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

Hello, I have a " Double Cash '' revolving credit account opened with CitiBank. Given I don't use the account and I'm currently trying to reduce my overall revolving credit limit to better qualify for a home loan, I've attempted to close the account. The account can't be closed via the CitiBank app, nor their website. CitiBank requires account holders to call to close their account. I've called a number of times and have gone through the automated prompts using voice commands. Each time, I've been connected to a representative who pretends they can't hear me over the phone. However, it's abundantly clear the representative 's feigned inability to hear is scripted because their interjections trying to greet me are repeated so quickly, one wouldn't reasonably have the ability to respond without them repeating their greeting over a response. 

Consumers should have the ability to manage their own credit, and I'm simply trying to close this account to get my overall open revolving credit under control.
Complaint sub-issue: Information belongs to someone else

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Complaint sub-issue: Didn't receive notice of right to dispute

HI My name is XXXX XXXX This company AR RESOURCES INC I don't even know what is it its reporting me as collection but I don't received a notice or anything I move to XXXX XXXX XXXX XXXX, FL XXXX I don't think is fair they just do such thing in a person that doesn't even know XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 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 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 an account without my written instructions.
Complaint sub-issue: Information belongs to someone else

My name is XXXX XXXX XXXX and I am a victim of identity theft
Complaint sub-issue: Reporting company used your report improperly

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

Contacted company but no answers. This same creditor pulled credit check on two dates. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Dates : XX/XX/XXXX XX/XX/XXXX I do not recognize this company and have no knowledge of giving permission to pull my credit.
Complaint sub-issue: Funds not handled or disbursed as instructed

I have deposit check on mobile deposit on XX/XX/2022 {$1000.00} dollars on mine Citibank account. 
I am still have {$5.00} on account with mine owe money available. 
Now on date XX/XX/2022 mine account is Overdrawn - {$1000.00} That is not right by the law of bank rules book. 
On working date they have to clear the check not hole mine check to the XX/XX/2022 to be clear. 
That is every wrongful by the law of the bank to do that to customer. 
Please please please need helping to fix the Citibank law
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Complaint sub-issue: Information is missing that should be on the report

The credit bureaus are reporting the wrong address on my credit profile.
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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, Equifax, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$170.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$880.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$330.00}, XXXX  XXXX XXXX Open Date : XX/XX/XXXX Balance : {$190.00}, and XXXX  XXXX XXXX Open Date : XX/XX/XXXX Balance : {$100.00}.
Complaint sub-issue: Information belongs to someone else

After carefully going over my credit report I noticed there are accounts on my credit report that are reporting inaccurately. On XX/XX/20 and XX/XX/20 I wrote Equifax they failed to verify these inaccurate accounts. This will be my 3rd attempt writing Equifax about my credit profile.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the Equifax Credit Bureau ( " DATE OF PREVIOUS LETTER '' ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and I'm including it again. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Complaint sub-issue: Information belongs to someone else

I have numerous inquiries on my Equifax Consumer report dated XX/XX/XXXX and XX/XX/XXXX from multiple car finance companies. I have contacted Equifax numerous times and informed them that I did not authorize these inquiries. My last point of contact was today XX/XX/XXXX. I spoke to 3 different representatives on different phone calls. I was told to call the car dealership that ran the inquiries. I tried to contact that company which is XXXX XXXX XXXX in XXXX NC but it no longer exists. However I was able to speak to a nice lady that works in the credit department for that company as well as the sister companies which are XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. The representative looked into all of their systems and said that she could not find any information on me in order to have the inquiries deleted. She advised me to call Equifax back or to send them a letter disputing the unauthorized inquiries. I called Equifax AGAIN, was unsuccessful. I was told that they could not delete the inquiries and that the car dealerships would need to send a request to delete to Equifax. I 'm stuck in between a rock in a hard place because it seems that I 'm being ran in circles. The confirmation number given to me by Equifax is XXXX.
Complaint sub-issue: Received bad information about your loan

My student loans were consolidated in XX/XX/XXXX for the express purpose of getting on an income-based repayment ( IBR ) plan. I paid directly to the US Department of Education until my loan was transferred to XXXX in XXXX. In XXXX, my loan was transferred to XXXX, who I paid until my loan was transferred to XXXX in XX/XX/XXXX. On XX/XX/XXXX I received an acknowledgement from XXXX regarding my Employer Certification Form ( ECF ), and in doing so XXXX reported only XXXX qualifying payments from my qualifying employment begin date of XX/XX/XXXX, XXXX years earlier. 

I called XXXX and spoke to a customer service representative named XXXX and was then transferred to her supervisor named XXXX. The supervisor pulled up what records she had access to, and here is a summary of what we determined before the phone call ended : XXXX : 3 qualifying payments made in XXXX, XXXX, XXXX. The XXXX payment was outside window and so didnt qualify. She would have this payment reviewed. 

XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX had qualifying payments. No qualifying payment for XX/XX/XXXX due to administrative forbearance. No qualifying payment in XX/XX/XXXX. Supervisor reported she would have these payments reviewed as well. 

During our conversation, she was not sure why these payments that appeared to be qualifying were not treated as such. She mentioned something to the effect about my being in forbearance while I paid them. If I was in forbearance, why would I make payments? This response didnt make sense. She said something like, If you submitted payments under umbrella of forbearance, they dont qualify. You can request in writing to have the umbrella of forbearance removed so they do qualify. 

Satisfied that my payments from the beginning of my qualifying employment WERE indeed in their records, and that there seemed to be an easy process to rectify the situation, the phone call ended with the supervisors assurances my payments would be reviewed and I would hear the updated count on qualifying payments in about 60 days. Note that it took nearly 5 months for me to hear my original, inaccurate count from XXXX after being transferred to them. 

After more than 60 days of not hearing anything about an updated count, I called XXXX again. This time I was told that my case had been referred to the Dept. of Education who apparently is responsible for reviewing my qualifying payments and to continue waiting. It is now 8 months later, and I still havent heard anything. In sum, it has been 10 months since a review was promised, and 15 months since the original error in payment count was made. In short, my payments to all providers before being transferred to XXXX are not being counted/acknowledged as contributing towards my PSLF, despite being at the same employer ( professor at state college ) the entire time. I have always been in an income-based repayment plan. I want XXXX to acknowledge my payments to XXXX, XXXX and the US Dept of Education, and to receive an accurate, updated count of my payments toward PSLF.
Complaint sub-issue: Information belongs to someone else

AFNI is wrongfully reporting inaccurate information to the credit bureaus. This item was already removed from all three major bureaus as a result of the account being fraudulent. AFNI is violating my rights for their own financial gain and I am livid! Litigation will be filed towards the company if this harassment doesn't stop.
Complaint sub-issue: Their investigation did not fix an error on your report

I do not recognize this account. The information regarding this account fails to report completely. I do not see the monthly payment, terms, credit limit, past due, and date of last payment being reported.
Complaint sub-issue: Investigation took more than 30 days

XXXX XXXX XXXX XXXX has falsely reported items on my Lexis Nexis C.L.U.E . report.
Complaint sub-issue: Their investigation did not fix an error on your report

On XXXX XXXX I filed a dispute with Equifax about my credit file and on XXXX XXXX I received a email stating the items was to be deleted but to my surprise they didnt delete them. Under the Fair Reporting Act legally them items must be removed.
Complaint sub-issue: Their investigation did not fix an error on your report

I disputed the bankruptcy that is reporting on my credit report to all bureaus and their claim is that the bankruptcy was verified. I sent a letter to the bankruptcy clerk to ask the reporting guidelines and they responded that the courts don't report to the credit bureaus. So with that being said, the credit bureaus is falsely reporting a bankruptcy on my credit report and that is against FCRA Section 611 Subsection 5a
Complaint sub-issue: Information belongs to someone else

I recently signed up for XXXX XXXX to monitor my credit. I noticed an inquiry that I did not recognize. After determining what the inquiry was for, I believe it to be the result of someone else having misused my personal information to obtain a line of credit. The inquiry was for a store credit card that I did not apply for. I did attempt to contact the company who ran my credit but was unable to reach anyone because I do not have an account, the computerized phone system will not allow me to reach a live person. I would like the following inquiry removed : Equifax : XXXX - inquiry from XX/XX/2020.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

This is my second complaint to CFPB about this issue. My credit card was fraudulently charged with hundreds of dollars of XXXX XX/XX/XXXX charges. I disputed the charges and Citibank did removed some of the disputed charges. However there is still approximately {$600.00} of fraudulent charges made AFTER Citibank discovered the fraud and had disabled the card. Every time I speak to Citibank they state they will reverse the charges but have not done so yet, and continue to charge me interest on XX/XX/XXXX fraudulent charges.
Complaint sub-issue: Debt was result of identity theft

i spoke to this company National Recovery Agency today XX/XX/22 XXXX i asked for information for this account, they have my date of birth my dads name, they are trying to collect of a debt without providing any and missed information. Proof of Claim document is attached please send to the company im just asking them to provided information XXXX if they cant close this fraudulent account.
Complaint sub-issue: Account status incorrect

Card opened in XX/XX/XXXX. I haven't ever received a statement from them to this day, and didn't receive my card until Months later. Didn't have online access because I didn't receive a statement/billing/card info. They stated I have a late payment marked for XX/XX/XXXX. I am not receiving statements, no online access, no communication AT ALL. They removed multiple late fees due to this internal error previously so if they can admit it was an error qnd remove the fee, why won't they remove the remark to the credit bureaus. As soon as they called me stating I was being sent to collections for a late payment I had no idea of, I paid the balance. I have received NO communication from them for late payments, no statements, calls nothing so I didn't know when my payment was due or what my balance was. I have asked for this to be removed from my credit report multiple times due to an internal issue on their end and even filed with my credit bureaus and provided all information from my account with them as well as screenshots from the online system I finally got access to end of XXXX XXXX from a helpful representative that finally wanted to assist. Today I spoke with a manager and they said they will not do anything at this time and to " wait for the letter '' ( that I'll never receive ) from the last dispute for removal even though I can clearly prove I'm not getting mail and have no access to see what they wrote. This has been going on since the day they called me in XXXX stating I was late. This is the only late mark on my credit report as I don't pay bills late and always try to pay early but without statements and access to what I owe and when it's due, How can a company expect someone to pay them appropriately. In the screenshot you can see all payments to prior to XX/XX/XXXX were made by phone and are on different dates because I didn't know when my bill was due nor did I have online access to see statements.
Complaint sub-issue: Account information incorrect

XXXX XXXX is showing on my credit file 6 times with the same account info, I disputed it as duplicate but for some reason it came back as verified.
Complaint sub-issue: Problem with balance transfer

Hi team, The fraud has been done on my credit card of amount XXXX XXXXXXXX and XXXX XXXXXXXX on XXXX XX/XX/2022 and I have immediately report the incident to the bank and blocked the card. 
The customer care member told me not to lodge a complaint as they will check and now after 5 days they are saying that its a secured payment so they cant do anything. But as per XXXX guidelines if you complaint within 3 days they will refund all my money. 
Please look into this matter and take action as its not a small amount for me.
Complaint sub-issue: Information belongs to someone else

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$2900.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently. I do not have an XXXX XXXX card, nor have I given permission or authorized anyone open an XXXX XXXX card. This false reporting of a collection/charge-off of an account that does not belong to me is seriously harming my credit score. This line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to have this item removed however, I have not been successful.
Complaint sub-issue: Account status

Equifax has never in 6 and half years identified to me who verifies the information that XXXX XXXX is reporting. The statement from Equifax is the information has been verified and it is belongs to you. Who is verifying this? Surely it is not XXXX XXXX, I have court documents proving this account is no longer valid. Additionally, Equifax states no additional information has been received and closes the dispute. This is unbelievable, I know it is disgusting and deplorable but is n't this a failure by the Consumer Finance Protection Agency to stop this type problem for consumers?
Complaint sub-issue: Funds not handled or disbursed as instructed

I was n't getting a high enough interest rate for my savings account at Citibank and went to withdraw my money from the account. The Citigold relationship manager, XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX IL XXXX location of Citibank said, in order to retain my business, he could potentially get me 1 % interest rate on a new savings account he could open up for me. He said that : - Normally I would need to add an additional {$25000.00} to my Citibank account. However, he could override that for me and get me the promotion. 

- I would need to transfer my money from the XXXX branch where it currently resides to his branch. 

We went back and forth on email a few times. After that we spoke on the phone and he said he both transferred my account to XXXX and got me the 1 % interest rate. This was at the end of XXXX. 

I had over {$300000.00} in the account and feel like I am due interest of 1 % for the last 2 months.
Complaint sub-issue: Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  have 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 an account without my written instructions.