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

I am writing to bring to your attention the continuing refusal of FedLoan Servicing XXXX XXXX  ) to certify my Public Service Loan Forgiveness ( PSLF ). I've written to you about this matter in XXXX, XXXX, and XXXX. FedLoan continues to fail to resolve the situation, though the problem they articulate changes. Even with the recently announced changes in the PSLF program, XXXX has demonstrated a pattern of systematically denying PSLF relief, exhibiting frequent careless errors, lack of communication, lack of transparency, and poor service. 

Despite 17 years working in public service amounting to at least XXXX qualifying payments, FedLoan has to date credited me with only XXXX payments. I am burdened with over {$35000.00} in student loans, most of which I have carried since I graduated as an undergraduate in XXXX. This large debt, combined with my choice to make a relatively low income in public education, has prevented me from getting housing loans due to my high debt-to-income ratio. 

In the last round with FedLoan, I did a full accounting, re-submitting employment certification for at least XXXX qualifying periods, waiting for two months for an answer from FedLoan. They responded with 7 letters, detailing non-existent errors in the certification forms ( allegedly missing XXXX and answers that are clearly provided on employer certification ), neglecting important details ( overlapping employment ), denying me once again PSLF relief. I resubmitted my PSLF Application and Employee Certification. When I tried to call FedLoan 's customer service, I waited more than XXXX hrs before my call was suddenly dropped. 

Please look into my case once again and see if we can help not only my case, but the hundreds of thousands of borrowers that FedLoan is withholding their rightful Public Service Loan Forgiveness. 

Thank you for your time, attention, and advocacy. I have attached a few relevant documents.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Purchased a dryer online through Sears using a Mastercard. Sears charged the card for {$930.00}. My card was immediately flagged for fraud alert by Citi MC. I called and confirmed the charge. My receipt said " Scheduled for Delivery : XX/XX/XXXX. We'll call you the night before your delivery to confirm your delivery window. '' No call received on XX/XX/XXXX. No call on XX/XX/XXXX. When I called Sears, the representative said that I HAD to call to schedule delivery. This is NOT stated anywhere in my receipt, on the Sears site, nor in my confirmation email. I waited on the phone for an hour. My credit concern is -- - Sears is violating the terms of their vendor agreement with Citi MasterCard by charging my card and falsely stating the delivery procedure. Furthermore, the procedure stated by Sears is false and misleading. I still do not have the dryer and there is no date scheduled for delivery. But, my card has been charged {$930.00}. I still need the dryer. MC is allowing vendors to operate outside of the terms of their agreement - stated here : https : XXXXXXXX. I am concerned that if i cancel the purchase - i will be charged by MC for confirming then cancelling the charge -- and Sears will hold me liable for the purchase.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

VICTIM of their inquiry issue! 
Customer Service would not help and take care of the negative inquiries reporting. Customer service was Extremely rude and vulgar. 


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 XXXX ACCT # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # 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: Deposits and withdrawals

To whom this may concern, I recently opened up a bank account with PNC and deposited very large check, that was successfully deposited. In the middle of me trying to withdraw the funds to use, PNC bank froze the accounts and all my money because I feel they do not want me to remove my cash and funds from their institution. Their reasoning is that the security and investigations department thinks there is fraud going on. But clearly there is not because I am the only person who knows about the account And the only person who has access to the account. Ive tried calling PNC Bank several times over the last 2 1/2 weeks and I have not gotten a clear answer on when my funds will be available. I need these funds because they are my source for paying for my mortgage and all of my bills so that my family and I can stay in my home that I have worked so hard to build and make. The answer I get from PNC Bank is that there is no clear timeframe when my funds will be released in accessible.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover the breach via social media. 

This is an undue burden from a company I have never chosen to do business with ; they are a vendor of my vendors/creditors. Please take prompt and decisive action to ensure I am compensated for their negligence. 

