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

Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. There has been a warning on my report to not approve such things. My credit report with Equifax is a complete mess, full of inaccuracies, and they have chosen not to deal with it. This is unacceptable. Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to XXXX credit, credit access, credit inquiries, and other things. These entries should and shall be removed. 

I have been locked out and I am unable to have my account restored, even though I am paying a monthly subscription fee to Equifax. I can not get access. My score reports back as "? '' and everything is hidden, unavailable, or technical errors pop up. I have talked with Equifax many times, I have verified myself over the phone, they have acknowledge they are in receipt of my unlock requests, yet, I still can not gain access to my account, credit report, score, or any other credit related information. I am 100 % locked out and I can not do anything about it and Equifax refuses to resolve the issue,
Complaint sub-issue: Overdrafts and overdraft fees

This is the second time this month!!
On   XXXX   XXXX   I deposited {$620.00} to my checking account, this would bring my balance in the account to {$930.00}. However Key Bank only gives you {$100.00}. of the deposit on the day it is deposited.
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On   XXXX   XXXX   I wrote a check for {$300.00}. and deposited it into my business account at another bank and I had a direct withdraw from my account for {$140.00}. Now even though I had a pending deposit they charged me an overdraft fee AGAIN!! This is wrong!! They can process my check from another bank the same day, but they ca n't process my deposit the same day.
This is just wrong!! I also believe it to be illegal if I have a pending deposit that would more than cover the overdraft amount.
Complaint sub-issue: Account information incorrect

Car crash on XX/XX/20 My insurance totaled vehicle and paid Ally what the cars market value was. They have made delinquency and late payments. They have not responded myself, call me back when leaving messages or ever answering and giving the paper work needed by my insurer for months. 

I have been negatively affected by Ally and this is not ethical to make me and my credit suffer. 


My comany Insurance has gap. Ally has been reluctant to speak and resolve this and allow my insurance company to pay the remaining balance of what is owed. 

They have not reported to any Credit reporting agency the vue of payments made. 

They have made false reports on their own recongnisense.
Complaint sub-issue: Account information incorrect

I took out a student loan through Nelnet to attend XXXX and had an outstanding balance. As a result, I was notified the IRS would be seizing my tax return to cover the remaining debt. My entire tax return was taken from 2011 taxes, however the debt is still showing as open, XXXX has stated the loan had been repaid but Nelnet has been less than helpful and says they have no record of debt being paid or my tax refund being intercepted. How do I go about resolving this? Is there a record or receipt I can obtain providing the information where my refund was intercepted, the dates and amount? This is still showing in my credit and has been constantly impacting my credit score severely for a decade.
Complaint sub-issue: Information belongs to someone else

i noticed a few accounts on my report that i do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ), 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: Account information incorrect

I had a business called XXXX XXXX XXXX XXXX XXXX with a business partner. In XXXX of XXXX my business partner made a deal with the chase to pay a reduced amount for the credit card since we closed the shop due to COVID. 

They told him not to pay the monthly fee and then can negotiate. My business partner did that, and when XXXX and our business made a deal and paid off the credit card, somehow they closed all of my personal credit cards as well. and my XXXX score went down over XXXX points in one day. When my business partner called, they said it wasn't supposed to happen and I wasn't supposed to affect like that but they didn't do anything to reverse/correct it. Now it still shows on my personal record that I had a late payment, and my credit score is still low. I am sure they will have a voice recording of our phone conversations. 

I didn't know the government had a service to try to fix it. So I am writing to you guys to see if I can get it corrected.
Complaint sub-issue: Problem lowering your monthly payments

Due to a medical  problem I fell behind on my payments of course I now have late fees on all my cards. I have at least three card companies that are calling me daily and they call at least three times an hour and up to four times a day! So, I get XXXX  calls daily.
Complaint sub-issue: Reinserted previously deleted info

XXXX XXXX placed XXXX previously removed accounts on my report. XXXX accounts were closed in 2010. Both were sold to debt collection agencies. XXXX XXXX re reported these as new, with a balance, and as they are still owners of the debt. 
It is time barred debt, they no longer own, they have already closed and removed the accounts from my report. Illegal and violation of FDCPA to reopen and rereport
Complaint sub-issue: Account information incorrect

