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

I was advised in XXXX that if I consolidated my loans, after graduating with my XXXX XXXX XXXX in XXXX, I would be able to have the balance forgiven after 10 years of payments, under an Obama plan. I believed the loan servicing company and consolidated my loans. I had been paying on the loans since XXXX. I went back to school to get a XXXX XXXX XXXX in XXXX XXXX, I graduated in XXXX XXXX XXXX. In XXXX XXXX XXXXXXXX, my husband was killed XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I called about getting part of my loans forgiven because I had been paying on them for 10 years. I was told there was no such thing as student loan forgiveness, and I was lied to and I needed to consolidate my loans again to lower my payments. I consolidated my loans and about 2 years later I started hearing that loan forgiveness and cancelation was a real thing. My loans were in income-driven payment plans for XXXX years, and I assumed that I was well on the way to loan forgiveness. Fast forward to a week ago when I called Nelnet and was informed that every time, I consolidated my loans I started my repayment period towards loan forgiveness over again. I was never informed that I restarted my loan payments to forgiveness each time I consolidated. Each person I talked to told me that I had to consolidate my loans to be able to put them in an income-driven plan. I have been trying to pay off my loans but with the lies, deception, and predation by XXXX XXXX XXXX I now owe {$170000.00} and I am unable to purchase a home because of my debt. This is unfair and there is no way I can ever pay this debt off with XXXX XXXX XXXX  income, I also can never buy a house because of the amount of student debt I carry. I was informed consolidation was the only way to make my payments qualify for income-driven repayment plans and the only way to continue my payments to forgiveness. I was told to continue the number of payments, not restart the number of payments.
Complaint sub-issue: Problem accessing account

My account with Discover was locked out then after sending in ID and numerous follow up calls in re as well as attempts to reach a manager, was told account is closed. Since account is closed and access restricted, I do not know details of account activity such as bill payments, ACH payments, deposits, etc .... I request Discover send statement of final account activity as well as a check for remaining funds in account ASAP.
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 # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXXt Account # XXXX XXXX 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 an account without my written instructions
Complaint sub-issue: Information belongs to someone else

I noticed someone tried to get credit in my name and noticed inquiries on my credit report that I did not make.
Complaint sub-issue: Fee problem

I wrote to USBank corporate headquarters. XXXX ( XXXX ) called me but was unable to explain why, since I increased my line of credit, I am now being charged a {$28.00} monthly service fee on my checking account when I wasn't previously. She left voice mail that was inadequate. I have called her and left XXXX mail 4 times starting XX/XX/XXXX and over the month of XXXX and she has not returned any of my calls. I contend that I should not now be charged this outrageous fee simply because I increased my line of credit. Or indeed, if this was to be a result of my increasing my line of credit, I should have received notification in writing of such, which I did not. Your assistance in this regard will be greatly appreciated. I have been a customer of USBank for over 20 years. 
XXXX
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been a battle going through this and I am submitting this CFPB complaint to delete the following fraudulent information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report and the Police Report which I have filed in my local Police Department. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I have read that the Credit Bureaus are required to remove any account and information that resulted to identity theft. By submitting this complaint, I am looking forward for the removal of the disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I have attached and FTC report for an account that is not mine.
Complaint sub-issue: Information belongs to someone else

I tried to call all three bureau 's and the company, i even wrote numerous of letters to explain that this is not my account. i asked the company to provide proof of contract and they keep sending me a bill, which is not my bill? A bill does not show proof that i signed a document. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V Gravens ( MO ) 281 SW 715,719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I know my rights and they are trying to make me pay a debt that does not belong to me. The credit companies sent me someone else 's credit report a while back so what makes me believe they are not mixing me up with this person again.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX , OH ) 15 U.S.C 1681 Section 602 A. States I have the right to Privacy.

! 5 U, S, C Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Other problem

I'm unable to use the Shell/Citibank master card that I received. I am unable to log into my account or change my privacy preferences. After I register the card there is a constant online error message. The company first said that these were all technical errors and that I should change my pass code and register the card again. This did not solve the problem. The company then stated that they would have to talk to 'management ' to resolve the issue, and that this would take an additional 10 business days. Furthermore, I am unable to opt out of information sharing. The automated system simply disconnects the number and says that it's unable to process any such request. Furthermore, my cash advance limit was limited to {$50.00}. This raises extreme privacy concerns involving the company Shell and officials in the state of Arizona where these crimes are being perpetrated.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXXXXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Information belongs to someone else

I received a letter from CFPB on XX/XX/2022, that you closed my complaint to protect my PRIVACY. I called the 3 Credit Bureaus after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there Accounts : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ; XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Complaint sub-issue: Public record information inaccurate

This company XXXX XXXX told me that they verified a bankruptcy on my credit report through the creditor, but when I reached out to the bankruptcy court ( creditor ) they sent me a letter stating that they do know business with XXXX XXXX or any credit bureau which I have forwarded the letter over to XXXX XXXX who still is telling me they verified the account through the bankruptcy court this is illegal to report and I demand immediate removal
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

My account was hacked on XX/XX/2021 and today XX/XX/2021 the same day that I got my refund for the first hacking incident. I have reached out to the company and asked why wasn't the refund and the account secured when they know the account as been hacked more than once within a few hours. I advised that it had to be someone within the company in order for it to happen the way that it did. They don't provide a phone number so that you can talk to someone you have to wait until they decide to email you back. I advised the company that is ministry money that was taken today and no one has responded to me. They emailed me and said I had to link my bank card in order for them to refund my money. Which makes no sense when the money was refunded without my card being linked. I have a cash app card so they wouldn't need my bank card to refund my money. One of Cashapp 's CSR emailed me and said " take it easy '' our team support will contact you case closed. I don't have a way to forward those emails to you. My account was hacked for {$170.00}. When I tried to send the first amount to my son in fear of being hacked Cashapp would not allow me to send it.
Complaint sub-issue: Information belongs to someone else

On XXXX XXXX, 2017 XXXX XXXX SUBMITTED A HARD INQUIRY ON MY CREDIT.
Complaint sub-issue: Debt was paid

I am reporting a violation on the F.T.C. Fair debt collection Act.FMA Alliance ltd, file # XXXX is billing me for a account balance of {$760.00} that ; s already paid to XXXX XXXX XXXX account number XXXX, also paid to XXXX XXXX/XXXX account ending in XXXX three in a federal code B with the Internal Revenue Service since XXXX XXXX XXXX is reporting to all 4 credit bureau 's XXXX balances.fma alliance , ltdXXXX XXXX XXXX is billing me to get money that's not owed, no legal debt.this company got their 1099-c by certified mail.XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

In the months of XXXX, and XXXX in the year of 2020 I've sent Equifax two rounds of dispute letters stating that information that is displaying on my credit profile is not accurate and fraudulent information that I did not authorize. Each time of request they have sent me false results stating that the information disputed was not on my credit profile which is impossible to be true because I discovered the information of the accounts I did not recognize on there website myequifax. I have provided all documentation to them with proper verification so there is no reason the disputes have not been granted to be deleted. I stated that I was not able to verify any information pertaining the fraudulent accounts displayed on report because I am clueless to them with me not being the individual to open them. I am looking for issue to be resolved immediately.
Complaint sub-issue: Debt was paid

I made an agreement to pay a debt in full with a promise from the debt collector that the debt would be deleted from my credit report. I kept my promise and paid {$340.00} on XXXX-XXXX-2019 in full. This collection agency has failed to remove this item.
Complaint sub-issue: Investigation took more than 30 days

I submitted a notarized dispute letter dated XX/XX/2021. It is now XX/XX/2021 and there has been no response. According to the FCRA, if there is no response from the creditor within 30 days of dispute, the item must be removed.
Complaint sub-issue: Problem accessing account

I received the following message from XXXX XXXX when I asked to receive a copy of my last statement, since not received : " Please keep in mind, there is a {$25.00} research fee for that request. 

Please mail a check made payable to XXXX XXXX, in the amount of {$25.00}.

Please mail the check to : XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX. ''
Complaint sub-issue: Investigation took more than 30 days

I have tried more than once to get the credit bureau to correct errors on my report. I want these items removed. They are NOT mine. They were asked to provide proof that they were reporting correct information. They refuse. They always say as in the last complaint he didnt provide enough information to complete his investigation. They have ny identifying information. They have the name of the creditor and partial account number taken from their report. I dont know what more to give them. This is what was sent and signed for on XX/XX/XXXX. They just responded today they cant find this information. Yet its still on my report as of this morning. 

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding items that are listed on my consumer credit report. 
1. XXXX Account XXXX Not my account 2. XXXX XXXX Account XXXX Not my account 3. XXXX XXXX Account XXXX Not my account 4. XXXX XXXX XXXX Account XXXX Not my account 5. XXXX XXXX Account XXXX Not my account 6. XXXX XXXX XXXX Account XXXX Not my account 7. XXXX XXXX Account XXXX Not my account 8. XXXX XXXX XXXX Account XXXX Not my account 9. XXXX Account XXXX Not my account 10. XXXX XXXX Account XXXX Not my account 11. XXXX XXXX XXXX XXXX Account XXXX Not my account 12. XXXX XXXX XXXX Account XXXX Not my account 13. XXXX XXXX Account XXXX Not my account 14. XXXX Account XXXX Not my account The Following Inquires were not initiated by me. They need to be removed. 
XXXX XXXX XX/XX/XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Consumer statement Please update my phone number from XXXX to XXXX. 
As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
As proof of my identity, I have included copies of my, Social Security card, passport, drivers license. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX DOB XX/XX/XXXX SS # XXXX
Complaint sub-issue: Account status incorrect

