Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

Regarding account ending in : XXXX 15 U.S. Code 1692c- Communication in connection with debt collection, I XXXX XXXX XXXX XXXX Consumer, am demanding Discover Bank to Cease and Desist communication with my consumer credit report to all Credit Reporting Agencies on my behalf. Pursuant to 15 U.S. Code 1681a ( 1 ) ( d ) Discover Bank reporting to Credit Reporting Agencies is communication, and as of XX/XX/2022 I cease and desist Discover Bank communication. Failure to comply will result in many fines.
Complaint sub-issue: Trouble with how payments are being handled

Nelnet is misleading consumers regarding how excess loan payments are allocated. In XX/XX/XXXX, I learned that Nelnet had grouped two different loans ( different dates of origination and different interest rates ) so that my excess payments were misapplied. Nelnet had to " redisclose '' the lower interest rate loan, and as a result, I had to either ( 1 ) pay an extra {$300.00} a month ( in addition to my regular monthly payments ) to continue to make payments on my loan that were paid in advance or ( 2 ) make no payments on the loans paid in advance until they became due.

In addition, when I had them ungrouped, I gave special instructions to Nelnet that I wanted all payments in excess of my minimum payment to be allocated to the highest interest rate loan. I reviewed my account today and, with the payments having been inappropriately allocated in spite of my many calls to Nelnet, I once again called. They told me that the Nelnet policy was to apply excess payments to " the highest interest rate loans with the largest loan balance. '' In reality, they were allocating my payment to apply my excess payments to the lowest interest rate loan because it had the largest principal balance. They also had changed my autodebit amount ( again ) without my permission because, per customer service, FEMA issued a disaster declaration for my area and mandates that all loans be put in forbearance.
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

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

US DEPT. OF EDUCATION/XXXX  Account Number XXXX XXXX US DEPT. OF EDUCATIONXXXX Account Number XXXX XXXXXXXX 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

I have reached out to ALL 3 credit bureaus- XXXX XXXX XXXX XXXX Equifax several times to have this account with XXXX  ( name reported on my credit report ). The first time was for them to verify this account and send me documents of their method of verification and proof. I RECEIVED nothing but a stall letter saying that I the account was verified. The second letter I asked for a reinvestigation and they replied with the same letter and ignored my request. I also pointed out some violations on this account to the bureaus that was also IGNORED. This account have different information reporting from each bureau which lets me know that they are also in VIOLATION of Metro 2 Compliance. Each bureau is showing DIFFERENT account numbers on my credit report, HIGH BALANCE, LAST VERIFIED DATE, OPEN DATE, & CLOSED DATE, just to name a few. This information is INACCURATE which explains WHY the 3 credit bureaus CAN'T verify this account.
Complaint sub-issue: Funds not handled or disbursed as instructed

Using the online bill-pay service from our bank to our landlord, the physical check that was mailed by the bank arrived beyond the guarantee delivery window promised by our bank. When utilizing the bill-pay site, when a payment is selected to send on Monday the delivery date reflected is the following Friday. Our check arrived the tuesdat of the following week. This late arrival of the check incurred a {$75.00} fee ( plus {$10.00} each additional day ) from our landlord due to late payment. Our bank has a 5 day delivery guarantee for mailed checks or they will refund the fees. Upon presenting the bank with a printed statement from the property manager on their letterhead explaining the fee and late check delivery, the bank has yet to make good on its policy. It has been over 60 days of calls and visits and follow up on my part. Their position has changed several times, currently the bank is refusing to reimburse us the fee. 

It is unclear why they will not honor their own policy to their customers.
Complaint sub-issue: Problem cancelling or closing account

Well my identity was stolen and there were credit inquiries on my credit that I did not do, I called XXXX and XXXX they put a fraud alert and removed the items. I contacted Equifax 10 times 10 different phone calls with 10 different reps some said I needed a police report, other said I needed to contact the agencies reporting I tried to do both l, I went to my local police department and they said because there was no lost or damaged that it was only inquiries they ca n't file a report, I contacted all the companies some no response and others said the information verifies of course it does my information was stolen so I called Equifax back again and they said there is nothing they can do so I have to wait 2 years! That 's ridiculous when I 'm a Victim here there inquires not collection accounts just inquires which both XXXX and XXXX removed with no problem I do n't understand why I 'm being victimize more by this inconsiderate company I wanted to buy a house in a year do u think I 'm going to be able to with dozens of fraudulent inquires there representatives are insensitive and careless when it comes to my personal life I 've been back and forth with so many supervisors that says there nothing they can do why is there no policy or procedure for this kind of thing i ca n't force the cops to make a police report, i ca n't force the companies to delete who protects us the ones who did n't ask for our identity to be stolen its sad that I do n't have the back up like XXXX and XXXX secured me on this company is the worst I 've never dealt with anything like this before and it makes me think this company stole my identity since there so defensive to help me.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXXXXXX and equifax have not included an open account lowes XXXX XXXX XXXX credit card XXXX XXXX bank ) that was opened this year, this account is open, paid on time and now has a XXXX credit balance, pls have them to include this open acct
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting Act # XXXX has violated my rights. 

XXXX XXXX XXXX section XXXX States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Date : XX/XX/XXXX Agency name : National Recovery Original Lender : XXXX XXXX XXXX Amount ; {$1600.00} I sent multiple letters to the creditor as well as the credit reporting agency on XX/XX/XXXX ( XXXX and XXXX ) requesting VALIDATION of this account first class mail. The reporting agencies did not furnish requested documents supporting this is my account.
Complaint sub-issue: Account information incorrect

In accordance with the Fair Credit Reporting Act 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Accounts # - 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: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$8000.00} XXXX XXXX XXXX Date XX/XX/2020 2020
Complaint sub-issue: Investigation took more than 30 days

I have disputed items on my Credit report and it has been more then 30 days with NO result 's. The credit bureau is " Equifax ''
Complaint sub-issue: Reinserted previously deleted info

When I checked my credit report through XXXX few days ago there were XXXX hard inquire deleted then couples days later those inquires are added again.I think that is not fair.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am writing to dispute the following information in my file. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to improve my credit.     I have sent in formal letters to all credit reporting agencies, as well as faxes, and made several phone calls.     The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance  C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible   XXXX   XXXX   XXXX   XXXX   -  XX/XX/XXXX    XXXX   XXXX   - XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX     XX/XX/XXXX    XXXX   XXXX   XXXX      XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX     XXXX     XXXX   XXXX    XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX  Please remove these inquiries from my credit report immediatel y
Complaint sub-issue: Reporting company used your report improperly

I am
one of the many citizens impacted by the Equifax hack. I was never directly contacted by the company to inform me of this, even though they have my personal information. This XX/XX/XXXX, I was the victim of credit card fraud of over {$7000.00}. I do not know if this event is related to the Equifax
hack, but the timing is suspicious. Fortunately, my credit card company has reversed these fraudulent charges, but I have spent many hours on the phone resolving this issue.
In addition to signing up for the free credit monitoring service for 1 year, I plan to freeze my credit tomorrow morning. From what I have read, this might have a charge associated with it.
Complaint sub-issue: Investigation took more than 30 days

I placed a complaint to the CFPB regarding Equifax and XXXX XXXX on XX/XX/14 ( report # XXXX ) and still to date, the complaint is opened because Equifax did not do a proper investigation and has allowed the creditor XXXX XXXX to stay on my credit report after they failed to reply to the dispute/complaint within 30 days. It has been well over 30 days since I placed the complaint. XXXX XXXX has not responded to Experian regarding my complaint of my account having fraudulent charges, due to identity theft and about the charges still not being settled and regarding my balances on both credit card accounts ending in XXXX and XXXX being incorrect. The balances are incorrect and I am asking that Equifax remove XXXX XXXX and its balances from my credit report. XXXX XXXX was given plenty of time to respond to Equifax and the CFPB and they have not. It's been over 40 days since my complaint and dispute. This is a serious case, as my identity was stolen and fraudulent charges were made on my XXXX XXXX account and still to date, after 40 days, XXXX  has allowed it to stay on my report, even without the creditor XXXX XXXX not responding after 30 days. I would like for Equifax to remove both of the XXXX XXXX accounts. They have refused to respond in a timely manner.
Complaint sub-issue: Debt was result of identity theft

I received a letter in the US Postal mail on Friday, XXXX/XXXX/XXXX, from Zen Resolve stating that XXXX XXXX had placed my account with them for collection. The Zen Resolve statement shows that Zen Resolve started the collection process with XXXX XXXX on XX/XX/XXXX with a principal balance of {$1100.00}, interest of {$670.00}, fees of {$60.00} and a total amount due of {$1800.00}. I attempted to call XXXX XXXX and Zen Resolve, but it was after business hours. 

On Monday, XX/XX/XXXX, I called XXXX XXXX and they told me that they couldn't give me any information about the loan because it had already been sent to a 3rd party for collection. 

I also called Zen Resolve on XX/XX/XXXX and spoke to two employees, XXXX and XXXX, who informed me that they would have their manager, XXXX XXXX, send me the original loan documents corresponding to the Amplify Loan in my name. 

The documents were received on XX/XX/XXXX at XXXX XXXX via email from XXXX XXXX at Zen Resolve. After reviewing the loan documents, it was clear that this was not a loan I had ever applied for and I had been a victim of identity fraud. 

I sent an email back to Zen Resolve on XX/XX/XXXX at XXXXXXXX XXXX  stating the following : This XXXX loan by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the information attached is fraudulent. XXXX XXXX did not sign these documents, does not have this loan ( # XXXX ) and the bank account information is not his account. The name of the bank XXXX XXXX and the routing/account numbers ( XXXX are not accounts he has or has ever had. The email XXXX is invalid and not an email XXXX XXXX has or ever had. The phone number XXXX XXXX XXXX XXXX is not a valid phone number. 

We would like to file a dispute and have been informed by XXXX that we need to file a police report. We will do that shortly. What paperwork or information do you need to receive to for the dispute resolution? 

Please advise. 
XXXX At XXXX XXXX on XX/XX/XXXX, I received an email from Zen Resolve stating that we take fraud/identity theft seriously and requested that I fill out their FTC Identity Theft Affidavit, have it notarized and returned to them. 

I am currently in the process of completing the documents. So, far Zen Resolve has been responsive, but has asked me to include my FTC complaint report about XXXX XXXX with their packet.
Complaint sub-issue: Account status incorrect

I attended XXXX XXXX XXXX for theXX/XX/XXXX-XX/XX/XXXX academic year. I got excellent grades and I transferred to a school with a better reputation for better job prospects. Around late XX/XX/XXXX I began receiving bills from XXXX XXXX XXXX in the amount of XXXX dollars. I called the school to determine what the charge was from. I was told that my account was not settled and that they would refer my account to collections. When I asked what the charge was from they said it was my tuition. I told the school I already paid the tuition in full, and that was how I was able to transfer my transcript to my new school. 
It is common policy in American academic institutions to not release a students transcripts without paying their bill. I thought nothing of it, but the school referred the matter to a collection agency without telling me what the charge was for. When I kept getting collection calls, I called the school and a representative at the XXXX office told me that the charge was due to an " unnoficial withdrawal. '' I told them that I paid all the tuition and fees for the year that I attended and that this charge was unfair but they demanded that I pay it. I was a XXXX XXXX XXXX and had no money so I did not. In XX/XX/XXXX I passed the XXXX XXXX XXXX in New York State, I needed my transcripts from schools for job applications. When I called XXXX they said that there was a hold on my account and that this charge for " unnoficial withdrawal '' was sent to a collections agency. After a lengthy pleading process for leniency the XXXX, XXXX XXXX, agreed to remove the hold and forgive that charge. The annual tuition at XXXX was around XXXX dollars and we both agreed that charge for Unofficial Withdrawal, which I had no idea about at the time of transfer seemed unnecessary, petty and unfair. I did not withdraw from school, I transferred. Now the credit reporting company has reduced my credit score, and apparently noone was notified that my hold was released.
Complaint sub-issue: Can't temporarily delay making payments

I didnt know i had to renew my fed loan repayment account in XX/XX/XXXX & the balance went up by {$720.00} for a monthly payment. I make $ XXXX monthly for a household of 2 people. Once i realized this i applies for a income driven plan & was accepted. This {$720.00} payment made my credit score go down by over 80 points and Im trying to improve my credit & this isnt helping me at all. Prior to that, i was and right now i am in good standings & have been responsible. Please help me out by removing this off of my account
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). As I believe that this will cause me some inconveniences in my futures credit transaction, I would like this to be taken care of.
Complaint sub-issue: Other problem getting your report or credit score

I have contacted all XXXX credit bureaus via phone and mail over the past XXXX years to try and establish my credit report, which doesn't seem to exist. I have sent information by mail to establish my identity ( 2020 ), but I still can not access my credit report in any bureau.
Complaint sub-issue: Other problem getting your report or credit score

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/2008 PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident typeSingle family XXXX XXXX XXXX XXXX, XXXX XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX typeMultifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Resident typeMultifamily THESE NAME VARIATIONS DO NOT BELONG TO ME 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 Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, NJ 0XXXX