Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Frequent or repeated calls

I received a phone call from XXXX on XXXX20. The woman said her name so fast that I could not understand it. She said my name and I told her that it was me, and then I asked who was calling. She simply asked me to confirm the last 4 of my SSN. I told her that I was not going to provide that information over the phone. I again asked her what the call was in regards to and she would not provide me with that information. She once again asked me to confirm my SSN and I told her no. She then stated " well, then I will take that as affirmation of gainful employment '' and proceeded to hang up on me. Today I received a call again but did not answer the phone. They then proceeded to call my husband on his cellphone and reiterated the same thing. He also refused to give out any of my information and they hung up on him as well. I contacted XXXX XXXX to ensure my information/identity had not been compromised and they stated that they did not see any suspicious activity on my account. I have no unpaid debts. I did look up this number and found multiple complaints of this being a scam. I have filed a report with XXXX XXXX, I have also filed a complaint with the XXXX  as well. If this was a legitimate debt, they would not be harassing/menacing/rude/disrespectful.
Complaint sub-issue: Problem making or receiving payments

I invest on an application called XXXX. Is to invest in my future and if you're not aware of the application it links directly to our banking accounts. The application automatically rounds up total spent from your banking account to the nearest dollar. Essentially collecting the change until it reaches a total of {$5.00}. It then withdrawals to {$5.00} and invest for you. It is simply a very convenient way to save money. There has been an issue between the application because PNC is causing issues with them which is costing me money because I'm no longer investing. I feel this is my account and if I want to give access to the XXXX application, which I've dealt with for many years, that's my choice. I am asking you to please speed up the process so I can begin in my investments again. Thank you
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XXXX  XXXX XXXX became aware of several unauthorized charges. I spoke directly with a Discover employee and explained why charge with XXXX XXXX, of XXXX was not authorized. The employee told me he would not investigate the dispute after one letter from XXXX XXXX of XXXX which contained fraudulent documents which Discover was aware of last XXXX has not disputed nor followed its Cardholder Member Agreement. I filed a prior Complaint with your Agency and the Discover reply was not factual accurate and did not include detailed letters I submitted to Discover which did not lead to a Discover fraud and security investigation and should have. I discussed this with an XXXX at Discover as I had always made the required minimum payment, but recently wrote him to suggest my minimum payment be placed in escrow as the minimum payment pursuant to the Cardholder Agreement is 2 % of the account balance, which is inaccurate because of the {$3600.00} unauthorized purchase at XXXX XXXX of XXXX. Rather than the Discover XXXX reply to my suggestion that we put my minimum monthly payment in escrow, as every other payment had been made timely, Discover arbitrarily and capriciously reported my account as derogatory to the Credit Reporting Agencies. Also the Customer Agreement with Discover provides for a procedure for " Your Rights If You Are Dissatisfied With your Credit Card Purchase '' providing I may have the right not to pay the remaining amount due on the purchase. I discussed this with the XXXX at Discover, XXXX XXXX, as he had previously told me Discover had a third party agency to handle these matters when Discover Card Holders are not happy with their purchase. I told him I was not happy with the purchase of the XXXX XXXX XXXX made at XXXX XXXX XXXX XXXX on XX/XX/XXXX, attempted to work it out with the merchant and was not successful. XXXX XXXX told me on XX/XX/XXXX Discover no longer has this policy, and stopped it in XXXX. I have only been a Discover XXXX XXXX since XXXX and my Customer XXXX clearly states the policy, so he was dishonest with me. Further, for no basis whatsoever Discover refused to reissue me a replacement card, after their were unauthorized purchases, which Discover investigated and agreed with me they were all, but the XXXX with XXXX XXXX not authorized. The XXXX XXXX XXXX, even wrote me a personal letter telling me his opinion I was a Cardholder in good standing with Discover. In fact many employees of the Discover Fraud and Security Staff directly told me their opinion my Cardholder status should not be restricted, and I even received a letter from Discover after this telling me I was going to be receiving a new card which I could activate and use as I had available monies on my Credit Limit with Discover. I received the Card but could never activate it.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you 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: Threatened to sue you for very old debt

My employer was contacted by someone representing a  XXXX   XXXX  an attorney asking if I was there so they could serve me with court documents. My employer told them no and then contacted me. I called the number she was given and the person I spoke to was very combative and yelled at me, they told me they had received a judgement forcing my employer to garnish my wages. Later they backtracked and told me IF it went to court they would be allowed to garnish my wages. I asked for validation of the debt and was told no, I had to find it myself. The initial debt was {$370.00} and now they are saying I have to pay over {$1200.00} and when it goes to court I will have to pay court fees and filling fees and my total will increase to over {$4000.00}!   LPSG the company that currently hold the debt, would n't discuss anything with me and kept referring me about to  XXXX  's office and the person at  XXXX  's office said that everything had to be approved my LPSG. They kept running me in circles ...
Complaint sub-issue: Debt was result of identity theft