All information Loancare ( a subsidiary of XXXX XXXX XXXX, also called XXXX ) is reporting to the credit bureaus is inaccurate for the following reasons. ( Each number below is an inaccurate statement given to one or more of the 3 credit reporting agencies. ) 1. DATE OPENED : XX/XX/XXXX - I did not open an account with them on XX/XX/XXXX as I had no relationship with Loancare ( a subsidiary of XXXX XXXX XXXX also called XXXX ) prior to XX/XX/XXXX. Loancare/XXXX XXXX purchased my mortgage from XXXX in XXXX upon XXXX filing for bankruptcy. 
2. DELINQUENCY FIRST REPORTED : XX/XX/XXXX - I could not have been delinquent with Loancare/XXXX XXXX on XX/XX/XXXX as I had never heard of them or had any obligation to them prior to XX/XX/XXXX. I did, however, make my XX/XX/XXXX mortgage payment in full to my lender at that time, XXXX Mortgage. ( XXXX later merged with XXXX. ) ( I have provided proof of payment to all three credit reporting agencies. ) 3. ACCOUNT STATUS : Included in Bankruptcy This account was not even opened during the bankruptcy proceedings in XXXX. Additionally, the bankruptcy documents show that I intended to continue paying my mortgage to the lender at the time, XXXX, which I did. I have never missed a mortgage payment. Not once in the 18 years I have lived in my home. 
4. ACCOUNT CLOSED This account was opened XX/XX/XXXX when I made my first payment to them and I have continued to make my payments on time every month so its actually not closed at all. They simply choose not to report my payments and erroneously state the account is closed as a punitive measure because of the bankruptcy proceedings which did not include them and had no impact on them. 
5. MONTHLY PAYMENT - {$0.00} My monthly payment with Loancare/XXXX XXXX is currently {$1600.00} which included taxes and escrow. 
6. NO PAYMENT HISTORY This account is open and active since XX/XX/XXXX. I have made every payment on time. 
7. DATE CLOSED : XX/XX/XXXX I did not even begin paying LOANCARE until XX/XX/XXXX ( so it couldnt be closed in XXXX ) when they purchased my mortgage from XXXX and I have continued to make my payments on time every month so its actually not closed at all.
Complaint sub-issue: Received bad information about my loan

Great Lake, the loan servicer, for Acct ID XXXX, has been charging and expecting interest payments for a Parent Plus Loan they I have that is for a daughter the is in her XXXX year of college. 
It was my understanding that with this loan, I would not be REQUIRED to make payments until my daughter was SIX MONTHS out of college. 
My credit report has been attached with Late Payment mis-information because of this. 
My husband had the same issue/problem with Fed Loan Servicing, but they finally backed off and issued a deferment. 
This issue needs to be clarified and corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. XXXX ID # XXXX
Complaint sub-issue: Account terms

This credit reporting bureau is reporting incorrect information under a XXXX credit card that was closed many years ago. There is a very old credit card still displayed on my credit file which is showing a 30 day late payment. The late is displayed in XX/XX/2010. I wrote a letter asking Equifax to completely delete this account and I have not received a response and this account continues to display incorrect information that can not even be verified. I called XXXX and was informed by them that these late were not verifiable and no longer on record an that Equifax will remove the account completely. But they have yet to do this. I am suffering financially because of This false reporting and this falsely delinquent account.
Complaint sub-issue: Problem with customer service

On XXXX XXXX XXXX I made a substantial payment to pay off the balance on my Citi thank you preferred card. Once this payment cleared I was sent a letter by e-mail advising my credit limit had been cut from {$8500.00} to {$500.00}. This account had been opened since XXXX and had a perfect payment history. 

I immediately contacted customer service and my account was subsequently closed. 

I have reason to believe Citibank is in the practice of reducing credit limits due to the coronavirus on low risk consumers who do not have any problems with payment history or debt load. 

I received a follow up letter in the mail stating that I have high debts with other creditors which is simply not true. I have very little credit card debt, and all accounts are in perfect standing. I have other accounts with CitiBank that are paid in full. 

In the period between XXXX and XXXX I understand Citi Bank was found to have committed mortgage lending violations and other unethical business practices that resulted in a large mortgage settlement. I was a party to this and received a payout. I would like to ask the CFPB to heavily look in to the practices of CitiBank in relation to how they cut credit limits after payments have been made in an effort to maximize negative impacts on the customers credit score. I am happy to provide a recent copy of my credit report to the CFPB to document and years of account statements to document that Citi had no reason to take any negative action against my acccount.
Complaint sub-issue: Problem with product or service terms changing

XX/XX/XXXX - Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency ... Some XXXX and XXXX residents were also affected. '' - Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. '' - Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from midXX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' - The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection. ''