Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Trouble with how payments are being handled

at XXXX. on XX/XX/XXXX I had a major concern about my student loan through MyFedLoan. What raised an issue was when I checked my credit score and there was a HUGE drop and explained to me that my student loan was the cause of it due to a possible pass payment. So that's when I looked online on MyFedLoan and seen where I had a message about my IDR plan that I had already submitted when they sent out a notification stating I needed to resubmit the application. The letter I had received from them stated " We recalculated your monthly payment for your Income-Contingent Repayment ( ICR ) plan. We used your income documentation and family size to  determine your monthly payment of {$300.00} which is first due on XX/XX/XXXX. '' Now I assumed since I didn't receive anything about my IDR plan that nothing changed so I continued to pay my payment like I been doing. So to get things cleared up I called the toll free number. A lady that was super unhelpful basically told me the reason for the balance I had to pay for the {$300.00} was because I basically never resubmitted my IDR plan ( which I did I even have proof ) So she said that I needed to pay that for my IDR plan to basically get it back ( like a downpayment ) Then she as well stated that I didn't have to pay on my loans until XX/XX/XXXX XXXX possible graduation date ) due to the fact that I am back in school and my loans when into deferment ; however! I've been back in school since XXXX! I have no clue why it took them so long to process that and as well said when my loans go into deferment that they will have a huge impact on my credit score. So I still have questions about my IDR plan that I've summited before the due date, and she just keeps on telling me that I don't have to worry about any payments sine I am in deferment and KEPT on trying to explain to me what deferment meant, which already knew but she just wasn't answering anything I had an issue for. So I told her well I would like to still pay for my loans even though I am in school still that's when she sent me an email for the IDR plan to apply for which I ALREADY DID! The payment they wanted me to pay was not in my budget and I am honestly still confused and lost over the letter they had sent me about the repayment plan, plus I don't understand if my load was already in deferment then why did they send that out to me? I just have so many unanswered questions I felt like we were just going in circles with asking her things. Student loans already can be tricky and they don't make it any better
Complaint sub-issue: Public record information inaccurate

On XX/XX/XXXX, ProCollect added a derogatory mark on my background search for public records as an eviction. Upon further research, this account has been taken care of under my bankruptcy that was filed and discharge XX/XX/XXXX and I am no longer responsible for this account. I have been trying to resolve this matter since XXXX of XXXX and I have yet to receive a reply from ProCollect. This matter has caused hardship in obtaining an apartment or rental house for my family. Also, there is NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt. Im requesting legal action to remove this account as a judgement immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Dear Sir/Madam, I recently received a copy of my XXXX and Equifax credit reports and I notice there is an unauthorized and unrecognized credit inquiry made by XXXX and Equifax creditors. As far as i knew I do not recall authorizing this credit inquiry and I understand they shouldn't be allowed to put an inquiry on my file unless I have authorized it.

If they find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.

If they find that I am in error, then send me proof of this. I think i got victom of their inquiries issues.

Here 's the list of the inquires : 1- ( XXXX  report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX 2- ( XXXX  report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX 3- ( XXXX report ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 4- ( XXXX  report ) XXXX Inquired on XX/XX/XXXX5- ( equifax report ) XXXX XXXX Inquired onXX/XX/XXXX 6- ( equifax report ) XXXX XXXX XXXX Inquired onXX/XX/XXXX 7- ( equifax report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX8- ( equifax report ) XXXX XXXX Inquired onXX/XX/XXXX 9- ( equifax report ) XXXX XXXX Inquired onXX/XX/XXXX 10- ( equifax report ) XXXX XXXX Inquired on XX/XX/XXXX 11- ( equifax report ) XXXX Inquired on XX/XX/XXXX
Complaint sub-issue: Investigation took more than 30 days

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so.Please investigate my disputes, please.Thank you
Complaint sub-issue: Received bad information about my loan

Please see the below exchange with Fedloan Servicing. I 'm not complaining about their service, in particular, but rather the fact that previous servicers have apparently still not provided them a payment history that they can use to calculate the PSLF qualifying payments. Also, the previous servicers did employ shoddy practices, like delaying IBR verification for months, that ultimately cost me thousands of dollars in accrued interest that has now been added to principle. This industry needs to be cleaned up. 
Thanks Thank you for contacting FedLoan Servicing! 

