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

Transunion is reporting incorrect information on my credit report. I have tried to remedy this numerous times to the point of no avail. I do not believe that the credit reporting agencies are taking consumer complaints seriously. The account that I am demanding to be removed from my credit report is XXXX XXXX  XXXX. I do not owe this company anything and I do not have an account with them. The original creditor that I have an agreement with is XXXX XXXX XXXX and I will attach the documents. Also, the amount that XXXX funding is reporting is not correct. The correct amount that the original creditor gave me is {$8400.00} so why are the credit bureaus allowing incorrect information to report on my credit report? Also, this account has been re-aged and should not be reporting according to FCRA. The account I had with XXXX XXXX  was in 2016. Please remove this account from my credit report due to inaccurate reporting and non-compliance with FCRA. Please see the attached dispute letters I have sent over 4 months ago.
Product: Credit card

This complaint is specific to XXXX XXXX XXXXXXXX and Equifax but the scenario would apply to any bank and credit reporting agency. When my daughter started XXXX XXXX I added myself as an " Authorized User '' on my daughter 's credit card account ( per the XXXX XXXX XXXXXXXX representative, this was necessary for her to get a card in her name ). Unbeknownst to me, due to hardships, in XXXX XXXX  she missed 3 payments and the bank closed her account. The result of this action caused my credit score at Equifax to plummet from an approx XXXX score to XXXX. Consequently, I was declined on both a HELOC and a business loan. After investigation of the reasonings from the two different banks I had applied to, I discovered my declinations were a direct result of my " Authorized User '' status on her card. I reached out to XXXX XXXX XXXXXXXX regarding this and asked why I had not been contacted when the card went 1 month delinquent so I could intervene and save the account. They shared that as an " Authorized User '' I can be either positively or negatively impacted by the card activity but I would not be contacted to " save '' the account. 

My complaint is two-fold- ( a ) if an " authorized user '' ( not the owner or responsible party of the debt ) can be so significantly negatively impacted by an account in default, efforts should be made to alert them given the downside impacts to their credit as they may be able to intervene to correct the scenario. ( b ) Credit bureaus such as Equifax should grade the impact of closed accounts on well performing " Authorized Users '' differently than owners/responsible parties of the debt. At no point should an " Authorized User 's '' credit suffer so significantly that their otherwise pristine credit would tank. I implore CFPB to investigate and evaluate requiring ( through influence and pressure ) banks to notify, both up front when signing up and when a delinquency occurs, the Authorized Users of the status given the potential impact to their credit. I also request the CFPB to require ( again, through influence and pressure ) the credit reporting agencies to evaluate the impact of these type of delinquencies on Authorized Users ' credit differently given they have no ownership of the debt. At no point should an Authorized User who has no ownership of an outstanding debt be so significantly impacted by a delinquency.
Product: Mortgage

Stopped payment on property tax bill. Now Im assessed a late fee. My own mortgage company stopped payment on a check. Unnecessary headache.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Agency ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Beurea ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where Experian has neither corrected not removed disputed items despite the evidence. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am reaching out again to highlight my serious concern to GM FINANCIAL about certain details in my credit profile which include these unverified and inaccurate information reported in my credit reports. It seems there might be inaccuracies, and it's crucial to maintain compliance with credit reporting laws, which emphasize the necessity of entirely accurate credit information. I have attached as well my FTC report with the report number XXXX to support this complaint.
Product: Debt collection

I attempted to resolve the issue with Ally multiple times with no success I've sent in multiple affidavits that they have yet to respond to I have also extended a grace period in hopes that they would remedy the situation civilly but they did not Im sending in my final notice in hopes that they ( ALLY ) follow the law and do the right thing here in the attachments are the labled exhibits and all of the laws that they have violated as well as the unrebutted affidavits.
Product: Credit card

