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

In XX/XX/XXXX, I submitted my Income Driven Repayment ( IDR ) renewal application with supporting documentation to Great Lakes. I received an email stating that it was received and would be processed within 20 days, or before the XX/XX/XXXX deadline. My loan was then transferred to myfedloans because I am eligible for public service loan forgiveness. Great Lakes did not process my application prior to transferring the loans. The deadline lapsed and I received notice on XX/XX/XXXX, that I would have to reapply for my IDR renewal. However, since the original deadline lapsed, the interest on my loan will now capitalize. 

This is the second year in a row that Great Lakes did not process my paperwork on time even though I sent in the information early. In XX/XX/XXXX, Great Lakes allowed the deadline to lapse without processing my paperwork even though I sent it in on time.
Complaint sub-issue: Information belongs to someone else

On 7 separate dates ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), I have disputed the erroneous Carmax tradeline on my XXXX and XXXX report to no avail. Even though XXXX successfully removed the erroneous tradeline after 1 request, XXXX  and XXXX have failed to do so. I have sent several requests to XXXX and XXXX  requesting a description of the method that they used to verify that the debt belongs to me. After more than 90 days, they still have failed to do so even though they claim to have verified that debt on more than 4 different occasions. My rights are being violated.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I had XXXX charges made on XX/XX/XXXX while traveling, using my Citi card. Citi considered these potentially fraudulent and flagged them. I did not realize until finishing my trip that they did so. They issued credits for the charges of {$29.00}, {$29.00}, {$31.00}. 

To then access my XXXX  app, I had to re-pay the charges on XX/XX/XXXX since the original transactions hadnt gone through and XXXX restricted my access for incomplete payments/transactions. 

Citi subsequently reversed the credits after finding they were valid charges made on XX/XX/XXXX. So, I have effectively paid twice, XX/XX/XXXX and XX/XX/XXXX. I have opened a dispute multiple times with Citi about this. They keep finding against me despite now paying twice for the charges. Their customer service reps seemingly understand these identical amounts are being charged twicebut never find in my favor.
Complaint sub-issue: Account status incorrect

I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''.

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future.

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I booked two round trip tickets for XXXX XXXX, my wife, and myself on XXXX XXXX, XXXX to XXXX w return. Although we live in XXXX our Grandchildren are in XXXX so we decided to spend time with them before and after the trip. This trip was to celebrate XXXX 's XXXX birthday. 

In XXXX of XXXX I saw that our flights were removed from the XXXX XXXX schedule and that they were going bankrupt. I filed a dispute for both tickets with my Citibank Mastercard. 

In XX/XX/XXXX I received formal flight cancellation notices from XXXX XXXX for both round trip itineraries. Email, telephone and online attempts to recover the money still owed to me by XXXX were useless. 

In XX/XX/XXXX one round trip ticket was credited to my account. I tried to file again on line but the " Dispute A Charge '' button was greyed out for these 4 transactions. 

In XX/XX/XXXX I mailed CitiBank all the documents I had requesting a refund for the other flight. 

In XX/XX/XXXX they refunded XXXX for one flight but not the XXXX for the other remaining flight. 

In XX/XX/XXXX I made another attempt to remedy the situation with Citibank and XXXX XXXX. Although I filed in a timely manner, their response was that too much time had passed. 

XXXX XXXX XXXX Page 1 shows the 4 charges to XXXX XXXX. Page 2 shows the three conditional credits which all became permanent. 

CLOSED DISPUTE.pdf shows the matter is closed from the point of view of Citibank. 

XXXX TO XXXX & XXXX TO XXXX XXXX show the flights were indeed cancelled. No service was received but my money was swiftly taken. 

It makes no sense that three of the four charges were refunded and not the fourth of four. 

Each time I summitted a compliant about the charges I did it for all of the flights or tried but the online system was not always usable. Twice I submitted documents by mail to introduce and prove my points. 

I am still owed XXXX for the service that was cancelled.
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

It's been over 30 plus days in have not had a response. I sent out a letter to verify the Accuracy On my Credit Report but gotten no respond. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted if not verified. They were unable to provide me with a copy of the supporting documentation as proof.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The 3 credit report agencies have put me on early warning services and with speaking to all three number of times refuse to tell me why my information was leaked with someone else. 

