Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with customer service

I am complaining because CITIbank is not allowing its credit card holders to view their statements online. Over a two week plus period, I have been clicking on view statements through a pdf or otherwise, and the bank continually notes that its system is temporarily not working. In the meantime they send me all types of emails with special offers, etc. Today, XXXX sent me two emails which said I should click on them to view a statement ; instead I received the same message I have been getting for some time that their system is temporarily down. I do not receive this same type of fraudulent service from other banks. Your agency should contact the bank which is clearly keeping information about interest rates and prior charges from customers. Thank you.
Complaint sub-issue: Problem with product or service terms changing

I am a member of creditkarma.com and get emails from them on a regular basis. On XX/XX/XXXX of this year I received an email urging me to check my " ID monitoring '' page. I went to the page and saw a username I use on a variety of sites displayed there ( actually 4 of the 7 letters were displayed but I knew what is was instantly ). I was upset and curious as to how they found out a username ID that I use. I did *not* authorize them to do any identity monitoring - I got this account to view my current credit score because this site is free. 
I immediately sent a message to credit karma asking how they got this information. I subsequently sent 2 or 3 followup  emails. It is now a month later and I have not heard back anything from them. The only phone number I was able to find never answers and hangs up immediately.
Complaint sub-issue: Reporting company used your report improperly

On XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX XXXX XXXX XXXX XXXX has place hard inquires on my Equifax report I have a direct email with XXXX XXXX and despite emailing them constantly and calling them, they have NOT removed these illegal fraudulent hard inquires. Equifax said if XXXX XXXX would call them it would take only moments to resolve. They hangup like little babies, cant return calls like they said they would ( XXXX XXXX, XXXX XXXX or XXXX XXXX XXXX the supposed bosses, every time I open a case instead of them removing the previous hard inquires that I never authorize they completely ignore the FCRA and another illegal hard inquire shows up. These people need to have their banking license pulled there unapologetic criminals and flaunt federal laws while agencies like your allow it to happen. Remove the illegal hard inquires without delay!!!!!!!
Complaint sub-issue: Credit inquiries on your report that you don't recognize

There are inquiries on my credit file that I did not authorize. I 've written and mailed out a letter stating to remove unauthorized inquiries on my credit files and sent this through certified mail to ensure delivery. I do not recognize nor did I authorize the inquiries listed in the letter that I sent to the credit bureaus. The bureaus received a detailed copy of my letter with identification.
Complaint sub-issue: Debt is not yours

I have no knowledge of this company or alleged debt. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Complaint sub-issue: Reporting company used your report improperly

Equifax let itself get hacked then waited two months to reveal this fact.
Complaint sub-issue: Debt is not mine

When I changed my residence, I tried to transfer my internet account from my old residence to my new. I called XXXX, and requested a transfer. Instead of doing what I requested, they opened a new account and left the old account active. I did n't realize this at first and started receiving notice for late payments. I would pay them, thinking I had made a mistake, and the next month I would receive a late statement for the alternate account. Many months later I realized the different account numbers, inquired to find the issue, and called the company. After many phone calls and emails, my complaint was sent up through their company for review. They came back apologizing, gave me a check for the wrongful charges, and assured me that both accounts would be closed. For a few years I heard nothing, then XX/XX/XXXX, a collection agency AFNI contacted me to inform me that I owed them {$350.00} for and account I had with XXXX. The same account that was fraudulently created. I called XXXX and emailed a complaint. I got a response back again admitting it was an error, and saying that AFNI would be informed and called off. It is now XX/XX/XXXX, I tried to apply for a home equity loan and was denied because the XXXX issue still is n't resolved. My credit score is wrongfully low, and this is now affecting my future. I need this loan for my divorce, or I will be forced to sell my house. I contacted XXXX yesterday, and my account is still showing I owe.
Complaint sub-issue: Information belongs to someone else

equifax, XXXX and XXXX has some inquiries and accounts on my credit report that are not mine. 
last four of social that is not mine : XXXX- not mine INQUIRIES that are not mine : XXXX/EQUIFAX MORTGAGE SERVICES- not mine XXXX XXXX XXXX- not mine XXXX not mine XXXX XXXX XXXX-not mine XXXX XXXX-not mine XXXX XXXX XXXX- not mine XXXX XXXX XXXX XXXX- not mine XXXX-not mine XXXX XXXX XXXX- not mine XXXX & XXXX XXXX XXXX XXXX- not mine XXXX XXXX XXXX XXXX not mine XXXX- not mine accounts that are not mine : Creditor : XXXX XXXX XXXX Account : XXXX I have no knowledge of this account XXXX XXXX XXXX Account : XXXX I have no knowledge of this account Creditor : XXXX XXXX XXXX Account : XXXX I have no knowledge of this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

