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

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
Complaint sub-issue: Received bad information about your loan

I borrowed Student Loans from Sallie Mae but fell behind on payments. As a result, my loan was charged off and sold to a debt collector XXXX XXXX XXXX. I made two payments with them, but I do not believe these payments went to Sallie Mae. I am in contact with Sallie Mae to obtain any records they have, and the debt collector was hesitant to assist me in this matter. I am trying to assess my options.
Complaint sub-issue: Account information incorrect

I had a revolving account with XXXX XXXX that unfortunately due to loss of employment I was unable to maintain. On XXXX I settled the account in good faith. XXXX XXXX XXXX updated the account as settled within 2 weeks as " {$0.00} balance past due '', after XXXX XXXX reported the settlement. Equifax did not update their records. When I initially reached out to Equifax they informed me its up to the original creditor & advised that I reach back out to XXXX XXXX to correct this issue. Following the advice I reached back out to XXXX XXXX & the general manager manually sent the 2'nd update to Equifax on XXXX. I waited over a week with no response from Equifax, I called them again to simply update the account & they refused. I disputed the XXXX XXXX account with Equifax for the same reason as stated above " balance not reporting accurately '' I could not upload the letter of my successful settlement on the Equifax website, so I faxed the document over twice & sent it by regular snail mail. Equifax still refuses to correct their reporting. I thought the system was built on truth and accuracy. I am a few points short of obtaining a mortgage for me & my family, Equifax is making sure me and my family stay XXXX
Complaint sub-issue: Having problems with customer service

My monthly student loan payment went up over 3x ( from XXXX to XXXX ) with only normal statement notification. The reason for the increase is my failure to recertify my " Income Based Repayment '' payment plan. I was never alerted via XXXX mail about these changes - I was only given " paperless notification '' that was available via the servicer 's website. When I 've tried to call the servicer to discuss my situation, I have been put on hold for extended wait times ( one time over 30 minutes, and then this morning for 15 minutes ).
Complaint sub-issue: Investigation took more than 30 days

I contacted all three credit bureaus about accounts that I saw that had errors being reported and that was over 30 days ago. I sent this letters via mail on XX/XX/2021. I don't feel that I am liable for this debt.
Complaint sub-issue: Problem making or receiving payments

I can not pay my rent with XXXX with my banking account
Complaint sub-issue: Didn't receive notice of right to dispute

On Thursday XX/XX/XXXX a collection account was reported to my credit reports by your company, Americollect to all three credit bureaus in the amount of {$65.00}. The date opened is listed as XX/XX/XXXX. 
The notification of the negative item from my credit monitoring company is the first time I received notice of this alleged debt. This means that Americollect is attempting to collect a debt in violation of FDCPA by failing to provide a written debt validation letter with a clear notification of what the debt is and failing to notify me in writing of my rights to dispute this debt. Essentially robbing me on my right to have this debt verified. 
The FDCPA regulates abusive practices by debt collectors. As such, by operating in violation of FDCPA Americollect is subjecting me to abusive practices by willfully negatively affecting my credit rating and not allowing me access to information about this debt.
Complaint sub-issue: Threatened to sue you for very old debt

I filed bankruptcy in XXXX - I turned over my keys to mortgage company. I had an 80/20 loan and the 20 is still coming after me. 
They are trying to collect XXXX because of interest accrued!! 
When the debt owed was originally under XXXX - and the 80 % loan never paid them!
Complaint sub-issue: Debt is not mine

The company Pro Collect has been calling my # for over a year daily sometimes XXXX times. I 've spoken with them XXXX times to explain I am not XXXX XXXX I do n't know her. They continue to call.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act, XXXX XXXX, Account # 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 an account without my written instructions.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Complaint sub-issue: Old information reappears or never goes away

I filed bankruptcy years ago and included a XXXX XXXX XXXX student loan that was discharged. I have spent too much time getting XXXX to finally remove it because it was in the BK and past the statute of limitations. Now there is a company reporting the loan to my credit called XXXX XXXX XXXX which doesn't have a working phone number to be able to contact them. I have tried to dispute it with Equifax and XXXX but they didn't properly investigate because if they had they would see that they cant get in touch with this company to properly verify it. Had they, they would find out this is a debt that was in a BK and past the 7 year SOL and cant be reported. Please help with this. I have attached my entire BK file and page 21 by itself so you can see the loan was in the BK.
Complaint sub-issue: Public record

