Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive enough information to verify debt

The company TriVerity , Inc. is attempting to collect money from me in the amount of {$1100.00}. I don't know why they are saying I owe this money and how they came to this calculation.
Complaint sub-issue: Problem getting my free annual report

I filed a paper request for my credit report and have been waiting more than 3 weeks. I have not received a response of any kind. Last year, I attempted to request my credit report the same way, and also did not recieve any reply.
Complaint sub-issue: Account status incorrect

XXXX XXXX XXXX claims that I owe them {$2200.00}. After two letters sent by me, XXXX XXXX failed to provide me with the document bearing my signature, showing that I have, or ever had some contractual obligation to pay them I believe tahat this is a violation of Fair Credit Reporting Act ( including, but not limited to Section 623-b )
Complaint sub-issue: Debt is not yours

I received a " Notice of Collection Placement '' from EOS CCA ( XXXX XXXX XXXX, XXXX, MA XXXX ) for a XXXX XXXX account. The statement date is XX/XX/2018. The amount due is {$1100.00} ( {$1000.00} of principal and {$100.00} coll. costs ). 

I do not have XXXX XXXX account. I have never had a XXXX XXXX account. XXXX XXXX has never contacted me in regards to any debt I have with them. 

I contacted XXXX XXXX today ( XX/XX/2018 ) and they verbally confirmed that I do not have an account with them. They searched by name and account number, and found nothing.
Complaint sub-issue: Funds not received from closed account

This is a continuous problem with U. S. Bank. XXXX XXXX XXXX  handled all of our C D ' and upon maturity, a check was always forwarded to us right away. Since U.S. Bank bought out XXXX XXXX XXXX, we have had nothing but trouble in getting our matured C D money. 

On XX/XX/2022, one of our C D 's matured and I called U.S. Bank and talked to XXXX, alias XXXX, to have our money mailed to us. XXXX said it would be 10 days before we would receive it, but as of today XX/XX/XXXX, we still have not received our money. I called on the XXXX of XXXX and spoke with XXXX XXXX to check on our funds and she said the bank had made a mistake, but she said we should receive the funds soon. I called XXXX and XXXX in personnel for them to check on our proceeds and nothing has been received. Communicated to the bank on their email to no avail in receiving our money. This is a float on our money and these mistakes by the bank should be punishable, please accept this as a Formal Complaint.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Received bad information about your loan

I were not inform of any payment arrangements, nor did I received any letter of changes to my account. When in accutuality my loan was on forbearance and not.it in on the income driven program. 

So no the reason why late payments is on my credit report, I gave no idea? I Never had to make any type of payments since I was approve back in XX/XX/2006 until now. So maybe it was a mis hap on there part. But I never agree or sign any form make payment with this company.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX and XXXX  are incorrectly reporting the XXXX account number XXXX. ( Please see pages 9 and 10 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and the balance should have been updated on my credit report. I have contacted the ( 3 ) bureaus to have these line items updated, however I have not been successful. This incorrect reporting is harming my credit score. Please update to report accurately on my credit report.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX Department Of EducationXXXX XXXX XXXX XXXX XXXX, NE XXXX Re : Acct # : XXXX, Balance : {$4900.00} and XXXX, Balance : {$9400.00} ( Disputing All five different Loans ) To Whom It May Concern : This letter is regarding account # XXXX, which you claim [ I owe {$4900.00} and {$9400.00}, which appears on my XXXX, XXXX, and XXXX Credit Reports ] . This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation. ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, GA. XXXX Last 4 of SNN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Complaint sub-issue: Problem with statement of dispute

I am disputing the final response of disputes on my credit report. All my student loans have been discharged by the Dept. of Education, XXXX and XXXX XXXX XXXX. I have also been a victim of unfair medicare billing that I asked to be investigated and removed.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I notified EQUIFAX that I am a victim of identity theft, and they responded that they were able to VERIFY fraudulent accounts and I would like to know ow do you verify a fraudulent account on my credit report that belongs to someone else
Complaint sub-issue: Was not notified of investigation status or results

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Complaint sub-issue: Can't decrease my monthly payments

I attended The University XXXX XXXX in XXXX, Montana from XX/XX/XXXX-XX/XX/XXXX ( received an associate 's degree ). My father cosigned on a loan for {$10000.00} with XXXX, who sold my loan to American Education Services. My father passed away suddenly and tragically on XX/XX/XXXX. AES notified me promptly ( we 're talking within 48 hours of my father dying- I was not allowed a grieving period whatsoever ) that my loan is now due back in full and immediately. I suppose I should have done my research and known that in the sudden case of my father 's XXXX this would happen ( silly me for not planning ahead for such a tragedy ), but AES wo n't even allow me to adjust my payment amounts. My father had set up the payments to work with his income as an accountant. Now I, fresh out of school and working with a $ XXXX yearly income, have to make payments in the amount that was fair for a $ XX/XX/XXXX income. I have exhausted forbearance, income-based payments, and every other option that would allow me to make affordable payments. Starting in 2 months I have no more options but to pay more than I can afford to these loans, all because they wo n't allow me to re-finance based on my personal income.
Complaint sub-issue: Trouble with how payments are being handled

