Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt is not yours

I am writing to you today concerning an account being reported by EOS CCA. I have made several attempts to rectify this matter as EOS CCA has now become unresponsive. On XX/XX/2020, I spoke with a representative by the name of " XXXX XXXX '' who provided me a fax and email address to send him a Debt Of Validation letter. It has now been pass 30 days of notifying them, and I still haven't received any correspondents what so ever. 
I only asked for proof of the allege debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them the total of {$990.00}. EOS CCA is falsely reporting a debt to the three major Credit Bureaus. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting EOS CCA to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX & XXXX ) on this action. They have failed to follow the guidelines which was all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, EOS CCA are violating my rights and are also causing financial hardship with this debt being reported. We are currently in a time of a Global Pandemic with the COVID-19 virus. As unemployment rates continue to increase, access to funds are crucial for survival. This false report by EOS CCA has prevented me from gaining access to any lenders due to Derogatory Marks on file. At this point they have failed to provide any competent evidence or any legal obligation and EOS CCA is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions.
Complaint sub-issue: Debt is not mine

XXXX XXXX XXXX claims I owe a debt of {$99.00}. XXXX XXXX XXXX originally sent this debt in XX/XX/XXXX to XXXX, a debt collections agency, and it appeared on my credit report at that time. When I contacted XXXX XXXX XXXX about the debt they reviewed my file and stated it was an accident on their behalf and that my account was paid in full and was at a {$0.00} balance. XXXX XXXX XXXX wrote me a statement which I sent to XXXX and they erased the debt and it came off my credit report in XX/XX/XXXX. Recently, in XX/XX/XXXX, the same debt of {$99.00} from XXXX XXXX XXXX showed up AGAIN on my credit report although it was with a different collections agency, Enhanced Recovery Company. I contacted XXXX again about this situation and they claimed they could n't help me because they never sent the debt to any collections agency. So I called Enhanced Recovery Company and they claim they can not find the debt in relation to me, not even with my social security number, so there was nothing they could do! But, the debt still appears on my credit report and is still bringing down my score! XXXX XXXX XXXX has sold a fraudulent debt to collections agencies and I am the one being punished!
Complaint sub-issue: Personal information incorrect

Personal information is incorrect, I have never used the names XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ; for purchase or to obtain credit. 
I have disputed these names with Equifax years ago and was informed that someone fraudulent used bogus names to establish credit ; and that names will be removed. Apparently, matter hasn't been resolved. Please remove from my report.
Complaint sub-issue: Personal information incorrect

I submitted a complaint on XXXX ( XXXX ) in regards to inaccuarte/wrong information displaying on my credit report. Equifax responded stating they deleted employer XXXX XXXX from my credit file which they did but did not remove an address XXXX XXXX XXXX XXXX which is no longer accurate and is considered inaccurate and wrong information. I never lived nor do I currently reside at XXXXXXXX XXXX XXXXXXXX XXXX. Equifax stated this was verified. This is not a request for verification. This is a request to Removed Wrong and Inaccurate information from credit report which they are failing to perform for some reason. This inaccurate/wrong information is violating the Fair Credit Reporting Act and Equifax should be held accountable.
Complaint sub-issue: Information belongs to someone else

I have sent Equifax two letters. 30 days back to back and never got a response to either letter.Under FCRA section 604 ( a ) ( 3 )  ( A ), permissible purpose has to be proven for the review or collection of a consumers account. There has been no communication back from Equifax or prove I authorized any of the hard inquiries on my credit history kept under my SSN number. If they ca n't provide me proof with my signature authorizing permissible purpose for each hard inquiry, these hard inquiries must be deleted for no permissible purpose or authorization. 
I have attached a copy of the letter sent by certified mail two times to Equifax.
Complaint sub-issue: Frequent or repeated calls

I took out some loans against EZ Pawn. I was told a couple of months ago that I had paid over 23,000 in interest to them. They would repeatedly text me and call me. I was very ill in the hospital and hooked up to XXXX 's when they would call me and tell me that I had " better get down there '' to make payments to them. I had to send a friend down to make payments to them. I would pay them and mail in money orders and cashiers checks to them and tell them which loans to extend only to have the dropped anyway. I am very upset that I paid so much in interest to wind up with nothing. I would not have paid them this much money had I not been pressured so much. I am very upset about their tactics. I feel that this has been a no-win situation and feel very stupid and a a big sucker.
Complaint sub-issue: Account status incorrect

I contacted EQUIFAX regarding an account reported by them as late payment to correct it. Equifax never communicate back to me regarding the account. I contacted XXXX College been on record per Equifax, they report the late payment. XXXX College advised that they are not responsible for reporting to the credit bureaus, all payments and reports are handle by XXXX on behalf of all the school. The said account is a student loan reported under my social security number reported by XXXX College according to the information on file with Equifax. XXXX College is the college I graduated from. While in college I took a federal student loan and upon graduation the loan is and has been managed by XXXX on behalf of XXXX  University of XXXX XXXX   under account number XXXX, which is also on file with EQUIFAX and the status is current. There should not be two different reporting for one single account. The loan amount is {$3600.00} under the account number XXXX, and I made a payment of {$40.00} on XX/XX/19. I contacted XXXX they advised that my account is current and no negative reporting has been made. They clearly stated that XXXX college does not report or handle this account, and there should be only one single account reported to the bureaus not two different reporting and that report should come them not the college.
Complaint sub-issue: Called before 8am or after 9pm

In accordance with the fair credit reporting act they violated my privacy and confidentiality under 15 USC 1681. In addition to wrong amounts on each credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of ed/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX self reported XXXX has violated my rights, and has continuously harassed me over the phone. each credit report has different amounts. 15USC 1681 section 602 A states I have a right to privacy. 15USC 1681 section 604A it states a consumer reporting agency can not furnish a account without written instructions. 15USC 1681c. ( ca ) ( 5 ) section states, no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.
Complaint sub-issue: Confusing or missing disclosures

I saw a program " pave the wage '' advertised by moneylion bank in XX/XX/2019. I clicked the 'opt-in ' button on my phone and then it redirects me to a new page in my browser " XXXX XXXX XXXX ''. And I thought I'm all set but just not quite sure, thus I contacted the customer service and was told there is no way to tell whether I was enrolled successfully or not. So I just move forward and meet all the requirements posted there but unfortunately I haven't seen the open account bonus. Trying to contact the customer service couple of days ago, the response is they could not find my name on the list which means I'm not eligible for the bonus. It's kinda of a cheating, if they can not see my name on a 'list ', why they can not tell me the in the first place. Or it's just a glitch in their system. 

Attached documents show the details and terms of this program.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a complaint stating for removal of a XXXX and XXXX bankruptcy that was reporting on my account. I sent a copy of the letter from the bankruptcy court stating that they do not report to credit bureaus and therefore wanted the bankruptcies removed. Equifax responded and updated the credit reports to the two bankruptcies being discharged as a chapter XXXX. They also stated this was verified through a third-party called XXXX XXXX. This is false and Equifax did not verify anything with XXXX XXXX. If it would have been verified, it would not have been updated with inaccurate and even more damaging information. There is no way legally, I could have filed and had two bankruptcies discharged through Chapter XXXX as they indicated.
Complaint sub-issue: Trouble getting information about the card

Direct Express, https : //www.usdirectexpress.com/how_it_works.html, is a XXXX for the Social Security Administration ( SSA ). Direct Express is a subsidiary of Comerica Bank, https : //www.comerica.com/about-us/company-overview.html. Direct Express delivers people 's SSA benefits to their Direct Express credit cards from which these customers can spend and receive their SSA benefit money. Direct Express represents to SSA that their credit card is a XXXX XXXX brand and that they abide by all the terms, conditions, and administrative procedures that the XXXX XXXX brand represents. In the course of customers attempting to communicate with Direct Express Customer Service about their existing accounts, some select Direct Express employees are engaged in perpetrating Identity Theft of customers ' confidential information. These select criminal Direct Express employees deploy a mode of operation where they will not allow conversation with the customers about their Direct Express accounts unless the customers provide most unnecessary confidential ID and Asset information, including all Credit Card Numbers, all Account PIN Numbers, specifics on all income sources, Account Numbers and PINs for all bank accounts and financial holdings, and all mailing addresses and phone numbers associated with all financial accounts. These procedures are way outside of XXXX XXXX brand guidelines, and in fact XXXX XXXX itself publishes that such tactics constitute attempts at Identity Theft.
Complaint sub-issue: Didn't receive enough information to verify debt

