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

Because I was part of multiple data breaches from credit card and credit reporting bureaus, I have an alert email that now notifies me of changes in my credit. That is how I learned Citi reduced my available credit for a Co-branded card at The Home Depot. When I called Citi to ask about the reduction, I was treated rudely and told that they had no record of communicating the credit line decrease, when I mentioned I believed there was a regulation that required them to communicate those types of changes the representative got ruder. A couple of hours later, I received an email advising me that they closed my account completely. Unbelievable.
Complaint sub-issue: Don't agree with fees charged

Lender : Access Group ; Loan service provider : XXXXPrivate student loan. 
My monthly payment amount adjusted ( based on repayment schedule ) and I contacted customer service via telephone to verify the new payment amount ( then made a payment for that amount ). The following month I received a statement indicating that I was {$.00} delinquent on my account and that a {$10.00} late fee had been assessed. I then contacted customer service via phone again and was told that my {$.00} overdue amount had exceeded my contractual 15 day grace period and that they would not waive the late fee.
Complaint sub-issue: Information belongs to someone else

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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. The items listed below were not mine : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$640.00} ; XXXX  ( Original Creditor : XXXX XXXX  FL XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$4500.00} ; XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX Balance : {$3200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX FL XXXX XXXX ) XXXX Balance : {$2000.00}.
Complaint sub-issue: Information belongs to someone else

I am a victim of identity theft and I have filed an FTC report and sent it to the company and they are still reporting this negative account on my consumer report.
Complaint sub-issue: Debt was result of identity theft

I received a copy of my credit report and noticed fraudulent accounts.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my XXXX XXXX : XXXX {$10000.00}
Complaint sub-issue: Other problem getting your report or credit score

I have been trying for 3 months now to obtain my credit file, and credit report, and have been unable to get it.
Complaint sub-issue: Debt was paid

In early XX/XX/XXXX we resolved all past due accounts with XXXX XXXX XXXX XXXX. Despite this, a debt collector who claims to be acting on their behalf has continued to attempt to collect a debt. We received confirmation on this via letter on or about XX/XX/XXXX. A little over a week later, we received a letter from XXXX XXXX. Which was postmarked on XX/XX/XXXX. Initially this was ignored as we assumed they hadn't been updated by XXXX XXXX. Since then, i have received multiple illegal robocalls to my cellphone. From this it is clear that this wasn't the issue. They simply have no concern for the law. They have continued their brazen and unlawful harassment for a debt not owed by sending a letter which was received on Monday XX/XX/XXXX. On XX/XX/XXXX , XXXX XXXX was contacted and confirmed no debt was owed.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX  Accounts # XXXX and 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: Information belongs to someone else

This is my Multiple requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$3900.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX... Balance : {$1700.00}
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

We received our AT & T UniversalCard ( a MasterCard issued by CItiBank ) statement two weeks ago and noticed a fraudulent charge. I called customer service, reported the charge, and asked them to issue new cards with new account numbers. The representative said no, that was not necessary ( very, very bizarre response -- not something any credit card company has ever done in the history of forever -- HUGE red flag right there! ). Fast forward to yesterday when I was alerted there were a series of additional charges from the same entity, totaling hundreds of dollars more ( yet the rep. said the original fraudulent charge was flagged and being investigated for fraud -- what credit card company lets a flagged entity, one they are supposedly investigating for fraud, to continue to charge the card -- a card they are refusing to close and reissue in spite of all the fraud? ). So I call again, get another rep., literally spend twenty minutes insisting I need the account numbers reissued -- I mean, who argues with a consumer like this when it is OBVIOUS the card is compromised??? This has never happened even with AT & T UniversalCard in the past. Also, it's the first time I've had to deal with foreign outsourced CS reps when dealing with a fraud situation. I honestly believe it's the reps themselves perpetrating the fraud at this point. 

It HAS to be illegal to refuse to close out account numbers and reissue cards in the face of repeated fraud. Also, why are we outsourcing sensitive financial information to bot farms and call centers overseas? This is insanity! 

Anyway, here I am, a couple of weeks away from XXXX travel -- highly anticipated as it may very well be the last time I see my father, and it's the first time I'm seeing my son in XXXX years -- with no viable card ( the card my reservations are charged to ). 

CitiBank has also now made it impossible to log in and monitor activity on my card from my laptop ( something I could always do ). 

I do not understand why they would treat a XXXX long customer with excellent credit, who has never, ever not paid their bill in full every month, like this. It's shocking and dishonorable, and lacks any integrity or decency whatsoever. Shameful, shameful behavior. I will look to my credit union for a new mastercard, will only use financial services entities that protect my information and accounts, and who only use American employees, bound by American laws, as customer service reps ( something I think should be legally required anyway ).
Complaint sub-issue: Account information incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it to Equifax Credit Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous late open accounts reporting on my Credit Report : XXXX $ XXXX Opened : XX/XX/XXXX XXXX XXXX XXXX $ XXXX Opened : XXXX XXXX, XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Attached is a Federal Civil Court Complaint and Subpoena for Equifax, XXXX, and XXXX to produce all information and documentation used to perform the requested investigation and reinvestigation of the XXXX XXXX XXXX XXXX credit card account that is reporting to my consumer credit report. I am not disputing the existence of this account but who it belongs to. According to the Fair Credit Reporting Act, a trust is NOT a consumer and if the trustee who opened the account for the trust was in the capacity of a business, that is not a consumer either. None of the agencies have provided any documentation to support the investigation to validate this dispute. They are violating USC Title 15 section 1681 ( please see attached Complaint for a Civil Case ).

Please see attached active Civil Complaint, letters, Subponea, proof of mailing for dates and proof of actions taken.
Complaint sub-issue: Account information incorrect

Account : XXXX XXXX # XXXX ( {$370.00} per month ) XX/XX/XXXX XX/XX/XXXX reflects 30 instead of OK. 

Dispute Letter Mailed to XXXX, Equifax and XXXX : Dispute Statement - The payment reporting for this account is completely inaccurate. My credit file currently reflects that I missed payments or made a payment greater than 30 days late to XXXX XXXX for all of the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did make payments on time and in full on all of those months, I did not make the payments past 30 days from the due date. Please update/correct this information on my credit file as soon as possible to reflect accurate payments made on time for all of those months. I have disputed the inaccuracy of this account reporting for those months multiple times with all three credit bureaus and its causing a significant affliction on my overall credit status and financial options, causing hardship on education plans for my son and other life needs. 

Supporting Documentation Provided to XXXX, Equifax and XXXX by Mail : Enclosed a copy of my Checking Account Transaction History Report, which verifies that I did make the monthly payments for all of those months and payments were made in the amounts of {$380.00} or above, which is higher than the minimum monthly payment required and also paid within 30 days from the monthly bill due date.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I purchased furniture from Macy 's. The product arrived so damaged that I could not return in the packaging that was provided. I offered them the opportunity to refund half of the purchase and I would keep the furniture and they would not have to pick it up. 

Since COVID19, they closed all customer service including their credit card servicing department. I filed a dispute and have heard nothing.
Complaint sub-issue: Problem getting your free annual credit report

REQUEST FOR FREE ANNUAL CREDIT REPORT!!!

I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXXXXXX, XXXX XXXX  and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXXXXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed inaccurate information with Equifax and they have not done a thorough investigation nor supplied me with the proper validation of the said debt and inaccuracies that are reporting on my credit profile. There are several accounts in which I have proven to be inaccurate. I have called and spoke with representatives who have disconnected my calls, transferred me to departments who could not assist, and sent multiple letters requesting a FAIR and just investigation and they are being non compliant.
Complaint sub-issue: Account status incorrect

On XX/XX/18 I spoke with XXXX XXXX XXXX regarding 3 consecutive months ( XXXX, XXXX, and XX/XX/2018 ) of delinquent mortgage payments that appears on both my XX/XX/2018 mortgage statement ( see attached ) and negatively reported on my credit report ( see attached ). The representative then went on to say that I am not delinquent but it is just the way the process works ; she then told me the reason for the delinquencies is because of the 3 month trial payments ( XXXX, XXXX, and XX/XX/2018 ) related to the loan modification ( that was approved ) there is nothing they could do to correct the credit report that impacted both me and my wife because that is the XXXX XXXX Process. All payments were made on time during the 3 month trial period and XXXX XXXX agreed that they were made on time but still reported the payments as delinquent. This has to be corrected immediately. 

The reason for calling XXXX XXXX bank was because I applied for a business loan for my company and I was denied the loan because of the negative reporting by XXXX XXXX. Instead I was offered an extremely high interest rate cash advance loan with a rate of almost 50 %. Because of the negative reporting by XXXX XXXX, this has caused a hardship on me and my family and the business as well. 

I told the representative that I needed my credit corrected because I was applying for a business loan and she did not care because she was following the banks policy. Then I asked her if she could give me a letter confirming that I am not delinquent so that I can show it to the lender for my business loan and she told me they can not email customers. 

It is hard for me to believe that a bank/mortgage company works this way by damaging a customers credit report especially when they know the payments were made on time and now as a result I am in a hardship for my business including jeopardizing making my mortgage payments because my income from my business will drop substantially since the working capital loan was not approved. 

It is unconscionable that XXXX XXXX did not foresee that this could impact a persons finances. I have tried everything that I could think of to get XXXX XXXX   to fix this including asking for a letter that I can send to my lender for the business loan and they did nothing to try and remedy the situation. The damage to me personally, my family and my business has been done. I had no other choice but to file a complaint with the CFPB and I am shocked that this is their policy.
Complaint sub-issue: Account information incorrect

Equifax ran my credit report on Sunday XXXX XXXX and there were 2 items on it that was incorrect. Two credit cards that have a XXXX balance they reported it with a balance. The first is XXXX/XXXX  they have it at a balance of {$280.00} On XXXX XXXX I paid the balance in full. Second XXXX  XXXX/XXXX XXXX they have a balance of {$89.00}, the balance was paid in full on XXXX XXXX. 
I called them today and the women I spoke with continued to repeat herself and said she could not verify me based on the the information I gave her and everything I gave her was correct.
Complaint sub-issue: Didn't receive enough information to verify debt

I XXXX XXXX recently received a collection notice from XXXX XXXX XXXX , XXXX. The collection letter states that the original debt was with Citibank NA. I do not dispute that I had a credit card with Citibank. What I find as a problem is that I never received notice from Citibank that the debt was purchased. What I am entitled is a copy of the actual assignment of debt by Citibank to XXXX XXXX XXXX XXXX , XXXX. The Federal Trade Commission has made it clear on debt assignments, and how all collections without due process on validation has riddled the debt collection business with millions in fines and dozens of class action lawsuits. I have been recovering from XXXX over the past three years. I have had to drain my 401K and have struggled to work consistently. Citibank NA knew of my health issues, knowing that I was going to file for bankruptcy protection. The debt buyer was duped taking a debt that simply can not ever be paid. I believe that the assigned collection should be proved first showing an actual assignment of debt, and secondly the debt buyer should give the debt back to Citibank NA and be totally forgiven based upon my physical hardship. This collection is not valid based upon the lack of proof that it was ever assigned or purchased. The debt should be forgiven or I will have no other option but to file for personal bankruptcy.
Complaint sub-issue: Personal information

Wrong address on my Equifax credit report. This was from a collections agency who took an incorrect collections off my credit report, but left the address on the credit report. I have tried multiple times to contact the collections agency to resolve this but can not get an associate to pick up the phone. The wrong address in question is : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Complaint sub-issue: Reporting company used your report improperly

Hello, On X/XX/2017, Equifax announced publicly that many consumers credit reporting information was breached. I went to the equifax website to enter the last 6 digits of my social security number to find out if my information was part of the breach. The Equifax system confirmed that it was ( i have a screengrab of it ). Due to Equifax 's lax security, my information has been compromised. I called the company to follow up but kept getting rerouted to different extensions and to dial other XXXX # s that also belong to Equifax. I was unable to request the credit freeze as they advertised on the Equifax freeze website as I could not get to the 'proper ' person! 
Consumer information is to be protected, and through no fault of my own, Equifax systems were compromised. Due to their insecure systems now i have to put a freeze on my credit and monitor that no one misuses my information!
Complaint sub-issue: Debt was paid

Representative XXXX XXXX from Grant & Weber collections was repetitively mailing me and when speaking to me on the phone made abusive statements. XXXX XXXX used phrases like, " Only criminals don't pay, '' and " Anyone who owes money knows what they did wrong. '' Grant & Weber began mailing me around XX/XX/2019 claiming that I owed {$990.00} in medical bills from XXXX XXXX. I contacted my insurance at the time, XXXX XXXX XXXX and they confirmed with me that the services were covered and they would pay the bill. They then contacted Grant & Weber to inform them to stop harassing me and stop contacting me. 

I then had to call XXXX XXXX again in a month to verify the bill had been paid. I again received the same aggressive and abusive tone, and XXXX XXXX implied that this bill would ruin my credit. I made a complaint about this. 

I am now looking at a recent copy of my credit report and this collection from Grant & Weber is still here, even though it was confirmed as fully paid. I believe I am being retaliated against by Grant & Weber for filing complaints. I feel like my rights are being violated and illegal collections are being imposed on me.
Complaint sub-issue: Information belongs to someone else

I have called Equifax several times informing them of me being a victim of identity theft. The representative said they would delete the misprinted name and the unknown addresses that do not belong to me. They have yet to do so. I have given them my current addresss which is the same address that is listed on my I.D . Due to identity theft there were many inquiries made as well : XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX   XXXX and XXXX national in which I have not applied for credit with those companies. There were also 2 accounts that were opened without my authorization : XXXX XXXX and XXXX XXXX in which I need removed immediately. I have attached my FTC report for reviewal and assistance in fixing this issue.
Complaint sub-issue: Account status

The U.S. Department of Education discharged my student loans as a result of my total and permanent XXXX on XX/XX/XXXX XXXX in turn discharged my student loans and reported this to all XXXX credit bureaus on XX/XX/XXXX. The XXXX Department of Education received notice from XXXX on XX/XX/XXXX that my loans were discharged. Nonetheless, and inexplicably, the XXXX Department of Education reported my loans not as discharged, paid in full, with XXXX balance, but rather reported them as in a balance status of {$100000.00} and {$95000.00} on XX/XX/XXXX. Now, each of the XXXX credit bureaus -- XXXX, XXXX, and Equifax -- is incorrectly reporting that my loans are in balance status when they have been discharged by the US Department of Education and XXXX for total and permanent XXXX and should show XXXX balance, paid in full, and closed. This represents deliberately false reporting to the credit bureaus and is discrimination against a XXXX person. These loans have been discharged for over XXXX days. Please immediately resolve this and ensure that all parties and all credit bureaus show these loans as discharged, paid in full, and closed, with XXXX balance.
Complaint sub-issue: Not given enough info to verify debt

This is on my credit reports. I sent them a letter XX/XX/2015. They have ignored me.