Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was result of identity theft

I have contacted Enhanced Recovery Services located at XXXX XXXX XXXX | XXXX | FL | XXXX over 50 times starting XXXX XXXX to present to delete a negative credit reporting on a fraudulent XXXX account. On XX/XX/2020 XXXX issued a letter of deletion to the bureaus and directed ERC to remove immediately as it was under ERC name. XXXX is no longer a client of ERC and therefore I was not required to pay ERC any money. I have also requested a full refund but have not heard or received anything from. As if this date, the negative reporting is on all 3 bureaus. I have tried to contact their corporate office called The Office Of The President but it goes straight to voicemail after 15 attempts. I am in escrow since XX/XX/2020 and this has caused a severe delay in closing my loan and is causing me a financial hardship, as well as a low credit score affecting my loan approval.
Complaint sub-issue: Attempted to collect wrong amount

I received a CP2000 from the IRS indicating I had received a 1099C cancellation of debt from Citibank in the amount of {$20000.00}. Ive called Citibank, they have no record of my SS # or the account listed by the IRS. 

I called Citibank on XX/XX/202XXXX XXXX
Complaint sub-issue: Attempted to collect wrong amount

THIS COMPLAINT AGAINST XXXX  AND RISE/XXXX demands CFPB attention for prosecution.RISE /XXXX  in XXXX told the CFPB that the Supreme Court decision in XX/XX/2018in California did not apply to them.An untrue statement since the decision ( attached ) applies to all consumer loans over {$2500.00} originated in California XXXX 
The Supreme Court says this RISE LOAN, ACCT XXXX Appearing on XX/XX/XXXXis " unconscionable '' as to it's rate of interest ( about 160 per cent APR ) and violates CALIFORNIAS UNFAIR COMPETITION LAW contained in CALIFORNIAS BUSINESS AND PROFESSIONS CODE.Another false statement of Rise in their attached CFPB response says that the loan was a refinance not a new origination.Although I had paid off a RISE loan 6 months before this was a new origination, {$3500.00} at {$260.00} bi -weekly repayments for 15 months ... ( calculates to over 160 % APR, the SUPREME COURT SAID THAT 96 % AND 135 % APRS WERE UNCONSCIONABLE IN THE DE LA TORE VRS CASHCALL INC. case decided by them. 
THIS SUPREME COURT DECIDED THAT RISE BUSINESS AND BUSINESS PLAN OF UNCONCIONABLE RATES IS ILLEGAL UNENFORCEABLE, PROSECUTABLE IN CALIFORNIA. 
A CLASS ACTION CASE AGAINST RISE IS LIKELY COMING SOON ENTIRELY BASED ON THE SUPREME COURT DECISION OF XXXX XXXX XXXX LAW OR THE PRINCIPLE OF XXXX IS NOW OVER. 
MY LOAN SHOULD BE DELETED AS UNCOLLECTABLE IN ANY COURT OF LAW, DUE TO UNCONSCIONABLE INTEREST RATE AND OTHER RISE BUSINESS TACTICS. 
EXPERIAN IN THIS CASE CAN NOT EXEMPT THEMSELVES AS MERELY A REPOSITORY.EXPERIAN MUST ACT TO DELETE THIS LOAN DETERMINED BY THE HIGHEST COURT IN CALIFORNIA AS " UNCONSCIONABLE '' DUE TO ITS INTEREST RATE, AND THEREFOR EXPERIAN CAN NOT BE USED AS A COLLECTION TOOL OF XXXX RISE WANTS TO SUE, GO AHEAD, '' BE MY GUEST '' THE CROSS-ACTION WOULD BE WONDERFUL FOR ME ( $ $ $ $ $ XXXX ''.
Complaint sub-issue: Was not notified of investigation status or results

These accounts are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 45 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me. It is clearly stated in Section 611 ( a ) that failing to investigate these matters within 30 days gives a reason to immediately remove these things off my credit report immediately. It has been 45 days, so they should be erased immediately.
Complaint sub-issue: Account status incorrect

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under 1666b. 

