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

No respond to my request below. 


Under 1681 U S C i ( 7 ) Method of verification-DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Also under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 

Please send the following information used to validate the items below and show where I gave written permission to be on my credit report in the first place, otherwise delete from my credit report immediately or I will seek monetary damages. 


INACCURATE REPORTING In my case Furnishers are reporting differently to all three credit bureaus for the same account/tradeline, regarding the following categories. Date Opened, Balance, No. of Months ( term ), High Credit, Credit Limit, Past Due, Payment Status, Last Reported, Comments, Date of Last Active, Date of Last Payment and Two-Year History? 
The Credit Bureaus then reports these errors, inaccuracies, and incompleteness on my credit report ( see proof credit report enclosed ). According to Fair Credit Reporting Act, 15 U.S.C. 1681 my credit report must be Accurate and Fair.

PLEASE REMOVE ALL AUTHORIZE INQUIRIES NOT ASSOCIATED WITH ANY OPEN ACCOUNTS. 


INACCURATE REPORTING XXXX. XXXX XXXX, Account # XXXX*-This account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX XXXX, Account # XXXXThis account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX XXXX, Account # XXXXThis account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX XXXX, Account # XXXXThis account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX Account # XXXXThis account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX. XXXX, ACCOUNT # XXXX This account is being reported inaccurately, please remove it from my credit report immediately. 
XXXX, ACCOUNT # XXXXThis account is being reported inaccurately, please remove it from my credit report immediately. 
XXXXXXXX XXXX ACCOUNT XXXX XXXX-This account is being reported inaccurately, please remove it from my credit report immediately.
Product: Debt collection

I have an outstanding judgement for a credit card debt from XXXX XXXX. I have been trying to resolve this since I was notified by mail that I was being sued for a judgement. The debt collector is Couch Lambert. I have repeatedly called and e-mailed. No one ever answers the phone ( I stayed on for 6 hours one time ) or responds to e-mail. I would like to discharge this debt, but am concerned about the inability to communicate with anyone and do not want to pay on-line without assurances of resolution. It feels like the company doesn't actually exist.. This started in mid XXXX  I have been trying to contact Couch Lambert at least monthly since then. I have not received any communication back to repeated e-mails and voice mails. Please advise on the best way to resolve this issue. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the company and asked them to provide me with documents showing my signature, how the loan was established and proof that the loan belonged to me. They advised me the loan was sold and could not provide any information. I disputed with trans union and XXXX so that I could get the info and they advised me proof was provided but they could not provide it to me. I want this matter looked into because this company should not be reporting on my credit report
Product: Credit reporting or other personal consumer reports

EdFinancial Services has violated my rights under THE PRIVACY ACT OF XXXX. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. 
The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. In accordance with the provisions of the Gramm-Leach-Bliley Act ( GLBA ), specifically sections 15 U.S.C. 6801-6809, including 6805, Enforcement, Edfinancial Services has violated this act and my consumer rights by sharing Non-Public Private Information ( NPPI ) with XXXX, XXXX, and XXXX. Consumer reporting agencies are non-affiliated third parties with which Edfinancial Services has shared my NPPI. XXXX, XXXX, and XXXX have also violated my rights by reporting student loans ( NPPI ) within my consumer reports without first having written consent from me, the consumer, to obtain and furnish information within my consumer reports. This is a direct violation of the Gramm-Leach-Bliley Act. Edfinancial Services also violated my rights I was not provided with any opt-out disclosures. As a consumer, The Privacy Act of XXXX states I, the consumer have the right to Privacy and the right to opt-out of having my NPPI shared with non-affiliated third parties. In the federal student aid privacy policy, it states that Edfinancial as a server for Federal Student Aid student loans is under the Gramm-Leech-Bailey Privacy Information Act. Also XXXX XXXX XXXX. XXXX, XXXX is the master servicer for Edfinancial Services, and in XXXX XXXX XXXX act it states that XXXX  and affiliates are under the Dodd-Frank Act and CFPB. Here is the indenture trustees information. XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Minnesota XXXX XXXX XXXX ) XXXX I expect this Account to be discharged & to reflect as paid as agreed on my credit report to each agency immediately. I will file a report to the FTC If not resolved. 

