23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This complaint is against Equifax. 

Since 2017, following their data breach, I have instituted a credit freeze with Equifax. Supposedly, it is possible to manage this freeze online. In actual fact, having created such an account in 2017, I have never once been able to successfully use it. 

Attempting to sign in, create a new account, reset a password, or perform any other operation directs and has always directed me to the same generic error screen which reads as follows : Please give us a call We can't complete your request at this time.

Please call the Customer Care team [ phone number ] Despite the impression given by this error that a temporary problem has occurred, I have for years been forced to wait on hold for extended periods of time to accomplish anything at all with Equifax. I can accomplishand have always been able to accomplishthe same things in a matter of a few minutes on the websites of every one of Equifax 's credit reporting competitors.

Perhaps this is a real error that has somehow persisted for seven yearsan eternity in terms of information systems. Perhaps it is a deliberate attempt to make credit freezes unduly burdensome so that consumers don't use them. In either case, attempts to resolve this problem with Equifax have been repeatedly ignored. To my recollection they have never even acknowledged that the persistence of this same error over the course of the better part of a decade is unusual.
Product: Mortgage

We received notice of foreclosure and quickly realized that SPS was overcharging for various items. Below is an itemized list of items I was overcharged and the correct amount. 
1. Final payoff over charged - SEE EXHIBIT C shows pay off amount According to the SPS XX/XX/XXXX to XX/XX/XXXX payoff statement, the balance was {$260000.00}. Then the XX/XX/XXXX to XX/XX/XXXX payoff jumped to {$290000.00}. They threatended to foreclose on XX/XX/XXXX if they didnt get full payment of the {$290000.00}. No one could tell me why they had charged an additional $ XXXX in just one month. Obviously seems like they were playing games hoping we wouldnt be able to pay off if they could foreclose. Amount owed to me is {$35000.00} for this specific overage charge. 
2. Payment breakdown overcharge - SEE EXHIBIT A According to the payment breakdown statement that they provided in XX/XX/XXXX, as of XX/XX/XXXX the balance owed was {$68000.00}. But when they calculated the final payoff ( see attached document ) they wrote {$85000.00} and then charged an additional {$20000.00} for interest for a total of {$100000.00}. The interest rate is 5.87 %. The correct calculation is {$68000.00} + {$16000.00} ( interest ) = XXXX They owe me {$100000.00} - XXXX = {$20000.00} XXXX. Home insurance I carried full insurance throughout and even sent proof of insurance to the law firm that was representing the bank in XXXX. We have all documents to show if anyone cares to see it. We paid over $ XXXX in insurance between XXXX and XXXX. Some proof of insurance will be attached, others can be provided, I dont want to send too many documents 4. Property taxes According to the XXXX XXXX XXXX district ( XXXX ), the mortgage company paid a total of {$42000.00} based on the itemized payments below. The bank didnt make any insurance payment in XXXX, below is a breakdown from the XXXX website XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In their payment statement they claim I owe them taxes and insurance of {$130000.00}. 
What I actually owe for taxes and insurance is {$42000.00} + {$0.00} ( since we paid for insurance. Therefore, for taxes and insurance they owe me $ XXXX $ XXXX {$92000.00} Total owed to me is {$35000.00} + $ XXXX {$92000.00} = {$140000.00} SPS overcharged by {$140000.00}. This is probably a usual occurrence and warrants a class action lawsuit. This is a very unscrupulous practice and this company needs to be investigated. I am going to call every class action lawsuit in the US to take this up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX. I have always made all of my payments on time. One day I decided to check my fico scores with all 3 major credit bureaus, and I realized that there was a late payment on my XXXX, XXXX  and Equifax credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting the 3 credit bureaus and XXXX with no successful resolution. XXXX, XXXX, and Equifax only reporting me 30 days twice in XX/XX/2017 and XX/XX/XXXX, this was definitely an error on their part. I was never late 30 twice.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX '' Please help its been frustrating time with the covid-19.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act accounts listed below have violated my rights These accounts have shown as " VERIFIED '' by the credit reporting agency. I have provided proof of my credit report ( current ) that shows in fact that the inconsistencies are still on there. 

XXXX XXXXSC 1681 sections 602A states I have the right to privacy 15 USC 168 section 604A Section 2 it also states a consumer reporting agency can not furnish accounts without my written instructions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

Notice of INTENT TO SUE! XXXX, XXXX XXXX Equifax have an Tradeline that was Furnished on my Consumer File that has Fraudulent and Inaccurate Status Reporting Private Data shared Without Consent. XXXX { XXXX } Distributed Private information without disclosing the Three Disclosure to Opt out of My Non Public information being shared to an nonaffiliate third party XXXX XXXX XXXX  and Equifax ) Have this information I demand this Tradeline Be Removed Immediately. They have an Experience reporting that the tradeline was Late XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is Inaccurate and unverifiable Due to tradeline Charge-off status
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed a multitude of inquiries by ( XXXX, TRANSUNION, & XXXX ) which I DID NOT initiate and am requesting removal. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I received an automated call from XXXX. It said to select 1 for the last day of the promotion. I selected 1 and spoke to a man. I asked him what credit card he was referring to. He listed a ton ... Visa/MasterCard for XXXX, Capital One, he named a few others. I asked what specific account he was calling about and he told me Capital One. I told him that I was on the DO NOT CALL list and the only reason I should be called is if fraudulent chargers are found. He told me I was not listening to him and the said he was going to cancel my account. " Excuse me? '' I asked. He said ... " You heard what I said '' and then hung up. I called Capital One. They said they do not call with promotions, only fraudulent charges. I did not think a Capital One employee would act so professionally. I should have played along a little longer to see if he was going to ask me for my credit card info. I think this is likely a scam and should be reported.
Product: Student loan

