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

I currently have about {$250000.00} from undergraduate and medical school in direct student loans serviced through FedLoan Servicing. My student loans were transferred to FedLoan Servicing in XX/XX/XXXX after I submitted documentation and certification for the Public Student Loan Forgiveness program. I have been making qualifying payments for this program every month since XX/XX/XXXX while working under federal non-profit 501c3 entities. This program requires 120 payments after which remaining student loan debt is forgiven. In order to assess progress, an accurate payment count is essential. FedLoan Servicing has been in the process of calculating my payment count since XX/XX/XXXX. I have called multiple times to check on the state of the payment count in the last year and have been repeatedly told that the process " just takes time. '' They can not give me any reasonable estimate of when the payment count will be counted. Their website lists 7 qualifying payments. By my record, I have made at least 60 qualifying monthly payments. In the meantime, I continue to make significant monthly payments in the hope that the FedLoan will eventually straighten my account out. After over a year of waiting, I would like to submit a formal complaint regarding the poorly efficient, inaccurate and incomplete customer service that FedLoan Servicing is providing to borrowers.
Complaint sub-issue: Personal information

I submitted on line XXXX credit application now i have over XXXX on my credit i did not gave permition, to run my credit alos i am living or has lived at an address in XXXX XXXX which is where my ex wife lives also XXXX never lived there.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF INQURIES 
ON MY REPORT. THE COMPANY IS IN VIOLATION OF:
15 USC 1681 (a)(k)(iii)
15 USC 1681 (b)
15 USC 1681 (b)(a)(2)
15 USC 1681 (2)(a)
15 USC 1681 (c)(2)
Complaint sub-issue: Trouble with how payments are handled

I went to XXXX Univeristy in XXXX XXXX, IN. I took out private student loans to help pay for school and immediately began repaying them when the loans went into repayment. That was XX/XX/XXXX. It has been nearly 5 years since I made my first payment and my balance has n't been touched on the largest loan I have through AES/PHEASS. When I applied for these loans I was barely working full time for $ XXXX/hour and supporting myself on my own ... very meagerly. However, the lender informed me that if I qualify for {$1000.00} loan then I also qualify for a {$30000.00} loan. That was XX/XX/XXXX. How can being credit worthy for {$1000.00} mean that I 'm equally as creditworthy for {$30000.00} especially at that income? While I was in school it capitalized until it totaled {$45000.00}. I 've been paying more than my statement says I owe, sometimes by as much as {$300.00} ... yet the principal on the large loan still never goes down. 

So I attempted to take action, now I 'm scared I 'm being scammed again. I got a call one day from XXXX XXXX who said he was a financial advisor through XXXX XXXX. He put me in touch with a group saying the loans were predatory ( I agree ) and if I pay half what my loans were for ... their lawyers will prove the loans are invalid and will have them dismissed. Has anyone heard of XXXX XXXX XXXX., XXXX XXXX, or national legal staff support? These are the people claiming to handle my case, and I just recently was sent a power of attorney form to have notarized in case lenders refuse to release information. I am afraid to go forward any more than I already have until I know this is n't a scam. How do I fix the damage I may have already caused myself by following their directions and not paying the lender? 

