Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't get flexible payment options

I am a XXXX that has been XXXX in XXXX, Ohio. As an XXXX at XXXX XXXX University, I was involved in a XXXX and needed money mid-semester to pay for doctor 's appointments, books, parking, and transportation. I could not take a direct loan out mid-semester so I was forced to take a private loan to continue my education. I took out a {$15000.00} loan that is through American Educational Services. I did not know that this loan would not be eligible for the XXXX forgiveness program. 
I graduated XX/XX/XXXX, and took a job XXXX for XXXX XX/XX/XXXX. I have worked there ever since. I recently applied for the {$5000.00} XXXX loan forgiveness and was rejected. I meet every requirement there is : -XXXX for XXXX years full time-Never missed a payment-XXXX that is listed in the XXXX currently have a balance of {$17000.00} on my American Educational Services Loan and do not have any private loans. I am a very successful XXXX, who has earned some of the XXXX in Ohio for the last XXXX years. I was relying on this partial loan forgiveness so I can one day have the American Dream of owning my own house. I not only get payed 75 % of what XXXX earn, but I also will have these student loan payments for the next XXXX years. 
Why ca n't my college loan be eligible? Is n't the point of the XXXX Loan Forgiveness Program to reward and recruit successful XXXX? Should n't prospective XXXX be informed about the differences between private and direct loans? Should n't students be able to take direct loans out mid-semester when life throws them a curve ball? 
I just want the loan forgiveness that the rest of my co-XXXX have received.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent numerous amounts of letters disputing the following accounts below to the credit reporting agency listed over the last 9 months. They have yet to remove the items from my credit file even though I have provided them with supporting document that the accounts are inaccurate and don't belong to me. 

XXXX XXXX- XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

EQUIFAX continues to report this one fraudulent account on my credit report and refuses to report the other 6 accounts that do belong to me ... ... they are not giving me a score because of that ... .and I have repeatedly tried to get this corrected with no progress. 

Capital One does not belong to me!! Acct # XXXX I have 6 other accounts that are not reporting and definitely should be : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/CREDIT XXXX
Complaint sub-issue: Debt is not yours

Enhanced Recovery XXXX XXXX XXXX is trying to collect a debt- that is not mine. The birthday is not even mine on the information.
Complaint sub-issue: Debt was paid

OnXX/XX/XXXX I paid a debt for a disputed XXXX cell phone bill despite the fact XXXX XXXX said it was part of my contract to pay this bill at the time I joined their services when stopping my contract with XXXX. XXXX billed me anyways. I continued to dispute to no avail. 

On XX/XX/XXXX, a check to pay this debt off was sent and remitted using Option 1- Pay off the settlement in one payment of {$260.00} per their letter. The remitted check for the payment is enclosed. Per their letter- in choosing option 1 - since they had the  authority to settle this account for less than the full balance- I paid the said option of@XXXX in full and per the letter and expected this debt to be settled and collection activity to stop. 

Today- XX/XX/XXXX I received another collection noticed ( enclosed ) for the same debt in the amount of $ XXXX despite the fact they said would it be settled when I paid option 1 in XXXX.
Complaint sub-issue: Debt is not yours

Discover Credit Card refuses to take off a product I returned XX/XX/2021 {$320.00}
Complaint sub-issue: Information belongs to someone else

I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report.
Complaint sub-issue: Problem making or receiving payments

Over the past year I have used direct deposits from PNC Bank to pay for my rent on XXXX. However, as I entered a new year of my lease, XXXX says that PNC 's policy changed and no longer will link to the avail account, keeping me from directly paying my landlord through the rent payment platform. This issue was uncovered XX/XX/20.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}, {$2700.00}, {$620.00}, {$150.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$620.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$150.00} -This is not my account. 

5. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Complaint sub-issue: Information belongs to someone else

Equifax is reporting 2 collections from XXXX XXXX XXXX. 
I spoke to Equifax and start a dispute but i was told this account will stay in ur credit file even if XXXX XXXX XXXX did not respond to us within 30 days they will close the case and accounts will stay and it is against my right.
Complaint sub-issue: Their investigation did not fix an error on your report

I received a notification in my email that XXXX  completed their investigation into my dispute of the following accounts ; File XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX- XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX University. I have faxed this information and sent certified mail to both Equifax and XX/XX/XXXX in regard to these same accounts. I demand that XX/XX/XXXX and Equifax remove these items immediately. I have been advised by my attorney to file a complaint here prior to proceeding with a lawsuit. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thank you
Complaint sub-issue: Information belongs to someone else

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

i have unauthorized inquiries on my report. i would like to get it remove if you can not provide proof such signature that i prouvide these account. according to the FCRA ANY inaccurate account thats not 100 % verifiable or accurate must be removed. please remove immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account information incorrect

Account reporting to my credit report shows a change in the name of an Original Creditor. However, after some research i discovered that the name change occurred with a company that i have never had a contract or business with as they were not in business that year. XXXX XXXX who was formally known as XXXX XXXX is still in business and not XXXX " XXXX on XXXX ''
Complaint sub-issue: Problem with rewards from credit card

My Citi Card Thank You accounts were shut down without any warning or notice on XX/XX/2020. With the card being shut down, over 1 Million Thank you Points immediately " vanished ''. I was told by a Thank You Points representative that I would have 60 days to transfer out these points I feel that Citi was deceptive in their advertising practices by allowing me to earn all of these Thank You points, and then closing my account without any notice, thus giving me no opportunity to redeem my points.In addition, I was compiling these points in order to take my family on a vacation soon. I have also been told by representatives it was smart to save up all of these points rather than use them immediately. Taking these away is an unacceptable and unethical business practice that is unfathomable during a pandemic and during the holiday season.
Complaint sub-issue: Account status incorrect

Mohela has been reporting that I have not paid my student loan and that it has been late. 

Legally and federally all student loans have been on pause since XX/XX/XXXX and do not resume until XX/XX/XXXX. 

Student loan forbearance is the temporary suspension or reduction of student loan payments. During a forbearance period, you're not required to pay anything toward the principal on your student loans. Interest can continue to accrue on your loans and be capitalized or added to your balance at the end of the forbearance period. 

I am requesting that Mohela corrects this mistake immediately. 
I am also requesting that the consumer reporting agency examine the disputed information, which legally should be done within 30 days. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it.
Complaint sub-issue: Other problem getting your report or credit score

I reached out to SageStream via phone to get a copy of my consumer report and they directed me to their website. I submitted the information including a picture of my passport and they still refuse to send me a credit report saying, the identification is not enough. SageStream is intentionally and illegally making it difficult for consumers to access their consumer files.
Complaint sub-issue: Reporting company used your report improperly

Hard inquiry not authorize or signed THD/CBNA XX/XX/XXXX THD/CBNA XX/XX/XXXX THD/CBNA XX/XX/XXXX THD/CBNA XX/XX/XXXX THD/CBNA XX/XX/XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has not responded to numerous complaints about an error on my report. This has made it impossible for me get approved for a home in XXXX, where my family is. The loans on my report are double what I actually owe.
Complaint sub-issue: Account information incorrect

XXXX   XXXX ,    2017 I received an alert this morning from  XXXX  and  XXXX  that my complaints against Flagship Credit had  been resolved yet it has not.      Flagship Credit is reporting a higher Balance than I owe and updated the credit unions with the false information thus impacting my credit score a  violations of the FCRA.      Flagship Acceptance Credit reported that I have balance of {$19000.00} when I called and have attached a copy of my statement that shows a balance of {$18000.00} the pay off would be only around {$18000.00}. This false information caused by balance to increase on my credit score was imp acted.
Complaint sub-issue: Information belongs to someone else

I recently applied to a new apartment complex and they pulled my credit. It is showing an eviction against my name. Under the collections section in all 3 credit reports. It is imperative that gets removed and cleared immediately. I never lived at the address associated with that account. This collection specifically is preventing me from moving. I was living with family during the time frame this was added to my profile. 

