Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Received bad information about your loan

I contacted Educational Credit Corporation to ask about a payment transcript they sent to me after my loans were taken out of default due to my paying the loans through a bankruptcy. I asked why the payment transcript showed that my payments made during the pandemic had been reversed back to me, but I never received them. The Customer Service rep told me that they had reversed my interest on the loan due to the COVID forbearance, but not the actual payment. I asked for a record or statement of this to be sent to me in writing. However, I never received anything in writing from the company after receiving the initial transcript. The next time I called I was told to contact XXXX XXXX as my loan had been transferred to that company. 
On my first contact with XXXX XXXX, I was told that my account had been transferred & that I was eligible for the refund of payments made during the COVID forbearance. The agent took my information & told me a check would be sent to me in the mail. After over 6 weeks of waiting for the refund, I called again & was told I didnt qualify for the COVID forbearance because of the type of loan I had. I asked why did my original loan servicer, ECMC, send me a transcript with COVID forbearance written all over it, but could not get a straight answer.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, I sent a certified the below attached letter to LexisNexis Risk Solution. I asked LexisNexis to explain to me how they could release any information regarding credit files they hold on me to anyone when my credit information is frozen. Furthermore, Lexis Nexis is reporting that I have a Bankruptcy. I asked LexisNexis to Verify and Validate the information. I was asking for a letter from the US Bankruptcy court identifying the name and title of the clerk that VALIDATED said information. As of Today XX/XX/XXXX LexisNexis, has failed to comply with my request and the law. 
Depending on the outcome from CFPB, I will be seeking damages for Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against LexisNexis and XXXX XXXX, CEO I would be seeking a minimum of {$1000.00} and up to {$5000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Complaint sub-issue: Not given enough info to verify debt

I have received past notices in regards to this debt from A R Concepts Inc. I sent a dispute notice in regards to validation but have not received any response.
Complaint sub-issue: Information belongs to someone else

I AM A VICTIM OF IDENTITY THEFT. SOMEONE IS DESTROYING MY LIFE WITH THESE FRAUD ACCOUNTS. I DONT KNOW WHAT TO DO. I AM GETTING MY CREDIT TOGETHER AND I SEE THESE FRAUDULENT ACCOUNTS. I NEVER AUTHOIRIZED ANY OF THESE ACCOUNTS. PLEASE INVESTIGATE THESE CRIMINALS
Complaint sub-issue: Information belongs to someone else

My personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency : XXXX 's ( {$1900.00} ) XXXX ( {$240.00} )
Complaint sub-issue: Information belongs to someone else

I was checking my credit report and I dont understand why you put these negative accounts on my name. I m sure that someone have my personal information. I dont know where they came from
Complaint sub-issue: Was not notified of investigation status or results

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Complaint sub-issue: Debt was paid

The name of the company is XXXX, which now referred my debt to Apelles XXXX XXXX. In XX/XX/2020 I lost my job due to Covid. I called XXXX to cancel my security services since those were not a " necessity '' and I was focus on paying my mortgage, main utilities and food. 
XXXX convinced me to keep their services and would bring my monthly fees to {$10.00} a month opposed to {$60.00}. Since I was already a long term customer, I chose to keep my security services since the amount was bearable. After 9 months, services went up to {$60.00} and I called to cancel because the person who took the information did not do it correctly, he was apparently working remotely from home. I called every month over and over because the amount was increasing. Every time I called XXXX 's customer service, the person claimed he did not know how to disconnect services, others put me on hold for hours, others claimed they couldn't do it remotely for me to call back in a couple weeks. It was always an excuse. This went for about 6 months until they called me to collect. This was completely unprofessional and unfair on XXXX 's behalf because they took a bad situation and state of emergency to take advantage of the consumers because XXXX didn't have the resources during Covid to follow through with the requests. I did not activate my alarm services from XXXX for over 7-8 months so I don't owe them the {$290.00} they are trying to collect.
Complaint sub-issue: Account information incorrect

