Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Didn't receive notice of right to dispute

On XX/XX/XXXX, XXXX XXXX reported a collection of {$110.00} & {$410.00}, and XXXX XXXX reported {$120.00} to the credit bureaus from XXXX and XXXX. I reached out to XXXX, who also handled the billing for XXXX at that time, and confirmed they had been receiving returned mail as undeliverable ( from a wrong address ). I asked them to confirm the address they had on file and found out they had the wrong address which means, I never received any letters, nor did I receive any calls about this debt. I asked them how can they report something to my credit file when I never received any communications to try and resolve the debt. As of today, I have paid the debt and asked that the collections be removed from my credit file, considering they never tried to locate a good address to send me communications. 

I am asking that all adverse reporting be removed from my credit file immediately.
Complaint sub-issue: Problem with fees

I have been trying to pay off a closed card through Citi Cards. During the Covid-19 this has been especially difficult, for a variety of reasons - not the least, the behavior of Citi. Very often, their website is down. They do not process scheduled payments on time, resulting in late fees. They do NOT respond to written requests to address these issues. I have written - via their secure message system on their website - repeatedly, trying to address these issues. But they take weeks to respond, resulting in more late fees, which frankly feels like the plan all along. 

They are unreachable on the phone. I will NOT continue to pursue them to resolve this. It is impossible. And if they wish to contact me, it needs to be in writing, either to my mailing address or via their own secure message system. 

But their conduct has been awful, especially during a time of great stress on working people everywhere. To take advantage of consumers at this difficult time, to pile on late fees and issue threats, is unconscionable.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

ON XX/XX/2022 AUTOTRAKK LLC threated to take legal action against me XXXX XXXX XXXX XXXX, consumer first, for not paying for a debt has not been validated legally and they threatened to get me arresting under XXXX  XXXX XXXX. This is against the fcra and i have came to this knowledge recently, AUTOTRAKK LLC has caused me fear, defamation of character, and grief with the inaccurate reporting in which i cant be approved for anything and committing to get me arrested which is unlawful un the FEDERAL PROTECTED CLASS FCRA 15USC1692e as it states " A DEBT COLLECTOR, IN COLLECTING A DEBT, MAY NOT USE ANY FALSE, DECEPTIVE, OR MISLEADING, REPRESENTATION. FOR EXAMPLE, A DEBT OLLECTROR MAY NOT : THREATEN TAKE ANY ACTION WHICH IN NOT LEGAL OR INTENDED.ALSO FALSELY REPRESENTS OR IMPLY THAT A CONSUMER COMMITED A CRIME OTHER CONDUCT TO DIGRACE THE CONSUMER. DEBT COLLECTORS WHO VIOLATE THESE LAWS CAN BE HELD CRIMINALLY LIABLE UNDER THE FCRA UP TO {$1000.00}. 

I also sent a cease and desist letter out on XX/XX/2022 VIA EMAIL AND CERTIFIED MAIL to AUTOTRAKK LLC AND THE CEO XXXX XXXX, XXXX, XXXX, AND XXXX and replied back and said and i quote " that don't mean anything to us '' AUTOTRAKK LLC has completely disregarded my cease and desist and is in violation according to law.in the FCRA it states " WHEN A CONSUMER REFUSES, IN WRITING, TO PAY A DEBT OR REQUESTS THAT THE DEBT COLLECTOR CEASE FURTHER COMMUNICATION, THE COLLECTOR MUST CEASE ALL FURTHER COMMUNICATION, EXCEPT TO ADVISE THE CONSUMER THAT : THE COLLECTION EFFORT IS BEING STOPPED. Beyond this point i have received over 50 phone calls all attached below in attachments. They have harrassed me for months after me telling them verbally and written letter to leave me alone and stop communicating with me and all CRAS ABOUT THIS DEBT. also attached is my consumer profile information from AUTOTRAKK LLC up to date as of XX/XX/2022 which should not be reporting.
Complaint sub-issue: Received bad information about your loan

