Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Old information reappears or never goes away

This is the letter that I. wrote to the student loan bank. I called the bank and they do not have anything in their records but the reporting agencies still have the info. on their records. I have disputed through them and nothing has changed. 

XXXX AES/XXXX XXXX XXXX  XXXX XXXX, PA XXXX USA Dear Sir/Madam : I am writing to dispute a late payment that was placed on my credit report from AES. I recently started 2 new jobs so I can make enough to endure inflation, exuberant expenses while I pay off my debt acquired by the last 2 years of changes. Your debt is one I plan to pay off this year hopefully. My account was deferred during Covid as my income was reduced tremendously just like the rest of the world. I just started 2 new companies and onboarding 2 new companies is a living nightmare as both positions are full time and production based. My 1st position is as a XXXX  XXXX, relies heavily on my score to maintain my license to work. If my score drops, I could lose my license and the ability to pay off my debt. The second position as a XXXX XXXX XXXX has a huge learning curve for me. If you send emails, I may have missed them as I get a lot of emails on my personal inbox and do not have the proper time to go through all of them as well as 2 other inboxes for each employment and they are all bombarded with emails. 

Furthermore, I did not receive proper notification that the account was out of forbearance or even late which I believe is in violation of the fair debt collection practices act. When I got notification on my credit reporting app that my score plummeted from XXXX to XXXX a XXXX point drop! I almost had a heart attack because of 3 late payments, I immediately checked and noticed it was your institution. I signed on to your site and noticed you still had old contact information which I have updated in the past and updated again this time around. I am not sure why it remains on your records. The reason for such a big drop is because my AES account shows 3 late payments but I only have one account with 3 loans. I have been working very hard to maintain a 100 % payment history throughout the whole covid. My scores were soaring in the XXXX by XXXX and dropped as I had to switch positions and use more of my credit during the transition, still my payment history was intact. Regardless of my life changes my score has never been this low ever since my divorce 10 years ago. 

I am requesting that the charge be removed as I have updated the account, paid all late fees and set it as automatic payments until I can pay it off. I can not afford to lose my license and my ability to pay my debt because of this mistake. Going back to one job will put me and my single parent household family in a bad position financially. I really appreciate your help with this matter and your time investigating your records and rectifying this reporting issue. I have included proof of how this is affecting my credit and the dispute form. Thank you for your assistance with this problem! 

Yours sincerely,
Complaint sub-issue: Their investigation did not fix an error on your report

I have provided Nelnet with several requests to exercise my right under the Gramm-Leach-Bliley Act to no longer share any of my non personal financial information to XXXX XXXX XXXX and has given them clear and conspicuous understanding as to what information I would no longer like to be shared. Nelnet has had not taken my matter seriously as I have disputed these accounts on numerous occasions and Nelnets responds asking for the same information I have already provided them that includes my student loan account information, reasons for dispute. I have mailed in a written requests as well as sent countless emails to their enrollment processing department in which they respond asking for the same information I have already provided. I have all the email transcripts as well as the mailed in documents for proof of my opt out request. I
Complaint sub-issue: Didn't receive enough information to verify debt

Because the Collection Company can not provide tracking confirmation showing that I received the Validation Notification via mail or electronic prior to them reporting to my Consumer Credit Report, they are in direct violation of the FDCPA and MUST remove it off my Consumer Credit Report IMMEDIATELY. I WAS NEVER REPRESENTED BY AN ATTORNEY INREGARDS TO THIS ISSUE BECAUSE I HAD NO KNOWLEDGE VALIDATIING THIS ACCOUNT AS I PREVIOUSLY STATED IN MY ORIGINAL DISPUTE. WHERE IS THE COPY OF THE ORIGINAL CONTRACT SIGNED MY ME. 
SHOWN ON MY CREDIT REPORT : NTL RECOVERY AGENCY {$6600.00}
Complaint sub-issue: Information belongs to someone else

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$8400.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/2022.
Complaint sub-issue: Personal information incorrect

On XX/XX/XXXX I called to report my bankruptcy charge was incorrect on the date of discharge. Then I was told my name was incorrect on the file, when I tried to correct it I was told a run around statement. Starting with them telling me they got my information from reporting agencies and then telling me to correct it by sending in my DL copy and SS card copy. After being a victim of a data breach I do not feel comfortable with that and also told them that my creditors had my name right and they needed to fix there problem. After fighting with a supervisor over this that had broken english, he then hung up on me.
Complaint sub-issue: Card was charged for something you did not purchase with the card

