Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Contacted me after I asked not to

Seterus continues to contact me after many months ago I notified them via the CFPB to stop contacting me until they can provide legal documentation regarding their servicing of the account. They have provide every document except anything that is any way legal and regarding the ownership and servicing of my mortgage. I have asked them several times to stop harassing me and have asked for the proper documentation multiple times as well and they continue to do nothing but harass me. 

I would also like the add that I never provided anyone my cell phone number regarding this account. XXXX 'farmed ' the number but assured me via the CFPB that they had removed the number from the account so I would also like to know how Seterus acquired my well protected personal phone number?
Complaint sub-issue: Old information reappears or never goes away

Please investigate and delete the following account as the last payment on the account was made over XXXX  years ago : XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Complaint sub-issue: Problem with personal statement of dispute

I notified companies that reported to the credit reporting agencies that there was fraud committed about my credit that they reported.However these concerns went unresolved and more fraudulent actions were taken against me. I sent registered letters explaining that I had never used or made any transactions nor permitted any one else to make any transactions, and that I requested any and all information including a original contract signed by me also all receipts signed by me that was used against my credit any payments that I made concerning these fraudulent accounts. I explained that I would gladly payoff these accounts if they were mine if they can produce the things I requested to prove that I am responsible for these debts. All of these complaints and letters have fallen on deaf ears
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 rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # 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 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 item 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

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Complaint sub-issue: Debt was paid

XX/XX/XXXX I received an alert from my credit reporting agencies that Enhanced Recovery Co L had reported a derogatory account on both XXXX  and XXXX. The debt was for XXXX XXXX XXXX in the amount of XXXX. I had not received any mail or calls from this company regarding the debt. I disputed the debt with both reporting agencies. The debt was deleted from both agencies XX/XX/XXXX. 

The debt was a mistake on the part of XXXX XXXX XXXX. We had discontinued our service and closed the account. XXXX had paid XXXX XXXX XXXX the remaining balance. XXXX XXXX XXXX had continued to charge us after the account was closed. We contacted them and they admitted to their mistake, and made it clear the account was settled and we didnt owe. 

On XX/XX/XXXX I received an alert again from both XXXX  and XXXX  that Enhanced Recovery Co XXXX had placed another derogatory mark on XXXX and XXXX, for the same XXXX XXXX XXXX debt that was deleted from the reporting agencies in XXXX of XXXX. Again, I never received any contact prior to the report to the credit agencies. On XX/XX/XXXX the derogatory mark was deleted again from both agencies. I spoke with XXXX  and they informed me that Enhanced Recovery Co XXXX reported the same debt, using a different account number after it was deleted the first time.
Complaint sub-issue: Talked to a third party about my debt

Yesterday, on XXXX/XXXX/16, I called CSO Financial, INC/ Credit Services of Oregon with a question regarding the itemization of a bill with their company. During my initial contact, CSO financial released Personal Identification Information on the phone, before verifying who they were speaking with, including birth date, address, and name. I explicitly requested them not to disclose such information, that I would provide verification of those details myself. In response, the collector laughed at my request and continued to provide Personal Identification Information. I asked to speak to a manager regarding this situation. He then transferred my call to another collector 's voicemail. I returned the cal a minute later, and my call was immediately transferred to voicemail, without being picked up or acknowledged. 
I called back a third time through a different phone routing option and asked immediately to be transferred to a supervisor/manager, and was transferred to a voicemail box. I left a detailed message. I have yet to receive a return call. 

I feel that CSO financial may be inadequately securing consumer personal information, and I am concerned that there is no recourse within the business to escalate
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Complaint sub-issue: Investigation took more than 30 days

Disputed items were sent via mail and the credit bureau has not replied in the time frame required by law.
Complaint sub-issue: Attempted to collect wrong amount

