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

I have always paid my student loans on time. In XX/XX/XXXX I paid my loan and rounded it up to {$110.00}, the next month the lender said I owed {$110.00}, which I paid. My regular payment was {$110.00} a difference of {$.00}. The same thing in XXXX of XXXX I rounded my payment to {$180.00} the next month I paid what I was told to pay which was {$180.00}. My payment amount was {$180.00} a difference of {$.00}. Now I am being told my payments made in XXXX of XXXX and XXXX of XXXX will not count towards my loan forgiveness because they were not a full payments. They are saying I am on a paid ahead program which was part of my promissory note. No one ever said that this status would result in payments not counting towards my PSLF. I had not even signed up for the program then, although I was a XXXX  employee. I was told by FedLoan Servicing the law was changed regarding the way a payment is made if you are part of PSLF, but my payments were prior to the law change so they will not count. 
They also said Pay Ahead is any extra payments made prior to 30 days from the due date. My due date is the XXXX of each month and the extra {$.00} was effective on XX/XX/XXXX-less than 30 days from the XX/XX/XXXX due date and the extra {$.00} was made on XX/XX/XXXX also less than 30 days from the XX/XX/XXXX due date. For 6 years I have followed all the rules and paid my loan with-in 15 days of the due date. My loan payments have gone up to {$380.00} per month when they started at {$110.00} a month. I am a mother with XXXX children, XXXX in college now. I have struggled to pay my loan payments, but am responsible when it comes to my debt. I do not feel I should be penalized for paying what I was told to pay. I don't feel I should now have to pay an additional 2 months at the almost {$400.00} payment when the 2 lower payments were made, on time, and should count. I also asked for a copy of my signed Promissory Note and was told I could access it at the the Dept of Education Website. I have been on the site and I am not able to locate a copy.
Complaint sub-issue: Public record

There is a judgment being reported by Equifax Credit Bureau from XXXX XXXX XXXX. The Credit Bureau insists that they have verified this information however the court asserts they have not. The case was dismissed without prejudice with no judgment and the bureau continues to report this information. It is Judgment with CIrcuit Clerk - Case ID XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/2018 I sent a request to dispute a dent I found that was being incorrectly reported on my credit reports. I requested information proving I owe the debt and received a simple letter head letter from CKS the amount I owe and nothing proving I owe the debt or any signed account information the debt even belongs to me. I requested this information. 

On XX/XX/2018 I sent a second request for the same information requesting signatures and more information from the original creditor being I never received my original letter to dispute this debt prior to reporting within 30 days as allowed under the Fair Credit reporting Act. 

I'm not getting any response to validate or prove I owe the debt.
Complaint sub-issue: Debt was result of identity theft

This is in reference to the dispute I have with way point at XXXX  and equifax. This is a copy of the theft report for you to have on file.
Complaint sub-issue: Information belongs to someone else

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX, XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance XXXX {$22000.00} ; XXXX XXXX XXXXXXXX Balance : {$25000.00} ; XXXX XXXX XXXX* Balance : {$7100.00} ; XXXX XXXX  XXXX XXXX Balance : {$24000.00} XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX Balance : {$9300.00} ; XXXX XXXX Balance : {$8700.00} ; XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$9600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$400.00} ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Complaint sub-issue: Received bad information about your loan

I submitted my request for Public Service Loan Forgiveness after completing 120 payments while working for a non for profit institution in XX/XX/XXXX. After waiting 3 months I received a denial letter in XX/XX/XXXX with no rationale as to why I was denied. I contacted Fed Loan Servicing who informed me this letter had been a mistake and that the loan forgiveness was still being processed. Now 6 months later I have not received an update and the company says they are still processing. Please help!
Complaint sub-issue: Account status incorrect

I paid a collections on my Equifax credit report on XX/XX/20 and the collections company notified all 3 collections company on XX/XX/20, all but Equifax removed the negative information. I have file 3 disputes and it is still showing on my report. I eve called the Collections company and they advised me again that they notified all the credit bureaus. Equifax claims they never received that information. Even after I filed the disputes. I filed 2 disputes in XXXX and XXXX in XXXX and still no resolution. I have called Equifax numerous times and no one seems to know what's going on. I called on XX/XX/XXXX and I checked my Equifax repot and in less than 24 hours my score dropped 31 points. I advised the company that I had the receipt of the payment and that all they needed to do is contact the agency to verify payment. This is very frustration because I am doing all the leg work and all I get is " I'm very sorry ''.
Complaint sub-issue: Trouble closing card

