Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Having problems with customer service

Thank you for taking the time to read my letter. I recently pulled my credit report and noticed I have some derogatory terms from Nelnet regarding some student loans I had. I wanted to discuss these late payments and also the ramifications of them. 
I went to school to be a XXXX, because my entire life has been XXXX and that is true to why those late payments were not put into deferment earlier. My mother has struggled with XXXX her whole life and during these times in which I did n't pay my student loan on time, I was struggling with putting her into XXXX in addition to constantly moving. 
Specifically, I want to address, the reasons why I was late in during the time period of XX/XX/XXXX on ... This was the time my mother went to XXXX in Missouri and I was back and forth making sure she was okay. I made a mistake as we all have done in the past, and in fact paid a XXXX group of my loans off, to show the faith I have put into refocusing my attention to my credit and my mistakes. You can see as well that the moment I realized my loans were in collections I applied for a forbearance during these times. 
I want to also look at during the XXXX, XXXX period, I applied for a forbearance on XX/XX/XXXX and then again not even 6 months later but this is n't addressed in my credit report. I want the opportunity to develop a relationship with Nelnet, and be able to trust in you to be the administrator of my student loans. I was XXXX years old when I went to college, my annual income has gone up since then and in fact, I am continuing my education to get my XXXX 's and I want to eventually get my XXXX. 
I understand the mistakes I made when I was young and my life was in turmoil, but as an adult, my credit report is suffering, it says I have only made 88 % of my payments on time, and forces me to pay more for rent, for a security deposit, avoids the ability for me to get a small business loan and develop the company I 've started. It 's created a burden on my life, which I understand will go away after 7 years, but I would like to be considered to remove these late payment charges from my credit report and even pay some of the interest on my student loans. The money I currently pay for a security deposit on a rental could be going to Nelnet ahead of time, however, it has put me in a situation where my credit is n't good enough to afford a car, a home, or a reasonable situation. 
I would love to see this be removed and work towards rebuilding my relationship with Nelnet for the future, rather than destroy my credit and hurt me for something I did when I was young, in a crisis situation and made mistakes. Nelnet presented me the opportunity at XXXX years old to go to school and be a XXXX, I would not have been able to afford that if that was n't a student loan. I am now a XXXX for a XXXX. I want to do the right thing, but I also want to see changes to my credit to support my lifestyle and to support the person I am today.
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted Equifax 3 times via writing and certified mail about XXXX XXXX XXXX account being invalid. Equifax has refused to provide me with proof that this debt belongs to me which is a direct violation of the FCRA. The other 2 reporting agency have conducted accurate investigations and deleted the account from my credit file. Equifax continues report innacurately on my credit file.
Complaint sub-issue: Investigation took more than 30 days

Ive disputed this account XXXX with Equifax before and it keeps coming back as meets FCRA standards when Ive provided multiple violations that theyve committed but yet still remains on my report.Per the FCRA this account is supposed to be marked Consumer Disputes in the comment section which its not and is a violation. Ive also submitted request for verification back on XX/XX/2021 and it has been well over 30 days even so 45.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7200.00}, {$3500.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XXXX XXXX XXXXXXXX with a balance of {$7200.00} -This is not my account. 


-- PERSONAL LOANS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX  XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Old information reappears or never goes away

This company is reporting a credit line item that was included in a Chapter XXXX bankruptcy and its showing up suddenly as of XX/XX/2019. 

Also, I have two disputed items that were deleted and XXXX XXXX keeps reporting them and dropping my score drastically!
Complaint sub-issue: Investigation took too long

I have filed numerous disputes with all XXXX credit bureaus about information on my report, either too old, closed/pay as agreed, or insurance company paid bill. They have refused to investigate or remove the items from my reports. 

In XXXX, for example, I had a work related injury. I had to file a worker 's compensation suit against my employer 's insurance company. After the judge awarded me both financial and medical compensation, my attorney advised all medical bills be paid by their insurance company. There are at least XXXX items still showing on my reports that were never taken off from that injury and the judge 's decision. 