I feel like without doing something, I will never pay these loans off. Until last month, I 've paid faithfully, and usually more than I owe. I do n't understand how I 'm not getting anywhere when the bill says I owe {$95.00} but I have paid {$400.00}. Where is my money going and if I owe it, why is n't it on my bill!?
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased a spring break vacation trip XX/XX/2020 to XX/XX/2020 to XXXX for my family ( XXXX, XXXX, and I ). XXXX booked the resort and the airline tickets thru XXXX XXXX for the three of us. Before XX/XX/2020, XXXX XXXX cancelled the flight and offered no alternative travel arrangements. The Federal Government issued an order banning all non-essential international travel. This trip was a vacation outside of the United States which is considered non-essential travel. The State of California issued a stay at home order prior to the scheduled travel date. If we flew on this flight, it would have been a violation of the state order. 
It is important to note that we still wanted to travel on this flight and were ready to travel. However, we were unable to do so due to XXXX XXXX cancelling the flight and offering no alternative flight. Therefore, by responding to my dispute, XXXX XXXX is attempting to charge for a service they never delivered. Furthermore, we also were in no position to violate any Federal and State orders not to travel. 
It should be further noted that the airlines have been ordered by the Federal Government to refund fares paid for by consumers. Therefore, XXXX XXXX should not even being responding to the dispute. 
Finally, per the fair credit reporting act, Citibank as a credit card company can not charge for a product or service that was never delivered. When XXXX XXXX cancelled the flight and offered no alternative flight, they were in essence trying to charge for a service they were unable to deliver. 
Therefore, if Citibank decides to rule in favor of the airlines for this dispute, Citibank will be in violation of Section 621 ( a ) ( 2 ) of the Fair Credit Reporting Act which provides a per violation penalty from {$3500.00} to {$3700.00} per incident. 
I did submit my dispute with Citibank, and all the required documents to prove that XXXX XXXX did indeed cancel their flight. Also Citibank only refunded one ticket and rejected my two other tickets.
Complaint sub-issue: Their investigation did not fix an error on your report

My XXXX  student loan account is in forbearance. 

XXXX has not notified the credit bureaus with the correct information concerning my account. 

My credit is negatively being effected and it is against the law for XXXX not to be updating the credit bureaus with the correct information.
Complaint sub-issue: Information belongs to someone else

I am submitting this CFPB complaint to request that the Credit Bureaus remove the disputed Accounts and information that resulted due to identity theft. Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts and information not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information that some Credit Bureaus provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. Also, the Credit Bureaus have claimed that the disputed items are verified and are reporting accurate information on my Credit file. However, the Credit Bureaus have failed to send me copies of proof of verification or any documents bearing my signature. I am now submitting this CFPB Complaint to request that the Credit Bureaus remove the following disputed accounts and information completely from my Credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$510.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2100.00}
Complaint sub-issue: Reporting company used your report improperly

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 

I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I request that you initiate an investigation into XXXX inquiry 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 inquiry and send me an updated copy of my credit report at the address listed above. 

If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX 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

Purchased windows for my home, for late spring installation in XXXX, on XX/XX/XXXX via written contract in my home with sales person of XXXX XXXX XXXX with credit card purchase of {$5000.00} toward the total due. After re-examining conversation with XXXX XXXX XXXX sales person we felt there was something shady about the company so we followed their policy and filed a declination of contract form they provided us with according to their own policy. XXXX XXXX XXXX had a certain amount of days to refund our credit card, per their own written policy. Refund was not received so we disputed the charge with the credit card company. Called the credit card company 3 times to discuss status of the investigation and was told someone would be instructed to call us to discuss further. Each of the 3 times we never received a call back from anyone investigating the disputed charge. Then we received a letter from the credit card company stating we did not follow XXXX XXXX XXXX declination policy and they wanted to know the date we contacted the company and what the company 's response was from that contact. However, we followed the policy to the letter and provided all proof necessary to void the charge on our credit card. The credit card company said they would reinstate the {$5000.00} charge and the fees and interest related to that charge going back to the date of the charge. We have no reason to contact the credit card company any further since they ignored the proof provided that we followed XXXX XXXX XXXX policy and were wrongly denied the dispute of the charge. We desire the {$5000.00} be removed and any related fees and interest related to that charge be reversed as well.
Complaint sub-issue: Debt was paid

