Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Received bad information about your loan

I took out loans for XXXX school. As I approached graduation and in the first several months following ( between XXXX ), I spoke with XXXX XXXX, XXXX and XXXX  agents several times to ensure that all my loans qualified for for PSLF and that I had been entered into repayment as of XX/XX/XXXX ( first month after graduation ). I was assured several times that all my loans did indeed qualify and that I was in repayment with XXXX $ payments until XX/XX/XXXX. Subsequently my loans were transferred to Fedloan, where I continued to have regular contact with Customer service agents who again reassured me several times that all my loans were qualifying loans. Come to find out in XXXX during one of my frequent calls with Fedloan ( I literally called them 3 times a year, regularly, to ensure I was doing everything correctly ) that some of my loads did NOT qualify for PSLF. I was advised that I had to consolidate those loans and that prior payments wouldnt count toward PSLF. I had no choice but to do so. There was no outlet for further explanation or source of counseling. Despite my near constant communication with XXXX and Fedloan they had not once disclosed this information previously, despite being specifically asked several times. Its no surprise I guess since my loan servicer was transferred through 4 different servicers in those years from XXXX. So even though I was completely on top of it and knew what to ask and asked several customer service people regularly, no one ever gave me the correct information. As it was no fault of my own, these years of payments i made on those non-qualifying loans should be counted. And the companies involved should take responsibility for providing false information and lying to me. Furthermore, Fedloan has not counted several of payments I have made as qualifying payments. This is despite me asking for a recount for 1 year. Notably, I have been in automatic repayment every single month since I graduated in XX/XX/XXXX - meaning that they have had complete access to my bank account and that logically, there is absolutely zero reason that I would ever have a late or missed payment through any fault of my own. 
These loan servicers pray on young, ambitious and extremely busy people ( Im sure no one in their company understands what a 100 hour  work week feels like ). Their customer service agents give false information and have zero skin in the game. They have no incentive to provide accurate information - especially when my loans were constantly being transferred to different servicers ( 4 servicers in 2-4 years! ). They are criminal. Completely unethical and the worst part is that I have no option to be at their mercy.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have an unauthorized inquiry from XXXX XXXX which occurred on XXXX XXXX,2017. This inquiry appears on all three credit bureaus. I did not authorize anyone to access my credit report on this date.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX agreed to send me my title and correct derogatory credit reporting in agreement to dismissed court case. And did not hold up to their end of the signed agreement. And reported negatively on all 3 of my credit reports. And had vehicle repossessed. After court cased settled out of court.
Complaint sub-issue: Information belongs to someone else

There are some accounts that are on my credit report I do not recognize
Complaint sub-issue: Their investigation did not fix an error on your report

The credit company has reported to the credit bureaus that I have a delinquent account with them, and when asked to back it up or to take it off the 3 bureaus, they have not responded at all.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax was contacted to correct Student Loan Info ( XXXX XXXX ) and the XXXX XXXX XXXX XXXX " Reaffirmation of Debt '' which had dropped off since my XXXX XXXX is over XXXX XXXX XXXX going on XXXX. Equifax was provided documentation and refused to remove the re-aging of the re-affirmation on XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX XXXX and they state the flag was not added by them to contact the credit bureau, Equifax. I did and they refuse to correct this. This caused my credit to drop XXXX pts. The XXXX XXXX has been closed for almost 8 years and the 'Reaffirmation of Debt ' should not be appearing on my credit file. I am attaching their " Investigation '' which they did not even look at documentation sent and I am not able to re-dispute. This agency is known to have major issues correcting errors in violations of my rights under the FCRA. Although evidence was sent they refused to remove the " Reaffirmation '' they added in XX/XX/2022 that has caused other companies to reduce my credit limits and close my accounts and also lowered my overall score by XXXX pts. They should be banned from providing Credit Files to others given the breaches and wrong and erroneous credit reporting injuring the consumers.
Complaint sub-issue: Problem while selling or giving up the vehicle

There were 2 recalls on the XXXX XXXX XXXX XXXX vehicle, and we wanted to surrender without penalty. For 2 years, Ally has dragged this out placing us on multiple ludicrous call back responses and communications with Supervisors which never happened and being hung up on several times while trying to resolve this matter. Disruption in service predicated by an identity theft incident in which we were locked out of the system. We called clarifying a change of address and a need for an entry key. This was not resolved until about 3 months later. The agreement was we needed to prove we were locked out of the system and that all penalties and late fees would be waived completely, and this never occurred either.
Complaint sub-issue: Account status incorrect

Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Fo XXXXXXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Complaint sub-issue: Not given enough info to verify debt

I contacted this company when I saw it was on my credit report. The reason I called was because the amount showing owed is twice the amount that was originally owed and left unpaid. I asked to verification of the debt and was given the runaround. Also the debt is showing as recent as last year and this is not accurate either. The original delinquency date for this debt was in XXXX 2013. This company is reporting a date that makes it look like this was as recent as last year which is not correct. I was told someone would call me back with verification information but the only person that called was a collection agent to tell me how much I owed and how did I want to pay. I informed the agent that I was not going to pay anything until a verification of debt was done. He told me that all debts are verified before being handed over to them for collection so he could assure me that the debt was accurate and up to date. I thanked him for his time and ended the call.
Complaint sub-issue: Reporting company used your report improperly

I C SYSTEM is falsely reporting information on my account that I never gave consent to share, and further more I never gave consent to the companies that are reporting collections accounts to these bureaus. I've sent certified written communications to all parties involved and they continue to harass and violate my rights to privacy.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I never authorized ( authorization ) viewing of credit ( inquries ) also No inquries are associated with an open account I authorized ; ( Identity Theft Victim / Equifax Data Breach ) ... 

Inquiry details : XXXX XXXX Inquiry from XX/XX/2018 Credit Unions XXXX XXXX, XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX, XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX-XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 National Credit Card Cos. 
XXXX XXXX Inquiry from XX/XX/2018 Credit Unions
Complaint sub-issue: Trouble with how payments are being handled

This complaint is about inaccurate payment counts for Public Service Student Loan Forgiveness. My payment count remains inaccurate after requesting and receiving a recount by FedLoan. My loan was consolidated in XXXX, enrollment status effective XX/XX/XXXX. I worked with XXXX  advisor to consolidate following this. Loans were originally serviced by XXXX XXXX before transfer to Fed Loan. Throughout repayment, I have always been in the IBR plan. I have had only 2 employers and I have certified both as eligible employment from XX/XX/XXXX-XX/XX/XXXX via submission/approval of ECF forms. I have always been enrolled in autodraft for my payments. Despite this, my counts are wrong. I asked for a recount in XXXX and, while they did increase the count, I believe it was still off by 19 or 20 payments. Now, as of my XX/XX/XXXX recert, I believe my count is still off by 12 or 13 payments. The source of error may be that Fed Loan is not applying the {$0.00} payments which I made during my first year of repayment, despite this being the amount due under my income based plan and despite being enrolled in AutoPay. Thank you for your help in this matter.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I'VE DISPUTED THIS FRAUDULENT ACCOUNT NUMEROUS OF TIMES AND NOTHING HAS BEEN DONE. I'VE SUBMITTED MY POLICE REPORT, AND FTC REPORT LIKE INSTRUCTED AND STILL THE FRAUDULENT ACCOUNT IS STILL ON MY CREDIT REPORT. I'VE REACHED OUT TO THE COMPANY IN REGARDS TO THIS MATTER AND WAS INSTRUCTED TO CONTACT THE CREDIT BUREAUS. I'VE BEEN GOING BACK AND FORTH FOR OVER A TWO MONTHS WITH NO RESOLUTION. I NEED THIS ITEM REMOVED OFF MY CREDIT REPORT.
Complaint sub-issue: Can't close your account

I went to KeyBank 's branch to request the closure of my checking account, savings and credit card. I was helped directly at the counter by a teller, he said the accounts were permanently closed, but I didn't get any proof that my accounts with KeyBank were in fact closed. I haven't been given any confirmation or letter, and today, after the facts I still have access to the accounts..
Complaint sub-issue: Investigation took more than 30 days

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX  Account Number : XXXX Reason : Unverified account
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

My Equifax score suddenly dropped by XXXX points on XX/XX/21 with no negative changes to the factors influencing my score. I called Equifax and they were unhelpful and directed me to consumer credit counseling. I want to understand the change in my score. My other scores remain high. 
Thank you.
Complaint sub-issue: Personal information incorrect

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, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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 XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESSES DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, MD XXXX Resident typeSingle XXXX XXXX XXXX XXXX XXXX XXXX MOBILE, AL XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX typeSingle family XXXX HERITAGE XXXX XXXX XXXX XXXX, FL XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info XXXX 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 XXXX 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 ( XXXX ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Funds not handled or disbursed as instructed

Chronology of Contacts with Ally XX/XX/XXXX transfer request for IRA in amount of {$68000.00} was initiated via facsimile XX/XX/XXXX Ally called to say signature faint XX/XX/XXXX transfer request resent with dark signature XX/XX/XXXX multiple calls to Ally told signature faint. Eventually told Ally said signature faint. Left numerous messages for spoke with XXXX, XXXX, XXXX XXXX, XXXX, XXXX. No phone calls returned on XX/XX/XXXX Executive leadership team would call with 1-2 business days. 

XX/XX/XXXX Resent transfer request for third time via XXXX  overnight delivery. 

XX/XX/XXXX spoke with XXXX XXXX XXXX- no idea where the transfer request is. According to XXXX Transfer request was received by Ally on XX/XX/XXXX @ XXXX XXXX 

XX/XX/XXXX spoke with XXXX who assured she would follow up but had no idea where the transfer request form was. 

XX/XX/XXXX spoke with XXXX, XXXX- no idea on where the document was. 

XX/XX/XXXX spoke with XXXX who was trying to find out if transfer request form was in the mail dept., imaging dept., operations dept., transfer dept. she promised to call back in 15 minutes. Did not call. 

XX/XX/XXXX spoke with XXXX - no idea where document was - refused to take a message for XXXX or any other supervisor to call back. 

XX/XX/XXXX spoke with XXXX - form received yesterday and is being escalated for processing. 

In the course of this issue, messages were left for and requested phone call returns were requested from multiple people, including general supervisors, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. Other than XXXX on 2 occasions, no phone calls were returned.
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 transactions that I have made. It is the result of identity theft. 

Discover Bank : Account number XXXX Credit Account XXXX XXXX : Account number XXXX XXXX Account XXXX XXXX XXXX : Account number XXXX Credit Account XXXX XXXX XXXX : XXXX Account XXXX XXXX : Account number XXXX Credit Account Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Attached are the following : * NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA * A copy of my Identity Theft Report and proof of my identity. 
* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information.
Complaint sub-issue: Account terms

For a while now, I 've disputed XXXX account balance with Equifax several times. The dispute was based on the account balance of {$0.00} and changed to {$27000.00} about XXXX year later, which is misstating the balance due and a FCRA violation. 

I contact XXXX and they state, " While Ally furnishes information to the credit reporting agencies, it is the credit reporting agencies responsibility to accurately reflect that information on your credit report ''. If this is true, why was a {$0.00} balance reflecting on my credit report for XXXX?
Complaint sub-issue: Account status incorrect

On my credit report, it shows that I am current with 1 missed 30 day late for XXXX XXXX. I have never been late and have received a call and a letter from XXXX XXXX apologizing, but yet it is still on my credit report. Even though they promised to remove it.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX., XXXX XXXX Inquiry from XX/XX/XXXX + Television & Radio XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos .

XXXX XXXX  Inquiry from XX/XX/XXXX+ All Banks XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + All Banks XXXX  Inquiry from XX/XX/XXXXXX/XX/XXXX + National Credit Card Cos.

XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks
Complaint sub-issue: Reporting company used your report improperly

i am a recent victim of identity theft. my information was exposed in multiple company breach 's. shortly after the breach i started getting all kinds of credit inquires. i would like for XXXX, Equifax and XXXX to remove these fraudulent inquires asap. the inquiries are as follows. 

XXXX XXXX on XX/XX/XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Mortgage SER 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

I opened a XXXX XXXX credit card a while back through an advertised promotion on XXXX 's ordering page to get the store/statement credit. When I did this, XXXX XXXX unknowingly to me at the time ) took it upon themselves to automatically update the new XXXX XXXX card as my primary payment method. When I later made another XXXX order with the automatic slide to order, I did not see the payment method and expected it to default to my previous payment method, which should have been my primary payment method with XXXX all along. Because of this, there was an additional charge posted to the XXXX account after the balance had been paid. In my mind, the XXXX card was zero balance and not currently being used by me. What is even more unfortunate is that XXXX never contacted me when my account went late due to a payment not being made or being on auto-pay. Thus, an additional 30 days went by, and this was unnoticed by me until I was hit with a sub-sequential 30-day late payment on the account on my credit report. I called XXXX a while back to explain this and it was very hard to get through to anybody who actually genuinely understood the situation. I was never given a thorough method of resolving this issue.
Complaint sub-issue: Their investigation did not fix an error on your report

This allege account was disputed with allege original creditor XXXX XXXX and Equifax and they both failed to show how this allege debt was validated. I sent letter disputing this allege account requesting all documents and contracts XXXX has on file giving them authorization to report this account to my Equifax credit profile and no documentation was provided. I never received a response AT ALL. It is my rights under the fair debt collection practice act title 15 usc 1692 ( g ) to verify and make sure all item reporting to my credit profile are reported accurately and in fairness. XXXX XXXX and Equifax have both failed to validate this allege debt and I demand this account to be deleted from my EQUIFAX credit profile. A copy of this dispute will be forwarded to XXXX, IRS, and the US ATTORNEY GENERAL office for review.
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX