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

Nelnet problems. 
My XXXX student loans switched to Nelnet. 
Nelnet increased my interest rates ( they are fixed rates at the time they were taken out and should never increase ). Also, Nelnet increased my length of repayment by 5-6 years. 
XXXX no longer has my original loan info available online so we need to get XXXX XXXX  to provide the original - correct info and nelnet needs to honor the original interest rate and repayment terms.
Complaint sub-issue: Their investigation did not fix an error on your report

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account ( s ) listed below as reporting 100 % accurate. However, these accounts are Still inaccurate, and your company is STILL continuing to report errors on my credit file, which is causing damage to my credit score. 
XXXX XXXX XXXX XXXX  Account # XXXX Account # XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 
XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX If you are not aware of this is an violation of my rights under the Fair Credit Reporting Act ; 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 that the information is inaccurate. And these accounts are not accurate.
Complaint sub-issue: Personal information

I submitted a request to update my current information and have ALL other inaccurate personal information to be removed to Equifax , like inaccurate phone numbers, variations of my name and addresses that are incorrect. They are refusing to do this.
Complaint sub-issue: Company closed your account

Compass Bank Viloated my rights by sharing information with out my consent And Per FCRA and GRamma Leach Bliley act The Gramm-Leach-Bliley Act requires you to develop privacy practice and policies and detail how you collect, sell, share and reuse consumer information. Also, consumers must be giving the option to decide which information, if any, a company is permitted to disclose or retain for future use. 

Pursuant to Fair Credit Act section 15 U.S.C 1681 ( a ) ( XXXX ) Infringed Upon a Consumers right to Privacy section 611. Procedure in case of Disputed accuracy [ 15 U.S.C. 1681 ] Section 5, 15 U.S.C 1681b-Permissible Purposes of Consumer reports. There was no order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with the proceedings before a Federal Grand Jury or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. In accordance with the written instructions of the consumer to whom it relates.
Complaint sub-issue: Not given enough info to verify debt

Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to Hunter Waefield Inc. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with Hunter Warfield Inc. The Apartment lease was only two months broken and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by Hunter Warfield Inc. In this case my debt should be removed from my credit report and out of the office of Hunter Warfield because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas.
Complaint sub-issue: Problem during payment process

In XX/XX/XXXX, I requested a lower rate on my Discover Card. My balance at the time was XXXX. Discover informed me they would only adjust the interest rate on purchases AFTER XX/XX/XXXX. From that point forward I have been subject to two interest rates purchases prior to XX/XX/XXXX at 29.99 % and Post XX/XX/XXXX at 24.99 %. I have made payments well in excess of the minimum payment however the balance subject to 29.99 % is now as of XX/XX/XXXX at XXXX. Per the Credit Act of XXXX, payments over the minimum should be applied to the principal of balances subjected to the higher interest rates. I have contacted Discover numerous times about this misapplication of payments with no resolve and was told " they have no way to ensure payment application ''.
Complaint sub-issue: Their investigation did not fix an error on your report

" Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information has been initiated. When the furnishing company provides their findings, we will send those results to you. We hope this resolves your concerns. If you have any additional questions, you may call ( XXXX ) XXXX or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. '' This has been the excuse given several times and not once have you provided proof of a valid debt
Complaint sub-issue: Reporting company used your report improperly

I was trying to get this off my credit since the Balance Is XXXX, I Am Having Problems Getting The Paperwork, To Prove That My Balance Is XXXX, Because I Am Trying To Get This Account Off My Credit.
Complaint sub-issue: Right to dispute notice not received

I pulled my credit from XXXX and noticed they were on my credit report. I have never done business with this company and they never sent a right to dispute. I sent them a certified l letter and and and they never responded. 

Please see the attached documents Thank you, XXXX XXXX
Complaint sub-issue: Debt is not yours

Enhanced Recovery Collections is attempting to collect on a debt I do not owe for XXXX. This is also really old and past the statute of Limitations in California. This debt is not owed and needs to be removed off of my credit file.
Complaint sub-issue: Reporting company used your report improperly

Equifax did not properly secure my personal and financial information, resulting in a data breach that put that information into the hands of unauthorized users. The website they set up, using non-secure methods and on a non-affiliated domain name with anonymized who-is information and improper SSL encryption, reported this.
Complaint sub-issue: Attempted to collect wrong amount

Dear Citibank, I believe this information is inaccurate I didn't give any authorization or consent to any persons to furnish my credit report.Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means to collect or attempt to collect any extension of credit, or to punish any person for the nonpayment thereof, shall be fined under this title or imprisoned not more then 20 years, or both.In any prosecution under this section for the purpose of showing an implicit threat as a means of collection, evidence may be introduced tending to show that one or more extensions of credit by the creditor were, to the knowledge of the person against whom the implicit threat was alleged to have been made, collected or attempted to be collected.
Complaint sub-issue: Account status incorrect