I was issued a US Bank XXXX  payroll card in XXXX of XXXX, I used the card to get paid for about 6 months. I then quit the job. I stopped using the XXXX  card. I got another checking account with US Bank and no longer needed the XXXX  card. I called in XXXX of XXXX and asked for the card to be cancelled, the CSR assured me it would be cancelled and a Check for my remaining balance sent to my address on file. The account is still visible on my US Bank app and still has a remaining balance. I want the card canceled and my balance refunded.
Complaint sub-issue: Was not notified of investigation status or results

I started my credit journey back in XX/XX/2020 when I received copies of my credit report. Not only did I notice the wrong information with my name and addresses, I noticed there were some accounts I did not recognize as well. I watched videos and did some research and started disputing these accounts. The bureaus sent me responses at first but when the pandemic hit, the letters stopped coming. It is my understanding that the bureaus have 30 days to respond, or the account should be removed if they were not validated. After conducting more research, I found out the bureaus were behind and affected as well from the pandemic and would be taking a little longer to respond. Understandable. However, it has been 3 months since I received any notification or update regarding these negative accounts on my report. I have sent numerous letters and warning letters to the bureaus and XXXX Equifax, and XXXX  has not reached out to me. This is unacceptable. This is my life in their hands and I want this situation resolved.
Complaint sub-issue: Account information incorrect

Despite a deletion of a derogatory item ( collection ), despite my avaivblile credit moving to 100 % and despite $ XXXX in student loans being paid in full and closed ; my credit score dropped 32 points. For absolutely no reason. The aforementioned things all occurred in the same week and instead of it improving my score it dropped it 32 points. This must be an error and needs to be corrected.
Complaint sub-issue: Account information incorrect

XXXX I received a dispute report review that an account that was already paid for was still showing up on my credit report with Equifax. I submitted to Equifax both bank statement and offer letter that to the settlement was paid for. Equifax does not want to remove this off my report Ive made to attempt two attempts with Equifax to remove it. The company XXXX XXXX XXXX has not updated the amount, even though I told them about it.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized inquiries and collection accounts
Complaint sub-issue: Problem using a debit or ATM card

XX/XX/2022 two fraudulent XXXX  XXXX  charges {$21.00} and {$21.00} on my cash app account. I am currently waiting for not pending status to get the charges reversed.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, Equifax and XXXX  are all reporting that I owe a student loan when in fact this is not true and the statue of limitations are expired which is 4 years in the State of Texas. I have sent multiple letters to ask them to verify the " unverified '' information in which I was told that they have investigated and it is in " fact my account ''. This is untrue and incorrect and I need them all to delete this incorrect information from my credit file. I can not get a mortgage for my family because of their error. What upsets me is that they can put incorrect information and say they " investigated '' when I know for a fact that no investigation was done and no proof or wet ink signatures were sent to me. I do not have an MPN for the loans they have on my file. So they need to remove this within the legally allotted time frame which has increasingly expired. I understand that XXXX and others have been sued for reporting incorrect information on peoples personal credit reports and I want my name added to that bunch. I do not want to go to court and sue the 3 credit agencies and XXXX XXXX XXXX XXXX for their mistakes.
Complaint sub-issue: Cashing a check

I went to cash a check it was declined by telecheck I called them they said my DL was linked to some bad checks that were wrote on my account in XX/XX/XXXX& XX/XX/XXXXI told them that was impossible I was locked up in prison from XX/XX/XXXX-XX/XX/XXXXI sent the paperwork over several times they still havent updated my file I still cant write a check they told me I had to pay them before it would be removed and I can write a check I am not paying for something I didnt do. I have been hung up on they lie they refuse to help me and do their job. Something needs to be done with this company its sad and horrible. At this point I dont know what to do I cant get any help. Please help me I have nothing all my money is in my checking account I cant draw on because the block.
Complaint sub-issue: Information belongs to someone else

I have disputed since XX/XX/2021. It hasnt been resolved and want it resolved instantly.
Complaint sub-issue: Billing problem

This has to do with a money order loan payment that was posted on XX/XX/2018. This payment was for the month of XX/XX/2018. The amount of the money order was for {$860.00}. Ally posted the payment incorrectly as {$960.00} and the money order was reversed. The payment was not returned to the bank, nor was it returned back to us. Ally keeps on calling us and stating we are past due. We can't get an answer from them telling us what happened to the payment after they put the amount incorrectly. They did not mail it back to us, nor does the bank that issued the money order have it. I just got off the phone with them for the 5th time and they can't give me an answer of what happened to the payment! They now have posted a late payment on our credit report. This payment was not 30 days late! I want to know what happened to the money order and when it was pointed out to them that it was their error, why wasn't it fixed.
Complaint sub-issue: Personal information incorrect

3 Credit reporting agency My Info is incorrect please correct it, I have written letters no response.
Complaint sub-issue: Account status incorrect

Refinanced loan with XXXX prior to loan being transferred from XXXX XXXX to XXXX. Have copy of the cashed check which was paid directly to XXXX. XXXX customer service has been terrible to deal with. They are simply a disorganized mess. Have communicated with CS via phone and email for 4 months. Sent copies of cashed checks. They report no issue yet they reported a new load AND delinquency to my credit report. Their response was " just wit a few months '' and then if nothing happens to dispute the report .... WHAT!!!!!! It is their responsibility to correct their error - not just blow off the issue. My report took an 80 point hit. There should be laws against this sort of behavior with no repercussions. We wanted nothing to do with this institution, it was forced upon us.
Complaint sub-issue: Debt is not mine

I do not know who erc is. It looks like it 's for XXXX on my report. I had XXXX for several years and XXXX before that. I am not aware of anything on my credit that 's delinquent and I have nothing for this balance. I pay my bills in full every month. I have made several attempts to contact them. This needs to be removed from my credit profile. It is not mine.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX I submitted a transfer of {$170000.00} from my Betterment savings account to another savings account with better interest rates. On XX/XX/XXXX I checked my accounts and noticed the money was not there. I called Betterment and they told me the transaction was " stuck '' and it would complete in the next 2-3 business days. I checked back on XX/XX/XXXX because the funds still had not shown and they told me I needed to provide a reason for the transfer because I had just deposited the money the month before. I explained that it was because I found a better interest rate and they documented my response and said they would move forward with the transfer. I also provided this reasoning via email. I then received an email saying they were not going to complete the transfer as I requested but instead were going to return it to the original funding account. It is now over a week later and I still do not have my money and they have not provided me a timeframe on when I should expect it.
Complaint sub-issue: Seized or attempted to seize your property

Phone call after phone call all day. Being told they going to take action against us. Refusing payment when we try to make it. Saying that's not good enough we need it now period
Complaint sub-issue: Investigation took more than 30 days

I noticed a lot of inaccurate information on my credit report a few months ago, so I created have been sending the three credit bureaus to dispute letters explaining to them that I was part of the Equifax data breach, and I have a lot of fraudulent information accounts on my credit report. XXXX, Equifax, and XXXX have been causing me much trouble and I HAVEN'T RECEIVED A RESPONSE on why they are reporting the fraudulent accounts. Can I please get help with this issue? I sent another letter to them on XX/XX/2021and they have ignored it completely. I know they got the dispute because I sent it certified. This has been causing me so much XXXX  and headaches, I have tried everything to get them to remove these accounts and I need your help. I want these accounts removed immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

EQUIFAX XXXX XXXX Inquiries I didnt give Consent to these. Ive even called these places. 

Title 15 U.S.C 1681 B False activity without Written Consent Title 15 USC 1681 C-1 Without Written Consent it is considered Identity Theft Tile 15 USC 1681 C-2 Didnt Notify me of the activities and are still there
Complaint sub-issue: Account status incorrect

XXXX XXXX Account Number : XXXX ACCOUNT REPORTING BALANCE BUT IS CHARGED OFF THEREFORE IN VIOLATION OF FCRA!! 

XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX These XXXX ACCOUNTS ARE PAST THEIR STATUE OF LIMITATIONS!!
Complaint sub-issue: Account status incorrect

the letter attached specifically states that my XXXX XXXX XXXX accounts number XXXX, has not late payment, XXXX XXXX XXXX has changed this inaccuracy by sending me this letter, but for some reason the credit bureaus have not update and they are not updating this inaccuracy, this is the only negative shows on my credit file, and it is absolutely inaccurate, i will be attaching the letter which i have received from XXXX XXXX XXXX. please help me to have this inaccuracy removed from my all three credit reporting agency thank you
Complaint sub-issue: Information belongs to someone else

I submitted a dispute asking Equifax to investigate incorrect information on my account, with the dispute I sent in a copy of my license and social security card. On XX/XX/XXXX I was sent a letter asking for identification which I sent in twice already. After doing my first dispute I didnt get any results after 30 days I did a second dispute and was asked for identification so I did a complaint then received a letter XX/XX/XXXX stating my dispute was being processed and I will get the results by the 30 days of my previous dispute. Which that time has passed and still no results. Equifax was recently on the news for not updating and processing people correct information and scores. My rights are being violated as per the Fair Credit Act.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX the following accounts have violated my rights. 

