Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status

I 'm submitting a complaint against all XXXX bureaus ( individually ) due to the failure to investigate and process my disputes. I have notified them that the information that they are reporting on my file is not correct and I have yet to see more than XXXX updates in the past 5 months. This is absolutely ridiculous and they are a farce of a company just pulling in money for reporting inaccurate information. I require a full investigation and for the information that I have disputed with them to be processed, updated or removed within the 30 day time period or I will have no choice but to make a complaint with the Texas Attorney General as well as make a press release that details how they have failed to investigate my disputes.
Complaint sub-issue: Frequent or repeated calls

It is a debt collector ( Direct Capital XXXX ) who claims that I owe for a payday loan. I asked for all their contact information and the man I spoke to hesitated to give me all the information. I asked for a verification letter and he said they could n't mail XXXX out and the best they can do is email it. I pushed for a hard copy to be mailed to me and he reluctantly agreed. It 's been 2 weeks and I have n't gotten a hard copy mailed to me. I finally got an email today but it does n't look legit. I looked up the address he gave me and it is a business called XXXX XXXX. It 's not Direct Capital XXXX like they claim it is. They called my sister looking for me and she got an automatic message that said they were looking for me and there was a complaint filed with my SSN and I need to contact them. They left that same message for me and when I contacted them, they said they were about to send my information to a legal party and sue me for triple the amount if I do n't pay. He also stated that they had mailed out letters. He told me which address they mailed them to and I had n't been at that address for 6 years or so. He said they tried to find my current address but were unable to. I told him I do n't know why that is since I had changed my address with the post office to my current XXXX about 3 years ago. I would like to send them a cease contact letter but I do n't know if it would do any good since the address they have listed and the address he gave me seems to be for another company entirely. I have been called from various numbers by them. XXXX number was local and the other numbers have been out of state - Florida I believe. They never leave any messages.I am trying to take care of my legitimate debts but this XXXX I really believe is a scam.
Complaint sub-issue: Trouble with how payments are being handled

I recently set up auto draft for my account to draft my monthly payment from my bank account simply out of convenience. Im a busy person working 50 plus hours a week and I wanted to simplify my life by setting up auto draft. I have been making consistent payments of XXXX a month by manually going to the website and making the payment myself every month. I setup auto draft in XX/XX/2019. Nelnet made my first auto draft of XXXX on XX/XX/2019. Ok awesome my auto draft is set up and ready to go no more worries right!? Wrong. 

Nelnet turned around 3 days later and drafted XXXX dollars off my account on XX/XX/2019. Ok XXXX is this about. I call, they said oh it was a mistake you had one of your loans drafting at a different time of the month than the others, we will combine your loans into one monthly payment. What day of the month would you like your payment drafted on? I stated lets do the XXXX of the month since thats one of my paydays. Ok sir we will have auto draft of XXXX dollars on the XXXX of every month. Awesome thanks! 

Now heres the real cool part. Fast forward 10 days to XXXX XXXX. Check my bank account to find Nelnet drafted ANOTHER XXXX DOLLARS FROM MY BANK ACCOUNT!! What happened to XX/XX/227 dollars? How am i suppose to pay my mortgage when they have taken XXXX dollars from my bank account THIS MONTH ALONE!! Im so upset, Im a single father I have to pay my daughters health insurance and my mortgage and I have no money left thanks to Nelnet. This needs reported. I want my money back.
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has  gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Complaint sub-issue: Received bad information about your loan

I ask that the CFPB compel AES the servicer to respond to my XX/XX/XXXX feedback from my initial CFPB complaint # XXXX. 

And today I report two separate events that have occurred since the initial complaint. These events demonstrate the servicers continued pattern & practice of : XXXX XXXX XXXX XXXX XXXX loan modification terms that are in the servicers economic benefitnot the borrowers Modifying loan terms without borrower consent. 
Servicer disregarding borrower instruction then using their discretion to modify the loan terms. 

