Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't get other flexible options for repaying your loan

I thought I was consolidating my loans so that I would someday be eligible for forgiveness after 20 plus years of payments. Now they are telling me that I don't qualify. This was my main reason for refinancing with them. The financial consultant for the Nelnet company mislead me into thinking I was all set. I diligently paid with automatic withdrawal looking forward to this being forgiven. Now they are telling me I do not qualify for any forgiveness. I don't even qualify for the CARES Act. I am XXXX years old and have worked as a XXXX and XXXX XXXX for 3 different low-income school districts. I was looking forward to retiring due to health problems and COVID issues. Now I don't know what to do. 
I have called NELNET for help several times and feel like I have been given the run-around. 
I am doing my best to survive this and don't understand what I should do. I hope that you can help me. I understand that there are other people who have been having the same issue with NELNET. 
Care you help me?
Complaint sub-issue: Investigation took more than 30 days

I was in a auto accident in XXXX of XXXX I was rushed to the XXXX XXXX center anyhow the car was deemed a total loss. My insurance company took time paying off the balance of the loan plus I had GAP and, Did make payments. I filed a complaint on XX/XX/XXXX with CFPB XXXX XXXX sent a letter and, attached that same letter to complaint XXXX stating they were going to report to all major credit bureaus with 0 30 0 60 0 90 paid and, closed, and they did due that for one month only and, as, soon as the CFPB complaint was closed bam they reported same negative that they removed to my credit report
Complaint sub-issue: Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXXXXXX 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

I am furious that these accounts are on my credit reports. I was under the impression that the credit bureaus are to verify the information before placing on my reports. I guess they did not do that since they are reporting fraudulent accounts on my credit reports. I have never had any accounts with these people so this is very shocking to me and it is stressing me out. Please remove these accounts immediately.
Complaint sub-issue: Account information incorrect

I have been trying to work with Equifax with getting this account removed from my report, they always say the information will be removed or they'll follow up with me but they don't. I reported this information on XX/XX/XXXX and was told that my documentation was mailed out on XX/XX/XXXX and I have yet to received that information yet as of XX/XX/XXXX. I have contacted the bureau and the original creditor several times in regards to this situation with no response and I do not want to be held accountable for something that isn't mines. I have sent a method of verification on XX/XX/XXXX with no response to Equifax. I just want the account to be removed and from under my name and my credit report.
Complaint sub-issue: Personal information

I have been on file with Equifax credit bureau since XXXX, my date of birth on file is XX/XX/XXXX, all of a sudden someone at the crest bureaus stated that thesome collection agency reported my date of birth as XX/XX/XXXX. Equifax asked me to send them verification from social security which in fact I did. I also faxed and mailed my license to them they still will not correct my date of birth. The fraud department has stated that this is a mixed credit profile and the agency has destroyed my Advantage score, they taken away a XXXX points for no apparent reason as all of my bills are paid on time never late and credit cards ratio are XXXX balance. 

Their is XXXX erroneous hospital bills on my. Credit report with different birthdays however the credit bureaus has yet to remove this error. Every day they are taking XXXX XXXX points away from me and last week they taken XXXX point then another XXXX.i have repeatedly told them to look at my historical data as it clearly shows I have been on file since XX/XX/XXXX and born in XX/XX/XXXX. The social security Administration has sent over a statement telling them my date of birth and social security number as well as my current address. This agency fails to follow through and I sent this over to the US District attorney. I want this error fixed. How can someone change a date of birth, and how can the bureaus be so careless to accept erroneous information without checking the validity to actually see if it matches consumers profile. This is a huge mistake that Equifax has made, and I want this fixed or I will sue and seek for damages related to the errors this agency has made .posting different birthdays, posting medical bills that have different birthdays. Please help me get them to fix this is a timely manner.
Complaint sub-issue: Deposits and withdrawals

On XX/XX/XXXX I deposited {$10000.00} check issued to me by wife from her XXXX  XXXX XXXX account and this check was deposited into my Bank of Texas XXXX Bank of Texas with hold the check since since XX/XX/XXXX till now.On XXXX XX/XX/XXXX I visited the bank and i was told for the first that my check was placed in hold because my wife wrote XXXX XXXX  but she entered the {$10000.00} correctly.Despite this minor mistake this check was cleared by XXXX  XXXX XXXX. Bank of Texas collected the money since XX/XX/XXXX and refused to release the money till today.
Complaint sub-issue: Personal information

