Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Virginia XXXX XX/XX/XXXX XXXX Equifax, XXXX and XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX XX/XX/XXXX Equifax Mortgage XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 
My contact information is as follows : XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Virginia XXXX
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 involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$51.00} CAP XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX {$0.00}
Complaint sub-issue: Problem with customer service

PHEAA sent 2 notices on XX/XX/2022 to my email claiming that the account was 26 days past due. 

I called on XX/XX/2022 and made a payment over the phone using my Debit Card. The transaction is listed as a pending pre-authorization and will be cleared by XX/XX/2022. PHEAA then sent another notification at XXXX on XX/XX/2022 well after the payment was already pre-authorized and handled. Additionally, PHEAA 's phone system claimed the account was 25 days past due, not 26 days past due on XX/XX/2022. 

I am being harassed by PHEAA, despite efforts made in paying a bill. PHEAA continues to deflect responsibility for this violation of rights. No human being deserves to be sent communications claiming the account is past due after a payment was processed regardless of whether the incompetent company fully received it or not. They can only address delinquency after a payment gets returned. Until then, they are to treat the payment as a payment. PHEAA agents have explicitly stated they would misreport to the Credit Bureaus if the payment didn't get processed on their end by 30 days past due for an account. This is concerning, because borrowers have no control over how PHEAA processes payments. In addition, for all we know, PHEAA agents may deliberately prolong this process just to retaliate against borrowers. 

Based on past experiences with this agency, agents follow protocol and do not truly understand who is in control. Then the agents become intolerable to deal with because they do not know how to deal with the public, those of us who become frustrated by the lack of knowledge from Representatives. 

Received twice on XX/XX/2022 ( once in the XXXX and once in the XXXX  ) : Hello XXXX : Your student loan account is almost a month past due. That means collection activities will continue. Send your payment as soon as possible to avoid emails, letters, and calls. 

Failure to clear the delinquency could result in the following : Negative credit reporting Your account being assigned to a collection agency Delay or disqualify you from incentive programs that the lender may offer, such as co-signer release, interest rate reductions, and rebates If you haven't made a payment, please do so today. The easiest and fastest way to make a payment is online. 

PHEAA agents also ask repetitive questions every time I get a separate agent ( even if I'm being transferred ) like has my address or phone # changed since the last time I spoke to someone ( even if it was minutes prior ).
Complaint sub-issue: Information belongs to someone else

I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. 

XXXX  XXXX {$270.00} XXXX XXXX {$190.00} XXXX   XXXX {$3500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Complaint sub-issue: Account status incorrect

I settled a Discover account for less then the full balance and was sent a XXXX. This company should no longer be on my credit report.
Complaint sub-issue: Reporting company used your report improperly

Regarding account ending in XXXX and CFPB Case XXXX, I am aware of your acknowledgement of the cease and desist request regarding account number ending in XXXX. XXXX XXXX has stated " A cease and desist status means that we will not communicate with you to collect a debt.. In the letter you stated that you respectfully are declining my request to stop reporting this account which is my personal information to the credit reporting agencies. And that it will continue to report for up to 7-10 years. I am aware that communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. Keep in mind that a financial institution may not disclose non public personal information to non affiliated third-parties. Also I was never given the option to opt out of such reporting. Also my consumer report should never contain any experiences made between the consumer and the person making the report. Being that I am aware of these federal laws protecting my rights as a consumer and you must delete the account ending in XXXX. This is my written consent to opt out of credit reporting for account ending in XXXX. If my instructions to opt out of credit reporting can not be honored, I will need a statement on your company 's letter head signed under penalty of perjury stating why it can not. I am also aware that making any false, fictious, or [ fraudulent statement or representation to a customer a financial institution such as reporting inaccurate information is a direct violation of 15 U.S. Code 6821 ( a ) ( 2 ). I am aware that whoever violates 15 U.S. Code 6821 such as false, fictious, or fraudulent statement or representation to a customer of a financial institution will be liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 U.S. Code 3751 with fines up to XXXX for a felony by an organization.
Complaint sub-issue: Information belongs to someone else

After reviewing my credit file I have come across information reported from Department of Education/XXXX that is incorrect. On XX/XX/XXXX I spoke with XXXX at XXXX Department of Education and was informed that all my accounts were current in the amount however an account in the amount XXXX and XXXX has never been late because it does mot exist.XXXX also stated that XXXX has not reported anything to either credit agency yet I have negative incorrect possible fraud accounts from there company listed.XXXX also informed me that it would be updated within 24 hours. On XX/XX/XXXX I spoke with XXXX and XXXX and they both informed me that these 2 account never existed however the ones that I do have are current and never been late. Yet all 3 credit reporting agencies are still reporting this inaccurate and based on XXXX and XXXX fraud info. I myself have never known about an account in the of XXXX and neither have I known of one in the amount {$6500.00} and I also know I HAVE NEVER EVER BEEN LATE ON ANY ACCOUNT THAT I MAY HAD. Please remove these accounts from my credit file immediately. As I have never ever been late on a student loan the loans I have are being paid on time and these loans do not exist or could be a result of identity theft as I have been a victim of. EQUIFAX CONTINUES TO REPORT INACCURATE INFORMATION ONTO MY CREDIT FILE THAT THEY ARE NOT EVEN VALIDATING. DEPT OF ED/XXXX COULDNT HAVE POSSIBLY VALIDATED OR VERIFIED THIS INFORMATION WITH YOU BECAUSE THEY CANT VALIDATE IT WITH ME. I WILL BE FORCED TO PURSUE LEGAL ACTION AGAINST EQUIFAX IF IT IS NOT REMOVED
Complaint sub-issue: Account information incorrect

