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

XX/XX/XXXX I contacted XXXX XXXX to have my direct loan transferred to qualify for student loan forgiveness. I am a XXXX XXXX with XXXX XXXX XXXX ( XXXX, OH ) and have been paying my loans on time since XX/XX/XXXX. I believed I would qualify for student loan forgiveness based on the fact that my student loan payments increased yearly. I believed I was on the correct payment plan. I was never told by XXXX XXXX that I wasn't on the correct plan. When I transferred to XXXX XXXX they also didn't tell me, my loan payment dropped to $ XXXX. I thought it dropped because I qualified for student loan forgiveness and they were reducing my loan payment because I would soon be done with paying my loans. I didn't realize I would not qualify for student loan forgiveness until XX/XX/XXXXafter I  called XXXX XXXX  asking when my loans would be discharged. I called XXXX XXXX and was told I would have to change my loan repayment plan and it would take another 10 years of payments to qualify for student loan forgiveness. I WAS DEVASTATED, IN TEARS!!! That would be almost 30 years of payments. There needs to be better communication from the loan companies, I had no idea I was on the wrong plan. I was told by XXXX XXXX nothing could be done even though I've been faithfully paying my loans on time for almost 17 years.
Complaint sub-issue: Information belongs to someone else

I like to file a dispute for fraudulent items on my credit report for the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXXXXXX Also please remove the following fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX. The report number XXXX and I have attached a copy of the ID Theft Report with this complaint. Please review.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Investigation took more than 30 days

I have written letters to Equifax now twice about things I saw on my report that were not right. Now I'm frustrated and stressed and read through some stuff online that they were supposed to get back to me in 30 days or take the items off. I need this stuff taken off now as it has caused me alot of stress and I'm trying to buy a house.
Complaint sub-issue: Debt was paid

I opened two wellness accounts with the XXXX XXXX Hospital for my two dogs.

First was opened on XX/XX/XXXX, second on XX/XX/XXXX. Every visit was paid the same day before we left the hospital and on top of those payments the XXXX was collecting monthly charges of {$64.00} every month on first for the first dog and {$42.00} for the second dog on XX/XX/XXXX every month by withdrawing it from my checking account and those funds were later used to pay for some charges for the dog 's treatments and wellness visits. Attached are all the bills and payments showing that everything was paid on time. Unfortunately my dog had to undergo surgery to remove the XXXX  in XX/XX/XXXX. XXXX was paid in full. The outcome was very bad, XXXX XXXX XXXX XXXX was XXXX and XXXX, XXXX  were nXXXX XXXX XXXX together and XXXX XXXX. The vet XXXX XXXX XXXX second time but it did not help and XXXX XXXX   again. I took our dog to the other clinic and was told that it was XXXX XXXX, dog was in very bad condition with XXXX XXXX XXXX and whoever did the XXXX did not do it the right way. We were told that the only thing we could do now was to XXXX the dog. So we did. I called XXXX XXXX  to cancel the membership on XX/XX/XXXX and asked them to stop withdrawal from my checking account but was told that it is impossible since I had to pay club membership for entire year from starting it, dead dog or not, coming for appointment or not. They kept withdrawing funds for the wellness club for BOTH dogs for the next several months until I closed my account due to identity stolen and money stolen from the account. At this point XXXX sold both dogs ' account to IC System and on XX/XX/XXXX they started collection activity that I have on my credit till now. They want {$300.00} for the dog that actually was killed by their veterinarian and {$160.00} for the other dog that was already under other veterinarian care. Like I mention all bills were paid at the time of their visit, and I even received refund for the overpayment for the dog that was later euthanized. My surviving dog had different veterinarian and I was paying her bills at the new place. I was not going to take my other dog to the place that killed my other one.
Complaint sub-issue: Was not notified of investigation status or results

