Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Application denied

The credit card issuer invited me number of times to apply for a credit card.and every Time i apply i get denied.my credit score is good and i do get accepted through other Credit cards that do approve my application with out no problem.i would like to have them Investigated to be certain that there is no discrimination issues involving my efforts Applying for this type of credit card.so that it will be no complaints in the future.Thank you sincerely.XXXX XXXX.
Complaint sub-issue: Problem with customer service

Mohela is the new federal loan provider and whenever I tried to call there is always a long time to wait. When i was with XXXX one had to wait, but not for such a long period of time.
Complaint sub-issue: Problem with customer service

not sure if this was the correct option but definitely involved in my complaint. first all representatives were professional and courteous. however i asked to not receive any correspondence except by mail because I've had difficulty getting any correspondence through phone or by email. i have received emails since then against my wishes and was assured by the customer service representatives that i would not receive any. second i have requested correspondence for re applying for the income based payback program. I was told i would be receiving the re enrollment papers in the mail. and have requested them a total of 3 times. i still have not received them ; but was able to receive the letters stating that the credit was being reversed as long as i was to send in the re enrollment papers. i have never received that re enrollment papers. my credit is being affected by this. secondly i got a letter in the mail around XXXX stating that my loans were about to default. i was on the income driven repayment plan and it was deemed a hardship for me to pay my loans. i had applied each time i was sent papers to do so for years. i never received any papers for to reapply which was apart of the agreement for the income driven repayment plan. it shows that i was 9 months behind on payments in XXXX. in other words i wasn't sent reapplication papers and was switched to another plan without my knowledge and no attempt was made to make mne aware of this. my credit is now been hit very hard due to this. i still qualify for no payments. this sounds very close to the definition of fraud. to date have not received any enrollment paper works which i have been told i would be receiving.
Complaint sub-issue: Information belongs to someone else

I never applied for this account, i didn't receive any benefits. I believe, that somebody used my personal information.
Complaint sub-issue: Account opened as a result of fraud

I received an alert from my identity monitoring service " XXXX XXXXXXXX '' that high risk transaction had taken place today XX/XX/2021. 

Apparently, someone was able to open a checking account under my name with a company named " MoneyLion ''. 

Date : XX/XX/2021 Institution : MoneyLion Type : XXXX XXXX : Account Opening Result : Passed Venue : online I called my identity monitoring service and an investigator placed a called to this company right away. Once they verified some basic information about myself, they were able to close the account and mark it as fraudulent. 

I have no idea who did this and why this company issued a banking account under my name with no credit verification. I hope you do your best to get to the bottom of this. I will put alerts for my credit but this has me worried. 

Thank you in advance. 

Regards, XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

I opened a complaint on PNC improperly using my information to run a hard pull for a secure credit card on my personal checking account. Today I had a call with XXXX from their client executive relations office. I would like to inform the protection bureau that she threatened me saying i would have to subpeona the call if I could. She then said she did not know why I had called her. Further, she was not able to articulate her stance when i mentioned that I was with the XXXX XXXX branch this morning and they said that she would handle the issue without their interference. I am completely confused at this point as I did not sign up to obtain a card from the branch - yet a hard pull was conducted without my permission and PNC branch acknowledges that but the executive office is unable to comprehend that simple error - in fact it seemed that my english and accent was an issue. I am humiliated with this situation. 

I have also been threatened that I would have to open a case against PNC to get redressal on this issue. I am extremely worried that my mortgage would be used against me as a single mother and small business to try and deny me loans and credit along with housing along with age discrimination and XXXX harassment that has been ongoing from 2021. 

Please provide relief through an executive who does not insult her company when she is working with a client.
Complaint sub-issue: Debt is not yours

Credit grantor is refusing to properly validate debt as it on my credit reports with a different account number with each bureau. Amount owed as stated on my report is {$760.00} and i have been disputing this with the 3 major bureaus for over 3 months to get a proper resolution.
Complaint sub-issue: Account status

There is a item on my credit report that i have been disputing since XX/XX/2017. Creditor is XXXX. I paid this account in full on XX/XX/2017. I have called equifax on several occasions trying to get this information updated. I have also submitted proof of payment to equifax and the creditor still can come back and tell equifax that account verified and the balance is still XXXX which is the amount i paid in full. I am getting nowhere with this issue. I need for equifax to update my credit file to the correct balance which is XXXX.
Complaint sub-issue: Threatened to arrest you or take you to jail if you do not pay

I took out a payday loan in XX/XX/XXXXXXXX for {$440.00} from EZ Corp. In XXXX XXXX Iowa. This is n't the first call that I have received from this shady collection company. They claimed that their name is XXXX Investigations and that there is a pending criminal case being held against me, and that I will have a warrant issued against me and they will come to my work or home and pick me up and process me at the police station. they also called my XXXX year old grandmother and used the same scare tactic on her about me, she called me very upset and concerned. I called this company back and they said that my balance was {$2000.00} with attorney and court fees. I told them I would try to take care of this even though it was included in my chapter XXXX bankruptcy in XX/XX/XXXX. They said they would contact whoever to see if they could get the charges dropped and get me into a repayment arrangement. They came back with {$790.00} which is still way higher than what I actually owe, they said I have until the end of today to pay that amount or the charges were going to be pursued further. when I notified the woman that I could not afford that amount. and i told her that the call was being recorded she became irate and combative and hung up on me. She also gave me an address of XXXX XXXX XXXX XXXX XXXX Texas XXXX I 'm not sure if that is a good address or not of if she gave me a bogus address. She said her name was XXXX XXXX and the phone number she gave me was XXXX. I believe she now blocked my phone number from calling her because I can no longer reach her and it goes right to voicemail. I contacted the original creditor which appears to be out of business now, which is no surprise if this is how they handle business, but it had a voicemail to leave messages and they said that I will get a call back within 7 business days. When they call me back I will find out exactly who they placed my debt with and the Real name and contact information to the company that is harassing me and my family members. Once i told her i was filing complaints with several offices she said do what you need to and hung up. i said i would pay what i owed if she did n't use these tactics but once i told her everything was recorded she refused everything. She continued to hang up on me.
Complaint sub-issue: Problem with statement of dispute

I had XXXX previous mortgage accounts that were closed/transferred, XXXX in XX/XX/XXXX and the other in XX/XX/XXXX. I disputed these accounts with Equifax stating that I was no longer responsible for these accounts because they were closed/transferred. I received the results of their investigation stating that they verified that it was my account. It just shows the total incompetence of the people responsible for completing these investigations. It clearly shows that there has been no activity on these accounts since XX/XX/XXXX for XXXX and XX/XX/XXXX for the other. It should have been removed from my credit report.
Complaint sub-issue: Their investigation did not fix an error on your report

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts ( 1 ). ( A ). 

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 XXXXXXXX
Complaint sub-issue: Account status incorrect

On XXXX XXXX,2019 I applied for credit with XXXX XXXX and received an alert from XXXX stating my inquiry with XXXX XXXX and that my credit score dropped 40 points. I began to thoroughly look through my report to find out what was causing the 40 point drop and found that Money lion reported my account as closed with a 30 day late XXXX 2019. I contacted money lion customer service at XXXX and attempted to resolve my concern regarding 30 day late payment with XXXX who could not help me and when requesting to speak with a supervisor, initially, denied my request. After I made another request to speak with a supervisor he finally transferred me to XXXX, who told me the I had a payment that was not made XXXX/XXXX/2019. I asked him why was no attempts to collect the unpaid amount made and why this my internal payment history reflects timely payments. Also, I asked why was it showing a 30 day for XXXX when my loan was paid off in XXXX XXXX,2019, He could not answer that. ; I then asked to speak with someone on a corporate level and was advised that he would be the highest I could go and that they could not update my credit report but that I would have to contact the credit bureaus and have them dispute the incorrect information. 

I than began to reach out by help request through the website only to receive scripted response. 

Lastly, I am attaching my last credit report pulled that shows I had 12 on time monthly payments with money lion. As of XXXX/XXXX/2019 not only are they reporting I made a payment late 2 months after my final payment. They have also removed positive reporting data from my XXXX credit report for the following months : XX/XX/XXXX - XX/XX/XXXX. 

They have disabled me from being able to print my payment loan history
Complaint sub-issue: Investigation took more than 30 days

Please look into these negative items on my credit report I have disputed these items more then 30 days ago and have not received any validation or any confirmation which is a fcra violation these companies have also been harassing me this matter is extremely frustrating
Complaint sub-issue: Information belongs to someone else

I have reached out to have these items removed reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. Please remove the fraudulent accounts and inquiries on my credit report. The charges on my account were not authorized. Please block and remove these accounts from my credit report, that any finance and other charges related to the fraudulent amount be blocked and removed.
Complaint sub-issue: Account status incorrect

Equifax, XXXX XXXX and XXXX are continuing to report inaccurate information. This collection with XXXX  should not appear on my credit file for I have sent proof and it still remains. I agreed with XXXX that I would pay for delete. Item is paid and was not removed. Sent in that proof to the credit bureaus. Per XXXX representatives, have advise credit bureaus to remove due to agreement for pay for deleted was completed, yet this still remains on my credit file damaging my credit scores.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I ordered what was supposed to be a new XXXX XXXX XXXX XXXX XXXX XXXX XXXX zoom lens on XX/XX/19 with information on XXXX XXXX XXXX 's website. The lens got to me on XX/XX/19. I tested it for three days, and found that more than 90 percent of the photos were overexposed. I had the lens inspected by a local photography store and was told that the lens is used, broken, and has a counterfeit lens cap. I sent XXXX XXXX an email and a voice mail about these facts. I called them on XX/XX/19 and they told me they had already had a replacement lens ready to ship. Nothing happened. I called them within a week and they said there was a shipping label for a new lens. Next I received an email from them asking me to send the lens back at my own expense, and directing me to ship it uninsured with no requirement to have someone sign for it. 

I called XXXX XXXX on XX/XX/19 voicing my concerns about shipping the lens uninsured.XXXX XXXX told me not to worry. I started a dispute process with Citi Bank. my credit card company in this case. 

I also sent the lens to a XXXX repair facility, and they sent me a repair estimate for {$540.00}. 

Citi Bank ordered me to return the lens to XXXX XXXX. I did this. Citi Bank declared XXXX XXXX 's case was valid. 
Citi Bank also ordered me to then send them proof of delivery and proof of purchase. I did all this, and they have told me they are considering the case. Nothing has happened since then that I can tell, and I have called Citi Bank a few times since I returned the {$2000.00} lens and extended warranty back to XXXX. XXXX. 

XXXX XXXX called me on XX/XX/XXXX, and XX/XX/XXXX. They were rude and insisted the lens was new. On the XXXX they told me they had sent the lens to XXXX for repair, since it is new and covered under warranty by XXXX. 

XXXX contacted me and told me it would take {$700.00} to repair. XXXX also sent me in writing, a statement saying that since the lens was sold to me by XXXX XXXX XXXX, and that since they are not an authorized XXXX dealer, there is no warranty on the lens. I am waiting to get the lens back from XXXX so I can ship it back to XXXX XXXX XXXX. 

I blame XXXX XXXX XXXX for selling me a used lens that does not work. I blame Citi Bank for supporting them.
Complaint sub-issue: Personal information incorrect

I have requested my report to have one name, one address and one employer. I have sent off letters and inaccurate information is still on my report.
Complaint sub-issue: Public record information inaccurate

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : Chapter XXXX  Bankruptcy-XXXX Chapter XXXX  Bankruptcy-16XXXX Chapter XXXX  Bankruptcy-XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit report act XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 u.S.C 1681 section 602 A.states I have the rights to privacy. 15 U.S.C 1681 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
Complaint sub-issue: Debt is not yours

Dear Collector : Please be advised this letter is a demand for validation pursuant to the Michigan Consumer Protection Act and the FDCPA, made by XXXX XXXX. Your failure to respond may trigger action for damages brought by an individual consumer against XXXX XXXX XXXX, for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., and the Michigan Collection Practices Act ( State Act ), MCL 339.901 et seq., which prohibit debt collectors from engaging in abusive, deceptive, and unfair practices. Furthermore, FCRA Sections 623 ( a ) ( 5 ) ( A ) & ( B ) stipulates what a collection agency must do to attempt to determine the date it must provide to a consumer reporting agency for calculating a seven-year period. This date is a key to ensuring that collection accounts, even when transferred from one collection agency to another, do not result in a change in the calculation of the seven-year period for retention of adverse information. 

Be advised THIS IS NOT MY DEBT! Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 ( g ) : I XXXX XXXX states that your claim is disputed and validation is requested. During this period of dispute, consistent with the requirements of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., you are required to stop all efforts to collect this alleged debt and remove any negative reporting to any credit reporting agencies or be held accountable for the ensuing liability and penalties arising under the FDCPA. Further consistent with the requirements of the FDCPA, 15 USC 1692g, please verify the debt you are seeking to collect, in writing, in the following particulars : What the money is owed for ; Explain and show how you calculated what you say is owed ; Provide copies of any papers that show the amount claimed to be owed was agreed upon ; Provide a verification or copy of any judgment if applicable ; State if you purchased this debt from the original creditor ; Prove the Statute of Limitations has not expired on this account Show proof that you are licensed to collect in Michigan Provide copies of your license numbers and Registered Agent
Complaint sub-issue: Information belongs to someone else

To whom it may concern : I have check my credit report and I have found an inconsistency on My credit file, inquiries on XX/XX/XXXX from XXXX XXXX ; XXXX XXXX DEALER S ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; ( XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ) ; ( XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ) ; ( XXXX XXXX XXXX Inquiry : XX/XX/XXXX ) ; ( XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ) ; ( XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ), please verify these items by providing sufficient documentation showing that they belong to me, please provide original application with my signature on. According to the section 609 of the FCRA you have to provide one hundred percent accurate and one humdred percent verifiable information or you have to immediately remove this entry from my file. Be aware that law specify {$1000.00} per unverified item on a consumer credit file. 
Thank you in advance for you quick responds.
Complaint sub-issue: Debt is not yours

I would like for XXXX XXXX XXXX XXXX to show proof of verification that I owe them {$82.00} with ACCOUNT XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now. In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.
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 an account without my written instructions.
Complaint sub-issue: Public record information inaccurate

Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as Social Security Number or Date of Birth in order for it to appear in your credit file. The Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Complaint sub-issue: Billing dispute for services

Home Depot Credit Services contacted me in XXXX about an alleged late payment on my account ending in XXXX. I did not recognize the purchase amount nor the date it allegedly occurred, and I filed a fraud claim with the card issuer. I also made a ~ {$600.00} payment at that time to bring the account current. Home Depot Credit Services reported negative information to XXXX, XXXX, and XXXX credit reporting agencies. On XX/XX/2022 I received a letter from Home Depot Credit Services notifying me that there is a {$790.00} credit balance on my account. I called the card issuer and requested a check to be mailed to me for the credit balance on the account. At the same time a senior account representative refused to correct the negative information with the credit reporting agencies.
Complaint sub-issue: Account terms

I got a judgment on my credit report that said satisfied I have not paid it in full they have 15 days to tell the court they have not done so I will half to fax you the paper work my credit report shows XXXX that is not right thanks
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has refused to properly investigate   XXXX   ( a collection company ) that has erroneously ( with malice ) reported the same debt, twice, as a new collection item. The double-reporting of this collection item is fraudulent. This company has also refused to submit documentation showing date of first delinquency.
Complaint sub-issue: Debt was result of identity theft

I believe that I am a victim of identity theft. Due to the CoronaVirus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I did. I did not receive an actual proof, physical firsthand documentation of the payment history and proof of last payment and these violations persist on my credit report. I just had to escalate to CFPB.
Complaint sub-issue: Didn't receive enough information to verify debt

My Discover Card has been used excessively over the past few years, especially in my husband 's business. However, he was only an authorized user, and I am the responsible party. I am now stuck with over a {$16000.00} debt I can not afford to pay. There is over {$3000.00} applied in just interest over the past two years. I can borrow money from my family in XXXX to settle this account, but all that I can borrow is {$4000.00}. I am a mother of XXXX children and its difficult to just pay my monthly bills, as my husband 's business is failing. Therefore, I am the only wage earner in the family. I respectfully request Discover Card to accept the {$4000.00} settlement amount and it will be paid within ten ( 10 ) business days.