Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Need information about your loan balance or loan terms

I'm a XXXX  who is trying to apply for a PSLF student loan forgiveness. I've worked over 15 years in my district. I have had several loan servicers over the course of my consolidated loans. The current one, Moleha, was assigned to me this XXXX. They only have record of me paying payments since XX/XX/XXXX. I've always paid my loans; never late or defaulted. Now, the problem is XXXX and XXXX, my previous servicers, never sent any of the previous payment info out to Mohela. I do have some billing statements from XXXX  proving payment over a period of roughly 2 years. I also have bank statements. None of this information is available to the new servicer and they won't accept it as proof. XXXX  is out of business and XXXX is saying there is nothing they can do. 

I qualify for this loan forgiveness. I've made payments over many years since the program started in XXXX. I was in the wrong payment plan and like many, didn't find this out until XXXX. The XXXX have a limited time waiver for people like me. But how can I prove and get credit for my payments when the XXXX don't know anything, the servicers are out of business to provide the proof and all I have is a few years worth of records. 

I keep getting the run around on this.
Complaint sub-issue: Privacy issues

Discover is harassing me due to an account and related charges that they allowed a fraudulent user to obtain access to my credit card. I have called or emailed in weekly with additional information, with requests for updates, with a request for a contact person to reach out to me directly. However all they do is hang on most of the phone calls, delete information I have sent in, or remove my requests for review, and then mail out letters demanding payment for charges that ( 1 ) I have already paid for and ( 2 ) that I have consistently proved are fraudulent ( 3 ) and that I have been double billed for. The customer service departments and executive office refuse to call me back and talk in person to resolve this, but continue to add bonus charges and fees for their mistake in billing.
Complaint sub-issue: Account information incorrect

XXXX XXXX  stated that this account would be corrected and or removed from my credit report. It has been 60 days and the incorrect information is still on my credit report. It has been over 7 years.
Complaint sub-issue: Their investigation did not fix an error on your report

In my efforts to receive relief from unfair debt collections practices, I have decided to continue to file complaints to all that are supposed to assist in regulating and policing individuals who attempt to take advantage of consumers. Equifax has received several disputes from me about a debt collection company that is listed under US DEPARTMENT OF EDU. I have reached out to the company several times, even having mail returned from the listed address of XXXX XXXX XXXX XXXX XXXX, IL XXXX. I have called their number which is for XXXX XXXX, XXXX. I need to find out the method Equifax is using to validate this alleged debt. A XXXX search to this address reflects a company by the name of XXXX, XXXX XXXX XXXX who was bought by XXXX. I reached out to XXXX XXXX, who is the legal support for XXXX, and he had no answers for me, using my personal data to locate an account. I have spoken with the Department of Education Ombudsman in XX/XX/2021, and they couldn't help, I have looked on the FSA website. I was unsuccessful in finding out who the debt collector listed is, my question is, '' Equifax who are you validating the debt with? '' There is no way you could be responsibly validating this alleged debt. The information listed is incorrect and inaccurate. The account shows the highest balance is XXXX. Payment status is " No Info '' and shows as a " paid collection ''. I am demanding validation. I am demanding to receive the contact information from this debt collector, and Proof of Claim to ensure there is no debt parking on my credit report.
Complaint sub-issue: Information belongs to someone else

I am a consumer in pursuant to 15 USC1692A3 XXXX, Equifax, and XXXX   are in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from Experian Equifax nor Transunion nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. A FTC/Police report was filed and is attached to this complaint. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX Amount {$7100.00} XXXX XXXXXXXX  # XXXX Amount {$230.00} XXXX XXXX XXXX  XXXX Account # XXXX Amount {$590.00} Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My credit score keep dropping due fail to investigate they stated it will be removed off my credit report still dropping my credit score due to this false information an someone's reporting me deceased cause me to not have credit if my date of birth on Equifax is XXXX An then someone reported false information to uptain credit everything need be deleted from my credit report false information illegally dropin my credit allowed them to report this on my report just drop 100 points now it drop again
Complaint sub-issue: Confusing or misleading advertising about the credit card