Also UPGRADE BANK APPROVED ME FOR A LOAN AND WITHOUT AUTHORIZATION OPENED A CHECKING AND IN MY NAME AFTER I SUBMITTED DOCUMENTS FOR A LOAN NOT A CHECKING ACCOUNT!! 

I WANT THE CFPB TO GET UPGRADE TO CLOSE THE ACCOUNT THEY WILL LOCATE WITH INFORMATION PROVIDE
Complaint sub-issue: Reporting company used your report improperly

The credit bureaus stated my account was properly investigated but, how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal. They also violated my rights under 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: Can't get other flexible options for repaying your loan

I have been in a non stop struggle with American Education Services ( AES ) who services my private student loan I took out during my XXXX education in XXXX when I was XXXX years old. The loan is through XXXX. AES has made it impossible for me to defer payments. In XX/XX/XXXX, I had my first child and was without work or pay due to XXXX XXXX XXXX XXXX I had to fight to be able to postpone payments and since then, they have not allowed me any more deferment or forbearance time. On XX/XX/XXXX, I reached out to potentially lower my payment and they suggested I apply for a loan modification. I received the form on XX/XX/XXXX and submitted it back to them via their online portal on XX/XX/XXXX. My elderly mother has power of attorney for my grandmother who co-signed my student loans nearly 20 years ago. My co-signer grandmother now lives in assisted living with XXXX and is unable to fill out the loan modification paperwork independently, and her assisted living home is XXXX hours away from my home. AES has found every reason to reject my loan modification- they needed the form to have N/As instead of blanks or zeros, despite working with them to fill out the forms repeatedly. They told me my paycheck was too small and unreadable, despite sending them the only check form Im able to receive from my employer. I submitted forms back and forth to them more than 7 times since XX/XX/XXXX through XX/XX/XXXX, and finally on XX/XX/XXXX, I get an email that my application was expired and I will need to start all over again. I am absolutely drowning in student loan payments. Between AES and another private loan with XXXX XXXX XXXX, I am currently paying more than {$600.00} a month just in private student loans. This has made trying to buy a house impossible. I was late on XXXX payments waiting for them to finalize this loan modification but they are so desperate to squeeze every last dime out of hard working small families, they refuse to make any adjustments or accommodations, and even during the holiday season? Its pathetic. I worked on this during XXXX, my daughters XXXX XXXX, now through XXXX and potentially looking at having to fight with them through thei New Year.. and Ive already paid  off the money I originally borrowed XXXX over - and I still have XXXX more years of payments. I am disgusted, discouraged and absolutely broken down by this process. I wish I could go back and tell my teenage self to avoid this servicer and this loan at all costs. This has cost me so much time, money, and peace, and Ill never get any of that back. All for what? To have a job I could have gotten without my XXXX and XXXX XXXX. I was conned into this and I have no way of getting out. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX how terrible is that?
Complaint sub-issue: Information belongs to someone else

My XXXX XXXX XXXX  MasterCard credit card account : XXXX is lost/stolen. There are fraudulent transactions listed on my credit card account. The following charges are are all fraudulent : XXXX, {$52.00}, XXXX XXXX, {$17.00}, XXXX XXXX {$23.00}, XXXX, {$26.00}, XXXX XXXX XXXX, {$32.00}, XXXX XXXX {$6.00}, XXXX XXXX XXXX$4.00}, XXXX {$31.00} and XXXX for {$52.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been sending multiple dispute letters as well as CFPB complaints against the Credit Reporting Agencies to request the correction of the erroneous accounts and information from my Credit File. Under the FCRA, the Credit Reporting agencies are required to investigate the disputed accounts and correct or fix the information being reported on my Credit File. I am submitting this CFPB complaint once again, to request to the Credit Bureaus to remove the erroneous information being reported on my CrediXXXX XXXX. Please once again, fix, remove, and correct the following accounts from my Credit File : XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$51000.00}
Complaint sub-issue: Reporting company used your report improperly

On Friday, XXXX XXXX, XXXX the reporting company Equifax announced that they had been subject to a large-scale data breach that compromised the personal information of many customers including, but not limited to, names, email addresses, social security numbers, and driver 's license numbers. I was one of the customers who was affected by this breach as shown in this image : XXXX XXXX XXXX As a result of this improper handling of my credit report, a large amount of my sensitive personal information is now available to the general public. Those with nefarious intent can obtain this information and use it to commit a variety of crimes which will directly impact my quality of life, including but not limited to identity theft and credit fraud.
Complaint sub-issue: Account status incorrect

