Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Problem with product or service terms changing

XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX Sirs : It is my understanding that in XX/XX/XXXX Equifax implemented a new system for consumers to manage security freezes on their credit report. The new system appears to operate under the web address of myEquifax.com. Apparently, since your conversion to the new system, you have suspended my access to my online account and I am no longer able to access the online system to temporarily lift my security freeze, when I require that action be taken. I discovered this system error in early XXXX when I attempted to temporarily lift my security freeze. After several different sets of instructions from Customer Care, I had to use the phone-base system to perform the required action. The Customer Care organization in the XXXX is unable and unwilling to determine what was done to my account and what I am required to do in order to have my access restored to myEquifax.com. I have been calling Customer Care on a regular basis and continue to get the same tpe of response I'm sorry to hear you're having a problem, I will submit a report of the problem, and You will receive an email when the problem has been resolved. All of this occurs usually after I am quizzed about the contents of my credit report so they can be assured they are actually talking to me ( they all use the same script ). The end result is that nothing has been done. 

This has the appearance of another breach of your fiduciary responsibility in handling personal information of the people whose data you harvest and then sell for a profit. I have been trying, unsuccessfully, for several months to get any substantive information about why my access was removed and what I have to do in order to get my access restored. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Complaint sub-issue: Problem using a debit or ATM card

XX/XX/2022 I used a debit card for purchases in XXXX XXXX at XXXX ; XXXX, and XXXX XXXX 
At XXXX, XXXX and again at XXXX, a " device '' other than the card in my possession, not authorized by me, known to me or with my consent, was used to fraudulently withdraw funds from an ATM owned by XXXX XXXX XXXX XXXX within XXXX  XXXX, I attempted to contact issuer of Cashcard ( debit card ) " Cash App '' to halt and dispute theft. They only have an automated " bot '' on Sundays. No live assistance was available. 
I immediately changed PIN. I continued to try to contact Cashapp help. 
I then went to XXXX XXXX and at XXXX and XXXX XXXX used the card in my possession to withdraw funds with a time and date stamp for proof of my possessing card and my location,, and I sent funds to XXXX recipients to drain my account should further fraud occur. 
XXXX is approx XXXX miles away from where I was located and a XXXX XXXX XXXX XXXX. 
The following morning at XXXX XXXX I was informed by Cashapp that I needed to contact the merchant. I contacted XXXX, obtained the name of the credit union supplying and faciltiating the ATM and transactions, tried to contact them and submitted an email to themThey responded two days later, told me they could not help me as I was npot a credit union memeber.. I contacted Cashapp repeatedly, via chat which was scripted and not helpful, via phone to a number that states they will make contact and to wait for this. 
I began the dispute process, which is vague and although entry areas are provided for associated transactions, these were not processed with the dispute. I eventually, days later, spoke to XXXX at Cashapp who assisted with the dispute forms, again was told to wait and they will investigate. I waited. I called, I sent requests for help, all came back formulaeic and unhelpful. I was denied provisional funds. 
I waited. On XX/XX/XXXX I drove to XXXX to engage with a live person at XXXX, who told me they did not have ATMs in XXXX. I drove to the XXXX pharmacy, took a photo of the ATM used for the fraud, returned to the SCU and showed the clerk the photo. He shrugged it off and said he couldn't help me. 
At XXXX I arrived at the XXXX Police Dept, but they had closed at XXXX. I drove XXXX XXXX hour back to XXXX. 
No one was following up with my status requests, no one would assist me. The next day, XX/XX/XXXX, I received and email of Dispute Denial. 
I have been trying to request documentation of their investigation. 
I have written to the Head of Cashapp and Square-whatever it is explaining I am going to pursue this in any and all manners possible, and I believe thios to be an Interstate crime as it involved XXXX and XXXX and I was physically unable to be in both places during the hours of transactions, and that I had physical possession of my card. It has been 19 days and I have no money, no recourse and I have been a victim of theft of funds supposedly secured in a reputable " institution '' I use the term reticently. Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

To whom it may concern : I recently found that you are still illegally reporting inaccurate, noncompliant, and false information about me, I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists for the following accounts & account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metra 2 COMPLIANCE regulations. I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. 