XXXX account # XXXX days late on XXXXXXXX XXXX
Complaint sub-issue: Information belongs to someone else

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX
Complaint sub-issue: Investigation took more than 30 days

I have filled a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Complaint sub-issue: Contacted you after you asked them to stop

I am reporting a debt collector that I have reported several times in the past. The name of the company is Enhanced Recovery and the last time they called it today,  XXXX   XXXX , at  XXXX . The telephone number is  XXXX . They have been calling for years and they never leave a voicemail message. I have talked wi th one of thei r representatives and told them to stop calling.
Complaint sub-issue: Received bad information about my loan

I am a highly qualified   XXXX   XXXX   XXXX  . I joined the  XXXX  force in   XXXX   through an alternative licensing program (  XXXX   XXXX   XXXX   ).  In order for me to   XXXX   XXXX   XXXX  , I had to take and pass multiple  XXXX  exams to ensure my highly qualified status. I was on a transitional   XXXX   XXXX    for two years before receiving my full, non-transitional license. I applied for   XXXX   XXXX   XXXX   with NelNet for my 5 years of   XXXX   XXXX   XXXX   service. I was denied because of my transitional license. I was informed by the Department of Education in Tennessee that my transitional license years should count toward my service. NelNet refuses to acknowledge this and contin ues to deny my application.
Complaint sub-issue: Investigation took more than 30 days

I WAS LOOKING TO START A NEW BUSINESS WANTING TO RAISE SOME CAPITAL FOR THAT BUSINESS. THE BANK I HAVE AN ACCOUNT WITH INFORMED ME THAT I HAVE MANY ACCOUNTS THAT ARE NOT IN GOOD STANDING. I KNEW THAT THIS WAS NOT THE CASE I LOOKED AT MY CREDIT REPORT AND THESE ACCOUNTS ARE NOT MY ACCOUNTS. I NEVER SIGN FOR THESE ACCOUNTS NOR DO I HAVE ANY BENEFICIAL INTEREST IN THESE ACCOUNT THEY NEED TO BE REMOVE ASAP FROM MY FILE.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/XXXX, I sent an investigation request to Equifax. They were supposed to investigate errors on my report, and send the corrections to me within 30 days. They have failed to do so.
Complaint sub-issue: Card opened as result of identity theft or fraud

Some applied for a line of credit in my name with Citibank that I did not authorize. 
I was advised that the inquiry would be removed from my report in 30-60 days. 
The initial call was XX/XX/ 2022, and it has not be removed.
Complaint sub-issue: Debt is not yours

I checked my credit file for all three-credit bureau, and I notice this debt or collection account does not belong to me. This company is listed in collections and I have no knowledge of this debt.
Complaint sub-issue: Debt was paid

Discover filed a 1099c for the debt, and it has been settled with my 2020 Tax Return. Discover should either remove the debt off the report, report the balance as XXXX. 

Theyre still reporting negative remarks on report.
Complaint sub-issue: Debt is not yours

( 1 ) I contacted National Recovery Agency ( NRA ) to verify the bill and they failed to respond within 30 days.

( 2 ) NRA reported an aged bill ( that I have paid it ) to my history without any notice before its 180-days period. 

In fact, the information in a collection account on my credit history is not mine. I had a bill on XX/XX/2018 from a medical centre inside another medical center that I have paid both bills within 180 days for medical bill. 

Please see the attached proofs.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX A 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 us 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 n 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 XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Can't close your account

I opened a Fidelity Rewards Visa Signature credit card from XXXX, but in these latest two years, I didn't use it. This XXXX, I received a call from this credit card company, and they told me that I owe them {$180.00}. I'm so confused about this money because I didn't use this card for a long time. They told me I was charged {$25.00} on XX/XX/XXXX, and I didn't pay the bill, including all the late fees and interest. I owe them {$180.00} in total, and they also closed my account. I lost all the reward points earned at this account. I talked to them. I haven't used this card for a long time. I didn't know why I was charged and why I have to pay this money. In the end I still paid the money because if I don't pay, they'll keep charging the late fees and interests. At the same time, I also filed a fraud case. About a week later, they found out that the {$25.00} charged on XX/XX/XXXX was fraudulent. They agreed they would refund me {$180.00}, but they can't reopen my account. I had about XXXX points in that account, and I would lose about {$1200.00} if my account can't be reopened. I believe it's all due to miscommunication. I didn't even know there was a fraudulent charge on this card since I didn't use this card for a long time. 

