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

I logged on to one of my Citi/AAdvantage accounts to make a payment and discovered that the account, with no notice or explanation, had been closed. I logged on to my other Citi/AAdvantage account and discovered the same thing had occurred. 

I talked to three separate customer service representatives, not one of whom had any idea why my accounts had been closed. 

In the meantime, I received letters from Citibank after the fact that my accounts had been closed because I had one or more late or returned payments. 

I made an online appointment with a Citibank representative, who called the credit card division, and was told that I had a few payments that had been returned. None of those payments resulted in a late fee, as the minimum amount due each month had not only been met but also surpassed. The representative with whom I spoke said she had never heard of such a thing as an account being closed because of returned payments, especially those that were in excess of the monthly amount due. 

She filed a request for a review of my accounts, and I was notified two days later that the accounts could not be reopened because I had one or more late or returned payments. The reason there were returned payments in the first place was because on those few occasions they were not showing up on my available credit and I chose to make the payments to another card where they did show up immediately and thus allow me to earn points. 

First, I have not had one late payment on either account since opening them. Second, the returned payments were not due for payment at the time. Third, the Late Payment Warning on my statements is that if minimum payment is not received by the due date that I might incur a late fee and my APR may be increased. Nowhere does it state anything about returned payments that do not constitute minimum payments. Finally, I did not get so much as a letter of warning or explanation, in which case I would have not had the payments returned. 

I see no reason, given my history of prompt payments on my accounts, that Citibank could not have simply reopened my accounts ; instead it has caused great damage to my credit score. I request Citibank reopen my accounts so I can continue to be a valued customer. 

Thank you.
Complaint sub-issue: Debt was paid

Discover Bank is willfully, knowingly and illegally trying to double collect money from me by reporting a debt that they told the Internal Revenue Service ( IRS ) that they took a loss on in XXXX and reduced their tax payment liability and " issued a XXXX debt cancellation form against my name to be paid via my income taxes '' while they are still trying to collect and knowingly and willingly monthly reporting to XXXX, XXXX, and XXXX credit reporting agencies trying to collect this debt while the credit bureaus XXXX, XXXX and XXXX are knowingly and recklessly causing economic, physical and mental harm by dragging down my name and XXXX score for over 40 months 1200 days. 

It is illegal and fraudulent for any company to knowingly and willingly tell the IRS that they took a financial loss and cancelled a debt to reduce their income tax liability then turn around and still try to " double dip '' on the consumer by intentionally and falsely seeking to collect/benefit twice on same such debt. They issued a XXXX for the consumer to pay, reduce their tax liability by said amount, yet they are knowingly and willingly reporting and trying to collect this same amount every month as recently as XX/XX/XXXX despite me disputing and writing all parties several times a year. This is illegal and egregious, malicious behavior that has caused reprehensible and irreversible and substantial harm to my credit, XXXX, name and finances. I attempt several times a year to resolve this issue with Discover Bank, XXXX, XXXX and XXXX to no avail including most recently in XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX. Discover, XXXX, XXXX and XXXX all respond with dispute resolved consumer disagrees ; without actually investigating ; further causing me harm day by day. I even recently in XX/XX/XXXX wrote XXXX, XXXX and XXXX using the CFPB platform and again uploaded the IRS proof and again they responded with a reckless response and closed out the complaint. 

Discover is intentionally and purposefully still reporting monthly to the 3 credit bureaus against my name and XXXX causing me further harm day by day ; while fully knowing that they told the IRS that they took a loss and this debt was cancelled. This is illegal and purposeful. 

The Credit bureaus are also recklessly and willfully complicit by refusing to investigate, look at the paperwork provided and IRS records of company canceled the debt and Failed to investigate fraudulent, outdated errors reporting on my credit report as required by FCRA and CFPB consumer laws Discover Bank XXXX Furthermore such collections are against Federal and the State laws of California and you have violated my rights. IRS proof attached.
Complaint sub-issue: Account status incorrect

The negative reporting on my account involves XXXX XXXX XXXX XXXX and a Collection Agency XXXX which continue to report inaccurate information to all three repositories. Furthermore, they have all received letters of disputes, however, continue to report these inaccuracies to all three credit bureaus. 

The car purchased was paid in full with the terms of the contract, in addition, a overage was paid to the dealership. I was tricked by the dealership who then sold the car again and then demanded a bogus amount above and beyond the contract : See attached.
Complaint sub-issue: Account status incorrect

Currently on all XXXX and Equifax my car loan is saying account is closed. I`m currently paying on my loan every month and I have the car in my possession. I have been trying for 4 months to fix this problem, Its hurting my credit. I have alerts sent to my phone saying that I missed a payment when I really don't.
Complaint sub-issue: Information belongs to someone else

I was advised to contact you all regarding two items on my credit that is not mine XXXX XXXX  and XXXX. I reached out the my local police department and the FTC. I really need help to get these items off my credit report.
Complaint sub-issue: Deposits and withdrawals

I have been a citibank Gold Card customer for many years. I now ( since XX/XX/XXXX) live in the XXXX. I should have over $ XXXX between my Checking and Savings accts at Citi , plus two credit cards : Master Card, and Simplicity Card. Credits cards were used mostly for domestic and international travel, and providing the annual renewal fee for the XXXX XXXX for my office and home computers. I am XXXX years old. All my credit card charges were always paid in full within 30 days of billing. 
About XX/XX/XXXX, I was advised by XXXX that they were not able to automatically renew my protection due to " both credit cards being cancelled. I went on line to my " Accounts Page '' and via CHAT Service, was told that : " I ( the chat guy ) will sent you a secret password '' to your USA cell phone number, then you can repeat that secret word back to me, and I can then help you ". I told him that I did not have a USA cell phone number. He said too bad, can't help you. He told me to call a 14 digit phone number. I call there after getting a Long Distance Cell Phone Card Load and was transferred back and forth between two people who would each spent several minutes verifying me, until my load ran out and I was disconnected. 
Today, I again got another special load card and called that number. Again I was transferred without getting any help and was finally told '' cards are cancelled, can not help you. 
I think my money may have stolen. Access to all my accts has been blocked, and I do not have money for food, rent, etc etc. Please help.
Complaint sub-issue: Their investigation did not fix an error on your report

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX Date Opened : XX/XX/04 XXXX  : {$0.00}
Complaint sub-issue: Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that was on file of the various accounts. 

Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.Under federal law, you have ( 30 ) days to complete your re-investigation. 

On XX/XX/2020, I wrote to you requesting an investigation into items that I believed were not verified. To date, I have not received a reply from you or any acknowledgment that an investigation has begun.
Complaint sub-issue: Their investigation did not fix an error on your report

I co-signed a student loan for my daughter. She went back to school and applied for deferment and forbearance. ( which was granted ) I assumed all was taken care of. The company sent a letter to me showing a late payment due in the amount of XXXX that was 17 days late XX/XX/2020. Upon receiving the letter I immediately paid XXXX that was taken from my account on XXXX XX/XX/2020. Even though I was laid off work due to Covaid-19, I still took care of this to retain my credit score. I have never been late on a bill. I called the company and was told that I was late over 30 days XXXX ( math doesn't add up ) and that they don`t even need to notify ( by law ) that money is owed. I have tried to protest through the credit bureaus and I get the same response that the XX/XX/2020 late stays on my report. This dropped my score over 90 points. I have the letter they sent me and the proof of payment sent.
Complaint sub-issue: Account information incorrect

I disputed this account due to inaccurate information reported. They investigated and stated that the information was accurate. Both XXXX and Equifax are reporting different information. It is my understanding that the bureaus are supposed to mirror each other when the account is listed on both. XXXX is showing a high balance of {$1200.00} and XXXX is showing a high balance of {$930.00}. Further more TU is showing XXXX as XX/XX/XXXX and XXXX as XX/XX/XXXX. They both are also showing a past due amount on a collection/ charge off account.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Pulled my credit and seen a hard inquiry from a company I do n't know what it is and I never got nothing from them.
Complaint sub-issue: Trouble with how payments are being handled

I have twelve different loans with  Sallie Mae . I had called two days ago,   XXXX    , to try to consolidate my loans and they told me they were unable to consolidate any of them. They then tried to convince me to be a part of their  Graduate Repayment Program  which allows me to make interest-only payments for the first year. While this seemed like a reasonable alternative, I was then told that the interest-only payments would increase the second year and add up to {$500.00} on each of my existing loans. I have over {$100000.00} in loans which they are expecting me to pay back within 10 years. Some of my loans are up to 10 % interest. My monthly payment would be about {$2000.00}. I do n't know of a single person that can afford to pay that much money per month. This amount is more than my house payment. At this point I feel my only other option is to default on my loans because  Sallie Mae  is unwilling to work with me to come up with a reasonable repayment plan.
Complaint sub-issue: Was not notified of investigation status or results

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Complaint sub-issue: Account information incorrect

Equifax and XXXX  should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureau to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Complaint sub-issue: Account information incorrect

I have 2 accounts on my Equifax that show balances one with XXXX XXXX XXXX and XXXX XXXX XXXX aka XXXX. When they should be showing XXXX balance discharged though bankruptcy
Complaint sub-issue: Other problem getting your report or credit score

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX, FL XXXX I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX, FL XXXX
Complaint sub-issue: Public record information inaccurate

UNDER THE BANKRUPTCY CODE, LEXIS NEXUS MUST FURNISH ME A RECAP REPORTS OF ALL PUBLIC RECORDS, TAX LIENS, JUDGEMENTS ETC..ALSO TO WHAT CREDIT REPORTING AGENCIES, ENTIRE HISTORIES..ALL PROPERTIES OWED OVER THE LAST 20 YEARS.
Complaint sub-issue: Information is missing that should be on the report

Good Day, To whom it may concern, Please immediately delete the account " XXXX '' for the following FCRA violations : Failing to report the DOLA or Date of last activity. 

Failure to report the creditor phone number, this account can not be verified. 

failure to report the date closed. 

Failure to report the account number. 

I have mailed Equifax a dispute letter regarding these items, however they are still illegally reporting this account with the above FCRA violations. See attached tracking number.
Complaint sub-issue: Didn't receive enough information to verify debt

On XX/XX/XXXX Equifax received and accepted through certified mail a dispute for the following account : ( XXXX XXXX ACCOUNT # XXXX ). Equifax did not respond to my request for debt validation, simply closed the dispute as verified without providing me any debt validation. On XX/XX/XXXX I sent a follow up letter requesting for the method of debt validation that was used to validate the debt, Equifax failed to respond again and continues to close the dispute as validated without sending proof of debt validation or how they validated the debt.
Complaint sub-issue: Old information reappears or never goes away

The disputes have been resolved since XX/XX/2021 but it was bought to my attention, the dispute verbiage is still reflective My dispute has been concluded for quite some time I would like the dispute verbiage to removed
Complaint sub-issue: Information belongs to someone else

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXXXX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX AUTO FIN on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX AF on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Complaint sub-issue: Charged too much interest

On XX/XX/XXXX, I paid off my Citi Simplicity Card in the amount of {$1600.00}. This was the due date for payment. The representative ( I apologize but do not have her name ) alerted me that the account would be paid in full and have a XXXX balance. She even waived the prior month 's interest charges in the amount of {$19.00}. The payment posted to the account on on XX/XX/XXXX. I was then shocked to receive a bill for {$1.00} for the next cycle - 2 days of interest. I thought this would be an easy fix as I had already paid significant interest, paid off the balance and was told the account was " XXXX XXXX '', but sadly I was told they would not waive {$1.00} even after receiving {$1600.00} as they had waived {$19.00}. While I understand that they contractually can charge this, it seems onerous and spiteful to do so. It defies common sense and is some of the worst customer service I have ever experienced. XXXX XXXX XXXX  XXXX XXXX is not going to have any impact on their bottom line in any way, shape or form. 
As a side note, I have already paid off and closed two other accounts with CitiBank due to similar billing and payment issues. My plan was to close this account as well in order to sever any ties with their business.
Complaint sub-issue: Public record information inaccurate

I applied for a loan on XX/XX/2020 and was denied from XXXX credit XXXX XX/XX/2020, I received a denial letter from XXXX XXXX XXXX with explaination.One key factors that adversely affected my credit score that's on the Denial letter is '' Derogatory Public Record '' which generally means Bankruptcy.I did have Bankruptcy and it was removed in early XX/XX/2020 from Equifax.Also in the denial letter it states '' our decision was based in whole or in part on the information obtained in a report from the consumer reporting agency listed below ( Equifax ) '' .I have disputed a few times to have bankruptcy removed because the 10 years is up.Equifax said it is not on my credit report and not reporting on my credit report.Because of this denial letter, its clearly on my credit report and was never removed.This is a violation of the fair credit act.Also, Equifax is not reporting my credit score correctly.My current report says XXXX and on this denial letter it states XXXX.On a current CFPB complaint ( s ) No.  XXXX and XXXX, Im having the same problem with bankruptcy not removed from credit report and a difference in credit scores.
Complaint sub-issue: Investigation took more than 30 days

Greetings ; I sent 3 rounds of letters to the credit bureaus, but they didn't do their investigation. I want to open an investigation about my credit report and delete the innacuracies.
Complaint sub-issue: Reporting company used your report improperly

I believe equifax has repeatedly ignored security loopholes in their system. Especially with as much personal information as they have available ... there should not be an issue like the hack happening.
Complaint sub-issue: Debt was result of identity theft

I check my XXXX XXXX frequently, especially because I 'm buying a house & it 's important to me to remain above 700. Anyway there is a inquiry from a company twice the name is XXXX location XXXX XXXX Ca XXXX phone number XXXX XXXX XXXX ) XXXX I called & it says NOT in service. The account also says it 's " misc ''!! There was XXXX inquiries first XX/XX/XXXX & XX/XX/XXXX. There was no more information on it. Please help it is very important like i said I 'm buying a home, I already got a preappoval but it 's not over yet. Getting a low finance charge on accounts is everything. Thank
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Complaint sub-issue: Attempted to collect wrong amount

we had XXXX cell service for over two years, in XX/XX/2021 we transfer our services to XXXX, the sprint were cancelled left zero balance, we returned all sprint devices in time and got receipt. 
After three months later we receive collection latter from I.C System Inc. that we owed XXXX 
we went several time to the XXXX store, they said only XXXX can resolve this issue, many times call XXXX  nothing is resolve yet. 
It is not are balance the just want to rip us off.
Complaint sub-issue: Other problem getting your report or credit score

I have a problem filing a dispute or checking the status of a dispute with Equifax .I have told them about it repeatedly but nothing is ever done about it.It always kicks me off of the webpage stating that the information I entered does not match their records.This forces me to have to call in every time and talk with people who are speaking an alien language waisting my time.I enter the correct information every time.I am sick of it.
Complaint sub-issue: Their investigation did not fix an error on your report

I sent certified letters to XXXX, Equifax and XXXX on XXXX, XXXX, XXXX, XXXX and XXXX, XXXX, XXXX about inaccurate accounts that they need to verify and send their method of verification and they failed to comply. They claim that the information is valid but refuse to explain how they validated the incorrect information. Account XXXX  XXXX, XXXX CARD AND XXXX XXXX  XXXX