Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account status incorrect

This account is reporting inaccurate late payment readings to my credit report. 
I sent a letter to XXXX XXXX XXXX USA asking for proof that this account was late during the months that Equifax is reporting and they sent a response letter stating that I was NEVER late during the months EQUIFAX is reporting to my credit report. I have attached proof of the verified information from XXXX  XXXX XXXX  USA.
Complaint sub-issue: Report provided to employer without your written authorization

I recently checked my credit report and I notice there are a bunch of unauthorized credit inquiries made. My credit was illegally ran by XXXX XXXX XXXX in XXXX, IL. I did not give them permission to run my credit and while out for a test drive they ran it and sent it to finance places. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into these XXXX inquires to determine who requested this credit inquiry. The same day, XXXX XXXX in XXXX, IL did run my credit with my permission so those inquiries are correct. According to XXXX XXXX, before they ran my credit, they said I had XXXX inquiries from XXXX XXXX XXXX. If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this.
Complaint sub-issue: Trouble with how payments are handled

I have recently graduated and surpassed the six month-post-graduation deferment status. I intend on continuing my education, but until then I planned on paying on my student loans. When I had initially called Sallie Mae, and XXXX, and Sallie Mae, and XXXX again ( due to their incredibly confusing split of my loans after I had taken them out ) they had given me one specific payment of which was reasonable. When the bills actually arrived in the mail they were quadruple what I was told on the phone a few months prior. Without having been employed in my field yet, I was able to pay the original stated payment but can not afford what they are claiming I must pay monthly now. Every time I call I reach a different person who is insistent on handling my call rather than trying to transfer my call to whom I had spoken to the last time, this leads to ever changing advice and totals. Every time I call they give me a different amount, date, and information. I am so overwhelmed because I feel as though Sallie Mae and XXXX have successfully made this process way more confusing and difficult by splitting companies and loans without any prior notice.
Complaint sub-issue: Information belongs to someone else

Recently I looked at a copy of my credit report and noticed several fraudulent accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. 

Here are the items I am asking you to verify as accurate : 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 XXXXXXXX After your investigation is complete, please send me the results via mail.
Complaint sub-issue: Information belongs to someone else

On XX/XX/2020 Discover Financial Services placed an inquiry on my report. I responded to a Pre-Approved offer by XXXX that stated that my credit report would not be effected. I did not authorize Discover or XXXX to place this inquiry in my report. Although XXXX  guaranteed that my report would not be hurt, it was done against my will. 
I have tried contacting Discover numerous times by phone but no one answers to my calls.
Complaint sub-issue: Information belongs to someone else

I reported this to Equifax and XXXX. This fraudulent account keep returning onto my credit report and it cause me to not close on my home. I would for this issue to resolved and removed immediately from my Credit report! I did file an FTC with a reference # XXXX
Complaint sub-issue: Account information incorrect

RE : Investigation Request to Delete Unvalidated Credit Accounts and Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. I will also request that you provide proper validation of all said debts by providing all documentation that shows by wet ink signature so if need be I can file all proper FRAUD affidavits with the FTC. 

Re : ACCT # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim [ XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), such as I owe {$960.00} or my account was seriously past due and assigned as a collection in the amount of {$960.00} ]. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 


I AM ALSO DEMANDING COMPLETE VALIDATION OF THE ALL INQUIRIES LISTED BELOW, PLEASE DELETE THESE UNVALIDATED INQUIRIES IMMEDIATELY : XXXX XX/XX/2020 EQUIFAX MORTGAGE XXXX XXXX
Complaint sub-issue: Attempted to/Collected exempt funds

This card was originally with citi ( Sears ). I got ill about XXXX years ago i was XXXX and i am now on XXXX. XXXX is the only income i have. XXXX XXXX attorney XXXX XXXX XXXX continue sending me a letter threatning me that their going to ask the court to freeze money in my bank account. The only account and income i have is state social security benefits. I filed an affidavit of exemption schedule to my account on XXXX XXXX, 2015 I know they received it. The Law office XXXX on behalf of XXXX XXXX continuning to ignore that i am XXXX. This debt is almost XXXX years old. If i ever get back on my feet and healed from this XXXX the debt still is n't what they claim. My credit card limit was only {$2500.00} They continue to add interest daily. Please help me, this is stressful i 've been really sick this is the last thing i need is pressure to pay a debt i can not right now.
Complaint sub-issue: Confusing or misleading advertising about the credit card

DO NOT OBTAIN CREDIT CARDS FROM HOME DEPOT, PROMOTIONAL OFFERS ARE ABUSIVE. 

Good Evening, I made a purchase @ Home Depot back in XX/XX/2018 for which we requested a credit card from the store to purchase some goods. The card was issued for credit of {$1000.00} USD which was used to apply a promotional offer of 6 Months No interest rate. I made my payments on time but I did not paid the full amount back within 6 months. Today is XX/XX/XXXXand I haven't had a change to review my account between XX/XX/XXXX and XX/XX/XXXX, and I got the surprise that back in XX/XX/XXXX I received a charge for {$130.00} USD for interests of the previous 6 months for a Balance of {$650.00} USD!!!! 
From my point of view this is completely unfair and was not explained when I obtained the credit card. THIS IS AN ABUSE. From my point of view when an bank offers something of this kind you start paying interests over the amount you have not covered starting from the date when the grace period is finished, but instead this company is charging me unfairly interests of 6 months over the balance of the account. I know they are going to say I signed a contract and I agree with it. Honestly this was not explained when we applied the promotional offer, is understood that you will start paying interest on the balance from the date the 6 month period expires. I did call the Home Depot Credit Card Department and it was usefulness, the executive neglected to make any changes to this unfair charge. 
Thank you for your time reading this comments.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX reported delinquent payments. I was a victim of identity theft in 2014. It was reported to the proper authorities but XXXX XXXX XXXX won't remove this from my 3 credit reporting agencies.
Complaint sub-issue: Company closed your account

After having a substantial relationship wit h PNC B ank, I got a notice they have decided to close my account and gave me no reason whatsoever. I  had one issue with  a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts.     I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses.     There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.
Complaint sub-issue: Information belongs to someone else

I was trying to cosign for my mom a new vehicle, and the car salesman told me my credit was low. I told him to show me my score and report. There are items on my credit that does not belong to me. These are the items that needs to be removed. 

XXXX XXXX XXXX XXXX XXXX {$92.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX {$400.00}
Complaint sub-issue: Information belongs to someone else

I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide evidence. CFPB step up and delete XXXX XXXX XXXX ( ORIG CREDITOR : 09 XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX ), XXXX   XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ),
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XX/XX/XXXX, I opened my dispute for {$1300.00}. 

XX/XX/XXXX, I closed my dispute, With the intent of disputing half the original amount. 

XX/XX/XXXX, Dispute department employee XXXX, Enters all my information for the new amount and assures me within 2 weeks time my information for the new dispute would be mailed to me. 

XX/XX/XXXX, After waiting the 2 weeks, I call in and am informed by supervisor XXXX turns out the dispute can't be reopened. That, {$200.00} is all she can do and I have no recourse but to pay {$1100.00}. 

XX/XX/XXXX, I emailed XXXX XXXX SVP, XXXX XXXX XXXX 

XX/XX/XXXX, I received a voicemail from XXXX XXXX Of Citibank 's Executive Response Unit. 

XX/XX/XXXX, I received a letter stating what had been done. 

XX/XX/XXXX, After requesting through social media to be contacted by email like Mr.XXXX had previously stated I was once again contacted by phone. 

XX/XX/XXXX, After finally receiving an email from Mr.XXXX. I emailed the executive response unit and have yet to receive a reply. 