Direct violation of 15 USC 1681s-2 ( a ) ( 1 ) E ) ( ii ) Department Of ED/NELNET - {$3700.00} Department Of ED/NELNET - {$2400.00} Delete Now .
Complaint sub-issue: Information is missing that should be on the report

In XXXX, XXXX,XX/XX/XXXXXXXX of XXXX after phone conversations with XXXX XXXX and XXXX XXXX   they informed me the court dates scheduled in months above to collect debt would be canceled, allowing me time to resolve the debt. I contacted XXXX District Court who confirmed dates were canceled by creditors, I was not required to appear. However, XXXX XXXX ( in XX/XX/XXXXand XXXX XXXX  ) and XXXX XXXX. ( in XX/XX/XXXX ) did appear in court on these dates and received default judgements, since I was not in appearance. I did not have knowledge of the judgements until XX/XX/XXXX, they appeared on my credit reports. 
I contacted XXXX, Equifax, XXXX XXXX in XXXX to inform them, the judgements disappeared from, annual credit report and the credit monitoring service I pay directly to XXXX, Equifax, XXXX XXXX. These judgments still do not appear on any report I have access to. However, I applied for a mortgage in XXXX XXXX and XXXX  XXXX, and was shocked and blindsided to learn these judgements were reported to this lender and on my credit reports the lender obtained from all 3 agencies. They reported the judgements I was led to believe were deleted. 
I pay XXXX, Equifax and XXXX XXXX {$19.00} a month each and have been for years to monitor my credit for correct and accurate information, instead I ; m being provided reports excluding judgements, believing they were deleted from my credit, They report these excluded judgements to 3rd parties without my knowledge, since judgements have been wiped from the reports they provide directly to me I pay them for, they collect their monthly fees from me and provide me with false information.
Complaint sub-issue: Debt was result of identity theft

THESE XXXX COMPANIES ARE TRYING TO COLLECT THIS FRAUDULENT DEBT AT THE SAME TIME. XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX. THE DOCUMENT ATTACHED IS A FTC COMPLAINT FORM LISTING ALL FRAUDULENT COMPANIES.
Complaint sub-issue: Their investigation did not fix an error on your report

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX  XXXX XXXX XXXX ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX XXXX  XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX XXXX ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed Credit 1 XXXX XXXX  XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX XXXX  On XX/XX/21, XX/XX/21, XX/XX/21. Eventhough I have proof that they have ignored my inaccuracies turning them into violation. They have failed to properly investigate
Complaint sub-issue: Attempted to collect wrong amount

XX/XX/2018 - 5 accounts through XXXX XXXX open. 4 at 6.8 %, 1 at 3.4 %. Refinanced at 4.49 % through XXXX serviced. 

XX/XX/2018 : checks for each account to close were instead bundled and fairshared. Now have 5 accounts with XXXX ( for smaller amount ) and 1 with XXXX XXXX. Making weekly payments XX/XX/2018 : caught error and called. Spoke with all 3 institutions to correct error check-by-check in conference call. Was told it would take 2 weeks XX/XX/2018 : nothing changed. Went ahead and paid off 1 loan ( {$300.00} ). By the following Monday, I had credits in 3 accounts at 6.8, a higher balancein 3.4, and over XXXX in one 6.8. Should have been under {$3000.00} total. Have spoken 11 times with the organization since and it is still incorrect. 

XX/XX/2018 : had spoken with an individual that they are issuing a credit to common bond and I would receive a credit for XXXX to the 3.4 account, making the balance XXXX. This was correct. Now have 4 accouns open again with credits and 1 account at XXXX. 

I have repeatedly tried to escalate throughout this process. I spoke with a tier 3 who has an extension. He has yet to return a call. Another escalation escalated to their supervisor who would not come to the phone and provided a 2 day business day turnaround. I received no call. My credit has since dropped 4 points.
Complaint sub-issue: Personal information incorrect

Fair Credit Reporting Act Willful Non-Compliance, Willful noncompliance with FCRA Disputed Accuracy Section 611. FCRA Rules allow {$1000.00} per violation. EQUIFAX failed to respond twice within 30 days to letters sent in response to inaccurate contact information on my credit report.
Complaint sub-issue: Was not notified of investigation status or results

