Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Right to dispute notice not received

I received a hospital bill in the beginning of XXXX for a deductible for the XXXX of my child on XXXX/XXXX/XXXX. I disputed the bill with XXXX XXXX, and a woman called and spoke to me regarding the deductible. She informed me that she will send me some information regarding the bill, and I should call my medical benefit provider to discuss more about my deductible amount. I was disputing the deductible, because I 've paid over {$1000.00} in XXXX as a deductible for visits during my XXXX. In the interim, I received a collection letter from Remax Inc, attempting to collect said debt. I called the debt collector on XXXX/XXXX/XXXX, and I informed him that i am disputing the debt. He advised me that he will notate the file, and he will follow-up with me regarding the results. I called the accounting department at XXXX XXXX on XXXX/XXXX/XXXX, and the lady claims she had no clue I was disputing the hospital bill. She insisted that I pay the bill. I started paying the bill in monthly payments of {$25.00} a month, which is the same arrangement that I made with XXXX on the other deductible payments in XXXX, So far, I have paid {$75.00}, and I received a notification that Remax , Inc. has entered themselves as a collector on my credit report. Remax never called me after XXXX/XXXX/XXXX, and they should have been notified by XXXX of my payments thus far.
Complaint sub-issue: Can't decrease my monthly payments

I have XXXX separate loans through Sallie Mae since the year XXXX in attempts to get through tuition costs at my University. I have since graduated from my University with a XXXX and currently have a full time job. For a year after graduating ( in XXXX XXXX ) I was on a " graduate repayment plan '' which caused my payments to be lower and affordable. This XXXX my loan repayments have gone up to $ XXXX/month which I have called multiple ( 10+ ) times in attempts to get lowered as I currently do not make enough at my full time job to afford that much in student loans as well as all of my other bills. The people at Sallie Mae have given me and my cosigners the run around every time we call. I have even tried to explain my income and expenses and my cosigners tried to explain why they were unable to help me, but they did n't care. They 've been hassling myself and my cosigners with 3-6+ calls a day even though I paid {$220.00} out of the {$380.00} on my loans which is all I can afford. Their only " options '' for me are to either put my loans in forbearance which will put me right back in the same situation I am in now just a year later, or for my cosigners to pay what I can not to make my monthly payments be the entire amount. Regardless of the fact my cosigners are unable to help with the amount Sallie Mae is asking and should n't have to as I can make payments as long as the amount is lowered. I 'm willing to pay less for longer ( which ultimately results in higher interest payments from me, but it 's what I need to do at the moment ) and they said that was unacceptable and I did n't have an option in not paying the total amount they were asking unless I took forbearance. I 'm not trying to skip out on my payments, as I 'm currently still paying what I can and up until the payments got raised I was making every payment in full on time every month. But they refuse to work with me so I can have lower affordable payments and as a result, myself and my cosigners are getting harassed, I 'm getting threatened with collections and delinquency and the possibility of ruining not only my credit but the credit of my cosigners.
Complaint sub-issue: Overdrafts and overdraft fees

BB & T has taken over {$15000.00} in overdraft and NSF fees due to them taking credits out of my account then processing debits then putting my credits back into the account minus the fees they charge. This is being done daily to my business account. I have screenshots of this activity and will be happy to share them with the appropriate people. I tried to talk to the local personal banker at my bank but he said " I should do a better job managing my account ''. I want the funds back that they have stolen from my company and for them to stop this illegal activity. I will seek legal action if this does not resolve the issue.
Complaint sub-issue: Their investigation did not fix an error on your report

I settled this in full in XXXX, us bank shows I didnt so I sif again XX/XX/XXXX with XXXX XXXX and they sent me a letter confirming this. I called XXXX  and they said it didnt matter, they needed confirmation from us bank that it was sif and XXXX base came back that way and didn't see any of that information which is incorrect.
Complaint sub-issue: Debt was paid

On XX/XX/2018 i called ERC to make collection payment i was told by the debt collector that after making the payment the collection would be removed from my credit report. 
The collection still shows in my credit. I dispute the collection with the credit bureau and they always tell me that i have to contact the collection company to have collection removed off my credit. I contact the collection company and they tell me that i have to contact the credit bureaus.
Complaint sub-issue: Debt is not mine

While reviewing my credit report a few months ago, I noted an inaccurate report from Enhanced Recovery Corporation account # XXXX with original creditor XXXX. I contacted the creditor by phone and informed them that I have never opened an account with reported creditor on XX/XX/2014. They asked me to send them a dispute letter in writing and I did. Up until today, I have not received a response from them and the account is still showing in my report negatively. can you please help investigate this issue. Thanks
Complaint sub-issue: Was not notified of investigation status or results

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX   XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, Company Inquiries : 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

DEPT OF ED/XXXX  continues to verify loans that no Master Promissory Note exists for at a time I was not in school.
Complaint sub-issue: Debt was result of identity theft

This account was unauthorized. I am victim of identity theft.
Complaint sub-issue: Company closed your account

I applied and was approved to open my account online with XXXX on XX/XX/2021. I received an email confirmation and I proceeded to setup my paycheck to direct deposit into my new account with this bank. Then on XX/XX/2021 I noticed I was no longer able to login to my account. I called their customer service the following day and was informed that they had closed my account due to business reasons and they could not tell me any further details about why they closed my account. They said they are mailing me a letter with an explanation. This is an unacceptable way to treat people.
Complaint sub-issue: Debt was result of identity theft

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

1. XXXX XXXX Account Number : XXXX Bal : {$0.00} 2. XXXX XXXX XXXX Account Number : XXXX Bal : {$310.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Complaint sub-issue: Received bad information about your loan

I believe I have sufficient evidence that National Collegiate Trust is violating my consumers protection rights and has permanently damaged my and my co signers, my grandpas, credit. I took out two loans thru XXXX XXXX in the amount of {$15000.00}, in XXXX, and another in XXXX for {$6500.00}. XXXX sold my loans right after purchase to National Collegiate Trust and the loans were serviced by American Education Services ( AES ). AES consolidated my payments for the two loans. XX/XX/XXXX a collections company, XXXX XXXX called representing National Collegiate Trust asking for a settlement and threatening to take me to court if I dont. At that time I had already paid {$15000.00} to the {$15000.00} loan and {$4800.00} to {$6500.00} loan. I didnt have what she was asking for so I asked to make a payment and she said it was not an option that I had to talk to my co signers and figure out something. After over an hour long nonstop harassing call, She finally said she would give me a month. She took the {$500.00} I offered as payment to go towards the settlement. I was able to take out {$4000.00} loan against my car. A month later when she called I paid the {$4000.00}, which she said still wasnt enough so I had to set up XXXX withdrawals. The last withdrawal payment was XX/XX/XXXX. I had money in the bank XXXX and XX/XX/XXXX if the agreement was for more. Overall my settlement was for {$5500.00}, which means between the two loans I borrowed {$21000.00}, with XXXX yrs to pay, and paid {$25000.00}, in 9 years. After the settlement I saw on my credit report XXXX XXXXscharged the debt and it has a {$0.00} balance. I have not heard from NCT or AES until last year when they filed two lawsuits against me asking for {$23000.00} for the {$15000.00} loan and {$8100.00} for the {$6500.00} loan. They claimed they arent affiliated with XXXX XXXX but they took the payment and recorded it as recovered principle and interest between the two loans. I then found, before I received the summons, my co signer received in the mail from XXXX a letter asking for a settlement from him this time, proving their affiliation again. Ive had 5 settlement conferences with them where the magistrate instructed them for better balancing and proof of debt. I was never supplied with anything new. I went to court XX/XX/XXXX where they brought a expert witness that works for them at trans world to explain how to read the loan. Before I got my turn to present my case the judge thought we should go to the breakout room and try to settle again. In the breakout room I asked about the balancing discrepancies and their expert witness had no explanation other than he didnt make those reports it was AES XXXX They offered me a {$12000.00} settlement. I said I would consider it, because I have XXXX XXXX XXXX XXXX XXXXs and can not afford a lawyer. I went on to consult with a financial advisor that advised I make this complaint. Now I have my second court date with the judge Wednesday XXXX XXXX.
Complaint sub-issue: Account information incorrect

For myself and my wife, Equifax is showing a balance due still for this mortgage that we had a completed XXXX for. As of XX/XX/2015 the owed balance should be {$0.00} no more late payments after that date. 

They however still show a balance due of over XXXX and over XXXX as " past due '' XXXX XXXX  XXXX and Equifax have been contacted numerous times but ignore the problem. I need it fixed so we can get a new mortgage starting XXXX of this year ( 3 year waiting period )
Complaint sub-issue: Funds not received from closed account

Citibank closed my account after it was compromised. It has been over a month and they have kept funds essential to my familys survival. They have not sent anything in the mail or email.
Complaint sub-issue: Public record information inaccurate

XXXX  XXXX XXXX is reporting a tax lien on my credit report that has been paid and the lien has been released. Each time I have attempted to dispute this information and provide a lien release document, equifax has required me to prove my identity through a method where I must answer questions that they say are identifiers that have been gleaned from my credit report. The questions are NOT FOR ME. NONE OF THE QUESTIONS MATCH ANYTHING THAT WOULD RELATE TO ME. When I answer " none of the above '' I get an error message stating that I can not be identified thus I can not be helped. This, in my belief, is being done to deter me from disputing this erroneously reported derogatory occurrence. 

I would like this resolved so that I can provide them with proof of my proper lien status.
Complaint sub-issue: Information belongs to someone else

fair lending act violations and fair debt act violations FTC violations on all accounts
Complaint sub-issue: Threatened to sue you for very old debt

A CO call us constantly named PLUS FOUR a collection agency here in XXXX XXXX, NV.XXXX county.Calling me and spouse regarding a debt? they do not mentioned the money owed and to whom.They have threatened us with a legal serving on a specific date Thursday XXXX XXXX 2017, or  to call an unknown number with an account #? We never got served ... nor did we called that number. 
The only money we owned is a medical bill due for {$78.00}. 

Please let us know if you could help us. 

Thanks.
Complaint sub-issue: Problem with fees

For the past few years I have scheduled my Citi Mastercard payment through XXXX auto bill pay on the due date, the XXXX of each month or earlier if it falls on the weekend. I have had no issues until this past XXXX. The payment was sent electronically to them on the XXXX and they Citi claimed they received it on the XXXX and issued me a late fee of {$25.00} which was reversed after I called. I even scheduled on the XXXX of the month and they still received on the XXXX even though it was sent electronically of the XXXX. Apparently this continued for the months of XXXX - XXXX. I was assessed a late fee of {$25.00} for XXXX and {$35.00} for XXXX and XXXX totaling {$95.00}. I brought XXXX XXXX  into to file a complaint and to contact Citi for resolution as their records showed payments sent electronically on the XXXX. We spent over an hour with no resolution and multiple transfers to no one that could assist. They even gave us a different phone number to call that was not even connected to the account.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 i sent a formal 609 letter disputing many inaccurate accounts to XXXX, Equifax, and XXXX. It has been well over 30 days and I have yet to receive any correspondence or updates from any of my inquiries
Complaint sub-issue: Account status incorrect

Equifax ; XXXX  and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when ALL of these accounts are in dispute. 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 ; and XXXX XXXX - XXXX. These accounts are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX Balance : {$160.00} XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$370.00}
Complaint sub-issue: Information belongs to someone else

I have tried to address this issue with this company I never heard of called XXXX. They are saying I signed something for them to run my credit on XX/XX/2019. 

I have called this company a few times and they had emailed me months back with a report to proof I am me and how if I did that they would remove this hard pull which I sent them my photo id to provide I am who I say I am and that I never authorized anything with there company. 

From what there company rep had said this would be removed from my credit report as long as I proved I am me. Which I feel I did. So I am unsure as to why this is still on my credit file.
Complaint sub-issue: Debt was result of identity theft

I received this letter in the mail today and it says that there is a {$4100.00} debt under my name through XXXX. This is not my debt. This debt is suspicious and Im going to file a complaint with the consumer Protection Bureau and Im also going to make an FTC report concerning this debt under my name. What do they sell at XXXX that cost {$4100.00}? Isnt XXXX a cellphone company. I do not use XXXX for my service. I use XXXX XXXX as my cellphone provider for the last 5 years. Im writing you guys back because the letter said Afni Inc is expecting a response from me by XXXX XXXX or they will assume that the debt is mine. I believe that I maybe a victim of identity theft possibly because I did not have XXXX and generate this debt for {$4100.00}. In order to dispute this debt and prove that it isnt mine, Im going to send a copy of a bill that I have from XXXX XXXX and an FTC report because I believe that Im a victim of identity theft. Im going to send in proof of my identity such as a copy of my passport and a copy of my social security card. I have also enclosed the FTC report and Consumer Protection Bureau report along with this letter also.
Complaint sub-issue: Their investigation did not fix an error on your report

They reported two accounts that are not mine and one has more than 7 years and they don't send me the method of investigation, take more than 30 days or more to replay me they have multiples violation and they don't do the right thing and deleted this accounts from my credit report
Complaint sub-issue: Was not notified of investigation status or results

The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am not requesting the itemized bill, I am requesting an instrument bearing my signature. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. 

By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry XX/XX/2022, 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 This inquiry was not authorized by me.
Complaint sub-issue: Information belongs to someone else

On XXXX XXXX XXXX, XXXX XXXX, XXXX add a hard inquiries on my credit reports per XXXX  and XXXX. 
On XXXX XXXX, XXXX, XXXX  XXXX  XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, XXXX add a hard inquiriy on my credit report per XXXX. The report does not include information about the creditor.
Complaint sub-issue: Debt is not yours

This phone bill was not mine and the company Jefferson Capital that took over can not provide proof its mine
Complaint sub-issue: Reporting company used your report improperly

In accordance with The Fair Credit Reporting Act this creditor has violated my rights. 

Under 15 USC 1681 Section 602, states I have the right to privacy.

Under 15 USC 1681 Section 604 A Section 2, it also states, a consumer reporting agency can not furnish an account with my written instructions.

Under 15 USC 1666b, A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

This creditor marked late payments on XX/XX/XXXX and XX/XX/XXXX to the credit bureau, which I contacted the credit agency explained and paid off my balance however, they refuse to update the Credit Bureau after they had already sent a report. I submitted a screenshot of a report from XXXX that was updated on XX/XX/XXXX, which shows that the credit agency marked another month ( XX/XX/XXXX ) as late, even though the balance statement is not due yet for XXXX.