After much back and forth, I've yet to speak with my point of contact XXXX XXXX. When I requested a direct phone number to reach someone other than XXXX it could not provided. According to the letter, I was credited {$90.00}. This coming after never receiving the {$650.00} that Citibanks dispute department assured me would be issued. This was their employees mistake and the issuance of a partial credit only affirms that mistake.
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX sold this account to XXXX XXXX. XXXX XXXX hired XXXX, XXXX and XXXX XXXX XXXX XXXX to garnish {$8000.00} from my income. Approximately {$1600.00} was collected through XXXX XXXX XXXX in XXXX, Virginia through this garnishment. A payment plan was installed with XXXX XXXX and XXXX XXXX XXXX XXXX for the remaining amount to be paid in the amount of {$130.00} due on the XXXX of each month beginning XX/XX/2022. Payment plan is active and current as of XX/XX/2022.
Complaint sub-issue: Investigation took more than 30 days

I have tried to contact credit bureaus multiple times but they did not respond me back. I wrote to them earlier to remove some negative accounts reporting on my credit report. Now I may qualified to launch a complain against them that they are in violation FCRA rules and not properly investigating my disputes.
Complaint sub-issue: Attempted to collect wrong amount

In XX/XX/XXXX I ported my cellular telephone numbers to XXXX from XXXX. After I ported my numbers over my account should have been closed as I have done this in the past and my accounts had been closed. 

XXXX did not close my account, they continued billing me for additional months of service before I realized they did not close my account until I received a bill showing a very high amount owed. 

I called XXXX and disputed that I had an active account, and explained to customer service that when I transferred my phone numbers to XXXX my account with XXXX was supposed to be cancelled and I was supposed to receive I final bill which would have been for about a week of phone service. 

The customer service reps would not help and told me I had to call them to cancel service, which seems fraudulent. 

I tried to dispute the amount and asked XXXX to adjust the bill to properly reflect when my account was cancelled. They refused and said I had to pay for additional months of service when I did not have phone service. 

I then requested that a manager contact me so I could discuss with the manager further, the manager never contacted me. Instead they sent it to a collection agency that I believe was named XXXX. 

I disputed this debt with XXXX and explained the reasoning. 

As of XX/XX/XXXX I received a collection letter from a different collection agency named ERC, address of XXXX, FL XXXX The new agency did not review my past dispute of the debt to correct the issues, It is believed XXXX did not review my dispute and instead sent the debt which is not valid to another collection agency. 

The reference Number that ERC gives me for the debt is XXXX.
Complaint sub-issue: Account information incorrect

Several years ago I took out a loan from XXXX XXXX XXXX. They sold that debt to SST whom, I pay regularly. For some reason they reported that my payment was thirty days delinquent to the credit reporting agencies, and has refused to correct it.
Complaint sub-issue: Banking errors

Someone walked into a Citibank branch office in XXXX XXXX, FL and withdrew money from my account. I live in XXXX. Its been over 30 days and Citi can give me no info on the progress of their investigation and the money has not been credited back to my account. I signed and hand delivered the return to the bank as well as faxed it back and mailed a copy back. Still no solution.
Complaint sub-issue: Need information about your loan balance or loan terms

I graduated from XXXX XXXX in XXXX and since then I have worked continuously as an XXXX for the XXXX XXXX XXXX. In XX/XX/XXXX I consolidated of my Federal Student Loans ( about {$130000.00} ) through Direct Loans under the Income Contingent Repayment ( ICR ) program so that I would qualify for the Public Service Loan Forgiveness Program after 10 years of repayment. For the past 6 years I have made all of my payments faithfully. It is my understanding that the Direct Loans program was ceased and all federal student loan servicing was passed to XXXX XXXX, which was then passed to XXXX. During each transition I have continued to pay faithfully. During a routine customer service call recently with XXXX I was informed that my loans were not on the ICR program and that I would not qualify for the Public Service Loan Forgiveness program. I was told that when Direct Loans was ended and the servicing was transferred to XXXX XXXX and then to XXXX, that my loans automatically reverted to a standard repayment program. Which makes no sense at all because XXXX XXXX and XXXX ca n't possibly change the terms of my repayment program unilaterally without any sort of notice to me. You can see in the document I attached from XXXX there are highlighted references to me being an ICR borrower. In order to start to untie this mess I asked for XXXX to produce a copy of the terms of my loan and the Promissory Note from the consolidation in XX/XX/XXXX. ( Which is the promissory note that underpins my obligations. ) Numerous times XXXX customer service reps have claimed that XXXX does not have a copy of the Promissory note or the terms of the loan given in XX/XX/XXXX and that I would need to secure it from the Department of Education. As the servicer of this debt though, XXXX is required to be able to produce proof of the debt they intend to collect, right? Meanwhile the DoE is claiming that they do n't have any copies of the Promissory note  or the terms of the loan from XX/XX/XXXX and that I would need to contact XXXX. So each party is pointing the finger at the other and no one seems to actually know the terms of my debt and repayment. After contacting the XXXX office for client advocacy and trying to make headway with my case there, my loan servicer was suddenly changed again to Fedloan servicing. Then suddenly I received notice that the terms of my repayment had been altered and I was provided with a standard repayment schedule at ~6 % interest. But the notice to me had not indication concerning WHAT had actually changed and what the terms were before the change. In addition Fedloan servicing also seems to have no idea about the fact that I was under an ICR program dating back to XX/XX/XXXX. I really need some help here. Qualifying for this program could means tens of thousands of dollars if not more than one hundred thousand dollars. Please help me to untangle this mess so I can complete my payments and put this debt behind me. Thanks very much in advance for your help.
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 involve 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 is the inquiry that is reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/2019
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. USDA - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is saying the inquiries are factual when they are that and they have not provided any such proof that they are factual. 

XXXX did not delete the inquiries requested in my previous investigation.
Complaint sub-issue: Debt is not yours

I have not received any confirmation of a legal written contract with my signature, the name, phone, time, and written proof of who your person verified this account with your company. In addition, who did this person spoke at the creditor? their name, time, and phone number on how this person verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your officers. Past this point, The CFPB will have authenticated sworn testimony from my end, which I would gladly present in court, if need be as evidence of my trying to rectify the subterfuge that you are reporting. 

( copy from the Affidavit attached and as you can see if was refused ) ************
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has my Date of birth incorrect. Besides not fixing the issue after all requested data was submitted, they also never provided who- what entity provided this misinformation? It had to come from somewhere after 60 years and I have requested who exactly is reporting this date of birth and no answer has been provided. Data came from somewhere and only equifax has it incorrect. I followed the procedures : NOTICE TO CONSUMERS : You may request a description of the procedure used to determine the accuracy.. 
I AM REQUESTING THIS from the above statement within the Equifax letter. Send that, instead of a stupid 5th request for my drivers license. Send me how you determined my wrong Date of birth. 
Besides correcting the wrong information, I am entitled to know the above on the procedure. How was my DoB determined and by whom? Name the source.
Complaint sub-issue: Their investigation did not fix an error on your report

The three credit bureaus are incorrectly reporting incorrect information regarding the status of my student loan. My student loan is CURRENT and in a DEFERRED status. Additionally, I have never been late nor have a past due amount as alleged by the credit bureaus. I have written the XXXX XXXX XXXX XXXX and they have provided me with a complete payment history and current status of my student loan accounts. I have attached this as proof of my position.
Complaint sub-issue: Debt is not yours

This year during the pandemic ( Covid-19 ), I tried to dispute this alleged debt with Jefferson Capital System with the credit bureaus. The bureaus never sent me any information regarding this alleged debt so know I sent a No response back to credit bureaus and now I'm sending a Debt Validation letter to collector. Since neither debt collector nor credit bureaus have no proof that this alleged debt is mine, by law this debt as to be deleted from my credit report. Debt collector should be receiving validation letter via certified mail this first week of XXXX and now in this complaint. I shouldn't be treated like this especially during a pandemic, its hard enough out here trying to make ends meet.