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

I used to bank with Simple which is now owned by BBVA. In 2018 I had a personal checking and a shared checking account. The person I had the shared account without my knowledge contacted the bank to close the shared account. My personal account was also closed and when I called to speak to anyone they would tell me nothing and literally just hang up on me. They would as for my info and until they look at my account they would be rude. I had tried numerous times to get answers as to why my account was closed and why shared account was closed without my knowledge or given notice.
Complaint sub-issue: Debt was paid

This claim is for false insurance interpretation that XXXX XXXX group intentionally lied about and did not coordinate with my insurance company XXXX. After my first XXXX session, I was informed that XXXX WAS COVERING for the XXXX and that all I needed to pay was a co-pay every time I went in for XXXX. I paid my co-pay every time of {$40.00} per visit. After my nine sessions of XXXX had been completed, XXXX XXXX XXXX sent me a letter of past due balance for the complete amount that XXXX was supposed to be paying. They intentionally did n't tell me that XXXX was n't paying so that I would not stop coming to their facility and they could charge me at the end. They lied to me in order to keep my business. If they would have been honest from the start and told me that my insurance company XXXX was n't going to pay then I would have located a clinic that XXXX would cover for my XXXX. It was n't too long before XXXX XXXX XXXX transferred my account to your collections company AR Resources Inc.so that they could close their books on their end and receive their funds. 
This debt is not owed and illegal as deceptive practices were committed to put their own profits ahead of the interests of their patient. This alleged debt is in violation of the Consumer Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collections Practices Act.
Complaint sub-issue: Was not notified of investigation status or results

I have XXXX  names and primary names that are not correct and alot of unauthorized inquiries and one account marked late that I was not late on
Complaint sub-issue: Problem with statement of dispute

I contacted XXXX XXXX with Equifax XXXX XXXX because I was not being properly helped when I submitted fraud disputes. I have been the victim of identity theft and have been having a problem for many years with people opening accounts in my name and making inquiries into my credit history. I have provided Equifax with a copy of my police report, my identity theft affidavit, and other relevant information to prove I was a victim of fraud. Most recently I forwarded XXXX XXXX Equifax XXXX XXXX a actual fraudulent letter that I had received from a hacker/scammer that was demanding money from me fraudulently and they had included my social security number in the scam letter. I provided this to XXXX XXXX so that he would be assured that I was sincere in my efforts to be assisted because I was continuing to be the victim of fraud. XXXX XXXX took my complaint to him, and forwarded it to the consumer affairs department and did n't even bother to call me. When I called to follow up on the matter I spoke to someone named XXXX who claimed to be a supervisor in the XXXX. She told me that Equifax was not treating my claim as a fraud dispute, but as a regular dispute and that they did n't believe that I was a victim of fraud. What more could I have done but to actually provide a letter form a hacker/scammer. I have also been given free assistance from the Department XXXX XXXX XXXX because my personal information was breeched through their website ... .and I have provided a letter stating as such from the XXXX. I have been mistreated and not helped by Equifax even when I have provided over whelming proof of what I was experiencing.
Complaint sub-issue: Information belongs to someone else

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Complaint sub-issue: Problem canceling credit monitoring or identify theft protection service

On XX/XX/XXXX, I was alerted that someone had stolen my identity. 
Upon checking my credit report, I noticed that CITI Bank was one of the institutions that the fraudsters had used to open up accounts. 

While other companies were helpful, Citi Bank has not. Just a couple weeks ago I was notified that a new account was opened via XXXX XXXX, and when I called to cancel and claim fraud, they told me that team was out and I needed to call back on Monday. And then on Monday, they told me that an account was never opened. 

Then again today, XX/XX/XXXX. I was alerted that a " PII '' was opened. The fraud department could not verify this ( which makes no sense ) so then they transferred me to the loan department. The loan department asked me for my security questions. I told them I do not have an account there so those are not my security questions and I need to cancel whatever account that is in which I was told " we could not continue without the security questions. '' I asked how that made sense and he said that no one could help me unless I got the security questions. I was then told to " stop talking '' because I asked what my next steps where. 

At this point, I can not confirm what kind of account was open or what it is since CitiBank continues to let fraudsters open up accounts under my name and won't let any accounts be closed.
Complaint sub-issue: Account status incorrect

I write to demand that US Bank investigate and respond to every complaint that I may make to the CFPB as filing false, misleading, inaccurate responses especially those to close EX PARTE investigations through concealment us a very serious matter much worse than willful FCRA violations. I complained to the CFPB that US Bank was in willful violation of the FCRA by refusing to promptly report my 2 accounts as closed. Subsequently, based on newly discovered data about US Bank reporting my 2 accounts as OPEN to XXXX on XX/XX/2023, I filed another good faith complaint with the CFPB due to remedy the Facially False Data from continuing to appear. To avoid responding to my new complaint with pertinent information, US Bank summarily closed my second complaint EX PARTE to avoid response, to conceal the facts or avoid investigation. On XX/XX/2023, US Bank mailed me the attached letter stating that it reported my accounts as closed. However, that is false as it reported my accounts to XXXX as OPEN on XX/XX/2023. The truth matters!!!
Complaint sub-issue: Other problem getting your report or credit score

At this time, I respectfully request a copy of my XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Complaint sub-issue: Information belongs to someone else

Equifax refuse to remove items from my credit report that was due to fraud.
Complaint sub-issue: Old information reappears or never goes away

There is an old outdated account that is past the statute and unverifiable and still remains on my credit file. I have disputed this several times with nothing back. 

