Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I 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. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person
Complaint sub-issue: Problem getting your free annual credit report

I've been trying to reach out to Equifax, they have not given me access to my CONSUMER REPORT and FAL REPORT. I have attached screenshots as proof. All I want is to have my CONSUMER REPORT and FAL REPORT. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). Equifax has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my CONSUMER REPORT AND FAL REPORT.
Complaint sub-issue: Trouble using the card to spend money in a store or online

On XX/XX/XXXX and Again on XX/XX/XXXX I attempted to activate a gift card that was presented to me at my XXXX  function in XXXX of XXXX. The Card package clearly stated that the funds last forever. Sadly, that appears to be a scam. At the time I received the card I did not receive the gift receipt. The card may have been registered to the giver in error, though I question that as I was asked for info that was inside the sealed package at the time of my registration attempt. 

On XX/XX/XXXX, it took six requests to speak to a supervisor who asserted that he could do nothing. I was requested to fax information which included my Drivers license and the back of the Gift Card. I was told by XXXX that I would hear back in 3 business days. That did not happen. 

I followed up today and was told that I needed the original receipt and again I explained that the receipt may not be in existence after 3 years and after another 5 requests to speak to someone who could resolve the issue, I was transferred to XXXX who again asserted that I needed the original receipt from 3 years ago. Again, I explained that it was a gift and I have no recollection of getting it at the time. When I questioned XXXX as to whether US Bank had reached out to the person that is allegedly registered as the owner. The response was No and nor would they. It was added that they assert that perhaps I had stolen the card. I advised them to go ahead and call the XXXX XXXX XXXX XXXX. They declined then shifted to lost as the problem. Again I was told that there is no person or process that would allow for this {$100.00} gift card to be used without producing a 3 year old receipt which likely no longer exists. I would gladly reach out to potential givers, however I was told that the original receipt would be required, no exceptions.
Complaint sub-issue: Problem lowering your monthly payments

My student loan servicer Nelnet has continued to Stonewall me and refuses to work with me when I call and ask them to lower the amount of capitalized interest on my account and does not tell me the amount of capitalized interest it would have been if and why they did not put me on a income based repayment plan the whole time. They have taken advantage of me including after I called when I accidently defaulted as I was still XXXX XXXX XXXX from a XXXX XXXX XXXX that almost resulted in XXXX. Instead they steered me astray and capitalized my interest 7 times in that same year, this information I retained from the national student loan database. They have capitalized my interest 17 times  on one of my unsubsidised consolidated direct loans. This in less than 7 years?? It is not right to do this. When I call they never send me paperwork or email documents that supports my question on how much would have the difference been if I was on the i.b.r. even the most recent time I sent my recertification paperwork for my loans for my i.b.r. payment plan a month early and called them to insure I would not have my loan status changed and they told me it would not. When I called again and talked to a supervisor I was informed they indeed " did not receive my documents on time '' and they once again manged to change my loan status on XX/XX/XXXXand changed it the next day on XX/XX/XXXX once again capitalized more interest. It 's criminal what they are doing to people and I have filed a complaint with the federal student aid ombudsman and the federal student aid feedback center but am awaiting results from the federal student aid feedback center before the ombudsman can move forward. I feel taken advantage of when I call these people and tell them I 'm homeless, have no job, am struggling fininacially or have serious medical issues and they failed to make my life easier, but instead train their employees to shaft customers instead of putting me on a i.b.r.. why  do they continue to make billions of dollars capitalizing as much interest as they can from struggling American citizens. I know that I 'm not the only one getting g taken advantage of and somebody needs to let these crooks know this is not okay. My case number for the federal student aid ombudsman is XXXX and my case number for the federal student aid feedback center is XXXX. Feel free to contact them as you have my permission. Please help me I 'm buried in debt and do not want to be financially XXXX by a shady company such as Nelnet.
Complaint sub-issue: Reinserted previously deleted info

Equifax has violated the terms of FCRA violation section 611 5 B ii. I have had XXXX accounts reinserted on my credit report without any notification. According to 6115 B ii the credit bureau is required to send me notification within 5 days with the statement that the information disputed has been reinserted and the business name and address of any furnisher of the information. I have NOT received ANY information, documentation, or communication from Equifax. 

I received investigations results on XXXX XXXX, 2016 and XXXX XXXX, 2016 stating that the following accounts had been deleted from my report. However, my most recent reports shows that these accounts still remain on my report. I have NOT received any notification, or verification for reinserting these accounts on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have the above accounts deleted from my report immediately as it 's a strict violation of 611 5 B ii
Complaint sub-issue: Problem during payment process

On XX/XX/2014 I had automatic payment and the payment didn't process and was rejected. I did contact to discuss with the company and they said they will be fix and not going to report on my credit since was an system error and I never was notified on time.I been trying to deal with this for quite a few time, but this affecting me since I been trying to get a mortgage and I can't get approved because this. I can get approved because this marked as late and the company don't help me with this unfair situation.
Complaint sub-issue: Information belongs to someone else

I have previously disputed with transunion, XXXX and equifax on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Complaint sub-issue: Received bad information about your loan

In XXXX, I reached out to XXXX  ( my loan was just switched from XXXX XXXX ) to inquire about loan forgiveness for Federal Government employees. XXXX explained that in order to certify my student loans my loans would have to be sent back to XXXX for servicing. 

XXXX contacted me and said they would need to review my employment record from XX/XX/XXXX and look and my payments and they will tell me the number of qualifying payments after their review. 

XXXX  finally reached out and stated that I had " 0 '' qualifying payments. I was told that " I was not in an income-driven repayment plan. '' The agent helped me switch over to the pay-as-you-earn repayment plan and recommended that I consolidate my loans to help pay them down faster. 

In XX/XX/XXXX, I was informed that there was a reversal on the decision and now ALL repayment options for the loan forgiveness program and that I needed to resubmit my request -- and I did. 

After reaching out the XXXX after discovering the reversal decision, I was told I needed to resend the original denial letter and resubmit a new form. After submitting this information, XXXX stated that I only had " 10 qualifying payments '' because my loan was consolidated in last year. 

The only reason I consolidated my loan was because XXXX initially told me I had " 0 '' qualifying payments because I was in the wrong repayment plan so I switched it. 

XXXX should consider those original payments starting with XX/XX/XXXX to present because the only reason my loan was sent back to XXXX was so they could review my loan for federal loan forgiveness program. Now my account shows that I only have 11 qualifying payments. This is false/misleading information from the student loan servicing entity to trick people into consolidating loans to lower their payments, but they are doing this to disqualify payments for their " loan forgiveness program '' scam. The only reason I considered becoming a XXXX XXXX was because of this program. Now, XXXX claims I have to work and pay an additional 9 more years. 

These loans include both undergraduate educations starting back in XXXX to more recent graduate loans in XXXX. I have paid my fair share. I just want the Department of Education to follow through on their claims to borrowers.
Complaint sub-issue: Didn't receive notice of right to dispute

Jefferson Capital put a collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I have no knowledge of this account with XXXX XXXX XXXX in the amount of {$2200.00}. They also stated per my credit reports that it was originally over XXXX XXXX dollars and that I made a payment last year. I have never made any payments and was never notified of this debt before it showed up on my report. It is fraudulent and not my account. Upon further research it has been found that even if this was a valid debt which it's not it would have gone to XXXX not Jefferson Capital Systems when they closed in XX/XX/2019. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any written agreement ( s ) between myself and the original creditor stating I agreed to pay alleged debt 3. Consumer address at which original account was opened 4. Date of first delinquency 5. Itemized calculation of alleged debt If Jefferson Capital Systems is unable to provide the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account deletion from all credit reporting agencies without further discussion of payment in full or partial settlement. This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation. Absolutely no phone calls. If correspondence is initiated by JCS in any manner other than permitted I will cease all communication ( invoking my legal right to request JCS cease communication ) with the presumption that the debt is invalid and that I own zero responsibility ( in part or whole ) for the repayment of said debt. Thank you for your assistance.
Complaint sub-issue: Account status incorrect

In or around XX/XX/2020 I filed a complaint with supporting documents requesting deletion of a XXXX XXXX account being incorrect reporting.
Complaint sub-issue: Reporting company used your report improperly

I sent letters on XX/XX/2022 about incorrect information on credit report. 

1. the credit bureaus has violated my rigths numerious of times. they violated my givrn rights unde

r 15 USC 1681. According to 15 USC 1681 section 601 A, states I have the right to privacy.

According to U.S.C 1681 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: Was not notified of investigation status or results

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 & the 30 Day demand to comply was sent on XX/XX/2020.
Complaint sub-issue: Talked to a third party about my debt

American Education Services in XXXX, PA failed to notify me of a delinquency on my son 's student loan ( I am a co-signer ) .They had previously called me of the delinquency and I called my son who said he would pay it. I had n't heard from them after that and I thought the matter was taken care of. It turned out it was not paid and I was never notified. Eventually 90 days went by. Without calling me or giving me a chance to pay the outstanding amount overdue 90 days, they sent the delinquency to the credit reporting agencies. Now have a negative entry on my credit report. Had they called me and advised me of the delinquency I would have paid it and avoided this problem. So now I have a negative credit entry on my record and they are refusing to correct it even after I filed for a correction.
Complaint sub-issue: Information belongs to someone else

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Complaint sub-issue: Don't agree with the fees charged

The fed loan servicing agency is mismanaging my loans. 

I had started student loan repayment in XX/XX/XXXX and signed up for autodebit. I have made payments on time every month, re-certified my pay yearly before XXXX which is when I went into repayment, and submitted my employment certification yearly. About 1.5 years into payment I noticed they were not counting my payments correctly and called the fed loan contact number and was told it would take over 1 year to review. I therefore called the ombudsman line for fed loan and they opened a review and were able to get my payments counted correctly. 

A new problem arose in late XXXX when I again re-certified my pay before the deadline in XX/XX/XXXX. I began the process of repayment in XX/XX/XXXX and was told I need to re-certify every 12 months. I have proof that I recertified every year in XXXX. They claimed I didn't recertify on time and capitalized my interest after this past year and are threatening to now go back for XXXX and XXXX and review and capitalize the interest for those years too. When I complained they said that they sent emails saying I needed to certify by a certain date. This is confusing to say within 12 months and then to send emails saying they want you to certify by a specific date. This is criminal and mismanagement of my account. I shouldn't have my interest capitalized because they are not clear in their rules about re-certification. Fed loan does not provide clear information about the definition about what re-certify in 12 months means. They are doing everything possible to make this a predatory practice. They expect borrowers to jump through hoops but they have no accountability themselves and purposely try to undermine borrowers from completing the program.
Complaint sub-issue: Information belongs to someone else

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Complaint sub-issue: Don't agree with the fees charged

On XX/XX/XXXX I took out a private loan for {$24000.00}. While I attended school the loan ballooned to {$30000.00} by XX/XX/XXXX. As of today, I've paid back {$37000.00} and as of XX/XX/XXXX, my total balance is {$20000.00}. My expected payoff date is XX/XX/XXXX and I was told if XXXX continue to pay my loan payments every month until the loan is paid off I would end up paying back anywhere from $ XXXX $ XXXX. National Collegiate Trust owns my loan and the loan is being serviced by American Education Services. I've written to AES and NCT regarding my loans and any kind of relief and have not received a response. When I call AES regarding my loan they refer me to NCT which says they have no record of my account. I am not sure what else to do.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX {$240.00} I challenge the accuracy, compliance and reportability of these listings.

There is no valid claim ... account was settled with original creditor ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Complaint sub-issue: Problem with personal statement of dispute

Per the FTC more specific the GRAMN-LEACH BLILEY ACT 15 USC 6802 ( a ) notice requirements. except as otherwise provided in this subchapter, a financial institution may not directly or through any affiliate disclose to a non-affilated third party nonpubic information, to a consumer reporting agency.

15 USC code 6802 ( c ) the consumer is giveing an explantion of how the consumer can exercise the non-discloure opition, to OPT-OUT
Complaint sub-issue: Debt was result of identity theft

I am writing this due to non-compliance with the CRA AND Department of Education They have failed to remove information that was affiliated with personal details that were challenged in the past. 

I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law
Complaint sub-issue: Their investigation did not fix an error on your report

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Complaint sub-issue: Their investigation did not fix an error on your report

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX XX/XX/XXXX {$1700.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$8500.00} XXXX Inquiries : XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

Credit bureaus continue to illegally report inaccurately/fraudulently on my credit reports which violates my rights as a consumer under the FCRA which states all bureaus must report the same accurate information. They continue to give me a hard time disputing the information.