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

Dear Consumer Financial Protection Bureau and Credit Reporting Agency, I am writing to formally file a complaint against TRANSUNION concerning ongoing inaccuracies in my credit report, which I believe violate several provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
On XX/XX/XXXX, I initiated a dispute regarding incorrect information related to ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ). Despite providing supporting documentation that substantiated my claim, TRANSUNION responded on XX/XX/XXXX indicating that they would not remove the disputed entry. This decision raises concerns about the agencys adherence to its responsibilities under Section 607 ( b ) of the FCRA, which mandates that consumer reporting agencies must ensure maximum possible accuracy of the information they provide. 
In considering this situation, I would like to highlight the legal principle of estoppel. Estoppel prevents a party from asserting a claim or fact that is contrary to a position they have previously taken, particularly if this inconsistency would harm another party who has relied on the original position. In my case, I believe that the actions of TRANSUNION may constitute a form of estoppel, as the agency 's initial acknowledgment of my dispute and the accuracy of my evidence should logically inform their subsequent actions regarding the accuracy of my credit report. 
Moreover, I am concerned about my privacy rights under the Privacy Act of XXXX, 5 U.S.C. 552a. The presence of inaccurate information in my credit report not only misrepresents my financial status but also jeopardizes my ability to secure loans or other financial services. I believe that my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, may also be infringed, as misleading information could lead to negative repercussions in debt collection processes. 
My concerns remain unaddressed despite my attempts to resolve this issue directly with Transunion through Certified Mail.
Product: Student loan

I am writing to file a complaint against my student loan servicer regarding illegal practices related to my credit profile. 

Illegal Credit Reporting : My student loan servicer has been illegally posting inaccurate information to my credit profile. Despite my attempts to correct these errors, the servicer continues to report false information, which has negatively impacted my credit score.

Falsified Payments : The servicer has also been falsifying payments on my account. Payments that I did not authorize or make have been recorded, creating a misleading payment history. This false information is detrimental to my financial standing and creditworthiness.

Unauthorized Updates : In addition, the servicer has made unauthorized updates to my credit profile without my consent. These changes include altering the status of my loans and modifying payment records, which further complicates my financial situation.

Request for Resolution : I request the CFPB to investigate these illegal practices and take appropriate action against the student loan servicer. I also seek assistance in correcting my credit profile, ensuring that all false information is removed, and preventing any further unauthorized updates.
Product: Debt collection

Midland funding is attempting to collect a debt that's satisfied. Made several attempts to resolve issue and company failed to comply according to FCRA Guidelines.
Product: Mortgage

i dont have a account yet will set one up but i have a home that a quite title is filed on and my father passed leaving me the home and clear of any payments due he has passed away and the lending insurance claims that they are a bank and that they lent him money that he owed a debt of equity when its on irs and tax acessor file that he only owes tax on the home so i will be setting a tort claim to all cloud or claimers to home for tresspassing on private land i ask for themas  a bank who dose not lend money but credit so where is the monehy coming from if he did not produce it but the promise to pay has paid everyone twice
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter requesting that all accounts be looked and corrected because the account is not mine and i never received a response back.
Product: Money transfer, virtual currency, or money service

I had a problem with Zelle and how I wasnt able to cancel sent money to the wrong individual. Ive been a Zelle holder for quite some time.
Product: Mortgage

Still waiting to received a " CERTIFIED '' copy of true original Heloc Agreement. Copy needs to be the full size and not a reduced image size and mailed to my address as well as a copy sent to the CFPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get XXXX and I will file a law suit pending the outcome of this complaint. Thanks again
Product: Checking or savings account

on XX/XX/XXXX someone called me from a Wells Fargo number. and said my account had been compromised. they sent they XXXX XXXX XXXX and XXXX XXXX XXXX which is all connected to my debit card.. also they purchase XXXX XXXX XXXX XXXX and I'm in Georgia.. I put a claim in a they gave credit as they investigate... I do not know why WELLS Fargo didn't flag that large of amount but they allowed it to go through..then later on found out the flag a XXXX that was trying to come out of my account..now as of today XX/XX/XXXX they reverse the credit and now my account is XXXX ... the large amount of XXXX which was in my savings and they moved into my checking and allowed this to go through XXXX.I contact XXXX and they said I had to get money back thru bank because they did not flag and I have never sent any amount that large ... also I been with them for 30 plus years and have no history of fraud activity..when this happen I immedilty close my XXXX XXXX and shut down my XXXX XXXX..I don't understand why isnt my account protected from fraud activity ... I feel like they did not do a through investigation...
Product: Debt collection

It is absolutely ridiculous that I am being harassed by this company. I was called on XX/XX/XXXX and would not even be given any information about why I was getting this call. The only thing they would tell me was that I was put down as a number for my mother. When I took down the contact information of who had called and told my mother, she informed me that it was a collection call, that I had, in fact, been put down as a character reference and not someone to contact, and that they were not allowed to be contacting for such a matter. My mother then filed a complaint due to the contact that this company had with me. I just got another call again today ( XX/XX/XXXX - less than three weeks later!! ) from this company, and when I told the woman that I was not to be called, I was treated quite curtly and frankly, rudely. I do not understand why this company thinks that they can harass family members MULTIPLE times, particularly when the law prohibits this. Saying " this is not a collection harassment call '' does not make it something other than exactly that. This company needs to be held responsible for its actions and treat its customers and family members with more respect than it currently does. I am thoroughly angry with the encounters I have had with this collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( " XXXX '' ) serviced our mortgage until XX/XX/2013. Our  mortgage was sold to XXXX that month, after XXXX puller their business out of most of Maine. Prior to the transfer XXXX agreed to modify our loan to allow us to bring our payments up to date. We recently attempted to obtain a home equity loan with XXXX however XXXX continues to show our late payments on our credit reports. We have written to the three major credit reporting agencies and requested that they delete the negative item, but they will not do so without XXXX 's action. We have asked XXXX to remove the negative item from our credit reports, but the company refused to do so. Given the fact that XXXX has not serviced our loan in nearly five years, we feel that continuing to report a negative item to the credit reporting agencies only serves as an open ended punishment.
Product: Payday loan

I was called by someone that said ace cash express gave them my info and that I owed them money for a loan. He asked me to make a payment over the phone I refused because I did n't know if it was a scam. He then became very disrespectful and vulgar calling me various names.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke with an Equifax representative asking why they dropped my credit score XXXX points because a balance on my credit card with XXXX  XXXX bank went from {$580.00} to {$610.00}. I have never seen this in my life XXXX points for {$27.00} increase. I gave the Equifax representative my full name, SSN, DOB, Address, phone number and email address. And Equifax representative refused to give me my credit score or the reasoning for the drop of the XXXX points. In addition, to any other questions that I had regarding my credit report. I spoke to XXXX XXXX XXXX and they told me Equifax is at fault for this XXXX point in my credit score not them. NO OTHER FACTOR WAS THE REASONING FOR THE DROP OFF THE CREDIT SCORE. NO COLLECTIONS ETC...
Product: Credit card or prepaid card

I received a vanilla gift card for {$200.00} it never left the package when I opened it and tried to use it there was no more money. I found someone immediately used it online at XXXX 's XXXX for two charges. I contacted the company they told me to file a dispute which I did now they are ignoring me. I also found out this is a big issue with this company where the money is disappearing. It is if their system is the cause. I think this company needs to be thoroughly investigated.
Product: Debt collection

The company filed a report against my credit without contacting me. When I contacted the company to see why they had filed a report against my credit without contacting me they stated I had given false information about myself. As I had never given any information on the debt as it was not mine ( it was a mistake from XXXX ). When I asked them to give me the information that led them to file the report against my credit they refused. They stated I had provided fraudulent material to XXXX and it was my responsibility to give a phone number and address I never gave any of that information to anyone as it was not my debt. They stated that I must contact XXXX. Only through them could I contest the charge. The company never contacted me and filed a resolution against my credit score and never provided any information to me on why they did this. They refused to help me at all when I explained their numerous mistakes in contact information ( that I had never provided as the initial company made the mistake ). XXXX worked to resolve this quickly. The debt collection agency said it was all my responsibility for THEIR mistake. They have kept the mark on my credit report even though I never had an opportunity to respond as they had wrong information and never contacted me to allow me to dispute their claim.
Product: Mortgage

