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

1. Sold a consolidated loan but it was not disclosed that this would disqualify me from receiving teacher loan forgiveness programs. 
2. Later, refused to 'receive ' my application for in-school deferment. I had to give up eventually. 
3. Enrolled me in a low income repayment program without disclosing this would be taxable, and that it would capitalize. 
4. When I began making standard payments on a standard repayment plan, I called to ensure my loans would not again capitalize ( as they had only months before ), I was assured they would not, and they were. So, the {$15000.00} or so I paid in 2016 resulted in a principal balance that was {$1000.00} more than I had had one year prior. 
5. They robo called initially. 
6. They NEVER respond to email. They do not record calls in California. The documentation they send is impossible to understand without a XXXX XXXX.
Complaint sub-issue: Account information incorrect

I have no problem with my XXXX student loans, other that to claim that XXXX automatically posted my student loans as 90 days late, while the four accounts were in deferment. I would appreciate full disclosure from XXXX to clean up my payment history and delete the negative payment history altogether. This violation s purely against my rights under the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. The negative payment histories on all four accounts must be erased immediately and permanently.
Complaint sub-issue: Their investigation did not fix an error on your report

Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit reports contains a late payment reported on XX/XX/2020 for my XXXX account. I want to dispute this as inaccurate.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021 Ii sent a letter regarding inaccurate and unknown items on my credit report, to this day over 60 days ago, I have not received a response yet. I feel like I am being taken advantage of and my disputes are being ignored. Section 611 ( a ) It is blatantly state that failure to investigate these items within 30 days, gives reason to immediately remove those items from my credit report. It has been over 60 days so the items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted in the Equifax data breach and may have gotten into the wrong hands.
Complaint sub-issue: Information belongs to someone else

I sent a notarized dispute via certified mail to Equifax about an account that is reporting as a result of IDENTITY THEFT and Equifax has failed to delete it within the 5 day period. Equifax is in violation of my consumer rights! XXXX XXXX XXXX illegally shared my personal information with XXXX. I have no contract with mercantile nor have I ever had any contact with XXXX  whatsoever. XXXX then initiated a inquiry on my consumer report that I did not consent to. No consent is IDENTITY THEFT. I would also like to state that I never gave Equifax my written consent to report this information. Equifax is in violation of 15 usc 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Equifax any written consent to report this information. No consent is identity theft. If Equifax does not delete this account immediately I intend to file a identity theft affidavit against Equifax. If Equifax wishes to continue to do business with me they should delete this account immediately.
Complaint sub-issue: Information belongs to someone else

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX  XXXX {$11000.00}
Complaint sub-issue: Talked to a third party about my debt

I have been receiving threatening calls from XXXX XXXX. In their voice messages, they state that they are going to sue me and have me served with papers at my place of employment and at my home. In addition, they contacted my parents and disclosed all of the information regarding this " debt '' and told my parents that I was going to be sued. When I attempted to call XXXX XXXX to question them about their harassment and collection tactics, the case worker who refused to give me his name stated that my father was right about me, I never pay my debts and steal money. This is insulting and false on all counts.
Complaint sub-issue: Investigation took more than 30 days

In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I was working with XXXX XXXXXXXX XXXX for a loan modification to lower my mortgage payments. The entire process had taken over 3 months to resolve. I had communication with them including their coroporate office. The first modification amount was more than I was paying by XXXX dollars they kept making excuses regarding my account speciaist assigned to my case. The second amout was XXXX more than what I was paying. Once they had completed the process before being acquired by XXXX XXXX I was paying XXXX when my original mortgage was XXXX or less. XXXX kept transferring me to another account specialist which started the process again. I was instructed not to make a payment during the process. The next modification amount was even higher than the first one. At this point XXXX  XXXX XXXX told me they sold my account to XXXX XXXX who worked with me and lowered my mortgage. During the three months of disputing with XXXX they reported my account as late to all three credit bureaus. XXXX XXXX has since been broughtout by Mr. XXXX. As to date XXXX has not removed the 90 day history from my credit accounts and now I am trying to buy a new home and the 60 days late payment is hindering my credit and I need to have it remove. XXXX is non-responsive when I try to call and will not provide me with any additional information. Since being acquired by XXXX XXXX they were not able to remove any deragtory marks from my credit reports.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a victim of identity theft. This company requested my credit on behalf on someone fraudulently obtaining my personal information and using it to attempt to open an account. Although no account was opened this inquiry is showing on my credit file and adversely affecting my credit score. I have attached letters from creditors documenting the identity theft and a copy of my photo ID.
Complaint sub-issue: Don't agree with the fees charged

Nelnet reported to all 3 credit bureaus that I had a student loan taken out with them. I have never applied for a student loan, I have never received a student loan, and I have never signed a contract for a student loan. This fraudulent loan was taken out with the use of my social security number ; however my name is not on the contract. 

