Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Delay in processing application

I applied for a Citi bank credit card And received a reply that they could not verify my address when I fact the address is recognized by the Fed govt,  Social Security, XXXX XXXX XXXX, state of Ga, my 3 credit card companies and My personal bank they asked for copy Of drivers license then then they wanted Proof that phone # was mine which I Provided then after all of this I wrote Them and they finally came back with The excuses that I did not have enough Open lines of credit ( even though the Lines I had open all reported perfect Payment history ) the lines of credit Were not old enough and horrors upon Horrors I had applied for someone Elses credit card To sum it up every time I met their re- qirements they came up with another Excuse A shabby way to treat a potential Customer and most unprofessional
Complaint sub-issue: Information belongs to someone else

XXXX XXXX reported a credit card belonging to my ex wife was discharged in XXXX of XXXX. It was not. It was discharged in XXXX. I have a divorce decree that shows I am not responsible for any accounts that belong to my ex wife and that I was to be removed. I also called in XXXX and early XXXX, liekly mutliple times to have me removed from the account as an authorized user. XXXX XXXX did not remove me. The divorce decree explicitly shows, the main party and authorized user was to leagely remove me off the account and I was to be removed by the vendor. I also made attempts to remove myself off this account as well as any and all otehr accounts. Interestingly enough all other parties complied except for XXXX XXXX XXXX. XXXX XXXX also still reports it incorrectly on my credit bureaus and in my name. As well as false information. XXXX XXXX  has duplicated the discharge 2 times which is not legal in the first place and incorrect. The 2nd discharge is clearly shown as discharge and it is preventing my from making a home purchase and any otehr large asset purchase. I spoke with another bank and they clearly said it was a discharge and I as tried to clarify as XXXX XXXX XXXX said it was only an update, other lenders and companies of interes explicitly read it and consider it a second discharge. The XX/XX/XXXX reporting needs to be removed and the card and information needs to be removed off my name. This should have been done in XXXX. This is not only punitive, illegal and immoral. I will seek legal consel as recourse if this is not completed within 30 days.
Complaint sub-issue: Debt was discharged in bankruptcy

I recently accessed my credit reports as i have been experiencing suspicious calls regarding accounts that I have not applied for and found this account that does not belong to me Since 2012 accounts have been opened fraudulently using my social security card and driving license which were compromised in 2012.
Complaint sub-issue: Received bad information about my loan

Great Lakes Student loan reported 90 day past due to the credit reporting agencies bring down my credit score by XXXX points - they have my account listed as the last payment in XXXX 2016 when I made a small payment recently just to submit a payment. And I applied for forbearance as well. The information they are providing to the credit agencies is incorrect.
Complaint sub-issue: Trouble with how payments are handled

I made an overpayment on my student loan nearly a year ago. At that time, the customer service representative indicated that it would reconcile at some point ( there was no clarity as to when this would be ). Nearly a year later, I am still stuck in the paid ahead status and the {$400.00} continues to revolve through each billing cycle. When I asked the customer service representative which federal agency I could file a complaint with about the loan servicing company, I was told, " I do n't know. '' When I asked to speak with the customer service representative 's supervisor, I was put on an extended hold. During that time, I searched on XXXX and found the CFPB 's website/complaint form. Student loan recipients should not have to argue with a servicing company to figure out how they can properly file a complaint with the federal government. 

Lastly, I have emailed XXXX numerous times through their online email application on the lending portal ( while logged into my account ). I have NEVER received a response to ANY of my emailed complaints or requests to XXXX. That 's beyond unacceptable.
Complaint sub-issue: Debt was result of identity theft

XXXX XXXX XXXX XXXX, a debt collector, along with Discover Bank, continue to attempt to collect a fraudulent debt ( XXXX XXXX XXXX File # XXXX ) which was the result of identity theft, despite being notified several times that this was a fraudulent debt, in willful violation of FCRA Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 6 ), and Section 615 ( f ). Additionally, XXXX XXXX XXXX XXXX, along with Discover Bank, continue to attempt ( albeit unsuccessfully ) reporting this debt to the major CRAs in violation of FCRA Section 605 ( b ).

I have notified both XXXX XXXX XXXX XXXX, and Discover Bank several times, beginning XX/XX/2017 via certified, registered mail, as well as e-mail that this debt is a result of proven identity theft. I have kept complete, and extensive documentation of these interactions. However, largely, I was ignored by both named entities, despite having return receipts from the United States Postal Service showing that my documents were signed for.

In the above mentioned documents, I have provided both XXXX XXXX XXXX XXXX, and Discover Bank, multiple times, with the following : a police report, an FTC Identity Theft Affidavit/Report, a personal statement, notifying both XXXX XXXX XXXX XXXX. And Discover Bank that this debt is a result of identity theft, a copy of my credit reports with the account highlighted, a copy of my identification, a copy of the FCRA Notice to Furnishers of Information, as well as a copy of my accepted FCRA Section 605 ( b ) requests, and finally, a letter regarding my security deposit at my previous residence, proving that I had moved out more than a month before XXXX XXXX XXXX, and Discover Bank claim I applied for, and opened the account.