XXXX XXXX and XXXX XXXX is allowing anyone with a mortgage that they are backing to extend their forbearance and additional 3-6 months on top of the 12 months already granted. I have and the property meet all the requirement but Mr. Copper computer will not allow the extra forbearance. I have talked to Mr. Cooper 1-2 times every week starting on XX/XX/XXXX. The case has gone up the chain of command a few times and they tell me there is nothing they can do. Mr. Cooper says that it must be XXXX XXXX that is not allowing the forbearance. I started the process with XXXX XXXX on XX/XX/XXXX and they say they don't see any problems and to give them 10 days. XXXX XXXX also has a calls into Mr. Cooper and were told they need 10 days to review the account. So after 1 month I am still being told to wait while being reviewed but this will be the 3-4th time I am told under review and just wait. The forbearance expires XX/XX/XXXX but told to just wait even while the end of forbearance expires tomorrow.
Product: Debt collection

On XXXX XXXX, I received a notification that my credit score dropped. After checking, I learned that an account I never set up for XXXX was the reason. The account had not been paid, {$590.00} was owed, and sent to collections. I called the company to let them know I never had a account with XXXX, and an identity theft report was set up. I also informed XXXX, and got a alert set up to avoid this happening again. I was told of the person who set the account up by the collections agency, and the addresses connected, which I had never lived.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir/Madam, I am writing to dispute several items that appear on my credit report. After reviewing my credit report, I have identified several inaccuracies and unauthorized inquiries that need to be addressed as soon as possible. 

Firstly, I noticed that my personal information is incorrect. Specifically, my previous addresses were reported incorrectly. The addresses listed on my credit report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but I have never lived at either of these addresses. 

Additionally, I have no recollection of authorizing credit inquiries by several companies, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many others. These unauthorized inquiries are damaging my credit score and I demand that they be removed immediately. 

Furthermore, I have noticed that some accounts on my credit report have incorrect information, such as late payments and incorrect balances. Specifically, account number XXXX with XXXX XXXX XXXX XXXX is reporting incorrect late payments, which have not been updated. I demand that these incorrect late payments be removed from this account immediately. 

Accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX need to be verified and corrected or deleted from my credit report. 

Lastly, I do not recognize the accounts with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have never had any business relationship with these companies, and therefore, these accounts are not mine. Account number XXXX with XXXX XXXX XXXX XXXX and account number XXXX with XXXX XXXX XXXX XXXX should be removed from my credit report immediately. 

I understand the importance of maintaining a good credit score and I hope that you will take the necessary actions to correct these inaccuracies and remove any unauthorized inquiries from my credit report. I appreciate your prompt attention to this matter and look forward to hearing from you soon. 

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

Someone is using my identity. There are many accounts on my profile which do not belong to me.
Product: Debt collection

I moved from my residence back in XX/XX/2020, I had no knowledge of the debt because it was not on my credit report. I checked my records because I tried to purchase A home and there was information on Wisconsin 's circuit court access that I was not aware of. I was already paying XXXX XXXX XXXX monthly and did not get notified of another debt. I would have taken care of it as I did the other one but now this is on my records and I would like it removed. I talked to the attorney Dobberstein Law firms at XXXX because they refused to talk to me about this. This is unfair they did not attempt to contact me any other way although my email never changed and my new phone number is listed on the internet.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TRANSUNION AND XXXX  HAS ACCOUNTS AND INFORMATION ON MY CREDIT REPORT. THATS INACCURATE/NOT MINE
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed these accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 
XXXX XXXX Balance : {$570.00} ; XX/XX/XXXX XXXX XXXX Balance : {$900.00} ;XX/XX/XXXX XXXX Balance : {$0.00} ; GXX/XX/XXXX XXXX Balance : {$100.00} ; XX/XX/XXXX XXXX Balance : {$84.00} ; XXXX XXXX Balance : {$2300.00} ; XX/XX/XXXX( Original Creditor : XXXX XX/XX/XXXX ) XXXX Balance : {$2300.00} ; XX/XX/XXXX ( Original Creditor : XXXX XXXX XX/XX/XXXX) XXXX Balance : {$1300.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Debt collection

