Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I reviewed my credit report and i noticed some unauthorized inquires on my report which means some type of fraudulent activity was taken place. I ask that the following Hard inquiries listed in my FTC report to be removed.
Complaint sub-issue: Was not notified of investigation status or results

Hi Its been almost 4 months since I started disputing the inaccurate information on my credit report, I am not sure whats going on but I need these errors off my report as soon as possible. I requested for you to validate these accounts for I believe these are mistakes. The letter was sent on XX/XX/2021 but until now the mentioned negative items are still on my report nor have I gotten any response from you.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : Contact info Name XXXX XXXX Address XXXX XXXX XXXX  XXXX, FL XXXX Phone number ( XXXX ) XXXX Contact info Name XXXX XXXX Address XXXX XXXX XXXX  XXXX, FL XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX
Complaint sub-issue: Investigation took more than 30 days

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. Most of these accounts do not have an address or name attached in order to dispute the inaccurate repot.. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Remove all late payments and change the payment status to current because of Cares Act. 
XXXX Account XXXX : XXXX Please ensure that all information is accurate 2. You are in violation of 15 U.S code 1692g medical bill or personal information should not be on my report. 
Account Number : XXXX Please remove it from my credit report. Have not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( Mo ) 281 SW 715 791. I may presume that there is no proof of the alleged debt nor if any such debt in fact exists.

3. You are in violation of 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report.

Account Number : XXXX  Please remove it from my credit report. Have not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( Mo ) 281 SW 715 791. I may presume that there is no proof of the alleged debt nor if any such debt in fact exists. 



4. FDCPA section 807 Violation False or misleading representations.

Account Number : XXXX  Please remove it from my credit report.

5. You are in violation of 15 U.S. code 1692 ( g ) medical bill and/or personal information should not reflect on my credit report.

Account Number : XXXX 15 USC 1681 ( a ) you are in violation with my rights and information you want to be private thats posted on your consumer report is a VIOLATION and infringing on my right to privacy. Have not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( Mo ) 281 SW 715 791. I may presume that there is no proof of the alleged debt nor if any such debt in fact exists.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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. 
The following Accounts : XXXX : Lease with 4 late payments in the past 12 months, most recently in XXXX. account. # XXXX XXXX  : XXXX XXXX for {$2700.00}. 
Account # XXXXXXXX XXXX XXXX  : Installment loan collection for {$2600.00}. 

XXXX XXXX XXXX collection for {$1200.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX  collection for {$1000.00}. Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX collection for {$1000.00}. 
account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX collection for {$1000.00}. 

XXXX XXXX : XXXX XXXX collection for {$340.00}. 

XXXX XXXX XXXX XXXX XXXX  collection for {$230.00}. 

XXXX XXXX : Secured loan collection for {$150.00}. 

XXXX XXXX XXXX  : XXXX  insurance collection for {$140.00}.
Complaint sub-issue: Information belongs to someone else

EQ, XXXX, XXXX, This is a serious matter. 

I am expecting you to act with my authorization to immediately remove and adjust the credit report in my name with entries that do not belong to me at once! 
Please see the attached complaint!
Complaint sub-issue: Information is missing that should be on the report

I am disputing a collection from agen cy Collecto , Inc. / EOS CAA concerning a purchased debt from original creditor,  XXXX , Ac count Number  XXXX  on the illegal and purposeful re-aging of a recently purchased debt.
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Also, the collection agency EOS CAA also as not notified me in writing of the claim that a debt is owed or allowed me to dispute this debt in writing.
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Basis for the dispute : The debt collector Collecto , Inc. / EOS CAA is not reporting a date of first delinquency to the credit bureaus and the estimated month and year the item will be removed is different from the original creditor. The dates must be the same date of first delinquency. Any different date constitutes illegal re-aging.
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The original creditor,  XXXX , recently sold the debt during the 30 day dispute window in   XXXX   XXXX   as they could not validate the debt. I disputed the debt through the credit bureasu and the item was removed. However the new debt owner, Collecto, Inc.has submitted a new claim on my report.
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The Original creditor sold the debt to debt purchasers and collection agency Collecto , Inc. / EOS CAA. The Collection Agency Collecto , Inc. / EOS CAA is not reporting a DOFD ( date of first delinquency ) on my report. The DOFD is the date the account became 30 days late and no other payments were made.
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Regardless of how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change and must be listed on credit reports. Collecto, Inc. / EOS CAA has not listed this information and updates each credit bureaus weekly with new dates, continuing this illegal act I can provide reports and screen shots of clear FCRA violations in attachments of the original creditors reporting and the new collection agencies. Collecto, Inc. / EOS CAA states this debt will stay on my credit report until  XXXX . The Original Creditor states this debt will come off of my credit report in  XXXX .
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This agency is in breach of several CRA reporting guidelines as well as US law and I would like the item removed from my report.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX/Equifax/XXXX  was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XX/XX/XXXX, DEPT OF ED XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Report provided to employer without your written authorization

