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

I.C Systems sent me a letter trying to collect a debt from XXXX, stating that I did not return a piece of equipment. When I closed my XXXX  account I brought both pieces of equipment as directed by XXXX  to XXXX on XXXX XXXX XXXX, in XXXX XXXX XXXX FL on XX/XX/XXXX, I received a receipt, however over a year later I am unable to locate that receipt. 
When I received the letter from IC Systems I called them on XX/XX/2022 and spoke to XXXX XXXX # XXXX, and she told me to dispute the collection I had to send in a written request. I sent the written request that day on XX/XX/2022. 
I then called in on XX/XX/2022 and spoke to XXXX XXXX XXXX # XXXX and he told me the account has already been disputed and the letter was not received yet. 
I then called in today XX/XX/2022 and asked if the letter had been received. XXXX XXXX XXXX # XXXX informed the letter was received today XX/XX/2022, 34 days after I sent it. I asked XXXX XXXX when the file was disputed and she told me it was disputed on XX/XX/2022. She told they had 60 days. I informed her the creditor has 30 days from the time of the dispute to validate the collection or it could not be placed on my credit report. 
XXXX then transferred me to a supervisor, XXXX XXXX # XXXX and he told me that we just received the letter today and that they had an additional 30 days. I argued that, XXXX screwed up by filing the dispute on my original call on XX/XX/2022 and started the 30 collection verification clock. 30 days has already passed and the collection has not been validated and they can not put this collection on my credit report. He seemed unaware of the timelines required to validate a collection and said they had more time. 
He then told me that this was all of the information that they could give me and ended the call.
Complaint sub-issue: Report improperly shared by CRC

XXXX XXXX XXXX I never allowed them to run my credit report. I went in for service and never to buy a new car. They never asked me to run my credit report. please remove this inquire ASAP
Complaint sub-issue: Account information incorrect

THESE COLLECTION ACCOUNTS ARE IN VIOLATION AND NEED TO BE REMOVED IMMEDIATELY. COLLECTION ACCOUNTS IS CLOSED-END AND CAN NOT HAVE LATE PAYMENTS ..MEANING THAT THERE SHOULDN'T BE REPORTING OPEN, NO LIMIT, NO PAST DUE AND NO PAYMENT STATUS. 
NOT ONLY THAT THESE ACCOUNTS ARE IN VIOLATION WITH HIPAA LAW WHEN IT SAYS MEDICAL INFORMATION FURNISHER CAN NOT BE INCLUSEDIN A CONSUMER REPORT AND THE NATURE OF SERVICES CAN NOT BE INFERRED BY A PERSON OTHER THAN THE CONSUMER MEDICAL INFORMATION. SEE ATTACHED : XXXX ACCOUNT. 
PLEASE PAY CLOSE ATTENTION TO THE ATTACHED THESE ACCOUNTS NOT REPORTING SOLD/OR TRANSFERRED THESE ARE VIOLATIONS. INSUFFICIENT ACCOUNT # 'S. BALANCE SHOULD SHOW {$0.00} REMOVE IMMEDIATELY!!!
Complaint sub-issue: Transaction was not authorized

Hello, The East West Bank closed my account suddendly and transfered money from my account without my consent on XXXX XXXX XXXX. They transfered total {$4400.00}. A total of night transactions. I have no idea why they can taken my money to transfered to other company and it is already my personal property. The money from faire.com, we sell the product there, we shipped the product and we get the payment. It is unacceptable to transfer my money away privately by The East West Bank. They need to compensate me for this loss. we tried to communicated more times with bank they don't have any answered about this transaction. the customer service said they don't know as well. it is ridiculous. My request is for the bank to refund the money for these XXXX transactions in my account, a total of {$4400.00}. thank you
Complaint sub-issue: Billing problem

I have had a recurring iss ue with BB & T re versing my online payments the same day that I made them in both  XXXX  and  XXXX . I received notification that my payment was being processed, but no further communication to notify that that payment was reversed on either occasion. I had to re-complete the payments both times, which also resulted in less of my payment being applied to my principal balance. I calle d BB & T  when I realized the second occurrence on  XX/XX/17    and was not given an explanation. The representative tried to tell me first that the  XXXX  issue was due to an upgrade to their system, and then that I had paid  XXXX  on the phone with an account that did not exist. I have made my payments online from the same checking account every month, so the explanation that I had used a different account was absolutely false. The rep did not even try to provide an explanation for the  XXXX  payment being reversed, nor did she provide an explanation for why I was not notified that the payments were reversed. It appears more that the bank is doing this on purpose to squeeze more money in interest out of me.
Complaint sub-issue: No notice of investigation status/result

I disputed the Chapter XXXX Bankruptcy that is on my credit report with Equifax and they did an investigation and after 1 days time I received a response from Equifax stating the investigation was complete and the report was accurate. I called the Federal Bankruptcy Court in XXXX and I was advised that once they report it to the XXXX credit reporting agencies they do not report it again or ever update it. I was told by Equifax that the info was obtained from XXXX. I called them and they removed all information from their database. I again filed another dispute and received the exact information from Equifax that the information was verified through XXXX but I never told Equifax that XXXX had removed all the info on the bankruptcy a moth prior to me filing the second dispute. I asked them to remove it from my file since it could not be verified through their contact XXXX and they refused to remove it so they are reporting this under false pretenses.
Complaint sub-issue: Old information reappears or never goes away

I disputed XXXX XXXX ( Account # XXXX, XXXX ( Account # XXXX ), XXXX XXXX  ( Account # XXXX ), and XXXX XXXX  ( Account # XXXX ) in XXXX of XXXX. When I pulled my new credit report today on XX/XX/XXXX, I see that tis deleted item was now put back on my credit report. You did not notify me within 5 business days that it was put back on my credit report and because of this section 611 violation, the accounts needs to be removed.

I would like to see a new report showing this been deleted. 

XXXX XXXX
Complaint sub-issue: Other problem

First, please see complain # XXXX -- XXXX, to which company replied with an unsatisfactory letter, dated XXXX XXXX, and refused to provide requested interest rate information and on how a refund on one account ( XXXX ) was calculated and what the calculation was on another account ( XXXX ), for which no refund was offered. 

Without the requested info, customers and maybe even the CFPB, are not able to determine if company responded properly.
Complaint sub-issue: Information belongs to someone else

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 
XXXX XXXX XXXX  use, XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

i provided my info to someone via XXXX who said they do in house mortgages back in 2014 and they have opened accounts in my name the XXXX page is no longer available nor a contact namber
Complaint sub-issue: Right to dispute notice not received

On or about XXXX/XXXX/2015 at, XXXX,XXXX,XXXX,XXXX and XXXX I received phone calls from the number XXXX. No vocie messages were left on my phone for a call back. On XXXX/XXXX/2015 I received XXXX phone calls XXXX at XXXX, and XXXX. The phone calls again were from XXXX. On XXXX/XXXX/2015 I decided to call the number back in which the phone operator identified themselves as Allianceone Inc. The phone operator had told me that it was regarding a XXXX Credit Card. I then responded to the operator about receiving debt verification before I was going to disclose any personal information. On XXXX XXXX 2015 I sent allianceone Inc an email requested debt verification, followed with another email dated XXXX XXXX 2015 with no response. On XXXX/XXXX/2015 I sent a demand for debt verification to listed fax number at XXXX. As of XXXX XXXX 2015 I have not received any type of debt verification or communication from this debt company regarding this alleged debt.
Complaint sub-issue: Was not notified of investigation status or results

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NUMBER : XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Complaint sub-issue: Trouble with how payments are handled

My repayment amount was increased without my awareness by 32 %. This was not within my means. I contacted creditor and they said they " would fix it by next month '', and they did nothing. The next month I withheld payment. They reported XXXX delinquencies ( XXXX for every loan, but it is XXXX debt, XXXX creditor ). It crashed my credit rating by XXXX points. I am trying to buy a house with a State administered down payment assistance program, and this will disqualify me ( will lose {$18000.00} ). 

They say I am in graduated repayment program, that they got my consent for years ago. If this is the case they need to give borrowers notice ( with acknowledgement ) so they can prepare. Their website is quite capable of this, and they are also capable of this with borrowers that pay by mail. When contacted for assistance they force you to consent to terms ( I 'm not sure of the it is a lot of rapid verbal fine print from a script ) before preceding, effectively forcing borrowers to surrender rights. It is the actions of a predatory lender. 

Student borrowers are often signing their first contracts in their lives. Many are not legally entitled to give consent and require a cosigner. It is sad to think their own government and those affiliated ( Universities, chancellors, textbook publishers, etc. ) are all seeking to exploit them. Borrower 's are already paying nearly 7 % more than prime rate, and these funds are coming directly from the government. There is no other entities the government lends to at such high rates.These children are being hoodwinked into paying off debts of previous generations with what should be their retirement funds, while cronies get rich. 

The government should not be engaged in predatory lending, and calling it " financial aid ''. Borrowers that are acting in good faith and repaying what they can, should not financially destroyed. 

I want the multiple delinquency reports ( my only derogatory notices ) removed from my credit report. I want FedLoan servicing to give 90 days notice, with borrower acknowledgement, before increasing a borrower 's agreed upon payments.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I contact XXXX XXXX XX/XX/2019 and let them know I did not authorize this inquiry onto my credit.
Complaint sub-issue: Information belongs to someone else

There is incorrect information reporting on my credit report
Complaint sub-issue: Personal information incorrect

I have informed them on several occasions ( at least 5 times ) and the other major bureaus ( Equifax, ) that the only Name, Address, and Telephone # and Employer that should appear on my credit report is the following : address :
Complaint sub-issue: Information is not mine

I have been in contact with Equifax regarding excessive inquiries on my credit report and I have added fraud alert to my credit file regarding the issue with the excessive inquiries on my credit file. still to this date nothing has been done about it and I am showing new inquiries on my credit file that I did not authorized. I do n't see how this is happening if I have fraud alert on my credit file. there is about XXXX Hard inquiries on my credit report with Equifax that should n't be there.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX. XXXX XXXXL ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : 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 XXXXXXXX have 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 an account without my written instructions.
Complaint sub-issue: Debt is not mine

My daughter received medical care at XXXX XXXX back in XX/XX/2012. On the date of service in question, my daughter was covered by Medi-cal ( XXXX California ). The hospital is stating I failed to provider her medical insurance information and this is not true. I contacted Grant and Weber several times to explain what happened, they are not willing to adjust the balance or to bill Medi-cal as they are saying bill is out of timely filing and balance will not be paid by Medi-cal. This is not fair, and also under title 22 in the State of California, If my daughter had medi-cal and I was able to prove it, they are suppose to write off the balance. Grant and Weber are refusing stating this is not true. They want the money from me and that 's all they care about. I have proof my daughter was covered by insurance. I also tried to get help from XXXX and they were on the side of the debt collector, so if you can help, I will be grateful.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX DATE ASSIGNED : XXXX, 2020 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Complaint sub-issue: Debt is not yours

I do not have any information of the source of this claim
Complaint sub-issue: Problem with personal statement of dispute

I disputed all inquires on my account that i did not authorize EXCEPT FROM XXXX and they were not removed. Because I didnt authorize these inquires i have a fraud Alert placed!! And now im asking for assistace for them to be removed even after I told them i did not GIVE ANYONE PERMISSION TO CHECK MY CREDIT BUT XXXX!
Complaint sub-issue: No notice of investigation status/result

I am filling this complaint because I have been ignored by the credit bureaus. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months. 

The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. 
Under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. ''
Complaint sub-issue: Other problem getting your report or credit score

Im concerned about my credit report with equivalent.Ive tried multiple times to pull my score and was finally informed I have nothing that really scared me I have several trace lines and an exceptional payment history which I would love to show on my profile. Im therefore requesting that equifax there records so that their systems will show a credit score to potential lenders thanks Ive attached photos that show accounts that should show % I also am a authorized account XXXX for XXXX XXXX account # XXXX XXXX  said to notify equifax as well
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

Cash Call constantly harasses me and my husband. They leave messages threatening to come to our place of employment and speak with a supervisor. The use terminology which includes the word federal summons frequently. They have never sent anything on paper through the mail but they call every day from different numbers and unknown numbers. One of their representatives told me the sheriff would be at my husbands job the next day to arrest him. 
We took a loan online through XXXX XXXX about 10 years ago. We paid and paid but the balance just kept getting bigger so we gave up. There was no way to ever pay it off. I contacted the Attorney Generals office years ago and when I told them about the situation I was told the loan violated lending practices. I informed Cash Call of that and they stopped calling me for years but they are back again.
Complaint sub-issue: Account status incorrect

I AM NOT RESPONSIBLE FOR THIS LOAN, I HAVE DISPUTED WITH ALL THREE CREDIT COMPANIES, SO FAR XXXX  HAS DELETED THIS ACCOUNT. I CAN NOT GET IN CONTACT WITH A REP FROM THE COMPANY ANYMORE. THEY ARE REPORTING THE WRONG INFORMATION ON MY REPORT
Complaint sub-issue: Account information incorrect

-I had a credit builder loan with MoneyLion -I paid the balance of the loan off as well as some fees they said I owed on XXXX XXXX -On XXXX XXXX MoneyLion updated my credit report as me having a balance. 
-On My other 2 credit reports the account information has not been updated in quite some time. 
-After I paid this loan off. I am unable to close account or delete my banking information.
Complaint sub-issue: Trouble with how payments are handled

I 'm trying to pay my bill that 's due XXXX XXXX, and I 'm trying to apply extra money to go to principal. I want to pay {$740.00} dollars ( XXXX goes to my monthly bill and the rest would go towards principal ). On their website, it only allows me to make the minimal payment and it says, " Please match the requested format ''. It 'll only allow me to submit payment and take me to the next page, if I type in my minimal payment of XXXX. There 's no option of paying more than the minimum balance and when I do try to type in more money in the box it wo n't allow me to go to the next page. I feel this is unfair, because of the bugs or kinks on their website, I have to suffer and accrue interest on the extra money I was going to pay. This is another way of keeping people in debt, and not allowing them to pay off their balance. I will attach screen shots.
Complaint sub-issue: Problem accessing account

Quit playing big brother and LET ME SPEND MY MONEY HOW I DECIDE AND STOP TELLING ME WHERE I CAN LINK MY ACCOUNT
Complaint sub-issue: Account information incorrect

I made my mortgage payment on time for XX/XX/2019 but Ive been reported to the credit bureau because the company failed to include an {$8.00} increase due to my interest rate fluctuations. However I continue to have this issue often whenever my rate changes. Whenever I make a payment I never state the amount but when asked I always state to make the regular payment which clearly means what ever is due. The last time I had this issue I was told that the system sometimes doesnt have the same account information before if the payment was made on the weekend and my argument was thats a company problem.XXXX XXXX doesnt allow you to speak to anyone unless you fax which makes it very difficult to resolve a problem immediately. XXXX  XXXX XXXX never treated me like this but this new trade is causing me many unnecessary stress. I pride myself in maintaining a good payment history and credit report. Please help!
Complaint sub-issue: Don't agree with the fees charged

I have never applied for a private student loan. I do owe this company, I did n't agree to any part in a Private Loan, The Schools Financial Personnel Conducted Fraudulent Practices In This Claim.