MOHELA does not respond to phone calls, portal messages, and sent me 4 letters stating I do not qualify for PSLF because my government and nonprofit employers are really FOR PROFIT employers which is false. I'm VERY close to forgiveness so I guess they really want me to file a lawsuit. MOHELA must fix these issues and illegal practices immediately.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX {$1300.00} I have been in contact with this agency several times, first class mail, certified mail, return receipts and still no response. I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY. I have been in contact with furnisher and no information have been provided, pursuant to XXXX XXXX Fair Credit Reporting Act. I am being harassed, badgered my credit with no explanation on an erroneous, alleged collections information. XXXX XXXX has never proved this debt belong to me legally.
Complaint sub-issue: Problem with customer service

I accidently made TWO {$200.00} payments in XXXX which nelnet happily accepted so I assume I owe NOTHING for XXXX since I'm ahead one month. I'd email nelnet myself and ask them but their customer service sucks and apparently only robots reply to emails.
Complaint sub-issue: Company closed your account

my business bank account was opened and closed without my permission
Complaint sub-issue: Their investigation did not fix an error on your report

My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX I sent a dispute letter to Equifax for the following accounts, XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$1600.00} )XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$440.00} ), XXXXXXXX XXXX XXXX  XXXX ( Date Opened : XXXX XXXX, XXXX, Balance {$280.00} ), XXXX XXXXXXXX XXXX XXXXXXXX ( Date Opened : XXXX. XXXX, XXXX, Balance {$0.00} ), XXXX XXXXXXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$820.00} ). As well as the following inquiries, XXXX XXXXXXXX XXXX XXXX ( Date : XXXX XXXX, XXXX ), XXXXXXXX XXXX XXXX XXXX ( Date : XXXX. XXXX, XXXX ), XXXX ( XXXX XXXX, XXXX )XXXX XXXX XXXX XXXX  ( Date : XXXX XXXX, XXXX ). It's been over 45 days since I sent this dispute and they have not answered nor corrected these issues as they are required to by the FCRA.
Complaint sub-issue: Talked to a third-party about your debt

Sent my collection information to a friend by email and also another email that is close to my email but slightly different. Very pushy and threatening people.
Complaint sub-issue: Account information incorrect

ON XX/XX/XXXX, a letter was sent certified to Ally Financial contesting their information on my account and incorrect credit bureau reporting. 
I stated that while I was XXXX in a hospital, Ally repossessed my vehicle without any notices given to me and allowing me to cure my missed payments. After the vehicle was repossessed, they stated they made a charge of in the amount of {$22000.00}, and then stated there was a past due amount of {$1600.00} as of XX/XX/XXXX. 
UCC 9.506 and the RISA and MVISA statutes were violated here. 
Ally was contacted right after the vehicle was repossessed and they would not give me any information about the vehicle or my account.
Complaint sub-issue: Was not notified of investigation status or results

Since XX/XX/2021 I have been filing a dispute with all 3 credit bureaus and in particular 2 accounts have still not been investigated that is XXXX with all 3 bureaus and XXXX AND XXXX XXXX with XXXX. I have attached every dispute that has been sent to all 3 bureaus for these accounts. I also specified in each dispute the errors and discrepancies that are being reported. This is clearly a violation on so many levels as a consumer with not opening an investigation and not removing the inaccuracies being reported. Included also is my Driver 's license, utility bill and ssc for proof of my identity. Please considered this my written authorization for an investigation. At this point the bureaus have passed the timeframe given by the FCRA for an investigation. If I have to I will go as far as getting a consumer attorney and filing a civil suit. Please remove these items from my report immediately. 


Thank You
Complaint sub-issue: Can't temporarily delay making payments

American Education Services claims it is exempt from the CARES Act that mandates all Federal Student Loans must be put in automatic no-interest forbearance due to the COVID-19 crisis. They are claiming that the CARES Act applies only to loans held by the ED ( Department of Education ), and not by lenders such as themselves. They claim that I do not have Federal Student Loans with American Education Services that fall under the CARES Act. 