After viewing my credit report I noticed negative items in there the accounts I am referring are listed below.
Complaint sub-issue: Debt was paid

i have reapeatly contacted XXXX XXXX XXXX and American Financial Solutions since XX/XX/2018 regarding a medical bill obtained on XX/XX/2018, that has been paid by Medicaid. I have spoken with the supervisor at XXXX XXXX XXXX that have verified that the bill was paid. I have spoke with a supervisor at AFS who has also verified that the bill was paid. Instead it was sent to XXXX as a debt. I have been told that the information will be corrected by XXXX XXXX XXXX and AFS. It is still showing up. In addition it should never been placed on XXXX since it was paid by the insurance ( Medicaid ) in a timely manner. I had excellent credit ( 800+ ) until this was placed on my account with XXXX . I dont have money to obtain a lawyer to correct this mistake.
Complaint sub-issue: Account status incorrect

The CFPB NEEDS TO INVESTIGATE THIS NOW!!! This is in rebuttal to case XXXX. XXXX XXXX XXXX  is in violation of UDAAP, Reg Z Billing disputes and FCRA! They continue to report my account past due for XXXX and XX/XX/2020!!! They clearly know I had XXXX in early XXXX and did not get out of the Hospital and back to normal until early XXXX!!! NO ONE WOULD TALK TO MY HUSBAND TO GET ME ANY HELP ON MY ACCOUNT!!!! THEY SAID HE WAS NOT ON THE ACCOUNT AND COULD NOT ASSIT HIM!!! HE THEN PASSED AWAY FROM XXXX  IN XXXX BY THE TIME I COULD GET IN CONTACT WITH MY XXXX XXXX I HAD {$100.00} 'S IN LATE FEES AND MY CREDIT IS RUNIED!! 

They told me, oh had they been aware, there was options that could had prevented all of this!! Well my husband tried making them aware!! They would not talk to him!!! The same for my XXXX Account! 

I almost died from XXXX  AND THESE XXXX UP LENDERS DO NOT CARE ABOUT THE CONSUMER!!! THIS IS UDAAP!! HOW COULD I WHEN ON LIFE SUPPORT CALL ANYONE AND THEY WOULD NOT TALK TO MY HUSBAND! ONCE I COULD, I PAID THIS ACCOUNT IN FULL AND THE COLLECTION REP SAID, MY CREDIT SHOULD BE CORRECTED, BUT I WOULD NEED TO FILE A DISPUTE FOR BOTH THOS ACCOUNT AND XXXX. HE SAID SOMEONE SHOULD HAD TALKED TO MY HUSBAND AND I SHOULD HAD BEEN OFFERED THE ASSISTANCE OPTIONS THAT WERE AVAILABLE!!! 

I PAID THIS ACCOUNT IN FULL AND THEY TOLD ME MY CREDIT SHOULD BE FIXED NOW FIX IT!!! I HAD TO XXXX MY DAUGHTER WHO XXXX FROM XXXX LAST MONTH BECAUSE THESE CARELESS XXXX  RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!! 

OH - THE REG Z VIOLATION IS THEIR FAILURE TO RESPOND TO MY BILLING DISPUTES I ISSUED TWICE!!
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX was paid in full, they were only paid late because of their insurance and its ineptness not due to any fault of my own. They have refused to fix the status of the account for years. 

