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

My online/web account with Discover Student Loans has been limited for several months now - apparently due to problems they are having with an upgrade ( or so they tell me ). Every time I log on to the online system I am greeted with these error message : " Access to your account is limited at this time. Please call customer service at XXXX for further assistance. '' " Due to system maintenance your Account Center payment history may be incomplete. We are currently working to resolve this issue. We anticipate the issue will be resolved in a few days. In the meantime, for complete payment history, please see your monthly statement ( s ). We apologize for any inconvenience this may cause. '' These website issues prevent me from paying my monthly loan payments online, downloading copies of my monthly statements, and seeing other pertinent and important information related to my loan. 

I have tried to contact Discover Student Loans numerous times via phone, chat, and their online messaging system and keep getting useless responses - from they are working on it, to generic form responses that do n't even apply, to some of the representatives I spoke with not even being aware of the issues. I have sent numerous emails to senior managers/executives and they have not responded. I have requested that they suspend my monthly payments ( and interest accumulation XXXX until they can get their act together and fix this, but they have not done so. I have been forced to waste time making payments via phone calls and do not feel comfortable continuing to do so.
Complaint sub-issue: Their investigation did not fix an error on your report

I had a repayment plan with Sallie Mae in which I had auto payment set up with my bank. That payment went out every month with out fail, and as long as I have been with Sallie Mae I had not made a late payment. Well after I graduated, they changed the repayment amount without sending me any notification of the change. I had not worried about the change, as the last documentation I have from them stated that my payment would not change until 6 months after graduation ( with all of my federal loans ). As a result, they marked my accounts as " unpaid '', even though my payment was still being sent ( just not the new amount ). They finally called me in XXXX, and I promptly called them back. The new payment amounts were much more than I could pay, so they worked with me to decrease the interest rate and reduce the payment amount. But, at the same time I called them they reported all of my accounts as " 90 days late ''. The issue with this is that it negatively decreased my credit report causing my revolving accounts to be decreased giving me less options to look for better options than Sallie Mae. On the calls with the people from Sallie Mae, they stated that once I made 3 payments in this new plan, the 90 day late 's would be dropped from my reporting. This was not the case, and it still shows as late. In addition to this, it does not seem right that Sallie Mae can charge higher rates on private student loans, yet they aren't really treated as a private loan ( that could be available for bankruptcy ). I hope that I can continue making the payments to Sallie Mae, although with their negative effects on my credit, and their inability to offer any repayment options like the Federal Loans, I am not sure it is possible.
Complaint sub-issue: Their investigation did not fix an error on your report

I am filing this complaint against Equifax regarding my mortgage account with XXXX XXXX XXXX XXXX Since XX/XX/XXXX, they have been misreporting and changing my Date of First Delinquency. 
In XXXX of XXXX, I checked my credit report with Equifax and could see that XX/XX/XXXX was listed as my Date of First Delinquency in a string of late payments that went through XXXX of XXXX. 
This information matched my reporting from the XXXX XXXX XXXX. In XXXX of XXXX, I again checked my online credit report with Equifax to confirm that the string of late payments was removed since it met the seven year statute of limitations. Unfortunately the Date of  First Delinquency had changed to XXXX of XXXX. The Date of First Delinquency is the beginning of the seven year count for removal of late payments from a credit report. THIS DATE DOES NOT CHANGE!!! Even more disturbing is that by law the string of uninterrupted late payments following the First Delinquency Date are to be removed too. I disputed this information and no changes were made and the date actually pushed out again. 
Equifax has continually pushed out that date and I will never meet the seven year anniversary that will allow removal my late payments from my credit report. The Date of First Delinquency is now listed as XX/XX/XXXX. This reporting is in violation of the Federal Fair Credit Reporting Act. If you are unaware the FCRA law regarding the Date of First Delinquency and the following consecutive late payments please refer this complaint to your legal department. You are in violation and are now on notice. 
I believe this may be a computer generated issue and someone needs to review this historical information with common sense and not just assume the computer is correct. You are not reporting a full seven years, you are change the DOFD, you are removing single late payments and not adjusting the string of late payments that should be removed. 
I have attached two of my Equiifax credit reports showing the change in a date that should never be altered. Also attached is a letter from the XXXX XXXX XXXX XXXX notifying Equifax that it is reporting the information submitted by the bank incorrectly, that it is erroneous and needs to be corrected. 
Again, if you do not understand the law regarding the importance and removal of the First Delinquency Date and the sequential uninterrupted late payments, PLEASE REFER THIS COMPLAINT TO YOUR LEGAL DEPARTMENT!
Complaint sub-issue: Account information incorrect

All this accounts was never late, please update inaccurate information and this is greatly affecting me and my personal life. I request that you update the following information. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX
Complaint sub-issue: Debt is not yours

Notice for Proof of Claim Account : ENHANCED RECOVERY COMPANY # XXXX To Whom it may Concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Complaint sub-issue: Account status incorrect

