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

XX/XX/2022 On XX/XX/2022, I received five letters from Mohela stating that they have counted the number of qualifying payments made during each period of qualifying employment. The letter credited me for only 49 payments. 

I contacted Mohela and spoke with XXXX, Mohela representative, and advised that this information was incorrect. I explained that I was applying for the limited PSLF waiver and under the limited PSLF waiver, my loans should be forgiven. I explained that I received a denial letter and that I should not have been denied under the limited PSLF waiver. 

XXXX put me on hold and spoke with her supervisor. After being on hold for quite some time, XXXX advised that Mohela had not received all of the history from the previous servicing provider. After questioning her about this and advising that I received notification from Mohela that the transfer was finalized, XXXX then advised that she didn't mean that the history of my loans were not transferred. She explained that Mohela was not yet finished giving credit for all of my previous employers. She advised that Mohela had not finished processing my limited PSLF waiver. XXXX concluded by saying that I would receive another letter that gives me credit for the applicable employment that qualifies under the waiver. 

I logged onto my account today ( XX/XX/XXXX ) to discover that Mohela updated my application status to " Processed. '' They also deleted a document that they determined to be a duplicate of what was already sent. Mohela and its representatives lied to me about the status of my application. I was told that they were still processing my application and crediting my qualifying payments under my previous employers. The status as reflected on my account and the letter that Mohela provided also conflicts with what I was told. 

Mohela was blatantly dishonest in their communication on the status of my application. Their dishonesty directly impacts my ability to be afforded forgiveness under the limited PSLF waiver. Their dishonesty not only impacts me, but any other student loan borrower who is trusting that the information that they receive from Mohela to be accurate. 

I have tried contacting Mohela to discuss my findings. However, Mohela has turned off the ability to reach any of the representatives. 

I would like my file reviewed again under the limited PSLF waiver and be given credit for my qualifying payments. 

I look forward to hearing from someone. 

XXXX
Complaint sub-issue: Account status incorrect

This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent inquiriesand public record listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXXXXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy XXXX. THIS ITEM DOES NOT BELONG TO ME! 
XXXX # XXXX. 
Inaccurately posted on XX/XX/XXXX.
Complaint sub-issue: Account status

XXXX XXXX XXXX XXXX, XXXX - Address : XXXX XXXX XXXX XXXX, MI XXXX was sent by XXXX XXXX to collect a measly debt from me which was really unauthorized in the XXXX. I agreed to their offer to pay {$34.00} and then they went and put it on my credit report costing me an extra quarter point on my home mortgage. They offered the settlement. I would never have agreed had I known they would do this. At this point I 'd be willing to pay the bill in full if they will remove the negative report. My other option is to go to small claims court.
Complaint sub-issue: Didn't receive enough information to verify debt

Letter dated XX/XX/XXXX, did not get in the mail until XX/XX/XXXX stating I owe money for something I have no idea what it is for. Says the account was created in XXXX principle balance XXXX and interest of XXXX interest and fees of XXXX. Saying this was sold to XXXX. 
Received another letter dated XX/XX/XXXX did not get not get in mail until XX/XX/XXXX. 
Sent Resurgent a notification to let me know what this account is for, currently waiting on their response. 
Also why would it take them 4 years to contact me?
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to inaccurate reporting in a collection account that does not have any information in the creditor there for impossible for me to verified the validity of this account, this inaccuracy reporting should be removed immediately, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please XXXX XXXX XXXX XXXX, GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

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. 

I demand the following accounts be verified or removed immediately. 

Collection account ( {$460.00} ) XXXX Unverified Account XXXX XXXX XXXX XXXX Thank You,
Complaint sub-issue: Their investigation did not fix an error on your report

I ordered a copy of my report XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Credit information is being reported as delinquent, when I paid it off years ago.
Complaint sub-issue: Debt is not mine