Inaccurate information on my credit pay status balances, example a collection agency that the vendor was paid direct I don't owe the collection agency. 

a loan reporting late but has never been late and is paid in full.
Complaint sub-issue: Can't get other flexible options for repaying your loan

Try to get a lower monthly payment but keep getting denied and know getting calls from different companies who tried to offer me some deals. I really upset that getting harassment calls from company that I never request. I want this to stop and the debt to be removed now, I can afford to paid the student loan, I am repaying a IRS and I am XXXX with fix incomes. Please make sure that all this calls stop and the harassment at the same time.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 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 still reporting on my Credit Reports and need to UPDATE completely from my Credit Report : XXXX XXXX XXXX Balance Owed : {$540.00} Date Opened : XX/XX/2002
Complaint sub-issue: Old information reappears or never goes away

Equifax ; XXXX XXXX XXXX are reporting the XXXX XXXX XXXX partial account number XXXX on my credit report. ( Please see page attached. ) There is no outstanding balance due. The bureaus removed this account previously and now they are reporting it again. This false reporting is seriously harming my credit score and needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well as XXXX XXXX XXXX several times to fix this however, I have not been successful.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX//2020, 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 for my disputes and concerns. 
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 gotten into the hands of the wrong person.
Complaint sub-issue: Didn't receive enough information to verify debt

LJ ROSS called me and they want me to pay {$320.00}. I paid all my balance by XXXX XXXX   credit card settle in full XX/XX/XXXX-XX/XX/2019.

They still sent my file for {$42.00} on XX/XX/XXXX-XX/XX/2019.

We are trying to refinance our house and the score dropped drastically. I called them and they said they missed the amount so they reported to the credit bureau.

I again offered to pay and they took my money and they are stating it's my job to call all bureau and fix. The staff is rude.
Complaint sub-issue: Problem lowering your monthly payments

I have attempted to make payments and stay current with AES/NCT ( National Collegiate Trust ) for years and have struggled. Each year my monthly payments rise significantly and this is to the point where I can no longer manage, I can not afford the current payment on my accounts with you all. I have more than one account with National Collegiate Trus totaling more than {$850.00} per month. This doesnt include my other student loans with XXXX XXXX and XXXX XXXX. In total I pay over 1,000 monthly to keep current with all my loans. The only lender who will not work with me and lower my payments to a reasonable amount is American education services and National Collegiate Trust the actual owner of the debt. I have called, written, begged, cried and pleaded with both companies and no one will help me at all. I am asking for a lower payment so I may pay, Im not trying to get out of my obligation, I just want to live and pay rather than giving you all my income and not be able to survive. Please review my accounts I pay {$590.00} alone on one AES account. This is the highest monthly payment I have out of all the loans and the one that I can no longer pay. my account is delinquent now and I call you all the time trying to get a lower payment. I have this account and my other account in my dads name ( XXXX XXXX XXXX ) with me as the co lender on that one. I currently paying XXXX $ on the account with my dad and XXXX $ on the account I spoke of earlier. I cant have a home, car, or cell phone because all take all my money and I cant do it anymore. I have contact NCT for a lower payment I have written my federal and state legislators. Why wont you all work with me and lower my payment. I dont want to be delinquent, I want to pay please make it so I can by making my payment reasonable. I literally dont have the amount youre asking for and have sold everything of value to stay current this long. I am asking you to please look over my account and allow me another option. My hair is failing out I cant eat cause I have no money so Im looking all sickly. All because I went to college, please help me. This is America, You all took away my American dream now Im just asking for a little of my life back. Please lower my payment, I want to pay but I cant pay what you all have me paying now. Account # : XXXX XXXX account # : XXXX
Complaint sub-issue: Information is not mine

I called XXXX and asked them if they remembered anyone coming in to check on buying a car on the XXXX of XXXX using my SSN. They could n't answer any of my questions and hung up on me.
Complaint sub-issue: Debt is not yours

this company claims that I owe them a debt, and put a negative mark on my credit report. I sent this company a debt validation letter to have them clarify this debt. the company called me and left a voicemail stating that if I don't answer the phone, they wont validate the debt. According to the fair debt collection practices act sec 809 once a debt is disputed, it must be validated. so ignoring this letter is a violation of the collection practices act. I would like everything documented in writing.
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity theft and have some fraudulent inquiries on my credit profile. I filed an Identity theft report with the Federal trade commission. I've attached it along with my identification.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2021 a withdrawal was made at an ATM on XXXX XXXX XXXX XXXX XXXX for {$500.00}. It cleared by bank ( BBVA Compass ) on the same day. My ending balance on this days {$2700.00}. I have a statement from BBVA to show this.

I have a statement from PNC Bank which took over BBVA Compass showing the beginning balance on XX/XX/2021 with the was {$2700.00}. 

Only one ATM withdrawal in that amount and from that ATM was made between XX/XX/2021 and the present day ( XX/XX/2021 ). 

On XX/XX/2021 the PNC Corporate offices deducted another {$500.00} in error ( same withdrawal from XX/XX/2021 ) from my account. At that time my account had a balance of {$1.00}. As a result my checking account went into a negative XXXX. 

I have tried since that day to speak with someone at the bank to get the issue corrected. My husband actually went into the bank on XXXX XXXX in XXXX, Florida on XX/XX/2021. The bank manager advised him that she could see it was a duplicate withdrawal, but all she could could was file a dispute which could take 10 working days to resolve. 

I have called the bank many times and I am unable to do anything. I was able to withdraw my deposits from our employers that was made on XX/XX/2021 minus the {$500.00}. 

At this point I have become convinced the {$500.00} is never going to be put back into the account so that I can close it out and never attempt to bank with this financial institution again. 

I am asking for your assistance in helping me recover the money that is rightfully owed to me.
Complaint sub-issue: Received bad information about your loan

I am a XXXX completing my application for XXXX debt forgiveness. The loans in question are through XXXX XXXX.

XX/XX/XXXX- I received an email confirmation that XXXX had received my XXXX loan forgiveness application. In the email, it says I " should allow up to 10 business days for us to conduct our review '' and that " if we determine that your application is not materially complete, we will send you a letter that specifically advises you of the information/documentation we need to reconsider your application ''.

XX/XX/XXXX- I called to see how processing was going. I was told that my application was done correctly and it was sent to the federal government. I was told to check back in about 90 days.

XX/XX/XXXX- I called to see how the processing was going. I was told that my paperwork was n't done correctly and had n't been sent to the federal government. I completed the paperwork and resubmitted it this same day.

XX/XX/XXXX- I received a notification that my application was sent to the federal government.

I am filing a complaint for three issues on XXXX 's part. 1 ) XXXX  said in writing that I should allow for up to 10 business days to conduct our review. XX/XX/XXXX to XX/XX/XXXX is 93 days. XX/XX/XXXX to XX/XX/XXXX is 92 days. 2 ) I never received " a letter advising me of the information/documentation we need to reconsider your application ''. I was told via phone that this did n't happen because it took so long to process my application. 3 ) On XX/XX/XXXX, I was told via phone that my application was completed correctly and sent to the federal government. This was incorrect. I waited nearly 3 months to check back in because of this.

I understand that I filled out the paperwork incorrectly. This was my fault. It still does not excuse that it took nearly 185 days ( 128 business days ) to process my paperwork. If I allow 10 business days for them to process it, it should have only taken 20 business days. It also does n't excuse them from not mailing me a letter notifying me of how to fix my application once they saw it was done incorrectly. I also was incorrectly told that my application was completed correctly and sent off to the federal government. I only discovered that my application was n't done correctly after taking the initiative to call and check how my application was progressing.

I have filed a complaint. The complaint was denied and I was told I was responsible for all interest accrued. They will be mailing me a letter explaining why the made this decision. I also asked to obtain all of my account notes and a record of my phone communications with them. I was told it would require a subpoena.
Complaint sub-issue: Account status incorrect

On or about XX/XX/XXXX, I began requesting an income driven student loan payment plan. On this same day I finished the application and uploaded my XX/XX/XXXX tax return. I received an email from Nelnet stating that I needed to do nothing else and the process can take several weeks to review. I waited for the review to be concluded per the email. 

In XX/XX/XXXX, I received a hit to my credit report for late payment of my student loan and that it was between 90-120 days late. I immediately contacted Nelnet because I did not understand why my loan would be charged as late when I was waiting on them to complete their review. 

A late payment to my student loan account means that I have multiple late payments for the same loan. So I may have 13 late payments which harshly affects my credit. I was able to get the deferment taken care of until the income driven payment plan was finalized. The deferments go back to cover all the dates that there behind. 

I have proof and documentation showing that I had finished the application and was told that it can take up to 3 weeks to get it finished. My taxes were upload proving my income. While I am waiting they just send in the late payment information to the credit reporting agency.
Complaint sub-issue: Account status incorrect

I opened a XXXX dollar secured credit card with XXXX XXXX in XX/XX/2016. In XX/XX/2016 my balance was XXXX I called XXXX XXXX and closed the account and told them to apply my XXXX to the balance. Close the card and send me the balance. I never received any money from them. I recently signed up for XXXX XXXX and found they have been reporting the account in a negative status ever since and eventually as a charge off. I want them to stop reporting anything about me to any credit bureau.
Complaint sub-issue: Can't close your account

Dear consumer finance Protection Bureau. 
To whom it may concerned, I wish to filed a complaint on Citibank. on XX/XX/XXXX, I applied for a debt Consolidation loan through my credit union to consolidate several accounts. But as of XX/XX/XXXX only two was not resolved, the best buy with a balance of ( {$440.00} ) and Home Depot balance of ( {$800.00} ). My credit union relationship specialist has been working on helping me in resolving this situation, but to no avail. 
sincerely XXXX XXXX XXXX
Complaint sub-issue: Can't use card to make purchases

Received a letter dated XX/XX/XXXX from citicard that they have closed my account because my XXXX   membership has not been renewed. Actually it expires only on XX/XX/XXXX.
Complaint sub-issue: Personal information incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Address : XXXX XXXX XXXX XXXX, FL XXXX
Complaint sub-issue: Account status incorrect

I CAN NOT CURRENTLY WORKING DUE TO XXXX WHICH I HAVE BEEN FACING FOR OVER 3 YEARS. ALL STUDENT LOANS SHOULD HAVE BEEN DISCHRAGED THROUGH NELNET AS I HAVE ALREADY COMPLETED MY 3 YEAR WAITING PERIOD. THERE ARE STILL NEGATIVE STUDENT LOANS REPORTING ON MY CREDIT REPORTS
Complaint sub-issue: Was not notified of investigation status or results

I NEED THE CFPB 'S HELP. I 100 % feel neglected by XXXX, XXXX, and Equifax. I have sent all of them a letter including all the accounts that were unverifiable, invalidated, inaccurate, and questionable. I still have yet to receive a response.It 's been over 60 days. I need the accounts to be deleted immediately. All three bureaus are in violation of the FCRA.
Complaint sub-issue: Debt is not mine

We keep getting a message from debt collector ( phone number XXXX ) every week for over a year. I call back to tell them I 'm not XXXX XXXX please remove my phone number from your system but they hang up.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting act, the list of the inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX : Requested on XX/XX/XXXX, XXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXXXXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX via XXXX XXXX XXXXXXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX via Equifax XXXX XXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX  via XXXX XXXX : Requested on XX/XX/XXXX, XXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX via XXXX : Requested on XX/XX/XXXX, XXXX XXXX XXXX : Requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX  via XXXX : Requested on XX/XX/XXXX, XXXX XXXX XXXX : Requested on XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX : Requested on XX/XX/XXXX, XXXXXXXX XXXX : Requested on XX/XX/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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency maty make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( a ) ( 1 ) Section : States 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.