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

I've been making loan payments under the PSLF program consecutively, since XX/XX/XXXX working for a state government agency. In XX/XX/XXXX, I changed jobs to a county job and received an increase in pay. In XX/XX/XXXX when I applied for recertification, my application was " denied '' due to my increase in salary. I expected to have a change in my monthly payments, but was stressed upon seeing this notice that I was " denied. '' I contacted XXXX immediately and a customer service rep switched me to a plan with the lowest monthly payment. Unbeknownst to me, the " plan '' she switched me too did NOT qualify as a plan to make repayments under for PSLF. I learned of this by an email notice one month  later. I contacted XXXX again, and again was told I was on the wrong plan. I once again tried to submit paperwork to get under the correct plan. In XX/XX/XXXX I received another notice my application has been " denied. '' I called XXXX again and was now told to apply for REPAYE. I was told that a payment in XX/XX/XXXXwill NOT count towards the 120 monthly payments because paperwork will not be processed in time, but the monthly payment will be very low. I paid {$880.00} for XX/XX/XXXX, and then {$440.00} in XX/XX/XXXX. I received another notice in XX/XX/XXXX that I am still not on a plan that qualifies for PSLF. I contacted XXXX AGAIN and spoke with someone who convinced me he was knowledgeable, and assured me I was on the right track. I am on REPAYE and my monthly payments will be {$800.00} beginning in XX/XX/XXXX. I asked him if he could send me an email to memorialize our conversation, but he said he could not do so. I paid {$880.00} over the phone to him for my XX/XX/XXXX payment, and he told me that all payments, including XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXwould count towards the 120 payments. Today I received a notice for automatic withdrawal, and the amount was only {$450.00}. I called XXXX and spoke with a very rude person by the name of XXXX who not only hung up on me, but was supposedly a supervisor. She refused to explain how this mess happened, and would not acknowledge they XXXX XXXX up. I relied upon their advice and information when choosing a plan to pay under. I asked the right questions to assure myself that I was paying under a plan that would qualify for PSLF. Not only was I given incorrect information, but now I have months of payments that do not count towards my 120 payments for PSLF. I relied on XXXX customer service reps to my detriment. I have no idea what is going on, what payments count towards the 120, and why certain payments don't count. I don't understand why it takes three to four months to process paperwork, and as the consumer, I am penalized for their lack of diligence. I have been told completely different information from each customer service rep I've spoken to and have now lost all trust and confidence that XXXX is properly servicing my loans so that I qualify for forgiveness in 3 years. I am at the end of my rope and ready to hire an attorney to file yet another lawsuit against XXXX. Please help!!
Complaint sub-issue: Card was charged for something you did not purchase with the card

On XX/XX/2021, I attempted to purchases 100 " stamps '' through J-Pay, a company that provides electronic messaging between individuals who are incarcerated and those in the free world. There contact information can be found here : https : //www.jpay.com/ContactInfo.aspx Instead of processing my order for 100 " stamps '' for me to communicate with people in XXXX XXXX XXXX facilities ( which is what the page specifically stated when I placed the order ), they instead added 100 stamps to my account to contact people in XXXX XXXX XXXX system. I have attempted numerous calls to their customer service line ( which states they will provide support XXXX ), but I have not been able to contact a single individual and their automated system does not provide prompts related to this issue. Not only have they failed to resolve this issue, but they have also failed to respond to my email inquiry as to why they charge more money for stamps required to contact people in Florida 's prison system compared to stamps for people in Michigan 's prison system.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have been a XXXX XXXX resident since year XXXX, and have been at my current address since XXXX. Someone who carries a fixed XXXX, TX address opened or constantly tried to open credit cards in my name since XXXX. This person repeatedly accesses and modifies personal information on my credit file from all three credit bureaus, online, by phone or by mailing fraudulent documents to the credit bureaus. 

Despite all the tremendous efforts I have made by filing police reports, filing FTC reports, calling creditors, calling and mailing to all three credit bureaus to dispute and add security measures to my account over the past years, in XX/XX/XXXX, this same person was able to have a few creditors access my credit report from XXXX, and have one creditor leave a hard inquiry on my Equifax report. Upon being notified by credit monitoring services regarding these un-authorized activities, I called XXXX to report and to get the issue resolved. As the result XXXX added a new security question when someone phones in to try to unfreeze my credit report, while locking my online access. Equifax on the other hand explained to me that the recent hard inquiry was an attempt only and it can be removed when requested documents are provided to them. I hope my credit reports can stay secure however it will not surprise me if the fraud happens again.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, US Dept ED Account # 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: Account information incorrect

Our Loan was transferred or sold to another company. The sale or transfer date was XX/XX/2019. The new owner was XXXX XXXX with Servicing of the loan being handled by XXXX XXXX. The Loan number is XXXX The actual transfer happened on XX/XX/2019. 

Recently we have been having problems with, first the XXXX XXXX loan shwing on our credit report starting this month as being OPEN with a balance of {$190000.00}. We put in a compliant to XXXX through CFPB ( this format ) on the XXXX of this month. On the XXXX the credit reports started showing the XXXX XXXX loan being closed, but the our XXXX account shows that there were other things also happening in the credit file that shows changes were made to the XXXX XXXX credit file that not only altered the dates or recorded delinquent periods. This in fact lowed my credit score for that account. Put a call into the CFPB this morning and was told that XXXX  indicated that the account could only be controlled by XXXX XXXX, and they were the ones that did not close it, and if I needed anything change or corrected, I would need to contact XXXX  and ask for Trade Line. I'm not clear who made the changes and why would XXXX/XXXX  XXXX would make such changes, being it something we had never before experience when were were with them. They have for the past ten years been an stellar and exceptional mortgage servicer.
Complaint sub-issue: Overdraft charges

On XX/XX/XXXX my XXXX  card had overdrafted while I had overdraft protection. XXXX closed my secured building card XXXX  reported it to 3 credit reporting agencies and I lost XXXX points due to XXXX  inaccurate " credit card closing '' its a prepaid card not credit card. On XX/XX/XXXX I dispute with XXXX  on XX/XX/XXXX XXXX  stated a error did occur in XX/XX/XXXX that caused me to lose XXXX points now I want my points lost and the credit reporting agencies are refusing
Complaint sub-issue: Account status incorrect

I was not satisfied with the result I got from my Equifax report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for this item to be corrected but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have this item corrected or have anyone from Equifax contact me about the status of my concern. Here is the item that I am trying to dispute : XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/2021 ( Late 30 days - XX/XX/2021 ) / ( Late 60 days - XX/XX/2021 )
Complaint sub-issue: Information belongs to someone else

I pulled my credit and found many accounts that I had no knowledge of. I have tried to contact the people over these accounts but nothing has happened.
Complaint sub-issue: Card was charged for something you did not purchase with the card

XXXX XXXX XXXX XXXX IL {$100.00} I have been trying to work with Macys for months they took it off closed my card and gave me a new card. Can you please help me as they are charging me late charges and intrest and they are reporting me to the credit bureau
Complaint sub-issue: Credit denial

I applied for a loan on XX/XX/XXXX. I received a response the application was received and I would hear back in 3-4 days. I never heard back. I received notice in the mail my credit had been pulled and my credit score was over 800. I have not received an approval or denial letter or phone call. It's my understanding they are required to notify me one way or another to be in compliance with the law. Today is XX/XX/XXXX and I still have not heard back. I've tried to call multiple times and I sit on hold only to be hung up on eventually. I emailed with no response. I feel this is not a legitimate operation and I'm concerned I've given my NPI info to an unworthy party. I take my personal information and credit very serious. 

The company name is Essex Credit and division of Bank of the West.
Complaint sub-issue: Other problem

I applied for a credit card with Discover with a credit line of XXXX. My application had got approved. While waiting on my credit card, an agent from Discover emailed me in regards to submitting additional documentation in order to have access to my card. They asked for my bank statements and tax documents. Ive already sent them my bank statements, which is not required to fill out the application for the credit card. Discover asked for my consent to review my taxes. I dont consent to sending my tax documents simply because its not a requirement when applying for a credit card or after once youve been approved. And because Ive already sent them my bank statements. I feel that they are discriminating me due to my race & my XXXX orientation. Im XXXX. No one else I know has gone through this process or are going through this process. Had I known or was made aware at the beginning of the application process, or even after I got approved, that l was going to have send in additional documents to get my credit card, I would HAVE NEVER took the time out to apply for this card if I knew I was going to be hassled & discriminated against due to me being XXXX and XXXX. Theyve already ran my credit and now its a hard inquiry on my report. Which stays on my report for 2 years. Which also makes me feel like they are trying to sabotage my credit score. So Im still confused in regards to why they are still wanting additional documents. Its my right to deny Discover consent to look into my tax information. I called Discover and I even asked why they need this information and I was told by a supervisor that I couldnt get that information for security reasons. Which is even more confusing because how can you not give me information thats pertaining to my account. So I need someone to reach out to me ASAP, because I want to nip this in bud so that it wont happen to me or anyone else.
Complaint sub-issue: Information belongs to someone else

I have been sending letters to Equifax for months now and I have repeated myself over and over again. I am extremely concerned about the actions Equifax is having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX/XXXX XXXX, XXXX   XXXX XXXX, Chapter XXXX Bankruptcy Discharged XXXX
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

XX/XX/19 I tried to make a XXXX dollar purchase but to my surprise, my minor childs government issued XXXX XXXX COMERICA BANK debit card benefits account declined. I immediately went online as I usually would to check the balance and discovered the balance was about 5.62. I immediately called the card service to let them know that someone had taken thousands of dollars from the account without my knowledge or consent. XXXX to be exact in UNAUTHORIZED transactions at several different locations in XXXX and XXXX, Florida. My card was in my possession the whole time, Never lost or stolen and NOONE other than myself has access to the account or pin number. After about 15 days of investigation XXXX XXXX closed the case and claims there was conflicting information in what I gave them and what they investigated. They said I had called from my phone number and address to check the balance before the fraudulent activity began, however, I MADE NO SUCH CALLS. I get access to that information ONLINE. They said someone with my same last name tried calling in aswell, however, I don't know anyone or have anyone in my family with that persons name. Because of these events I have discovered that someone has stolen my identity and is perpetrating to be a member of my family. I've sent in my phone bill to show that I made No Calls to check the balance on XX/XX/2019 like their records suggest. XXXX XXXX level 2 fraud employees are very short and vague in helping and have told me the case is in fair hearing and that it could take hours or YEARS for this to be resolved. In fact, " no time frame '' is what they are saying consistently. They will not return escalation call request or allow me to speak with the investigators. XXXX XXXX   never issued a provisional credit even though I complied with their requests. I've filed police reports in both locations where the fraud accured and filed an identity theft report with The FTC. Please help me get these funds back as they are benefits for my XXXX year old child that has special needs. No one other than myself should have ANY access to these funds. HELP
Complaint sub-issue: Account information incorrect

Hello Loan care and XXXX XXXX has incorrect information on my account that must be deleted. They have the wrong address. I need this validated. My family is suffering. Please have this company remove this account from my report. I dont understand why this is on my report
Complaint sub-issue: Information belongs to someone else

This is my multiple requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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 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: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The following account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 15 U.S CODE 1681 section 602 A. States I have the right to privacy.

15 U.S CODE 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written permission
Complaint sub-issue: Information belongs to someone else

I use XXXX XXXX to monitor my credit scores. The Equifax score is reporting a hard inquiry from " XXXX - XXXX XXXX XXXX XXXX '' on XX/XX/XXXX. I did not have a credit check done at this time and believe this is fraudulent. 

Additionally, I have two hard inquires from companies " XXXX XXXX XXXX '' on XX/XX/XXXX and from XXXX on XX/XX/XXXX. Both of these inquires were from when I was inquiring about a mortgage. They were from two different institutions, XXXX XXXX   and XXXX XXXX ; however, they were inquiring about the same thing, a home loan. On Equifax 's own website, they state " Multiple hard inquiries within a certain time period for a home or auto loan are generally counted as one inquiry. '' Considering they are within a week of one another, and resulted in a single loan, they should really be counted as a single inquiry. 

Finally, there is a hard inquiry from XXXX XXXX XXXX on XX/XX/XXXX. I did begin services with this company then ; however, I was not informed it would be a hard inquiry and was under the impression that utility service inquires were soft. This seems particularly ridiculous when people frequently move from house to house and have to set up new utilities throughout their lives.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

This collection Agency Mrs. Association is reporting fraudulent information on my Credit report. They are a third party trying to collect a debt that is not owned to satisfy XXXX XXXX XXXX ( XXXX ). Provide me with a copy of the Promissory Note proving who owns the loans that I Co-signed and/or any documents to support the reason why they are reporting erroneous information.
Complaint sub-issue: Information belongs to someone else

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete XXXX statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!
Complaint sub-issue: Information belongs to someone else

Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report. 

Equifax : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Company did not inform me in a timely manner, approximately 1 month after discovery, that my personal information within their databases had been comprised. Thus giving me less time to take measures to protect myself from identity theft. My credit report data should have been stored and encrypted properly so no one outside of Equifax 's organization could read the data and this was not done. Now because of this breach my information can be used now or even many years into the future to facilitate identity theft.
Complaint sub-issue: Account information incorrect

i have been disputing this entry from   XXXX   XXXX   several times and the 3 bureaus keeping saying that after their investigation they show thin information is correct
Complaint sub-issue: Account status

I have a notice on my credit report from XXXX XXXX XXXX that a loan that I co-signed for is in collections. The loan was my sister 's and showed up on my credit report after she declared bankruptcy. My dispute is that the l last payment on the loan was in 2008, and the creditor has systematically moved the last payment date to keep the account on my credit rating. This is illegal, and all XXXX credit bureaus have allowed to continue. By law, this should have been removed after 7 years. Repeated requests to both the credit reporting companies and to the creditor for documentation has been ignored -- another violation of federal law.
Complaint sub-issue: Keep getting calls about your loan

My XXXX 's student loan is through Nelnet and the calls are about bankruptcy and the numbers they are using are not connected to the XXXX XXXX system. They are local numbers that when calling back are disconnected. I had 4 in one day. All the telephone calls have the same voice and information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Pursuant to 15 U.S code 1681b ( a ) ( 2 ) I am aware that a consumer reporting agency needs the written instructions of I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. Please provide the written instructions that I, the consumer, gave to Equifax which has authorized the furnished information. If you can not provide me with these instructions written, this has been a fraudulently made consumer report using my identifying information. 

1. Addresses : XXXXXXXX XXXX XXXXXXXX XXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX, XXXX XXXX XXXX XXXX XXXX Ca XXXX 2. Phone number : XXXX 3. XXXX. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11. XXXX XXXX 12. XXXX AR XXXX XXXX XXXX XXXX