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

I have recently been unfairly denied credit because of information that has been included in my file. I have recently reviewed the copy my Credit Report report and I have found information that I believe to be inaccurate. The letter stated it was due to SERIOUS DELINQUENCY TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH I have worked really hard to raise up my credit score and feel this information is not right and is inaccurate. Also all my accounts have never been paid late nor have they ever been delinquent.
Complaint sub-issue: Trouble closing card

I receive my SSDI benefits on a ComericA Bank card. For three days I have been trying unsuccessfully log into my account but can not and the password recovery option is unavailable. I am trying to close account to stop fraudulent charges but when I call customer service at XXXX to cancel and get a new card the automated message says because of call volume they can not take my call. I now have NO way to contact this company!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Unauthorized Inquiry Transactions, As requested I contacted lenders directly to request deletion letters. When speaking with them, I provided my full legal name ( including suffix ), date of birth, my current home address and contact number - None of the lenders could verify a request for a credit transaction in their system. I offered my Social Security #, they declined and stated once the social security number is entered into the automated system either by phone or online it is encrypted and they don't have access to it. I spoke with XXXX from Equifax support team on XX/XX/XXXX at approximately XXXX XXXX, she advised that I file a FTC Report and submit my Inquiry dispute via certified postal mail along with the FTC Report. THE FTC NO LONGER HANDLES THESE KINDA OF REPORTS CONCERNING CREDIT ISSUES- THEY SEND YOU DIRECTLY TO CFPB. 

( Inquiry ) - XXXX XXXX, XXXX ; Date XX/XX/XXXX ; ( Inquiry ) - XXXX XXXX XXXX  XXXX XXXX ; Date XX/XX/XXXX ; ( Inquiry ) - XXXX XXXX XXXX  XXXX XXXX ; Date XXXX ; ( Inquiry ) XXXX XXXX  XXXX, XXXX XXXX XXXX XX/XX/XXXX ; ( Inquiry ) - XXXX  XXXX  XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX ( Inquiry ) - XXXX  XXXX  XXXX  ; XXXX XX/XX/XXXX
Complaint sub-issue: Received bad information about your loan

I have filed multiple complaints against osla concerning student loans on my accounts I have requested information containing these accounts that a negatively impacting my credit reports I cant get no credit because of inaccuracies with dealing with this collection I dont have a copy of any contract agreement payment terms or any information that I would need I have contested this debt numerous of times and all I get is the same reply Department of education says we cant release information about your loan but the thing is I dont work for the department of education or osla I have rights that are being violated for sure you cant deny me access to information concerning a collection that is placed on my credit report the department of education hasnt confirmed this aligation of not releasing information and by law can not deny me information about an account associated on my credit report if this is the case then if they arent presenting verifiable information then you must remove the account thats FCRA my right to contest any inaccuracies or unverified information which they are stating that they are not denying or confirming any debts at this moment it must be removed
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act 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 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: Contacted employer after asked not to

Collections Agencies continues calling my work, after I requested not to call my work. The debt is not mine. They have yet to send written proof.
Complaint sub-issue: Reporting company used your report improperly

XXXXXXXX XXXX XXXXXXXX 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.
Complaint sub-issue: Account status incorrect

Immediately following my successful Chapter XXXX discharge, I wrote a letter and provided a hard copy of my chapter XXXX information. This information included, Discharge Letter, Final Cure of my XXXX XXXX XXXX  Debt, all creditors that had and had not responded to the trustee at the meeting of creditors. All three credit reporting agencies received this document in XXXX 2017, however when I attempt to apply for credit the main reason for denial is " SERIOUS DELINQUENCY ON ACCOUNTS ''. The other issues are because of too many inquiries ( Which is correct ) and derogatory public information. ( Chapter XXXX discharge is also correct. ) XXXX XXXX XXXX XXXX is still not being reported on any of my credit reports and they have also been contacted by mail, email and phone. I have been making on time payments to this company and continue to make payments. Looking at the denial letter and going to the credit reporting agencies does not give me the information that is showing the reason for denial. There is NO DELINQUENT ACCOUNT information for me to view or dispute. But I am being dinged for this very reason.
Complaint sub-issue: Other problem getting your report or credit score

Equifax has placed a block on my credit report making it unavailable for verification. I have faxed over and mailed my State ID and Social Security number and it has still not been fixed.
Complaint sub-issue: Was not notified of investigation status or results

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to ... promptly delete all information which can not be verified. that i have disputed. Please resolve this manner as soon as possible. Thank you.
Complaint sub-issue: Problem with personal statement of dispute

I've disputed items on my credit report. Equifax has dropped my score by 125 ... When I contacted Equifax they explained they dropped my score because I'd disputed items. This was stated on an open and recorded line.
Complaint sub-issue: Reporting company used your report improperly

According to the Fair Credit Reporting Act 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 XXXXXXXX has violated my rights. 

15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A section 2 also states a credit reporting agency can not furnish a account without my written instructions.
Complaint sub-issue: Deposits and withdrawals

Dear CFPB agent, I opened a case with US bank and I was very frustrated on how they handled my case. It was a violation on my Client agreement with them when I opened the account and for some reason my account information or data was changed or manipulated by the bank 's Fraud Dept : 1. ) On Overdraft Coverage/Protection : I never opted for an overdraft protection when I opened the checking account I filed a case on, There was no verbal or written authorization from me. Despite that that they paid an ACH item for {$5000.00} on XX/XX/2020 that was unauthorized. They took {$4200.00} from our savings account to my checking account to cover a {$5000.00} ACH item that overdrew my account - {$710.00}. I made sure through online banking that I did not have an overdraft protection. I never had overdraft coverage on all our accounts and on XX/XX/2020 I received a message from the bank that my account was changed to a marked " YES '' for an overdraft protection coverage, this was the same date they denied my claim.I never changed any of my banking terms on-line. We can investigate on this and get an audit log of the who is made the changes. 

2. ) On Alerts via text or email messaging : I opted for this and we've been getting alerts but not on the {$5000.00} item that was paid on XX/XX/2020. 

3. ) On the Fraud Dept errors : I opened a case on XX/XX/2020 but it was declined then closed, and the item was returned with " insufficient funds ''. I was told that the item the case was opened with was the wrong item since there were other {$5000.00} items returned unpaid on the same date, also unauthorized. So they opened a new case on the correct item that went through and paid. XX/XX/XXXX. Then it was again declined and closed. There was a total of 4 cases opened and declined due to bank errors 4. ) On Provisional Credit : I have received the form to be signed a day before they expired for a provisional credit, this happened 3 times. To meet the deadline I faxed these signed forms at the branch. They also instructed me to send the original via certified mail and I did. They never gave me the credit despite their mistakes. 

This has been very stressful to me and I told them they will hear from my lawyers and will report them to CFPB. I want you to do what you need to do since you are the authority responsible for unethical and negligent acts of this financial institution. How they're handling the case and treating me has been discriminatory. I hope CFPB is far from discriminatory as expected. 

Mrs. XXXX XXXX XXXX ( XXXX ) XXXX Realtor/Loan Officer XXXX  XXXX XXXX XXXX XXXX XXXX DRE # XXXX NMLS # XXXX
Complaint sub-issue: Received bad information about your loan

Changed payment plan several years ago to IBR. First PAYE then REPAYE. My balances have almost doubled although I've never missed a payment. Customer service can never explain why and the payment plans make no mention of this. How can this happen? I am on a payment plan because I'm a single mother of a severely XXXX child. By the time loan forgiveness hits on these so called plans I might owe hundreds of thousands of dollars. Nelnet is my serving company.
Complaint sub-issue: Account status incorrect

i want to complain against EQUIFAX. a XXXX XXXX XXXX acct was turned over to XXXX XXXX XXXX  in XXXX, nc. i made an agreement in writing and have made all current payments on time since XX/XX/XXXX. XXXX has taken this acct off and i have a score of around XXXX. EQUIFAX however will not take it off and i only have a XXXX score on equifax. i want it removed just like it was with XXXX. again the complaint i want equifax to remove this acct from my report. all payments are caught up and on time with a mutual agreement in writing.
Complaint sub-issue: Don't agree with fees charged

Thank you for taking the time to read this and for hearing all of our concerns. Your work is appreciated. 

I attended XXXX XXXX while serving in the XXXX. This would 've been in XXXX, VA around the year 2000. I was using the XXXX XXXX which was a confusing nightmare at the time. 

Approximately 3 - 4 months in, I receive a letter stating I owe money for student loans. XXXX financial aid tells me I did n't send the form which was due every quarter, or half. I forget the timeline. Either way, I was never given any notice of this form and had no recollection discussing it. 

I say I can turn it in now. Financial aid office says their hands are tied. I say there was poor contact on their behalf, surely they can accept a form week late due to an admin error or something, right? No. Give us {$5000.00}. That has grown to something like {$12000.00} now. 

So now I 'm dealing with FedLoan Servicing. I guess they 're with Department of Education? They 've been relentless trying to collect using different vendors, or changing their own face over the years. 

It 's been a ridiculous fight against this loan for 15 years. We approved all the XXXX XXXX paperwork, and they say I do n't need to give them anything else. I deal with schools and financial institutes in my workplace, they always have some type of waiver. 

It 's not right being charged so viciously when I was under the impression XXXX XXXX had it covered. I do n't know if this should go to Department of Education or XXXX. XXXX of them needs to grandfather the form in. We can do better than this.
Complaint sub-issue: Account status incorrect

Acct # : XXXX Acct type : Medical Collection Furnisher : XXXX XXXX XXXX XXXX Dispute type : Incorrect date of first delinquency because of no supporting medical statement showing the exact date I requested to remove incorrect delinquency date from my credit history many times. Equifax always responded the same template to me with only updated day/month and referred me to XXXX ( a collection agency which doesn't respond to my requests as well ). 

I requested for a description of the procedure used to determine the accuracy and completeness of the information, and I never received any response. The medical bills need a statement date as a due date not a service date. 

THE DATE OF 1ST DELINQUENCY IS INCORRECT, BECAUSE THERE IS NO STATEMENT VERIFYING IT, AND I ASK FOR A DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION BY THE CALIFORNIA LAW.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX XXXX violated my rights. 

In accordance with the Fair Credit Reporting Act 15 USC 1681 & Fair Debt Collection Practices Act 15 USC 1692 XXXX XXXX XXXX acct # XXXX, has violated my rights. 

15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.

15USC 1681 Section 602 A. States I have the right to privacy.

15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that any debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 USC 1682. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

15 USC 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed this XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed, however, the account payment status is late. The account payment status CAN NOT be late on an account that has been already closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. Please update the account 's information : XXXX XXXX
Complaint sub-issue: Debt is not yours

Due to the pandemic I only worked less than XXXX hours per week I had a XXXX XXXX XXXX  my son had XXXX  as well as being XXXX XXXX I had additional fees due to XXXX  for example XXXX  fees and XXXX  fees to XXXX  fees for my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I reached out to the rent paying organization so that my rent can get paid because I was struggling and getting assistance from my family XXXX XXXX or XXXX XXXX sent XXXX XXXX XXXX  months of rent on XX/XX/XXXX for my rent the XXXX XXXX sent the check back knowing the fact that if I did not qualify I would not have received funding I do not owe XXXXXXXX XXXX a XXXX last I have emails that I sent to her and her boss because of their negligence. I have also filed a lawsuit with the state of Texas because due to the pandemic this company falsified their rent prices online which is called price gouging.This company Hunter Warfield is operating off of false pretenses and they need to remove this from my credit immediately.
Complaint sub-issue: Didn't receive advertised or promotional terms

XXXX XXXX XXXX sent me an email promising 10 % rebate for purchases made at gas stations, restaurants and grocery stores during XXXX, 2020 as long as my purchases were between {$2000.00} and {$2500.00}. I made purchases of XXXX which included two {$420.00} purchases of gift cards at XXXX XXXX XXXX XXXX. Sears claims that these two purchases did not count, because they were made online and not at the restaurants, and that thus I did not reach the minimum {$2000.00} threshhold, so they denied any rebate. But the email offer I received said nothing about online purchases not qualifying. I frequently purchase these gift cards as gifts, etc. and have gotten the rebates before from Sears. The only difference this time was that the purchase was made online and not in the physical restaurant. There was nothing on the offer which excluded online -- it merely said " restaurant purchases '' which was what these were, and they had to be made online because due to Covid-19, the physical restaurants were temporarily closed. I exchanged messages with Sears and called also ( 25 min waits on two occasions ) and was promised a response the last time I called but Sears never returned promised call. Attached offer copy is not the XXXX period, but is substantially identical.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

XX/XX/2019 XX/XX/2019 XX/XX/2019 XXXX XXXX have been informed by me through phone and mail about theses inquires that's not authorize by me, I was told by XXXX XXXX that they will send the companies notice and they din ; t have to respond. 

I refuse to have items on my credit report that's not mines. 

XXXX XX/XX/2019
Complaint sub-issue: Received bad information about your loan

I was hoping to qualify for the PSLF. I have worked for the same qualifying employer for 13 years. This year, I made my 120th consecutive on-time payment this year ( the requirement for the program ). However, I just received the letter saying I still have seven more years to pay because I consolidated the loans in 2015 ( as I was advised ). After calling and talking to many customer service representatives, nothing can be done in my case ( other than pay for seven more years and then be reconsidered ). I did my part and paid my 120 on-time payments. I had no idea consolidation would affect this, or I never would have consolidated.
Complaint sub-issue: Investigation took more than 30 days

n Accordance with the fair credit reporting act XXXX XXXX account # XXXX XXXX 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
Complaint sub-issue: Problem with fees

I opened a Macy 's store credit card. In XX/XX/XXXX, XXXX XXXX took over the Macy 's credit card. SInce at least XX/XX/XXXX, a charge for a cash advance has appeared on my bill for {$550.00}. I never used a cash advance, in fact, the cash advance feature was never a part of my card features. The cash advance balance has grown to {$1100.00} to date. A rate of about 16.00 a month since the charge was first placed on my account, so a total of about {$1500.00} in interest since XX/XX/XXXX. 
This year, I really took note and took action. 
I repeatedly called Macy 's XXXX XXXX   customer service at XXXX. One agent confirmed I never had a cash advance feature, the other agents were of no help, I was on hold for 30-45 minutes, transferred and hung up on repeatedly trying to resolve my issue. On or about XX/XX/XXXX, I put in a dispute for the whole amount of {$1100.00} and Macy 's XXXX  claims to be investigating. I am XXXX   years old, I have XXXX XXXX and have to deal with this issue in between my XXXX treatments. I feel Macy 's is predatory and has not been a help. I want an investigation into the cash advance issue and a refund of all the cash advance amount and interest. 
I feel like Macy 's knows i am ill and is putting resolving this issue off and waiting for me to die.
Complaint sub-issue: Information belongs to someone else

I recently checked my credit report and noticed there were XXXX  loans on my report that I did not authorize. I have never applied for a XXXX loan before, and I have a total of {$33000.00} in loans from a company by the name of XXXX XXXX. I reached out to XXXX, XXXX, and Equifax via phone and certified letter on XX/XX/21 and XX/XX/21 to dispute this inaccurate information. I also reached out to the XXXX XXXX on XX/XX/21 and XX/XX/21 asking them to provide me with some form of debt validation. Today is XX/XX/21 and I have still heard no response from this company. All XXXX of the bureaus claim to have verified that I took out these loans, but this can not be true. I specifically asked each of the three bureaus to provide me with debt validation from the alleged creditor, and each company completely ignored my request and sent me a generic-like response to my dispute. It has been well over 30 days since Ive exercised my consumer right to ask for debt validation from this loan company, and the fact that they havent responded is unacceptable. Ive already called all three bureaus with this information, and they are still refusing to remove this information from my credit.
Complaint sub-issue: Reporting company used your report improperly

Credit report was obtained without permissible purpose that is required by FCRA section 604. 

XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

XXXX should be wipe off the reason they arent do well is because of fraud and cheat they do to me and tun of other customer. 
All the purchase I made I return them but for sum XXXX reason I still have balance on my account so I disputed the amount last month but XXXX still charge me late fee and madd my balance paddy due I had to waist my time on the phone numerous time go over the whole explanation and because their represanative put me on hold for so long and after I told them that u put me on hold for too long my phone will get disconnected represanative told me not to worry I will call u back but they never did call me back so today I was on the phone since XXXX XXXX right now is XXXX and I didnt get any result just waist of my time and energy explaining