Continued daily robo calls all day and evening calls registering different numbers from different states. Debt was settled and paid to creditor XXXX XXXX XXXX but daily harassing calls will not stop to my cell number XXXX. Calls show up from different states and numbers but when answered its always a bot calling from same company. Numbers listed were XX/XX/XXXX XXXX WI, XXXX Long Beach CA, XXXX, XXXX XXXX CA XXXX many daily numbers from same company to list. I am considering changing or dropping my cell number and phone altogether due to harassment. XXXX was paid in full XXXX XXXX XXXX and paid in full but daily Robo calls will not stop. Company may be upset because I dropped service and switched recently to XXXX  due to bad service and dislike XXXX as I explained to a Rep when I contacted them directly to report this and pay any outstanding valence on XX/XX/XXXX Please do not publish my direct cell number to any public boards that can be viewed by anyone other then the ones who resolve these issues.
Complaint sub-issue: Their investigation did not fix an error on your report

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Complaint sub-issue: Old information reappears or never goes away

On XX/XX/2019 I discovered XXXX XXXX ; Account number XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
Complaint sub-issue: Account status incorrect

Credit Bureau has failed to respond in a timely manner to my dispute letter. I have sent letters 3 times. No result. 

1. The wrong amount is being reported XXXX Account XXXX : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed the inaccurate reporting of payments and balance from the XXXX XXXX XXXX with XXXX, Equifax and XXXX multiple times and nothing was done to correct the issue. The investigation was not completed correctly and the information was not verified.
Complaint sub-issue: Didn't receive notice of right to dispute

In XXXX of 2020 I took out a loan for {$600.00} with XXXX  XXXX XXXX XXXX and was paying it back via automatic withdrawals. I however became unemployed due to COVID and advised the loan company in XXXX i would resume payments whenever i financially could. I NEVER received any documentation after that. My employer received a garnishment request in the amount of {$1900.00} from Apex Servicing. There were no court documents filed. I never received an opportunity to dispute and or settle the debt. and when calling Apex the only options they give me is to refer to my original loan agreement which was NEVER provided by XXXX XXXX XXXX XXXX. Apex also told me the only way I could stop the garnishment was to pay the {$1900.00} in full. I have yet to receive any documentation supporting these actions, time or opportunity to dispute the garnishment and proof of court filings for the garnishment proceedings. 
TO add the original loan amount of {$600.00} HAS BEEN PAID the outrageous amount of {$1900.00} is supposedly fees and interest!
Complaint sub-issue: Card opened as result of identity theft or fraud

I had my identity stolen. The person who stole my wallet was a XXXX XXXX XXXX male. He went to Macy 's on XX/XX/2022 and tried to open a credit card in my name. The cashier took my license and never said anything that a male with a bald head was standing in front of her applying for a credit card. He looks like nothing me. Thank goodness the application was denied but shame on the cashier for taking the application when it was not the person standing in front of her. this is what stores do their employees. they put so much pressure on them to get sales and credit cards, that they don't care whose life they are hurting.
Complaint sub-issue: Information belongs to someone else

I dont believe that this account is correct, but it's being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize this debt.
Complaint sub-issue: Account status

EQUIFAX fails to remove the XXXX XXXX account. EQUIFAX reports incorrectly that this account Terms are Revolving. EQUIFAX reports incorrectly that this account balance is {$50000.00}. EQUIFAX reports incorrectly that this account is past due {$50000.00} even though XXXX CARD issued a XXXX. EQUIFAX reports incorrectly this account Credit Limit is {$43000.00}. EQUIFAX reports incorrectly that this account is currently over it 's Credit Limit. EQUIFAX reports incorrectly this account 's date of first delinquency is different from the day of first delinquency from the other CRA 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Complaint sub-issue: Debt is not yours

Addendum : I have disputed the debt in writing through the XXXX XXXX XXXX XXXX and TrueAccord acknowledge the dispute through their response, as I have said in my dispute, the debt collector. ( i.e ) TrueAccord was instructed to contact the District Attorney 's Office and they have declined/refused. This is in  correspondence legally and accordingly with the Fair Debt Collection Practices Act ( FDCPA ) the burden of proof in verifying the debt is the sole responsibility of TrueAccord and my attorney resolved this matter during the court proceedings for the identity theft. 