I contacted fiserv on XX/XX/2022 I had spoken to XXXX and a XXXX. ( Through email and phone they have omitted the phone call of calling me XXXX names to protect their brand ) I was told to submit a police report and identity theft report which their response proves I am a severe victim of identity theft. I was called a " XXXX  '' and told " they always want stuff greedy XXXX '' I am saddened I did everything I was told yet I not only never received my payment back for my children and I but I was also called XXXX names and totally prejudice acts I had to endure. Please help so no other protected class individual has to be mistreated by fiserv/money network. I have submitted a police report and " all '' documents needed to dispute my claim properly and replace my funds, yet to no avail. They will not accept my documents. Thank you.
Complaint sub-issue: Debt was result of identity theft

This debt does not belong to me and I would like it removed. Im already having a hard time as it is due to covid 19. I went to get a loan to be turnt down due to this false collection. Please help me.
Complaint sub-issue: Didn't receive terms that were advertised

Open account on XX/XX/2018 through the Citi bank official {$400.00} promotion link. Deposited {$18000.00} on XX/XX/2018. Fulfilled the requirement of maintaining a minimum balance of {$15000.00} in my linked checking and savings account for 60 days on XX/XX/XXXX. 
Still have not received the {$400.00} promotion bonus yet. 
Have chat with agents many times. I believe the promo code is : XXXX. Could you help me solve this and post the {$400.00}?
Complaint sub-issue: Problem getting report or credit score

lost my daughters social security number along with mine on XXXX XXXX 2016. filed a police report. they have been replaced, but i would like to get a copy of her credit report just to make sure no one has used it
Complaint sub-issue: Problem getting your free annual credit report

As a result of the COVID-19 pandemic, XXXX has allowed consumers one free credit report from each of the three major credit reporting agencies each week. Every time I go to the web site, I am able to get my reports from XXXX and XXXX. Equifax fails each time to produce my report -- I get the following message : " Online Delivery Unavailable. 
We are not able to deliver your free Equifax Annual Credit Report online. '' I am confident I answered all the verification questions properly -- the answers are obviously on my other credit reports. For example, on or about this date, which credit card did you open? 

The following are the dates I have tried to get my Equifax credit report online via XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

There are probably other dates as well, but I don't have them documented. The XX/XX/XXXX date is when I called into Equifax, the let the know of the problem I was experiencing, and to ask them to send me a copy of my report. If I recall correctly, the representative said I should have no problems accessing my report online going forward. I tend to believe this is an Equifax problem. From what I have seen online, I am not the only person experiencing this problem.
Complaint sub-issue: Qualify for a better loan than offered

They will not tell me what rate they will give me until after they do a " hard '' credit inquiry. They advertise rates between 3 % -7 %, but I have applied and get accepted for the loan but it is always at the high end ( 7 % ). I do n't want a high interest loan. I have a good credit score ( XXXX ). Why ca n't they tell me before they wo n't give me a low interest rate? Why do they have to do a " hard '' credit inquiry? It lowers my credit score. The system is not fair! Why ca n't they do a " soft '' inquiry to see if I have a chance of getting a low interest rate loan. Or I could fill out a form telling me if I have a good chance of getting it or not? The rates are misleading!
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the XXXX Credit Bureaus XX/XX/22 to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was, already included in my prior COMPLAINT # XXXX, XXXX XXXX, and I'm including it again. DEPT OF EDXXXX XXXX Balance : {$1100.00} ; DEPT OF EDXXXX XXXX Balance : {$3000.00} ; DEPT OF ED/XXXX  XXXX Balance : {$2300.00} ; DEPT OF ED/XXXX XXXXXXXX Balance : {$6200.00} ; DEPT OF ED/XXXX XXXXXXXX Balance : {$5000.00} XXXX DEPT OF ED/XXXX XXXX Balance : {$2500.00} ; DEPT OF ED/XXXX XXXX Balance : {$5100.00} ; DEPT OF ED/XXXX XXXX Balance : {$2400.00} ; DEPT OF ED/XXXX XXXX Balance XXXX {$2500.00} ; DEPT OF ED/XXXX XXXX Balance : {$5100.00} ; DEPT OF ED/XXXX XXXX Balance : {$3100.00} ; DEPT OF ED/XXXX XXXX Balance : {$3900.00} ; XXXX XXXXXXXX XXXX : {$2.00} ; XXXX XXXX XXXX XXXX Balance : {$91.00}
Complaint sub-issue: Billing dispute for services

