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

I have tried to apply to different credit cards but they just get declined right away. But the problem it's not that they are declined, it's that they don't even verify if qualify or not. I don't even see on my credit report that I ever applied for a card. 

I already contacted XXXX XXXX and XXXX but they were unable to help. I don't even know what the problem.
Complaint sub-issue: Account terms

I have an UNKNOWN medical collection on my EQUIFAX report. XXXX and XXXX investigated PROPERLY when I disputed and Equifax did not and DELETED the account right away. The account is the only collection on my report, it is from XXXX. I expect this to be properly reinvestigated or I will have no choice but to move forward with legal action with the Illinois attorney general. 

I also sent you a letter stating my issue, with details, which arrived to you YESTERDAY. 

COLLECTION ACCOUNT NUMBER : XXXXMy name is XXXX XXXXAddress XXXX XXXX XXXX, XXXX, il, XXXXI also sent copies of my ssn card and driver 's license last week in the mail to you.
Complaint sub-issue: Investigation took more than 30 days

I filed an investigation request with Equifax via mail back in XX/XX/XXXX. They were supposed to respond within 30 days. Almost four months have passed, and despite previous complaints, they still have n't responded.
Complaint sub-issue: Confusing or misleading advertising about the credit card

I have opted out of prescreened offers. I still get them 2-3 times a week, there is no way on Citibanks site to stop them.
Complaint sub-issue: Other problem getting your report or credit score

A few weeks ago, I called Equifax because I was getting the attached error message when logging into my account to obtain and dispute my credit report and the representative I talked to could not help me. He said Equifax has duplicate accounts for me and this is causing me to not be able to access my account. Equifax needs to fix this on their end. Me calling in is not going to help. I have called several times and nothing has been resolving towards me accessing my credit report. 

When I login, I get the attached message, the message saying that my account is locked out and to call a 1 800 number. I called that number, the representative reset the password, and I am still not able to access my account. I have tried for several weeks, logging in for several weeks to access my account and I keep getting the attached error message.
Complaint sub-issue: Sent card you never applied for

o On XX/XX/2020, I returned from out of town trip and found a US Bank debit card ( XXXX XXXX XXXX XXXX ) in my name, waiting for me in the mail. I never applied for or requested this card. 
o Called US Bank to inquire about why I had received this. The rep apologized and said she was immediately deactivating the account. She said she would send written confirmation that the account had been closed. Furthermore, she told me they had seen a lot of this and that it was likely I was a victim of identity theft. She advised I file a police report and file a complaint with the FTC. 
o Called the FTC and spoke to a rep who suggested I go on their website to file a complaint and use their online tools to deal with the possible identity theft. I immediately did as she advised. 
o I applied for free credit reports from the three credit agencies. XXXX and XXXX allowed me to complete the process online and provided immediate reports to me. I was not able to do this online with XXXX and had to call to order a report. The reports from XXXX and XXXX showed no unusual or unrecognizable activity. There were no inquiries from US Bank. 
o I sent, via USPS, letters & forms to the three credit agencies requesting that they place a 7-year fraud alert on my account. I sent a copy of the FTC report along with these requests.

o I sent, via USPS, a letter to US Bank, as advised by the FTC online ID theft management tool. I requested they send me written notification that they had erroneously opened an account in my name and that they had closed the account. As of XX/XX/2020, I have not received the requested written documentation from US Bank.
Complaint sub-issue: Debt is not yours