I have a federal student loan that was taken over by Navient. I have had to call them during my divorce, an injury, my son 's XXXX illness which led to a XXXX, to come up with a reasons monthly payment. They have not been helpful with repayment options and kept recommending forbearance. They keep placing it n forbearance and I have called numerous times over the years to repay at a reasonable rate. My loan that started at {$60000.00} is now over {$100000.00} and they wo n't agree to a monthly payment lower than {$980.00}. When my son was critically ill with his XXXX they kept recommending forbearance. I have called many times to tell them I am able to make payments of $ XXXX/month and they will not agree to it or negotiate another reasonable payment. It has ruined my credit. I usually work 7 days a week to pay my son 's medical bills and I explained that my first house is to cover his costs and I wanted to pay back my loan. They kept saying forbearance was the best option for me.
Product: Mortgage

I pay monthly mortgage payments including escrow to NewRez. Last year, in XX/XX/XXXX, 'Shellpoint Mortgages Servicing ' purchased my mortgage under the name of 'NewRez LLC ' . For 6 years the previous mortgage company 'XXXX ' ( XXXX XXXX XXXX XXXX XXXX ) had always paid my County Real Estate Taxes and Homeowners Insurance on time through my escrow account with them. 
NewRez LLC did not pay my Homeowners Insurance when it was due XX/XX/XXXX of this year. When I received a card in the mail from my insurance company that my policy 'would not renew '. I contacted my insurance agent and with some research she said my policy premium had not been paid. I explained that it was supposed to be paid by my mortgage company through my escrow account. That same day my insurance agent contacted NewRez and gave them all the information they needed to get this paid including the amount. She later sent me an email saying the lady at NewRez said they would overnight the payment to the insurance company. 
Since it was XX/XX/XXXX and my policy premium is due today my agent said my coverage could lapse if it's not paid by the end of the day. I can either take a chance for a couple of days or I could go ahead and pay it and then get refunded from my insurance company once they received the escrow payment. I didn't know why it had not been paid but did not want my coverage to lapse so I had to pay the insurance company with a personal credit card to keep from being without coverage until they received payment from NewRez. 
I contacted my insurance agent around XX/XX/XXXX about my refund from the insurance company for the payment I made with my credit card. When she contacted the insurance company to inquire about my refund, she was told that NewRez had only made a partial payment and not the full amount of the premium. The premium amount was {$870.00} and NewRez only sent {$700.00}. I then called NewRez myself and explained the situation. After being on hold for a while, a lady told me the remaining {$170.00} is being issued for payment on XX/XX/XXXX. 
On XXXX XXXX I contacted my insurance agent once again to see if the insurance company had received the remaining payment from NewRez so I could get my money back from my credit card payment. After checking she said they received it yesterday on XXXX XXXX. 
Finally, on XX/XX/XXXX NewRez, the company that purchased my mortgage XX/XX/XXXX, had paid my homeowners insurance premium from my escrow account three months late because it should have been paid in XX/XX/XXXX for a due date in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself. Regardless of the multiple written requests, the account listed below is still reporting on my credit report in violation of Federal Law. TransUnion failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. DELETE the account below : ( XXXX XXXX  XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint regarding identity theft that I experienced. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must remove or block any information that was opened without my knowledge, consent, or authorization within 4 business days after receiving the following : ( 1 ) appropriate identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) a statement from the consumer confirming that the information is unrelated to any transactions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute prepared by an attorney to this company and court documents that showed the account owner legal case had been dismissed and therefore LEGALLY SHPULD NO LONGER BE REPORTED. As it was explained to me if a company can not legally collect a debt it should not be reported on their credit report THUS THIS ITEM SHOULD BE REMOVED. 

Not only did Experian not look into the legal aspect of the matter they also reaged my account which is illegal and not in accordance with the Fair Credit Reporting Act. Time barred accounts are supposed to have the correct date of charge off. Experian UPDATED the account as if it had just been charged off this month when in reality it was charged of YEARS AGO. 

ACCOUNT NAME : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX ( XXXX, XXXX, or Equifax ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. These following items are not mine and I would like verification of all items in 15 days or deleted them from my credit report, section 609. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX XXXX from XX/XX/XXXX + Automotive XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX Inquiry from XX/XX/XXXX + XX/XX/XXXXClosed Closed on XX/XX/XXXX XX/XX/XXXXClosed Closed on XX/XX/XXXX XX/XX/XXXX DUAL CARDClosed Closed on XX/XX/XXXX XX/XX/XXXXClosed Closed on XX/XX/XXXX XX/XX/XXXXClosed Closed on XX/XX/XXXX XXXX XX/XX/XXXX PLCCClosed Closed on XX/XX/XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On or about XX/XX/XXXX, a fraudulent transaction from a Schools XXXX XXXX  is initiated ( the account is my son in laws ). The quantity is XXXX. This money is sent through ( to ) the number XXXX ( my number ). Apparently, this number was ported over from XXXX XXXXXXXX, to XXXX XXXX XXXX on XX/XX/XXXX. I was not aware of this transaction and had no part of it or any subsequent transactions that may occur. We contacted zell on that same day and they were unable to provide any assistance, we contacted wells fargo and they were also unable to provide any assistance because they did not have the number registered. We also spoke to chase and we confirmed that the number was under their zell until the aforementioned date. Finally, we spoke to schools first and they informed me that we could rip the number back from wherever it was located and that would leave a history. That information confirmed it was being housed in wells fargo. That token history exists but the representative at schools first refused to provide me this information because it was internal. As the owner of this phone # and, being unaware to any zell registration to XXXX XXXX XXXX, it is my responsibility to get the information. The thing is, this information is vital to document and reach out to XXXX XXXXXXXX and demostrare to them the account activities did exist. It confuses be because XXXX XXXX owns XXXX through the early warning systems LLC. If you ask me it feels to the consumer that the ball is tossed from one court to the other and no one can give an answer. But the consumer looses the money. The banks seem to restrict information that is vital to following the money and the transactions. XXXX needs to stop washing their hands with ignorance and put a tighter lock on their transactions and be held responsible for the money they handle. They are essentially a transient bank and should have better consumer protection mechanisms like locking down transactions and a universal transaction number so that when a concerned consumer calls, they can immediately take action. Instead this partnering with other banks makes it so that they can only respond to the APP transactions but not the bank transactions. This methodology invites fraud and scams and makes it imposible for the consumer to be protected.
Product: Debt collection

Good Day, I am submitting this complaint to Midland Credit Management regarding a collection debt for XXXX  for {$3900.00} which is an estimate I received from my credit report. As previously I have disputed this debt with XXXX  as not mine and I am once again disputing this debt as Identity theft and I want these XXXX accounts that are listed on my credit report to be removed and closed as these accounts were opened without my consent. I have attached to this complaint a notarized FTC affidavit and police report. 

Thank you
Product: Debt collection

This debt was made by a family member that used my social security number. when I first learned of the debt I contacted the collection agency and they told me the debt was in the family members name but my ssn # and work information was used and now they are saying the debt is in my name and that information was not told to me, I asked if they would provide a copy of the actual document and they said they could not ... I've never lived at the address where the debt occurred I lived at the address prior to where I live now for 7 yrs never late with rent always paid on time or days before. Thank you for your time and help with this matter
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported XXXX XXXX XXXX XXXX XXXXXXXX XXXX  / XX/XX/2022
Product: Checking or savings account

On XX/XX/year> I received a fraud alert email from Truist. 
XXXX XXXX XXXX XXXX XXXX Client Name : XXXX Account number ending in : XXXX Upon contacting Truist Fraud, they advised me of three different charges from a vendor named XXXX XXXX I called Truist on the same day at XXXX. I explained that I did not make or authorize any charges with this vendor. The email is shown below. 

Hello XXXX, The security of your account is important to us, so we continuously monitor for possible fraudulent activity. We noticed suspicious activity on your card. We need you to verify that you or someone authorized to use your account attempted the following transaction on your card ending in XXXX. 

Date : XX/XX/year> Transaction amount : {$350.00} Merchant Name : XXXX XXXX  Merchant Address : XXXX XXXX XXXX temporarily blocked : No Case ID : XXXX They said they would investigate and get back to me. I heard nothing. There were three charges of varying amounts. When I checked my online account again on Friday, XX/XX/year>, I now see a new charge on my account in the amount of {$560.00} that was posted on my account on Tuesday, XX/XX/XXXX. I was never asked about this charge during my initial conversation with the fraud department nor contacted about this charge from the same vendor. I filed a dispute which has been subsequently denied twice. The only explanation I have been given is that the charge was made with my debit card which I admitted was in my mobile wallet, but that my phone has not been out of my possession. When I inquired why they did not flag this transaction, they said this was the first transaction made with this vendor and since it was made from my mobile wallet and it was in my possession I must have made the charge. When I inquired why this charge never showed in my account until XX/XX/XXXX, they said they had no way of confirming it. Now, for me if the fraud department flagged the " subsequent '' charges as possible fraud, would it not question the validity of the " initial '' charge. 

I have complained several times to the Fraud department. I was told the fraud analyst and when an unknown person called and left the message to return their call, I was told I could not speak to the analyst. I asked for the checking account to be closed. I now have a pending situation regarding to the overdraft protection line of credit attached to my checking account in the {$440.00} that I refuse to pay. Why would you pay a charge when I did not have sufficient funds to cover the charge without question.