XXXX XXXX
Complaint sub-issue: Information is missing that should be on the report

On XX/XX/2019, XXXX XXXX promised me a corrected updated credit report and they never mail it to me. I do not have my XXXX report that shows XXXX 's XXXX. damage is off my report.
Complaint sub-issue: Don't agree with fees charged

I have attempted to verify this account and to prove that it indeed belongs to me, but I have received no mail correspondence or verbal confirmation. All is I am able to see is a negative entry on my credit file. I have tried calling, sending certified mail letters ( XXXX ), but this company will not respond. It have been several months since I started an investigation on this company. I tried several numbers to reach this company. I called XXXX spoke with XXXX. He transferred me to the collections department. Who then sent me to XXXX XXXX at XXXX and got transferred to the business banking department, who could not help me and got transferred to XXXX. I spoke with XXXX who transferred me to the Education Finance department at XXXX Who stated they he could not find any account of me. This company has been asked several times to validate this account. They are reporting that I missed a payment in XX/XX/XXXX, but this account has already been closed since 2012. This account has been closed for XXXX years and they are now reporting on my credit I have a recent late payment. Their are reporting inaccurate and derogatory information on my credit file. Please remove the unverifiable derogatory information from my credit file. It has been over XXXX days. This information must be removed or I will escalate to the FTC.
Complaint sub-issue: Information belongs to someone else

I have discovered that some accounts are not mine. I would like to dispute them and I believe that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. I have never signed for or agreed to these charges. I believe that someone else may have a relative that may have forged my name ( or used my personal information ) in order to take out credit without my knowledge, consent, and permission.
Complaint sub-issue: Debt is not yours

I received a letter from debt collector, Unifin. I called Unifin because I am in complete disagreement that I owe any debt. Unifin told me that they had no information regarding the debt other than they were directed to collect the debt. The debt description was " XXXX '' on the letter, I called XXXX to research and understand the debt. XXXX went through their records and found that I have NEVER owed any money to XXXX, there has never been any debt owed from me to XXXX. So I called XXXX XXXX who claimed to have purchased the debt from XXXX and then redirected the debt to Unifin. XXXX XXXX was adamant that I owed them the debt and that regardless what XXXX said, my debt had been sold to XXXX XXXX. XXXX XXXX claims they sent me a letter in XX/XX/2021 to collect the debt and I never responded. So now in XX/XX/2021 I received a letter from Unifin to collect the debt. I immediately reached out to Unifin to understand what the debt was all about. 
I completely disagree with this debt and collection - I have no credit with XXXX, never have. I believe XXXX XXXX is acting fraudulently claiming I owe debt that I do not.
Complaint sub-issue: Trouble with how payments are being handled

I was denied loan forgiveness under the TEPSLF stating I had not made enough qualifying payments from a recent letter dated XX/XX/XXXX. I had XXXX on XX/XX/XXXX, and still have XXXX as of XX/XX/XXXX. I have submitted all my Public Service Loan Forgiveness Certifications forms from my employer, and yet they said they have not had time to update my payments, which disqualifies me for student loan forgiveness. They can not give me a time line as when this will be updated and laughed at my request. I have been through this before with them, and NOTHING HAPPPENS. I am so upset at the lack of cooperation, honesty, horrible communication, and lack of respect. My loans are to be forgiven this XX/XX/XXXX. I have never missed a payment and have followed all the rules regarding PSLF, it makes me sick at how this company can be so dishonest.
Complaint sub-issue: Information belongs to someone else

I went to help my daughter get and apartment, while i was there, I was informed by management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$75.00} XXXX {$150.00} XXXX XXXX XXXX {$530.00} XXXX {$820.00} XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$140.00} US DEP ED XXXX {$57000.00} XXXX XXXX {$13000.00} USDOE/XXXX XXXX {$14000.00} CHAPTER XXXX BANKRUPTCY DISMISSED
Complaint sub-issue: Didn't receive terms that were advertised

I did not receive Citibank promotional bonus {$700.00} at XX/XX/XXXX, however I confirmed with Citibank 3 times that all the requirements and criteria were met, and I was assured by Citibank 3 times that they would credit me {$700.00} around the beginning of XXXX. 