XXXX XXXX XXXXXXXX XXXX Account number XXXX {$650.00} XXXX XXXX XXXX XXXX Account number XXXX {$970.00} XXXX XXXX XXXX Account number XXXX {$440.00} XXXX XXXX XXXX {$230.00} 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
Complaint sub-issue: Investigation took more than 30 days

HI I filing a complaint against the credit bureaus because I made several disputes to them regarding my concerns and they are not following the laws. They have not provided me with any of my investigation results.. I sent out several letters explaining to them my concerns with whats on my credit.. I also sent out a 30day demand letter and they still aren't complying with the law.. This is a violation and dafamation of my character..
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. 

Account name : 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 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: Didn't receive notice of right to dispute

Why does an inquiry for klarna/XXXX ( XX/XX/2021 ) appear on my credit report ( XXXX )? Aren't you aware that you must enforce the permissible purpose provisions of the Fair Credit Reporting Act? 
Prove to me that the inclusion of this inquiry complies with this federal law, or remove it now. Sincerely
Complaint sub-issue: Can't temporarily postpone payments

While in college at a public university, and having scholarships, grants and small amounts of federal loans, my brother and sister died in a car accident, I moved home right after. I transferred and began taking my classes online, I took out some loans to cover this, My step-father and mother promised to help repay them. They just started a business and it was on its way to becoming profitable. My mom all the sudden and became very ill, she was the cosigner on my sallie mae debt ( about $ XXXX ). Sallie Mae harassed me after she died to pay the loans in full and I made full payments for a year or so, I was about a semester away from graduating with my XXXX but could not because of my mother 's death. Then my step-father fired me, took all of my mother 's estate ( I was unable to afford a lawyer at the time ) and kicked me out of his life, I was homeless for awhile and I managed to get a new job and pay as much as I could on my loans. Sallie mae is harassing me at my new work, and calling me all the time. Many times they are very rude and do n't offer me anything, one time they reduced my payment and said it would bring my account up-to-date and it has not. They lied to just get some money from me. I am struggling and every time I call - they are very rude. I wish I could change the situation and be able to pay. I am struggling.
Complaint sub-issue: Public record information inaccurate

On XX/XX/2021 I sent an Affidavit of Truth, FTC report, dispute letters and invoice for violations in accordance with the Fair Credit Reporting Act. According to law, if my Affidavit of Truth does not have a rebut within thirty ( 30 ) days of date of receipt shall convey assent to, and agreement with all the facts within the Affidavit and invoices shall be payed in full. To prevent being charged for actual damages and/or criminal charges, a rebut of the Affidavit or removal of items in dispute letter and payment of invoices shall be received with the thirty days.
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed with Equifax regarding a account I had with XXXX in XXXX. The amount on the account was {$370.00} which was charged off. Equifax states that a payment has not been made on the account since XXXX. How would they know if the information that they have only dates back to XXXX. I have disputed 2 or 3 times and each time the information changes but it is still incorrect. They have my first delinquency reported as XX/XX/XXXX, which is incorrect. When you look at the calendar for the payments the charge off started in XXXX of XXXX which is also incorrect. I have not paid on this account since XXXX.
Complaint sub-issue: Didn't receive terms that were advertised

Back in XX/XX/2022, I noticed USBank has an online AD shows they will provides a {$400.00} welcome bonus offer for new personal checking account : " Complete two or more direct deposits within 60 days of opening your new Platinum, Gold or Easy checking account. 
Earn {$200.00} when your direct deposits total {$2500.00} to {$4900.00}. 
Earn {$400.00} when your direct deposits total {$5000.00} or more. 
This offer is valid through XX/XX/XXXX. XXXX XXXX : XXXX " I opened checking account via USBank 's website with Promo code " XXXX '' on XXXX, and start using this new personal checking account as my salary direct deposit account. 

By now, I already made more than 12 direct deposits and more than {$50000.00} in total, but still not received the {$400.00} welcome bonus. 

I contact USBank customer service more than 5 times in the past 3 months about this problem, they checked my direct deposit history, told me I was eligible, I can expect the the {$400.00} welcome bonus hit my account in couple weeks, but it never happened.