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

I have a credit card with Citi bank with about 65K Thankyou Points in the account. The bank closed my account by mistake and claimed that I requested to closed it. However, I never made that request. Also, I contacted them many times and ask to re-open the account. Each time, the representitive told me they would investigate the case and contact me later. But they never contacted me. Here are some details. 

As the annual fee was posted, I called cumstomer service on about XX/XX/XXXX to inquiry if they had some retention offer to cover the fee. After getting the answer 'no ', I asked if I could get refund if I closed the account. The representitive gave an answer 'yes ' and told me that I could get refund util 37 days later. Then I said I would think about it and hang up. 

About 1 month later ( as the deadline approaching ), I contact Citi bank again through online chat to redeem the Thankyou Points. However, I was told that my account was just closed ( showed closed on XX/XX/XXXX. ). And the reason is that customer requests to close the account. I argued that I was just inquirying the option and never asked to close it. Also, I requested to re-open the account. The representitive told me that a hard inquiry will be pulled. I argued that it was the bank 's mistake, so they can not pull my credit to reopen my account. The representitive also told me that my Thankyou points will expire 60 days after account close. I said I need to think about how to redeem the points and end the chat. 

Several days later, I saw XXXX XXXX XXXX has a bonus of 25 % additional points to redeem the Thankyou Point. So I called Citi bank again, but was told that I can not redeem Thankyou Points to XXXX, as the account was closed. Again, I claimed that that's the bank 's mistake and they should re-open my account. The representitive told me a case was setup, their bankend team will investigate it and contact me later. I said that's not enough, I want to file a complaint. The representitive help to do it and told me the case number. 

However, many days passed, no one contacted me. I had to call the bank again. I asked to escalate the case and insisted to talk to a supervisor. The supervisor told me she could file a case for the backend team to review the phone call record and see if they could re-opne my account without a hard inquiry. And I would get a notification by mail. However, it's more than 10 days. I get nothing and my account is still closed
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act accounts XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a 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: Their investigation did not fix an error on your report

As per case # XXXX, Equifax, in witness of the CFPB, had accepted my claim and provided a resolution of removing the fraudulent collections account. Once the case was closed, Equifax, behind the CFPB 's back, went ahead and added it back to my account. I don't know if this is in error, but it is a very concerning matter that the CFPB ought to look into to make sure these large financial institutions don't engage in large scale fraud. Please make sure that Equifax 's agreed upon resolution from the previous case is enforced.
Complaint sub-issue: Don't agree with the fees charged

When applying for my student loan, I was under the mistaken belief that the bank would be loaning me depositors money, which it received from its depositors or investors. I have found by researching relevant case law on the matter and reading Modern Money Mechanics, published by the Federal Reserve XXXX XXXX XXXX, that banks create the money I borrowed by using my promise to pay. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. 
In none of my transactions with the bank did any officer or employee notify me that the bank created money by a journal entry ( out of thin air ). This is bank fraud. The banks transactions relating to me lacked two necessary elements of a valid contract. 
Perhaps you should be aware of the following : United States Code, Title 32, Section 24, Paragraph 7 confers upon a bank the power to lend its money, not its credit. In XXXX XXXX XXXX XXXX XXXX v XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX ( XXXX ), the court stated : ( T ) he provisions referred to do not give power to a national bank to guarantee the payment of the obligations of others solely for their benefit, nor is such power incidental of the business of banking. A bank can lend its money but not its credit. 
Again in : XXXX XXXX XXXX XXXX v XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX ) It has been settled beyond controversy that a national bank, under federal law, being limited in its power and capacity, can not lend its credit by guaranteeing the debt of another. All such contracts being entered into by its officers are ultra vires and not binding upon corporation. See also XXXX XXXX XXXX XXXX v XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 
The bank did not notify me that it created money by journal entry ( out of thin air ), defined as bank credit. To do so would have disclosed that there was no consideration from the bank to me. 
A lawful consideration must exist and be tendered, to support the note. See XXXX XXXX XXXX XXXX v XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. 


I hereby revoke, rescind, and repudiate my signature on the original application. The original application was fraudulent on its face, as full disclosure was not provided. The application did not inform me the bank was loaning me bank credit created out of thin air. 
Had the bank so disclosed this fact to me, that I was in fact borrowing bank credit, I would have known that the element of consideration was missing from the contract and would have not entered into that agreement.
Complaint sub-issue: Reporting company used your report improperly

Equifax Inc. said its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed. Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XX/XX/XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. The company set up a website, www.equifaxsecurity2017.com, that consumers can use to determine whether their information was compromised. Its also offering free credit-file monitoring and identify-theft protection.
Our records are among those that may have been impacted, according to the website.
We did NOT opt in to the XXXX XXXX credit monitoring and we do NOT consent to arbitration with Equifax regarding this incident.
Complaint sub-issue: Debt is not yours

JEFFERSON CAPITAL SYST is claiming that I owe them {$1400.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Complaint sub-issue: Account status incorrect

All three credit bureaus are stating that my XXXX XXXX XXXX XXXX account is showing a status of " consumer disputes, consumer disagrees. '' I am not disputing or disagreeing with this finding.
Complaint sub-issue: Trouble with how payments are being handled

I submitted a complaint on XX/XX/XXXX regarding student loans with Discover Loans. The # we were given is XXXX. This is with Discover Student Loans. I received an email that my complaint and documents were sent to Discover XX/XX/XXXX. I have not heard from any since them. Is this case still open?
Complaint sub-issue: Information belongs to someone else

I am a victim of repeated identity theft. There were several RECENT accounts opened in my name and it seems the accounts are attached to one of my homes Im rarely at. 

1. XXXX XXXX Open Date : XX/XX/XXXX Balance : {$24000.00} I filed a police report XX/XX/XXXX for identity theft and sent it to all bereaus, totally unaware at the time of this account cause it wasnt posted yet. This is not my account, please remove this. Its off my XXXX  but Equifax and XXXX has yet to comply even though Ive sent in police reports. 

2. XXXX XXXX Credit Card Open Date : XX/XX/XXXX Balance : {$1200.00} Again this is not an account I authorized nor opened. I filed a police report. I was staying at my other home in XXXX, XXXX   at the time these accounts were opened. 
I am asking Equifax, XXXX XXXX, and XXXX  to please remove this fraudulent account. 
3. XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$8500.00} Ive filed a police report on identify theft. 
4. XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$7500.00} This account has been reporting since XX/XX/XXXX. Ive disputed this account. Also, XXXX   Statue Of Limitations on debt credit reporting is 6 years. This account is still reporting to Equifax and XXXX  in XX/XX/XXXX. That is against the law. Please remove this account
Complaint sub-issue: Reporting company used your report improperly

Recently I received a collection letter from a law firm known as XXXX XXXX XXXX, XXXX, claiming that they were trying to collect on a debt for a debt buyer known as XXXX XXXX XXXX, XXXX. There are issues that need to be rectified as there is no consistency pertaining to debt ownership. The following is the criteria that must be established in order to validate a collectible debt against me : 1 ) At no time was I ever notified that an old debt was purchased by XXXX XXXX XXXX XXXX XXXX. 
2 ) The debt is so old that it no longer is posted on any of my credit reports, which means that at the very least the debt is over 7-years since it was last posted on a bureau update.

3 ) Any debt purchase in the Commonwealth of Massachusetts must show true copy ownership, as in this case XXXX XXXX XXXX  did no such transfer, nor was I ever given any such proof.

4 ) The debt information was acquired through a debt pooling information program electronically, and thus this collection is a fraudulent transaction, being procured for collection by a licensed law firm that should be investigated by the Massachusetts Department of Bar Overseers.

5 ) The law firm of XXXX XXXX XXXX, XXXX. need to cease and desist on these types of action, especially to a minority person such as myself, being 50 % XXXX and 50 % XXXX. I believe that I am being discriminated against and targeted. I recently had two similar actions dismissed in the civil courts in the Commonwealth of Massachusetts, and this collection is also illegal. 
6 ) This collection is illegal, and XXXX XXXX XXXX is in violation of my rights under the Fair Debt Collection Practices Act. 
7 ) My file must be purged and all personal information must be deleted, along with XXXX XXXX XXXX  recalling this debt information immediately. 
8 ) Any and all references to this account must be deleted on all credit bureaus. 
9 ) XXXX XXXX XXXX  must be investigated by all credit bureaus, and this activity on erroneous debt transfers must be terminated against minorities and consumers of the Commonwealth of Massachusetts permanently. 
XXXX XXXX XXXX XXXX XXXX has an enormous amount of complaints filed with the CFPB already. 
As of XX/XX/2019, the Consumer Financial Protection Bureau ( CFPB ) has received over 1,700 complaints related to the debt collection practices of XXXX XXXX XXXX XXXX XXXX. Examples of common complaints against XXXX include trying to collect a debt not owed and improper communication tactics. 
The following two real-world examples of complaints against XXXX XXXX XXXX illustrate these types of alleged violations. 
Consumer alleges attempts to collect a debt not owed XXXX XXXX XXXX said I owe XXXX XXXX After reviewing my recent credit report I contacted the company letting them know this not my debt This Collection action must be pulled out of circulation immediately!!! 

XXXX XXXX
Complaint sub-issue: Personal information incorrect

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple Equifax Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Complaint sub-issue: Account status incorrect

In XX/XX/XXXX I applied for an apartment at XXXX at XXXX whose address is : XXXX XXXX XXXX XXXX XXXX in XXXX, Texas XXXX. I did not get approved due to my credit. I got residency at another address. On XX/XX/XXXX I went to a federal job interview and learned that XXXX apartments had charged me XXXX dollars since XXXX. This is a delinquent mark on my credit report and has been since XXXX. I called them on XXXX at XXXX XXXX about the bill that they claim I owe. I spoke with XXXX who works in the office there said she will locate my file and call me back. She also took down my phone I called back on XXXX XXXX at XXXX XXXX. I spoke with XXXX in the office who told me that they have not yet grabbed my file and when they do they will give me a call back. I did not receive a call back on XX/XX/XXXX. I called the collection agency handling my file. The company is Hunter Warfield Inc. whose address is : XXXX XXXX XXXX XXXX. XXXX, Florida XXXX. I called them at XXXX XXXX and spoke with XXXX XXXX who stated that the charge was a utility service fee. He suggested that I pay the debt and then they would alert all three credit companies for half the price of the debt.I refused. I then called XXXX XXXX on XX/XX/XXXX at XXXX XXXX and spoke with XXXX in the office. I told her who I was and she then stated that they pulled my file and submitted a request to the credit company and its in the process of being taken off. I then asked for a letter stating that I dont owe them and XXXX agreed to send me an email on a letter head. I still have not received this letter. I called Hunter Warfeild at XXXX. on XX/XX/XXXX and spoke with XXXX to make sure that the paperwork was received by them. XXXX said that they have not yet received any paperwork from XXXX. XXXX also said it was a file for identity theft. I told her there has been no Identity theft. I would like this false charge to be removed from my credit report and i would also like my credit restored in some way.
Complaint sub-issue: Reporting company used your report improperly

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 7. Validate Inaccurate/Reported Late payment XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 8. Identity Theft XXXX  Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 9. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 10. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 11. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 12. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 13. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 14. Identity Theft Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately. 15. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 17. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX
Complaint sub-issue: Fee problem

It is my understanding that a bank CAN NOT charge an overdraft fee for a monthly banking fee. On XX/XX/XXXX my CITIbank account had XXXX XXXX  in it.. a monthly service fee was charged to me on XX/XX/XXXX putting me XXXX dollars to which the bank then overdrafted me XXXX $ on XX/XX/XXXX ... so i was charged XXXX dollars for not having the money in my account for a monthly service fee..
Complaint sub-issue: Information belongs to someone else

I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts
Complaint sub-issue: Account information incorrect

XXXX, Equifax - Report my student loans all closed, however, they don't say Paid, or Paid as agreed, I want them to reflect the correct status- They still got paid, they should reflect paid, and the age of each credit line should be properly reported, I also request they send an updated report to each of my recent inquiries for this month, with a letter detailing their error. ( copy to me as well ) Nextly as a Member and CEO of a separate entity corporation with its own established credit I wish to make it clear.. any further acts of ANTITRUST violations regarding, discrimination against my company by sharing my personal credit without my express written permission are NOT authorized. my personal credit is proving hard to rebuild after my being a victim of Identity theft in the past. their action has cost me Increased fees and elevated insurance premiums and is also violating XXXX XXXX. I am relaunching my firm after covid and applying for Asset-based corporate credit and financing - No personal guarantee is needed, so they need to stop sharing my personal information without consent. I provide my Id and have a credit call to verify my identity prior to opening any accounts,
Complaint sub-issue: Debt was result of identity theft

During A vacation to XXXX XXXX Nevada My identification along with other documents were lost XXXX - XXXX - XXXX I discovered My identity had been stolen after a mortgage application in XXXX - XXXX Prior to this I assumed I have contacted XXXX XXXX on multiple occasions about this problem as they are listed as the original creditor why they are sharing my ssn information with multiple different entities when i never permitted them to obtain this information in the first place is extremely illegal they keep reporting the debt under different shell companies or collection agencies ( XXXX XXXX ) & ( I C SYSTEM ) This will be my first time reaching out to first progress credit card about this scenario
Complaint sub-issue: Was not notified of investigation status or results

When I searched for my name on the Internet, I discovered that some of my personal information was being utilized without my permission. My information was acquired by an aggregator website, which advised me to check the website 's FAQ section before contacting approximately nine separate websites. I felt humiliated by the fact that I had to request that my belongings be taken, as I value my privacy. I discovered unauthorized fraudulent accounts on my credit report ; I would like these accounts to be removed and rectified. Remove all fraudulent and negative accounts from my credit report. This has impeded my capacity to obtain credit. I am making every effort to regain control of my life. Please help me eliminate all fraudulent accounts. Please inform me of any additional steps that can be taken to remove these accounts from my report.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX and I am sending this request myself to address the inaccuracieson my Credit Reports. 
Upon reviewing my credit file, incorrect information was found in myreports. The XXXX, XXXX and Equifax Credit Bureaus has not complied with theFCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified informationwithout any proof provided, within the time allowed by law, is not authorized. Below are theitems that are reporting on my Credit Reports : XXXX XXXX ; XXXX, XXXX, T ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX A XXXX XXXX AV XXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2016 ; DP OF EDUC XXXX Balance : {$17000.00} XXXX DP OF EDUC XXXX Balance : {$9400.00} ; XXXX XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$4200.00}.
Complaint sub-issue: Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I sent two dispute letter to Equifax credit bureau showing my name, address, ss #, and job information.They keep sending me this stall letter saying that were unable to locate a credit file in there database with the information I provide.I sent them everything they need for them to assist me.So, I need your help now in this situation.Please help