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

In XX/XX/XXXX, I received a XXXX Grant of {$4000.00}. The terms of the grant were as follows : 1 ) XXXX in a XXXX XXXX ( XXXX ) 2 ) XXXX in a high-needs XXXX ( XXXX  XXXX ) 3 ) Do so for four of the subsequent 8 years. 

I have XXXX XXXX in XXXX XXXX XXXX for the subsequent 9 years. The XXXX XXXX   website is a horrible thing, but I continuously sent in notes saying that I was working in a XXXX XXXX XXXX XXXX XXXX. I had other, larger, loans to forgive and I knew ( or thought I knew ) the terms of the agreement so I wasn't worried. 

At several points I noticed that there was no XXXX Grant link on my loan page ( when I could get to it -- the website is a horror, remember? ) and contacted them. At one point in XXXX, I talked to someone on the phone and arranged to submit three years of certification at once. Had I known of these issues, I would have submitted a fourth year -- I had plenty, it's just that I had three forms readily available. I thought I would just submit the fourth year in the XX/XX/XXXX, which is when I usually did paperwork. I did get warnings through this time, but I'd been getting warnings throughout the process. They reconverted my grant several times without ever indicating I was failing to do some essential thing. The essential thing, which was probably mentioned somewhere in the paperwork but was NOT mentioned in the phone call, was that I had to recertify every year. I never recertified, to my knowledge. All I ever did was call them up and ask to have it converted back to a grant because they'd screwed up and I was still teaching math in a Title I school. 

Then in XX/XX/XXXX when I went to submit the last year, I was told that I couldn't submit, that it was permanently converted to a loan, that there was no recourse. I argued with them for months, and at no point did they mention that I could have appealed to an ombudsman. They said that loans are never converted back to grants but they are, and I have the email showing they converted mine, and that they accepted three years after the fact. But they won't accept ONE MORE YEAR of proof. Instead, they have converted the grant to a loan and charged me nine years interest.

The " annual recertification '' is a joke. First, it's not routinely mentioned in the publication of the XXXX grant ( although I'm sure I saw it in the loan papers ). Second, I have told them every year I intend to teach. Third, they are denying me this entire grant and charging me interest because they refuse to accept proof that I've met the terms of the grant. In other words, they are hitting me with a XXXX penalty and 9 years of 6 % interest because I missed a deadline for one quarter of the evidence needed, even thoguh I have the evidence and tried to submit it long before they converted it formally into a loan.

This is a huge problem for many people, but I don't know that many who have been hit with 9 years interest who have likewise worked in the service area required for nine years.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, I discovered that a collection account was posted by XXXX XXXX XXXX ( XXXX ) to my Equifax consumer credit report. The report indicated that the amount owed was {$140.00}, and that the original creditor is XXXX. To date, I have yet to receive a letter from XXXX regarding this collection account. However, based on the information provided by XXXX to the three credit bureaus, this debt is not mine. Together, the credit reports indicated that the last payment made to the XXXX account was XX/XX/XXXX ; that the date of first delinquency was XX/XX/XXXX ; that there was an account review inquiry to Equifax by XXXX on XX/XX/XXXX ; and that the collection account was opened on XX/XX/XXXX ( see attached supporting documentation ). While I previously had an account with XXXX, that account was closed in XXXX of XXXX. That account was also in good standing at the time of closure. All fees had been paid as the account was set on credit card autopay, including a close-out payment of {$18.00} on XX/XX/XXXX, and all equipment returned ( see attached supporting documentation ). Since closing my XXXX account in XXXX, I have not opened another account with XXXX, and am not the person who made the XX/XX/XXXX payment to the XXXX account in collection. 

I submitted a dispute regarding the collection account referenced above to Equifax via certified mail on XX/XX/XXXX ( see attached supporting documentation ). 

