Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

I got a Final Notice in the mail today from RMB Inc, stating that I have chosen to ignore their previous communications for a debt collection in the amount of {$670.00} ( for XXXX XXXX XXXX XXXX, ie XXXX XXXX XXXX, rendered on XXXX/XXXX/XXXX ), which is false. Not only did I pay what they said I owed in the amount of {$490.00}, but I promptly corresponded each time I received a notice. On XXXX XXXX, I mailed out a letter to their XXXX address ( at XXXX XXXX XXXX XXXX ) attempting to dispute the validity of the debt, as I contacted their billing offices upon receiving their bill, and in which XXXX XXXX XXXX XXXX stated that they would accept a 40 % prompt pay discount in full in consideration of my uninsured status ( as paid on XXXX/XXXX/XXXX ) ; RMB Inc ignored this letter and sent another debt collection notice. I 'm enclosing proof of payment as well as the bill and email regarding billing, saying it would be resolved. The date of the emergency care was at a time too where, to my knowledge, my XXXX insurance was still active. I am now covered by XXXX XXXX XXXX ( XXXX XXXX XXXX plan ). Thank you for helping me resolve this matter.
Complaint sub-issue: Charged too much interest

I was offered a balance transfer offer in XX/XX/XXXX for one year until XX/XX/XXXX at 0 % and only pay a balance transfer fee. 
Since I have done this promo on this card, I have been accessed interest every month and I am being told it is because I made purchases. 
I have proof that I have clearly paid way above what is needed to be paid to not incur any interest and they will not remove it and tell me they dont even see a promo and I must pay my card down to {$0.00}. 

I am being lied to and ripped off by KeyBank.
Complaint sub-issue: Their investigation did not fix an error on your report

I have filed a police report for 6 months and they never receive the documents, of course not certified mail. Never got them on their own upload. XXXX won't even dispute them unless I mail them XXXX copies which I did but they never received them of course, nor did Equifax. It is an Applied Bank XXXX from XXXX of XXXX, I have called Applied bank XXXX times and they can not even find It in their system, but all XXXX bureaus verify it as accurate which is a lie because they can not even find it! I am so done with these Credit Bureaus holding my Credit down so they can make money for credit repair, sent Identity Theft Affidavit and that wasn't good enough, they took XXXX minutes XXXX verify me only to say no they won't help me unless I filed a FTC report, that was wrong, you are the CFPB. Their employees don't know what they are doing with missed info, really??? Please help me!!! 
XXXX has XXXX XXXX XXXX for {$2400.00}, the other XXXX have got that right. 
Someone keeps trying to buy a car with my XXXX Hard Inquiries XXXX XXXXXXXX Finance, XXXX times Experian response XXXX disputing Applied Bank : Our reinvestigation of the dispute ( XXXX ) and/or another request ( XXXX ) you recently submitted is now complete. If we were able to make changes to your credit report based on the information you provided, or if you requested the addition of a statement, we have done so. Otherwise, we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. 
There are only XXXX inquiries on Experian Finger XXXX on XX/XX/XXXX and XXXX Main Financial on XX/XX/XXXX so Please tell Equifax and XXXX to take all those XXXX other inquiries off of my XXXX report since they will not help me!!
Complaint sub-issue: Problem lowering your monthly payments

I have a total of {$150000.00} outstanding The issue is that my servicer for four of these loans, nelnet, has {$46000.00} split into two payments. One for {$140.00}, and the other for {$60.00}.

I thought it woukd make sense to consolidate these notes, however, once on StudentAid.gov, the option to consolidate raises the interest rate from 6.8 % to 6.875 %, and it raises my monthly payment amount for the Extended Fixed plan to {$320.00} per month.

Whereas, my current two payments are a total of {$200.00} per month.

A simple loan consolidation should cost less money in the long run, not more. 

