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

About XXXX, my spouse and I were encouraged by our lenders to consolidate our Direct Loans into one large Joint Spousal Consolidation Loan. We were advised that our payments would go down as would our interest rate. We quickly found our payment increased and the interest rate went to 7.8 %. Our Loans then became XXXX  Loans. 

As both of us are public servants, the MOMENT the Public Student Loan Forgiveness program began XXXX, we enrolled. At no time were we ever told we were not eligible for the program! We would faithfully resend out application every year because we were so afraid something would go wrong. we rarely received a response to our application and usually it was only a 'thank you we received you paperwork ' type of letter. 

Then in about XXXX, after faithfully paying for almost SIX YEARS, we were told we did not qualify for PSFL, as our loans are XXXXXXXX Loans and make us ineligible. At NO time were we ever told that we would not qualify for the program until then. We were crushed but continued to make timely payments to the exclusion of helping to pay for our childrens education ; forcing them to take out student loans of their own. 

We've prayed that something would change, and because we believed in the PSLF program, we both choose to stay in Public Service, forgoing other potentially more lucrative positions. 

In the last few years, we were advised by FedLoan to consolidate our XXXX Loan into a Direct Loan thereby making it PSLF eligible, but of course, our clock would reset to zero. Then we were told we could not do that because our Spousal Consolidation XXXX  Loan makes us ineligible for Direct Loan consolidation so " Don't bother ''. 

Our loan debt is currently a crushing {$160000.00} with a monthly payment of about {$1500.00} ; which we over pay every month. We have always felt paying the loan principle was fair, but we can not ever rise above the capitalizing interest! In XXXX we owed {$150000.00} and today, in XXXX we owe {$160000.00}!!! 

We have trusted FedLoan and our many servicers to guide us but we have been given 22 YEARS of miss information every time we call. We trusted the Department of Education and FedLoan to honor the PSLF for EVERYONE who faithfully followed the rules, but we have been left behind yet again, unable to have our XXXX SPOUSAL Consolidation Loan forgiven even after 16 years of faithful payments and decades of public service. 

The XXXXL SPOUSAL Consolidation Loans must be PSLF eligible but we do understand this will take a bill to be passed. FedLoan has given us, and many, many other people wrong advice and we have all suffered for it. We would NEVER have considered Joint consolidation if it hadn't been suggested to us as a smart move by The Fedloan persons we spoke to.
Complaint sub-issue: Frequent or repeated calls

Discover has repeatedly contacted my grandparents ( whom I do not or have not ever lived with ) regarding my missed credit card payment. My grandparents were not aware of my credit card, as I am an adult and live on my own. The payment amount owed was given to my grandparents which according to the Fair Debt Collection Practices Act, a federal law, is illegal. After contacting Discover about the crime that has been committed against me, they have provided absolutely no solutions to this issue. I will attach a recording of my phone call with a supervisor at Discover where she admits what they have done is " not allowed '.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX {$600.00}, XXXX XXXX XXXX XXXX {$400.00}, XXXX XXXX  {$1300.00}, XXXX XXXX XXXX XXXX XXXX  {$0.00} has violated my rights. 

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

- [ x ] 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my instructions.

15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I've sent multiple letters of dispute advising of unauthorized inquiries on my credit report. I have a fraud alert in place and none of the below inquiries were authorized by me and none are attached to any open account. I'm tired of sending information to dispute and wasting my time. If these aren't removed, my step will be the Federal Trade Commission and XXXX  XXXX  XXXX  These inquiries should be immediately deleted from my file : XXXX  XXXX/XXXX  XX/XX/XXXX XXXX XXXX/XXXX   XX/XX/XXXX XXXX  XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Debt was paid

Im getting emails from TrueAccord for credit that was paid to another collection agency over 3yrs ago via garnishments. I even have a copy of the writ of garnishment to prove it. The dates of the emails that I can see are : XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21. I guess they think I didnt retain any records or would blindly accept their fraudulent claim.
Complaint sub-issue: Frequent or repeated calls

Attempted phone calls to my wife 's job after telling them never to call there again after the XXXX time.
Complaint sub-issue: Their investigation did not fix an error on your report

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  The accounts were never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Complaint sub-issue: Information belongs to someone else

To whom this may concern I am a Victim of identity Theft. the Information Listed On this Report does not Relate to any Transactions that I've made this is Identity Theft. please Block this Information from my credit thank you
Complaint sub-issue: Investigation took more than 30 days

I sent an investigation request to the credit bureaus on XX/XX/XXXX, but they have not responded yet. They are supposed to respond within 30 days.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XX/XX/XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. 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 ; AVANT LLC/WEB BANK XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XX/XX/XXXX, XXXX XXXX, FL XXXX
Complaint sub-issue: Notification didn't disclose it was an attempt to collect a debt

This is a fraudulent account on my XXXX Credit report that I've asked them to remove several times after sending over documentation and they refuse to remove this is a violation of my rights.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022, I mail a letter to Equifax asking validation of XXXX account. I have not received any information on the investigation. I would like to have proof of who they spoke with, the time and date, and proof the investigation was actively done. This is a violation of my right pursuant to15 U.S. Code 1681i. The information on my consumer report should be accurate and true. Equifax have been report inaccurate information to my consumer report which have cause a hardship in my obtaining proper housing.
Complaint sub-issue: Problem accessing account

PNC is not allowing it's customers access to link their banking account with online services. In my particular case, I attempted to link my PNC checking account with the well known investment service " XXXX '' only to be met with an error. The error being that PNC is not allowing customers access to their own money via trusted third party applications. As a PNC customer I should have the right to link my account voluntarily with financial services that could stand to benefit me. This is my own money in which I have earned. It is not fair to their customers to prevent them access to their own accounts when larger banks such as XXXX XXXX or XXXX  XXXX XXXX customers do not have these issues. This policy only stands to inconvenience their own customers and I believe I will be looking to bank elsewhere because of it.
Complaint sub-issue: Didn't receive terms that were advertised

I opened a Citi Savings and Checking account on XX/XX/XXXX and deposited {$20000.00}. I then added another {$35000.00} on XX/XX/XXXX in order to qualify for the {$700.00} new account opening promotional code. 

On XX/XX/14, I contacted Citi to confirm I would get the {$700.00} provided I kept a minimum balance of {$50000.00} for 90 days after XX/XX/XXXX. I was provided a promo code number ( XXXX ) and assured I did qualify. This was XXXX from Team XXXX. This was at XXXX XXXX  On XX/XX/XXXX, I contacted Citi again at XXXX XXXX  PST. I was told I had to wait no longer than XX/XX/XXXX for the final {$300.00}. This was from a person who only identified as a number ( XXXX ). 

On XX/XX/XXXX, I received {$400.00}, instead of {$700.00}. 

On XX/XX/XXXX, I contacted Citi again. They would only open a complaint. This was done by XXXX from team XXXX. It was at XXXX PST. 

I have no confidence whatsoever that Citi has any intent on honoring their promotional offering.
Complaint sub-issue: Debt was result of identity theft

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The item I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. I've tried disputing this account several times in the past but they keep saying it's been verified which I'm not sure how this is happening.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

apparently I took out a Loan on XX/XX/2019 of the amount of XXXX the company is apparently Loan me but when I contacted them they said I never took out a loan or submitted one. the debit collecting company is named DRG and the person calling me is XXXX XXXX.
Complaint sub-issue: Didn't receive notice of right to dispute

I am a XXXX XXXX XXXX XXXX Veteran, living on a fixed income. After completing my service time in 2013, I have had to have numerous surgeries that have deemed me unable to work. I have had this item that shows as XXXX XXXX XXXX with a balance reporting of {$2700.00} charged off, on my credit report. In XXXX of 2016- I reached out to all and any creditors and made them of an upcoming XXXX on my shoulder, due to a XXXX XXXX in XXXX . I am quite positive that all credit accounts also included the fee of " XXXX insurance ''. However, when the time came- no one knew anything about anything to help me in a situation that I became XXXX from serving our country. I call the number and no one can help me or even point me in the right direction. I got nothing telling me a charge off was being placed and the company will not verify anything for me, nor allow me to resolve the issue. I only want to validate a debt and try to find a way to settle it, so that my credit is not tarnished. I was unable to pay anything, waiting for my SS XXXX to kick in but this account would have been protected through XXXX credit insurance included in the loan payment. I am unsure what XXXX even is for, as I have not been provided any info at all.
Complaint sub-issue: Account terms

In 2013 I was hospitalized on an emergency basis and incurred over {$100000.00} in medical debt. At the time I was admitted, I signed XXXX financial responsibility form, and the hospital assigned me XXXX account number and billed the services on XXXX Statement. 

Thereafter they assigned the debt to CALIFORNIA XXXX XXXX for collection and they have listed the debt on my EQUIFAX report XXXX SEPARATE TIMES as XXXX SEPARATE ACCOUNTS. This is false and fraudulent.
Complaint sub-issue: Debt is not yours

I have received many calls from this same company from multiple different phone numbers which come from multiple different states as well who asks for someone else when I answer then continues to argue with me & gives me private information about the other person in attempt to get me to identify them or their whereabouts as well as other information about their person & debt. I explain that I do not know about and have absolutely nothing to do with the debt that is discussed as it is not mine. They continue to argue with me and call even though I request they do not. Typically they will hang up when I threaten to notify my attorney of this harassment not related to me or my debt. 