There is an address listed on my credit report that I have never lived at. The address is:XXXX XXXX XXXX. 
XXXX, NY XXXX
Complaint sub-issue: Information belongs to someone else

the following accounts appear on my credit report, without any authorization, they are not mine, they are hurting me, please review them Identity Theft Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Complaint sub-issue: Information is incorrect

On XXXX the XXXX 2022, Checkr did my background check and it has suspended me from working for point pickup because it says that I had a driving with a suspended license but that charge was Incorrect and the courts dismissed the false charge. I was exonerated since it was false
Complaint sub-issue: Trouble with how payments are being handled

I am a XXXX  eligible for public service loan forgiveness and have approximately 14 payments over now 9 years that are not eligible to count towards the 120 payments due to administrative forebearance during which time the program was processing my income verification almost annually. I have been informed that these payments may be eligible if the loan services will allow me to make the payments retroactively that should have been due during those times. Fedloan agents have told me this is not an option. How do I determine my rights related to those payments?
Complaint sub-issue: Account status

XXXX XXXX XXXX Account # XXXX Please delete this from my credit report because I am only an authorized user.
Complaint sub-issue: Investigation took more than 30 days

I HAVE DISPUTED THESE INACCURATE ITEMS LISTED ON MY CONSUMER REPORT TO NO AVAIL, I HAVE ENCLOSED FACTUAL DATA IN REGARDS TO THE ERRORS AND INACCRAUCIES BEING FURNISHED ON MY CONSUMER REPORT.I AM THE ORIGINAL CREDITOR AND THE CONSUMER I DO NOT VALIDATE THIS DEBT PURSUTANT 15 USC 1692a ( 4 )
Complaint sub-issue: Information belongs to someone else

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

My name is XXXX XXXX XXXX Social Security number XXXX I called alliance one collection agency about three acounts that pertain to court fees for XXXX XXXX county court the original case number are XXXX. The phone number I called was XXXX XXXX they gave me this account number XXXX and told me I owed XXXX I know this account number is not valid because when I entered it on there website payment portal it stated this account number did not belong to me they refuse to mail me a letter I've requested it twice and have not received anything but lies from word of mouth from alliance one I know this amount can not be accurate and there trying to rip me off I'll appreciate it that action be taken on my complaint they lied about the account number gave me the wrong amount debt owed and refused to send me a letter.
Complaint sub-issue: Information belongs to someone else

I have asked XXXX XXXX XXXX to send me proof that these credit cards was opened by me because it is fraud and they have yet to do so. It has been 1 year of disputing them and they refuse to send me any verification documents, file or procedures used to verify account. This is a violation of my consumer rights and I demand that they delete these accounts today! 

These accounts are causing me to lose out on employment and extension of other credit opportunities. I never gave them permission to use my personal information, they are violating my privacy by sharing inaccurate information with other parties which is identity theft and they refuse to rectify the situation. 

Delete these accounts now : XXXX. XXXX XXXX. XXXX I have included my id so please do not use stall tactics and say that you can not verify me.
Complaint sub-issue: Talked to a third party about my debt

Best Buy/CBNA has contacted XXXX XXXX and XXXX and posted some negative marks on my credit report regarding a debt. I have not been presented with any options to resolved this problem.
Complaint sub-issue: Their investigation did not fix an error on your report

I asked XXXX XXXX and Equifax to do a verification on everything that is listed on my credit report, they stated that everything is accurate. However, I did a thorough research and found inaccuracies on my credit report. 

The credit bureaus didn't do a proper investigation on my credit report. 

According to 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Account XXXX should not be furnished on my credit report. 


Account Number XXXX Original Creditor XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

The following accounts are not mine : XXXX/XXXX/XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( 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: Information belongs to someone else

I sent dispute letter back in XXXX then again in XXXX but no changes this is destroying my life. There are too many loopholes and stategies in the system I am XXXX citizen Father of XXXX who works extremely had for everything I have today. This Collection was placed months ago but with work and not monitoring the credit I didnt Know of it. I believe this could have been onXXXX of my fellow family members using my information but I personally never lived in New york. This account is not mine simple, information on the account is the following : XXXX XXXX Date opened : XXXX XXXX Status date : XX/XX/2021 XXXX charge account-collection
Complaint sub-issue: Account information incorrect

I have filed numerous complaints with numerous government entities including the cfpb and the problems are still not fixed. I have filed complaints directly with the credit reporting agencies I have filed complaints with XXXX directly I have filed complaints with the Department of Education and the problem is ignored and not corrected. This is my final attempt before I contact a lawyer and I become part of a class action lawsuit to sue XXXX. 

