Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Account information incorrect

This is regards to XXXX XXXX account # XXXX on my credit file on XXXX and Equifax reports. XXXX XXXX was charged off back on XX/XX/2016 and according to the statute of limitations in the State of Florida, which is only 5 years this account has expired and must be deleted immediately from my credit reports
Complaint sub-issue: Reporting company used your report improperly

- > after i found out Equifax got hacked i tried to place a fraud alarm on my account but they are making it difficult to put that in. this should be done automatically since it 's there fault that they got hacked. instead they are making it difficult by requiring that i mail my request for something that should have been done over the phone or online.
Complaint sub-issue: Can't close your account

On XX/XX/2019 upon attempting to make a deposit I was rudely treated by the Branch manager to which I responded in kind. At that time she claimed to forcibly close my account and did not do so. 

Upon contacting U.S. Bank I was informed my account was not closed and required me to come in person to do so. I was assured in person in XXXX my account was closed, during this time they continued to accept charges and assess fees for overdraft and maintenance despite never having over draft protections or ability on my account previously.
Complaint sub-issue: Problem with fees

Membership Fee issue with Citibank Membership Annual fee posted of {$350.00} on XX/XX/XXXX for citi prestige credit card. I called citi on XX/XX/XXXX to downgrade card to a no annual fee card. Per their policy I should get a full refund with 30 days of fee posting. I downgraded the card to a citi preferred no annual fee card. This was confirmed the same day. 

On XX/XX/XXXX I called citi again because the membership fee was still not refunded-almost a month since I downgraded cards. They said I had to wait another 30 days for the fee to be refunded. In the mean time I was charged a late payment and interest for the {$350.00} membership fee. 

The membership fee was refunded {$290.00} on XX/XX/XXXX at only a prorated amount. 

I called on XX/XX/XXXX to inquire about this. They said they will send a request up the chain. 

I called again on XX/XX/XXXX to get my full refund but after 30 mins they again offered to send a request up.

Citi has taken months and has not given me the full membership refund.
Complaint sub-issue: Account information incorrect

I made a payment on my Total Visa Card on Friday XX/XX/2020 at XXXX XXXX  with my debit card. Total Visa failed to post my payment based on their terms and conditions. My statement closed at midnight XX/XX/2020 but because Total Visa failed to correctly post my payment they incorrectly reported a statement closing balance as {$400.00}. I spoke with a supervisor at Total Visa by the name of XXXX agent ID XXXX. She pretty much said Total Visa terms about posting payments are incorrect and the cut off time is XXXX CST. I informed her that is un-ethical to provide mis-leading terms and conditions. She failed to help me and said it is what it is. Wasnt apologetic at all. No customer service skills what so ever. Not quite sure how shes a supervisor. Very disappointed in the way she was speaking to me. She also refused a manager, told me she doesnt know their schedule and failed at informing me how I can speak to a manager. Total Visa Card reported this incorrect balance on my credit file, which made my XXXX XXXX score decrease significantly. I was in the process of doing a redetermination for a loan. I was denied the loan specifically because my XXXX  XXXX XXXX score decreased due to Total Visa reporting inaccuracies.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 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 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 an account without MY written instructions.
Complaint sub-issue: Old information reappears or never goes away

I have concerns that my credit information is inaccurate and/or erroneous.I have official disputes on my credit file but my credit score remains in a adverse zone. I 'm seldom tardy with payments and am in good standing with all creditors.This whole system credit reporting system is nebulous at best and truly adversarial, invidious and punitive.Also, the imbroglio germane to the Equifax breach stings as well. Perhaps formal litigation is necessary to ameliorate and/or rectify the inequities in the credit reporting procedures and terminate their comfort level. The status quo is an abject failure.
Complaint sub-issue: Information belongs to someone else

I'm asking that these accounts be removed and block from my credit report. i receive a copy of my credit report and i noticed a handful of accounts and unauthorized credit inquires on my report. i then contacted the 3 credit bureaus because i suspect it to be fraud. none if the account listed are related to any transaction done by myself.
Complaint sub-issue: Information belongs to someone else

i am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Complaint sub-issue: Didn't receive notice of right to dispute

XXXX XXXX XXXX is now reporting a collection account on my report without given a notice to dispute account. Also Im being called by their collection department every day they are harassing me.
Complaint sub-issue: Personal information incorrect

I submitted a complaint regarding Equifax not reporting my date of birth correctly. Equifax has been reporting my date of birth as XX/XX/XXXX. That is NOT my birthdate and I have filed a complaint after many attempts to have the information corrected, complaint number XXXX. 
I received a new report from my monitoring company and the updated information is still shown as XX/XX/1969? How is this possible? And how is Equifax responsible for reporting accounts correctly if my personal information is not even correct? This seems absolutely absurd.
Complaint sub-issue: Account status incorrect

The accounts are still inaccurate on my report which needs immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late Open XXXX  Account Number : XXXX Late Closed XXXX XXXXXXXX Account Number : XXXX Charge Off XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX 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: Debt is not mine

XXXX XXXX XXXX is negatively reporting me as owing {$120.00} when I do not owe them this debt.
Complaint sub-issue: Their investigation did not fix an error on your report

Beginning XX/XX/XXXX through XXXX XXXX, I entered into a forbearance for my student loans with XXXX XXXX. However, there are late and delinquent reports on all sixteen of my XXXX accounts on the three major CRAs, dating XX/XX/XXXX-XX/XX/XXXX. I have disputed these markings with each CRA to no avail. XXXX XXXX refuses to update the CRAs with accurate information. The inaccurate information XXXX XXXX continue to report for the time period of XX/XX/XXXX-XX/XX/XXXX is damaging, unethical and noncompliant with the FCRA. 

I have attached to this complaint, a letter I received from XXXX XXXX  that clearly states my account in Forbearance status from XX/XX/XXXX - XX/XX/XXXX.
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 US 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 an account without my written instructions.
Complaint sub-issue: Loan sold or transferred to another company

Carvana has violated my rights and failed to address these violations or lawfully remedy the issue.

Carvana has illegally disclosed my personal information and social security number without my permission. I have never consented or contracted to do business with a company called " XXXX '' that is apparently linked to Carvana. Carvana provided XXXX with my personal information to collect an alleged debt from me that is in dispute, and is not XXXX 's to collect. Carvana 's contract is misleading and deceptive and full of false misrepresentation. Carvana 's contract violates 15 U.S.C.

1692e ( 2 ) ( a ), 15 U.S.C. 1692e ( 11 ), 15 U.S.C. 1692e ( 14 ), 15 U.S.C. 1692j, 15 U.S.C. 1605, and 15 U.S.C. 1605a. 
I gave notice to Carvana, which was received on XX/XX/22, that I would be rescinding from the contract in accordance with 15 USC 1635. I also served a Revocation of Power of Attorney notice within the same certified mailing. My notices were ignored by Carvana. This alleged debt is disputed for fraud on the contact and failure of meeting of the minds. Carvana has not ceased to collect the debt via the Carvana app. Carvana has failed to provide any actual accounting or prove the alleged debt is valid and not fraud. Carvana is in violation of 15 USC 1635 ( b ) - " Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. '' - As it has been over 20 days and they have failed to return my downpayment monies, as well as failed to terminate the security interest on the vehicle created under the transaction. Carvana has also failed to provide me with the free and clear title of the vehicle. It is my right under 15 USC 1635 ( b ) to retain possession the property ( vehicle ).
Complaint sub-issue: Problem with personal statement of dispute

Credit bureau will not delete XXXX account as they do not know who bought account it shows sold to another lender. This consumer sent a certified letter to all bureaus invoking my rights and the dispute shows nothing changed, debt collector unknown. If this cant be verified it must be deleted.
Complaint sub-issue: Information belongs to someone else

