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

I applied for a Citibank Best Buy no annual fee store card. I was denied the card due to " Insufficient Credit Experience '' but they still offered me a different card with a {$59.00} fee. My credit is impeccable with a XXXX Fico score on my Citibank web site and I have over 40 years of excellent credit history and I hold most major credit cards including a Citibank card with a {$19000.00} limit, XXXX, XXXX XXXX also. This seems to me to be a case of bait and switch trying to upsell me to a card with a fee. The free card had a offer for a 10 % discount on my first major Best Buy purchase. I made such a purchase for a total of {$3300.00}.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax continues to report a bankruptcy that has not been properly verified on my report. I have continually asked for this item and the accounts attached to it to be investigated.They continue to respond with the words it is verified without providing any proof that they verified the items.They are in violation of the FCRA.
Complaint sub-issue: Their investigation did not fix an error on your report

Dear Credit Bureau : XXXX  I hope your day is going well, I need your help. I pulled a copy of my credit report and noticed a fraudulent accounts. I am a victim of identity theft, and did not make the charge [ s ] .This incorrect information on my credit report is causing problems when I try to apply for credit. I did some research on how you handle consumer disputes. I believe you use a system called E-Oscar to handle investigations. Please do not rely or do the investigate using this system because its not 100 % accurate. I really need your help because at this point I dont know where to turn. Please investigate this matter, and get back with me when you are finished. I am writing to dispute the following information on my file. Please update, modify or remove any account that is not reporting with 100 % accuracy.Dear Credit Bureau : XXXX  I will be passing this updated response letter over to my attorney for review since I dont know a lot about trying to remove or fix inaccurate information.I noticed that you verified that the items listed in the bankruptcy were correct. My attorney told me to ask you the following questions. ( 1 ). How did you verify these inaccurate accounts? ( 2 ). Did you talk to the court and if you did who did you talk with at the company. ( 3 ). Can you provide me with the contact number and name of the person you talked to? I demand the following accounts be corrected or removed immediately. I noticed problems with the following accounts are fraudulent : XXXX  XXXX  XXXX  / Original creditor : XXXX Opened XX/XX/2019 Balance : {$1700.00} XXXX  - XXXX  XXXX Last reported XX/XX/2019 Reported balance : {$35000.00} XXXX XXXX XXXX Last reported : XX/XX/2019 Reported balance : {$3100.00} XXXX XXXX XXXX Last reported : XX/XX/2019 Reported balance : {$370.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX XXXXXXXX ). 
( XXXX XXXXXXXX XXXX XXXX XXXX ). 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Complaint sub-issue: Account information incorrect

An Attempt to secure a loan through XXXX was negative- declined due to they could not identify me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was under the impression no credit check would be done but subsequently found out they used a company called Clarity [ " Clarity Services, Inc. is a credit reporting agency that provides information to our customers, who in turn decide whether or not to offer  credit or services to consumers. If your application has been denied by a subscriber of our services, their decision may have been based on the information provided to them by us. '' ] Clarity partners with XXXX whom I have a umber of complaints open with! I felt this was a sham. Attempts to contact XXXX proved long wait time and not return calls! They are a partner with XXXX and should have had access to any and all information concerning me. XXXX XXXXXXXX was aware I had a security freeze but as stated " NO '' credit would be pulled. '' Then why this?
Complaint sub-issue: You told them to stop contacting you, but they keep trying

i told them many times to stop calling they stop and now are are robocalling me
Complaint sub-issue: Attempted to collect wrong amount

Over the past 14 months I've disputed a incorrect amount of a collection, via credit bureaus all of which results cone back " vaild debt or amount ''. Today with acknowledgment, I recorded the calls w/ LJ Ross collection agency , after XXXX and XXXX both supervisors told me that if I was disputed the amout of debt, the information would need to be confirmed through original creditor. XXXX, when asked how were LJ Ross to render a decision to credit bureaus over the past 13 months, WITHOUT verifying data..no answer was given. Upon calling XXXX  and speaking w/XXXX  he informed me that XXXX  no longer report to credit bureaus effective 2018, futhermore my account is listed as CLOSED, all and any information MUST come from LJ Ross. If LJ Ross is telling you they must call us to get information regarding your account to send you is INCORRECT ... XXXX went on to read XXXX  protocol in how they do not handle, deal or report to credit bureaus and went on to read that all consumers are referred back to the collection agency. When called back to inform XXXX another supervisor about information I just received, he asked that's not true ... and asked " so how much do you think you owe ''?, " we just need to get you a summary of your accont '',. When pushed him as to how this information was NOT already available, considering I made ANOTHER request XX/XX/XXXX, XXXX became defensive stating, I was being threatening '' ... .I called back to XXXX  to express my findings, and they opened another dispute and recommended that I file a complaint with CFPB, due to all the inconsistency.
Complaint sub-issue: Problem during payment process

I made my minimum payment for this past month online. However, I was not only charged for the minimum payment once but twice. The second time it was cut as a check. I never authorized Discover to charge me twice or made any such arrangement. A Discover customer service representative agreed with me but I lost not only {$36.00} for the payment but I lost an additional {$37.00} because of an overdraft fee that was as a result of what Discover did. I have a phone recording of the Discover customer service representative agreeing that I never authorized the second payment, which she  agreed to be be recorded.
Complaint sub-issue: Account information incorrect

My account is in good standing. However, there are two late payments noted on my account : XX/XX/XXXX and XX/XX/XXXX. After these incidents in XXXX and XXXX, I spoke to XXXX XXXX directly about legitimate reasons for why they should remove the late fees. Such late fees were removed at that time and the merchant also agreed to correct the remarks on my credit report. Such negative remarks have remained despite my best effort to request they be corrected/removed.
Complaint sub-issue: Information belongs to someone else

I got these accounts that does not belong to me and i want to be remoe from my credit report asap. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I guess I must have pretty good credit as I regularly receive offer for a balance transfer at 0 % APR. I received one in todays mail from Citi for a 0 % Promotional APR until XX/XX/2022 with a balance transfer fee of the greater of {$5.00} or 3 % of the amount of the transaction. 

I have 2 problems with this : 1 ) The banks seem to all be operating in lock step with respect to the transaction fee. I was under the impression that something called anti trust should prevent this degree of collusion.

2 ) The bank is clearly giving the impression that for the given period no interest will be charged when the transaction fee is an interest rate. OK, it's not an APR but is this kind of XXXX permitted? In Smiley v Citi when the shoe was on the other foot the bank successfully defended its late fee policy as an interest rate which therefore could not be regulated by the debtor 's home state. 

So I wondering if you people can suggest a remedy or even comment on what appears to be collusion and false advertising.
Complaint sub-issue: Account information incorrect

My name is XXXX XXXX and I have been a customer of XXXX since XXXX! I am sending this letter because when I checked my most recent credit report, I noticed it contains 2 late payments on XXXX and XXXX of XXXX. The late payments were due to my bank account getting hacked and I had to get a new bank account. After receiving my new bank account, I reached out to XXXX via email on XX/XX/XXXX to update my bank and was not contacted back in a timely matter. When I finally received an email, I was locked out of my account and had several issues connecting my new bank. There has been several issues with the app logging you out and not being able to verify your information in order for you to regain access. Due to this mistake with their system. When I was finally contacted by XXXX I did get into the account to update my bank but it was too late. I had already received a late payment on my credit report which is effecting my credit in a negative way. I have perfect payments on all my credit accounts. I attempted to reach out to the company to fix the issue. I even uploaded the screenshot where I asked them to switch my bank and they are not willing to correct my credit report. They advised me that I have not been a customer long enough and Ive had the account over two years. The company has not updated nor reported none of my payments since XXXX of XXXX and its now XXXX. 

Other than this mistake, I have a history of making my payments to XXXX on time. I hope you will consider my request and remove this late payment from my credit report.
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. 

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

i went to the XXXX dealer ship to get a car but they went crazy on checking my credit report all hard inquiries after everything they say no to me 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
Complaint sub-issue: Can't close your account

On XX/XX/2020 I realized I had not received nor paid a credit card invoice for the previous month. I contacted XXXX XXXX XXXX   which has the XXXX Mastercard I've had for 30 years. Explained that I had not received any invoice by mail as normal but that I had managed to go online and download the invoice and was sending payment that day. This has happened maybe 2 or 3 other times over the THIRTY YEARS I've had this account. They thanked me for calling in. The next day I went to get gas and my card was declined. So I came home and called XXXX XXXX XXXX again. This would be on XX/XX/2020. I was told that the card was automatically cut off because I had not paid the previous month 's bill. Needless to say that as a 30 year customer with a credit score of right at XXXX who has faithfully paid my balance in full month after month for 30 years, I was a bit unhappy. I instructed them to close the account immediately. The lady wanted to read me a long disclaimer. I declined and told her that I wasn't interested in their disclaimer. I simply wanted my account closed and hung up. 

Today I went online and noticed that XXXX XXXX XXXX was still allowing merchants with my card on file to run recurring charges through on my account. One or two had not been contacted by me. All the others had been and provided the new card information. 

So I called XXXX back and again instructed them to close the account today, XX/XX/2020. I first spoke to XXXX who provided me a reference number for my call of XXXX. When I asked why my account hadn't been closed before she put me on hold and a supervisor named XXXX came on the line. She said they would not close my account until I listened to their disclaimers. She said I was required to do so by law. I told her I seriously doubted the law required ME to listen to their disclaimers. If the law did require anything, it required them to deliver the disclaimers. XXXX then asked me if I had my credit card agreement. I don't normally keep them as they change them at will and it isn't like it is a negotiation, is it? It is totally one-sided to protect them. She said she would have one mailed to me. I asked it that contained the required disclaimer I was requesting in writing. She danced around the issue and would never answer whether it had the disclaimer or not. She said once I got the card agreement I could read it and call back in to have my account closed. I told her I would not do that. I had called twice to request the account be closed.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Complaint sub-issue: Debt was paid

IC Systems Collections claims i owe them {$2000.00} for a closed sprint account. It was placed for collections on XXXX I have not knowledge of this collection. I had and paid a XXXX  cell phone bill back in XXXX. I have not used or had XXXX  services since XXXX. I've asked for a detailed bill, but I haven't see one. I've attempted to dispute this with IC Systems Collections on several occasions, but no one from the company can produced the original documents.
Complaint sub-issue: Account information incorrect

I am having issues with missing information on my credit report. I have a XXXX XXXX account # XXXX EXP XX/XX/22 that should be reporting for {$4500.00}. My name and address is XXXX XXXX, XXXXXX/XX/XXXX XXXX FL XXXX. 
SS XXXX, DOB XXXX. My account is not show on m credit report and it should be.
Complaint sub-issue: Threatened or suggested your credit would be damaged

Mechanics Bank is where the VA has placed disibility compensation due to congress granting VA the authority to appoint a fiduciary for a VA beneficiary who is rated unable to control or manage his or own affairs or under a legal XXXX and incapable of managing VA benefits in an appropriate manner. In some instances, the appointment of a fiduciary may necessitate the allowance of a fee from the benefits payable to me as payment for the fiduciary services provided. 

The XXXX has been requested to be removed due to incompetence of managing comepensation through the VA to contest their orginal decision, which by the way was denied according to the decision letter that was mailed to my residence. Also the VA failed to acknowledge the medical providers note to remove the fiduciary and overwhelming evidence displaying incompetence by the assigned fiduciary. Recent events really conveyed a clear message to dismantle credit and other finances. This is now viewed as a serious XXXX attack by both XXXX XXXX XXXX and Mechanics Bank. 

Mechanics Bank was alos provided an in depth report regarding credit card payments that were reversed due to false reporting by XXXX XXXX XXXX Payments are typically mailed to the credit card companies, I elected to have the payments processesd electronically due to the fact that mailing was causing delays in payments. Using the routing and account number. Fraud was mis-used by XXXX XXXX XXXX, in which the bank was also warned a head of time to prevent XXXX XXXX XXXX XXXX XXXX XXXX from reporting electronic transactions by me as if they were fraudulent. The bank ignored the warning which was made by telephone. 

I provided the report in the branch managers hands, she handed it back to me and stated that I made deposits into interest savings account. She named them as well. Why this was more important to her than the reversed credit card payments is most likely another example of mis-use of authority and plotting or conspiring with indivduals with mutual interests. This is a an act of terror. The manager and staff as well XXXX XXXX XXXX, is mentally incompetent to be employed in the industry of finance.
Complaint sub-issue: Reporting company used your report improperly

Im accordance with the Fair Credit Reporting act XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX  # XXXX has violated my rights 15 USC 1681 Section 602 A States I have a right of privacy.

15 USC 1681 604A section 2 it also states a consumer reporting Agency can not furnish a account without my written instructions
Complaint sub-issue: Was not notified of investigation status or results

I am a victim of identity theft. I had filed complaints to the three bureaus ( XXXX, XXXX and Equifax ) on XX/XX/2022. The bureaus received the complaints but have not taken off the Unverified information from my report. 
I have also filed an Identity theft with FTC with the reference number XXXX. The Bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that they verified that these items are being reported correctly without indicating who verified the accounts. I would like to know who verified these accounts. 
The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.
Complaint sub-issue: Attempted to collect wrong amount

In XXXX, I fell behind on my payments due to a sick parent that I was taking care of. As I was getting back on my financial feet in XXXX, the global pandemic hit. In late XX/XX/XXXX, I received an envelope from Department Stores National Bank ( " DSNB '' ) which contained an IRS Tax Form 1099-C : Cancellation of Debt. The document was dated XX/XX/XXXX and the amount discharged was {$1900.00} ( document is attached ). I was surprised by this document so I contacted the company and I was informed that the debt was discharged but did I want to pay the debt off. I asked how does that work since now I am obligated to report the sum above to the IRS? Isn't it like I am being penalized twice? I was told that I could pay the debt and then make an amendment on a filed IRS XXXX. Recovering from the pandemic, that seemed a bit lengthy since I was also worried about how these matters would affect my credit score. So I declined to continue the conversation so I could study the financial consequences of the situation. I noticed on my XXXX  that XXXX states I owe " DSNB '' {$2100.00}, so I reached out to Transunion for a clarification. 

On XX/XX/XXXX, I received notice from XXXX that my credit score with XXXX  fell by XXXX points due to a report from Macy 's ( also attached to this email ). Today, XX/XX/XXXX, I received a notice from XXXX that my credit score with XXXX  has dropped XXXX points. At this rate, I am expecting the same outcome at XXXX. 

This seems like a highly punitive action in a time when most Americans are getting back on their feet. My understanding is that Macy 's currently has the benefit of written-off debt, I have to pay tax on the debt as income and my credit score still got penalized. I just want to understand the whole situation so I can best address it. Can I understand if this is standard financial services practice and how best I can resolve this matter since Macy 's already filed the 1099-C for XXXX? Thank you for any help and assistance. Greatly appreciated.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX, Equifax and XXXX  are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.
Complaint sub-issue: Public record information inaccurate

Pursuant to new CRA guidelines public records in the form of tax liens should possess the following information DOB and/or SSN. This information is not being accurately reported on my credit report and is therefore out of compliance. I would like for this tax lien dated  XXXX  2016  to be deleted from my file.