Jefferson Capital is reporting a debt on my credit file that needs to be removed. I recently looked at my credit and noticed this debt on my file. This account is past the credit reporting limit under the FCRA guidelines and needs to be removed.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXate of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX/ Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX # B XXXX XXXX, CA XXXX XX/XX/XXXX XXXX This is not my correct address. Remove it immediately from my credit report. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX - This is not my correct address. Remove it immediately from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX 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 instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Old information reappears or never goes away

I disputed an incorrect account belonging to XXXX XXXX on my credit file. Equifax credit reporting agency deleted the account but reinserted it onto my report without notification. By law I am required to be notified within five days of a negative item being reinserted onto my credit file. On the attached files, I 've included photo proof showing the account was deleted from my credit file. As well as proof of the account beign reinserted onto my file.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Accounts has violated my rights. 

( 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 15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency furnish an account without my written instructions.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Called outside of 8am-9pm

I moved out of my apartment on XXXX/XXXX/2016. I received a final statement by mail dated XXXX/XXXX/2016 which states that I have 30 days from the date of my move-out to pay my final statement. On XXXX/XXXX/2016 I start receiving automated calls on my cell phone from Hunter Warfield leaving messages that they are a debt collector attempting to collect a debt. Today, XXXX/XXXX/2016, I receive a letter via presorted first-class mail US Postage Paid XXXX bulk mail envelope with what appears to be a postmark of XXXX. This letter says that I am deliquent on my debt to my apartment complex which is not true. Their automated phone calls happen repeatedly, multiple times a day and at all hours, including outside of the XXXX and XXXX boundaries. They are predatory in their debt collection efforts and need to be stopped.
Complaint sub-issue: Reinserted previously deleted info

I have asked EQUIFAX to delete this information and they continue to put it on take it off and I am fed up with the entire mess. They are supposed to do what I ask them I sent proof of the problem and they just keep putting this erroneous incorrect information on my credit report. It is also reporting XXXX XXXX, the Consumer pursuant to XXXX ( XXXX ) has asked to have them delete it and they have not done so as yet. I do not feel it is right for them to allow the unauthorized use of my credit from a DEBT COLLECTOR, without my permission nor my loan level documentation for the whole world to see. This is a violation as well it is called IDENTITY THEFT, PURSUANT TO XXXX, which is ridiculous. EQUIFAX has done this same ruthless thing for years and it has to stop. They are defaming my character and harming my well being when I want to obtain goods and services for my family, personal, and household use. I want this information to be DELETED, as the Consumer as asked. The Creditors also have not provided me with a written agreement which must be done. I do not know why DEBT COLLECTORS, feel as if I must go to work, give them money which is not theirs and put the Consumer in XXXX, just because they do not want to work. This is against the law and part of the XXXX XXXX XXXX XXXX talking about these XXXX CORPORATIONS thinking that something is owed to them when it is not. This has to stop, CEASE AND DESIST reporting this inaccurate erroneous information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX Have 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B,  15 U.S.C. 1681c-, And police report. 
after number of request by me XXXX it the only bureaus that had not block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX DOB : XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regards to the disputes asking for a legal debt validation. I inquired about these accounts that is listed on my Credit Reports : XXXX XXXX XXXX XXXX {$5700.00} XXXX {$3400.00} XXXX XXXX XXXX  {$580.00} XXXX/XXXX XXXX {$660.00} XXXX XXXX  {$430.00} XXXX {$18000.00} XXXX XXXX   {$38000.00} You were unable to provide me any legal documentation proving these accounts is legally valid. How did you investigate this account without any documentation? I need this debt validated or remove all information regarding this account from my credit reports. 

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney. 

I only wish to communicate via mail. Please do not call me. 


Sincerely, XXXX XXXX XXXX Cc : XXXX XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

Hi and how are you doing?

Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Complaint sub-issue: Deposits and withdrawals

I have been trying to get access to my funds and the company MoneyLion will not let me transfer my funds out. I have called, emailed and messaged through the app. They will not provide access to my funds. It has been over two weeks and they are stating that unless I set up a membership with them I can not have access to MY money.