XXXX XXXX XXXX XXXX XXXX and/or XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

The following has been reported on my credit report without written consent. On XXXX XXXX XXXX XXXX XXXX XXXX reported XXXXXXXX XXXX XXXX XXXX XXXX dollars. They also reported XXXX XXXX XXXX dollars  on on XXXX XXXX  On XXXX XXXX XXXX reported XXXX XXXX XXXX XXXX XXXX  dollars. On XXXXXXXX XXXX, XXXX XXXX reported XXXX XXXX XXXX XXXX dollars and XXXX reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars.
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity theft. I have made a report to FTC and will attach it with my docmuments so that the three major credit bureaus will remove the fradulent accounts from my report.
Complaint sub-issue: Transaction was not authorized

There is a company that I requested a loan from before, after they did deposit money into my account I realized hw high their apr was and paid them in full right the way and stopped business with them. However, just 3 months after on XXXX/2022, that company did deposit funds in my account I think ( I do not look at my account on a daily basis, I am busy and don't have to look when I Know that I am not applying for anything ), after that they started taking money from my account on a 1 week sometimes two weeks basis making it a total of almost {$4000.00} now, putting me in trouble and issues while I am busy taking care of my sick dependent. This means that they used my personal information, including my social to do request something I never authorized. I filed a dispute with my bank but they weren't able to help. so I filed a police report and identity theft. I was promised by the company that they will refund my money, but last time I spoke to them they said that they can only refund money from after the police report. I am planning on suing, but prefer resolving this in a smart manner instead cause I have no time for this. I need my money back including the damaged it caused to my credit report, bank account, delays in purchasing what was important for the house including food on our table. 
I emailed them 5 times with no response, I called them maybe 6 times, every time they say someone ( a supervisor ) will call me back, no one ever did, and every time I call back the representative says that the previous representative requested that someone calls you but the call was never made. ESPECIALLY TIME! MY TIME IS PRECIOUS AND WAS WASTED The company is XXXX XXXX. Address : XXXX XXXX XXXX XXXX, MT XXXX customer service : XXXX Resolution : credit report repair ( loan opened without my authorization ) my money refunded {$500.00} waste of time, energy, health, money, nd credit damage. 
If to go through court, resolution will probably be XXXX XXXX as this is fraud and personal damage and financial impact during crisis
Complaint sub-issue: Account opened as a result of fraud

CitiBank advised me by letter on XX/XX/22 that an account had been opened in my name in XXXX, NY and they put the account on restricted status until I could verify it. I live in Florida and had not opened such account. A check that had been sent to me from a law firm in NY was apparently stolen ( in the amount of over {$30000.00} ) and then someone using my identity opened this account. The account number is XXXX. The Citibank reference number for this complaint is XXXX. I advised Citibank of the stolen check and stolen identity in XXXX and was told this would be investigated and the account frozen. No funds had left their account, and they were to refund the money to XXXX XXXX where the check originated from. In XXXX I was told that my claim was approved but they were " processing '' the refund to XXXX. The maker of the check is the law firm of XXXX XXXX XXXX, in XXXX, NY. Two days ago I was again told by Citibank that the transaction is still under investigation and the refund is being processed. It is more than 120 days since this fraud was reported and Citibank still has not acted on returning the money to XXXXXXXX XXXX so that XXXX XXXX XXXX can issue me a new check.
Complaint sub-issue: Unable to open an account

I need to know who to speak to about an old Citi account I opened a while ago and if I owe anything on it I would like to build a relationship back with this bank
Complaint sub-issue: Frequent or repeated calls

I get around 4 calls from these people each day. The person on the other end is surly and abusive.
Complaint sub-issue: Debt was result of identity theft

I have lost my wallet several times through out the years and XXXX day I got checks in the mail from XXXX XXXX on an account that I never opened. At the time I was not monitoring my accounts or my credit report. From this experience I singed up for a credit monitoring service and that is when I noticed this charge off from XXXX CKS Financial that I never knew about. Along with this charge there were many other inquiries from various lenders and accounts that were open in my name that I never opened. There were bank accounts and even bills paid on in my name that I never paid and services that was being used that I never used. This has ranged from loans, to cell phones and internet services that were being used in my name and the bills were being paid. On one occasion I got a text message from XXXX saying that my XXXX  account may have fraudulent activity on it and I called XXXX to notify them that I do not have an XXXX  account and they could not figure out how this happened. To this day there is a bill from XXXX XXXX that is being paid in my name, using my information and XXXX can not find out who the user is and why the statement is being sent to me saying that the bill is paid. There are so many things that I don't understand about this process. CKS Financial owns and account that I never opened and that is fraudulent and bills were being paid in my name and money was being transferred that I never knew about. I filed a police report that is attached and I would like to be cleared from this debt and the delinquent account to be taken off my credit report. Thank you.
Complaint sub-issue: Billing dispute for services

Company is reporting that i have a loan with this company that i never took out or have no knowledge of, this loan is showing up on all three of my credit reports.
Complaint sub-issue: Information is missing that should be on the report

XXXX is reporting a 100.00 dollar missed payment from 2019 when i wasnt in hostpiral for anything then and i had medicare then which would of payed bill so how can they say i missed 100 dollar payment
Complaint sub-issue: Debt is not yours

I received my annual credit report from the bureaus. I found this collection agency, that have never spoken to me last week. They have a derogatory mark on my report. Saying I owe XXXX dollars. First of all, this is from XXXX XXXX. From XXXX XXXX. I had XXXX XXXX back in Texas when I lived there XXXX years ago, I returned my equipment back then and have never been contacted about anything with them. I now retrieved my credit report about a week ago and this appears on my record. This account does not belong to me. I have XXXX as my service provider for the last XXXX years.
Complaint sub-issue: Was not notified of investigation status or results

I have been working on repairing my credit for about six months now. I have been consistently sending letters to Equifax during this time, the first one being sent on XX/XX/2019. I am in the process of trying to get a home for my family and me, and the blatant disregard from Equifax is hindering my efforts. I am trying to better myself and get a better job but Equifax will not respond to my disputes so I'm not even sure if they are following the laws laid out for them. I have attached all of the letters I sent to Equifax below.
Complaint sub-issue: Account status incorrect

I contacted XXXX to request two late payments to be removed and was told to file a complaint or dispute instead ; XXXX will review the facts of the complaint or dispute and make a determination after. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account Number : XXXX XX/XX/2018 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 two ( 2 ) late payments reported XXXX & XX/XX/2018 for my 75-month Installment Loan account. 

I want you to know that I understand my financial obligations, and if it werent for me losing my job due to being laid off, I would still have an excellent repayment record as noted with my payment history. I made a mistake when I fell behind, but since then, I have successfully gained new employment with XXXX XXXX grossing $ XXXX annually. Since then, Ive had a spotless record of on-time payments. 

As a single father of XXXX boys who I currently have full custody of, Im now planning to go from being a renter to a homeowner. With my plans of applying for a mortgage, its come to my attention that the missed payments on my record will hurt my ability to qualify. 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 late payments for both XXXX and XX/XX/2018. 

Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have made several legal contacts in attempt to resolve this matter and would rather request for this fraudulent account to be removed, simply because it was not done with my knowledge or consent. I am prepared to take legal matters if this account is not removed from my credit history. No one should have to deal with such nonsense and fraudulent activity, as though this pandemic isn't enough for crying out loud!
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/2020 I tried to pay my mortgage late. It was denied and XXXX XXXX XXXX  put me in the COVID CARE ACT refusing to accept XXXX/XXXX  payments, marked late on my credit reports, sold the loan to Midland Mortgage as a refinance raising my monthly mortgage payments, sold to HUD with a Partial Deed of Trust. I have had my credit repair company work with me in sending XXXX XXXX XXXX monthly letters for six months with NO reply or repair on my credit reports. When my home went into contract to sell the property in XXXX the Partial Deed of Trust showed up on the title records to the property with payment to be made in full to the Deed Claim. The refused payments were made to Midland Morgage in XX/XX/2020 along with the XXXX payment to bring the mortgage current. Midland also made several attempts to understand the split of the loan and could not get communication from XXXX. I have mailed letters to the Secretary of State, XXXX XXXX XXXX, and CFPB by certified mail and am still waiting for a report on financial facts proving my statement as NOT owing the Partial Deed of Trust. I am nor was in Bankruptcy. I am nor was in Short Sale. I am nor was in Foreclosure. WHAT I AM is XXXX with cash to buy my next property and can not get a loan due to the false reporting of XXXX XXXX loans on my credit reports!