On   XX/XX/XXXX , I  went to the gas station to fill up a loaner while my car was repaired. Much to my surprise my card was denied.     Another customer told me there 's was also so I assumed it was the gas station and went down the street. The same thing happened but this time I decided to call    XXXX   XXXX   be cause I was in a rough area. Much to my surprise I was told my account had a hold and given a toll free number to call! I called eight times and only reached voicemail - finally I left a message.     The following day I called again - this time I reached a person. I was advised I had a tax debt to the State  of  XXXX    fro m  XX/XX/XXXX ,  XX/XX/XXXX   and  XX/XX/XXXX . Is n 't there a statue of limitations? Do n't they need to advise me?     Not to mention I live in  XXXX  now.     The representative asked me how much was on hold and where I banked. Assuming they already knew, I gave her the information. The representative told me the only way she could release the hold was if I paid in full by credit card.     I tried to reason with the representative and explain the hardship - that coincidentally my lights were cut off and I was already experiencing financial hardship after the death of my mother. Can I make payments? No.     Regardless, that they took every dime I own.     I hung up the phone and called my bank as well as the State to no avail. While I spoke to the bank, I pulled up my bank account and noticed a debit for {$1200.00}. While I was asking for an arrangement the representative processed a debit!     Surely, this can not be legal!     To  imagine the State of    XXXX   allows malicious collection activities at the discretion of  Premiere Credit!      I can not explain the hardship this has caused - currently I am unable to pay m y  XX/XX/XXXX  re nt, I borrowed a payday loan in order to restore my electric, my car payment was past due ( fortunately they deferred my payment ) and my car insurance is due. I attempted to prevent my next check from being direct deposited but it appear s it may not have  been processed - so they will consume another {$1500.00}!     I just received a notice from  XXXX  about the hold/levy o n  XX/XX/XXXX .
Complaint sub-issue: Their investigation did not fix an error on your report

A collection was recently removed off my credit report and added back on. The collection agreed to remove it and provided me with a letter for confirmation.
Complaint sub-issue: Information is missing that should be on the report

Good payment history with companies only one missed payment would like to have removed from credit reports.
Complaint sub-issue: Debt is not mine

I 've been a XXXX customer for many years, I added a new phone account for my cousin. She purchased the phone plus a new number under my account. I recieved on my credit report that I owe {$110.00} and was sent to collections. I contacted XXXX, they said I 'm up to date on my payments. That I should contact the collection agency and dispute it immediately.
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent my disputes to the bureaus and as of today over 60 days later I have not received a response back pertaining to the misleading unverified accounts that I listed within my letter. I know we all make mistakes but this has truly caused stress in my life and I personally do not understand why I am being ignored I know that the bureaus receive thousands of letters each day therefore i am requesting a full independent investigation of the accounts i mentioned. I also discovered that I was apart of the equifax data breach so it is possible that my information got into the wrong hands. Thank you for promptly responding to my request.
Complaint sub-issue: Frequent or repeated calls

Dates I've been contacted : XX/XX/19 ( two times ), XX/XX/19, XX/XX/19, XX/XX/19 ( three times ), XX/XX/19 ( five times ), XX/XX/19 ( two times ), XX/XX/19 ( two times ), XX/XX/19 ( five times ), XX/XX/19 ( three times ), XX/XX/19 ( two times ), XX/XX/19 ( two times ).
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX  ( Original Creditor : XXXX  ) XX/XX/2021, 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: Received bad information about your loan

I have been denied 6 times for teacher loan forgiveness. I have been over my paperwork 6 times with FedLoan Servicing and they don't understand why I am getting denied either. I have been told that I can not speak with anyone at the government level and that I can only communicate with FedLoan Servicing. FedLoan has even talked to my employer, XXXX XXXX XXXX, to confirm employment for 5 years and I keep getting denied. I need a concrete answer as to why I am being told I have not done 5 years of service when I have. Where is the lapse in my service so that I can understand how to fix it if there is even an error on my part. Thank you! 