I have contacted XXXX, XXXX, and Equifax about these reports and not one of them had even investigated these. They are refusing to delete any reports and refusing to investigate said disputes. I filed the disputes not long after the judge 's decision in XXXX, but they are still there showing unpaid/collections with the remark " consumer disputes ''
Complaint sub-issue: Their investigation did not fix an error on your report

I am submitting this complaint to follow up the response from the Credit Bureaus after the 30 days of investigation. As I reviewed my Credit file I have noticed that there are still items that are reporting as inaccurate and incomplete in information. I am requesting the Credit Bureaus to please conduct another investigation to the following information and send me the notification that the disputed items have been deleted. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX 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: Didn't receive advertised or promotional terms

I opened a citi doublecash card with a 0 % promotional offer. On XX/XX/XXXX I was charged {$74.00} in interest. I have not used this card for any cash advances etc. I asked for a supervisor and they said that the supervisor will tell me the same thing that they do not see the offer on my account. They also said they are not even sure if they have branch locations in my area. I asked to cancel or rectify the situation and I was transferred to nowhere. I am having an extremely difficult time getting this situation taken care of and in the meantime they are mailing me more and more 0 % credit card offers for the same card I already have.
Complaint sub-issue: Information belongs to someone else

I have an account with XXXX XXXX XXXX for XXXX with XXXX XXXX. This account is closed and is showing open on my credit report. The account also is showing incorrect charges. Ive tried to handle the issue with XXXX XXXX because they kept charging me when I no longer had the phone and was no longer a customer with this company. Ive requested for the incorrect information to be removed. This account was removed already and has reappeared.
Complaint sub-issue: Problem with customer service

I submitted a request to have funds returned to me in reference to the CARES act. I requested to have payments that i made during the pandemic to be refunded to me. I made the initial call on XXXXI 've been told this is in process and I would be kept in the loop on the status of this request. By this Thursday ( XX/XX/2022 ), it will have been 6 weeks with no status update ( via email or phone call from Nelnet ) in regards to this request. I've called multiple times and have been given different information from each agent I've spoken with ( it's in process or contact studentaid.gov ). With no movement so far, this is going beyond the window in which I was quoted ( 4 to 6 weeks ).
Complaint sub-issue: Problem during payment process

XXXX THIS IS A FOLLOW UP COMPLAINT TO COMPLAINT NUMBER XXXX. AS DOCUMENTED IN THE XX/XX/2019 LETTER SENT BY XXXX XXXX, OFFICE OF CUSTOMER ADVOCACY, I WAS DUE TO GET A CHECK IN THE AMOUNT OF {$10.00}. I DID NOT GET THE CHECK. I CONTACTED MISS XXXX 'S OFFICES TO CONFIRM THE STATUS OF THE CHECK. I DID NOT GET A RESPONSE.I WANT TO VERIFY THE STATUS OF THE CHECK. IF IT DID NOT PROCESS, I WANT THE CHECK RE-SENT.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax XXXX XXXX, XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX Inquiry from XX/XX/2018 I have not authorized these companies to run nor check my credit and it has cost me too have my score drop tremendously, I need to have these removed immediately off my credit so I am able to move forward and looking forward towards purchasing a new home but I can't due to my score that is being affected because of these hard inquiries.
Complaint sub-issue: Their investigation did not fix an error on your report

I've been going back and forth with XXXX/XXXX/XXXX and the credit bureaus about an account that keeps being deleted and added back to my credit report since XX/XX/2007. Each time I contact one of them they state it's the other 's fault. I just filed a complaint against XXXX/XXXX/XXXX and in their response they stated that they were doing just like I said- reporting the account as if it were more than one account and that they corrected it and removed it and if it's still showing then the credit bureaus are at fault. I just want it removed. I only have one student loan. And these accounts are annoying and ruining my credit report and my life!!!! Please see attached documentation and remove the XXXX/XXXX/XXXX account and stop adding it back on after deletion. Thanks.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act all account list below, has violated my rights. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account XXXX : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXXXXXXX**** Account Name : XXXX XXXX XXXX  Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX. 

