Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't qualify for a loan

Today, I applied as a co-signer for my daughters Sallie Mae Student Loan. I am XXXX and there fore my source of income comes from XXXX. The application was denied based on fraud. They made false claims against me in regards to my credit worthiness. I was also told by a supervisor that they do not base approval on the fico score. I was told credit scores have nothing to do with their decision making. But, in the denial they told me my credit score is adverse. I am accused of having delinquent accounts. And I am also told too few accounts get paid as agreed. These are lies. I feel like they just did not like the fact that my source of income comes from XXXX. Why would they have to lie about my credit report? The only reason would be if they had another reason as to why they wanted to deny me. And they could not find anything negative enough on my report to HONESTLY deny the loan. So, they MADE UP LIES. I bet there are many borrowers that receive employment income with a whole lot worse credit then myself that they have approved for loans. My daughter is devastated. She needed the loan to complete her schooling. I was also told that they only go by credit worthiness of showing ability to pay. I do n't have negative collections showing up on my report. How many other loans get approved for those who income is from XXXX? Probably none. After what they did to me today. I would not doubt that at all. Can anything be done about it?
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Complaint sub-issue: Information belongs to someone else

I have been writing to the credit reporting company for about a year now trying to get this XXXX XXXX account remove from my account as fraud. I have requested that they send me proof that this account is not fraud and as of today I still dont have antthing from they. I was this remove from my account. They removed the credit inquiry but not the account. I have disputed this with XXXX at least XXXX other times with no response
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

After noticing two of my credit cards were being used without my consent I contacted Upgrade. I advised the disputes department of the Fraudulent charges and almost 20 days after the dispute they declined my fraudulent disputes. I received an email from them just stating the list of transactions and decline next to it no letter no request to get a police report nothing my XXXX XXXX card same thing happened within two days I was given full credit back on my card no questions asked this company is in violation of the dispute regulatory pertaining to credit cards and or line of credit. They are not willing to take accountability for what they say a 0 % fraud liability. I have no way got no benefit with somebody fraudulently using my card.
Complaint sub-issue: Personal information incorrect

This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am demanding deletion of all personally identifiable information from my consumer credit report with the exception of : 1. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
This is a demand that my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 

XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX ( Original Creditor : AT T ) XXXX ... I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX XXXX ... I.C. SYSTEM, INC ( Original Creditor : XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed some erroneous late payments with Equifax Credit Bureau. Their investigation failed to resolve the problem.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX, I got a alert from XXXX that my balance increased on my XXXX XXXX XXXX XXXX to XXXX dollars which is Inaccurate. My current balance is XXXX a big difference. Per the Fair Credit Reporting Act in asking the credit bearus fixed this immediately and promptly. I took a screen shirt of the inaccuracies
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX is reporting that I owed a balance of XXXX $ until XXXX of 2021. I began payments thru their collection agency, XXXXXXXX XXXX in XX/XX/2021, with XXXX $ monthly payments for 3 months before settling in XXXX for XXXX XXXX Actually paid XXXX $ and settled. The account balance carried thru XX/XX/2021 is incorrect, and has been disputed with no result. They are in violation of the FCRA for false information. All 3 credit agencies, XXXX, Equifax, and XXXX have failed to investigate.
Complaint sub-issue: Reporting company used your report improperly

I had to contact them on XXXX delegate occasions to adjust my APR I. Accordance with XXXX XXXX request. When they finally did it, it still does not show on my account online. It still shows 25 % and they said I was delinquent because there system had a glitch and everyday I paid it requested another payment! I have proof of all my payments and have never been late! This company is a scam. They have since lowered my credit card limit as well.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

The inquiry listed below is a fraudulent inquiry that is being reported on my Equifax credit file Ive contacted equifax three times and received three different removal confirmation numbers which is listed below along with the name and date of the fraudulent inquiry also included is a identity theft report. 

Equifax Inquiry Removal Confirmation Number XXXX, XXXX, XXXX Equifax Fraudulent Inquiry XXXX XX/XX/2022
Complaint sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Hi I was charged by XXXX XXXX XXXX with an unauthorized charge and then them trying to cover it up after i disputed the charges by saying they have the product and reciept which was create after the dispute. Its been two months and this is my second dispute. The business reached out after I disputed and acted like they were going to supply a product. 
I asked them what product and they said they had a receipt for something I ordered, which was incorrect. I had received fraudulent charges on my card two other times thereafter that were denied due to me having my card locked at the time and in which the company tried to deny those charges as well. 

at the same time i addressed the store they forwarded me a text with reciept that showed they were giving me a deal with a discount!! 
This company does not follow proper business protocalls and is scammers with bad business ethics. Don't Let your info get in their hands. 

I wouldnt recommend doing business or let your personal info get into their hands.
Complaint sub-issue: Problem with personal statement of dispute

I attempted resolved the noncompliance issue with Discover Financial. I am aware when a federal government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more.