RC Willey is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt reporting. I immediately called and settled this account with them. I was unaware about this debt as I had never received any notices, calls, or letters regarding this debt. I ask that RC Willey removed this account from credit as it has been paid and settled.
Complaint sub-issue: Reporting company used your report improperly

Pursant to 18 USC 8, I owe no debt, This company XXXX XXXX XXXX XXXX XXXX ) is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate.
Complaint sub-issue: Information belongs to someone else

XX/XX/XXXX Equifax and XX/XX/XXXX will not give me a updated report
Complaint sub-issue: Account information incorrect

I reached out to Fed Loan Servicing a number of times explaining that my credit file should have been on deferment due to myself being disable, I was born disable and have been receiving social security XXXX since birth. My credit shows late payments which is damaging to my credit dated XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX on all 3 bureaus, I am only asking in good faith to remove the late payments off of my credit as I pursue to better my credit and life. Thank you
Complaint sub-issue: Can't close your account

XX/XX/XXXX : Received email from KeyBank, who issues a pre-paid debit card pertaining to child support payments made to the Alabama Department of Human Resources ( DHR ) Child Support division, about " rewards expiring. '' XX/XX/XXXX : Received another email from KeyBank stating it is my " last day to redeem your rewards! '' XX/XX/XXXX : Called KeyBank ( XXXX ) to confirm card ( which expired XX/XX/XXXX ) was cancelled. Told by XXXX ( KeyBank ) she could not close the account as the AL Child Support needed to make that request. Asked to speak with supervisor. Spoke with XXXX and she recommended I call XXXX  XXXX, gave me the XXXX phone number ( XXXX ) and said she hoped I could resolve the issue. 
XX/XX/XXXX : Contact XXXX  XXXX to request closure of card. Told they no longer do business with KeyBank and would not be able to contact KeyBank to close the card. Stated the card is in my name and I need to close it. 
XX/XX/XXXX : Contacted CFPB to ensure that KeyBank is required, by law, to close the account at my request since the card is in my name and uses my information to retain that card and spoke with XXXX. 
XX/XX/XXXX : Contacted KeyBank, spoke with XXXX, who escalated my issue and said I would be called back within 24-48 hours. 
XX/XX/XXXX : XXXX, a supervisor from KeyBank, called and he said he is unable to close my account due to the company policy that XXXX XXXX will need to make that request even though the account is in my name.
Complaint sub-issue: Was not notified of investigation status or results

On XX/XX/2020 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''
Complaint sub-issue: Investigation took more than 30 days

On XXXX, XXXX, 2022 a letter was sent via certified mail letter XXXX XXXX know that my consumer rights had been violated no response was send in over 45 days not even a certified slip came back I have no response and at this time I am demanding as the consumer all listed items in the letter be removed immediately due to violations of my consumer rights and also not responding within the federal time period given
Complaint sub-issue: Information is not mine

I am filing a complaint on Lexis Nexis because I have requested my risk file from them by mail on several occasions to see what is being reported about me because I continue to be denied for credit based on their information. They have not responded to my request at all.
Complaint sub-issue: Card opened as result of identity theft or fraud

XX/XX/2022, I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account, Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 

For the following account : Acct name : XXXX  Acct # XXXX I had enclosed a copy of my identity theft report with the written letter I sent out in XX/XX/2022 Because the information you are reporting is the result of identity theft, and inaccurate. 

I still have not received written confirmation of these actions.
Complaint sub-issue: Problem with the interest rate

On XX/XX/XXXX, my daughter applied for a fixed rate student loan from XXXX XXXX. The Loan, " Smart Option Student Loan, '' was for the amount of {$12000.00} with an interest rate of 9.5 %. The total finance charge for this loan was {$7000.00}. On XX/XX/XXXX, my daughter and I ( the cosigner ) received a letter from XXXX XXXX a letter stipulating an error. In this letter, XXXX XXXX states that the 'Total of Payment ' based on the interest rate will be {$45000.00}. The letter provide a Final Disclosure, in which it describes the loan to be a variable rate pegged to XXXX, with a note stating that the loan will never exceed 25 %. Upon contacting XXXX XXXX to obtain clarification, XXXX XXXX denies sending such letter and the new 'Final Disclosure. ' Instead, XXXX XXXX sends loans documents never previously sent or seen by us at the time of the loan application. The loan application was processed online, including signatures. The process did not offer a viable way of obtain physical copies of the online transaction. In fact, the amount of {$45000.00} was never presented during the application process. Had this amount been show or presented during the loan application, my dauther and I would have not proceeded with the signing of the loan. My daughter and I have contacted XXXX XXXX several times to resolve this matter at no avail.
Complaint sub-issue: Information is not mine

Checked my credit report and found there was a hard inquiry for XXXX that I did not authorize. I did not apply for ANY credit on XX/XX/XXXX. This is being reported at XXXX of XXXX credit agency.
Complaint sub-issue: Can't close your account

Key bank opened a checking account on XX/XX/22 with a {$50.00} deposit on my credit card. The next day Key Bank removed my access to the account stating that I need to visit a bank branch in person to regain access to my account. The nearest Key Bank branch is over XXXX miles from my house and I have no method to visit a branch in person. If there were account security concerns the bank should have told me before opening the account. 

