Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account terms

This is another medical bill for {$20.00} that is wrongly on my report because I have full coverage and have paid all co- pays in office. There is no information on my Equifax report pertaining to the creditors or account information and it was removed from XXXX for these reasons.
Complaint sub-issue: Reporting company used your report improperly

I have maintained a great relationship with XXXX for over 30 years doing my banking, auto financing, credit cards, loans home and auto insurances over a span of a decade. In 2019, I circumstances changed and my combat wounds from XXXX XXXX MILITARY and I became 100 % XXXX. Within, XXXX I had to ensure all documentation for medical for the VA and XXXX XXXX XXXX I went from the work force to a XXXX life and within this time span a suffered a divorce and the XXXX happened. 

I never once tried to get out of my obligation with XXXX and in writing and by phone calls worked payment plans out best suitable. XXXX, I received a call from XXXX XXXX XXXX ( not the CEO, a person from or claiming to be from the CEO of XXXX XXXX ) about my letters I wrote and over recored line stated they aren't doing nothing.
Complaint sub-issue: Deposits and withdrawals

There was a bad check submitted into my US Bank Acct. and now because nobody did their job properly I 'm being held responsible for using it. It was from an XXXX banking service from a XXXX Texas XXXX Bank that opened an account for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX who was using illegal identity. This was confirmed by the XXXX Police XXXX. in NM. This check for {$2900.00} was deposited through an online banking service. I was notified through the alert system of US Bank that I had {$2900.00} available immediately. I proceeded to use {$1000.00} of it and since I have a limitation on my withdrawals in a days time went to the bank to request more money at the US Bank, XXXX XXXX only to find out that the check was n't any good. Being an out of state check there should have been a hold placed upon it for several days and that was n't done. According to the bank XXXX, XXXX they get many of these checks every day, not my problem. I 've had my account shut down and demands to repay {$970.00}. I do n't feel this is right. Not only did this man do this once, but the next day or the day after he proceeded to try and place another fraudulent check into my account for another {$2300.00}. XXXX caught this one and called the police -- XXXX XXXX XXXX. I spoke to this XXXX and wanted to press charges. Was told I could n't because according to him this man probably lived in XXXX. I 'm being told constantly of the scams that are going on through the internet. I would guess that I receive XXXX scams a days in my spam folder of ATM Cards equaling XXXX of dollars, of money that a person as left after XXXX in my name. Just supply my name, address, phone number and they will contact me with the balance of the information. YEAH RIGHT, AT A COST TO ME OF COURSE. I 'm tired of these XXXX XXXX 's being able to acquire a bank account with false identity. I 'm sick of the fact that US Bank did n't have TIME to properly handle this check appropriately and put a hold on it for several days to make sure the funds were available.
Complaint sub-issue: Investigation took more than 30 days

I sent Flagship Credit Acceptance a letter wishing to cancel the transaction because Pursuant to 1635 you never included my right to rescission nor did you provide me with the material of disclosure upon my request with the fact that I have the right to rescission. So I hereby exercise my right to rescind the agreement under the provisions of the Truth of Lending Law and 15 U.S. Code 1635 Right to Recission and I ask you to return my deposit/down-payment of {$1500.00} within the 3 years right to rescission as required by law. They have not responded in the 20 Day time from that they have by federal to respond.
Complaint sub-issue: Problem using a debit or ATM card

My Cash App issued debit card was charged {$350.00} on XX/XX/XXXX at XXXX. I initiated my dispute on XX/XX/XXXX where XXXX or XXXX ( two names were on that single email but both Cash App employees ) emailed saying the investigation was underway and that my card was blocked and for me to get a new one. I didnt hear anything for a month ( when I was suppose to be updated or given a credit after 10 days ) so I asked for a update on XX/XX/XXXX and XXXX stated they had 45 days from XX/XX/XXXX & that XX/XX/XXXX was only day 37, still no credit. I reached out again on XX/XX/XXXX since thats 45 calendar days from XX/XX/XXXX and a lady on the phone said I had to wait until the following Thursday ( XX/XX/XXXX, today ) since the holidays wouldnt count towards the 45 days although XXXX had clearly counted them. I reached out today and XXXX provided me the same generic message saying my dispute was escalated and someone will reach out. I am tired of waiting on my money.
Complaint sub-issue: Reporting company used your report improperly

In accordance with fair credit reporting act XXXX  account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Balance {$2900.00} Highest Balance {$2900.00} Opened XXXX. XXXX, XXXX  ( XXXX yr, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Collection account Original Creditor Name No Info Closed No Info
Complaint sub-issue: Their investigation did not fix an error on your report

Essentially, my credit score took a nose dive in XXXX as I was in the process of searching for a new home to buy. I discovered a student loan lender, KeyBank, has filed a charge-off of {$62.00} from XXXX, but only reported it in XXXX. 

