Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Contacted your employer

ERS Collection Company called my employer and left a message on my work voice mail that the call was coming from a debt collector. Leaving such a message not only violates Federal Law, but puts my work status at risk. I have not received a notice of debt, nor have I had an opportunity to file a dispute. I don't know if this is a scam or a real debt. I called the company at ( XXXX ) XXXX and spoke with XXXX XXXX and XXXX XXXX to complain about the call. I played the recording for XXXX XXXX, but Mr. XXXX stated he would listen to his internal recording. I have saved a copy of the voice mail and will make it available if requested. 

Mr. XXXX put me on notice that the call to my office recorded. I am in California, which is a two party consent state and I did not consent to being recorded. The fact that my voice or message on my work voice mail was recorded without my permission should be illegal. a
Complaint sub-issue: Problem with fees

At the end of XXXX XXXX I called in to discuss my account with a rep who worked with me and stated that I would get credited the fees and interest that had been charged. I was reviewing the account and submitted a question on this last month but have not heard a follow-up on this. At that time I had interest charges on my account of {$22.00} and the credit posted to my account was for {$15.00}. I was following up on the additional credits starting on XXXX XXXX and have had numerous follow-up messages. Because of the credits not being processed this caused me an additional late fee of {$25.00} on XXXX and two additional interest charges of {$0.00} on XXXX and {$0.00} on XXXX. 

I am looking for a total credit of {$25.00} late fee plus interest charges of {$7.00}. 

I have sent approximately 8 follow-up messages on this issue and have had nothing resolved.
Complaint sub-issue: Problem accessing account

I have a secondary account with Credit Karma banking.i have a checking and savings not even a year old. On XX/XX/2021 my account was frozen!! I had no Knowledge of this until I went to the grocery store that evening to use my card. There was no communication, no call, no text or email about this happening. I called them to complain and they gave no explanation as to why my account was frozen. The customer service person just told me they made a case and please send my questions to that email to get updated. They also said that they are currently working on it. Today is day 7!! Still no communication after ten plus emails and calls. I have no access to MY money for my kids, groceries or gas.. they are even declining my credit card payments that I got through them! I have over {$700.00} in fees from this and I don't think it's right! This can't be legal? They are a member of XXXX XXXX  and when I reached out to XXXX they just transfered me to credit Karma service.
Complaint sub-issue: Was not notified of investigation status or results

I am filing this complaint because the consumer reporting agencies are ignoring my dispute letters and they are reporting inaccurate information and VIOLATING my consumer rights in many ways. I first contacted them in XXXX and still havent received a letter in the mail about my disputes. When I contact via phone they keep directing me to send letters which I have done so three times already. I am very upset. 


Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card, The Credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should alb removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that they remove this transaction from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

I demand that they delete the disputed items immediately due to them violating federal law.
Complaint sub-issue: Personal information incorrect

I am requesting a full Core Logic report so I can get a full understanding of what is being reported on my credit report Please send to the address below.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Complaint sub-issue: Reporting company used your report improperly

I did not consent to or benefit from the following information : XXXX, Equifax, & XXXX listed on my consumer report, block or remove the following account XXXX XXXX XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results come back as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate.
Complaint sub-issue: Was not notified of investigation status or results

I recently disputed the items listed and I don't believe a proper investigation was done. You have failed to properly investigate and remove these frivolous accounts and have not provided validated proof of any findings that prove this account was authorized by me. I request per FCRA requirements. This account should be deleted immediately. I also attached a copy of the FTC report including these fraudulent accounts.
Complaint sub-issue: Debt was result of identity theft

Called AT & T to advise account was not mine and account was closed as it was not mine. All of a sudden, I am not getting bills for an account that was closed by AT & T for fraud. Tried to contact company and explain this to them but they don't care and continue to send me bills.
Complaint sub-issue: Account status incorrect