Discover Financial is currently reporting on my consumer report that {$17000.00} has been discharge/profit loss. IRS requires if a creditor has discharged a debt owed, I am required to include the discharged amount in my income, even if it is less than {$600.00}, on the Other income line of my Form 1040 or 1040-SR. Discover Financial is reporting that this account discharged. Discover Financial did not issue 1099C during that tax year. Discover is not in compliance with this debt and committing consumer violations on its unethical recovery tactics with the credit bureaus and IRS.
Complaint sub-issue: Information belongs to someone else

I HAVE DISPUTED WITH XXXX BUREAUS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES XXXX BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Complaint sub-issue: Account status

I have been unsuccessful in removing the inquiries on my credit report along with negative accounts that are not mine, or reporting inaccurately. I have been disputing since the beginning of the year and have contacted the creditors whom state that it is up to the credit reporting agencies to correct as they have not deleted any payment history on any of my accounts, along with updating the information requested. I have been getting the run around from all three bureaus whom have deleted 10 years of positive payment history and have completely rendered my way of living. These inquiries are not permissible purpose inquiries and should be remove there are XXXX in total on all XXXX reports. There is a inquiry release letter enclosed that they are refusing to acknowledge.
Complaint sub-issue: Account information incorrect

On XX/XX/XXXX I noticed that on my credit report it states that my loan increased, causing my score to go down. I have reached out to XXXX regarding this they have not only been rude but refuse to help in anyway to repair this. I have also noticed that they have I have 3 missed payments and during that time I was not working and was granted a forbearance and they are refusing to research this. OnXX/XX/XXXX I spoke with a rep regarding all this again and was unable to get anywhere with this. She stated That I need to call the credit agency. I have also noticed that for the past 2 months they have not even reported any on time payments. I am in need of assistance with this.
Complaint sub-issue: Their investigation did not fix an error on your report

XX/XX/XXXX Certified Mail XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Re : Credit Report Dispute XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : After reviewing my credit report, I am writing to dispute the following inaccurate information. 

XXXX XXXX XXXX ACCOUNT ENDING IN XXXX ALLEGED BALANCE {$500.00} The information listed is incorrect. I previously filed a dispute when the balance was still owned by the original creditor. The original creditor was listed as a XXXX retail credit card. At that time the original creditor and Credit Reporting Agencies agreed with my dispute or couldnt verify the disputed information, and the debt was deleted from my credit file. It was shocking and damaging to me to find that suddenly the debt has been republished on my report, under the name of a new lender, without showing any indication the debt is disputed. This is not right and is directly impacting me in negative ways. 
XXXX previously removed the accounts from my credit file, but I recently discovered this debt is back on my XXXX credit report. As XXXX XX/XX/XXXX, XXXX began to report the account once more on my credit file. This isnt right and the loan should be deleted from my file like it was several months ago. 

Please let me know if you have any questions. 
Sincerely, 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: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND A NEGATIVE ACCOUNT THAT WAS REPORTED ON MY CREDIT THAT DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF IT. IN NO WAY IS THAT ACCOUNT CONNECTED TO ANY TRANSACTIONS THAT I HAVE MADE. 
I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THIS NEGATIVE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Complaint sub-issue: Transaction was not authorized

I received a letter in the mail stating that I would be getting a back payment on XX/XX/XXXX for XXXX which did post to my account on XX/XX/XXXX but then all the funds were gone soon after someone had my information or account number so I never actually received any of the money it got deposited then disappeared after when I called Direct Express I was told to cancel my card and fill out dispute forms which I did and then sent back to them yet the bank is claiming their not responsible and I would have to call XXXX office I did got the Run around from them then told to call direct express still got nowhere and I never received any response to the fraudulent charges or how the matter would be taken care of.
Complaint sub-issue: Personal information incorrect

Went to the website to try to update my information but their website declined to delete old information and update the new one.
Complaint sub-issue: Billing dispute for services

XXXX has 7 accounts open and all marked late while I am still in school, when these are suppose to be all in one account.
Complaint sub-issue: Reporting company used your report improperly

regarding account as follow XXXX XXXX auto account XXXX has violated my rights is in clear violation of the law, 15 USC 1681 section 602 A states i have the right to privacy. THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the writing instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experience between the consumer and the person making the report. Also violation 15 USC 1681e whenever a consumer reporting company prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Complaint sub-issue: Investigation took more than 30 days

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Consumer struggling for refund of COVID-19 cancelled travel-On XXXX XX/XX/XXXX, I purchased an Airline Ticket through XXXX on XXXX XXXX traveling on XX/XX/XXXX ( XXXX ) on my Discover Credit Card for {$980.00} for my wife and I. XXXX notified me on XX/XX/XXXX that XXXX XXXX had made a schedule change and my flight was no longer available. Once I canceled I would receive a refund. It noted that I should receive a refund within 8 weeks. I canceled and called XXXX XXXX and made another reservation ( XXXX ), since I had already made arrangements traveling on the XX/XX/XXXX with the XXXX Embassy on my travel date to include a Certificate of Entry, Visa, Hotel Quarantine, Covid-19 RT-PCR Test, and fit to fly medical certificate-I did not want any changes to become problematic by changing my travel date of XX/XX/XXXX. I went ahead and notified Discover Credit XX/XX/XXXX via a dispute ( # XXXX ) with all documentation where XXXX XXXX I would receive a refund. XXXX XXXX chimed in on XX/XX/XXXX that the Transaction has been found to be valid, no refund is due and I had one year to travel on that original ticket. Well I was surprised that Discover sided with XXXX XXXX even with all documentation of XXXX processing a refund. I already have met their arrangement via my second purchase of tickets on XXXX XXXX within the one year requirement and Discover still will not give me a documented XXXX refund. I expected to get my money back because I was not the person who cancelled the trip, " I am still owed a refund when an airline significantly changes or cancels your flight. Getting your money back for a vacation cancelled due to COVID-19 remains a real battle, especially with online travel agencies. You need to know what is going on with these Covid-19 Scams. Next stop is the Florida Attorney General and the Department of Transportation.
Complaint sub-issue: Account information incorrect

