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

I have several inquiries that I did not give consent to run my credit. Please remove them from my credit report I have no knowledge nor any accounts that are positively attached to them. Equifax is stating that " inquiries are a factual record on file. '' How are these inquiries factual when I have contacted the creditors and there is no account. For the more they have no knowledge of me doing business with them. I have supporting documents of proof that these creditors have requested deletion of the inquiry. Given the recent breach with equifax, they are impossible to get a hold of again. Thank you for your time and cooperation.
Complaint sub-issue: Account status incorrect

XXXX  and USBank continue to report and update this account every single month as a negative charge-off, thus purposely holding down my credit score which is not allowing me to be approved for new loans. This is considered re-aging the debt and severely hindering me.
Complaint sub-issue: Information is missing that should be on the report

I have been monitoring my credit report and notice that my credit card XXXX XXXX wasn't being reported on my Equifax credit report, but was showing up on the other 2 credit bureaus reports. It was there previously and for some reason was removed. I called XXXX XXXX first and they explained to me that they report every 30 days to all 3 bureaus and couldn't understand why it wasn't there. I then called Equifax who told me that they only get what is being reported to them and there wasn't much they could do and to call back XXXX XXXX. I did my research and looked back to when I purchased 3- bureaus reports through XXXX. In XXXX of XXXX  my XXXX XXXX card was reporting to Equifax as well as the other 2 bureaus. In XXXX of XXXX  it was gone from Equifax for whatever the reason but still reporting to the other 2 credit bureaus. It hasn't been on my Equifax report since and it's effecting my credit score without the positive payment history I have with that credit card over that time frame. It wasn't until i was getting my credit together to try to purchase a house did I notice this vital information missing from Equifax, especially being I just paid the card down and was looking for the results on my credit reports.
Complaint sub-issue: Debt is not yours

This will be my 3rd complaint regarding Grant & Weber. Ive requested debt validation 3 times, the 1st time they sent a list of itemized charges, the 2nd time they sent a letter stating what they sent me the 1st time and this last time they have CLEARLY VIOLATED MY HIPPA RIGHTS. They sent copies of paperwork with my medical information plastered all over it! My medical record numbers, my SSN, and other very important medical information. This is clear violation of the HIPPA law. I did not consent for Grant & Weber go obtain any of my medical records at all and I will be filing a HIPPA complaint and Im willing to sue if necessary to the fullest extent of the law.
Complaint sub-issue: Debt was paid

In approximately XXXX I accrued a debt issued from XXXX. I had received information at around XXXX through a third party XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX ). I had settled with them XXXX XXXX account XXXX XXXX XXXX XXXX on XXXX, where it was established that this account was removed from my credit reports with the three majors. The original debt was not removed. It was then sent to ERC XXXX XXXX XXXX XXXX, FL XXXX and once again paid in full on XXXX with confirmation on XXXX. It still remained on my credit reports, this time through ERC. Then of XXXX XXXX I had seen a reduction in my credit score once again associated with ERC and XXXX. I once again settled and resolved. No removal was issued, no refund because the account was already settled with XXXX XXXX Services, and still this account is reflecting negatively on my report. Account reference numbers for ERC are XXXX. The account was paid the third time with ERC on XXXX XXXX. Once again, this still stands on all three major credit reports of mine through XXXX and ERC, after already being resolved yet never removed through XXXX XXXX XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I obtained my written credit report from XXXX. On XX/XX/21 I sent them a Letter stating that under the fair credit reporting act, section 609 I was requesting further information on 8 negative entries including copies of the original contract or service agreement. They are now sending me dispute updates via email simply saying that the creditor had verified the information as accurate and they are refusing to supply me with these copies of the original contract or service agreement for any on the items and have not removed them from my report.
Complaint sub-issue: Confusing or misleading advertising about the credit card

Citibank Bestbuy card does not update balances every evening or in most case not within 2 days. I believe this is to confuse customers on billing and actual balances for larger interest charges. 

It's 2022 transactions are instant. 

Ty, Just not trusting this company when I make payments and do not see balance go down after day or two.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have a 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.
Complaint sub-issue: Their investigation did not fix an error on your report

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Please investigate these accounts immediately.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

I received multiple phone calls from someone saying I will be at your door if you do not answer the phone in XXXX. 

After researching UHG I LLC, I found that a company named XXXX XXXX XXXX share the same mailing address. 

I discovered XXXX XXXX XXXX has numerous XXXX   complaints against alleging similar, if not the same exact tactics that were used toward me. 

I am under the impression that UHG I LLC ( United Holding Group ) contacted me in XXXX and violated the Fair Debt Collection Practices Act in the same manner. 

I have never done business with either of these companies and I have no debt with them. I believe the public should be made aware of their illegal communication tactics either past or present which is why I am filing this complaint.
Complaint sub-issue: Information belongs to someone else

i came apon checking my credit for accuracy and found out my personal information has been used to open medical acounts and other accounts of some sort without my permission I was advised to fill out this form
Complaint sub-issue: Problem using a debit or ATM card

Us Bank Reliacard for PA PUA unemployment has on numerous occasions frozen my card without proper notification as well as emptied my account for XXXX on XX/XX/XXXX and supposedly sent a check for that amount, which I never authorized or requested to begin with, and I never got that check. They froze my card without notifying me from XXXX until XXXX so I could not access my funds which PUA PA Unemployment was adding my weekly benefits to every week. However USBank Reliacard would not let me access those funds. They told me I had to send in verification that I was indeed XXXX XXXX which I did numerous times. Then when they finally unfroze my card with in a week they then took all my money out of the account and put it in above referenced check that I never received that was on XX/XX/XXXX and they have still not fixed the issue or reimbursed me the money. Then yesterday 2 days before XXXX they once again froze my card without notification when I finally did get ahold of a representative they said I needed to once again verify my identity. They have caused me to get evicted from my home, gave me no type of reimbursement for money they stole out of my account. Now I once again can not access my money and they still have not sent me my XXXX that been missing since XXXX. I have not been able to pay my bills buy groceries get basic necessities all during a pandemic. They should be ashamed of the way they conduct business and should be shut down. They steal from vulnerable good people and do nothing to correct it.
Complaint sub-issue: Reporting company used your report improperly

This is NOT a duplicate report and this is not filed by a 3rd party or XXXX XXXX XXXX. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights according to 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. 

Please delete these accounts from my credit report. 

XXXX. Account Name XXXX XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX  XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX  XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX  Account # XXXX XXXX. Account Name : XXXX XXXX XXXX Account # XXXX XXXX. Account Name : XXXX XXXX XXXX # XXXX Account # XXXX  7. Account Name : XXXX XXXX  Account # XXXX
Complaint sub-issue: Account status incorrect

I have been approved for the forbearance under care act due to the impacted of covid 19 financial hardship, the approval is for the length from XX/XX/XXXX to XX/XX/XXXX, and I made payment for the month of XXXX and XX/XX/XXXX, However I have reviewed my credit report and noticed that Loancare has reported to credit bureau that I was late for more than 90 days for the months that I was approved for the forbearance and 30 days late for the month of XXXX and XXXX, I have filed a dispute However Loancare has not made any correction, this error has cost my credit score decrease so many points, please help since I can not contact Loancare.
Complaint sub-issue: Information belongs to someone else

I don't recognize this account. I have never applied for this. i'm not responsible for this debt. I have no contracts or agreements with this company.
Complaint sub-issue: Information belongs to someone else

It has been a battle going through this and I am submitting this CFPB Complaint to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information shown on my credit report. I, therefore, request that you immediately remove this information from my credit report with your firm pursuant of the FCRA XXXX XXXX. By the provisions of the FCRA XXXX XXXX, I am requesting to delete the following fraudulent items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX dated XX/XX/XXXXXXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry dated XX/XX/XXXX
Complaint sub-issue: Old information reappears or never goes away

I checked my report for accuracy and saw an account for XXXX XXXX XXXX for Original creditor : XXXX XXXX in the amount of {$310.00} for an account opened in XXXX. This is a very old debt that should not be reporting. The Fair Credit Debt Reporting Act states debt should report for a max of 7 years only. The collection was opened XX/XX/XXXX and it is XX/XX/XXXX. The XXXX date for this account is XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting fraudulent inquiries from XXXX XXXX on my credit file and refusing to investigate them correctly to remove them from my report
Complaint sub-issue: Debt was paid

I reached out to EOS CCA after receiving a settlement letter claiming if I made arrangements to pay my debt in full they would remove the collection from all three of the credit bureaus. My initial conversation was in XX/XX/2022. Monthly payments were then made XXXX to XX/XX/2022. I sent a letter after 45 days requesting the collection be removed from the bureaus and nothing has been done. I requested that they listen to the taped recordings where I was told this would happen. I was told they would and to call XXXX in a few days where a supervisor would assist. I have been in a customer service and supervisor loop ever since. Collection agencies can't make promises to customers and then not adhere to them. If I hadn't kept my word and made all payments there would be some legal recourse. These rules should be the same for them. All I want is for them to remove it from my credit reports immediately.
Complaint sub-issue: Information is missing that should be on the report

My score was drop to the lowest because of a problem on the Equifax. There are two reports saying two different things. On the page labeled changes it has dropped my credit score down over 500 points, but on the page labeled Factor it said the account is still there in good standings
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I requested that XXXX remove several unauthorized inquiries from my credit report. I made them aware that I had no knowledge of the inquiries. I spoke with a supervisor at XXXX on XX/XX/XXXX ( XXXX XXXX ) who refused to remove the inquiries. The inquiries were made on various dates and are listed below XXXX XXXX-XX/XX/XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX- XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX
Complaint sub-issue: Didn't receive terms that were advertised

In XX/XX/2020, I received an invitation from Citi to open a money market account. It stated that if I was to open this account, and deposit {$50000.00}, I would be eligible for a {$700.00} bonus offer. After receiving this offer, I applied and opened the account. I never received any sort of confirmation that this account was opened successfully. 

I then called and spoke with various customer service representatives who all confirmed my eligibility for this promotion. To make a long story short, after I made my deposit, I received a notice stating that I wasn't eligible since I had an account with them in the past. 

I have tried multiple times to resolve this issue with Citi, even escalating it to their " executive division ''. Their last correspondence to me states that they " reviewed my telephone interaction with the agents and confirm that they confirmed eligibility '', however, they are still standing with their decision not to honor the bonus. I believe this to be a complete bait and switch. 

I have attached my last letter to them ( dated XX/XX/XXXX ) and their response to me XXXX dated XX/XX/XXXX )
Complaint sub-issue: Information belongs to someone else

I have filed my complaint in XX/XX/2021 I never received any response back or any of the requested legal documentation. Please be advised that I am filing a complaint with both CFPB AND FTC. THIS WHOLE ISSUE IS STOPING ME FROM CLOSING ON MY NEW HOME! 
The account listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX
Complaint sub-issue: Trouble with how payments are being handled

PNC Bank owns my private bar examination loans obtained in XXXX. In XXXX, I filed for XXXX  XXXX bankruptcy. The servicer XXXX XXXX was listed as a creditor and received notice. XXXX XXXX resumed collections on my account after the bankruptcy, and I relied on their inaccurate position that I was still obligated to repay this " student loan '' despite my XXXX  XXXX discharge. Since then I've read XXXX XXXX XXXX and have come to understand that these private bar exam loans are not in fact student loans and don't have the same protections offered to student loans. These were private consumer loans discharged in my XXXX XXXX  without the need for an adversary proceeding in that 1 ) they were not used to attend an eligible education institution, 2 ) were not used to pay for school attendance, 3 ) were not for a course of study leading to a degree ( I already had my degree ), and 4 ) notice was provided to the servicer. 
Servicing of these loans was transferred to XXXX in XXXX XXXX has continued collecting on these loans ever since. After reading the CFPB post about busting bankruptcy myths, I contacted XXXX to ensure they were notified about my XXXX  XXXX and to resolve the matter. I provided the bankruptcy records at least twice, including the petition and the discharge records. XXXX acknowledges I filed for bankruptcy but fails to acknowledge my private bar exam loans were discharged. 
The matter was escalated to PNC Bank. Representative XXXX XXXX would only speak to me by telephone and repeatedly failed to recognize my requests to communicate via email ( he would only try to set up calls ). I have a XXXX injury from an XXXX accident and am currently on XXXX leave, and I requested a XXXX accommodation to communicate in writing, to no avail. This was in XXXX. I contacted PNC via XXXX and was assured I would be connected with someone who would communicate in writing. Instead they had XXXX XXXX contact me again to try to set up a phone call. I went back to PNC via XXXX and they had XXXX XXXX email me. However, XXXX XXXX insisted I send all records via US mail. I informed XXXX XXXX that the servicer already has the records and I provided my XXXX account # XXXX and noted the account is under my maiden name XXXX XXXX XXXX. I sent that email XX/XX/XXXX and have not received a response. 
I ask for the CFPB 's assistance in this matter.
Complaint sub-issue: Information belongs to someone else

Hello, I am writing to you in order to let you know that I do not know why I have this item in my credit report, I do not recognize it. I think somebody stole my personal information and I am a victim of identity theft. I kindly asking you to remove this account as soon as possible.
Complaint sub-issue: Privacy issues

Discover XXXX XXXX has called my partner now my father over a dozen times over my account. I have spoken to them about this issue but to call someone over a dozen times ; XX/XX/2021, about another persons account is harassment. I have told them that I only have one phone number and confirmed that I can only be reached at that phone number. For Discover XXXX XXXX to call someone who is not the account holder over a dozen times in one day is absurd.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$1100.00} ; XXXX XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$710.00} ; XXXX XXXX XXXX XXXX XXXXX Opened XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX ) XXXX Opened : XXXX XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent three rounds of dispute letters to Equifax in the months of XXXX through XXXX each time I asked them to validate these medical accounts but they never did as a result they're telling me they're no longer investigating on this matter.