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

To Date there have been no response for my request for an audit with FedLoan Servicing. Your form clearly states to mark " STILL EMPLOYED '' box, which indicates XXXX XXXX, XXXX XXXX, XXXX ( date signed ) that I am still employed with the XXXX FL XXXX. No Public Service Loan Forgiveness ( PSLF ) credits were issued XXXX XXXX, XXXX - XXXX XXXX, XXXX ( date document signed ). Clearly that is more than the XXXX Credits FedLoan reports. 
2. FedLoan is falsely reporting I was in forbearance for times when payments were made. I would not make payments during forbearance ( i.e. that is what forbearance requests is for ... inability to make payments ). 
3. FedLoan Servicing intentionally mislead me by offering to consolidate my other XXXX loans into Direct Loans so that the Public Service Loan Forgiveness payments for those loans will apply since they will also be converted under a Direct Loan. Then, FedLoan Servicing enrolled me on " graduated payments '' fully knowing this plan will not make any payment eligible for the Public Service Loan Forgiveness program. 
4. Not explaining the information unless asked directly leaves the consumer to " have to '' be able to ask the right questions - which we obviously do n't know, in order to receive assistance - this is misleading and deceptive. 
5. I learned today that a 2.5 % reduction in interest rate is also available to me by paying via direct debit ( my payments are ACH 'd every month via WebPay at XXXX XXXX XXXX XXXX ). This was neither offered nor advised upon several of my phone calls and faxed correspondence with FedLoan Servicing.
Complaint sub-issue: Other problem getting your report or credit score

Equifax is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. Equifax has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see Please see enclosed documents ACCOUNTS XXXX XXXX XXXX never late XXXX XXXX XXXX never late INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/17 I received a hard inquiry on my personal credit score from First Bank in Colorado. It might have been from me simple asking if I am eligible for a credit increase but my phone disconnected shortly after so I decided to forget about it. My only credit card with first bank has always been {$500.00} from the beginning since I wasn't able to proceed to ask for credit increase.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

This Account Should Not be on My Credit I have health Insurance if i needed to go to the hospital I did not Authorize this Account This is fraud someone is using my personal Information which is wrong and something needs to be done about this
Complaint sub-issue: Personal information incorrect

I contacted Equifax to remove addresses off my credit report. They responded with a letter that said such addresses would be removed. But when I checked my credit report they are still listed on there.
Complaint sub-issue: Information belongs to someone else

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission. Please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3200.00} ; 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 XXXX XXXX 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: Problem with customer service

I got student loan from MOHELA. Because of the XXXX XXXX XXXX XXXX XXXX so I want to contact them to ask about my previous payments. I tried to call them over XXXX times. Everytime I called, the automatic voicemail always said the estimated wait time is XXXX mins and I never get any answer from them even after that long waiting time. They don't have any email to contact. I submited a complain on their website few weeks ago, but nothing happen.
Complaint sub-issue: Problem using the card to withdraw money from an ATM

I added {$100.00} to my credit karma spend account on the XXXX of XXXX. It was withdrawn from my checking bank account on the XXXX of XXXX. It was available to withdrawal from credit Karma on the XXXX of XXXX. I have yet been able to access the money at all. I have spoke to them several times and they keep telling me the account is under review and can't transfer me to the department that is doing the actual review and can't give me anymore I formation. Other than telling me someone will email me. I have not received one email from the review department.
Complaint sub-issue: Transaction was not authorized

I recently learned of some transactions that occurred during XXXX and XXXX on my checking account with US Bank that I did not take part in. There were purchases at XXXX XXXX and XXXX, neither of which I actually visit nor shop at personally. I did not notice these transactions until early XXXX for a few reasons : 1 ) Notifications via text for any purchase always seem to get disabled by US Bank and are never reliable. Every time I turn on text alerts they somehow turn off in a week or two.

2 ) I did not regularly check my account balance as I had a second job during the holiday season and wasn't considering the fact that I may have trouble with low funds or unauthorized purchases 3 ) I made a large number of purchases during this time for XXXX and didn't notice these whenever I did take the time to quickly peruse the US Bank app I filed a fraud complaint with my bank and they made no effort to contact me ; it was only after calling in after 15 days ( when I was told I would have provisional credit within 10 ), that I was told it was closed and the only details were 'invalid facts ' because debit cards with chip readers can not be counterfeited, and these were PIN-based transactions, or similar wording. I received nothing in the mail or no communication otherwise. 

I did not make these purchases, however, the person most likely responsible is the one and only person who had actual physical access and use of my card, which was my partner at the time. We lived together, shared expenses, shared bank and credit cards with each other when the other needed help, etc. We trusted each other obviously because we had been in a relationship for several years. This is the only person who could have done this, and while I believe she had to have, I am also not willing to ruin this person 's life by providing her name and contact information because despite no longer being together for unrelated reasons, I don't want to bring this kind of situation down on someone I spent part of my life with, even though she has to be the responsible party. 

I have been with US Bank for ~16 years and they have always been helpful with any and all of my issues until now, but it only takes this one situation to make me want to leave unfortunately.

It's ~ {$300.00} that added up over 7 purchases between XXXX and end of the year. Details below. 

XX/XX/XXXX - XXXX XXXX - {$34.00} XX/XX/XXXX XXXX XXXX 'XXXX  - {$110.00} XX/XX/XXXX XXXX XXXX 'XXXX  - {$55.00} XX/XX/XXXX - XXXX XXXX  - {$18.00} XX/XX/XXXX - XXXX XXXX  XXXX {$40.00} XX/XX/XXXX - XXXX XXXX XXXX {$69.00} XX/XX/XXXX - XXXX XXXX  - {$4.00}
Complaint sub-issue: Information belongs to someone else

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. 

DEPTEDXXXX  XXXX {$4500.00} XXXX XXXX XXXX {$0.00} DEPTXXXX XXXX {$1100.00} XXXX  XXXX XXXX {$420.00} XXXX XXXX XXXX   XXXX {$430.00} XXXX XXXX XXXX {$550.00} DEPTXXXX    XXXX {$3500.00} XXXX  XXXX {$9500.00} XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXXXXXX {$1300.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$63.00} XXXX XXXX   XXXX {$300.00} XXXX   XXXX {$440.00} XXXX XXXX {$4500.00} XXXX  XXXX {$6000.00}
Complaint sub-issue: Problem getting a working replacement card

I have spoken to many agents and supervisors and because public records says that my phone number does not belong to me nothing I was told is happening. On XX/XX/XXXX I was approved for a credit card. I was told it would be here in two weeks. On XX/XX/XXXX it is still not here. I called to find out what is going on. I was told that it was mailed on XX/XX/XXXX. That is four days after I was approved. A supervisor offered me a second card but because public records state that my phone number is not mine they will not send it. Public records does not keep up with every little change that happens. I do n't even have my card yet and already I am thinking about closing the account. I is stupid that you use a system to verify someone that is not up to date. I should not have to suffer due to something that is not my fault. Information that is put on an application is what should be verified not public records. I do n't even have my account number to do anything with.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a natural person, I am a living human being. I have rights under 15 usc 1681.

Equifax is govern by 15 usc 1681 and they violated my rights numerous of times. I demanded the account listed below be romper because According to 15 usc 1681 I have the right to privacy and I did not give equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

XXXX XXXX, XXXX To Whom it May Concern : I am disputing the XXXXen ( 10 ) Federal Tax Liens on my Credit Report. As of today, Equifax has not removed the Federal Tax Liens from my Credit Report as cited by the National Consumer Assistance Plan ( NCAP ) Rule of XXXX, XXXX, which states, in part, the credit reporting agency will remove any Public Record, Judgments, and Liens that do not have all the required information. Therefore, Tax Liens that do not have the FULL Social Security Number ( SSN ) or Date of Birth ( DOB ) are cause for being removed from the Credit Reporting Agencies ' database. My ten ( 10 ) attached Notice of Federal Tax Liens display a PARTIALLY REDACTED Social Security Number ( SSN ) and there is no Date of Birth ( DOB ). Based on the NCAP Rules that became effective XXXX XXXX, XXXX, I am disputing the Federal Tax Liens on my Equifax Credit Report and I request they be removed according. Thank you very much, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Reason : I am disputing account XXXX XXXX account number XXXX in the amount of {$10000.00}. I reported this account before and the company states they haven't received any information from me. Well on XX/XX/XXXX XXXX XXXX received all the information I sent over to XXXX, Equifax, and XXXX via USPS. It contained the correct ID, and a copy of my police report. XXXX are saying they haven't received anything from me but continue to verify this account as mine when I have sent over the correct information numerous of times stating this is identity theft. XXXX has received my information through each bureau and are still saying this is a valid account and failing to update my credit report by deleting this Account. THIS IS A VIOLATION of the FTC. Also they have failed to provide me via usps mail or certified mail with the verification of this account. I have only received information via email from XXXX XXXX with a copy of the ID used to obtain this fraudulent account ( which is not mine ). Prior my last complaint, I emailed XXXX XXXX my correct ID along with the fraudulent one I received from XXXX XXXX. She only followed up saying " Ms. XXXX also sent this email to me yesterday as a follow-up to our response to the CFPB. Thanks!! '' I have called her at the number provided ( XXXX ) But it goes straight to her voicemail. I have to receive anything via mail from this company. I have sent them over everything possible proving this account fraudulent. This company has violated so many times as to not properly handling the dispute process and, reporting inaccurate/falsely information to ones credit report and reporting a charged off account every month as late delinquent just to name a few. The company blocked the account before on XX/XX/XXXX. Then the company rescinded the block on XX/XX/XXXX. I didn't receive a letter or anything stating the reason for the company putting the account back on my credit report but prior to me sending in my ID theft affidavit and ID back in XX/XX/XXXX, the company had all the correct information to delete the account from my credit report.
Complaint sub-issue: Account status incorrect

My student loans were in default status due to intermittent unemployment and persistent underemployment. Therefore, I entered into the Loan Rehabilitation Program with XXXX XXXX XXXX on XX/XX/XXXX. The Repayment Agreement was signed and submitted via email on Friday, XX/XX/XXXX and Thursday, XX/XX/XXXX. The Repayment Agreement states that I was supposed to make at least nine ( 9 ) monthly payments of {$5.00} each month. I have made and XXXX XXXX XXXX XXXX XXXX has processed ten ( 10 ) payments, which was more than agreed. However, XXXX XXXX XXXX XXXX XXXX has neglected to provide this accurate information to all three credit bureaus. I have complied with all requirements regarding timely paperwork and payment submissions. However, the incorrect repayment reporting to all three credit bureaus continues to adversely affect not only my credit score, but also my attempt to secure credit. 

I have submitted all requested payments before or within the payment timeframe. The following payments, in the amount of {$5.00} each, have been submitted to date : No. Payment Date Payment Type Comment 1 XX/XX/XXXX Payment Card Submitted on XXXX website 2 XX/XX/XXXX Payment Card Submitted on XXXX website 3 XX/XX/XXXX Money Order # XXXX 4 XX/XX/XXXX Money Order # XXXX 5 XX/XX/XXXX Money Order # XXXX 6 XX/XX/XXXX Money Order # XXXX 7 XX/XX/XXXX Money Order # XXXX 8 XX/XX/XXXX Money Order # XXXX 9 XX/XX/XXXX Money Order # XXXX 10 XX/XX/XXXX Money Order # XXXX
Complaint sub-issue: Reporting company used your report improperly

INQUIRY AND DATES XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information.
Complaint sub-issue: Their investigation did not fix an error on your report

Issue revolves around Equifax refusing to remove a disputed account which originated with  XXXX  in   XXXX  . It has been reported by numerous collection agencies in the years since and has always been disputed, every time, and removed from every CRA because the debt was not valid. Suddenly, even though previously removed by Equifax, Equifax now claims that the debt is valid and claims to have " validated '' the debt twice, even though it has been disputed and ruled to be invalid by all three CRA 's for the pas t five years.
Complaint sub-issue: Reporting company used your report improperly

Hello, I am extremely upset regarding the recent Equifax security breach which has exposed the private information of over 143 million consumers to potential fraud.
The credit reporting agencies need to be regulated and monitored. They need to be held accountable to both the Government as well as to each individual whose data they failed to protect ; especially when the breach was caused by GROSS NEGLIGENCE on the part of the credit reporting agency.
I read an article just a few minutes ago which stated that this all could have been avoided had Equifax applied a software patch that was released back in XX/XX/XXXX. This is INEXCUSABLE and they should be made to pay dearly for their severe error in judgment and failure to protect the private information of so many people. I 'm not talking about a lousy year of " free '' credit monitoring - that should be provided for LIFE to all involved, not just for a year.
I was also quite unnerved by their apparent " magnanimous '' effort to soothe the public by saying that they would not charge for applying or removing credit freezes - FOR 30 DAYS! What nerve! They allow our data to be stolen and try to make us feel like they 're doing us a favor by not charging us to protect ourselves from a situation that THEY caused! Consumers should incur NO FEES whatsoever in instances like this.
I ask that you take whatever action necessary to see that this kind of thing never happens again and that if it does, the company involved will feel GREAT PAIN for their irresponsibility.
Thank you,
Complaint sub-issue: Reporting company used your report improperly

I was one of the 150,000,000 people affected by the Equifax hack and have to say I am absolutely livid that my information was not handled with the utmost discretion. Whoever decided it would be a good idea to skimp on cyber security deserves AT THE VERY LEAST to lose their job and be blacklisted from the industry for the rest of their life. Prison would be preferable. I want to see heads roll.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts*** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

when I went to the car dealership I applied for a loan with XXXX when I checked my credit I have like 10 inquiries
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, my name is XXXX XXXX, and I need your help in contacting this company. I tried to contact them to find out why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. I do not authorize anyone to use my name, date of birth, or any other information as it violates Data Privacy. They need to identify out who opened the account in my name and simply transfer the information to that person. Please assist me in resolving this.
Complaint sub-issue: Account information incorrect

XX/XX/2019 I have made three attempts to have the incorrect information on my Equifax and other credit reports corrected made by XXXX XXXX XXXX and the credit bureaus and have also filed complaints with your office and the IL Attorney General. I closed this line of credit with XXXX XXXX XXXX over a month ago when I also closed my checking and savings accounts and at that time I also requested they report all as closed per my request to all of the credit bureaus and they have not!!!! 

They are still showing the account open with a balance of {$500.00} and are not showing all payments were made as agreed and timely either!!! I want all payments shown as made on time, balance as XXXX and account closed and noted closed at my request now!!!! 

I also want them to update the same with all of the credit bureaus and I want a free and corrected copy of my credit reports from all three credit reporting agencies mailed to your office and myself within a week of them receiving this complaint!!! This is the 3rd time I have requested this information be corrected and it has been months and still is not, they are breaking the FCRA laws along with many others and need to be fined and shut down!!! 

I have also forwarded this information on to the IL Attorney General and my attorney for review as this misinformation has caused me great harm to my reputation. I am a XXXX employee!!! If they are too incompetent to do their job, they need to be shut down!!!!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax have " XXXX , XXXX '' that done inquiry. I want to see the application signed by me which should be on file. I want Name of person and their phone number of person you talk to verify credit inquiry. If you not have poof, I want this inquiry deleted.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Unknown merchant charged my XXXX card. I called XXXX twice and sent form once to XXXX about this. XXXX can not identify merchant. On first call they gave name and phone of a merchant but merchant did not recognize this charge ( and they are out of my state ( I am in Illinois, merchant called in Arizona ). 
Second call to XXXX - gave another merchant name but XXXX claimed they have no phone number of merchant. I wrote merchant but no response. 
I expect that XXXX should have full correct name, address and contact phone for all USA merchants. 

XXXX refuses to resolve dispute or credit my account unless they cancel the card and reissue. I do not want this due to many valid merchants have authority to charge existing account. I expect XXXX should resolve and contact merchant which they refused.