I asked the bank to close my account and refund my {$50.00} credit card charge. The account was opened less than XXXX before I encountered the problem. Key Bank refused to close the account unless I visited a bank branch and said I would incur an early account closure fee. The Customer Support Manager I talked to on the phone, XXXX, hung up on me when I asked how to spell her name for this complaint.
Complaint sub-issue: Reporting company used your report improperly

today I was alerted by all the credit bureaus of 19 false inquiries on all my credit reports i have already filed with identity theft.gov I will upload a copy of the report as well as a result my credit score was decreased in abundance from something I didn't do my self as well as all the credit bureaus violating my rights which in turn hurt my credit score In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, as well as XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/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 an account without my written instructions
Complaint sub-issue: Company closed your account

CashApp closed my account that has existed for a couple of years. No warning. Nothing. They are refusing to communicate any details.
Complaint sub-issue: Can't use card to make purchases

Im a card holder of Macys and in XXXX several packages were received with missing items. I stayed the complainant which isnt my fault that either I had a porch pirate or XXXX was stealing my packages. Now theyve cut off my online purchases but I can go in the store however I dont even reside in a city that has a Macys.
Complaint sub-issue: Account information incorrect

Citibank has continued to post bad information on my credit report. None of my reports say the same thing. The more information I provide the worst the reporting gets. 

I have attached proof that I have been paying my account. 

I will be contacting a lawyer and the AG of Texas about this. This false reporting is causing me hardship. 

1. ( XXXX  ) CITICARDS CBNA Last reported XX/XX/2020 {$120.00} Reported balance PAYMENT HISTORY You've made 70 % of payments on time All 2020 payments are reported as LATE. 
Minimum monthly payment {$25.00} 2. ( XXXX  ) CITICARDS CBNA Last reported XX/XX/2020 {$99.00} Reported balance All 2020 payments are reported as LATE, except for XXXX. 
Minimum monthly payment {$25.00} 3. ( XXXX  ) CITICARDS CBNA Last reported XX/XX/2020 {$120.00} Reported balance All 2020 payments are reported as LATE, except for XXXX. 
Monthly payment {$25.00}
Complaint sub-issue: Investigation took more than 30 days

I sent out a letter that Equifax received on XX/XX/2021. today is XX/XX/2021 and i have not receive any information regarding the dispute/investigation letter.
Complaint sub-issue: Information belongs to someone else

Incidents of fraud, data breaches and identity theft are becoming more rampant, I therefore legally request the DELETION of INACCURATE accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. CXXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 19. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 20. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 21. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 22. XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 23. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 24. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Complaint sub-issue: Reporting company used your report improperly

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX
Complaint sub-issue: Credit denial

I purchased a vehicle from CarMax in XX/XX/2021. I made every payment on time and paid 50 % towards the principal. I am currently working with a mortgage broker to purchase a home for my family because my lease is up on XX/XX/XXXX. However, CarMax hasn't reported to the credit bureau since XX/XX/2021 so my report shows that I still owe over {$13000.00} which is entirely inaccurate. I have contacted them three times to correct this and they still have not. I have another person on my account and their credit report was updated but mine is still inaccurate. This is preventing me from purchasing a home and if it isn't rectified immediately, my children and I will have nowhere to live.
Complaint sub-issue: Sued you without properly notifying you of lawsuit

Received a letter from RAS XXXX on or about XX/XX/XXXX about XXXX alleged debts from XXXX XXXX. 

Their letter was deceptively dated XX/XX/XXXX and said I had 30 days to dispute, which was already past from the date. 

Whether this was an error, intentionally deceptive or there was a huge delay in the mail is unknown. 

My rights are 30 days from receiving though. 

On XXXX, I received mailers from attorneys stating I had a lawsuit already filed against me. 

I immediately sent my dispute letters via XXXX using Certified Mail w Return Receipt. 

Debt Collector initiated lawsuit with no notice and only an initial communication that was dated wrong. 

Also, the debt is not mine and has now been disputed. Debt Collector should withdraw lawsuit and cease any further collection activities.
Complaint sub-issue: Their investigation did not fix an error on your report

I continuously contacted the credit bureaus and the company XXXX XXXX XXXX showing them my identification and proof of my residence. That the debt is not valid and it has not been removed from the credit report. The collection company has my identification from two states XXXX, XXXX  and XXXX XXXX  showing them where I reside and continue to reside. The debt is not valid. It needs to be removed from my credit report since it impedes me from getting home loan.
Complaint sub-issue: Account status incorrect

I had an account with Conns home appliance Inc. they charged the debt off and closed the account I their system. They have continued to report it to my credit as an open account t and have violated the fair debt collection practices act by attempting to get me to pay a charged off account as well as stated no matter what they law is, the collections will not stop. They also said the government will not do anything about it so I should just get over it.