In XX/XX/XXXX, I received an collection letter from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I called the phone number XXXX asking about this collection letter for {$2000.00}. XXXX XXXX stated it was for Maintenance fee for XXXX XXXX XXXX. I told him that this debt was n't mine. They gave me the address in XXXX and my daughter and I went to XXXX XXXX XXXX with the letter. XXXX XXXX XXXX said they do not show a timeshare in my name nor ever had my name on a timeshare with them. They said do not pay this debt collection since it was n't a valid debt collection. This bad collection account was put on my credit report in XX/XX/XXXX and was removed in XX/XX/XXXX. I started getting collection phone calls, I reported the harassing phone calls to the police. The Police Chief said to change my phone number. So I changed my phone number. My new phone number is under my daughter 's name and how they got the phone number I do not know. The calls have started back today XXXX. I received in the mail dated XX/XX/XXXX another collections notice from OMEGA RMS. llc Moving forward XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone Number XXXX. And now they want {$4800.00}. The statute of limitation in XXXX is XXXX years. Enough is Enough. I want the harassing letters and phone calls to stop.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this 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 transunion 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 4 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 XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Account information incorrect

I submitted a letter from XXXX XXXX XXXX stating the balance as of today is {$0.00} and a payment of {$330.00} was made on XX/XX/2017.
Complaint sub-issue: Was not notified of investigation status or results

I am Submitting this complaint because illegal practices were preformed and despite numerous attempts this debt has not been verified or validated. Amounts have been changed the account has been removed and re added without any written reasons why or that it was being re added, i have XXXX 120 day late payments i can see but this is not the original creditor so any extra fees and late payments or not valid as i never made a payment and have been disputing this for years. In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}. In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00} In XX/XX/XXXX Account Was Removed and Re Added on The Same Day XX/XX/XXXX There is a 120 Day Late Payment, XX/XX/XXXX There is a 120 Day Late Payment, XX/XX/XXXX has a 120 Day Late Payment. I Never Made a Payment Arrangement and I Have Never Made any Payments To This Company It is a Highly illegal Practice I asked to both validate and verify amounts owed, the breakdown of why i owe these amounts, proof that i am responsible for this debt, a contract with my signature on it and have yet to get any response or validation or verification but they say account has been verified how was this done also throughout this entire process they close then open the account
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX  XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX, Account Number # XXXX Account Name : XXXX XXXX, Account Number # XXXX and Account Name : XXXX XXXX XXXX, Account Number # XXXX Has violated my rights. 

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

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

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Complaint sub-issue: Charged too much interest

I have a credit card with CITI/AA Advantage Platinum Select Card where l had a balance of {$1000.00} last month. 

In XXXX billing statement I paid this balance in FULL - in the amount of {$1000.00}, and it appears on my XXXX billing statement. 

However, despite my FULL balance was paid on time, CITI charged me {$16.00} in " interest '' on some mysterious " balance '' of {$920.00}. 

I consider CITI Card practices as deception and unjust enrichment at my detriment and respectfully request for stop such unlawful interest charges.
Complaint sub-issue: Problem with fees

I went to macy 's and spent about XXXX $ worth of clothing the week before covid 19 was known. I have gone through XXXX XXXX XXXX XXXX  and a XXXX XXXX XXXX. I needed to return some of the items. I told macys that I can't pay the bill until I return the items b/c I dont ' know how much to pay. they told me ok. Then in middle of summer the credit people called me and I told them I would pay some of the balance if they stop harassing me and calling me 4 times a day as long as they give me time until my dr says ok to go to malls. finally dr said I can go and I went right away and returned XXXX dollars worth of merchandise. macys refuses to take off 2 late fees and all the interest. I told them probably 30 times with 30 diff representatives that they are harrasing me and I will pay everything I owe but will not pay any interest or late fees b/c it was not in my control. offered to get them a dr note. they would keep me on the  phone for an hour and at the end say there is nothing they can do. will not take off. finally today I called myself so I can try to fix this finally and spoke to a manager by the name of XXXX XXXX. He was extremely obnoxious and yelling at me to let him talk. I was shocked. he again said he will not take off the late fees.Macys is harassing me and trying to steal from me. it is not honest and I feel they are being XXXX. it doesn't have to be a religion. they are taking advantage of me b/c of my XXXX XXXX XXXX. I want to call my lawyer but dont ' have the money now due to my business being pushed down b/c of covid. I would live to report MACYS CREDIT CARD for HARRASMENT AND TAKING ADVANTAGE OF ME and LYING TO ME. How do I proceed with this?
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX IXXXX 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: Information belongs to someone else

I am a victim of identity theft and my name was part of a recent breach where my personal information was leaked. As i take notice of my credit report i notice that i have two accounts that aren't recognizable to me and don't belong to me. I have contacted the FTC, the attorney general office. I've sent out certified letters a few months ago and i haven't received any results. It's been more than 90 days and that is a violation. If it's more than 30 days of an investigation and it's more than 30 days that is a problem that has to be honored and considered. 

