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

I applied for a Citi AAdvantage Executive World Elite Mastercard at a Citibank branch on XX/XX/XXXX and the application was denied. Days later I received the letter and the reason it's as follow : " We received notification from another Citi business that your relationship with Citi has been reviewed and it was determined that we can no longer service any accounts for you '' The reason my application was deny it's vague and doesn't say specifics when The Equal Credit Opportunity Act provides that all consumers should have an equal chance to obtain credit. It requires the creditor to explain their reasoning when denying a credit application. 

As well as the Act requires that the creditor provide the denied applicant with a notice that explains exactly why the application was rejected. The Act also requires that the denied applicant has the opportunity to request an explanation if they ask within 60 days. 
Onviously the card I receive has no valuable information and none was provided by me when I called some different departments at CitiBank.
Complaint sub-issue: Information is not mine

My name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, I noticed that somebody most likely my Brother, XXXX has been trying or it may be possible that he has used my name!! Whom ever is using the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I have never been there in my life, my brother XXXX lives there, I was told that he also used my nephew XXXX 's name to make fraudulent charges in the past!! Whom ever has also been using the name, XXXX XXXX, my phone number is XXXX, cellphone, home XXXX XXXX, Thank you!! Please prosecute!!! XXXX XXXX XXXX.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Complaint sub-issue: Problem with personal statement of dispute

I've written your company several times all sent out via mail. I haven't heard any word so I have no choice but to submit my complaint here about my credit report. There are false or misleading representations. There are several accounts were the payment history is not consistent and should be correct. On XXXX and Equifax it reporting different information. 
The following accounts I have did my due deligence and actually carefully reviewed my report. I feel like you guys are stalling and not properly investigating
Complaint sub-issue: Information is incorrect

For the last year and a half I have been trying to life a security freeze on my credit file. Repeated interactions with Equifax have been unsuccessful, but they have made it plain that if I PAY them to take the freeze off, they will find a way to do it. Most recently, XXXX XXXX, 2017, I called to find out what hoops they wanted me to jump through on THIS attempt. They had me confirm a lot of information, including a credit card account -- the company name and credit limit -- and the name of the company handling my car loan. I did. Then they tell me they can lift the freeze and will send notification to my address -- an old address, which they say I have to send documentation to them through fax or snail mail. This despite the fact that the address for the companies they required me to confirm I have accounts with all have my current address. <P/>Last year I tried to get the freeze lifted, and they repeatedly rejected all the paperwork I sent them, insisting each time they needed something different. AND all of that was at an address different from the one they say they have for me. There was more than enough information in those packages to update the address, yet they did not do it. <P/>I placed freezes on all credit account YEARS ago, and both other major bureaus lifted the freezes LONG ago. <P/>I can not understand why this company is insisting on ONLY accepting from individuals that information that is send by snail mail even when the information fed to them by creditors is not send by snail mail, and why if they are going to collect credit information, they can not request current address information as well!!!! <P/>This is an example of a large credit bureau routinely XXXX  the consumer!!!
Complaint sub-issue: Application denied

They refuse to let me use my card that I was approved for give me hard time this isnt fair what a horrible bank and experience they wont let me use my account
Complaint sub-issue: Attempted to collect wrong amount

I fell behind in my payments and made a payment arrangement where I was making payments on time. Best Buy charged off the account and sent the account to a collection agency known as XXXX even though I was making regular payments. The charge off is hurting my credit and the wrong amount is being reported. I have been and is still making regular payments.
Complaint sub-issue: Their investigation did not fix an error on your report

I am a victim of identity theft. I have disputed this XXXX XXXX account on my credit with equifax and each time equifax states they have verified this account. I have asked equifax to validate this account by sending them a METHOD OF VALIDATION letter that I have attached as a document with this dispute. I have a XXXX score and this account is damaging my credit to the utmost. Equifax has had a breach and I explained to them that this account is a identity theft accountXXXX XXXX and XXXX has removed this erroneous account but equifax keeps sending me this PRE-MADE letter stating it was verified but will not provide and documentation to show this account was validated. Equifax takes my score and drops it tremendously. Equifax breach has caused a lot of damage. E-Oscar is a computer software with glitches and this is definitely a GLITCH! 
I demand this fraudulent account be removed immediately. FCRA ( 609 ) ( e ) documentation is what I have sent to Equifax. I am trying to resolve this matter before obtaining legal representation.
Complaint sub-issue: Old information reappears or never goes away

the account is closed and thee collection company keeps reporting it as new and updating late payments every month. no one has sent me proof of the balance reported is correct. It is affecting my credit report by showing as active and open. It should be a closed collection account. The credit reporting is incorrect.
Complaint sub-issue: Funds not handled or disbursed as instructed

Write a check for {$1900.00} on XX/XX/XXXX, called Key Bank to put stop payment on check, fee of {$34.00} was debited out of said account for service. On XX/XX/XXXX, the check was cashed out of my account. 
Key bank is refusing to immediately put the money back in my account after they see that they are in error.
Complaint sub-issue: Information belongs to someone else

on XX/XX/2022 i spoke with XXXX on behalf of equifax Id # XXXX. she refused to accept my passport card and ftc report to have fraudulent accounts removed and said she would only do so if i sent my social security card in to them which i said was personal.
Complaint sub-issue: Investigation took more than 30 days

on XX/XX/2020 I submitted a Dispute with Equifax, XXXX, and XXXX. In this Dispute I asked these companies to Delete the information on my credit report because they were not reporting 100 % accurately. I also Asked these companies to send me verifiable proof. On XX/XX/2020 I still Did not receive a response from the credit bureaus so I sent in another letter asking for proof of a investigation from the bureaus. and still there was no reply. I sent another letter out letting the bureaus know that they were violating my rights as a consumer by not responding to my request. It is now XX/XX/2020 and still I have not received a response from the credit bureaus.
Complaint sub-issue: Attempted to collect wrong amount

I attempted to email MRS XXXX XXXX regarding an alleged {$50.00} debt, however their return email was sent back to my email as undeliverable. I also tried calling them 3 times and each time waiting on hold about 7 minutes before being disconnected and hung up on. 
I also contacted the original creditor XXXX XXXX and they verified that I do not have any accounts that are past due and that it may be a spam or potentially fraudulent attempt to collect on a debt that is not actually owed. They state the debt as being an account with XXXX XXXX but I have never had an account with XXXX XXXX. I am not sure who this collection company is or what their attempt is, I just don't want others to fall victim to schemes and scams like this. There's too many terrible people trying to steal other peoples hard earned money we don't need companies like this taking advantage of people that may not know better and end up paying on a debt they don't really owe.
Complaint sub-issue: Problem getting your free annual credit report

I requested my annual credit report from Equifax by mailing the form on XX/XX/XXXX. On XX/XX/XXXX I received a letter saying I needed to post to them a load of identifying personal info to prove my Mailing and Current Address. Problem is despite my filling out the form as such and the fact that the mail reached me at my current address which is also my mailing address, they've decided that my former residence is my mailing address ( then why did you mail it to my actual address ). Halfway down the letter as they explain all the hoops they want me to jump through to get something that I'm legally entitled to they change it up by saying that my correct mailing address is my mailing address. So then which am I proving? I got the letter hence this is my mailing address, and I live here, pay taxes here, am registered to vote here, and all my credit lines reflect this as my address. Yet, apparently I need to prove I receive mail somewhere I don't to see my credit report? The whole exercise just seems blatantly designed to make them not need to follow the law and instead sell their credit reports as simpler to get. Luckily they've used my signing up for monitoring from their breach to bombard me with adds telling me to just pay them for the report, surely there's no gain for them sending contradictory and confusing letters to add hassle to the actually free option.
Complaint sub-issue: Can't close your account

I closed the above Credit Card accounts with US Bank a few years ago. They have held the balance of my funds in one or more of those closed accounts plus interest to date and have refused to refund my money to me. I am aware of {$3.00} in one account alone in which they mailed me a check then stopped payment on it causing me 5x the amount in bank fees by my new and current bank that the check was deposited into. I believe this was done intentionally and maliciously in retaliation for my filing a complaint against them in the past.

I received a letter dated XX/XX/XXXX from US Bank followed by a check in the amount of 13 cents re : interest and/or fee adjustments on dispute or fraud claims I filed against them with the past 8 yrs. This was only for the account ending in XXXX ( see attached. ) I WAS NEVER PROVIDED ANY INTEREST/FEE ADJUSTMENTS ON MY OTHER US BANK CHECKING ACCOUNT.

THIS IS UNRELATED TO MY CREDIT BALANCE IN ANY AND ALL OF MY CLOSED ACCOUNTS.

XX/XX/XXXX I phoned US Bank Cardmember services. I spoke with the representative who transferred me to her Supervisor XXXX. I had to go over the story twice, asking that they refund me any and all funds I have in any and all of the three closed credit card accounts with them.

He claimed they had issued me a check on XX/XX/XXXX and despite the fact US BANK stopped payment on the check and it was returned to them ( causing me 5x the amount in bank fees! ) whereby I NEVER RECEIVED MY MONEY, he stated US Bank had deposited my money into my other closed credit card account and he refused to refund my money! He also refused to provide me with his Supervisors name and refused to allow me to speak with his Supervisor. I spent 41 minutes on the phone only to be run in circles.

I am a senior citizen. US Bank should be forced to turn over my money to me plus interest and be penalized by their governing agency for THEFT. Thank you.
Complaint sub-issue: Account status incorrect

I recently checked my credit reports and learned that an account in good standing had been removed from my credit report without my authorization, knowledge or in error. This has significantly affected my credit score and ability to apply for new credit. I ask that this account be placed back on my credit reports. This should be reported by law until XX/XX/XXXX. 

Account info Account name US DEPT OF EDXXXX Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$20000.00} Highest balance {$0.00} Terms NA On record until XX/XX/XXXXXXXX XXXX
Complaint sub-issue: Information belongs to someone else

XXXX account # XXXX open date XX/XX/XXXX amount XXXX I called XXXX also file an FTC report and they told me that they no longer have that info FCPA section 807 violation misleading false reporting and like this removed account # XXXX XXXX XXXX open date XX/XX/XXXX, amount {$130.00} this account is also fraud and did an FTC REPORT XXXX XXXX XXXX account # XXXX amount {$7300.00} open date XX/XX/XXXX, this account is not mine as well as the others
Complaint sub-issue: Received bad information about your loan

I have repeatedly called on each below date and asked for a " conditional approval letter '' for each of my four loans through Discover which were bought from XXXX XXXX. Each time I asked for the approval letter I was instead sent a copy of my initial loan application before it was approved. In the loan application is says my variable interest rate will be as identified on my conditional approval letter. Discover Student Loans is unable to provide the " conditional approval letter '' which leads me to believe they may be misleading me on my variable interest on all of my loans. 

Each date I called Discover Student Loans, requested the conditional approval letters and filled a formal complaint. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent a dispute to equifax for XXXX. THis account has a a XXXX balance for 1 year and it still shows XXXX balance. 

Equifax came back and updated the account to 120 days late. How can a account that has a XXXX balance be 120 days late as of XXXX 2017. 

I have attaced XXXX credit reports showing this acconut has maintained a XXXX balance and it needs to be corrected showing current and removal of 120 days attached is current and previous credit reports showing XXXX balance
Complaint sub-issue: Account terms

XXXX account # XXXX The late dates are an inaccurate representation of my billing history with this company. They did not deliver my furniture as specified. I have a long history going back and forth ; it took them more than 90 days to complete delivery of the goods purchased. During which time they were accuring billing and late fees. However, until they delivered my furniture as agreed, they should have begun billing me. I began paying them when I recieved my furniture order in full.They are claiming I 'm late and reporting dates are inaccurately. I paid them in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but they also began billing me before delivering my products undamaged.
Complaint sub-issue: Information is not mine

Told them threw divorce XXXX XXXX XXXX card was my wifes to pay off She left it go into default, for the credit consolidation to take it over for her. I told Equifax this they did nothing on my part .Iv payed over XXXX Worth of credit off last month yet my credit score dropped over XXXX and XXXX more points this week, Yet they keep slamming me with buy there credit monitoring in my emails, MY XXXX scrore is XXXX and Equifax has me at XXXX and keeps spaming me with buy there product .This is bs .I got Divorsed 2 years ago and have been working hard on brining my credit up, They are an unfair company nothing has changed for them to drop it, All I have done is pay pay and pay more debt down to try to improve it.
Complaint sub-issue: Can't close your account

I have tried to close my account multiple times since I never had much use for it. I had an overdraft fee once for a third party trying to withdrawal money from my account after I had tried to cancel with them. I was not able to Update the automatic payments therefore caused the first part of the problem. However, the bank refunded the fee after I told them of the problem and I told them my intention was to close the account. Then a month later, I get another overdraft fee for the same problem. I tried going into a branch and no one was able to help me after waiting for over an hour. I called again on XX/XX/XXXX and the wait time was 53 minutes!!! ( Not exaggerating ) I asked for a call back so I didnt have to wait on hold. I never got a call back. Now Im getting collection calls.
Complaint sub-issue: Information belongs to someone else

Received USPS change of address verification letter on XX/XX/2022. Contacted USPS and advised change was not requested and to cancel change of address. On XXXX XXXX received a credit card in the mail from XXXX XXXX Bank and a letter from same dated XX/XX/2022 about my application/request for the card. I did not make this request or application. On XX/XX/2022 received a credit card from XXXX XXXX that stated I had requested it. I did not apply or request this card. On XX/XX/2022 I called both companies and reported them as not requested and cancelled them. On XX/XX/2022 I ran my 3 credit reports. There was a different credit card that was opened XX/XX/2022 that I know nothing about. XXXX and XXXX both had XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX as an address for me that is not mine as I have lived in Colorado my entire life. 
XXXX asked us to file this report and upload it to them.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$100.00} XXXX XXXXL XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX Balance Owed : {$610.00} MID FL XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Owed : {$2900.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Owed : {$720.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Deposits and withdrawals

Yesterday night at XXXX ; XXXX a visitor accessed my phone when I was showering. She opened my phone and made a cashapp transaction to herself of XXXX XXXX she became uncooperative saying she doesnt have access to her account.
Complaint sub-issue: Problem with statement of dispute

Equifax has not provided me with the source of who furnished them with the information on the judgment they are reporting. I am not aware of this or who gave them the right to post this information. They refer me to the courthouse who they are saying verified and provided the info. I personally went to the courthouse with Equifax 's response to see what was going on and the clerk stated " Equifax is lying to me, their dept does not provide or verify any information to the any bureau or third-party reporting agency ''. They have this problem with Equifax all the time saying the same thing to various people and it is not true. She also told me they had a lawsuit against them for this very thing to XXXX it. I decided to look up lawsuits against Equifax after leaving and they did have a class action civil lawsuit, XXXX XXXX et al, for not properly providing the source of their info on public records and stated it was a violation of FCRA. Then I researched FRCA and found that according to FRCA 15 U S C 1681 ( g ) they have to send me proper documentation ( file info, verification methods and response ) of what they have associated with any acct ( not just verified ) and section ( i ) states it must be deleted if not properly verified. I also found section 611 ( a ) ( 5 ) ( A ) ( i ) states they can not report inaccurate, unverifiable, untimely info. If the courthouse did n't provide this info to Equifax to report in the first place nor verify what they are reporting is correct or valid how is this even on my credit report to start with? I want it removed immediately. They are the only one reporting this inaccurate, detrimental information to my credit report and it 's affecting my creditworthiness.
Complaint sub-issue: Trouble with how payments are being handled

XXXX XXXX reportedly received a notice that I was enrolled in a professional program ( i.e. a XXXX XXXX program ). Without talking to me, they put my payments in deferment, which affects my status in income driven repayment and public service loan forgiveness. I did not want this. I wanted to keep my payments in the income driven repayment plan, and keep making my payments so I can get the loans paid off and get public service loan forgiveness. No one ever checked with me, they just did this and then sent me the notice. Their message stats that if I try to switch back, my interest will be capitalized ( current balance is {$440000.00}, so capitalization would put this over {$500000.00} ). I tried to contact them, but they do not return my messages. This all comes after I spent 4 months ( MONTHS! ) getting into the current income driven repayment plan. Additionally, their calculation of my PSLF payments is still incorrect -- they are off by more than 10 years now. No one is returning my calls.
Complaint sub-issue: Information belongs to someone else

Open road lending states that on XX/XX/2018 I applied for a loan which I never did. There are hard inquiries on my credit reports XXXX XXXX, XXXX  and XXXX. I called open road lending and they stated, there was an application on file but, wouldn't give me any information about it.
Complaint sub-issue: Debt is not yours

I have an account on my credit from I C SYSTEMS COLLECTIONS # XXXX in the amount of { {$1400.00} } This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this account belongs to me. If they are unable to provide documentation I want this removed from my credit immediately.