This is a reocurring problem with Equifax and XXXX  allowing a Company named XXXX XXXX to every year update this collections account as current and partially paid on my credit reporting. They are reporting it wrong and against the fair credit reporting act. 
This account started in XX/XX/XXXX when I vacated an appartment and they agreed to take partial payment. They put it on my credit for paid less than full balance. I listed them on my banckruptcy as a debtor in XX/XX/XXXX. On XX/XX/XXXX, the United States Bankruptcy Court, XXXX   District of Oklahoma discharged my debts. XXXX XXXX XXXX is listed as a discharged debtor. I filed a dispute with Equifax. Yet, they allowed XXXX XXXX to continue to report this as an unpaid partial collection.In fact XXXX XXXX is showing they added it again XX/XX/XXXX as a partially paid collection with a note, Consumer disputes this account. This company needs investigated for continually going against the Federal Law and Federal Bankruptcy laws and needs fined so they won't continue to do it. 
Also Equifax and XXXX  need fined for allowing it to be falsely reported on my credit report. I recently was issued a credit card for 24 % from XXXX XXXX because of this lowering my score and showing as current debt instead of included in Bankruptcy.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a account on my credit that was fruad, I paid off the account because I gave disputed before and account has not been removed .. XXXX XXXX XXXX  This account is reporting incorrectly and does not belong to me and I need some type of validation and a copy of my signature of me opening this account or it need to be removed .. The account keeps coming back confirmed and that cant be since I did not open this account .. I have provided paid off notice and police report ..I also have inquiries that I did not authorize and need these removed or I need validation of these because they are unauthorized.. I also have addresses that is reporting that I was never associated with and need these removed please, I have provided documentation
Complaint sub-issue: Information belongs to someone else

I AM VICITM OF IDENTITY THEFT, I HAVE REACHED OUT TO THE BUREAUS NUMEROUS TIMES AND REQUESTED FOR THE FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY. I HAVE SENT MY IDENTITY THEFT REPORT TO THE BUREAUS AND DIRECTLY TO THE CREDITOR. WHAT I DON'T UNDERSTAND IS WHY DO I KEEP SENDING TO THE MY IDENTITY HTEFT REPORT IF THEY ARE NOT GOING TO HONOR ANYTHING, MY STORY IS THE SAME, I AM VICITM AND I NEED THE BUREAUS TO UNDERSTAND THAT. I AM VICITM, I AM VICTIM, THIS FRAUDULENT ACCOUNT NEEDS TO REMOVED.
Complaint sub-issue: Received unwanted marketing or advertising

Bellow companies Marketing details & enquiries not recognize on my file 1. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX 2. 
XXXX XXXX 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, 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, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 3. 
XXXX CO XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, FL XXXX 4. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, CA XXXX 5. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 6. 
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX 7. 
XXXX via XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 8. 
XXXX XXXX  XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX 9. 
XXXX XX/XX/XXXX Location XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 10. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX  XXXX XXXX XXXX, UT XXXX 11. 
XXXX  XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 12. 
XXXX XXXX  XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX 13. 
XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, IN XXXX
Complaint sub-issue: Card was charged for something you did not purchase with the card

so on the  XXXX  of  XXXX    XXXX   I received an email from Best B uy ( BB ) th anking me for my order. the email was timestamped  XXXX .     But I did n't order anything.     I found the email and read it sometime before   XXXX   XXXX   XXXX   that day because I had already call ed citibank/bestbuy had the car d canceled and changed my password on all my accounts. My balance on the card is  XXXX  today.     However I wondered what would happen to the {$1600.00} laptop that was ordered. Would BB actually ship it? I was dismayed to learn that even no more than  90  min after the order was made e ven CS at BB could  not cancel the order but they informed me that the matter had been sent to their fraud department whatever that means. I have to say that th e BB CS was abysmal I can t imagine anyt hing worse. They didn ' t seem to care about the fraud, or want to discuss what would happen next but they were very interested in verifying my identity. This order was made online and I ha ve the BB  card, it has never left this house.     The person receiving the order is "  XXXX   XXXX   XXXX  '' in  XXXX   XXXX   XXXX   XXXX   XXXX  NJ.   Needless to say orders are not charged until shipped an d Citicards/BB said  it would not ship as there was no valid card active.     However it did ship and is on its way. I have been told that I am not responsible as I reported the fraud before it was shipped but what I want to know whose card was charged or is this a ploy of UPS/BB to intercept and arrest whoever signs for the package on the  XXXX  of  XXXX ??   I have not been able to get any assistance from  CIti or Best Buy on this matter and I am turning to you to help me understand since BB will no t or can not tell me why they sent  XXXX  dollar order that no one had paid for.     I tried to contact  XXXX  but there was no way to do so, I tried to call the police department in  XXXX   XXXX  but they hung up on me. Nobody wants to stop this crime.
Complaint sub-issue: Information belongs to someone else

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$390.00} ; XXXX XXXXXXXX XXXX Balance : {$270.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$8900.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$550.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : XXXX  ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Balance : {$1000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Complaint sub-issue: Account status incorrect

Late payments reflected on credit report dur to COVID-19 and family issues during the first few months of the pandemic. The credit card has since been paid off as agreed and closed. Requested the late payments on credit report to be corrected considering the circumstances but request was denied.
Complaint sub-issue: Charged too much interest

I have been on time with my payments to Discover CC. I have requested numerous times if my APR can be lowered since I am a good customer, and I ALWAYS hear " we are unable to lower your APR at this time. '' The reason being?! Who knows?! It isn't because I pay late, because I don't. I haven't missed a payment. 

They keep it high because they can. I haven't used this CC since the beginning of the year. How are we supposed to be able to pay off balances when the APR charge is nearly as much as your monthly payment, which is over {$200.00} a month?! *My monthly payment has been around {$220.00}, and the total in interest fees they take is approx {$160.00}!! I'm shelling out to these people over {$200.00} a month and only a quarter of that ... {$56.00} ... is even touching my balance. 

All I'm asking is for a lower APR so my family has a chance to pay this debt off as I'm making faithful payments monthly. 

I think this is thievery and it should be stopped.
Complaint sub-issue: Debt was result of identity theft

On XX/XX/XXXX as I monitored my XXXX credit report I notice a collection from ERC that I am not repsonsible for. I believe I am a victim of Idenity Theft. I have sent request to XXXX XXXX and XXXX and have not recieved updated information. Below is documention of the transaction. 

ERC Original creditor : Balance details 0 % of this account is paid off Balance {$780.00} Balance updated XX/XX/XXXX Original balance {$780.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payments have been reported on this account. 
Comments Placed for collection Your statement - Contact info Name ENHANCED RECOVERY COMPAN Address XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX
Complaint sub-issue: Problem with personal statement of dispute

Nelnet representatives told me that because the delinquent payments were accurately reported inXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX, that any subsequently initiated deferments would not allow for Nelnet to update reports to CRAs to show that the payments were not late and actually in deferment. However, Section 623 ( a ) ( 2 ) clearly shows that the reports must be updated/corrected regardless of whether they were accurate at one point. *
Complaint sub-issue: Debt was result of identity theft

I did not authorize this debt nor does it belong to me. Please remove it from my credit report.
Complaint sub-issue: Reporting company used your report improperly

Equifax has violated me under 15 USC 6802, subsections and b, by sharing my non public information. Equifax has also violated 18 USC 242 under color of law for willfully and knowingly supplying inaccurate, unlawful, and private information which is depriving me of my right to extend credit as a consumer. Attach with this complaint is a copy of the affidavit I certified mailed Equifax detailing ALL their violations and they have not resolved the issue
Complaint sub-issue: Debt was paid

I had a dispute with XXXX XXXX tv about canceling my service. When they charged my XXXX a 3rd month after I notified and had sevice stopped, I contacted XXXX and they investigated. XXXX then credited my account. 

I then received a collection letter from XXXX XXXX  : XXXX had sent the {$170.00} to them and someone place a delinquent payment on my credit report. 
I paid Creedence the {$170.00} with my XXXX  credit card on XX/XX/XXXX ... ... because I did not want to lower my credit score. 
In late XXXX, I contacted credit bureau and informed them this debt was paid. 
I check my credit report a few weeks later and it showed the debt was paid. 

On XX/XX/XXXX I received a letter from IC system saying I owed XXXX for the same account number as the one I paid before to XXXX 
On XX/XX/XXXX I called XXXX and spoke with XXXX XXXX at XXXX EST. She maintained that this was still a debt owed after I informed her I already paid. She said they were going to " ruin " my credit if I did not immediately pay them {$120.00}
Complaint sub-issue: Information belongs to someone else

Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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
Complaint sub-issue: Was not notified of investigation status or results

NO RESPONSE from the bureaus at all. 

XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Reporting company used your report improperly

Hey i asked the credit bureaus to do a thorough research to identify inaccuracies in my account and they did but nothing happened so after doing my own research i was able to identify several inaccuracies on my profile Name of account : XXXX XXXX bank " Account Number : XXXX DateOpened XXXX XXXX XX/XX/XXXX Name of account : XXXX XXXX  Account XXXX : XXXX DateOpened : XX/XX/XXXX Name of account : XXXX XXXX  XXXX  card Account Number : XXXX DateOpened : XX/XX/XXXX Name of account : XXXX XXXX XXXX card Account Number : XXXX DateOpened : XX/XX/XXXX Name of account : XXXX  Account Number : XXXX DateOpened : XX/XX/XXXX : Name of account : Child support Account Number : XXXX DateOpened : XX/XX/XXXX Date closed : In accordance with the fair credit reporting act XXXX  accounts Have violated my rights. 

# XXXX # XXXX # XXXX # XXXX ( duplicate accounts ) # XXXX # XXXX 15 U.S.c 1681 section A. States i have the right to privacy 15 U.S.C 1681 section 602 A section : also states that a consumer reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Debt was paid

The debt was settled in full with the original creditor XXXX XXXX on XX/XX/2020. The proof of the same was provided to Hunter Warfield on XX/XX/2020. I also spoke to the collection agency and explained the matter. Yet they have reported this to the various credit reporting agencies.