It is my understanding that you can teach at different schools within a district as long as the schools are Title 1. In XXXX, I had split duties between XXXX XXXX XXXX and XXXX XXXX XXXX. In XXXX, I was assigned to XXXX XXXX XXXX. From XXXX, I was assigned to XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I never authorized this company to do a hard pull on my credit. I was told there would be a soft pull on my credit by a third party but I never spoke to a representative of this company myself.
Complaint sub-issue: Delay in processing application

I applied for citi bank credit cardXXXX " Citi Rewards+ ( SM ) Card '' at XX/XX/2019 and got approved at XX/XX/2019 XXXX Please see the attachment file ), I did not receive that credit card until now, the citi bank kept telling me " Citibank has received returned mail from the Post Office pertaining to your account. " However, I checked my address which is correct and I also received the debit card from citi bank successfully which means there is nothing wrong with my address. I made couple calls to citi bank credit card department, they kept telling me can not locate my account and just hang up on me. It has already been 5 months after I got approved of the application but I still haven't receive the card, I don't know what to do.
Complaint sub-issue: Their investigation did not fix an error on your report

I informed XXXX XXXX XXXX that I didnt open a credit card that I found on my credit report and they wont take it off. They told me that the account was sold to a collection agency and when I did research the company is out of business. I have been disputing it with credit agency for months and they wont remove it. Its fraudulent and I want it removed from my credit file
Complaint sub-issue: Information belongs to someone else

The following accounts have been opened fraudulently without my consent. According to the fair credit reporting act section 109 these accounts must be removed or I will pursue legal action. The first fradulent account opened was XXXX XXXX XXXX and it is dated opened XX/XX/XXXX and the total charges are {$430.00}. The second fraudulent account is XXXX AND ASSOCIATES that is dated opened on XX/XX/XXXX and the total fraudulent charged are {$770.00}. I demand these accounts be removed immediately.
Complaint sub-issue: Problem with personal statement of dispute

Equifax refuses to fix to fix credit i have called each of the company 's and have no account with them this has been going on since XXXX up XXXX they proof they refuse to investigate .The problem is our information is is shared so many times with one company i no of XXXX XXXX XXXX, they never fix the problem but pay bounty 's to Hackers when you file a disputes this is what you get, he information you disputed has been received. The results are : Inquiries are a factual record of file access. Should you have reason to believe this inquiry was unauthorized, Please contact the creditor directly, ever time, it getting old the data breach did nothing. i like fic and investigation it not hard to pick up phone like i did and call, if can you can pay out thousands of dollars to XXXX and one other company to hack you should pay for your mistake, this is proof they don't investigate, i never lived at this address, XXXX XXXX XXXX, XXXX XXXX, NC XXXX This is a fraudulent address. it says it part of my factual record. what a joke
Complaint sub-issue: Information belongs to someone else

Several years ago I was a victim of identity theft. Numerous accounts were opened in my name, as well as attempts being made to apply for credit. Upon becoming aware of the situation, I reached out to all credit bureaus and alerted them of the situation. All fraudulent accounts were removed after my identity being stolen was validated but the credit bureau has refused, and not given an explanation, as to why my inquiries have not been removed.
Complaint sub-issue: Attempted to collect wrong amount

I have attempted numerous occasions to handle debt with original collector. The equipment was returned and was to be credited to account after receiving. I want to see this debt removed from my credit report.
Complaint sub-issue: Debt is not yours

On XXXX XXXX, 2017 I received a letter stating I owed ERC ( XXXX XXXX XXXX ) a debt of {$360.00}. The letter references XXXX XXXX which I do not have and have not had. I called the number provided by ERC ( XXXX ) and gave them the reference number and account number on the debt they mailed me. After providing them with my information and the information of the letter, several representatives were not able to find any account or debt listed under my name. The letter states that they are going to report this on my credit score if I do not respond. I 'm very upset and believe they have the wrong information because I do not have XXXX XXXX  and they were not able to find my " debt '' with information THEY sent me. I believe they are fraudulent accusations.
Complaint sub-issue: Information belongs to someone else

I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus have not helped me with removing them. I reached out to all 3 of the credit bureaus to have these items blocked/removed but they have only received my request to block these said fraud accounts, through the 605 ( b ) laws, as i've sent in a cover letter, ftc report, list of fraud item, and proof of identity. I've sent the necessary documents over and over. But these bureaus continues to tell me over the phone that they are still working on their investigation and its been several months since they've received notice. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to take to remove the identified identity theft items off of a consumers report, that is LAW! 605 ( b ) FCRA, so why are these items still on my report? Because these bureaus are willfully and knowingly being negligent of identity fraud. This has to stop! I AM PREPARED TO SUE.
Complaint sub-issue: Reporting company used your report improperly

On the morning of XXXX/XXXX/XXXX I learned, via The XXXX XXXX that Equifax experienced a data breach starting in XXXX XXXX lasting until XXXX XXXX that included significant personal identifying information, including social security numbers and credit card numbers. I subsequently learned that they had set up http : //www.equifaxsecurity2017.com/ and used that website to check if my data was included in the breach. 

According to the website, they thought I might have been. I tried to make sure I had not agreed to their arbitration clause and did not sign up for their " free '' credit monitoring program, and mailed them a letter to that effect. I expect it to be postmarked XXXX/XXXX/XXXX. 

I also called XXXX to initiate a 90 day fraud alert. The call was placed at XXXX PM on XXXX/XXXX/XXXX from my cellphone and lasted 3 minutes and 49 seconds. 

I have been told that I should freeze my credit, but also that it costs money to do so, as well as to later thaw it, and that I would have to do so with Equifax as well as XXXX and XXXX. This is unacceptable since Equifax is responsible for losing my data. 

Additionally, Equifax did not notify me that they had a breach, and they did not publically announce it via press release until well over a month after it happened. Their equifaxsecurity2017 website looks like a phishing scam and has a forced arbitration clause as well as a class action waiver in its terms of service, and it never presented any such terms to me nor did it ask if I agreed to them, rather I later learned of them via social media.
Complaint sub-issue: Their investigation did not fix an error on your report

Enclosed, is a NOTICE and DEMAND for SETTLEMENT to Equifax Information Services LLC for willful inaccurate credit reporting to my Equifax credit file. Detailed in my Notice and Demand for Settlement is a list of all violations committed by Equifax as well as an invoice for {$88000.00} pursuant to [ 15 U.S.C 1681n ]. Also enclosed are ( 8 ) highlighted Equifax credit files detailing ( 11 ) violations on each report.
Complaint sub-issue: Need information about your loan balance or loan terms

regarding complaints ID XXXX & XXXX I have submitted today and I want to submit additional documents. According to the company response that I never agree with because the information are not true. Please find attached documents for your review. 

name on loan is XXXX XXXX I am XXXX XXXX is person who applied, be responsible for the loans and dealing with loan service for errors they made and forced the borrower to accept the loan term even borrower never agree with.
Complaint sub-issue: Account information incorrect

I look on XXXX XXXX daily. I saw a company called XXXX XXXX XXXX as a hard inquiry on my credit report on XX/XX/2018. I never authorized my credit to be ran by this company. I do not want a car. I have one. I contacted the fraud department. After researching they told me that The application was done online and they do not have a hard copy and my SS # is one number different than the applicant and the credit bureau accidentally merged our information. I called the credit bureau Equifax and they stated it is not possible to have that happen and to call XXXX and have them submit an electronic request to have the hard inquiry removed from my credit report. When I called XXXX back they said they could not help me and transferred me to their parent company XXXX XXXX. XXXX told me XXXX will just keep transferring me to them bu there is nothing they can do because they do not have an application from me to even discuss with the credit bureaus about. I am all out of options. Everyone keeps telling me they cant help me. I am being penalized for something i did not do and I need the help of the CFPB to get this fixed. I understand an inquiry does not have a large impact on my credit score but I have a good amount I did myself and I am getting ready to purchase a home in the future and I do not want to be penalized for something I never did. Please help me. 

XXXX XXXX
Complaint sub-issue: Personal information incorrect

on XX/XX/2018, i sent Equifax a certified letter, asking to remove OLD addresses and the various names that are listed on my credit report. They have NOT made the corrections, I sent a copy of my drivers license bearing my correct address along with copies of utility bills and even had it notorized!! The address that need to be removed are- XXXX XXXX XXXX   , XXXX XXXX , Va XXXX XXXX XXXX XXXX , XXXX XXXX Va XXXX  My name is XXXX XXXX the names to be removed are XXXX XXXX  and XXXX XXXX This is inaccurate reporting, I cant not be reached at these addresses by United States Postal Mail . They have failed to update their database, and the entries should be deleted.