Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Company closed your account

Citibank all in one day notified me for the first and only time of a return payment, requested a replacement payment which ( I paid the same day I was notified, ) and closed my account without notifying me all in the same day. The only reason why I know my account was closed as I tried to make a transaction and the transaction was denied. I later received a letter XXXX days advising me that my account had been closed. The said return payment was also XXXX to XXXX  days from when it had been returned. I find it very distressing but they put priority in closing your account with zero notice not even an email, yeah they take their sweet time notifying you that there's a problem or giving you an opportunity to fix it and even when you do they still close your account without even notifying you. 

I also find their outsourced customer service centers in the XXXX and XXXX to be less than helpful and even within the XXXX XXXX they transfer you back-and-forth and give you no resolution. I think they're hoping the customers will just give up. 

As of this date they are actually zero return payments if you take in consideration the replacement payment they asked for as soon as they got it and I continue to pay more than the required on a closed account but I can not longer access. And now I have severe damage to my credit report because it shows an account closed.
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 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 - 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 if of information, Other than the record of conviction of crimes which antedates the report by more than 7 years - 15 U.S.C 1681-2 ( A ) ( 1 ) A person shal not furnish any information relating to consumer to any consumer reporting agency if the knows or has reasonable cause to believe that information is in accurate Equifax XXXX XXXX and XXXX Call 3 reporting agencies falsely reported on my credit report they reported an an accurate balance on a repossessed vehicle not including the price that they auctioned off the vehicle for resulting in my credit report showing false numbers my debt owed I have proof from the lender that the balance is in accurate on my credit report which I will include in my complaint On the XXXX XXXX letterhead page it clearly shows my remaining balance is XXXX meanwhile all three credit bureaus are reporting my current balance as XXXX Also this account name is in proper this account name should be listed as a credit sales agreement due to the fact that the dealership did not give me a loan directly they sold it then the highest bidder approve me of the loan Also the original balance is clearly XXXX When all three credit bureaus or falsely reporting it as XXXX
Complaint sub-issue: Information belongs to someone else

I recently went to check out a new car at XXXX. After carefull consideration I was decided to apply for a loan for this car. I was declined for a good rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. I have reached out to the FTC and to my local police department. I am doing this all on my own, and these items need to be deleted from my credit report. Chapter XXXX Bankruptcy, XXXXXXXX XXXX. XXXX/XXXX. XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX. inquiries : XXXX, XXXX XXXX. XXXX
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Ive spoken to several representatives at Equifax concerning the problem of them not receiving any documentation that I have clearly submitted! I have mailed in documentation that was mailed via certified mail and I have also faxed in all necessary documents requested by Equifax to fax number XXXX. Ive spoken to agent XXXX in the XXXX XXXX Care Fraud Department and his supervisor XXXX employee number XXXX  on Wednesday XX/XX/21. XXXX instructed me to yet again wait until Friday XX/XX/21 for the documentation that was faxed in on XX/XX/21 to be uploaded. The US postal service gave me confirmation that my dispute letters and supporting documentation was received by someone at Equifax on XX/XX/21. I also called in today on XX/XX/21 to follow up again and I was told that they havent received any documentation from me since XX/XX/21! Thats ridiculous! I have inquiries on my consumer report that I have instructed Equifax to remove and they refuse to follow the FCRA! They are clearly violating my consumer rights! The agent that I spoke to today has stated that she filed a complaint on the mail department because they arent doing their job by not uploading my documents, and the complaint number is XXXX, and she also filed a dispute to remove the unauthorized inquiries listed in my FTC report. The Dispute confirmation number is XXXX. Equifax has refused to upload my dispute letter which has supporting documentation to remove the unlawful late payments being reported on my XXXX accounts. This under the FCRA is defined as willful negligence and violates 15 usc 1681n.
Complaint sub-issue: Debt was paid

There was an issue with amounts owed to the bank and communication - Once there was a communication I paid off the debt. This company wont listen and they wont stop calling.
Complaint sub-issue: Information belongs to someone else

I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX  XXXX, XXXX  and Equifax are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact these bureaus about their illegal behavior and have then comply with federal law and respect the rights of Identity Theft victims, such as myself.
Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX XXXX Account # XXXX This account does not belong to me. I do not have a contract with this company. This is inaccurate.
Complaint sub-issue: Reporting company used your report improperly

Equifax, XXXX  and XXXX are all in violation of my consumer rights. See the attached.
Complaint sub-issue: Their investigation did not fix an error on your report

I have been a victim of identity theft submitted multiple requests to have fraudulent accounts removed from my credit report have submitted identity theft report from ftc listing fraudulent accounts as well as a police report and they still refuse to delete and block the accounts from my report I have provided all that's required by law to have them removed and they still won't remove them I don't know what else to do
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX and # 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

I have been in the process of cleaning up my credit- or trying to. I have several issues. 
I had sent several goodwill letters recently. Trying to simply get negative accounts removed from several years ago when I declared bankruptcy. However, every single creditor I sent these too has then entered them as disputes. I am not disputing anything! I even plainly state that in my letters. 
Creditors that have done this so far- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My understanding was that unless we specifically file a dispute then- it isnt a dispute. 

Second issue- new collection- I verbally told them I dispute it. I want an accounting. I never received any sort of mail correspondence at all. They updated an old collection on my credit report with this new information. Then as if that wasnt bad enough- I sent via certified letter- a debt validation which has been completely ignored. 
What next? 

I feel like we have all these laws that are supposed to protect consumers but they arent taken seriously. After all, why should they be? If you dispute something they just electronically verify the exact same erroneous information. Once you have errors on your credit report it is a nightmare. You never seem to get them resolved or removed and it seriously can ruin your life. You cant get credit or not affordable credit. And you never get out of that pattern because on down the road future creditors see that you had to go through sub prime lenders and they dont like that either. Meanwhile the only people that get hurt are the people this is supposed to protect.
Complaint sub-issue: Other problem getting your report or credit score

I am currently in the process of obtaining a mortgage. I signed a contract and put XXXX XXXX down on the house. I have a deadline and I am endangered of losing our deposit. When the mortgage ran the three credit reports they received reports back from XXXX  and XXXX  but not Equifax. The report was not completed because it had a " Beacon Hold ''. I called Equifax and they made me provide them with ID Verification which I faxed to them. I called them back two days later and they stated that I should be able to run the credit report with no problem.They stated that there were no blocks or holds on my account. So I paid to run the report again and the mortgage company got the same message. I called Equifax again and they stated that I needed to sent them another ID Verification after the agent refused to give me access to my account. I asked to speak with the supervisor who then provided access. The supervisor stated that there were no problems and to have our mortgage company contact them directly. The mortgage company contacted them the next day but was not allowed access because Equifax did not have my correct birthday. I called Equifax again and had to speak with a supervisor again because the agents would not give me access to my account. They resolved the situation and the mortgage company ran my credit again and the " Beacon Hold '' came up again. I called Equifax again and I had to be transferred to a supervisor for access to my account. The supervisor stated that it was the third party company XXXX XXXX XXXX that was holding the process up. I called XXXX XXXX XXXX with my mortgage counselor and they instructed that I call XXXX because they are the ones responsible for credit scores. XXXX informed me that Equifax probably does not have any credit history and instructed that I call them and make sure that was not the problem or ask to have my credit reports merged. When I called Equifax I had to speak with a supervisor again because the agent could not verify my identification. The supervisor stated that I had no credit history and to call my creditors. 

I called XXXX XXXX with whom I have my credit cards and an auto loan. XXXX XXXX stated that they have been sending my credit history to Equifax since 2014. I called Equifax back and they stated that they have no record of XXXX XXXX and to call them back and make sure they are sending it to the correct person because my dad and I have the same name. I called XXXX XXXX back and they stated they have the correct information and have been sending it to all three credit agencies. We have been going back and forth with Equifax for the last 10 days and may lose our down payment and home because of their negligence. 
I need Equifax to allow my mortgage company to pull my credit report with my credit history and provide my credit score as soon as possible so I do not lose my deposit on the home I want to purchase before the deadline.
Complaint sub-issue: Problem with fees

XX/XX/2019 statement never received. Charged {$27.00} late fee for missed payment. {$7.00} interest. 20+ year payment history of paying account in full on each statement. Not registered for any form of electronic-only invoicing.
Complaint sub-issue: Their investigation did not fix an error on your report

I received a notification from XXXX, Equifax, and XXXX notifying me that an update had occurred on my credit report. After logging in and checking the update I was alerted that my credit score had drastically dropped and 8 of my XXXX XXXX XXXX Accounts had been updated to show late payments as of XX/XX/XXXX. I contacted each bureau and was told by each one basically the same thing that the creditor reported the update. I then proceeded to contact the creditor, XXXX XXXX XXXX, I spoke with a CS agent by the name of XXXX on XX/XX/XXXX at XXXX. After verification of all my personal information I informed XXXX that according to all 3 credit bureaus my account had been reported as of XX/XX/XXXX as a late payment and it was negatively affecting my credit which i was working to restore. XXXX then informed me that according to my account they had NOT updated this information with the credit bureaus and because my accounts were included in my bankruptcy they could NOT update ANY information on my accounts with the credit bureaus. I asked her could i have this in writing since the bureaus were giving me the run around about it and she informed me that just as they could not give ANY information to the credit bureaus they could also NOT provide me with anything in writing. She said they could only send a letter to the attorney that handled my bankruptcy case. I informed all 3 credit bureaus of this and they still REFUSE to accurately update my account so this negative impact will be removed from credit reports.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected and included the executives selling their stocks in their company after they found out but before the public. I received no email, letter, or phone call and instead had to discover it via social media.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Discover credit card did a hard credit check, without consent. I have there card, if there going to check. My current score it should be a short credit check. 
thank you
Complaint sub-issue: Debt was paid

I was initially notified of AFNI, Inc., had placed collections on my credit report via credit monitoring. On XX/XX/XXXX, I contacted AFNI, Inc., to discuss and the collection notice and they asked if I had documentation to dispute what XXXX XXXX XXXX XXXX submitted. I provided this information via email and received a response they would investigate and respond in writing. I also contacted the credit bureaus to dispute the debt. <P/>On XX/XX/XXXX, I received a letter from AFNI , Inc., dated XX/XX/XXXX for a collection notice. On XX/XX/XXXX, I contacted AFNI, Inc., as to the purpose, since Id provided them documentation XX/XX/XXXX via email, and the response was that they have 45 days to investigate and are currently awaiting XXXX XXXX XXXX XXXX decision. They also indicated they would do a courtesy deletion until the investigation is over. <P/>I am providing documentation to support my assertion and would appreciate resolution with this matter. XXXX XXXX XXXX XXXX should not be able to continuously try to collect on a debt that was settled in XX/XX/XXXX. I cancelled my phone service in early XX/XX/XXXX, and the bill was {$520.00}. I was billed an additional month at {$190.00}, this bought the amount to {$720.00}. I didnt understand why I was billed an additional month that I didnt have service. I could not afford this payment and an arrangement was not made available. <P/>Complaint against AFNI , Inc., a third party collection agency that has filed false claims with the credit bureaus and not properly notifying me of collection notice prior to reporting to credit bureaus.
Complaint sub-issue: Lender trying to repossess or disable the vehicle

XX/XX/2019, I helped the girlfriend ( XXXX XXXX ) of my stepson, buy a car using MY CREDIT, she was co-signer to get her name on loan, financed through Ally Financial. 
All was proceeding as planned until XX/XX/2019, talking with my banker, he asked why my credit score had dropped. I looked into this, found out that Ally Financial was attempting to repo the car for non payment. Ally Financial had all my credit info, home address, phone #, email, but nobody ever tried to contact me for payment or anything. After I found this out, I personally paid the past due amount to get the loan current. Ally Financial ruined my Credit, dropped from XXXX to low XXXX because of this. After arguing with Ally Financial, they said they were only allowed by law to remove 1 month negative from my credit. My score is still only at XXXX with XXXX, I am in need of loan, because of this Pandemic and Ally Fin won't do anything to help me get my score back up. I think it's outrageous that someone can ruin your credit without their Collections Dept doing they're job and reaching out to me when payment was late the 1st month or anytime after that. Ally Fin collections said they tried to reach me, last 4 digits of phone was XXXX, should have been RED FLAG, bogus number.. Last 4 digits of my phone is XXXX 
Vehicle was wrecked, totaled and loan has been paid off in XXXX. 
Any help you can provide would be appreciated.
Complaint sub-issue: Account information incorrect

Equifax does not report accurately. Its the only credit reporting agency reporting numerous inaccuracies with my credit. Also they dont even update or report accurate last time that reported was XX/XX/2021 it is XX/XX/2021! They have a repo from XXXX wasnt mine everyone else deleted but them. They have not update all my cards and XXXX balances. They have inquiries in my account I have sent letters asking to remove or provide me proof they havent. I have only received 1 generic letter from them out of the 5 I have sent. They are reporting 2 address that arent even mine nor not even on my other reports! They need to be held accountable. 
This is my final ask for help and I am taking it to court. I have rights and they are in violation!
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Complaint sub-issue: Didn't receive terms that were advertised

Opened a/c XXXX/XXXX/20. On XX/XX//20, completed payroll direct deposit reqt. of XXXX {$500.00} within 60 days to qualify for {$200.00} bonus. Bonus should have been awarded 90 days later ( XXXX/XXXX/20 ). I've called twice & both times was told yes, bonus would be credited with 2-3 business days but have yet to receive it. Bonus code was XXXX.
Complaint sub-issue: Account information incorrect

I have an account with Equifax which I pay for monthly. I check my credit report every day and for the last 2 months Ive noticed my credit card balances and the dates they report my balance are incorrect on my credit report. I disputed this with Equifax for 2 months and still I dont see a change. I started the disputes XX/XX/2018. My car loan is reported as closed and its not closed Im still paying on my car loan.
Complaint sub-issue: Account status incorrect

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.