I have contacted XXXX XXXX, now XXXX on multiple occasions, I even contacted the Federal Student Aid Department. This information didnt get updated. They have admitted to putting a retroactive forbarence on my account. I called and advised them on multiple occasions that it should be in a forbearance status as I was unemployed at the time, and was going though financial hardship still due to the loss of my mother, they have failed to retroactively correct this all the way, and have not updated my credit report for years.
Complaint sub-issue: Reporting company used your report improperly

On XXXX XXXX, 2017, Equifax released a statement outlining a breach in their systems that impacted approximately 145 million people in the US. Using their www.equifaxsecurity2017.com site, I was notified that my personal information was potentially impacted by this release. I have frozen my credit reports with Equifax, XXXX, and XXXX, and am submitting documentation to complete my freeze with XXXX. I have also placed a 90 day fraud alert on my reports. There is no further action I am aware of that can be taken.
Complaint sub-issue: Keep getting calls about your loan

I have a student loan though Sallie Mae Every month the day my payment is due I start receiving multiple calls a day until it registers in their system that I made my payment. So if I pay my payment on XXXX, but it doesn't register till XXXX I'll still receive multiple calls a day until XXXX. Sometimes as many as XXXX calls a day regardless of if we answer the phone or not and regardless of what I say to them. 

Today for example I received a call from them at XXXX and spoke to them at length to explain I would make my payment when my check got deposited, they persisted I told them I would pay it as soon as I got paid. They called again at XXXX, XXXX, XXXX, and XXXX I did not answer.
Complaint sub-issue: Account status incorrect

I recently reviewed my credit report and I observed that XX/XX/XXXX are reporting late payments to the credit bureau, This negative reporting has had a severe damage on my credit score & credit worthiness. XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. I don't recall making late payments and I am requesting that the credit bureau provide my physical proof that the alleged payments were in fact late as being reported. 

NOTE : I have requested XX/XX/XXXX to provide me proof that the alleged late payments are accurately being reported to the credit bureau and as of todays date XXXX has not complied with my request.
Complaint sub-issue: Reporting company used your report improperly

In accordance with the fair credit reporting act accounts XXXX XXXX, XXXX XXXX XXXX XXXX, DEPT OF ED/ XXXX, XXXX/DEPT OF ED, XXXXXXXX XXXXk, Hard inquiries XXXX XXXX XXXX XXXX IXXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.CC 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: Their investigation did not fix an error on your report

I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Equifax get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX  XXXX Balance : {$560.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$16000.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$2300.00} MI XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX XXXX Balance : {$4000.00} XXXX XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$3300.00} US DEPT ED XXXX Balance : {$4300.00} US DEPT ED XXXX Balance : {$1700.00} US DEPT ED XXXX Balance : {$1300.00} US DEPT ED XXXX Balance : {$1700.00} US DEPT ED XXXX Balance : {$4200.00} US DEPT ED XXXX Balance : {$8000.00} US DEPT ED XXXX Balance : {$4200.00} US DEPT ED XXXX Balance XXXX {$1800.00} US DEPT ED XXXX Balance : {$1800.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$4200.00} XX/XX/XXXX US DEPT ED XXXX Balance : {$8300.00} US DEPT ED XXXX Balance : {$3400.00} XXXX XXXX XXXX Balance : {$4900.00}
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I'm not sure the dates I thought I froze all accounts but now my log in information is changed I have had trouble sighing into XXXX as well my ex husband has my social security card and old licences I can't log in to any of my information to fix or monitor it it's a nightmare and I don't know what to do my name is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Arkansas XXXX XXXX ss # - XXXX XXXX XXXX birthday XX/XX/1987 I didn't realize this was happening until I didn't get my taxes and someone already applied for financhial aid and had a profile like an account when I never made one.
Complaint sub-issue: Was not notified of investigation status or results

I am writing because I recently came out of bankruptcy and there are still companies reporting on my report that should have been taken off and they are still harassing me. I sent the bureaus letters over 2 months ago and still have not received any information from them or an update on whats going on. I want these accounts removed because its been over 2 months and I never authorized any furnishers to report on my accounts. I will definitely be seeking litigation if this can not be corrected because this is straight violation and negligence on the bureaus part.
Complaint sub-issue: Problem with product or service terms changing

Equifax compromised 143 million US consumers data. I went to check if I was one of them and to sign up for their protection services. Since I was indeed one of the 143 million. I did not realize that by accepting their terms of service I was opting out of possible class action suit against Equifax, See : XXXX XXXX XXXX " ARBITRATION. PLEASE READ THIS ENTIRE SECTION CAREFULLY BECAUSE IT AFFECTS YOUR LEGAL RIGHTS BY REQUIRING ARBITRATION OF DISPUTES ( EXCEPT AS SET FORTH BELOW ) AND A WAIVER OF THE ABILITY TO BRING OR PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR OTHER REPRESENTATIVE ACTION. ARBITRATION PROVIDES A QUICK AND COST EFFECTIVE MECHANISM FOR RESOLVING DISPUTES, BUT YOU SHOULD BE AWARE THAT IT ALSO LIMITS YOUR RIGHTS TO DISCOVERY AND APPEAL. '' How was I supposed to know that was written in, I was concerned about personal information being compromised and in a state of panic. I swiftly tried to do the right thing by following what Equifax recommended, and in doing so unknowingly gave up my small and seemingly only right to arbitration.
Complaint sub-issue: Debt is not yours

In accordance to the Fair Credit Reporting Act the below account has violated my rights for privacy and confidentiality under 15 USC1681 : AMERICOLLECT INC, 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 a account without my written instructions.
Complaint sub-issue: Information belongs to someone else

I have contacted XXXX XXXX, XXXX, Equifax, and XXXX   several times. I have sent multiple letters and made multiple phone calls. The account with XXXX XXXX is invalid, and inaccurate. The account is not mine. My data was compromised in the Equifax data breech. XXXX, Equifax, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.
Complaint sub-issue: Account status incorrect

request deletion of XXXX XXXX XXXX account ending XXXX due to the fact that XXXX XXXX  request to delete this trade line
Complaint sub-issue: Was not notified of investigation status or results

I SENT IN LETTERS REGARDING INACCURATE REPORTING FALSE ITEMS ON MY CREDIT REPORT. THERE ARE ITEMS THAT WERE DELETED BUT I WASN'T NOTIFIED OF ANY INVESTIGATION TAKING PLACE NOR METHOD OF THEIR VERIFATION. I FEEL LIKE IM BEING IGNORED OF MY DISPUTES. THIS ARE DECEPTIVE PRACTICES BY THE BUREAUS.
Complaint sub-issue: Their investigation did not fix an error on your report

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with inaccurate information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$810.00} XXXX XXXXBalance : {$8800.00} XXXX XXXXXXXX XXXXBalance : {$640.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXXBalance : {$8700.00} XXXX XXXXXXXX XXXXBalance : {$0.00}
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX XXXX inaccurate collection/chargeoff, inaccurate last date active, inaccurate date of last payment throughout all XXXX credit company. Information is not valid and proven to be inaccurate.
Complaint sub-issue: Account information incorrect

XXXX XXXX notified credit bureaus I didn't pay on time, I made my payment on XX/XX/2020, payment wasn't due till XX/XX/2020, credit bureau drop my credit score by 50 points, tried to get it correct but nothing was done, my credit score dropped by 50 points, credit score was around 670 at the time, I want my credit score restored by all three credit bureaus to the correct credit score, before XX/XX/2020.
Complaint sub-issue: Information belongs to someone else

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX {$900.00} XXXX XXXX {$460.00} XXXX/XXXX XXXX {$420.00} XXXX XXXX XXXX {$11000.00} XXXX  XXXX XXXX XXXX {$140.00} XXXX XXXXXXXX {$500.00} XXXX XXXX XXXX {$28000.00} XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXXXXXX {$900.00}
Complaint sub-issue: Account status incorrect

Incorrect information is reflecting on my credit report that my account was paid late and it was not they just said I had a late payment on XXXX was reported on my credit report saying I was late in XXXX. Its currently showing Im late and this account has been paid in full with a XXXX balance since XXXX. There not reporting anything accurate on my credit report not XXXX balance not current limit and also reported a late payment which I was never late. On my credit report stating Im late and Im not late. I need a letter stating that Im not late and showing my current balance which is XXXX. The attachment shows it wasnt updated since XXXX but I got alert on XX/XX/XXXX and my points drop XXXX points because was showing currently late I also attached my credit limit with them showing also I dont owe anything also what is reporting incorrectly on my credit report I was never late and why was this just got reported XXXX if I was late way in XXXX. I was never late I want this corrected and Im currently not late as well. Thank you
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

( AND ) 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.

my rights were violated by the three bureaus by reporting these two accounts : XXXX ( Dismissed ) and XXXX ( Discharged ).
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I have submitted my identification and FTC report to Equifax many times and they continue to say the documents are not legible when I'm sending full exposure color documents. Furthermore they are giving me the run around about removing the fraudulent inquiries listed on my report. First they advised that I needed to list all inquiries on the FTC report which only allows you to list up to 3 inquiries. I resubmitted with all remaining inquiries listed in the personal statement section of the FTC report as Equifax 's supervisor advised me to and waited 30 days and then another supervisor tells me I needed to list each inquiry on a separate FTC report.
Complaint sub-issue: Account information incorrect

I reviewed my credit report with equifax found a account from XXXX XXXX I immediately made a challenge on the unknown account, equifax verified the account but I know that they verified it in a short time so I dont think the account was investigated, equifax knows that the FCRA requires them to provide me THE METHOD OF VERIFICATION I REQUESTED .... however they try to stall and send me generic answers about how they verified this account, they need to make sure that XXXX provides me the original signed agreement, if XXXX saying they cant provide me this information how did they provide it to equifax? My name, address and last 4 of social is not verification because clearly anyone can get access to that information, I need competent proof which is my rights, all verification without proper certification is a violation and i may seek compensation, equifax is not acting in good faith
Complaint sub-issue: Can't get flexible payment options

Back In 2016 i enrolled myself in XXXX XXXX XXXX, I was enrolled for 18 months out of that 18 months i only completed 6 months when the school closed unexpectedly on XXXX XXXX, 2016 in XXXX XXXX. During the enrollment process i was granted a private loan From ASFG for XXXX and this lender is still wanting to me to pay for a school that no longer exists and the owner was granted a Chapter XXXX Bankruptcy
Complaint sub-issue: Account information incorrect

I have contacted Ally several times asking them to update the payment history and balance on my car loan. They are still reporting that the loan is late and I have been on time for over a year. it is negatively effecting my credit report and my cosigners credit report. I have disputed it with the all three credit bureaus and the same result they say lender confirms info.
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these items 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 #, and I'm including it again. 
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: Company closed your account

Citi Bank closed my account without valid reason. They should have protected me and my money. I should be able to trust my bank that i have a relationship with for over 15 years. Also, i am a Citi Gold member. They should have notified me and give me a chance to resolve the issue. Instead i found out my bank account was closed when my card got denied at a resturant, which was very humiliating. I've done nothing wrong and do not deserve to be treated this way. I proactively went into the branch to talk to the Citi Bank manager, XXXX, to provide proof that all my transactions and all my banking activity is legitimate and there should be no issues. Instead i was turned away. I've called customer service dozens of times, and each time i am left on hold and then am told they will not help me and the call is discontiuned. I feel helpless and tramatized by this experience. I have anixety and stress about my financial well-being. I am worried because i can not see my statements online and my credit card charges. I have no access to my remaining balance in my account. I am asking for someone to please help me fix this problem. Citi Bank has wrongfully closed, frozen and blocked my account. I can not withdraw, i can not deposit and i dont know whats going on.