23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I took out a HELOC loan with TCF bank in XXXX of 2020 for {$100000.00}. The account number is : XXXX. I have subsequently decided to re-finance my primary and HELOC mortgages into a new re-finance with only one payment going to the new mortgage company. When a credit report was run by my broke, two accounts were showing as liens. The aforementioned account in the amount of {$87000.00} and a second account number XXXX XXXX XXXX in the amount of {$34000.00}. The total of these two accounts equals {$120000.00} which is NOT the amount I borrowed. I just called TCF and finally spoke to an associate ( XXXX ) who informed me that only one account was open, the original XXXX. When I inquired as to why there were two account, he abruptly replied, " Because we merged '' ( TCF merged with Chemical Bank after my loan was finalized ). I then inquired how to remove this second account from my credit report and he said to contact the credit bureau. I knew this was absurd as they have no control over what is put on the report. They only report what is there. I informed him that this is not the credit bureau 's responsibility and that TCF is responsible for this. I did not receive an answer from him. 
I immediately called my mortgage broker ( XXXX XXXX  ) and told her the situation. She indicated they would request a payoff to see if both accounts would be removed from my credit report. I am extremely concerned about the {$21000.00} overage due to TCF 's poor account measures and do not want this affecting my credit score which I'm sure it already has. Moreover, I need to re-finance this mortgage if for no other reason, to remove myself as a TCF customer. I have had several problems attempting to contact them and establishing myself on their website since the merger.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax online services do not allow the caller reasonable access to a representative without excessive barriers including having a credit report available in front of the caller to verify loans etc. Most individuals do not have a current copy of their Equifax credit reports at their fingertips. While I fully understand the need for high security especially in light of their previous breach, it is not acceptable to spend 30 minutes on a phone tree trying to speak to customer service in order to fix one 's on line account to unfreeze their account when there is an issue with a ( correct ) password. Certain banks require all 3 credit bureau reports to approve lending applications, others do not. When I told a representative at XXXX XXXX  that it was Equifax that I couldn't get a hold of, she immediately understood stating " yes they can be very difficult ''. If this is the case Equifax 's poor customer service may be the reason lenders are no longer using or relying on Equifax reports. I have not had any issues with XXXX or XXXX to date. 

This is punitive to U.S. consumers, in that it results in severe delay in proceeding with important financial transaction including mortgages, new credit card applications, and other necessary functions.

It is likely this is happening with millions of other U.S. citizens with equal frustration. It should NOT be allowed to occur when it has such a large impact on personal financial dealings.
Product: Debt collection

- XXXX Credit Card from XXXX XXXX- I am living in XXXX New York- I had a XXXX  Credit Card since XXXX ( Acct # : XXXX ) - After late XXXX, i no longer used them, I always paid in time, the balance is {$0.00}. 
- In earlier XXXX, when I login to my online account, my account was closed somehow. 
- I thought the account closed is because i had not used it for a while, so did not pay too much attention. 

- Collection Agent and Calls- In early XXXX, I kept getting Collection Calls from " Portfolio Recovery Associates , LLC '' - Thru them, i was aware of another credit card issued by XXXX Bank under my XXXX  Account from California with {$740.00} balance unpaid. 
- I explained to them I did even know account at all, and XXXX XXXX also never contacted me on this. This is not my debts, I requested for disputing. 
- I asked the collection agent to provide more info for this collection - They provided the credit card statement sent to " XXXX, CA XXXX ''. This is the first time I heard about this address and billing info - In the last XXXX years, i have never travelled or lived in California XXXX Possibly, my identity was leaked or stolen. 
- Collection Agent kept calling me, and mailed me the bills not owned by me- I have been disputing for multiple times, but they ignored it - Other Actions : - I contacted " Federal Trade Commission XXXX '' and filed Fraud Case # XXXX - I contacted XXXX XXXX, they agreed this could be a fraud case, but they had sold the case to Collection Agent, nothing they could do further, and asked me to contact Collection Agent - Portfolio Recovery Associates , LLC. 
- I contacted the Agent again, they ignored.
Product: Mortgage

