Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

I am requesting that you allow me to validate the " XXXX '' alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Complaint sub-issue: Attempted to collect wrong amount

ENHANCED RECOVERY CO  XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX  The company listed above has placed a collection on my credit report as of  XXXX   XXXX ,  2017  stating that I owe a debt to them in the amount of  XXXX . The original debt was to  XXXX   XXXX  and the debt was for less than the amount listed, this company has no legal authority to collect any debt from me and this should be removed from my credit. The original debt is alm ost 7 years old.
Complaint sub-issue: Public record information inaccurate

The DISCOVER FIN SVCS LLC account with the account number XXXX that is being furnished on my Credit Report is inaccurate and old. The account included in the bankruptcy are removed after seven years. Please investigate the date of this account being reported as a bankruptcy. I've already sent letters to both the Credit Bureaus and the furnisher without any successful resolution. Please provide me a copy of the legal documents and any proof to verify the account 's status. Otherwise, removal of the account should be highly recommended.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act 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 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  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
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, XXXX I was notified that my personal information was potentially accessed illegally, without my consent, via a massive data breach at Equifax. This data breach occurred late early XXXX of XXXX and Equifax failed to notify me in a timely manner.
Complaint sub-issue: Threatened or suggested your credit would be damaged

University of XXXX is illegally reporting on my credit report and pushing forward dates of last activity. ( Date of payment ) This is allowing them to keep it on my credit report when a private student loan is supposed to be removed from 7 years of last payment. This has been opened since 1998 and needs to be removed from the credit report because it is a clear FCRA Violation.
Complaint sub-issue: Having problems with customer service

My Nelnet loan was paid in full, to a XXXX balance, on XXXX/XXXX/16. Nelnet then withdrew another payment from my checking account on XXXX/XXXX/16, even though I had a XXXX balance showing on my online account 5 days prior. A phone rep said the withdrawal of extra funds past the XXXX balance was my fault, since I did n't cancel autopay. I asked where the policy of taking money from customers with a XXXX balance was on their website ; I have never heard of any company that auto debits customers with a XXXX balance. The rep said I will get a refund back 4 to 6 weeks ( with no interest for me of course ). Nelnet needs to stop the practice of taking money from people with a XXXX balance. A XXXX account balance should trigger a Stop Pay. And if Nelnet does over bill, they should refund any money they took in error immediately, not 4-6 weeks later. I requested written communication from them describing exactly how and when they intend to refund the money ; I 'm waiting to get a response.
Complaint sub-issue: Received bad information about your loan

Account number XXXX Fed Loan servicing. I was listed as a cosigner for the loan I was a victim of identity fraud, XXXX XXXX was Ex classmate in XXXX in college, I have not seen her or talked to her in 22years, I do not know where she is living now, The last time I had contact with her she was in XXXX XXXX, How she got my information to obtain the loan I was not aware of, I did no realized what was going on until I received a letter XX/XX/XXXX from Fed loan, I call Fed Loan to send me a fraud package to fill to proof to them that i did not cosign the loan, they refused, they made many promises for weeks and did not send the package. I filled a police report, contacted FTC and followed the recovery plan for identity fraud. I send documents to Fed loan servicing, XXXX, XXXX and XXXX to correct my credit record it were done by the credit companies. 
I call consumer advocasy the branch of FedLoan to made a complaints of the company failure to send fraud package, I was promised that the loan will be removed from my name. 
I continues to received daily even twice daily phone calls, every other day letters from Fed Loan claiming that they want me to repay the loan I made. I explained to them that my name should be removed from the loan, I did not cosign. I requested to see the document that they have about the cosigner up till now they refused to produce it.
Complaint sub-issue: Didn't receive enough information to verify debt

I XXXX XXXX entered into a consumer credit transaction with Mechanics Bank XXXX XXXX on XX/XX/202. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Mechanics Bank XXXX XXXX took cash. Mechanic Bank XXXX XXXX did not disclose my Right to Rescission in the contract which they should have pursuant to 15 USC 1635.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Hello, On XX/XX/2019 my score was XXXX. 6 days later the scores with XXXX XXXX, XXXX, Equifax, and FICO all went down to the 670s, ranging from 670-673. In the last 90 days, I opened a credit card that always stayed at 40 % of the balance. I also renewed an Income Based Repayment plan with my student loan creditor, XXXX XXXX XXXX. 