I spoke to a representative about a couple of weeks who said that they had sent information regarding their claim to the wrong address. I explained that they had the incorrect address and also that I never had a personal loan with HSBC. I tried to give the correct information so that they would send the information to me so that I could dispute it. The representative would not allow me to. They said that they would just notate that I refused to pay. I told them that they were not adhering to Fair Debt Collection Practices Act and they said that they did not have to because they are not debt collectors. They called again today with a recorded messaged saying that I was avoiding my responsibilities. I have never had a loan with HSBC. I need for them to verify the information that they are using so that I can file a proper dispute.
Product: Debt collection

I am a co-borrower on a student loan through Sallie Mae. I find their collection tactics deplorable. My son is a month behind in payments and their " automated '' system calls more than 3 times a day ( just received the 5th call today, every hour since XXXX ). The problem is there is no way to stop the automated calls, even if you return the call. 
1. Call is a recording with a specific person asking you to return their call. There is no person on the line, and no option to get to a live operator. 
2. You call them and ask for the person who was in the message, as requested, but you do n't get that person and there seems to be confusion on their end. Since I 'm a co-signer, I have to guess what it 's about. 
3. You can tell them it will be caught up by specific date, or whatever, but the multiple calls will continue until the next payment is made. 

I can understand a call a day until you contact them, but really, every hour, for the co-signer?
Product: Checking or savings account

I open an account in TD Bank and deposit a check for {$38000.00}, has I waited for the check to clear but 6 business day. And once the time was up the bank decided to close the account and tell me the check was fraudulent. I reach out to the company whom gave us the check XXXX a annuity company to complaint that they had given us a fraudulent check and that's when XXXX gave us prove the check was cashed. After that the bank request copy of a surrender letter and statement of the annuity ; which was also provided to them. And now they came back to us telling us telling us there was a claim on the check. So we decided to call back XXXX and tell them the situation, and XXXX just didn't know what to tell us as they are open to discuss with the bank which the check os not fraudulent. This is going on close to 2 month and the bank will not provide us any information, nor return the funds. I don't really know why is TD Bank holding my funds.
Product: Credit card or prepaid card

Let, me start by asking you to review closed COMPLAINT ID XXXX SUBMITTED ON XX/XX/2019 HSBC is bank debt scam with no intention of activating the credit card they approved me for without I, 1st agreeing to pay an activation fee when speaking to their fraud division who makes it a habit of leaving customers on hold for an average of 5 hours before answering the call. This bank is phishing for business financial information with number 3. Number 1, is proof of address. 
Further more I will not again call or attempt do business with HSBC after being cursed out and remarks about my race being made. I applied for four different credit cards and was approved for all and can safely write HSBC is 100 % fake in every aspect of credit card activation, except fees & customer service does not exist. Please, tell HSBC to stop calling me as I have placed a security block with the credit reporting agencies to protect me from this type of bad banking practices. 

( HSBC ) 1. Proof of Identification - acceptable forms of proof of identification are : a valid current Drivers License or passport. 

2. Completed SSA89 Form ( attached ) The signature and date field must be handwritten for the document to be valid. Please include both pages when submitting back to us. 

3. Proof of Address acceptable documents are : a. Utility bill from the last billing cycle b. Tuition bill c. SSA benefits letter d. An INS Notice of Action e. Letter from an Embassy or Consulate f. Mortgage statement g. Property tax bill h. College/University acceptance letter i. XXXX  ( XXXX benefit acceptance letter ) j. Homeowners/Renters insurance bill/policy k. Account statement from a bank or brokerage, dated within the past three months l. Monthly statement of an established credit card from a major provider ( Visa/MasterCard/XXXX ) dated within the past three months.

m. Lease Agreement n. Paystub.