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

Beginning in XXXX 2016 I began the process of fixing errors present on my credit report with Equifax, XXXX, and XXXX. 

Each of these companies has sent back correspondents and has corrected some of the errors and has left a majority of them stating the same 2 responses : 1 ) We verified that this item belongs to you. 

or 2 ) Information on this item has been updated. 

Here are all the creditors that are reporting inaccurately on this credit report : Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX, XXXX Creditor : XXXX XXXX XXXX XXXX. 

Creditor : XXXX XXXX Creditor : XXXX XXXX Creditor : XXXX Creditor : XXXX XXXX  XXXX Creditor XXXX XXXX Creditor : XXXX XXXX XXXX XXXX Equifax has deleted XXXX XXXX and XXXX XXXX XXXX XXXX XXXX has deleted XXXX XXXX XXXX XXXX has deleted no inaccuracies
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There was a hard credit pull on my credit report that I didn't authorize on XX/XX/2022 from : Discover Financial Services ( Finance ) ( XXXX ) XXXX The number listed a few days ago was ( XXXX ) XXXX and it's an automated call for XXXX  XXXX and ultimately hangs up on you. 
Somehow I called this exact number by accident on XX/XX/XXXX and heard the exact hearing aid message and then there was a hard credit pull on me. 
I have called discover financial and they never heard of me. 
I have frozen my credit and seriously hope that someone hasn't opened a line of credit in my name.
Complaint sub-issue: Didn't receive advertised or promotional terms

On XXXX Discover Card offered a zero percent interest rate on all purchases for 12 months. I've been a customer of Discover since 1996. I only use this card once a year to keep my account open, due to high interest rates. Upon receiving the promotional 0 % APR, I commensed to charge on the card. Over XXXX XXXX dollars were charge under the impression that it would be a 0 % APR. Upon receiving my next statement, the normal 11.99 % interest charge was still in place. I called to inquire and was told that in addition to activating the card, I had to call a different number ( not provided ) in order to activate the new interest rate. Discover was willing to activate the 0 % interest rate on any future charges, but the balance would still have 11.99 %. This is a deceptive practice and false advertising. Please help me.
Complaint sub-issue: Their investigation did not fix an error on your report

the better business bureau referred me to CFPB because the problem goes back to  XXXX . Equifax refuse to correct my credit report and score, my credit score was  XXXX  in  XXXX  and it remains about the same to date. I paid off an SUV in  XXXX , paid as agreed never late, Equifax reported it for a while and then dropped the report but keep the score the same,  XXXX . It is my understanding that the report is to stay on your report fo r ten  years, I contacted the credit grantor and they said they would report the credit file to Equifax but to date, my score has not changed.   I want Equifax to report the file for the SUV purchased in  XXXX  thereby extending my credit history to  XXXX  and not  XXXX .   I have contacted several times with the same result, no change in my credit score, I need help!
Complaint sub-issue: Information belongs to someone else

I have been checking my credit for accuracy and found accounts in my credit profile that I did not authorize, I think they are fraudulent, a list of these account are contained in this report.
Complaint sub-issue: Debt is not yours

I used to have a bank account with Simple, a XXXX  company that combined banking with extremely useful budgeting tools. 
Year over year, Simple ran a deficit of $ XXXX and were unable to keep their doors open. As a result, BBVA ended up buying them out, and several months later PNC bought BBVA out. 

PNC is claiming that I had a balance owed of {$100.00}. Not only was it impossible to carry a negative balance on Simple, once BBVA bought them out **I did not touch the resulting account/s, assuming that it would close on its own. ** PNC has willingly engaged in submitting fraudulent collections claims on my person, presumably because they realize they made a terrible financial decision by buying BBVA. 
They need to be held responsible to the fullest extent of the law. You do not pass off your poor financial decisions on the customers you acquired in bad faith.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.
Complaint sub-issue: Account status incorrect