These credit breaks are reporting fraudulent information on my credit report 1. XXXX XXXX has a payment agreement of XXXX $ per month 2 XXXX is not mine 3.XXXX is not mine 4 XXXX XXXX is not mine
Complaint sub-issue: Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Account information incorrect

XXXX XXXX XXXX keep updating payment history to extend time the account remain on the credit file. Last payment was made XX/XX/XXXX.. There reporting two payments on XX/XX/XXXX and XX/XX/XXXX. I never made those payments they are reporting. This account should have been deleted after the 7 year mark.
Complaint sub-issue: Information belongs to someone else

Hi, I am a victim of identity theft. When these accounts were opened, my personal information was stolen and used to commit fraud against me. I have given no authorization to these companies to open these accounts OR run my information. I need these accounts to be REMOVED/DELETED IMMEDIATELY because it is affecting my credit score tremendously and is affecting me from being successful in my life. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please DELETE the FOLLOWING items as soon as possible : EQUIFAX ACCOUNTS : XXXX XXXX OPENED : XX/XX/XXXX AMOUNT : {$12000.00} XXXX XXXXXXXX OPENED : XX/XX/XXXX AMOUNT : {$300.00} XXXX XXXX XXXX OPENED : XX/XX/XXXX AMOUNT : {$730.00} XXXX OPENED : XX/XX/XXXX AMOUNT : {$300.00} XXXX XXXX XXXX OPENED : XX/XX/XXXX AMOUNT : {$430.00} XXXX XXXX XXXX OPENED : XX/XX/XXXX AMOUNT : {$220.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX MY ID AND SSN IS ATTACHED TO THE DOCUMENT " EQUIFAX '' XXXX
Complaint sub-issue: Frequent or repeated calls

On XX/XX/2022 a number of XXXX called 14 times in a row repeatedly. The number was identified as IC Systems. When I called about it they denied having called me numerous times. 

This is harassment. Anything they want they can send to me in writing.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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
Complaint sub-issue: Company closed your account

Hello there, I have opened a Citi Checking account upon advice from a Citi Mortgage XXXX lender. He suggested that if I Open a Citi Checking account and deposit {$50000.00}, I will get a better interest rate on my Mortgage. I did the same and opened a account and deposited XXXX. Once the Mortgage is closed, I tried to withdraw the money to use for my investments and Citi has flagged my withdrawal request as fraud and closed my account. 

I tried calling the customer support multiple times and they either hung up the calls on me with out giving me more information on how and when I receive my money back or they try to help but say that this is handled by their internal department who does not have a direct phone to reach. The customer support team tries to email this internal department and does not hear back for weeks. I also tried going to the Citi physical bank location near by home and they are of no help either. 

Account opened XX/XX/2022 Balance on XX/XX/2022 - {$50000.00} Citi closed the account on XXXX XXXX, 2022 Now I am at a loss on how to get my funds back to me. Customer support and/or their physical locations are really helpless.
Complaint sub-issue: Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I HAVE NO IDEA AS TO HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT FILE. IT IS WITHOUT A DOUBT THAT MY IDENTITY HAVE BEEN ATTACKED BY SOMEONE UNKNOWN TO ME. I AM VERY CAREFUL WHEN IT COMES TO MY PERSONAL INFORMATION. 
THIS SITUATION IS CAUSING ME A GREAT DEED OF STRESS SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE DEROGATORY ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Complaint sub-issue: Deposits and withdrawals

My account has been locked by Citibank for over a month. 
I was advised to go to a branch to get it settled but they have no branch locations. 

I call customer service and was told my account was under review and they have decided to close my account with in 60 days. 

I have written letters requesting that they not close my account as I have had an account with them since XXXX or so with no over drafts nor excessive usage. 

I have a checking account and Instant loan account which I also never use and a brokerage account. 

I also have my XXXX account attached to the account. 
I can not use my debit card which I don't use but I do use the XXXX. 
XXXX says I have to contact the bank to get them to release my phone and email before I can attach it to another bank. 
All of my XXXX  payments have been verified by the senders and no one has filed any complaints about sending me the funds. 

XXXX XXXX
Complaint sub-issue: Debt was result of identity theft

It clearly demonstrates that information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit. I've learned that I can seek Injunctive Relief through the courts.This is a false and misleading tactic used by the creditor and is it illegal.Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed.Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX.As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishes of the quality of my life.
Complaint sub-issue: Can't close your account

I closed the account in XXXX XXXX after CitiBank continued to freeze my account for any and all purchases made with recognized merchants and regular occurrences ( i.e. XXXX, grocery stores, etc ). I called in and paid the account up and asked to close the account and any remaining fees. 
In XXXX XXXX the card charged me the XXXX $ annual subscription and later a fraudulent charge in XXXX XXXX. 
In XXXX XXXX I was notified of the late fees. I called in to resolve both charges on the account as I had previously closed the account, and the XXXX XXXX would be a fraudulent as I destroyed the cards previously. 
I had to call in XXXX separate times to fall up on these issues with CitiBank, was tossed around to XXXX different departments including their initial inquiry line, customer service, sales department for the annual fees, citi dispute department for fraud, and an escalation XXXX. The customer service department i escalated to XXXX and was assured they would waive the XXXX $ fee if i paid the XXXX $ fraudulent charge- to which I declined paying either. They said they would waive the fee but send me to the dispute department to handle the additional fee. I was forwarded to this department who was the most sympathetic to the bounce around and issues and opened/resolved the fraudulent charge and sent me to an escalation XXXX to ensure the account was closed as I asked for phone records to be evaluated. The escalation XXXX at that time told me they would have this monitored but could not hand me any reference numbers for calling back to monitor status as they are internal work orders. 
I started a new business in the new year and was attempting to open a business credit card and the only reason I was unable to is the late charges I have now accumulated from the XXXX $ annual fee never paid with my continued open disputes with CitiBank that I am constantly assured they are investigating or resolving. 
I called back XX/XX/XXXX to find out the fraudulent charge was indeed resolved, but the XXXX $ fee for XXXX was never paid up and I have been accumulating late charges now totally XXXX $ as of this point that needed to be paid. I once again bounced from the inquiry line XXXX to customer service XXXX to a citi dispute XXXX to then an escalation XXXX named XXXX in kentucky who once again had no notes on anything I detailed above and could provide no reference numbers for when i am tracking or trying to follow up on the status for these charges. XXXX reports that this never went to an escalation XXXX previously from when I was told it was, and she thought my account was not closed fully once again despite me having a letter it was closed, and that it was probably only a security closure. She assures me she is looking into it and the phone records ( which I was told previously ) but once again can not provide an issue reference number for tracking as these are internal work orders. 
Additionally, since last speaking to an escalation representative this morning, I now can no longer access the previous documents that showed my account closure notice and the fraud dispute resolution.
Complaint sub-issue: Problem with statement of dispute

Trying to get a judgement removed, from Equifax, ... I faxed a true copy from the Clerk of Superior Court stating " This judgement is satisfied in full as to principal, interest, and cost and the same is hereby cancelled of record on XX/XX/2012. '' Transunion has already removed it ... Equifax states it has to be on there for 7 years Being the widow of a XXXX veteran, my credit is all I have.
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. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs for the remainder of the victims lives. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

I never authorized equifax or any credit agency to store my data, track my data, or sell my data. Now they have exposed me and millions of others to a lifetime of identity theft and possible financial ruin. This is unnacceptable and needs a strong response.
Complaint sub-issue: Information belongs to someone else

I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section 609 [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. Accounts : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX
Complaint sub-issue: Debt is not mine

I have a few accounts that it was n't even me. On XXXX account and XXXX, my phones were stolen and i was locked up in prison at that time.
Complaint sub-issue: Information belongs to someone else

There are numerous collections listed on my credit report that I have no knowledge of. This was a result of malpractice or an error which is negatively impacting my credit worthiness.