Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Unable to open an account

In XXXX of XXXX I tried to open an account with discover bank. I downloaded the app on XX/XX/XXXX and recieved a message that just said no due to security freeze. It did not state why or provide details on how to review the decline. I don't have a security freeze on any of the three credit companies nor at XXXX XXXX XXXX. 
The online site stated that due to safety concerns they would not open the account. 
I have tried numerous times and yet it still will not function or let me open an account.
Complaint sub-issue: Information belongs to someone else

i have requested multiple times to each credit bureau and creditors that the fraudulent accounts be removed from my credit profile under the law. they have refused. all addresses are incorrect and names. said creditors and credit bureaus listed in this affidavit have claimed to verify the accounts but have not provided any signed verification nor affidavits swearing under penalty of perjury that the accounts belong to me and to claim they belong to me without proof nor verification is a fraud in itself. said accounts are to be removed immediately. Including all inquiries attached is my affidavit
Complaint sub-issue: Was not notified of investigation status or results

On XXXX/XXXX/2020 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Information is not mine

I checked my credit score on XXXX in the information was wrong I never made any of them claims
Complaint sub-issue: Information is not mine

There are accounts in my credit report that do not belong to me and Equifax is ignoring my requests to investigate and remove them from my credit report.
Complaint sub-issue: Debt is not yours

XXXX ALLY FINANCIAL ) at ( XXXX XXXX XXXX # XXXX XXXX, MI XXXX ) has been sending me collection notices in the amount of ( {$1300.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$10.00}, XXXX  XXXX Balance : {$0.00}
Complaint sub-issue: Didn't receive advertised or promotional terms

On  XX/XX/XXXX  I signed up for the Citi  XXXX   XXXX  credit card with with a promotion that stated : " Earn  XXXX  weekend night certificates each good f or 1 weekend night ( standard r oom, double occupancy ) at select hotels and resorts within the  XXXX   XXXX  after you make {$2500.00} in purchases within the first 4 months of account opening ''.     By  XX/XX/XXXX  I met this minimum spending and on  XX/XX/XXXX  I made a payment on the account for {$3000.00} completing my portion of the sign up agreement. I waited for the  XXXX  free night certificates to arrive in the mail and when they did not arrive by  XXXX   XXXX  I contacted  XXXX  customer service. On  XXXX  I contacted  Citi c ustomer service via Chat and they referred me to telephone support. I called Citi customer service on  XXXX  and the representative was unfamiliar with the offer. The representative stated they would need to escalate my inquiry and that I should expect to hear back within one week which would be  XXXX .     By  XXXX  I had n't heard anything from Citi so I contacted Citi customer service via  Secure Messaging.   I received a message back from Citi on  XXXX  simply stating " We have reviewed your account records and have identified another account  ( s ) th at have been established and or closed in your name within the last 24 months that had special promotional bonus of fer ( s ). '' I 've never in my life had the Citi   XXXX   XXXX  product therefore I am eligible for the sign up bonus.
Complaint sub-issue: Information is not mine

I recently reviewed my Equifax Credit Report. I continue to view Inquiries made on my Equifax Credit Report that I do n't recall authorizing. Equifax continues to reply to my disputes regarding inquiries with a standard response EVERY SINGLE TIME. The response is the following " Equifax has reviewed your complaint and its records regarding your dispute. Please be advised that inquiries are a factual record of file access. If you believe the inquiries are unauthorized, Please contact the creditor directly and follow their internal fraud procedures. Written confirmation has been mailed to you ' ''. This is contradictory to several of my previous disputes through CFGB regarding inquiries displaying on my Equifax Credit Report. The following are the case numbers with CFGB that Equifax did not reply with the standard response and had the inquiries removed, XXXX & XXXX. I am requesting that Equifax remove the following inquiries from my Equifax Credit Report ... .. 
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 ( I 'm not in the market in Buying or attempted to buy a house in over 2 years ) 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 XXXX XXXX XXXX, XXXX If after the investigation Equifax believes that the inquiry are legitimate I demand that Equifax provide me the name of the Equifax Representative who conducted the Investigation and the name of the individual ( creditor ) that was contacted to confirm that the inquiry was legitimate. Furthermore, if such evidence exist I demand that Equifax send me a copy of such alleged documents so I can verify it 's validity.
Complaint sub-issue: Account status incorrect

This is a very simple complaint. I disputed an account with the three major credit bureaus that was incorrect. XXXX XXXX XXXX  XXXX. I did so on XX/XX/19. It was incorrectly reporting me as 30 days late. XXXX and XXXX XXXX corrected the information almost immediately. Equifax did not. They claimed the 30 day late payment was verified. 

I then re-submitted another dispute on XX/XX/19 to Equifax for the same reason. That dispute came back as the account being verified as well. Because Equifax is refusing to correct the late payment, my credit is being jeopardized and preventing me from obtaining credit since the late payment is within the last 6 months. 

I need Equifax to correct the late payment on XXXX XXXX XXXX XXXX. The other 2 bureaus corrected it as it was unverifiable or incorrect so why is Equifax claiming it is legitimate?
Complaint sub-issue: Didn't receive enough information to verify debt

I was notified by my credit card company, who monitors my credit score, that I had a > 120 day derogatory statement added to my report. I have excellent credit history and always pay all of my bills on time and in full. When I looked into the matter it was for this debt collection agency I had never heard of, I.C. Systems. When I went to their website I could only file inquiries if I had an account number with them but I do not have this as they have never contacted me. This debt collection is for a total of {$88.00}, the absolute lack of warning that this account was due at all, followed by the very significant overdue derogatory mark placed on my credit score and coupled with the incredibly small amount of debt owed is in my opinion poor company practices. 

At this time I have filed a dispute with the credit bureaus and will be mailing them a formal dispute letter this afternoon.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citibank blocked my XXXX XXXX credit car. I can not verify charges. They keep lying that they sent verification letter. I have never received any verification letter. These guys are chronic XXXX.
Complaint sub-issue: Didn't receive notice of right to dispute

I recently pulled a credit report and saw that XXXX XXXX XXXX XXXX XXXX is reporting to be collecting on an alleged debt. After research, I am unable to find a licence in the state of Florida on the Florida office of Financial Regulations  website. How are they legally entitled to collect on the debt?
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX Acct # XXXX, XXXX XXXX  Acct # XXXX Acct # XXXX, XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX, XXXX XXXX  XXXX Acct # XXXX Acct # 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: Credit card company isn't resolving a dispute about a purchase on your statement

cash app has no customer servce number for m to get any info on who has access to multiple accounts under my name.I 've emailed and haven't had any assistance with obtaining my billing and personal info. I need bank statements and access to new and old username and passwords.i believe people have been fradulently using bank/wire tranfers to move deposit on my account. i also need to know if my government benefits are being direct deposited to any cash app card that under my account.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax is a complete joke. And Im saddened that you the CFPB designed to help consumers continually allow them to disregard the laws according to the FCRA. More than three occasions Ive requested that they furnish proof that the accounts Ive been disputing in fact belong to me. They have tried several stall tactics including continuous asking for identification which I supply with each and every dispute. They have failed on more than three occasions to provide proof but instead send copy of my credit report restating the inaccurate information. I have supplied proof that my personal information has been compromised through their data breach and still the accounts remain. The only thing that has transpired is the removal of fraudulent inquiries but the accounts again remain without furnishing proof that these are in fact my accounts. I am tired of these credit reporting agencies getting away with reporting inaccuracies causing financial damage and my credit reputation to be misled by what is being reported. I AM DESPERATELY ASKING YOU ALL TO STOP ALLOWING THEM TO CONTINUE TO EVADE THE LAW AND TO ABIDE BY THE FCRA AND PROVIDE THE PROOF IVE ASKED OR SIMPLY REMOVE THESE ACCOUNTS PERMANENTLY FROM MY CREDIT PROFILE!
Complaint sub-issue: Account opened as a result of fraud

An online checking account with Comerica Bank was opened with my information, but I did not open this account.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX attached a screenshot of report, this is a medical collection that I disputed with Equifax they said it was Verified how did you verify this without breaking HIPPA Laws and you have failed to Enter Comments that this account was Disputed by consumer it must be entered at the time of dispute, Remove for violations for not entering consumer disputed, you can clearly see they have verified this account because last reported shows XX/XX/2022 how did you verify amount owed without breaking HIPPA Laws what PROCEDURE WAS DONE TO HAVE THAT AMOUNT, so you could not have verified this account
Complaint sub-issue: Account information incorrect

I noticed I had late payments on my XXXX XXXX XXXX after reviewing my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is not correct.
Complaint sub-issue: Information belongs to someone else

I have a fraudulent account reporting under Equifax credit reporting agency, I have disputed several times and even with a FTC Affidavit validating the fact that i had been a victim of ID theft, yet they are not being helpful at all ; therefore, have no way of finding out whether or not what the situation is about my disputes and a fraudulent account. The fraudulent account I have disputed with Equifax is XXXX XXXX ( Acct # XXXX ) please assist me in making sure that the Fair Credit Repoting Act Section 605b is upheld by Equifax Inc., A private entity.
Complaint sub-issue: Reporting company used your report improperly

Equifax failed to protect my credit information and is not fixing the problem.
Complaint sub-issue: Their investigation did not fix an error on your report

I have never been late with my mortgage payments, and I have provided all 3 credit bureaus proof that I have paid on time, and they still will not fix my late payments.
Complaint sub-issue: Card was charged for something you did not purchase with the card

XXXX XXXX XXXXXXXXXXXX To disputes XXXXXXXXXXXX XXXX XXXX office dispute Case number : XXXX I did not receive the merchandise because I came to XXXX XXXX XXXX XXXX XXXX XXXXat XXXX XXXX XXXX XXXX pa XXXX, thinking that they would fix my XXXX XXXX of my XXXX since I use XXXX XXXX, since I only need XXXX XXXX, but when they the XXXX XXXX XXXX XXXX XXXX XXXX office, when they put the XXXX XXXX on me that would have been the prescription according to them it would have been for the XXXX XXXX XXXX, when they put them XXXX on me, I could not see not even 3 feet away from me and without them XXXX I told the Dr. that Im able to see far away without those XXXX on than with them XXXX meaning that with them XXXX XXXX my far vision was off, but they when ahead any ways and gave me a next appointment for the XXXX, Im in a fix income, I have XXXX from the medical assistance office, and I been going to my regular XXXX XXXX. and he says that my far vision is better than 20/20 the only thing I need is my XXXX XXXX, my next appointment to my regular XXXX XXXX comes in XX/XX/XXXX and my last visit was in XX/XX/XXXX. That office : XXXX XXXX XXXX XXXX XXXX XXXX only wanted to take the money and wanted to take my far vision off just so I can read I only need XXXX XXXX and not my far vision to be taken off I need my far vision for everyday activities including driving, I felt like this was a sales meeting with them, because a responsible Dr. would have say well you cant see far away with the XXXX XXXX this means that you are not a candidate for XXXX XXXX XXXX because you do not need it and you only need XXXX XXXX, and I would only go ahead and do the XXXX if you want it as a want, with me and you knowing that your far away vision goes away with the XXXX XXXX which would be the prescription for the XXXX XXXX but only if you want it because you dont need it and I do not want your far vision to be taken off only so you can be able to read.