Detail timeline and actions : 1. At XX/XX/XXXX, I opened Citibank Priority Package with the promotional bonus {$700.00} upon meeting all the requirements. ( attached promotional web page screenshot - " promtionx '' ) 2. At XX/XX/XXXX, I checked the Citibank agent about the status of the bonus and the agent confirmed I had met all requirements and {$700.00} would be credited at XX/XX/XXXX. (  attached the chat screenshot - " XXXX '' ) ** XXXX at XXXX, XX/XX/XXXX : I see here that you made the required deposit amount on XX/XX/XXXX and maintained it for 60 days from the date of the deposit which was until XX/XX/XXXX. It states here that the cash bonus will be credited within 90 calendar days from the date that you completed the 60 days requirement to maintain the deposit. It should be credited on XXXX XXXX. " ** 3. At XX/XX/XXXX, Citibank agent reconfirmed all requirements were met to receive the bonus and I would receive the bonus at XX/XX/XXXX ( attached the chat screenshot - " XXXX '' ). 

** '' XXXX at XXXX, XX/XX/XXXX : I review this for you and see that the account did met the requirement should be credited to the account on or before XXXX XXXX '' ** 4. At XX/XX/XXXX, I contacted Citibank agent again since I did not receive the bonus at that date. Citibank agent again confirmed I met all criteria and asked me to wait till XXXX XXXX XXXX ( attached the chat screenshot - " XXXX '' ). 

** '' XXXX at XXXX, XX/XX/XXXX : I see that you have opened your account on XX/XX/XXXX 1. You have deposited the fund before 30 days that is on XX/XX/XXXX 2. You have maintained the balance for 60 days which is till XX/XX/XXXX I see that you have fulfilled all your criterias on XX/XX/XXXX Usually it takes 90 days to get credited in your account after meeting all the requirements which is XX/XX/XXXX. 

Your patience will be appreciated. 

I'm sorry if you have been provided any incorrect information earlier. 

Sincere apologies. " ** 5. At XX/XX/XXXX, a dispute about bonus was filed to Citibank. At XX/XX/XXXX, the dispute result concluded I was not qualified for the promotional bonus ( attached the dispute result letter - " document '' ). 

It was not acceptable to me that Citibank confirmed yes several times at first but did not honor it in the last.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the following list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : ( XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX # XXXX, has violated my rights. 
( XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
( XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
( XXXX ) XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
( XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
( XXXX ) XXXXXXXX XXXX XXXX # XXXX, has violated my rights. 
And ( XXXX ) XXXX XXXX # XXXX, has violated my rights. 

Please note : In the Fair Credit Reporting Act ; 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 a account without my written instructions ; 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 ; and 15 U.S.C. 1681s-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Therefore, this issue needs to be resolved immediately. Thank you for your assistance in this matter.
Complaint sub-issue: Information belongs to someone else

I understand your and the companies " reply. '' However, I sent all the information by hard copy in response to their hard copy letter of inquiry. 

My response was mailed USPS Priority, Return Receipt Signature Certified. 
From my USPS office, to XXXX, their offices is XXXX XXXX maximum delivery time. They have had ample time to sign the receipt and confirm my very complete package of documentation mailed to them on XX/XX/2022. 

Why have they not confirmed the receipt of the documents?
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX has been reporting this auto loan to my credit files since XX/XX/2013. It has now been 7 years and I gave the car back to them. But they still reported my account 30 days for the last 7 years. It is supposed to be deleted from my credit report. But they aren't deleting it. They will find some excuse for why its still being reporting.
Complaint sub-issue: Their investigation did not fix an error on your report

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 : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed 7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed 8. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed 9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed 12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed 13. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed 14. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed 15. The following personal information is incorrect Account Number : NAME : XXXX XXXX 16. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 20. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
21. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2020 i filed disputes with all 3 credit bureaus. I have yet to received a reply from any of them. Its has now been over 50 days and i feel that more then enough time to reply to my request.
Complaint sub-issue: Information belongs to someone else

EQUIFAX has failed to protect my file and information. I have 3 fraudulent acounts on my credit file. I disputed all three XXXX XXXX, XXXX XXXX, XXXX XXXX. They did remove XXXX XXXX and XXXX XXXX  which are fraud but put them back on 6 months later. You cant delete fraudulent accounts and then put the same accounts back on my file and have no reason. I have addresses i never lived at on file i disputed those and Equifax cant seem to get there stuff together. Their customer service reps hang up on you when you press them about Equifax mistakes and how are they going to fix them. Their dispute process is a joke they are jeopardizing millions of Americans information a on top of that there is major incompetence within its work staff. My credit file is a mess with inaccuracies and fraudulent information on it. I have exhausted all my resources in trying to fix my file. We need another Congressional hearing about this company and there mishandling of my credit file and so many other Americans