XXXX EDFINANCIAL Date : XX/XX/XXXX Account number : XXXX Balance : XXXX EDFINANCIAL Date : XX/XX/XXXX Account Number : XXXX Balance : XXXX XXXX EDFINANCIAL SERVICES L Date : XX/XX/XXXX Account # : XXXX Balance XXXX EDFINANCIAL SERVICES L Date : XX/XX/XXXX Account # : XXXX Balance : XXXX XXXX XXXX FINANCIAL/XXXX  Date : XX/XX/XXXX Account # : XXXX Balance : XXXX ED FINANCIAL/XXXX Date : XX/XX/XXXX Account # XXXX Balance : XXXX
Product: Money transfer, virtual currency, or money service

I have a line of credit with TD bank. I pay the balance via online pay at  onlinebanking.tdbank.com usually 2 wee ks early.   I paid the entire balance that displayed on the website of {$4000.00} on  XXXX / XXXX / XXXX . On  XXXX / XXXX / XXXX , I noted that there was a {$20.00} charge on the line of credit. I presumed that this was an interest charge. I paid the {$20.00} and there was an immediate {$5.00}. I called  TD Ba nk and spoke to  XXXX , then her supervisor  XXXX   XXXX  (  XXXX  ) at  TD B ank explained that there is no way to see the entire balance. As a consequence, my balance accrued interest in the amount of {$20.00}.   Once I paid this balance, there was anther accrued interest of {$5.00}.   The only way that customers must call to find out the true balance is call.   This, I believe, is deceptive practice, as I have accrued interest on a balance I did not know existed. This is a hidden fee that is unfair. I do not think I owe them any interest and have asked that they refund the {$25.00}.    TD B ank should be required to show the entire balance owed to ensure that are not deceptively charging customers for hidden balances.
Product: Mortgage

I opened up my mortgage and closed with JPMorgan Chase on XX/XX/XXXX and close date was set for XX/XX/XXXX. The entire process was frustrating, with a lack of communication from my mortgage representatives in terms of moving through the mortgage application steps. 

My complaint is centered around the 'Chase Closing Guarantee ' that has yet to be fulfilled despite now more than 2 months have passed. This is the official definition of this guarantee - 'The Chase Closing Guarantee offers assurance to customers purchasing a home with a Chase mortgage that the loan will close on or before the Contract Closing Date, or the customer will receive monetary compensation in the form of a check, post-closing. ' Chase was absolutely at fault here due to their failure in communication on the day of my closing date, XX/XX/XXXX. My mortgage representative only reached out to me at the end of the day, when it was too late to address any issues. Then they tried to blame my agent because the final documents were missing a {$500.00} brokers fee, but my agent had properly communicated ( I have email proof ) the addition of the fee and it was ignored. This caused my mortgage not closing on the date, and having to spend extra time and resources to reschedule any moving contracts. 

Despite all of this, I still have not received a response from Chase in regards to paying out on this promised guarantee which is frustrating as a loyal Chase customer. I've now reached a point where I have to write in this complaint because they have ignored my requests or are hoping I'll drop this. False advertising and I feel completely misled by such a major institution.
Product: Credit reporting or other personal consumer reports

XXXX and TransUnion refuse to remove a paid in full account on a secured credit i had with XXXX  witch whom i still bank with as a derogatory and negative remark on my credit report and it is hurting my chance of getting a home loan can u plase investigate and have them negative account removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX  XXXX, I am writing to request that my loan payments be reported to the credit bureau. 
I understand that the regular reporting of loan payments to the XXXX and XXXX is a key factor in helping to build and maintain a good credit score. As such, I have been faithfully making my loan payments on time each month and would like to receive the credit benefits that come with having these payments reported. 

I have included my loan account information below for your convenience. 
XXXX Thank you for your time and I look forward to hearing from you. 

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

I called on the phone with all 3 Credit Bureaus also XXXX  I told XXXX  I had Identity Theft and comes to find out its them or somebody because on the Statement section its saying Fraudulent Applications May be Submitted in my Name or my Identity Im real confused I want all 3 Credit Bureaus to fix this problem Fast I want a Clean Credit Report so I can Move Forward with Life this has caused my Life a Big Mess going replacing everything the bank still not giving me all my funds just a complete mess
Product: Credit card or prepaid card

I applied for the Chase Freedom Account online and I was approved. I received the card in the mail with instructions on how to verify the card. When I logged on to verify and activate the card, I was unable to do so. Instead I was told to call. I called several time each time connected overseas and no one knew why I could not activate my new card and told me to call back. I kept calling back. I still have no idea what is happening or why I can not activate the new card. One of the reps said something about the account being closed, but could not say why.

I am elderly and can't understand what these people are saying on the phone. They talk way to fast for me and they are not taking the time to listen or explain to me what is happening that I can't activate my card.
Product: Debt collection

I am writing to bring to your attention a matter of concern regarding a persistent issue I have been experiencing with Experian, XXXX of the major credit reporting agencies. Despite multiple attempts to rectify the situation, Experian has failed to properly investigate and address an erroneous account that has been reported to my credit file by XXXX XXXX XXXX XXXX  XXXX The inaccurate information on my credit report is adversely affecting my creditworthiness and has the potential to impact my financial standing. After multiple attempts to rectify the issue Experian continues to purposely stall. I believe this situation requires urgent attention, and I am seeking your assistance to ensure a fair and accurate representation of my credit history. I have contacted Experian on numerous occasions to dispute the inaccurate account, providing supporting documentation and a detailed explanation of the error. However, Experian has yet to conduct a thorough investigation and continues to report the erroneous information on my credit report. I have attached copies of the relevant documents, including my correspondence with Experian and any supporting evidence that substantiates my claim. I have also kept a record of all communication with Experian, including dates, reference numbers, and the names of representatives with whom I have spoken. I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to prompt Experian to conduct a proper and timely investigation into the disputed account. I believe that the inaccurate reporting is a violation of the Fair Credit Reporting Act, and I am hopeful that your involvement will facilitate a swift resolution. I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting for all consumers. I am confident that, with your assistance, we can resolve this issue and rectify the inaccuracies on my credit report. Thank you for your time and consideration. I look forward to a prompt resolution to this matter. Sincerely,
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ) states that consumer reporting agencies must exercise their significant responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. Equifax, XXXX, and XXXX are consumer reporting agencies, and I am the consumer. I have the right to ensure that my private information is not shared, which is supported by 15 USC 6801, which states that financial institutions have an affirmative and ongoing obligation to respect the privacy of their customers and protect the confidentiality of their nonpublic personal information.

As a financial institution, the ( Furnisher of information to credit agencies ) has a responsibility to report information accurately. Additionally, 16 CFR 433.2 prohibits the reporting of transaction history, and 16 CFR 433.3 states that if the contract was written after XX/XX/XXXX, it must apply. 

Furthermore, 15 USC 6802 ( b ) ( c ) states that a financial institution can not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how to exercise the nondisclosure option, which I was never informed about.

Additionally, 15 USC 1681C ( a ) ( 5 ) states that a consumer reporting agency can not include any adverse item of information, other than records of convictions of crimes that are more than seven years old, in a consumer report without the consumer 's permission. These accounts are an adverse item that they are reporting again without my permission, which is against the law.

15 U.S. Code 1681s2 ( A ) ( 1 ) A states that 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. Additionally, 15 U.S. Code 1681e requires every consumer reporting agency to maintain reasonable procedures to avoid violations of section 1681c and to limit the furnishing of consumer reports to the purposes listed under section 1681b. 

