Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Their investigation did not fix an error on your report

CEASE AND DESIST IMMEDIATELY XXXX XXXX am a NATURAL PERSON, in accordance with 15 U.S.C 1692c I am advising you, XXXX, XXXX, in writing that I refuse to pay the alleged debt. I am demanding you cease all forms of communication with me through every illegal avenue. You have caused me mental and financial stress when you issued a debt that does not belong to me the natural person and which I am not responsible for. 
I DEMAND THAT THIS CONTRACT BE VOIDED!! Cease and desist all collection attempts on this false debt I refuse to pay. 
According to 15 U.S.C 1692c ( c ) ( 2 ) I am invoking my specified remedies as a consumer and original creditor I demand all of the following : An audit trail of the alleged debt.

Zero out the balance of the account. 
STOP & DELETE negatively reporting to all consumer reporting agencies DELETION from all consumer reporting agencies If there is no response or compliance to this cease and desist it will be another violation under FDCPA for willing non-compliance and I will seek litigation as well as provide your entity with an invoice for every violation. 
Sincerely, XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

This is an account that has already been removed from my report, the creditor is now sold to a new company reappearing. As previously discussed and stated not my debt! 

XXXX XXXX XXXX collection Agency - XXXX XXXX XXXX. XXXX XXXXXXXX XXXX to do not any legal rights to post on my credit report. I nor them have a signed contract regarding this claim. 

Resulting in this claim has dropped my credit score. 

The collector must send you a written notice within five days after you are first contacted to tell you the amount of money owed, the creditors name and what to do if you believe you do not owe the money. This validation notice warns you that if a debt is not disputed it is considered valid. - this never happened the debt collector did not follow suit.
Complaint sub-issue: Debt is not mine

THIS COLLECTION IS BEING REPORTED ON MY XXXX CREDIT FILE THIS IS NOT MINE
Complaint sub-issue: Information belongs to someone else

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. DEPTEDXXXX XXXX {$4000.00} DEPTEDXXXX  XXXX {$2000.00}
Complaint sub-issue: Information belongs to someone else

After seeing recent media on hacks on the american publics information I pulled a copy of my credit report to see if all my information was correct, and no one was falsely using my information, to my surprise I had several addresses, accounts and inquires that I've never been associated, seen or applied for or every inquired on credit at these businesses below are a list of false information due to identity theft on my credit report.

I have never lived or been associated with these addresses below : 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  I have never applied for credit resulting in a INQUIRY with these companies below : XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX onXX/XX/XXXX Below are a list of Accounts that are fraudulent I have no knowledge of them at all Account Name : XXXX XXXX Account Number : XXXX  Date Open : XX/XX/XXXX Balance : {$1000.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX   Date Open : XX/XX/XXXX Balance : {$1000.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  Date Open : XX/XX/XXXX Balance : {$170.00} Account Type : Collection Account Name : XXXX XXXX Account Number : XXXX  Date Open : XX/XX/XXXX Balance : {$170.00} Account Type : Collection Account Name : XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1500.00} Account Type : Credit card Account Name : XXXX Account Number : XXXX   Date Open : XX/XX/XXXX Balance : XXXX Account Type : Collection Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open:XX/XX/XXXX Balance : XXXX  and XXXX Account Type : Credit card
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Its hard inquiries on all three bureaus that I dont recognize. Its been 90 days since the last time I tried. I need these off so I can further my credit journey.
Complaint sub-issue: Investigation took more than 30 days

new and updated information. Company has not responded to my letter that was received XX/XX/2022 Company has violated my rights by not completing investigation within 30 days and by furnishing my personal information to companies without my consent.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I reported that I had charges on my card that i didnt make and couldnt account for. they took them off and told me I wasnt responsible. I received notification by phone and then by mail in the 3rd week of XX/XX/2020 that I was responsible for these charges and they would be  placed on my bill again. 
I was told by the card investigator " XXXX '' that the reason why was because i " paid on the the fraudulent charges '' ( I never knew they were on the statements, I was just paying like I always do monthly ... ) and that there was a return or return ( s ), I dont know for sure, she wasnt specific, on some of those unknown charges, so that couldnt be fraud ... so basically accusing me of outright lying to her. Even though I had signed and returned an affidavit swearing that I didnt have my card or make any charges, nor have knowledge of those charges, which I did not. I only found out that my card had this balance when a third party monitoring service text my phone. it was only then I realized my balace was over XXXX $ that I had no clue about. I called IMMEDIATELY at that time and reported the activity I had no clue had taken place. I had knowledge of ONE charge, at quality used auto. before that, by card had less than XXXX $ balance on it. I knew what my balance was and I dont use my cards. All my cards are XXXX. so the alert came in and said your balance is XXXX $ and I had a XXXX XXXX nearly! So, anyway, discover decides after their " investigation '' that they are putting it back on my account. Now they refuse to allow me to re report it as fraud to them. they refuse to give me a telephone number to their fraud investigator so that I can explain to them why I " paid '' on the " fraud charges '' I didnt know existed. the representatives I speak to can not help me and are not interested in my rights being violated by XXXX.
Complaint sub-issue: Account information incorrect

I purchased a car and used XXXX XXXX XXXX to finance the car. I had made all of my car payments on time when I had a catastrophic accident in where my car was totaled. My insurance company paid XXXX XXXX XXXX the balance owed on the car at the time of the accident in where the insurance company totaled out my car. I then got a collection letter from a third party notifying me that my account with XXXX XXXX XXXX was delinquent and I needed to make payment arrangements on said account. Once I was notified of this I contacted XXXX XXXX XXXX to have this issue addressed and to verify they had received payment of the balance owed from my insurance company at which time they confirmed they had. Once this was done I was told that I would have no more issues. I recently checked my credit report and found this not to be the case at which point I sent letters to each perspective bureau and one to XXXX XXXX XXXX. After 45 days XXXX XXXX XXXX hadn't responded to this issue and the two credit bureaus stated their investigation showed as completed and that I indeed owed the amount in which was reflected on my credit reports which is simply untrue. I am looking for your assistance in this matter. I have attached all the necessary items needed to clarify this most important of situations.
Complaint sub-issue: Account status incorrect

All XXXX major credit reporting agencies allowed companies to report late payments to my credit files. However, XXXX passed the Heroes Act Section 110401. This LAW states that NO COMPANIES ARE ALLOWED TO REPORT LATE PAYMENTS TO OUR CREDIT REPORTS, during the pandemic, which started XX/XX/2020 and is still ongoing.
Complaint sub-issue: Account status incorrect

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXXXXXX XXXX {$0.00} XXXX XXXXXXXXBalance {$290.00}
Complaint sub-issue: Can't close your account

I opened an account with us bank. A few days later I get a call from a man named XXXX. From the fraud protection department he was accusing me of attempting to fraud the bank. He then told me the accounts will be closed. I still haven't receive the money from the account XXXX put a hold on the account and he's the only one that could lift the hold they say. He never returns any of my calls. All I want is my money in the account
Complaint sub-issue: Transaction was not authorized

i made a promotional purchase on line and paid XXXX for the product on XX/XX/2022 but was emailed four aditional charges of XXXX and XXXX dollars all showing i purchased XXXX XXXX XXXX i contacted the company and was not able to get a response.
Complaint sub-issue: Account status incorrect

In XX/XX/XXXX I obtained a leased vehicle with XXXX XXXX services through their dealership XXXX in XXXX. About 2 years into the lease I was contacted by the salesman whom offered me to upgrade my vehicle into a XXXX XXXX XXXX XXXX XXXX. I went to the dealership and signed the papers and traded my old XXXX XXXX for the new XXXX XXXX XXXX. About 2 weeks after I had the new XXXX XXXX, the dealership contacted me and told me that they had calculated the incorrect payoff amount on the vehicle and that I still owed a payment. 

At the time I was in college and a student, I could not afford to make a second Car payment and told the dealership that this was not fair as they can not contact me 2 weeks after I drop the car off and tell me I still owe money when I signed the contract already. I offered to bring the car back and return it for my old vehicle but they said it was not possible.

About 6 months later, I received a statement in the mail indicating that I would need to payoff the balance left on the vehicle or I would owe a significant amount of money as they would charge the account off. I phoned them and although still annoyed that I had to pay for the dealerships mistake, I agreed to pay off the balance. The representative then informed me that the car had already been auctioned and I now owed them around {$3200.00}. At that time it was completely impossible for me to pay since I had just come out of college. 

2 years later and finally agreed to settle the balance with them as I needed to obtain a loan for housing. I paid the amount and the account was settled. I have now discovered that they were continuously reporting payments on the vehicle for up to 8 months even when I did not have the vehicle in my possession or was not making payments to them. This gave a FALSE date of first delinquency that continues to disrupt my credit as the charge off shows wrongly. I have paid thousands of dollars in extra interest over other loans due to XXXX XXXX incompetence to provide correct Credit reporting. Additionally I have asked numerous time through dispute and direct contact for them to assist and fix the reporting errors to no avail.
Complaint sub-issue: Used obscene, profane, or other abusive language

XXXX XXXX - Representative asked for my by my former name. I asked " Are you a debt collector '' she kept telling me she could n't say until I verified the account which is in violation of FDCPA 807 False or misleading representations - ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. The debt in question is currently in dispute with the company who sent it over to this collection agency and I 've advised them of this before.
Complaint sub-issue: Old information reappears or never goes away

Previously complained and the bureaus fixed all the accounts, but now two accounts are showing disputed again as of X/XX/2017 on all three bureaus. -Previous complaint XXXX about XXXX . -Previous complaint XXXX about XXXX . -Previous complaint XXXX about EQUIFAX , INC . They are now showing XXXX XXXX XXXX as disputed when I have repeatedly, and even the CFPB has now, advised them these two accounts are not disputed. This keeps holding up my mortgage reviews because I ca n't have disputes shows. The accounts were updated correctly before, but now these two show disputed AGAIN when I have advised numerous times I am not disputing any accounts. Please help.
Complaint sub-issue: Their investigation did not fix an error on your report

For the following accounts, I have disputed online, by fax, and through mail and the errors still have no been fixed by all credit bureaus. Some things that one or two credit bureaus deletes, one or two will NOT delete and I don't understand HOW, as it is the EXACT same information. I have been disputing for years, but very heavily began disputing more starting in XXXX of XXXX. 

1. XXXX XXXX : The payment history is incorrect for both accounts negatively showing. I have disputed by mail many times. I have attached TWO pictures of XXXX  which I pay {$39.00} for monthly to monitor my credit. For some reason, Equifax continues to have my payment history reflect inaccurately. I have NEVER been late. XXXX  shows the correct info in that I paid as agreed, yet Equifax shows that I am at least 120 days past due for one account and 30 days past due for another XXXX account. Please correct this and update my payment history as CURRENT, NEVER MISSED A PAYMENT, {$0.00} balance. Thank you. 

2. XXXX : This account was purchased by another lender XXXX XXXX, also known as XXXX XXXX XXXX XXXX and was paid in full and requested to be deleted from my credit report THREE times, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They deleted the XXXX  tradeline, but not the XXXX tradeline which is reporting negatively on my credit when I have no negative history with them. They can not validate any information either. This is reporting on ALL 3 of my credit reports with Equifax, XXXX, and XXXX. PLEASE DELETE THIS TRADELINE, as it is unethical to reflect on my credit report. 

3. XXXX XXXX  ( Balance {$5400.00}, last updated XX/XX/XXXX ) : there was fraud committed in my name and by using my SSN. Equifax and XXXX  have DELETED the account from my credit report as of XX/XX/XXXX, but XXXX  has NOT followed suit and deleted this inaccurate information. There have been no debt validations sent to me showing my signature or anything. I have fraud alerts with every credit bureau, as I have dealt with identity theft since before I was XXXX years old. PLEASE DELETE THIS TRADELINE XXXX, as it is UNETHICAL to reflect on my credit report. 

4. XXXX XXXX XXXX XXXX : This account is in good standing showing paid as agreed by XXXX  and Equifax, but XXXX still reflects a charged off amount of {$3700.00} that I do not owe. It has been paid in full and should reflect that. Please update account to PAID IN FULL and PAYS AS AGREED and close and take out of charge off status. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

On ( XX/XX/2021 ) sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I submitted to Equifax my FTC Identity report with supporting identification documents in reference fraudulent inquiries placed on my report, on XX/XX/2021. Once submitted i called the Fraud team and they told me inquiries would be removed. After, they inquiries came back as factual. I would like the inquiries removed from my report immediately
Complaint sub-issue: Received bad information about your loan

My son graduated from college this past  XXXX . Before he graduated, we called  Nelnet   (  his loan service provider ), and asked when interest on his loans would begin to accrue.  Nelnet  told us that interest was deferred for 6 months from his graduation date. Then shortly after he graduated, we again reached out to Nelnet, this time via a recorded chat and asked the same question - and were told the same answer. Mind you, we still have the recorded chat to refer to. Today, we received an email with a new statement attached, so we logged-in just to confirm all looked status quo. Much to our surprise, the distribution from his freshman year showed accrued interest. Upon calling  Nelnet  and speaking to an " Account  Manager  '' in addition to a front line phone person, we were told that his freshman year distribution was during the time period when  Congress  had repealed the " grace interest subsidy ' ' (  XX/XX/XXXX  - XX/XX/XXXX )  so interest began accruing the day he graduated and would continue to accrue until paid in full. How is it that the two initial people we spoke to at  Nelnet  via phone and live chat, did n't seem to know this? We, of course would have paid off the freshman year distribution then back in  XXXX , and not waited so interest was accruing. Additionally, Nelnet spoke to us on the phone like we had not done our research, nor were they willing to do anything for us. This is wrong in so many ways!!!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am disputing this information. And seeking reports free from EQUIFAX and XXXX  and XXXX XXXX, because they are also reporting inaccurate information. It's also a violation of my hippa rights .To third parties such as credit karma etc, its preventing me from getting proper housing XXXX, XXXX XXXX OH XXXX, XXXX , TXXXXX, XXXX XXXX NCXXXX, XXXX , TXXXXX XXXX, XXXX XXXX OHXXXX XXXX, XXXX , NC XXXX, XXXX XXXX NCXXXX  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 Never done business with these companies XXXX XXXX XXXX XXXX XXXX # XXXX XXXX listed twice with misspelled name XXXX, XXXX, XXXX, XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Ive reached out to equifax and requested that the inquiries that I am unaware of listed in the attachment for the dates that follow. ive reached out and requested that My report relefcts the correct information to reflect accurately. 

In accordance with the Fair Credit Reporting Equifax 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 602 A section 2 : It also states consumer reporting agency can not furnish an account without my written instructions XX/XX/2022 : XXXX - XXXX XXXX Address:XXXX XXXXXXXX XXXX XXXX, TX XXXX Date of inquiry XX/XX/2022 XXXX XXXX Address:XXXX XXXX XXXX XXXX, MI XXXX Date of inquiry XX/XX/2022 XX/XX/2022 : XXXX XXXX Address : XXXX XXXX XXXX XXXX, MI XXXX Date of inquiry XX/XX/2022 XXXX XXXX XXXX Address:XXXX XXXX XXXX, SC XXXX Date of inquiry XX/XX/2022
Complaint sub-issue: Their investigation did not fix an error on your report

Upon an investigation by the CFPB and supplied to the state attorney general, the creditor agreed to remove a late payment from the account. ( I will attach the CFPB documentation from the creditor ). Specifically, page 3, creditors statement of removal.

This late payment was wrongly placed on the report while on deferment for COVID affected status, thus wrongfully and illegally going against federal law.

However, although it shows no late payments, Equifax will not remove the negative inquiry and failed to conduct due diligence and read the removal request from the XXXX XXXX. 

Equifax will not accept the creditor 's statement to remove the late payment. 

Very Respectfully, XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Was not notified of investigation status or results

I sent letters again on XX/XX/2021, in regards to things that are inaccurate and unknown on my credit report. To this day, over 45 days later, I have still not received a response yet. I think they are taking advantage of me and ignoring my disputes. In Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. This information violates the FDCPA section 807 and also FRCA 15 USC 1681 A, USC 1681 # 2. They are infringing on my right to privacy and I demand that these accounts be deleted immediately from my credit report or I will file for litigation due to the stress you caused me.
Complaint sub-issue: Public record information inaccurate

The accounts with XXXX that are parent plus loans were XXXX in federal court in 2009. The company refuses to follow the order by a federal judge to stop collecting or reporting after 10 years. I am asking them to be charged with a crime.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I am enclosing my dispute information in the pdf. As of XX/XX/11 Citibank has again sided with the merchant but has not provided me with any documentation electronically ( email, website etc. ) or otherwise as to the reason why or the documents that merchant supposedly made available to them or its response.