XXXX XXXX XXXX XXXX., in conjunction with Discover Bank, have willfully violated the Fair Credit Reporting Act multiple times, and have completely ignored me, or provided me with generic information that any identity thief would have ( social security number, date of birth, mothers maiden name, and a previous address I no longer lived at ), each time I have been in contact with them.
Complaint sub-issue: Reporting company used your report improperly

this is in regards to Equifax 's data leak from their web application reported by XXXX on XXXX XXXX 2017,  and that you were listed as a potential victim
Complaint sub-issue: Information belongs to someone else

I submitted a letter to the 3 Credit Bureaus to remove these erroneous items. 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. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX USDOE/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated and DELETED. LET 'S READ ABOUT A REAL INVESTIGATION. ( FACT ) Improper investigation and/or no investigation conducted as prescribed by the following terms of investigation. 1681 ( a ) ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. YOU HAVEN'T CONTACTED ANY OF MY NEIGHBORS WHICH I HAVE THEIR STATEMENT FOR PROOF IN COURT. In addition,, you allowed the furnishers to break the FCRA law under Section 623 ( a ) which states prohibits furnishers from reporting information to a CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate.14 The statute defines reasonable cause to believe that the information is inaccurate to mean specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. Please investigate these items and DELETE. I gave you both credit reports with before and after errors. 

1. XXXX XXXX Account # : XXXX Check the Account Status, Date Opened, No. of Months ( terms ), Date Last Reported, Date Last Active, and Date of Last Payment for accuracy. 

XXXX XXXX expedtiously due to they have been reinserted again inaccurate which is against the law. 15 U.S. Code 1681 ( a ) 5 ( B ) ( i ) ...
Complaint sub-issue: Attempted to collect wrong amount

A while back, I was thinking about switching from  XXXX   XXXX  to   XXXX   XXXX  . I ordered the   XXXX   XXXX   package but sent it back withi n 3 day s and told them why I sent it back ( I could n't set it up and  XXXX  would not send a technician out to set it up ).  XXXX  even represented that I had every option to cancel within  3  days. That 's exactly what I did. I sent them repeated notes telling them that I owe them nothing because they did n't provide any service and I canceled in time. Since then,  XXXX  has hired  1 debt co llection agency after another, and each time I tell the debt collector that this is a complete fraud. Yet, they persist. As of  XXXX     2017, this is  th e 3rd  debt collection agency attempting to assist  XXXX  in trying to rip me off.
Complaint sub-issue: Reporting company used your report improperly

The Credit bureaus stated that account XXXX XXXX # XXXX was properly investigated, but how is that possible if the account number is inaccurate, the high balance is inaccurate the date of last activity is inaccurate, closed date is inaccurate and late payments are inaccurate. This ground for removal they have also violated my rights under 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: Credit inquiries on your report that you don't recognize

Data x want to put a freeze on my credit file from them reporting my credit information
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Information belongs to someone else

This complaint is a formal complaint that you have ignored my previous requests and failed to maintain reasonable procedures in your operations to assure minimum possible accuracy in your credit files you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

Please refer to my previous letters and complaints for proof of my previous requests and notice of the compromisation of my social security number, and identity theft.
Complaint sub-issue: Problem making or receiving payments

We banked with Citibank for years, and recently we changed the title from our regular joint checking to a XXXX  XXXX XXXX  about a month and a half ago, then : XX/XX/XXXX ( Fri ) : Used ATM and found the checking was put on-hold, without any notification from Citibank. Called the branch office and was told there were concern from Citibank regarding our XXXX XXXX  information. The representative said the information we provided before should be OK and the account should be unlock the next day. 
XX/XX/XXXX ( Mon ) : The account was still on-hold, no transactions in and out of the account dated after XX/XX/XXXX. Got no answering to the branch office, I e-mailed the branch representative and asked for resolution asap, as our family cash flow was frozen. No response. 
XX/XX/XXXX ( Wed ) : Visited branch office. Branch representative communicated with the branch XXXX and made necessary copies of my XXXX  XXXX again. Another promise that the account will be free in the next couple of days. I again emphasized that frozen the account meant non-payments to our auto-pay bills and missed deposits of our pension and wages. Late fees will incurred. 
XX/XX/XXXX ( Fri ) XXXX. Got an e-mail from branch representative indicating that the account was back to normal and said they will take care the late fee, if any. I was eventually able to log in the account on XX/XX/XXXX, not XX/XX/XXXX. 
XX/XX/XXXX ( Tue. ) I was checking my account on-line and saw an attachment dated XX/XX/XXXX, indicating that based on the result of their review of bank information and records, they have the right to close our account by XX/XX/XXXX.  No explanation of what was wrong. 
This last few days, we found another bank and opened a new checking account and try to re-set all the auto-pay and auto-deposit accounts to the new account, while waiting for this Citibank account to be closed. No apology from the bank for all these trouble and anxiety caused by the Citibank. 
This whole experience was scary, as we did not do anything wrong and we have shown them the whole XXXX XXXX document for them to make the necessary copy. Yet, out of nowhere, the account was frozen for almost 2 weeks. I do not believe this is legal. Just like any business, how can a family 's daily life not be jeopardize by cutting off the cash flow of their checking accounts?. Citibank needs to change the way they handle their client so in the future, other families will not fall into such terrible situation.
Complaint sub-issue: Was not notified of investigation status or results

In XX/XX/XXXX I filed a complaint with Equifax, XXXX XXXX, XXXX and I didn't receive a response back until back until XX/XX/XXXX. This date is way passed the 30 days time frame allowed. I am requesting these following items be removed from my report 1. ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account is duplicate with multiple listing as open error please delete inaccurate. Below are the CFPB confirmation numbers to my claim. 

XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

On  X/XX/2017    FED LOAN was sent a letter from me asking for the original instrument of indebtedness in its original form of this said account in exchange for payment. FED LOAN never responded to my letter. FED LOAN was stating that I owe  XXXX . After the letter was sent, I checked my credit report on  XXXX   XXXX ,    2017 and t he balance was changed to {$33000.00}. I was expecting a letter from them to no avail about this situation. Upon checking my credit report today  XX/XX/2017   F ED LOAN jumped the loan amount back to {$50000.00}.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Was not notified of investigation status or results

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, Original Creditor, Original Creditor, Original Creditor, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX
Complaint sub-issue: Debt is not yours

Filed a dispute with Credit Bureau stating that I never had a CONTRACT with the negative information that is listed on my credit report. The Credit stated that they verified the debt was mine. How could you verify something is mine when IT IS NOT MINE. 


I want Equifax to delete that negative information that is being reported for XXXX. 
XXXX is the 4th collection agency that have tried to place negative information on my credit report. I DO NOT have a CONTRACT with them, never had a CONTRACT with them and Equifax is being neglect because there is no way that they could have verified that when I never had an account with XXXX.
Complaint sub-issue: Account information incorrect

I am asking you to look into XXXX. I am a co-signer with my son. This loan is XXXX XXXX XXXX. We have had no issues. I have repeatedly called, only to be told many different reasons why this happened. I was never notified of this issue. I was told my email did not work, I have had the same email as long as it has excisted, same phone number too. My credit score went from XXXX to XXXX. I was told another version last night, that XXXX puts the payments XXXX makes from direct bank payments, to where XXXX wants to apply them. Who does this? This also happened during Covid. I am pleading with you to restore my credit where it was before this mess. Thank you for your time. XXXX
Complaint sub-issue: Debt was result of identity theft

Hi I would like to give thanks ahead of time for helping resolve my problem. The issue is with Bank of the West I have send this company a letter for them to dispute the account that was opened fraudulent and I send a letter of report from identity theft, and also a police report. They have not removed it from my credit report and they send me a letter stating that the account was accurate. Please help me solve this issue with this company.
Complaint sub-issue: Information belongs to someone else

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Complaint sub-issue: Information belongs to someone else

About 2 weeks ago 3 accounts just appeared on my Equifax credit report that do not belong to me. There are 2 " XXXX '' accounts and 1 " XXXX '' account. I have not now or ever had any of these cards or accounts. I immediately attempted to dispute through " My Equifax '' account but those accounts state " Consumer Disagrees with info, re-investigation in progress ''. I have never disputed these accounts because they have never been on my credit report because they do not belong to me. I do not believe this to be fraud or identity theft. I believe that Equifax has mixed my credit file with someone else 's and I demand that this error be corrected immediately.
Complaint sub-issue: Didn't receive enough information to verify debt

I have sent letter to the organization as well as the credit bureaus without validation of debt. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
Equifax failed to respond in 30 days and they updated my bal to XXXX for the XXXX XXXX account with was cleared in XX/XX/XXXX vs deleting the account. 
I have not been successful at getting XXXX XXXX to respond to any of the letters I have sent since XX/XX/XXXX.
Complaint sub-issue: Deposits and withdrawals

I recently moved from my previous Bank XXXX to Citibank to get the {$300.00} dollars promotion if I deposited {$15000.00} into my checking account. So I took my entire lift savings of {$20000.00} dollars from XXXX into Citibank, through a cashier check. 2-3 days later I tried using my Citi debit card to buy medication for my mom because shes in the hospital, it stopped working. I immediately called Citibank and found out my account is frozen due to suspicious activity. Citibank told me that this problem would be resolved within 24-48 hours. It has been 4 days. I even offered to provide any documents necessary to expedite the process. Every time I call they keep telling me it will be 24-48 hours, they would actually hang up on me. Please help me, this is my entire life savings and I dont have any form to pay my bills and I would hate to lose my home. They are holding me hostage right now. I honestly feel like I was scam from Citibank. I feel like Im not the only one Citibank is doing this too. Please help. Thank you