Loan with Access Group that is serviced by XXXX. All accounts are paid timely, but the companies have misapplied payments and refuse to make correction. Proof of payment has been provided by mail and email multiple times. 

Specifics : In XX/XX/XXXX, I made my scheduled payment but received notice that payment was not received. Contacted the company and gave proof of payment. Within a week started receiving phone calls that the loan amount was due. Again, gave information on payment that was made and was told via phone that it was misapplied and correction would occur. 

In XX/XX/XXXX, made payment as scheduled ( on automatic payment from bank for payment on the first of every month ) and the same thing happened. Except learned that they never corrected the error from XX/XX/XXXX. 

The problem now continues to happen every month. I have spoken with both companies. I have mailed them proof of payment. I have emailed representative copies of my bank statements and proof of payment to both companies. I have asked if there is anything I can do differently to help them. They just keep misapplying payments and incorrectly claiming payment is due. 

I still get a phone call nearly every week from the company and just received another notice of being delinquent with fees and late payment. Payments have been made timely and continue to be made timely.
Complaint sub-issue: Public record information inaccurate

I recently received my credit report regarding Public Records listed below : Public Record : XXXX. US BANKRUPTCY COURT, XXXX, IL. ; Reference Number XXXX ; original filing date, XX/XX/XXXX. 
2. US BAMKRUPTCY COURT, XXXX, IL. ; Reference Number XXXX ; original filing date, XX/XX/XXXX. 

I recently submitted disputes with XXXX, Equifax and XXXX on the above mentioned bankruptcies, requesting that they be verified. All three Bureaus responded that they verified the bankruptcies with the US Bankruptcy Court, XXXX, IL. This is in fact a lie. I have obtained a valid letter from the United States Bankruptcy Court stating that The United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying information from consumers credit files. ( See attached letter from The Clerk of Court United States Bankruptcy XXXX, XXXX XXXX XXXX ) This is, in fact, contrary to the findings or results of my rightful dispute asking that Equifax, XXXX, and XXXX verify the above-mentioned bankruptcies listed on my credit report. And using the third-party company, XXXX as the furnisher to verify the above listed public records is not the original furnisher of the information. But I showed Equifax, XXXX and XXXX, with the attached document from the US Bankruptcy Court Clerk, Northern District of Illinois, that they in fact, DO NOT VERIFY information with the credit bureaus. The Fair Credit Reporting Act specifically states that all items on a credit report must be verified from the original furnisher. And the US Bankruptcy Court Clerk is the original furnisher of all public Records. So, Equifax, XXXX and XXXX is in direct breach of the law by reporting the above listed public records. 

Also, I recently obtained my Consumer Disclosure Report from XXXX, in which XXXX and Equifax uses as a third-party vendor to verify bankruptcies on a person 's credit report ( See attached XXXX Consumer Disclosure Report ). In that report there isnt any bankruptcies listed associated with my social security number. 

And the addresses attached to the bankruptcies on my credit report with Equifax, XXXX and XXXX does not or have not belonged to me at all. I don't, nor have I ever been able to receive mail at the addresses attached to the above listed bankruptcies. 

The above-listed public records can't be verified and must be removed from my credit report. 

In conclusion, Equifax, XXXX and XXXX have failed to provide me with verification of the above listed bankruptcies. They are publicizing inaccurate information on my credit report. Which is a direct violation of the Fair Credit Reporting Act Section 1681 ( c ), 611 ( a ) ( 7 ) and a serious breach of my privacy rights. 

