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

I believe my HIPPA PHI rights have been violated. I DID NOT AUTHORIZE the sale/maufacture/contract of my personal health with this company. I recently created an account with Equifax. Upon account creation I noticed a collection account ( XXXX ) to the tune of {$1700.00} was on my credit report for medical collections. XXXX XXXX XXXX XXXXXXXX ( FL ) is the agency reporting this information. Once I recieved the information behind the collection on the Equifax portal ; I began communications with the collection agency via a Debt Validation letter. The letter was mailed certified XX/XX/XXXX. I have received a response from the company XX/XX/XXXX. The contents of their database disclose Reason for service. Not only is that my PHI but the " XXXX '' is a complete lie. I was only at the XXXX  for XXXX XXXX. I was processed in and back out within the time period of 2 hours. After reading further into their findings they included a document from the XXXX ( XXXX XXXXXXXX XXXX XXXX ). I never signed this document, received a copy from the hospital, nor signing this document. I was no incapacitated and was in a conscious state of mind. This document is signed via " Verbal Consent '' " Self '' and initialed " Verbal '' " Verbal. '' Not only was I not aware of this document but it also discloses my personal health information. I DID NOT SIGN/ AUTHORIZE this document. This is a clear violation and my personal health information was included along with extremely erroneous and false information. I need help settling this issue. The false medical reason of service is an extreme DEFEMATION OF CHARACTER. I am current awaiting response from XXXX and FTC. Seeking possible litigation if this issue is not resolved immediately. Please review my complaint as soon as possible. Thank you.
Complaint sub-issue: Public record

Equifax, XXXX and XXXX credit reporting agency are reporting a Public Record Bankruptcy inaccurately. The agencies are stating that the derogatory entry has been verified to be accurate by the Bankruptcy court and XXXX XXXX Reporting company. However, the Bankruptcy court DOES NOT verify information to the agencies as it is against Federal law. XXXX XXXX has confirmed that a Public Record does not reflect on my credit reports. Although I have challenged this inaccuracy with the agencies, they are refusing to remove the entry and update my profile and score. I am requesting that the CFPB advocate for me regarding this issue.
Complaint sub-issue: Their investigation did not fix an error on your report

No validations or error corrections
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

The complaint deals with XXXX XXXX XXXX, a company who claimed they were the Department of Education when I called for student debt relief. <P/>I went on XXXX to search Great Lakes Customer Service to see if I could get relief for my loans in XXXX since I was unable to afford payments. The number of XXXX XXXX XXXX was listed first and listed under Great Lakes Customer Service. Originally was told XXXX was the Department of Education Was told in XX/XX/XXXX I would not need to pay any money and be on income based repayment Received consolidation form ( apparently I need to consolidate before going to income based repayment ) Two payments of XXXX and another payment of XXXX was pulled from my XXXX XXXX XXXX checking account. XX/XX/XXXX got an email from Great Lakes saying I owed the full amount for loans XX/XX/XXXX, applied for Income Based Repayment myself Attempted to reach XXXX for weeks - no answer XX/XX/XXXX Attempted to email XXXX XXXX XXXX and was refused, they were not accepting any emails to that inbox Submitted a complaint on their site, and finally got a phone call Finally got someone on the phone Said they consolidated The only way to get income-based is to consolidate They told me that in XXXX, the amount I owed Great Lakes was only interest XX/XX/XXXX Spoke to XXXX from Great Lakes No consolidation is needed to qualify for Income Based Repayment Full amount owed - not interest Spoke to XXXX from Great Lakes Consolidation was part of Income Based Repayment, though unnecessary. Great Lakes received Income Base Repayment form in XXXX filled out consolidation and income I filled out in XXXX XXXX XXXX XXXX XXXX XXXX ( where the money was taken from ) Disputed the charges since it was difficult to get ahold of them and what I paid for was n't done. <P/>XX/XX/XXXX Called XXXX for follow up XX/XX/XXXX Received call from XXXX, reason of complaint was never filed Unsure if file made it to supervisor Said if I filed charge through the bank, there was nothing they could do Told me I should be thankful for their help. ( " You did n't go into debt because of our program, you went into debt because you took out a loan for XXXX XXXX XXXX dollars ) Was unwilling to listen to my arguments, interupted every time I tried to explain my problem.
Complaint sub-issue: Account information incorrect

I took a loan out with a company for {$2500.00} in XX/XX/2016. I ended up on XXXX, XX/XX/2016 and couldnt pay any more. That company sold my loan to another company called XXXX XXXX XXXX, XXXX. I have tried to call this company on different occasions but just get a recording. I have paid and settled this loan with yet another company that XXXX XXXX sold my loan to for the amount of {$2600.00} in XX/XX/XXXX. Both of these two previous companies are on my credit Report and I have tried to disput this with experience credit reporting agencies and the original creditor and I keep getting the same results. They refuse to acknowledge that the loan has been paid and Report it natively.
Complaint sub-issue: Reporting company used your report improperly

This complaint is simply to notify you of my intent to sue your company for the persistent violations of my consumer rights per the Fair Credit Reporting Act and Federal Trade Commission as well as to give you one last chance to remove these erroneous accounts from my credit report immediately. 

1. Proof of repeated attempts to dispute and resolve this frivolous account directly with your agency over the past several months. I have copies of the several dispute letters sent to and received by you.

2. Proof of your repeated frivolous Verified responses. I have proof from these data furnishers stating that you never contacted them to investigate.

3. Proof of your refusal to sufficiently investigate, including recorded phone calls that can be used in a court of law.

4. Proof that you have refused to forward ALL proof and documentation that I have provided to you for the data furnisher in regards to my dispute.

5. Proof of your repeated violations to continue sharing and profiting from inaccurate, incomplete, and unverifiable information about me to potential creditors.

I have all the proof that I need to take you to court and win as, by law, you are not allowed to report this information as you have been, especially for a debt that is NOT MINE.

Therefore, I have every right to take you to court to seek damages for what you have put me through. However, it would be more beneficial to me to have this account removed sooner than later and thus, the reason for me giving you, literally, ONE MORE CHANCE to do the right thing and resolve this matter outside of court, saving you more than approximately {$10000.00}.

I've counted at least 10 violations of my rights to date and most of which, you have violated on multiple occasions so if I do pursue legal ramifications, then you will not only be looking at FINES of {$1000.00} per occurrence ( totaling $ 10,000- {$20000.00} ), but you will also be looking at whatever monetary damages that the court sees fit to award me, including legal fees.

Please do the right thing and remove these inaccurate accounts from my credit reports within the next 15 days and I will NOT move forward with my intent to sue. OR you can simply ignore this letter, as you have repeatedly done so in the past, tacking onto the repeated violations you've already made, and take this thing to court where we will settle it there.

If I do not hear from you within the next 15 days, then I will simply check my credit report again in 15 days. And if you are still reporting inaccuracies at that time, then I will have to assume that you have chosen to ignore my requests for a resolution to this erroneous information yet, once again.
Complaint sub-issue: Attempted to collect wrong amount

A collection agency by name " Bureau of Account Management '' has sent me a letter for collecting debt for amount {$4600.00} on XXXX XX/XX/XXXX. This is for the medical services provider " XXXX XXXX XXXX XXXX '' for date of service on XX/XX/XXXX. 

The amount due as mentioned in the letter for {$4600.00} is incorrect. I called up the provider and had a conference call with collection agency representative on XX/XX/XXXX, where the amount due as confirmed by the provider was {$1100.00} The collection agency was supposed to send me a letter confirming the revised amount, but I did not received any letter. Instead the collection agency representative keeps calling me and leaving phone messages.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I sent in a letter disputing and challenging the accuracy of the item being reported on my credit report ( see attached ). Via section 609 letter of the Fair Credit Reporting Act ( FCRA ), I requested that Equifax provide debt validation and debt verification on this item. In addition, on XX/XX/2021, I sent in a 30 day demand letter XXXX see attached ). It has been over 30 days from the original letter and I have not received a response. This is a clear violation of consumer laws and the Fair Credit Reporting Act XXXX FCRA XXXX. I demand that this item be immediately removed and deleted from my credit report.
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 ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX and the subsequent response received on XXXX XXXX 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.