XX/XX/2021 To : Consumer Finance Protection Bureau From : XXXX XXXX XXXX RE : Complaint CFPB, I am contacting your agency because I am not able to get my previous mortgage company, LOANCARE to report my mortgage history correctly. We have been trying to get my credit report corrected since XX/XX/2021. 

We had a mortgage with LOANCARE that was paid off in full in XXXX ( Sale of Subject Property ) of 2021. At the time that the Mortgage held by LOANCARE was PAID OFF in full, the mortgage was in Deferment as per the CARES ACT. 

As of this date, XX/XX/2021, LOANCARE is reporting to Experian that we had a 90 day lateness of this account. 

This is not possible because a deferred mortgage under the CARES ACT can not be reported as being late while the payments are deferred. NO payments were due until XXXX. The mortgage was paid off in full in XXXX ( over 2 months ago ). 

We have called LOANCARE repeatedly to request that they send a letter stating that the account is reported incorrectly, but all they say is that it will take 30 more days. 

We are of the opinion that our rights under the Fair Credit Reporting ACT are being violated. This incorrect reporting of our mortgage payment history is damaging my credit and we are now about to lose our {$9500.00} Earnest Money Deposit on the next house we are under contract to purchase. We can not move forward with our mortgage approval because of this incorrect reporting by LOANCARE. 

We are retired and we can not afford to hire an attorney to address this issue. 

We are in desperate need of some help here and time is of the essence. 

XXXX XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Date : XX/XX/XXXX, XX/XX/XXXX And XX/XX/XXXX Amount : {$11000.00} Disputed account on credit report twice and asked for original signed consumer contract on file for the account along with the process that was used to verify information. I never received anything.
Complaint sub-issue: Information belongs to someone else

Previously sent a dispute by mail to equifax for identity theft on the following items and never heard back from equifax. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. In addition, I also disputed the following inquiries as I did not authorize anyone to run my credit and or identity theft : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX
Complaint sub-issue: Account information incorrect

I have many complaints against all 3 credit bureaus, and it has been going on for more than 10 years, since the beginning of the credit bureau companies. I am not able to get a copy of my credit report. The website for " annual credit report '' says they can not verify my identity. With my driver 's license, social security card, passport landing page, voter registration card, car insurance, care registration card, mobile phone statements, bank statements, and more, they have never, never been able to verify my identity. I have repeatedly postal mailed packets of information that is museum quality documents. I have uploaded those documents to their websites. I have spoken on the phone with their staff. Born in the USA, I speak fluent English and have fabulous communication skills. I am not able to unfreeze my credit report since I don't have the PIN that was issued to me more than 10 years ago. I am not able to remove the inaccurate information on my credit report. Wrong names and misspellings of my name. Addresses that are more than 7 and 10 years ago. Refusing to allow me to update my personal statement of fraud alert. I have complained for years, and nothing has been done to get this issue resolved. I am still not able to get a copy of my credit report or remove incorrect information. Fake debts stayed on my credit report for about seven years, and then left. Currently, there's no fake debts, but much false personal information.
Complaint sub-issue: Trouble with how payments are being handled

I have signed up for recurring payments with Sallie Mae 3 times in the past 6 months with their 3 month automatic payment plan. I contacted them XX/XX/XXXX after 3 payments were to have been taken out of my account ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and they said the XX/XX/XXXX payment had gone thru but the payment for XXXX had not. I contacted then again shortly after and they said none of the previous payment had gone thru so my account was delinquent. When I inquired the customer service rep they said my account was delinquent and the only way to get it current was to sign up for automatic payments which I did on XX/XX/XXXX again. When the payment scheduled for XX/XX/XXXX was not debited I contacted the customer service department again. They said My account was delinquent once again and that My only way to bring it current was to sign up for automatic payments. The next payment was debited on XX/XX/XXXX which only was debited from my account because I made the payment not because it was automatically taken from my account as it was supposed to be. During this ordeal my credit score has suffered, and received negative marks due to Sallie Mae 's inability to keep up with my payments.
Complaint sub-issue: Problem during payment process

