Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive notice of right to dispute

This company reached out to my employer the week of XX/XX/XXXX. They advised our CFO that they had a garnishment for my wages. I immediately called down to the XXXX County Court building and spoke with a representative at the garnishment desk because I had not been served any formal documentation advising of a garnishment. 
I was advised that there were no garnishments under my name at the time of the call. 

I relayed this message back to our CFO. He told me that we would address the issue upon his return. I took the liberty of researching this company online because I had never done any business with them, nor have I been advised of any potential debt owed in writing. 

I even reached out to this company through their published number for customer service and no one has called me back to discuss this matter and/or provide paperwork verifying this debt. 
I noticed there were several complaints against this company for arbitrarily taking the wages of hard working people under the guise of a " wage assignment ''.
Complaint sub-issue: Problem accessing account

I have been trying to link my checking account to the investment site XXXX   and have been unable to do so. It is very frustrating because I am trying to start investing my money. I can not do so if I can not access my account through this app.
Complaint sub-issue: Debt was result of identity theft

To Whom you may Concern, I have recently been looking at my future to try establishing my credit to get resources that would hopefully help my future be secure, however I have come across complication on credit that is questionable and I need these to be corrected .I am in hopes that all things can be corrected and solved so I am able to move onward and upward to have better and greater future. 

Thank you in Advance Respectly, XXXX XXXX
Complaint sub-issue: Personal information incorrect

I attempted to check my credit score. My SSN wasnt accepted and so i wasn't able to apply for a loan. I was also denined completing my tax return.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2019 I filed complaint number XXXX against XXXX XXXX XXXX XXXX. None of the actions described in their response received XX/XX/2019 have been honored. Instead XXXX XXXX XXXX XXXX sent me to the collection company MS Services. MS Services is incorrectly reporting my checking account as a loan with late payments. All my attempts to contant XXXX XXXX, the XXXX   representative named in the reponse letter, have failed.
Complaint sub-issue: Personal information incorrect

Dear XXXX, XX/XX/XXXX After looking at my credit report, I noticed errors with my personal information. Listed below are the problems with my personal data : Incorrect Address XXXX XXXX XXXX XXXX, FL XXXX Please delete it XXXX XXXX XXXX XXXX, FL XXXX please delete it I know that you want proof of my personal information that is listed above, so I decided to include this information in the letter to make it easy for you to delete the inaccurate personal information. Please go ahead and fix this inaccurate information and get back with me as soon as possible. 30 days should be enough time to fix this problem. If you can update me sooner that would be better. 

Sincerely,
Complaint sub-issue: Debt was paid

On XX/XX/XXXX I contacted FMS to resolve my debt based on my credit report. I asked the representative what my total balance was with their company and she looked up several accounts and gave me a large sum. I asked for a settlement offer and was told {$520.00}. I accepted that offer and paid that sum of money. I paid {$520.00} and thought that it was the end of my business with FMS. 
On XX/XX/XXXX I received 2 bills in the mail for 2 more accounts with FMS dated back to XX/XX/XXXX. I re-checked my credit report and continue to see 4 balances with FMS which are different than what is listed on the bills. I contacted the company and they didn't seem to have any knowledge of the paid accounts. After providing extensive information, They finally located my payments and informed me that I paid for a number of other balances but that these balances are unpaid. They refused to tell me which balances have been paid ( so I can distinguish the paid balances that are inaccurate on my credit report ) and they are unable to provide me with an explanation of why I still owe them after I was given a settlement balance offer to settle all of my accounts with FMS. 
I was told that I was settled up with FMS only to find out that they did not disclose 2 accounts and they are continuing to try to collect on those accounts but will not provide the info for what I have actually paid for.
Complaint sub-issue: Debt was paid