-- AUTO LOAN OR LEASE 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Debt was result of identity theft

I pulled my credit report and was shocked to find a fraudulent account. I reported and disputed it as identity theft. The so called account was for an address in a town and state i have never lived and was for cable service. Further investigation revealed it was XXXX XXXX and AFNI was trying to collect. I never received any notifucation of this so called debt from either XXXX nor AFNI but theyve been illegally report8ng it negatively hurting my credit. I contacted both and notified it was not mine and fraud. Likewise i reported it to all three bureaus as fraud. However, all returned it as verified
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have 7 hard inquiries on my credit report that are not from me.
Complaint sub-issue: Debt is not mine

A company named XXXX has accused me of owing {$210.00} for a product I return within 60 days, which a customer service representative told me I could if I was not 100 % satisfied. They said I ordered it on XX/XX/2016 and I returned it on XX/XX/2016. However, they threatened to report it to the credit bureaus. 























































XXXX
Complaint sub-issue: Information belongs to someone else

I checked my credit report and noticed a few accounts that do not belong to me
Complaint sub-issue: Reporting company used your report improperly

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX5 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Complaint sub-issue: Problem accessing account

I had opened my new account at Citibank on XX/XX/2021 @ XXXX AM CST and made the required deposits. I then started to move my money over from XXXX XXXX to start the transition to Citibank. The following day XX/XX/2021 or so I needed access to my funds to get food for my children and was greeted with a message that my account had been restricted for security reasons and for assistance to call and provide the error code XXXX never receiving an email in regards to this issue. When speaking to the agent and providing security information I was told that I could not be helped and needed to be transferred to another department after being on the phone for over 30 minutes. I then escalated to a manager for assistance just to be transferred to another department. When the agent picked up the line and reviewed account I was told that she could not assist me and that I needed to dial another number and press options 2 then 5. After spending over a day to get in touch with a department that was supposed to be able to resolve the issue I was told yet again that there is nothing they can do and I have to wait for 1 to 2 hours to receive a callback. No phone call received and I call again on Monday XX/XX/2021 @ XXXX AM CST spending yet another pointless 33 minutes on the phone I still not get the help that I should be getting. This bank should not be in business if this is how they are going to treat their customers. All I want to do at this point is put it on record how I have been treated with Citibank and I want my account closed and money refunded back to me.
Complaint sub-issue: Having problems with customer service

XXXX As in that case, there is no circumstance under which Defendant could legally report an obsolete debt to a credit reporting agency or make a positive report in the event of payment. The implication that Defendant could do so here is misleading on its face. '' The above recent court case XXXX XXXX 2016 serves as an addendum to my previous CFPB complaints ; my disputes directly with my servicer ; and through the DOE. As such, letters received after negative payment data was furnished to credit reporting agencies, suggested that the credit history could be fixed if delinquent student loans were brought current. First, that was not true. Second, I did what was required of me to stay current. Third, despite doing that ; they defaulted me and reported negative payment history inconsistent with my activity as if I did nothing. Due to the Government Shutdown, time was wasted, and ultimately my U. S. Senator and the DOE reviewed the issues being disputed. After all that, in full knowledge this servicer made a similar claim of credit repair U. S. Mail as a " carrot '' and redemption as a " stick. '' When I sought clarification about the credit repair they took a helpless position as in the past is not fixable. So that was false, in the sense that negative reporting can somehow magically be overcome with good reporting. Not only was the language in writing presented as clean slate but in my case there was nothing on my part to cause it. So this leaves the student debtor with a deliberately distorted credit report for no reason. The servicer has total control over furnishing truthful credit reporting. In view of the Government Shutdown, any accounting dispute that very month should be consider positive payment history. So this case addresses a number of issues. The one that applies to AES is credit repair-esque language. Though " settlement '' is not the precise word used, in the case of AES communication to me, the notion of future payments equating with credit reporting status is deceptive. One has nothing to do with the other. AES did this in XXXX different ways in XXXX different communications. Once clarified, default was no worse than the damage they already did with false negative reporting that they refused to fix. It was a Catch 22. No matter what I did, the past was etched in stone on up, to XXXX credit reports. The purpose of this complaint is to let AES know that mail fraud is different and beyond this case XXXX XXXX 2016 weblink ; but not mutually exclusive to its legal issue.
Complaint sub-issue: Their investigation did not fix an error on your report

This account is still reporting XXXX XXXX XXXX
Complaint sub-issue: Problem lowering your monthly payments

In XXXX I graduated from XXXX XXXX XXXX XXXX with what I thought was a beautiful path ahead of me. Very long story short, despite overwhelming guarantees, my degree and experience at XXXX could not deliver on promises made. We were misled and manipulated by XXXX XXXX and XXXX XXXX XXXX XXXX a known bad actor, and we have been waiting years for XXXX to receive some sort of relief after getting ripped off - Where is forgiveness for us? There has been no communication from the XXXX about the denials. Why is XXXX taking so long? Why were we blanket denied with no clear reasoning after we fought tooth and nail via the legal system just to get out of the soul-crushing limbo the XXXX left us in for years? 

