Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

I had XXXX XXXX XXXX and I had in writing that I would be charge one price and then for several months it was this other amount and XXXX  I didn't like that and I did not sign a contract I canceled out. And then I went right down to XXXX XXXX  and returned the equipment. Now they say I owe this amount. No I don't I paid everything I was suppose to pay and returned all the equipment. I have been fighting this for years and years and it's getting old
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I recieved an email from XXXX a credit reporting group, who told me my credit score had declined, see details The details in summary said that the report I filed to XXXX XXXX XXXX complaining on a legititamate overcharge on my XXXX card of {$12.00} by a restaurant, documented and emailed to them, has not been resolved, but that XXXX has shown that my credit score has declined from XXXX to XXXX due to my filing a claim. 
I called XXXX XXXX XXXX, and they said that there was nothing they could do about the decline in the credit score as they only report such issues to the credit bureaus, and they were surprised that it would affect my credit. 
I tried to go online to XXXX, however, the online claim reports indicated I could not complain about my score to them, they had the right to do what they wanted. 
No company, or group of credit reporting companies, should have the right to reduce anyones credit because they found an error on the charges on their account, and questioned an overcharge. They said " well, perhaps in 30 or so days when this issue was studied and resolved, perhaps the credit score will go back up. However, they had not control over this and they only report it to the bureaus as they are instructed. '' Well, firstly, I don't think this should be allowed to be reported to credit bureaus, and secondly, no credit bureaus should be allowed such powers to adjust your credit report for asking a question. 

Is this right?
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/2017, Equifax announced a cyber security intrusion that has exposed personal and sensitive information on me. 

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 it via social media. Even then the website used to identify if your information was exposed was disorganized, often not usable, and very frustrating to attempt to use. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs, FOR FREE, as a result of negligence in handling personal and sensitive information. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. Equifax has known about this issue for over a month and has now only chosen to notify the general public and those like myself.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) and 15 USC 1666 ( b ). Reporting inquiries without my authorization or permissible purpose. I am in distress and this matter has affected me from getting access to different forms of credit which is needed during these time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Personal information incorrect

I called or messaged XXXX, Equifax and XXXX 6 months or so ago and requested that all addresses and telephone numbers that are inaccurate be removed from my profile. I was told by all XXXX that was not possible.
Complaint sub-issue: Trouble with how payments are handled

I have XXXX loans ( we 'll call them the " XXXX '' and " XXXX '' loans ) with Sallie Mae currently- they 're under the same account, but for XXXX different school years. The XXXX loans have their own cosigners, XXXX who have been making monthly payments on their respective loans. We do not use Sallie Mae 's automatic Bill Pay option, as the cosigners would rather have control of the flow of payments through their own banks. 

Over the past several months, whenever a check was sent to Sallie Mae to pay for the XXXX loan, it was always allocated to the XXXX loan, instead. As a result, my XXXX cosigner and I were notified that a payment was overdue. I 've called them many times over the past months to reallocate these payments, and it would take days for the changes to take effect. Often in the meantime, it meant that a late fee would be charged to the account, never mind that the payment had actually been received. 

In late XXXX, I had come to find out this had happened again when Sallie Mae was asking for the upcoming XXXX payment. I called Sallie Mae to figure out what was going on and reassign payments ( again! ). I had then found out that the XXXX loan has an overflow account- money that was sent to pay for the XXXX loan that has exceeded the scheduled payments due. I then asked that enough money be taken out of the overflow account to pay for any outstanding payments ( XXXX and XXXX payments ) for the XXXX loan, and I was told it would be done. 

Two weeks later, I was still receiving notices of overdue payments. Calling them back ( AGAIN! ), I 'd found out that the " work order did n't go through '' - they could n't tell me why. I asked them to start over, once again taking enough money out of the XXXX overflow account to pay for any outstanding payments XXXX XXXX and XXXX payments ) for the XXXX loan, and they said they would do it. For the next ten days, the balance due on the XXXX loan kept fluctuating- I was told this was to be expected because of the work order. 

I have just finished looking at my loan summary on Sallie Mae 's website ( it is now the beginning of XXXX ), and have been told that, alongside the payment due for XXXX, there is still (!? ) a past due amount on the XXXX loan- and I have once again been charged a late fee. 