I contacted equifax on XX/XX/XXXX about the fact that they are not reporting my public federal bankruptcy number XXXX filed on XX/XX/XXXX DISCHARGED on XX/XX/XXXX they keep telling me that they can not input this information despite it being public information and on the pacer.gov website I faxed in my federal bankruptcy paperwork to equifax on XX/XX/XXXX and they have confirmed it was received. This bankruptcy information is reported correctly on transunion and experian I have called and complained numerous times as its affecting my credit report with equifax to this day. There are XXXX negative accounts showing up under XXXX XXXX XXXX XXXX XXXX that should be updated with this information as included in bankruptcy if that is n't enough these XXXX accounts WERE also included in my ex husbands bankruptcy case XXXX filed on XX/XX/XXXX discharged XX/XX/XXXX. I have also contacted XXXX XXXX at XXXX XXXX XXXX XX/XX/XXXX and he said by law this information would be corrected in 72 hours however as of XX/XX/XXXX it is still being reported wrong by Equifax and XXXX XXXX XXXX XXXX XXXX .
Complaint sub-issue: Debt is not yours

This is about Enhanced Recovery ( XXXX {$1800.00} ) Hi this debt was removed off my credit report, it was a mistake by the XXXX / XXXX cable company. They removed it and deleted it from my credit file. they also gave me an apology. this collection company purchased my info from somewhere and trying to collect a debt that I don't owe. XXXX spoke with me by phone and told me I have XXXX debt with them. please remove this again off my report.
Complaint sub-issue: Their investigation did not fix an error on your report

These accounts were disputed with XXXX and XXXX but they have not been removed. These accounts are 100 % fraudulent. 

Account Name XXXX XXXX Account XXXX Account TypeCollection ResponsibilityIndividual Date XXXX Account TypeCollection ResponsibilityIndividual Date XXXX StatusCollection account. {$740.00} past due as of XX/XX/XXXX. 
Status UpdatedMar XXXX Balance {$740.00} Balance XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$740.00} Highest Balance {$0.00} Terms1 Months On Record UntilXXXX XXXX Account NameXXXX XXXX XXXX Account XXXX Account TypeCredit card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$1000.00} written off. {$960.00} past due as of XX/XX/XXXX. 
Status UpdatedJun XXXX Balance {$960.00} Balance UpdatedXXXX Recent Payment $ 0 Monthly Payment {$0.00} Credit Limit {$800.00} Highest Balance {$1000.00} TermsNA On Record UntilJul XXXX Account NameXXXX Account XXXX Account TypeCharge Card ResponsibilityIndividual Date XXXX StatusAccount charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Status UpdatedAug XXXX Balance {$1200.00} Balance XXXX Recent Payment $ 0 Monthly Payment {$0.00} XXXX XXXX Highest Balance {$1400.00} TermsNA On Record UntilAug XXXX Account NameXXXX XXXX XXXX XXXX Account XXXX Account TypeUnsecured ResponsibilityIndividual Date XXXX StatusTransferred, closed. {$0.00} written off. 
Status UpdatedJan XXXX Balance- Balance Updated- Recent Payment- Monthly Payment {$0.00} Original Balance {$2500.00} Highest Balance {$0.00} Terms24 Months
Complaint sub-issue: Don't want a card provided by your employer or the government

I received a prepaid Card in the Mail on Monday from usbankreliacard. I live in New Jerey and am currently employed and never unemployed. I researched that this card is for unemployment benefits and I have never been unemployed. I have lock my credit file. I have sat on hold for 2 hours one time and 1 1/2 hours the second time to be hung up on. I did not ask for this card and I do not want this card. I was to to reach out to my state unemployment office and sat on hold there numerous times to be hung up on each time I called.
Complaint sub-issue: Investigation took more than 30 days

XXXX CARD - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Complaint sub-issue: Public record

I obtained vehicle insurance and I received an Insurance Score Notice stating there was PRESENCE OF A BANKRUPTCY ( SEE ATTACHED ). I do not have a Bankruptcy. In XXXX of 2014, I contacted CFPB to file a complaint against XXXX Case Number : XXXX. XXXX DELETED the Bankruptcy information from my credit report ( SEE ATTACHED ).
Complaint sub-issue: Their investigation did not fix an error on your report

I have been fighting this bankruptcy for years because of the inaccuracies inside of the bankruptcy which is why it is dismissed. Today, I logged intoXX/XX/XXXX to verify the information that was correct and incorrect. I noticed that bills that were included in the bankruptcy are still on the report. I also noticed that the case number is incorrect. I am sure what is being reported on all three bureaus, XXXX and XXXX is incorrect information.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

When I tried to contact the company, they stated that they no longer have the debt and they couldnt verify it. They stated they have no paper work on the alleged debt. I called and wrote multiple times to no avail.
Complaint sub-issue: Information belongs to someone else

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY REPORT WITHOUT MY KNOWLEDGE. PLEASE REINVESTIGATE YOUR CREDIT REPORTING AND HAVE THOSE DEROGATORY ACCOUNTS REMOVED.
Complaint sub-issue: Debt is not yours

We don't owe XXXX XXXX XXXX any money, we never signed a contract with them. We have been fighting XXXX XXXX XXXX for 3 years now. This collections was removed from XXXX and XXXX, but still remains on my XXXX   credit report.
Complaint sub-issue: Information belongs to someone else

Equifax is reporting 4 Fraud/ID theft accounts and even with a police report and supporting documents they will not remove and or block them. These accounts were removed in the past and or now begin re-reported!! The following accounts are fraud!! 
1.XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX 3.XXXX XXXX XXXX XX/XX/XXXX 4.XXXX XXXX   XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account status incorrect

With the Care Act, student loans were put into forbearance. My daughter is buying a house and I want to refi my home. Her score dropped by a number of points because her federal student loan was reported in forbearance. ( she has no lates and has paid off her wedding debt in XXXX. This should be corrected immediately. The credit score should not be impacted by this. I pay her loan and I am a co-signer. I can pay for her loan. I was never notified nor asked is I wanted this. I know this is to help the country. I am not against that. But you are helping on one hand and slapping with the other. We need to get this fixed for her asap. She will have to pay a higher rate because her score is affected. She is at XXXX now. Her Mortgage score will be lower, I am sure. Her mortgage score before this was above 720.
Complaint sub-issue: Account information incorrect

Please Be Advised I have wrote multiple of letters. The inaccurate accounts remain on my credit report ( US Dept Of ED XXXX in the ( Date Opened, last reported, Date last Active, Date of last payment section. XXXX  is reporting different information than XXXX  is reporting show that there is a late fee which is also incorrect account was never late. These accounts seem to be furnished by the same creditor so why is all provided data different. It is your duty to insure that all information that reported is consistent and most importantly accurate and you have failed to do so please Delete this erroneous item immediately. 

Attached you will find documents of the account. 

If you find that the information is inaccurate I am asking for the account to be removed from my credit report as soon as possible please. 

Account name : US Dept ED XXXX Credit Bureau XXXX XXXX Account Name US Dept ED US Dept ED Account Number XXXX XXXX Date Opened XX/XX/XXXX XX/XX/XXXX Last Reported XX/XX/XXXX XX/XX/XXXX Date Last Active XX/XX/XXXX XX/XX/XXXX Date Last Payment XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

Equifax Information Services LLC is continuing to list a fraudulent address and a fraudulent inquiry on my credit report. I have written them on several occasions and alerted them this information is fraudulent and have asked them to remove it. There is a fraudulent address from XXXX IL and a fraudulent inquiry from XXXX CRD SVC listed. I have written Equifax Information Services LLC on several occasions that these items are fraudulent and have asked them to remove them. They ignore me and never respond. Please make Equifax Information Services LLC remove this fraudulent information immediately.
Complaint sub-issue: Charged too much interest

I asked my bank why they were charging me interest charges on a secured credit card of mine, cause the credit line on my card is money I put in there trust because I had bad credit.I was told that I would only have to pay a annual member fee charge.I put {$1000.00} dollars for a secured credit line of my money so I could start a credit history.The thing that really worried me was last month I never used, are charged anything on my credit card and they charged me a {$11.00} interest charge on purchases made? When I ask them why they told me it was in the fine print that I agreed to, ( I NEVER SEEN THAT ARE TOLD THAT ) .I also notice that my credit line is charge a interest charge every time I use the credit card to buy something.
Complaint sub-issue: Their investigation did not fix an error on your report

I have not received confirmation nor certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately, Therefore. You are to present to me with a certification in testimony that the alleged accounts presented in Exhibit C are in fact compliant and not subterfuge? ( copied from the affidavit of truth and Facts )
Complaint sub-issue: Information belongs to someone else

Fraud & Improper use of my information
Complaint sub-issue: Information belongs to someone else

I'm kind of concerned because there are still items on my credit that are not mine. I went to refinance my car and they told me that I would need a co-signer. The finance man there went over my credit and there are still items on my credit that are not mine. I've contacted the FTC and the police. I'm doing this on my own behalf. XXXX and US Dep Ed.  Please remove from my credit.
Complaint sub-issue: Public record information inaccurate

I have sent requests to have the BANKRUPTCY removed from my credit reports, as I have contacted the Bankruptcy Court and received a letter from them stating that they do not report to the credit bureaus. The response information I receive back from the all 3 credit bureaus is that is has been " VERIFIED '' and they obtain public information from the local, state and federal courts, which is untrue since I have a letter from the the Bankruptcy court stating that they do n't report to the credit bureau, so I 'm asking for help in this matter to have this removed from my credit reports from all 3 credit bureaus ( EQUIFAX, XXXX & XXXX ).

Thank you in advance for you help in this matter
Complaint sub-issue: Their investigation did not fix an error on your report

We sold our house in XXXX XXXX, California starting escrow in XX/XX/2021. Our mortgage company was XXXX, and the escrow company was the XXXX XXXX XXXX. During the escrow process, the XXXX XXXX XXXX was supposed to take care of the mortgage payment ( s ) ( $ XXXX/month ). The escrow process was longer than planned ( stretching over a two month period ), and during this time our mortgage was not paid at all by the XXXX XXXX XXXX. However, XXXX never sent us a certified letter nor notified us in any ways about the missed payments, and we only found out about them after two payments have been missed and my husband received a credit bureau notification about a delinquent account on a Sunday morning. When we called XXXX to advise them we were in the process of selling our home and that XXXX XXXX XXXX was supposed to pay our mortgage in the meantime, XXXX advised us that no one had been paying it and that they were not aware of us being in escrow at all. They advised that a payoff quote for our home was requested from them in early XX/XX/2021, but there was no follow-up to it. It took us several days of long calls between the XXXX XXXX XXXX and XXXX to get the issue solved, and at the end XXXX XXXX XXXX took responsibility for the missed payments, and paid them ( along with the late fees ) during the payoff process. The XXXX XXXX XXXX investigation revealed that they wired money to a wrong account at the time, and no one realized they did not pay our mortgage. At the end of their investigation, the XXXX XXXX XXXX provided us with an email to send to the credit bureaus about the XXXX XXXX XXXX fault in this matter ( in which they explained it was their fault that the payments were missed during the escrow process, dated XX/XX/2021 ), in order to get the late payment delinquencies removed from our credit histories. However, the credit bureaus advised that XXXX had to remove those delinquencies. When we contacted XXXX, they refused to assist us in this manner, claiming that our account was closed out and there was nothing they could do. We notified the credit bureaus and provided them with that email as proof, also filing claims to remove those delinquencies with all three bureaus online. We are currently trying to obtain a mortgage and are unable to do so due to the delinquent mortgage payment history from 2021 that resulted from this issue, even though we have documentation to prove that it was not our fault.
Complaint sub-issue: Banking errors

Discover bank constantly tries to steal money. I called everyday for bank card. Its XXXX and I'm told it was returned a week ago. I got no notification. XXXX. Customer service said she XXXX XXXX card but uts too late. I've called everyday and no knew told me. XXXX supv.
Complaint sub-issue: Account information incorrect

I informed the company the status of my payments. I made a lump sum payment bring my account status to " current. '' They incorrectly reported my account to Equifax as being " past due. ''
Complaint sub-issue: Trouble with how payments are being handled

XX/XX/2007 XXXX XXXX XXXX XXXX XXXX {$39000.00} This loanwas transferred to AES American Education Services My loan stated about 22,000 and beed {$39.00}, XXXX for many years.All the mony I pay goes towards interest only. I asked them to lower the interest rate. They informed me that they do not refinance. 

I went to XXXX XXXX XXXX at XXXX XXXX Univ. My contract I was to get alife time re-training. However, I never finished the school. 

I am having a hard time finding anyone that will refinance these loan.Can you provide me with a list of companies that will refinance? Mt current interest rate is 8.25 %. 


I will provide document upon request. I do not have much.
Complaint sub-issue: Overdrafts and overdraft fees

Tcf app not showing the same info as what is being charged in OD fees. Pending transactions will not show up but being charged for them. Tcf has refused to reverse these OD fees upon request. TCF also is charging double fees on returned items one nsf fee and one returned item fee causing a XXXX dollar charge!!! I have been charged hundreds of dollars in OD fees since XX/XX/XXXX. I would like a reversal of these fees. Pending debit card transactions are already deducted at time of purchase from your available balance. I should not be charged up to 5 OD fees a day for one OD.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit report, I noticed that Equifax was reporting a credit inquiry on XX/XX/2021 from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX. I did not recall ever making a credit application with this financial institution. I contacted this bank and was advised that there were no open accounts under my name and social security number. And was advised to dispute the inquiry with Equifax. I did so and Equifax completed their investigation on XX/XX/2021. They advised me that a credit inquiry was made by XXXX XXXX XXXX  on the date mentioned. However, neither XXXX XXXX XXXX  nor Equifax could provide specific information on how this inquiry was accessed nor on who made it. Their solution ( which is not acceptable to me ), was to simply place a disclaimer on my credit report indicating that I did not a credit application. This is not acceptable to me, because this inquiry will remain on my credit report for two years and no information has been provided to me as to whom made this inquiry and how it was entered into the XXXX XXXX XXXX  system. One would suppose that whomever made this inquiry into my credit report would have had to access the system using some form of protocol.