Paid off auto loan appearing in my credit reports. I submitted dispute with XXXX  and pending response. 
My complaint is with Equifax 's online dispute process. I have attempted to submit dispute but their system continuously claims no internet connection. I have used mobile and wifi connections and in both instances I get a " no connection '' error response. I have attempted dispute in different dates and locations and response is the same.
Complaint sub-issue: Information belongs to someone else

I was a victim of Equifax breach in 2018. My account and personal was used in fraud and has been reported on my credit report as debt owed. In addition, I have not been able to access my credit report with equifax or dispute these fraudulent debts.
Complaint sub-issue: Information belongs to someone else

This is my XXXX  letter submitted to you informing you that I am a victim of identity theft and I complain to question this items in my file occurred because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud : 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 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 XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem during payment process

I already have an OPEN complaint  XXXX  I have finally established the previous  XXXX  that was 'lost/held in limbo ' was due to an routing number error. Not my fault as I used the same mobile payment system as before. Anyway I s ince posted 3 payments in various amounts to check CITI 's payment processing system. So one p ayment for {$23.00} posted within a day of submitting - payment o f   XXXX   XXXX   posted  XX/XX/XXXX  is  as of today was still being HELD. After a lengthy phone call  to 2 ag ents I was informed it should clear by th e  XX/XX/XXXX .  Thats is absolutely ridiculous. Another  XXXX  posted   XX/XX/XXXX  apparently will clear  XX/XX/XXXX .  I do not understand why my card payments are not posted instantly and reflect in my available credit right away. I can understand  a 24hr  wait but days almost weeks is not acceptable.   I have asked them to call  XXXX  and release the  XXXX  ASAP which they are doing as I type. I am in  a 3 w ay call with my ban k and Citi and I am fumin g why if  XXXX  cleared my bank on th e  XX/XX/XXXX    Citi are  not posting it to my avail. credit. They assure me it wi ll ASAP . However why do I have to go through this process.. all because they say a payment was returned - it was n't returned  by my bank CITI returned it. I have now linked another bank just to see if that pr ocesses quicker but apparently not. I just want to establish how to CLEAR whatever issues they have so I can post my payments in future and they are debited against my card and credit within a reasonable time frame, preferably instantly. ( as did the {$23.00} I paid with the same bank and same mobile app ) THANK YOU
Complaint sub-issue: Account status

Chapter XXXX bankruptcy relieved debt for Pro Collect, which is still reported as derogatory collections even two years after discharge.
Complaint sub-issue: Account information incorrect

All three major credit bureaus, XXXX, Equifax, XXXX. Have refused to erase fraudulent accounts as well as accounts 7 years prior and older on my credit report repeatedly unlawful updating, and refusal to delete after these accounts have not been verified as my accounts. Theyre refusal to identify these fraudulent accounts have brung nothing but hardship on my life after I have done everything by law to dispute these accounts. These fraudulent accounts and 7plus years accounts on my report are as followed : XXXX XXXX XXXX acct # XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX
Complaint sub-issue: Account status incorrect

I sold a townhouse and purchased a condominium on XX/XX/XXXX. Only the condominium was financed through US Bank Home Mortgage. 

In XX/XX/XXXX US Bank Home Mortgage erroneously paid property taxes on the townhouse I had previously owned. This put my escrow account in the negative. It appears that they didn't figure this out until XX/XX/XXXX. Since then I've been charged penalties, late fees and received certified letters threatening 'additional action '. 

I have called customer service about 24 times to discuss this. As the arrearage was not due to an error on my part, I disputed their assertion that I needed to pay for their error. 

I've talked to actual customer service personnel ( in the Escrow department ) a dozen times and have been promised a resolution by their specified date each time. 

They have currently fixed the underlying issue about their error paying property taxes for property I do not own, but not the effects of that error. As you can imagine, my Credit Scores have fallen 150-200 points. I called 'customer service ' again today because their online system now says that my loan balance is {$0.00}. I'm blocked from viewing any details because of the status of my account. Customer service didn't answer but I was given the option for them to call me back within 15 minutes. It's been an hour and they have not responded. 