As a XXXX XXXX  the COVID-19 response, this matter is distracting my attention and time from serving Oregonians. I would, therefore, greatly appreciate the CFPBs assistance in resolving this matter expeditiously.
Complaint sub-issue: Information belongs to someone else

For over two years, I have been a victim of identity theft. The identity thieves have opened numerous charge accounts in stores, applied for several credit cards, using my personal information as their own. I have know idea how they obtained my information. 
On XX/XX/XXXX, someone opened a bank account at Bank of the West with overdraft protection. Shortly afterwards they overdrew the account for {$5300.00}. Bank of the West turned the matter over to a collection agency who contacted me in XXXX, XXXX. Because I disputed the debt, they suspended collection efforts and asked Bank of West to look into the matter. This debt of {$5300.00} is still on my credit reports and has hampered by ability to take advantage of lower interest rates to finance my house. They have slandered my credit and do don't respond. I have complied with all their requests including filling out numerous forms, sending them a copy of my drivers license and obtaining a police report. I have copies of all correspondence.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

PLEASE DELETE AND REMOVE FROM CREDIT REPORT AFNI- Sprint PLEASE NOTE- CREDITOR MAKES NUMEROUS HARASSING PHONE CALLS AFTER BEING TOLD TO CEASE AND DESIST!!!
Complaint sub-issue: Inadequate help over the phone

I am a victim of identity theft there are alot of Account and inquires on my creditfile that are not mines or either have my name but different social security attached to it that still are not mine. I have submitted documentation and called and still no help. I have plenty of inquiry month after month with some of these compnt i have no idea about. Im just trying to get them removed. I have sent the same documents to all XXXX reporting agencies.
Complaint sub-issue: Can't use card to make purchases

I have had a Discover credit card for years. I saved this card for emergencies. Imagine my surprise when I tried to use it and couldn't. I contacted the company and was told it was cancelled for inactivity! No balance was owed, nor late payments made. Just because I had not used it they closed my account and I have to repeat the application process to get a new card. Ridiculous!!!!!
Complaint sub-issue: Trouble with how payments are being handled

FedLoan Servicing is the worst company I have ever dealt with. They have terrible customer service, do not follow the law when it comes to the terms of forgiveness programs, and put my account into delinquent status for 2-3 weeks every month because they do n't process payments in a timely manner.
My current issue relates to making loan payments with my XXXX XXXX XXXX XXXX. They ca n't seem to process these correctly. I have to call several times each month to check on the status. I am currently on the phone with the 4th person I 've spoke to this month about my payment made on XXXX/XXXX/2017, which they have apparently " lost ''. This is the first person that stated the payment is not showing in their system. The other 3 stated that it would be processed soon. The payment they have no record of. Did those 3 even look at my account?
Additionally, they have cheated me out of almost 3 years of qualified payments under the Public Service Loan Forgiveness Act. They refuse to follow the policy in the PSLF documentation in terms of awarding up to 12 months for lump sum payments made with the XXXX XXXX XXXX. I have been calling them about this issue for months and they refuse to do anything about it.
Complaint sub-issue: Reporting company used your report improperly

I, XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; Citibank NA. is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. Citibank NA. is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : Citibank NA., Best Buy - XX/XX/19. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately.
Complaint sub-issue: Debt is not yours

On XX/XX/XXXX, XXXX, XX/XX/XXXX, & XX/XX/XXXX of XXXX I have sent out four rounds of dispute letters to the 3 credits bureaus in efforts to dispute inaccuracies on my credit profile in addition to the creditors. The debt keeps coming back as verified with absolutely no proof sent to me. The credit card company are sending statements in efforts to convince me that the debt is mine. I have asked for fraud affidavit, etc. I completed the fraud affidavit as requested and still the issue has not being resolved. The company continues to ignore my request for proof to validate the the debt belongs to me ( contract, promise to pay, etc. ) I've requested several investigation however, the issue still persist. Also, the company is taking longer than 30 days to reply to my request. The debt is causing harm to my credit profile and score. I can not get certain jobs or apply for certain lines of credit due to this issue. In addition to this, I have stated numerous times to the company that this is not my debt, I have never owned a credit card with this firm. This account was opened without my permission and I have no information on who, what, when, and where this account was opened. The company refuse to help! I need help.
Complaint sub-issue: Debt is not yours

on XX/XX/2018 I sent a dispute letter to IC System asking for validation. I received back letter saying " XXXX has provided the attached information verifying your responsibility ''. On XX/XX/2018 I send a second letter because yet again IC System have failed to provide me with copy of any viable evidence. I have no record of the above account and i am demanding that they disclose all of the documents upon which they are relying on, for the reporting on account. In accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C 1681g the consumer is entitled to said records the requested. 
The information they are reporting is harming my reputation, its adversely affecting my credit worthiness and i am being denied credit as a result of this inaccurate reporting. They are in violation of the FCRA. On XX/XX/2018 i send a third letter, stating I have retained new copies of my credit reports and noticed that they did not furnish the credit bureaus with the required disclose within the period required by law. 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or  threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
Complaint sub-issue: Their investigation did not fix an error on your report