Chase Bank called me to say on XXXX XXXX XXXX XXXXXXXX '' applied online for a card in my name with him as an authorized user. His address to send card was XXXX XXXX XXXX XXXX in XXXX, Florida phone number XXXX. Phone disconnected and address unknown online. 
I told them I did not apply for this card and do not know anyone in XXXX or by the name of XXXX XXXX. 
Confirmation code to not issue a card was XXXX from Chase. Person had my Social Security number. 
Chase requested I contact you to report the incident for further investigation and to warn others as well as protect my credit.
Product: Debt collection

We are a third party firm contracted by the borrowers towards getting a short sale of their home completed. Midland Credit Management , Inc is a junior lien holder of approximately  {$10000.00} in debt from the borrowers. We have made repeated attempts to get them to accept less than the full amount due in order to get the short sale closed and completed, specifically because if the property goes into foreclosure they will not receive anything. 

We have asked for a partial settlement, thereby releasing the lien on the property and even having them not waive the remainder of the deficiency to complete more debt collection offers and they are not allowing this.
Product: Debt collection

Sent a cease and desist letter to midland credit management on behalf of my mother who is suffering from XXXX..she is currently in a care facility and is unable to afford any bills..this cease and desist letter was sent out in XXXX of 2016..going through her mail today..there is correspondence from Midland Credit Management again asking for payment..
Product: Credit card or prepaid card

TD Bank charges a XXXX dollar late fee before the payment is due, My payment is due on the XXXX of every month, they charged me a late fee on the XXXX because they are not open on the weekend. It should not matter if the are open or not if my due date is the XXXX, then that's when its due. They do this to multiple customers!
Product: Debt collection

XXXX attempts to contact company to rectify and were told not possible even after I explained I could afford to have paycheck garnished
Product: Credit reporting or other personal consumer reports

Experian is in violation of my FCRA right 15 U.S.C. 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigation of Disputed Information Consumer reporting agency ( CRA ) must reinvestigate disputed information within 30 days ( b ) Notification of Consumer CRA must notify consumer of results of reinvestigation ( c ) Deletion of Inaccurate Information CRA must delete inaccurate information from consumer 's file ( d ) Notification to Consumer of Deletion CRA must notify consumer of deletion ( e ) Statement of Dispute Consumer may add statement to report explaining dispute 15 U.S.C. 1681e ( b ) - Furnisher Responsibilities Furnishers must : - Provide accurate information - Correct and update information - Notify CRA of disputes 15 U.S.C. 1681n - Civil Liability for Willful Noncompliance Consumer may sue for damages, including statutory and punitive damages, for willful noncompliance 15 U.S.C. 1681o - Civil Liability for Negligent Noncompliance Consumer may sue for actual damages for negligent noncompliance Remember, these rights aim to protect consumers from inaccurate information on their credit reports. If you suspect inaccuracies, review your report and dispute errors with the CRA and/or furnisher. 

XXXX XXXX XXXX Account XXXX 1. ) Balance Is Inaccurate & Should Be Reporting Balance As {$0.00}.

( attached is account statement showing account was paid to {$0.00} on time! ) 2. ) XXXX Statement For This Account Isnt Available Until XX/XX/XXXX  & Payment Isnt Due Until XX/XX/2024, So How Is Experian Reporting A Payment For XXXX?? 

Please Update My Report Immediately!!
Product: Mortgage

Huntington Bank insists that my loan is several payments behind. It is not. I have submitted copies of payment receipts. They do not respond to correspondence from me or my attorney. Their personnel at the local office claim they can not access the loan information. Huntington keeps adding unjustified " late fees '' and " property inspection fees '' each month to the loan. Now they are refusing my monthly payments, saying that the payment is insufficient to bring the loan current. That is false. Please see attached correspondence. Note that we have not received ANY reply to these.
Product: Checking or savings account

I can not access my account as far as XX/XX/year> it is blocked
Product: Credit reporting, credit repair services, 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 XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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 antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