I am missing the following payments regarding my VA mortgage loan as well attaching screenshot regarding Equifax once again has inaccurate information that my property has recently been in a natural disaster within the past week. I have again contacted FEMA and my homeowner 's insurance company in which they stated should not have been submitted because this is false information. They are now as well both involved since this continues showing up by the person behind the computer screen at your company intentionally adding this after each CFPB complaint that I file. 
The following months are missing on my credit report in which I have the signed and cash checks by your company : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. 
I was told via tape conversations you may want to pull through your company that after forbearance. All payments would be submitted that are missing for the year XX/XX/XXXX. You now tell me that if you submit the payments you will mark them as late however I was not told they will be marked as late since XXXX XXXX misguided me at the beginning of this entire process. How am I to do as XXXX XXXX stated refinance my home when my personal bank XXXX XXXX needs to show that my credit report matches the payment history you submitted to me via email late last week there are missing payments 13 as of today with the credit bureaus. 
On one bureau report there are payments that were being reported during the forbearance. Yet on another Bureau report there are not. Regardless natural disaster is a false report an allegation that needs to be removed immediately off of Equifax and any other Bureau at the person behind the computer screen submitted the report. I also need missing payments reported and I'm not talkin late payments because I have been miss guided through this entire process while your representative XXXX XXXX almost 18 months ago. It was your company that was an admittance that XXXX XXXX misguided me and remove me from forbearance I'm making my last payment and removing forbearance from the loan.
Complaint sub-issue: Debt resulted from identity theft

On XX/XX/2016 I was informed by XXXX XXXX, the Director of Efficiency, Compliance and Privacy at XXXX XXXX XXXX, XXXX that a debt that was placed with the firm, Americollect, INC would be removed from my consumer credit reports. It has not been removed by Americollect, INC.
Complaint sub-issue: Public record

There is a judgment on my credit report which does not reflect as being satisfied. To date, XXXX and XXXX have completely removed the judgement from my file. However, Equifax has not removed this from my credit file although the judgment has been satisfied.
Complaint sub-issue: Personal information incorrect

Equifax has my married name on my report, yet I have requested that to be changed several times. The response to this action is that creditors are allowed to change this information at their discretion. As well, there are phone numbers on my file that do not belong to me as well as debts on my  XXXX  file that have been cleared with all other reporting agencies. My goal is to have all of my credit reports consistent with the proper information during the process of repair, which I am currently engaged in. I have experienced issues in accessing my account online as well as dispute claims not being addressed within the proper time limits.
Complaint sub-issue: Frequent or repeated calls

I tried to work with the credit card company Discover, but they wouldn't work with me on what I could afford due to not working while fighting XXXX, now they call me from some bogus phone number and want me to call them, they call me every single day at least once sometimes several times. I've told them that my situation hasn't changed and that as soon as I can do something to begin payments I will contact them but they are still calling every single day.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 60 days so they should be removed expeditiously. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got in the hands of the wrong person.
Complaint sub-issue: Don't agree with the fees charged

According to Earnest, " Earnest updates rates on the first of the month, according to the 1-month LIBOR figure published on the XXXX of the prior month in the XXXX XXXX XXXX. '' XXXX XXXX XXXX However, the interest rates I am being charged on my variable loan do not at all correspond to changes in LIBOR. 

Earnest has calculated my interest rates as follows : Start Date End Date Interest Rate XX/XX/XXXX XX/XX/XXXX 5.400 % XX/XX/XXXX XX/XX/XXXX 5.430 % XX/XX/XXXX XX/XX/XXXX 5.610 % XX/XX/XXXX XX/XX/XXXX 5.590 % XX/XX/XXXX XX/XX/XXXX 5.600 % XX/XX/XXXX XX/XX/XXXX 5.590 % XX/XX/XXXX XX/XX/XXXX 5.530 % XX/XX/XXXX XX/XX/XXXX 5.510 % XX/XX/XXXX XX/XX/XXXX 5.370 % XX/XX/XXXX XX/XX/XXXX 5.240 % However, the published rates for LIBOR on the XXXX of each month, or the next business day are as follows : XX/XX/XXXX - 2.52 XX/XX/XXXX - 2.5 ( -.02 ) XX/XX/XXXX - 2.48 ( -.02 ) XX/XX/XXXX - 2.49 ( .01 ) XX/XX/XXXX - 2.48 ( -.01 ) XX/XX/XXXX - 2.43 ( -.05 ) XX/XX/XXXX - 2.40 ( -.03 ) XX/XX/XXXX - 2.24 ( -.16 ) XX/XX/XXXX - 2.12 (  -.12 ) Based on the published LIBOR rates, my interest rates should have been : XX/XX/XXXX - 5.61 XX/XX/XXXX - 5.59 ( -.02 ) XX/XX/XXXX- 5.57 ( -.02 ) XX/XX/XXXX - 5.58 ( -.01 ) XX/XX/XXXX - 5.57 ( -.01 ) XX/XX/XXXX - 5.52 ( -.05 ) XX/XX/XXXX - 5.49 ( -.03 ) XX/XX/XXXX - 5.33 ( -.16 ) XX/XX/XXXX - 5.21 ( -.12 ) I have contacted Earnest numerous times asking for an explanation of the discrepancy and have yet to receive any meaningful response.
Complaint sub-issue: Received marketing offer after opted out

The credit reporting agency did not receive my permission to report my personal information. They have also failed to verify contracts between the alleged creditors and myself. This is in violation of Section 609 of the Fair Credit Reporting Act.
Complaint sub-issue: Information belongs to someone else

I reviewed my credit report and I was a victim of identity theft.I wanted to make sure that this account was valid so I disputed this information on a number of occasions. I have had a Conns account before but that was in XXXX and it was paid in full.An account was still showing up after I disputed the information as valid. So I called the number that was on my credit report. When calling that number I talked to a XXXX Named XXXX operator XXXX. I wanted to make sure the information reporting was truly my debt or part of identify theft. When calling they told me that the name that was used was not my name. They used a different name. It was also at an address that I never resided in. He also told me that the debt was sold back on XXXX To a XXXX XXXX. I then asked him why did is show up on my credit report as conns. If the debt was sold how was if verified? He stated he did n't know that in his system they could not verify anything because they have nothing in their system but basic info.
Complaint sub-issue: Public record

In XXXX of XXXX the IRS filed a tax lien against a Condo I own. The taxes owed were not owed by me, and were in dispute. 

I settled the tax matter with the IRS, and the Lien was removed from my property. XXXX has removed the public record from my consumer credit file. 
Equifax has not corrected the entry. I have disputed the item with them two times. They have NOT changed the status or amount. So it looks like I still owe {$17000.00}. 
When I applied to refinance my Mortgage I was declined due to the outstanding federal tax lien. Which has had a zero balance. Attached is a copy of the notice from the IRS showing the Lien was Released on XXXX XXXX, XXXX
Complaint sub-issue: Can't close your account

I attempted to first close my Citi Bank credit card online and was not able to do so. I kept getting the message to contact us. This is usually an attempt to high pressure you into keeping the card. I am no longer interested and keeping the card I wanted it to state closed as XXXX by customer on my credit report. My first call to an female rep. is where she hung up on me pretending to have a bad connection or something. I hung up and called again. This time I got an male, I explained I would like to close my account. He than went into a song and dance, he needed this and that. Asking the name of my pet! I do not have a pet all this I guess, for security reasons. I have never been through anything of this nature trying to close an account in good standing. In my heart of hearts, I believe it was a build up to pressure me to keep the card. I would like help in closing the credit card and I really do not care to deal with these people again. i will pay the balance off as fast as possible. Thank you for you help.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

This company, Velo law did not properly serve me a summons. The summons was left with a family friend and was not signed for and the officer ( or person she described dressed in a police officer uniform ) told her that I didnt not come get the packet from her as soon as possible and respond I could be going to jail and its possible I already I have warrant out for my arrest. I immediately called this agency to try to handle this and I was advised that I first had to pay for them serving me before anything could be handled and they also needed a financial statement from me. Also the amounts they are suing for are incorrect. Also the original creditor says another company holds the debt. The place they claimed they served me is not where I live its just my mailing address. I was not there and did not receive the summons nor was it signed for
Complaint sub-issue: Account information incorrect

Equifax is showing a balance of {$350.00} reporting to my credit report it should be {$190.00} with 3 missed payments it is not the same with the other credit bureau under the federal trade commission all three must be reporting accuracy on all three an according to 15 USC 1666b A creditor can not treat a payment on a credit account under an open end consumer credit plan as late for any purpose as well you are in violation of 15 USC 1681 Section 602 that states I have the rights to privacy in which you have not been practicing. you did not get my written consent to furnish late payments nor this account on my consumer credit which make you in violation of 1681 Section 604a.
Complaint sub-issue: Funds not handled or disbursed as instructed

I have a Health Savings Account ( HSA ) with Optum XXXX On XX/XX/2022 I received a reimbursement check from my medical insurance company that I had used my HSA to pay for. Understanding that money taken out of my HSA must only be used for medical expenses I called Optum XXXX  to ask how I could deposit the refund into my account. The first woman I spoke with advised me that I should just deposit the money into my personal account and keep it. I advised her this would be fraud, and only then did she give me a XXXX XXXX XXXX mail a personal check to. On that same day ( XX/XX/2022 ) I mailed a personal check for the total amount of {$320.00} to Optum XXXX XXXX claim department : ( Attn : Claims Department, XXXX XXXX XXXX XXXX, FL XXXX ). The check was not cashed until XX/XX/2022. After the check was cashed I continued to wait for the funds to show up in my HSA. It wasn't until XX/XX/2022 that {$200.00} showed up in my account. I have called Optum XXXX at least 6 times regarding this matter. I have attempted to use their " callback '' option on at least two other occasions and never received a return call. I would like to know where the {$120.00} is. No one can locate that money and Optum XXXX does not seem to care.
Complaint sub-issue: Didn't receive services that were advertised

In XX/XX/XXXX a person claiming to me bought a car at CarMax in XXXX, FL. I did not know of this until XX/XX/XXXX when I was notified of an eviction from an apartment lease. Once finding out that my identity had been stolen I immediately filed an FTC report and notified the XXXX Police Dept. Since this time I have contacted all three credit reporting agencies to dispute the accounts as not mine based on identity theft, but Carmax always veririfies the information. 