I need help with a dispute that I submitted on XX/XX/2022 with XXXX, Equifax, and XXXX. I haven't received any response as of yet. I need them to be held responsible for investigating my dispute.
Complaint sub-issue: Information belongs to someone else

The following collections accounts are fraudulent and not my accounts : XXXX XXXX XXXX, $ XXXX and XXXX XXXX, {$290.00}, XX/XX/2016. I been receiving numerous phone calls of harassment, threatening, abusive, unfair and deceptive language. The above creditors are in total violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.
Complaint sub-issue: Received bad information about my loan

On XXXX 2017, I made my monthly payment of {$240.00} toward my FEDSTUDENT Loans. My bank account had sufficient funds to cover this payment. Federal student loans ' billing states that three ( 3 ) business days should be allowed to debit the account and reflect the payment as paid. 
On XXXX, 2017, I received a letter from FEDSTUDENT Loans that I had insufficient funds to cover this payment. 
THIS IS A FRAUD statement AND I can PROVABE it THROUGH MY BANK STATMENT. FEDERAL student loans & billing never processed the payment as evidently shown on my bank account BUT reported me delinquent as of today, XXXX,2017, for 8 days. 
Once again, as of today, I made another payment {$240.00} that was due on XXXX,2017 - this payment will be reflected on Monday XXXX, 2017 and late. 
It is a fault of the FEDSTUDENT loans billing practices to mess up the credit of former students. FEDSTUDENT loans work very slow and inefficiently. In addition, if a former student is on Income Based Repayment Plan, the former documents for such eligibility are not attached/displayed at the former student federal loans account online for a prove of elligibility. Why? 

Most importantly, former students should not be reported delinquent due to the wrongful billing practices of FEDLOANS. I BELIEVE THIS IS DONE WITH PURPOSE SINCE I AM ON INCOME BASED REPAYMENT PLANS - IF I AM DELINQUENT I WILL BE DISQUALIFIED AND DROPPED FROM THE IBR PLAN AND NOT ELLIGIBLE FOR. WHAT TYPE OF 'DISHONEST ' GAME IS THIS BY THE FEDLOANS?
Complaint sub-issue: Deposits and withdrawals

On XX/XX/2017, I discovered that a check I had written for {$160.00} to XXXX XXXX XXXX, a medical facility, had been cashed for {$2600.00}. I went to my Citibank branch that day, and I was told that it appeared the check had been stolen from the mail and " washed, '' then altered to change the amount and the payee. The bank branch said this was a common problem in our neighborhood, but that my funds would be restored. I completed as affidavit for Citibank that day, and included a copy of the canceled check which Citibank provided me, which shows the altered check was changed to payee XXXX XXXX, a name I have never heard of, and which is clearly written in a handwriting that does not match my signature. I also provided information showing that I had to pay the correct payee, XXXX XXXX   and that they had not received the original check.

I have asked Citibank several time if the funds can be restored to my account while the bank pursues the fraud, but they say that is not possible until the fraudulent payee returns the money. I believe Citibank is responsible for going after the funds and should credit my account in the meantime.
Complaint sub-issue: Problem getting your free annual credit report

Equifax requested that I send in verification documents to obtan my credit report. Documents sent in and I'm still unable to get the credit report due to the fraudulent address they have on file.
Complaint sub-issue: Their investigation did not fix an error on your report

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Complaint sub-issue: Don't agree with fees charged

I am currently in good standing and paying my loans back at the rate of {$99.00} per month. The problem is that the Department of Education through FedLoan Servicing have disregarded 17 years of payments that I the Department of Education received. Let me explain ; my student loans defaulted about 20 years ago when the Department of Education defaulted me without notice and without serving me with a complaint. Their excuse was that they could locate me but that is inaccurate as each time that I moved, I filed a change of address with the United States Postal Service. Be that as it may, my loans defaulted and I entered into a payment arrangement with the XXXX XXXX XXXX, a collection agent for the Department of Education, and {$170.00} per month was taken out of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX checking accounts for over 16 years. In addition, my federal and state income taxes were intercepted for 18 years as well. In spite of these monies having been taken from me for over 18 years, my student loan account has not been credited with the amount being applied to my student loan debt. This has forced me to have to be subjected to unreasonable interest rates on a higher loan amount, with loan payments due to escalate to {$1700.00} starting in XX/XX/2017 which will bankrupt my family all because the Department of Education made a decision to disregard my consumer and civil rights by arbitrarily disregarding my 18 years of student loan payments and refusing to rehabilitating my student loans and never deducting my student loan repayment for the program that I signed up for in the XXXX XXXX. In light of the department of education 's disregard of my civil rights, I request for these loans to be discharged. In addition, I would like to have my account credited for the tens of thousands of payments that have made to date. If necessary, I would like to request a hearing before a federal court of competent jurisdiction to address this grievous injustice if my grievance can not be resolved..
Complaint sub-issue: Charged too much interest

