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

I have been enrolled in PSLF since I have been working for the state and federal government since I've graduated from my XXXX XXXX degree ( FYI, I received by degree in the XXXX XXXX from XXXX University so I couldn't select it in the form ). When I started with the state government in XXXX, my loan repayment program was income driven until I moved to the federal government in XXXX. When I moved to the federal government in XXXX I moved to a ten year repayment plan schedule which moved my monthly payment to approximately {$450.00}. Starting in XXXX my current employer offered to pay part of my loan down at the amount of $ XXXX. They've paid this amount for XXXX and XXXX, however, my monthly payment did not go down. I've requested Pennsylvania Higher Education Assistance Agency ( PHEAA )  as to why my monthly payment would not be reduced as my loan amount has reduced by 50 %. I've called them and emailed them several times over the past month and they refuse to recalculate my monthly payment and have stopped responding to me. I am quite confused as to why my monthly payment would not be reduced when I'm trying to pay off my loan prior to the PSLF end date in XXXX. I have conversations documented via email.
Complaint sub-issue: Need information about your loan balance or loan terms

I am a co-signer on two Student Loans for my daughter with Sallie Mae. The first loan was not a problem, as we signed up for Deferred Payments. I did the same thing on the second loan and they started to charge Interest only on the second loan. I have not been able to have anyone at Sallie Mae provide me with the documentation from both loans to compare where I signed up for the Interest only loan vs the Deferred payments. 

I know I did not sign up for Interest Only loan payments while she is still in school and as a matter of fact, tow months ago, they sent a letter saying they were going to start charging her Interest and Principle on the loan while she is still enrolled in school. I have done some background research on Sallie Mae and now see that have a terrible reputation with student loans, the terms associated with the loan, providing clear information on the repayment terms and giving conflicting details on what the loan terms are and which category they are in. I truly believe this organization 's less than stellar process of verifying information and making things clear has lead to their terrible situation. 

We are not looking for loan forgiveness, but to make it right as far as the payback terms. I want the information to reflect the loan should be Deferred Payments until my daughter finishes college.
Complaint sub-issue: Account information incorrect

To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I ask that the items be deleted to correct my credit report.
Complaint sub-issue: Account status incorrect

Nelnet is reporting my credit as Current was 120 days delinquent. I had called Nelnet about my accounts. I was going to school at the time and informed them of that. They said they had never heard of the school. I went to the school and had a deferment paper sent to them. I followed up with Nelnet and they said they couldn't find the school in their system. I had to go back to the school and get another paper from the school to show I was enrolled. Nelnet refused to take it via email or fax. I had to mail it to them. While I was doing all this I was told that my account would not show as delinquent once I established that I was in school at the time. When they got they finally the paper they now show me as current but previously delinquent. I am struggling to get housing because of this late reporting.
Complaint sub-issue: Didn't receive enough information to verify debt

: I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Complaint sub-issue: Information belongs to someone else

one fradu account has been reporting under my equifax credit reporting agency and they are giving me a very hard time about this, i have disputed several times as fraudulent but they are not disputing correctly and are giving me a very hard time. 
i have been very upset and distressed and not been able to function properly, about this matter, i have also attached my police report and other docs, but yet not been able to have this taken care of. 
i will be attaching this FTC report and police report and identification.
Complaint sub-issue: Account status incorrect

I am a single mother who is trying to refinance a mortgage right now so that I may have a roof of my families head, but my mortgage is too expensive. If I refinance my housing payment will be much more affordable as I have been financially impacted due to covid-19. My mortgage broker recently contacted me stating that I would not be able to refinance my home ( {$1000.00} a month difference ) because of inaccurate information left on my credit report ( s ) by XXXX XXXX for child support. I am current on my payments, never have been late. Any late payments listed are inaccurate and should be deleted right away. I am complaint to the CFPB because I am being given the runaround by XXXX stating I should file a complaint with the bureaus, which is not correct. The bureaus are the ones who publish the information that is reported to them by data furnishers such as XXXX. I am requesting that XXXX, Equifax, and XXXX investigate my file as I am disputing the attached items and XXXX should correct the reporting right away that it has sent to the bureaus before a lawsuit indeed is filed, which XXXX will be required to pay my legal fees for inaccurate credit reporting. I do not care if XXXX is a government agency, this is my 30 notice of intent to file a lawsuit. Alternatively, the negative information needs to be deleted before all parties including the bureaus are involved in a lawsuit pursuant to the FCRA. Kindly consider this my request to remove this inaccurate information I have never been late. This is causing me a lot of stress and anxiety and I do not know why I must spend so many countless hours trying to fix the mistakes caused by all the parties listed on this complaint.
Complaint sub-issue: Didn't receive notice of right to dispute

Inaccurate wrong and hurtful information being reported by this company to the credit reporting agencies. I do not nor have I ever had any contact with this collection agency. Nor have I gotten any for of communication from them in regards to reporting negative information on my credit report to XXXX XXXX. This information that has been reported is in violation of the Fair Credit Reporting Act laws. At this point no communication is warranted the damage has been done. I would like for them to validate any contracts they have along with payments and amounts due pertaining to the alleged debt. If validation can not be proved I demand the negative reporting be removed from XXXX XXXX immediately. If validation is found I have the right to have all findings mailed to me with 15 days of the findings and demand 30 days to respond.
Complaint sub-issue: Investigation took more than 30 days

I have received a copy of my credit report and it shows company XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$540.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Complaint sub-issue: Account information incorrect

Account is admitted to being paid in full by collection agency but remains on all 3 of my credit reports.
Complaint sub-issue: Information is missing that should be on the report

I have submitted the proper documents showing that i was the victim of Identity theft. Please solve this problem ASAP.
Complaint sub-issue: Problem during payment process

I made a payment on XX/XX/XXXX of {$1000.00} towards a credit card bill from Citi Bank. This payment cleared my bank account ; however, the credit was not posted to my Citi Bank credit card account. I called to check why, because it should be immediately available or at the latest 3 days. I was informed on the phone that the payment was under review, even though it was coming from an account with my name on it, and the payment would not be able to be made available until XX/XX/XXXX. That is an extremely long time for a payment to clear. They said I could call my bank where the funds were sent from to verify they cleared. I agreed to do this, and the funds were verified, and Citi Bank removed the hold/review and credited me the {$1000.00} ( XX/XX/XXXX ). I understand this happened because of the reasons they provided then, which were because the account was new and it was a large payment. I think this is rediculous but I thanked them and went on with my day. 

Today, XX/XX/XXXX, The exact same thing happened with my recent payment of {$1400.00} on XX/XX/XXXX, and it cleared my bank on XX/XX/XXXX. This was from the exact same checking account to the exact same credit card I have with Citi bank. They flagged the payment again, citing the same reason. This time I asked to speak to a supervisor when I informed them of my issue because, at this point, there was some discrimination that had to be the basis of this. The first agent I spoke to would not allow me to speak to a supervisor after going backward and forward with him, asking XXXX times to speak to a supervisor. She informed me that the payment was under review and would not be released until XX/XX/XXXX after the review. The same thing happened with the second agent, but this time after asking XXXX times, he mentioned if I would like to just speak to someone in the XXXX. I said yes. I finally get to speak to a regular agent in the XXXX and informed her that she would not be able to help me in the way I needed to be helped. So I asked her for a supervisor, and she immediately connected me with XXXX. I explained both situations and the horrendous experience with the first XXXX representatives in another country. The supervisor provided me with the same reason as before as to why the payment was flagged. I asked if I could get some documentation regarding the reason why this keeps happening, and she insisted she couldn't and that she would only be able to send a confirmation email. We proceeded to call my bank where the payment came from, the bank verified it again, and she credited my account. 

I really think that Citi Bank is racially profiling me, in addition to discriminating against my previous credit history. There are probably other discriminatory reasons as well, but this has to stop. Every payment I make to pay my balance off each month should not be flagged as me fraudulently making payments from my own checking account.
Complaint sub-issue: Personal information incorrect

To Whom It May Concern : I am writing to update and correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX NC XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX I do not wish to have any telephone numbers on my report. 
Please remove all other addresses off my credit report as they are not accurate, and are not deliverable to me by the US Post Office, and thus they are not reportable as per the FCRA, since they are not accurate. 
Sincerely, Name XXXX XXXX
Complaint sub-issue: Debt is not mine

ERC continues to send notices of a XXXX debt we do n't owe ( to someone with a different account # and same last name -- but who does not live here ) even after we sent them proof from XXXX that our last bill was paid years ago.
Complaint sub-issue: Personal information

The United States Postal Service utilizes Equifax to verify the identity of people wishing to use enhanced features of their website. I have been presented with XXXX different questions to verify my identity and each time, the verification fails. The questions asked provide XXXX different answers and then a final " my answer is not shown/not applicable ''. For each question asked, the correct answer IS XXXX of the choices provided. The USPS has told me that this is a service provided by Equifax. Equifax disputes this and wants to send more documents to verify my identity and has been unable and unwilling to address what can be done to correct the situation so that I may verify my account with the USPS. Also, while on the phone with the representatives of Equifax , they repeatedly have asked me to get a copy of my credit report even though I received one this morning. And they do not show any record of that. They 've told me that they do not have my PO Box on file, however that is the address used to obtain the report this morning.
Complaint sub-issue: Information is not mine

I have been in contact with Equifax in the previous months, for which, I have certified return receipt cards, to proof that their representatives signed for my letter informing them that I had previously reviewed my credit report and noted that there were XXXX entries that were not mine. I notified them that I had even contacted XXXX XXXX and XXXX by certified return receipt XX/XX/2016, inquiring about the XXXX entries that were listed in my credit file by these XXXX companies. XXXX XXXX along with XXXX XXXX XXXX have both failed to supply me with valid proof baring my signature that I was the owner of account XXXX and XXXX. However, I have recently pulled my credit report and not only did I notice that Equifax did not delete both entries by XXXX XXXX and XXXX XXXX XXXX, but they have continued to supply non-factual information on my credit file attached to my social security number, stating that I have an unpaid balance of {$240.00} due to XXXX XXXX and XXXX XXXX XXXX, and is therefore, in a breach of the FDCRA. I have also requested valid proof from Equifax to supply me any information on file baring my signature, along with a copy of a contractual agreement that I had with XXXX XXXX and XXXX XXXX to pay them the amount reflecting in my credit file with Equifax, and as of this date they have also failed to supply me the valid proof as mandated by the FDCRA, therefore, this entry needs to be deleted from my credit file immediately, and I am demanding my cycle score be updated immediately!!
Complaint sub-issue: Debt is not yours

I have a collection account from I.C. SYSTEM, INC on my credit report. They are reporting unvalidated information on my credit report and are saying I owe them money. I am requesting that the unvalidated information is blocked and removed from my credit report immediately and I want a copy of such deletion request sent to me. 15 US Code 1681a ( 2 ) states that any consumer reporting may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. You are in violation block and remove unless debt is validated. The amount of the account is for XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act DEPT OF EDUCATIONXXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX has 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 a account without my written instructions
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updated Credit Report, the incorrect information are still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the Credit Bureaus was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i and 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

I the consumer pursuant to title 15 U.S. Code 1692a ( 3 ). I requested verification of unverfied debt pursuant to title 15 U.S. Code 1692g ( a ) ( 4 ) and title 15 U.S. Code 1692g ( a ) ( 5 ) and have not received a proper response. DISCOVER has continued to attempt to collect the debt despite failing to adhere to Federal Code.
Complaint sub-issue: Account information incorrect

On XX/XX/2022 I sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. 

This is false because there a number of inaacuracies on my consumer report that still remain. 

They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( 1 ) ( 5 ).

I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( 7 ). They have 15 days to respond the description or else above listed accounts need to be removed from my consumer report.
Complaint sub-issue: Account information incorrect

CITI has admitted to inaccurate information on my credit with XXXX  and has yet to fix it this is almost two years of going back and fourth with them.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, has 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 a account without my written instructions
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Personal information incorrect

I WOULD LIKE TO HAVE THE FOLLOWING ADDRESSES REMOVED FROM MY CREDIT REPORT THEY ARE NOT MINE : XXXX XXXX XXXX, XXXX, AL XXXX XXXX   XXXX  XXXX, XXXX, AL XXXX XXXX XXXX XXXX, XXXX, AL XXXX MY EMPLOYER IS XXXX MY DOB IS XXXX MY SS XXXX MY NAME IS XXXX XXXX XXXX
Complaint sub-issue: Funds not received from closed account

CASE NUMBER : : XXXX SORRY I LIVE IN INDIANA FOR LESS THAN A YEAR, I DONT EVEN HAVE A INDIANA ID YET, STILL MY OLD ILLINOIS FROM LAST YEAR AND 5 year ago MASSACHUSETTS. Why would I do unemployment here and I never worked a job here? I HAVE XXXX XXXX  IN TWO OTHER STATES WHERE I HAVE PREVIOUSLY LIVED. FOR THE RECORDS ITS PUA UNEMPLOYMENT WHICH MEAN XXXX ASSISTANCES WHICH I HAVE ALL MY ARTICLE OF CORPORATION AND TAXS FORMS INCLUDING 1099 PLUS BOTH XXXX  ON XXXX. SO THATS FRAUD TO GET UNEMPLOYMENT FROM INDIANA AND I GOT CURRENTLY XXXX XXXX IN TWO OTHER STATES. US BANK HAS NEVER ASK FOR ANY PROOF NOR INFORMATION OF MY XXXX. THE MAILING ADDRESS IS CLEARLY INDIANA BECAUSE I LIVE HERE CURRENTLY. SO AT THIS POINT I DONT NEED TO CONTACT INDIANA IF I DO I NEED TO TELL HOW US BANK IS TELLING ME TO DO FRAUD. BOTH APPLICATIONS ARE STATED DO YOU HAVE A CLAIM IN OTHER STATES? ANSWER IS YES AND STILL GOT APPROVED BECAUSE I SHOWED PROOF. ITS MY EIN AND MY SOCIAL SECURITY SO TRUST ME I WOULDNT DARE BE DOING SOMETHING THESE STATE WOULDNT KNOW. PUA FOR XXXX XXXX SORRY! NOW WHAT BANK DO I NEED TO CONTACT TO CLAIM MY MONEY FOR XXXX? I WOULD CONTACT THEM ASAP!
Complaint sub-issue: Other problem

Citi Cards closed my account while I was on a payment program arrangement due to hardship during the covid19 pandemic.My payment are current and in good standing and I have credit available. But yet they chose to close the account regardless. To take this action in the middle of a pandemic when I was trying my best to pay them and keep the account in good standing I deem it inhumane, discriminative and predatory practices. As a result of their actions and without prior notice to me. My credit score has now been negatively affected.. I respectfully ask your office to investigate this matter fully. Your office should not just send out letters to the company company but investigate the issue at hand and punish them accordingly. As previously stated and in case I need to remind anyone we are in the middle of a pandemic and people are suffering both health wise and financially also. Their action are unjustifiableand should not be allowed under any circumstances. 
XXXX XXXX