In XXXX, XXXX, I attempted to contact KeyBank to resolve this mistake and fix my credit. Having paid-off all my student loans in XXXX or XXXX, I do not have any documentation from those loans. I provided the information that i did have over the phone to " XXXX XXXX '' who is supposedly the highest level of complaint at KeyBank. 

On XX/XX/XXXX, XXXX sent a letter saying that I owed {$62.00} for some loan origination fee from XXXX with no proof or documentation ; merely a cursory two line statement with nothing to back it up. I took out my loan in XXXX and paid them off in XXXX or XXXX. 
I requested all available information and any documents. To date, XXXX has not only refused to provide any documentation, she has refused even the courtesy of accepting my phone calls or returning. In fact, over the weekend, XX/XX/XXXX, I received a letter from XXXX stating that a response to my inquiry was enclosed. There was not attachment, only a reference in the latter to the XX/XX/XXXX, letter. 

In early XXXX, I submitted a separate request to XXXX for additional information. In a letter dated XX/XX/XXXX, I was provided with the promissory note information from XXXX. Nothing from XXXX or from XXXX.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Inquiry XXXX ; XXXX  XXXX Inquiry Date : XXXX XX/XX/XXXX ; XXXX XXXX  Inquiry Date:10/13/2022 ; XXXX-XXXX/XXXX XXXX  Inquiry Date : XX/XX/XXXX ; XXXX-XXXX/XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXXInquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date:XXXX ; XXXX Inquiry Date : XX/XX/XXXX ; XXXX  XXXX  Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date : XX/XX/XXXX ; XXXX  XXXX  Inquiry Date : XX/XX/XXXX ; XXXX XXXX  InquiryDate : XX/XX/XXXX ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX XXXX Inquiry Date:06/16/2021 ; XXXX XXXX Inquiry Date : XX/XX/XXXX ; XXXX  XXXX XXXX  Inquiry Date:XXXX ; XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX ; XXXX Inquiry Date:XXXX ; XXXX Inquiry Date : XX/XX/XXXX.
Complaint sub-issue: Debt is not yours

Alleged Balance : {$43000.00} Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

This is NOT a request for " verification '' via E-Oscar or proof of my mailing address but a request for VALIDATION of the above named Title and Section of the Fair Debt Collection Practices Act.

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Complaint sub-issue: Other problem getting your report or credit score

Problem Obtaining A Credit Score With This Company
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
Equifax Mortgage XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Complaint sub-issue: Frequent or repeated calls

Several sections of the F.D.C.P.A ( Fair Debt Collection Practices Act ) has been violated by the named debt collector Razor Capital , LLC. Further attempts to contact me will result in legal action being taken and each violation is punishable by fines to the debt collector in a civil suit.
Complaint sub-issue: Their investigation did not fix an error on your report

This account continue to be a mystery to me, I do not have a financial obligation with this company. They have no verifiable proof. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$2200.00}
Complaint sub-issue: Other problem getting your report or credit score

I have submitted my driver 's license and paystubs to Equifax on 2 separate occasions. They have failed to provide my credit report. I am extremely concerned about identity theft and that Equifax may have lost my items for identification purposes. I have been waiting since XX/XX/2020 and have received no response from Equifax and I believe my consumer rights have been abused and violated.
Complaint sub-issue: Received bad information about your loan

After finding out that I was given wrong information that I dont qualify for student loan forgiveness and could have qualified for student loan forgiveness I requested to consolidate my loan into direct loans By contacting nelnet today at XXXX at XXXX XXXX mountain standard time. The representative stated that I should have consolidated by XX/XX/XXXX in order to be accepted. I stated I was given wrong information by a nelnet representative when I had called as I had asked if I can qualify for student loan forgiveness. Rep asked what day was this I said I dont recall what day and they stated they can look it up to listen but will have to transfer me to a manager as rep stated there is no notes stating rep on XX/XX/XXXX said that. I requested that she pull the recording and transfer me to a manager. 



I was transferred to another representative by the name XXXX XXXX XXXX stated he is an account XXXX he said he listed to a call on XX/XX/2022 at XXXX where the rep did say I do not qualify however there is nothing they can do about it now he stated he will submit the complaint but I should have consolidated my loan into direct loans by the deadline.
Complaint sub-issue: Information belongs to someone else

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$910.00} ; CXXXX XXXXXXXX ( Original Creditor : XXXX LXXXX XXXX XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$68.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022.
Complaint sub-issue: Was not notified of investigation status or results

Dear Sir or Madam, I recently received a copy of my credit report, and there has been unauthorized use of my credit report. The credit report agencies are reporting information that is inaccurate on my credit report, as a result of this I find myself paying higher interest rates. Please look into resolving this matter for me, because it has caused lots of stress, and paying higher in interest rates. 

