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

I am writing to request for your assistance in addressing issues with my public service loan forgiveness payments with Fedloan servicing ( PHEAA ). 

Problem # 1 - I was placed on excessive administrative forbearance of 4 months from XXXX through XX/XX/XXXX when applying for an income-driven repayment ( IDR ) plan when typically it takes 1 month to process the repayment application. I lost months of public service loan forgiveness ( PSLF ) qualifying payments. 

Just to give a little background- I graduated from medical school in XX/XX/XXXX, had a 6 month grace period XXXX through XX/XX/XXXX during which time I have consolidated my direct subsidized and unsubsidized Stafford loans with the intention of pursuing PSLF. At that time, my direct loans were with XXXX XXXX XXXX. My first repayment should have started in XX/XX/XXXX, but I was not informed to file an IDR repayment application before XX/XX/XXXX and once I filed the IDR form in XX/XX/XXXX, XXXX XXXX XXXX gave me a timeline of up to 2 months for processing time. Once the IDR application was processed, my first bill was generated in XX/XX/XXXX on the IBR plan. My loans were subsequently transferred to Fedloan Servicing in XX/XX/XXXX and XXXX XXXX XXXX has since been closed. 

Problem # 2 - During my annual IDR recertification in XX/XX/XXXX, Fedloan servicing placed me on administrative forbearance and Fedloan servicing automatically transferred my repayment plan from PAYE to REPAYE without my knowledge and without giving me an opt out option so that I can make my normal repayment under my then PAYE plan. 

Fedloan servicing said that they automatically transferred me to REPAY because I did not qualify for PAYE. I already lost one month of repayment when my IDR plan was switched from IBR to PAYE in XX/XX/XXXX and now I lost another month again because Fedloan servicing realized that they mistakenly approved me for the PAYE plan. Fedloan unilaterally placed me on administrative forbearance, switched my repayment plan, failed to offer me an opt out plan, and failed to inform me of this whole undertaking in XX/XX/XXXX. Fedloan 's service recovery team agent realized the error of not giving me an opt out option and filed for a review since XX/XX/XXXX for a bill to be retroactively generated, but there has been no remedy since the escalation.
Complaint sub-issue: Account status incorrect

XXXX/XXXX XXXX listed multiple 30 day late payment on my credit report on XX/XX/2018 and XX/XX/2018. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX, Equifax and XXXX. Please remove the 30 day late payments from my credit reports.
Complaint sub-issue: Card opened as result of identity theft or fraud

Hello Citi Executive Response Unit, Please reconsider your investigation, as ALL points that you have stated in your reply are false. 1. " The card was sent to your valid address '' - the address you are referring to is fraudulent and I never lived there. I know what address you state from the initial credit report I obtained after discovering this issue. Plus in XXXX I've been living and studying in XXXX XXXX a country in XXXX XXXX which is proven by docs attached to this complaint. I can provide you with my diploma if you need. 2. " Statements were sent to your valid address '' - What address? If the same address that you state in the 1st point - that is not my address and never was and I have never received any statements from you on any addresses in the US where I lived after I reentered the country in XX/XX/XXXX. 3. " Payments were made from your valid checking account, which has not been identified as being fraudulently opened '' - If you have a checking account opened in my name in your bank - it is also fraudulently opened and needs to be investigated. I've never opened a checking account with guys. And again no one from your team contacted me to investigate this case. Even though your support said that the investigator will reach out to me. I am a victim of identity theft, and it is not my fault that the security of your bank works badly and lets criminals open accounts in other people 's names. Instead of helping out to fix this and investigate solutions to avoid anything like this to happen in the future to other people, you guys continue harassing me. Please stop, otherwise, I'll need to go to court to defend myself. 

Attaching your reply to this case. 

Thank you, XXXX.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/2020, XXXX XXXX ran my credit a total of 3 times consecutively. I did not authorized these inquiries and I want them all removed. I have disputed them with equifax and they refused to remove them. I want proof of authorization for these inquiries and if this can not be produced I want them all removed.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I seen these inquires on my report that i have no knowledge of. I think my information was used in a data breach
Complaint sub-issue: Information belongs to someone else

I've been disputing fraud account on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The account is showing in dispute nor is it removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the account to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.
Complaint sub-issue: Account information incorrect

I have tried multiple times to no avail through your agency since you do nothing to correct major credit problems but file it for posterity! Once again and after multiple complaints you close  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  has posted incorrect information to my credit agency reports causing server financial harm. Their response always omits critical information and the problems are never resolved. Your agency useless but I need to file for documentation purposes. In speaking to  XXXX  she confirmed I was paid through  XXXX . I am not two months pass due and I have not paid pending a reply of correction to the prior complaints you merely filed away! I understand they ae still being investigated by the credit bureaus.     Not more than two payments past due (  2  ) -  XXXX   XXXX     XXXX   XXXX   XXXX       XXXX   XXXX  has flagged your account as Not more tha n two pa yments past due ( 2 ).   Alert Type : Potentially Negative Found On :    XXXX   XXXX   XXXX   Potentially Negative Alerts notify you when one of your accounts has reported information that may ne gatively impact your credit score.     Balance spoke to  XXXX  last payment made- way  XXXX    XXXX  . Paid up through  XXXX . Confirmed. I then asked for an acc t manager to insure me the credit report was repaired- the same as last time. Had to hold extensively long for a manager who  I relayed my request for resolution! I finally Reached  XXXX  - a  Manager- who stated I WAS UP TO DATE AND NOT 30 DAYS PAST DUE AND THAT THE CREDIT REPORTING AGENCIES CAN TAKE 60 DAYS EVEN THOUGH THEY HAVE NOTIFED THEM TO CORRECT THE ISSUE.
Complaint sub-issue: Information belongs to someone else

Thank you for your help. 
I just got my Equifax credit report online. I linked to a company from my credit union website, and ordered it from there. 

Equifax has my last name listed with an incorrect spelling. It lists my last name spelled two ways, but the incorrect way is the name that is listed at the top of the report. 

I have never had any other name than the one I was born with. They have added an " XXXX '' to the end of my last name. 
There also is at least one account that I do not recognize. A car payment loan from XXXX, and I can not recall ever having a car loan in that period. It's possible, but it looks wrong. 
Mostly, am concerned about the incorrect spelling and I'm wondering if someone else may have used my name to open things. I have not yet gotten the reports from other credit report companies and wonder now if I should get all 3 at once.
Complaint sub-issue: Account status incorrect

This account is reporting a total of 6 missed payments that are not correct, Also Equifax fhows 6 missed payments but XXXX shows 4 missed payments. They continue to report actively on my credit report and even though I paid this credit card in full way back in XX/XX/XXXX and requested it to be closed its still reporting actively most recently as XXXX XXXX 2017. I emailed the company twice about this error and still have not gotten any response back. I was recently denied for a auto refinance due to these incorrect  missed payments reporting.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On my EQUIFAX credit report I have XXXX hard inquiries, XXXX in which I do n't know anything about. I 'm really shocked to even see this much but it makes me mad For them to be on my report when I did n't even do it. I tried to get the problem resolved but obviously they do n't want to. 

XX/XX/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. XX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX  XX/XX/XXXX- XXXX XXXX XX/XX/XXXX- XXXX XXXX
Complaint sub-issue: Transaction was not authorized

On XX/XX/XXXX I tried to send monies to my mother of {$150.00}, & {$2500.00} and she did not receive it. She went online looking for a number to call for customer service to XXXX. After she called a number that was online this is when she was connected with this guy named XXXX. XXXX explained to her that she needs to get me on the phone. Once I got on the call, I was told that he needs to secure my account. The guy sent me a request for another {$2500.00} and I asked why he stated again needed to secure my account and the money will be transferred back to my account. He sent several more requests and I declined because, at this point, I felt something wasn't right. After contacting my bank, they stated nothing was refunded only withdraws. I checked with my mother 's bank that day and she did not receive any of the funds totally {$5100.00}. 
In the beginning, my mom felt this guy was part of XXXX because he sent links to her phone asking to verify her information. He did the same with me. He used this number for me to copy and paste the link and send to him at this # XXXX.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with the fair credit reporting act. The account below has violated my federally protected consumer rights to privacy and confidential under 15 usc 1681. 

Account : XXXX XXXX XXXXXXXX Open/closed Closed Date opened XXXXXXXX XXXX XXXX  Account type Credit Card BY XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phone number ( XXXX ) XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more war sever years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following inquiries were disputed several times to equifax and they will not remove them. XXXX XXXX, XX/XX/XXXX ... I applied for my account with them in XXXX. No requests were made in XXXX XXXX, XX/XX/XXXX ... no idea what company this is XXXX, XX/XX/XXXX ... Fraudulent inquiry XXXX XXXX XXXX, XX/XX/XXXX ... Fraudulent inquiry XXXX XXXX, XX/XX/XXXX ... Fraudulent inquiry XXXX, XX/XX/XXXX ... Fraudulent inquiry XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ... Fraudulent inquiry XXXX XXXX XXXX, XX/XX/XXXX ... I applied for a job with them, not for credit
Complaint sub-issue: Was not notified of investigation status or results

I've been reporting these accouints XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX USA N A ) XXXX and XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX USA N A ) XXXX for a long time. A Charge Off Account with Balance? The bureaus keep on reporting inaccurate information on my credit file? I even asked for verification and I never received any correspondence from them ( Equifax, XXXX, and XXXX ) This account is reporting incorrectly. I see Different dates on last active which is inaccurate. Attached are my dispute letters and the recent screenshot of my credit report XX/XX/2022
Complaint sub-issue: Threatened to take legal action