Please delete accounts from my report immediately. I await your reply. 

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

In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX XXXX, Account # : 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: Received bad information about your loan

I have been wanting to make targeted payments toward my student loans, and my goal is to target payments toward loans with higher interest. However, that information is not available because there is not currently interest accumulating due to the COVID forbearance. I contacted FedLoan to obtain this information. The customer service provider could only provide this information verbally. She did indicate that a breakdown could be generated and uploaded to my portal. This has not happened, and instead, I was provided letters of update regarding PSLF, which doesnt apply to me. Further, one can not obtain a historical breakdown of payments or accumulated interest over time. 

Being that I was provided interest information verbally, I felt I had adequate information to make a payment. On XX/XX/XXXX I made a payment through the Fedloan online portal. I targeted two different loans and paid the entire loan amount listed. 

I paid one loan in the amount of XXXX and another for XXXX. My payment breakdown states : XXXX went to principle and XXXX toward interest on loan 1 ; and XXXX toward principle and XXXX toward interest on loan 2. 

Currently, FedLoan is stating these two loans are not actually paid in full, as there is outstanding interest that is not factored into targeted payments. Considering there has not been any interest accumulation in two years, this is intentionally misleading. I also have a loan verification letter from XXXX of XXXX with the same amounts listed, that apparently, do not include interest. This letter was utilized so I could obtain a mortgage. 

Further, there is no messaging when making payments to FedLoan stating that information listed is not inclusive of interest. 

This process, the website, and the ability to understand amounts due is intentionally misleading and difficult. Attempting to pay back and manage student loan information continues to cause an amount of anxiety that is unnecessary. The amount of time, energy, and resources that I have put in to obtaining the correct information is beyond infuriating and is utterly nonsensical unless the goal is further burden those with debt. 

I have had 3 mortgages in my adult life, and several car loans. The information regarding repayment and interest is both clear and available. I can obtain a breakdown through the duration of the loan amount, interest amount, and how my payments are applied. How come student loans CONTINUE to be intentionally misleading and difficult??
Complaint sub-issue: Information belongs to someone else

Discover is reporting an account on my credit report that I never applied for. 

It was opened XX/XX/2014 and has a credit limit of {$1500.00} and a balance of {$2000.00}. 

Furthermore, the address on the account is in Oklahoma and I have resided in Alabama for several years so there is NO WAY it is mine.
Complaint sub-issue: Their investigation did not fix an error on your report

I participated in the Student loan rehabilitation program due to my student loan ( s ) being in default. I made the necessary 9 payments successfully and was never late paying. I completed the program which brought my loans out of default and any late payments would be removed. The late payments are still showing on my credit report for all three bureaus. I have disputed multiple time without any success. They refuse to update my payment history and their response is they verified with the one who furnished my loan. I know that to not be correct because XXXX was the one handling my defaulted loan and I have the letter from them informing me that I successfully completed my rehabilitation. The credit bureaus did not investigate this information and they listed a generic statement XXXX and XXXX list the name as XXXX/XXXX and Equifax list the name as XXXX/XXXX. This is very frustrating because it is preventing me from obtaining the loan needed to purchase my home.
Complaint sub-issue: Other problem

Dear sirs, My issue is with a XXXX  Visa Credit Card, and Citi Double Cash Card, both issued by Citibank N.A. On XX/XX/XXXXof this year, I attempted to contact Citibank to request assistance in furnishing me with access to view my credit cards online.

On XX/XX/XXXX at approximately XXXX XXXX I was transferred to 'XXXX ' and remained on hold for more than 40 minutes without a response. I was then disconnected.

Later that afternoon at approximately XXXX XXXX I was again transferred to 'XXXX ' and waited on hold for 47 minutes and gave up.

After another 20 minutes, and the assistance of a XXXX  employee, I was connected with a 'Supervisor ' at XXXX. After a lengthy delay, he said that he had performed the actions necessary to grant me access to my account. Unfortunately this was not correct, and he made no changes to my account.

My issue is that the customer support for both the XXXX  Visa Credit Card and the Citibank Double Cash are so poor that any reasonable person would have capitulated, and they effectively do not provide these legally required services.

I am asking the CFPB to investigate the lack of access to credit card information provided by Citibank.
Complaint sub-issue: Information is not mine

Background screening for lease on new house turned up someone else associated with my social scurity number on credit check.
Complaint sub-issue: Information belongs to someone else

I XXXX XXXX am a victim of identity theft and fraud. EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 5th ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX is a fraudulent account and it has yet to be removed from Equifax credit report even after providing police report that was filed in XXXX of 2016 right after that account was opened
Complaint sub-issue: Account information incorrect

Recently I looked at a copy of my credit report and noticed you are reporting this account with a PAST DUE BALANCE, this is inaccurate reporting and should be removed immediately. 

Here are the items I am asking you to verify as accurate : 1. XXXX | XXXX  After your investigation is complete, please send me the results via mail.
Complaint sub-issue: Account status incorrect

Closed accounts, dates and time. Inaccurate amounts. Late payments reported on accounts that were closed or got closed. Paid accounts or settled accounts still say derogatory. XXXX XXXX  is reported with XXXX late payments which is impossible as it is taken right out of my check. The XXXX XXXX  is rears and shows a collection account and states derogatory. Been paying on the rears 4 years straight never missed a beat. Only reports negative balance and collection and derogatory, but doesnt report every on time payment. I am denied any types of loans and credit card. XXXX XXXXt should be effecting my credit bureau like it is. I trust u understand. Thank you
Complaint sub-issue: Their investigation did not fix an error on your report

I have disputed incorrect information on my credit report 3 times and Equifax has not did anything to investigate or remove those items from my report. I have gotten no response from any of my disputes. I need an address removed that does not suppose to be there as well as some accounts that are not mine needs to be removed. I disputed once again with Equifax and I would like to receive a response of my disputes within 15 days since it took numerous times to dispute these items.
Complaint sub-issue: Information is missing that should be on the report

After reviewing my credit report, I am deeply upset about the erroneous things I see on my credit report.
Complaint sub-issue: Account information incorrect

I recently found out that a Citibank student loan was a " private '' loan that i had received while attending XXXX University. I was led to believe that all the students loans from that period were NOT private loans. When the loans were consolidated -- it was discovered that the Citibank loans were indeed private loans. 

I contacted Citibank and discovered that the loans were housed in their collection unit. I spoke with someone on the phone and asked for him to delivery to me of the original instrument of indebtedness in its original form. On XX/XX/2019, I received communication with the following information : application, promissory note, and disclosure statement. 

CitiBanks keeps re-aging these accounts to reflect current parameters and, upgrading to reflect negative information on my credit file. There is no Original Date of Delinquency listed on any of the credit files. 

I have sent communication to the three credit bureaus to delete unverified and inaccurate information, And, I have sent communication to Citibank, directly.
Complaint sub-issue: Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below in my credit report : XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX BANK XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$0.00}
Complaint sub-issue: Threatened to take legal action

I received a call regarding a debt which is not valid. The debt collector stated, and repeated, then confirmed that if I did not pay this debt I do not owe, or provide information from my insurance company, they would file a complaint with Washington State Department of Licensing to have my license suspended.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

I have contacted and disputed these inquires and Equifax has yet to remove from my report after i have told them over them phone as well in letter form that these was NOT my inquires. Please Have Removed ASAP Thanks I'm attaching a Police report with this complaint. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Complaint sub-issue: Information belongs to someone else