I paid my credit card on the app for peoples united bank, they charged Me a late fee and nonpayment on my credit card
Complaint sub-issue: Charged too much interest

I closed this credit card account months ago. I received a bill and noticed that I was still being charged interest and fees. This is defrauding consumers. There is no way that I should still be charged interest and fees when I received a final bill months ago. This company needs to be researched and fined. Im sure this isnt the only complaint
Complaint sub-issue: Old information reappears or never goes away

XX/XX/2018 I contacted Equifax regarding my XXXX Account & XXXX XXXX XXXX XXXX XXXX Visa advising that my payments and past due on these accounts were not reported correctly. 

I advised on my XXXX Account XX/XX/18 the past due on my account was removed due to SCRA 8-7-18 and was reversed and put on my CBR on XX/XX/18 and made them aware of it and still hasn't been removed as of XX/XX/18 XXXX XXXX XXXX Visa Account same thing reported as payment posted and reversed as well. 

On XX/XX/18 I received notification from XXXX XXXX per Equifax that over 30+ accounts were removed from my credit report and my score increase XXXX points I've included copies of the reports payment postings and notifications I've brought the continued errors to your attention that the Credit Reporting Agencies are not reporting our information correctly and reversing out information how much more information do you need to receive in order to look into the business practices of the reporting agencies. Consumers shouldn't have to deal with this anymore you advised me in the past that on the back end there is investigators that look into this type of issues and you advised your just a middle man to get results. When they don't respond. When is there going to be accountability on how the 3rd party reporting agencies going to be held accountable for reporting our information.
Complaint sub-issue: Their investigation did not fix an error on your report

Upon pulling my credit report, I noticed that The US Department of Education reported two accounts in the amount of {$5800.00} and {$3500.00}. I asked them for proof of verification and to remove the account for inaccuracies, but I did not get either request fulfilled. These are the inaccuracies that I reported : -The payment history from my Equifax report shows that I was on time in XX/XX/XXXX, but 120 days late a month later in XXXX. That is logically and statistically impossible. 

-My XXXX report is incomplete and they have completely removed the payment history instead of removing the account as requested. 

- My XXXX  report is inaccurate and the data doesn't have the same information as Equifax. 

-On the Department of Edu website it states that a payment was made in XXXX of XXXX, but I never paid anything to them or knew anything about this account until I pulled my credit report in XXXX of XXXX. 

They state that the student loan was assigned to them by XXXX but the data from XXXX showed late payments in XXXX while The US Department of Education states everything was on time that year on my Equifax report. How is this even possible or allowed to come back as being verified if their information doesn't match the original creditor, XXXX?! 

This violates the FCRA and I need this account remove promptly as it is not a clear representation of my creditworthiness. I have attached the files to show proof of the inaccuracies.
Complaint sub-issue: Didn't receive advertised or promotional terms

I applied Citibusiness AAdvantage platinum select card in XX/XX/XXXX, with the promotional offer of getting XXXX miles after spending {$5000.00} in 5 months. The terms and conditions are very clear is that " XXXX XXXX AAdvantage bonus miles are not available if you have received a new account bonus for a CitiBusiness / AAdvantage Platinum Select account in the past 48 months ''. I am aware of it and I never own a citiBusiness AAdvantage card before. 

Citi denied the offer without any notification and I only find out in XXXX after I spend {$5000.00} and did not get the welcome bonus. I called Citi 4 times each time spending over 40 minutes explaining to them the situation. Each time the agents relay my request to their rewards department but refuse to provide any direct form of communication. The rewards department interpret the rule as " Your business received a new account bonus on XX/XX/XXXX on account ending in XXXX '' thus disqualifying you. However the card ending in XXXX belongs to another employee in the business and has nothing to do with me. I have no control over other people in the business and disqualifying my promotional offer because other people in the business applied the card before is unfair. At the very least, if that is the rule, it should be clearly communicated in the terms and conditions in the application page that the promotional offer is not available if the " business '' ( not " you '' ) has received new account bonus in past 48 months.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  Credit report agency reporting incorrect account and refusing to remove it from my credit report. They say this negative report will stay for 7 years. 
Account is not mine, I don't have to pay for it. XXXX  refusing to resolve it and start blocking my dispute request ( computer states that I can not longer to dispute ). 
XXXX  investigates 3 times and they saying account is correct they will not remove the charge. 

CFPB also investigated this company reporting incorrect account - complaint with your agency number XXXX. Please investigate XXXX  for reporting incorrect activity on my credit report. Please provide all documentation that XXXX  received from agency which they think is enough to state that account is mine. Thank you
Complaint sub-issue: Investigation took too long

The reason I am writing you today is because XXXX Credit Reports states that they had some " investigation '' when I disputed a notation in reference to XXXX / XXXX but the issue is. The amount reported from the Reporter ( XXXX / XXXX was much higher then the agreed to amount between myself and XXXX collection agency. There was litigation then we settled out of court for XXXX but there has not been any notation that the payment was properly applied to my account. I see from the most recent credit report the XXXX settlement is being ignored and the XXXX payment is being placed against a much higher balance this balance is not what we agreed to and wrong. This was reported to the credit reporting agencies including XXXX on several occasions but they state an investigation occured. If this indeed happened there would be evidence I asked for this evidence. None was received by me. I believe that if those who place information onto a credit report pay a fee to do that that creates an conflict of interest when a subject of the report attempts to correct an inaccuracy. Disputes go as far back as XX/XX/2013 I have a copy of the NYXXXX XXXX Complaint. This company had more then enough time, it 's time to remove the item from the report.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit report I have found inaccuracies on an alleged debt that is impacting my credit character as a consumer and is hindering me from getting hired at a specific place of employment. Information that should, if from the same furnisher, should be reporting the same across all three credit reporting agencies but are not, which by law is a violation.
Complaint sub-issue: Reinserted previously deleted info

they have reinserted deleted information on my XXXX report and claim they can not fix it period i have been battling for years to get the right information reported good things and they have just did my credit report wrong They put XXXX inquires that where removed on my report they added bad accounts i think all this was done purposely i have proof of what my accounts look like when they wiped it and when they jacked it below only thing that supposed to be on my XXXX is my good reports from XXXX and my XXXX card superior fc those account are wrong to they need to be fixed. but thats it XXXX was removed they added it back XXXX XXXX was sued and lost the added that this is just illegal! i have proof where this people just play with my credit report! span over a 3 year period
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On XX/XX/XXXX, I wrote an inquiry dispute letter to XXXX XXXX XXXX regarding an unauthorized inquiry on my credit report. CarMax responded on XX/XX/XXXX advising a photo identification was requested on order to autheticate the applicants identity before the inquiry was made. Hence, I never provided any such info to CarMax nor has CarMax supplied me with a copy of my own PHOTO identification stating I made the inquiry. The inquiry was made without my consent or knowledge.
Complaint sub-issue: Attempted to collect wrong amount

My Bottomline figure on my loan amounted owed is going up instead of down why? I am paying triple time and these folks are cashing in quicker then my Bottomline figure should be going down even quicker. That figure is going up. 
I seen well before I decided to step into these people offers something is a miss. 
First off this debtor stated they gain 200 % profit on that money. 
Second if this is allowed, why do you folks allow such practice? 
Finally, I will also suspect a change of hands in finance institutions as a form of power gain. 
This means my credit is out in the open for any type of predator/power grasp to push out to happen. 
This means you folks are not doing your job to protect the consumers and citizens of this country. 
You need to wake up to these groups on the move. I stepped into this so you can kick thier dirty thieving XXXX. 
Why should anyone need to complain to get action? Signing a contract does not have anything to do with fair business practices. 
NO WONDER THIS COUNTRY IS IN BANKRUPT MODE. YOU ALL NEED TO BE FIRED. 
Fix the problem XXXX
Complaint sub-issue: Information belongs to someone else

My sister informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX  XXXX XXXX {$6500.00} XXXX XXXX XXXX XXXX {$6700.00} XXXX XXXX XXXX XXXX {$5500.00} XXXX  XXXX  XXXX   XXXX {$96.00}
Complaint sub-issue: Information belongs to someone else

I previously submitted a complaint about these accounts in the past, yet some accounts still persist. I am attaching the necessary documents to have these accounts removed immediately.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit Reporting act, Discover Bank # XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX