Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Other problem getting your report or credit score

I have both successfully and unsuccessfully file disputes online via Equifax 's online dispute center. When successful, once I am notified of the results being available, I am unable to access them due to my info not matching what was on file. 
On one occasion when I called, the service rep told me the online system was down. Today when I used their web chat, I was told the same thing. For the past 3 days, including today when I have called, I was told by the rep that the 'system was updating and to try again later. ' The recording on the customer service line even has the nerve to send you to the site to submit and check the status of the report. 
My concerns are that they are offering services that are inefficient and ineffective if the customer is unable to use them and Equifax is unable to provide timely solutions when they are aware of issues with their system. Additionally, why are updates taking place during normal business hours impeding customers ability to get answers and access to their credit report. That is insane! They a once of the primary credit reporting companies that are used to impact millions of customers financial knowledge and well being daily. That should be unacceptable!
Complaint sub-issue: Debt is not mine

Last year I received a summons for a credit card that is not nor ever was mine. I sent it all the information that was requested as did my wife. They are just assuming this is my debt. I do n't know how more to prove that it is not I when it seems that all Mark Johnson LLC has to do is say it is me. Anyway I sent all the documentation that was requested. I also told them that I think it could be fraud done by my estranged daughter. I NEVER received a court date to fight these allegations. The next thing I know my check has been garnished in an exorbitant amount! I do n't know what to do because it 's impossible for me to prove a negative.
Complaint sub-issue: Reporting company used your report improperly

Equifax recently got hacked because of there lack of cyber-security. Now I have to go through the hassle of tracking my credit score and sign up for monitoring because of the potential my information could be sold and utilized to get loans, credit cards, and other financial gains for a identity theft criminal at the expense of my credit score. How I am I supposed to coup with this? I need financial reimbursement for time and money spent to maintain my security against identity theft. Equifax should be dissolved and the money should be given to the citizens of the united states of america.
Complaint sub-issue: Account status incorrect

It has come to my attention that debit that has been written of by the creditor So that means the original creditor has been paid for the alleged debt which is profit. As stated by the IRS anything that is considered as profit shall not be reported on a consumer report. Pursuant 15 USC 1681 S ( 2 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. So, these charge offs are not considered a debt its profit. Therefore, it should not be on consumer report. You have also violated my rights pursuant 15 USC 1681A ( 2AI ) which states that anything considered a late payment should not be on my consumer report. 

It is not my duty to hold you in compliance with the Fair Credit Reporting Act, however it is still my responsibility to make sure every item is reporting accurately so that my consumer report is fair and equitable to me, so take notice. I came across a publication on the Internal Revenue Service ( IRS ) website in which the IRS defines a charge off as gross or ordinary income. INCOME DOES NOT GET REPORTED ON CONSUMER REPORTS which in fact makes your reporting of the following account ( s ) inaccurate. 

" Charge Off '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove the late payments from the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Reporting company used your report improperly

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

XXXX XXXX XXXX # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Their investigation did not fix an error on your report

According to Public Law 116 - 136 - Coronavirus Aid, Relief, and Economic Security Act '' or the " CARES Act '', you are prohibited from furnishing adverse information during a covered major disaster period. The President has not declared the end of the national emergency, which means this is still in effect. I am requesting that you delete all adverse items of information on my report. More specifically, delete all of the adverse information furnished by XXXX XXXX from my credit file immediately. Per the cares act, no documentation of economic hardship is required. You are in noncompliance of federal law and you are civilly liable to me for XXXX the dollar figure specified under section 813.
Complaint sub-issue: Reporting company used your report improperly

On XXXX this company did a hard inquiry on my credit with out my approval can you plwaae delete this I have fraud alert on my credit haven't applied for anything
Complaint sub-issue: Information is missing that should be on the report

My mortgage loan was sold to XXXX XXXX  not by my request. They obtained the loan XX/XX/2018 and have not reported to any credit bureau as a result one of my credit lines was decreased and my credit score dropped several points. I called XXXX XXXX and was told they don't report new loans for 90 days By Law and that they would not report my account until XXXX. I called back due to not being satisfied with the answer received and spoke to a supervisor and was told they don't report right away to give the customer time to adjust to them as a new client. The supervisor advised me they would report this month XXXX which is different than what the representative told me. This is completely disappointing.
Complaint sub-issue: Deposits and withdrawals

Hello, I had a terrible experience with Citi Bank. 

I opened a checking and savings account based on a promotion about 6 months ago. The promotion involved depositing {$15000.00} into the accounts, keeping the funds for 60 days, and receiving {$400.00} 90 days after those 60 days. Within the past 6 months, I have been calling Citi several times to make sure that I qualify for the promotion. Every time, Citi has confirmed that I qualify. I called in XX/XX/XXXX to make sure I completed the needed activities ; I called in XX/XX/XXXX to make sure I will receive the bonus in XX/XX/XXXX ; and, after not receiving the bonus in XX/XX/XXXX, I called XX/XX/XXXX - during all of the calls, the Citi representative on the line confirmed that I qualify for the bonus. However, during the last call, on which I spent over 50 minutes on the phone, Citi refused to transfer the bonus and informed that I do not qualify for the bonus as the {$15000.00} was not transferred in time. Citi also told me they emailed me on XX/XX/XXXX to explain that lack of qualification, but I do not have any emails from Citi from that date. 

I was lied to by Citi for the past 7 months, as a result keeping my money with them instead of investing it elsewhere. If I had invested in a high yield savings account, I would have accrued at least {$150.00} off that money. I also could have invested in other checking accounts with similar promotions, which would have resulted in more than {$150.00} returns. Instead, I am left with wasted time, frustration, and lost financial opportunity. I have spent over 3 hours collectively on the phone with Citi trying to resolve this. Citi representatives have been less than concerned with the problem and the potential loss of a customer. 

This kind of behavior and low ethical standard are not acceptable for a leading financial institution. 

Thank you.
Complaint sub-issue: Transaction was not authorized

I was scammed out of XXXX dollars by someone XXXX dont know and they took XXXX dollars out my account. I contact cashapp because the funds was pulled out of my linked bank account, they said they arent capable of doing anything about it. So I contact my bank to dispute it, they successfully do it and gives me a provisional credit while it was in the works, fast forward to yesterday cashapp wasnt pleased that my bank said it was wrong about the transaction and demanded the money back so cash app tried to pull the money from my link card without my knowledge. So since they couldnt do that, they charged my cashapp accountXXXX  saying I owe them after I sought for help and everything. Bad business and they are protecting the scammer instead of the person who lost their money more so. Please help. I also was getting paid by dXXXX XXXX dollars and it absorbed my money that was 3 hours of work gone from me towards this account.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/XXXX, I mailed letter to XXXX requesting that an account be verified that was reporting to XXXX XXXX, Equifax, and XXXX. On XX/XX/XXXX XXXX sent me a letter back stating that the item was unable to be verified and they will be removing it from my records. I immediately called XXXX and verbally requested this information be update with all the credit bureaus they furnished the information too. The agent told me that my records will be updated in 30 days. On XX/XX/XXXX, I sent a letter request that the item be removed from my file because XXXX found it to be unverifiable. I have never received any response from XXXXXXXX XXXX, Equifax, XXXX, or XXXX regarding the removal of this item and it has been over 103 days with no response. I am a victim of the XXXX  data breach, and have every intention to take legal action if this is not corrected. This unverifiable information be reported is negatively impacted my credit and I am suffering with the inability to save money by obtaining lower interested rates, which directly effects my household budget. I feel that my requests are be ignored.
Complaint sub-issue: Information belongs to someone else

I have tried unsuccessfully to get my annual free credit check from Equifax for many years. I've never been able to get it from them. ( The other two companies never have a problem. ) Equifax makes you go through the entire process online, pretending that it will be sufficient, and then claims they can't provide the report after all. This is a basic issue that has been going on for years.

But this year, in the process of answering the security questions, both on the government access webpage and Equifax 's own website, every question they asked was about various car loans/leases and mortgages taken out in the past 3-4 years. We haven't done any of that. So every answer to their security questions was " none of the above '', which is very suspect. And as a result, Equifax will not allow any inquiry or dispute, because the security answers don't match and so we keep getting error messages no matter what we do. Long story short : I've tried to report what appears to be fraud/stolen identity to Equifax, both by phone and website, and they refuse to take the information or look into it, or provide me with proof of what they have under my name.
Complaint sub-issue: Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 71XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Complaint sub-issue: Public record

I have been disputed Tax Liens that was reporting on my credit as a Public records, and the information is not valid. I have Disputed this information with Equifax Several times and the results came back verified correctly. I have supported documents that supports that it has to be remove and delete and never it did.
Complaint sub-issue: Public record information inaccurate

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I, 602A, and 602 A Section 2 ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Incorrect and conflicting information was reported inaccurately with two credit reporting agencies. I have contacted XXXX, Equifax, and XXXX regrading an inaccurate reporting of a court bankruptcy public record from XXXX which is no longer list on my Equifax Credit Report. I have asked for this discrepancy to be removed from my XXXX and XXXX XXXX XXXX.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

In XXXX my Wisely account was compromised. Between XX/XX/XXXX - XXXX, a large of money was withdrawn, including a payroll check transferred directly from my direct deposit. The monies were transferred and deposited into an unknown account without my knowledge or permission. Approx. {$6000.00} was withdrawn and {$210.00} was left in my account. I immediately contacted wisely. That account was closed and a new card/account was sent with {$2200.00} approx. two weeks later. The process stated early on by customer service was that a time sensitive resolution letter would be sent within 7-10 business days for my review of account status and further account decisions. No letter has been received. Yet now ( today in fact ) customer service states account shows to be resolved. When I continue to call customer service within 7-10 days about not receiving resolution letter within 7-10 days, now its an email has and will be sent. It has been escalated to our... department. We had the wrong e-mail on file. An email will be sent within XXXX hours. An e mail will be sent within XXXX hours. Hanging up with no callback ( today ), etc. and so on. Tiring and taxing. The customer service interaction is frustrating, blatant lies and regurgitated inactions at this point. The only reason I keep reaching out to them is to keep a log of my actual contact attempts to have this financial dispute properly resolved and in a reasonable and professional fashion. However, this is not the case on Wisely 's behalf. Please help. 

My question is, ( besides where is the rest of my money ). How is $ XXXX resolution for a {$6000.00} compromised account transfers? And which part was resolved? What date? The math surely doesn't add up one way or the other as to what has been resolved. 

The website on wisely states that our money is FDIC insured. Wouldn't there be proper customer communication efforts were this true? I'm amiss and lost to this company 's process and behaviors. 

Thank you.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Account from XXXX XXXX was discharged in XXXX. XXXX. Company kept billing me, disconnected my service, and sent the account to collections despite knowing and having a record of this. Had my attorney attempt to reason with them, to no avail. Their actions made it difficult for me to take care of personal and medical needs, as I've gone for weeks without reliable phone service. This company is devious, with XXXX respect for its customers.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY INVOLVED. I HAVE SUBMITTED INFORMATION CONCERNING MY CONSUMER REPORTS TO THE 3 MAJOR CRA 'S AND NOTHING HAS CHANGED AND ITS A VIOLATION OF FCRA. PLEASE ADVISE
Complaint sub-issue: Personal information incorrect

On XX/XX/2020 I disputed the accuracy and completeness of information reported by Equifax in regards to a bankruptcy showing on my credit report. I made it clear to them that I am disputing the accuracy of the information provided to them by a third party information furnisher. I specifically stated and provided evidence showing that the name and address provided by the information furnisher does not match my name or address, but yet they continue to report this inaccurate information. In accordance with section 609 of the FCRA I demand that this inaccurate information be deleted from my report.
Complaint sub-issue: Personal information incorrect

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX Please delete any other versions of my name. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. 
The following addresses are not mine please delete them they are not accurate : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have phone number that are not mines please delete they are not mines : ( 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: Debt was already discharged in bankruptcy and is no longer owed

Attempting to collect a debt XXXX in bankruptcy, refuse to remove negative credit reporitng.
Complaint sub-issue: Information belongs to someone else

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above. 


Enclosures : a. Identity Theft Report b. List of Fraudulent Accounts on my Report c. FCRA Sections 605,609,6011 d. Proof of Identity To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate information on my credit report. I am writing to dispute fraudulent accounts opened without my consent. 
I did not open these accounts, nor did I give anyone authorization to do so. I am requesting that the accounts are removed and blocked. 
I am distressed that you have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The attached information therefore needs to be investigated. 
I respectfully request to be provided with proof of these alleged items, specifically the contract, note or other instrument bearing my wet signature.
Complaint sub-issue: Account information incorrect

The accounts listed below are not valid and incorrect. Adversely affecting my health and not able to apply for other credit. 

XXXX XXXX XXXX - Acct # xxxxxxxxxxxx XXXX XXXX - Acct # xxxxxxxxxxxx XXXX
Complaint sub-issue: Their investigation did not fix an error on your report

First Progress Card was sent a letter of dispute. After review of my credit reports, First Progress Card has not marked my account as disputed as required by the FDCPA