I want to request removal of this report on my credit : XX/XX/2022 I canceled the credit card with this company and they canceled the automatic debit that was enabled in my checking account, the payment did not occur due to this company error and I was harmed. I contacted the company, made the payment manually, opened a claim and they did not help me.
Complaint sub-issue: Debt was result of identity theft

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against IC SYSTEM. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Complaint sub-issue: Their investigation did not fix an error on your report

The statute of limitation on debt in Florida has expired for a XXXX 's account being reported by XXXX and Equifax, it is violating the Fair Credit Consumer Act that is negatively affecting my livelihood and credit. XXXX 's account has expired and I have attempted to have XXXX to remove this account as they did with the company to which XXXX 's sold my account to ; XXXX XXXX XXXX. I am entitled to sue for any and all violations against the XXXX XXXX XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update this account completely from my Credit Reports : Account : XXXX XXXX XXXX Balance : {$17000.00}
Complaint sub-issue: Reporting company used your report improperly

I have a credit check from Aqua Finance on my record and I did not approve it.
Complaint sub-issue: Their investigation did not fix an error on your report

This unconfirmed accounts listed below continued to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX  XXXX Balance : {$9900.00} ; XXXX XXXX XXXX XXXX XXXX {$26000.00} ; XXXX XXXX XXXX Balance : {$4600.00} ; XXXX XXXXXXXX XXXX Balance : {$28.00} ; XXXX XXXXXXXX XXXX XXXX : {$34.00} ; XXXX XXXX Balance : {$2000.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 

Equifax Mortgage Service - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 


Equifax Factual Data - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender.
Complaint sub-issue: Their investigation did not fix an error on your report

I moved from XXXX XXXX. due to health issues caused by their complex. I was told I would be let out of lease with documentation from my doctor. I provided it. Now they have placed an account on my credit report.
Complaint sub-issue: Information belongs to someone else

this ( XXXX XXXX ) debt was paid with the original creditor before the creditor gave my information to this collection agency and they reported a collection with the credit bureus
Complaint sub-issue: Information belongs to someone else

I was trying to cosign for my cousin, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 
XXXX {$610.00} XXXX {$620.00} XXXX  XXXX {$650.00} XXXX {$620.00} XXXX {$610.00} XXXX {$24000.00} XXXX {$480.00} XXXX {$620.00}
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/2019 I called CKS Financial to discuss a debt that was owed to XXXX XXXX XXXX XXXX ( XXXX Credit Card ). That day I spoke with 4 different customer service representatives on 4 separate phone calls. I had previously called in numerous times and I was told several different answers to the same question. I was concerned with this debt being removed from my credit reports and on some occasions I was told yes, it would be deleted ( removed from all 3 credit bureaus ) after payed and then on some occasion I was told it would not be deleted. On XX/XX/2019 I was told that it would be deleted upon satisfying the debt so I decided to satisfy the debt. I was told by 2 different customer service representatives that it would be deleted once it was payed and that " they do things differently now as in, in the past, this was not an option but now it is ''. I took a leap of faith and was hoping that I was being told the truth. Now, a month later and the amount is updated to " paid '', my credit score has dropped yet again due to this company reporting on the payment and after a dispute with all 3 of the credit bureaus, it has not been removed. I feel as though this company took advantage of my willingness to satisfy the debt and took advantage of me in that moment. This company was deceitful in their tactics to collect from me. 

CKS accound ID- XXXX
Complaint sub-issue: Didn't receive enough information to verify debt

To whom it may concern, On a recent review of my credit report, I discovered your company, Jefferson Capital Systems continues to report the collection account referenced herein. Prior disputes have not produced, validation of the debt nor a resolution. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that Jefferson Capital Systems, cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Federal Trade Commission and the Attorney Generals Office.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Multiple unauthorized charges ( totaling about {$1500.00} ) were made to my Citi Double Points card for XXXX trips in XXXX XXXX when I was in XXXX where I live. I have never used XXXX. On XX/XX/XXXX I disputed the charges but they don't show up in their Dispute Center. I requested a replacement card only to have additional charges for XXXX show up on the account after the issuance of the replacement card number. I contacted Citi again using live chat. They assured me they would resolve the issue and issued a new card number. The charges appear on the second replacement card online statement. I again contacted Citi via chat to complain and they said that security was dealing with it and it wasn't a dispute - I don't understand. They still did not have listed in the dispute center - no reason for this. These invalid charges use up my credit limit.
Complaint sub-issue: Received bad information about your loan

Hello, I am in the public service loan forgiveness program since XX/XX/XXXX and submit my re certification paper work each year. I had 57 documented qualifying payments as of XX/XX/XXXX, however, sometime around XX/XX/XXXX my qualifying payment count has dropped to zero, I have called them several times to have this matter addressed and they are absolutely unable to correct the issue in a timely manner. We are more than 6 months from when I previously inquired about this. They state they are still in the process of reviewing payments and there is no time line and they can take as long as they want. I request your assistance as this is one of the worst experiences I have had.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 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