So on theXX/XX/XXXX I spoke to someone in customer service because I was unable to make my payment due to the fact that I recently had a baby and was on maternity leave and would be returning to work soon. I told the girl XXXX payment would be late since my first check was going to be on the XX/XX/XXXX I first asked her if I could do both months on the same day she told me no. Okay I then asked if it was okay for me to do one payment that friday theXX/XX/XXXXand the payment forXX/XX/XXXXshe said it was fine just to not brake the agreement i then said thank and if it was anyway she can give me her name and send me an confirmation email with the agreement she then refused and said she couldn't do that. I left it alone and said okay. So fast forward to today the XX/XX/XXXX i get a call from the finance that my payment was due on theXX/XX/XXXX u then tried explaining the situation to the gentleman and he sent my call to the lady I had spoke to she then answered my call and was super rude started to scream at me saying I never said that and that she would have never made the agreement and that there was nothing she could do since my car was out for repo, I then told her I wanted to speak to her manager. I  was on hold for a really long time different people kept answering my call and wouldn't even talk to me and just kept forwarding my call until I got to the manager. Which was super ride screaming at me saying I was a liar! Because his employee never said that and he couldn't help me and that if I didn't pay at the end of the day my car would get repo! He wouldn't even give me a chance to speak so I hung up on him and told him I would file a complaint. He then called me back extremely rude threatening me that he would go for my car then.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with Experian, XXXX and XXXX in reference to an account on my credit report that has inaccurate information. All three credit bureaus has stated that the information is accurate. 

The account in reference is : XXXX XXXX XXXX IN account # XXXX ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general - If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation ; and
Product: Debt collection

They continually robo call my line at all hours of the day. Some days they have left up to XXXX messages. 

The message is recorded and they do n't even have my correct last name!! They give you NO information whatsoever, and after reading all the other complaints about this company, I do not dare call back. All other debt collection agencies send you written notice via mail. Why should I be harassed about something I know nothing about and do not know of any uncollected debts that I might have.
Product: Credit card or prepaid card

This is complaint follow up with existing Complaint Number of my Existing Complaint XXXX XXXXhase Executive Office provide me with the following information : - They credit to my account a total of {$100.00} as a courtesy - Because I am a VALUE CUSTOMER they credited to me an additional {$33.00} in fees and interest But still my last bill for the XXXX shows me that I still owe him a late fee and interest in the amount of XXXX dollars They still collect from me rest of late fee and interest for all this month what they didn't WONT to give me my money back Why should I pay for someone else 's incompetence - over the past 8 months, bank employees have not been able to solve an elementary problem with all supporting documents on my part Please refer to all my credit card statement attached -m let them calculate everything
Product: Money transfer, virtual currency, or money service

Wells Fargo refuses to answer my questions. Please see my response to their answer below and they closed the case without responding. CONSUMER DISPUTED COMPANY 'S RESPONSE? Yes CONSUMER DISPUTED DATE AND TIME XX/XX/2017 XXXX ET CONSUMER RESPONSE XXXX XXXX, Senior Correspondent Specialist at Wells Fargo, still does not understand the issue and has provided factually wrong information in the reply. Factually Correct : Yes, I got a call from Wells Fargo ( wire division branch and unfortunately did not note down his name ) saying they were still investigating why Wells Fargo, as the intermediary branch in one transaction, had deducted {$30.00}. Her clearly understood the nature of my inquiry- that Wells Fargo was the intermediary bank and  WF should be able to explain or track down the {$30.00} charge. At NO time did I ever accept and said I understood the explanation- a claim falsely made by XXXX XXXX. Factually Wrong : From the explanation given by XXXX XXXX he/she still puts the blame on the Intermediary Bank. How many times do I have to state and explain that in one of the two transactions the intermediary bank IS  Wells Fargo.  XXXX XXXX, the branch manager and the gentlemen who called me on XX/XX/XXXX understand this clearly. He is looking into to find the answers so this matter is NOT closed and I shall await the explanation of fees charged. The transparency issue still remains. XXXX XXXX is located at the following Wells Fargo Office Customer Correspondence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Money transfer, virtual currency, or money service