I Started off by sending my notice of my request for a listed number of documents for XXXX to mail to me on XX/XX/2019 I also sent out disputes to all 3 credit Bureaus This listed consisted of a number of documents I have a right to as a consumer. This list includes - 1. The complete original alleged promissory note that shows my signature 2. The account transaction history 3. Any required default or acceleration notices 4. The notice of sale document 5. The Calculation of Surplus or Deficiency letter 6. Any additional finance contracts including those related to insurance or finance products 7. The buyers guide 8. The purchase order 9. Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note. 

On the XXXX of XXXX XXXX mailed me The Calculation of Surplus or Deficiency Letter, The Notice of sale document. They did not send me any additional documents related to insurance or Finance products, The Buyers Guide ( XXXX XXXX ), The purchase order, Any License or bond or registration document required by the state that allows them to hold or service this alleged promissory note.The Creditor lied on the contract and stated that I placed a down payment of {$1500.00} ( I Attached proof of this fraudulent claim ) The Account Transaction that I received from XXXX Omits 5 Months worth of transaction history with no explanation of why. It shows a Balance and Past due Balance on all bureaus which is a violation but it also shows a balance that is more than {$12000.00} higher on XXXX  and a past due balance that is inconsistent with the other 2 bureaus, The dates of last activity are just as inconsistent, and so are the dates of last payments made, 2 of 3 credit bureaus report the wrong credit limit, A monthly payment also reports which is also a violation. In my initial contact with XXXX I told them this account was a Retail installment sale contract not an auto loan, they report to the bureaus that the account is indeed an auto loan but yet send me a contract stating that it is true indeed a Retail installment contract but yet it hasn't change on the bureaus or even report that the account is being disputed. This is affecting the way my credit is scored and is no way to report the truthful accurate complete data. Below I have Attached more than enough documents to convince you of this blunder on my credit report.
Complaint sub-issue: Account status incorrect

There are 3 late payments on my credit report from " delinquency ''. I was on an unemployment deferment until middle of XXXX 2016. At that point I knew I would be starting my second XXXX in the upcoming XXXX but knew I just wanted to take one class which would n't make me eligible for deferment. Because of this I submitted requested to hold off payments, which would automatically go into deferment when I went to half time in spring semester. 

I contacted Fed Loan ( numbers, dates, and specifics are on attached letter ) and spent several hours going through the account with 2 reps and a supervisor. I was advised what to do to get this off my account, which was to show that I submitted a request, and then re-submit. I was ensured this would be handled and we 're almost a month later and nothing has been resolved. 

I work in finance and continually undergo intensive security screenings. I can not have these on my report. And frankly it 's in violation of the law.
Complaint sub-issue: Debt is not yours

I previously requested that this agency validate the debt and they failed to do so. I have sent multiple certified letters starting in XX/XX/2018. The credit bureau removed the information and the collection agency placed the information back on my report almost one year later. Also I receive multiple calls a day from a VoIP number coming across as a local phone number.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 I wrote a letter to all 3 credit bureaus in regards of items that I disagree with on my credit report after I pulled my report. I sent out my letter certified so I can keep track of all my documents because I know they have a certain amount of time for responding to my letters. I will attach my letters, return receipts and my proof of identity so you can help me with this matter because this is unfair that these credit bureaus are putting crazy items on my report like this.
Complaint sub-issue: Account information incorrect

I ordered a copy of my three credit reports and found erroneous information on all three. Inaccurate information is being used to negatively affect me in the course of seeking funding for my small business. In XX/XX/XXXX and XXXX of XXXX i sought business line of credit from various entities and was denied. Upon receiving the reasons for denial personal credit was sighted as the significant cause. Upon reviewing my credit i realized that dated information from over 10years ago was reflected on my report, the sum of which was being used to evaluate my credit worthiness. My personal information included data from others i shared similar background information with, making it harder for me to be evaluated singularly on my merits. 
I seek assistance in having this information corrected and have contacted all three agencies to remove the outdated, erroneous and negative data from my records.
Complaint sub-issue: Information belongs to someone else

I've been informed that you do not restrict files when they are supplied along with an FTC fraud report. In order to create a legal remedy, I'm sending this letter certified mail in accordance with the FCRA 's 605b requirement. I will be giving my documents to my lawyer to begin a legal case if you decide not to stop the items stated below from reporting incorrectly as a result of identity theft. Please obey the law as it is not my aim to take legal action... 