We dropped XXXX as our mobile provider in late XX/XX/2019.  (XXXX   account XXXX, I.C. System Ref. No: XXXX.)  We returned all 5 leased phones, all of which XXXX acknowledges receiving.  The 3rd from last bill (XX/XX/XXXX – XX/XX/2019) was for $XXXX, prior to their receipt of the 5 phones.  The 2nd from last bill (XX/XX/XXXX – XX/XX/2019) was for $XXXX with a credit of $XXXX, apparently for the returned phones.  The last bill (XX/XX/XXXX – XX/XX/2019) was for $XXXX.I also received a check from XXXX, dated XX/XX/2019, for $XXXX   which is apparently the reconciliation of the above amounts.  I have participated in several chats with XXXX (for which I have transcripts) trying in vain to get an explanation for several hundred dollars in charges.  On XX/XX/2019, I received an email from XXXX demanding immediate payment of $XXXX, this despite the last bill above stating "This is your final bill for wireless services" with a balance of $XXXX (copy attached). The XXXX email included:It's important that you resolve this immediately to prevent further collection action that may include:•  Your account being sent to an outside collection agency.•  Your account classified as "bad debt" with XXXX if the account remains unpaid at the collection agency.•  Your account reported to the three national credit bureaus as past due.One more chat with XXXX (XX/XX/2019) to inquire about this includes the following:XXXX XXXX. : As I check here that this charge of $XXXX on your account was your previous payment on XX/XX/XXXX that has been refunded on you back on your account .I verified that XXXX did indeed credit our Mastercard with that amount on XX/XX/2019.  (The difference is presumably charging me interest which extrapolates to about 10.8%.)  I immediately asked: "Why was this done and why was I not informed?"  However, no explanation was provided.  I was transferred to XXXX "finance team", but the only explanation I received was:XXXX : I do want to assist you with your concern. However, upon checking, there is a specific department handling the account. All payment or financial related concerns of this account must be handled by that dedicated team. It will be best if you contact them for assistance. You can reach them by calling this number XXXX to have your concern resolved at your satisfaction.You : Can I chat with them? I would like a record, please.XXXX : I am sorry but they do not operate via chat; over the phones only.You : And you can explain none of this?XXXX : I am really sorry; please do not feel that I am refusing to assist you because I will if only I have the right access. I am assuring you that if you contact them, they can answer your inquires.I subsequently received a letter from I.C. System, a collection agency, on XX/XX/XXXX saying that I owed $XXXX and have 30 days to respond.  (Their letter is datedXX/XX/2019, so I assume the 30 days ends on XX/XX/XXXX.)
Complaint sub-issue: Investigation took more than 30 days

HI U.S. Department of Education/XXXX XXXX XXXX XXXX XXXX XXXX ... ..How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't Navient student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.
Complaint sub-issue: Reporting company used your report improperly

was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 1. The following personal information is incorrect Account Number : Former : XXXX, XXXX 2. The following personal information is incorrect Account Number : Former : XXXX, XXXX 3. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX 4. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX 5. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX AZ XXXX 6. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX AZ XXXX 8. The following personal information is incorrect Account Number : Employers : XXXX XXXX 9. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX 10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 11. there is some inaccurate information reporting. XXXX  XXXX  XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 12. there is some inaccurate information reporting. XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 13. The following account is not mine XXXX  XXXX  XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 14. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 15. The following account is not mine XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 16. The following account is not mine XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 
Oh by the way I hope you understand that the FCRA states in the section below
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is reporting the account that I had with them inaccurately. Equifax is reporting that the account opened on XX/XX/XXXX which is a relatively minor issue as I read through my report I noticed that the date the account was last paid is documented as XX/XX/XXXX per their records mailed to me however on my credit report it reflects the dates XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Equifax ) which is another inaccuracy. The terms according to our agreement is a 72 month contract however on my credit report it states that the terms are 74 months. The worst part of this inaccurate reporting is that the balance according to their record is {$8700.00} as of XX/XX/XXXX but they are reporting a balance of {$9800.00} on my credit report. Clearly this account has some issues and needs to be audited, however, as of today I simply request that they remove the account from my credit report. I have tried to resolve this issue with the credit bureau 's in which I did not receive response.
Complaint sub-issue: Information belongs to someone else

My identity has been seriously compromised and abused to say the least. Im demanding that the following accounts be blocked and removed from my credit file immediately, all accounts are fraudulent. I'm also demanding that the credit reporting agencies that's reporting these unauthorized accounts show just cause via The Method Of Verification used to even obtain these unauthorized accounts. And if such information can not be granted then the credit reporting agencies shall remove the following immediately. 