A company called Credit Karma says I have outstanding approval odds for certain credit cards or loans but after I applied I was denied. Also, Credit Karma said it was a soft pull and would not hurt my credit score to apply for these offers, however my score went down.
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, PLEASE HAVE THIS ACCUNT REMOVE OFF MY CREDIT FILE FOR IT HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT. IT HAS HOLD ME BACK FROM AQUIRING NEW CREDIT, PLEASE CONDUCT A REINVESTIGATION INTO YOUR CREDIT REPORTING INACCURACIES.
Complaint sub-issue: Contacted your employer

On XX/XX/XXXX my brother received a voicemail from XXXX XXXX who stayed that she was with F & M Capital in the bad checks division. She said she had a formal complaint against my name and social security number, regarding a series of bad checks that were passed across state lines. She then called the store that I work at and spoke with the pharmacist who passed her off to the front end ( the department that I work in ). She started immediately asking a supervisor ( who actually works under me ) how she could go about garnishing my wages. She stated that she could not leave a voicemail because my mailbox was full. I verified that my mailbox was empty and then I called XXXX XXXX and asked her to provide me with a validation of this debt. She said that she had already sent mail, email, etc and I verified that she does have the correct information for me, however I have received nothing regarding this from them. She said that I owe {$2600.00} to XXXX XXXX XXXX from XX/XX/XXXX. I explained to her that I believe that this debt had already been paid and she told me that is the most ridiculous thing Ive ever heard! You need a lawyer because they are going to nail you to the wall! When I asked about her calling my place of employment she stated that she was simply verifying my employment so that she could move forward with the wage garnishment process. I explained to her that there is no HR Dept at the store level, only at corporate level and she said that she would be calling back to speak with my store manager at XXXX tomorrow. After our phone call, I signed into my XXXX account and it said there were no active accounts. I do believe this debt was paid years ago and I do not appreciate F and M capital calling myself, my family, and my work divulging personal information and making threats regarding a debt that I have yet to see validation for.
Complaint sub-issue: Information belongs to someone else

My credit report is reporting unknown and unauthorized accounts on my file inwhich I have no knowledge of. Im assuming this is credited to my identity being compromised inwhich made me a victim of identity theft so the following accounts are fraudulent and I'm demanding that this accounts be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX  {$860.00} 2 ) XXXX XXXX {$710.00} 3 ) XXXX XXXX XXXX {$470.00} 4 ) XXXX XXXX XXXX
Complaint sub-issue: Personal information

A hard inquiry was done by Equifax, XX/XX/2016, it was concluded that it should not have been done., the company. Sent documents to all XXXX CRA 'S showing inquiry should be deleted. Equifax has not removed it yet. XXXX and XXXX have. Document from company was sent to verify removal to Equifax, they said they need a call or electronic submission, they said it was their policy. I want the inquiry removec
Complaint sub-issue: Debt was result of identity theft

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : THE BUREAUS ( Original Creditor : XXXX XXXX ) -Balance : $ XXXXDate Opened : XX/XX/20XXXX XXXX
Complaint sub-issue: Information belongs to someone else

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

Equifax shows an account on my credit file that does not belong to me by XXXX.This is not my account. Also, Equifax, XXXX, and XXXX didnt update my personal information on my credit report. I sent a letter beyond 30 days and the issue isnt resolved.
Complaint sub-issue: Was not notified of investigation status or results

Equifax - I have sent over 5 dispute letters to Equifax all by certified mail and requested to remove inaccurate accounts on my credit report and they have yet to remove it. The company has been in violation of the FCRA for over 120 days now! and I would like some action taken to get this resolved. I will be sending a letter to the attorney general of NC about this matter if it continues to not get resolved. 

Dates:XX/XX/2021 XX/XX/2021 Actions Taken by Me : Sent 5 dispute letters to All bureaus Equifax by Certified Mail to remove inaccurate accounts.
Complaint sub-issue: Reporting company used your report improperly

Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 

As a recent adult and current college student with very little experience in the world of credit, this could potentially ruin my credit for the foreseeable future, and make applying for student loans, mortgages, jobs, or housing a nigh impossible task, as my credit does not actually represent my personal finance. 


Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 

Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Complaint sub-issue: Problem with customer service

I am in the XXXX XXXX. As part of my contract, the XXXX directly submits a payment to Fedloan servicing every year for six years. To  initiate the process, I need to log into an XXXX website using my military ID ( CAC card ), enter a PIN and digitally sign my document. I then send this documentation to Fedloan Servicing. 

I have had my digital signed document rejected twice this year, the second time after a call to customer service explaining how my document was digitally signed which required my military ID card ( CAC ) and an eight digit pin. This is more secure than a pen and ink signature. I also explained to them that electronic signatures are valid under the United States Code. The customer service rep told me that their policies require a wet signature. I requested that the customer service rep send me the policy, CFR or USC statute that they are relying on that excludes them
from accepting electronic signatures despite the law. I have not received a response. Fixing this issue would save services members countless hours as I just spent one hour accessing a CAC enabled website from my personal computer just so I could print out this document on my home printer, sign it, scan it and upload it. I can not send this document from my military email, computer because it contains my own PII.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX, I reached out to Coinbase ( crypto  exchange ) in regards to my account being locked. Coinbase reps advised I would receive a response in 24-48 hours. Never received one. Reached out again a week later, was advised the specialist team would reach out in 6 days. 9 days later, no response, so I followed up again. Received a generic ( bot ) response advising I wait another 6 days, so I reached back out 7 days later, just to receive the same response, again. This communication pattern continued. It is now XX/XX/2022 ( almost THREE months after my initial request ) and I have yet to receive any update in regards to my hard earned funds that are locked within Coinbase. I am not allowed to withdrawal, buy or sell any of my assets because they have locked my account for unknown reasons. I have even tried reaching out via social media and have chatted with 10+ representatives who all give me the same response a specialist is working on your account. I am utterly shocked, disappointed and distraught about this entire experience, especially from arguably the largest and most well-know crypto exchange ( Coinbase ) who just recently IPOd! 

I am simply looking for someone to HELP me access MY funds ( thousands!! ) and assets that are tied up and in THEIR possession. I have been rational and patient but at this point I feel like my messages and emails are getting me nowhere. PLEASE help. Thank you!
Complaint sub-issue: Deposits and withdrawals

XXXX. Received a letter in the mail from Citibank on XX/XX/2018 indicating that we had to update our account information or our account would be blocked until they received documents requested. 
XXXX. On XX/XX/2018, I went to the online form, completed the requested forms, received a reference ID of # XXXX and uploaded the forms. ( Attached 1 ) 3. On XX/XX/18 I received a notice from Capital One Credit Card that our payment was returned from Citibank due to a Payment Account issue. ( Attached 2 ) 4. I called Citibank on Monday, XX/XX/2018, after returning from a business trip. I was told my account was blocked because we did not complete an Addendum E Form. We completed the Addendum E form and emailed to Citibank. ( Attached 3 ) 5. XX/XX/2018 - Another block was placed on our account as I found out via a phone call from concerned vendors. I called Citibank and was told that we needed to complete another form before they could unblock the account. I asked them to have a check issued to close the account as we will not be doing business with them going forward. 
They stated that they will issue a check and I can pick up the funds at my local branch tomorrow. 

Is it legal to block payments from this account without any notice?
Complaint sub-issue: Debt is not mine

At approximately XXXX on XXXX XXXX, 2016, an agent of FMS called me ( http : //www.fmsdc.com/ ). They said I was listed as a reference for a family member and needed my family member 's contact information. They said my family member gave them my contact information ( misrepresentation # 1 ). I asked if they were a collection agency and they refuse to confirm nor deny ( misrepresentation # 2 ). I asked to speak to a manager and I was told the manager 's name was XXXX XXXX. They gave me their mailing address which was different from their website address. According to the Fair Debt Collection Practices Act, FMS clearly had the intention to misrepresent to me they were an agency hiring my family member. When asked point blank if they were a collection agency they would not affirm. Their website is clearly a debt collection agency. This is not the first time the agency has called me requesting information. Additionaly, to note, I researched the company and the Former Governor of Maine, XXXX XXXX, has an interest in the parent company.
Complaint sub-issue: Fraudulent loan

This is a complaint against PNC BANK. I am a victim of identity theft, and you are reporting a personal loan, opened without my permission and without my authorization, under fraud. In this way they hagp delivery of all the documentation of identity thef
Complaint sub-issue: Information belongs to someone else

I had an account by the name XXXX XXXX removed off of my credit, I had created an FTC report and sent to equifax. Recently Equifax had REINSERTED the account after it was removed as fraudulent. I am now disputing the account as fraud again because it is! I never openend the account XXXX XXXX!
Complaint sub-issue: Account status incorrect

Great lakes student loans fraudulently took out loans in my name I was told they were grants and as long I passed my class I didn't repay anything the school has been shut down due to this happening to multiple ppl but they refuse to dismiss my loans I never took out. No other school even acknowledges their credits so they want me to give them free money for wasting my time at a fraudulent school no one in the country recognizes. I XXXX  XXXX and was just trying to further my abilities in life.
Complaint sub-issue: Their investigation did not fix an error on your report

In response to your response of complaint XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. I have explained in various written complaints via XXXX, CFPB, online disputes with your company and phone calls that these accounts are FRAUDENT. I have explained on several occasions that although my personal identity was stolen ( DL, SS card and birth certificate ) when I obtained replacements I was given the exact same information that was stolen with the same identifying factors, such as DL number, my SS number didnt change, etc. ). I have also explained that stolen was information was never recovered. I have previously provided your company with two identity theft police reports ( one in which named a suspect ), two notarized FTC identity theft reports, proof of address ( electricity bill ), copy of SS card and Drivers license, and despite legal and undisputable evidence of identity theft your company has failed to adhere to the FCRA 605 ( b ) blocking rule. 


Since XX/XX/XXXX I have made various attempt to rectify this situation with your agency. For the past two years, I have precisely followed the normal rules of a dispute as outlined by the FCRA with no prevail and as a result, I have found your company to be in violation of several FCRA rules particularly FCRA Section 609 ( A ) ( 1 ) ( a ). 
Recently I have sent your company a dispute on XX/XX/XXXX asking your company to block the above accounts as they are a result of identity theft and your response We initiated an investigation into the items and the results are below : We have researched the credit account.. The results are : We verified that this item belongs to you. 

I have reason to believe that you conducted an unreasonable investigation. 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 ) 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 the verifiable proof, you must remove the accounts listed above. This burden of proof is upon you, the CRA, in accordance to FCRA 609, therefore responding If you have additional questions about this item please contact the creditor is not only illegal in conjunction with the FCRA rule but redundant.
Complaint sub-issue: Sent card you never applied for

Received in the mail with correct name and address. It says, Welcome to XXXX XXXX by XXXX. XXXX FDIC XXXX Activate your card XXXX set up direct deposit XXXX get paid up to 2 days early Then it has a form to fill out asking for amount of my paycheck I want to deposit. It has my name already filled out, but no account number. Just asking for a signature. 
It also came with a seamingly nice card. With a chip enabled. It a XXXX with an expiration date. It does also have a card number and a security code, which is concerning. It says debit on the card. Also says MoneyLion. With a sticker and a number to call to activate. 
I don't want to contact them and give them more information.