Thank you for your assistance.
Complaint sub-issue: Information belongs to someone else

What in the world is happening here that my concern was not attended by Equifax and XXXX!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report
Complaint sub-issue: Information belongs to someone else

XXXX XXXX, sent an amount of {$220.00} to EOS CCA XXXX. XXXX  XXXX XXXX Ma. XXXX, They are a collection agency. this amount they say I owe was a company acct. for my company cell phone. I quit working for this company in 2013, but XXXX turned this amount over to the collection company in my name instead of contacting the company that the cell phone acct was linked to. I have been trying for over 5 years now to get this off my credit report, I have the company name address and a contact person, I gave to EOS CCA, But they never contacted anyone other than me.
Complaint sub-issue: Account information incorrect

Hello, my name is XXXX XXXX. I have had a claim with you guy in the past about a XXXX vehicle the back was changing me for well since that all got settled I see on my credit report I keep missing payments? I havent missed a single payment from any bills so Im thinking if it still has to do with the car situation. So if you guys could look into that for me that would be great I just dont understand why my credit is being destroyed over missed payments when Ive paid all my bills on time?
Complaint sub-issue: Their investigation did not fix an error on your report

Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

American Accounts Advisors did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Complaint sub-issue: Problem getting your free annual credit report

After years of reviewing credit reports from the big three on a rotating basis from the web, Equifax now demands that I print and mail a form, and attach copies of other documents. This has happened after Equifax failed to secure our data, and now appears to wish to make the process more cumbersome for consumers in order to reduce the number of people following the process to actually see if they have been compromised. I 've been at the same house and same job for 25 years so it is not feasible that they need additional information from their paper forms. SImply, it appears that they have, for their own purposes, defeated the concept of Annual Free Credit Report to Nuisance Copy/Print/US Mail Credit report in a month or two or three.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I am off work on medical leave with no pay due to severe health issues and have been off for three months with 0 income and don't know when or if I will be able to return. I have 0 savings and no money. Yet XXXXXXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX XXXX XXXXnd Citibank Wayfair credit card companies have continued to CALL AND SEND REPEATED ROBO COLLECTION CALLS TO MY PHONE DAILY EVEN AFTER I TOLD THEM THREE TIMES AND ALSO HAD A LAWYER TELL THEM THREE TIMES TO 'CEASE AND DESIST!!!!! I also NEVER gave them my authorization to contact me by phone or email at all and specifically said they could only contact me by mail prior to that yet they have done the opposite!!!!! They are breaking every FDCPA law ever written, make them Stop NOW!!!!!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In XXXX of 2017 when I moved out of my previous address I started getting major identity theft and someone using my identity and applying multiple times everyday for Banks and car loans and continued to use my information and insisted to not stop till I put an end to it and called the credit bureaus and one out of 3 was able to kindly assist me and remove all hard inquiries that brought up to almost 90 and now down to 30 but the other bureaus are giving me a hard time to remove them after months later and its affecting me and building my credit score and in the future to get a loan.
Complaint sub-issue: Reporting company used your report improperly

Since XX/XX/2021, I noticed EQUIFAX has posted many inaccurate information I did not consent to. They have committed fraud and several violations of the FCRA.. EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me. Fact, the Fair Credit Reporting Act, 15 USC 1681, is intended to secure my right to privacy and protect my public reputation that is directly correlated to and linked with my Consumer credit report. Fact, EQUIFAX has damaged my reputation by furnishing fraudulent, negative information onto my credit profile, violating 15 USC 1681 and 15 USC 1692. Fact, by furnishing this fraudulent information EQUIFAX in violation of 15 USC 1692 and 15 USC 1681. Fact, I never gave EQUIFAX permission to furnish this information. Fact, I never gave consent for Portfolio recovery to obtain and store my private information and they have unlawfully obtained my information in violation of 15 USC 1692. Once again, EQUIFAX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Complaint sub-issue: Account status incorrect

There's incorrect information on my credit report and I've been trying to fix it for a long time and had no luck. Account stay there open account say they're closed there is wrong information and payment information being reported and not being reported my score is contradicting the information on the report my personal information is incorrect and I feel like XXXX  Equifax and XXXX have been discriminative towards my situation and very unhelpful and I'm unprofessional and resolving my issues