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

A few months after my visit to XXXX XXXX XXXX XXXX I got a bill which I paid, but then 11 month after my visit I got an alert on my credit report. I had a collection from " XXXX XXXX XXXX '', a collection agency and the original creditor was " XXXX XXXX XXXX XXXX XXXX ''. After many calls I discovered that XXXX is the billing agency for the doctors at XXXX XXXX XXXX XXXX, and that they never filed a claim with my insurance. I never even received a bill from them ; they sent it straight to collection, and to my credit report. XXXX is rather a shady company or an incompetent one and I'm not sure that their methods are even legal. I contacted XXXX XXXX XXXX with my Insurance on the line. They refused to submit a claim to my insurance. I filled out my insurance information when I was in the hospital. It's not my fault that XXXX didn't file a claim with my insurance. and then they're allowed to sell my bill to a collection agency that refuses to submit a claim. How is this legal!?
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

Discover disabled the messaging system on Discover 's website, as well as the call center system. Whenever I attempted using phone relay for XXXX people to call XXXX, the phone system simply hangs up each time we try a call. 

Discover also disabled the chat messaging option to prevent me and numerous other people from receiving hardship relief due to COVID 19. 

Due to the COVID 19, I was laid off from my job. 

I am awaiting unemployment insurance processing. 

Can you please reduce my monthly payment or offer me a program or disaster relief? 

Thank you.
Complaint sub-issue: Account status incorrect

As stated in the Prior complaint I am Requesting all Legal documents that hold me Liable for said Alleged debt I don't assume any Debt Nor do I owe a debt have them show me the law that shows a Federally protected consumer owes a debt. I'm invoking my consumer rights and demanding XXXX XXXX XXXX a debt collector Cease reporting to all Consumer reporting agencies Immediately they violate federal Code 15 USC 1692c ( b ) ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

I'm also requesting to opt out of my non-public information being reported under title 26, title V of the Gramm-Leach-Bliley Act opt me out! 
15 U.S. Code 6802 - Obligations concerning disclosures of personal information ( b ) Opt-out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) the such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to a such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to a such third party ; and ( C ) the consumer is explained how the consumer can exercise that nondisclosure option. I wasn't given any option
Complaint sub-issue: Their investigation did not fix an error on your report

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX , TX XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX, TX XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX , TX XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX PLEASE UPDATE MY NAMES REPORTED ON MY CREDIT FILE, THESE NAMES DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX , TX XXXX
Complaint sub-issue: Was not notified of investigation status or results

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX is reporting information on my consumer report without my information. I am the consumer, and I control what is placed on the report according to 15usc1681b no permissible purpose. Transaction history is not to be reported according to the consumer laws. The laws are here to protect me and if it is not removed I will send a invoice for each late payment violation on the report. The privacy law is broken according to The Privacy Act of 1974 ( 5 USC 552a ) protects personal info held by FEDERAL GOVERNMENT by preventing unauthorized disclosures of such information. Individuals have the right to review such info, request corrections, and be informed of any disclosures.
Complaint sub-issue: Account information incorrect

I was a victim of Equifax data breach. In XXXX of XXXX, Equifax announced a data breach that exposed the personal information of XXXX XXXX people. 
My credit cards now show as being late and having a very high balance. 
I have never missed any payments and have a XXXX balance on my credit cards every month. I have never carried a balance.
Complaint sub-issue: Information belongs to someone else

I, XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 
I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters and called the company numerous times while attempting to obtain all information needed to remove this inquiry. This inquiry is affecting my chances highly of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The bureaus reporting are XXXX, Equifax, and XXXX. Thank you!
Complaint sub-issue: Reporting company used your report improperly

In 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 has violated my rights. 

15 U.S.C1681 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: Personal information incorrect

I have some issues with my current information not being updated properly. First up my name is XXXX XXXX XXXX, please remove ANY and ALL variations of my name they are not correct. My Job is XXXX please remove any other employer they are not accurate. My only address is XXXX XXXX XXXX XXXX XXXX OH XXXX I have attached my ID and SS card As proof of my only address. please remove all other addresses they are not mine!! I have 3 unverified accounts that have not provided the necessary request documentation to prove ownership or DOLA, anything I dont even know where these account came from please delete the following accounts : XXXX XXXX BAL. {$590.00}, XXXXBAL. {$320.00}, XXXX XXXX BAL. {$250.00}, the unverified items listed above still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. I understand the FCRA 611 and 623 to state there is a protocol and compliance standard to address these issues.
Complaint sub-issue: Didn't receive terms that were advertised

On XXXX, I submitted an online application to US bank for Easy Checking account with a promotion of {$400.00}. 

