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

Hi EOS CCA ; XXXX XXXX; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the XXXX major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX I had a Best Buy ( CBNA ) credit card, all payments were made on time with the exception of 4 months. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. Now being 5 years later this is still showing as a serious delinquency on my account. This has made me not be approved for very important things IE. my fathers funeral loan, getting a house for me and my pregnant fianc, and multiple other attempts to receive a loan for important family things. Best Buy said they can not take a good Will letter and there is nothing they can do. I was XXXX in XXXX now being XXXX Ive been working on my credit portfolio for years, and this is the only thing holding me back. I was unable to make these payments at the time because my mother was diagnosed with XXXX XXXX, I had to leave my job to help her, my father was arrested and served 2 years in jail and they were very hard times. I even talked with the collections agency about this and they were nothing short of rude and unsympathetic. I am really hoping to get this taken off my report after almost 6 years, so I can apply again for my first home to raise my child in and better myself
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX creditor : XXXX  XXXX BANK XXXX XXXX XXXX Balance {$590.00}, XXXX XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX Inquired on XX/XX/2021, FACTUAL DATA Inquired on XXXX XXXX, 2021 are reporting on my personal credit file with ( XXXX XXXX XXXX XXXX XXXX. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Complaint sub-issue: Their investigation did not fix an error on your report

I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Equifax get back to me with regards to the issue. Here are the items that concern me : XXXXXXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Problem with personal statement of dispute

This is happening with Equifax, 45 days ago I filed a dispute with Equifax on some hard inquiries. The very next day they dropped my credit score 64 points. It came up 28 points the next month. 18 days ago I filed a dispute with Equifax again over the same thing and they dropped my credit score 82 points the very next day. In both complaints it took approx 17 days to investigate. Why did my credit score drop the day after the dispute. I have tried multiple times to get thru to them with different phone number with negative results. My name is XXXX XXXX address is XXXX XXXX XXXX Ga XXXX phone is XXXX.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX is reporting on my credit report as a closed/unpaid account. It was originally in the amount of {$680.00}. This entire debt of {$680.00} was pain In XX/XX/2018. However, it is a balance on the account as of today of {$110.00}. This is inaccurate because the {$680.00} was paid to the company. And the company failed to remove this debt from my credit report. The acct # as reported is XXXX in the original amount of {$680.00} which was paid.
Complaint sub-issue: Information belongs to someone else

I have been having a hard time getting XXXX to remove this fraudulent account. Not only that it is in accurate. The dates on XXXX and Equifax are different, all reporting credit Bureau 's must be accurate on all bureaus. XXXX reads high amount {$1800.00} Equifax reads high amount {$2500.00}. In Accordance with Fair Credit Act XXXX XXXX acct # XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written consent. I did not sign any documents ; I was never provided any documents showing my signature, or anything from dispute results with XXXX XXXX dispute. Credit bureaus provided no documentation showing how they validated the accounts. Without documents anyone could have open these accounts. That is totally unacceptable.
Complaint sub-issue: Reporting company used your report improperly

The Credit Bureaus did not perform a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They did NOT do this! Furthermore, violating my rights. 

In accordance with FCR Everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my accounts where properly investigated but how is this so if the open date is inaccurate, the date last active is inaccurate, the reporting dates are inaccurate, the payment dates are inaccurate, the status is inaccurate. This is grounds for removal. 

Equifax, XXXX and XXXX all violated the laws below ; 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 states a consumer reporting agency can not furnish a account without my written instructions. 
Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Complaint sub-issue: Their investigation did not fix an error on your report

On its website, ECMC states, " ECMC has ceased all collections activities on defaulted student loans until XX/XX/2020. The only exception is if borrowers wanted to pursue a voluntary resolution to their debtin which case they were assisted with that resolution. '' We were a few months into the pandemic before I was told that their statement didn't apply to *my* defaulted student loans. 
It was true. My credit report shows that my loans stayed in collection status until they were paid in full when I consolidated them. I would have moved a little faster on the consolidation had they not assured me on their website that " all collections activities '' on my accounts had been stopped. 
My loans were FFELP loans. So, although the statement on their website didn't specify which kinds of loans they'd cease collections on, the truth is that they weren't forced to stop collections on my accounts, so they kept reporting me as being in collections. 
Recently, the White House moved to retroactively include borrowers like myself, who weren't covered by the CARES act, in this financial protection. Companies like ECMC are expected to charge no interest during the time of the pandemic and to retroactively stop collections activity. The credit reporting agencies have asked to be " understanding. '' I filed a dispute with XXXX for a second time ( the first having been about my being told that collections had ceased when they hadn't, and my being reported as in collections for loans that, after being in an income-driven repayment plan, still, today, on my credit report, show a monthly payment of {$0.00} due while I was in collections ) about ECMC 's reporting. I didn't ask for a refund of the random amounts of interest they charged to my loans monthly, and sometimes twice a month, during the time which, now, they've been told that no interest should have accrued. I just wanted the collection activity to be removed from my report. They refused.
Complaint sub-issue: Frequent or repeated calls

