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

In accordance with the fair credit reporting act XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX and XXXX, 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 Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX  XXXX in accordance with the Fair Credit Reporting act 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: Don't agree with fees charged

For almost seven years, I have been paying on my student loans through American Education Services ( not who we chose, but the bank we got the loan through sold to this company ). I make my payment online. I also have been paying my brother 's loan for 4.5 years but his has had to be paid by check with very specific information so it goes to the correct loan ( which is what AES told us to do since his online account was blocked ). 

In XX/XX/XXXX, my brother started receiving late notices, though I paid his loan every month. At the same time, my normal monthly payment was different every other month. In XX/XX/XXXX, we finally realized that AES was applying the payments I was sending for my brothers account ( with the very SPECIFIC information that I had sent for 4.5 years with no issues ) to my account. I was able to speak to a supervisor and she was able to see what happened. She said they would take that money out of my account and put it back in my brother 's, but that my account would show a delinquency. I thought that was wrong since I had done nothing wrong and had fixed their mistake for them, but said I would make up the difference for what they took out of my account ( {$520.00} ). Which I did, in less than a month ( I called them XX/XX/XXXX and paid in full by XX/XX/XXXX ). The same day I made the final payment to correct their mistake, I got a notice from credit reporting agencies that my credit score had dropped XXXX points. My credit report also shows that I have 60+ days delinquency on these loans when I was NEVER late. Because they misapplied payments, then I corrected them, I was hurt for it. What they made to show online was that I had been late every month since XX/XX/XXXX so they charged me a late fee every month. AGAIN, I was never late. They were misapplying the payments. I was paying on time every month. 

I have submitted XXXX credit disputes with them and have had no luck. They are still continuing to say I was delinquent. 

On top of that, the next month, after we had this all straightened out, they misapplied his payment AGAIN. When I called to tell them I would not pay the balance on the screen ( that was the wrong amount since they had put my brother 's payment in my account ), they could n't understand why I would n't make that payment. Then after I made the correct monthly payment, I got a notice saying I was 18 days late because they misapplied my correct monthly payment and only paid XXXX of the XXXX loans I have with them. 

They continue to make mistake after mistake and take no responsibility for it. I have said to them " you would be fighting this too if it was your credit '' and they never deny it. Even an XXXX customer service rep could n't believe what was going on. 

If I had made this mistake, I would own up to it and take care of it, but I am being faulted for something I did not do wrong. It is not right.
Complaint sub-issue: Investigation took more than 30 days

Today is now XX/XX/XXXX, on XX/XX/XXXX, I sent in a letter to Equifax regarding incorrect accounts, false personal information and unauthorized inquires I noticed on my credit report. It is my understanding under federal law an investigation is required and shall be conducted before the end of the 30-day period beginning on the date the agency receives the notice of dispute. Under the Fair Credit Report Act, I will again note that my letter was sent on XX/XX/XXXX. It has now been over 50 days for this reason alone by law all disputed items must be deleted from my credit report. I will add that these accounts are incorrect, inaccurate, and violate my rights as a consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus ( " DATE OF PREVIOUS LETTER '' ), but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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: Sued you without properly notifying you of lawsuit

A collection company PMGI Financial Inc ( XXXX XXXX managing member/owner ) used their Inhouse attorney XXXX XXXX XXXX to file a time-barred debt collection law suit against me. The original creditor is XXXX XXXX who sold the debt to XXXX XXXX XXXX and the collection processes continued. 

The partner law firm of XXXX and XXXX law firm thereafter proceeded to file various documents, some of which without serving me, until they obtained a Judgment. 

PMGI Financial Inc do not have a permissible reason to run my credit report. The neglectful actions of this firm has caused me furthermore financial harm. Due to my seriously distressed financial condition, it has been quite difficult to progress in a new line of work that I need.
Complaint sub-issue: Account terms

I authorized XXXX XXXX to do a credit inquiry for financing, I did NOT authorize XXXX Bank, XXXX Bank, or XXXX Bank to do an inquiry. These are for the same thing - a motorcycle loan. Can you please remove all but the XXXX XXXX XXXX??
Complaint sub-issue: Their investigation did not fix an error on your report

I currently have two negative credit items on my reports that is over 10 years old from the date that I opened them. By law after 7 years those accounts are supposed to be deleted. I disputed the accounts and it looks like they just updated dates and never removed them. 
The accounts are : XXXX XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX date opened:XX/XX/XXXX
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 30 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Information belongs to someone else

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XX/XX/XXXX, XX/XX/XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : ( Original Creditor : ) XXXXXX/XX/XXXXXXXX XXXX Original Creditor : XXXX XXXXXX/XX/XXXX ) XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXXXXXX XXXX
Complaint sub-issue: Received bad information about your loan

American Education Services is incorrectly reporting loan amounts I received from XXXX College. I  received only one FFELP loan from XXXX College in the amount of {$1700.00}. I attended XXXX College from Fall XX/XX/XXXXto Summer XX/XX/XXXX. The Master Agreement was signed on XX/XX/XXXX.  The original amount of the loan was {$1700.00} and the current balance is {$2800.00}. AES is reporting that I received and owe a total of five student loans, all from XXXX College. The Federal Stafford Loan issued on XX/XX/XXXX, is the only loan I received from XXXX College. The following is a list of loan details reported by AES : XX/XX/XXXX Federal Stafford Loan Repayment {$2800.00} XX/XX/XXXX Federal Stafford Loan Repayment {$5100.00} View Details for this entry XX/XX/XXXX Federal Unsub Stafford Loan Repayment {$3100.00} View Details for this entry XX/XX/XXXX Federal Stafford Loan Repayment {$3800.00} View Details for this entry XX/XX/XXXX Federal Unsub Stafford Loan Repayment {$7200.00} I have attempted to resolve this dispute with AES and requested a copy of the Promissary Notes for the aforementioned loans. AES provided me a copy of one promissary note, but was unable to furnish any proof that the loans owed belong to me. I have reached out to XXXX College financial aid office and they have verified that I only received one loan in the amount of {$1700.00} during my enrollment. XXXX College also agreed to contact AES. I am requesting AES to remove all erroneous, non verifiable student loans from my account.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I placed an order on XXXX XXXX 'XXXX website. They were having computer difficulties at the time, and I did not see my order go through. I was on the phone with a representative from XXXX, and we placed the order again. When I looked at my credit card statement, both orders where almost immediately charged to my statement. XXXX was incorrect ( wrong, charge, wrong amount of product ). I asked XXXX to remove the incorrect order, which they did the next day, after resolving their computer errors. They also issued me a credit, which they said would go through on XX/XX/XXXX ( because of the holiday ). 
They provided an incident number for me. 
I called them back in a week when the credit did not show up on my account. They said the credit had gone through on the XXXX, and might need a little more time to show up on my statement. I waited another week, and called XXXX again. XXXX   assured my the credit had been processed by them on XX/XX/XXXX. 
I tried to call Citi Bank. They have no phone numbers on their website but I tried to follow the online instructions for disputes. Since they were still listing the {$1200.00} charge as pending, I was not able to file a dispute. I initiated a " chat '' on line, and " XXXX '' said I had to wait XXXX days. 
How does a credit card company charge a card immediately, but it takes them XXXX days to credit an account? I believe the Citi 's game is to leave a big charge ( which the consumer knows has already been credited ) on an account. That way Citi can charge late fees and interest even though they have already been issued the credit.
Complaint sub-issue: Information belongs to someone else

i am writing to delete the following information in my file, the items i need delete are listed in the report i am a victim in identity theft and did not make the charge. i ask that the items be deleted to correct my credit report. i reported the theft of my identity to the federal theft admission, i also have enclosed copy 's of the federal trade commission identity theft affidavit. I will appreciate if you delete as soon as possible as it is a hindrance in my life to advance the events in my life style to provide a better life for my family.
Complaint sub-issue: Information belongs to someone else

Hello yes i was reviewing my credit report and realize that it is inaccurate information, I contact the credit bureau ( Equifax and XXXX ) on this matter, they redirect me to this site to file a report, Please im trynna resolve this in a civil matter. Here is the inquiries and address as follow 1. ) XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. 2. ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 3 XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, VA XXXX. XXXXXXXX   ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, FL XXXX, XXXX. ) XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, Tx XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with complaint number XXXX violation of privacy with reporting my information without my consent. XXXX XXXX XXXX PERMISSIBLE PURPOSES OF CONSUMER REPORTS. LEXISNEXIS is pretending they are not at fault with reporting my bankruptcy. They recently send me information stating it came from the credit bureau. This type of back and forth needs to be addressed with the Attorney XXXX office. I am holding XXXX accountable for allowing LEXISNEXIS to continue this back and forth
Complaint sub-issue: Trouble with how payments are being handled

Today I logged on to see my student loan account online on Nelnet. I have been mailing my monthly payments for the amount requested on my account statement I get every month from Nelnet.

Nelnet has been the new loan service provider since early this year ( XX/XX/XXXX or XX/XX/2018 ). I was shocked to see that since XX/XX/2018 until today ( XX/XX/2018 ) 100 % of my monthly payments have been applied to interest only - and per Nelnet Customer service this will continue every month. I understand that usually a large portion of the monthly payment goes to interest ( even though I've been paying these students loans for over 10 years now and the original principal is greater because some interest have been capitalized ) but the payment history shows since Nelnet took over my student loan, Nelnet has not been applying ANYTHING against the principal.

I called Nelnet today XX/XX/18 and was informed that payments are being applied according to my payment plan. How did Nelnet decide that? Again, Nelnet took over my student loan ( without my consent, I never signed anything with Nelnet ) and apparently has started to apply the payments differently than the previous company that had my loan. The company that serviced my student loan before Nelnet did apply a portion of my monthly payment to the principal. How can I ever finish paying my student loans if my payments are applied to interest only. Again, the amount I'm paying is what Nelnet is asking me to pay.
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, I sent XXXX XXXX  and Equifax 4 dispute letters to verify or remove accounts on my credit report. They do not verify the items just updated saying that it was unchanged. I have asked repeatedly to provide documentation or information verifying these items were mine. With 4 attempts, they have failed to removed any of the items, and have not produced any verification.

I sent letters to all 3 agencies XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In most cases they did not investigate at all. I would like the items in questions verified or removed, this is causing me great distress and hurting my credit score.
Complaint sub-issue: Seized or attempted to seize your property

Aldridge and Pite, LLP and XXXX  XXXX  XXXX, XXXX are attempting to collect a debt on behalf of XXXX XXXX XXXX. XXXX  XXXX  XXXX, XXXX, purports to be a mortgage servicer servicing a loan on behalf of an investor by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX as TRUSTEE OF CERTIFICATE HOLDER MULTI-CLASS MORTGAGE PASS-THROUGH CERTIFICATES, XXXX  XXXX  XXXX  XXXX  XXXX. 
However, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX as TRUSTEE OF CERTIFICATE HOLDER MULTI-CLASS MORTGAGE PASS-THROUGH CERTIFICATES, XXXX XXXX XXXX XXXX  XXXX ; has contended that they are not the owner of the loan, they are not the owner of the land nor are they in any way shape or form involved with any foreclosure proceedings. These documents were forwarded to Aldridge Pite , LLP Naturally, XXXX  XXXX  was asked to : Validate the Debt, Provide Accounting, Verification of Claim from their alleged client the XXXX XXXX XXXX XXXX  XXXX, A copy of the contact that binds both parties with signatures by both and or all parties, A Copy of any and all invoices from the XXXX XXXX XXXX XXXX  XXXX showing XXXX XXXX XXXX owes a debt to them, Any and all other proof a debt is owned to their alleged client The XXXX XXXX XXXX XXXX XXXXXXXX. 
The same questions have been asked for years and XXXX XXXX has not been able to provide any of the documents enlisted above. It is clear, a debt is not owed to the XXXX XXXX XXXX XXXX XXXX. However, XXXX XXXX XXXX XXXX keeps accelerating a fake debt on their behalf, which triggers the advertisement of a Non-Judicial Foreclosure Sale. This is not legal or lawful nor can they legally or lawfully foreclose on behalf of the XXXX XXXX XXXX XXXX XXXX  when the XXXX  XXXX XXXX XXXX XXXXXXXX stated on several different occasions by several different forms of communication that they in fact are NOT THE OWNER OF THE LAND OR HOME. An error has been made on the account that XXXX XXXX XXXX XXXX illegally holds on behalf of XXXX XXXX XXXX. XXXX XXXX XXXX XXXX are not interested in correcting the problem. If anything, they stand to financially gain from this error by imposing a debt that XXXX  XXXX  XXXX, XXXX nor the XXXX XXXX XXXX XXXX  XXXX had/have a vested interest in. Which means they would foreclose and profit from the proceeds even though they never made a vested interest in the collateral of the home or alleged mortgage note. Both XXXX XXXX and Aldridge Pite , LLP have violated : 15 USC 1692d 806 ( 3 ) 2. ) 15 USC 1692d 806 ( 4 ) 3. ) 15 USC 1692d 807 ( 2 ) ( A ) ( B ) 4. ) 15 USC 1692d 807 ( 4 ) 5. ) 15 USC 1692d 807 ( 5 ) 6. ) 15 USC 1692d 807 ( 9 ) 7. ) 15 USC 1692d 807 ( 10 ) 8. ) 15 USC 1692d 807 ( 14 ) 9. ) 15 USC 1692d 808 ( 1 ) 10. ) 15 USC 1692d 808 ( 6 ) ( A ) 11. ) 15 USC 1692d 808 ( 6 ) ( C ) 12. ) 15 USC 1692d 809 ( b ) 13. ) 15 USC 1692d 808 ( e ) 14. ) 15 USC 1692d 812 ( a ) without prejudice
Complaint sub-issue: Account information incorrect

I previously submitted a Disbute and complaint from cfpb to XXXX and the response was updated/the accounts was removed but its NOT! Its currently still on my credit report and it shows 36 late payments from these accounts thats closed XXXX XXXX XXXX XXXX I got these loans are duplicates Ive consolidated all four loans to a new one. XXXX told me I have to get them removed from the credit reporting company. This is really affecting my credit and its stopping me from purchasing a home, financing a car, and earning credit cards. Its listed as late 9 times for each account altogether its 36 late payments which should be illegal plus Ive had these accounts for over 7 years thats past the statute of limitations in Michigan please please remove these accounts.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I am being charged by Best Buy for a service that I did not request or approved. I made a purchase a service was provided for three months for free and then I had to cancel if I did not want to continue the service. I should not be charged for a service that I did not approve. I should not have to call to cancel a free service that was provided. The company is stealing money from me. This service should not be tied to a product unless authorized by the party who will have to make payments. These charges happened on XX/XX/2022, {$10.00}, XX/XX/2022, {$10.00}, XX/XX/2022, {$10.00}, XX/XX/2022, {$10.00}. This is not the first time that they have did this and refuse to refund the dollar amounts. They should not be adding a service to products otherwise people can go to other places to make the same purchase.