I originally sent a validation of debt letter to the EOS CCA XX/XX/2019. The letter was ignored. Then I wrote a second letter to EOS CCA. I will attach the letter to the CFPB today. The letter included a cease & desist. For this reason, I had the document notarized by XXXX CT. town hall. I immediately sent the document to the EOS CCA collection agency. I was explicit in instructing EOS CCA in the validation of debt letter to explain several key points. I asked for clarification about how the amount in question had arrived. I asked the agency to complete my request in a way in which I can understand. For good measure, I asked that EOS CCA prove that they're licensed in my state. The agency were requested to provide their license number to me. In the end, my letter instructed EOS CCA to ONLY contact me through the United States mail. On XX/XX/XXXX I received in the mail EOS CCA 's response to my validation of debt letter. I have enclosed the agency document for your review. Altogether, my requests were completely disregarded. In the final analysis, the response shows no details of how the alleged amount was calculated. The agency proceeded to ignore my request. EOS CCA contacted me XX/XX/XXXX through my cell phone number. They demanded my social security number in order to verify me which I was not comfortable giving them. The rep insisted there was no other way to verify me and as a result their was no just reason to respect the cease and desist?. In brief, my work number was never provided to them by myself and XXXX XXXX never had my work number. The representative made mention that in their notes they were well aware of my cease and desist. They still contacted me through my work/cell number after I stated only by mail. I have been given no reason to trust this agency especially with such personal information. All things considered, EOS CCA has violated my rights over and over again. Given these points, I am enlisting the help of CFPB that EOS CCA agency CEASE & DESIST immediately.
Complaint sub-issue: Was not notified of investigation status or results

I have sent you multiple letters disputing these accounts. The first letter I sent on XX/XX/2020 asking for you to verify these accounts you responded with verified. I sent you a second letter on XX/XX/2020 I asked you to provide me with account level documentation from your investigation and on how you verified these accounts you responded again with verified which is an unacceptable response under the FCRA I have a right to any and all information used to verify any account added to my Consumer report please provide me with the documentation used to verify these accounts or delete these accounts immediately! 
XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Credit Karma says I was pre approved for offers and it wouldnt effect my credit score and it all was a lie.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

On XXXX XXXX I received a letter dated XX/XX/2022 stating they received my request regarding inaccurate information on my credit file. I never submitted any dispute! I already received my report XX/XX/2022. Looks like someone else requested there report & have not received it because once again Equifax has comingled someone else 's request for there report.
Complaint sub-issue: Problem getting your free annual credit report

Following a credit denial letter from my mortgage holder, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX CA XXXX. Phone XXXX on XX/XX/2020. I contacted the main source of the derogatory report, Core Logic Credco of XXXX XXXX XXXX, XXXX XXXX CA XXXX on XX/XX/2020. 
Based on an FTC document, Core Logic Credco provides supplemental information to the major credit reporting companies and is required to provide consumers a copy of any report used in a credit decision by its customers. 
I identified myself to the Corelogic Credco agent as a requirement for receipt of the report and after this the agent demanded access to my Consumer Credit file. I refused and the agent in turn denied me the report.

I am uncertain about the legitimacy of this arrangement because credit inquiries will negatively impact a credit score so why is the source of consumer credit transactions trying to downgrade my credit? 
I demand a copy of the information they claim to have on me. I have given Corelogic Credco my PII including my social security number and now I am concerned. 
Thank you for any help in this matter.
Complaint sub-issue: Talked to a third-party about your debt

I received a call today on XX/XX/XXXX from a fictitious number leaving a very vague message from a representative at the extension XXXX. On the same day a friend sent a screenshot of the voicemail to text, that the same representative called and left. Today on XX/XX/XXXX was the first time I have heard from this company. I XXXX  the number and found it belongs to XXXX XXXX XXXX, XXXX. Below is a transcription of the voicemail that was left by the representative. 

