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

My account at Fed Loan Servicing was setup with " paid ahead status '' and 9 of my payments were n't counted towards Public Service Loan Forgiveness. It took a Fed Loan Servicing Borrower Experience Advocate to escalate my case to a PHEAA Consumer Advocate to get things resolved. He eventually got the ok from FSA/Department of Education to have me pay {$190.00} to have the 9 payments come into compliance and count towards the 120 needed for PSLF. Connecticut Senator 's office was also  involved. I was surprised to learn that Dept of Education 's Ombudsman was subcontracted to XXXX, XXXX in Kentucky. Three CFPB cases were opened on this matter : XXXX, XXXX, XXXX. Thanks to XXXX XXXX at Fed Loan Servicing, XXXX XXXX at PHEAA, XXXX XXXX at Senator XXXX 's office for their help in this matter.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have called many times to have my hard inquires looked at. I have so many on to list! I have stated to remove all that werent linked to an account on my credit file and it still wasnt done. As I should mention I am XXXXXXXX XXXX XXXX. I had a man on my credit file with me and was recently deleted. My date of birth was incorrect an My spelling of my name, Which all was taken care of please review my inquires hard an soft as if none are connected to an exisiting account I need them removed as I have rights an would like to finally have some help fixing my credit with what this man has done. THANK YOU!!!
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XX/XX/1979 XXXX : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation.

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.

I expect to receive a response within 30 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible.
Complaint sub-issue: Reporting company used your report improperly

lenders have checked my report with out my permission
Complaint sub-issue: Account information incorrect

I checked my credit report on XX/XX/XXXX to find that my collective Nelnet student loan balance had increased from $ XXXX ( approximate ) to {$24.00} XXXX DOLLARS. I reached out to Nelnet who told me that they would resolve it within 7 days. 

I have daily monitoring of my credit report and after checking today I am still seeing that incorrect amount reporting to XXXX. This incorrect information will negatively impact my standing with all open lines of credit because it looks like Ive taken on way more than I can afford to pay back, and additionally a very important loan Im going to be applying for in the next few days will never go through because of this incorrect reporting.
Complaint sub-issue: Debt was paid

There was no constructive notice of any money owed to the XXXX XXXX that I moved from in XXXX. All final payments were satisfied. I learned that I had a new collection in my name last week from the XXXX website credit alert. I paid the collection of {$300.00} to resolve any long term problems.
Complaint sub-issue: Their investigation did not fix an error on your report

In XXXX I kept receiving daily calls that my carrier Identified as Robo caller with medium level risk. Assuming spam I never answered at first but eventually I did to ask them to stop. Instead I got a lady claiming she was from PNC and asked for sensitive info such as DOB, etc. I told her Im not comfortable giving personal details over the phone, especially with the suspicious caller ID. She instructed me to go to the nearest PNC bank to be told what this is all about. I went to the PNC bank in XXXX, VA and a banker ( XXXX, I believe ) checked my account and assured me that ALL my accounts are in good status and that I can just ignore the spam/scam calls. 1 or 2 weeks later, I got a report from XXXX XXXX that my credit score went down almost XXXX points. I checked back with the branch manager and I was told one of my accounts was NOT on auto pay and hence the calls. 

I tried to get PNC to fix the reporting to the credit bureau to no avail. At this time when looking for mortgage, such refusal from PNC to fix their employees grave mistake will either cost me tens of thousands of dollars in premium interest or even worse having me denied a mortgage all together.
Complaint sub-issue: Their investigation did not fix an error on your report

I do not own this debt and demand that you immediately delete the accounts from my credit report I have never received any verifiable proof that this account is mine and according to the FCRA each account must be verifiable, timely and accurate!!! XXXX  XXXX, XXXX  XXXX, US DEPT ED XXXX, US DEPT ED XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, US DEPT ED XXXX, XXXX XXXX XXXX DPT EDXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Complaint sub-issue: Banking errors

FRAUD BY ALLY BANK EMPLOYEE ; funds embezzled Set up external bank XXXX XXXX transfer at ALLY bank website between my ALLY online saving and linked XXXX XXXX BANK saving account. Submitted EFT ACH transfer on ally bank website from my XXXX XXXX bank account to ALLY BANK online savings account for {$98000.00}. XXXX XXXX bank received this request and honored it, sending the funds to APPLY BANK and provided monthly statement showing valid transaction, which is uploaded. ALLY is claiming they never received funds even though XXXX XXXX bank statement showing withdrawal provided to them. Clearly ALLY BANK employee has embezzled the funds. I request CFPB to file complaint and investigate
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credo reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 section 602 status I have the right to privacy.

