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

On XX/XX/XXXX I contacted Citibank Credit Card applications to find out the status of my application, that was referred to me from XXXX, due to my exceptional credit score. 

I talked to XXXX, whom informed me that my application was denied, due to not being able to identify me. Case closed, ( See enclosed XX/XX/XXXX letter ), I was shocked to find that I was not allowed, ( trusted ), to identify myself, denied a way to fax over a utility bill, or ID, notary, something, to complete the application. I asked to talk to a supervisor, after a few minutes on hold, I was informed that XXXX was using some kind of security website, ( unknown ), and that I was found on it, and a phone number was listed next to my name, and XXXX was to call it, and if I answered, then my application would be cleared, but, if I did not answer it, then I would denied approval. 

I expressed some common sense here, stating, what if that number, ( which I did not know what number it was ), was disconnected, old, discarded, not mine, whatever, and again I was informed that this was their policy, and I was to be denied approval. 

Well, I wished XXXX good luck on that, and expressed that I spent too much time in this rabbit hole long enough. 

On XX/XX/XXXX, later that day, I finally found the Office of the President of Citibank, ( XXXX ) XXXX, and talked to XXXX XXXX. 

I explained the above to XXXX XXXX, and he seemed understanding, and asked for some time to INVESTIGATE the situation further, and he would contact me with his findings. 

I called his direct line, and left a message on XX/XX/XXXX, asking for an update ; I never received a callback, as a matter of fact, as of the writing of this complaint, XXXX XXXX, never contacted me again. 

On XX/XX/2021, I called XXXX XXXX, again that went to voicemail, ten minutes later, I received an email letter from his department, ( See letter dated XX/XX/XXXX ). 

That letter dated the XX/XX/XXXX, is the same response that was the same as, when I talked to XXXX on the XX/XX/XXXX. 

In fact, that XXXX XXXX, did nothing, but waste time.
Complaint sub-issue: Debt was result of identity theft

I'm victim by identity theft, I don't recognized this fraudulent activity on my account and they destroying my credit.
Complaint sub-issue: Account status incorrect

On or about XX/XX/2020, I got a XXXX late payment on all 3 credit reporting bureaus from XXXX XXXX  XXXX XXXX XXXX. I called collections department and spoke to a supervisor and she stated it was a computer glitch and it was a mistake. She said it will be updated and removed. It was updated but it wasn't removing because it's still showing on my credit report.
Complaint sub-issue: Account status

Equifax posted a " major derogatory '' on my credit file that was reported to XXXX not Equifax. I have disputed the item with XXXX and it was deleted. The account was paid in full with XXXX and never should have been reported as delinquent.
Complaint sub-issue: Debt is not yours

Debt recovery co. Enhanced Recovery filed false claim, I spoke with co. they claimed I owe and that co. has no unpaid bills under my name plus I never lived at address they have on file. I filed a complaint last year with your guys about same acct against XXXX XXXX, both of these co 's have multiple complaints from consumers about these co 's filing false claims under fake accts to extort payments. They claim I owe {$440.00} and sent negative report to my credit report on XX/XX/19 and XX/XX/19.
Complaint sub-issue: Debt was paid

This debt was paid XXXX XXXX. 2015 and they will not take it off my credit report after disputing this over and over.This is with USCB
Complaint sub-issue: Information belongs to someone else

This has to do with an old complaint, a while back i wrote you are in regards to an account on my credit file, that was caused by identity theft/fraud. this account was remove from my file and then re-inserted and re-aged over and over again. I sent in a police report and it was deleted from my account, then the credit bureaus put them back on my file, so i went and file another identity theft police report in regards to the same account, it was deleted then again re-inserted and re-aged again, due to the fact, another collection agency purchase this same account. how can the credit bureaus keep allowing this same type of action over and over again, without putting a block on this fraudulent account. this should be considered a scam from both the credit bureaus as well as the collection agencies working together with each other. This surely goes against the FCRA Laws and by laws. it seems the credit bureaus do not care about the consumers rights, only making money with the collection agencies. This account has been deleted from my file about 12 times and re-inserted and re-aged.
Complaint sub-issue: Information belongs to someone else

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

I have tried so many times to resolve this debt with the original creditor. The problem is that XXXX was purchased by XXXX XXXX XXXX. My account originated with XXXX. According to any representatives I speak to, they supposedly can not see the previous notes on my account. I opened an account with XXXX. I am a renter of my home and the landlord signed a release giving permission for the dish to be placed on our roof. After a period of time, my landlord revoked the permissions and demanded the dish be removed. My apartment is above a business in the city and he wanted the dish removed. I immediately contact XXXX and advised the representative of this matter. He advised me he would send a box to return the equipment. He did, however, advise to either keep the dish or throw it away. That nobody would want it back. He advised of my final bill and we determined a disconnect date. I paid my final bill and the services were shut off as planned. Not long after that, I received a bill from XXXX. it is important to note that by this time XXXX was acquired by XXXX XXXX XXXX.  The bill was a fee for early termination of my account contract. I advised the representative of the reason I had to disconnect services. She advised just like the previous rep that I would NOT be penalized because of my landlord revoking permissions. She stated the bill was an error and I had a XXXX   balance owed. She stated she would correct the billing error on my account and the call ended. Months and now more than a year has gone by and, I have disputed this file with XXXX   and XXXX XXXX XXXX through their corporate offices. Originally this debt was with a different collection agency. I received a letter from that collection agency that, they would no longer be collecting this debt and, they would return it to the creditor. At one point the creditor did contact me to see if I had any other location the dish could be placed. I advised him that I lived in the city, I had only one rooftop which was shared by the business below. I advised him the landlord revoked permission to have the dish on the roof. He advised me that I would not be billed the termination fee. In addition to writing and speaking to multiple reps, I also faxed and mailed a signed letter from my Landlord advising he will not allow the dish on the property as ordinances in the city limits had changed. Due to the HUGE lottery dish that must be installed for State Lottery and Food Stamp transmissions he would NOT allow another dish. I was pleased when I received the letter from the previous collection agency as I thought finally it was resolved. Now I am finding this back on my credit bureau reports with a new collection agency. This is unacceptable. I have done everything possible to rectify this situation.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Complaint sub-issue: Other problem

On XX/XX/XXXX I called and paid the full balance of an older charged off account with a Debit Card. On XX/XX/XXXX I called and spoke with a representative and I was told that they would email me a letter in 1-24 hours and it has now been 3 days. Today, XX/XX/XXXX, I called again and asked for the letter to be emailed or faxed and XXXX ID XXXX stated that Citibank will not send me any proof of payment at all for 15 days. I asked to speak to a manager and was told they will tell you the same thing. They have taken my money and are refusing to provide me receipt of payment.
Complaint sub-issue: Problem with statement of dispute

My complaint is with USBank. Apparently, they said that they mailed me a letter in XX/XX/2016 alerting me to an increase in my APR from 15.24 % up to 20.49 %. Supposedly this letter said that I could " opt out '' and close my account if I was not agreeable with this change. I have asked for proof this letter, which I never received. First of all, I never received this letter. Secondly, I would have opted out and closed the account. Thirdly, they have since increased my credit line to {$21000.00}. Please help!!
Complaint sub-issue: Contacted me after I asked not to

Conn 's Home Plus contacts me via XXXX phone calls per day to collect the monthly charges if I 'm late paying them. They give an XXXX grace period to pay pass the due date but they will still call during that time.
Complaint sub-issue: Problem getting report or credit score

I have tried repeatedly to have my security freeze temporarily lift. Equifax refuses to lift it. I have supplied them the PIN #, my drivers license, social security card, and bank statement. I have also paid the required fee. I am unable to obtain credit due to Equifax system issues. I have called them repeatedly. I got no help from their call center in XXXX.
Complaint sub-issue: Account information incorrect

Hello, My name is XXXX XXXX. I am so frustrated about Equifax company and how it works their system. honestly, I tried everything that I can and even sent them the statements. 

XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, CO XXXX Phone : ( XXXX ) XXXX My account number is XXXX opened the account XXXX 2017 This is what they are sending me the last two months. Equifax has completed your dispute for Confirmation Number XXXX and nothing changed Please fix this issue. 
Thank you.
Complaint sub-issue: Old information reappears or never goes away

XXXX is a criminally motivated company- in spite of 10 complaints did not remove the old address to current new address, even after confirmed by XXXX  XXXX XXXX This criminal conduct by XXXX is harming me to open a new credit card. 
Current Address XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Furthermore, this criminally motivated company - Experian never provided any evidence that I applied credit to this company below " XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX MN, XXXX '' ================================================================== I am getting a lot of spam calls to my personal phone number, XXXX, Equifax and this criminal company XXXX MUST NOT list my personal phone number in my credit report at all
Complaint sub-issue: Sued you without properly notifying you of lawsuit

XXXX XXXX XXXX hospital and XXXX XXXX didn't fill out the paperwork for the insurance correct I have been XXXX  10 years and have Medicaid and Medicare and Medicaid I don't owe anything for the bills
Complaint sub-issue: Information belongs to someone else

To whom it may concern, In XX/XX/XXXX I submitted a dispute to Equifax ; to dispute items that was reporting incorrect on my credit report and to also dispute items that was reporting on my credit file that was associated with the Theft of my identity and Fraud accounts. 

With my dispute request I mailed in all supporting documents ( FTC report, policy report, IRS ID Theft report, and Department of Education notice ) In XX/XX/XXXX Equifax updated and corrected all the error ( s ) on my credit file. 

During the week of XX/XX/XXXX. I attempted to gain access to my credit file and was unable. After a week of requesting to unlock, unblock, and unfreeze my account. 

Per Equifax they combined the Fraud credit file and my True credit file together so I could gain access to my credit file. 

On XX/XX/XXXX I noticed that the Items Equifax removed in XX/XX/XXXX was put back on my credit file and also New account Ive never seen on my credit file before. 

I contacted Equifax CRA department on XX/XX/XXXX and they stated it would take up to 30 days to dispute the items they deleted in XX/XX/XXXX and the new items they combined with my True credit report ; that was on a second credit report due the ID theft Items Equifax deleted and repute on my credite file 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 Address reporting incorrect I never lived here XXXX XXXX XXXX XXXX XXXX XXXX XXXX NORTH CAROLINA XXXX XXXX XXXX XXXX XXXX NORTH CAROLINA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NORTH CAROLINA XXXX XXXX XXXX   XXXX XXXX XXXX NORTH CAROLINA XXXX
Complaint sub-issue: Account status incorrect

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX Date of inquiry XX/XX/XXXX
Complaint sub-issue: Unable to open an account

Starting off I must say that this is one of the worst and most offensive and ridiculous experiences I've had with a bank! 
A little over a month ago I successfully opened a checking account, which I funded several days later. I also received a XXXX email asking for multiple documents for proof of identity. I sent those documents and the submission was cleared. I later find out that the Citi Bank account had been closed and sent to their fraud department who sent me a letter stating that they didn't want to have a banking relationship with me because they could not verify my information, which is highly suspicious and sounds made up. I had been locked out of my account and needed to talk to a department, which is only open from XXXX to XXXX HST. When I was able to call at these ungodly hours they told me, with some condescension, that the account had been closed prior to receiving the XXXX documents. All of this drug on for over a month. They advised me to reapply for a new checking account since the other account couldn't be opened. A few days ago I completed an entirely new application, which had been cleared and approved with new account numbers. I funded the account the next day. I also opened a savings account, which I was going to link to the checking to clear the service fee with an online bill pay. I tried to login today after seeing an email from XXXX this morning notifying me of a generated account statement, which I thought was odd since I just opened the account, only to find out that the savings account had been closed. I tried to login to checking account and the online banking account was gone along with access to my checking account and my money! 
I am completely blown away at how truly bad this situation is, how much this company has degraded, and at the staggering number of even worse reviews and complaints I read before levying this complaint! 
With that said ... XXXX YOU'RE DONE!! I won't make any further attempts to open any more banking accounts with you and will do my best to NEVER do business with you ever again!! 
The only outstanding issue now is for you to RETURN MY MONEY!! I'm just glad my case doesn't involve anywhere near as much money I read about in many other instances of problems with you in other similar situations!
Complaint sub-issue: Information belongs to someone else

I recently received a copy of my XXXX XXXX, Equifax and XXXX   credit bureau reports and I have confirmed there are multiple credit inquiries that are were in fact NOT authorized by me. I attest and affirm that I did not authorize these inquiries and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I requested all three credit bureaus investigate the inquiries to determine who requested each inquiry. Furthermore, I included a copy of a XXXX XXXX, Maryland Police Report which indicates that my identity has been breached. It is my belief that the persons responsible for applying for credit with my information are responsible for that breach. 

I sent my complaint to all three credit bureaus Certified Mail Return Receipt and did not receive anything from any of the credit bureaus. No responses at all. 

THE FOLLOWING COMPANIES HAVE PLACED INQUIRIES ON MY CREDIT BUREAU REPORT : XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX MAIL ONLY XXXX XXXX  XXXX XXXX XXXX VA XXXX XXXX/XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX Address XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX SD XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DE XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX   XXXX  XXXX XXXX OH XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX THE FOLLOWING COMPANIES DID NOT PROVIDE CONTACT INFORMATION ON MY CREDIT BUREAU REPORTS XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX-XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To Whom this may concern, My name is XXXX XXXX XXXX, I have been a victim of Identity theft. 
I have recently gotten my credit report and have found a number credit card applications and auto loans application that have run my credit and did not have my permission to do so. 
The banks and dates that did not apply a card with is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX  XXXX XXXX Federal credit union XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX. 
Because of the number of times this fraud has tried to run applications under my credit, they have hurt my credit very much. I am asking that these hard inquire be taken off my credit report. I was not me that submitted any application or give permission for my creit to be run by any of these creditors of loan banks. I will ask for a full prosecution when this person if caught. 
I can be reached at XXXX XXXX XXXX or email at XXXX. 

Sincerely, XXXX XXXX
Complaint sub-issue: Account information incorrect

I have filed 4 disputes with credit bureau and filed a complaint with cfpb and no one is correcting I talked to the owner XXXX XXXX and he sent me a letter I submitted and the bureau. I did not miss a payment the account has been paid off in full by me XXXX XXXX,2017 .IF THIS IS NOT CORRECTED IAM SUEING ALL PARTIES EQUIFAX XXXX AND XXXX XXXX XXXX correct this now on my report i have submitted proof it has been paid this is ridiculous and fraudelant to have paid and report that I missed XX/XX/XXXXpayment .IT WAS PAID XXXX 9,2017 check the records
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These 6 inquiries on my equifax report was removed then reinsterted back without giving me a 5 day notice which is a violation I have reached out to Equifax several times, issue still unresolved.
Complaint sub-issue: Their investigation did not fix an error on your report

I purchased a certified pre-owned XXXX and financed it through XXXX XXXX, which is an affiliate of XXXX XXXX XXXX. The car was sold to be fraudulently and XXXX agreed to purchase the vehicle back in XXXX of 2021. Legal notarized agreements were signed between myself and XXXX. 

Despite this, XXXX XXXX and XXXX XXXX XXXX have submitted a delinquency report to the credit bureaus and refused to rectify the situation.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 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 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 fumish a account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.