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX I have contacted AutoTrakk in writing and have asked them to validate the alleged debt that they assume that I owe. I have also sent AutoTrakk a cease and desist and told them to cease all forms of communication with me through any and all mediums. Not only has AutoTrakk not responded to my request of them to validate this alleged debt, but they also continued to contact me even after I demanded them to cease all forms of communication with me which is in violation of 15 USC 1692c. ( c ). AutoTrakk is also in violation of 15 USC 1692g because they continued to attempt to collect on this alleged debt after I notified them in writing that I am disputing this alleged debt. Attached you will find their attempt to collect on this alleged debt on, XX/XX/2021. I have also attached a copy of the debt validation/cease and desist that I sent out on XX/XX/2021. I have also attached my return receipt which verified that AutoTrakk has in fact received my letter on XX/XX/2021. AutoTrakk has also continued to violate my rights by reporting this invalidated information to my consumer reports after receiving my letter in writing, which is an act of fraud. Due to the fact that AutoTrakk has completely violated my rights, under the FDCPA and FCRA. I am invoking my specified remedy as a consumer, and the original creditor and I am demanding that AutoTrakk does the following : XXXX out the balance on this account Deletion from all consumer reports Please advise this is NO LONGER a request for validation, being that AutoTrakk has violated my rights and continued to harass me while causing a substantial amount of harm to me as a consumer. This is NO LONGER a request for validation but a request for REMEDIATION. So again, I am invoking my specified remedy as a consumer, and the original creditor and I am demanding that AutoTrakk does the following : XXXX out the balance on this account Deletion from all consumer reports
Complaint sub-issue: Attempted to collect wrong amount

I received a debt collection notice from XXXX XXXX from XXXX florida XXXX hospital. I sent a letter to validate the debt and did not hear back for XXXX I received another notice from global receivable solutions claiming to represent XXXX. Stating I now owed XXXX for the same debt. I sent a debt verification letter ( which I never heard back from ) and I immediately went online and made a payment. ( I have an XXXX credit score and do not want it damaged ) I went in a month later to their web site to make a payment and the balance report was XXXX. on XX/XX/2016 I had a credit alert place on my experian report from global receivable solutions for XXXX dollars. I have received no information as to what is owed nor have they responded to my request for debt validation.
Complaint sub-issue: Confusing or misleading advertising about the credit card

On XX/XX/2019, I received an unsealed pre-selected offer of a PNC cash rewards visa credit card with the customer reservation on it and a deadline of XX/XX/2019. The offer came from PNC Bank, XXXX. XXXX XXXX XXXX, MI XXXX. Do you always send out your mails unsealed? Someone might use the reservation number or any information on the letter Please let me know what steps are taken so any information will not be used by someone else.
Complaint sub-issue: Investigation took more than 30 days

IT'S BEEN MORE THAN 30 DAYS AND STILL NO UPDATE TO MY CREDIT REPORTING. PLEASE SEE THE ATTACHED DOCUMENT ; 2ND TO LAST PARAGRAPH. PLEASE UPDATE ASAP.
Complaint sub-issue: Received bad information about your loan

Citibank misfiled my student loan account for the past 9 years under In School Deferment. This has caused my account to collect interest for 9 years without my knowledge and without Citibank attempting to contact me about a repayment plan. It wasnt until XX/XX/2017 that I was made aware of this situation when I was contacted by XXXX XXXX XXXX. I have since exhausted all of my options in an attempt to rectify the situation and contact someone through Citibank to help me since XXXX XXXX says they cant do anything other than give me account information. I need to be able to speak with someone at Citibank who can help fix my account since it was a mistake on their part having me listed under the wrong status for 9 years. XXXX XXXX had told me that $ XXXX/month payments are all that can be made or else my account will go into default. Seeing as how this is not my fault, and those payments are due to the total amount owed due to 9 years of high accrued interest rates, I need to speak with someone from Citibank as soon as possible. I have been given 6 different phone numbers to call for Citibank and each person just gives me another number to call and says they dont have any information regarding student loans.
Complaint sub-issue: Account status incorrect

Dear Al-Financial Collection Manager : This letter is in response to your credit report entry related to the debt referenced above. 

Please be aware that this is not an acknowledgment or acceptance of the debt, as I have not received any verification of the debt. 

I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. 

I did a pay for delete for the full outstanding amount through XXXX XXXX third party however your debt as AL-Financial still appears on XXXX credit report. I would like to please kindly ask that you fully remove. 