Attached is my FTC Report.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

i got phone from XXXX in XX/XX/XXXX, i lost that phone and then got a new one under my moms name. these people kept harassing me calling me and sending me mails to my home, it was under the name of another company and then they put that on my credit and my credit went down by a lot of point, i disputed this with XXXX and then took it out of my credit and it was no longer there, then on XX/XX/XXXX i see this again on my credit and my credit went down by 52 points!! this is unbelievable and its a bother company with a new name!! this was in XX/XX/XXXX and they keep harassing me!! im tired it took me a year to get my credit to XXXX points and these people keep playing with my credit. i spoke to XXXX and they said they dont know why these people keep doing this to me
Complaint sub-issue: Was not notified of investigation status or results

I haven't got responses from the credit bureaus despite of multiple dispute letters I sent for these accounts : XXXX XXXX Account # : XXXX | XXXX XXXX  Account # : XXXX
Complaint sub-issue: Report improperly shared by CRC

I have been fighting with equifax for quite some time to get my credit report straight. Other than my open accounts i have applied for NO credit anywhere as my wife and i prepare to purchase our fist home. I have filed a complaint with the XXXX and there response what that people do n't need my permission to run my credit. This is inaccurate and these fraudulent inquiries are messing up what would be a good credit profile. All recent requests for my credit are fraudulent and i request that they be removed. You can see on my report the accounts that are open and in my name because i pay them monthly. However i have not seeked new credit. Please help me in getting transuion to remove these several inquiries off of my report that are fraudulent so that i may continue on the road of preparing to purchase my first home. As a Vet and XXXX XXXX XXXX it sickens me that i have to go through all these channels just to get my credit report accurate because the agencies refuse to do anything. All they do is call the creditor and say " did you get a request for credit '' and i assume they say yet and this makes it a valid inquiry? NO i do n't think so, because anyone could call and say they are me and if it is not me i do n't want to be penalized for it. Again my only complaint is that most all of the inquires on my report are wrong. Please help me get them removed.
Complaint sub-issue: Deposits and withdrawals

I signed up for Citi new checking account promotion that stated you needed {$50000.00} for 3 months and receive {$700.00}. After 5 months, I called several times and finally was told that they will not honor the promotion and tried to say it wasn't targeted at me??? At the time, I called and spoke with a representative from Citi bank who assisted me in setting up the account under false pretenses. 
Then when I tried closing the account, they wanted to charge me to get my funds back. This is outright false advertising and criminal behavior. Citi bank should be ashamed of themselves. Hopefully, you can warn people of their predatory practices and lack of honor in backing their promotions. This is my first time filing a complaint. Thank you for listening!
Complaint sub-issue: Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$8900.00} XXXX XXXX XXXXXXXX Balance : {$5600.00} XXXX XXXX XXXXXXXX Balance XXXX {$6200.00} XXXX  XXXX Balance : {$4200.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$6600.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Complaint sub-issue: Investigation took more than 30 days

This is in response to a notice that I received from that the CFPB stating my claim had been closed due to you felt my complaint did not come from me. I feel that this is another attack on my character by your company. 1st you report information on my credit report that is clearly false. 2nd when I do send in a complaint to your company to notify you of the incorrect, inaccurate, and incomplete information you are reporting on my credit report you totally blow me off and don't respond. 3rd then you state my complaint is not from me. I truly feel like your company is personally trying to attack my character and also ruin my life. You have caused me nothing by mental, physical and emotional stress, and if this matter is not resolved I will be forced to not only report this issue to the CFPB but also my States AG 's office as well as the FTC and XXXX 

My complaint is once again that you are reporting misleading, incorrect, false, and unverifiable information on my credit report. The date of my 1st letter was XX/XX/21 ; and to date you have failed to complete your investigation and correct the incorrect information with in timeframe set forth by the fair credit reporting act. 

I demand you conclude your investigation by deleting the items in question and sending me a free copy of my credit reporting showing the changes have been made.