Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Attempted to collect wrong amount

I XXXX am having a lot of problems with this Debt Collection Company claiming i owe a debt on a closed account on my Consumer Reports. They are saying they are the Original Creditors. I have sent several letters and at last an Affidavit Of Truth. They responded not with a rebuttal nortorized but only with a lettler. I forgot to copy my notorized Affidavit to show proof XXXX XXXX stamped the seal on it. But Acima sent a strange looking contract 2 times to me. It was for a rental property, but it also included a sectional and mattress separate debt. The 1st contrtact it was 5 pages and the second contract it was only 3 pages sent. The amounts of debt were all positive balances and not any negative balances. The total of debt was 2 different amounts. One amount was {$4300.00} XXXX and the other was {$4500.00}. They even printed my name on the signature line. It was not signed by me This Company is using profane language and obscene words to collect payments. Their logo is illegal in the letter presented to me. It is clearly Debt Collection business. 

U.S. Code 1692d - Harassment or abuse ( 4 ) The advertisement for sale of any debt to coerce payment of the debt This is fraudulent activity and this closed account has already been paid off. They are attempting to still get payments with interest which is illegal. They are not a Creditor.They are a 3rd Party Debt Collector only out to collect payments by commiting fraud.

15 U.S. Code 1692a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

The payments on the fraudulent contract are illegal according to this law : 15 U.S. Code 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
Complaint sub-issue: Account status incorrect

Equifax is reporting a delinquent account from a collection agency called XXXX XXXX for a medical bill with XXXX XXXX XXXX for {$60.00}. I paid this bill in full with the collection agency on XX/XX/18 at which time they sent me a letter stating they requested all credit reporting agencies delete the account from their records. This debt was removed by XXXX  and XXXX  the following week. I have already disputed this debt with Equifax and they refuse to remove this account and to make matters worse it still shows delinquent.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent in a letter twice one in XX/XX/XXXX and again XX/XX/XXXX about an account that was inacurrate reporting on my consumer report and when I received the results XXXX  deleted the account but Equifax and XXXX  are still reporting this inaccurate account after several attempts I received no response. I sent in MY 3RD request XXXX ago providing proof that XXXX  removed the account and still to this day I have received nothing from Equifax or XXXX. I ask that you please help me as this is becoming a hinderance to my livelyhood. I'm trying to move and this is keeping me from doing so. I should not have to keep waiting another 60 days for this to be resolved. I sent these letters certified mail tracking # XXXX and XXXX so I know they received it so what is the problem? I need answers and not excuses please help me get this corrected.
Complaint sub-issue: Debt was paid

I went through a hard time in my life, I had my auntie pass away unexpectedly from XXXX so naturally, I was spending the bulk of my money on my family. I left the payments lapse on this account with First Progress but, when I was able I paid the card off in full. I have repeatedly called them and sent numerous goodwill letters to try to get to update the late payment history on this card because it affects my chances of getting jobs or even a home. And honestly if it's easier why not just delete it the account is paid. They consistently tell me that it's not up to them, the bureaus have to do this on there own. They don't have much empathy either, just take the money and were not helping you. The First Progress Card has been paid, I would like them to update the payment history or just remove the card please so my score can increase and I can move forward with helping my family properly.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX/XXXX 2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties, THEY are responsible for, up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement
Complaint sub-issue: Need information about your loan balance or loan terms

I sent letters to the following agencies requesting information on XX/XX/2022 : XXXX. MOHELA DEPT of ED Student Loans 2. XXXX 3. XXXX 4. XXXX For all the agencies I requested the following : 1. provide proof by affidavit or declaration, sworn by wet-ink signature signed under the penalty of perjury 2., produces all relative commercial instruments and/or notices, declarations, publications, with clearly and unambiguously delineate that claimant, was fully and completely apprised of all rights, duties, obligations liabilities, costs, fees in advance or subsequent to the alleged incurrences of the alleged debt, and where there has been full disclosure of all relevant terms and conditions within twenty-one ( 21 ) calendar days of the receipt of the Notice It has been close to 2 months and MOHELA and XXXX has not responded yet. XXXX and XXXX responded but did not produce the information requested. 

I will upload all the letters to all the agencies for more details
Complaint sub-issue: Information belongs to someone else

These are not my accounts, nor did I authorize these inquiries to be pulled.
Complaint sub-issue: Information belongs to someone else

I have called and email Equifax my driver 's license and social security card and paycheck stub with all of my person information on it, I have an twin sister whose information is on my credit report, I don't own a home but her mortgage is on my credit report and some of her other bills.
Complaint sub-issue: Reinserted previously deleted info

EQUIFAX HAS VIOLATED FCRA VIA RE-INSERTION OF XXXX. XXXX SEVERALS WITHOUT 5 DAY NOTICE TO CONSUMER IN VIOLATION OF F.A.C.T.A. AND DODD-FRANK XXXX.
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity theft/fraud.