I do not understand how these repayment estimates work : Standard You will pay a total of {$100000.00} over 360 months {$300.00} - $ XXXX/month Graduated You will pay a total of {$110000.00} over 360 months {$260.00} - $ XXXX/month Extended Fixed You will pay a total of {$96000.00} over 300 months {$320.00} - $ XXXX/month Extended Graduated You will pay a total of {$100000.00} over 300 months {$260.00} - {$45.00} Why am I scheduled to pay over twice what my loan principal is? 

$ XXXX/XXXX  = {$460.00} x 6.875 % = {$3100.00} + {$46000.00} = {$49000.00} total to pay back. 

However, the Government student loan industry expects me to pay : Standard : $ XXXX/ {$49000.00} = 220.8 % of the original loan terms. 

Graduated : $ XXXX/ {$49000.00} = 236.6 % of the original loan terms. 

Extended Fixed : $ XXXX {$49000.00} = 195.7 % of the original loan terms. 

Extended Graduated : $ XXXX/ {$49000.00} = 211.9 % of the original loan terms. 

I'd like to know how this is legal? If I had borrowed a 300 % payday loan every semester to cover my expenses, at least I could declare bankruptcy.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted disputes to XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX asking for verification of creditors that were reporting on in credit file. I sent the request via certified mail with a return receipt. This was mailed XX/XX/2019. I had already been received a negative rating because of the various creditors before my dispute. But, after the supposed investigations from XXXX, were completed, my scores received additional negative ratings. This in my opinion is like being charged twice for an item that I had previously been charged. In some instances, my scores went down by as much as seventy ( 70 ) points. That not right or fair to me the consumer. There as also creditors reporting the same item on my creditors report twice. Thats a double hit to my credit. The creditors are also re- aging items that are in the dispute. This should not be allowed. Also, I had a XXXX balance on my two credit cards, but it took the credit agencys least two or more months to reflect that on my credit file. Some still have not updated that information. When the information is not updated in a timely manner, it causes my credit score to remain low and not reflect the true score. Also, I told these same agencies that some of the information is stated as a credit card or a personal loan when in fact the item in question is neither of those things. Again, it causes my scores to be inaccurate. Also, in XXXX XXXX account makes it as though i closed seven accounts but in actuality my XXXX account was never closed. I added to my account but they make it seems as though I have several closed accounts and this is causing my scores with the three credit agencies to be incorrect. Even the balance of the accounts on my credit file are not reporting as accurate and I have brought this to the attention of the agencies to no avail. Im a veteran who suffers from XXXX and this is causing me even more undue XXXX XXXX XXXX because the agencies and companies are failing to follow the rules that are set forth by CFPB. I need help
Complaint sub-issue: Personal information incorrect

Wrong phone numbers listed wrong address and my name is misspell on multiple credit reports
Complaint sub-issue: Their investigation did not fix an error on your report

During a recent review of my personal consumer credit report, I saw what seems to be some unauthorized and/or fraudulent credit inquiries, as well as ones that were clearly deficient of the compliant demonstrated permissible purpose ( to be kept or disclosed lawfully ), allegedly made by the following Original Creditors. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. EQUIFAX failed to provide a copy of a credit application authorizing the disclosure of my credit files with my signature. If a signed authorization can not be found they are required to remove the inquiries from my credit report. Also, per pursuant of section 604 it indicates the only permissible purpose for inquiries are firm offer of credit, court order, employment and insurance. From my records neither did I authorize these inquiries there is not permissible purpose that applies so therefore EQUIFAX is REQUIRED to immediately remove each and every last one of them from my credit report.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, am a living human being, have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. demand the accounts listed below be remove because According to 15 USC 1681 : have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

1 ) XXXX XXXX XXXX account number XXXX XXXX date opened XX/XX/XXXX bal {$160.00} 2 ) XXXX XXXXXXXX XXXX XXXX  account number XXXX XXXX date open XX/XX/XXXX balance {$400.00} 3 ) XXXX XXXX XXXX account number XXXX XXXX date opened XX/XX/XXXX balance {$110.00} 4 ) XXXX XXXX  account number XXXX XXXX date open XX/XX/XXXX balance {$520.00} 5 ) XXXX XXXX account number XXXX 6 ) XXXX account number XXXX balance {$7600.00} date opened XXXX 7 ) XXXX XXXX XXXX XXXX  account number # XXXX date opened XX/XX/XXXX balance {$2200.00} 8 ) XXXX XXXXXXXX XXXX  account number # XXXX date opened XX/XX/XXXX 9 ) XXXX XXXX XXXX Account number # XXXX 10 ) XXXX XXXX XXXX XXXX  account number # XXXX date opened XX/XX/XXXX balance {$470.00}
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 {$19000.00} 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 ) 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a credit limit of {$19000.00} -This is not my account.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : LOANME INC XXXX Date Opened : XX/XX/20 Balance : {$0.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Vance and Huffman is a creditor who purchased a debt from XXXX. I have filed a police report around the same time that my personal belongings where tooking. Including bank information, id, work id, ssc. I have uploaded police report to disputing agency and still there was no investigation or correction to my credit report.
Complaint sub-issue: Account status incorrect

Equifax is reporting an account that was paid off. The account was removed from XXXX and now a company called XXXX XXXX XXXX continues to place negative information on my report. They keep bouncing from one credit reporting agency to another. I filed a complaint a few months ago and haven't heard anything back. Equifax is reporting this on my credit where banks can see it but then it isn't showing on a credit report for me to dispute the creditor. This is shady and a clear attempt to prevent me from having this information removed from my credit. I want this item and this creditor to stop placing this information on all credit bureaus permanently. The original creditor XXXX XXXX has been paid. This collection agency is trying to make money at my expense.
Complaint sub-issue: Information belongs to someone else

Wrong info : fcra violations not mine : Names show XXXX  button Select as many as apply XXXX XXXX Addresses show XXXX  button Select as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY ( XXXX ) XXXX XXXX XXXX XXXX  XXXX TX, XXXX Correct : please correct this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX has reported all my inquires credit cards and loan accounts under my sister 's name ( XXXX XXXX ) we are twins and have the same birthday and social security number are off by one digit so I need the XXXX XXXX, XXXX, XXXX, XXXX XXXX, and discover under my name XXXX XXXX and there should be nothing under XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

I have file several complains through CFPB and FTC on-line website, no resolution and sent validation letter with no response, no change to the items in my complaints. There is addresses, inquires name is not mine or validated. XXXX  is updating on a Closed & Collection Account that is not mine, it is Fraud account, a company called XXXX XXXX under an account # XXXX operated by a XXXX XXXX, reported {$80.00} & Late Payment XX/XX/XXXX. This is not my account. Address Fraud XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX, FRAUXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting name incorrect XXXX XXXX, FRAUD INVALID Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, Inquires:XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Incorrect name : XXXX XXXX, invalid FRAUD Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, FRAUD Inquires : ALL ARE DATED FOR XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Can't close your account

I had a Simple.com account. BBVA USA bought Simple and transferred everything over, which was a nightmare ( and a different story ). Now, PNC has bought BBVA, so I went from having a Simple account with customer services reps in the US who were friendly and helpful... to BBVA and now PNC reps in XXXX who are rude and refuse to help me close out my account. My account was transferred without any agreement from me on services and fees. I have now been charged an " overdraft fee '' when I haven't even used the account since the transfer. The account is {$23.00} negative after a {$32.00} fee- if you do the math you'll see that my account wasn't actually negative until their fee. They now refuse to close my account and even hang up on me when I ask for a supervisor. This is the worst banking experience of my life.
Complaint sub-issue: Reporting company used your report improperly

Sent disputes XX/XX/2022 to Equifax, XXXX, & XXXX to remove information under Public Records regarding bankruptcy. Equifax & XXXX have stated two time ( XXXX & XX/XX/2022 ) the information has been verified. XXXX stated the information as verified ( XX/XX/2022 ).
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Information belongs to someone else

I HAVE BEEN THE VICTIM OF IDENTITY THEFT
Complaint sub-issue: Account status incorrect

This is a closed acct with a XXXX $ balance you cant collect on a XXXX balance also this account has been sold or transferred ... Iam also a resident of Florida per Florida statue of limitations you can not collect on a debt over 4 yrs old!!!! Please delete off my Equifax and XXXX credit report!!!!
Complaint sub-issue: Problem making or receiving payments

Citibank has recently frozen both of my checking and saving accounts which caused my HOA automatic monthly draw to not go through and my bi-monthly direct deposit to stop working. I contacted the bank numerous times and the customer service always direct me to the know/screw your client department where they kept disconnecting my call after taking for 20+ minutes each time. Their explanation for the account frozen was that the information that was provided in the trust was not completed. My wife had contacted the department that is responsible updating the trust information numerous times prior to the accounts being locked and they had never responded, like going into a black hole because they know that it is a institution that is too big to fail. Frustrated and helpless, I went to a local Citibank local branch, the manager was quite understanding and tried to help and contacting that know/XXXX your client department but the response was that the account was under review. But in the meantime, all my online bank activities were frozen. I have been banking with Citibank for many years ( ~15 years ) and i am quite upset to request a third party to intervene on this matter. Sadly, there is no other avenue to resolve this while I am incurring late fees and my credit scores would probably suffer because of some incompetent folks who simply froze their customer accounts without thinking about some consequences. I hope CFPB can bring this issue to Citibanks attention. Thank you.
Complaint sub-issue: Information belongs to someone else

Errors with name and personal information are being reported.
Complaint sub-issue: Billing problem

Additional {$500.00} payment was credited to future interest instead of reducing principal I tried to contact them to properly apply the payment, but : Their website provides a telephone number that always gives messages to try again later I sent a secure e-mail to the address on their website but received no response I sent a letter to the address on their website but received no response
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX and Equifax for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Complaint sub-issue: Account status incorrect

The following accounts are inaccurate. I have filed a dispute on these accounts and your findings came back that these accounts were verified. Please provide me your method of verification for each of these accounts. 

1. XXXX  2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5.XXXX XXXX 6. XXXX XXXX 7. XXXX / XXXX 8.  XXXX  XXXX XXXX 9. XXXX XXXX.
Complaint sub-issue: Account information incorrect

The company reporting late. But the company sent two checks from the bank. I wasn't about to setup direct immediately, therefore the bank had to send our a check. When the checks returned it cause the account to be late.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I went to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX to see about purchasing a vehicle. The representatives informed me that he was going to do a soft pull of my credit. However, they did a hard pull that resulted into inquiries I do not recognize or authorized. This is having a severe negative impact on my credit. I never gave anyone permission to do a hard pull. Only inquiry I authorized and have knowledge of is XXXX XXXX.
Complaint sub-issue: Problem getting my free annual report

Before I can access my report online, a Verification page lists XXXX multi-choice items, XXXX of which says : " Your credit file indicates you may have ... [ either a mortgage/retail card/bank card ] ... ''. Each question requires my response to verify and/or provide more detail. 

Because I have NOT opened any lines of credit as listed, the accurate response to each item is " NONE OF THE ABOVE. " Consequently, my free online credit report was denied. 

Instead, I must now risk using the USPS to mail my personally identifiable information to Equifax and wait at least 15 DAYS ' processing time before I can confirm my suspicions and subsequently report to law enforcement that the family member whom I strongly suspect has been stealing from me and fraudulently using my identity absconds from the law.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/2021 sent a letter regarding inaccurate and unknown things in my credit report. To this day over about 2 months later, I have yet to receive a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives me a reason to immediately remove these items from my credit report. It's been about 2 months now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress that was caused to me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. I AM NOT USING A CREDIT REPAIR COMPANY, I AM REPORTING THIS VIOLATION ON MY OWN BEHALF. I'VE ATTACHED MY LETTER, AND A UTILITY BILL FOR FURTHER VERIFICATION.