1. In XXXX of XXXX there was a presidential order pausing student loan repayments. AES the servicer contacted me making me aware of this option. At that time I was working and continued to pay my monthly obligation. Then I became unemployed in XX/XX/XXXX. At that point I contacted AES via phone call informing them that I was now unemployed and would not be paying utilizing the presidential order. They accepted my communication, and my payments were paused. I discovered more than a year afterwards that they place the loan in a Unemployment Forbearance instead?!?!?! 

2. This Unemployment forbearance was to end in XX/XX/XXXX. That fall I was required to reapply for the annual XXXX XXXX payment recalculation which was completed timely and correctly. I learn after the XXXX deadline that they did not underwrite my file. This accelerated the payment amount to be {$1700.00} for the XXXX XXXX monthly payment. On a phone call in XX/XX/XXXX, I corrected them ( which had no material differences from my initial submission ) so they could complete the processing of my XXXX application. They did process my paperwork and adjusted my XXXX to a new 2022 monthly payment of {$390.00}. At that moment AES was requiring me to pay the XX/XX/XXXX {$1700.00} payment. I spoke with an AES client services manager to correct the XXXX payment to be the corrected XXXX payment of {$390.00} vs the {$1700.00} amount. That manager responded that he would call back with a resolution. I received no calls or communication until late XX/XX/XXXX when I called in to AES. Then I learned that my XXXX payment was added to the outstanding principal via an Administrative Forbearance which added that XXXX payment to outstanding principle Additional thoughts Why am I not being disclosed nor required to consent to their terms? E-Signature technology is commonplace and should be utilized for all correspondence with the servicer. To this point I contend that their disclosure does not meet legal requirements and should void the loan.
Complaint sub-issue: Old information reappears or never goes away

XXXX keeps adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are extremely detrimental to this process. First and foremost, I have been in student status and military deferment since XX/XX/XXXX, not to mention they did not have my correct contact information and I was not notified that I was out of forbearance. I respectively ask that the late payment statuses XX/XX/XXXX -XX/XX/XXXX be REMOVED and set to CURRENT. As soon as I spoke with a rep at XXXX my loans were put back in Military deferment/Student Status. Also, I am requesting that all loans older than 7 years be removed/deleted off my credit report at once in order to comply with the FCC, as that is more than the SOL for my state I need this done ASAP, as XXXX is doing illegal collecting and reporting porting practices to all three credit bureaus.
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I learned that without my knowledge or any connection to me, these inquiries had been published on my credit file. Please help me remove these items from my report immediately. According to FCRA section 605b, the credit bureaus are required to remove or restrict any information mentioned on an identity theft report. I have provided certain documents to help in the blocking of the fraudulent information that are being posted on my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello cfpb, the following list of dates and corresponding company names are fraudulent inquiries on my credit report that I did not authorize the companies to pull my credit and should be removed from my credit report. 

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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you in advance, Respectfully, XXXX XXXX
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 confidentially under 15 USC 1681. XXXX Accounts # 1 XXXX XXXXXXXX ( {$800.00} ) # 2 XXXX XXXXXXXX ( {$700.00} ) # 3 XXXX XXXXXXXX XXXX ( {$370.00} ) # 4 XXXX XXXX XXXX ( {$2700.00} ) # 5 XXXX XXXX {$700.00} ) 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 ) 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 the information is inaccurate.
Complaint sub-issue: Problem getting your free annual credit report

On XXXX XXXX XXXX I received an email from XXXX XXXX XXXX XXXX that a " Loan '' that I had applied for recently was " Denied '' because of derogatory credit information on my " Equifax '' credit report. I immediately called " Equifax, '' calmly explained to " Equifax '' my situation and asked them to mail me a " Free Copy '' of my " Equifax '' credit report that I am lawfully entitled to per the Federal law called the " Fair Credit Reporting Act. '' " Equifax '' staff said " No '' and rudely hung up on me.
Complaint sub-issue: Investigation took more than 30 days