15 USC 1681 section 604 A section 2 ; it also States a consumer reporting agency can not furnish an 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 purpose
Complaint sub-issue: Information is not mine

I never lived at the adress XXXX claim I had service at it been living in XXXX since 2007 I never moved back XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Credit accessed my account for a hard inquiry without my permission or authorization
Complaint sub-issue: Their investigation did not fix an error on your report

Loan was discharged in XXXX Bankruptcy XXXX purchased loan in XXXX and now reporting negative information on credit report. Also reporting date opened XX/XX/XXXX I filed complaint with CFPB XXXX  records indicate that this loan was modified with XXXX XXXX XXXX, XXXX on XX/XX/XXXX 1 ) A loan modification does not re-establish liability on the loan. While the terms of the loan might change, the loan is not being refinanced. Refinancing the property into an entirely new loan would re-establish liability, but not a loan modification. This is a major distinction. 

I DID NOT RE AFFIRM LOAN 2 ) How is open date of XX/XX/XXXX possible when they claimed debt was re-activated on XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This debt was paid off and the debt collection agreed to remove and debt the account from my credit report. This negative adversity from this account is still reporting on my credit report. I have asked for XXXX XXXX to provide the following information : - credit insurnace - their relationship ( purchased by, debt collector or hired by another debt collector ) - payment history - charges w/signature - balance history - interest rate disclosure - pay-off disclosure For review and it has not been provided.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXXXXXX XXXX Reported incorrect information
Complaint sub-issue: Information belongs to someone else

I have a XXXX XXXX with a name that is similar to mines and social security number that is 1 number off from mines. After examining my credit report, our identity is being mixed. Her name address and social was popping up under my credit and her name was listed as an " Alias. '' I 've called and written letters and the issue is still ongoing. Many of the hard inquiries on my credit does n't belong to me. Working in XXXX XXXX requires my credit to be decent and this has tremendously lowered my scores. Not only that, it 's hard for me to do many things including my credit and I ca n't because of the mix up. Thanks for your time and concern. 

Sincerely, XXXX XXXX
Complaint sub-issue: Problem with personal statement of dispute

I have been working with this company for months! They lied when they reported about my payments to the credit bureaus I was never late. They told me in XX/XX/XXXX that apparently payments in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX were returned which they should have informed me immediately when it happened. They waited months then decided to report me even though I had just spoken to them and sent them bank statements showing XXXX through XX/XX/XXXX were fine and on time. They said oh ok that’s good we updated that those months were ok but XXXX and XXXX I couldn’t get because my husband’s bank account had been closed and he couldn’t go that far back in statements. I was working with them to resolve the issues and yet they screwed up my credit for I don’t know what reason. I then received a letter from my husband’s bank explaining they made a mistake and that in XX/XX/XXXX they recharged my husband for those missed payments. I sent the company this letter over 3-4 times by email proving they were paid the XXXX! Every time I asked them about it no one had a clue where those XXXX went so now this money some how disappeared and no one knows where it is. I am beyond XXXX XXXX  with this company I have also reported them to the XXXX.
Complaint sub-issue: Information belongs to someone else

I went to my bank lender to try to apply for a personal loan and I was not denied, but I also was not approved with the amount I was needing, due to my credit not being good enough. I then asked the lender to show me my report to see what was the reason behind this and I realized several derogatory items that should not be on my credit report because the items do not belong to me. do not belong to me. Please remove these derogatory items from my report. Someone has taken my identity.
Complaint sub-issue: Their investigation did not fix an error on your report

I have sent several letters to XXXX, XXXX, and Equifax in regards to inaccurate reporting that I've noticed on my credit report and they have failed to meet the request of deleting the inaccurate information from my credit report. I need this account DELETED immediately from my report I do not who these are affecting my entire life.
Complaint sub-issue: Funds not handled or disbursed as instructed

I recently discovered that Citibank, which my wife and I have been customers at for 45 years, has been charging me interest for a line of credit loan that I never applied for. They say it was done at a cash machine. I know nothing about this line of credit loan. My wife, who passed away recently, took care of our Citibank bank account, and never mentioned this to me. A loan does not make sense as we have {$50000.00} in two checking accounts. I have asked the manager ( XXXX XXXX ) and assistant manager of my local Citibank branch at XXXX XXXX and XXXX in XXXX numerous times over the past more than two months for information about this loan - when it began, what was the amount, and what was the rate of interest, as well as a complete historical record of payments, both principal and interest. They say they are working on it, but I have not yet received a reply. I dont understand why it would take so long to find this information that should be easily accessible in their computer records. When I asked for a copy of our statements, so that my accountant and I could speed up the process, they refused to do soas well as giving me the name and contact info for her superior. The last I heard she was going back to 2013, to give an idea of how long this may have been going on.

I would appreciate any help you could give me in obtaining this information and in getting a refund of all interest fees that I believe should not have been paid.
Complaint sub-issue: Problem lowering your monthly payments

I borrowed {$46000.00} total by the end of my bachlor 's degree I was on medical bed rest three times during the last 12 years and while I repaid the loan as I could when I was working and sent in full disclosure tax documents to my lenders, they have defaulted me twice, and are threatening to do it again I just want to get the original loan paid, {$46000.00} turned into an {$83000.00} debt, and I am not a doctor, and consequently did n't quite complete the XXXX XXXX XXXX XXXX that I was pursuing. 
It 's a mess. 
Thanks again for your time. 
XXXX XXXX XXXXXXXXXXXX XXXX
Complaint sub-issue: Personal information

My name is XXXX XXXX XXXX XXXX not XXXX XXXX My birthday is XX/XX/XXXX
Complaint sub-issue: Account information incorrect

I file chpt XXXX bk back in XX/XX/XXXX, reaffirmed the debt in XX/XX/XXXX, recently in XX/XX/XXXX credit reporting STOPPED ... .do n't know why but it did ... .called them SEVERLA TIMES, allowed then ample opportunity to fix it. Here it is XX/XX/XXXX and NOTHING has been done ... ..so it looks like I have 13 missed payments on my credit report. As a result, I lost an approval for a home loan, as well as seeing my credit score drop over 80 points ....
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account : 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.
Complaint sub-issue: Didn't receive enough information to verify debt

I keep getting the same response that is lies. I have an email that they applied to my credit and the resolution is false. They are not doing what they say and I keep getting the same generic email. This is not a duplicate issue, the issue is never addressed and their resolution is false. Please review my credit and you will see it is open. Once again, I pay all my bills and I have no idea what the debt is for and why it is there. I am tired of these unethical practices. Saying your following the FDCPA and disputing when you just reported again on XXXX is not accurate and a false statement.
Complaint sub-issue: Their investigation did not fix an error on your report

Since XXXX I have been disputing and challenging the accuracy of these files on my credit and so far no one has validated it. I sent multiple letters and they have yet to adhere to the law.
Complaint sub-issue: Information is missing that should be on the report

4 years ago I sold my home in XXXX, NC and moved into a new one in XXXX, NC. I hired a moving company to pack and move my personal belongings. When we moved into our new home, we had XXXX come and install TV, Phone and internet ... .same as in my former home. 

I then began to received calls from XXXX about modems. Heck, they brought and delivered them to me at the XXXX address, I'd called to cancel service and I assumed that THEY would come to retrieve said modems. 

Now began threatening phone calls and I finally found said modems at the bottom of a box my packers had shipped to me. I pulled out said modems, drove to another town and turned them in. I specifically asked the manager of the store is there was anything else required of me. Meaning my cable bill was paid and they had their precious modems. The answer was NO. 

