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

In XXXX, i called Northwest Bank to make payment on the phone and the lady that attended to me told me she was having problem with her computer and she transfered me to the automated line to make payment. I made the payment. 
Few days after checking my statement, i realized the automated line didn't record my payment. 
XX/XX/XXXX, i received 30 day late payment on my credit. This mistake wouldn't have occured if their automated line recorded my payment that was made in XXXX. 
I would like Northwest Bank to delete this late payment registered on my credit for XXXX since the payment was made before XX/XX/XXXX but their automated payment line didn't record the payment made in XXXX. 
Your urgent response to this issue will be appreciated
Product: Checking or savings account

My name is XXXX XXXX XXXX I and I tried to open a bank account with navy federal credit union I have never had a account with them I have sent them proof of my identity DRIVERS LICENSE SSN CARD PROOF OF ADDRESS and still they say I had an account with them and I told them that was identity theft and that was not me so I am asking to cupbearer in help me get this resolved so I may open my account with navy federal credit union
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WELLS FARGO XXXX XXXX XXXX XXXX XXXX XXXX  PROOF OF LATE PAYMENTS Dear Wells Fargo, I am writing to address the reporting of late payments on my account XXXX with your company. According to your records, there have been late payments on my account, but I am requesting proof of mailed statements for the dates you are reporting as late. 

As stated in 15 USC 1666 B Timing of Payments, a creditor must be able to prove that a late payment exists. The law states that 21 days before the payment due date, the creditor must send out a notice containing information from section 15 USC 1637 B Statement Required with Each Billing Cycle. This notice must be mailed or delivered within 21 days of the payment due date. It is imperative that you provide evidence that a statement was sent within the required timeframe in order to treat a payment as late.

Failure to comply with the procedures outlined in the FCRA ( Fair Credit Reporting Act ) has resulted in several violations of my consumer rights. I am in the process of concluding my paper trail before taking legal action. I urge you to update the credit reporting to reflect that the debt is PAID/NEVER LATE. 
I would appreciate your prompt response to this matter and ask that you cease reporting this debt as late until you can provide the requested documentation. Thank you for your attention to this issue. 

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

This submission has not been submitted before and this is not submitted by Credit Repair company. I just reviewed my credit report and found several accounts that are violating my rights In Accordance with the Fair Credit Reporting Act XXXX The accounts listed below are violating my rights according to these Laws 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 an account without my written instructions. 

Furthermore, please provide the following information and if you can not provide every single document to me, please remove the below accounts asap or I will be forced to file a major lawsuit, report this to the XXXX  and contact the Federal Trade Commission. 

1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A month or so ago, I contacted XXXX  to let them know that they were reporting my account with XXXX XXXX as " OPEN '' with a high balance, when in essence, the account had been closed in XX/XX/2017. I faxed them a statement, " PROOF '', from XXXX XXXX that proves the account was " CLOSED '', and that XXXX  XXXX had advised me on that statement, that they would alert all 3 credit reporting agencies, that my account was in a " CLOSED '' status. I even faxed proof to XXXX. In the interim, they emailed me that the dispute had been " resolved ''. When I went in to check the dispute disposition, I discovered that XXXX had " DELETED '' my XXXX XXXX account from my credit report file. I did not ask them to " DELETE '' my entire credit history with XXXX XXXX. They can not legally do that as if I never had a 4-year pristeen credit history with the company. I asked them to change the " OPEN '' status, showing I owed XXXX XXXX about {$6000.00}, to " CLOSED ''. XXXX  XXXX is an angry, vindictive corporate entity that wishes to hurt my excellent credit in any way that they can because I terminated my relationship with a horrific company with an exorbitant APR that had been " sucking the life out of me '' for years. My credit report has to be returned to the correct current status.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

THIS COMPANY, PORTFOLIO RECOVERY IS BEYOND RELENTLESS. THEY CONTINUE TO CONTACT FAMILY MEMBERS, FRIENDS, PEOPLE ON MY SOCIAL MEDIA ACCOUNTS WHICH IS ILLEGAL AND KEEP CLAIMING AMOUNT WHICH IS BEYOND INCORRECT. I AM SO TIRED OF THIS SCAMMING COMPANY!!! PLEASE HELP!
Product: Debt collection

I have recently become a victim of identity theft, and I have filed a report with the Federal Trade Commission ( FTC ). The report numbers for your reference are as follows : XXXX and XXXX. As a result of this identity theft incident, I have identified discrepancies in my credit report that require immediate attention and resolution. I am requesting a thorough investigation into the inaccuracies present on my credit report, with the aim of rectifying any fraudulent entries attributed to the identity theft. The details of the disputed accounts are as follows : 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, and XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX. Please delete these fraudulent accounts ASAP.
Product: Checking or savings account

On XX/XX/2020 three transactions were made on my atm card. They withdrew {$40.00}, {$260.00} & {$300.00}, I became aware of these after chase bank called on a transaction they had denied..but didn't seem to have caught these. I filed a report with them and they denied it saying since it was a chipped card it is impossible that these transactions were done by me. Reopened the claim and they denied it again. They stated the transactions were done at the Atm I always use, mind you this is the closest Atm to me. They have put in a peralis situation since this money is destined for house repairs. Now today 3 more transactions were made at XXXX {$60.00}, {$63.00} and {$100.00}. Since I have been working from home I have not left my home all day. Did file report but afraid they may come back with the same answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter to Equifax notifying them that my consumer rights were being violated. I requested method of verifications for disputed accounts. I requested full reports of how accounts were validated, verified, and how they were in compliance with the FCRA. I did not receive the required information.
Product: Money transfer, virtual currency, or money service

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Wise regarding an intrusive and unnecessary request for personal information related to my recent transfer. On XX/XX/year>, I received an email from XXXX at Wise ( reference payment : XXXX ), requesting additional details about the purpose of my transfer, whether the transaction was one-time or recurring, and a payment schedule if applicable.

