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

I received a notice of debt from PSC regarding medical services provided by XXXX XXXX XXXX. I was shocked to see a collection notice as I never received a normal bill from them prior to that. I have disputed these charges through an online service that routed to the main credit bureaus for dispute but never heard from a response from PSC. 

Finally, I sent a certified letter on XX/XX/2020 requesting a correction of their charges as the doctor only saw me for 3 minutes in a bed temporarily in the hallway as the hospital was busy during my visit and even the medical provider spent a quarter or half an hour, {$500.00} is excessive. To my surprise, their response was a statement of account. 

This is not an acceptable response from PSC or XXXX XXXX XXXX as the billing practices are excessive and abusive. If they adjust their bill accordingly or even had the decency to explain their variance, I would have been more than happy to resolve this matter. 

XXXX XXXX XXXX 's attempt to collect excessive charges over actual across state lines from my insurance carriers constitutes insurance fraud and these practices should be further investigated. 

( 1 ) Puget Sound Collections is in violation of the FDCPA 's section 807 by providing a statement of account instead of an answer to excessive billing practices as a response to a dispute.

( 2 ) Because of this, Puget Sound Collections is also in violation of the FDCPA 's section 809 subsection ( b ) for improperly attempting to validate the debt and not directly addressing the erroneous and excessive billing amount.

( 3 ) Puget Sound failed to respond within the 5 day period as stated by the FDCPA 's section 809 subsection ( a ). Please see attachments confirming the dispute letter was sent on XX/XX/2020 and their response was 36 days later on XX/XX/2020. 

The FDCPA does allow a consumer to recover up to {$1000.00} per violation
Complaint sub-issue: Can't decrease my monthly payments

I have several student loans through Sallie Mae called the " smart option '' student loan. We have tried multiple times to consolidate these loans or get the payments lowered. As of right now they want us to pay almost {$600.00} per month which is not even feasible at the moment. We were at one point put into a program which lowered the interest rates from almost 11 % down to 4 % for 1 year and then down to 2 % for 1 year but we were only allowed into that program because the loan had defaulted. The loans have been paid for 3-4 years without missing a payment and they wo n't let us consolidate or lower the interest payment. The last person I spoke to told me that the only way they could help us with anything would be to let the loan go to collections/default. Of course then it would hit our credit and hurt other things leaving only one choice, to pay. For student loans only totaling {$36000.00} a {$700.00} a month payment is just a bit much. All we want is a fair rate and a fair monthly payment. Do n't get any student loan through Sallie Mae unless it is a government subsidized or unsubsidized student loan.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6800.00}, {$1800.00}, {$33000.00}, {$12000.00}, {$16000.00}, {$12000.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$33000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account.
Complaint sub-issue: Problem with rewards from credit card

I received an offer in the mail from Citibank for their XXXX XXXX  XXXX. The ad said if you spend {$750.00}. In the first 3 months after receiving your card that you will get {$200.00}. In rewards. After 4 months and {$900.00}. Later I called and was told the offer was for {$200.00}. After spending {$1000.00}. I said no I have a screenshot of the ad and it clearly says {$750.00}. After going through a few others I finally got to speak to XXXX, who gave me dispute # XXXX and said the money would be in my rewards in 3-5 business days. When that didn't happen I called back and ended up texting and sending them my screenshot of the ad. In the end they said they were filing the dispute and I would here something in the mail, which I did, the next day. It also said my offer was for {$200.00}. After spending {$1000.00}. Unbelievable, after spending them the proof.
Complaint sub-issue: Account information incorrect

I bought a XXXX 2015 XX/XX/XXXX from Carvana aroundXX/XX/XXXX. I bought the car and then traded it in for an XXXX XXXX   2015. When I did this, I had XXXX send the payoff amount that they quoted me, to themselves for the XXXX. Carvana/XXXX is claiming that the payoff was {$3000.00} short. I understand that, however the quote I was given covered the full amount of the car, and I sent it to XXXX  and Caravan and it was approved. The issue here is that on my credit, XXXX  shows a charge off amount for the XXXX   on my credit of {$27000.00}. This is not accurate as I got a payoff for the XXXX. Please remove the XXXX off my credit as I properly traded that car in for the XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, 2019 with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