The references on the contract are not my relatives. 

My name and my signature are not on the contract. 

Nelnet refused to provide the original contract to me for over two years ; however continued to tarnish my name and credit score with false and fraudulent reports to all credit bureaus. 

Nelnet reported my name and information to several third parties without written consent to share my personal and private information showing their illegal practice. 

I have filed multiple police reports in which Nelnet has ignored. The police know the individual that applied for this loan in my name and Nelnet will not respond, they continue to fraudulently report my information to third parties. 

Nelnet has information with 3 different names, 4 different addresses, and emails/phone numbers that have never belonged to me. 

This fraudulent loan has caused significant hardship, including killing   my buying power and tarnishing my name and credit score. I was unable to purchase my home because of the FRAUDULENT loan. 

Nelnet is reporting payments being made that I never made on this fraudulent loan along with other false information ( false names, address, phone number ) that Nelnet is providing to the credit bureaus without my consent, knowledge, and without factual proof. Nelnet is engaging in illegal practices that need to be stopped immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX 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: Account information incorrect

I XXXX XXXX have no other recourse but to see if an act of kindness can be ascertained through the Consumer Financial Protection Bureau. During the year 2019 I was traveling to my original country on business and family matters, and my wife was in charge of family business, which included paying my bills on time. However, as a mother of XXXX children she lost focus. My statements with XXXX XXXX XXXX XXXX XXXX were not attended to properly, and therefore my perfect credit history was tarnished. I therefore request this member of the credit reporting agency system to give an honest review of my payment history and the removal of my late payments of XX/XX/2019 and XX/XX/2019. I am not disputing the current rating, but I am asking for an honest review and to be given every consideration for the negative payment removal. 
XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

My XXXX car loan is showing late payments. I have been attempting to have the late payments removed by disputing every month since XX/XX/XXXX. I've disputed between the months of XX/XX/XXXX - XX/XX/XXXX. Each time the dispute is initiated - XXXX reports updated information to XXXX, XXXX  and Equifax changing the level of delinquency and in which months the payments supposedly happened. The Fair Credit Report Act explains that since the information is inconsistent it must be removed and not updated. I attached the latest example of how XXXX  is reporting different late payments to Equifax and XXXX. Please help me to have all late payments removed from my credit reports.
Complaint sub-issue: Account status incorrect

Good afternoon I have student loans that are service by the department of education. XXXX. Originally they did a garnish on my account in where they collect close to {$1500.00} if not more then while they were garnish my payroll I started making monthly payments of {$20.00} which was decrease to $ 5 monthly and it has been withdrawn every single XXXX of the month without delays or being late. The department of education continues to show collections activities with derogatory information which is damaging my credit and preventive me to qualify for a home which I am in so much in need for my children. I had tried to speak with them without resolving this matter. I dont think is fair. Yes I do have a student loan debt but it's being paid according upon agreement I do not believe it's fair continue this negative reporting when its incorrect and unacceptable.
Complaint sub-issue: Trouble with how payments are being handled

I am recently XXXX XXXX XXXX classes and have been for the third XXXX  and went through and looked at my financial aid money coming in and don't agree with what they're taking from me. They are taking transportation cost and personal expense cost and also living costs. That money should be coming to me each semester and they are taking that instead.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Never authorized it.Please removed it.
Complaint sub-issue: Debt was paid

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Complaint sub-issue: Public record

I had a number of tax liens that I have seen paid and satisfied with the State of Ohio. Once I received the notices of satisfaction and after I filed the paperwork and paid the necessary fees with the courthousesXXXX, I then sent copies to all of the credit reporting agencies. Several of the liens have been deleted. Others still remain. XXXX still reports XXXX. XXXX still reports XXXX. Equifax still reports XXXX and XXXX all of which have been paid and released and I have sent supporting paperwork multiple times. Each time I dispute, they will reinvestigate and confirm but will not delete. However, several other liens were deleted upon request. It is difficult for me to understand the randomn action. I am rebuilding my credit and the liens will hold me back in terms of my score and will make it continuously difficult for me and my new family to prosper. I am asking this board to investigate if needed/and or direct the credit agencies mentioned here to deleted the aformentioned liens on my reports. Thank you and I appreciate any help you can provide.
Complaint sub-issue: Public record