I received an email today that my account was closed, its the first time I ttruky ried processings a sales for my business with paysafe and all of a sudden my account is closed. I had sold some of my products to the customer and expecting to be oaid by paysafe so I can restock and all of a sudden my account is closed. I had a. XXXX  transaction I had charged on Monday, I want to know what will become of it.
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPLE BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS PURSUANT TO 18 USC 8. I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHTS TO PRIVACY PURSUANT TO 15 USC 1681-B2 COMPANY HAS NO PERMISSION TO REPORT MY INFORMATION PER 15 USC 16814 . 
I have conducted a reasonable investigation and inquiry into this matter, and I have concluded that XXXX XXXX XXXX may have breached the original contract agreement by failing to provide adequate and valuable consideration and full disclosure of the original terms and conditions of the alleged original agreement. 
According to the FCRA 15 USC 1681 SECTION 602 A, 15 USC 1681 section 604 2, 15 USC 6802 ( b ) ( c ), 15 USC 1681C ( a ) ( 5 ). This company is in direct violation of my consumer rights, privacy rights etc. 15 USC 1681 e.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check for  $XXXX  #XXXX into my grand daughters (XXXX  XXXX) checking account. In order to make the deposit I went into the chase branch on XXXX  XXXX  in XXXX  Louisiana used the side of the counter to write my check and handed it directly to the Chase teller. There we no people around that could have seen my check. The check was accepted and the money was credited to her account..This was a friday afternoon. On XX/XX/XXXX a check cleared my account for the sum of  $XXXX cleared my account which was with XXXX   XXXX. This check which you will note was apparently washed and numbered #XXXX  the last two numbers transposed.Then on that same date a third check for the amount of $XXXX numbered.#XXXX  was also presented to clear my account.but was flagged as fraud by XXXX XXXX  an I was contacted.. This third check was numbered #XXXX   sequential to the first check which cleared.and appears to be a copy of the initial check washed except for my signature. A third fraudulent check in the amount of $ XXXX  .was presented again to XXXX  XXXX  and was identified as fraud. The first two checks that cleared were put into my grand daughters account with Chase. Unknown to me at the time she noticed that there was money in her account that was not hers and attempted to contact Chase. She was unable to get any explanation from Chase and wisely withdrew all of her money leaving  $XXXX  in her account. XXXX  is a college student and did not have any access to my check as she is away at college,. My initial check was only in the hands of first a teller then chase them selves. I am told that the original of the check usually stays a the branch where it was deposited. It is very apparent that check fraud occurred within Chase bank as no one else could have had that first check to wash it. Our only explanation is that the intent was to back the money out of XXXX  account and steal the amounts.. XXXX   and my self were able to get a chase representative on the phone to explain what had happened. The Chase representative during that conversation agreed that this check fraud must have happened within Chase Bank.  Due to this check fraud which appears to have been done within Chase both XXXX and my self have had to close our accounts. In doing so items that were usually automatically drafted from my account have been rejected due to me having to close my account which has been the same for over 20 years. This has required much time to correct. Also both my and XXXX  identity have also been compromised as the only thing missing to completely steal our identities are our social security numbers. This exposure was totally caused by fraud which happened within Chase.
Product: Debt collection

I XXXX XXXX XXXX of age citizen of the United States a victim of identity theft would like to make a complaint that I made an attempt to dispute items off my credit report due to identity theft and the credit agenciesrefused to delete and consider the FAIR CREDIT REPORTING ACT FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) 611FAIR AND ACCURATE CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU CALIFORNIA CONSUMER CREDIT LAWS My desired outcome would be for this credit agency to delete inaccurate accounts that I did not open & stop asking for additional paperwork when iv'e already provided all documentation concerning my claim and proof of my claim. COPY OF ID, SSN, AFFIDAVIT IDENITY THEFY NOTORIZED, FCT REPORT POLICE REPORT AND THEY STLL WOULD NOT DELETE.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within XXXX  days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pentagon Federal Credit Union is reporting to Credit Bureaus fraudulent information about a Credit Card account that i never had. I talk to them numerous times but still reporting to the bureaus that damaging my credit file and preventing to get new credits.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2015, I allegedly opened a credit card with XXXX XXXXXXXX. The only problem is I was giving birth that day to my daughter. Her birthday is XX/XX/2015. I can definitely provide documentation.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these acount line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed {$110000.00}