1 ) XXXX XXXX XXXX {$2400.00} 2 ) XXXX XXXX XXXX   {$0.00} 3 ) XXXX/XXXX XXXX {$11000.00} 4 ) XXXX/XXXX XXXX XXXX XXXX {$5700.00} 5 ) XXXX XXXX XXXX XXXX  {$1000.00} 6 ) Missouri Div Child Support {$4.00} And also please remove all fraudulent inquiries and that's all of me
Complaint sub-issue: Account information incorrect

In XXXX of last year XXXX XXXX XXXX posted a debt to my credit file of more than {$6000.00}. I never agreed to or signed anything accepting this debt. I disputed the debt the correct legal way with XXXX XXXX XXXX who could not validate the debt but instead sent me a letter saying they would remove the entries from all three major credit reporting services. I then sent the letter from XXXX XXXX XXXX along with a demand to remove to all three credit bureaus and all three refused to remove this debt from my file and it is still there. I am demanding all entries related to XXXX XXXX XXXX or XXXX XXXX be permanently removed from all three major credit reporting services immediately. I do not owe this debt. Also, this company is under investigation from the Texas Attorney General 's Office. I have tried numerous times with Equifax, XXXX and XXXX to get this line item removed and they will not take it off. When I was sent the approval letter for XXXX XXXX XXXX, I was only approved for {$3000.00} so how in the world is there a debt of over {$6000.00} on my credit report?! XXXX XXXX XXXX nor XXXX XXXX were able to validate this debt.
Complaint sub-issue: Debt is not yours

XXXX kept reporting an unverified debt that I did not owe against me. Particularly, XXXX refused to delete an unverified collection filed on my credit profile by IC Systems Collections. I was not responsible or privy to the underlying collection. IC Systems Collections reported the same inaccurate debt information on other Credit Bureau Companies such as XXXX and XXXX. When I noticed the inaccurate debt information on my credit, I requested validation and subsequently disputed the debt. XXXX and XXXX deleted the debt from my credit account when it was found inaccurate and unverifiable. However, XXXX refused to delete the inaccurate debt information from my account hence, this complaint. Therefore, I believe XXXX is taking the reporting of the erroneous debt information personally against me. Please compare other Bureaus ' credit reports with XXXX.
Complaint sub-issue: Report improperly shared by CRC

Equifax Credit Bureau is reporting unverified accounts on my credit report.m This is in violation of Section 609 of the Fair Credit Reporting Act.
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/XXXX when I contacted the debt agency EOS CCA in regards to a remark on my credit report they could not provide me with any information regarding the account they were trying to collect for. I had no information on what services were rendered or anything. I asked for this information in writing and have yet to receive any information. I am in the middle of purchasing a home and this is when this account was brought to my attention. I immediately contacted the creditor to resolve. On the recorded call with the agency it was told to me that if I payed and settlement with a certain amount that the account would be completely removed from my credit report due to them not sending me any information before reporting on my credit!. Today XX/XX/XXXX I attempted to contact the agency in regards to the closed status showing on by report instead of the removal and they told me pretty much too bad. This is false representation on their part and should be illegal! They can not give a costumer false information and Collect money from them under false pretenses.
Complaint sub-issue: Personal information incorrect

I have an address XXXX XXXX XXXX. XXXX XXXX XXXX listed on my XXXX   and Equifax credit reports even after filing a policy report and calling the entire months of XX/XX/XXXX and XX/XX/XXXX they refuse to remove this address. Equifax has not update my credit report with any accurate information and refuses to remove a fraud account ( XXXX XXXX ). Dealing with this credit bureau has been a nightmare and I am a consumer who takes pride in having a clean and good credit report. I have filed police reports, Ive sent in countless pages of supporting documentation even a fraud license that had my name and the fake address listed on it!!!!
Complaint sub-issue: Deposits and withdrawals

Square representatives refuse to provide a trace for my money transfer to my bank account, which did not show up in my bank account and the money is missing. Square refuses to provide customer service and refuses to provide a trace on this money and will not help their customer.
Complaint sub-issue: Contacted you after you asked them to stop