I have maintained careful records of their actions. I once again, respectfully request that Equifax, XXXX and XXXX remove the above-mentioned bankruptcies from my credit report immediately.
Complaint sub-issue: Was not notified of investigation status or results

I pulled my credit to myself for the first time 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. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 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  Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX   XXXX  XXXX
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2020 ( XXXX XXXX XXXX ) in XXXX XXXX, FL and XX/XX/2020 ( XXXX XXXX ) in XXXX, FL, I went with my child XXXX ( XXXX XXXX ) and XXXX ( XXXX XXXX ) so they could purchase a car. The intent was for them to do it on their own. However the sales person at each dealership asked if I would consider being a Co-Signer to " increase the chances '' of them getting financed. I was reluctant, but eventually said yes, however I expressed my concern with the negative affect it could have on my Credit. I let both sales men know that I DID NOT want my credit ran several times. Each time, I was assured that there would be minimal impact to my credit as they would only run my credit a few times to determine if I would be able to co-sign if needed. And if the deal does not happen, they will be sure to request to have the Hard Inquires removed from my credit immediately. 
As of this date XX/XX/2020, that has not happened. Each dealership had my credit profile hit more than Several times each. I have 10 inquiry hits from 10 different Lenders that were done by XXXX XXXX. And I have 15 inquiry hits from 15 different Lenders that were done by XXXX XXXX XXXX. That is 25 Hard Inquires that have negatively affected my credit. I am so disappointed by this. Having these Inquires are negatively affecting me in so many different ways. I would like to purchase my very first home and I will not be able to because I am looked upon as a Credit Risk having these Hard Inquires attached to me. I have attempted to reach out to each of the Auto Dealerships. They are refusing to honor what they said they would do. I have expressed to them that this is not fair to the Consumer and it is negatively having an effect on me. But they are not willing to submit a request on my behalf to have them removed from all 3 Credit Bureaus. I spoke to a rep at XXXX and she suggested I file a complaint with the FTC. So here I am. I feel that Auto Dealerships should always honor what they say especially when it comes to impacting a Consumers Credit profile. I feel I was misled and lied to by the Sales Associate at each dealership in order for them to seal the deal. And the fact is, neither of my children purchased a car from either of the dealerships. There has to be some sort of honor and trust when purchasing a vehicle. Even more so when it comes to the financing part. Running a persons credit 15 times is excessive. And wrong.
Complaint sub-issue: Deposits and withdrawals

I am emailing in regards to cash app changing my account and routing details without informing me. I had my tax refund linked to my XXXX XXXX XXXX account. The other day it just automatically changed to XXXX XXXX XXXX account. How am i suppose to get my tax refund? I've moved out of the state in which i filed, that is why i had it sent DD instead of a paper check. Now because of this change without my consent or giving me a heads up, my tax refund won't get to me until god knows when. Also my last DD for my job has to be mailed also because of this.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a car loan with XXXX XXXX. My car note is due on the XXXX of every month. XXXX reported I paid 30 days past due which is not the case. My note due XX/XX/XXXX was paid XX/XX/XXXX. When you look at XX/XX/2018 calender that is not 30 days late. Since it is not 30 days late I would like it removed.
Complaint sub-issue: Didn't receive enough information to verify debt

I have requested that this debt be validated by signed copies of the original documentation mailed to my address several times by phone and online disputes as well as on this site. These accounts should be removed due to lack of validation. The account numbers are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

Greetings, I am a customer of XXXX, CitiBank and XXXX among others. 

I have credit cards with them. I have been struggling to make my payments because of the pandemic. They refused to lower my interest rate ( XXXX and XXXX have done it ), even though most financial institutions are obtaining access to money for very little or no interest in order to pass this to the consumer and help the people with this pandemic. 

They have not offered me any serious relief nor assistance. 

Please assist. Thank you, XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.
Complaint sub-issue: Account status incorrect

Re : Ally Financial This is now part of a Chapter XXXX Bankruptcy ( Wage Earner Plan ) ... .They consistenty report this as a collection. My attorney and the Trustee have informed me that this should have been converted to the WEP. Ally has refused to change after multiple attempts thru the cedit bureaus, most recently XXXXn.
Complaint sub-issue: Account status incorrect

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. Willful noncompliance regarding account number XXXX.
Complaint sub-issue: Information is missing that should be on the report

Equifax has made an error on my birth date for some reason. As a result, impartial information appears on Equifax, with mortgage information missing, many, many accounts are missing, which put my credit rating lower at XXXX when it actually is above 800. 

I have called Equifax several times since XXXX. XXXX. Most recently in early XXXX. Each call was more than an hour. Each time the representative assured me it was fixed. It was not. 

I opened an online complaint with Equifax and sent my driver 's license, social security card and whatever they requested. They closed the dispute and said it was resolved. It was not. 

They all agreed Equifax had somehow changed my birth date from XXXX to XXXX and they needed to correct that and merge my files. It is still not done. 

XXXX I sent a detailed letter to Equifax Information Services, XXXX. XXXX XXXX, XXXX, Ga. XXXX. I wrote exactly what the representative told me to and again sent my driver 's license and Social Security card. No response. 

My final call was last week and after working with the representative for over an hour, he said the files were merged and it was fixed. It is not fixed.