On XXXX, I called to inquire about the account status, and the agent indicated that the application was under review. I called again on XXXX to cancel the application since the promotion expired on XXXX. The agent mentioned that I am still eligible for the XXXX promotion since the delay was on US bank, I am still eligible for the promotion. He placed me on hold and talked with a supervisor. He returned with the same information that the supervisor stated I am still eligible for the promotion. He opened the account with the XXXX promotion and indicated that I would get the promotion as advertised. He apologized for the delay in opening the account. 

Unfortunately, US bank has refused to honor the promotion even though I've met all the eligibility requirements. 

Requested resolution : Please honor your commitment of a {$400.00} new account opening bonus.
Complaint sub-issue: Other problem getting your report or credit score

I am in the process of Refinancing the Home Loan and the XXXX XXXX said I could call Equifax to get a free Credit Report. 
I called Equifax but the Agent completely disregards my request for the Free Credit Report, she instead wanting to process the Annual Free Credit Report that I am already entitled for every 12 months. And, she further to tell me I have to call my XXXX XXXX to get my report. When I asked to speak to the Supervisor, I didn't get to talk to her right away but have to wait for 25 minutes to talk to the Supervisor, XXXX. 

And the Supervisor, is asking whole bunch of Security Question but you could not tell me how many question you going to ask, everything is system generated, things like my Home Mortgage Loan, Auto Loan, Credit Card, etc ... .. 

Equifax is not making it easy for me to get my Credit Report, Can someone help. 
Thanks. 
XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

I have my student loans through " XXXX XXXX XXXX '' and two times now they have moved me into forbearance / deferment status without my approval. The first time I was in deferment for at least 6 months before I noticed. For years I was paying my bill electronically out of an account I do not pay much attention to. One day I happened to notice that my student loans stopped coming out. When I inquired about it they would not respond with a reasoning. They can not tell me why i was in deferment. However, in that time i did accrue interest and my balance only increased. 

This morning I received an email ( something I did not last year when it first happened ), and this email said I was approved again for forbearance / deferment. Again, i never asked for it and they just put me in there with no explanation. 

I am trying to pay down my student loans, but when this company puts me in deferment with no explanation, no reasoning, no advanced notice - I can not get out of debt. This is a scam, they are wanting me to defer so i increase the interest I owe and i extend my payoff period. I need them to stop putting me in deferment. But more importantly, this must be investigated to find out how many other people they are doing this too. Surely they are not just picking on me - but rather this is a practice they employ.
Complaint sub-issue: Was not notified of investigation status or results

This is my 2nd time contacting you all regarding my disputes to XXXX, Equifax and XXXX. I can understand that it may be a slight delay but to not just respond to disputes at all is totally unacceptable ... Can someone please review my disputes. 


XXXX XXXX XXXX-XXXX- Unverified Account XXXX XXXX XXXX-XXXX- Unverified Account XXXX XXXX-xxxxx-Unverified Account XXXX XXXX XXXX XXXX-XXXX- Unverified Account XXXX/XXXX  -- -xxxxxx-Unverified Account XXXX XXXX XXXX-xxxxx-Unverified Account XXXX XXXX-XXXX- Unverified Account XXXX XXXX XXXX-xxxxx-Unverified account XXXX XXXX Date of Birth XX/XX/XXXX SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Complaint sub-issue: Confusing or misleading advertising or marketing

Applied for a auto loan refinance with XXXX XXXX XXXX after terms stated the rate was 2.99 % and term of 72 months. Received a call today today my credit was excellent but income is insufficient so they have to triple my rate from the advertised rate and lower the term to 60 months and charge for fees and gap insurance. My income is by no means insufficient if that is so how can they justify increasing the rate and shortening the loan term that will make my payment XXXX more then I'm paying now. Doesn't make sense to me if " my income isn't sufficient '' Fraudulent practices and now I have a hard pull on my credit due to their fake fraud terms stated.
Complaint sub-issue: Debt was result of identity theft

I received an email notification from XXXX that on XXXX, a Collections of {$91.00} from XXXX XXXX XXXX , XXXX ( XXXX Account XXXX ) was posted to all three credit reporting agencies. The debt was originally from XXXX XXXX XXXX. I've never lived at XXXX XXXX apartments and I'm a victim of identity theft. I've faxed ( XXXX ) and mailed ( XXXX. XXXX XXXX, XXXX, GA, XXXX ) copies of the police report, driver 's license, social security card, XXXX, utility bill, and rental agreement, to Equifax 's fraud department. XXXX disputes have been filed ( XXXX, XXXX, XXXX, XXXX ), and I've spoken to representatives XXXX on XXXX and XXXX on XXXX, and the Collections is still on my credit report. I've even filed with the XXXX, and it didn't resolve the issue.
Complaint sub-issue: Public record information inaccurate

Hello, its been 6 to 8 months of me fighting to get this fraudulent Bankruptcy off my credit report. The information I received from Equifax saying it was verified, But I want to know who verified it? By law you have up to 30 days to remove this of my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing to dispute the following accounts and inquires. I did not owe this debt and it does not belong to me. I never established these. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please also remove these inquires and send me an updated copy of my report after the investigation.
Complaint sub-issue: Account status incorrect

I recently filed a dispute regarding the inaccuracy of this account and they responded but not directly to my dispute. i filed a Chapter XXXX bankruptcy in 2018 a Relief of Stay and a motion of Relief was ordered by the Bankruptcy Court and XXXX  XXXX was ordered to pick up the vehicle and instructed to sell the vehicle or whatever they do with it and I be held responsible for the left over balance and that did not happen. XXXX XXXX is holding me responsible for the full balance of this vehicle when they allowed a 3rd party to repossess the vehicle then XXXX XXXX did not pick the vehicle up from the yard even after someone called them and told them the car was there. XXXX has phone records showing where they advised the Yard owner to keep the vehicle and he did, now they are charging me. The vehicle was not in my possession nor my responsibility after the courts ruling. 

SEE ATTACHED RELIEF OF STAY AND MOTION TO RELIEF
Complaint sub-issue: Account status incorrect

Midland Morgtgage is reporting mortgage delinquency payments during forbearance program approved by previous mortgage company. ( XXXX XXXXXXXX XXXX ). I never paid late to Midland Morgate, and Midland Mortgage failed to verified proper forbearance approved documentations prior adquiring the new loan. ( 2 forbearance signed document packages were submited to XXXX XXXXXXXX XXXX  during forbearance program on XX/XX/2020 ). Because of this wrongly report to my credit, I was denied with a mortgage loan to buy a property. Before this issue, my credit score was XXXX, after wrong report was made, my credit score went down to XXXX and jeopardized all my financial stability.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft
Complaint sub-issue: Problem accessing account

On XX/XX/22 I received a notice on my phone that an unauthorized person was trying to access my banking account and that it was temporarily locked. Upon reaching out to my bank to sort the matter, my bank called Ally Bank had frozen my account due to what they alleged was a fraudulent XXXX deposit of {$200.00}, from nearly 4 months ago. I don't about you, but I make online purchases and returns everyday. I do not have time to look through all my transactions with a fine comb to determine fraud. Now they have frozen my account because they alleged someone illegally sent me {$200.00} to my account through publicly used app called XXXX which I was not aware of. First off, I have no control on who sends me money especially through a public service such as XXXX. 2nd they claim they will have to freeze my account for up to 30 days. I did not do any wrong or illegal so how it is I am being penalize for something I did not do? Please make it make sense to me.
Complaint sub-issue: Not given enough info to verify debt

There is a agency collecting for an XXXX account which is unknown. I have requested validation and contract I signed and proof this is an account that belongs to me. This is unknown and the date is unknown. I want to see an actual contract with my signature on it. This simple statement does n't validate anything. Please help.
Complaint sub-issue: Account information incorrect

Equifax is reporting these accounts inaccurately. I spoke to Equifax today, XX/XX/2022 and to state that ALL XXXX XXXX. XXXX  XXXX accounts aAll US DEPT Education accounts listed below accounts are to be removed, as XXXX am not liable for these accounts. 

Account Number XXXX XXXX Reported Balance {$45000.00} XXXX XXXX XXXX. XXXX  XXXX Summary Account Number XXXX XXXX Reported Balance {$33000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX Reported Balance {$13000.00}
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I AM XXXX XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I started disputing with the bureaus on XX/XX/2021 ; there have been multiple accounts reporting inaccurately that I have been trying to get removed and repaired. Since the bureaus didn't send me anything within the 30-45 days, I sent another dispute on XX/XX/2021 and still haven't received anything. So now I am filing this complaint but the lack of responses from the bureaus is getting very frustrating and delaying the process for me on other items!
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that CREDIT BUREAUS decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Under section 605b of the FCRA this following items listed below needs to be removed : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX Inquiry Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022 XXXX Inquiry Date XX/XX/2022 XXXX XXXX Inquiry Date XX/XX/2022 XXXX XXXX  XXXX Inquiry Date XX/XX/2022