36 15 USC 1666B : A creditor may not treat a payment on a credit card account under (.

open end consumer credit plan as late for purpose 100
Complaint sub-issue: Information belongs to someone else

There is an account listed on my credit report that I currently have no knowledge of. This was a result of mal practice or an error!