Conns applince company calls my phone up to 10 times a day or more. I have spoken to them and explianed my employment status do to being let go of my job. Explained that I will make a payment as soon as I can but they still call me at times up to 3 times in less then a minute. I am late on my bill no more then 5 days but they call me like crazy. I understand XXXX or XXXX calls a day but XXXX or more calls a day is way to much.
Complaint sub-issue: Funds not handled or disbursed as instructed

On XX/XX/XXXX, I opened a savings account with Citi Bank. I gave them {$10000.00}. They immediately took my money, then closed the account. The reason is because my mailing address could not be verified as residential. There are offices on the bottom floor, where I receive mail and 11 floors of residential apartments on the top. Citibank claims this is the address for XXXX XXXX XXXX, which is actually across the street, in a different building complex. 

This is fine. However, I want my money back. They have refused to give me my {$10000.00} back since then. They asked me to sign documents. I did that in XXXX, XXXX. I never received a check. They asked me to do it again in XXXX. I did. I called them. They said they would mail a check to me by XX/XX/XXXX. They did not. Every time I call them, they don't understand the situation and get the details wrong. Their call center people are not primary English speakers and reside somewhere in XXXX XXXX. I'm having a hard time getting my money back and am in financial straits. This is very much affecting my ability to pay rent and I am being charged late fees and interest and I had to withdraw $ XXXX from my Roth IRA, which Citi will not reimburse me the fees for. This has costed me a lot of money to deal with their mistakes. 

Also, I never once received an email or mail acknowledging that I have an account with them or that they took my {$10000.00}. To this day, I have no information about account with them, although when I call them, they see that they took my {$10000.00} on XXXX XXXX, XXXX. 

Thank you.
Complaint sub-issue: Account status incorrect

I went to XXXX XXXX to lease my first vehicle. I was promised and assured if I were to sign the lease that they would ensure my monthly payments be cut in half in after my first year. In addition to that promise they added on products to my lease that were allegedly free after my verbal refusal of not wanting to pay for optional add-ons. This dealership broke the law. They are in direct violation with the TRUTH IN LENDING CONSUMER LEASING ACT. This bill is designed to protect my rights and the rights of others who do not know how leasing works! I tried to talk with the dealer and other XXXX dealers. Any reasonable person would not have agreed to such terms if not for the unkept promises. When I reached out a year to the date to have my payments cut as promised via text message, it was told to me if that is what was promise then it can be done. So I went In person and was told something completely different. They lied to get me to take that car which is illegal. 
To add insult, I told them I dont want the car and I drove to leave it at the dealership because I felt uncomfortable with the deceit. The dealership refused to take the car and forced me to call to have a tow pick it up which now they are trying to charge me XXXX dollars for. 
In addition, I had a remaining loan balance of XXXX. They falsely reported a balance of XXXX on all my credit reports prior to selling the vehicle and the vehicle isnt even market valued that high. The contract states Im responsible for the remaining monthly payments plus a termination fee. THE VEHICLE STILL HAS NOT BEEN SOLD. I called on a recorded line and read the contract to the individuals on the phone and they said they would remove it from the credit report because it was not suppose to be there and a notation would also be put on the account. It is still being falsely reported. There are numerous transgressions on their part and I demand justice. They broke the law, they tricked me and now they are also scamming me. All their actions thus far have been illegal and it is my right to be protected and have my credit protected.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX, I sent a letter to Equifax disputing a credit inquiry on my credit report from XXXX XXXX. 30 days after this letter being received by Equifax, this account was not marked as disputed on my credit report. 

On XX/XX/XXXX, I sent a letter to Equifax disputing late payment information reported on my credit file by XXXX XXXX XXXX XXXX XXXX. Upon reviewing a copy of my credit report on the XXXX, I saw an entry listing 7 late payments. My XXXX XXXX XXXX Account Number is XXXX. I challenged the accuracy, compliance and reportability of this listing and requested that I be provided with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from my credit report. Per section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, Equifax had 30 days to complete this investigation and to mark this account as disputed on my credit report. Per my certified mail receipt, this letter was received by Equifax on XX/XX/XXXX. This account was not marked as " disputed '' on my credit report within a 30 day window. 

By not properly investigating this matter within the required timeframe, Equifax violated federal law. I have evidence of such willful misconduct via certified mail receipts and copies of my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

Inaccurate information on my credit report : 1 : XXXX XXXX - XXXX 2 : XX/XX/XXXX - XXXX 3 : XXXX XXXX - XXXX 4 : XXXX XXXX XXXX - XXXX 5 : XXXX XXXX XXXX - XXXX 6 :XX/XX/XXXX - XXXX
Complaint sub-issue: Problem with personal statement of dispute

This is additional information to the below complaint against XXXX. 
COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Incorrect information on your report -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Even though XXXX is at fault, why do the credit bureaus ( XXXX  / equifax ) get away with such absolute and concrete thinking. These credit bureaus need to be had accountable for lowering credit scores without any thought behind it. I have never missed any payment for anything. They know this and still lower my credit score without investigating. Hold them accountable as well.
Complaint sub-issue: Information belongs to someone else

I HAVE SENT 609 LETTERS AND A DEMAND TO COMPLY TO ALL THREE AND THEY HAVE NOT RESPONSE. THE ITEMS YET
Complaint sub-issue: Information belongs to someone else

FCRA violations : Account Info Tap labels for more details Account number XXXX Account status Closed Not only hiding charge-off accounts under closed accounts see attachments for proof ( see attachments ) XXXX Original creditor : XXXX XXXX {$330.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$18000.00} Balance updated XX/XX/XXXX XXXX Original creditor : XXXX XXXX {$330.00} Balance updated XX/XX/XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX XXXX is reporting on my credit bureau that I had a loan or lease with them and it was repossessed I have try to get them to remove it from my credit because I never had a loan with them or authorize a loan with them they wont provide proof that I open a loan With them on top of that I dont have a motorcycle license so how can I drive it Show proof or Remove from all my credit burea because this is fraud and I never opened account and I should be penalized for it I just had to have my credit report fix because it got tied to someone else in California showing I had credit cards and multiple auto loan and a home loan
Complaint sub-issue: Debt was paid

Hunter Warfield is price gouging. I have attempted to settle the debt. The company continues to raise the price. The first settlement was XXXX then XXXX now it 's XXXX. I paid XXXX to the original debt at XXXX. The company was sold now hunter Warfield is trying to from them and take advantage of my situation. The rent owed was XXXX of which I paid XXXX before I left ( courthe documents prove ). Now, there were clothes on the floor when I left that 's it. Carpet must be changed for each Tennant as per tn state code yet they charged me for carpet. I was actually in my last month of my lease so there were no extra charges. I am willing to pay a fair amount, XXXX is ridiculous expecially since the company no longer exists.
Complaint sub-issue: Trouble with how payments are being handled

Several years ago me and my wife co-signed several student loans with Sallie Mae for our nephew XXXX XXXX. The loans were spread over XXXX years in excess of {$100000.00}. 
Shortly after he defaulted on the first payment, Sallie Mae began harassing me and my wife by placing robo-calls to both of our job sites. The robo-calls seemed to be happening every 15 minutes. My wife got in trouble at her job and I contacted Sallie Mae to avoid getting in trouble at my job. We lost all contact with the student ( primary borrower ) XXXX XXXX. 

While making the monthly payments, I contacted Sallie Mae and asked if they were still going after the primary borrower for collection. They said " no '', that once they have the cosigners paying they no longer persue the student for payment. So we were basically stuck with the entire student loan obligation based on how Sallie Mae does things. 

After paying for almost a year, Sallie Mae " jacked up '' the loan interest rate. Still having no contact with the student, we tried to refinance at a lower rate. This was very difficult in that most of the student loan refinancing companies will only deal with the primary borrower. We did eventually find one, XXXX XXXX, to refinance the {$100000.00} student loans. But now the loans are in our name and it looks like XXXX XXXX is " off the hook '' for any of the obligation even though he's the only one to benefit from these loans.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/21 and XX/XX/21 I submitted a letter on inaccurate and unknown things on my credit report. over 60 days have passed and i have not received a response. I feel my disputes are being ignored and i am being taken advantage of. In Section 611-a it plainly states that a failure to investigate these items within 30 days gives a reason to have them removed immediately from my credit report. It has been over 60 days so they should be removed immediately. I demand these accounts be removed at once or I will file litigation due to stress and suffering. My information has been impacted by the Equifax, XXXX XXXX and XXXX data breaches and may have got into the hands of the wrong people.
Complaint sub-issue: Didn't receive notice of right to dispute

This is not my account I.C. Systems # XXXX and did not have an opportunity to dispute, please remove this account ASAP. Also please provide the following : Method of verification Validation of Debt Assignment of Debt
Complaint sub-issue: Account status incorrect

I have disputed the late payment status reported on the account XXXX, XXXX  XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has greatly affected my credit score.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, I sent a dispute letter to Equifax about the following accounts : XXXX XXXX ( Date opened : XX/XX/XXXX. Balance {$280.00} ), XXXX ( Date opened : XX/XX/XXXX Balance : XXXX ), XXXX  Date opened : XX/XX/XXXX, Balance : Not reported ), XXXX ( Date opened : XX/XX/XXXX Balance : {$4500.00} ). It's been over 45 days since I sent dispute and they have not answer as they are required by the FCRA.