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

XXXX XXXX XXXX days late in XX/XX/XXXX, XXXX XXXX ad XXXX XXXX. 

XXXX XXXXXXXX XXXX  XXXX - Correction of billing errors ( XXXX ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Complaint sub-issue: Problem accessing account

I'm trying to get my statements from an closed checking account and I was told I couldn't be helped I need to visit a branch. I informed the agent citi bank is suppose to legally keep my statements on file for 7yrs, I continued to ask for the agent id and She told me, she could give me this information. She then gave me XXXX number which I think is fake. I also asked for a manager she told me a manager wasn't available, I told her this call was being recorded then she then told me to hold on, came back 2 mins later stated the manager was busy and he would give me a call back in 24 to 48 hours. I said i would wait and i waited yet no manager ever came on the line. She was very nasty and rude. This is the reason why I left Citigold. Bad customer services. XXXX was her name. Stated her manager was XXXX, to busy to answer my call.
Complaint sub-issue: Problem with customer service

On XX/XX/XXXX I was alerted by a credit monitoring service that there were 3 late payments on my account from NelNet. I had never heard of NelNet and contacted the company as soon as possible, which was XX/XX/XXXX due to their office hours. 

After contacting NelNet is appears that a student loan I had thought was paid off was transferred to them in XXXX from my prior loan servicer ( XX/XX/XXXX XXXX XXXX XXXX ). I had never received any communication about the transfer. Shortly after the transfer I enteredXX/XX/XXXXand any amount outstanding was put into automatic deferral. I never received any contact from NelNet about the payments resuming as they had an address on file that had not been updated since XXXX. 

During my conversation with XXXX I explained that I could either make the account current and make payments, or pay the entire amount if either would result in the removal of the credit reporting action. XXXX said that I could not ask for this as I had not acted in " good faith. '' I then asked about the CARES Act, and asked why the XXXXXX/XX/XXXX were not in forbearance. XXXX informed me that although they were XXXXXX/XX/XXXX, because they were issued before XXXX they were private loans. I have not been, and can not locate and law regulation demonstrating that change. 

I was then transferred to XXXX 's supervisor XXXX, who informed me that by federal law NetNel can not remove the credit reporting. I asked him where to find the law to which he directed me to studentaid.gov and then NelNet 's website 's FAQ section. I had XXXX stay on the line to direct me to which he couldn't. I then asked if there was somebody that could provide either the law or additional help to which he provided me a " customer solutions '' e-mail address. After giving me the e-mail he warned me that any attempt to dispute the late payments would further " ding my credit. '' I have not received a response from NelNet 's " customer solutions '' e-mail address. 

I have never missed a payment in my life and have the funds and willingness to pay the amounts in full. The credit report of a late payment has caused my credit score to drop significantly at a time I am having a child and searching for a home to purchase.
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 U.S.C 1681 : HUNTER WARFiElD INC XXXX. XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX. 15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX - XXXX Division and XXXX  XXXX XXXX XXXX XXXX dba XXXX   XXXX XXXX XXXX are in violation of Tex. Fin. Code 392.402.404, Sec. 392.101. BOND  REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state.

( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter.

( c ) The bond must be in the amount of {$10000.00}.
Complaint sub-issue: Was not notified of investigation status or results

I have been contacting this company for a while now, trying to let them know about the situation I have been in. the previous letter was sent on XXXX. I have accounts on my report that I don't recognize but they still haven't put a block or removed the items that are why this time I am seeking help from the CFPB as my first step in taking this matter seriously.
Complaint sub-issue: Information belongs to someone else

XXXX wrongly switched this account into my name after I purchased a house. This bill is from before XX/XX/XXXX and we moved in XX/XX/XXXX. This is not and has never been my bill. I've attempted to speak with both XXXX and the collection agency and they refused to provide proof this is my bill. Furthermore I've attempted to dispute this with credit bureaus and the agency declined my dispute. Further if this was mine it would be from XX/XX/XXXX and XXXX XXXX reaged the account to show it delinquent as of XX/XX/XXXX ... I did not have a XXXX account in XX/XX/XXXX.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC 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 that are reporting on my Credit Reports : XXXXXXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX-Balance XXXX XXXX-Date Opened : XX/XX/XXXX XXXX  XXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, Texas XXXX SSN : XXXX | XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts.Pursuant to 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. I have outlined the following incorrect late payments. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 

Account Name : XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act the following creditors have violated my rights : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # XXXX -XXXX XXXX ( Original Creditor : XXXX XXXX ) Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account # XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  XXXX Account XXXX XXXX -XXXX  Account # XXXX -XXXX  Account # XXXX 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: Denied request to lower payments

In XX/XX/XXXX I called Carmax XXXX XXXX and advised them due to my permanent injuries I had been out of work and needed to get a payment deferred because I did not want to pay my account late and 5 months into my loan i had never been late on my account and didn't want to pay it late. They would not help me at all they forced me to make a payment from my checking account which my bank covered it processed and later kicked back out which Carmax kicked it back because of the name difference on my account. My loan consisted of my married name and my checking account listed my maiden name. So two months after the bank covered and processed the payments Carmax kicked them both out causing me to be 30 days on each payment. In XX/XX/XXXX I faxed them a letter from my bank on letterhead i was told that someone was looking into and it would take 30 days to fix. Now last month I made another check payment for two payments and they have again did the same thing. I am not two times 30 days late and one time 60 days and this is killing my score. prior to this I have not ever been late on my loan. Even when I pleaded with them to help me out do to be out and under dr 's care they would not.
Complaint sub-issue: Used obscene, profane, or other abusive language

They called my phone number repeatedly. I did not identify myself as the debtor and they threaten me by saying Im going to be in hot water if I dont deliver a message. And that they will file charges against me being a third-party. I called them back to try and figure out who they are since I am a debt collector by trade. They refused to give me the address when I asked and refused to identify themselves three times I finally called back a fourth time was able to obtain the address. And they call from a fictitious number - that is very similar to mine where I live however they are located in XXXX XXXX New York. They call the company name ASG, XXXX
Complaint sub-issue: Account status

I am being denied a loan because of a " Dispute '' Status on my credit report. It was removed by the other XXXX Credit Reporting Agencies. 
XXXX has stated they are working to remove this. 
The remark is false. XXXX failed to close my account as requested and charged me fees for years without contacting me. They admitted fault and paid all the fees. It was resolved. XXXX promised they would remove this from my credit about ten years ago. My report shows it was in dispute and XXXX settled for less than the owed amount. I never did anything wrong. They are now " working on it '' again. 
This needs to be removed from my report. The fact that it only on XXXX report, shows there is a clear error.
Complaint sub-issue: Debt is not yours

On XX/XX/2019, I received two letters from NPAS , Inc., claiming the existence of medical debt totaling {$35.00}. As the letter indicated that the debt had been purchased from a local primary care network, I contacted their office and was informed that they had never referred my account to a debt collector. 

I therefore sent a letter to NPAS via USPS Certified Mail ( tracking number XXXX ) requesting verification of the debt. Tracking information confirms the letter was delivered on XX/XX/2019. 

I did not receive any further communications from NPAS until XX/XX/2019, when they sent another letter claiming that I still owed the same debt that I had previously requested verification of, this time in the amount of {$17.00}. 

At no point have I been given any reason to believe, or any evidence supporting, NPAS ' claims about the debt 's validity or existence.
Complaint sub-issue: Account status incorrect

The company XXXX XXXX has flagged your account as 60 Days Past Due on XX/XX/XXXX. On XXXX of my credit reports knowing I filed for XXXX  XXXX Bankruptcy XX/XX/XXXX, they have called me several times and sent emails.
Complaint sub-issue: Information belongs to someone else

XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Equifax Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from Lease trader which was made on  XXXX  / XXXX /2016. I checked my credit report, which I acquired from Equifax.   I have contacted   XXXX   XXXX  , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,
Complaint sub-issue: Debt is not yours

On XXXX XX/XX/2022 a debit collection on the name Jefferson Capital System LLC with the account number XXXX and post with {$480.00} With the address on XXXX XXXX XXXX, XXXX, MN XXXX I want this Collection Agency to provide in writing any agreement and my signature to prove I own them that amount of money If they cant provide this they need to cancel and announce the Credit Company to stop posting this in my account Again they need to provide letters with my Signature that I own {$480.00} to Jefferson Capital System LLC If they can I will appeal by The Federal Law protection of Consumers Fair
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... HWARFIELD ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Reporting company used your report improperly

You are violating my rights clear AS DAY! I do not understand how you are blatantly disregarding my rights under HIPAA. My private health information can not be shared or reported. By reporting this information, you are directly sharing my information with everyone who has access to my credit report. This is illegal and is also a violation of the FCRA.
Complaint sub-issue: Threatened or suggested your credit would be damaged

To Whom It May Concern : I am a Business Owner for XXXX XXXX XXXX XXXX XXXX XXXX, I used XXXX XXXX XXXX for my Merchant Service ( Credit Card Processing ), for years. I became dissatisfied due to the company always deducting fees from my Bank Account that were not specified in the Original Agreement. On XX/XX/2018 I closed the account and was told there would be no additional charges to my account as long as I returned their equipment within 10 days which I did. I never heard from the company again, until last week. A Collection Agency contact me and said that I owed for the equipment {$1300.00} and was very willing to make a {$800.00} settlement. The XXXX XXXX XXXX Company never notified me in any way to tell me that they did not receive the equipment. 

Unfortunately I do no keep shipping tracking receipts for 9 months. After a few month past I thought everything was settled It was shipped in plenty of time for them to receive it. 

One reason that quit doing business with this company is because they seemed to use shady tactics to collect more money from my account numerous times. When I would called they would quickly erase it.
Complaint sub-issue: Didn't receive enough information to verify debt

I have 4 private student loans serviced by American Education Services. 3 held by NCT and 1 that was with XXXX and apparently has been sold to XXXX but is still serviced by AES. After falling behind on my loans, they were sent to different collection agencies ( XXXX XXXX XXXX XXXX ). I recieved a debt collection letter from these agencies ( XX/XX/XXXX andXX/XX/XXXX respectively ) and exercised my right to seek validation of the debts. I sent each letter within the 30 day time limit and have proof of reciept of these letters by the respective agencies. I did not hear from them again, but then AES continued to try to collect the debts. I then sent them a letter onXX/XX/XXXX explaining that these debts are being disputed and that they should not be trying to collect until I receive the validation info I requested. At the same time, I disputed all of these accounts through all 3 credit bureaus ( all still currently under investigation ). OnXX/XX/XXXX I received a letter from AES regarding the credit bureau disputes and asking for more details of what I was disputing. Today I put together a packet for them that included all of the previous letters that had been sent out and also reiterated that I was seeking validation of the loans that they service. Just now I got an alert from XXXX telling me that AES/NCT has reported me 30days late on all 3 NCT loans. This is WELL AFTER I have sent letters and also during open investigation disputes through the 3 major credit bureaus. It was my understanding that while a debt is being disputed, the servicers can not report negative information until the dispute is finalized. I have recieved absolutely NOTHING to validate any of these loans, yet they continue to run the clock on how many days I am " late '', when in reality I need them to pause and provide me with the requested information. I am frustrated as I feel they are disregarding my letters and are in obvious violation of my consumer protection rights. I have attached all letters sent as well as proof of delivery for your review. I look forward to any help you can offer in resolving this issue.
Complaint sub-issue: Investigation took more than 30 days

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts 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: Credit inquiries on your report that you don't recognize

I had went on XXXX XXXX app to check my credit score, and I had noticed I have 29 hard inquirys on my report. Ive only allowed a couple of those inquirys.
Complaint sub-issue: Didn't receive enough information to verify debt

Did not get the summons to go to court for this debt. Never got served. 
Started garnishment on this debt without my knowledge. I received notice a week after garnishment of paycheck.
Complaint sub-issue: Investigation took more than 30 days

The three major credit bureaus have not been providing me with results and it's been a whole year!! I have been disputing accounts with the bureaus for a year now and they have done absolutely nothing. I haven't received any letters and there is simply no way in a year they haven't received a single one of my letters. There are serious inaccurate items on my credit that need to be removed. I have received deletion letters and forwarded over to you and those accounts continue to report on my credit. You are supposed to respond within 30 days under the law!!! Remove these immediatley.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Complaint sub-issue: Old information reappears or never goes away

I got a few charges expunged about a year ago, and they keep popping up on Checkrs background check.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized Inquiry on my Equifax credit file.
Complaint sub-issue: Information belongs to someone else

I noticed on my Equifax report that a credit line of $ 30k does not belong to me. I do not have a credit line this large. I called Equifax and they said " it belongs to me ''. I don't have an account with XXXX XXXX. I went to a XXXX XXXX location in my area and explained the same thing to them. I got the same result. This is not my account as I don't have any credit line with XXXXXXXX XXXX or for this large of credit line. Everyone refuses to remove this fraudelent account off of my credit report.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have tried to remove the dispute status of the debt, however the credit report is still displaying it as if i am disputing the credit item. I have tried to resolve it through the XXXX XXXX and the XXXX. the issue was not resolved.