Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Seized or attempted to seize your property

I received a letter dated XX/XX/2022 from XXXX XXXX XXXX XXXX XXXX XXXX with the verbiage " BE ADVISED THAT UNDER FEDERAL, THIS LAW FIRM MAYBE DEEMED A DEBT COLLECTOR. ANY INFORMATION OBAINT MAY BE USED FOR THE PURPOSE OF COLLECTING A DEBT. '' This statement is misleading and misrepresentation of Federal Law. This is decpetive practices. A debt collector must be up front and say whether or not they are a debt collector. Pursuant to Title 15 of the FDCPA there is no such thing as an attorney. I don't have a contract with the hotel. A. drew XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX is using my personal private property to trade, pledge, bargain, sell exchagne, collect, compensate and receive unjust enrichments with my CONSENT. You can my name on your document without my permission is a violation. That is ALSO IDENTITY THEFRT This is a federal XXXX Threaten to seize my property on XX/XX/2022. This is also a violation of Federal law.
Complaint sub-issue: Reporting company used your report improperly

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Personal information incorrect

Dear CFPB, My name is XXXX XXXX XXXX. 


I have been dealing with Equifax for almost a year trying to correct an error with my name. 

I have again, and again, and again, try to correct an error in my report with Equifax. They have me listed as XXXX XXXX XXXX! 

My name is NOT XXXX XXXX XXXX! 

My name is XXXX XXXX XXXX!. 


A few weeks ago I spoke with an Equifax employee who claimed to be a supervisor, but was clearly lying, as they will do anything to keep from getting there contacting a supervisor tally up. 

The poorly trained rap did not speak enough English to do their XXXX job, which is messing up my XXXX life. It is literally keeping me from being able to get credit or get a mortgage. 

This lying, poorly trained, poorly English-speaking rep actually deleted my proper name from the report when I had told her the Erroneous name is XXXX XXXX XXXX! 

THEY DELETED XXXX XXXX XXXX. 

AND KEPT THE WRONG XXXX XXXX XXXX!!! 


Please help me!!! 

This has not been resolved for over a XXXX year and they have now made the XXXX insane mistake, a staff member that was clearly not a true supervisor. 


Attached is a copy of their investigation report showing the insanely XXXX mistake they have made XXXX up my life!!!
Complaint sub-issue: Information belongs to someone else

I am submitting this complaint in regards to an account reporting on my XXXX and XXXX credit report. I have been disputing this account for months now. Equifax has deleted it from my report. There is an account ... .XXXX XXXX XXXX that has fraudulant charges on it from over 2 years ago. I have requested that XXXX and XXXX please delete this account off my report as it is causing me hardship with my credit score. I was told they will not re-dispute this information unless I have a police report or further documentation to provide. I plan on going down to the police station to file this identity theft report this week. However after legal advise I sought I was informed that I can request to have this account blocked from my file for other creditors not to see in the meantime. I spoke with experian the other day and was told they now will re-dispute it and try and block it and or delete it but I must allow 30 days again. I want this account blocked from my credit reports because I am being penalized for something I did not do.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$5400.00}, {$8500.00}, {$13000.00}, {$0.00}, {$1100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Complaint sub-issue: Banking errors

On XX/XX/2019 Synovus completed its purchase of FCB Financial Holdings. I used to have an account at FCB, which I promptly closed ahead of the merger completion date. I've never been a customer of Synovus, neither do I want to be. I have received multiple emails from Synovus that just won't stop and they have no opt out link in them. I have reached out to the local President of Synovus on several occasions ( one of the emails was a welcome letter from him ) asking to be removed from the email spam. 

Today, XX/XX/XXXX at XXXX I received another email from Synovus informing me of customer wait times longer than normal. I don't care : I'm not a customer. Any emails from Synovus sent to me at XXXX must stop immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( Equifax, XXXX, XXXX ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Complaint sub-issue: You never received your bill or did not know a payment was due

last month on or around XX/XX/XXXX we went to make the payment which normally had been due on the XX/XX/XXXX for XXXX and we were late on the payment for XX/XX/XXXX from a 2 week off period with no check. Citibank normally will add  some to the payment but it was XXXX and when we went to livechat the woman harassed us and said this would be the payment from now on starting in XX/XX/XXXX without even asking why it had been late. She was unwilling to listen and harassed me and I am XXXX and do the bills for my wife. Now when I went to pay today it had the full amount of over 2000 on the payment. Home depot has been running a hidden promotion with no notice anywhere in the store that if you spend over XXXX it automatically is a promotion and nothing said or posted anywhere about their new hidden scam being shown. The rep was unwilling to work with us to have the payment the same as before and was very hostile so I cut the chat. We want an audit and investigation into their hidden promotions and these btw are illegal and showed up 3 months after the purchase was made in our online payment. Also we are suppose to get a paper bill in the mail each month and they haven't sent one in over 6 months. The payment date is the XX/XX/XXXX and this rep decided to say it was due on the XX/XX/XXXX with no prior notification of the change or authorization or paper bill sent to us informing us of the change.
Complaint sub-issue: Reporting company used your report improperly

By the Fair Credit Reporting Act, XXXX XXXXXXXX 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Complaint sub-issue: Attempted to collect wrong amount

During my subscription to XXXX XXXX a wireless network router had been installed onto my system package without my consent. Soon thereafter, a series of movies on XXXX suddenly appeared, ranging in price from : XXXX to XXXX. Customer support informed me that I was liable for the charges regardless. The time stamps for the movies were seconds/minutes apart ; nevertheless the support manager insisted that the time stamps were irrelevant. 
I had suddenly became a victim of extortion by the XXXX XXXX company.
Complaint sub-issue: Reporting company used your report improperly

Equifax 's data breach exposed my personal information. I am filing this complaint as I am upset that Equifax did not reach out and notify those affected ; they report the breach ended in XXXX. It 's XXXX. Additionally, I would like to know what types of my information was hacked. For example, did it include my driver 's license number, social security number, etc. As consumers whose information was taken fraudulently, we are entitled to know what information that consisted of. Very disappointed in the lack of transparency and assistance by the company at this stage. Also disappointed that in an effort to check if I was impacted, there is a clause built in to the process that prohibits you from seeking legal action against the company going forward. Dishonest business.
Complaint sub-issue: Can't get other flexible options for repaying your loan

I have contacted the American Education Services and spoke with 3 separate representatives to try and receive help on lowering my high repayment amount before it fell past due ( {$420.00} ). The first representative told me I need to apply for a Loan Modification application to be approved but I had to pay {$25.00}. Once I did that they could not provide me with a confirmation number or any information. They kept telling me someone will get in contact with me, they didnt have the information. So I tried to speak to another rep that same day, who told me that they saw the notes on my account and the last representative did not process the request correctly and that I would be denied because my account was current. I needed to wait until it was past due and contact a different servicer they use to apply. So I waited 3 days past due date, called the number they provided and was told they dont service that loan and had to contact American Education Services again for the correct information. So on XX/XX/2021 I contacted AES for the 3rd time, asked of the Coranado contact information and was told they dont have a number for them but they are able to process request but because I was previously denied she wouldnt be able to do it again. She proceeded to tell me I can look up their contact information myself because she didnt have it. So I spoked with 3 reps that all said 3 different things, and am now left with a late payment that will go on my credit and no options for help too at bare minimum lower the payment amount. 

Furthermore I would like to address that this loan is from The XXXX XXXX XXXX XXXX that is no longer open ( my degree is no longer valid ) this school was sued by the US Government and want to seek help on if there is an option to discharge this loan.
Complaint sub-issue: Deposits and withdrawals

BBVA USA was purchased by PNC Bank. Over the weekend starting Friday XXXX of XXXX they were supposed to migrate accounts, making them available again via the online banking platform by Tuesday XXXX XXXX. This process was a complete disaster. As of today XX/XX/14 at XXXX PM my accounts are not linked in online banking making it near impossible to transfer funds quickly between my business accounts. Their advice has been to go into the branch to make the transfer. Their branches are swamped and just like any other business owner I don't have time to go to a branch for this. At this point payroll will be impacted due to the banks indifference. 

PNC were aware of this problem ( with accounts for clients with multiple EINs ) before the go live, but proceeded anyway, assuming that it was OK to prevent customers from accessing their funds in a timely manner. During the period since the transfer it has been near impossible to communicate with anyone at the bank. While my banker has tried to be supportive their phone lines leave you on hold for over an hour before abruptly hanging up. Their team has made claims on XXXX that they are contacting people by private message, they are not. PNC 's transition of these accounts has been a disaster, senior management decided to proceed with the transition despite knowing of issues their customers would experience.
Complaint sub-issue: Information belongs to someone else

I have some accounts that I don't recognized and or that it's not my accounts that should be on my credit. Please remove them immediately.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have numerous inquiries from the same companies when I've only given them consent to run a credit report once. XXXX has FOUR separate inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I only asked for their services XXXX time on the first date. I have a XXXX XXXXXXXX credit card and I've only applied once, but I have TWO separate inquiries from XX/XX/XXXX and XX/XX/XXXX. I only called XXXX XXXX on XX/XX/XXXX to ask questions about their options. My credit should've never been evaluated. Lastly, I never gave a consent to XXXX XXXX on XX/XX/XXXX to run my credit. It's a credit repair company that I never used as I have been attempting to repair my credit on my efforts. XXXX has 7 inquiries and Equifax has 8. The numbers don't even match each  agency, and the random credit runs were unnecessary actions.
Complaint sub-issue: Debt is not yours

Keep getting repeated phone calls from ERC out of XXXX, TN, phone # XXXX XXXX XXXX XXXX XXXX. 

I have blocked there number but they keep calling on different numbers. I have told them to remove my number but they say the do and start calling back the next day. I get at least 3 phone calls a day from this company. I have submitted my number to the do-not-call registry and they still call NON STOP at all hours of the day. 

They hang up the phone while I am mid sentence asking for more information about their company.
Complaint sub-issue: Investigation took more than 30 days

Credit bureaus have not responded to my letter of I accuracies on my credit file with their company
Complaint sub-issue: Personal information incorrect

I have contacted the credit bureau to update my personal information as it is reporting incorrectly. The only address that I have lived at that should be reporting is I have sent out dispute letters and have not received any response which is a violation of the law. Please update my address to the above information.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs at no cost to the victims. Credit fraud protection should be mandatory for every account. The public should not be forced to pay for Equifax 's mistakes nor should Equifax be allowed to profit off of the fall-out from these mistakes. 

I hope to freeze my credit however in researching this process I will be forced to pay for these services, effectively rewarding Equifax for their gross negligence.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding inaccurate and unverifiable information on my credit report. To this day, which is over 30 days later and I am yet to receive a response. As this is not my first time trying to resolve this matter, I feel as if I am being taking advantage of and being ignored of my disputes. In Section 611 ( a ), it clearly states that a failure to investigate these items in 30 days give a reason to immediately remove those items from my credit report. It has been over 30 days and counting, so they should be deleted promptly. I demand that 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 into the hands of the wrong person.
Complaint sub-issue: Problem with rewards from credit card

My Costco Citi card advertises " cash back '' for purchases. It is usually in the form of a coupon, which needs to be brought to a Costco warehouse for redemption. I have not received a check or any other form of payment for my Costco Citi card for 2021, and I believe it was due early in the year.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX has violated 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Complaint sub-issue: Information belongs to someone else

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXX XXXX {$320.00} USDEPTEDXXXX XXXX {$270.00} XXXX XXXX {$74.00} XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$110.00}
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

XXXX XXXX apparently placed a bad debt in the amount of {$660.00} on my account for a XXXX XXXX balance. The initial report ( on my XXXX report ) shows XXXX, and they have reported the debt again as a negative item this month, XXXX. I have n't had a XXXX XXXX account since XXXX. I have had no recent account with them. The balance that was owed from XXXX was included in my Ch. XXXX bankruptcy filed in XXXX. I suspect that what XXXX XXXX and Enhanced Recovery Corp ( the original holder of the debt ) is attempting to do is illegal, and I 'm tempted to contact an attorney regarding the matter.
Complaint sub-issue: Didn't receive notice of right to dispute

In accordance with the Fair Debt Collection Practices Act ( FDCPA ) enforced by the Federal Trade Commission ( FTC ) and the New York State Debt Collection Procedures Law Im filing this formal complaint against Progressive Management Systems of California. 

Progressive Management Systems ( PMS ) made no attempt to contact me via mail nor phone to collect a debt from me. Instead they reported a collection account on my credit report and since I have been a victim of several corporate data breachs I receive FREE credit monitoring. I received an alert that a collection account was reported on my credit report. 

I immediately XXXX  the company name in the credit report monitoring alert and wrote them a letter. I went to use my XXXX XXXX card and was extremely embarrassed when the Cashier told me my charge had been declined. I immediately called XXXX XXXX to learn that they had reduced my credit line. Losing {$20000.00} of available business credit has severely impacted the cash flow management of my business because of this error reported by PMS on my personal credit report. Ive had an XXXX XXXX credit card since XXXX and this is how they repay me for 20 years of customer loyalty never missing a payment. Well, when all of this is over XXXX XXXX has lost a loyal customer and I will complain about them on all my social media and close my credit cards with them. 

I am not financially responsible for paying this debt to PMS. XXXX XXXX Hospital was notified of this in XXXX by Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX XXXX when they sent billing to me and gave my account to XXXX XXXX XXXX to collect the debt. The hospital had what still is my current mailing address. Instead of PMS contacting me via mail and me telling them Im not financially responsible for this debt theyve taken actions that have severe ripple effects on my business financially. Im currently applying for a loan and this account is hurting me. I have the money to pay the debt but I shouldnt be coerced into paying a debt that Im not financially responsible for just so creditors like XXXX XXXX wont reduce my credit lines, or raise my interest rates or my lender deny my current real estate mortgage loan application all because of this error on my credit report. 

Im requesting PMS to remove this false reporting on my credit report immediately so I can stop this financial hardship they have caused me.
Complaint sub-issue: Information belongs to someone else

Upon reviewing my credit file, incorrect information was found in my reports. The 3 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 are the items that are reporting on my Credit Reports : " XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX Balance : {$0.00}, XXXX  XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$200.00}, XXXX XXXX XXXX Balance : {$870.00}, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX "
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2018 I wrote Equifax a dispute letter on the status of my credit report. I found multiply errors on my file and ask for Equifax to fix. Its has been 60 days now and i have not received a copy of my credit report and the fixes Equifax did hurt my score more than helped my score. Since Equifax had a data breach I was affected and they have given me credit monitoring through their site at XXXX. At this point I am following up with my letter to Equifax by filing this complaint to the CFPB. My next step is to file a lawsuit in federal court over several violations of the FCRA. What Equifax decided to do was to reboot my file from a current date in XXXX. After that hardly any files have been updated and many new creditors have been added to my file. My score would / should be at least 30 to 40 points higher. Im at the point of no return its just time to file the lawsuit the erroneous condition of my credit file can not continue to be represented as my current profile.