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

Today, XXXX XXXX, 2017, I called Citibank to close my AAdvantage Platinum Select credit card. I was referred to a " senior account specialist '' whose job was clearly to talk me out of closing my account. I calmly and politely explained my reasons for closing the account figuring they would make sense : I do n't use the card anymore, have n't used it in a year and a half, and do n't want to keep paying the annual fee for something I 'm not using. <P/>This person kept pressing me not to close the account, and despite my continued explanations it sounded like he was following a script instead of actually listening to me. For instance, he was amazed that I had no balance on the card and always paid it off on time ; is that so surprising when I have n't used it in over a year? He offered to refund the full annual fee instead of a pro-rated amount if I first spend {$1000.00} in the next 3 months on the card ; I responded that I was not interested and would rather just close today. STILL he kept pushing, and at this point I got angry. Despite his continued emphasis on being able to get my full annual fee back, I told him I saw through his game : this is a ploy to get me to keep the card, try to follow a bunch more little rules, and be too lazy to call back in 3 months. He 's probably right that I would n't do all of that successfully ; that 's why these banks have so much money! Yet I had to yell at this guy repeatedly to get him to finally give up and close my account, which he eventually did. <P/>I wanted to be proud of myself for finally getting around to crossing this off my todo list. Instead I had to get angry and exasperated ; a calculated move, since he clearly was n't listening to me when I was being polite, but that does n't make it easer or less stressful. That awful memory will be my parting experience with Citibank. <P/>You can tell Citibank that they just lost a customer permanently ... unless they decide to pull a XXXX XXXX and reopen the account without my permission, of course. After that phone call, they sound like exactly the type of company to do such a thing.
Complaint sub-issue: Was not notified of investigation status or results

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports. This creditor has reported a late payment DATE to my report which is incorrect, and I am asking this be deleted immediately. 
Name of Creditor XXXX Account Number XXXX Late Payment Date XXXX XXXXXX/XX/2020 Name of Creditor XXXX Account Number XXXX Late Payment Date XXXX XXXXXX/XX/XXXXXXXX XXXX
Complaint sub-issue: Information belongs to someone else

This is very troublesome, I have requested that this information be removed/blocked from my credit file due to identity theft. I am getting no where. Equifax will remove some items and overlook others that are on the same report. It is as if they are overlooked and not regarded. then when you call to speak to somoene it is like you dont even exist, This is so unfair,
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These hard inquiries have been on my accounts and I do not recognize them at all, I have made multiple calls to the fraud departments at XXXX, Equifax, and XXXX however no one assisted me. I am attaching an identity theft report to this complaint. 
Hard inquires that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  ( RAN ON MY REPORT 3 times ) XXXX XXXX XXXX XXXX XXXX  Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i XXXX Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Complaint sub-issue: Public record information inaccurate

My XXXX  and equifax credit report show that they are using a 3rd party XXXX  XXXX to verify a bankruptcy on my credit report. This is a violation of the fair Credit report act. There are errors in this report. I have contacted the courts ( letter attached ). They have not verified any of this information with XXXX or Equifax. 

In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report. If you can verify the information you have listed as accurate, please provide the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional remedies.
Complaint sub-issue: Information belongs to someone else

EQUIFAX has violated multiple of my federally protected rights as a consumer and will now be subject to criminal and civil liability if these items arent removed immediately.the following rights were violated. 
15 U.S. Code 1611 ( 1 ) 15 U.S. Code 1611 ( 3 ) 15 U.S. Code 1681a ( 2 ) 15 U.S. Code 1681c-2 ( a ) 15 U.S. Code 1681b 15 U.S. Code 1681n ( b ) I HAVE NEVER GIVEN ANY WRITTEN CONSENT TO ANY CONSUMER REPORTING AGENCY TO REPORT ABOUT ANY OF MY PRIVATE DEALINGS OR INFORMATION. THIS SHARING OF MY PERSONAL INFORMATION WITHOUT MY CONSENT IS IDENTITY THEFT.I HAVE NOT GIVEN CONSENT TO ANY CONSUMER REPORTING AGENCY EVER. PURSUANT TO 15 U.S. Code 1681c-2 YOU MUST BLOCK ALL INFORMATION RESULTING FROM AN ALLEGED IDENTITY THEFT NOT LATER THAN 4 days. a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
PURSUANT TO 15 U.S. CODE 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.MY CONSUMER REPORT CAN NOT INCLUDE ANY PERSONAL TRANSACTIONS BETWEEN MYSELF AND ANY PERSON WITHOUT MY WRITTEN INSTRUCTIONS.BLOCK AND REMOVE ALL ITEMS LISTED IN THIS IDENTITY THEFT REPORT. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. I request a list of all the names of all the neighbors, friends, or associates interviewed as any item listed in this report was not obtained by information from any of those individuals. 
YOU MUST REMOVE THE FOLLOWING FRAUDULENT INQUIRIES PER FEDERAL LAW : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EVERY LAST ONE OF THESE INQUIRIES IS FRAUDULENT.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C XXXX XXXX XXXX FIN # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Complaint sub-issue: Other problem getting your report or credit score

After calling in to dispute something on my Equifax credit report, I landed with the rudest and most incompetent customer service rep. After he hung up on me, my account email address was changed twice without my permission. I emailed support multiple times and received no reply. Now I am unable to log into the website. I have opened two complaints with the XXXX, no response. The agent was upset that I got upset because he was so rude and lazy and incompetent, that he somehow got the company to retaliate against me. I am unable to do anything in the system. I have not tried to call yet, but I don't expect it to be any better, most of their agents barely speak XXXX! Email should be the XXXX XXXX, not the one on this complaint.
Complaint sub-issue: Account status incorrect

The following student loan companies still show me having balanced and I no longer do. 

XXXX dates posted ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). These should all be removed. 

XXXX dates posted ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). These should all be removed. 

US DEPT of EDXXXX reports on my credit report twice and it should only be once. The report on XX/XX/XXXX Should be removed. 

Student loans will ruin your life forever.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I was checking my recent credit report, and I have noticed that there are multiple inquiries from different banks, that I had no idea about. I did not authorize any of these banks to run my credit and put inquiries on my credit report.
Complaint sub-issue: You told them to stop contacting you, but they keep trying

I had negotiated a settlement with XXXX for a XXXX VISA card. Despite making two payments to them and receiving several correspondence that my account was fine, " out of the blue '' I started to receive what, in my opinion, is continuously harassing phone calls from Alltran Financial , LP. I spoke with their representative, XXXX XXXX XXXX, and told her I had previously arranged a settlement with XXXX. I encouraged her to contact XXXX for further information. Despite this, she continues to call. I have also made numerous and repeated attempts to contact XXXX. But, either the call gets transferred to departments that are closed or they " fall on deaf ears '' by XXXX representatives who refuse to correct the problem. This has been very taxing on me emotionally and is also negatively affecting me financially.
Complaint sub-issue: Information belongs to someone else

Ive sent a letter to credit bureaus asking them to remove items it belong to Ex husbandI didnt get a response back from XXXX or XXXX XXXX Equifax
Complaint sub-issue: Information belongs to someone else

XXXX XXXX has fraudulently been using my SSN since XX/XX/XXXX and in XX/XX/XXXX was convicted in open court of identity theft, ordered to stop using my SSN and released. She has not only continued to use my SSN, she has my current contact info and is opening accounts with my cell phone number which was changed a year after she was convicted. 

Equifax & XXXX  wont don't anything to help me as my information does not " match '' their files ( duh ), but the same fraud alerts were placed with them for the same reason going back to XX/XX/XXXX and they still have done nothing to correct their records. 

I have gone round and round with XXXX XXXX, XXXX XXXX, XXXX XXXX  and multiple Collectors to absolutely no resolution for the past several years and as recently as XX/XX/XXXX. These institutions left the fraudulent accounts open because I couldn't prove who " I '' was. I have filed multiple police reports and requested assistance from my State Rep and every time I receive the answer that " No Identity Theft or Fraud was Found ''. 

Equifax 's site only allowed entry of a few of the items from the fraudulent history, but every single account listed on there is fraudulent & now wont even talk to me on the phone as their records have my name spelled incorrectly and even though I confirmed all my security question information correctly. In addition, because I cant " prove who I am, I can't even place a fraud alert '' With regard to XXXX, I can not even ACCESS my credit Report and they won't talk to me either .... 

9 years now,,, and Im still jumping through hoops to resolve this! The ONLY bureau that has everything correct is XXXX.
Complaint sub-issue: Was not notified of investigation status or results

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and saw inaccurate information regarding my BANKRUPTCY ACCOUNT Chapter XXXX Bankruptcy Case Number : XXXX. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA 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 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 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TODAYE DATE:XXXX
Complaint sub-issue: Other problem getting your report or credit score

I am having trouble understanding how my credit score is calculated. I've reached out before, but I was told that it fluctuates. Here is my issue : I've been working so hard at paying down my debt as I am looking for a new home. Today, I received a notification from XXXX XXXX that my Equifax credit score dropped. As of today, XX/XX/2020, my score is at XXXX, dropped 11 pts. When I select " see what changed '', here are the changes : Positives in Green : 1- Credit Limit increase on an account by {$450.00} 2- Balance decrease on credit  card by {$310.00} ; credit usage went from 105 % to 0 % 3- Balance decrease on credit card by {$420.00} ; credit usage went from 86 % to 0 % 4-Balance decrease on credit card by {$590.00} ; credit usage went from 96 % to 32 % 5-Balance decrease on loan by {$120.00} Negative in Red : 1- Balance increase on credit card of {$30.00} ; credit usage went from 69 % to 63 % Can you please explain why my credit score dropped instead of increased? This does not make any sense to me. 
Thank you.
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 : 1. XXXX  XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : XXXX XXXX XXXX as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Complaint sub-issue: Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. 
I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.
Complaint sub-issue: Investigation took more than 30 days

I have filed a dispute with the three major credit bureau 's and the investigation took well over 30 days.
Complaint sub-issue: Account information incorrect

XXXX, Equifax and XXXX are reporting inconsistent information. They are all reporting different payment amounts, balances owed, date of charge offs, and more. This is my second notice I am sending to the bureaus of this inaccuracy. I have received no verifying information. I have attached the letters and the account information for your reference. Please remove the following accounts from my credit report. XXXX XXXX XXXX and XXXX XXXX
Complaint sub-issue: Can't close your account

I had fraud on my account and closed it months ago. Now there is a negative balance because of overdrawn funds and no reason for it. I filed a previous complaint and spoke to a manager about closing my account. They said it was closed. If it is closed, how are bad checks still being written against this account and why is there a negative balance? Why can't Citi Bank just do what they said they would do? Their management is terrible, and their customer service is like talking to a box.
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX 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 U.S.C 1681 section 602 A. States I have the right to privacv.

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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Personal information incorrect

My current address is XXXX XXXX XXXX XXXX NJ XXXX all the other address that is showing on my credit report is Fraudulent and need to be removed with all the accounts that are reporting them
Complaint sub-issue: Their investigation did not fix an error on your report

I am a XXXX XXXX  XXXX veteran. My Federal Student Loans have been discharged due to my XXXX. None of these Federal Student Loans were ever late or in repayment status prior to my XXXX XXXX effective date of XX/XX/XXXX. During the administrative work with SSA and XXXX XXXX. XXXX  XXXX and Nelnet to process my XXXX discharge the loans were placed in late payment status. Nelnet sent me a letter to correct this with all 3 credit bureaus. I submitted the letter from Nelnet to all 3 credit bureaus and all 3 have refused to remove any late payment reporting on these Federal Student Loans. I have disputed the accounts to no avail with all 3 credit bureaus. 

The credit bureaus have not removed the late payment markings on XXXXXXXX XXXX XXXXXXXX./Nelnet Loan updates in XX/XX/XXXX and XX/XX/XXXX. 

Again, none of these loans were ever late prior to my XX/XX/XXXX Social Security XXXX XXXX XXXX onset determination date. 

The dates of misreporting are last reported during XX/XX/XXXX-XX/XX/XXXX. There are about 33 occurrences of this error in each report, often with 7-14 months labeled as Late Payments from XX/XX/XXXX-XX/XX/XXXX. This constitutes approximately 231 incorrect items per month since XX/XX/XXXX subject to FCRA penalties or fines.