Up until recently my combined government and private student loans required monthly payments of {$1400.00} per month, it used to be {$1800.00}. Due to my household losing half its income during the pandemic I was able to fight to bring this number temporarily down to about $ XXXX. This is unsustainable, my private loans are crushing me to death. 

Between personal debt accrued just trying to make ends meet over the years and these student loans, I am constantly in a state of financial anxiety, just living paycheck to paycheck. I can not see a future where I own a home or feel secure in starting a family, and that is a horribly crushing feeling. Neither me nor my mother will be able to retire at this rate.
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my XXXX XXXX Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished Lexis Nexis, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. Please remove any other variation on my name it is not accurate. My DOB XXXX. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. 
My employer is XXXX I have had issues with unknown addresses on my credit report please remove the following addresses they are not accurate : XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX  XXXX, XXXX, OH XXXX-XXXX The following phone numbers are not mine please remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Complaint sub-issue: Other problem

Credit card company converted my account billing from USPS mail to paperless without my knowledge nor consent. 

My credit card statement was mailed to my USPS mailbox in early XX/XX/XXXX. But, no statement was received in early XX/XX/XXXX, I contacted the CC company to ask about my bill. The customer service rep said that I was enrolled in paperless billing. 

I never signed up for paperless billing. I was never asked if I wanted paperless billing. CC company flipped me to paperless billing. 

This practice puts consumers at financial risk. If they wait for the bill to come, but it doesn't because the CC company flipped them to paperless without their knowledge, they are likely to pay bills late and incur penalties and interest charges.
Complaint sub-issue: Problem making or receiving payments

I use a XXXX XXXX app and you guys wont let me link my bank account to it
Complaint sub-issue: Debt is not yours

I have received A notice of past due account from EOS CCA Dealing with a loan I supposedly received at the XXXX XXXX XXXX. All of my student loans incurred at the XXXX XXXX XXXX have been discharged due to my full and complete Veteran 's XXXX, and the amounts they are specifying that I " received '' in the letter, I never have and have no knowledge of such transactions with this company, nor the referenced company XXXX XXXX. This is a severe case of identity fraud, it can be no other option. 
I want this false account not only dissolved but removed from any and all credit bureaus IMMEDIATELY, or they will face severe civil legal action.
Complaint sub-issue: Problem with personal statement of dispute

Ok, Back on XXXX my husband become to be on worker comp from work, and we have a lot of problem back them. he was facing foreclosure from XXXX XXXX XXXX and, he was going crazy to save the home ware we live with our XXXX kids. So he was refer to get help from PA HOUSING FINANCE AGE, so they help him to save the property with o low montly payment until the situation change. Well with all this mess and bills, from al type that a home can have, with fill the banckcrucy chapter XXXX on XXXX and was aprove, we pay bak part of the money in 3 years of 5 year agreement, we dit a loan modification, and thinks star to change good for us ... now at that point my husbad have the home loan with XXXX XXXX, and the PA HOUSING FINANCE AGE borrow him the money to save the home ... when with dit the bankcrucy we have the benefit to have remove that loan because the hosue is under water..so he old XXXX dolarr on home morgage and the hosue price is only XXXX, plus the deb of {$19000.00} with interes and fees from Pa Housing Finance Agency . so this was aprove by the Agency and courth, and that deb become to past a unsecure deb, so was remove and we dont have to pay bak that loan.

whern that happen i have to sing as JOIN on that loan since iam on the DEED of the property so we are secure if anything happen ... .Now i see on my credit report that show and iam traying to buy a home even if has been remove and we dont have to pay back and become a unsecure ..some bank are taking this as excuse to NOT aprove the loan ... .becasue this show on my credit. i have this dispute this to thenAgency tru the credit dispute page and the Agency dont wan to remove that from my credit. 
this was my husband loan with XXXX XXXX, iam not on that loan..and i have to sign that document from PA HOUSING FINANCE AGE because iam on the Deed ... and was the only option we have to sabe our home.

this is what is hurting my credit score and bank or private lender dont wan to help me to get a new home for that reason.