I do n't understand what 's going on with this loan anymore. Over the past several months, every time I 've called, each representative gave me different answers to the same questions. I 'm pretty sure at one point, a supervisor outright lied to me about the details of my account ( a representative 's description of my account did not match the supervisor 's, despite them reading the same notes left on my account ). I am still in school, in a very work-intensive program, and do not have the time nor energy to keep playing this game with Sallie Mae. Goodness knows how this affects my credit score, or the credit scores of my cosigners! This has gotten beyond ridiculous.
Complaint sub-issue: Threatened to sue you for very old debt

On Tuesday,XX/XX/2018 at XXXX I was contacted by D & A Services on behalf of XXXX XXXX , I was threatened with a lawsuit if I did not make a promise to pay to debt. I was repeatedly told the call was recorded. I asked her to please stop threatening me with a lawsuit she did not stop the scare tactic.

Also on a previous call, they informed me that they had checked my credit to see that I had been settling other accounts and told me I need to settle with them or they would take to me court and garnish my wages.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) IS NOT MINE..I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account
Complaint sub-issue: Information belongs to someone else

After Providing The Three major credit bureaus With My Fraud Claims. The companies Have failed to remove all the inaccurate reporting 's. While some accounts were removed I have been getting Denials to remove other items & accounts related to fraud. And also overlooking my request for contracts regarding these accounts This has affected My life Tremendously. Also This has been ongoing for almost a year now.
Complaint sub-issue: Banking errors

I'm trying to link my bank account the XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

I had my identity stolen back in 2018. A phone account was opened through XXXX in I believe in XXXX of 2018. I have reached out to XXXX numerous of times before they placed the account in Collection. Every debt agency they sell this account to removes it because I have explained to them that this is not my account. They have sold this debt to over 5 different debt collectors! They are refusing to move it even after I filed an Identity Theft report.
Complaint sub-issue: Account information incorrect

Upon pulling and reviewing my credit reports I closed my account with  XXXX  Bank  XXXX   2017   (   XXXX  CREDIT CARD ) when I viewed an alert it shows  XXXX  discrepancies on my individual reports.  XXXX   XXXX  Reported that I was 30 days late in  XXXX   2017  but current  XXXX  and    XXXX    2017    with Equifax. My  XXXX  report shows CURRENT  XXXX  but late  XXXX  and  XXXX     2017  on my payments. This is clearly an error and very damaging to my credit history.
Complaint sub-issue: Their investigation did not fix an error on your report

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance Owed : {$3900.00}, XXXX XXXX Balance Owed : {$7400.00}, XXXX XXXX Balance Owed : {$4600.00}, XXXX XXXX Balance Owed : {$330.00}, XXXX XXXXXXXX Balance Owed : {$0.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

unknown inquiries on my credit report without my knowledge or consent XX/XX/2019
Complaint sub-issue: Account status incorrect

This account is closed with an outstanding balance but they continue to report it as open as Im missing payments to purposely hurt my credit score. 

Car was mechanically totaled because dealer failed to disclose it has not had a recall serviced on and had previous body work. Car is no longer in my possession.
Complaint sub-issue: Account status

Supporting documentation that my express account should be reporting in accounts that are satisfactory. Right now it is reporting as potentially negative. This letter is from my XXXX credit card account supporting documentation that the XXXX credit beaurous need to change the status to positive instead of accounts that are negative.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

On XX/XX/XXXX I purchased tickets for {$150.00} on XXXX through XXXX. The flight was for XX/XX/XXXX returning XX/XX/XXXX from New York to XXXX, NC. On XX/XX/XXXX I received notification from XXXX that my flights were cancelled and that new flights were offered on the same days but going to Georgia, then Carolina. I did not accept these flights and was issued a credit/voucher. When I discovered it was impossible to get someone from XXXX on the phone as they would not accept calls from anyone who did not have a flight within 48 hours I filed a dispute on the charge with Citibank as I made the purchase with their " Citi Simplicity '' card. I provided them with the emails showing my original flight that I booked, the changes and cancellations made by the airlines and the enforcement notice made by the Dept. of Transportation on XX/XX/XXXX stating that airlines are required to issue a refund for flights that are drastically changed or cancelled. 

XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX After several months of back and forth with Citibank they are now telling me that the merchant, XXXX, will not return the  funds and that they are not going to absorb those costs. Citibank will have no issue going after me for the money and sending my account to collections if I do not pay but they have no interest in getting their money from XXXX when the government mandates clearly that the airlines are required to refund customers in such cases?
Complaint sub-issue: Account information incorrect

I was talked into taking out XXXX loans to attend XXXX ( a XXXXXXXX XXXX campus ), I was able to repay and now my credit is damaged. ( Between XXXX ) A few years ago I received a letter that my principal balance was reduced by XXXX, my new balance was XXXX. Was told to continue to make payments at the time I was not able too. Then called XXXX to try and make payment arrangements and with XXXX let who claimed they were not aware? I am willing to repay my loan. Over the years they continue to send me letters requesting re-payment now with years of interest added on. I would like help like help with loan forgiveness. They were not honest about the process and for the loan and they did not allow refunds owed to students that could have covered the loan cost. Thank XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I do not have enough confidence in LEXISNEXIS to fulfill my request for my file disclosure. Too many other consumers are having problems with them not listening to the consumers ' needs. So I am utilizing the CFPB in order for me to insure the accuracy of my file.
Complaint sub-issue: Reporting company used your report improperly

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: Trouble with how payments are being handled

EVERY MONTH I PAY EXTRA PRINCIPLE TO PAY DOWN MY LOAN FASTER BUT NELNET KEEPS INCREASING HOW MUCH I OWE A MONTH!!!!! XXXX????? MY MORTGAGE COMPANY DOESN'T DO THAT TO ME!!!!! I WANT TO KNOW WHY THIS KEEPS HAPPENING AND WHEN THEY'RE GOING TO STOP!!!! I ALSO WANT TO KNOW WHAT MY PAY OFF AMOUNT IS ( THAT REQUIRES NELNET TO PROVIDE AN ACTUAL DOLLAR AMOUNT IN THEIR RESPONSE )!!!! I AM SO READY TO BE DONE WITH THE SCAMMERS FOREVER!!!!!
Complaint sub-issue: Debt was paid

After years of using XXXX, I received a letter from XXXX on XX/XX/XXXX that stated : " During a recent review of customer accounts, we discovered you were using a significant amount of data while roaming off the XXXX XXXX XXXX. 

While we appreciate you choosing XXXX, after XX/XX/XXXX, we will no longer offer service for the numbers listed above since your primary place of use is outside the XXXX service area. 

We encourage you to evaluate your wireless provider options and switch your service on these lines to another provider before XX/XX/XXXX. After your XXXX is discontinued on XX/XX/XXXX, you will no longer be able to transfer your phone number to a different provider. '' I switched providers on XX/XX/XXXX. Having to start over was very costly as the new provider did not support any of the devices we were using with XXXX. The letter also go on to state that outstanding balances will be waived no later than XX/XX/XXXX. 

I called XXXX when I first recieved this letter to clarify that, yes, they were indeed disconnecting our service, despite the facts that we were long term customers and current on our accounts with them. 

I received another bill from them after I switched to a new provider. I called them again and clarified that balances would be waived. I believed my accounts with them had been settled and closed. 

I reviewed my credit report and I now have an account in collections from XXXX opened on XX/XX/XXXX for the amount of {$240.00}. I do not believe that this is valid. I have already disputed it with the collection agency, Jefferson Capital System. This was their response, " Account information disputed by consumer, meets FCRA requirements. ''
Complaint sub-issue: Debt was paid

Good afternoon, there is a collection in the amount of {$260.00} with ERC out of XXXX Florida. They are attempting to collect a debt for XXXX  cell phone service. We tried contacting XXXX but they were bought out by XXXX. 

Originally we opened an account and bought phones thru XXXX XXXX. We were told we had 15 days to return phones and cancel service. XXXX and XXXX XXXX obviously do not work in harmony as we got collection calls down the road over a debt that we didnt even know existed nor should it have. I tried contacting ERC and they are virtually impossible to deal with but the bottom line is this really shouldnt have ever been in collections at all. We would like this to be completely removed, and I honestly dont even care about the money if it went to XXXX  because of XXXX XXXX error, but I dont feel its just
Complaint sub-issue: Their investigation did not fix an error on your report

Hello, I used to have a credit card with XXXX XXXX. Few years ago for non payment they took me to court and I didn't appear because I was XXXX and they won the judgment against me. They garnish the money from my bank account from the XXXX. This was in XX/XX/2020. Since then they have been reporting in my account that I still have {$360.00} past due which it's incorrect. As you can see my bank account attached I have paid more than {$1300.00}. Please update the system and delete this from my account. This has been reporting wrong information for the past XXXX years. XXXX XXXX has also reported that they written off part of my balance which is not true because I already paid it. There are different charges that were withdrawn from my checking and savings account and I have highlighted them. I already disputed with you guys and they verified the incorrect information.
Complaint sub-issue: Personal information incorrect

There are a number of address discrepancies on my credit report that do not belong to me. These old addresses have possibly allowed my information to become compromised.
Complaint sub-issue: Deposits and withdrawals

Deposited XXXX usd and company has restricted card prior to additional deposit there for entrapped my funds I complied with all requested information and now expect the same.
Complaint sub-issue: Account status incorrect

On XX/XX/XXXX I requested of this credit bureau there method of verification as it pertains to a XXXX  XXXX XXXX account that was reporting on my credit report. To this date I have not gotten the method of verification. Close to 4 months have passed since the credit bureau got my request and my request has not been granted and this is a clear Fair Credit Reporting violation. The only thing that I got from the credit bureau was a statement saying that the item was been reported on my credit report accurately. 
I wonder how they can say that the item is been reported accurately when XXXX is saying that the XXXX  XXXX XXXX account went into a charged off status in XXXX, XXXX and XXXX and Equifax is saying that the account went in a charged off status in XXXX XXXX. On My XXXX  account it says that the account is paid in full and it also says that the last payment was received on XX/XX/XXXX. So, how can it be that all three credit bureaus is getting the information from the same source but yet different information is listed on each credit report. This is inaccurate information that is been reported on my credit report and XXXX  XXXX XXXX should be deleted from my credit report immediately. I am enclosing a copy of my XXXX Credit report.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX the consumer, Continue to Be damaged by the injurious nature of Nelnet / US DEPARTMENT OF EDUCATION. This is in response to Nelnets documentation and response thereof. Nelnet inc has Documented evidence of my account in a forbearance status with no interest incurring. Nelnet has also denied my claim which is being rejected. As I am a victim of identity theft due to the fact of NELNET INC AND ON BEHALF OF US DEPARTMENT OF EDUCATION ( technical third party with no standing ) TO BUY and securitized my information to XXXX,. This is not authorized.. this is a data breach. It has been stated by Nelnet That they must Furnish my account data proving they had no real reason only that must, Nelnet claim is not valid only a violation as to having no absolute grounds to furnish and did so WITHOUT MY CONSENT. if a reason was so it would have been listed, WE MUST does not mean we are able to ignore the consumer and make decisions without them. WITHOUT THEIR CONSENT which is in fact identity theft. NELNET INC also claims they are lender but not have provided any 1099 A or C copies for my tax purposes, nor 1099 OID or any forms that are supposed to be filed with the IRS that have not been and have also been acknowledged on form 13909. At this time it is being requested : The original transaction with US DEPARTMENT OF EDUCATION to clear up my name and to prove the theft of my Identity. As NELNET is REQUIRED TO PROVIDE THE ORIGINAL TRANSACTION DOCUMENTS pursuant to FCRA sec 609E. And attached. XXXX XXXX the consumer know I am the lender and with the credit, Nelnet has still not answered HOW YOU WERE ABLE TO OBTAIN MY INFORMATION. According to XXXX the consumer, you had no PERMISSIBLE PERMISSIBLE OR WRITTEN. CONSENT TO FURNISH A REPORT. In addition to the accuracy of the report pursuant to 15 USC 1681 AE you have not asked the consumer XXXX if the information is actually true. Instead violated my privacy rights, unalienable rights, and federal rights protected as a consumer.
Complaint sub-issue: Information belongs to someone else

I have attached my report to this complaint. I have disputed this account and inquiries from my report as fraudulent. I have not inquired or obtained credit from these companies.