Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Reporting company used your report improperly

The proper option was not provided. Nor Other Option. 

It so happens I applied although hesitant for a Best Buy Managed by Citi Bank. And within seconds I was literally told a decision will be mailed to you. I have the option to email my decision. I was so infuriated I made countless calls on Friday XX/XX/2020, minutes after. Calling the Credit Card Status was not an option as my Social Security was not recognized. I call Best Buy Customer Service, was transferred to a live person right away. Well, the individual blatantly told me my decision was not based on my Credit Score. But income. And I will receive a letter via mail. 
I stated that was discrimination because Im on XXXX. 

This morning XX/XX/2020 I receive a PDF without a Password. Attachment included. I call the number later on in the afternoon. Also Screenshot of all included. 
I explained to representative about the email without a password as the fact I was discriminated due to my income. 
She transfers me over to her Supervisor XXXX. This was all from my cell phone XXXX. 

She rarely let me talk. Talked over me and told me the reason for denial was because my rent was XXXX $ for and my income is close to XXXX $ per yr. Income was not enough. 
I said I applied for a Home Depot Card and was accepted. She replies! Yeah. And your rent income was not put in. If it were, it would have been denied. Im looking at your application right now. 
I stated, first off. I did not fill out the application at Home Depot. I told him ( The Associate who processed Application ) I paid XXXX . My son and I go half and half on bills.. 
I filled out the Best Buy Application va internet. Why would I lie? 
She said! Well. You do not make enough income for a credit card. This is a Federal Law That was signed by Obama. Anyone making XXXX or less should not be approved. Really? 

I told her. So explain to me this. I have a secure credit card~ a Home Depot Card.~ pay half water ~ light~ Cable ~ XXXX Prescription Insurance premium. Which I make payments on. 

She said! And the Home Depot would have been denied. It had XXXX income. There you go CFPB ... Youd think with XXXX income on rent you would get a credit card? 
No.. 
I tried calling Corporate Office Liason. But waited for close to two hours and hung up. Given to me by the screenshot with XXXX area code. 

I want them to remove that Hard copy inquiry which hurts my credit. Stays for 2 years. 
All I wanted was to purchase a printer. 

This is full-blown XXXX discrimination due to financial status. Not to mention, my credit score came down a couple of notches ..
Complaint sub-issue: Debt is not yours

On XX/XX/2022, I mailed a Validation of Debt [ Exhibit A ] and Cease and Desist Letter [ Exhibit B ], to UPGRADE with specific demands to identify the original creditor, provide copies of the original lawful contract signed by both parties in wet ink, and provide validation of the alleged debt ( actual accounting ). These letters were sent via XXXX Mail # XXXX [ Exhibit C ]. UPGRADE received these instruments on XX/XX/2022 and chose to not return the Domestic Return Receipt. Respondent was given thirty ( 10 ) days from day of receiving Validation of Debt to provide proofs of claim, point for point ; however, Respondent chose to either remain silent or otherwise refused to provide said proof of claim ( s ) and, therefore, has failed to state a claim upon which relief can be granted. Respondent has agreed and stipulated to the facts and agreed that the undersigned Secured Party can only discharge said debt via the remedy provided by Congress via HJR-192 with a Bill of Exchange or other appropriate commercial paper. 

AFFIDAVIT OF TRUTH Formal Affidavit of TRUTH [ Exhibit D ] was sent to UPGRADE as a result of their failure to comply with demands stated in the Validation of Debt Letter. Said Affidavit of TRUTH was sent via Certified Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022 [ Exhibit E ]. Respondent sent a copy of its permission to pull credit not signed by me and a copy of a generic contract that too was not signed by me. 

Conditional Acceptance Formal Conditional Acceptance [ Exhibit F ] was sent to UPGRADE as a result of their failure to comply with demands stated in the Validation of Debt Letter, and Non-Compliance Affidavit. Said Conditional Acceptance was sent via Certified Mail # XXXX [ Exhibit G ] dated XX/XX/2022, and received on XX/XX/2022 [ Exhibit I ]. 

NON-RESPONSE AND FAILURE TO CURE FAULT After 10 days of receipt by UPGRADE, having not received and showing no record of response to items listed in my Conditional Acceptance sent via Certified Mail # XXXX [ Exhibit G ] dated XX/XX/2022, and received on XX/XX/2022 [ Exhibit I ] said Conditional Acceptance to Cure is now in Default. 

NOTICE OF DEFAULT AND CONSENT TO JUDGMENT Whereas, for the reason of UPGRADEs failure to cure and honor, Fault places UPGRADE in Default. For the course of dealing, set forth herein, with UPGRADE failure, refusal, or neglect in the presentment of a verified response to the Validation of Debt, Affidavit of Truth, Conditional Acceptance, and Notice of Fault and Opportunity to Cure, constitutes the Respondents failure to perform in good faith and the Respondents acquiescence and tacit agreement with all terms, conditions and stipulations set forth within the Notice of Default and Consent to Judgment, Validation of Debt, and Notice of Fault and Opportunity to Cure. Further Affiant saith not.

All documents have been sent to Upgrade and are too large to share in this format. They can be provided if requested by an outside party.
Complaint sub-issue: Account status

I received a credit report from Equifax showing a XXXX SERIOUS DELINQUENCY code for a XXXX XXXX account with the comment " ACCT SUBMITTED TO COLLECTION ''. I disputed the item and contacted XXXX directly. They agreed that the account had been paid on time and have no record of a collection action. They mailed me a letter stating as such. 
Despite the item being in dispute and the subsequent admission by XXXX that this was an error, my FICO score is unusually low and is causing a direct harm to me as the cost of a loan product will increase by {$60000.00} over the loan term.
Complaint sub-issue: Their investigation did not fix an error on your report

Good morning, I am inquiring on the remaining negative account which are currently impacting the overall state of health of my credit. i is not fair to me that after several attempts at trying to correct the information with the credit bureaus, they have failed me once again. I am not going to hesitate on taking legal action if they do not wash out the negative, inaccurate and incomplete information off of my credit reports. What is the delay in response??? Why hasn't Equifax, XXXX, nor XXXX  resolved the issue with the accounts? the XXXX ( XXXX XXXX XXXX ) collection accounts are still accurately and falsely reporting. The credit bureaus were able to remove all of the other history on my credit report, except for those two accounts. Please help me resolve this issue, I'd greatly appreciate it.
Complaint sub-issue: Not given enough info to verify debt

I received an attempt to collect a debt by XXXX on behalf of I.C. System, Inc. and I requested debt validation. I have yet to receive validation of this debt. Instead, I received a letter from XXXX stating that the account has been closed and returned to their client I.C. System, Inc.
Complaint sub-issue: Account information incorrect

There is an auto account listed on my credit report that is in-accurate or reporting incorrect information. This is negatively impacting my ability to attain credit.
Complaint sub-issue: Account information incorrect

On XXXX XXXX, I mailed a letter disputing inaccurate or incomplete information contained in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following 1. XXXX XXXX  XXXX XXXX 2. XXXX XXXX  XXXX 3. XXXX XXXX XXXX. 

I am in receipt of the response XX/XX/2021 The issues don't seem to be resolved. 
1. XXXX XXXX Account # XXXX Date of first delinquency is still not provided, missing actual payment amount and scheduled payment amount. 
2. XXXX XXXX  XXXX The Status of the account is still wrong even after you claim to have verified it. It can not be over 120 days past due. It is closed XXXX  account 3. XXXX XXXX  XXXX The Status of the account is still wrong even after you claim to have verified it. It can not be over 120 days past due. It is closed XXXX account I attached my previous letter along with the response showing the errors still reporting.
Complaint sub-issue: Problem with customer service

Account Number : XXXX I am in my final third year of the post discharge monitoring period, Nelnet is responsible for sending me the form to complete of documentation of earned income which is due in XX/XX/2021. As of yet, Nelnet has been negligent in sending me this form. Also, as of XX/XX/2021, I verified with XXXX at Nelnet that they have corrected my address to reflect : XXXX XXXX XXXX, XXXX XXXX FL XXXX. 
Why hasn't the form been sent?
Complaint sub-issue: Was not notified of investigation status or results

I filed a dispute with the XXXX XXXX XXXX in regards to inaccurate inquiries reporting to my credit reports. I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

On credit carma it told me i was pre approved for two credit cards. So i filled out for both of them. I was not accepted to either one and it put inquiries on my report which made my credit score drop. I only filled it out because ive never had a credit card before and it said it would raise my score if i got one but it made it worse.
Complaint sub-issue: Debt is not yours

On XX/XX/2022, I C SYSTEM added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA, I C SYSTEM has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Complaint sub-issue: Information belongs to someone else

ON XX/XX/25 I SENT A LETTERS TO MY CREDIT REPORTING BUREAUS INFORMING THEM THAT I SAW MY CREDIT REPORT AND THAT THERE WAS OBSOLETE AND INACCURATE INFORMATION ON MY CREDIT REPORTS THAT WERE HURTING MY ABILITY TO APPLY FOR CREDIT. ITS BEEN 30 DAYS AND MORE AND I HAVE YET TO RECEIVE ANY RESPONSE FROM THEM. I'VE TRIED TO CONTACT THEM BY MAIL AND PHONE AND HAD NOT SUCCESS. BELOW WILL BE THE ACCOUNTS THAT ARE NOT MINE AND I HAVE NOT SEEN AND PROOF TO SHOW THAT THE INFORMATION IS CORRECT. 

XXXX. XXXX XXXX XXXX ACNT # : XXXX {$11000.00} XXXX. XXXX XXXX XXXX ACCNT # XXXX NO BALANCE REPORTED XXXX. XXXX XXXX XXXX XXXX  ACCNR # : XXXX {$15000.00} XXXX. XXXX XXXX XXXX ACCNT # XXXX {$4700.00} XXXX. XXXX XXXX XXXX ACCNT # XXXX {$2000.00} XXXX. XXXX XXXX XXXX XXXX # : XXXX {$11.00}, XXXX
Complaint sub-issue: Personal information incorrect

I've tried to get the credit bureaus to fix my personal information since a year ago, but they are not updating my personal information. I faxed, Called and Sent out letters, they still did not updating anything. Please help me out.
Complaint sub-issue: Charged too much interest

I had a city XXXX XXXX card and although I was set up on auto pay they very commonly did not run my payment on time and would charge me {$29.00} late fees. Because of this repeatedly happening I canceled and closed the card. I had a balance on it I was paying off. On XX/XX/XXXX I made the final payment of {$1600.00} and paid off the card. Yesterday XX/XX/XXXX I received an email from them telling me that my payment was late. I logged into my closed Citi account and found that I was charged {$9.00} interest. On my XXXX balance. I called them and I was told by a very abusive foreign man that if I did not pay this {$9.00} that they were going to continuously mark me late and that they were going to trash my credit. Again I was charged interest on a XXXX balance on a closed account. An account that I closed because they repeatedly fraudulently charged me late fees when I was on auto pay.
Complaint sub-issue: Threatened or suggested your credit would be damaged

I received an alert from my credit monitoring system saying that a collection had been placed on my credit recently. Once I was able to locate the collections and find out who it was from I tried contacting and got no response. It is in the amount of {$880.00} from a medical bill that was covered by my personal insurance as well as a victims advocate group for a XXXX XXXX. They have placed this negatively on my credit and are refusing to remove even with police reports, proof from Insurance payments as well as a letter from the victims advocate. I want this negative marks removed from all three of my credit bureaus ASAP. I have never had any kind of negative marks placed on there until AR RESOURCES placed this upon my credit. They are stating that bills were sent to me which were sent to an address I have not lived at in almost 9 months. And this is not something I should be responsible for as a victim. That is the whole reason that victims advocate group step up and take care of medical expenses when someone is XXXX any public location.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

XX/XX/21 Caller was looking for my mother 's information. 
When I called their number back it requests for bank account number and FULL Social Security Number. 
The recording claims to be Jefferson Capitol llc. 

I believe they are scam callers trying to steal people 's information and money. 

They called from XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

Cks financial hit my credit report as a line of credit for {$7000.00}. I have never entered into any contracts verbally or written with this company. They have not sent any correspondence as to why or how my personal identification was used to open an illegitimate account. The desired outcome is for them to remove any open accounts under my personal information and close all accounts or services under my personal information. And to be fined for deceptive practices and failure to communicate intent, purpose and documentation for any open credit services or contracts which I have not been a willing party to.
Complaint sub-issue: Investigation took more than 30 days

My attorney and I have been working with each credit Bureau and some of the item was removed found to be fraudulently were taken off but my score is mainly the same they have not updated my score as it should be higher even after they have removed item that was fraudulently done. he is still working with them and so am I they have only raised my score slightly. XXXX  I have called and all I get is the same answer it has been more than 30-60 days I have been working with them and my attorney has held a 3way conference call with them. I really hope this issue can be resolved. What good is it if know one listen coming from a person who has been involved with someone using my identity, I have took every step that was requested of me with my lawyer involved that still has not raised my score as they should have.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Hello I am a first time customer for purchasing a new vehicle in my name. When I was offered for a deal on a new car. I was told by the car dealership that it would be several such as 2 to 5 loan members that will be credit reporting my credit score.. Due to this I seem to look on my credit report and it has been dozens of car loan lenders attached to my account which took a huge toll on my credit score. It has been hard for me finding a house credit score to XXXX dramatically dropping. All lenders that I've seen on my credit report is not recognizable anot recognizable and I would like you guys to please please see into this situation.
Complaint sub-issue: Reporting company used your report improperly

In Accordance with fair credit reporting act XXXX  accounts # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX # 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 right to privacy.

15 U.S.C 1681 section 604 A section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Personal information

There are several discrepancies with my personal information. The following does not apply to me : I am not associated with these names : XXXX XXXX XXXX XXXX XXXX I have not lived at these addresses : XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

My Fair Credit Reporting act consumer rights have been violated. The accounts listed below have violated my federal given consumer rights to privacy amongst other things. 

5 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Complaint sub-issue: Personal information incorrect

Equifax is reporting on my credit report the following residential addresses which I have never lived at. I have already submitted two dispute letters with them and they have still failed to remove the addresses from my credit report. 

XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX CT XXXX TX XXXX I have attached a copy of my credit report which shows the addresses still being listed.
Complaint sub-issue: Account status incorrect

PNC bank failed in the electronic funds transfer that has been in place for over 24 months at the time of origination. I had made Principle only payment on XX/XX/XXXX and again on XX/XX/XXXX. The customer service representative did something wrong and my EFTs stopped. I was unaware of the problem until I received a Late payment notice. 
Monthly Payments - {$500.00} I called and spoke to XXXX XXXX in Loan servicing about the problem., and he assured me that the problem was corrected. 

In XX/XX/XXXX I received another Late payment for being late for two months. 
I again called and spent 2 hours trying to resolve my issue. 
After trying to reestablish my EFT, it was determined that my account was frozen and the only way to become current was to send in via a check payment. 
The stated reason was that PNC IT systems were not sync and an upgrade caused the EFT to stop. 
The resolution that XXXX XXXX am I worked out was to pay off the entire loan. 
The Loan was paid off via an EFT - XXXX. 

The title has been received. 


When I paid off the loan XXXX XXXX again assured me that my credit would not be impacted. 
I check my XX/XX/XXXX Credit score and it was XXXX. The Credit Score in XX/XX/XXXX is now XXXX. 

I have an escalation pending with PNC Bank I opened the escalation on XX/XX/XXXX. 
XXXX XXXX XXXX, VP is the representative XXXX XX/XX/24 Called PNC - XXXX XXXX about the credit report. 
He could not open my escalation file. 
Had me call XXXX the main PNC bank number Been on hold for 20 minutes while going through VRI system to get to Escalation department. 

Spoke to XXXX XXXX XXXX - she was out for XXXX from XX/XX/XXXX to XX/XX/XXXX. 
She said a letter was send stating my credit was negatively impacted. I did not get the letter through USPS. 
Requested that the letter be emailed to me. 
Requested the name of her boss for further escalation - XXXX XXXX - XXXX
Complaint sub-issue: Company closed your account

I was attempting to make several credit card payments to my credit card ending in XXXX to Citicards through my checking account with Citibank ending in XXXX. 
I did these payments on XX/XX/XXXX th XXXX th and XX/XX/XXXX. On XX/XX/XXXX th found out that the payments didn't go through because they couldn't locate my bank account number. I asked why no one got in touch with me sooner so I could make the payments another way but wasn't really given an answer. Anyway got in touch with Citibank and was told that there was a technical glitch and an additional number added to my account by accident. I explained that to Citicards but they proceeded to close my credit card account and then closed my other two credit card accounts with citicards. I have not been able to open another credit card with Citicards and have tried applying for a card XXXX XX/XX/XXXX and was rejected. I have paid everything I owed at the end of XXXX which wasn't even due until the end of XXXX. There is no legitimate reason for citiicards to reject my request for another credit card. In the past I've always been successful making payments using Citibank app on my XXXX and tried to explain that I did not make any payments where I have had to enter my routing number or bank account number but they refuse to believe that the bank made an error and Citibank continues to take any responsibility for this error. I already accrued XXXX miles with their credit cards. If you need any other information please let me know. I have a fourteen year relationship with Citibank and the i credit card company and in that time have never had anything like this happen. I also have a XXXX credit rating with the three credit bureaus because I always pay my bills early but always when then ate due. The three payments amounting to {$380.00} weren't even due but had texted money so decided to pay off part of my {$850.00} balance early, something I do On a regular basisa If you require further information please let me know. Thank you
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, Account number 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 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