Our records indicate that your Income-Driven Repayment plan began effective XXXX XXXX, XXXX. 

We presently have your employment certified from XXXX XXXX, XXXX until XXXX XXXX, XXXX for employer XXXX. Based on this period, you have made 0/120 qualifying payments towards your Public Service Loan Forgiveness ( PSLF ). Payments made beyond this period may qualify for PSLF as long as we have approved Employment Certification Form ( ECF ) on file covering the employment period for the time frame of the payment while in repayment on a qualifying repayment plan. We also recommend recertifying your employment annually. 

We recommend that you use the " Contact Us '' links on our website, MyFedLoan.org, to submit inquiries via a secure email form. Please use your email address on file when completing this form. You may also call us toll-free at ( XXXX ) XXXX to reach our Customer Service Department, which is open Monday through Friday from XXXX XXXX until XXXX XXXX ( ET ). 

Sincerely, XXXX FedLoan Servicing -- - Original Message -- - On XXXX XXXX, XXXX at XXXX XXXX, XXXXXXXXXXXX wrote : First Name : XXXX Last Name : XXXX Message : I 'm following up on an inquiry I made several months ago. I sent you Public Service Loan Forgiveness paperwork last year. Do you have an accounting of credited payments yet? 

XXXX This message contains privileged and confidential information intended for the above addressees only. If you receive this message in error please delete or destroy this message and/or attachments. 

The sender of this message will fully cooperate in the civil and criminal prosecution of any individual engaging in the unauthorized use of this message. 

Code : PHEAA XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX ( 8 minutes ago ) to accountinfo Thanks. I believe you 've introduced an obvious typographical error into your database. I can not have employment from XXXX XXXX, XXXX until XXXX XXXX, XXXX '. That should read XXXX XXXX, XXXX until XXXX XXXX, XXXX '. Notably, also, I have been making income-based payments to previous servicers ( XXXX and XXXX, I believe ) since XXXX. Do you not have that payment information yet?
Complaint sub-issue: Debt is not mine

To Whom It May Concern : I am writing this letter in response to the phone calls received at my work on ( XXXX/XXXX/16 ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Complaint sub-issue: Account status

I have sent correspondence to you to support this info. 
Based upon information received indicating a high probability of success, I applied for a credit card with XXXX. I was declined based upon information provided by Equifax even though I subscribe to Equifax monitoring service. My monitoring service indicated that my score is " good '' at all XXXX credit services. The score at Equifax was a XXXX ( XXXX score was a XXXX ). When I got my rejection letter from XXXX, it indicated that Equifax reported a XXXX. 
Either Equifax provided bad information to XXXX or to me- which if that is the case - why am I spending {$19.00} a month for inaccurate information- that is fraudulent. 
I am planning on traveling out of the country next month and did not want to incur foreign transaction fees- this error on their part will cause me financial harm. 
Note, I am not at a computer that will allow me to upload information, but will if requested.
Complaint sub-issue: Investigation took more than 30 days

My personal information has been obtained and misused for a number of fraudulent activities. This has severely impacted my credit and it sucks. Someone has been using my identity and now i am the one stuck with the debt and negative items reporting. I am submitting this complaint in seek of assistance in removing these accounts and getting another start at actually building my own credit myself. I am also submitting identity documentation to clarify that it is me sending in this complaint. Along with those documents i am adding a pdf report from the identity theft website. The report number is # XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

The REFUSE to provide proof that several accounts on my credit belong to me, by law theyre supposed to have that information in order to put it on my credit report, so if thats the case then it shouldnt be a problem to let me see that information. I am currently on my 3rd round of disputing and they have said that they were able to verify it but will not tell me or show me how.
Complaint sub-issue: Public record information inaccurate

I am disturbed that you continue to list the dismissed bankruptcy as confirmed. 
Us Bkpt Ct Bal XXXX Bankruptcy Filed XXXX This is old and have to removed as soon as possible. 