I have been sending letters proving that my mortgage payments have never been late and they still not fixing it. 
Also I sent a letter stating my XXXX account is satisfied.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

On XX/XX/2022, I was served what looked like to be legal, country documents for wage garnishment. This XXXX XXXX debt collector must have XXXX a previous judgement vs. me. The County documents have no seal of authenticity or filing dates in my county. They have the name of my employer and myself as defendant and garnishee. Not only do I not make enough money to meet the legal requirements for garnishment, I see no date where it was even filed in court. They are using County documents as a scare tactic.
Complaint sub-issue: Account status incorrect

Had a XXXX XXXX and last Cable was paid by power of attorney but not fully. Called The company and they said any collection activity would be retracted. They are saying the item was deleted but Equifax and XXXX  are still reporting. The trade line should have Been deleted if not deleted then updated. I even disputed and they came back as accurate but it is not as it has been paid in full and even received an email for a credit back to my account from the company. Equifax and XXXX  are not reporting accurate information.
Complaint sub-issue: Public record information inaccurate

Equifax is in violation of my rights to privacy and the Bankruptcy Act. Pursuant to 15 USC 1681c ( a ) Bankruptcy information is excluded from the consumer report. Equifax is in violation of said section for furnishing this information on my consumer report, that was obtained illegally from XXXX XXXX under false pretenses in which they've obtained from an online electronic system known as XXXX. This is not a dispute, formal complaint nor request for validation or verification but a demand for compliance in regard to your fiduciary duty and affirmative obligation to respect my right to privacy and to protect the security and confidentiality of customers nonpublic personal information. This public record was deleted from my XXXX XXXX File months ago. This will be your final opportunity to harming me and defaming my character. My next step will be taking action in small claims court.
Complaint sub-issue: Trouble with how payments are being handled

Beginning in XX/XX/XXXX I submitted my IDR form to switch from the REPAYE plan to IBR I have received multiple emails about rejection from the plan due to missing information. After calling one customer service representative and several hours later they find the missing information that they had " lost '', then they " record '' our new conversation for the people who review the forms. A week goes by and I get another rejection notice. Same problem as before, missing information, the same missing information, several hours later they find it and write a " note ''. The process repeats for several weeks. Nobody seems to be able to find old notes. I started finally asking for managers. Now the managers began reassuring me of completion of the form by certain dates. However, they are " sorry '' but it is too late within the current month ( i.e. XX/XX/XXXX ) and that the bill had already been " printed '' and therefore I would still have to pay the full amount on the old repayment plan, but in XX/XX/XXXX everything would be taken care of. Not so, I got another notice of rejection, same old story. Again the bill had been " printed '' for XX/XX/XXXX, and I would have to pay the amount in full but the issue would be fixed by XX/XX/XXXX. I finally got one of the managers numbers so that I could hold someone accountable, but they do not return my calls, and when I inevitably speak to another manager, there is no record of my prior conversations. I feel unable to do anything because they always lose my information. It is starting to feel like it is on purpose just so they can keep charging me the current amount. I need help because I can not resolve this issue because it is just an endless cycle of incompetence.
Complaint sub-issue: Problem with customer service

I recently legally changed my name and want to update my new legal name on all of my Citibank credit card accounts. I went to multiple physical branches and no one could help me as they only deal with checkings/ savings accounts at the branch. 
Instead, they offered me to try their online or telephone customer service. 
I called the number given to me and they could not help me. So, I tried Citibanks online live chat. They tell me they can not help me and I must speak to a specialist who can easily fix the problem. They give me the same exact number I called previously. 
So, I tried calling again. Once again, they can not help me. Instead, they tell me I need to mail my social security info and other very important info to a specific address. Im not mailing important documents like that. 
So, no one at Citibank knows what to do or how to even help me
Complaint sub-issue: Information belongs to someone else

I recently received my consumers reporting file and noticed multiple tradelines that stem from identity theft. I reported all information to the Police department and contacted XXXX, XXXX, and Equifax.. upon me sending all the proper paperwork ( identity theft affidavit, copy of the police report, Identification and Social security card ) this XXXX consumer reporting agencies refused to follow the law set forth by congress. They continue to report these inaccurate fraudulent accounts on my personal consumer report without proper verification which is a direct violation