Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't close your account

I received a letter from Citibank thanking me for opening a checking account with them. I did not open a checking account with them. I called Citibank and explained that I was a victim of identity theft and that I did not open that checking account. I was told that this matter would be turned over to the fraud department and that the account would be closed. I never received any written documentation of their action. I filed the identity theft issue with the FTC and sent 2 certified letters to Citibank requesting that the checking account be closed, that the inquiry be removed from my credit report and asked that they send me written documentation of these actions. The first certified letter was mailed on XX/XX/XXXX, with no response. A follow-up certified letter was mailed on XX/XX/XXXX, with no response as of today.
Complaint sub-issue: Personal information incorrect

I have disputed a incorrect address with Equifax more than 6 times. I was told more than 6 times it was deleted. When I checked my report on my own, everything I was told by Equifax was not true. There was no deletion about a incorrect address. They would not provide who is the company who reports this fake address of XXXX XXXX XXXX XXXX XXXX NY XXXX. I dispute and they are now coming back verified now by Equifax. The agents are only apologizing about the situation
Complaint sub-issue: Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Complaint sub-issue: Debt is not yours

Wife filed for divorce. I moved out of the residence in XXXX of 2018. Wife kept XXXX account at that residence until late XXXX and then convinced XXXX to open a new account for her at the same house address. When the account was cancelled, they charged a {$280.00} XXXX  year cancellation fee to myself even though I didn't live in the house and I didn't cancel the comcast account or contract. I should haven't been charged this fee. It has moved to multiple collections agents, always lowering my credit score with new dings every several months. This charge isn't mine.
Complaint sub-issue: Information belongs to someone else

Hello, My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, that do not pertain to me and are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX {$120.00} XXXX XXXX XXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$350.00} XXXX XXXX XXXX XX/XX/XXXX {$870.00} XXXX XXXX XXXX XXXX ( XXXX  ) XXXX. XXXX, XXXX {$150.00}
Complaint sub-issue: Problem with customer service

I am making this complaint on behalf of my mother. She is  XXXX   years old  and suffers from  XXXX . For the last year or so she has been   XXXX   XXXX   XXXX   XXXX    by one of her home health aides. Her credit cards have been stolen, and there are over {$13000.00} dollars of charges on just  XXXX  of her credit card accounts that were made without authorization. I have a full DPOA and was successful in canceling the cards, however, I have tried working with the bank since  XXXX  of last year, but they refuse to discuss with me or act upon the account despite my having sent them a copy of the DPOA. Further they are harassing with dunning calls and letters to my mother which are very upsetting to her.
Complaint sub-issue: Information belongs to someone else

Hi, my name is XXXX XXXX XXXX. I am Reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent changes are showing negative results on my credit report. I reported the theft of my identity to the identity theft affidavit. Please remove these items as soon as possible.
Complaint sub-issue: Trouble with how payments are being handled

XX/XX/XXXX spoke with my current loan servicer and requested a refund of all payments made during forbearance period under the CARES Act, which should total {$5000.00}. Loan was transferred to current servicer from FEDLOAN only months prior to request, but I was told while speaking to my current servicer I could request all payments made to each servicer be refunded by the US Dept of Treasury at the same time, no need to make contact with FEDLOAN. Was told 30-45 days to process. As of XX/XX/XXXX, total balance has only reflected return of payments made to current servicer ( though those funds have not been yet been direct deposited to bank account ). No payments made to FEDLOAN during forbearance period have been refunded. Unable to reach customer assistance by phone to follow up due to consistent high volume of calls, and disconnection from line while on hold.
Complaint sub-issue: Account status incorrect

I had a XXXX XXXX credit card charged off in XXXX. Fast forward to XXXX XXXX XXXX kept the account open and started reporting 90 day lates on my credit report for Equifax and XXXX totaling 24 90 day lates for each bureau. I contacted XXXX XXXX to intervene back in XXXX of XXXX in which I'm pretty sure they got it removed but XXXX XXXX  eventually put this back up.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states : I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 states : A consumer reporting agency can not furnish an account or account information without my consent
Complaint sub-issue: Information belongs to someone else

I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since XXXX continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts are XXXX XXXX  XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX Solutions. Along with a plethora of fraudulent credit inquiries.
Complaint sub-issue: Information is not mine

I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.
Complaint sub-issue: Credit card company won't increase or decrease your credit limit

On XX/XX/2021 Citi Bank denied my request for credit limit increase on my credit card. 
12 CFR 1002.4 ( a ) " Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. '' Citi bank has discrimined against me. They are in violation of federal law
Complaint sub-issue: Don't agree with the fees charged

I took out a student loans in 1994. I consolidated later and my loans were no longer with Nelnet. While my loans were with Nelnet they illegally charged me a XXXX interest rate when the federal cap was XXXX. I reached out to Nelnet and they did nothing. I reached out to the Ombudsman and although she agreed what they did was in violation of Federal law, she said I had no recourse since I had consolidated my loans.
Complaint sub-issue: Frequent or repeated calls

USCB is constantly calling my cellphone multiple times per day using automated pre-recorded messages. I do not appreciate this harassment.
Complaint sub-issue: Information is not mine

To All party involve Equifax XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD ALLERT XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX # XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX & acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB 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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX, Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX, Account Number XXXX, has violated my rights.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX, Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 
XXXX XXXX, Account Number XXXX, has violated my rights.

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 of information, other than records of convictions of crimes which antedates the report by more than seven years. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX, Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX  Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX, Account Number XXXX, has violated my rights.

15 U.S.C.1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX, Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account Number XXXX, has violated my rights. 
XXXX XXXX, Account Number XXXX, has violated my rights.
Complaint sub-issue: Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I filed a dispute with EQUIFAX regarding inaccurate credit report. I filed bankruptcy 10 years ago and this should not be on my credit report according to Fair Credit Reporting Act. EQUIFAX did an investigation, but did not resolve this issue.
Complaint sub-issue: Lender trying to repossess or disable the vehicle

Right before the freeze in XXXX we where out of light and water for like a week the car lot came pick my car up Sunday evening around XXXX my other car note was due Monday I was going to give them a call Monday and work something out with my payments they came and got my vehicle and lying saying they picked my vehicle up Monday morning My car notes are XXXX every 2 weeks due to me recovering from XXXX XXXX XXXX my wife been paying on it I call the bank Monday to get my car back to pay the 2 car notes they added more chargers on there so I had to pay them XXXX, for Misc payment, regular payments XXXX include taxs ig, collateral insurance CPI XXXX=XXXX paid them that in full in there still holding my car at a storage not to mention I have to pay the storage as well the company is ccm finance there very rude threat you with there come take your car and you want get it back and they will hang the phone up in your face you will get more complaints and another thing the reason why I was behind because something messed up on my car I had to pay XXXX to get my car out the repair shop that the car lot in paid XXXX after that
Complaint sub-issue: Information belongs to someone else

I'm disputing the following accounts inwhich I have absolutely any knowledge of nor did I authorize such. But my main concern is why and how is the major credit bureaus reporting these accounts without certified physical documentation to support their reporting findings after these accounts has been disputed before, and a Method Of Verification was requested. Inwhich I never recieved, but re requesting now. I would like to know the name and title of the investigator, and inwhom did they speak with, what communication was used, fax, phone, email, etc. In concert with the FCRA either provide all the above or block these accounts immediately and permanently, ( 1 ) XXXX  XXXX  Debt, # XXXX ( 2 ) XXXX/ XXXX XXXX XXXX ( 3 ) XXXX {$3200.00} ( 4 ) XXXX {$1.00} XXXX
Complaint sub-issue: Problem getting a working replacement card

On the first week of XXXX I noticed XXXX transactions on my Bank account at First Horizon Bank XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX which I did not recognized. I immediately went to the bank to inform them and dispute the charges. The clerk informed me that my debit card had been compromised. She took my debit card and destroyed it and issued me a new debit card. However, she did not cancel the compromised debit card. 
The new card was never activated. 
On XX/XX/2022 the bank send me an email informing me that my account had been overdrawn. I immediately went to investigate. I asked the manager to provide me with a statement. It was 9 pages long! Upon examining the statement I informed her they were not my charges. We talked and the manager asked me to file a police report, and the Bank said they would start an investigation once they receive the police report.

I provided the bank with the police report. No one had requested it only told me they were waiting A week - 10 days - later the bank presented me with a check in amount of {$8000.00} as a replacement - I think for cash withdrawals. 
The last XXXX  days, I have contacted the many times over and over again concerning the matter ; only to be told we are investigating and can not give you a date when it will be completed. 
Please investigate and assist me in how to get my funds back from the bank
Complaint sub-issue: Fees charged for closing account

I wanted to close an inactive checking account with this bank. They claimed I still had an outstanding claim with them. From almost the maximum 90 days. What do you know? They reversed the claim and tried to extort the money from me ( a fee ) in order to close this account. They also locked me out of online access to my account and I was unable to verify the details of this alleged transaction. They now have sent me to collections, with no notification, for this extortion money.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX Inquiry : XX/XX/2021 XXXX XXXX Inquiry : XX/XX/2021
Complaint sub-issue: Information belongs to someone else

I was at the XXXX dealership on XX/XX/2020 and when I had my credit ran to see if I qualified for the auto loan I was told that I was not approved because there were too many accounts in negative standing appearing on my credit. I was somewhat confused to hear this because I have never let any of my accounts or loans get negative so I looked through my credit report and I saw XXXX accounts that I never opened. The accounts are from these companies. XXXX & US Department Of Edu. None of the accounts I listed on this report belong to me and I did not give anyone permission to open these accounts on my behalf ; I do not have any agreement or affiliation to any of those companies and I did not gain anything as a result of those accounts being open in my name.
Complaint sub-issue: Investigation took more than 30 days

Please be advised, Ive been a victim of identity theft. I sent in an ftc report back in XXXX. Equifax failed to investigate properly. 

Ive never done business with XXXX XXXX XXXX XXXX bill is {$500.00}. Account says it was opened XX/XX/21. Which is funny because I never received any medical care from XXXX XXXX in XXXX of this year or XXXX of any time. Ive never done business with this company or entered into a written contract with this company
Complaint sub-issue: Information belongs to someone else

The following accounts are fraudulent : XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have called Equifax and XXXX  numerous times over the past 6 months regarding inquiries that were on my credit report that weren't recognized. I was told by both credit bureaus that I needed to call each and every company that had pulled my credit. I did. Upon calling I was told that they didn't have any information on file with my name or SS #. I called Equifax and XXXX  back. I then was told I needed to add fraud alert on my report and go to the police station and file a report. I added the fraud alert, I took days off to try and file a police report and was told at the police office that they are unable to file a report of such. I'm very frustrated and annoyed that I keep getting the runaround and not getting any help. XXXX  was able to help me and I had NO ISSUES with them at all. I was then told last week to contact the FTC and or Consumer Finance.
Complaint sub-issue: Personal information incorrect

I have innacurate personal information on my credit report. Names, addresses and date of birth is incorrect. I solely go by given name. This is a ongoing situation that I have tried to dispute more than twice.
Complaint sub-issue: Funds not received from closed account

On XX/XX/XXXX I deposited a payroll check on the mobile app with Citibank. They check was going to be held ; so I proceeded to asking an agent thru the mobichat if they could stop the deposit so I could cash the check and I was informed I could cash it. Two days later XXXX the cash checking place I used called me back that the check was returned. After I found out Citibank was closing my account. Ever since then I have tried many many times to get answer to when will I receive the funds from the account when it was closed and they keep giving me different answers. First, they told me they would send a check it should take 5 to 7 buissness days I never received it. After they told me it was 10 to 15 buisness days that I should receive it by XXXX XXXX. Never received it. Now they tell me they never send a check and that they are awaiting the response from another dept. Which I can not talk to to see if the funds are going to be released to me. I have tried escalating the matter, speaking to supervisors. XXXX XXXX XXXX  and have not gotten any answers. At this point because I had to pay XXXX back I am getting wage garnishment to pay XXXX the money back. The check was in the amount of {$490.00}. I have the last account statement that they sent. Which says the ending balance was {$490.00} there is a {$5.00} Non citibank Atm fee which I dont know why because I didnt withdraw any money on XX/XX/XXXX, a XXXX monthly service fee also XX/XX/XXXX and says other withdrawal XXXX. Which I never withdrew because my account was locked.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX AND EQUIFAX FAILED TO ANSWER DISPUTE WITHIN 30DAYS AND ARE STILL REPORTING XXXX  XXXX XXXX  ACCOUNT NO.XXXX ANDXXXX AND XXXX. THESE ACCOUNT ARE CLOSED AND INCLUDED IN BANKRUPTCY CHAPTER XXXX CASE NO.XXXX. 

AND XXXX XXXX XXXX NO. XXXX DISPUTED UNDER THE FAIR CREDIT BILLING ACT. 

ALSO, INCLUDED IN BANKRUPTCY