Hi Good morning Ms. XXXX, this is XXXX. I am reaching out to you XXXX in regards to the notification that my office has sent out to your mailing address. Its in reference to the paperwork that we have here concerning yourself. We still as of today have yet to get any sort of response from you and prior to making any sort of recommendations, Im really hoping for an opportunity to go over the full details of this with you directly. If this is something that you would like your input considered on before anything is decided, Ill be here today until about XXXX O clock Eastern time. My direct number here is ( XXXX ) XXXX XXXX extension is XXXX. Thank you When I returned the call, the representative was very aggressive and stated that this was regarding a debt that was referred to them in XX/XX/XXXX. She was still very vague, and I questioned how she got the contact for my friend and why she would contact a third party regarding this supposed debt. I also asked why so much time had passed before I was contacted regarding this supposed debt, why I had not received any written notice about the supposed debt, and that usually after 30-60 days of no response from the debtor the debt is attached to the credit history she claimed that it was sent via email. 

I also stated that this is not normal behavior for a collection company and formal written validation of debt is required on the debt collectors part per the Fair Debt Collections Act. The representative became irate and told me that was false and not how collections accounts were handled and that I committed a crime by violating my contract with the original debt. This company has broken many parts of the law and are using illegal tactics to intimidate me regarding a supposed debt they have yet to send a validation for. Below are some clear violations made by this company. 

1. This company violated section 805 of the Fair Debt Collections Practices Act which is public law, by contacting a third party regarding my contact information and debt.

2. This company violated section 806 of the Fair Debt Collections Practices Act by using deceptive and misleading tactics in connection with the debt. They also attempted to disgrace me by saying I was committing a crime in relation to the debt, which is also a violation in this section of the Fair Debt Collections Practices Act.

3. This company violated the Fair Debt Collections Practices Act by not sending a written proof of debt showing information about the original debt, original contract, amount owed, proof of debt etc.
Complaint sub-issue: Didn't receive notice of right to dispute

I had XXXX I 'm not sure when I contracted but when I did the installer had to enter my home through the attic. The room where the attic is located in a room I rarely enter so I did n't notice that the installer damaged my property until later. I notified XXXX on a call to them while addressing another issue be it there poor service which went out quite often or an occasion where a representative was very rude to me and refused to transfer and I had to escalate the call. At any rate, I ended up canceling the service when they renigged on offering a payment plan and then said they did n't and it was just one thing after the next. They threatened to take funds out of my account which I did n't have and said that is what I agreed and then refused to send me the contract. When I mentioned the damage they then sent me on a wild goose chase to file a claim for which the company has no affiliation with them. Some of the interactions were just simply unprofessional and not very helpful. When I finally received a call from a collection company I informed them of the damage and advised that I was disputing the amount which is {$100.00} and asked if I needed to place the information in writing the representative stated no. I did n't receive any additional calls from them. It 's the New Year so I wanted to take a gander at my XXXX and low and behold who has placed a Collections on my file. I am still in dispute with this and feel that they should have investigated this claim that their employee damaged my property. Then they damage my credit this is unfair treatment but this is how they have been treating me since I 've made my claim. Please investigate XXXX and the Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. You attention is greatly appreciated.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX, XXXX in natural person, creditor, and consumer status MAKE OATH AND SAY THAT : I am providing this statement pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft sent on XX/XX/2021.
Complaint sub-issue: Transaction was not authorized

A few months ago I started receiving emails from PNC stating that I had an account that was low on funds. I immediately contacted them by telephone to explain that I had no account with them and to please remove my email from the account in question, as these alerts were clearly not applicable to me. Despite repeated attempts to call and email them to stop this practice it has continued on a daily basis. I do not know if someone has stolen my identity and is using my email for a fraudulent account, I really have no idea what is happening here, but PNC is clearly non-responsive to my concerns.
Complaint sub-issue: Information belongs to someone else

Equifax, XXXX and XXXX XXXX are not responding to my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Complaint sub-issue: Was not notified of investigation status or results

Hello, my name is XXXX XXXX, I received my credit report to find that things were put on my report that was not authorized by me, I didnt give anyone written consent.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of intormation Anv other adverse item of information, other than recoras or convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate