Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem accessing account

Citibank is ignoring my power of attorney documents. 
I subbmitted power of attorney documentation to citibank over a week ago ( received on XX/XX/2020 ). They have not responded. When I call, I am told that they need to speak to the account holder -- that would be my XXXX year old father who has XXXX. I have power of attorney, they do not need to speak to my father. They need to process the power of attorney documents. My father is unable to pay his rent and other basic necessities. I need the ability to write those checks for him. His credit card is being declined because he's not paying the bills.
Complaint sub-issue: Debt is not mine

I keep getting fake debt collection agency calls from phone numbers that do not ring to businesses. These numbers have been reported by many people as scam artists harrassing them for debts never incurrec. XXXX and XXXX are XXXX of them calling. This just started after I dropped XXXX of my XXXX XXXX XXXX XXXX services, which I pay every month. There is no adverse report on my credit report. I am not past due on anything. Stop these scam artists.
Complaint sub-issue: Information belongs to someone else

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. CHAPTERXXXXBANKRUPTCYDISCHARGED XXXXXXXX
Complaint sub-issue: Information is incorrect

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN : XXXX XXXX XXXX : XX/XX/XXXX CoreLogic SafeRent, XXXX XXXX : XXXX XXXX Department XXXX. XXXX XXXX XXXX XXXX, California XXXX To whom it may concern : This is a request for my full consumer report. 
Enclosed are the following two documents that verify my identity : Photo ID SS number Utility bill Please send a copy of my consumer report to the address listed above. 
Sincerely, XXXX XXXX XXXX
Complaint sub-issue: Information belongs to someone else

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX Balance : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$550.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$320.00} ; XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX & XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX  Date of inquiry XX/XX/2020 ; XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX Date of inquiry XXXX If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Complaint sub-issue: Didn't receive terms that were advertised

I enrolled in the promotion to open a Citibank interest checking account ( first time Citi checking customer ) via the promo link I was sent. The terms indicated that I needed to deposit {$50000.00} within the first 20 days and maintain that balance for 60 days to receive {$700.00} cash bonus. I opened the checking account on XX/XX/2021 and deposited {$50000.00} during the opening of the account. Now its XX/XX/2021 and Im still waiting to receive the {$700.00} bonus offer. I have maintained my balance the whole time and in fact deposited more money.
Complaint sub-issue: Card was charged for something you did not purchase with the card

Discover card is charging me for a returned payment they sent to me in check form. This check was unfortunately sent in concert with my bank deauthorizing the payment too, so it was an error. I communicated several times via phone with Discover immediately upon receiving the check, as well as after, including today prior to resorting to a complaint. I was told to not worry about the check and that it was null and void, so I destroyed it as instructed. I was told my account was on hold for review for up to 4-5 business days. Its been two or more weeks. I have been unable to view my account or get a current balance. I was told today that my balance is double what the activity warrants. I am sure the returned payment has been charged to my account despite multiple attempts to communicate this error to customer service. Instead, Discover sent me a verification request from XXXX  requesting personal tax information from the IRS. This feels like my debt is being held hostage as I am unable to access my account, Im given inaccurate balance, as well as being told my account is past due and accruing fees when Im not allowed to make payment unless I give IRS information. They have threatened to close my account if I do not comply with their request for IRS information. This is predatory and very disconcerting considering I have a long, healthy relationship with Discover until this. Please help!
Complaint sub-issue: Account information incorrect

Flagship Credit Acceptance is currently reporting an account with inaccurate information on all three of my credit reports. The last payment on this account was made in XX/XX/XXXX. However multiple erroneous dates of last payment are listed on credit reports, including : Last payment date as reported to XXXX XXXX : XX/XX/XXXX Last payment date as reported to XXXX : XX/XX/XXXX Given the last payment ever made on this account was XX/XX/XXXX, I filed disputes with XXXX, XXXX XXXX and XXXX. To which Flagship Credit Acceptance verified this erroneous information as accurate. 

My next step was to file a dispute directly with Flagship Credit Acceptance, which was done via certified letter in XX/XX/XXXX. Again, upon reviewing my latest credit reports, it appears Flagship Credit Acceptance has verified this erroneous information as being accurate yet again.
Complaint sub-issue: Information belongs to someone else

I contacted Equifax 60 days ago by certified mail and have not received a response. I have an account on my credit report that is inaccurate and a deformation of my character because I paid this account in full before it was sent to a collection agency and before it was on my credit report. I sent the collection agency proof that was provided to me by the original creditor that I dont OWE ANY MONEY and have not received a response. And I am trying to utilize my credit to purchase a home and this INACCURATE account is holding me back. I also attached the proof that I dont owe a balance with deacon station and this was signed by the general manager. 

Account : XXXX XXXX XXXX XXXX Account Number : # # # # # XXXX Date Assigned : XX/XX/2019 Amount Owed : {$100.00}
Complaint sub-issue: Their investigation did not fix an error on your report

VW CREDIT XXXX XXXX Opened XXXX XXXX, 2016 Balance {$1200.00} I'm concerned about the quality and reliability of your latest analysis and the past due payments meant for this specific account and the way it is reporting on my credit report. Just about 45 days ago I sought after an inspection on account that I felt the item is not being recorded currently. To my shock, I have been given a document proclaiming that your evaluation was accomplished and that the item had been " validated as exact. Placed under Section 1681 ( g ) make sure you grant me with a detailed description of the method useful to confirm the account is " legitimate '' and mail me the name and addresses of persons emailed in every policy in the FCRA.
Complaint sub-issue: Reporting company used your report improperly

I recently pulled my credit report and found the following accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I notice my right were violated 15 USC 1681 ( a ) ( 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. I have the right to privacy as a consumer and I never gave permissible purpose, 15 USC 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Also 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; based off this it shouldn't have been on my credit report so i ask that this account be deleted.
Complaint sub-issue: Problem with balance transfer

On XX/XX/XXXX my 0 % balance transfer promotion ends. 
According to Credit Card Act XXXX Section 164 B.2 Two months prior to promotion expiring, excess payment over minimum is applied to balance on which interest is deferred. 
XX/XX/XXXX I made an autopay of XXXX ( minimum ) XX/XX/XXXX I made an additional payment of XXXX intended to be applied to the promo balance 0 % that expires XX/XX/XXXX. It was not applied to that balance. 
XX/XX/XXXX I contact Citi customer service and ask for that payment to be allocated to expiring promotion in accordance with this section of regulation. I was told we understand but our system has no way of adjusting that. 
Im wondering how many people are being left with an unexpected interest charge due to this noncompliance.
Complaint sub-issue: Problem getting your free annual credit report

Have not been able to access my free annual credit report through : Equifax XXXX  I have tried multiple times over three months span and still haven't been able to access my free annual credit report even with providing all identifying information accurately.
Complaint sub-issue: Information belongs to someone else

This is appearing on my credit, the loan was taken in XXXX. I live in XXXX, it is illegal to take a payday loan in XXXX. This information is incorrect and does not belong to me. The company refuses to take this off my credit
Complaint sub-issue: Didn't receive terms that were advertised

I opened a citibank checking account and saving account package at XXXX for a promotion XXXX bucks if i deposit XXXX total and keep this amount 60 days. Then I finished their requirement. And contact them for my bonus at XXXX. I have been told I will receive my bonus in 90 days before XXXX. So I wait for another month and contact them again to double check everything is right at XXXX. I got promised bonus is on its way. But everything is change when I contact them why my bonus still not post yet at XXXX. They told me I am not qualify the bonus. Because I do have account with them at XXXX. What?? Why they don't tell me early since I deposit their bank almost 6 months. I thought they promised it they should honor it.
Complaint sub-issue: Debt is not mine

Sent my personal information to third party without my approval and havent reached out to me personally about any debt i owe. Its not my debt i paid what was due for cancellation when i cant elled my sercvices but on my credit report it shows that i owe XXXX different collection agency.
Complaint sub-issue: Reporting company used your report improperly

LexisNexis is violating my right to privacy according to 15 USC 1681 ( a ) ( 4 ) and has had no permissible purpose to STEAL MY IDENTITY according to 15 USC 1681b ( a ) ( 2 ) they have caused me a ton of distress with seeking employment and financing in these hard times. They are causing me to lose sleep and not advance in life. I need help! As a 3rd party data furnisher I did not give them permission to use my identity for their financial gain!
Complaint sub-issue: Account information incorrect

Late payments - XX/XX/2021, XX/XX/2021 and XX/XX/2021 2021
Complaint sub-issue: Account status incorrect

Ive disputed this incorrect information over and over. None of my student loans are delinquent or in default. The bankruptcy was dismissed and there is a XX/XX/XXXX balance because I consolidated all of my loans into one. This is negatively reporting on my credit report and is an issue. My balance is {$0.00} and has been so how could this continue to be reported negatively by XXXX. My account with XX/XX/XXXX is and has always been in good standing but XXXX is the problem!
Complaint sub-issue: Account information incorrect

I disputed inquiries on XX/XX/2019. They did not respond in 30 days and did not update or remove the information. Also did not verify how this information was accurate.
Complaint sub-issue: Account status incorrect

My request for the correction and removal of the erroneous information about my accounts has been diligently neglected by Equifax Credit Bureau. I sent letters to Equifax Credit Bureau dated XX/XX/XXXX. As I reviewed my updated credit report for Equifax, the inaccurate information about my accounts is still on my reports. Equifax Credit Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX ***** Opened Date XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$320.00} XXXX XXXX ***** Opened Date XX/XX/XXXX Balance {$1200.00} XXXX ***** Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ***** Opened Date XX/XX/XXXX Balance {$50.00} XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) ***** Opened Date XX/XX/XXXX Balance {$50.00} XXXX XXXX XXXX XXXX ( XXXX XXXX OF XXXX ) ***** Opened Date XX/XX/XXXX Balance {$82.00}
Complaint sub-issue: Their investigation did not fix an error on your report

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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
Complaint sub-issue: Personal information incorrect

While reviewing my Equifax report, i realized that Equifax deleted addresses that weren't mine but added them back without notice or reason.
Complaint sub-issue: Their investigation did not fix an error on your report

I have a fraudulent inquiry on my credit report XXXX XXXX XXXXXX/XX/2021
Complaint sub-issue: Transaction was not authorized

My wallet was stolen, reported to police, arrest warrant was issued, my cards were reported as stolen, new cards have been issued ( not received yet ), a fraudulent charge ( pending ) appeared on my citi account for {$20.00}, This was reported to citi in timely manner ( Citi ref. # XXXX ) ... ..All of this occurred on XX/XX/XXXX ... .the fraudulent charge ; [ XXXX Debit Card Purchase XX/XX/XXXX XXXX # XXXX - XXXX XXXX XXXX XXXX  CA XXXX ] ... .was reported to the XXXX XXXX Police Department also RE ; report XXXX XXXX ... ..The charge went from pending to being charged to my account ... .The funds {$20.00} has NOT been restored to my account! The overseas representatives for Citi are TOTALLY incompetent ... Furthermore, Regulatory action needs to be taken against this bank!
Complaint sub-issue: Trouble with how payments are being handled

I continued to make payments throughout XXXX on my student loan of XXXX. I called in to Great Lakes Higher Education Corporation my Student Loan service provider to have my payments toward my XXXXXXXX XXXX refunded to me on XX/XX/XXXX. I was informed by rep that the request would be process within a week or 2. When I noticed 2 weeks go by I called in. Then the information changed to that it could be up to 30 days to process refund. I emailed Great Lakes again on XX/XX/XXXX and received an email back on XX/XX/XXXX that now I will would not receive until 45 to 60 days. Each time I have contacted them the date continues to be pushed back. I have been waiting for over 37 days now. I have recently been impacted by Hurricane Ian and this refund will help resolve some of the financial hardships I am going through. Thank you for any help with this
Complaint sub-issue: Reporting company used your report improperly

My credit information ( Social security number, date of birth, address and potentially my drivers license number ) was accessed by an unauthorized source and now is publicly available because of the Equifax security breach. 
This is a huge violation of privacy and potential cause for an identity theft keeping in mind there is no possible way for anyone to undo this.
Complaint sub-issue: Account information incorrect

In addition to creditors reporting accounts paid in full, I faxed and mailed copies of lien releases, etc. to show accounts paid in full. These accounts were PAID IN FULL in 2015!!! I filed disputes with each bureau, attaching/uploading proof of payment. I even joined their monthly monitoring services hoping to resolve the errors. I went so far as to hire XXXX XXXX to repair my credit, no results and monthly fees. This has cost me thousands of dollars in increased interest, rent, additional fees, being able to purchase a new vehicle and being able to purchase a house. Granted, I should have checked before now, but I assumed since I made several attempts through different channels, there's no way those accounts are still on there!! I also assumed that it just took awhile for your scores to increase. That's what I get for ASSUMING!! 



Thanks
Complaint sub-issue: Other problem getting your report or credit score

My XXXX XXXX account stopped updating with my equifax credit score on XXXX XXXX. I reached out to XXXX XXXX on XX/XX/2021, & was told by a representative Equifax was not transmitting the data to XXXX XXXX and this was an issue on Equifaxs side so i needed to contact them. I tried contacting equifax but was unable to get through to a live representative due to their ridiculous automated system so I decided to leave it alone, figured it wasnt causing that big of problem since i Could still view my score on Equifax website. However it is now the end of XX/XX/2021 and i tried to request a credit limit increase on my XXXX XXXX card which was supposed to have automatic increase but wasn't for some reason and its was declined stating credit bureau information is missing or unavailable. I spoke to XXXX XXXX representative on XXXX XXXX who informed me the problem was on Equifax side and thats who I needed to contact. I contacted Equifax the same day and after multiple attempts I finally got through to a representative. The rep informed me there was no freeze or lock on my account which i already knew because i never placed one. He then said there did seem to be a fraud alert and he would transfer me to another department to have it removed. The next rep said the fraud alert would not prevent any creditor from pulling my credit report but he had removed the alert. I told him if that was not the issue then i needed the root cause to be found because i need my bank to be able to pull my credit report and this issue was affecting my credit limits and in turn going to affect my credit score. He verified my personal information was correct and stated there was nothing else he could do all I could do was wait. I requested to speak to someone in the IT department hoping they would be able to find some type of issue and solve it and he refused to let me speak to them stating they dont take incoming calls. I then requested for him to escalate my account to the IT department then and let them know what was going on so the issue could be fixed and he refused stating Equifax could do nothing else. I asked to speak to a supervisor and after him also refusing to help me any further i asked for his employee ID information to submit a complaint and he hung up in my face. Being that 2 different credit companies are tell me that they are unable to retrieve my Equifax data then there must be a problem on Equifax side that they are refusing to look into or solve. I can not raise my credit score without creditors being able to access my credit report and need this resolved asap. After a quick XXXX search i found multiple articles of people with the same problem with Equifax so I dont know why Equifax is acting like it is unheard of. It is currently XX/XX/XXXX, and i am still having the same issues with XXXX XXXX and XXXX XXXX being able to access my information.
Complaint sub-issue: Investigation took too long

On XX/XX/2017 and XX/XX/2017 I request that derogatory items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I also had requested the names, addresses and telephone numbers of individuals contacted during the investigation. The investigation took too long. and more than 30 days, etc. In addition I did not get proper notice of investigation status or results. As of this moment, Equifax have not done your duty mandated under the law. Equifax inaction in this matter is inexcusable, and your disregard for the law is contemptible. Equifax had 30 days to complete the re-investigation, yet you have failed to respond. On XX/XX/2017 Equifax failed to response within 15 days deadline. Attached copies of online dispute submittal Confirmation # XXXX, which have been delivered online both a dispute letter, dated XX/XX/2017.