I have repeatedly asked for the past 12 to 18 months worth of statements an information showing payments that I have made how they were applied and previous interest rate information how it was calculated in all kinds of information that I have not received and it is not in my account. I am sick to death of asking for XXXX that I am required to have by law! There are no statements there are no details there is no information. On top of that I continue to make payments that it or not reported to my credit bureaus. My loan has has decreased because I have been paying down the loan and there is no interest accumulated yet none of this information transferring over to my credit reports. They are only reporting that I am on time they are not reporting that I'm making payments which I am. They sent me some ridiculous response and I'm going to attach to this complaint about my address and other things that was not even part of my complaints and they completely ignored the second part of my complaint which dealt with the credit reporting problems. They also keep flat-out lying and stating that they are uploading statements and all of us other lies that they are not in my account. I want this XXXX fixed now I have had enough and I'm going to go to the media as well. They are playing games even in the response that I have attached to this complaint they tell me to detail my complaint again and send them more information which I have multiple times. I am not playing games they are to report what they have to the Credit Agencies immediately and accurately. They are also reporting an address that I have never lived at and they keep reporting it to the Credit Agencies an address in XXXX Michigan.
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have sent correspondence letters to XXXX, XXXX, and Equifax. I have told them to remove false information and account information from my credit report. The send a automatic generic response and ignore any violation to myself and the law. I called them today and the representative I spoke with was of no help and refused to handle my request as I stated. I will be taking this to the highest level possible and charging for every violation if this complaint does not render the solution I desire. First I would like to point out that I at no time under 15 USC 1681 ( a ) ( XXXX ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer have I given permission to any company to report or speak for me on behalf of my credit. Without me giving permission it means the credit reporting agencies have taken it upon themselves to act as me and speak for me and falsely report in my name. They are commiting fraud in my name.
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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: Account status incorrect

Financed auto mobile XX/XX/XXXX All payments made and listed current until XX/XX/XXXX. XX/XX/XXXX Payment made XX/XX/XXXX payment reversed and returned without cause or notice XX/XX/XXXX account listed as 30 days late. US bank was notified removed late charge fee did not remove 30 days late from credit report or explain the reason for payment reversal. XX/XX/XXXX Notified US Bank of discrepancy XX/XX/XXXX again notified US BANK of discrepancy still mo change XX/XX/XXXX again notified again no change.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Complaint sub-issue: Their investigation did not fix an error on your report

This company violated my rights per the Fair Credit Reporting Acts- 15 U.S.C . Secs. 16811681x., 15 U.S.C . Sec. 1601 et seq., Pub. L. No. 108-159, 117 Stat. 1952.

I have never conducted business with them. I am not liable for this debt with them and I do not have a contract with them at all. They did not even provide me with the original application like I requested several times ( 5 ) now. I did not give them written permission either to report this to any credit bureau or add to my credit report. All I ever received was a generic email stating that this account has been verified and I asked how? No response ever given due to it being a generic email that they send to all their customers. I even called on yesterday to get this item removed and was told it could not be removed after being on the phone with them for almost 3 hours trying to reach a real person. I was transferred to almost every department in the company instead of the right one I requested, which was the fraud department. I think they use this tactic also just to get the consumer to just hang up and say forget it. This is not right at all to us because some of us are trying to buy a house, a car and even get a job that relies on you having good credit. The account and information is listed below. 

XXXX XXXX XXXX Original creditor : XXXX XXXX  Balance details 0 % paid off Balance {$6200.00} Balance updated XX/XX/XXXX Original balance {$5200.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department
Complaint sub-issue: Debt was result of identity theft

I reported a case of fraud resulting from an XXXX XXXX XXXX XXXX delivered to my home. I reported it to the company and was instructed to send the phone back which I did. I received numerous demands for payment for phone I did not purchase, create the account etc. I filed a report and was informed the case was now closed. I recently received a demand for payment from a collection agency after months of assuming everything was rectified. The letter was from XXXX XXXX XXXX listing XXXX XXXX as the creditor. This started in XXXX of XXXX I believe and was resolved in XX/XX/XXXX. Any assistance in the resolution of this matter would be greatly appreciated.
Complaint sub-issue: Account status incorrect

Hi my name is XXXX XXXX XXXX XXXX and sending a complaint without any third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The letter I sent to Equifax was dated at XX/XX/XXXX up until now I still haven't receive any changes regarding the issue. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXI Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX