davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-06-17
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (CA)

Chase changed the credit limit on the account ending in XXXX in XXXX XXXX after stating that this account ending in XXXX should have been deleted from my credit file during an investigation by the OCC in XX/XX/XXXX. Yet, this account, which is my original Chase account opened in XX/XX/XXXX is still being reported as open and active as it should be, but was hidden from me until XXXX XXXX when I called Chase as to why they reported XXXX accounts when I only had XXXX, Chase admitted they had mirrored my original account ending in XXXX and would send me a letter and an apology. Instead Chase told OCC they deleted the call and did not send that letter, but instead sent a letter dated XXXX XXXX, XXXX stating that the XXXX account was still reflecting on my credit file and they were requesting it to be deleted. Afterwords I monitored my Chase credit accounts very closely through XXXX. I was surprised that Chase had changed the credit limit on the account they requested to be deleted. I filed another complaint with cfpb and the result shows on my current XXXX credit report that Chase is reporting this account open and active. Chase did not report to XXXX and XXXX my account ending in XXXX in my credit report all these years. XXXX and XXXX have incomplete information with my Chase credit account history for account ending in XXXX. Chase mirrored my XXXX account in year XXXX, hid it in my credit report without issuing me a credit card ending in XXXX and saying that it was upgraded and did n't exist. But, this account does exist as Chase is still reporting it open and active in my XXXX XXXX, XXXX credit report. I paid Chase XXXX payments {$7500.00} XXXX because I did not want my credit to be ruined because of Chase 's error. .I am attaching the letter from Chase dated XXXX XXXX, XXXX credit report dated XXXX XXXX, XXXX credit report dated XXXX XXXX, and XXXX credit report dated XXXX XXXX. I would like my credit report to reflect my credit history which I have worked very hard to keep in good faith and good standing. Chase needs to explain why they changed the credit limit on the XXXX account AFTER they requested it to be deleted from XXXX as stated in their letter.. Chase needs to explain why they did not report my credit card ending in XXXX to XXXX and XXXX, alll these years especially since they are reporting it active and open since XXXX with a long good standing history to XXXX. Chase needs to explain why they accepted all the payments I made to them on an account that was mirrored from my original XXXX account and not a real balance.
Consumer complaint received 2015-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

In XXXX, I was hit with a massive Identity Theft. Someone put aXXXX dollar home on my credit - then the person changed myaddress to theirs and thus received all my identity and preapproved credit offers. I filed a police report with XXXX CountySheriff office and they sent me to the District Attorney in XXXX County - The DA stated this is just the tip of theiceberg - it happened just when the housing marking wasslowly collapsing and I really got hit. 
I immediately notified XXXX, Equifax, and XXXX.I placed a fraud alert on my credit bureaus and it took mea full year on the phone with DA and Police to clear my nameand prove I was who I said I was. I sent Identity Theft infoto all the accounts - seems they opened several accountsthru mail - most of the people were nice, but not XXXX, XXXX and XXXX - I told XXXX it was an identity theft -they told me they did not believe me, even with legal notice -they also said they would put a lien on me unless I paid the {$5000.00}. Sure enough, XXXX placed a lien on me - andmy credit plummeted. I called XXXX and asked them whenmy court date was and explained I wanted to speak to theJudge to explain my circumstances and clear the lien -XXXX did not respond - in the meantime I notified allthree credit reporting agencies again - sent written letterscalled and nothing happened. I believe it is because itwas right at the time the XXXX collapsed and theywere overwhelmed. 
In any event, every one of the late accounts and lienare still on my credit reports - I called the SuperiorCourt House to try and get the liens removed, theytold me to go back to XXXX and XXXX - of course noresponse. I was denied a new lease with XXXX XXXXbecause of my credit and I am presently paying 19 % ona car loan x XXXX yrs - I am trying to get a fixed Mortgagefrom XXXX and I can not even get information due tomy Credit History. Most of the Deliquency accountsare at least XXXX years old - I have faxed, called, got mad at all agencies but no one cares. 
I just want my stellar credit back - my car ins. back to normal ourates, my car pmt back to normal interest and my Mortgageback to a fixed rate. 
Can you give me some suggestions? 
I have all paperwork and faxes but I am not too gooduploading. I can send in mail if needed. 

Thank you for your helpI
Consumer complaint received 2016-03-29
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Nelnet, Inc. (FL)

TO WHOM IT MAY CONCERN, I AM CONTACTING YOU REGARDING A COMPLAINT I WANT TO MAKE REGARDING MY STUDENT LOAN PROVIDER. I AM AT A LOST FOR WORDS RIGHT NOW SINCE I WONT BE ABLE TO EVEN PAY MY RENT FOR MY CHILD AND ME TO LIVE WHERE WE LIVE NO LONGER SINCE I JUST MADE A {$210.00} PAYMENT TO SHOW NELNET MY INTENT TO PAY WHICH WAS MONEY NEEDED TO PAY FOR MY RENT ON FRIDAY. I HAVE BEEN DEALT A HAND THAT I CAN NOT CONTROL MOST RECENTLY WITH THE LOST OF MY MOTHER WHICH BILLS STILL HAVE TO BE PAID THAT I AM PAYING STILL. I HAVE ATTEMPTED TO WORK WITH NELNET. I SENT RECENTLY OVER THE LAST FEW WEEKS DOCUMENTATION THAT MY JOB WAS SENDING ME TO THE XXXX CLASS AT XXXX XXXX UNIVERSITY XXXX. MY JOB SENT US AN OFFICIAL LETTER WHICH I SENT TO NELNET SINCE I NEED THE DEFERMENT WHICH WILL ALLOW ME TO GET BACK ON MY FEET. THEY HAVE NOT PROCESSED MY REQUEST AND HAVE NOT AT ANY TIME REACHED OUT TO ME VIA MAIL SINCE I HAVE NO OTHER FORMS OF COMMUNICATION. THEY HARASSED ME SO BAD SEVERAL YEARS AGO AT MY JOB THAT I ALMOST GOT FIRED. FOR THE LAST 2 MONTHS I HAVE MADE 2 PAYMENTS IN THE AMOUNT OF {$210.00} WHICH HAS PLACED ME IN A SITUATION TO NOT BE ABLE TO PAY MY RENT SINCE NELNET HAS NOT COMMUNICATED WITH ME AT ALL VIA MAIL AS REQUESTED OF THE LAST FEW YEARS. I AM TRYING TO GET THEM TO APPROVE MY DEFERMENT SO I CAN HAVE SOME HOPE OF MOVING FORWARD BUT THIS HAS NOT OCCURRED. AT THIS POINT, MY FAMILY FRIEND HAS DECIDED TO REPRESENT ME IF NEEDED WITH A COURT CASE SINCE NELNET HAS IGNORED ME EVEN AFTER I SENT OVER XXXX EMAILS TO THEM OVER THE LAST FEW DAYS. I GOT XXXX EMAIL FROM STAFF INDICATING THEY HAD TALKED TO ME WHEN I HAVE NO CELL PHONE FOR THEM TO CALL ME. I USE A FRIEND 'S CELL WHEN NEEDED 1 TIME PER WEEK. I HAVE ALSO ADVISED NELNET THAT MY PAYMENT LIMITATION IS {$150.00} NO MORE THAN {$160.00} ONCE MY DEFERMENT FOR THE 2 YEARS I WILL BE TAKING CLASSES FOR THE XXXX COURSE AT XXXX. I HAVE ASKED FOR NELNET TO HELP ME, HELP ME HOWEVER NO RESPONSE BUT XXXX EMAIL. THIS IS MY FINAL PLEA VIA A COMPLAINT TO THE CFPB AND XXXX REGARDING MY DETAILED HISTORY OF ISSUES WITH NEEDING HELP FROM NELNET. I NEED AND YOU WOULD THINK NELNET WOULD GIVE ME DETAILS SINCE I WORK FOR THE STATE OF FLORIDA OVER 17 YEARS INFORMATION REGARDING THE FORGIVENESS PROGRAM FOR STATE EMPLOYEES. IAM VERY UPSET ABOUT THIS ISSUE.
Consumer complaint received 2017-01-28
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (FL)

I try to upload documents for my dispute and I get the error : We were unable to upload the below document ( s ) successfully. 
Experian has released my credit report excessively and without my authorization. These are all fraudulent inquiries. 
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 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 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 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 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 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, 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 XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/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 XXXX XXXX, XXXX XXXX I am supplying you with all the documents they asked me for yet would n't accept.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

My student loan servicer is Navient. I have inquired with them on two occasions about the possibility of lowering my interest rate ( it 's 8 % ) or lowering my payments/canceling my loans. I have been consistently paying $ XXXX/month and getting now where. I still have $ XXXX in outstanding debt. Due to my divorce, I have come into a lump sum of money that I would like to use to pay off my debt, but it 's only about 75 % of what I owe. Navient will not discuss terms, options or anything else of the sort. The customer service reps will not elevate my calls to management to see if we can discuss further or find options/solutions. They are a total roadblock. I 'm XXXX yrs old and do n't want to be XXXX still paying off loans, which is what it will be if I ca n't get a resolution or change in plan.
Consumer complaint received 2017-02-09
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/XXXX, i called Chase bank ( XXXX card ) to see if they 'd lower my interest rate from XXXX % to something reasonable so I could pay it off. The account was already closed due to default. I told them I was having trouble paying the balance off and I was in jeopardy of losing my job. They refused to do anything. Fast forward to XX/XX/XXXX, I 've now lost my job and I paid off my balance in full ( I went online to Chase and it said my balance was {$10000.00} ). Today, I went online to Chase, and I see an interest fee of {$160.00} posted on XX/XX/XXXX. I called Chase, spoke with a woman named XXXX ( I believe I heard that name ), and told her that is n't right ... I paid my balance in full, I should n't get another fee, billed a week after I paid off my balance. She said its correct, she refused to waive it, and I 'm not inclined to pay it. I 'd understand if I paid after the statement closing date but that was n't the case. I paid the statement balance prior to the closing date. 

Frankly, I 'm mad and I feel that this is the treatment women get. This is n't right, it 's bad business, I paid them a lot of money, a lot of fees, and they should eat their phony interest fee. 

Am I wrong? Is there anything you can do to help me? I am so tired of feeling taken advantage of. 

Thank you. 

Sincerely, XXXX
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (AZ)

Hello. I just read that Naviet has been hit with a law suit filed by you, the Consumer Protection Bureau for many, many objectionable practices. I currently have a loan with Naviet, which originated with XXXX. The loan was originated in XX/XX/XXXX and it was a consolidation of my student loans and my then husband 's student loans. 2 years later we divorced. XXXX/Navient have refused to release us from the consolidated loan and to create individual loans based on what the courts approved in our decree. I have made this request repeatedly to XXXX and Navient to no avail. I have worked for the XXXX for almost 29 years. I applied for the service worker loan forgiveness program but was told that our particular loan " does not qualify ''. No reason was given. I have taken my ex-husband to court to enforce the decree because he continually refuses to make payments. This has not helped either. The original loan amount was {$48000.00} and we currently owe {$30000.00}!!! How can that be after 21 years of payments?! During the course of my education I was issued other student loans and all of those loans have been paid in full -- YEARS ago! I am seeking help in getting released from the portion of the loan that I am not responsible for -- 65 % plus late fees and additional incurred interest from the lack of payment from my ex-husband. I believe that Navient/XXXX have refused to reissue the loan to us independently because they are making so much money off of the loan as is because of my ex-husband 's lack of ability and/or willingness to pay. If the loans were separated I would pay my portion off completely which would reduce their income because they would be unable to continue to charge me interest and related fees. I 'm willing to pay what I owe but I would like what is stated in my divorce decree to be what is reflected in a new loan agreement. I have been asking for this since my divorce was final in XX/XX/XXXX. Is there anything you can do to help as I try to navigate and correct this issue? Thank you in advance for any help that you can provide!
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

Hello I had private student loans through XXXX/navient back in XX/XX/XXXX which were all paid off. In XX/XX/XXXX I was contacted saying that my four year private loan payment came due and I would have to pay over XXXX dollars when i am still in school for my XXXX. First I explained these were paid for and if they were only for four years why was I notified 8-9 years later. They did n't have an answer and refused to get to the bottom of this issue saying regardless I had to pay my loan that now had 9 years of interest. Navient never notified me I still had a loan with them from XXXX and wanted me to repay money I did not have. When i confronted them about this they said there was nothing they could do and oh well sorry about your luck. First off I already have one set of documentation saying one of the alleged loans were paid so basically they are trying to make me pay the same loan twice and then gave no sympathy I was still in school and could not afford the payment only stating oh well i guess your credit will suffer. In addition as stated even if some of these loans are possibly open they waited 8 years on a four year loan allowing years of interest to compile until they informed me
Consumer complaint received 2017-02-05
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (VA)

Navient refused to negotiate a lower monthly payment with my daughter, XXXX. 
I am the cosigner on this loan. Navient 's reply stated that I made too much money for them to lower her student loan payment. I am a XXXX nearing retirement. I am current on all MY Navient parent loans.
Consumer complaint received 2015-08-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BC SERVICES, INC. (SD)

XXXX committed fraud and created overdrafts by hiding true balances and re ordering transactions -- - and was sued and they lost -- - court order states these debts created by the fraud not supposed to exist -- - after years of fighting credit bureau of XXXX now this XXXX thing is now from bc services -- - origionally did give credit bureau of XXXX the court order but they still continued now sold it knowing court says debt not exist and this is past statute of limitations and letter has nothing about the past limitations and starts off as return top part with payment on it making people think it just now created and owe no matter what -- - these collection agencies never give up even knowing court says debt not allowed to exist -- - account XXXX
Consumer complaint received 2022-02-28
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio (TX)

Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by XXXX XXXX on XX/XX/2022 and I have no recollection of doing any business with XXXX XXXX. I am in the process of contacting XXXX XXXX but no phone number is on the credit inquiry. I would like a detail report of who this company is and why the company chose to file on my credit report before calling me or sending me some type of notification regarding this negative reporting. 

The XXXX XXXX did finally respond to my complaint and they had a different number than what is being reported on my credit report. 

When I contacted them they said they do not have it and some come other company does and I have no clue as to who they are either and the problem is the numbers do not match and that it needs to be fixed. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter
Consumer complaint received 2022-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Hello, My name is XXXX XXXX. I am contacting you to delete the following information from my file. These accounts are not mine. The accounts and items that I need deleted are listed in the report. I am just devastated. I did not make any of these charges. I have been a victim of identity theft. I ask that the items be deleted to correct my credit report. The theft has been reported to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the fair credit reporting act the following accounts 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 602 A 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 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
Consumer complaint received 2017-02-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (NJ)

Seterus is reporting late payments on my credit report that are not accurate. They are listing me as being 120 days late from XX/XX/XXXX until XXXX and then 180 late from XX/XX/XXXX until XX/XX/XXXX. 

This is damaging my credit score and by no means accurate. I have disputed this in the past and my dispute was ignored.
Consumer complaint received 2017-02-10
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: U.S. BANCORP (TX)

MY EX HUSBAND XXXX SENT MEN OF HIS OWN ON XXXX TO XXXX TO XXXX FOR CONTINUED DEBT AFTER MINE WAS FORGIVN BY THE MERGER OF AIRLINES AND OTEHR COMPANIES AND STARTED ANOTHER DEBT ON ME FO CLOTHING AND OTHER TO XXXX THREATEN ME ABOUT ILLEGAL COURT FORCED TO FILE AGAINST FTC ORDERS COURT DECREES OF THEIR ACTIONS I NEED HELP ASSISTANCE WITH THIS MATTER MAY I SEE AN ATTY AT FTC I NEED AN APPT PLS EMAIL ME AT XXXX AS MY LITIGATION AND LEGAL RIGHTS AND MY CREDIT HAS BEEN HARMED SINCE XXXX WHEN I STARTED SEEING INTO THIS ILLEGAL OIL LITIG SET UP OF OLD BAD XXXX AND XXXX CRIMINAL XXXX AREA FILES OF THEIR OLD CREDIT CARD XXXX CRIMES AND DEBT ILLEGAL MAKING ON ME AS THEY PROMISED NOT ABEY OF FTC AND FEDERAL COURTS OF XXXX WHICH I SAW IN XXXX AND XXXX ATTYS WILL NOT STOP EITHER AS THEY OWN THEIR OWN LEGAL CORPORATION ON XXXX IN THIS MATTER
I NEED ASSISTANCE IN RESTOERING ANDD FORGIVENESS OF CAUSED ACTION IN DEBT
THEY VIOLATE 15 USC 1601 STATUES CODES EVERY DAY TO ME AND INSIST ON SUCH TELLING ME DO NOT PAY MY DEBTS AS THEIY WILL TAKE CARE OF IT IN XXXX R XXXX OR XXXX DEBT MAKING COMPANIES OF CLOTHING AND XXXX OF THIS MATTER THEY HAVE BEENTOLD BEFORE AND DO NOT QUIT A XXXX COURT FEDERAL OF DEBT COLLECTION COURT DECREE I SNSET YOUR AGENCY A FEW YEARS AGO
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (GA)

A XXXX XXXX dollar loan was acquired on approximately XX/XX/2022 using my personal or business information without my acknowledgment or consent. The company that issued this loan is XXXX XXXX. I am taking a legal stance against this as well as disputing this fraudulent loan with the credit bureaus. This company is now making an attempt to freeze my business and personal accounts. Without proof of acceptance of any financial transactions on my end.
Consumer complaint received 2017-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

Citi bank ha s been discriminating against me for several years now. I recently applied for a citi business advantage platinum card with my outstanding   XXXX    credit score.  However,  Citi bank  DENIED my application based on the fact that there were credit cards from almost  TEN YEARS  ago that had disputes on them. After 10 years, citi bank is treating me horrible and will not open a new card in my name.   I would like to see there " policy '' that says this goes on for 10 years.   XXXX   XXXX   has a ba reputation already, rated  one of the worst credit cards for how they treat people, now I see why.    As you can see they are being very unwilling to work with me and those disputes from 10 years ago were fraud. so they re basically discriminating against me for me being a victim of fraud. if this continues a class action is going to be filed.