XXXX ( XXXX ) XXXX 4X in past 2 days XXXX ( XXXX ) XXXX 3X in past 2 days XXXX ( XXXX ) XXXX 3X in past 2 days I deleted all other call records on my actual phone but they are on my phone record online.
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 {$560.00}, {$340.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- COLLECTION ACCOUNTS -- 1. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$340.00} -This is not my account.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/2019 I purchased a plane ticket for 2 friends and myself with my citi card. 
The amounts totaled {$2200.00} ( 3 tickets ), and {$210.00} ( 3 seat assignment ). 
On XX/XX/2019, the airline I purchased from ( XXXX XXXX XXXX ), went " insolvent '' and bankrupt. All XXXX XXXX flights were cancelled and the website immediately went down, there was no customer service available. 

I called Citi credit card services XX/XX/2019 to let them know what happened and to find out what my options were. I was told, even though the airline I purchased from went bankrupt, that because my flights were through a sister airline ( XXXX  ) that I shouldn't do a dispute until my flight/booking was cancelled. 
I have spent the last 3 weeks struggling to get verification that my booking was cancelled, and was finally informed XX/XX/2019 that it was and that I no longer had a flight. 
I can not request a refund through XXXX XXXX because they no longer exist and my flight was not " ATOL Protected ''. 

I started the dispute process with Citi yesterday XX/XX/2019, only to be told that it could take up to 45 days for an answer, and there was no guarantee I'd get any money back from anyone. 
The rest of my holiday is booked and set to begin XX/XX/2019, so I have 62 days to purchase a new flight for 3 people, when I've already spent {$2500.00} that I may never get back through no fault of my own. 

I should have started it as soon as the airline I purchased from went insolvent, but my card company told me not to. Now I am 3 weeks further behind. 
I have been a Citi customer in good standing for years. 
This situation is a very unique reason for a dispute ( Airline bankruptcy ). I have also never filed a dispute over any charges and use my Citi card daily.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I recently checked my credit report and there is a credit inquiry from Cbna  that I do not recognize from XX/XX/2019. I did not apply for any credit cards or loans with them on that date. I contacted the company but they did not remove the inquiry.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These Inquiries do not belong to me. 

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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX DEPT OF ED/XXXX  XXXX Balance Owed : {$0.00} ; DEPT OF ED/XXXX  XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; US SM BUS ADMIN ODA Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If CREDIT BUREAUS do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Complaint sub-issue: Card opened as result of identity theft or fraud

I need help to solve this problem that affects me with citi bank itself I have a negative account fraudulently opened based on identity theft, this credit card account opened with Macys credit card ( citibank ) I never applied or requested said account I contacted the bank and they They say that this account is mine without proof I went to the police department I made my identity theft report and the accounts opened under my information, since they are affecting me in my credit report please help me and eliminate this account. # XXXX I am receiving calls every day at all hours to collect a debt that is not mine, please I need help.
Complaint sub-issue: Their investigation did not fix an error on your report

I contacted Equifax several times without any resolution. I have explained that I am a victim of identity theft. I sent them my ID, police report & identity theft report & the accounts that I have explained are fraud accounts they ignore my request. I am asking that the following accounts be deleted as they are not mine, I did not open & don't know who did. THESE ARE FRAUD ACCOUNTS XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( several accounts ) & XXXX XXXX XXXX XXXX two accounts ) & XXXX XXXX.
Complaint sub-issue: Information belongs to someone else

XXXX, XXXX, Equifax want supporting documents to show this account on my credit file is fraud. XXXX XXXX XXXX. This is not a duplicate this complaint shows supporting documents of my income and also shows what the dealership falsified, my monthly income as XXXX and I only receive XXXX a month ssi.
Complaint sub-issue: Personal information incorrect

I am pleased to see some improvements on my report and some of the items which I have disputed were removed. However, there are still remaining items on my report which is unauthorized and resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureau is required to remove any items listed on an identity theft report. 
XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Complaint sub-issue: Problem with customer service

They say I am over my credit limit by {$240.00} but my balance is {$700.00} under my credit limit. I called customer service to enquire why this is and the first rep said she would look into it and then put me on hold for 14 minutes before disconnecting me. I called back and spoke to a XXXX who put me through to a supervisor. I explained to him I was on hold and then disconnected and he apologized and offered to look into my problem. He then put me on hold for 33 minutes before disconnecting me. Finally on the third call a supervisor was able to tell me in 30 seconds there was a hold on my card for a reservation I made. This should not have taken me an hour to find out.
Complaint sub-issue: Their investigation did not fix an error on your report

when I recently checked my credit report I seen that there was a closed XXXX XXXX account on my report opened XX/XX/2022 I was not made aware of it this is my XXXX time seeing the account on my report and since it was reported as a closed account I would like for it to get removed of my report I contacted both XXXX XXXXXXXX and the XXXX XXXX  but they have not made the actions to get the account removed off of my credit report Its been past XXXX XXXX I have put the report in with identify theft as well and now I am here reporting this I would like for this to XXXX off my report it is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX