Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Can't use card to make purchases

* I received an email ( on XX/XX/XXXX ) from CitiBank that my account is closed due to 'Inactive for continuous 24 months as per the card agreement. ' * Last transaction was on XX/XX/XXXX ( {$75.00} XXXX and last payment activity was on XX/XX/XXXX ( 16 month ago ), less than 24 month per the card agreement but yet, CitiBank closed the account. CLEARLY, THERE'S A BIG GAP BETWEEN 24 MONTH AND 16 MONTH. 


XXXX CITIBANK ALSO FAILED TO PROVIDE NOTIFICATION/COMMUNICATION AND FAILED TO REACH OUT TO CUSTOMER PRIOR WRONGFUL ACCOUNT CLOSURE ( EVEN IF INACTIVITY DID NOT PASS 24 MONTH ) * Spoke ( XX/XX/XXXX ) to customer service ( XXXX ) ( XXXX ), could not assist, unprofessional, need additional coaching and training. I asked XXXX and XXXX, why Citibank closed my account although inactivity did not pass 24 month, neither could answer, but stated that Citibank has right to do so. I also asked XXXX to provide any communication sent out to me regarding account inactivity prior account was closed, but XXXX could not provide any proof. This is clearly a ABUSIVE BUSINESS PRACTICE of major bank where INTENTIONAL ACTION can be justified all the times, as if their right is being honored for any given situation and customers right 's are ignored, especially when America is going through COVID19 situation. I am sure that Citibank 's response will state that Citibank closed my account due to inactivity, stated in customer agreement, but fail to address the fact that regardless of inactivity going on for less than 24 month, Citibank closed my account anyhow. 


* In order to reopen the account, Citibank will pull my credit XXXX hard inquire as if I'm applying for new credit card ) and process. 


XXXX Citibank should not have closed my account since inactivity did not even come close to 24 month. 


XXXX The question is simple, on my account, did inactivity occurred passing, more than 24 month? If not, why did Citibank closed my account? Citibank should reopen my account per error made by Citibank. Wrongful account closure. I expect to see reasonable explanation from Citibank, rather than saying account was closed due to inactivity. Consumer Financial Protection Bureau should be actively involved in this case, asking Citibank a very question of why Citibank closed my account even if inactivity did not pass 24 month.
Complaint sub-issue: Frequent or repeated calls

On XXXX I had a scheduled payment I lost my debit card, payment was late On XXXX I received 10 phone calls in a row, could not answer cause i was at work Several Times for a total of 40 calls in one day On XXXX I received 10 phone calls in row I called back and XXXX was rude and Insulted me because I didnt contact them sooner Spoke to a supervisor
Complaint sub-issue: Information belongs to someone else

I am dissatisfied with your continued inclusion of the following information in my consumer report and your failure to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish. This grave error has harmed my trust in your company 's procedures, and as a result, I will no longer extend credit, and I will not extend consumer credit, and if this information is not removed, I will no longer want my information to be reported in your company 's database. The FCRA was violated because the reasonable procedures listed in the affidavit were not followed ( Fair Credit Reporting Act ) .I have the right to privacy, as well as the right to choose where and how my nonpublic information is disclosed. Because it negligently reported false information, this account is deceptive and dishonest. Please provide me with documented proof that I gave you permission to report anything on my consumer credit report. I contacted the debt collector, but they refused to provide any proof ; as a result, you are reporting multiple fraudulent and misleading accounts. Instead of 5 days prior, they failed to provide me with written notice of this 14 days prior. I am the only one who can prove this debt. They demand that you delete this information because the alleged account is fraudulent. There should be no transactions in this report. The decision to report transactional information must be made with the consumer 's consent. The XXXX XXXX makes reference to this. A consumer must be given the option of directing whether or not transaction information should be reported because it negligently reported false information, this account is deceptive and dishonest. Please provide me with written confirmation that I gave you permission to report anything on my consumer credit report. I contacted the debt collector, but they refused to provide proof ; as a result, you are reporting multiple incidents. This is referenced in the XXXX XXXX. You are blatantly violating the FCRA ( Fair Credit Reporting Act ). My privacy is being breached by this. Please take note that my data has value because it is public information, and anyone who uses it without having approval from me in writing must pay me in accordance with the FAIR CREDIT REPORTING ACT, kindly block this information from being included in any credit reports and notify those companies who provided this information.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act the following have violated my rights : 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: Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

Recently purchased a new vehicle and was approved by XXXX XXXX. A month after driving off the lot, XXXX sends me a notice of " Change in Terms '' due to credit report from XXXX XXXX. They are NOT a credit bureau and if they are, they are not approved to use my credit report. The reporting is off by XXXX points AND they do not have the proper information regarding my report. This is a company owned by XXXX, who run XXXX XXXX, XXXX and others to gain personal data. 

The company XXXX does not have a login for a consumer to update their information and now are posing as a credit monitoring company to institutions such as XXXX XXXX and others. I am not having to finance somewhere else that uses the regulated credit monitoring firms such as XXXX, XXXX, XXXX. 

As as consumer, we have NO recourse whatsoever against fraudulent credit monitoring and scamming. Please do your diligence and remove them from the system. To other consumers, before any credit check, make sure you walk in with your own financing ahead of time. The dealers will shop your credit, while getting a yield on your point spread. Then, you will be at the mercy of the bank they chose, only to reset your terms within the 30 days limit.
Complaint sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

I opened two disputes with Citi Bank. 

Dispute XXXX for the amount of {$670.00} was opened earlier this year and closed in XXXX. I was sent a letter and issued permanent credit. Then yesterday while checking my account balance I see a letter sent to me ( by regular mail, no email notification which I'm signed up for ), indicating Citi decided to re-open the dispute and rebill me for it. Just because they wanted. Even though the dispute had been previously closed. In the letter provided, at the end it states if I have any questions to call XXXX XXXX at XXXX and when I called, there was a pre-recorded message by her stating she won't be checking her messages. 

Dispute XXXX for the amount of {$230.00} was closed in XX/XX/XXXX, permanent credit was given and a letter was sent to me. Then on XX/XX/2020 Citi again decided to re-open the dispute after their investigation period had passed and after I was told I was right and the dispute had been closed. 

I've always had great experiences with Citi Bank and my XXXX card is my everyday card. I swear by that card and when I travel I feel safe when I have it with me. All this to say that the way in which Citi is handling this is not reflective of the great customer service and customer advocacy I'm used to. I sincerely expect Citi bank can correct this wrong.
Complaint sub-issue: Need information about your loan balance or loan terms

The Fedloan Servicing, US Department of Education Federal Student Loan Agency stop to send me letters after I was on bankruptcy. Then on XXXX they send me a letter but I dont have how to pay the loan and I wait, but Huracane Maria pass through XXXX XXXX and I move to XXXX, then to XXXX  and I lost communication with the Agency. My complain is that the Agency fail to contact me again when I return to XXXX XXXX and also fail to communicate that they pass the debt to a privacy company that I dont know the name. My address fromXXXX XXXX still the same and my telephone number is the same, so why they fail to contact me to make a deal and pass my case to a Private Agency that retain illegally my Federal Refund with out previous notice. The law said that they have to contact me to inform that they are going to retain my refund. The law said that the private company have to contact me to let me know that they have my case. That I have a debt with the Fed Loan Company, and they have the intention to collect the money to apply to the Federal debt payment. They never do that, all they do is not under the law. So I want my refund back and I want my case with Fedloan again. Thats my complain. 

My name is XXXX XXXX XXXX Fedloan Account : XXXX My email is XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

Equifax has not removed 30 day late mark. XXXX XXXX. See the attached original request sent XX/XX/XXXX. The 30 day late mark removed from XXXX in XX/XX/XXXX but not from Equifax. Equifax always update to show PAID as Agreed {$0.00} balance but still showing the 30 - 60 day late in XX/XX/XXXX. In XX/XX/XXXX when they placed the 30 day late my score went down 30 points. I have disputed and requested Equifax to update their file over 5 times.
Complaint sub-issue: Reporting company used your report improperly

I sent my letter off. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. 

I sent a letter on XX/XX/XXXX, XXXX XXXX XX/XX/2022 reporting evidence of inaccurate information to Equifax. Equifax responded that the information was VERIFIED & ACCURATE! 

Equifax had violated the law by Furnishing inaccurate information and not doing a proper investigation and a proper reinvestigation. 

Equifax has violated the laws : 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681l - Restrictions on investigative consumer reports Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. 

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly. 
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, Accounts listed below : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX  : XXXXXXXX XXXX XXXXXXXX : XXXX Equifax has brought hardship to my financials, household and impaired my credit worthiness.
Complaint sub-issue: Debt was paid

in 2017 I paid directly the merchant XXXX XXXX XXXX a balance due off {$100.00} a which point closing the account with this merchant. Nevertheless to my big surprise I see a collection listing on my credit report from an agency called " ERC '' claiming the paid balance of {$100.00} on XXXX XXXX XXXX 's behave. 
At which point I contacted them with the proof ( receipt ) that this account was paid to XXXX XXXX XXXX and asking them to remove their reporting from my credit report. But to this point their still refuse to do so. I filed investigation request transunion and the inaccurate information have not been deleted. Therefore deliberately hurting my credit profile.
Complaint sub-issue: Public record information inaccurate

XXXX XXXX XXXX Mortgage, Reported late payments on payments that were made on time
Complaint sub-issue: Account status incorrect

In XX/XX/2014 I was told over the phone, by the representative whom assisted me, that the forbearance which was placed on my account would remove the credit reporting for the period of delinquency for the same months that it adjusted the loan. This is supported by my XXXX as it shows non-reporting for XX/XX/14 ( which is 1 month in arrears meaning that the actual suppressed month was XXXX ). If XXXX was suppressed, from a call in XXXX, then the other months are eligible to be suppressed as well. As your prior resolution indicated, you must report accurate information. As shown, your company is willing and able to suppress/not report and remain in compliance with the Fair Debt Collections Practices Act. 
Responsible Servicing dictates that accurate information is to be given to the customer so that they may make an educated choice as to what to do. I was inaccurately informed that the account adjustment would also remove delinquency. I may not have used the adjustment period if I had been given the accurate information. I am limited to the number of months that I am able to have alterations to my repayment of the loan. Due to this I may have taken those months and utilized a different timeframe for use. I request that you review the telephone conversation to ensure accuracy of the information given. If this conversation is not available for review or when discovered that inaccurate information was provided, please remove the months of delinquency. 
Upon conclusion/ final response to this notification : REMOVE THE CREDIT DISPUTE NOTATION FROM EACH CRB AGENCY.
Complaint sub-issue: Public record information inaccurate

IRS withdrew my tax lien and the CRA are refusing to remove from my credit report
Complaint sub-issue: Their investigation did not fix an error on your report

IreachedouttoEquifaxaboutsomeaccountsthatwerenotreportingcorrectinformationonmycreditprofile.UponresearchandreviewIfoundoutthatallaccountsaretoreportcompleteandaccurateonacreditfileandIbroughtthistotheattentionofEquifaxinXX/XX/XXXXandXX/XX/XXXXbuttheycontinuetoreportthesameinformation.Theydidnotperformaproperinvestigationliketheyclaimedbecausechangeswerenotremoved/updatedaccordingly.

InoneofmychallengesIpointedouttothemthattheydidnotmarktheaccountsasbeingdisputedaspartoftheirprocesswhichisaviolation.TheyignoredthefactthattheyhadalreadyviolatedthatandmarkedtheaccountassuchuntilAFTERIpointeditouttothem.
Complaint sub-issue: Information belongs to someone else

I contacted Equifax regarding the XXXX XXXX that was reported inaccurately on the file the manager reviewed the submitted documents and advise that she requested to have the account deleted due to the documentation submitted she also documented the file and advised it would take about 72 hours to be deleted and provided me with the confirmation number of # XXXX. I then contacted Equifax on XX/XX/XXXX and was advised it was removed however, they removed the wrong XXXX  account. When I called to advise then they gave me the run around and refused to help me.
Complaint sub-issue: Their investigation did not fix an error on your report

I appreciate the time of Credit Bureaus to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that they have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting their examination. I sense that the remaining account XXXX XXXX XXXX Balance {$0.00} needs proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of this account.
Complaint sub-issue: Was not notified of investigation status or results

I have been disputing items with the credit bureaus for almost a year now and they have yet to respond to any of my disputes. I have serious erroneous items on my credit that must be removed. Somehow, over the course of a year I haven't had anything fixed or received any letters. Please fix immediately.
Complaint sub-issue: Company closed your account

Citibank has offered a {$300.00} bonus for opening a new customer checking account. I accepted Citibanks offer and opened checking account ending in XXXX ( Citibanks letter signed by XXXX XXXX, Citibank Director of Client Care is attached ), made a required opening deposit and made preparations to fulfill banks requirements for the bonus. Imagine my astonishment and disappointment to find that Citibank Bank has decided to close in 30 days thus precluding me from receiving promised {$300.00} bonus. 

The bank has made a binding promise to credit a {$300.00} bonus upon opening of checking account and making arrangements to deposit {$15000.00} or more in new to Citibank funds into your new checking account or new or existing Citibank Savings Plus account ( a copy of the banks binding promise is attached ). I accepted banks offer by opening a required account and provided for a required opening deposit. Acceptance of banks offer represents an unilateral contract for breach of which law provides a remedy. I completed banks requirements necessary to qualify for the opening bonus but I was unable to receive the {$300.00} bonus because Citibank breached the contract by terminating my account without paying the promised bonus. Citibanks action of closing my account is a breach of contract and law affords remedy or a legal cause of action when a binding agreement ( or bargained-for exchange of consideration ) is not honored. While Citibank has a right to close account on its own accord at any time, the account closure does not excuse Citibank from paying {$300.00} bonus due under the contract.
Complaint sub-issue: Reporting company used your report improperly

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : 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. XXXX Date of inquiry : XX/XX/2020 As A Consumer By Law This Inquiry Must Be Removed Immediately. 4. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 5. 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, AZ XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX LIMESTONE XXXX, TX XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, OH XXXX
Complaint sub-issue: Account status incorrect

The payment is showing late on XXXX XXXX by mistake. I would like a proper investigation.