XXXX XXXX  phone number XXXX. 
Called me and threatened to take me to court they also threatened to garnish my wages from work. I only make minimum wage at work and my second source of income is Social Security XXXX. They told me that this involved a payday loan that I took out from XXXX XXXX over a year ago. Which is now gone up to {$710.00} according to XXXX XXXX. When I called XXXX XXXX they told me that they sold my account papers over to XXXX XXXX. Spot loans number is ( XXXX ) XXXX. Attached is part of the second source of my income which is Social Security XXXX.
Complaint sub-issue: Account status

There are some things that I have paid off on my credit that is still showing open.
Complaint sub-issue: Their investigation did not fix an error on your report

My complaint is with Equifax. I was the victim of fraud. I have a number of collections listed on my report from over 7 years ago that do not belong to me. I filed a police report and submitted it to Equifax but they are still refusing to remove the fraudulent items from my report.
Complaint sub-issue: Threatened or suggested your credit would be damaged

My name is XXXX XXXX , a federally Protected consumer, and I am making this complaint against EQUIFAX. for committing identity theft. I never gave EQUIFAX. any permission to use any of my identifying information to comment fraud by FURNASHING FRAUDULENT ACCOUNTS about an alleged debt they claim I owe. I am legally refusing this debt pursuant to 15 USC 1692c ( 2 ). i am demanding a cease and desist of all illegal activity, any communication and collection activity and furnishing this and any alleged debt from XXXX XXXX. Can you provide me with sufficient documentary evidence that I owe any legal obligation to pay them. if this documentary evidence can not be produced by EQUIFAX. And continues its furnishing efforts on my consumer report, I will file for actual charges caused BY EQUIFAX. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. And violation of privacy 15 USC 1681 ( a ) ( 4 ) upon the receipt of the documents herein and of this notice, you are herby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Complaint sub-issue: Debt is not yours

My name is XXXX XXXX XXXX XXXX, I am submitting this complaint for myself, XXXX. Fact, the fair credit reporting act states that the banking system is dependent upon fair and accurate credit reporting so be, and I have been violated by this debt collection company. I have also been violated under the Truth In Lending Act and FDCPA by this company and lawfully demand remedy as a US consumer. PLEASE properly address & remedy the attached documentation.
Complaint sub-issue: Reporting company used your report improperly

Equifax failed to secure my and my wife 's personal data and it is now public as a result of the failure to encrypt my data. I was not directly notified of the failure to secure my data. I had to read about it on a social media press release. 

As a result of this, my wife and I have placed fraud alerts on our credit files as well as credit freezes to protect ourselves from the leak that was a result of Equifax 's negligence in protecting our data. The freezes have cost us {$41.00} so far and I would like to be reimbursed for the cost to protect myself. The costs to protect my wife and I could continue to go up and I would like to be reimbursed for the costs as it is a direct result of Equifax 's negligence.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm XXXX XXXX I sent them information from my dr XXXX sealed and they refusing. To honor the dr .s decision
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 I've sent Disputes regarding to those Unknown and Inaccurate on my credit report. Today is over 30 days but I haven't receive any response. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Problem with product or service terms changing

Credit Karma offered pre-approval credit cards and I was denied and it dripped my credit score
Complaint sub-issue: Was not notified of investigation status or results

there are several collections that don't belong to me and late payments that are not factual there is a XXXX doc attached that details each item in question that I tried verifying 2 months ago and called to follow up but the said they never received my disputes. I feel like I have been lied to
Complaint sub-issue: Information belongs to someone else

i have an account on my credit report that is fraudulent
Complaint sub-issue: Company closed your account

I received a letter dated XX/XX/20 informing me that as my Citi Double Cash Mastercard had XXXX balance, was in good standing, and had not been used for 2 years, it was automatically closed. 
This negatively affects my credit balance. 
I was given no warning. I called the company to request a reversal and they refused. 
My account was in good standing the entire time.
Complaint sub-issue: Information belongs to someone else

This is my XXXX letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following account need to be removed as they are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you claim these account are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file.

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block this account I will be referring this matter to my attorney for further action. Please do not make this a litigious matter