Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Debt was paid

I was just made aware by a credit monitoring alert that ERC or Enhanced Resource Centers, which shows up on my credit as Enhanced Recovery, has put a collection on my account for {$1100.00} on XXXX/XXXX/15. I have never been contacted by this company! And in fact this collection used to be owned by XXXX as a XXXX collections and they removed it from my credit in XXXX 2015 due to the fact that it is not a valid debt and the correspondence had been sent to an address I have n't lived at for 10 years, which is 6 years before I ever had XXXX. Not to mention what they claimed I owed was for receivers I sent back through the company 's mailing process and 2 months of service which I could n't have used since I cancelled it and I did n't have the receivers because I had moved from the service address.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX  account ending in # 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. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX
Complaint sub-issue: Trouble with how payments are handled

I had XXXX student loans through XXXX XXXX that are now being serviced by American Education Services. XXXX loan, taken out in XX/XX/XXXX is for just over {$30000.00} at a 2.18 % interest rate, monthly payment of {$160.00}. The other is for about {$18000.00} taken out in XX/XX/XXXX with a XXXX. 25 % interest rate, monthly payment of {$120.00}. I am very diligent about paying these and was always making extra payments when they were with XXXX. When they went to AES, I had to set up automatic payments again. I pay an extra amount of {$70.00} every month and instructed AES to always apply this to the loan with the higher interest rate. They have ignored my instruction for the past XXXX months and continue to apply the extra payment to the loan with the smaller rate " because I am paid so far ahead on the other loan. '' I have tried to explain to them that this is my intention- of paying the higher interest rate loan off early. After XXXX written instructions of how to apply my payments, I spent many hours on the phone with multiple people who insured me this would be taken care of. The most recent payment was applied completely wrong, they did n't even apply the minimum payment to the loan with the higher interest rate and instead applied almost all of the {$360.00} to the loan with the smaller rate. They are intentionally making it impossible for me to pay down XXXX of my loan balances early. I have been hung up on after being on hold after XXXX minutes, I have been transferred to XXXX different people every time I call with XXXX minute wait times between transfers and also have been put on hold for XXXX minutes while whomever I am speaking to " reviews '' my loan. I want to pay down my loan with the higher rate but they are refusing to apply the payments correctly. I have complained to supervisors and this still can not be taken care of. Both of these loan were refinanced when they transferred to AES. I had already been paying on them for XXXX out of the XXXX year term and now they have been stretched out again to another XXXX years from XXXX XX/XX/XXXX, also forcing me to pay longer on loans. AES is doing everything possible to insure I pay on more for these loans than the original lending terms and not allowing me to pay them down early by manipulating how payments are applied.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$750.00} XXXX XXXX : {$0.00} XXXX XXXX : {$100.00} XXXX - XXXX XXXX : {$1400.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX {$270.00} XXXX XXXX : {$320.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX : {$750.00}
Complaint sub-issue: Problem with product or service terms changing

Due to the recent Equifax hack, which left over XXXX XXXX people 's personal data exposed and at risk, I have had to freeze my credit report with all three major credit reporting companies. The process of freezing credit reports cost me {$7.00} per company, or {$22.00}. I find it offensive and immoral that I need to pay the company that left my personal information unsecured in order to prevent identity theft, possibly for the rest of my life. Each time I intend to apply for a line of credit I will need to incur costs for each unfreezing and subsequent refreezing of my reports as well. The lifetime cost of this hack may result in loss of hundreds of dollars per individual.
Complaint sub-issue: Old information reappears or never goes away

They have been reporting a old child support account since XX/XX/XXXX. I disputed it in XXXX and was told that it was deleted because it had been more than seven years since it first became delinquent. I received a copy of my credit report yesterday and the account wasnt on the credit report I got. Now its back on there and I had to dispute it once again because they claim that the first date of delinquency is now XX/XX/XXXXof this year. I have a copy of payment history which is from the creditors showing whats being reported is a lie. I dont understand how a negative account can show on my credit report for ten years. They dont report child support in a way to help your credit and thats what I told the guy. Equifax in my opinion re-aged that account in a way to make money off of me. I can prove that account isnt showing on this report I got yesterday and they admitted that the first date it was reported wasXX/XX/XXXX. I feel like Im being treated very poorly by the company and not to mention the breaches that keep happening. Please help me hold them accountable and I have no problem sending you the documents I have to prove that division of child support wasnt on there
Complaint sub-issue: Debt was result of identity theft

LJ ROSS ASSOCIATES have ruined my credit by falsely adding a collection account that is NOT mine. 

I don't have an account with LJROSS. I have never had a contract or financial obligation towards XXXX XXXX. They are trying to collect money that it NOT owed. 

I need the collection removed from all my 3 Credit Reports. 

Thanks, XXXX
Complaint sub-issue: Inadequate help over the phone

I requested a copy of my credit report from all XXXX agencies, as I am in the process of repairing my credit. I am having trouble with XXXX agency which is EquiFax. My first request went out to them on or around XXXX the XXXX, this was with a complete copy of my credit report as well as the items that were in dispute along with any supporting documents that pertained to each account in which I am disputing. I called Equifax on the XXXX of XXXX to see if any of my items were removed and the Agent explained to me that there were XXXX more pending my investigation that needed to be resolved by the XXXX of XXXX and I called today to receive the results and was told that it was on-going and they refused to remove the XXXX items from my account
Complaint sub-issue: Reporting company used your report improperly

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). Today on XX/XX/2021, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX,, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX has not received written permission to report information regarding transactions or experiences against my consumer report. 

Reporting late payments and alleged loan amounts constitute transactions and experiences. I did not give my written consent. 

I am disputing the reporting of these late payments and utilization by the credit reporting agencies per 15 USC 1681 ( a ) A consumer report does not contain any transactions or experiences between the consumer and the person making the report.
Complaint sub-issue: Information is missing that should be on the report

My first Federal student loan was in 1997. It is not showing on none of my credit reports. The student loan was consolidated into one and paid off. My credit age is incorrect. I have had credit longer than 4 years.
Complaint sub-issue: Information belongs to someone else

In last three complaints XXXX, XXXX, XXXX XXXX/CITIBANK has not addressed my concern. XXXX/CITIBANK has admitted they had wrong mailing address and wrong contact phone number on their file which is why Plastic cards or statements never delivered. 

XXXX/CITIBANK still not admitting they gave the TEMPORARY CARDS ( with my name ) to wrong person or XXXXs employee misused it. 
CITIBANK or XXXX ( merchant ) has not given me any evidence the temporary card was handover to me. I already mentioned in my last three previous complaints - I applied for the cards but temporary cards were not issued, reason given was computer issues. I need direction from CITIBANK/XXXX to tell me what they need from me to prove that? Isn't the incomplete address/wrong phone number no hint enough on your side.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Hunter Warfield debt collection added to my credit report false information. They listed I owe {$520.00} to XXXX XXXX XXXX The apartments never gave me back my security deposit after contacting them several times. A XXXX day notice was given to the XXXX, XXXX, I was leaving because of noise complaints they never resolved. He agreed. I have the original email from him. The apartments have my address and my mail was forwarded. I never got a notice ( certified mail by law in XXXX ) that they were keeping my deposit. All of a sudden, a {$520.00} collection is put on my credit report. No phone calls and no letters. I want the agency to pay for damages of my credit dropping XXXX points and not following the law. I want to be compensated now.
Complaint sub-issue: Account information incorrect

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Bank XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights XXXX XXXX XXXX account # XXXX XXXX, has violated my rights XXXX XXXX  XXXX account XXXX XXXX XX/XX/XXXX {$2200.00}, refuse action XX/XX/XXXX {$1200.00}, no action XX/XX/XXXX, completed investigation XX/XX/XXXX {$410.00} no action taken 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. 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 or information. Any other adverse item of information, other than records of conviction of crimes which atedates 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: Problem with fees

On XX/XX/XXXX - Citibank charged me {$25.00} late fee, when I was a couple hours late with the payment, due to a computer problem. When I reached out to them for a courtesy fee refund, Citi refused  stating that there was already a fee reversal on this account in the past year. 
This is simply not true - the attached pictures show that there were no late fees in XXXX or XXXX preceding the late fee.
Complaint sub-issue: Information is not mine

Requested deletion of XXXX accounts in which I have letters from the creditors stating it was to be deleted from all credit bureaus. Everyone except Equifax has complied with the request from the creditor. Equifax continues to state the " We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact : '' the creditors. I have applied them with the letters, spoken with the creditors, and they stated they have requested this to be removed, and Equifax continues to not do this. The XXXX accounts in dispute is the XXXX XXXX and XXXX. I even requested documentation of what was provided to them on XXXX/XXXX/15 when they verified the accuracy and have not recieved the documentation as of today XXXX/XXXX/15.
Complaint sub-issue: Transaction was not authorized

This is a complaint against Citibank for grand larceny happened to my checking/checking plus account XXXX OnXX/XX/XXXXwas falsely enrolled with XXXX by compromising my profile- phone # and e-mail address. 
On XX/XX/XXXX and XX/XX/XXXX six transfers total {$4200.00} has been made to recipient XXXX XXXX at XXXX XXXX XXXX and to cover overdraft additional {$3700.00} has been transferred from checking plus to checking account On XX/XX/XXXX I found scam and called Citibank at XXXX and case XXXX was opened The same day on online message center I found info about all above mentioned actions. Message dated XX/XX/XXXX - date of first fraud - tells that Citibank " ... identified possible fraud ... have placed account in restricted status ... prohibiting from completing transactions on Citibank online ... until we speak with you. '' The fact is that nothing has been done -account wasn't blocked and no call or any kind of mail sent to me. 
Instead of real investigation on XX/XX/XXXX Fraud Department posted on line message that " ... we have concluded that the transfers must be considered authorized and as a result we ///unable to process a refund to your account. '' On XX/XX/XXXX police report was issued and subpoena sent to Citibank. Next day I called Citibank and requested extended investigation but I didn't get reference number. On XX/XX/XXXX after five months of waiting I called Department of Identity Theft at XXXX. The last agent I spoke with during 50 minutes call asked me to wait while he will take a look at this case but soon after that line was disconnected. 
Now I ask your help in real investigation as beside loss on checking account I pay off credit with interest for which I didn't apply and finally my losses would be around {$10000.00}. All talks with Citibank were done by my husband XXXX XXXX phone ( XXXX ) XXXX, whom I authorized to represent me as my spoken XXXX is weak.. All Citibank messages between XX/XX/XXXX and XX/XX/XXXX are at my disposition and may be provided to you.. 
With regard, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX
Complaint sub-issue: Was not notified of investigation status or results

On XXXX I sent a letters regarding inaccurate and unknown things on my credit report. To date it has been more than 60 days that I have not received a response. At this point I feel as if I have been not been treated fairly and my disputes are being ignored. Section 611 ( a ). states clearly that failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. as stated prior it is past 60 days so they should be deleted punctually. I demand that these accounts be deleted immediately or I will file a ligation due to XXXX  caused to me.
Complaint sub-issue: Didn't receive enough information to verify debt

Tek-Collect Incorporated is holding a collection account in my name. I am unable to verify the debt as they show that their license are suspended in the state of NC with a Notification of Revenue Suspension dated XX/XX/2017. 

This is causing a very negative impact on my credit report as it shows an amount of {$1100.00} with an original amount of {$1100.00}. I would like to have those removed since this company should not even be collecting or can not validate any of my requests.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX XXXX, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and dozens of millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Complaint sub-issue: Debt was result of identity theft

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again, is the incorrect information being reported : XXXX XXXX / Acc. # : XXXX / Bal. {$0.00} Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated ( insert today 's date ) is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regard to my credit file. Please expedite my original request immediately.
Complaint sub-issue: Reporting company used your report improperly

This company continues to enter data provided by XXXX XXXX XXXX after I asked then not to because the US bankruptcy court does not provide information directly to any credit reporting company.
Complaint sub-issue: Other problem

Discover offered a balance transfer with zero percent financing for 18 mos. I applied and was approved on XX/XX/2020, received email verification. Prior to receiving an actual card with terms and agreement Discover open an account, processed the balance transfer. I attempted to make an immediate payment but was blocked by Discover and told an account number was required to open an online account, I can only obtain account number from the actual card which I had not received. Discover claimed the card was sent regular mail with a tracking number and their package did not require a signature. I informed Discover I did not receive card and tracking is showing mail was being held at the Post Office. Discover refused to contact post office to see what was going on, and/or issue new card told me to wait. Thirty ( 30 ) days later I still do not have the card, Discover is refusing to set-up an online account on my behalf and had not resolved this  issue with full knowledge a payment is now due. Discover is engaging in an deceptive business practices to generate late payment fees and interest. I want CFPB to enact or enforce laws to prevent this type of blanant deceptive business practices.
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please correct or discard the following items right away : XXXXXXXX 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  XX/XX/XXXX