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: Their investigation did not fix an error on your report

I have contacted Equifax Credit Agency for over 2 years with same problem I have provided documents to Equifax. They have my died father information on my credit report like his 4 credit cards and also his name listed on my credit report I have told them to remove his name off my credit report plus they have several address that are wrong on my credit report
Complaint sub-issue: Their investigation did not fix an error on your report

I asked XXXX to remove the reporting of my 10 year old bankruptcy due to the length of time they have been reporting it - 10 years! 
Instead, they reinvestigated the accuracy of the bankruptcy which I am NOT disputing! 
I asked that they remove it because this reporting stays on your report for 7 years or more AT THE DISCRETION OF THE REPORTING AGENCY! The information is accurate. I am not disputing that. I am asking them to remove it based on length of time that has passed! They are allowed to remove this and are either ignoring me or choosing not to remove it by their own choice as it is in their purview to remove it any time between 7 and 10 years. Upon my request, they should remove it as it is 10 years ago! If they are choosing not to, they are being discriminatory and leaving it on because they dont feel like removing it! 10 years! XX/XX/2010! Please remove this OUTDATED report!
Complaint sub-issue: Debt is not yours

I contacted XXXX on XXXX XXXX, 2017, and I contacted the collection company I.C. Systems in XXXX XXXX 2017, asking for proof that this was my debt. I asked for a signed contract or invoice of some kind. The company who claims I owe them is called XXXX and does business out of Alabama and Florida.
They would NOT provide any proof whatsoever, but maintain the debt is mine and will not remove it from my credit report.
The amount of the debt reported is {$1300.00}
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 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 I have attempted to reach out to this company multiple times to no response.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I have repeatedly told Conns to stop contacting me and they say that the calls will not stop. I am only one payment behind and have told them when and how much I am going to pay. They call me up to 8 times a day. They don't accept XXXX XXXX and want me to change to a different prepaid card or open a bank account and pay by check. Even if I did this, I would still mail in a money order. I am only 1 payment behind and some reps claim I have never made a payment and want me to produce bank statements. i don't have a bank account. I have repeatedly told them this. I am including a screenshot of the last 10 bill pay payments I have made.
Complaint sub-issue: Debt was paid

I closed my XXXX account a year ago, sent the equipment back, now a third party collector says that I owe over three hundred dollars for a back payment and early termination fee. When I closed the account, the rep from XXXX stated that with the return of the equipment that the account was satisfied.
Complaint sub-issue: Didn't receive enough information to verify debt

I cancelled my XXXX XXXX service. I returned all equipment as requested by XXXX XXXX. I never received a final bill from XXXX XXXX. I moved about a year after cancelling the account. XXXX XXXX turned the outstanding final bill that I was never notified of. It was given to Allied Interstate LLC who never contacted me in reference to the bill. I found out about the bill after Allied Interstate put it on my redit report causing my score to decrease greatly. I am filing this complaint due to neither company contacting me about my unpaid final payment that I thought had been paid due to no contact or final bill from XXXX XXXX nor any contact from Allied Interstate
Complaint sub-issue: Debt was result of identity theft

I have contacted XXXX XXXX XXXX regarding accounts XXXX IN THE AMOUNT OF {$140.00} dated XX/XX/2018 thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that validates I have obligations to pay them or have had any business dealings with them. Yet they have failed to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have not had any dealing with Allied Interstate or whom they represent. I am also a victim of identity theft and this account is a direct result of identity theft as i have never ever done any business with them. Not only that I have never heard from Allied before they inserted this account into my file. I was never give my right to dispute and ask for validation. Please remove this account from my credit file.
Complaint sub-issue: Information belongs to someone else

I'm disputing the following accounts XXXX XXXX XXXX {$1500.00}, XXXX XXXX {$130.00}, and XXXX {$1300.00}, I have no contact with these companies whatsoever. And I'm demanding the orginal physical documents be produced to both me the consumer and to each credit bureau. If this is not obliged within a fashionable time frame, I'm demanding that these accounts be removed and blocked from my credit report immediately.
Complaint sub-issue: Account status incorrect

To Whom it may concern : Starting in XX/XX/2019 I started reviewing my credit file for inaccuracies and found several with old addresses, phone numbers and names that did not belong to me. I contacted the credit bureaus to get the information that was not mine updated. Upon doing so a Fraud Alert was placed on my account with Equifax, without my request. I immediately contacted them and had the alert removed. When I did this the representative opened disputes on all my old accounts that were closed and reopened them to show negative marks such as past due or charged off. This immediately caused my credit score to drop over 25 points. Equifax has continued to cause inaccuracies on my consumer report causing much distress and inconvenience. With the XXXX Account myself and XXXX   have submitted request several times to update accurate account balance information. Equifax is still showing a high balance from XXXX of 2019 in the amount of XXXX. And they have refused to update with the correct statement balance of XXXX, which is causing my credit utilization to be high. 
With Equifax making the inaccurate updates and changes it is notifying XXXX of the changes causing this credit score to not be accurate. I was at a XXXX and because of this I have now dropped to a XXXX. I have had to lose time at work contacting creditors to make the correct updates and they are unsure as well why the accounts have been updated and or changed. I have worked extremely hard over the last 6 months to put my family in a position to buy a house and start a new business and with the way Equifax and XXXX has handled my accounts and request have prolonged this from happening and has caused me more stress than I ever have experienced. Due to Equifax it makes it look as if my bankruptcy has started all over again and has ruined the chance of any bank extending me credit. My credit report was locked with XXXX XXXX, XXXX and XXXX XXXX, yet they were still able to make request. I feel like my rights as a consumer have been violated. 

I would like for the negative remarks to be removed from my credit report and my credit report back to the original status that it was in XX/XX/2019 reporting score at XXXX. I would like to further investigate filing a lawsuit against Equifax for all the damages, time taken away from work and distress of having to deal with this getting fixed again. I would like to see my accounts reflect accurately. I would like for all of the old addresses & incorrect information that Equifax has listed that has already been requested to be removed to be removed as soon as possible.
Complaint sub-issue: Information belongs to someone else

I would like to have have the following accounts Deleted and Removed from my Credit Report and Credit File. I have never done business with these companies verbally or written there is no exchange of business or service between me and the following companies listed. They are in violation of my RIGHTS and the FCRA LAW. Account Name : XXXX. System Account # XXXX Balance {$1900.00}, Account Name : XXXX  Account # XXXX Balance {$140.00}, Account Name : XXXX XXXX XXXX Account # XXXX Balance {$940.00}, Account Name : XXXX XXXX  Account # XXXX. I have not given written consent to have these accounts on my credit report and would like for them to be DELETED from my credit file and credit report immediately 15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable Information
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Debt was paid

Collection agency refuses to honor written agreement they accepted when they accepted payment
Complaint sub-issue: Reporting company used your report improperly

In According with the Fair Credit Reporting Act, XXXX XXXX XXXX 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: Was not notified of investigation status or results

I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I ALSO HAVE A 30 DAY LATE PAYMENT THAT IS NOT TRUE
Complaint sub-issue: Reinserted previously deleted info

All collections accounts were DELETED from my credit file on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, the deleted accounts were RE-ADDED to my credit report. I called Equifax to have them deleted again. Now, on XXXX/XXXX/XXXX, the same collection has been added under a different collector 's name. I called the collector and confirmed that the amount is the same. They claimed they changed the company name. These collections items are deleted and re-added to my report about every 20 days. Also I have requested that the XXXX Bank account closed in XXXX be removed as it has not ever belonged to me.