When selling a home in 2014 I learned a judgement was obtained against me and would take the amount owed from the sale of our home. I called the law firm whom filed and found the judgement was on a student loan obtain by fraud by XXXX XXXX. I followed the direction of this law office and filing their fraud packet ( mail XX/XX/2014 ). The law office and Educap did determined it was obtained through fraud. The amount ( {$7200.00} ) was not taken from the sale of our home and I was removed from the account. The problem I have now is they never removed the judgement or provided me with the paperwork to allow me to remove this. After moving I provided this law office with my new home address and phone number. I continued to call this office for some type of letter to remove this judgement. Each time I call for some help to get this judgement remove I get excuses and promises. I am at wits end. The law office in question is : XXXX, XXXX, XXXX  XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Complaint sub-issue: Debt is not mine

On XXXX/XXXX/16, a company called XXXX from XXXX XXXX XXXX XXXX XXXX, SD XXXX did a hard pull of my credit report. 

I must say, I applied for a credit card at Citibank and the hard pull from Citibank it shows on my XXXX report ; as a result I have to hard inquiries on XXXX/XXXX/16 : XXXX from XXXX and another from Citibank. I do n't own any products from Citibank. 

I do n't know who XXXX is? Or why are they doing a hard pull on my report when I did n't authorized it.
Complaint sub-issue: Information belongs to someone else

I submitted a request that certain items on my credit reports be removed. I experienced identity theft a few years ago and do not recognize these accounts, nor did I authorize them. I received a response from all 3 bureaus that the items were valid. There is no way these items are valid. 

On my XXXX report I have a XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX {$1200.00} Original creditor : XXXX XXXX XXXX account reporting which is not mine. I also noticed the following inquiries which are not mine and fraudulent : XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX On my Equifax report I noticed the following accounts which are not mine and fraudulently being reported : XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX   {$1200.00} XXXX XXXX XXXX {$30.00} I also notice on my Equifax report a CHILD SUPPORT account which should not be on there because I do not owe child support nor am I on child support. I have a few time before informed them of all of the things I am including in my complaint. I have also submitted identity theft reports, etc and filed a police report. 

With XXXX  I have noticed the following fraudulent accounts and inquiries XXXX XXXX   XXXX {$1900.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$30.00} Inquires : XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX - Card Service Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act : 1XXXX XXXX : XXXX 2. XXXX XXXX XXXX : XXXX 3.Drpt of Ed : XXXX 4.XXXX  XXXX  XXXX XXXX XXXX XXXX 5.XXXX XXXX XXXX : XXXX 6.XXXX-XXXX XXXX  XXXX 7.dept of Ed/XXXX  : XXXX0 8.dept of Ed/XXXX XXXX : XXXX 9.XXXX  XXXX : XXXX 10.XXXX XXXX XXXX XXXX : XXXX 11.XXXX XXXX  : XXXX 12.XXXX XXXX : XXXX 13. XXXX  XXXX  : XXXX 14.XXXX XXXX : XXXX 15. XXXX XXXX  : XXXX 16.depted XXXX  : XXXX 17.XXXX XXXX XXXX  : XXXX 18.XXXX XXXX XXXX XXXX 19. XXXX XXXX : 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 that a consumer reporting agency can not furnish a account with out my written instructions.

15 U.S.C 1681 - Congressional findings and purpose. : ( B ) ( 4 ) Reasonable Procedures. F.C.R.A 15 U.S.C 1681C-2 ( A ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) Block of information resulting from identity theft.

18 U.S.C 1028- ( A ) ( 1 ) ( 3 ) ( 7 ) ( 8 ) Fraud and Related activity in connection with identification documents, authentication features, and information.

No SSA-89 form for furnished information ( s ).
Complaint sub-issue: Their investigation did not fix an error on your report

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Complaint sub-issue: Personal information incorrect

I submitted request to all Equifax, XXXX, and XXXX regarding removing inaccurate items from my credit report. To date I have not received any response, and they are still reporting inaccurate information on my credit report, as they have not provided any information of them removing the inaccurate items from my credit report. 

Variations of inaccurate name on my report Old inaccurate addresses on my report Old inaccurate employers on my report
Complaint sub-issue: Problem using a debit or ATM card

My complaint is with cashapp I went through the process 4 times once they recovered my account back for me after I was logged and locked out. But they say I had to have authorized the transactions which I clearly didnt. I'm in Texas and a person from North Carolina hack my account and stole about {$600.00} out of my account before my company could get me back in control of said account. I want to be refunded. Here Is the list of the unauthorized transactions.. 
XXXX XXXX XXXX {$73.00} XXXX XXXX XXXX {$98.00} XXXX {$20.00} XXXX {$38.00} XXXX. {$30.00} XXXX. {$20.00} XXXX {$25.00} XXXX {$170.00} XXXX {$10.00} XXXX {$20.00} XXXX XXXX XXXX {$20.00} XXXX {$25.00} XXXX {$20.00} XXXX {$25.00} XXXX {$20.00} XXXX {$45.00}
Complaint sub-issue: Debt is not mine

I am being contacted and harassed by CFM Group in XXXX, GA re : debt collection on behalf of XXXX XXXX ( Uniform services provider ), which I do not owe. I bought a business in XXXX XXXX and had been getting uniform supplies from XXXX till XXXX XXXX, XXXX. There was no contract signed with XXXX by us. We decided to stop the services effective XXXX/XXXX/XXXX due to cost issues. A letter stating about termination of services was sent by mail to them. We did pay all the dues for services received from them. Last statement XXXX/XXXX/XXXX for {$61.00} was paid as well. They sent another invoice XXXX/XXXX/XXXX ( though no more services were received after XXXX/XXXX/XXXX ) stating that we owed them {$1300.00} ( with no explanations for charges of {$1000.00} in that statement ). Note : Weekly bills used to be around {$60.00}. They started harassing that previous owner had signed a contract and that i am responsible for it too. I tried to clarify that I have never signed a contract and thus have the right to cancel it any moment. I wrote them few letters but they never got back to me about explanation of charges. Now CFM has been contacting me with a bill which is 3 times higher the original demanded amount more than {$3000.00} claiming that these include their fees. Not only that the numbers that they provide me with on the phone ( which they claim were on the statement ) does not even match the one on my last statement sent by XXXX. The representative keeps on calling 2-3 times a day during business hours demanding for our credit card number. He does not want to provide any explanation for charges and uses very harsh and threatening language when we try to say anything about justifying the charges. He keeps on making different offers to settle it though I do not owe them anything. But his harassment continues. I request you to help me getting out of this harassment and close this matter with all due fairness.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

# XXXX, XXXX XXXX. 

# XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX False, deceptive, or misleading representations or means. 

( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt.

( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: Information belongs to someone else

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and the all need to be deleted from my credit report. XXXX XXXX, XXXX. I am doing this all on my own.
Complaint sub-issue: Frequent or repeated calls

Lending club call my family members discussing my debt which I think was wrong. My family member gave them my number, but the calls to my family members continues.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax  ; XXXX and XXXX  are reporting incorrectly that I am XXXX XXXX XXXX days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Complaint sub-issue: Deposits and withdrawals

XXXX XXXX froze my savings account without notifying me. I only discovered it after the ACH transfer for my rent was rejected, which caused me to incur a fee from my landlord. This is a widespread problem. Several customer service representatives said that XXXX XXXX is doing this to many accounts -- not just mine. 

The Fraud Department is unreachable. XXXX XXXX will not allow us to call the Fraud Department, and the Fraud Department does not respond to emails. They give several different explanations for the account freezes, including : ( 1 ) One representative claimed that they have a policy that all new accounts are frozen in the first 60 days, even though their account opening documents say no such thing. The opening documents only say that we can not CHANGE our one linked external account in the first 60 days -- they do not say that we can not withdraw money from our savings account, nor that we can not do ACH pulls from our account. ( 2 ) Another representative said that my linking of external accounts to the XXXX XXXX Savings account was the cause for the freeze, but XXXX XXXX didn't seem to mind that I used those linked accounts to DEPOSIT tens of thousands of dollars into my XXXX XXXX Savings account. They only flagged it for fraud when I later tried to access MY money by WITHDRAWING my rent payment. 

It is INEXCUSABLE that XXXX XXXX would freeze my account WITHOUT NOTIFYING ME. XXXX XXXX has my phone number, email address, and mailing address, but they never contacted me to tell me that my account was frozen. 

XXXX XXXX has seized our money, without justification, and will not release it.
Complaint sub-issue: Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 

Also date last active, date of last payment, and date opened on the following accounts need to be verified as they are reporting old outdated and incorrect information. 
XXXX # XXXX last payment date is XX/XX/XXXX, but outdated as far as being opened XX/XX/XXXX. XXXX and XXXX deleted it but Equifax is holding this account when it is past the statute of debt limitations in the state of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX last payment date is XX/XX/XXXX on XXXX, and last payment date is XX/XX/XXXX on Equifax XXXX the balances are also different. XXXX XXXX XXXX XXXX dates last active and dates of last payment are inaccurate.
Complaint sub-issue: Information is not mine

Equifax is refusing to investigate numerous fraudulent inquiries in my credit report that I did not initiate.
Complaint sub-issue: Public record

I disputed incorrect judgement information on my credit report twice and submitted paperwork showing that those XXXX judgements are NOT money judgements. They have them listed as if they are money judgements. I spoke to customer service as well and submitted paper work and when through a dispute twice already. I spoke to the court myself and they said those are reported incorrectly and a money judgement was never obtained from the creditor. I never had a money judgement at all. Those were possession judgements. The other XXXX credit reporting agencies took them off immediately but Equifax wo n't even listen. You can see there was no money judgement if you look on number XXXX on both pages. it 's checked and clearly shows there was never a money judgement.
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity theft. I did not make these these charges mentioned with the list. I meet all the qualifications under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft, there are fraudulent accounts showing on my credit reports