Equifax, XXXX, and XXXX are not maintaining reasonable procedures, and since I have written several notices concerning my report, I would like to seek compensation on my behalf for defamation, negligent enablement of identity fraud, violations of the Fair Credit Reporting Act, willful injury, and financial injury. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX past due as of XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX past due of XX/XX/XXXX XXXX  XXXX XXXX Paid, closed never late ( update trans on time ) XXXX  XXXX XXXX XXXX Paid, Closed never late ( update trans on time ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX past due as of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Closed charger off XXXX written off past due as of XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX past due as of XX/XX/XXXX XXXX XXXX XXXX XXXX Closed charge off XXXX written off XXXX past due as of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  account XXXX past due of XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit card or prepaid card

I have had several credit cards closed by issuers within the last 3 months. 
Ive had one business Capitol one card closed shortly after being granted and two secured cards cut off by Capitol one which were personal and none of the cards had late payments or any other problems. Yesterday my XXXX XXXX was closed and am being told due to regulatory reasons it was justified. 
Somehow I am being blacklisted by commercial banks but my credit union cards have not been bothered. I need to know whats going on and why are these cards being closed by issuers even when I have no Late payments or balances on any of the cards
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX XXXX  ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT LATE PAYMENT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Mortgage

Loancare through XXXX XXXX XXXX' is negligently or purposely delaying the release of checks to pay contractors for repairs to my property. It had taken me more than 7 or 8 phone calls in the last two weeks to attempt to get the checks released. Every time I call XXXX I receive a different excuse for the reasons the checks have not been released. 

Currently, I am paying the contractor out of my own pocket because Loancare is retaining the checks intended to pay the contractor.
Product: Credit card or prepaid card

To Whom It May Concern, Similar to the complaint I filed yesterday, Citibank has filed another interest charge for {$83.00}. That again was based on their faulty autopay system. I would n't be surprised if they have done that to other customers as well. This needs to be re-mediated immediately.
Product: Debt collection

I tried to reach out to this company through mail on multiple occasions to try and rectify the situation over the last 6 months and I have yet to receive an response. I feel this account is affecting my credit and hindering me from being able to obtain a loan to buy a home.
Product: Debt collection

Conns home plus has been continuously calling me more than 3 times a day from random local numbers. I have given a promise to pay of a certain date and they keep calling. I know calling more than 3 times a day and after a promise to pay was given should not be allowed. They called last night at XXXX this morning at XXXX and then again just now at XXXX I have told them 3 times I would pay it Friday and they continue to call. I have also asked them to please not call me any longer I will pay it when I get paid on Friday.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX PhoneXXXX Email : XXXX Consumer Financial Protection Bureau XXXX CFPB ) 1700 G Street NW Washington, XXXX XXXX Subject : Formal Complaint Against Wells Fargo Bank , N.A . for Breach of Agreement to Remove Late Payment from Credit Report Preparer Information : This complaint has been prepared by XXXX XXXX XXXX ( Pending, XXXX XXXX XXXX  ) on behalf of XXXX XXXX to ensure that the matter is adequately documented and presented for CFPB review. 
Complainant Information : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, PA XXXX Previous Address : XXXX XXXX XXXX XXXX, XXXX, VA XXXX Government Identifiers : XXXX Complaint Summary Complaint Details Account Information : This complaint is being filed against Wells Fargo Bank, N.A., regarding their failure to honor an agreement to remove late payment records from my credit report. This failure has resulted in financial hardship, including potential harm to my ability to secure a mortgage for a scheduled home purchase on XX/XX/XXXX. 
Creditor : Wells Fargo Bank , N.A . 
Account Number ( Last Four Digits ) : XXXX Type of Account : Revolving Charge Account Credit Limit : {$10000.00} High Credit : {$8700.00} Date Opened : XX/XX/XXXX Account Status : Closed by Creditor ( XX/XX/XXXX ) Past Due Balance : {$350.00} ( Now Paid in Full ) Delinquencies Reported : 30 Days Late : XXXX times XXXX  Days Late : XXXX times Please see the attached with continue issues
Product: Credit reporting or other personal consumer reports

UNVERIFIED ACCOUNT. Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant. 

XXXX : Ironhorse XX/XX/year> XXXX XX/XX/year>