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

Discover Card offers a free FICO credit scorecard service. That same score that they provide free of charge is the score Discover uses in order to determine eligibility for their credit card. According to their own information my score is rated GOOD ( XXXX ) with 100 % on time payment history. Both are excellent in determining a potential card holder. On the site they have a Pre-qualify option, soft credit hit, using the same FICO info they provide.I have submitted at least 10 applications via this option to see if I qualify. I have been denied every single time. I have researched Discover 's parameters for card holders, and I fall within their guidelines with both income, credit score, and credit history. I believe I am being discriminated against for whatever reasons. I have called and NO ONE will even discuss the application with me. Discover is not practicing due diligence, and I believe I am being discriminated against.
Complaint sub-issue: Reinserted previously deleted info

Please note that a company using the names XXXX XXXX XXXX or XXXX at XXXX XXXX XXXX XXXX XXXX, SD XXXX phone number XXXX keeps placing a previously charged off and deleted mortgage lien item on my Equifax credit report since XXXX 2015. Each time I file a dispute, I receive a report from Equifax that it is being reported correctly, which it is not. Then, the item disappears and re-appears under a subcompany name. See items attached. I want this to stop, and for Equifax to be penalized for allowing this to repeatedly occur on my credit report. For example, I just received my XXXX Equifax resolution. It again reports that Equifax verified the item belongs to me. Yet, when I log on to dispute the item it is no longer there. So, I wonder when they will put it back on my report again. I have not had any business with this company, and want this to stop. Please assist me.
Complaint sub-issue: Debt was result of identity theft

{$360.00} americollect. 
ive disputed wit them several times and its still on my credit report. 
they cant validate it was me. 
this is not my account
Complaint sub-issue: Their investigation did not fix an error on your report

Disputed Unauthorized accounts on my credit reports and the investigation still did not fix the errors in my file.
Complaint sub-issue: Debt is not yours

This is XXXX XXXX. XXXX. They call daily. They want an account number, which we do not have, and a SSN, which we will not give. We do not owe money anywhere, never have. They call so much that it now goes to XXXX. Thinking this is a scam of some sort.
Complaint sub-issue: Card opened as result of identity theft or fraud

Someone stole my personal information and applied a Bestbuy credit card. But the address that the person used to applied the credit card account wasn't my address. It was my sister 's old address ( My sister moved out from this address since last XXXX but she goes to pick up letters from the old address periodically ). The credit card was mailed to my sister 's old address and my sister informed me on XX/XX/XXXX that I had a credit card sent to her old address. I was shocked because I never apply any credit card recently and I called the # on the back of the new credit card and informed the representative that it was a fraud and requested the credit card to be cancelled immediately. The representative confirmed me my personal information and cancelled the credit card and give me another phone # XXXX to call the coming Monday to place credit alert on my credit report. I was told the fraudulent amount is about $ XXXX.The representative also told me this will be investigated by the ID Theft department and the result will be mailed to me within 30 days. 
I placed freeze request on credit report for 3 credit bureau immediately after the call. 
I also called the investigation department on XX/XX/XXXX by XXXX. I also told the same thing. This issue is under investigation and result will be mailed to me within 30 days. 
Besides that, I received credit card denial letters from XXXX and XXXX XXXX.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair Credit Reporting act XXXX acct # XXXX, XXXX  XXXX XXXX Acct # 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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Citi stated that there was an XXXX charge on XX/XX/XXXX for the amount of {$190.00} have tried since XX/XX/XXXX to dispute this charge with Citi Cards.. The first dispute was denied and I had to send in another dispute on XX/XX/XXXX. 
They advised that the dispute process is more of an automated system. If a person would actually have worked this, they would have seen numerous red flags.. 
I can prove that I was not located in California using XXXX or did any type of charge with XXXX. The sad part is that a number of XXXX charges came thru and citi removed those.. but didnt remove the XXXX 
Now the CITI bill has come due on XXXX XXXX When I called in to start the 2nd dispute, they advised that it would be 30 days.. spoke to a XXXX. 
Now I just called in and spoke to a XXXX. at XXXX after numerous calls and chats.. she is saying I owe and it will go against my credit if I dont pay it.. Not sure how a credit card company gets away with a charge thats in dispute.. that will go against someones credit score. They should take way that charge while in dispute.. if its truly a charge,. then put back on.. other credit card companies take the charge away until the dispute is final.
Complaint sub-issue: Information belongs to someone else

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity Please block this information from report Im a member of the equifax data breach & i have filed my claims accordingly i have been attempting to clear credit report of these fraudulent items XXXX Report Number XXXX XXXX File Number:XXXX Equifax File Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX
Complaint sub-issue: Information belongs to someone else

There are accounts that are reporting fraudulently to my credit file and the credit bureaus continue to give me the run around and won't remove these fraud accounts. I have been going back and forth for months with EquifaxXXXX XXXXXXXX, and XXXX about the following accounts. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX Which all are accounts that I have never had any associations with. I have reached out to each bureau about these fraud errors and they asked me to send in docs to verify myself and I did. I also filed a police report because I am a fraud/ Identity theft victim. I have sent the police report in along with ftc affidavits and proof of residence an identity to proof that None of those fraud accounts match me. I have called an been on the phone with each bureau for hours just to be told that they will be removed and then I get a notice that they are still reporting. XXXX and XXXX wont accept my fraud dispute and keep saying they feel I have filed fraud dispute by mistake and that they will let the creditors make the decision and the creditors have been no help to me. they won't give me proof of how they are verifying me. Something needs to be done immediately to remove these fraud accounts from my file. I have submitted everything to prove that I am an identity theft victim and the law should protect me and my rights. 

Police Report Number # XXXX
Complaint sub-issue: Debt is not yours

AFNI is attempting to collect a debt that I have no knowledge of. I have never entered into any contract with AFNI. AFNI HAS NEVER CONTACTED ME IN WRITING OR BY ANY OTHER PROPER FORM OF CONTACT DEEMED FIT BY THE FCRA. It is my sincere request that AFNI immediately remove this account from each of the credit reporting agencies that it is presently reporting this negative information to.
Complaint sub-issue: Information is missing that should be on the report

My Citi Secured Card Never reported to My Credit Report when its suppose to Help Build Credit Under the Fair Credit Reporting Act If A Company has A Agreement which states they will report to the bureaus They Must do so And This could fall under False Advertisement.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Equifax is reporting inaccurate information on my behalf. I sent 2 inquiry deletion letter to Equifax due to unauthorized inquiries I noticed on my credit report. I do not understand why Equfiax believe or had the right to do this. I do not think Equifax had a permissible purpose to placed unauthorized inquiries on my Credit report. However every time i sent disputing letter or called to one of the rep XXXX to dispute those inquiries. He stated it will deleted. I am demande my credit to be 100 % accurate and complete. I do not want or misleading information on my reports. Equifax is still violating CRA under section 1681i for negligentwanton investigation.

Reckless/willful 1681e ( b ) failure to keep and follow reasonable procedures to assure maximum possible accuracy. 

Equifax has sent me a letter with a different name addressed sent to me with exactly the inquiries I asked to dispute. However those inquiries possible verified. Please explain to me how can you reporting that those unauthorized inquiries are verified if you send me a letter with the same inquiries with a different name. 

I demand the CRA to delete those inquiries IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX They had also responded back XXXX  that the collection from XXXX  XXXX is not listed, but however this is still reporting. 
PLEASE stop report FALSE information. And delete these and adjust my credit score accordingly. If you wish do not so, I will be forced to do legal action against the credit bureaus. 
I will upload the letters.
Complaint sub-issue: Account information incorrect

I contracted the debtor on the XXXX on XXXX requesting my signature proving this was my debt and or that i had paid the account late. The companies are reporting information to my 3 credit reporting agencies without any validation of the debt and the credit reporting agencies are reporting this inaccurate information to future creditors.
Complaint sub-issue: Information belongs to someone else

I am filing this report because today XX/XX/2020 I was made aware of two accounts on my credit report that do not belong to me. The way I found out was that I went to apply for a XXXX   credit card and I did not get approved due to these two accounts in negative standing appearing on my credit report. The accounts are from XXXX 's and XXXX XXXX. I did not open those accounts nor have I ever opened an account with those companies. I did not allow anyone to open those accounts in my name and I do not and have never had a written/verbal contract with either of those companies. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards these accounts. I have filed this report to the best of my knowledge and I have also filed a police report and a complaint with the consumer financial protection bureau.
Complaint sub-issue: Was not notified of investigation status or results

As I am working to clear up things that are on my credit I came across XXXX XXXX From XX/XX/XXXX in the amount of XXXX.I sent certified letters to them XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, showing me proof this debt is mine. To date I have not received any thing from them at all regarding this business matter.
Complaint sub-issue: Information is not mine

Inquiries from XX/XX/XXXX-XX/XX/XXXX need to be removed
Complaint sub-issue: Account terms

I 've disputed this entry several times about incomplete and inaccurate information being reported..I personally contacted original creditor and was told he no longer had files and or paperwork to substantiate or verify my claims of inaccuracy..so with that being said how is my disputes being returned as verified ... .Although original creditor is reporting a XXXX balance/charge-off at most it should be showing paid/charge-off because I sent in photocopies of receipts that showed I paid this account in full thru the party it was outsourced to. Original creditor told me he could n't make any changes cause he no longer had my files .... ( I spoke with a XXXX XXXX of XXXX XXXX the branch manager at XXXX )
Complaint sub-issue: Trouble with how payments are being handled

Dear CFPB, I'm part of the XXXX XXXX XXXX XXXX and think that XXXX might have miscalculated the number of qualified payments I've made so far. 

I've been paying back my loans since XX/XX/2017 regularly and am on the income-based payment plan. My loans were consolidated by XXXX, and my employers are certified non-profit organizations. And I recently received an email stating that I have made 2 qualified payments and that I have 118 payments left. 

Can you help me? 

Thank you!
Complaint sub-issue: Account information incorrect

Per my credit score on Equifax as of XX/XX/2022, my XXXX XXXX has a balance of {$2700.00}, and XXXX XXXX reported that as of XX/XX/2022. 
However, per XXXX XXXX statement, my balance is {$1800.00}.
Complaint sub-issue: Information belongs to someone else

these claims are not mind someone used my information i never lived in ohio these are fraud claims there reporting to lexus nexus and needs to be removed CLAIM 2 Claim Date/Age : XXXX / XXXX / XXXX ( XXXX - XXXX ) CLUE File # : XXXX Company : XXXX XXXX I Claim # : XXXX Policy # : XXXX Policy Type : PERSONAL AUTO Policy Holder : XXXX, XXXX Vehicle Operator : XXXX, XXXX Date of Birth : XXXX / XXXX / XXXX SSN : XXXX Sex : XXXX  Address : XXXX XXXX XXXX, OHXXXX Drivers License # : XXXX Vehicle : XXXX XXXX XXXX VIN : XXXX Disposition : N/A PAYMENTS BY CLAIM TYPE Amount Type Status {$1200.00} BODILY INJURY CLOSED {$2900.00} COLLISION CLOSED NaN COMPREHENSIVE CLOSED {$970.00} PHYSICAL/PROPERTY DAMAGE CLOSED Additional Info : N/A CLAIM XXXX Claim Date/Age : XXXX / XXXX / XXXX ( XXXX - XXXX ) CLUE File # : XXXX Company : XXXX XXXX XXXX  Claim # : XXXX Policy # : XXXX Policy Type : PERSONAL AUTO Policy Holder : XXXX, XXXX Vehicle Operator : XXXX, XXXX Date of Birth : XXXX / XXXX / XXXX SSN : XXXX Sex : XXXX  Address : XXXX XXXX XXXX, OHXXXX Drivers License # : XXXX Vehicle : XXXX XXXX VIN : XXXX Disposition : N/A PAYMENTS BY CLAIM TYPE Amount Type Status NaN BODILY INJURY CLOSED {$13000.00} COLLISION CLOSED NaN PHYSICAL/PROPERTY DAMAGE CLOSED Additional Info : N/A CLAIM 4 Claim Date/Age : XXXX / XXXX / XXXX ( XXXX - XXXX ) CLUE File # : XXXX Company : XXXX XXXX XXXX Claim # : XXXX Policy # : XXXX Policy Type : PERSONAL AUTO Policy Holder : XXXX, XXXX Vehicle Operator : XXXX, XXXX Date of Birth : XXXX / XXXX / XXXX SSN : XXXX Sex : XXXX Address : XXXX XXXX XXXX, OHXXXX Drivers License # : XXXX Vehicle : XXXX XXXX VIN : XXXX Disposition : N/A PAYMENTS BY CLAIM TYPE Amount Type Status {$3800.00} COLLISION CLOSED Additional Info : N/A
Complaint sub-issue: Information belongs to someone else

On XX/XX/XXXX, CITIBANK NA., BEST B add a hard inquiriy on my credit report per XXXX  .

On XX/XX/XXXX, XXXX 'XXXX  XXXX XXXX add a hard inquiriy on my credit report per XXXX.
Complaint sub-issue: Account information incorrect

Around XX/XX/XXXX, I made my monthly payment for my XXXX  card. I believe I made the monthly payment with a representative. 

On XX/XX/XXXX, An alert from XXXX XXXX came in my email informing me, my credit score went down. I quickly viewed my credit reports. I discovered that XXXX  had place a 30 days late mark on my credit report, which ultimately affected my credit score, as well as, another creditor lowering my credit card limit because my credit score was lowered. 

On XX/XX/XXXX, I contacted XXXX  about the negative 30 day mark that was placed on credit report, which my monthly payment was made. I was informed, " XXXX  had a computer glitch when my payment was made and the payment did not get posted ''. I asked XXXX  to removed the negative 30 day reporting from my credit report because it was ruining my credit score and my other creditors relations. 

On XX/XX/XXXX, I viewed my credit report to see if XXXX  had removed the negative 3o day mark, which they had not. I also discovered that another credit caard lender hard reduced my line of credit due to the negative 30 days late mark, whoch caused my credit score to be lowered. 

XX/XX/XXXX, I contacted XXXX  again to remove the negative 30 days mark because I needed my credit and could not afford for my credit score to be lowered, nor did I want another creditor reducing my line of credit due. I was told, " XXXX was still in the process of removing the negative mark from my credit report, while I continue to adversly affected by the negative mark on my credit report. 

We are experiencing a Pandemic Crisis and I needed my line of credit on my credit card, which my credit card limit was {$2100.00} that was reduced to {$700.00}. In addition, when my credit card holder reduced my line of credit, it also affected my credit score. My line of credit was reduced on XX/XX/XXXX, which I contacted XXXX  on XX/XX/XXXX about their mistake of putting a bad mark on my credit report. If XXXX  had taken care of the negative mark, i would not have lost my credit line with my credit card holder. My credit is ruin as well as my credit score. I opened the XXXX  account in XXXX which I was in good standing with my XXXX  account as well as with my other credit card holder. 

XXXX  ruin my life and my credit! I needed my credit card limit that was reduced while I am adversely affected from the Pandemic Crisis.
Complaint sub-issue: Account terms

Equifax is required to have the docs associated with the accounts in their files PRIOR to even reporting them pursuant to section 609 and those docs are to be made available to me. I requested those docs last month and only received " results '' stating that XXXX these accounts are verified and accurate. 

If you see XXXX V XXXX 1997, you will see that Congress states that once I notify the bureaus that I believe their information to be inaccurate, they must not only reinvestigate but must also go beyond the original source of information. They did not even conduct an investigation, as I contacted each company and was told that they were not even reached for verification and that the information in my credit report is IN FACT INCORRECT. So where are they getting their information from? 

I 'm including my current dispute letter as well as the XXXX previous dispute letters which clearly state my disputes. I have also forwarded these letters to my attorney.
Complaint sub-issue: Charged for a purchase or transfer you did not make with the card

XXXX XXXX apx XXXX XXXX contacted call center. Talked to 3 employees of back card and told each of them of the 4 pending transactions that were fraudulent. 

XX/XX/21 XXXX boost mobile pending {$100.00} XX/XX/21 XXXX XXXX pending {$50.00} XX/XX//21 XXXX XXXX pending {$10.00} XX/XX/21 XXXX XXXX pending {$10.00} First employee could not start a Fraud claim. First employee could not answer my question to just reverse the charges. Second employee. Did not start a fraud claim. And could not reverse the charges. Second employee did notify me that there was other activity on my account but the funds were not there. Transferred me to a supervisor. 
Explained to the supervisor Of the four pending Charges. Also asking him to reverse the charges they did not belong to me. Put me on hold and was disconnected. 
Total Time one and a half hours. 

Approximately XXXX XXXX my account was closed. no card was ordered for me. 

XXXX XXXX XXXX XXXX  I filed a police report. 
XXXX XXXX XXXX XXXX Made several attempts to contact bank, all calls went to recording and then call ended XXXX XXXX. Contacted Social Security, They made contact with With agency to get a new card Sent to me. 
XXXX XXXX XXXX XXXX XXXX XXXX, made several attempts to call bank received the same recording where the call would end. 

XXXX XXXX. Receive my new card to activate. New card entered into the phone customer service Now answers. Per Regulation E, Reported Fraud within 24 hours, bank did not-start a fraud claim until XXXX XXXX. As requested by bank to expedite, send fax per bank. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Faxed several times, no response. 

XXXX XXXX contacted bank gave me new fax number. 

XXXX XXXX XXXX XXXX, now 2 faxes attempting several times on automated re-fax. No response. 

XXXX XXXX received fraud claim in mail. 

XXXX XXXX. Three Separate faxes all went through including fraud claim, asking for an explanation of why claim was not started on XXXX XXXX. 

Today XXXX XXXX, 19 days after fraud still no provisional credit on my account. No call back or text sent from bank about fraud investigation.
Complaint sub-issue: Problem accessing account

When contacting US Bank regarding several issues I've been having with their XXXX app features the representative I was transferred to from technical support was extremely rude telling me that they've been having these issues for a while they had no estimated time of when the issue would be resolved because it was a low priority for US Bank and he had nothing else to tell me when I called back to file complaint against that representative I was given the runaround today I received the call from a very rude representative from their corporate offices in which he wanted to argue and interrogate and harass me on the phone about issues that I'm having with my account due to their negligence and by their own inventions of their representative and issue they knew about but that wasn't a concern for the bank