I have had to reason to look at my credit score until recently and have discovered that using the XXXX score, my credit is only in the high XXXX 's! I have no debt other than a mortgage with my wife ; my car is paid for and for credit I ONLY use XXXX XXXX. I typically carry a 6-figure balance in my CHECKING ACCOUNT and now I'm seeing I'm being bashed over this XXXX issue. My mortgage lady says that this XXXX issued is bashing my credit. 

I want it removed ... end of story
Complaint sub-issue: Information belongs to someone else

I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Trouble with how payments are being handled

This is a follow up to case # XXXX as the concern is still not resolved. 

My request was misinterpreted. I did not request a list of the periods that did " not '' qualify and why. First, I specifically asked for reconsideration of the payments made in XX/XX/XXXX and XX/XX/XXXX due to the new law signed into Congress as I had described in my complaint. Additionally, I'm not sure why you are saying I was in deferment for one month back in XX/XX/XXXX. I had never to my knowledge been informed of this nor did I request a deferment. Please explain. Lastly, I'm asking for the official letter, as originally requested, showing the total number of qualifying payments I've made toward PSLF, which still hasn't been provided to date.
Complaint sub-issue: Debt is not yours

I mailed ERC ( Enhanced Recovery Company LLC ) a letter on XX/XX/XXXX2021 addressing a debt they claim I owe to XXXX XXXX XXXX XXXX in the amount of {$340.00} in response to a letter they sent me on XX/XX/XXXX2021 stating that since I am disputing the validity, my account will be in hold status for now and collections efforts have cease. I still asked them to validate that debt within 30 days. I sent the letter certified, so I am aware they received it on XXXX/XXXX/21. Today is now XX/XX/XXXX, and I have not gotten a reply back.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax once again and let them know that I have two accounts reporting on my credit that are not mine. They continue to report inaccurate information. The fraudulent accounts are listed as US Depart. of Education/XXXX  and XXXX XXXX XXXX. I submitted a previous complaint with you Complaint number XXXX & the accounts are still being report even after I have sent a police report, put a 7 year fraud alert on my credit files & submitted an ID Theft Report. I have been calling & sending everything they have requested but still no help with only showing the correct information.
Complaint sub-issue: Account information incorrect

On XXXX XXXX, XXXX, I provided a " qualified endorsement '' negotiable instrument to my lender XXXX to pay for my mortgage in full in the amount of {$110000.00}. Since then they have demanded additional payments from me each month. The last statement I received they demanded {$3200.00}. Attached is proof of payment in full for my mortgage made on XXXX XXXX, XXXX. They are committing fraud and using the credit reporting agencies to assist. They even threaten to foreclose on my if I do n't pay them additional money.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Some time in 2015 my discover card got used for purchases at XXXX which i did not make have gone back and forth with discover.
Complaint sub-issue: Other problem

I have a Citi Bank Visa Card. It has a large credit balance on it since XX/XX/21 and I have asked 3 times since then to have this money returned. I have spoken with two supervisors at XXXX and one supervisor at XXXX. I have been told that my request has been pended until XX/XX/21 and after review, it will take 3-5 business days to return my credit balance to my checking account. I find this to be unacceptable in as much as they were able to take funds from my checking account in just 2 days. Why will it take over 2 weeks to reverse the process? I have verified the dating of these activities and Citi 's own online system shows a credit balance as of XX/XX/21. I am most unhappy with the way this credit card company is handling this situation.
Complaint sub-issue: Company closed your account

On XX/XX/2021 I went to make a purchase and my citibank credit card was declined. I contacted Citibank thinking it was a fraud situation only discover they closed my account. I have had this account for 22 years and never had an issue other fraudulent activity that caused the account to change numbers. I called the company and they could neither tell me what caused my account to close nor why I was not provided with advance warning. I also came to learn they cancelled my other citibank credit card had also been cancelled. I elevated the call twice but no one would assist me. This is my oldest account and because of it's closure will surely cause my credit score to go down from where I have it. Credit card companies should provide advance notice of the closure and/or an explanation. This was not only improper business tactics but also improper given the federal dollars given to bail them out. Furthermore, this bank, and all other banks, should be required to send information to the credit bureaus to prevent impacts to a credit score when they provide no explanation for the closure knowing the impact it will have.