I was confused as to why my score went down and so are the employees at the credit reporting agencies. They have been unable to tell me why my credit score went down so suddenly. I'd love some advice please. 

Thanks
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX, I finally received a copy of my XXXX report number # XXXX, dated XX/XX/XXXX. 

I immediately noticed an error that was disputed and removed ( 2 ) years ago, specifically XXXX has added under reported names : XXXX XXXX XXXX which is not my name nor have I ever used this name. 

XXXX XXXX then would not allow me to dispute this and other inaccurate information contained in my credit report. XXXX said I had to provide proper identification. 

To obtain said report I sent XXXX a copy of my social secuirty card, U.S. Passport and XXXX XXXX bill via certified mail which verified my name and address. 

XXXX refused to send my credit report until I provided this information and after I filed mutiple reports with CFPB to attempt to obtain said reports. 

In addition, I filed several complaints with the CFPB against XXXX and XXXX XXXX who reported this name in error in XXXX, XXXX, XXXX. XXXX 's sent XXXX several letter requesting removal of the name XXXX XXXX XXXX from my file. 

This information was removed and apparently re-inserted without the consumer knowledge in voliation of FCRA. 

Therefore, I am again filing formal charges against both XXXX XXXX and XXXX XXXX for voliation of the FCRA. XXXX 's intentionally created this problem with the credit bureaus in retailation for several complaints I filed with the CFPB against XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a letter to XXXX dated XX/XX/2022 regarding XXXX XXXX XXXX  ( account # XXXX ) that is showing on my credit report Upon closing of their investigation their report # XXXX results stated " Remains '' The account can " Remain '' HOWEVER I am hereby requesting that all lates be deleted. 

I have been a victim of their breaches and their failure to remove the information will result in a lawsuit per FCRA regulations Theyre not a government agency and I believe theyre colluding as their business entity is a publicly traded company and this seems to be some sort of extortionate credit transaction. 

These errors have caused a denial of extension of my own credit to me
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance {$17000.00}
Complaint sub-issue: Their investigation did not fix an error on your report

My XXXX XXXX XXXX XXXX credit card account has not been updated since XX/XX/2022. I have paid off this card, but it has not been updated on any of my reports. I have disputed the account balance twice as it is not the correct information and shows a {$480.00} balance.
Complaint sub-issue: Account information incorrect

XXXX. XXXX XXXX Balance amount is inconsistent with other credit agency. Please delete immediately.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020, I sent a letter to Equifax about inaccurate and unverifiable items on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.
Complaint sub-issue: Their investigation did not fix an error on your report

I have an account with L J ROSS ASSOCIATES IN ( Original creditor : XXXX XXXX  ) with the account number XXXX. The dates where it shows that I am late in making my payments were an error. I have not received any billing information from them or any notification stating that I am late. I have reached out to XXXX Bureaus and furnisher but I have not received any forms of response from both parties. Thus, I am sending this complaint to seek help and assistance for me to have this account updated into positive and remove all the late statuses.
Complaint sub-issue: Problem with product or service terms changing

Account was placed into suspension, Im not able to use card or order new card along with increase my credit limit ; due to me being denied because of erroneous information being furnished on my account by other companies. Discover is denying me credit or to extend my credit due to the information they obtain every month from running soft inquiries on my consumer report. All of these acts from discover are violations under the FCRA, TILA and ECOA.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX and XXXX are reporting incorrectly a collection/chargeoff in the amount of {$1100.00} on the XXXX XXXX XXXX/XXXX XXXX XXXX partial account number XXXX. Equifax ; XXXX  and XXXX are reporting incorrectly a collection/charge in the amount of {$840.00} on the XXXX XXXX XXXX/XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I was in an automobile accident and the accident was not my fault. The other driver was at fault and their insurance company, XXXX, covered all monetary responsibilities for the accident, including all of my medical bills. ( I have attached a copy of the police report for reference. ) The accounts referenced above should have been paid and therefore no outstanding balances are due. I was not aware there were medical collections until I obtained a most recent copy of my credit report. I never received any letters or any communication of any kind and consequently I had no idea there were any outstanding bills associated with the automobile accident. Continuing to report a collection/chargeoff on my credit report is a violation of the Fair Debt Collection Practices Act. This false reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these line items from my credit report however, I have not been successful.
Complaint sub-issue: Debt is not mine

found a debt for account XXXX on my credit report. I have never had an account with XXXX XXXX XXXX who they claim to represent. It could potentially be a family member with the same name, but it is not mine. I use XXXX for cell service, not XXXX XXXX XXXX.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report XXXX percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX from XXXX XXXX XXXX sent me an email on XX/XX/2020 at XXXX with a pdf file attached, which said my XX/XX/2020 payment was late. I responded the same day on XX/XX/2020 at XXXX to XXXX XXXX XXXX  and informed them I had already paid my mortgage to them in sum of XXXX via my XXXX XXXX . I have attached a copy of this correspondence. I also spoke to the assistant branch manager at the XXXX, MD XXXX for XXXX XXXX XXXX  on XX/XX/2020 regarding XXXX mortgage dept. not getting back to me regarding them reporting negatively on my credit, after I was told previously by the telephone representatives with XXXX XXXX XXXX  in XX/XX/2020 that they would allow me to send them information showing that my bank ( XXXX XXXX ) paid the wrong mortgage company. Attached is the correspondence from me to XXXX at XXXX XXXX XXXX. I was told by XXXX XXXX XXXX  that the mortgage dept wanted my cancelled check from my bank ( XXXX ) showing that I had paid my second mortgage company and XXXX XXXX XXXX  in XX/XX/2020, but that XXXX XXXX  sent both checks to XXXX  XXXX ( my second mortgage company ). XXXX XXXX  made both checks payable to XXXX  XXXX ( my 2nd mortgage company ), although I wrote in the memo of the check the loan-account number for XXXX XXXX XXXX. I found out later it was an error with their ( XXXX ) system which is why one check had a loan number for XXXX and one check had the loan number for my second mortgage company in the memo. On XX/XX/2020, XXXX XXXX XXXX  responded to my emails and said that the mortgage company for XXXX agreed to remove the negative reporting that my mortgage was late XXXX XXXX  since I could show that I paid them. I had filed a compliant with XXXX  on XX/XX/2020 because XXXX mortgage dept was taking too long to respond to me. However, the letter XXXX sent in response to my better business bureau and a previous CFPB complaint, said they were giving me back a late fee, but it did not say they were ALSO removing the information from my credit report as they previously agreed. XXXX XXXX XXXX   mortgage dept had previously said they would do so once I showed them I had in fact issued a check from my bank to them with the loan number to XXXX in the memo of the check and not to my second mortgage company. I am requesting that they remove the negative information from my credit report, as they previously agreed on XX/XX/2020. It was not my fault, I initially thought I did something wrong with XXXX but I did not, I did input the right information and loan number but my bank sent it to wrong company. I also attached the cancelled checks from XXXX XXXX  which supports the loan number in the memo was for XXXX in XX/XX/2020 and not my second mortgage company. I need XXXX to do what they said they would do, remove the negative report from my credit.
Complaint sub-issue: Problem with statement of dispute

They will not remove these XXXX accounts below accounts from my reportXXXX XXXX XXXX FCUAcct # XXXX Acct # XXXX Opened : XXXX Date Opened : XXXXBalance : {$12000.00} Balance : $ XXXXI have disputed these accounts with Equifax Information Services , LLC numerous times. But they will not and have n't removed the information. Experian and TransUnion have removed these accounts from my credit files but Equifax has failed to do so. They keep saying the information is being verified but have yet to provide me with the documentation they 're receiving from the creditor stating the information is mine and not fraudulent. I would this matter to be resolved ASAP as I have disputed it multiple times with Equifax. I can not obtain credit due to these inaccuracies on my credit report. Hopefully, Equifax does it 's job this time and thoroughly investigates, then removes the items from my credit file. I have attached a copy of the police report that I received and other documentation that I sent to Equifax for removal of those fraudulent accounts. Thanking you in advance for your cooperation. 

Regards, XXXX XXXX
Complaint sub-issue: Didn't receive advertised or promotional terms

I recently applied for and was approved for a Discover it cash back rewards card. The promotional mailer I received via XXXX, as well as their website, and terms, all state the promotional introductory APR of 0 % for 14 months for new purchases, as well as a balance transfer APR of 0 % for a period of 14 months. Additionally, all their terms very clearly state that depending on creditworthiness your APR will vary between 13.74 % and 24.74 % after the promotional 14 month period expires. 

Upon receiving my card in the mail a few days later, the printed agreement I received had completely different terms, other than what was advertised. I received no promotional APR for 14 months, and a completely different balance transfer APR of 10.99 % for 6 months. 

After immediately calling customer service and speaking to a variety of managers, it was explained to me that they reserve the right to alter or change what is actually given in terms of APRs, intro rates, or promotions, based on my creditworthiness. A customer service rep was able to approve a 12 month offer of 0 % APR for new purchases, but could not alter or give me the advertised balance transfer APR. 

Absolutely no where in the fine print in my mailed offer, on their website, or in the terms of the application which I downloaded, does it state that the actual offer itself is contingent on my creditworthiness. It only states, and very clearly so, that the APR given AFTER the promotional offer expires will fluctuate based on my creditworthiness. 

The sole purpose of my applying for this card was to take advantage of the balance transfer option. Their mailed and printed advertising is grossly misleading, and Discover was unable to give me the offer as advertised.
Complaint sub-issue: Banking errors

On XXXX XXXX, I go to Citi Bank XXXX  XXXX ( CA ) branch to open a bank account where the staff XXXX XXXX ( NMLS XXXX ) told me I am eligible for the offer of {$400.00} bonus. XXXX told me within 30 days I need to deposit {$15000.00} and maintained the account for 60 days then I will get my bonus. I accomplished the deposit for {$15000.00} in XX/XX/XXXX and in XXXX I called the branch to see why my bonus didn't come in. XXXX told me I need to maintain the account for another 90 days which she NEVER mentioned when opening the account. So I waited till XXXX, still nothing in my account. I called back again and she said I was missing the XXXX form which I need to go to the bank and file the document and the {$400.00} will be wired within 10 days. I did go to the bank on XX/XX/XXXX and she filed the document for me, after more than 10 days, I called the customer service since I still didn't get the offer. They help me to file an investigation, another 10 day passed, I call the supervisor and was told that a mail had sent out on XX/XX/XXXX informing I met all bonus conditions, but I didn't receive it at all. I called it again and this time I was told that I need to open another saving account. During the whole process, the agent XXXX XXXX who is responsible for opening the account for me had never mentioned once about the saving account. I did ask about the saving account and she told me it's fine to not open it, it won't affect the promotion. I know for sure just because I asked and she did respond to me and my spouse that way. Citi could review the footage to prove that. It's been more than 6 months and she didn't even mention when last time I went to file my XXXX as her request on XX/XX/XXXX. I asked about why the offer didn't come in after I qualified all the requirements. She said it's because of the XXXX form, once we filed it, the money will be transfer in 10 days. The supervisor helped me to transfer to another agent XXXX who promise to escalate the case for me on XX/XX/XXXX. This bank error by staff caused me 6 months and still got nothing of my {$400.00} as XXXX promised. Please help, thanks.