RE : Intent to file lawsuit, HIPPA Privacy Violation Validation Letter Account : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX Inquiries : 1. EQUIFAX MTG 2. XXXX  XXXX 3. XXXX XXXX 4.  XXXX To Whom It May Concern : Please be advised I have requested validation not verification of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. 
Credit Bureau did NOT provide me a HIPPA release that releases my medical information to anyone, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/credit bureau should this item not be deleted within 3 business  days i will seek litigation, and look to be compensated for the damage that was done to my credit report and my life allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Florida XXXX
Complaint sub-issue: Information belongs to someone else

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were 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. The items listed below were not mine : 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 {$400.00}.
Complaint sub-issue: Account status incorrect

This account has been closed for 7 years and shouldnt be reporting to the bureaus any longer. It was paid in full and closed with no issues and is showing as derogatory on my credit reports.
Complaint sub-issue: Didn't receive enough information to verify debt

This debt collector could not provide proof of debt or original signed contract per my written request.
Complaint sub-issue: Information belongs to someone else

The following accounts are fraudulent and should not be on my credit profile I WANT ALL OF THE FOLLOWING ACCOUNTS BLOCKED AND REMOVED IMMEDIATELY XXXX  : XXXX XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX XXXX XXXX Account number XXXX Collection openedXXXX XXXXXXXX, XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Equifax : XXXX Account number XXXX Collection opened XX/XX/XXXXXXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXXXXXX XXXX XXXX XXXX  Account number XXXX Collection opened XX/XX/XXXXXXXX XXXX : XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Collection opened XX/XX/XXXX 2020
Complaint sub-issue: Problem with statement of dispute

I have contacted Equifax several times to remove my fraudulent inquiry from XXXX. Still it is not removed and it has taken more than 30 days. I sent them dispute by certified mail and they received it on XX/XX/XXXX. I am attaching also a letter from creditor confirming that inquiry should be removed.
Complaint sub-issue: Information belongs to someone else

I've been a product of identity theft since XXXX and XXXX. I did not open an account with XXXX Acct # XXXX, I've been trying to get this resolved since XXXX of XXXX. As a result, I've filled an identity theft report, Affidavit of Truth, and a police report.
Complaint sub-issue: Information belongs to someone else

ForseveralyearsnowIhavebeentryingtogetXXXXXXXXXXXXXXXXandXXXXXXXXXXXXtoremovetheFRAUDaccountsthatwereopenedbyXXXXXXXX.IhavesuppliedtheCreditReportingAgencieswiththepolicereportandFTCfraudaffidavitandsaidtheyhadtoremovetheblockthisisnotrighttheyfailtoshowmewhereiopenedeitheroneoftheaccountandatthetimewasworkingoverseasfortheXXXX.SoiamrequestingthatthefraudaccountsbeblockedandremovedperstatueFRCA605BUSC15.Itsliketheycanshowastatementandtheyhaveenoughevidencenotheneedtoproveitorremoveit.


XXXXXXXXXXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The following Inquiries I do not recognize : XXXX XXXX XXXX XXXX XXXX/XXXX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX EQUIFAX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX2022 Also, I have included my credit report showing the inquiries mentioned above. XXXX is charging me for two inquiries on the XXXX XXXX date of XX/XX/2022 it was duplicated please help me correct this.
Complaint sub-issue: Need information about your loan balance or loan terms

I am currently enlisted in the PSLF/IBR program. Because the loan has been transferred among different federal providers they will not give me an accurate amount of payments received by them towards my repayment. Each call I give to company tells me they are months behind and no timeline for actual accurate count of months I have paid. Without telling me if I am still enrolled in the program I am unfairly paying higher interest rates with federal program instead of switching to a private lender. They are charging me interest for the loan however not responding to questions I need to make a fair decision.