I mailed letters to both XXXX, Equifax, and XXXX asking them to furnish -- within 15 days -- their information as to how they verified a Chapter XXXX Bankruptcy on my credit report. The letters were mailed out on XX/XX/XXXX. In addition to not receiving a response from any of the bureaus on the verification method, I also pointed out inaccuracies in how they all reported it in separate letters. There have not been any responses, changes, or deletions made as a result.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I was laid off in XX/XX/2020 due to covid and fell behind in making my payments to XXXXXXXX XXXX ( now sold to a collection agency JEFFERSON CAPITAL SYSTEM ). I notified the company and tried to make small payments out of good faith. I've asked them to stop reporting late payments and they refused. As a result, they continued to report my payments late and my credit score has decreased. It's not that I don't want to pay them. Due to Covid and the loss of income I have been unable to. Please help, as I would like to purchase a home and this has had an adverse impact to my credit score.
Complaint sub-issue: You never received your bill or did not know a payment was due

HAPPY MONDAY & hoping you're doing well during COVID because most of us here are struggling both personally and financially. I was shocked when I reviewed my credit report Today and found that you marked me late on my credit for being 30 days on XX/XX/2020 for 30 days. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Complaint sub-issue: Account status incorrect

In XX/XX/XXXX my mother ( XXXX XXXX, who had power of attorney at the time ) contacted XXXX to request a forebearance. This was right when COVID was beginning. They told her that my loan wouldnt even be able to go into forebearance until the loan was brought current, and furthermore that this would prevent any missed payments as being reported delinquent. So she brought my payment current by liquidating my 401k and paying XXXX and XX/XX/XXXX. There was NEVER any mention of any more payments to facilitate this process. It took XXXX until the end of XXXX to put my loan into forebearance with absolutely NO correspondence about any sort of extra payment. When she applied all they told her in XX/XX/XXXX was to make those payments and wait for the application to be processed. So I come to find out a couple of months ago that this entire time my loan has been in forebearance due to COVID ( still currently in forebearance ) that they have reported EVERY SINGLE PAYMENT as delinquent ; THIS HAS DESTROYED my credit score. I have been in contact with them several times since I found this out and keep getting empty promises as to it being resolved in the next few business days ; on every call. I have escalated it, and escalated it, and made notations on the account, even offered to pay the missed month to clear this up and delete the delinquent payments off of my report. In the most recent call, they told me it would be resolved by today, yet I have not received an email or phone call. What happened, so they say, is that since the XX/XX/XXXX payment was not completed when it went into forebearance, which made my loan payments not current. Again, my mother did everything they told her to by bringing it current, per their directions, by paying XXXX and XX/XX/XXXX in XX/XX/XXXX, and it was their negligence that made the missed payment in XXXX by not only taking so long to process the plan but not informing anyone that they needed payment for XX/XX/XXXX as well. The application was in as of XXXX and it took them until XXXX to process it with NO mention of any extra payment. My mother is retired and well established and will testify to this in any legal format deemed necessary. XXXX should also have phone records, so they say, as they always use a recorded line. Please help. I have done everything I can and they seem like they are just trying to bury this and destroy my financial future for years to come. We did everything they told us to do and now my credit score is a XXXX
Complaint sub-issue: Information belongs to someone else

There is a XXXX credit card # XXXX on my credit report that is not mine. I called to verify this account and although we have similar names, it not mine. The social, address, last full name and even the state in which this account was opened does not match any of my information. 

This particular account is affecting my ability to close on my new home this month.
Complaint sub-issue: Trouble with how payments are being handled

I sent a payment to pay in full a group loan on XX/XX/XXXX after I got paid. They ( Nelnet ) didn't process it till the next day. The next day ( XX/XX/XXXX ) they charged interest to an already paid off loan group. 

I was on the phone for a total of an 1 hour and 18 minutes. Everyone I spoke to said they couldn't help me and NEVER sent me through to a supervisor. I spoke to 4 different people for each one I asked repeatedly to be sent to a supervisor. They would just put me on hold until someone else that worked with them picked up the phone ( that wasn't a supervisor ). The information that I could get out of all 4 was I made the payment to late in the day on the XX/XX/XXXX. One person said when I send in a payment it needed to paid before XXXX, another said I needed to pay before XXXX. This DOES not help out the working class at all! Most people get paid on the last day of the month and then they go home after work and begin taking care of financial things. There was one common thing all 4 said and that was there was nothing they could do for me. The entire situation is wrong. Someone SHOULD be able to help me with this situation, the workers at Nelnet SHOULD have transferred me to a supervisor, and this entire situation of charging a person interest after they paid off a loan is robbery.
Complaint sub-issue: Problem lowering your monthly payments

XXXX XXXX is making me payback my loans of {$85000.00} at {$1200.00} a month. This is roughtly 41 % of my gross pay every month. After taxes my yearly income is about $ 36-37,000. I am unable to pay 41 % of my paycheck each month for just student loans. This is literally killing me especially with other expenses to worry about.I called the company and they said they couldnt do anything about it.
Complaint sub-issue: Account information incorrect

what happens is I saw online one advertisement that says they teach computers since. i called them they took all my information and made me sign for lots of paper and then they set me up for an orientation when I participated in orientation the people were from XXXX and their accent was very ruff I couldn't understand them then I just call them to cancel the class I'm not interested anymore. the school 's name is XXXX  now they have all my information they take from XXXX money behalf of my name i never apply for any lone I sign for class only but now climb.com asking me to pay for something i didn't get the service from they are trying to mess up my credit please i need help i getting scammed from XXXX when i tray to call them they don't answer my phone to my text
Complaint sub-issue: Information belongs to someone else

**THIS ACCOUNT WAS NOT REMOVED FROM MY REPORT ALTHOUGH I HAVE A RECORDING FROM COLLECTION COMPANY THAT THE ACCOUNT NUMBER IN XXXX IS NOT AN ACCOUNT ASSOCIATED WITH ME. Disputed two credit entries on Equifax report on XX/XX/2020. First account listed as XXXX ( account # XXXX ) and second account listed as XXXX XXXX XXXX ( account # XXXX ). Requested a deletion of the duplicate account. in my dispute. From my knowledge, I only had one account. Equifax confirmed that they verified and updated the accounts on XX/XX/2020. Both accounts remained on report. After calling the creditor and recording the conversation with the representative, it was found that only one account number was in fact associated with my name ( account # XXXX ). I requested a letter from the creditor on. XX/XX/2020 and XX/XX/2020 to confirm my correct account number and owed amount to send to bureaus and the letter request was refused. I contacted Equifax on XX/XX/2020 to state they did not validate or verify the debt because that account number ( # XXXX ) has never been associated with my name or my current account with the creditor. The representative said the creditor confirms the debt and they just update in their system. How can the. creditor state that I only have 1 account under my SSN and previous address but verify with Equifax all that I have another account number? The dispute stated duplicate account needed to be removed and the Equifax rep said they confirmed the owed amount with the creditor but not the account owner or account number. How can you confirm an amount owed without FIRST confirming the owner of the account to ensure it is reflected on the correct credit report.
Complaint sub-issue: Investigation took more than 30 days

its the data hackers that try to think Im stupid : FCRA violations : see the attachments for proof in the pudding : Account name XXXX  Account number XXXX Account type Education Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Open. 



XXXX XXXX Account number XXXX Account type Business Card Responsibility Joint Date opened XX/XX/XXXX Status Account charged off. {$21.00}, XXXX written off. {$21.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$21000.00} Balance updated XX/XX/XXXX Recent payment {$0.00} XXXX XXXX XXXX XXXX Do you see information you believe to be inaccurate? 
Start a dispute Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX, TX XXXX Resident type -
Complaint sub-issue: Debt was paid

I am filing a complaint on ERC that has added a collection to my credit report on a debt that is more than 8 years old and should be deleted from my credit record once and for all. This account was with XXXX in 2007 then with XXXX that is logged several kinds of ways on reports to camouflage them selves this account must be delete from my credit report. Credit reports provided as proof.