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

Hi CFPB : I am a " client '' of XXXX XXXX XXXX XXXX XXXX XXXX, and in the five years I have been out of XXXX school, I have repaid roughly {$25000.00} on {$69000.00} worth of student loans through a consolidated loan held by Great Lakes. {$20000.00} of that was paid to interest, and just {$4000.00} to principal. According to their website, I still owe more than {$62000.00} a mere five years after graduating from my program. In other words, in just five years since finishing graduate school I have been charged my fixed 6.12 % interest rate to the tune of the down payment on a house, without touching the principal which is still generating a high monthly interest. The issue was that Great Lakes misadvised me about the type of repayment plan I should be on, and for five years I was paying below the minimum required to avoid accruing additional interest on a graduated repayment plan. I wrote to them and spoke by phone for years with people at Great Lakes who assured me that this was not the case, and could n't explain the discrepancy between what I had paid and what I had borrowed. Unfortunately and conveniently for Great Lakes, their website only displays payment history as follows : " Your payment history shows up to 12 months of transactions and only includes transactions since Great Lakes began servicing your loan. '' But they should have these records. I am currently paying {$900.00} a month to try to pay down this loan, which is why I 've managed to pay {$4000.00} toward the principal. Otherwise Great Lakes would have had me on a plan paying only interest for who knows how long? When I checked today what the minimum payment would be for their " graduated repayment plan '' it still said my payment would be $ XXXX/mo. This is less than the amount of interest that is generated on my loans, meaning I would be effectively underpaying an amount that would eventually lead to a pay off. Their graduated plan is a total scam, and I 'm sure I 'm not the only person who has fallen into this trap. I 'm just glad I realized it five years in rather than 10. That said, their mis-representation and mis-consultation of my case has cost me dearly -- and if I were to stay on the $ XXXX/month graduated plan their current calculator tells me it would cost over {$72000.00} in interest alone, meaning my total pay off amount would be roughly three times what my initial loan amount was for. Through multiple phone calls and emails, I never got a straight answer why my payments were not deducting from interest ( i.e. why the principal kept growing even though I was paying what they recommended I pay each month ). Great Lakes is not looking out for people like myself who took out federally subsidized student loans directly from the federal government and then got wrapped up into their money making schemes. I believe this should be the subject of a class action suit, and that many people like myself would stand to reap substantial reimbursements. Please feel free to be in touch if you agree. Thank you for your time and attention and your willingness to help.
Complaint sub-issue: Old information reappears or never goes away

I've removed this account before and it showed up again. I sent a dispute over a month ago and Equifax still confirmed it even though its not my account and they removed it before thanks.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have inquiries repeatedly reporting on my credit report from XXXX XXXX XX/XX/XXXXon my Equifax Credit file and I never authorized or applied for credit with that company.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Old information reappears or never goes away

All dates on accounts are almost showing present, no one can provide a contract with a ink signature showing I opened or have Any connection to the accounts and the ones are mine are from 2011 and prior far to old to be showing
Complaint sub-issue: Didn't receive advertised or promotional terms

Today, I applied for a Discover card which offered a rate between XXXX and XXXX depending on credit history. 

I was approved for the card, but the APR came in at XXXX!!! 

I have XXXX plus scores on all my bureaus, low DTI, 30 % credit usage or better, Credit history over 15 years. 

I questioned the Discover agent and she stated that rate came back according to all their credit factors!!
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX sent to collections {$680.00}, now XXXX XXXX  XXXX have appeared on credit report. There is no way I owe XXXX  as my policy was prepaid. They are trying to bill for services not rendered
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act : XXXX XXXX Account # XXXX XXXX - Account # XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX Collections - Account # XXXX XXXX XXXX XXXX - Account XXXX XXXX XXXX XXXX XXXX - Account XXXX XXXX and Account # XXXX XXXX XXXX Co - Account XXXX XXXX XXXX XXXX Associates - 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 an account without my written instructions
Complaint sub-issue: Information belongs to someone else

Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX ( Original Creditor : XXXX ) XXXX, what's even worst, the account is reported twice on my credit report
Complaint sub-issue: Information belongs to someone else

I was a victim of fraud and I am requesting a security freeze on my credit file. The following address are not accurate please delete : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX CT, XXXX, NY XXXX XXXX XXXX  XXXX, XXXX, NY XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, WV XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX Please delete the following cellphone numbers ( XXXX ) XXXX ( XXXX ) XXXX they are number mine.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a victim of identity theft because I have inaccurate personal information reporting to my credit report as well as unknown accounts and inquiries that report. I reached out to the credit bureau 's back on XXXX in regards to some fraudulent inquiries reporting on my credit report I took the time to file an identity theft affidavit with the FTC to reflect that this is a serious matter and as of today these fraudulent inquiries continues to report on my credit report.
Complaint sub-issue: Reporting company used your report improperly

My XXXX, Equifax and XXXX  credit reports were accessed on XX/XX/2021 as indicated by a hard credit inquiry by XXXX XXXX XXXX XXXX 

I did not initiate this inquiry nor did I apply for credit with this company or their affiliates. I sent a letter via XXXX to the address indicated on the XXXX/Equifax credit report indicating this fact and that they did not have a permissible purpose to access my credit report. The company has been non-responsive. 

The Fair Credit Reporting Act 616 provides for the following : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] " ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. '' My credit rating has been damaged as a result of their unauthorized credit inquiry ( s ) and I am prepared to seek litigation if this matter is not resolved immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I have tried to dispute accounts with XXXX, with these accounts. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I have not been successful in deleting it. XXXX not compliant with FCRA 605b.
Complaint sub-issue: Other problem getting your report or credit score

I'm trying to access Equifax. I've signed up to their web site. But system showed me an error about my account after some verification questions. Non of questions were related with me. I have accessed a person by phone to take help ( which was very difficult ) they told me to send some documents as an identification proof. I've sent them 3 weeks ago. Nothing has changed. Later, I've accessed by phone again. They told that they did not receive or they did not start evaluation about my documents. I've learned my Equifax credit reports from an app ( XXXX XXXX ). There are some hard inquiries and I will dispute them. When I start a dispute process on Equifax web site, it warns me that I have an account and I must login. But when I login, system tells to call a number to solve verification problem. Now I'm in a vicious cycle. And Equifax is doing the worst..
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent letters to the Equifax Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} WXXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX  XXXX XXXX Balance : {$180.00} XXXX XXXXXXXX XXXX Balance : {$58.00} XXXX XXXX Balance : {$0.00} XXXX XXXX NA Date of inquiry XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXD Date of inquiry XX/XX/XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

An apartment community called XXXX at XXXX XXXX in XXXX Texas sent me to collections without providing me a bill or notification of debt. I received no communication at all even though they have my email and phone number and I had left a forwarding address. The first that I heard of the debt was from a collections call. They are also attempting to charge me a XXXX dollar fee for not providing 60 days notice when I have written email proof that I most certainly did provide the notice and have an email of them confirming that 60 day notice.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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: Problem with personal statement of dispute

in the process of repairing my credit and this is my third attempt in trying to get the negative itema off my credit report sent letters even went threw cfpb and still no good results im trying not to use legal action to take these errors off just Erase the hard inquires please and thank you and i even sent letters of good faith to the credit card companys for my late payment since i been on time for the pass year and a half
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I checked my personal credit report, which, I acquired from your organization on XX/XX/XXXX and I have noticed unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround. I asked them to remove their credit inquiry from my credit profile and I have gotten nowhere and this is not right. 

By law, per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. 

If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 

XXXX Inquiry from XX/XX/XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX - Auto Finance Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX - Auto Finance Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from  XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX - Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX - Inquiry from XX/XX/XXXX XXXX - Direct Inquiry from XX/XX/XXXX If you find the inquiries referenced above to be valid through physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citibank is failed to show proof that they paid the merchant and because of nonpayment from Citibank the merchant canceled my subscription. And which Citibank is not giving any assistance on showing that they have paid the merchant. Which Ive already paid city bank and full for my part but city will not release or show any routing number that they did their part to pay the merchant.
Complaint sub-issue: Their investigation did not fix an error on your report

I am submitting this CFPB complaint as a response to the Credit Bureaus current evaluation. I have to pursue my efforts to resolve these matters which require intentness to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. 

At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - This only serves to highlight your poor record-keeping skills. Now that it is closed and the amount is nil, this item is reportedly 30 days past due. Let 's fix this right away. You must confirm this for yourself, however I will go ahead and point out that this account has been paid, closed, and is no longer operational. Its status should have shown " PAID. '' Unless you can show proof that you haven't violated my rights by reporting inaccurate information, delete it right away. 

XXXX XXXX XXXX XXXX XXXX : {$0.00} - The listing has a number of mistakes that are detrimental to me, including the balance, payment status, and last payment date. In my opinion, I was on time on the days you're mentioning. I never miss a payment because I always pay on time. If there are any legal updates needed, remove from my credit report.
Complaint sub-issue: Having problems with customer service

Submitted a signed/completed application to the total and permanent XXXX unit dated XX/XX/XXXX. On, XX/XX/XXXX, Nelnet the servicer under contract by the U.S. Department of Education to assist with the processing of the above mentioned program, sent a letter acknowledging the application, the letter states the review process can take up to 30 days. My initial review process actually took almost 60 days ( after many phone calls ), a letter from Nelnet dated XX/XX/XXXX advised that they want the Physician to update section 4, question 2. The medical doctor updated this information and faxed the correction with the words " XXXX '' along with her initials. This was faxed to Nelnet on XX/XX/XXXX and on XX/XX/XXXX, Nelnet acknowledged receiving this information. Now, two weeks later the application continues to claim " under review ''. Calls to the Nelnet service center at XXXX on XX/XX/XXXX, Sue advised that it only should take a few weeks. The call on XX/XX/XXXX, to Nelnet, XXXX advised that no set time exists, the processing has no time frame whatsoever. Nelnet needs to issue some continuity with customer service representatives, so that callers do not receive conflicting information.
Complaint sub-issue: Credit card company won't work with you while you're going through financial hardship

I opened a Best Buy Visa Credit Card in XX/XX/2016. Unfortunately, I had been experiencing some kind of hardship recently at work, since I am getting my hours cut. I usually have been responsible on the payments and I tried to reach an agreement with the credit card servicer, and they refused to get me an additional one week extra to make the usual payment. They instead told me I will be charged a late fee in addition to the minimum payment I owed them. Best Buy Visa 's servicer ( Citibank ) had been the worst people to deal with, ever, as this is not the first time I can't reach an agreement with them and their attitude had been the worst as a matter of fact. I am trying to work things out in good faith but they always look for any kind of ways to win and ruin my credit.
Complaint sub-issue: Card opened as result of identity theft or fraud

Hi, I noticed today I have a credit card account on my credit report belonging to Elan Financial Services stating it was opened in 2014 on XX/XX/XXXX. At this date I was 14 years old and can say with confidence I did not sign up for this. My credit report notes payments have always been on time for this report and XXXX says the balance is just short of {$10000.00}. I have not known about this credit and have not used any of it, or payed any of these payments. I am trying to get to the bottom of what is a fraudulent line of credit in my name. Thank you for the help. XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 
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