Equifax improperly re-inserted an account into my credit file without notifying me. I had disputed an account with XXXX XXXX XXXX 11 months ago and Equifax removed this account from my credit file, but then about 6 months ago they improperly reinserted the account without the notification required by law. I have since then attempted to get this improperly reinserted account removed from my credit file, but they have refused to do so. The account number is XXXX Balance {$3300.00}. This is not my account and I have provided Equifax with a police report, Identity Theft Affidavit, driver 's license, and my social security as I was supposed to do, and they have refused to act. It is a violation of the FCRA that they reinserted this fraudulent account into my credit report. I did not open this account and this account in no way belongs to me. <P/>Equifax also has my credit file mixed with ( 2 ) other peoples credit report and they have been made aware of this multiple times, however they refuse to separate the 3 files, I have many accounts on my credit file that do not belong to me. I have been able to determine that the accounts that Equifax has on my credit file belong to XXXX XXXX, and another individual named XXXX XXXX. Equifax has refused to resolve this matter. <P/>The following accounts do not belong to me and are not even under my social security number they are under a totally different persons, yet Equifax continues to report these accounts as belonging to me, and these accounts are as follows : XXXX XXXX XXXX Account Number XXXX this account is not mine and is not associated with my social security number XXXX XXXX XXXX XXXX this account is not mine and is not associated with my social security number XXXX XXXX XXXX not mine not under my social security number XXXX XXXX XXXX not mine not under my social security number XXXX XXXX XXXX XXXX XXXX not mine not my social security number XXXX XXXX XXXX XXXX not mine not my social security number XXXX XXXX not mine not my social security number XXXX XXXX XXXX not mine not my social security number XXXX XXXX  XXXX not mine not my social security number XXXX XXXX XXXX XXXX not mine not my social security number XXXX XXXX not mine not my social security number XXXX XXXX not mine not my social security number XXXX XXXX not mine not my social security number XXXX XXXX XXXX XXXX Not mine not under my social security number XXXX XXXX XXXX XXXX XXXX XXXX fraudulent account that was improperly reinserted after Equifax deleted. <P/><P/><P/>Fraudulent Inquires or Belong to someone else XXXX XXXX XX/XX/XXXX ( Not Mine Fraudulent ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Not Mine Fraudulent ) XXXX XXXX  XX/XX/XXXX ( Not mine Fraudulent ) XXXX XXXX XX/XX/XXXX ( Not mine Fraudulent ) XXXX XXXX XXXX XX/XX/XXXX ( Not mine fraudulent )
Complaint sub-issue: Information belongs to someone else

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within XXXX days. 
See documents attached.
Complaint sub-issue: Information belongs to someone else

I applied for a XXXX 's credit card today XX/XX/20 and unfortunately, I was not approved. I called them to ask why I was not approved and they told that the reason is that there are five accounts in negative standing appearing on my credit report. I had no idea what accounts they were talking about since I have always maintained good payment history on any card or loan I have had. I got a copy of my credit report and I saw those five accounts and none of them belong to me. I did not open any of these accounts nor do I have any written/verbal contract with any of those companies ; I am not affiliated to the companies I have listed on this report in any way and I did not benefit anything from these accounts that were opened in my name without my permission such as money, goods or services. I have filed a complaint with the CFPB and a police report.
Complaint sub-issue: Account status

I have disputed this issue at least XXXX times. I have a closed XXXX account, that is appearing STILL on my Equifax account. It was opened in XX/XX/XXXX and reported to Equifax in XX/XX/XXXX. It is still on my account. XXXX ( XXXX ) does n't even have me in their system under my SSN. How do you prove a negative? I ca n't get a letter from XXXX as they have to generate it, Catch-XXXX, from an account to send to Equifax. It has a {$0.00} balance, but this is a classic example that the dispute process with credit bureaus is a joke. 

I will, for the XXXX time, write letters to XXXX and to Equifax. Why am I not considered innocent until proven guilty when it comes to credit bureaus? Why are they considered above the law?
Complaint sub-issue: Investigation took more than 30 days

I've sent multiple letters to Equifax in regards to inaccurate erroneous reporting of collection on my credit report I still have not received any notification of proof of the alleged debt. These do not belong to me and i am requesting for all account to be deleted immediately from my credit report. This information has caused me to not move forward in my career and has caused liable damage to my well being.
Complaint sub-issue: Information belongs to someone else

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS AND INQUIRIES TO 15 U.S. CODE 1602p. BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PERJURY.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, XXXX XXXX XXXXXXXX added a derogatory mark on my credit report per Equifax. I never in my life had an account with XXXX  In XXXX, I was a victim of identity theft, I contacted Equifax and they removed the account back in XXXX. The Debtors creditor did not verify this collection, Also, there was NO WRITTEN form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately. 


Please terminate collection efforts, and remove and notify all credit bureaus such as XXXX, Equifax, and XXXX to delete the account immediately for inaccurate reporting and failure to validate the debt.
Complaint sub-issue: Information belongs to someone else

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I didn't receive any alert. I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors and stopping me from buying my dream home. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Here 's a list of the fraudulent inquiries : XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Credit on XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Having problems with customer service

I have a XXXX student loan with Great Lakes which has been on and off in-school deferment and forbearance since 2010. Every year, Great Lakes has brought the loan out of in-school deferment before receiving notice of or verifying my XXXX semester attendance. They have had to make more than two retro-active adjustments to my loan repayment history because of this practice. For the past month I have been trying to speak with someone at Great Lakes about the issues with my repayment history and I am being jerked around and told that the information can not be changed because of the Fair Credit Reporting Acts. I researched into this topic and discovered a letter from the FTC discussing Great Lakes ' obligation to update the information on the credit file, even if it was accurate at the time it was reported. They have since refused to respond to me and I am now searching out other ways to resolve this issue. 

I have paid on my loan and my account is in good standing. The remaining principal balance is less than the original principal balance so I do not owe more than I took, I owe less. I have been working very hard to try and get this loan taken care of but, at each step Great Lakes has worked against me to prolong the time the student loan stays in repayment and therefore in their possession. I feel as though Great Lakes has no incentive to provide me with assistance as their money comes from having a number of accounts to service. Essentially they are a for-profit XXXX complex. There is no incentive to rehabilitate the XXXX if the XXXX gets a monthly check based on head count. The same situation is true with federally subsidized student loans. Great Lakes is attempting to prolong the repayment period of my loan and will not work with me to correct the inaccurate payment history.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I AM DISPUTING INQUIRIES FROM XXXX XXXX XX/XX/2022. I HAVE NO KNOWLEDGE OF THESE INQUIRIES. UNDER THE PROTECTION OF 15 U.S.C. SEC. 1681i ( f ) ( 3 ) which governs credit reporting through a consumer and all XXXX parties. 15 U.S.C. SEC .1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These quoted laws protect the identity, information and credit of the everyday person from unfair reporting, misuse or unlawful transfer of my information as well as accuracy, legitimacy and proper investigation on behalf of every credit reporting agency making my information public, which I have NEVER GIVEN WRITTEN OR VERBAL CONSENT TO.
Complaint sub-issue: Indicated committed crime not paying

I received XXXX letters on XXXX different dates ( see attached XXXX letter ) from AFNI Inc. that I am liable to XXXX XXXX XXXX for {$2100.00} regarding an incident ( auto accident ) that occurred on XXXX with XXXX XXXX XXXX. The letter clearly states that the facts of the case indicate I am liable for a loss incurred. The letter also states that the Department of Transportation may have been notified to determine compliance with the Financial Responsibility Act, along with the Secretary of States ( XXXX ) Office to possibly suspend my driving or registration privileges. Additionally the letter indicates that I may be charged {$4.00} for processing. 

I phoned the customer service center on XXXX at approximately XXXX PST and spoke with an unidentified female customer service representative. After providing the AFNI file number, the representative claimed that I was involved in an auto accident at XXXX and XXXX in XXXX XXXX, CA. I told the representative that I was not in any accident at which time she asked if my license ended in XXXX. I told her it did not and she replied " how about XXXX? ". Again, I responded no. She then said that was supposed to be my driver 's license number, not license plate. At this point, it was clear to me that she was fishing for information and I stated such. I also advised her that my last name was not the same last name on the attached letter. My last name is XXXX and the letter shows XXXX. She told me cops make typos all the time and I advised her that as a XXXX, I can assure her that we are required to file accurate reports. At this point I asked to speak to a supervisor, which she declined, then hung up. 

I am concerned that this company is using aggressive and flawed investigation and recovery techniques that would cause serious financial problems to people that are n't familiar with law enforcement reporting and investigation. I was targeted for financial recovery without cause and due diligence. There is no preponderance of the evidence, which was not listed, to find me liable in any way. I am not confident that this company will cease attempts to collect this debt for which I did not incur nor am responsible for.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/XXXX I ordered a {$3900.00} product from XXXX. product was promised to be delivered by end of XX/XX/XXXX. It never showed up, so I worked with them for over a month to get a delivery date. They kept giving me the run around so finally I cancelled and was promised a refund by the company. They never refunded me and eventually stopped responding to my messages or answering calls. I disputed charge with visa in XX/XX/XXXX. They gave me a conditional credit while trying to resolve with XXXX XXXX. XX/XX/XXXX they reversed the credit and closed the dispute as unresolved bc they didn't get the proper documentation. Immediately I re opened the dispute, provided documentation that XXXX XXXX  order was cancelled and I was promised a refund by them but as of XX/XX/XXXX the credit card company still refuses to give me my money back and closed the dispute again. ALL INFORMATION ON THE XXXX INDICATE THE COMPANY DID THIS TO ALOT OF PEOPLE AND CLOSED THEIR DOORS.
Complaint sub-issue: Debt is not mine

L J Ross will not stop calling me. They called me countless times during work and I am unable to pick up. Every time I called them back, they said my number is not in their system and I do not have an account and their IT department would resolve this issue. I finally sent a cease and desist via certified mail and still continue to receive calls. I am now pursuing civil action against them for their numerous violations against the FDCPA laws.
Complaint sub-issue: Public record information inaccurate

Dear Sir or Madam ; I am a victim of Identity Theft. the Information Listed Below, which appears on my credit Report Does not relate to any transactions that I have made.it is the result of Identity theft. Please Block this Information from my credit Report pursuant to section 605B of  the fair credit Reporting Act and send the Required notifications to all Furnisher of this information. Enclosed are the following ; XXXX XXXX state of Maryland ; Original filling XXXX XX/XX/2015 2015
Complaint sub-issue: Their investigation did not fix an error on your report

I tried to fix the issue with XXXX, XXXX and Equifax. I sent them bunch of letters way back XXXX. According to USC 1695 and FCRA along with the FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have attached the recent letters that was sent on XX/XX/XXXX, XX/XX/XXXX which I never received a response for. They are still contacting me and this are still showing on my credit report. I will sue them if they continue to report debt that is inaccurate.