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

Good afternoon. I recently applied for the Citi XXXX XXXX XXXX Credit Card, however I was denied without a detailed reason. The application ID is XXXX. I am writing today to see if someone can please contact me to go over any concerns they may have and fix whatever is causing this denial. I am confused that I got denied because I have XXXX credit score and can not seem to figure out why I got denied. Years ago I was a victim of identity theft and someone got access to my accounts and were making purchases etc. I reported this to all the credit card companies I did business with and all maintained great communication and immediately added additional security to my accounts to avoid anyone from getting access. To date I have not had a single problem with any of them. Citibank on the other hand had closed all of my accounts and I never knew the reason why, I simply assumed it had to do with the Identity theft, because I saw from a letter sent to me that one of the accounts was being mismanaged or something like that. I only wished someone would have contacted me when the unusual activity was taking place to review and put in place immediately additional security to avoid any damage to my credit with Citibank. I didn't know what was going on until I noticed that one day none of my Citi Bank accounts were appearing when using the Citi app on my new phone. Please I truly want to come back to enjoy the great customer service and benefits I was receiving. I am a strong believer that communication is key to success and solutions. I am attaching my recent credit card application and the old police report I was given when my wallet, laptop, phone etc. were stolen for reconsideration.
Complaint sub-issue: Debt is not yours

I was being bombarded by calls about a {$2000.00} XXXX ( varied ) debt to XXXX. Not having ever conducted a transaction with XXXX that would result in a debt, I largely ignored these calls for about 6 months. Finally, being fed up with call-blocking not being effective, I contacted XXXX directly XXXX probably sometime in 2020, I'm not sure ) by phone to ask if I had ever had a debt with them. They confirmed I did not, and then I closed my account as a precaution. 

Now I'm receiving statements from a debt collection agency called Unifin. Looking them up online, they appear to be legitimate- but many things can appear to be. I'm becoming more concerned about how this may affect me and I want it stopped before it causes me any damage.
Complaint sub-issue: Information belongs to someone else

I have attached an FTC report with a collection and inquiries I did not authorize and they are fraudulent, please delete
Complaint sub-issue: Account status incorrect

The issue at had is with my current mortgage company Loan Care. 

I'm a FL resident and on XX/XX/XXXX I was impacted by Hurricane Irma. FL was considered 1 of the Disaster areas. Due to this, Loan care offered a 3 month forbearance that was extended for an additional 3 months in order to help the victims. 

I was placed on the forbearance. On multiple occasions I've called and spoke to several different representatives in customer service to confirm that being on the forbearance would not have a negative impact on my credit report. Over and over the confirmed as long as I stayed in contact with them by the end of the forbearance to look into other options to repay I would not experience any negative reporting. 

At the end of my forbearance they demanded me to pay in full the 6 months payments which was more than 10,000. I was shock that this was the only option so I asked if they had other repayment options like perhaps rolling the balance to the end of the loan. 

I was finally contacted by an underwriter for the company and was offered a disaster modification option which sounded great. I applied and was approved and placed on a pre trail for 3 months. I'm currently on my 2nd trail payment and is required a 3rd payment before they will officially put me in the modification. 

My account was being reported current up until XX/XX/XXXX. On XX/XX/XXXX my account was reported 180 days delinquent, a past due balance of XXXX and a statement that I'm in a repayment modification process. Because of this reporting my credit has dropped more than 77 points which cause a huge impact to my credit ratings. I was never informed that accepting the loan modification would impact my credit negatively. I was told that all negative reporting would be placed on hold. 

I'm currently in the process of obtaining new credit and because of this discrepancy I can not move forward. This is unfair to me. If I was properly informed I would have never chose this route. My credit is one of my top priority and keeping my ratings high has been my goal for many years now. 

I contacted my mortgage company and spoke to a supervisor that informed me that the negative reporting was a mistake and should have never occurred and that she would contact me to confirm it was being corrected. I haven't heard back yet. Time is of the essence and would like confirmation that the changes will be submitted. 

After speaking with her I called a few times and spoke to different representatives that informed me that the negative reporting will not be removed because the account was behind. at this point I'm getting mixed information and need help. 

I will attach a copy of the email I sent to them also.
Complaint sub-issue: Information is missing that should be on the report

I opened a PNC Bank Secured Card in XX/XX/2015 that was closed however up until the Data Breach with the Credit Bureaus it was still showing building my Credit. Credit is very important to me & I contacted the Credit Bureaus & they said I needed a reinsertion letter. I contacted the Executive Office at PNC Bank & was not able to get this resolved. The next step would be to File a Lawsuit against the Credit Bureaus & PNC Bank
Complaint sub-issue: Credit inquiries on your report that you don't recognize

After submitting a dispute against XXXX XXXX XXXX XXXX stopped me from opening bank accounts in the US and refused to provide complaint numbers to address my consumer rights being compromised. End result, credit card companies have close Accounts and refused credit limit increases And lower APR as a result of defamation of my character.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent the document below advising information on my report was incorrect and it should be deleted. According to the FCRA if the information is incorrect it should be removed off the consumer report. Instead the account was updated to what I pout in the letter. How did you verify the information to updated it. What if I was not telling the truth. They never send me a method of verification and I have asked plenty of times for the XXXX XXXX  account that is on my report. Everything they have been doing to my report is illegal and in violation.
Complaint sub-issue: Problem getting your free annual credit report

I requested my free annual credit reports from XXXX, Equifax and XXXX in XXXX as usual and have not received them
Complaint sub-issue: Information belongs to someone else

I did not authorize nor consent to the following inquires being furnished on my consumer reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Problem with signing the paperwork

PNC Bank was unable to execute the loan after issuing the loan documents. PNC Claimed that " the Internet is down '' as the reason for being unable to generate a check against the loan. After having the customer wait 3 1/2 hours in the branch, they generated the check, but set up the loan in the wrong amount. Now PNC is trying to reissue the loan and check and have the customer return to the bank to correct the amount- the error is {$0.00}. 

This bank is incompetent and unmanaged.
Complaint sub-issue: Information belongs to someone else

My identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report. 
XXXX {$17000.00} XXXX {$14000.00} XXXX {$0.00} XXXX {$0.00} XXXX {$64.00} DE [ TEDXXXXXXXX {$3500.00} XXXX {$64.00} DEPTEDXXXXXXXX {$3500.00} DEPTEDXXXXXXXX {$2000.00} DEPTEDXXXXXXXX {$2200.00} DEPTEDXXXXXXXX {$2000.00} XXXX {$13000.00}
Complaint sub-issue: Account information incorrect

There's been information being reported on my credit report without my consent by Equifax. There's been a breach in their system and I was affected by it. My information was leaked to the public. I tried to resolve this issue with Equifax which they refuse to assist me with furnishing my information without my consent, which is a violation of my privacy.
Complaint sub-issue: Information is not mine

My name is XXXX XXXX XXXX and I would like to complain about Equifax and XXXX XXXX XXXX. Here is my story. I usually check my credit report like other people. As just usual, I checked my credit report in XXXX 2015 and I found that there was XXXX collection amount reported on Equifax credit report, the amount of {$68.00} reported by XXXX XXXX XXXX for XXXX XXXX expense. So I DISPUTED and talked to Equifax representative and waited for the result because it does not belong to me. However, Equifax replied me back with a bad news that the collection amount belongs to me. So, I talked to XXXX directly and I found out that I have no past due at all AND they said that they did n't even know that ( after they investigated it. ) So, I disputed again in Equifax and they replied me back with same answer that it belongs to me! So, at this time, I also talked to the XXXX XXXX XXXX directly and disputed in writing ( by certified mail ) in XXXX 2015, but never received reply back. I also requested any support or backup documents for the collection amount of {$68.00} if it really belongs to me, then I can pay ... that 's not a problem at all, but they did n't even give me any backup documents for the {$68.00}. What should I do?! The collection amount of {$68.00} still shows on Equifax credit report, which I want to remove as soon as possible. It 's a simple thing ... if it 's mine, I will pay it, just provide me the invoice/documents, HOWEVER, if it 's not mine, get rid of it ASAP! Please help me! 

For your information, I would like to provide you the collection agency 's information here. The collection agency 's name is XXXX XXXX XXXX and they reported {$68.00} for XXXX XXXX expense. Their phone number is XXXX and the address is XXXX XXXX XXXX XXXX, FL XXXX. Their account number XXXX my case XXXX is XXXX. 

Please let me know if you need more information from me. My phone number is XXXX. My email address is XXXXXXXXXXXX. I look forward hearing from you soon. Thank you so much.
Complaint sub-issue: Personal information incorrect

I noticed that there is an address associated with me and i have never lived in XXXX only in XXXX. So now i am concerned that i have all this bad credit and i dont know if its mine or is someone else using my information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Funds not received from closed account

Citibank withheld money in my checking account
Complaint sub-issue: Their investigation did not fix an error on your report

I have continuously tried to get US Bank Credit Card services to correct a late payment error that was reported on XX/XX/2020. 

I called in to ask for a COVID-19 extension, made a payment and the representative advised that she would acknowledge the COVID-19 hardship and put in a correction for credit reporting to current for XX/XX/2020. 

US Bank has failed to acknowledge the complaint, as they can not provide any proof of the recorded phone call I had with the agent in XX/XX/2020. 

I have also had a problem with trying to resolve a dispute on the same card, which I have filed a separate CFPB complaint regarding that matter. 

I want the 30 late corrected to current or I want a copy of the phone call stating that the call representative never stated she would fix it. 

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

XXXX and equifax are showing inquiries on my credit report that i do not recognize. although i know i must go through a process, it will be hard for me to do so since i am a XXXX veteran and have a hard time getting around and moving due to my declining health issues :
Complaint sub-issue: Debt was result of identity theft

A Citibank Credit Card was sold to XXXX XXXX and 2 law suits were filed the first was dismissed to investigate the fraud claim the law firm for XXXX XXXX XXXX and XXXX never contacted me after that 3 months later they file a 2nd Law suit. I completed the fraud affidavit and filed a complaint with the XXXX XXXX PD. And provided all requested information in regards to XXXX AND XXXX XXXX and XXXX to show proof this credit card along with 3 others were opened fraudulently by my exwife .. who admits to using my Social security number to open fraudulent accounts. Both XXXX and XXXX XXXX XXXX XXXX continue to peruse me legally for a fraudulent account. I have yet to receive a response from XXXX nor XXXX XXXX XXXX XXXX in regards to their investigation or finding from the fraud affidavit that was sent to both companies over a month ago. The law suit is still pending and both companies continue to attempt to collect an account that was fraudulently open.
Complaint sub-issue: Account information incorrect

CarMax Auto Finance is in violation of FCRA inaccurate reporting. CarMax had not reported my on time payment history as they put it due to a system change at their company since XX/XX/XXXX .Another violation thats over 5 months of no reporting. Then to constantly mess up and report I had missed or late payments. I am beyond fed up with these people. I have contacted CarMax a total of XXXX times to have them remove late payments that were never late every few days they are reporting to the credit bureau either I got a new loan or a late payment. I spoke with over 6 different representatives. I have emails and control numbers that it was being removed and today XX/XX/XXXX they report again a late payment. They have reported a total Of XXXX late payments my credit score has been impacted each time because of this I went from a XXXX XXXX XXXX to a XXXX because of CarMax I am frustrated and Im tired of spending countless hours each week on the phone with their representatives. It is not fair to me as a consumer and I will be consulting a attorney. This has happened every week since XX/XX/XXXX.
Complaint sub-issue: Didn't receive terms that were advertised

I received two targeted promotion emails from Citibank regarding their " Cash Back Booster and Additional Cash Bonus '' offer. This offer required opening a new consumer checking account and depositing a minimum of {$15000.00}. After maintaining a {$15000.00} minimum balance for 60 consecutive days, the offer specifies that a {$400.00} cash bonus would be deposited within 90 consecutive days since the requirements have been met. 

I have met the requirements on XX/XX/XXXX and I have not received the {$400.00} bonus as of XX/XX/XXXX. I called Citibank and they said that there is no promotion enrollment attached to my account. I still have an email confirming my enrollment in the offer.
Complaint sub-issue: Reporting company used your report improperly

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take XXXX action.
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

XX/XX/18 purchased car from XXXX XXXX XXXX & gave XXXX down ( CCM financial llc ) XXXX I spoke with CCM and asked them to take payment. 

XXXX they repod the car. 

XXXX I called CCM and asked why they took if they were supposed to take payment. From my debit card got hung up on & when I called again they were closed XXXX called again and got out on hold and then forwarded to a vm. Left vm XXXX called & requested the total amount due XXXX order to redeem the car, & planned to make the money gram payment same day, lady told no can do theyre deciding to close out my loan for good with no option for redemption and were unable to give me any more information and hung up on me. Called back and continued to be hung up on saying you dont have an acct with us we cant take your call XXXX I called for an explanation of why they werent wanting to let me redeem my car, and asked why I havent been called or sent any letters or anything and they said theyre not required to disclose anything to me since my acct is closed. 

XXXX I called to ask about my things that were in car and got hung up on.
Complaint sub-issue: Problem with rewards from credit card

In XX/XX/XXXX, I called and asked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card to stop allowing XXXX XXXX to bill the credit card. I disputed the charge, the representative initiated a charge dispute against XXXX XXXX. 
The representative agreed to stop payments to XXXX XXXX. 

In XX/XX/XXXX I called and asked the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card to stop allowing XXXX XXXX to bill the credit card. 
The representative agreed to stop payments to XXXX XXXX   and initiated a second dispute. 

In XX/XX/XXXX I noticed that the CC company was still paying XXXX XXXX. 
I called the CC company and told them to close the account because I have asked multiple times to have them stop paying XXXXXXXX XXXX but they kept letting charges go through ( this was the third time ) A third dispute was initiated. 

I had earned XXXX dollars cash back and ask them for the cash that is owed to me. The last time I asked was today, XX/XX/XXXX I want the cash back that I earned which totals {$500.00} In summary, I was forced to close the account because they kept paying for XXXX XXXX after multiple requests to stop paying XXXXXXXX XXXX. Because I closed the account they don't want to pay the cash rewards but I was forced to close because of mistakes made by XXXX XXXX XXXX XXXX XXXX XXXX Credit Card. The account was closed in a panic because they kept letting payments go through despite agreeing to stop those payments.
Complaint sub-issue: Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX.
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, 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: 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. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but 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 the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$6600.00} XXXX XXXXXXXX Balance : {$8100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX Balance : {$3600.00}
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS. THESE NEGATIVE ACCOUNTS HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Complaint sub-issue: Reinserted previously deleted info

XXXX has a charge off listed on my file. They showed it as having a XXXX balance in XXXX with a paid balance and then a {$28000.00} balance in XXXX. We filed a complaint with several government entities. I disputed it with the XXXX credit bureaus. The Fair Credit Reporting Act ( Sec. 611 ( a ) ( 1 ) ( A ) says : In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I disputed this item in XXXX and the credit bureaus left it on the file. THERE IS NO BALANCE ON THIS ITEM.