By the way, I also found that some of my rewards points were expired. The Fidelity Rewards Visa Signature credit card I used is described in the following webpage : https : //www.fidelity.com/cash-management/visa-signature-card It clearly states, " Every eligible net {$1.00} spent equals 2 Reward Points. No limits on total Reward Points and no restrictive categories, Reward Points will not expire ''. I was never told that the reward points would expire and there wasn't any place I've seen that indicated that the points would expire, so I never thought of checking my rewards status. Recently, I checked my statements and realized that there are only XXXX points left in the account, while my record showed on XX/XX/XXXX that there were still XXXX points in the account. and I never redeemed the points since the card webpage said " Reward Points will not expire ''. 

I hope they can reopen my account with all of my reward points reinstated.
Complaint sub-issue: Account status incorrect

ON XX/XX/2020, I PAID XXXX XXXX IN FULL TO CLOSE MY ACCOUNT. ON XX/XX/2020, XXXX XXXX REPORTED MY ACCOUNT AS CHARGED OFF TO ALL THREE MAJOR CREDIT BUREAUS.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX  are reporting past due on the XXXX account that has a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. I have disputed this directly with the two bureaus and still this has not been corrected. It is impossible to be late on payments that have a {$0.00} balance and {$0.00} past due.
Complaint sub-issue: Information belongs to someone else

I had fraudulent activity going on my credit report awhile back & called Eqiifax about it & when they investigated on it, they seen it was fraud & gave me conformation number showing that they have removed the 4 hard Inquiries from my credit report & address XXXX XXXX XXXX XXXX that wasn't mine, never lived there. They never removed anything & they can't give me a confirmation showing they have removed it but never did That's illegal & I can file a lawsuit for falsifying documents.
Complaint sub-issue: Problem with personal statement of dispute

I, XXXX XXXX XXXX, have received post correspondence from XXXX XXXX regarding XXXX XXXX alleged Stafford Loan XXXX. I demand that you disclose all the documents upon which you are relying on. In accordance with your obligations under the Fair Credit Reporting Act 15USC1681 ( g ) the consumer is intitled to said records the requested records. The information you are reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of inaccurate reporting. I demand disclosure of the following documents : Uncontested WET INK signature. Not a copy or electronic signature. 
Written WET INK requests for deferments. 
If your company can not provide the requested WET INK signatures allegedly signed by XXXX XXXX you must DISCHARGE THIS DEBT and correct ALL inaccurate information being reported in my credit report being published by your company.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXAccount # 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: Information belongs to someone else

In XX/XX/XXXX an alleged debt originated with XXXX XXXX was reported by XXXX XXXX. I demanded validation because I knew the debt was either too old to be my debt or it simply was n't my account. I have not authorized any utilities in my name since I married my wife. Those types of accounts always go in her name. XXXX XXXX did not validate the account they removed the account from my credit report because they lacked the evidence to support their claim. Now XXXX XXXX has purchased the same debt and is reporting the open date asXX/XX/XXXX. I did not authorize the account and on top of that they are intentionally reporting the unauthorized debt as a much newer account than what it actually is.I have included a copy of my old credit report to prove at a minimum the account opening date is invalid. XXXX XXXX needs to validate this debt prior to continuing its collection efforts. Additionally, XXXX has re-added this negative information although the previous owner has failed to provide any form of debt validation after being requested. Finally, I have filed an identity theft report to report this theft. .As stated previously, I did not authorize the opening of the account which is why I demanded validation of the debt in the first place.
Complaint sub-issue: Investigation took more than 30 days

I am uploading a copy of the letter I sent to Equifax 2 months ago. I still have n't received the first response from Equifax, despite follow-up letters asking for an excuse for their delay. I received responses from XXXX XXXX and XXXX over a month ago already.
Complaint sub-issue: Information belongs to someone else

I value your help to DELETE a portion of the data in my credit file that came about because of a FRAUD yet I have certain Accounts passed on that should be removed. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX  XXXX Balance : {$110.00} ; XXXX  XXXX Balance : {$140.00} ; XXXX  XXXX Balance : {$180.00} ; XXXX  XXXX Balance : {$66.00} ; XXXX  XXXX Balance : {$50.00} ; XXXX  XXXX Balance : {$50.00} ; XXXX  XXXX Balance : {$50.00} ; XXXX  XXXX Balance : {$90.00} ; XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$90.00} XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX Balance : {$110.00}
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) I called and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX   have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Complaint sub-issue: Problem with rewards from credit card

I applied for and received a Citi XXXX XXXX Mastercard. The promotion stated that XXXX AA miles would be awarded if {$2000.00} was spent in the first 3 months. I questioned the representative on the phone about my individual case, because I had had a Citi AA Mastercard previously, as to whether I would qualify for the bonus. I was assured that I would receive the bonus. Acting in reliance on this representation, I continued with the application and completed the purchases as required. I phoned Citi AA Mastercard today, XX/XX/ 2019, and inquired as to when my award would be credited. I was informed that I did not qualify for the promotion, because of my prior card within 24 months and that there was a disclaimer included with the card which was sent to me. My objection is that Citi encourages credit card applications with verbal assurances, and then refuses the award asserting a written disclaimer amongst the Citi terms and conditions. This is deceitful misrepresentation to promote a credit card and con a consumer.
Complaint sub-issue: Attempted to collect wrong amount

On XX/XX/XXXX, I have received an ACCOUNT STATEMENT GOOD THROUGH XX/XX/XXXX FROM Alliance CAS, located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Phone XXXX XXXX XXXX, e mail : XXXX stating the amount of {$6300.00} will be sent to collection. 
Alliance CAS letter did not give any details and how those amounts were arrived at. At this point, I would like to bring to the attention of CFPB as follows : 1. Original Complaint No : XXXX was made on XXXX/XXXX/XXXX XXXX. Alliance CAS reply received through CFPB on XX/XX/XXXX XXXX. I was given 60 days to respond. 
4. Due to XXXX problems that led to XXXX my mobility was restricted during the month of XX/XX/XXXX leading to part of XX/XX/XXXX. 
5. I have contacted CFPB explained the circumstances that were beyond my control. 
6. I was given a 15 days grace period to respond to the reply of Alliance CAS. 
7. Finally I have given my response on XX/XX/XXXX under a new Complaint under file XXXX : XXXX honestly believing that this response will be forwarded to Alliance CAS without fail. 
8. I was told that I have to submit my response to the answer to Alliance CAS under new clam # XXXX which I did. 
9. Since I did not get any response, contacted CFPB by phone on Friday XX/XX/XXXX only to find out the contents of File # XXXX were never forwarded to Alliance CAS. 
9. By not forwarding my reply, I strongly feel my rights to be heard were compromised. 
10. The Agent, XXXX informed their system did not recognize the XXXX # XXXX as my response to the response of Alliance CAS . 
11. XXXX informed that I should make another New complaint adding the above two File XXXX. 

Hence, I hereby submit a new claim and attach the following documents in support of my claim for your review, verification and resolution of my agonizing XXXX issues Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Didn't receive notice of right to dispute

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

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Complaint sub-issue: Their investigation did not fix an error on your report

Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$6300.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately. 

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Complaint sub-issue: Old information reappears or never goes away

I received a copy of my credit report and I notice I have an account that needs to be updated and others accounts that are too old. Please updated XXXX   account XXXX XX/XX/XXXX balance {$49.00} ( account was paid in full, balance is XXXX ) Please remove, account too old XXXX account XXXX XX/XX/XXXX ( 8 years ) Please remove, account too old XXXX XXXX  XXXX XX/XX/XXXX and XXXX   XXXX XXXX XX/XX/XXXX ( 11 years )