I paid off my Macey 's credit card in full ( XX/XX/2020 ) before the next statement date in XX/XX/2020. Macey 's is trying to make me pay for instrest that is false after my balance was paid off the month before. 
I want Macey 's to remove the {$2.00} interest fee, as I am refusing to pay the interest on a XXXX  balance.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed all of my Inquiries on my credit reports from XXXX and XXXX and they did not remove them. I did not authorize them and I need them off to be able to acquire other credit. I called, faxed and mailed disputes and they still are not removing them. The FCRA states that the only permissible purpose for pulling someones credit is for A. Firm Offer of Credit B. B. Insurance C. C. Employment D. D. Court Order
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax, XXXX, and XXXX is govern by 15 USC 1681. And they have violated my rights numerous times! I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and did not give them permission to furnish these accounts. 
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX Account # XXXX Account # XXXX Has violated my rights. 15 USC 1681 section 602A states I have the right to privacy. 15 USC section 604A section2 it also states a consumer reporting agency can not a account without my written instructions. I also sent each XXXX and investigation letter to verify everything on my consumer report was 100 % accurate if not to delete the account and they did not do it. 

I also sent a second letter letting them know that they did not a proper investigation to verify everything was XXXX percent accurate and showed them proof they are now willfully violating the fcra keeping inaccurate information on my consumer report I want it deleted
Complaint sub-issue: Information belongs to someone else

I have contacted XXXX XXXX XXXX XXXX about an account that should not be on my credit report. It has been over 7 years and they are reporting late payments continuously. They told me the account would be deleted in 2021. They decided to update information and report it to all credit bureaus recently. 

They are in violation of 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: Public record information inaccurate

I had a temporarily suspended license due to a traffic ticket. It has been cleared with the justice court of XXXX, but the DMV hasn't updated their information and it is still pulling suspended when my license is no longer suspended. DMV told me it will clear, but it may take a few weeks because it was their mistake. I have a copy of a clearance letter from the justice court saying my license is not suspended. Thank you.
Complaint sub-issue: Reporting company used your report improperly

The credit reporting agency, Equifax, recently allowed my credit report, and personal information to be stolen from them. They were negligent and careless with internal controls.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX Date XXXX inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Complaint sub-issue: Information is not mine

Hello : I am writing this letter because there is a big mistake on my credit report. I am specifically asking for a legal debt validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA for the following account : XXXX {$1500.00} CollectionsThe collection company has failed to legally verify and validate this debt despite my many attempts to contact them. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item and prevent them from re-inserting this item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to a speedy resolution of this matter. 

XXXX XXXXSSN : XXXXDOB : XXXX
Complaint sub-issue: Trouble with how payments are being handled

Similar issue to previous complaint # XXXX submitted in XX/XX/2017. After coming to an agreement to correct Fed Loan Servicing 's error in processing my student loan repayment, they have once again sought to increase my repayment step-up by more than 89 %, which is completely unacceptable. I contacted the Fed Loan Servicing office indicating that I've had this issue in the past and that I would not diverge from the original agreement I signed, which called for increases of approximately 20 % every two years. Their response was to revise my repayment plan to an increase by more than 70 %. As you can imagine, constantly having to deal with this organization is unwarranted and unacceptable. Since Fed Loan Servicing has shown a tendency to ignore the needs of their student borrowers, I am once again leaning on the CFPB for assistance. I have also indicated to them I will increase my monthly payment by approximately 20 %, as agreed previously, going forward. I also indicated I will file suit if Fed Loan Servicing attempts to garnish or other means of collecting an inappropriate amount of my loan balance.