I contacted Equifax to have them remove an account on my credit report that does not belong to me and was re-aged. Equifax stated that this " time-barred '' account would remain on my credit report.
Complaint sub-issue: Information belongs to someone else

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX XXXX XXXX.
Complaint sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

I am trying to submit an dispute online and Equifax website is not allowing me to do.
Complaint sub-issue: Problem with customer service

I have been in repayment now for about 17 months or more. I have tried calling to keep up with payments when I am switching jobs, when I am out of a job, or anything in between. I do n't know what kind of company Discover Student Loans or training they are running. But, I have, on several different occasions been told one thing, and then hear the opposite when I call in. The only consolation is, I am sorry you were given band information. This does not help my credit score or history. They have made so many mistakes in fact, that there have been multiple periods of time when I have dealt strictly with supervisors b/c representatives were either wrong or lying.
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Discover Student Loans has also on several different occasions, promised me that because I had called in to set up a payment plan with them, they would not bother my cosigners. They would " put a note on my account to not contact my cosigners '' this has been false every single time and alarmed three different people for no reason when I have set up a payment plan with an agent. What is the point of alarming the cosigners when you have a recording and a written reference ticket for a payment plan I clearly agreed to and authorized?
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I am someone who pays close attention to my credit score and I do not make a late payments, even if this means I do not eat. So, when I took a XXXX pay cut for a job that would help me move up in the XXXX world, I was advised by agents that if I make one full payment within 60 days that it will not be reported to credit. I unfortunately took this advice. This was false also. Not only did it affect my credit, but it also affected my cosigners. So much so, in fact, that one of my cosginers are unable to buy a house with a growing family. And it turns out, they did some digging and it was because of my loans.
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Unfortunately for me, I can not utilize Discover 's cosigner release option b/c you have to make on time payments for 24 months to do so. Again, their agent did not specify to me that forbearance would cancel out however many months of on time payments I had made and restart the clock. If I had known this, I would never have applied for forbearance. In addition to this, no consolidation service is willing to work with me. I have tried at least 5, including my own bank. Discover also has a consolidation option which I can not use, I am not sure what the point of that service is if your own customers can not use it. I am out of options and I do not make enough to pay out XXXX dollars immediately. So, Discover agents and supervisors giving out incorrect information about what does and does not affect a consumer 's credit need to be held responsible. Moreover, the continued harassment of cosigners when they know I am about to make a payment in a matter of days or even hours, needs to stop.
Complaint sub-issue: Information belongs to someone else

XXXX XXXX XXXX Account XXXX XX/XX/2019 It showing a 30 late payment for XXXX. I was never late
Complaint sub-issue: Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # 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
Complaint sub-issue: Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts 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 XXXX XXXX XXXX, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Complaint sub-issue: Debt resulted from identity theft

I am writing to complain of obnoxious debt collection tactics used by national Recovery Agency, which I request be removed off my credit report. National Recovery states I have opened an account with XXXX, which I have not done any business with. I have been a victim of ID theft and have thus placed an alert on my report. I request that National Recovery Stops harassing me, and reporting negatively to the Credit Bureau about a debt/account I do no owe nor opened.
Complaint sub-issue: Reporting company used your report improperly

I am writing to delete the following information in my file.I have submitted serval complaints about my reports not reporting 100 percent accurate I errors which are FCRA violations. I would have to have to file and take this matter to the next level. The items I need deleted are listed in the report.I ask that the items be deleted to correct my credit report.After praying not to suffer as a victim much longer so I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Affidavit. Please delete the items as soon as possible. FDCPA SECTION 807 VIOLATION for misleading false reporting! Along with the violation of my right to privacy 15 USC 1681 ( a ).
Complaint sub-issue: Account information incorrect

Incorrect information reported to Credit companies by my mortgage company. I have never been responsible for a late payment of my mortgage. The new mortgaging company reported me late although my bank sent them two letters saying it had not been my fault. i understand they reported me late for a  XX/XX/2018 payment, when in fact i made it on XX/XX/2018.