Although it is your policy to keep reporting bankruptcies which are filed or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. 

The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report and please send me a updated copy when it is completed. Considering that this does not require an investigation, I would appreciate your response within 2 weeks from the date you receive this letter.
Complaint sub-issue: Reporting company used your report improperly

Equifax reporting of hard inquiries on my credit. Equifax wont tell me who is asking about my credit. It has been reported that Equifax has had a security breach. I am concerned. I have notified them that I have had no application for credit to anyone in the past 6 months. They try to verify who I am by asking questions from many years past that I can not answer. The customer service employees seem to be in a foreign country and do not speak understandable English. What to do now? I have spent many years getting my credit back inline from the XX/XX/2008 disaster only to be subject to fraudulent practices.
Complaint sub-issue: Unable to open an account

I received an offer from my Citi AAdvantage card to earn XXXX bonus miles by opening a savings account with Citibank and depositing at least {$10000.00} ( other requirements regarding keeping the money for 60 days, etc ). I am unable to open the savings account online or with a personal banker. Apparently, my card is linked to an account I closed a long time ago and that is causing the issue. 

I have called customer service multiple times on both the credit card side and on the banking side ( however, I didnt take notes until recently ). Both departments say that my banking account has been unlinked but the problem continues. On XX/XX/22 I spoke to a XXXX who was great ( worked on it a long time and called me back ) but was unable to fix. Then I spoke to XXXX # XXXX on the credit card side who was obviously frustrated with me. Then I spoke to XXXX ( a supervisor ) and admittedly raised my voice but I was not cursing or being rude and he transferred me without telling to the technical department. That woman said she would send me a new link for the offer which was not done. She also transferred me without telling me to a personal banker. 

On XX/XX/22 I called technical support again and a woman immediately transferred me to banking. I called again and a nice man, XXXX, tried to help me but again he had to refer me to the banking department. XXXX picked up the phone there and transferred me. I first got one female personal banker who was unable to find my offer so she transferred me to another personal banker. This one, XXXX, know exactly what I was talking about she had seen this before but she didnt have a solution. Supposedly she will email someone to send me a new offer link but I have not idea if that will even work. So here I am.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted XXXX XXXX. I told them they have erroneous information on my credit report. I said my balance should be no more than {$150.00} on my XXXX XXXX XXXX account ending in XXXX regarding XXXX XXXX, XXXX. Here is the information I told XXXX XXXX that I gave XXXX XXXX. 
I received a letter from XXXX XXXX about a XXXX XXXX account opened by XXXX XXXX, a XXXX, where he overcharged me for services I did not receive. I talked to XXXX, a Manager, at XXXX XXXX on XX/XX/XXXX that I did not receive the XXXX  XXXX treatment XXXX XXXX is showing on the ledger. In addition, XXXX XXXX said I would be pay for one treatment and get the next one free. I had asked XXXX XXXX for a copy of the billing for each of my six visits and to show what he is billing Medicare. He never sent me the information I requested. I stopped going there because I feel this is fraudulent activity perpetrated against me, a senior. I went over the amount I was disputing with XXXX from XXXX XXXX which is {$1200.00} which leaves me with a balance of approximately {$150.00}. I paid XXXX about {$60.00} on this account this month. XXXX never went over the information in the letter they sent to me prior to sending it. I could have told them at that point what I was still disputing. They should communicate properly with their customers, especially seniors, when they are being taken advantage of. XXXX has all this negative information reflected on my credit reports. I need this resolved right away.
Complaint sub-issue: Account information incorrect

My student loan was deferred from XX/XX/XXXX to XX/XX/XXXX. However when I reviewed my credit report I noticed that my student loan was marked late every month from XX/XX/XXXX to XX/XX/XXXX ( for a total of 11 late payments that appear on all of my credit reports, with all three bureaus. The purpose of deferring a student loan is to protect borrowers credit rating until we are able to pay.
Complaint sub-issue: Reporting company used your report improperly

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C 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 in connection with the collection of any debt. 