Wells Fargo obtain my mortgage a few years ago and during this time fraudulently placed my home in foreclosure by stating that I never made a payment to them which was n't true. I was instructed by a lawyer to file for bankruptcy to prevent them from doing this. This process will force them to acknowledge the payments I made and prove their claim. An appraisal was performed on my home that was authorized by Wells Fargo which raised my insurance to an astronomical amount that exceed the worth of the home, I have no legal grounds to fight this new tactic by Wells Fargo,
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX AND XXXX REFUSES TO INVESTIGATE AND REMOVE XXXX XXXX XXXX AND XXXX XXXX and XXXX XXXX FROM MY CREDIT REPORT. THESE COMPANIES REFUSE TO DISCLOSE THE METHODOLGIES OF WHY THEY REPORTING THIS FRAUDULANT ACCOUNT AND WHAT INFORMATION THEY ARE OBTAINING FROM THE COMPANY!! THEY JUST KEEP SAYING IT WAS VERIFIED!! IT IS NOT VERIFIED!! DISCLOSE YOUR REULTS AND HOW YOU CAME TO THEM ALL TO ME -ALL THREE BUREAUS OR BE SUED AND REPORTED TO THE DEPARTMENT OF JUSTICE AND THREE STATES ATTORNEY GENERALSD!! THIS COMPANY IS GIVING CFPB XXXX THAT I AM NOT A REAL PERSON AND REFUSIING TO ACCEPT VALID STATE ID SENT TO THEM VIA THIS COMPLAINT TO PROVE MY IDENTITY TO INVESTIGATE AND REMOVE XXXX AND XXXX AND XXXX XXXX XXXX ALL THREE CREIT BUREAUS REPORTS!!. I DO NOT ACCEPT THIS COMPANIES RESPONSE.THEY DID NOT INVESTIGATE XXXX XXXX, XXXX XXXX XXXX XXXX OR XXXX XXXX AT ALL AND DID NOT SEND ME AN UPDATED COPY OF MY CREDIT REPORT. IN ADDITION IM A VICTIM OF FRAUD. THIS COMPANY IS LYING AND NOT PRODUCING DOCUMENTS UNDER FCRA SECTION 609 WITH MY SIGNATURE TO PROVE ALL THESE FRAUDULANT DEBTS, WHICH THEY ARE NOT VALID. XXXX EQUIFAX AND XXXX CAN NOT PROVE THIS DEBT IS VALID AND IS VIOLATING STATE AND FEDERAL LAWS BY NOT INVESTIGATING MY COMPLAINTS. XXXX XXXX AND XXXX ARE REMOVED FROM MY CREDIT REPORT. THEY ARE NOT VALID OR LEGAL DEBTS -THEY ARE FRAUD AND WILL BE REMOVED FROM MY CREDIT REPORT.I WILL SUE THIS COMPANY-XXXX-I HAVE REPORTED YOU TO XXXX STATE ATTORNEY GENERALS FOR FRAUD AND ILLEGAL ACTIVITY, NOT FOLLOWING FCRA. IN ADDITION THESE COMPANY IS REFUSING TO ALLOW ME TO ACCESS MY CREDIT REPORT ON XXXX FOR FREE THROUGH XXXX WHICH IS ILLEGAL. XXXX REFUSES TO ALLOW ME ANY ONLINE ACCESS TO MY CREDIT REPORT ON XXXX AND THIS IS ILLEGAL UNDER FCRA. REMOVE THESE ITEMS NOW OR BE SUED FOR MILLIONS OF DOLLARS AND PROSECUTED BY THREE STATE ATTORNEY GENERTALS OFFICES!! REMOVE XXXX XXXX XXXX AND XXXX XXXX AND XXXX XXXX FROM MY CREDIT REPORTS, OR I WILL KEEP FILING COMPLAINTS AND LAWSUITS UNTIL YOU DO!! THESE ARE FRAUD AND XXXX XXXX AND EQUIFAX DID NOT AND CAN NOT PROVE THIS ARE LEGITIMATE DEBTS. THEY ARE ALL VIOLATING FEDERAL AND STATE LAW AND HEADED TOWARDS MILLION OF DOLLARS IN LAWSUITS BY ME. IVE REPORTED XXXX EQUIFAX AND XXXX TO THE DC AND CALIFORNIA ATTORNEY GENERALS WHERE YOU ARE HEADQUARTERED. THESE COMPANIES HATE OUR NATIONS VETERANS AND WOUNDED WARRIORS AND DISCRIMINATE AGAINST XXXX PEOPLE, DISABLED PEOPLE, AND DISABLED VETERANS!!! DO NOT SEND THE ATTACHED DOCUMENTS TO XXXX AND XXXX AND XXXX XXXX THEY ARE FOR XXXX/EQUIFAX/XXXX IN PROVING MY IDENTITY.
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX in regards to the contested records on my credit report. On different occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be totally explored. In spite of my endeavors, I presently can't seem to get any goal or restorative activity. These incorrect records are seriously harming my credit document and upsetting my capacity to carry on with an ordinary life. The adverse consequences of these mistakes have caused tremendous difficulties for me, and I'm left with no decision except for to argue for your help with amending what is happening quickly. I benevolently demand that you direct an exhaustive examination concerning the revealing of every one of these contested records. It is basic that the essential advances are taken to refresh and correct my credit report immediately. With your assistance, I desire to reestablish the precision and uprightness of my credit record so I might recover command over my monetary prosperity. I genuinely encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue speedily would be extremely valuable. Much obliged to you ahead of time for your comprehension and help.
Product: Credit card

I opened a credit card with Barclays for XXXX XXXX Mastercard credit card. I opened the card on XX/XX/2025 with an advertised promotion of getting an instant gold status at XXXX XXXX with the first purchase. I made the first purchase on XX/XX/2025 and until today I have not received my gold status at the XXXX XXXX. I reached out to Barclays ( over chat and phone ) and the agent told me that even though the promotion says that the instant gold is after first purchase, in reality the gold status will be after the first billing cycle. This is deceptive practice from Barclays credit card and XXXX XXXX. I am attaching the chat history for your reference.
Product: Money transfers

On XXXX I transferred money over the internet using my credit via Western Union ( WU ). 
The recipient 's destination country was the XXXX of XXXX and XXXX XXXX XXXX XXXX. Total transfer was XXXX {$300.00} and the related transfer fee was XXXX {$8.00}. 
Today, XXXX ( less than 2 months later ), I attempted to repeat the transaction. The associated fee is now XXXX {$27.00} ( almost a 400 % increase. ) I reached out to customer service ( CS ). While on hold the hold-music reiterated the {$8.00} fee for XXXX, XXXX XXXX and the XXXX. Various agents in CS referred me to Corporate Headquarters ( XXXX XXXX ) who is checking XXXX. 
Unfortunately, WU may be providing false advertising and manipulating prices unfairly. Can you check into this and advise? 
Thanks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX m : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has consistently and repeatedly reported incorrect information to the credit bureaus, currently reporting late payments on accounts that are in collections, and have no payment agreement in place. Therefore, misrepresenting my relationship with them, and causing harm to my financial situation. The credit bureaus have allowed them to continue to be negligent and harmful and get away with it. 

Collections accounts are not allowed to have a history of late payments! I do not have a payment agreement in place with these companies. Please delete these grossly incorrect and damaging reports from my credit reports. A collection is by default, derogatory, this goes without say. Please delete these immediately!
Product: Mortgage

On today XX/XX/2024 I received a letter dated XXXX in removal of representation in which is nothing but a lying scam from Wells Fargo. First they scammed me out of {$3000.00} with this 3 month XXXX Mortgage in which they stated afterwards I will be paying the regular loan modification rate. However this isnt the case despite me fulfilling all of their allegations. If they cant follow through with their obligations XXXX like a refund of the full {$3000.00} and for them to stop putting my residence in Foreclosure and to instruct their attorneys to stop their illegal activities of putting my house on the Sheriff Sale List. Despite their XXXX Department informing me that their Lawfirm was wrong for doing this.
Product: Credit reporting or other personal consumer reports

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

15 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 Account name XXXX XXXX  Account XXXX XXXX XXXX Account name XXXX XXXX Account XXXX XXXX XXXX Account name XXXX XXXX Account XXXX XXXX XXXX Account name : XXXX Account XXXX XXXX XXXXXXXX Account name : XXXX Account # : XXXX Account name : XXXX XXXX Account XXXX XXXX  XXXX Account name : XXXX XXXX Account XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Account name XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX
Product: Student loan

I have been paying my Navient ( formerly XXXX ) Student Loans on time now for over 12 months. I called them to confirm that I had XXXX on time monthly payments before applying for a co-signer release. They advised they needed my degrees ( copies ), proof of income which I provided. After about 40 days they sent me a denial saying I did not have XXXX on time payments I do. I have all the evidence. Apparently this company rarely if ever releases the co-signer. Their form and statements saying they consider releasing the co-signer after 12 month on time payments is a farce. My co-signer is a US Veteran trying to buy a home. Due to the student loan he was not able to get the loan amount due to his debt/income ratio. This loan negatively affected his finances. Furthermore, they continue to raise the interest making it harder to pay off the loan. I can not consolidate it and I can not refinance this loan it is like a noose around my neck and that of my co-signers. I think this agency should be investigated and possibly even sued for ruining people 's lives. I have all the evidence I am not lying.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5300.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. the list of accounts below has violated my federally. protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account Number XXXX XXXX Reported Balance {$500.00} XXXX Account Number XXXX XXXX Reported Balance {$0.00} *XXXX XXXX XXXX. Account Number XXXX XXXX Reported Balance {$350.00} XXXXXXXX XXXX XXXX Account Number XXXX XXXX Reported Balance {$710.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 account without my written. instructions.

15 U.S.C. 1681 C. a 56 ; No consumer reporting agency may take any consumer report containing any of the following. items of information. Any other adverse item of information other than. records of convictions of crimes which. in to date the report by more than seven years.

15 U.S.C.1681s-2A1 A person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows what has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against the following credit reporting companies. Trans Union, XXXX, and XXXX. There are several accounts and credit inquiries reporting on all three credit reports that do not belong to me. This issue has been addressed on several occasions. I am requesting that these accounts be removed immediately or I will take further action against the credit reporting companies. The accounts and credit inquiries listed below are to be removed upon retrieval of this complaint. 

TransUnion Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Account Account Status : Open Monthly Payment : Date Opened : XXXX/XXXX/XXXX Balance : {$2700.00} XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Department Account Status : Closed Monthly Payment : Date Opened : XXXX/XXXX/XXXX Balance : {$1300.00} Terms : 1 Month High Balance : {$1300.00} Limit : Past Due : {$1300.00} Payment Status : Seriously past due date XXXX  XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Department Account Status : Closed Monthly Payment : Date Opened : XXXX/XXXX/XXXX Balance : {$290.00} Terms : 1 Month High Balance : Limit : Past Due : {$290.00} Payment Status : Seriously past due date Comments : Account in dispute-reported by subscriber XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : Date Opened : XXXX/XXXX/XXXX Balance : {$5600.00} Terms : 42 Months High Balance : Limit : Past Due : {$5600.00} Payment Status : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Note Loan Account Status : Closed Monthly Payment : Date Opened : XXXX/XXXX/XXXX Balance : {$180.00} Terms : 6 Months High Balance : Limit : Past Due : {$250.00} Payment Status : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : Date Opened : XXXX/XXXX/XXXX Balance : {$5900.00} Terms : 29 Months High Balance : {$10000.00} Limit : Past Due : {$5900.00} Payment Status : Charge-off Comments : Account in dispute-reported by subscriber These accounts were not opened by me and are fraudulent. These accounts need to be removed immediately. 

Fraudulent Credit Inquiries : XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX Auto Reseller XXXX/XXXX/XXXX XXXX XXXX Miscellaneous and public record XXXX/XXXX/XXXX XXXX XXXX Banks and XXXX & XXXX XXXX/XXXX/XXXX XXXX XXXX, personal XXXX/XXXX/XXXX XXXX XXXX XXXX, personal XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Auto Financing Companies XXXX/XXXX/XXXX XXXX XXXX, personal XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, personal XXXX/XXXX/XXXX XXXX XXXX XXXX, personal XXXX/XXXX/XXXX XXXX XXXX Banks and XXXX & XXXX XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$26000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have complained about Equifax before, with absolutely no results. I've tried to freeze my credit with them in every way possible, with no results, and have complained about them to this agency, also with absolutely no results. I froze my credit with both XXXX and XXXX online with no problems at all - everything worked exactly the way it should. With Equifax, when I created an online account and was unable to sign in to it because it told me the data I had JUST created was incorrect. I should note than I'm an experienced IT professional, and an very adept at working on the Web. Several times, it gave me phone numbers I should call, and each and every one gave me a recording to the effect that they were extremely busy and I should try something else, and none of them EVER answered after long periods of time. So I was unable to resolve this XXXX  problem by phone. I also tried other numbers I found to try to freeze my credit by phone, with the same [ non ] results. So I went through the extremely difficult process of trying to freeze my credit with them by mail, laboriously filling in all the information they demanded and making and including copies of all the documentation they demanded. I should note that doing this by mail is extremely dangerous in light of all the mail thefts that are occurring now, but it was the only method left. After a couple of weeks, I received a letter from Equifax to the effect that I hadn't sent the required information, which I definitely had, at great risk to myself. At this point, it seems that Equifax doesn't operate as a legitimate company, even though they have the privileges of one, and that they report to the CFPB that they have resolved the problem, when they definitely haven't. It's a disgrace that Equifax is permitted to deal in such a sloppy, and frankly dishonest, manner with sensitive consumer information - and not much less of a disgrace that the agency that's supposed to help resolve such bad behavior that endangers consumers seems unable or unwilling to do anything about it, I am thoroughly disgusted, and if I don't hear from the CFPB about this matter and what they're attempting to do about it ( because I'm certainly not the only consumer who is being treated like a mark by this horrible company ), I will begin to contact my legislators about both Equifax and the inability of the CFPB to properly regulate them. If the CFPB doesn't have the authority to do what it needs to do to help consumers, I need to hear that from the CFPB so that I can solicit my representatives to that effect.