I have been disputing this account for over a year and nothing has been resolved. 
PER 17 CFR 248.7 by law, XXXX XXXX XXXX XXXX and equifax were suppose to have sent me an opted out letter before putting any information on my consumer report, and they never did .They have been reporting fraudulent information on my consumer report I have sent in police reports and ftc reports and they continue to report illegally to my consumer report. Due to the privacy act of XXXX it is very illegal to obtain my information without notifying me first, I have no knowledge of this account i have no knowledge of who these person are. I have never given this company my information and the way my information was obtain is a privacy act of XXXX  concern. Per this federal law 17 CFR 248.7 I am opting out of this company reporting information to my consumer report. I do not want my information in their system due to the privacy act of 1974. According to 15 USC 1681C-2 They have XXXX days by law to remove the information from my consumer report I have sent them an opted out letter last month at this time both companies it is now willful noncompliance 15 USC 1681n .
Complaint sub-issue: Information belongs to someone else

I already send few times complaint to you and you still posting this account on my name! I have no idea where is came from and who applied for it. Im sure that someone have my personal information
Complaint sub-issue: Account terms

Equifax lowered my credit score by XXXX points in seven days. I tried to contact Equifax but was sent on a wild goose XXXX for over an hour, with no answers. 
No apparent change to my report. Other reporting agencies did not lower my score. 
I have been working to raise my score for a mortgage and do not need their crazy reporting PLease help
Complaint sub-issue: Personal information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX SS XXXX XXXX I am trying to get my address and personal information all correct and together. I was in contact with XXXX XXXX and I was told that I had to send in proof of address my information is being confused with another XXXX XXXX XXXX and I have never lived at these address listed below. I do not wish to file a police report unless I have to. Please delete these following addresses the are no a previous address or current address : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX CT XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, OH XXXX
Complaint sub-issue: Information belongs to someone else

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$3800.00} ; US DEPT ED XXXX Balance : {$3200.00} ; US DEPT ED XXXX Balance : {$3800.00} ; XXXX XXXX Balance : {$0.00} ; USDOE/XXXX XXXX Balance : {$0.00} ; DP OF EDUC XXXX Balance : {$3800.00} ; DP OF EDUC XXXX Balance : {$3800.00} ; DP OF EDUC XXXX Balance : {$3200.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Complaint sub-issue: Problem during payment process

My Citi Hilton honors card was closed in XX/XX/XXXX, as they decided to transfer the business to Amex. Mistakenly, I made one payment to Citi during the transition. The payment was in the amount of {$100.00}. This payment was not applied to my amex card, as I had to pay them the same amount and interest when I was notified my card was past due. Citi send me a letter dated XX/XX/XXXX stating that they have my payment, and a copy of the check, but they don't have an account to apply it to. ( letter has a reference number XXXX. I don't have my old Citi card number ) I've called 3 times. Once I was told to " wait '', once I was told to call Amex ( I did, they told me to call Citi ) and once I was bounced around to multiple people and then the call was disconnected. I also sent an email to Citi consumer complaints. No response. 

Its only XXXX bucks ... which quick honestly I could care less about. Its the principle of the matter, its the time I have spend trying to get it back, and its the thought that someone, some family who has nothing, and needs that XXXX $ to live, couple possibly be out the money and unable to get it back. In fact, I don't care if I get the money ... I just don't want Citi to have it. Donate it to a food bank, and send me proof.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX without 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. 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 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 XXXX  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
Complaint sub-issue: Information belongs to someone else

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make any charges. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

CREDIT REPAIR CONSUMER LAWS : Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


Fraudulent/Negative Accounts : XXXX XXXX  Account Number : XXXX Account Opened : Balance : {$330.00} Fraudulent/Negative Accounts : XXXX XXXX ACCOUNT NUMBER : XXXX Unauthorized Inquiries : Inquiry name : XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXXXXXX DATE:XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXXXXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX ] XXXX XXXX DATE XXXX XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX DATE : XX/XX/XXXX XXXX DATE XXXX XX/XX/XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXXXXXX DATE:XX/XX/XXXXXXXX DATE : XX/XX/XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

When I was purchasing a vehicle in XXXX XXXX and XXXX XXXX my credit was run by companies that I did not authorize. Majority of which I do n't recall even speaking too or receiving any information of them having ran my credit
Complaint sub-issue: Overdrafts and overdraft fees

I have been charged over {$20000.00} in overdraft fees over the last 12 years and Synovus will not renew my line of credit under my wifes name. She has a XXXX XXXX XXXX score. My theory is that Synovus just wants to keep billing me {$36.00} for every overdraft. They have charged me {$6700.00} ( overdraft fees ) since XXXX of 2017 alone. I also have hundreds of emails with Synovus employees where they have approved my overdrafts but declined my request for a line of credit to cover the overdrafts. I have never missed a payment of my line of credit/installment loan.
Complaint sub-issue: Debt was result of identity theft

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. I C SYSTEM XXXX Balance {$1400.00}
Complaint sub-issue: Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : - ; XXXX XXXX Inquired XXXX XX/XX/2022 ; XXXX  Inquired on XX/XX/2022 XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Complaint sub-issue: Personal information

You are reporting an incorrect address on my credit file. Please remove the following address : XXXX XXXX XXXX XXXX XXXX CORRECT ADDRESS IS : XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, GA XXXX
Complaint sub-issue: Debt was paid

The company did not ethically do the right thing they didn't process the claim properly and tried to destroy my credit even though I disputed the medical bill and when I told them to process the claim properly IT GOT PAID BY THE INSURANCE COMPANY. They guys destroyed my credit because of their incompetency.
Complaint sub-issue: Can't stop withdrawals from your account

** Thus is not a third party complaint** On XX/XX/XXXX I was attempting to pay XXXX to began the start of my business. I had the necessary funds needed to complete said transaction except my card continually got declined. So seeing the declined messages made me go check my account because as I've stated I had more then enough to cover the transaction. I called my card company after seeing that {$250.00} dollars was taken out of my account for no reason as all of my attempts at my transaction were declined. I had no resolve until the third call where I was told that could expedite the cancellation of the transaction. I was even told to call the merchant in which I did and that did not have anything in their system about my transaction. This has put me in a real bind as I was looking to start my company and have the rest of my funds to take care of my daily personal needs gas in my car clothes washed etc. No matter how many different reps I spoke to at Credit Karma and told them a declined transaction should not have resulted in a hold on my account and they needed to release the hold they did not listen. My money is still on hold and in limbo because the merchant does not have it and neither do I. I had to borrow money to do my daily needs because of theirs company when a declined transaction should not have my money on hold.
Complaint sub-issue: Reporting company used your report improperly

I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

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

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.
Complaint sub-issue: Can't decrease my monthly payments

I am currently unemployed because the college where I taught full-time closed it 's doors! Before this time, the Federal Loan servicing company consolidated my loans, rehabilitated my loans, and removed me from the offset list. However, before such time, I paid my student loans back in XXXX ways while I was in default. The first way that I paid back my loans was through an agreement with the XXXX XXXX XXXX who was a vendor/collector for the XXXX. I agreed for them to withdraw {$170.00} per month from my checking account for at least XXXX years. In addition, the offset list was intercepting my tax returns for about XXXX more years and applying those monies towards my defaulted student loan debts. The problem with that reality is the Federal Loan Servicing corporation have not credited my student loan account for what amounts to XXXX of thousands of dollars that I paid. I want for every payment to be credited to my student loan account, and for my payments to be reduced due to my current financial hardship. I need to be able to pay back my loans based upon my current income, as I want to remain in good standing but I also want to be given credit for the monies that I have already paid and what already was applied to my student loans through tax offsets.
Complaint sub-issue: Was not notified of investigation status or results

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.