I discovered my information may have been compromised on XXXX XXXX, 2017 via Equifax 's website : www.equifaxsecurity2017.com.  After checking to see if my information was compromised, I received the message : " Thank you -- Based on the information provided, we believe that your personal information may have been impacted by this incident ''. I then immediately placed a 90-day Fraud Alert with Equifax, XXXX, and XXXX, and froze my credit with Equifax.
Complaint sub-issue: Investigation took more than 30 days

INformation on the credit report with XXXX XXXX XXXX and XXXX XXXX was removed and it appeared on my credit report. It has been over 30 days since I have filed a dispute and they state that the information is correct from the furnisher and when I contact the Creditors or debt collection agencies they state that they never disputed any information with XXXX, Equifax, and XXXX. 

I have asked XXXX, Equifax, and XXXX whom they verified the information through and their statement are outside vendors and there are tons of those. I want to know which vendors they are using to get this information. 

When Notifying XXXX, Equifax, and XXXX. They will not let you dispute information again. This should be illegal for them to do so. I would like for all three CRA send me a most up to date credit report ASAP.
Complaint sub-issue: Public record information inaccurate

Under the new law effective XX/XX/2017 any public record data must include name and address as well as SSN or DOB in  order for it to appear in your credit file. The credit bureau can not verify the BK, ( because the court doesn't share information with credit companies ). This credit bureau has not updated the information and per the new law the bankruptcy listed does not include this information and should be deleted from my credit file.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello, I have hard inquires on my credit report I would like to get removed I have not received loans by any lenders and I have not authorized these things please help me remove my inquires as far as my credit report. 

Thanks
Complaint sub-issue: Other problem

This is rebuttal from Citi 's response. I did receive the letter however there was no payment history received!!! All I received which has been attached is only a typed letter from the company with date but there was NO evidence provided to back up the letter they mailed. I WANT TO SEE THE PAYMENT HISTORY. I was not asking about the release of debt I was asking for the actual payment history.
Complaint sub-issue: Account status incorrect

One credit bureaus saying account is closed which are split to multiple different accounts for student loans. XXXX  doesnt even have student loans listed. The fcra states that all accounts should be 100 % accurate. Ive tried multiple times to get them removed only to just get them updated on equifax and XXXX. Also the dates are off and not same for date of first delinquent. These accounts are to be removed from credit immediately due to fair credit act thank you my credit has suffered drastically to the point I cant get housing I have trouble getting some employment due to information that is almost 8 years old.
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 719XXXX has me at a score around 590. 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 XXXXXXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Threatened or suggested your credit would be damaged

They have been reporting this account illegally to my credit report. I have disputed this account through the credit bureaus as well as directly to the XXXX XXXX by certified mail asking to verify this is a valid debt several times and have yet to receive a response from them. Last certified mail sent which I know they received was XX/XX/XXXX and still no response to that one. They are beyond the timeframe to Respond and are in violation of FCRA and FDCPA.
Complaint sub-issue: Received bad information about your loan

I am the cosigner on a loan and receive statements from Discover Student Loans. I did the math on a recent statement and found that the actual interest rete being assessed was 10.768 % while the statement had an interest rate of 8.365 % listed. Also the information that is given to the student that is paying the loan back is different than the information given to me and the effective interest rate is higher than the published rate on that statement as well Can they get away with this deception?
Complaint sub-issue: Transaction was not authorized

I have multiple XXXX unauthorized charges on my Citibank Debit card. I calle dand opened the dispute and received affidavits to fill out. I filled them out and then started getting additional letters stating they did not receive the information requested, when in fact I did send everything back. I called two times and spoke with Supervisors stating they would take care of the miscommunication. I explained I don't have any additional information to provide. You can only dispute a charge with XXXX through online forms that require trip details plus my debit information including expiration date. I don't have detail to provide because I didn't take the trips, which is where my dilemma. Citibank keeps closing my dispute and sending me the same letters I've called in about and spoken wit Supervisors about stating I didn't provide info. I'm in an endless loop of letters. I want Citibank to investigate the disputes. The info I've provided is all I have. I have nothing else to provide. Can someone truly investigate these charges fully. I did not take these trips and don't want to be penalized for XXXX sharing my debit card info.
Complaint sub-issue: Didn't receive enough information to verify debt

To whom this may concern, I sent a debt validation letter to Jefferson Capital System on XX/XX/2021. In which I never received a response back, yet they are still reporting to the credit bureaus.
Complaint sub-issue: Reporting company used your report improperly

Mishandled my information, which puts me and millions of other people at risk. I also am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Ordered a product online in XX/XX/2021 from XXXX, XXXX XXXX, NY. I never received the item and since it's been so long, I forgot what I ordered and never received a confirmation for the order. In XX/XX/XXXX ) Citi sent XXXX a copy of the dispute and asked to their explanation. The explanation that was sent back, had absolutely nothing to do with the item I bought. 
Now, Citi is asking for documentation on my purchase which I do not have nor do I have a record of what I ordered. I was never sent a confirmation on my purchase. 

Credit Card ending in XXXX
Complaint sub-issue: Attempted to collect wrong amount

I was renting an outdoor storage space from XXXX XXXX located at XXXX XXXX XXXX XXXX, NC. XXXX and on XX/XX/XXXX I notified them I would be vacating the property on or before XX/XX/XXXX through the XXXX XXXX XXXX XXXX XXXX I received confirmation of my move out date and did not reenter the property after XX/XX/XXXX. On XX/XX/XXXX the app notified me I had a pending payment due for XXXX which I promptly called the XXXX XXXX XXXX # and spoke with a party to discuss my previous move out statement and timing. The attendant told me not to worry once the location returned they would review my history and complete my move out date of XX/XX/XXXX. On XX/XX/XXXX I received a letter from Allied Interstate LLC who stated they were a debt collector pursuing the charges on behalf of XXXX XXXX. I explained my situation in both an email and by phone which resulted in no additional action taken to absolve the amount pursuant by XXXX XXXX. It is unreasonable that XXXX XXXX never contacted me and only immediately sent this to a debt collector who at this time is pursuing charges not owed.
Complaint sub-issue: Account terms

The account XXXX Date of First Delinquency has been re-aged on my Equifax credit report as 2014. This account has been delinquent since XXXX. The account has never been brought current. 
Line Item : XXXX XXXX, acct number XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SC XXXX Line Item : XXXX XXXX XXXX, XXXX LLC. Attn : Research Dept., XXXX XXXX XXXX , XXXX FL XXXX I have disputed this information several times with the disputes department at Equifax. The information will be corrected and then re-aged again.This information has fallen off of my XXXX and XXXX file. I am working hard to correct my credit mistakes and this matter is causing me great distress. I am respectfully asking for your help. 
I have enclosed a copy of my original loan payment history from XXXX ( original loan holder ) with the clear first date of Date of First Delinquency as XXXX ( no more regular payments made after that point, escrow is in the negative ) as well as a copy of my Chapter XXXX bankruptcy from XXXX ( XXXX behind in payments ), making it currently XXXX XXXX XXXX. This account has continuously been sold and resold. XXXX ; XXXX XXXX XXXX then re-added to my credit report and now re-aged. This is a fraudulent practice.
Complaint sub-issue: Their investigation did not fix an error on your report

I made several attempts to let a Equifax, consumer reporting bureau know that there are items on my credit repot that is not mine but yet they continue to report these inaccurate items on my report i.e. addresses and accounts.
Complaint sub-issue: Funds not received from closed account

The PNC closed my account and sent a bank statement saying I have XXXX but still have not paid it but keep promising it daily. 
Could you get me my check.
Complaint sub-issue: Seized or attempted to seize your property

This credit reporting agency is accepting inaccurate, and incomplete information on my credit report that is causing great damage mine representation.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) account # XXXX, also 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 a account without my written instructions
Complaint sub-issue: Problem cancelling or closing account

XXXX Bless,,, ,Im very concern about these medical bills that has my life a bit sour .... Iam XXXX,,, I 'm on XXXX/ XXXX ... .Before I became XXXX..I was on XXXX..Please overlook at this problem, I am trying to fix my credit, it is very hard when my income is counted for to pay my rent, vehicle, insurance, utilities, my child 's school,,,, such a small amount I recieve monthly,,,,, Please bare with me and consider removing those from my record,,,,, also for the XXXX I sent them the boxes two years ago,,,, and as of XXXX,, I have XXXX and I am paying faithfully every month,,,, my van 2004 XXXX XXXX XXXX,,, Iam the cosigner, my father is the XXXX signer,, though I am the XXXX paying the auto loan XXXX faithfully for the past 3 years it is not fair that I do not receive any kind of credit! please consider ... ..Thank you great fully and sincerely!! Hope to hear from you soon!
Complaint sub-issue: Debt was paid