So Im not a candidate for XXXX XXXX XXXX because I do not need it, because this office base on my experience with them could find everyone to be a candidate even if you dont need the XXXX, to me I do not need it and it would have been a want that would have ruined my far vision only to be able to read without XXXX XXXX. ALL I NEED IS XXXX XXXX I DO NOT NEED ANY XXXX XXXX XXXX THAT WOULD HAVE RUINED MY FAR VISION. 
I did contact their office right away at ( XXXX ) XXXX for they to refund that money back to my credit card but they did not and on XX/XX/XXXX someone from their office called me asking me if I agree for they to refund my credit card the amount of {$200.00} dollars but I told them that I need the full {$400.00} refunded to my credit card because that is what they took out of my credit card as down payment for the XXXX and whatever they did there was misdiagnosis on my XXXX because I did not needed I need that money back {$400.00} in my credit card because I live with a budget in low income and I struggle to cover my expenses as a XXXX dad Thank you Case number XXXX XXXX XXXX XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I filed a dispute in the first week in XXXX and the sent me an email on XX/XX/2018 saying they had the results. Since that time I have called 3 times and tried to get the results. The link they provided didnt work and when I called the representative said they were having problems with the site and after I gave the confirmation number in the email they said they coffins it. One representative told me they didnt have technicians to fix the problem or for me to speak to.
Complaint sub-issue: Card opened as result of identity theft or fraud

I received a statement on a credit card account dated XX/XX/20 and I did not apply for the account. U. S. Bank charged a fee of {$450.00} to establish the account. I immediately contacted U. S. Bank and cautioned them that I did not ask for this account and I would not be responsible for the membership fee or any charges made against the account. I began to research how the account was opened, where the account information about me came from and U. S. Bank 's complicity in this attempted fraud.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5100.00}, {$4000.00}, {$2100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$5100.00} -This is not my account. 


-- AUTO LOAN OR LEASE 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account.
Complaint sub-issue: Problem with customer service

In XX/XX/XXXX, XXXX and XXXX XXXX applied for a Discover Student Loan for the amount of {$36000.00} for tuition for the XXXX XXXX XXXX at XXXX. The amount was to be used to pay tuition and costs for the XX/XX/XXXX-XX/XX/XXXXschool year, in the amount of {$18000.00} per semester at the interest rate of 7.99 %. 

XXXX is the student, and XXXX is the parent-cosigner for the loan. 

At the time of the first disbursement of the loan, the XXXX XXXX XXXX Office of Financial Aid informed XXXX XXXX that the loan was only certified for {$18000.00} for the year, instead of the originally approved {$36000.00}. XXXX XXXX contacted Discover and informed them about the problem. 

Discover asked to have the University re-certify the loan in the amount of {$36000.00}. 

XXXX XXXX contacted the University 's Office of Financial Aid to inform them of the problem. On XX/XX/2018, the University 's Senior Financial Aid Administrator,  XXXX XXXX XXXX, sent XXXX XXXX an email, confirming that the University had sent the required notification, certifying the original {$36000.00} amount of the loan request, and verifying that the above amount needed to be split between the fall and spring semesters. 

An email from the University 's Senior Financial Aid Administrator, XXXX XXXX XXXX is provided below, for your reference. 

Immediately thereafter, XXXX XXXX contacted Discover, and they verified over the phone that they received the email, and that the problem was resolved. 

On or around XX/XX/2018, XXXX XXXX contacted Discover to verify that the loan would disburse as previously agreed. Discover reported that there was no disbursement pending, and that the loan closed out at the amount of {$18000.00}, and was not available for the 2nd semester of school tuition. 

Discover suggested that my XXXX and XXXX XXXX apply for a new loan, which was done The new loan for the second semester came back at the interest rate of 9.240 %, instead of the original 7.99 % interest rate. 

Discover has made the error with the disbursement. The University did correct Discover 's mistake, and did certify the correct amount for the loan, and that it was to disburse for 2 semesters. I ask that Discover be held to its originally agreed interest rate of 7.99 %, and should not be allowed to profit for the mistake it made. 

XXXX and XXXX XXXX would be grateful for any assistance you can provide. 

XXXX XXXX, Student at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Father of XXXX and guarantor of the loan *** A copy of XX/XX/2018 email from Senior Financial Aid Administrator, XXXX XXXX XXXX of the XXXX XXXX XXXX is attached to this complaint.