Ive worked very hard to get that amount paid off and be responsible and did so with the intention that it would remove AL-Financial as well but it was not. I have changed my financial circumstances and would ask that you understand to proceed with a goodwill adjustment. At the time of purchasing this vehicle my father took the responsibility to pay for it but he battled XXXX and ending up passing. So as he was sick I was unable to be responsible enough to cover. Please take this as a coachable moment and learning lesson. I am preparing to look into purchasing property and would like to kindly ask this item be removed from my credit report as it was fully paid in a pay for delete arrangement, it was just unclear whether the pay for delete would be with AL-Financial. The collector is now permanently closed so AL-Financial is the only point of contact. Please remove this collection completely from my XXXX. 

As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. 


Sincerely,
Complaint sub-issue: Reporting company used your report improperly

I am XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

EQUIFAX is violating my consumer rights under 15 U.S. Code Chapter 41-CONSUMER CREDIT PROTECTION, SUBCHAPTER IIICREDIT REPORTING AGENCIES. 

I have also submitted an affidavit of fact and a demand of removal from my consumer report. I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. I am holding the consumer reporting agency - EQUIFAX is civilly liable for their gross negligence. Attached are the Demand of Removal Letter and signed affidavit of fact that includes the FCRA violations and resolution.
Complaint sub-issue: Reporting company used your report improperly

They have violated my rights, I have the right to privacy, they can not purchase my accounts without my written instructions. 


{$4600.00} Open balance XXXX XXXX XXXX XXXX  Original creditor XXXX Opened XX/XX/2021 ( 1 yrs, 6 mos ) Account status Open Type -- Responsibility Joint Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXXXXXX {$230.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/2021 ( 1 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Account status incorrect

I have a deferment letter clearly stating that my loans ere in deferment, yet all my credit reports show XX/XX/2018 as late and the deferment letter received shows in Deferment for XX/XX/2018. I have tried disputing, I have tried contacting company, got no assistance.
Complaint sub-issue: Information belongs to someone else

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I am a victim of identity theft and section 605B of the Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until the debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that the falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request for debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency. 

I have attached a Police report, FTC Report, and Affidavit.
Complaint sub-issue: Didn't receive notice of right to dispute

PMAB LLC has reported two medical bills on my credit report. Not only are they erroneous, but also I did not receive a notice of my right to dispute before they were added to my credit profile.
Complaint sub-issue: Problem with fees

DiscoverCard Payment Protection Plan. I was unaware that I was enrolled in this and did not give my consent. I did some research into what the charge was for and found that I had been charged this fee since XXXX. Until I looked into it further I thought it was a regular fee and was not aware that I had to give my permission to be enrolled in the plan. I also saw online that there was a class action lawsuit regarding this problem in XXXX. I am wondering what my rights are as a person who has not had resolution to this yet. I did speak with Discover to cancel the Plan. Thank you.
Complaint sub-issue: Transaction was not authorized

I filed a dispute with Citibank that was supposed to take ten days to issue a provisional credit or supply me with a result. It has been completely mishandled and I can't even get correct information from the dispute team. They provided me with the wrong dispute number and incorrect information to put on my customer statement that I faxed in. Whenever I called to follow up, they stated that it was being worked on and in process. It was not being worked on because the Dispute back office was never received the information as the dispute number was wrong. 

I spoke with a supervisor on XX/XX/2021 who corrected the dispute number and then gave me the email to send over my statement with the information I needed to have on it. He forwarded the complaint about the handling of this issue. He also sent over an emergency expedite request. The original dispute was filed on XX/XX/2021. The correct dispute number is XXXX. 

I called the dispute line today and I am still getting incorrect information.
Complaint sub-issue: Account status incorrect

I dont have any information other then what was listed on my credit. XX/XX/XXXX I received notification of an account with them that has gone to collections despite not have a open mor delinquent account. I called spoke to a supervisor she said she didnt see any account for me despite this being the third time hearing from me calling to report inaccurate reporting, i said well its here and she asked for me to send copies to email XXXX. The credit report showed an collection origination date of XX/XX/XXXX for balance of {$460.00}. I did showing collection activity and account information plus amount. I called to confirm receipt and was told she did and will forward to main office to investigate and correct because there is no account under my ssn. As of XX/XX/XXXX its still there and the store hung up on me stating maam there is no account nor was one sent to collections because theres nothing to send.
Complaint sub-issue: Impersonated attorney, law enforcement, or government official

On or about XXXX XX/XX/XXXX I called jefferson capital at XXXX XXXX XXXX. I was asked for the reference # XXXX. I asked why they had sent me a collection letter plus increased the number of years owed to 14 years. The original debt owed allegedly ended in XXXX but I was told I was sent a reduced amount settlement. There employee stated that I agreed to pay the lesser amount and that I paid {$20.00} towards The debt. They said because of that they increased my payment end date to XXXX. I told them that I never agreed to anything with them and they have committed what I suspect is criminal fraud. I asked there employee that I'm was protesting there claim and I would like all documentation to include the court order. By the way i have never seen a court order saying I owed these people anything. 
Please advise.
Complaint sub-issue: Information belongs to someone else

Hello, so as a result, I do have two inaccurate accounts reporting on my credit profile that has been impacting me tremendously. I have not been able to apply and correctly get approved for new lines of credit because of XXXX XXXX XXXXXXXX, as well as XXXX, XXXX and XXXXXXXX XXXX XXXX XXXXXXXX the account has been reporting inaccurately I have tried resolving those accounts with the companies but they have not responded. I need the information to be removed because I am being denied for accounts and I feel like Im being denied my right for credit. This is a burden to me and I feel like Im being XXXX  XXXX because of it. I have not given
Complaint sub-issue: Information belongs to someone else

To whom this may concern, I have disputed past fraud accounts and have placed alerts on my credit report to refrain from possible identity theft, and still fraud accounts are being falsely reported on my credit report. I have had a hard time proving my innocence in this matter and will not tolerate such a crime. I am growing angry and exhausted with this system that doesn't protect citizens account from such fraud. It should not be this easy for some complete stranger to live and purchase things as me and I get the bill when I have no knowledge as to how to prevent such a crime when I have followed and did what was asked of me by the bureaus. Please, please rid these accounts from my report and place an alert that will notify me directly!
Complaint sub-issue: Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX XXXX .... Balance : {$17000.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I called into the agency to dispute fraudulent inquires on my report. My purse was lost with my information inside and I made a police report and sent it into Equifax along with the other 2 credit agencies. I got a notification from XXXX that my information as listed on the black market this morning XX/XX/XXXX. 

I called equifax and they said they can not dispute the inquires even after me providing my police report. This is against the law. 

I contacted each company, who conducted the inquiry and asked them to remove their credit inquiries from my credit profile. They have no information for me and have no records of these inquiries. 

I have attached my police report as well. Please remove the unauthorized inquires XXXX  XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX Dba XXXX   Inquiry from XX/XX/2018 All Banks XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Credit Unions XXXX XXXX XXXX
Complaint sub-issue: Information is not mine

Equifax credit reporting agency for years has ignored repeated attempts by me and the state of louisiana department of revenue to remove the following state tax lien which clearly does not belong to me ref # XXXX which the state of louisiana as stated multiple times it does not belong to me and it is up to the XXXX credit reporting agencies to remove this otem immediately also XXXX unauthorized inquiries which should be removed as well as an account with XXXX account number XXXX phone # XXXX which this company has also asked XXXX reporting agencies to remove. This is not fair to me and i want them to correct this immediately.
Complaint sub-issue: Debt was paid

I was told by the hospital that this debt was covered under the indigent/charity program since I did not have insurance. You need to discuss this with the hospital as they have informed me I have a {$0.00} balance.
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax, XXXX  and XXXX  have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report