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

I'm a loyal customer with Citibank for more than 7 years. The Citibank checking account was actually the first bank account I opened when I arrived in the US. A few years later, I started a saving account with them. 

On last Saturday ( XX/XX/2020 ), while I was trying to check my balance and logged into my account page via desktop. However, I could only see the balance but was not able to view the transactions. The webpage said " We've encountered an issue and are having a problem processing your request. '' This happened before because of the Citibank.com tech issues. Therefore, I did not really paid attention to that. However, when I checked the account from my mobile app, I found that both of my checking and saving accounts were close. Without any notice, my accounts were closed! I was totally shocked. It was pretty late already so I used the online chatting tool to get help. I was told that the online customer service does not have the authorization to view my case and I wad lead to a phone number. I called the number they gave me ( XXXX ) the next day ( XX/XX/2020 ). After a long time waiting to reached to a customer representative. The person told me that the Citibank had made the final decision of closing both of my accounts and I would not be able to receive any payments. When I asked for the reason he started repeating the scripts. I asked him if I could get my money back and when. He told me I would receive a letter in 30-60 days explaining the next steps after they reviewed my accounts. 

For seven years with them, except 3 times overdrawn, I never did anything risky ( the overdrawn have not happened for a long time and I paid them clearly soon after it happened ). This decision came from no where and was not reasonable. Having no access to my fund for 30-60 days will put my life in a very difficult situation, especially during this covid-19 pandemic time. When I pointed out the recklessness behind their decision, the customer service person told me he needed to hang up and that was it. I realized the phone call would not go further either, so I started to unlink all my service with this bank account. But it was still too late. I updated my direct deposit setting with my employer on XXXX, but I still missed the payment which should have came in on today ( XX/XX/2020 ). 

I double checked my emails and mails, but never found any notice from Citibank asking me for any information to keep my accounts or warning me for the risk of getting my accounts closed. With no access to my checking and saving balance and missing my new paycheck, my life could not go on right now. I think what they did to me was 100 % unfair and unreasonable.
Complaint sub-issue: Old information reappears or never goes away

XXXX XXXX keeps adding SEVEN year old debt to my EQUIFAX credit report as NEW debt. I have not had a XXXX XXXX account since XX/XX/XXXX. I defaulted on a contract in the amount of {$1400.00} which was subsequently dismissed in Bankruptcy court in XX/XX/XXXX. EQUIFAX will not validate nor remove the debt even though I have disputed it at least 6 times in the last two years. I have dispute records. I want this illegal debt removed because it is now over SEVEN years old.
Complaint sub-issue: Public record information inaccurate

ON XX/XX/2021, I received a notification from my credit monitoring service the Citibank inserted an negative account in the amount of {$4200.00}, on my XXXX  credit report without any prior notification. 

I immediately reached out to Citibank for assistance and explanation who hung up the telephone several times and then told me to writing a letter. 

I do not owe Citibank, my account is and has always in good standing never late, never missed any payments. 

I believe this is retaliation based on my race, color, sex and for numerous complaints file with CFPB Citibank intentionally set-out to lower the credit score of XXXX Americans This is a clear violation for FCRA, I want this act investigated and Citibank held accountable for the aggress act.
Complaint sub-issue: Can't close your account

A Cash App Visa Debit account was fraudulently opened by someone using my personal information. I received the card on XX/XX/2022 and worked with XXXX XXXX XXXX as well as calling and emailing Cash App in an effort to get this card closed. After sending the requested information and card number via secure link to Cash App, I followed up two days later to ensure the account was closed. I then received another link requesting photo of front and back of debit card. XXXX XXXX advised me not to send the photo. XXXX XXXX has tried to contact Cash App since this time in an effort to close the account, but has been unsuccessful.
Complaint sub-issue: Their investigation did not fix an error on your report

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 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: Didn't receive enough information to verify debt

There is a collection account listed on my personal credit file that is NOT mine. Showing XXXX XXXX XXXX for {$470.00} again this does not belong to me. I want this removed and some help
Complaint sub-issue: Their investigation did not fix an error on your report

I have been working on getting my credit corrected and every time you call they tell you something different I can never understand what they are saying you send all the police report and documents they ask for on dispute something and when you ask about it they tell u they dont have it I had several reps hung up on the phone call and continue to put me on hold no one should be able to do this that has control of important information you tell them you speak English and nobody you talk to speak clear English it is so stressful doing all you can and the credit reporting company allows this with Covid-19 taking over it has been hard on the world and it needs to stop this company needs to be investigated on how the credit reporting is being done
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the account numbers listed here has indeed violated my rights. Account numbers ( XXXX ). ( XXXX ). ( XXXX ). ( XXXX ). ( XXXX ). ( XXXX ). ( XXXX ). ( XXXX ). ( XXXX ), ( XXXX ). ( XXXX ).. 15 U.S.C. 1681 section 602 A. States that i have the right to privacy. " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to Privacy. 15 U.S.C. 1681 section 604 A section 2 Clearly states. A consumer reporting agency can not furnish an account without my written instructions. In general, any consumer reporting agency may furnish a consumer report under the following circumstances AND NO OTHER. ( 1 ). In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. And most importantly ( 2 ). Clearly states, or in accordance with the written instructions of the consumer to whom it relates per Congress. In sum Congress stated that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system 15 U.S.C 1681 .....
Complaint sub-issue: Can't close your account

I recently opened the account on XX/XX/2019. It is not what I thought it would be, no checks, and no ATM, etc. As a XXXX person on Social Security, I was looking for a new fee account, but this is not working for me. So I want to close the account. I paid one deposit for {$25.00} and made a cell phone bill for {$25.00} making a XXXX balance, what I am afraid of they will start charging me for no money in the account and try to collect, thus I want to close this account
Complaint sub-issue: Was not notified of investigation status or results

This was not sent in error, I am XXXX XXXX a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit repoRT and. Unauthorized use of my credit report I demand deletion of the items
Complaint sub-issue: Old information reappears or never goes away

I SENT XXXX LETTERS TO XXXX, EQUIFAX AND XXXX. THEY HAVE NOT RESPONED TO REMOVE ANY OF THE ADDRESSES. IT HAS BEEN OVER 60 DAYS AND I NEED THEM TO REMOVE THE INFORMATION ASAP INSTEAD OF SENDING ME A CREDIT REPORT OR I WILL GET MY LAWYER INVOLVED.
Complaint sub-issue: Frequent or repeated calls

Amount they are claiming I owe XXXX : {$80.00} They have called my personal cell phone number from the number ( XXXX ) XXXX on the following dates and times : XX/XX/2018 at XXXX XX/XX/2018 at XXXX XX/XX/2018 at XXXX They also used the following number on XX/XX/2018 at XXXX : ( XXXX ) XXXX I have received multiple collections letters in the mail claiming to be coupons and other misleading things from this company. 

On XX/XX/2018 this company called my girlfriend on her personal cell phone number at XXXX from the number XXXX XXXX XXXX XXXX. 

They also called her number on XX/XX/2018 at XXXX from phone number XXXX XXXX XXXX XXXX When answered the calls are completely silent. Upon calling them back it's revealed that its this collection agency. 

This debt is originally owed to XXXX from a no contract phone service. They keep reporting to my credit as a recent debt to keep collecting. I've checked my credit reports and their claim keeps getting updated as if I just acquired it.
Complaint sub-issue: Was not notified of investigation status or results

There is information on the equifax report that I never incurred. I have asked for an investigation to be initiated which was done and I was given a reference number to that fact. I never received the results of the investigation. Furthermore Eqifax states they can not verify me. If that was the case then how would they give me a reference # XXXX   and let me know the investigation is in process The information that I requested to be removed since it is not mine is as follows : 1 ) XXXX   opened XX/XX/2015- XXXX XXXX XXXX.

2 ) XXXX   Opened XX/XX/2013-XXXX XXXX XXXX
Complaint sub-issue: Debt is not yours

Enhanced Recovery Systems is continuingto report a collection account to my consumer credit file. If Enhanced Recovery Company has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsiblefor this account that I agreed to and authorized the alleged debt that Enhanced Recovery Company is attempting to collect. Enhanced Recovery has no legal right to attempt to collect a debt. Enhanced Recovery has not validated this debt nor sent me a notice of collection. Enhanced Recovery is in violation of the FCRA and the FCDPA
Complaint sub-issue: Unexpected increase in interest rate

There is is a class action suit against CITI card holders for charging too much interest. I received a letter in the mail stating that I may be one of these customers.
Complaint sub-issue: Debt is not yours

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX  XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, ACIMA DIGITAL FKA SIMP failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
ACIMA DIGITAL FKA SIMP Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
ACIMA DIGITAL FKA SIMP Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Complaint sub-issue: Fee problem

I am a long time account holder at PNC bank of XXXX. My account actually predates their purchase of National City Bank ( my original servicer ) As you know there was a scandal created by " sorting and batching '' to create overdrafts. As a solution, banks like PNC promised to end the process, and they also offered people like me no fee banking. To my chagrin they unilaterally informed me a few weeks ago that my zero  fee account was no longer in effect, and I also noticed that my automatic withdrawals were suddenly shifting dates at their discretion apparently to CREATE insufficient funds status. Since then, I have had at least 3 unexpected penalties. My requests for refunds were denied and my requests for no fee checking were ignored, as were my requests for a firm date for automatic drafts.
Complaint sub-issue: Information belongs to someone else

I think I may have been a victim of identity theft. Account is not mine!
Complaint sub-issue: Information is not mine

This is my XXXX complaint against Equifax in reference to the following fraudulent accounts that do not belong to me : XXXX XXXX XXXX : XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX, XXXX, XXXX : XXXX and XXXX XXXX XXXX. In my previous XXXX complaints, I attached supporting documentation which included my incarceration date and a letter from XXXX XXXX for proof that I am not liable for the accounts. Equifax has refused to review or accept the documentation as proof, I am not liable for the accounts. The documentation is proof that I am not liable for the accounts and they do not belong to me. Someone stole my identity and opened the accounts. I am a victim of identity theft.
Complaint sub-issue: Reporting company used your report improperly

Massive data breach by Equifax announced on XXXX/XXXX/XXXX that included full names, dates of birth, social security numbers and other personally identifying information, including possibly driver 's license and credit card numbers. 

Equifax says the breach begin in mid-XX/XX/XXXX and was not detected until XX/XX/XXXX. Equifax did not notify the media until XX/XX/XXXX, and I have still not been personally notified. 

To add insult to injury, they offer one year of credit monitoring, but make me wait another 3 days to enroll ( they gave me an enrollment date of XX/XX/XXXX ). How does one year of credit monitoring help? My full name, social security number, date of birth, and possibly other details will be freely available from now until the end of time, and none of those details are changing anytime soon. There 's no way to scrub that information from the internet, and by now thousands, if not millions of downloads of that data will have taken place. 

I wo n't be surprised if we find that the data was in plain text, as Equifax makes no mention that the data was encrypted, and it would have every reason to publicize that fact if it were true. If they did store them in plaintext, or the passwords to unlock said encrypted files in plaintext, that 's beyond negligent. It 's downright reckless. 

It appears they have not learned their lesson on security. See the below quoted text. 

I am appalled when an organization whose services I use has a data breach, but this is beyond the pale because I did n't volunteer any information at all to Equifax, and yet they stored all these details in an apparently insecure fashion, and the details themselves are so, so, so much more damaging than even a banking website breach would be. At least changing password ( and possible username ) would likely prevent any further damage, but this is damage that is indefinite and immeasurable. 

From this url ( not my words from this point forward ) : https : XXXX " What 's more, the website www.equifaxsecurity2017.com/, which Equifax created to notify people of the breach, is highly problematic for a variety of reasons. It runs on a stock installation XXXX, a content management system that does n't provide the enterprise-grade security required for a site that asks people to provide their last name and all but three digits of their Social Security number. The TLS certificate does n't perform proper revocation checks. Worse still, the domain name is n't registered to Equifax, and its format looks like precisely the kind of thing a criminal operation might use to steal people 's details. It 's no surprise that XXXX-owned Open DNS was blocking access to the site and warning it was a suspected phishing threat. 

Another indications of sloppiness : a username for administering the site has been left in a page that was hosted here. Here 's what it looked like before it was taken down at about XXXX am California time : ''
Complaint sub-issue: Reporting company used your report improperly

On the XXXX of XXXX, XXXX I was notified that my personal information to include my social security number, address, DL number etc. has been compromised and is now public information by the incident with equifax. 

I believe this is improper use of my report and was without my consent. Equifax used my private information improperly and put my identity at risk to be stolen.
Complaint sub-issue: Reporting company used your report improperly

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services.
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
Complaint sub-issue: Funds not received from closed account

Citibank closed my account without giving me any reason. When I stop by the branch, I was told that I was trying to cash invalid checks which turned out to be legit checks from my employer. Citibank still closed my account and now bank is not releasing my fund immediately. I called multiple times and I was told to wait 60-90 day to access my fund. Currently all my fund is stuck in the account and I am in dire need of cash immediately. Every-time I call, I was told same answer to wait 90 days. I called at least 5 times and stopped by branch twice without any resolution. Account closed on XX/XX/2022. 

Citibank sent check for portion of the amount which was in my account when they closed it without any reason. I am still missing USD XXXX. 

I stopped by branch at least 6 times but no solution.
Complaint sub-issue: Account information incorrect

Recently, i did an investigation on my credit report which caused XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
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 the account ( A ). It is not permissible to fail to validate the reporting account 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 corrected : XXXX XXXX XXXX Balance {$320.00}
Complaint sub-issue: Information belongs to someone else

Hi, my name is 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 charges are showing negative results on my credit report. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove these items as soon as possible.
Complaint sub-issue: Public record information inaccurate

Bankruptcy reported on my record over 10 years Numerous unauthorized credit inquiries Wrong addresses reported as previous address I have only one address over 15 years : XXXX Cimarron XXXX XXXX XXXX XXXX, Ca XXXX Wrong HIGH balances on my open accounts reporting as 98 % credit usage.