23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint on Equifax Credit Bureau I am in the middle of refinancing my home mortgage and always I have trouble unfreezing my credit file with Equifax. 
They don't have enough people to help the customers, very difficult to get hold of real person to talk to and get help, very arrogant customer care people, unfriendly to customers, their phone systems are very bad at recognizing the human voice and also differentiating human voice and background noise. 


Problem : Tried logging in to their online account https : //my.equifax.com/membercenter/ XXXX XXXX  to lift my security freeze temporarily, but their system not letting me login. Contacted them over the phone and talked to the agent. Sent all the docs requested to resolve the issue. On XX/XX/2020 received the email that the issue has been fixed. When I tried to login today XX/XX/2020 still same issue. 
Tried again calling the customer service and prompted to answer few questions to verify my identity but their phone system is so bad that it's taking little background noises as my answers and rejected to continue my call. After lot of trouble I could hold of real person to talk to and explained my issue. Again they requested to send the docs and refused to unfreeze my credit file temporarily inspite of telling them that I could answer any question to verify my identity but they refused to do so because the phone system did already and I failed it seems. I really don't understand phone system ( which is already bad ) or real humans doing verification is reliable. They are relying on the phone system which is faulty, bad and not reliable. They don't even have email system to send my documents to verify my identity and instead asked me to send the documents physically which is actually more insecure way to send them. ( could lost in the transit, could land in wrong people etc ). 

Bottom line is Equifax is the company to keep customers in trouble, cause pain and frustration. They don't have any inclination to help the issue and resolve them honestly. 
I really don't understand how could this company is approved to operate having so many customers lives in their hands. They can't even resolve any technical online login issues of customers immediately and put them under so much pain and frustration.
Product: Debt collection

On XXXX, XXXX XXXX I entered into a settlement agreement with American Express as a result of civil suit filed against for outstanding debt for account ending in XXXX. As a result of the settlement, American Express and I agreed for me to pay {$18000.00} over the course of 12 months in installments of $ XXXX. The terms of this agreement were met on with my last payment on XX/XX/XXXX. I received paperwork between XX/XX/XXXX and XX/XX/XXXX from the law office ( XXXX XXXX XXXX ), the state court of XXXX XXXX and American Express staying that my account was settled and paid in full ( documents attached ). American Express is still reporting to the credit bureaus that I have an outstanding balance of {$11000.00} and is not willing to honor the previously agreed upon settlement after many attempts. I would like my credit reports to reflect this account is settled and paid in full and no further calls from American Express saying I owe a false amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, National Recovery says I owe them {$140.00} for a collection that I didn't pay. It was paid 3 years ago..We already discussed the problem many times and that My insurance XXXX XXXX paid for it. It was a XXXX XXXX  on a XXXX We've been back and forth with this many times and I thought it was finally over with until I saw my credit report.. XXXX XXXX has now added XXXX to the bill. ( I sent for a copy ) YOU DON '' T DO XXXX XXXX FOR A XXXX XXXX ON A XXXX! 
If I owed only {$140.00} and was legit I would have paid it. I'm not paying for something I never received and was not performed for a XXXX XXXX on a XXXX
Product: Credit card or prepaid card

I have tried numerous of time to have late payments remove from account that are hurting my credit score. I was never late and have tried several times writing good will letters but no help.
Product: Credit card or prepaid card

Back in XXXX of XXXX I had made a consumer purchase with my OPORTUN credit card. I had purchased clothes on XX/XX/2021 at XXXX in XXXX XXXXXXXX XXXX, and due to covid I was not able to try these items on. After I returned home I noticed that all of the items ( jeans, leggings, and sweaters ) were damaged down seemliness and not sellable merchandise. I returned to the store with the items for a refund, and the sales clerk stated that they were unable to provide me with my purchase amount of {$66.00}. I called the company and explained what happened, and he said that everything would be taken care of. All I received were letters asking me to provide the same information to them that I did over the phone. That information was emailed 3 times, mailed 4 times and I have left messages with the Dispute Team and never received a call back. I then received two letters in the mail saying my dispute was closed, so I sent them another letter with all the information, only to receive the same " further information letter '' that requested the information I have continuously provided them. I am continuing to be ignored and would like to pay my balance and close the card, but am not willing to pay that transaction amount. 

Attached is my most recent compliance with the company, along with the confirmation of the fax.
Product: Credit reporting

On XXXX XXXX, 2016, XXXX sent XXXX, XXXX, and Equifax via XXXX request to delete their trade line from my credit report. The AUD Response number is XXXX. Both XXXX And XXXX have deleted XXXX XXXX from the respective credit reports. However, Equifax has not. XXXX XXXX official has repeatedly stated that it was sent to all XXXX at the same time. It is my belief that an error has been made in the Equifax. The customer service individuals refuse to take the AUD Response number and perform a search. I have XXXX other complaints with CFPB.XXXX and XXXX. Equifax customer service will not look up the AUD # and I can not speak to the Business Department and XXXX XXXX will not call the business department. Thus, even though XXXX XXXX has properly notified Equifax , the deletion will not take place. There is a serious problem with Equifax. They are refusing to take this off. They have received the notification for deletion and is refusing to research for it. The customer service person XXXX is refusing to transfer my call to the Business Office and she will not email the Business Department. Thus this deletion is not taking place.
Product: Debt collection

Subject : Complaint Regarding Fraudulent Accounts on Equifax Credit Report Dear Sir/Madam , I am writing to file a formal complaint regarding fraudulent accounts that have been incorrectly reported on my Equifax credit report. I recently obtained a copy of my credit report and discovered two accounts that do not belong to me. I have no knowledge of these accounts, and they are negatively impacting my creditworthiness. 

Account Details : Account Number : XXXX Account Status : TOO_NEW_TO_RATE Owner : INDIVIDUAL Account Type : REVOLVING Creditor Classification : Loan Type : CHARGE_ACCOUNT Original Creditor Name : [ Unknown ] Months Reviewed : XXXX Activity Designator : PAID Terms Frequency : MONTHLY Term Duration : Purchased From : [ Unknown  ] Sold To : [ Unknown ] Balance : {$0.00} Credit Limit : {$600.00} High Credit : {$0.00} Available Credit : {$600.00} Date Opened : XXXX XXXX, XXXX Date Reported : XXXX XXXX, XXXX Date of Last Activity : [ Unknown ] Account Details : Account Number : XXXX Account Status : CHARGE_OFF Owner : INDIVIDUAL Account Type : REVOLVING Creditor Classification : Loan Type : CHARGE_ACCOUNT Original Creditor Name : [ Unknown ] Months Reviewed : XXXX Activity Designator : TRANSFER_OR_SOLD_OR_PAID Terms Frequency : MONTHLY Term Duration : Purchased From : [ Unknown ] Sold To : [ Unknown ] Balance : {$0.00} Credit Limit : {$200.00} High Credit : {$710.00} Available Credit : {$200.00} Date Opened : XXXX XXXX, XXXX Date Reported : XX/XX/XXXX Date of Last Activity : [ Unknown ] Date of First Delinquency : XX/XX/XXXX Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX 
Date Assigned : XX/XX/XXXX Original Amount Owed : {$360.00} Amount : {$360.00} Status Date : XX/XX/XXXX Status : UNPAID Balance Date : XX/XX/XXXX Account Designator Code : INDIVIDUAL_ACCOUNT Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor Classification : CABLE_OR_CELLULAR  Last Payment Date : [ Unknown ] Date of First Delinquency : XX/XX/XXXX I would like to emphasize that I have never had any dealings with the mentioned creditors or accounts. These accounts are not mine, and I suspect they have been opened fraudulently in my name. I have been a responsible consumer and have diligently maintained my credit history, so the presence of these accounts is alarming and deeply concerning. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and take the necessary steps to rectify the fraudulent reporting on my Equifax credit report. I understand that the Fair Credit Reporting Act grants me certain rights as a consumer, including the right to dispute inaccurate information on my credit report and have it corrected promptly. 

In light of this situation, I kindly request the following actions : Initiate an investigation into the fraudulent accounts mentioned above, seeking to uncover the parties responsible for their creation. 
Promptly contact Equifax to remove these accounts from my credit report, as they are erroneous and damaging my creditworthiness. 
Provide me with regular updates regarding the progress of the investigation and any actions taken to resolve this
Product: Credit reporting, credit repair services, or other personal consumer reports

This Complaint is against Equifax XXXX XXXX  XXXX XXXX, GA XXXX On XX/XX/2018 I have sent a dispute letter to Equifax certified via mail tracking # XXXX and the letter was received by Equifax on XX/XX/2018. I waited 40 days for a completed investigation and response from Equifax and still did not receive anything in the mail from them. So on XX/XX/2018 I sent a 30-day non-response letter certified via mail tracking number # XXXX and was received by Equifax on XX/XX/2018 stating to Equifax to remove all negative accounts that I have disputed with them on XX/XX/2018 because Equifax failed to show proof of debt and failed to respond to my dispute with in 30 days by law. Equifax then sent me letter on XX/XX/2018 stating the identification I sent them does not match their records on file and they needed a utility bill and I.D and social security card and the letter they sent me so I sent them copies they needed on XX/XX/2018 certified via mail tracking # XXXX of the old disputes letters that has a notarized letter saying that its me and my address is correct on the dispute letter. It is now XX/XX/2018 and I have still not received a response from Equifax with an update on my credit dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax confirmed that student loans are XXXX balance, paid in full. Sent the attached Confirmation # XXXX ( see credit report Equifax sent ) It clearly states that the creditor is currently reporting a XXXX balance for accounts XXXX, XXXX, & XXXX. However on the Equifax credit report is still listing balances for these US Dept of Education student loans ending in XXXX, XXXX, & XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was called by my bank indicating my credit score dropped drastically. 
Barclays Bank charged me an annual fee and did NOT notify me or call but indicated I have not paid it and am passed due. 
One customer service person said I owed {$89.00} since last XXXX. 
The supervisor said it was due XX/XX/XXXX. 
I was never notified instead they reported me late. 
They would not reverse the charge unless I closed the account. 
They need to remove any late dings to my report at once.
Product: Checking or savings account

I called the XXXX number and followed the prompts to report potential fraud which instead sent me to the General Account Services ( GAS ) department ( later I found out this is in no way the fraud department ) ; this happened every time I called. They put me on hold multiple times to call someone internally in the fraud department who was in charge of investigating my suspicious charges and each time that person didnt answer. The GAS rep didnt give me this fraud investigators contact info bc apparently its against company policy and told me they were likely at lunch ( this was XXXX ) and to call back before XXXX. I did this and received the same response. I called BB & Ts XXXX number 3 times, each time a GAS rep then called the fraud investigator 3-5 times with no response. My local BB & T branch only allows appointment-only walk-ins however when I called them ( standing outside in the rain ) they told me their hands were tied, theres nothing they can do to unfreeze my account or replace the money that was stolen. 

My account has been frozen now for about a week and NOBODY from BB & T has reached out to me yet. Multiple bills have bounced totaling {$350.00} thus far and I have yet to find a way to rectify this BB & T issue. Im right out of medical school with > {$300000.00} in loans living paycheck to paycheck. How am I supposed to pay my loans, utility bills, and credit card? I work >100 hours per week with COVID patients, when am I supposed to find time to reach out to BB & T? I feel as though Ive already gone above and beyond the responsibilities of a consumer ... how long will they sit on this issue? Will it ever get fixed? Am I supposed to pay the {$350.00} in overdraft fees from my lenders?

This has been by far the worst customer service experience Ive ever had. After this is over with I will be closing my BB & T acct that Ive had for >30 years and moving on to another bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX MANAGEMENT # 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 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 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Bank account or service

I have an extended fraud alert on my credit file as I 've been the repeated victim of identity theft since XXXX 2016. Despite this fraud alert an individual at Citizen 's One Bank was trying to secure an auto loan for a 2016 XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX # XXXX ). As is standard when authorizing a hard pull the individual at Citizen 's One Bank accepted an inbound, not outbound, call and spoke to the criminal using my identity. This violates the fraud alert and compromises my identity and safety even further. The individual 's name was XXXX at Citizen 's One Bank and his direct phone number was XXXX ext XXXX XXXX XXXX # XXXX XXXX. This employee of Citizen 's One Bank acted negligently and Citizen 's One Bank needs to immediately work with XXXX and have this inquiry on my credit removed. I 've filed an additional police report with local law enforcement.
Product: Mortgage

to whom it may concern, im writting to you regarding a concern about my loan with Shellpoint Mortgage XXXX # XXXX. As of XX/XX/2021 Shellpoint Mortgage XXXX # XXXX requested to produce a copy of y home insurance policy to verify the policy was active and valid. The same month a copy of the policy was provided to Shellpoint Mortgage XXXX # XXXX validating the current policy. 
Now after several months i found out that Shellpoint Mortgage XXXX # XXXX placed an extra insurance on my account claiming i needed a higher coverage like marble flooring, appliances, electronics, wood flooring, etc. required by the servicer of my loan ( Shellpoint Mortgage XXXX # XXXX ) i called my insurance policy to verify if the information provided by Shellpoint Mortgage XXXX # XXXX was accurate and valid. My insurance agent told me that Shellpoint Mortgage XXXX # XXXX was misleading me to pay for an extra insurance policy that is not required. 
Now Shellpoint Mortgage XXXX # XXXX charged my account without my permission and increased my mortgage payment substantially causing a financial hardship. 
i contacted Shellpoint Mortgage XXXX # XXXX and their insurance company and they keep refusing to cancel the extra policy that Shellpoint Mortgage XXXX # XXXX placed on my account, i requested a manager and supervisors who refuse to return my call for further escalation. 
i am now very concerned because my mortgage company put me in a situation where they increased my monthly payment and putting me in a hardship. 
please help since im running out of time and will be missing my next mortgage payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 : XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX : {$1000.00}, XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$3400.00}, XXXX ( Original Creditor : XXXX THE XXXX AT XXXX XXXX XXXX XXXX XXXX : {$4100.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$340.00}, XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX
Product: Mortgage

I am the seller of a home. The buyers did not qualify because of debt ratio on the day we were suppose to close. This process took 45 days. The loan officer missed ordering the appraisal and the buyers went over the required response after the home inspection of 5 days to counter. 

The buyers were pre-approved for XXXX. The sale of the house was XXXX. The loan officer updated an pre-approval letter to satisfy the contract. Now, the loan officer is saying that buyers lost their only income stream. The denial letter states Insufficient income, but in an email, she said they LOST their only source of income. Which would be Unable to verify employment ( if they lost their job ) OR, they were never qualified to begin with. Which means she didn't do her job correctly.

There has to be something that protects sellers for buyers remorse and people easily backing out of a contract and receiving their earnest money back, by simply calling and saying I lost my job, or can you get me out of this deal to the loan officer. My house is in a popular area and was taken off the market for 45 days and had multiple offers turned down do to the contract.

This defeats the whole purpose of earnest money!

Also, I had a contract on house with contingency to closing on my house. Which, I may lose!
Product: Credit reporting, credit repair services, or other personal consumer reports

After the XXXX breach I am trying to place a freeze on my credit as my information has been compromised. I am unable to place a freeze as the site keeps crashing for all credit reporting agencies and I also can not obtain a current credit report due to the same issue. If my identity is stolen in the time that I am continually unable to reach the very company that allowed it to happen then I will be the one punished not the company and it I am not interested in having my finances disrupted with my XXXX XXXX  on the way.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I have sent multiple certified letters to XXXX concerning a student loan ( Sallie Mae ) on my credit report. I did not attend school I joined the military. Therefore having a student loan in my name is impossible. I have sent the other two major credit bureaus XXXX XXXX XXXX XXXX ) the same certified letters, starting on XX/XX/2021. They have removed the inaccurate, obsolete, unauthorized account from my credit report due to account not being verified. With that being said, if those two major bureaus have removed the accounts, XXXX company should also giving they should get verification from the same company. According to US LAW, any inaccurate, obsolete, or unfair has to be removed for consumers credit report! I have sent more certified letters explaining this to XXXX and have NOT received a response.
Product: Debt collection

This company has filed a collections against me which has now affected my credit. I have NO collections & my credit score is nearly perfect. I haven't had anything go to collections in over 20 years. I have an account with XXXX, which I had to open after a security breach within the government. This collection was just filed & already hit my credit report. I have seen many other complaints about this company, so I know they are not legit. 
I have filed a dispute with the XXXX. Response is below : Complaint : XXXX I am rejecting this response because : I have never lived in New York. The bills that have been submitted in my name are to an address in NY. Obviously, since you can see ALL of my information, you would know that I have NEVER lived in another state. I will NOT pay this debt as it is not mine & never was. I don't know who has my information but I refuse to pay a XXXX XXXX  debt that was opened fraudulently. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I deposited a check from my grandfather in the amount of {$1000.00}. He sent this money to help me as I am a single mother who has been laid off due to Corona. The check was put on hold, with out {$200.00} rule being observed. The check has posted to my grandfather 's account as of XX/XX/XXXX. The funds are on hold until XX/XX/XXXX despite having already cleared. These funds are desperately needed, and even though the check has been cleared, the bank is still hold guaranteed funds. I have received no help, in even getting the first {$200.00} made available as per reg. Cc.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher vXXXX Equifax Information Services LLC ( XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.