I'm sending them an Error Resolution Notice under 12 C.F.R. 1024.35 via certified mail today but I have little faith that they will correct the error.
Complaint sub-issue: Investigation took more than 30 days

My payments keep showing as late payments. When they have been on time and effecting my credit score negatively as to close to 100 points..
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax ; XXXX  and XXXX are reporting incorrectly a collection in the amount of {$17000.00} on the XXXX XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I returned the defective vehicle within the time allowed under the Lemon Law. The vehicle was sold at auction and sold for more than the balance owed so consequently, there is no outstanding balance due and owing and therefore nothing to collect. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.
Complaint sub-issue: Information belongs to someone else

I sent a letter to Applied Bank to dispute the information on all three of my credit reports asking for verification. It has now been over thirty days and I pulled my credit report I have not received a response from applied bank nor have they marked any of my reports disputed within the time frame per the fcra
Complaint sub-issue: Information belongs to someone else

On XX/XX/2019 I received an alert from XXXX  that a new inquiry appeared on my credit report. I looked at the report, and the inquiry is from Clarity services and was placed on XX/XX/2019. I did not authorize them to do that. At the same time, I started getting calls from payday loans. I am worried that either my ID got stolen OR that Clarity services is pulling my report for a payday loan.
Complaint sub-issue: Didn't receive enough information to verify debt

ERC [ ENCHANCED RESOURCE CENTERS AT XXXX XXXX XXXX, XXXX, FL XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$880.00} THE COLLECTION HAS BEEN REPORTED AS PASTDUE BALANCE.I DO NOT KNOW THIS COMPANY, I HAVE NEVER DONE BUSSINESS WITH THIS COMPANY, THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE ON IT ......
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX submitting yet another CFPB complaint to request to the Credit Bureaus to properly investigate and correct the dispute account from my Credit Report. The Credit Reporting Agencies continued to report this account as late and claimed that the account is verified but I did not receive any proof of verification or any document for them to claim that the account is investigated and verified. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I AM NOT LATE IN PAYING WITH THIS ACCOUNT! I do not believe I am late on the dates this account reports. Also, I have been keeping my own record of payment and the data this account reports do not match with what I have. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND UPDATE THE PAYMENT STATUS OF THIS ACCOUNT! 

XXXX XXXX Balance Owed : {$410.00} Date Opened : XX/XX/2020
Complaint sub-issue: Indicated committed crime not paying

Was informed that I owe on a old payday loan. Was told their are XXXX actions pending against me.. They said I committed a a fraud by taking out such loan and not paying it back.. They claim the debt was from sometime back in XX/XX/XXXX and it was charged off in XXXX They informed me that they contacted my current employer.. But at the time I was not employed by them.. They also said the debt was sold to them, and I owed them now.. The mentioned my current bank but a old account number.. The also told me my old address.. When I asked them for their company name, their current address, on women told me the name of the company MAC and current location as in front of her desk?? I also pressed for the company that I orginally had the loan from, the account number, the companies ( whom I owed ) current address and contact information.. I was told that they could not and would not provide me with such information ... I was also informed a server would show up and serve me with papers to appear in court.. When I asked them, how is that possible when they did not have my current address. Her reply was the server has it and will show up today XX/XX/XXXX at XXXX Well the time came and went.. I was finally able to get one person who I talked to, to give me her name and email address. Her name was XXXX XXXX, with a email address of XXXXXXXXXXXX ...
Complaint sub-issue: Attempted to collect wrong amount

I settled an account with the original creditor, XXXX XXXX XXXX. This account is paid, settled and closed. However, the collection agency, The Bureau, continues to report to the credit bureaus that the full amount is still owing. This means I would have to pay this debt twice. According to the FCRA, consumers do not pay a debt to the original creditor and the collection agency. I have contacted the collection agency to no avail to resolve the false reporting. The original creditor had to option as indicated in my letter to decline my settlement offer and refer me back to the collection agency, The Bureaus. but XXXX XXXX accepted my settlement offer. According to The Bureaus reporting I still owe a debt that has been settled with the original creditor. This is false information being reported.
Complaint sub-issue: Other problem getting your report or credit score

I've been trying to unfreeze my Equifax account but is unable to do so online or via phone. I have my credit frozen due to Identity theft and these companies inability to secure information. I've always been able to do this online or via phone but for a couple of months now, I am unable to unfreeze my account either way. 
XXXX, XXXX it tells me to call XXXX to be able to log in. I've been logging in for years with no issue. I have then called at least XXXX times but each time, they have a different excuse from the database is being updated, please call again or I'm transferred to multiple people. No one could figure it out. I then called again today and talked to XXXX who said he can't find my account even after I verified all my information from my SS #, address, DOB, etc and he now wants me to send a copy of my ID, etc since he can't find my account in their database. I asked if the information to verify my account is available online but he said he can just tell where to send to this info. I explained that I need to check online and do just send a copy of any of personal information anywhere especially after being a victim of Identity thefts. 
I could really use some help since I'm at my frustrated on how to get this credit reporting agency to get their act together. I am unable to unfreeze my account and obtain credit. 

Thank you.
Complaint sub-issue: Information belongs to someone else

Equifax has committed fraud by putting inquiries on my credit report without my consent. Which is a violation of my rights pursuant to the FCRA ( Fair Credit Reporting Act ) namely 15 USC 1681 and multiple violations pursuant to the FDCPA. These fraudulent reports have damaged my reputation and caused pain and suffering due to the inquiries causing my credit score to drop which in turn affects my livelihood. These " XXXX XXXX  '', " XXXX XXXX '', and " XXXX XXXX XXXX '' Inquiries should be removed from my report immediately.
Complaint sub-issue: Account information incorrect

XXXX/Preferred Lease has reported my account as delinquent for 90 days with a balance of XXXX . However, I have made no late payments and was offered a furlough payment in XX/XX/XXXX. I paid off my balance in full in XXXX and the company reported my account as settled and delinquent. This information is not correct, I did not settle, I paid the full balance in full on XX/XX/XXXX, earlier than my leasing end date. They immediately made a report to the credit bureaus only 6 days later that this account is settled and delinquent. I have been in touch with the company and they stated that they would " look into this '' and I should hear something within 30-60 days. This has hindered me from closing on my house. If they were so quick to report inaccurate information, then I believe that they can quickly fix this error. This is a criminal act of inaccurately reporting my credit, hindering me from obtaining any future credit or closing on the house.
Complaint sub-issue: Debt was result of identity theft

I am in the XXXX XXXX, I currently am XXXX in XXXX XXXX. In XXXX I was made aware of an account in collection for an account opened in my name via identity theft. I called the XXXX XXXX Police Department on XX/XX/XXXX at XXXXPST. The case number is XXXX. The account was opened in XXXX Texas with XXXX XXXX XXXX XXXX on XX/XX/XXXX - XX/XX/XXXX. The account went delinquent on XX/XX/XXXX in the amount of {$3200.00} and was turned over to Hunterwarfield on XX/XX/XXXX. I have submitted an affidavit and the account number with Hunter Warfield is XXXX.
Complaint sub-issue: Debt was paid

Debt was defaulted in XX/XX/XXXX. Discover continues to fraudulently report that I made payments until XX/XX/XXXX, thereby re-aging the accounts and keeping them on my credit report.
Complaint sub-issue: Talked to a third-party about your debt

On Friday XX/XX/2018 at XXXX in the XXXX, I received a text message from a receptionist at NCMI on their personal cell phone, asking what my husbands middle name was. When I responded asking her How come she proceeded to tell me that my husband and myself have accounts in their office with XXXX XXXX. I feel that this is a direct violation of my privacy, as to why a receptionist is looking into my account and contacting me on her personal phone when we were unaware of having any accounts in the office before this. I IN NO MEANS HAVE EVER REQUESTED INFORMATION FROM HER PERSONALLY NOR PROFESSIONALY.
Complaint sub-issue: Reporting company used your report improperly

Several reporting agencies are using our medical collections which is a violation through hippa
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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