If TrueAccord seeks to continue the debt collection, I must receive verification from TrueAccord of the original owner of the debt in writing in less than ( 30days ) from the original owner of the ( debt ) including the following ( invoices, signature verification, services rendered, payment methods, proof of identity was presented. ) TrueAccord havs stated in their own admission correspondence to the XXXX of Greater XXXX XXXX they on XXXX and XXXX, ( True Accord ) do not own the account that was placed with them and they do not have the verfication orginial documents. 

Through Truce Accords own admission, they are refusing to verify the debt allegations through my city 's District Attorney 's Office Freedom of Information Act ( FOIA ) which states this debt is not mine due to stolen identity. 

TrueAccord is required by law to send the debt back to the original company which they state is XXXX XXXX XXXX XXXX. Collections who also is not the orgininal owner. My contact in Washington, DC did some reseach on my behalf and XXXX XXXX XXXX XXXX alleged orginal debit owner does not exsist. 

I asked True Accord twice to send me verfication that shows I was the consumer of the debit or take they could easly contact my local Distrcit Attorney 's office.by submittt a FOIA request. 

They refuse to comply and want me to submit proof becuse they are aware of my numerous compliants stating this debt was identitied as proven identy thief. 

True Accord was notified though their own correspondace with the XXXX of Greater XXXX XXXX to cease from pursuing and reporting this debt in accordance the Fair Debt Collection Practices Act ( FDCPA ), and from further contacting me. Further investigation has determined there is a lengthy history of several Federal, and National complaints of illegal practices from True Accord and XXXX XXXX XXXX XXXX..
Complaint sub-issue: Debt is not yours

Received letter in mail, stating that if I did not respond that they would automatically assume I am admitting to a debt in which I do not..have received letters about an apparent debt to XXXX XXXX XXXX for years now. I have always written to them or answered phone calls and asked them to stop harassment, that I do not owe a debt, and I even called XXXX XXXX XXXX to resolve this issue and they refused to speak to me about the matter stating that I must talk to the debt company ( XXXX XXXX XXXX customer service agent then continued to sign me up for a new plan with them ). I have been an XXXX customer for I believe to be over 10 years now. The letter never states times of supposed debt..but I can tell you that I have had nothing to do with XXXXXXXX XXXX XXXX for a very long time.
Complaint sub-issue: Personal information incorrect

I have been trying to fix my credit and realize that the Equifax credit reporting has my name mispelled. It has been ongoing problem and now I am getting a ton of mail with the mispelled name send to my address. 
It was brought to my attention while applying for a home loan with my local bank, on XX/XX/2019 
The correct spelling of my name is XXXX, not XXXX!
Complaint sub-issue: Account status incorrect

North American Recovery is reporting an erroneous debt from my credit file. A while ago this debt was sent to an attorney and i was summoned to appear in court for this debt. This case was dismissed due to the fact that the debt was returned to the original creditor. NAR is still reporting these debts on my credit file and i need them removed ASAP.
Complaint sub-issue: Collected or attempted to collect exempt funds

In XX/XX/2018 I sent a certified letter to Discover Card, stating my job loss, XXXX XXXX diagnosis in XX/XX/2018 and XXXX XXXX diagnosis in XX/XX/2018. My only source of income is social security. My car is worth less than {$100.00}, I owe over {$5000.00} in back taxes and am over XXXX months behind in my mortgage. I also sent several other letters, stating that I am uncollectible for this debt and it needs to written off. Instead, Discover Card IS THE ONLY CREDIT CARD COMPANY WHO SUED ME! I'VE BEEN HARASSED BY XXXX AND XXXX XXXX, DEMANDING PAYMENT AND THREATENING WAGE GARNISHMENT, MY CAR, AND ANYTHING ELSE I OWN! 

My doctor is disgusted by this harassment of a XXXX XXXX XXXX female with such XXXX  health issues. I have lost weight, can't sleep, and my XXXX flare ups are severe. 

I am willing to take {$5000.00} for my pain and suffering caused by Discover Card and the attorney firm. Should they refuse I will do whatever it takes, including letting the media know of this harassment of the elderly.