I don't know who this company is. The debt is showing up on my Credit report with a {$0.00} balance
Complaint sub-issue: Problem accessing account

XX/XX/XXXX I went to bank to make changes of POD on a CD. Branch Manager XXXX XXXX assisted me and I signed the electronical signature machine to make the change. I requested a hard copy for my records. He refused to give me one. Because a mistake was made, I had to return to bank on XX/XX/XXXX to sign an addendum to the POD, this time on paper copy. I again asked for a copy for my records and he refused to give it to me. He said I could not have a copy of what I had designated. I insisted I wanted a copy so I would have proof of what I was requesting for my family to be able to handle my affairs at my death. He still refused.
Complaint sub-issue: Funds not handled or disbursed as instructed

I used cash app to deposit {$29.00} into a different XXXX XXXX that I am a the account holder of. The funds should have been sent to my debit card. 

I used Cash App instant deposit which should have transferred the funds immediately. The funds never arrived/received by my bank. XXXX XXXX does not have the funds and has no record of receiving any funds and no funds are being held by XXXX. 

Cash App has refused to refund the missing deposit and/or provide me with a trace number
Complaint sub-issue: Their investigation did not fix an error on your report

I have received a response from XXXX an account on my credit report. Ill attach the documents that they sent me ; I asked for proof on a original signed contract with my signature. The letter XXXX sent me was stating I called and opened up an account give me verification that I did that. My information was stolen and multiple accounts were open without my knowledge, this is hurting my credit. It was no information about how they did their investigation. According to Section 609 of the FCRA you have to provide the proper documentation. Show me verification, show my signature on a contract or let me her my voice saying yes this is XXXX no Ill keep fighting to exercise my rights until something is done. Ill keep fighting for all consumers all over the world.
Complaint sub-issue: Their investigation did not fix an error on your report

I was a cosigner on my daughters student loans. The primary signer was XXXX ( my daughters mother ). Upon my daughters graduation, I was never notified of any amounts owed. The mail and delinquent notifications were being mailed to XXXX directly who lives in a different state. Unfortunately, XXXX and I do not have a good relationship and do not speak. We were never married but share a child together. I realized there was monies owed when the delinquency hit my credit. I am in real estate and monitor my credit through another agency. Maintaining good credit is crucial for my business. I reached out to XXXX notifying them that I had never received any mail or notifications. I paid off the loans in full ( approx. $ XXXX ). I would greatly appreciate if this situation could be investigated or can be taken off my credit report.
Complaint sub-issue: Account status incorrect

I took a personal loan of XXXX out through XXXX XXXX XXXX XXXX in the fall of XX/XX/XXXX. I became delinquent on the remaining balance of XXXX in XX/XX/XXXX. In XX/XX/XXXX, XXXX XXXX sued me and won a judgement in absentia and garnished my wages beyond the amount and fees owed. I disputed the validity of the debt in XX/XX/XXXX in XXXX County court where the garnishment was filed. I settled with XXXX, via a consent order, wherein, they would reimburse half of the garnishment, and I'd make payment arrangements to settle the balance. I have not had my funds returned. My attempts to contact XXXX XXXX, who represents XXXX in the case, have gone unanswered. Furthermore, XXXX XXXX has been paid in excess of the original balance owed, yet the company continues to maintain a lien on my property and is reporting to the credit agencies that I am delinquent and owe the full original balance despite the company being paid in full XX/XX/XXXX through an unlawful garnishment of my pay check.
Complaint sub-issue: Information belongs to someone else

I am very stressed out because I just found in my credit report strange accounts and inquiries. The point is that these items are not related to my transactions or any other activities. I do not know them an I see them first time in my life. Could you please figure put what is that and why I have unknow items in my report. When you do so, please delete them.