I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, EQUIFAX, XXXX XXXX XXXX   XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX, XXXX XXXX XXXX   continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Complaint sub-issue: Account status incorrect

XXXXXXXX XXXX XXXXXXXX # XXXX ARC HOMEXXXXXXXX XXXX XXXXXXXX # XXXX Subject Property : XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX I did a refinance home loan to payoff the 1st mortgage on my XXXX XXXX property in XX/XX/2020. 

While in the process of obtaining the refinance loan, the mortgage on the property was transferred from ARC HomeXXXXXXXX XXXX to XXXXXXXX XXXX 

My lender expected my refinance to close in XX/XX/2020 but due to delays in obtaining the payoff on the existing 1st mortgage, closing on the new loan did not occur until XXXX. 

I was concerned about credit bureau reporting due to the transfer and timing of payoff on the existing mortgage, but understood that the service transfer would require the current mortgage holder to suspend credit bureau reporting under CFPB regulations. 

I recently applied for a new mortgage transaction which is how I learned about the 30-day late payment now being reported by XXXXXXXX XXXX 

The XXXXXXXX XXXX automated phone system is also incorrectly reporting me due for the XX/XX/2020 payment which is also incorrect. 

Prior to the this reporting by XXXXXXXX XXXX, I have never had a late payment on any mortgage loan.
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
Complaint sub-issue: Problem with statement of dispute

They are reporting XXXX and light on Equifax. They are reporting the same account twice. When I mentioned this to the equifax rep they said well the account number is the same, the balance is the same, but the date opened is NOT. Therefore it is NOT a duplicate by our standards. I contacted XXXX and light. They said to me that they do NOT report to equifax they report to XXXX and furthermore they had NOT received ANY response from equifax regarding my dispute!!! So equifax is n't even investigating my dispute at all!! They also said that there is only XXXX account and have no idea where equifax is getting their information. They are mailing me a form to fill out regarding the XXXX account that is in dispute. Equifax refuses to investigate anything I dispute. They do NOT investigate my inquiries. Within two days they come back with their findings!! Their agency needs to be investigated for failing to do their jobs.
Complaint sub-issue: Problem with personal statement of dispute

While reviewing my credit report from Equifax and XXXX, I noticed several medical accounts in collections. Ive called the collection agency which is XXXX XXXX XXXX more than 30 times requesting verification/validation that the collection accounts belongs to me. Each time the customer service representative I spoke with stated that they cant verify the debt. Ive disputed the collections accounts with XXXX  and Equifax several times and each time it came back as verified. Ive also sent Method of Verification letters to both XXXX and Equifax. The disputes was closed because it was verified as accurate. The two credit bureaus above refused to provide me with their Method of Verification for the collection accounts with Optimum Outcome listed on my credit report. According to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available.

FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter regarding inaccurate info and unknown things being on my credit report to XXXX, XXXX and Equifax 60 days ago.I have not received as reposnse yet and seems as if my disputes being ignored
Complaint sub-issue: Information belongs to someone else

I am a victim of identity thief. My information was exposed in 2017 through equifax data breach. This information has been confirm on their website and the account were never created by me. The account itself fail to display my full name and dosent fully verify any of my information. I sent multiple request through the credit beau to investigate the information and send me any document that will let me identify the account belong to me. Even though the creditor they can not verify any of the information. I would like to see document or paperwork to know how my information was verified not just the person on the phone stating that it was. I recently got evicted from my building because they change ownership and i can not get approve for a new place to live due to the state of my credit. please resolve this matter immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, Equifax XXXX XXXX have modified credit reports & reported inaccurately for 6 months my credit score & BALANCES - My score was over 720 in XXXX & several lenders are not reporting on time or accurately
Complaint sub-issue: Account terms

Just received response from Equifax for complaint XXXX. The company did not complete an actual investigation for the second time regarding this matter. I disputed the accuracy of the information in regards to the date of first delinquency for XXXX XXXX and XXXX ( formerly XXXX Bank ). I have XXXX XXXX Bank accounts XXXX for {$6000.00} and another for {$3600.00}. The account in the amount of {$3600.00} is the disputed account which matches the XXXX collection account. The XXXX account with the amount of {$3600.00} was removed from my credit report because it is past the 7 year mark XXXX XXXX XXXX XXXX, 2008 ) however, Equifax is stating that the associated XXXX account is reporting accurate information. This is not true because the original creditor already stated to me that the date of first delinquency was in XXXX 2008 AND Equifax already removed the original creditor account. XXXX stated the same but will not dispute the information with the CRA. Please advise what my next step is in removing this inaccurate information before I can initiate a lawsuit. Thank you.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$15000.00} ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$16000.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$31000.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I would like to be provided proof I consented to these inquirys via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act Section 611 and Section 611 ( a ) of the FCRA, I demand that these items be investigated and removed from my report.

I sent a previous letter to you disputing accounts as erroneous and mailed them certified mail, return receipt requested. I received notice in the mail that you received the dispute letter. It is now a different month and I have not received any proof from you that you conducted a proper investigation or any investigation at all.

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30-day time period.

You must delete all of the disputed accounts from my report. It has been more than 30 days. You must now delete the disputed and unverified inquiries. Failure to do so can result in a {$1000.00} fine per undeleted item. 

-- - XXXX XXXX XXXX, 2021 -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2021
Complaint sub-issue: Collected or attempted to collect exempt funds

I'm XXXX and on Social Security, direct deposited into my bank. In XX/XX/XXXX, I was paying XXXX {$75.00} a month toward XXXX debt. In XX/XX/XXXX I asked them to stop because I could not afford to pay. 
On XX/XX/XXXX, Hunt & Henriques served me with a lawsuit representing XXXX ( same debt ). Hunt & Henriques tacked on {$690.00} in legal fees and did not deduct what I had paid XXXX I tried to negotiate a settlement with Hunt & Hunriques on XX/XX/XXXX and told XXXX with that firm " no ''. They wanted {$120.00} a month and I told them I could not afford to do that and explained that I am a senior on Social Security. 
I hired an attorney ( XXXX XXXX XXXX ) the next day XX/XX/XXXX, on XX/XX/XXXX the attorney received {$150.00} as a retainer. 
On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Hunt & Henriques took {$120.00} total {$380.00} from my account. My account was paperless, I mistakenly thought the money was going to my attorney as that is what we agreed on. 
On XX/XX/XXXX I realized that Hunt & Henriques was taking the money fraudulently. I notified my bank and my attorney ( who has done nothing to represent me ). Hunt and Henriques may have gotten my account information from XXXX. 
I have filed a police report, and Identify Theft Affidavit. Hunt & Henriques returned {$120.00}, they need to return the remainder of {$250.00}. 
The attorney needs to return the {$150.00} he received. It is obvious that he did not notify Hunt & Henriques he was representing me on XX/XX/XXXX, they should not have been able to take money from my account.
Complaint sub-issue: Account status incorrect

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks,
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Hello my name is XXXX I want to complain about a discover card. I have had a discover card for many years and have always paid my debt on time. in XX/XX/2020 tried to book a hotel for {$1000.00} with a discave card but my was decline multiple times. After I called to discover card centers for helping agent cant open decline payment and told me to reserve again, while I listened to her and went back to the reservation. XXXX and reserved, again, payment went through her blog. but on the second day my declined payment is open and that hotel charged me another {$1000.00} for one reservation more. its not my fault that the Discovery Card first declined my payment and after next day open my payment without my knowledge. this agent told me to reserve. and then {$1000.00} was withdrawn from my card twice. I'm a single mom, I can't pay for someone else 's mistake XXXX XXXX please help me get the money back from the discoverer card. best regards XXXX
Complaint sub-issue: Right to dispute notice not received

I checked my credit report and notice that Equidata is reporting XXXX tradelines, I never received any notification from them to dispute the debt. I sent a letter to them in reference to them not sending me an early warning notice with a right to dispute and still no response.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should 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: Personal information incorrect

XXXX XXXX acct ending XXXX had requested to delete this trade line now its time to delete this trade line
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

EQUIFAX refuses to remove the unauthorized inquiries from my consumer report even though Ive submitted via fax all of the required documents. I faxed the FTC report on XX/XX/ and Equifax continuously gives the response of not receiving it. Ive continue to have this issue with EQUIFAX every time I submit documentation. I have submitted several other faxes to XXXX which was verified by every representative Ive spoken to. I spoke to XXXX XXXX concerning this issue. Ive also spoken to Agent XXXX on XX/XX/2021 at XXXX XXXX and Agent XXXX today on XX/XX/2021 at XXXX to resolve this matter and I was told again that the issue could not be resolved! Then I was placed on hold by Agent XXXX once I requested to speak to a supervisor and was never transferred! I was directed to a totally different department that handles online memberships! And I was hold for almost an hour! I am providing proof of delivery by fax via transmission verification report provided by XXXX to show that EQUIFAX has indeed received my documents and Im also including a screenshot of the time I was on hold and never transferred to a supervisor! Im am also putting EQUIFAX on notice through this complaint through the CFPB that EQUIFAX is violating my consumer rights are civilly liable pursuant 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.