Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Sued you without properly notifying you of lawsuit

On XXXX XXXX, XXXX I received a voice mail message from phone number XXXX XXXX XXXX  XXXX stating that they just held a preliminary hearing in reference to a debt going back since XXXX in the state of XXXX. I called the number back and the woman that I spoke with stated that they served me XXXX to my job and that they are going to garnish my wages and will seek the maximum amount of XXXX. I told her that I was not served any papers and what addr did they have. She refused to tell me since this is a " legal document '' and can not give me any information. I told her that I was going to contact my employer to see if they received anything and she told me that she could not give me any information or send me any information about the document they have. I currently am no longer in XXXX but in XXXX. After she put me on hold she realized that they sent it to the wrong addr. When I asked her to send me the papers she STILL refused to send my ANYTHING. I am currently XXXX with my daughter so I use my mother XXXX in XXXX XXXX. The woman then transferred me to their collections department XXXX LP XXXX ph XXXX no address listed ) and they told me they can accept XXXX a month. They sent me a copy via email to signed. I FELT LIKE I SIGNED IT UNDER DURESS BECAUSE THEY THREATNED TO GARNISH MY WAGES. PLEASE HELP ME. ANY ADVICE WILL HELP. I would have gotten a lawyer but I do not have the money. Thank you in advance.
Complaint sub-issue: Reporting company used your report improperly

Equifax violated my rights Under 15 USC 1681 a number 3. Equifax assumed this role without permission not only that you did not have my consent.

Under 15 USC 1681 a number 4. I did not exercise your grave responsibility you were unfair, you were partial and you did not respect my right to privacy. 
already filed a CFPB report and an attorney general 's complaint. I can give you the CFPB report. ( File the CFPB report a few minutes before calling ).

You never had a permissible purpose Under 1681 b number 2. I never instructed you to furnish this report or to create this report. I never consented to this report in the first place.
Complaint sub-issue: Threatened or suggested your credit would be damaged

On XX/XX/2015, my attorney wrote Hunter Warfield a letter of representation regarding HW 's efforts to collect an illegal debt and requested that it cease and desist further collection efforts and remove negative information from the 3 credit bureaus. The letter was faxed, mailed and emailed to three people at Hunter Warfield and XXXX XXXX XXXX. The debt was not validated per my attorney 's request. My attorney and I never heard another word from this creditor. It was assumed this matter was disposed of. I recently received a notice from XXXX of this derogatory reporting.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act Convergent Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, And 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: Impersonated attorney, law enforcement, or government official

WE (  XXXX   XXXX  AND  XXXX   XXXX   )  had come to a agreed settlement regarding my wife 's credit card that charged off 3 years ago. I held up our part of the agreement in which I sent back the original paper work mailed to us that my wife had to sign and sent back to rodenburg law firm certified mail next day. them once I had confirmation that they received the letter, I went to there web site and made {$2000.00} payment through our joint checking account. then after it cleared in  24  hours, I started calling them  XXXX  asking when they were going to file there paper work with the clerk of courts here in   XXXX   XXXX   stating the matter had been settled. each time I got the run around and was told " another department handles that ''. finally I called the morning of  XXXX , the day this matter was set for trial at  XXXX . Spoke to a rep named  XXXX  explained to him I just spoke to   XXXX   XXXX   courts and they have yet to receive there paper work that " you were spose to file with the   XXXX   XXXX   courts ''.  XXXX  tried telling me that the " other dept handles that " I then asked to speak with a supervisor,  XXXX  tried to transfer me to a supervisor who he said " wont be in the office till tomarrow ''. I asked several times to speak with someone in charge today, right now. he refused, and kept trying to send me to the supervisors phone who was not in the office today. finally  XXXX  hund up on me.
Complaint sub-issue: Their investigation did not fix an error on your report

equifax does not consider what im saying i have no relantionship at all with XXXX XXXX so investigate their inquiry and as far as XXXX is concerned i only applied twice with them so 2 inquirys is most i should have not 4
Complaint sub-issue: Their investigation did not fix an error on your report

I sent XXXX proof XX/XX/XXXX. That my XXXX account was not late XX/XX/XXXX. And they didnt correct the information
Complaint sub-issue: Personal information incorrect

XXXX should be held responsible because I applied for a Home Depot credit card on Sunday, XX/XX/2021. The company pulled my credit report and my credit score went down by XXXX points because of it. Once my application was finished I was told someone would get back to me. I received an email stating further information is needed to process my application. So I called the company and was told they would have to pull my credit report again but only after I get my phone number fixed on my credit report so that they can verify its really me. The agency is really being unreasonable because there are a number of ways to verify a person and my credit score is good. Now I feel like my score went down XXXX points for nothing. If this agency could assist me with this matter. I would appreciate it.
Complaint sub-issue: Old information reappears or never goes away

I have sent in documentation to both bureaus XXXX and XXXX regarding erroneously reported information. I have spoken to customer care as well as USPS certified notarized copies and the j formation is still on my report which has caused me financial issues due to the credit scores and charged off collections and inquiries. This has been dragged on for 6 months now Im have really been working extra hard to get this taken care of transunion has taken off the information. All three reports should pretty much have the same info. I am facing more stress along with the Covid19. I am asking that the inquiries be removed and the collection accounts as well. My credit score updated. I was denied a loan. I have been paying my bills on time and keeping my credit clean.
Complaint sub-issue: Attempted to collect wrong amount

My rental agency that I rented 3 different homes from over 7 years without a single problem was trying to have me pay for an upgrade of a house I rented for it ( the house had now been sold ). They refused to do inspections with me before I moved out of the house in XX/XX/2015 after I had requested for one several time. And they had not refunded my {$760.00} deposit till now. My problems with this agency started when I decided to purchase my own house and got another agency to assist me with the purchase ( I have my own home now and glad I did ). This is just a case of a mean and bad spirited agent trying to destroy the good credit score that took me years to work for. They should have filled a lawsuit if actually they had any case against me. I hope you guys will get to the root of these and reinstate my credit score to it 's original version. I owe this agency no money but they are still holding on to mine. It is injustice for this to be allowed by the credit reporting organizations. This is nothing but an exploitation by this rental agency.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately. 
XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX AN # XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Other problem getting your report or credit score

I am filing this complaint about the data breach. You onto the Equifax website, and get the run around. You call them, and speak with someone who can barely speak XXXX, but says their in Oregon. They tell you that you can not use an IPhone, but it has the mobile app. You are messing with people 's lives.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I recieved an pre-approval offer for Discover It in the mail. I called to see what I was really approved and the agent told me yes! I applied and was declined. I called in to several different people for help and they told me they apologized but they cant help me get the negative credit reporting removed from my credit for Discover.
Complaint sub-issue: Information belongs to someone else

PLEASE INVESTIGATE THESE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I HAVE MY CREDIT REPORT AND I SEE SO MANY FRAUDULENT ACCOUNTS. I HAVE NO IDEA HOW THIS STFF GOT ON MY CREDIT REPORT, BUT ITS HOLDING MY CREDIT DOWN. I NEED THESE ACCOUNTS INVESTIAGTED AND REMOVED FROM MY CREDIT PROFILE
Complaint sub-issue: Transaction was not authorized

On XXXX XXXX I opened a dispute with PNC Bank regarding a transaction I had made in the beginning of XXXX. I had ordered something from XXXX, but had never received the item. I contacted the seller to resolve the issue, to no avail, so I contacted PNC. I received a letter the beginning of XX/XX/2022 that said my dispute was denied, and that I could call to request copies of the documentation used when making their determination. I immediately called to request these documents, because I know it is not possible that they have documents showing that I received something, that I absolutely did not receive. I was told the documents were being sent. About a week later I received a copy of the same letter they had sent me, denying my dispute, nothing else. So I called again, and again I was told they were being sent, again they sent me the letter denying my dispute, nothing else. This pattern has repeated XXXX XXXX XXXX XXXX I have been promised that I would receive my dispute packet and XXXX XXXX they have sent me the letter denying my dispute ; nothing else. During all of this I requested the assistance of a supervisor, I received a call from a woman named XXXX. I have spoken with XXXX multiple times, I was advised by XXXX that I should get in touch with XXXX again to see if they could be of assistance, so I did get in touch with them, this time by texting their customer service. I was told by XXXX that a chargeback WAS PAID to PNC Bank, so they couldn t help me. So if XXXX gave PNC my money back- WHERE IS IT?! I asked XXXX about this and she didn t have an answer. She has continually assured me that I will receive the paperwork that their letter tells me I have the right to request, only to receive a repeat of that same letter. This is beyond frustrating.
Complaint sub-issue: Problem making or receiving payments

I received an email from Citibank on XX/XX/XXXX that they promised I can get {$700.00} cash bonus if I open a new account and deposit {$50000.00} for keeping XXXX. Since XX/XX/XXXX the XXXX time I called the Citibank to confirm if I can get the cash bonus, they said no problem, I at least called them again and again on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, XXXX XXXX ( supervisor XXXX ) XXXX. Every time they told me different thing. Yesterday I sent them a letter as they requested but I really feel frustrated to trust them anymore. For ending my half year suffering from the Citibank, please I submit this complaint to your bureau. Appreciate for your time and look forward to your response.
Complaint sub-issue: Account status incorrect

We had 3 mortgages with Chemical Bank. ( XXXX XXXX area ). The company changed hands to TCF in XXXX. I sent the 3 mortgages through my bill pay as usual in XXXX. TCF put all 3 payments onto one house which sold. The payments were clearly indicated by the bill pay system. They sent us a notice with late fees for not paying the other 2 mortgages. In XXXX I sent the mortgage payments by USPS. Then they found their mistake. In the meantime our credit score fell to XXXX from XXXX ( XXXX 'XXXX   XXXX  ). That is 110 points. Since that time, 2 houses have sold and the 3rd will close on the XXXX of XXXX. They said " we are sorry and have done all we can do! 
You will have to wait 30 days. '' TCF has said they have corrected their mistake. My question is to what degree have they corrected it? Will our credit score return to where it was before their mistake. It didn't take them long to knock our score down ; why isn't it possible to correct their error without us waiting 30 days.
Complaint sub-issue: Information belongs to someone else

XX/XX/2020 I was notified through XXXX XXXX that AFNI added a derogatory account. This account was sold and Transferred. A bill without a signature does not validate a debt. Please terminate all collection efforts. And notify all three credit bureaus for inaccurate reporting.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I am a victim of identity theft. Upon review of my credit report I discovered inquiries that were not authorized or initiated by me. The inquiry that is fraudulent is : CBNA on XX/XX/2021.
Complaint sub-issue: Reporting company used your report improperly

I did not consent to authorize nor benefit from the following account ( s ). Block and Remove.
Complaint sub-issue: Late or other fees

Dear, Im XXXX  years young, with XXXX and XXXX XXXX vet, On XX/XX/2018 at XXXX XXXX ( pacific time ),  I made teller deposit {$1500.00} cash and {$100.00} check total of {$1600.00} inside the XXXX grocery store  one of US bank branch located at XXXX  XXXX XXXX, XXXX Ca XXXX, I got official receipt showing my deposit amount, on XX/XX/2018 Iat XXXX logged in but couldnt find my deposited fund, It is very important because I paid few bills that going to appear on Monday, so I called US bank and discussed the issue they couldnt find the deposit either they said we will investigate it this can not happened because they are banks what happened if i dont have the deposit slip but the issue is what if I didnt had it and is cash this is fraudulent action when an deposit or withdraw or any transaction It must appear in the account ( s ) I really believed Usbank participating in fraudulent activities and CFPB must investigate It, Im going to the same branch in few hours but why this is happening, Investigate if there other government agencies that i can file complaints please let me know also. Thanks.
Complaint sub-issue: Account status incorrect

In XXXX and XX/XX/XXXX XXXX reported to Equifax that I was delinquent for those two months on an account that was paid off in XX/XX/XXXX. If Equifax had done their due diligence they could have verified that what they reported was not accurate. They added a note on my account which affected my credit score and has cause me to have a higher interest rate when applying for home loans.
Complaint sub-issue: Was not notified of investigation status or results

I sent letters to all XXXX credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over XXXX days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Complaint sub-issue: Contacted your employer

Right NOW i am going through a financial hardship. I advised LOAN me not to call my employer. Today at XXXX PC a rep by the name of XXXX contact me ... i asked why was she calling my employer ... i told her i advised them not to ... she then went on to try to discuss a settlement while im on the phone at work. This was embarrassing and can cause me to lose my job!!!!!
Complaint sub-issue: Personal information incorrect

I attempted to create an account for equifax premiere. The system took my {$1.00} but then told me after answering all the verification questions correctly that my identity couldn't be verified. I called the number listed XXXX and a foreign representative asked me another verification question, " do i hav a student loan? if so, who is my lender? '' I answered US Dept of Education. '' She insisted on asking me is there another name they use. I told her several times NO as i was reading the information straight from my equifax report as seen in the attachments and screenshot. She then said my identity was still not accurate. I then asked for a supervisor and someone with a heavy foreign accent name XXXX with ID : XXXX took over the call. I asked him why was my information not verified. After stuttering for a couple secnds, he could not answer the question. I recorded the call and am sending it to XXXX and XXXX, especially after the huge data breach and lawsuit. The system also STOLE {$1.00} from my account but did not produce my order.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act. The lists of accounts below and has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX Account Num : XXXX Account Name : XXXX Account Num : XXXX Account Name : XXXX XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX  of XXXX Account Num : XXXX  Account Name : XXXX XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX XXXX Account Num : XXXX Account Name : XXXX XXXX Account Num : XXXX has violated my rights .

15 U.S.C 1681 section 602 A states I have rights 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.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( A ) ( 1 ) 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.
Complaint sub-issue: Information belongs to someone else

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX MN XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

The balance on my credit card with US Bank is incorrect. I called multiple times and spoke to multiple people. They told me their policy is to only update information once a month and will not update or correct information in between even though their incorrect balance is affecting my credit score while i am in the middle of getting a mortgage. The only escalation is to a supervisor who states the same thing. They do not have a way to contact the credit dispute center other than mail and they do not have anyone to talk to or connect with at the corporate level. They transferred me back to the credit card supervisor. They basically told me I could dispute with the credit bureaus or send in a letter and if they think it's incorrect they will update but there is no way to follow up or get any info on that process. I can only send in the letter and they will get back to me in 45-60 days.
Complaint sub-issue: Was not notified of investigation status or results

I sent a letter dated on XX/XX/2020, requesting the company to remove inaccurate information from my credit report that is on file with them. The company sent a response dated on XX/XX/2020, deleting some of the inaccurate information but left XXXX bankruptcies in the public records section. I sent a Method of Verification letter dated on XX/XX/2020, requesting how the information of bankruptcy was verified as my right as per the Fair Credit Reporting Act ( F.C.R.A. 611 ( a ) ( 7 ) -to request a complete description of all methods used to investigate my dispute ). 

To the date of this complaint, I did not receive a response and the company had fifteen ( 15 ) days to provide a response to the Method of Verification as per the Fair Credit Reporting Act.