I went to check my credit report on XX/XX/2017 and I notice that they were showing my chapter XXXX bankruptcy. The information that is on my credit report was pulled from a third-party reporting agency. The clerk of court of XXXX County told me that they do not report public information to the credit agency. Therefore this information needs to be deleted from all of the credit reporting agencies.
Complaint sub-issue: Information is not mine

I recently reviewed my Equifax Credit Report and viewed a Credit Inquire I do n't recall authorizing. The inquire was conducted by XXXX XXXX XXXX on XXXX XXXX, 2016. I have had previous unauthorized inquiries conducted by XXXX XXXX removed from my credit report.
Complaint sub-issue: Add-on products and services

To Whom it may concern : I signed up for and received credit for BestBuy through Citibank in XX/XX/XXXX. 
I was not made aware of the add-on service " Debt Protection ''. I had other monthly recurring services on the card and did not notice the monthly charge until XX/XX/XXXX of this year when reviewing my account for recent purchases and balances. 

I did not sign up for this service when I opened the card and have no need for it. 

I called onXX/XX/XXXX to cancel the service, request a copy of my signature acknowledging the service and requesting a refund. I was advised that I should recieve an update regarding the issue by XX/XX/XXXX.
Called back on XX/XX/XXXX and was advised that there was no status update available, updated address info on file. 

Called back again on XX/XX/XXXX, was advised that no update was available and no record. Rep advised that they were sending a 2nd request for review and refund. 
Requested address to mail a written request as well. 
Was provided the following address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Sent letter the same day via USPS. 

Called back on XX/XX/XXXX to check that letter was received and check the status of previous requests. Spoke with an individual by the name of XXXX. Was again advised that there was no status update and an escalation would be submitted and that I should personally receive a call back within 30 days regarding a refund. 

Called back on XX/XX/XXXX to follow up as nothing had been received via mail and no call had been received. Spoke with XXXX, she was unable to assist and transferred me to XXXX in Oklahoma. XXXX then transferred me to XXXX who said she would speak to a manager and again escalate the issue as well as request a copy of my signature acknowledging the enrollment in the Debt-Protection program. 
XXXX came back after speaking with her manager and said they were waiting on an email from their refunds department and to call back on XX/XX/XXXX and they should have an update/resolution for me. 

Called back on XX/XX/XXXX to follow up as instructed. Spoke with XXXX in Oklahoma who advised that there was no update and it can take up to 30 days. This was conflicting information with what I was given the previous week and was following up on. I requested to speak with a manager and was directed to an individual named XXXX who claimed to be the on-call supervisor with a username of XXXX. 
I requested a status update as I had been told to call back for the previous week. XXXX told me that they had no update and try again in a week. I expressed that they had told me to call back on XX/XX/XXXX for an update and that I am tired of the runaround and lack of follow through on the commitment that they had given me for an update on XX/XX/XXXX. I also expressed again that I was still waiting for proof of enrollment as well. 

As it stands, it looks like I will again try to call in sometime in XX/XX/XXXX as I still work to get this resolved. 

I have asked for a case/claim # for my issue numerous times and been advised that there is not one for my issue.
Complaint sub-issue: Information belongs to someone else

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXT XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information is not mine

ON OR AROUND XXXX XXXX, 2016 CONSUMER ( MYSELF ) FAXED TO CREDIT REPORTING AGENCY " EQUIFAX '' A IDENTITY THEFT FRAUD AFFIDAVIT PACKET CONTAINING A XXXX POLICE REPORT AND SEVERAL DISPUTES ALLEGING FRAUDULENT ACCOUNTS BEING OPEN WITHOUT HIS ( MYSELF ) CONSENT. PER FEDERAL LAW, INFORMATION RECEIVED TO BLOCK SUCH INFORMATION SHOULD HAVE BEEN TAKEN WITHIN 5 BUSINESS DAY HOWEVER, CONSUMER HAD TO CONTINUOUSLY DISPUTE ACCOUNTS AS IF NOTHING WAS EVER RECEIVED VIA FAX. TO THIS DATE NEGATIVE ITEMS REFLECT ON REPORTS AND EQUIFAX IS REFUSING TO TAKE SUCH ACTIONS.
Complaint sub-issue: Reporting company used your report improperly

Investigation Request Letter XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX [ Equifax Information Services, XXXX XXXX XXXX XXXX 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 XXXXXXXX To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX XXXXXXXX  sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX XXXX  right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have XXXX XXXX to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Type : Auto Loan Action Requested : Please provide proof that its reporting correctly from the Courthouse and not a XXXX party and delete if anything is incorrect. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : XXXX  Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Paid Account/Late Payments : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Type : Credit Card Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Paid Account/Late Payments : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Type : Credit Card Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting XXXX XXXX accurate, please remove them from this account and update the account as paid as agreed I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX