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

Dear Sir/Madam. 

On XX/XX/2020 I applied to Citi Bank for a Citi XXXX XXXX Mastercard account, I was denied. The same day they emailed me a letter for the reason, most notably to me was the information was wrong. Their practices are misleading and deceptive, it is obvious in the letter they sent and what XXXX   shows. 

First they said my credit score is XXXX with XXXX and that is not the case at the time of Citi hard credit pull it was XXXX, it is now XXXX because of their pull. 

Citi says I have too many credit inquiries, I have on record two with XXXX one is two years old and the other one is theirs. 

These are totally inaccurate almost if not discriminatory in nature, I checked my credit report immediately upon receiving the citi email XX/XX/2020 I checked my credit score with XXXX and their score for me based on the same date XX/XX/2020 was XXXX as you can see the file I have attached. 

Had Citi informed me that they use old credit agencies reports I may have done things differently thus would not have a hard pull on my file. 

The phone number they gave in the letter to me is only an automated system noway to address any question to a person as stated in the letter.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX I never open account with them
Complaint sub-issue: Information belongs to someone else

XXXX XXXX account reporting in error. Balance and account status incorrect
Complaint sub-issue: Their investigation did not fix an error on your report

Consumer Financial Protection Agency : On XX/XX/XXXX, I discovered a discrepancy on my Equifax and XXXX  credit reports that indicated several delinquent activities during XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This was associated with a XXXX XXXX  ( Card Number XXXX ) account that I was listed as an authorized user on. I never consented to or authorized myself to be listed as a user, nor did I utilize this individual account during this time. The account was opened in XX/XX/XXXX ( when I would have been three years old ) by my parents, XXXX and XXXX XXXX. At some point, they added me as an authorized user without my consent or approval. I have had similar experiences in the past where I was able to dispute such items and have them removed from my credit report. I can assure that XXXX does not have my signature on record indicating my consent. 

On XX/XX/XXXX, I filed a dispute with both EquiFax, XXXX  and XXXX. On XX/XX/XXXX, XXXX informed me via letter that they are unable to update the credit report as an " authorized user must be removed from the account first ''. They then directed me to contact the Customer Service phone number on the back of the card ; however, the card or account has since been closed as of XXXX. 

On XX/XX/XXXX, I received notice from EquiFax that they conducted an investigation and deemed that these items belong to me. Again, I dispute this as I never provided approval, nor was ever asked, to be added as a user on this account. How can they deem that I should be responsible for these delinquent activities when they can not furnish the proof that I authorized to be on the account in the first place? 

I request that this be investigated so that the XXXX XXXX  ( XXXX ) account is removed entirely from my credit report or that these delinquent activities are removed. 

I appreciate your consideration of my request. 

Sincerely, XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

After over 4 hours of phone conversations on 4 separate times about page 8 of my hard copy of my credit report. PDF versions do NOT show soft inquiries. 
1. Being told - can't file a dispute on soft pulls. 
2. Told the nasty comment on the soft pull has been changed to Account Review Inquiry. 
3. Told me there is nothing I can do to fix this nasty comment on my soft inquiry credit report. 

Original line reads " XXXX XXXX LA XXXX XXXXXXXX XXXX XXXX  XXXX XXXX TX XXXX. 
The credit union above did an investigation with my phone call and said they did NOT do an inquiry to Equifax. They called Equifax and ask them to remove it. Equifax refused. 
Someone is using their name, XXXX, to try to obtain my credit file information. I have had a freeze on my Equifax Credit Report since the XXXX Breach. This doesn't stop soft inquiries. 

This is fraud! Equifax will NOT cooperate with me or the XXXX XXXX to do further research. 
Equifax did agree to change " LOSS MITIGATION '' to " ACCOUNT REVIEW INQUIRY '' What gives Equifax the right to change it to a less nasty comment on a fraudulent soft inquiry? Who is using XXXX 's name to get my file? Why does Equifax cooperate with illegal operations or a breach? 

I can NOT file a dispute with this type of fraud entry - why? Told over and over again, no disputes on soft inquires. There is no mention of XXXX anywhere else in my credit report. There is no other negatives on my report also. I have lived overseas for the last 15 years and have no need of credit from XXXX. 

What give Equifax the right to change it and why are they not required to investigate it? Does FCRA Sec. 1692 parts D and E demand investigation? Removal if fraud? Contact law enforcement for illegal breach of my credit file. 
I contacted two mortgage lenders who told me this entry has to be removed to process a mortgage application. Equifax is breaking the law, by not removing a entry on my hard copy mailed to me and not investigating it. The credit union also told me- Equifax would NOT cooperate with this type of soft inquiry entry to be removed. 

Equifax is clearly helping fraud and doing almost nothing about it.
Complaint sub-issue: Didn't receive notice of right to dispute

IC Systems reported a {$350.00} collection account on my credit report. Prior to the appearance of this account, I did not receive a notice of my right to dispute.
Complaint sub-issue: Their investigation did not fix an error on your report

I opened a XXXX XXXX XXXX card by recommendation from credit building program called XXXX XXXX in XX/XX/XXXX. Shortly after opening the account I was hit with charges without using the card and without getting statement. I notified XXXX XXXX by phone to find out what happen. They explained when I open a card there is an annual fee upfront. So I paid it. However they reported me late on XX/XX/XXXX and this was a major hit on my credit that I have been rebuilding for 5 years. Then later in XX/XX/XXXX- {$49.00} was charged to my account again from XXXX . Again no statements and no notice XXXX XXXX kept charging late fees and I found this out when I pulled my credit in XX/XX/XXXX. Also to my surprise and Shock I had 3 derogatory late pymts from XXXX XXXX. I contacted XXXX XXXX in XX/XX/XXXX they demanded {$120.00} to discuss my account and enable me to put in a dispute. This was a clear evidence of Identity theft and fraud. I did not use this card. However I paid XXXX XXXX again {$120.00} to stop the bleeding of reporting more derogatory reports on my credit. Shortly after on XX/XX/XXXX XXXX XXXX finally responded to my dispute and AGREED I was not responsible for the identity fraud charges and all subsequent charges thereafter. I recontacted XXXX XXXX to inform them to please remove all these degratory actions dating all the way back to beginning XX/XX/XXXX. They agreed and also agreed to reimburse me the {$120.00} I paid them in XX/XX/XXXX. Unfortunately I did not get the next correspondancce until XX/XX/XXXX- again from XXXX XXXX supporting they reviewed my account and I WAS NOT RESPONSIBLE and they will report to all 3 credit agencies to remove my negative reports from XXXX XXXX. BUT I had to wait 60 more days. Unfortunately XXXX XXXX removed several negative reports but DID NOT remove the negative report from XX/XX/XXXX. and my credit continues to suffer almost 2 years later. I have been turned down for several car loans, house financing and much more. 












{$0.00} XX/XX/XXXX
Complaint sub-issue: Problem with personal statement of dispute

I had deferred my loan several times between XXXX/Nelnet. The loan was sold back and forth between both sister companies. I became XXXX XXXX through the veteran affairs and applied to have my loan XXXX under that program. 

The collections was removed from the three credit bureaus but has been added back to as delinquent and past 120 days, which is hurting my credit score as a XXXX XXXX veteran. 

This has caused a great hardship and has made it impossible to obtain a home loan using my VA benefits. 

As a service connected XXXX  veteran I have been unable to obtain gainful meaningful employment.
Complaint sub-issue: Card opened as result of identity theft or fraud

Someone applied for a credit card with Shell/CBNA in my name. I have tried to contact the company and no department will help me. I did not apply for any card with them.
Complaint sub-issue: Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX Accounts : XXXX XXXX Account number:XXXX XXXX XXXX account number:XXXX, XXXX XXXX account number:XXXX , XXXX Account number : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Complaint sub-issue: Debt is not yours

I have had this account removed over 3 times within the last year. XXXX keeps selling this account to different collection agencies. Once one remove it they sell it to another company. This is not my bill and I will not be paying it. I know its against the law to keep putting this on my reports then changing the dates that this account was open. They are reporting that this account was opened XX/XX/2018 and never paid. I have has XXXX XXXX for years and it can be proved.
Complaint sub-issue: Account information incorrect

I reviewed my Consumer Reports and noticed that I had 2 late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXXXXXX Account # xxxxxxxxxxxx  XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Complaint sub-issue: Investigation took more than 30 days

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

I XXXX XXXX XXXX DISPUTED : XXXX. XXXX XXXX XXXX XXXX  ON XX/XX/2022 I SENT EQUIFAX A CERTIFIED LETTER REQUESTING THE Method Of Verification Using FCRA 611. I RECEIVED XXXX LETTERS DATED XXXX XXXX, NONE OF THE LETTERS CONTAINING THE INFORMATION REQUESTED. 


EQUIFAX HAS YET TO RESPOND WITH ANY OF THE INFORMATION I REQUESTED. 

AND THE XXXX DAYS THEY HAD TO RESPOND HAS EXPIRED EQUIFAX IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. BY FAILING TO PROVIDE ME WITH THEIR METHOD OF VERIFICATION. THEY ARE ALSO IN VIOLATION OF SEVERAL OTHER LAWS LISTED BELOW : 15 U.S.C 1681 a.1.a 15 U.S.C 1681 ( a ) ( 4 ) MY RIGHTS TO PRIVACY 15 U.S.C 1681 ( b ) DID NOT USE MANNER WHICH IS FAIR AND EQUITABLE TO I THE CONSUMER IN REPORTING NEGATIVE ALLEGATIONS WITHOUT WRITTEN PERMISSION. 

15 U.S.C 1681b ( a ) ( 2 ) NEED WRITTEN PERMISSION 15 U.S.C 1681 ( n ) - Civil liability for willful noncompliance. 


SECTION 609 OF THE FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] THEY WERE ALSO GIVEN 15 DAYS TO RESPOND. The FCRA says that you have to tell me this in 15 days if I ask.
Complaint sub-issue: Didn't receive terms that were advertised

I opened an account with KeyBank on XX/XX/2017. It came with {$300.00} in bonus for making {$1000.00} in direct deposits and five billpay or debit transactions in the first 60 days. I made {$1000.00} in direct deposits, but now they are claiming that it had to be in a single transaction. That would be very misleading, since that has never been how any bank bonus has worked in my experience. So they are basically telling me if I made a million direct deposits in the first 60 days of {$990.00} I wouldn't get their checking bonus. That is very deceptive wording and very misleading to customers who expect deposit amounts to be cumulative and not transaction based. I contacted KeyBank Corporate and they said I had to contact the branch and when I contacted the branch they said I had to talk to corporate so I got nowhere.
Complaint sub-issue: Account status incorrect

There are 3 accounts reporting on my credit profile that I have never opened not provided my permission to obtain these accounts
Complaint sub-issue: Investigation took more than 30 days

Whom it may concern : I have submitted three ( 3 ) separate qualified written investigation requests ( months XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX ) to Equifax. I have request that, as required under FCRA section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), provide copies of any original documentation be provided as verification. Equifax has failed to provide the method of verification as required under Section 611 ( a ). 

Equifax has not only failed to provide verification ( written documentation of proof of contractual obligation, they have also refused to investigate all of the tradelines or credit reporting to my credit that was listed on my investigation request, often completely ignoring my XX/XX/XXXX written investigation request and investigation tradelines that I never requested. Equifax updated some of my request for investigation as verified but refuses to provide documents on how it was verified although I have requested in my written investigation request numerous accounts. I have attached proof of my investigation sent along with my certified mailing receipts.
Complaint sub-issue: Didn't receive enough information to verify debt

My interest only payment plan ended without my knowledge, and my payments skyrocketed to an enormous amount. I only make so much money, and this is getting ridiculous. The employee I spoke to also took issue with me taking his information to apply to this complaint, which means they do not know how to handle criticism either. 
Name : XXXX XXXX number : XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

CHECKR IS IN VIOLATION OF THE FAIR CREDIT REPORTING ACT WHICH STATES Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. ATTACHED IS A COPY OF THE FAIR CREDIT REPORTING ACT. NEVADA REVISED STATUTE 598C.150 states : NRS598C.150Purging of information from files of reporting agency ; disclosure of purged information.A reporting agency shall periodically purge from its files and after purging shall not disclose : 1.Except as otherwise provided in NRS 463.334, bankruptcies whose dates of adjudication precede the report by more than 10 years. 2.Except as otherwise provided by a specific statute, including, without limitation, NRS 463.334 , any other civil judgment, a report of criminal proceedings, or other adverse information, excluding a record of a conviction of a crime, which precedes the report by more than 7 years.

CHECKR has previously conducted background screenings for other employers and has submitted CLEARED results that didn't suggest careful consideration be taken. ATTACHED ARE ALL DOCUMENTS SUPPORTING MY CLAIM/DEMAND THAT CHECKR REMOVE THE NEGATIVE ITEM FROM 2004 AND SUBMIT THE SAME INFORMATION TO XXXX AS THEY DID TO XXXX AND XXXX.
Complaint sub-issue: Account information incorrect

the problem is specifically with Equifax a reported account with a balance of {$10.00}, XXXX of XXXX that account was disputed at the time and does not belong to us.
Complaint sub-issue: Public record information inaccurate

I reached out to the credit bureau and they said it came from XXXX XXXX and then XXXX XXXX said that they don't have any record of the bko in their system
Complaint sub-issue: Information belongs to someone else

im very upset these people keepsaying I owe them a XXXX and a XXXX XXXX XXXX. I had neither on eplease remove this information from my report. Im really stressed out over these. I dont understand why. I have a languauge barrier I speak french but my writing is better than my speaking. The car and credit card telss me well its your credit bureau who reports. I need help deleting this I feel bcause I speak another language im being discriminated. Can this happen here? Pleasehelp its not mines
Complaint sub-issue: Can't decrease my monthly payments

I borrowed a little over {$25000.00} in student loans about 20 years ago. I was in deferment until last year. I understood that the interest was going to continue to accumulate during the deferment. My interest rate is 8.25 % and over 20 years that calculates out to {$52000.00}. The Department of Education is telling me that I owe {$110000.00}!!!! They are trying to collect {$93000.00} in interest alone! How can a single mother of XXXX survive when the government is trying to squeeze out my very last dollar so they can pay off their own debt?!
Complaint sub-issue: Their investigation did not fix an error on your report

on XX/XX/2021 I Request in writing by a Certified mail domestic return receipt validations of debt letter not a request for verification or proof of my mailing address, but a request for validation from Jefferson Capital System to provide me with competent evidence that I have any legal obligation to pay you Jefferson Capital System they sent back a bill I sent another letter on XX/XX/2021 requested Declaration of some type of proof. if your office fails to respond to this validation request and don't send all pages of how you Jefferson Capital System validation the debt, show me the Original Contract that I signed any thing other then a paper bill, payment history, interest rate, payoff disclosure, amount paid since the debt was purchased within 30 days from The date of your receipt Jefferson Capital System sent a letter confirm that they closed their file and terminated collection action but they did not deleted nor remove it how I read it as they will sell the debt knowing its not a validation debt According to the fair credit reporting Act Section 609 ( a ) ( 1 ) ( A ) you are required by a FEDERAL law to verify through the physical verification of the original signed consumer contract any and all account you post on a credit report otherwise, anyone could fraudulent a account
Complaint sub-issue: Account information incorrect

Account information was found to be invalid. Account was removed years ago after validation then reappeared XX/XX/XXXX. I have not had a XXXX  account since XX/XX/XXXX. Debt does not belong to me.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

In XX/XX/XXXX, I decided to return to school after having my first child in XX/XX/XXXX. I finished the program with a XXXX GPA and was ready to get to work. The whole premise of the XXXX XXXX was that they promised employment upon completing the program. After graduating in XX/XX/XXXX it took over and a year and a half to find employment. This caused a negative stress on my finances and shortly after I found out I wasn't alone. In the summer of XX/XX/XXXX The XXXX XXXX was investigated for fraudulent behavior and was forced to file chapter XXXX bankruptcy because of exact cases like mine. It has been a 6 years since this has taken place and at this point I'm trying to do the best to move on. 

The accounts are have recently closed but still negatively impacting my credit score. I'd like to request that the following closed accounts be removed : US Dept of Education- opened XX/XX/XXXX - closed XX/XX/XXXX Dept of Ed/ Nelnet- opened XX/XX/XXXX- closed XX/XX/XXXX XX/XX/XXXX