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

ON XXXX An Account was opened with Discover card Services. I applied for credit at the Time in Which my account was Approved and Opened With. Credit a Limit Of XXXX On XXXX XXXX I received a call from the verifications department to sign a XXXX   verification form which I signed the verification was spent back from the IRS for inaccurate information because the application did not list the Apartments number and previous address information. A second  verification letter was sent out on XX/XX/XXXX by a representative XXXX and he made a mistake or error because he failed to indicate the proper information such as address and apartments number so that it can be verified with what is listed with the IRS. On XX/XX/XXXX I was informed the account was going to be closed without reason. I feel verification failed to enter information on my behalf. Verification failed to enter apartment number on XXXX correspondence which caused the account verification to failed the second attempt. Im requesting CORPORATE COMPLAINTS TO LOOK INTO THIS MATTER and respond back with proper reasons to why my account is closed and provide documentation to their decision with accurate information for a closed account.. The information that was submitted to XXXX for the IRS verification was not correct correspondence. At the time of my credit pull I was approved and deemed Eligible. At this time Im asking the department to look into this matter and correct the matter and Mistake on Discover Verifications department. I can be  reached at XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have problem with my credit score with Equifax and XXXX. First of all, on XX/XX/2021 I checked my credit with XXXX XXXX website that provide vantage score result, my score dropped 62 points. When I look on what's change in the credit report, it's no major reason that will make my score drop like that. Then, on XX/XX/XXXX, my credit score in XXXX was dropped 74 points with no any major reason. I tried to figure it out about that and I remember that I tried to dispute some errors in my credit report with Equifax and XXXX earlier before my score drop. Both companies finished the dispute and update on my credit report that every errors were corrected and no change anything in my report and then a week or so, they decide to drop my credit score by no any explanation at all. I tried to dispute about this issue with them, but they don't have any options that I can submit this dispute or errors.
Complaint sub-issue: Their investigation did not fix an error on your report

on 3 different occasion i have sent depute letters to XXXX, XXXX and Equifax about 2 collection accounts on my credit report and ask that an invention be done According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ). the first letter was sent on XX/XX/2020 .and it came back as validated and verified, so i sent a second letter on XX/XX/2020 asking for proof of the investigation and a copy of the original creditors documentation on file to verify that this information is mine and is correct. And there response was to up date my credit report with validated and verified with no feather information on there investigation or how it was performed. My credit report shows that the investigation was opend and closed, so i'm sending a third letter asking that these 2 accounts be removed off of my report pursuant to Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) .of the FCRA.i am filing a complaint with  you and asking that an investigation be done on my behave to have these accounts removed for they are hurting my credit score and preventing me from obtaining funding that i need to fund my business.
Complaint sub-issue: Information belongs to someone else

Equifax has failed to handle my credit file in a respectable proper manner. Equifax has assigned my file to a representative who doesn't return calls or service my file. I've left several messages and have yet to get one single returned call. On top of the mishandling of my file Equifax has failed to address the issues relating to fraudulent accounts listed in my credit report. I have provided Equifax with Police Reports and Fraud affidavits to help address the fraud accounts but has failed on deaf ears. Equifax doesn't do a thorough investigation to prove the validity of my claims nor does it make the furnisher provide sufficient proof especially relating to the ID Theft. If they fail to address my claims, I will have no choice but to seek relief from Equifax in Federal Court and sue for damages due to the amount of damage their inaccurate reporting is causing me and my family. Equifax has failed to remove the following fraudulent information from my file : 1. XXXX XXXX XXXX XXXX 2. XXXX   Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX 3.XXXX XXXX XX/XX/XXXX , XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX
Complaint sub-issue: Account information incorrect

In XX/XX/XXXX, XXXX XXXX XXXX, Card number XXXX XXXX XXXX XXXX, wrongfully marked a payment as 30 days late. When I dispute the for the record to be corrected, they continuously switch the month disputed between XX/XX/XXXX and XX/XX/XXXX. This makes the claim new over and over again and has been going on for over 7 months.
Complaint sub-issue: Their investigation did not fix an error on your report

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 however, 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 unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX : {$260000.00}
Complaint sub-issue: Information belongs to someone else

Hello, I am XXXX XXXX XXXX and I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.
Complaint sub-issue: Information belongs to someone else

not mine ; FCRA : XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Complaint sub-issue: Problem getting your free annual credit report

I have been unable to get my weekly free credit report online as afforded to me by law. I've asked Equifax to fix this and nothing has been done about it. I am requesting that they fix this and allow me to access my free credit report online- NOT through the mail. I do not know what the problem is. I am including verification of my identity which I've provided to them multiple times. 

Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

I've been disputing 3 fraudulent inquiries on my Equifax credit report since XX/XX/2021 and one of the 3 inquiries remain ; the one from XXXX XXXX. I received a confirmation letter from Equifax stating that the 3 inquiries were deleted, however, one remains and Equifax refuses to remove it! 

Every time I call Equifax regarding this inquiry, the representatives always say, " well, it's coming off in a few months, in XXXX ( 2021. ) '' This inquiry was never supposed to be on my credit report! This inquiry needs to be removed IMMEDIATELY! 
I submitted another CFPB complaint against Equifax, who claimed to have mailed me a letter regarding their response ( to my complaint. ) I never received any correspondence from Equifax regarding this issue that's violating my consumer rights.
Complaint sub-issue: Didn't receive advertised or promotional terms

On or about XX/XX/XXXX I purchased a washing machine from Home Depot. I was going to pay with an XXXX card but received an offer of an additional discount and " 12 Months No Interest. '' I initially did not receive the new account discount and had to call customer service to correct it. I did not receive any billing statement. At the beginning of XX/XX/XXXX I went to a retail store, made a {$100.00} payment and the representative called Citibank, requested the late fee reversed and paper billing. I did not receive paper billing and was subsequently locked out of the online portal. I made a {$50.00} payment at a retail store on or about XX/XX/XXXX and due the difficulty in using the account, I called on XX/XX/XXXX, obtained the payoff amount of {$500.00} and paid that amount in full. XX/XX/XXXX while debating on making additional purchases, I found a late notice in my junk email box. I was charged {$34.00} retroactively dated XX/XX/XXXX for " deferred interest. '' I called Citibank and the customer service representative stated I was charged interest due to a late fee and a late fee for the unpaid interest and stated there was nothing she should do. I was transferred to an escalation queue, told by " XXXX '' that managers don't accept customer calls and that Citibank was not going to reverse the fees. I advised I was not going to pay the fees so Citibank closed my account as punishment. I submitted a written complaint and received a message with the customer service number in response. This activity is deceptive at best, but appears abusive. It will also have negative impact on my credit score.
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am living human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Remove Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


XXXX XXXX XXXX XXXX XXXX : XXXX INQUIRIES : XXXX XXXX XXXX : XX/XX/XXXX XXXX/XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX
Complaint sub-issue: Received bad information about my loan

I initially requested a hardship/deferment for my student loans with ECMC. I did n't receive any late notices or requesting information letters from this service provider. Now I am receiving letters of wage garnishments. When I talk to reps on the phone my calls are never documented like they should. I have even reached out to the ombudsman. I have submitted requests to have documents to be re-sent to me, and have not received anything. I have even requested assistance on how to rehab the loan. This collection agency is not helpful at all. I am willing to pay something, but they will not provide the requested information in writing.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXX WYOMING XXXX This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. 
Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : CREDIT PLUS XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Made by : CREDIT PLUS XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section XXXX ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. 

Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 
Sincerely, XXXX XXXX
Complaint sub-issue: Was not notified of investigation status or results

I checked my ssn on the Equifax breach page, and found out I was in fact breached, without any notification from Equifax, I then clicked yes to a free year of security given to those affected without any further information available on that link, I then read it does'nt protect you and that they had a hidden disclaimer the veiwer couldnt see that automatically prevents you from suing if you are a victim of identy theft related to their breach
Complaint sub-issue: Threatened or suggested your credit would be damaged

In XXXX of XXXX, I closed a XXXX XXXXXXXX phone account, due to my XXXX XXXX change of station to the XXXX XXXX. In XXXX I noticed that a debt collector ( Jefferson Capital Systems ) reported the debt as new, and is still damaging my credit report for an account that should have aged off in XXXX. I've initiated several disputes, Transunion still lists the account as delingquent. XXXX  removed this account years ago.
Complaint sub-issue: Didn't receive enough information to verify debt

I disputed the debt months ago through XXXX XXXX. I updated my correct address right then. I never received any information or a letter in the mail. I called XXXX XXXX XX/XX/XXXX at XXXX pm. Rep advised me that debt validation was sent out and they received dispute. They had incorrect address, I gave them correct address. They said allow 10 days for it to be in the mail because they had to receive information from original creditor. This whole time the debt was never removed from my credit report and they stated they did receive my dispute. XX/XX/XXXX at XXXX pm I called again and confirmed that they did update my address correctly, they did. It is now XX/XX/XXXX, I have no debt validation and the information is still on my credit report. XXXX XXXX failed to comply within the legal guidelines ; according to my consumer rights I demand this debt be taken off my credit report, permanently. 

I attached proof of my calls
Complaint sub-issue: Credit inquiries on your report that you don't recognize

In accordance with the Fair Credit Reporting act XXXX Account, 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 an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

The week of XX/XX/XXXX, my checking account with XXXX XXXX  was compromised and a fraud investigation was opened, and it was determined that my identity had been stolen. ( All issues with XXXX have been resolved ). XX/XX/XXXX, I received a letter from MoneyLion Inc with a debit card for an account in my name. I had not opened any account with this bank. When I called for more information, I was told that there was an account on file in my name and also a loan for the amount of {$110.00}. I informed them that this had been opened fraudulently, told them about my identity theft, and that I would like the accounts closed. I offered to provide them with documentation such as the police report I filed the previous week to support my claim. I was told that both accounts would be closed and a fraud agent would call me to follow up within 3 days. A week later, I still had not received a call back and tried to follow up, but was hung up on during my first call transfer. As of XX/XX/XXXX, I have not received any follow-up from MoneyLion. 
On XX/XX/XXXX, I received a XXXX  credit alert about a new account and found a MoneyLion personal loan in the amount of {$1000.00} ( NOT the same amount I was told on the phone in the first place ) that was taken out on XX/XX/XXXX. I have also tried to contact MoneyLion online, but when I tried to make an account, I was told my information ( SSN ) already exists in there system and to sign in instead ( obviously I do not know the username or password for this account, since I did not make it ). I have already filed a police report, fraud reports with all three credit bureaus, an IRS Identity Theft Affidavit, and an identity theft report with the FTC, but I have been unable to get any assistance from MoneyLion in resolving this issue.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XXXX I made an order for XXXX from XXXX  XXXX, Order never arrived so I processed to file a claim with XXXX  XXXX, company never got back to me so I did the next reasonable step and filed a dispute with the Discover. Discover says because XXXX XXXX has showed " proof '' that the item was delivered means that I have the item in my hands. That's ridiculous, I even told Discover that I filed a police report for the items I never got because I believe they must of gotten stolen but yet they still think I have them because XXXX XXXX shows that it was delivered, no signature, nothing. The tracking only says that " it was left out front '' how can the delivery company leave XXXX $ worth of items sitting out front. I live in a very bad part of town so the fact that they would do that just baffles me. 

Disputes number XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Public record information inaccurate

The 3 major credit bureaus are reporting a Chapter XXXX bankruptcy that should be removed because of the new law that came out XXXX XXXX, 2017. Some of the information is incorrect and/or not listed.
Complaint sub-issue: Reporting company used your report improperly

Went to car lot they said they would run my credit with one bank they ran it with alot of banks 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: Problem with customer service

I sent my application for an update on my PSLF application which was sent in XX/XX/XXXX. I have contacted them 3 times since then and they keep saying they are still investigating whether or not my employer qualifies. My employer is the Fed Government. It was when I initially applied in XXXX and was approved. I have done my research and my employer, The Internal Revenue Service, absolutely qualifies per any of the recent rules. So this reason is not legitimate. I have filed a complaint with them and still have not gotten an acknowledgement of the issue or even of my complaint. 

I want to take legal action. I know that my servicer got in trouble recently for wrongly denying XXXX and had to reverse their actions. Now, it seems their strategy is to just keep customers waiting indefinitely which is the same the as denying. 

Thank you.
Complaint sub-issue: Reporting company used your report improperly

On Friday, XXXX XXXX 2017, I visited equifaxsecurity2017.com to discern if I was affected by the recent information breach. The website confirmed that my information has been compromised and directed me to return at a later date to enroll in their Id protection. Equifax has mishandled my sensitive personal information and exposed my family and myself to identity theft.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX I contacted Equifax via certified mail to dispute inaccurate information on my credit report. 
I received a copy of my credit report and found the following item ( s ) to be in error. 

XXXX XXXX XXXX {$150.00} XXXX XXXX {$710.00} XXXX XXXX XXXX {$6600.00} To date, XX/XX/XXXX, I have never received a response from Equifax about my dispute. This incorrect reporting of this false information is hurting my credit rating! It is not a accurate representation of my payment and account history. Please assist.
Complaint sub-issue: Frequent or repeated calls

TCI - Total Card, Inc. calls me incessantly about a debt they purchased from XXXX. I know XXXX as a pending class action law suit as a result of their unethical attempts to collect debts via repeated phone calls even after the consumer requested not to be contacted any longer. The debt is nearly TWICE the age of the statute of limitations age - seven years here in SC. 

I 've asked on four different occasions in one week for them to cease contact. When you call their XXXX number you 're usually put on hold until some rude customer service representative answers. I was told that if I simply paid the debt, then they would stop calling. I informed XXXX reps that I was going to report them. 

One person hung up on me and one rep informed me that due to the age of the debt and law limits, their client, XXXX, will not sue me for the debt and will not report it to any credit reporting agency, but offered to settle the account for a one-time payment of {$630.00} if I provided a credit card via phone. Why on earth would I " settle '' a thirteen year old debt that continues to be sold for pennies on the dollar, if according to law I am no longer responsible for the debt? Then, that rep hung up on me as well. 

I also have a letter dated XX/XX/2016 from Total Card , Inc. stating their client will not report it to any credit reporting agency and I can not be sued for the debt because of its age, yet they l continue to call repeatedly to collect a debt which is thirteen years old. 

I 've since blocked their number, but they continue to call.
Complaint sub-issue: Can't stop withdrawals from your account

XXXX  I tried everything to get them to stop charging my card
Complaint sub-issue: Threatened to take legal action

Dutchess Adjustment Bureau sent me a letter on XXXX XXXX and indicdates that my account with XXXX is past due. I have Writtent to XXXX and ancelled my membership several times and emailed them at least XXXX to cancel and now these guys sent me a letter of collection of debt, however the letter says if I do n't believe I do n't owe money I have 30 days to communicate with them. And I did. But no one answers their Phones or calls you back. I called 4X and left several messages with my information and noted my account but no one ever contacts you. They are dragging this so it pasts 30 Days and so they claim would be valid. But there is no other website or email address to contact, only a number that no one answers.
Complaint sub-issue: Their investigation did not fix an error on your report

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX 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: Account information incorrect

There is an item from XXXX XXXX XXXX XXXX that is reporting on credit file, that is unknown to me and I do not owe {$870.00} this is false information.