I, in fact, do have Federal Student Loans. These are not private loans. I got them when I was in school in XXXX, and my Federal Student Loans were serviced by XXXX. In XXXX, American Education Services purchased my loans from XXXX, without any input nor approval from me. When I log in to American Education Services, and look at my loans, I have two loans : One XXXX Loan, and one XXXX Loan. 

I am requesting that American Education Services comply with the instructions mandated in the Federal CARES Act, and place my loans in ZERO-INTEREST Hardship Forbearance, as required by the Federal Government in the CARES Act.
Complaint sub-issue: Problem getting my free annual report

I went online to request my credit reports ; Equifax stated I have to mail them my personal information such as a copy of social security card and my driver 's license through the postal service before they would release my credit information. The other XXXX failed to provide any information as their links were in-operable. XXXX XXXX did a report on their careless handling of the nation 's repository information and their inaccuracy. It prompted me to request my information because for the last six months I have been trying to get a job. I believe these XXXX are the sources of my pain. I am not comfortable sending my information through the mail and I should n't have to pay to send it express or registered mail. There so called credit repository are a disgrace to the nation and its citizens. Your organization should disbanned these XXXX.
Complaint sub-issue: Account status incorrect

Equifax, XXXX and XXXX XXXX are reporting inaccurate information. My credit score should be in 700 's. A lot of finance companies on my report that I've never dealt with. Please correct this information. I want to buy a house and buy some property.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Inquired on XX/XX/2021, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Inquired on XX/XX/2021, 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 an account without my written instructions
Complaint sub-issue: Account status incorrect

Equifax is showing closed accounts as open and revolving. I filed dispute on XXXX would like Equifax to make corrections and update my credit report with correct information.
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and Equifax to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I went into a XXXX XXXX to apply for a car loan and they applied to multiple companies for me on XX/XX/XXXX. Since then I have received multiple letters in the mail with offers, counter-offers, or denials of loans. The issue is this : one of the companies, XXXX XXXX, sent me two letters in the mail I received today, XX/XX/XXXX, denying my loan application and lists my credit scores from XXXX, and some odd credit reporting agency I've never heard of called Sagestream LLC. My credit score from XXXX   listed by the letters is XXXX but the Sagestream agency lists it at XXXX and both letters state they used Sagestream as a deciding factor in the loan denial. 

After a visit to their website to find out why my score is so low through Sagestream I found out that the only way Sagestream will give me a copy of my credit report from them is to send off copies of personal information such as my social security card and drivers license through the mail. Their company phone number just led me through a chain of robots without any real help from an actual person. I am reluctant to send off any personal information to a company I have never heard of for credit history until today and all reviews I read of this company have labeled them as a scam. 

Listed on the letters from XXXX XXXX under Sagestreams reasons for adversely affected scores are " Limited history for consumer at address & phone ( Applicant ), Length of time accounts have been established too short ( Applicant ), Not enough bankcard debt experience ( Applicant ), Not enough debt experience ( Applicant ). '' I've had my phone number since 2005, lived at the same address for 20 years, had my bank card since 2005 with zero delinquencies or overdrafts, and I've had my credit card for over a year with perfect payment history. 

To have an unknown company with false information and who tries to use shady tactics to obtain personal information be the adverse factor in a bank 's decision to offer a loan to me has sent many red flags and is the reason I am filing a formal complaint against Sagestream LLC and XXXX XXXX for partnering with them and for potentially sharing my personal information with Sagestream LLC.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed two accounts under the name XXXX XXXX XXXX with them directly on XX/XX/2018. I requested validation from this company to include the signed application, signed lease, break down of all charges, payments and communication logs. I finally received a letter back from XXXX XXXX XXXX that only included a typed bill for over {$7000.00}. These accounts/collections are false and erroneous reporting. I've never resided at this address and am actually XXXX XXXX military. I've already sent a letter to equivalent with these papers and have heard nothing back. But it's still reporting negatively on my account. I do not think me asking for a lease to an apartment I'm being accused of oweing is absurd to ask for. I'm now asking CFPB, FTC and the XXXX to step in. 

I'm attaching a copy of the paperwork from the credit collection company to support my claims. 

I'm demanding this be deleted ASAP.
Complaint sub-issue: Report provided to employer without your written authorization

. I am requesting PROOF OF MY WRITTEN CONSENTED TO FURNISH ANYTHING IN MY REOORT or reporting to consumer agencies.. and responding to XXXX XXXX XXXX of Nelnet customer service dept. nowhere in this letter states how you were authorized without my written consent to furnish a consumer report. Nelnet is in direct violation of FCRA, and consumer laws, pursuant to 15 USC 1681 you need Permissible purpose to report anything on my consumer report you may also be liable for up to {$10000.00} or misdemeanor. I have already proven that identity theft and the unauthorized actions XXXX  has fraudulently obtained and continue to report. 
Inaccuracies, They have not notified the CRA of my dispute, According to 15 USC 1692,1681 A ( b ), the The only way any information obtained has to come from the consumer myself which has not. As well as the privacy laws you are direct violation of. I have a legal rights and consumer rights protected by the federal government and it is being requested to stop reporting on my consumer report since you did not have my written consent to do so. Pursuant to Appendix A To Furnisher rule 660. Your policies must prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers ; Not only that but If you are a debt collector furnishing information to a CRA about the accounts of a creditor, you must report the date of delinquency given to you by the consumer XXXX. FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. You have now lied via mail if my rights and violations you have infringed on. 
I have still no information or correspondence regarding how Nelnet got my written consent to furnish anything on my consumer report. Unless they did so without it. At this time it is also been passed 30 days for conducting a proper investigation, it is clear that Nelnet has not notify the CRA of this dispute and proof of my written consent and show me where I gave up my rights to thereof. I have already requested documents pursuant to FTC laws and identity theft investigation and clearing my name, Nelnet has not provided the documents under this code. They have not provided my written statement proving I gave them consent to furnish anything on my consumer report. But yet responding to irrelevant nonsense. As stated by the federal trade commission : If you dont comply with the FCRA, you may be sued by the FTC XXXX Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers. The FCRA provides for maximum penalties of {$4100.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621.
Complaint sub-issue: Account information incorrect

I disputed a missing historicial payment history on my XXXX credit card account, on my Equifax credit report in early XXXX of XXXX.It was verafied as accurate and they never fixed the problem.The payment history is marked monthly as " no data avaiable '' .This is incacurate and needs to be updated.
Complaint sub-issue: Problem accessing account

On Friday, XX/XX/XXXX, I lost all access to my accounts due to the PNC/BBVA merger XXXX They assured us access would be restored the following Tuesday, XX/XX/XXXX by XXXX. I have not been able to see one of my business accounts or my personal account since. I have spent over 10 hours on the phone and made two branch visits but the issue still isn't resolved. They are now telling me to wait 14 more days to see my accounts.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXX XXXXas violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Personal information incorrect

Please review my formal writ of composed declaration of NOT PROVE COMPLIANT MISINFORMATION that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infractionious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! 

To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. 

I have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to demand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title 1 sec. 151 that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed copies of my state issued identification and Social Security number to validate my identity. I believe that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated immediately!
Complaint sub-issue: Information is missing that should be on the report

The previous complaint with cfpd is XXXX. Equifax has not corrected the report, and I provided my driver 's license to prove my identity. I applied for a line of credit and the report has my former name and none of my updated lines of credit. Only credit from XXXX is showing. Missing is my current car loan, credit cards, job, salary, and address. Equifax has had more than 60 days to make the corrections and it has not. Equifax responded in XX/XX/XXXX that it was working on the issue and as of today, my credit report remains incorrect. I am applying for a personal loan and because the information is incorrect, I am being denied.
Complaint sub-issue: Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XX/XX/2020 XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7700.00} XXXX XXXX Balance : {$0.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.