In XXXX 2015 I received a collections notice from " Bay Area Credit Service '' - I had no idea what it was for so I sent a FAX requesting more information, such as to whom the money was owed and for what ... .. I then set it aside to await a response and if none received intended to turn it over to the police as mail " phishing scam ''. 
On XXXX/XXXX/15, I had still received no response so I decided to attempt calling them before reporting it to the police. It turns out that the debt was a valid medical debt however, the provider failed to send me a bill and in speaking with the original service provider ( XXXX XXXX XXXX - XXXX, CA ), it turns out they had the secondary insurance information all along and simply failed to bill them either. Additionally, they advised that they had a different address but this has been the address for years and was also the address where the service was provided. The first person I spoke with said they attempted phone contact but they did not and when I mentioned that to the supervisor, she did not indicate that any attempt to contact by telephone was made. The hospital and physicians who provided treatment related to this injury all have the correct information and were all paid in full within weeks of service. 
My concern is that this type of business practice damages a person 's credit - especially when the 'debtor ' would have been and still is more than willing and able to pay any uncovered expenses. 
After two hours of phone calls and speaking with a supervisor, I was told they would forward the information to the collection agency and request that it not be reported to credit agencies. I explained that I was comfortable sharing any more information with any collection agency and again requested that they pull it out of collections, bill the secondary insurance and then, if any monies were owed, bill me for the remainder. 
The supervisor at XXXX XXXX XXXX was unfamiliar with the procedure to pull back any accounts sold to collections but will look into it and phone me back in two days. Even if I am successful in pressuring them to do the right thing, it is clear that correcting mistakes is not a standard policy or practice for this provider. 
Is there a law in place protecting people from such damaging business practices? if not, there should be. I did read that the collections agency is required to give you the original provider 's information such as the name and contact information and that was not done upon receipt of my FAXED inquiry in XXXX 2015 and when I spoke with them today, they gave me the name but refused to give me the contact information for the provider ( I found it myself online ). 
Additionally, the practice of 'selling ' accounts due at a reduced rate when they are in fact able to collect through standard billing methods, only serves to further increase the already inflated cost of medical care - making it increasingly difficult for average citizens to obtain and pay for needed medical care.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to Equifax and XXXX to remove erroneous inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I see a lot of inquiries on my credit I have not approved
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX Best Buy XX/XX/2021 I did not authorize these inquiries and did not apply for these cards.
Complaint sub-issue: Was not notified of investigation status or results

Based on the fact that the credit bureaus ignored my numerous requests to provide documentary proof that they used to verify the disputed accounts, which means that they have not verified or they can not verify any of these accounts. They failed to identify the name of a responsible person in the company who verified the accuracy of these accounts. Besides, they have not submitted evidence of the investigation, reinvestigation ( method of verification ) by giving me names and addresses of persons contacted, nor they have removed anything found inaccurate.
Complaint sub-issue: Account information incorrect

Equifax and XXXX  should not be reporting me as an authorized user on the 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: Their investigation did not fix an error on your report

XXXX XXXX has posted XXXX Inquires in days on my report not authorizing any permission to do so FCRA Section Code 1692g
Complaint sub-issue: Information belongs to someone else

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.
Complaint sub-issue: Problem during payment process

On my Costco/Citi statement due XX/XX/XXXX, I had a statement balance of {$61.00} and went online today, XXXX to pay it. After the statement closing date I had returned a couple of items, leaving a balance owed on this statement of {$14.00}. 

When I clicked on the PAY button, I was shown 3 options : Pay the minimum due of {$35.00} ; Pay the remaining amount on the statement due of {$14.00} ; Pay the total currently owed of $ XXXXsomething. 

However, when I clicked on the {$14.00}, I wasn't allowed to pay that amount. I had to pay the minimum shown on the statement of {$35.00}, thereby overpaying by {$20.00}. 

I called about this and was told by the customer rep that yes, she could easily see the problem, but that was the rule and she could only make note of it for the future. 

This is quite a scam by Citi. This forced overpayment is a small amount, and is an accounting inconvenience for me, but much more importantly, Citi is using my money and that of others for free, probably totaling hundreds of thousands of dollars per month. It isn't correct, it is a rip-off and I believe that your Bureau should make them change the practice.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. The EQUIFAX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please correct or update the account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5900.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$420.00}
Complaint sub-issue: Account status incorrect

IC Systems is reporting debts on my credit file that are not mine. Please note that this is not a refusal to pay, but I am asking for validation. Under the FDCPA, I have to right to request validation and I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binging on me to pay this debt. I am NOT requesting verification but a request that validation is made. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. During this time, if your office continues to report invalidated information to any of the 3 major credit bureaus, this can constitute fraud under both federal and state laws. If you continue to report I will not hessite in bringing legal action against you for violation of the FDCPA and defamation of character. If IC Systems is able to provide proper documentation I will require 60 days to investigate this information and during such time all collection activity must cease. If you fail to respond within the 30 days, all references to this account must be deleted and removed from credit and copy of a deletion letter shall be sent to me immediately.