XXXX Name : XXXX, XXXX, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax Addresses XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collecons : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account opened as a result of fraud

I did not request to open a checking acct ( acct # : XXXX ) with Citybank, nor an ATM card ( XXXX XXXX XXXX XXXX ). I have contacted City Bank since early XXXX to report this fraudulent account by phone, mail, etc. and followed up with City Bank a few times but never received any response from them. On XX/XX/XXXX, I just received another bank statement from City Bank and it seems that they still keep this illegal account under my identity. I need to know when and who opened the checking acct under my name, and why no one from Citybank ever contacted me and verified with me. 
I requested Citybank immediately cancel this fraud acct and ATM card. I want to let you know that I wont use your checking account service as I dont have a plan to do so. Please have an investigation to see who and how this happened and make sure it wont happen again that unauthorized request or activities to my Citybank account.
Complaint sub-issue: Debt was paid

I have disputed with consumer reporting agencies back in XX/XX/2022 and sezzle verified this debt as accurate, despite proof. 
They continue to report a balance of {$150.00} when this has been paid of. 
I have written to sezzle with no resolution. 
Sezzle is reporting a balance owed when this account was sold to XXXX XXXX who collected the balance. I have submitted proof to sezzle in writing showing proof that this debt was paid in full. Sezzle has continued to blatantly disregard FCRA Laws by reporting inaccurate information even though they are aware and were given proof. Under the FCRA as a furnisher of information, they are responsible for the completeness and accuracy of the information that they're reporting. This is the " SECOND REQUEST '' with the CFPB as Sezzle has not responded to the first complaint in XXXX. I have disputed the inaccurate information with XXXX, XXXX, and XXXX and they have continued to repeatedly verify the erroneous information. They are in violation of FCRA, 15 U.S.C. 1681s-2.

Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Complaint sub-issue: Account status incorrect

Request : Please delete the 90 day late payment off Credit report with all three credit breaus Account Name : XXXX XXXX Social Security # XXXX Old property address : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX  Account Number : XXXX ( 90 day late payment ) XX/XX/XXXX To Whom It May Concern : Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a 90 day late payment reported on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my XXXX XXXX XXXX XXXX account. 

I want you to know that I understand my financial obligations, and if it werent for my property taxes increase to make our equity amount increase, which I was not aware of until I received my invoice with a {$400.00} a month increase. Id have an excellent repayment record. I made a mistake in falling behind, but since then I set up a payment arrangement, paid the payment arrangement off in full before the scheduled payment arrangement time, and also paid my mortgage off in full with a {$0.00} balance. Since then, Ive had a spotless record of on-time payments. 

Im planning to apply for a new mortgage loan with XXXX XXXX, and its come to my attention that the 90 day missed payment on my record is hurting my ability to qualify. I have tried disputing this information directly wit XXXX XXXX  but was informed they denied my request due to the reporting information reporting was accurate. Well I do understand, but I have never been late on my Mortgage with XXXX XXXX before the Invoice of my {$400.00} monthly increase due to a increase in property taxes that I was never aware of. 

I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the 90 day late payment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
If you could please fix this ASAP, i am trying to re-apply for the new VA loan within the next two weeks, and this is effecting my approval with XXXX XXXX. I am asking you to please, please help me with this situation. 

Thank you for your consideration, and I hope youll approve my request. I can be reached at XXXX. 

Best, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I received a message that my information may have been compromised. This is unacceptable and Equifax should have placed proper security measures to prevent this. I now have to freeze accounts, and live in paranoia.