I am simply asking now to be accurate across all 3 bureaus. My issue is with Equifax who shows this debt is unpaid when it was paid IN FULL!
Complaint sub-issue: Company closed your account

Citi bank forged my diseased wife 's name to close my Costco acct in retaliation for me using cfpb to force my city bank credit card closure. Is this a criminal case.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

1 ) My family booked a trip to trip to XXXX and XXXX from XX/XX/20 to XX/XX/20. It was at a beautiful XXXX XXXX that I have stayed at before. 
2 ) I purchased this trip with a {$500.00} deposit and a {$6800.00} final payment for a total of {$7300.00}. 
3 ) The resort closed down due to Covid and I was unable to travel. Note I did not cancel the trip, the resort closed. I have submitted proof of their closing down. 
4 ) XXXX would not respond to my emails or phone calls, ( see attached ). When I did not get a reply, I disputed the charge with my Discover Card. 
5 ) I initially received a temporary credit, but then Discover said they found in the merchants favor. My calls to Discover card have fallen on deaf ears. I tried to explain to them, that I did not cancel the trip and I wanted to go on the trip. 

This situation is almost comical, how can I be charged by a merchant who canceled on me??? 

Please help. {$7300.00} is a lot of money. 

Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX I wrote a check for {$160.00} to the XXXX XXXX ( Independent Agent for XXXX XXXX XXXX ) for a New Auto Insurance Policy. The Agent XXXX XXXX cashed this check but pocketed the cash and Did Not send Any money to XXXX XXXX XXXX On Wed.  XX/XX/XXXX I left a message on my banker 's phone ( after hours ) about this Fraudulent activity. The next day ( XX/XX/XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX  XXXX, Ga. ( Synovus ) ) called me. He had Researched this Situation and Informed me That XXXX XXXX had been arrested on multiple Fraud charges like mine. XXXX and the Bank had Proof Positive that I had Indeed been Defrauded and normally the Bank would Credit My Account for the {$160.00}. BUT ... since this is Now a Criminal Case the bank is NOT going to credit my account for Any money. They suggest that I go to the XXXX, Ga. Police Dept and register a Complaint if I want My {$160.00} Back. I Do n't Understand Why the Bank does n't give me MY Money back and go after the Criminal to get Their Money back???
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting 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. Also states a consumer reporting agency can not furnish an account without my written instructions or consent.
Complaint sub-issue: Was not notified of investigation status or results

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance.
Complaint sub-issue: Information belongs to someone else

The cbna had a hard inquiry on my credit report 2 times and I did not authorize them to run my credit. It 's the CBNA
Complaint sub-issue: Problem with fees

As usual Sears credits my payment first to regular purchase, and the remainder, if any, to promotional purchase, but in XX/XX/XXXX 's statement the billing section did it differently : Sears credited {$440.00} to a promotional purchase which will expire on XX/XX/XXXX and {$130.00} to regular purchase ; this way of calculation showed that I did nor payoff the regular purchase in the previous month, and Sears could charge interest fee. 
On XX/XX/XXXX l wrote to Searss Customer service a letter a letter disputing the interest and asking Sears removing the related fees. Not only Sears did not answer my letter, but also charge monthly interest fee totalizing {$39.00} of XX/XX/XXXX 2021
Complaint sub-issue: Funds not handled or disbursed as instructed

To whom it may concern, I need your help. XXXX  is XX/XX/2022. I made 3 transactions for scammers via XXXX, and the total amount I lost was {$2900.00}. When I know they are scammers. I went to US bank in XXXX to support me. I told the banker to cancel my transactions. she said she could not do that. I asked her to create me a new account because I worry the scammers will hack my account and steal my money again. Today I called customer service of US bank. Once more time I asked for help me cancel my transactions. She said she can not cancel those transactions. She said it is my fault. I was not in control of my account. I also told her " my transaction is under Federal Regulation E. '' The US Bank must help me. I need US bank to protect me from scammers. I feel the rights are not spent for victims. When I know my transaction to transfer for scammers. I told them please help me cancel it. They did not do that. If those transactions can not continue, the scammers can not do anything, and I can not lose my money. It is my money. Why I can not decide on my transactions? I feel unfair when I hard work to earn my money. This is my property that I earn it a long time. I also asked the banker : " how do US bank protect customers like me? '' What is the responsibility of the bank? They just said, " I am so sorry, this is my policy. '' I Do not know what is weird ] the policies just protect scammers. Nobody would like to become a victim of scammers. If I know they are a scam, I have never taken this call. I never and never send money from them. Since {$3000.00} is a big bill for me, I called many phone numbers to help me including XXXX, bank customer service, and a police officer. No one can help me. I do anything to get my money back. I feel hopeless in this life. The rights are not for a victim like me. I need to help. I need to protect and a fair. I hope someone could help me. This is the reason I am sending this letter.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax removed a negative account from my XXXX  file, XXXX XXXX which I never owned, then dropped my XXXX score from a current XXXX to a XXXX ... .while I have nothing but current paid credit account, along with increased credit lines over past 2 months from accounts ... my score is being low based by their system
Complaint sub-issue: Debt is not mine