The following things should be removed since they were opened without my permission or knowledge and are fake. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX require copies of any paperwork related to this account that has my signature, as I am aware that none exists, if you insist that these claims are entirely true and provable. I formally request that this information be promptly removed from the credit file you keep for my Social Security number in the absence of any such proof with my signature. 

Please be aware that if you discover any information in my credit file that you believe to be the product of suspected identity theft, you have four business days to stop reporting it. XXXX or any other kind of automated verification is not acceptable to me.
Complaint sub-issue: Information belongs to someone else

I saw my credit report and saw some fraudulent activity on it ( inquiries ) on the 3 credit bureaus so I sent them my ftc report and nothing never happened.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

I filed a complaint with Consumer Financial Protection Bureau on XXXX XXXX XXXX XXXX this company did not reply to my complaint instead they sold thus account to West Coast Realty Services. XXXX XXXX sent me a letter on XX/XX/2020 informing me this account had been assigned to West Coast Realty Services. I have not received any communications from this company and they have not returned any of call.
Complaint sub-issue: Information belongs to someone else

Notice to Principal is Notice to Agent, Notice to Agent is Notice to Principal and I am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder of due course for any and all derivatives thereof for the surname/given name XXXX XXXX XXXX  XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX and autograph as the XXXX XXXX in fact, so be it ; As the XXXX XXXX  the company has violated my consumer rights in more than one way and has caused damage to my reputation. 

15 U.S. Code 1681 ( a ) States : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

It is a fact, no authorization nor consent was provided to post on my credit profile.

It is a fact, no contract was signed with wet ink between me and this credit reporting agency to collect personal financial information.

It is a fact, that my right to privacy is being violated by use of unfair credit reporting methods.

It is a fact, that my consumer rights are being violated.
Complaint sub-issue: Account status incorrect

Equifax ; XXXX  and XXXX  should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

During XX/XX/XXXX I discovered that some of my friends were illegally obtaining specs to my devices and use XXXX XXXX XXXX ( XXXX ) and XXXX XXXX  on my phones and devices. This allowed these persons to obtain credit, fraudulently sign for student loans, and launder money through my bank account from other schools I have not attended ( including XXXX ). They used those loans for person purchases including purchases for their kids, trips, vacations, and divorce lawyers. Despite ample evidence and the hiring of a PI, I have no been able to get assistance outside of those I talk to on the phone. My banking institution I was with XXXX does not return emails or voicemails. The one police report I obtained, does not offer any information outside that I have reported identity theft. Also, fraud departments are not calling me back ( though this may be due to COVID ). However, I am sitting at about 50-60K of student loans that have been absorbed by my ex friends, and XXXX K of fraudulent student debt with no resolve in sight of obtaining those funds back. I understand that my ex friends are influential, which is how they were able to put my phones and laptops on their company plans illegally, however I am not going to be liable for their XXXX runs in other cities all day. 

The school loans fraudulently obtained occurred while I was attended XXXX University beginning in the year XXXX. My loans are now almost maxed out. 

Also, I am aware that my name and address were changed fraudulently across all of my accounts, which is how I discovered SOME of them. Their address at XXXX XXXX XXXX XXXX XXXX XXXX nc is listed fraudulently on my credit report. The XXXX XXXX picture I'm attaching is ONE piece of evidence. I called XXXX - the ONLY way they would have been able to put my phone on XXXX  is that someone in XXXX  or XXXX XXXX gave them specs to my device. I obtained a new XXXX XXXX XXXX XX/XX/XXXX, with a new carrier, new number, and new email and XXXX XXXX - XXXX XXXX   began showing on the phone. There is a ticket ID in XXXX for the craziness I have experienced # XXXX.