I have sent many disputes to the Credit Agencies and to ECMC in regards to the XXXX accounts that they are inaccurately reporting on my credit file. I have informed them many times that these accounts do not belong to me. I contacted the Credit Agencies and they stated that ECMC verified that these items are accurate. But it is ironic how ECMC will respond to the Credit Agencies but not to me. It seems to me as if they are intentionally disregarding all of my letters and the FCRA laws. I have also sent them a Fraud Affidavit and still no response from ECMC. Not to mention, these accounts are still reporting on my credit file. I need your assistance in getting this matter resolved.
Complaint sub-issue: Was not notified of investigation status or results

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX  {$360000.00} / XX/XX/2022
Complaint sub-issue: Information belongs to someone else

I believe I have been targeted by identity theft and Equifax and XXXX  both are being deliberately uncooperative. Thankfully XXXX  still follows standard procedures. I have reported numerous inquiries as fraudulent to Equifax, and also a medical issue showing a collections on my report. I have called the medical company and there is a XXXX balance. I owe no money to this institution. I believe years ago there was something I disputed with this institution because they had tried to send me a bill they couldn't even make clear to me what it was for. It made no sense to me and I had believed it was some kind of error on their end. I never received the bill until the collections agent got in touch with me. It was only {$50.00} so I paid the collections because I was receiving harsh threats from them and the amount had to be paid " or else they would put it on my credit report ''. It seems they decided to do it anyway after payment. Equifax responded to my first letter, ignoring completely this vague medical issue that doesn't even have a balance, and refused to investigate the inquiries. They responded the day they received my letter a month ago, " stating all on my report was factual. '' My 2nd letter was responded to more slowly and they replied that " there are no files on my report with the credentials I provided ''. They address their response to " XXXX XXXX '' instead of " XXXX '' as they had done the first time. I provided proof of my identity and again explained the issue with the fraudulent inquiries. This letter and the rest have been completely ignored. When I call them they say " we do not investigate inquiries. It is not our responsibility. You have to file a police report for such things. '' Naturally, I attempted to file a police report and the police confirmed it is their responsibility to handle such issues. I know for a fact my inquiries were not investigated as there are inquiries on my report from companies that no longer exist ( XXXX XXXX for example ). Had they done their investigation they would have discovered that the creditors can not provide proof of any document that I authorized a credit pull. 
XXXX has simply ignored all letters that I have sent to them over the past 5 weeks or so and they have no intention of doing so. They also claim it is not their responsibility to investigate identity theft or fraudulent inquiries, and that I have to deal with it through the police. Both of these companies have had ample time to respond and refuse to answer, and by law, are required to remove these harmful and inaccurate records from my report. I am being personally harmed by this as I need to apply for a loan and I can't, because of these excessive inquiries. I will soon be forced to take legal action if they continue to violate my rights under the fair reporting act. Please assist
Complaint sub-issue: Information belongs to someone else

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Complaint sub-issue: Account information incorrect

I sent a dispute to get a creditor to update payment history. Which they did and all credit bureaus showed status update All 100 % on time and Ballance decrease. All but one credit bureaus showed a point increase. Equifax dropped my score XXXX point for no reason instead of increase
Complaint sub-issue: Public record information inaccurate

On or around XXXX, XXXX 2021 XXXX, Equifax, and XXXX took it upon themselves to start reporting a bankruptcy on my consumer credit report. After I contacted XXXX, Equifax, and XXXX, all three credit reporting agencies said that the bankruptcy ( XXXX ) was accurate and came from XXXX. On XX/XX/2021 XXXX sent me a correspondence which is included in the attachments, saying that " After their reinvestigation of the data in question, XXXX was unable to verify the accuracy of bankruptcy case number ( XXXX ) ''.