Furthermore, they asked for sensitive personal information, including my occupation and the name of my employer, within 2 working days. While I understand that Wise is a regulated financial institution, I believe this request for extensive personal data exceeds what is required for this transaction, especially given that Wise has previously processed similar payments without such requests.

I am concerned that this demand for sensitive details, including my employer 's name and specifics about the payment schedule, infringes on my privacy. It also creates an undue burden, as I am unable to understand how this information is relevant to a straightforward transfer. Additionally, I feel that this requirement has caused unnecessary stress and could interrupt my ability to conduct essential transactions.

I request the CFPB to investigate whether Wise 's data request aligns with relevant financial regulations and customer protection standards, and to ensure that customers like me are not subjected to unnecessary or invasive requests without valid justification.

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I tried to make a transfer from my chase checking account to my checking account at XXXX XXXX XXXX. To complete the process, chase prompted that the account on the other end has to be established with a small deposits. On XX/XX/2024, I saw the small transactions on the other end and I verified the account on Chase app after which I attempted to transfer XXXX  XXXX from my chase account to the XXXX XXXX at around XXXX XXXX XXXX. I received a call from Chase bank representative on XXXX at XXXX XXXX XXXX saying that they wanted to verify the transaction. They asked me for the regular verification questions and also asked me to verify myself through a push notification on the mobile app. After I successfully verified, they told me that they are unable to verify my ownership on the other account ( XXXX ) and so they are unable to make the transfer. I asked about the process that they tried to verify and their response was that they tried to call the other bank and there was no response. In my experience, XXXX is a small bank and they always are prompt in their responses. The alternate they provided is to make a XXXX  XXXX  or make a check deposit. As an online only consumer for XXXX, the limit is XXXX  XXXX and they also have extended holds on check deposits on my account as I am a relatively new customer. As a consumer, I will be charged XXXX from Chase end for a XXXX  XXXX  and XXXX on XXXX end if I have to make a XXXX  XXXX. I asked about the same and since it is an issue with chase, I asked if can they waive that fee and they declined. I explained that I verified my ownership by entering details about the small deposits they made and that they can also see that there is a XXXX withdrawal happening from the same bank for mortgage from the chase account which can establish my ownership or call the other bank ( XXXX ) again on the number from their website and they declined to help through any of those ways. 

I came to CFPB to file a complaint and as the prompts on this site suggested me if I tried to resolve it with the bank, I tried calling them again at XXXX and after a XXXX  of internal phone routing and spending XXXX minutes, I got the same result. 

This issue seem to be evident that this bank is trying to extract unnecessary fees from clients by denying basic services that are usually free and easy at other banks.
Product: Debt collection

LVNV FUNDING LLC is attempting to collect an alleged debt not owed to LVNV FUNDING LLC by me. See attached letter and proof of contact. LVNV FUNDING LLC shall immediately cease and desist any communication with me in the attempt to collect any debt. I plan to exercise my lawful constitutional rights should LVNV FUNDING LLC communicate with me in the attempt to collect any alleged debt. 
SEE ATTACHED LETTER TO LVNV FUNDING LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, SC XXXX n accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is my previous complaint and also the company response. I requested original contract with my signature at time that i received services and proof and authority that XXXX XXXX XXXX can lawfully collect any monies from me but i haven't yet received any of the requested documentations. 

YOUR COMPLAINT I reported an inaccurate information on my credit report, put on there by Southwest credit systems, L.P. they said my balance was XXXX XXXX dollars, now after my complaint they responded and also uploaded few billing statements with my name and my former address on it, this could have been made up, it also shows inaccurate break down of service they claim i had at a former address, i have been harassed with all sorts of promotions from XXXX in the past but only remember getting internet service that was paid for on time and cancelled when i moved from my old address. The billing information they uploaded is very inaccurate and i kindly ask that they provide a full contract with my signature before accepting service that they claim i owed them {$58.00} dollars. Once again i will like to see a contract and i also will like to see documentation giving Southwest credit systems lawful rights to collect any kind of money from me. 


responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Complaint Number : XXXX Consumer Name : XXXX XXXX XXXX XXXX. Response Date : XX/XX/XXXX Southwest Credit Systems , L.P. ( " SWC '' ) is in receipt of the above-numbered consumer complaint. SWC takes all consumer complaints seriously, and is grateful for the opportunity to respond. On XX/XX/XXXX, XXXX contracted SWC to collect the unpaid balance of {$58.00} from XXXX XXXX, XXXX, PA. According to XXXX, the account became delinquent XX/XX/XXXX. On XX/XX/XXXX, XXXX received XXXX XXXX first CFPB complaint regarding his account ( reference # XXXX ). On XX/XX/XXXX, XXXX answered XXXX XXXX complaint and provided account validation per his request. The bill copies XXXX XXXX received were provided by XXXX for services rendered. XXXX also stated, We do not have signed contracts for our residential customers. SWC will continue to work with XXXX and XXXX XXXX to resolve this matter. SWC is compliant with regulations regarding collections and credit reporting. If XXXX XXXX or the Bureau has any further concerns, they may reach SWCs Executive Relations department directly at ( XXXX ) XXXX or XXXX. XXXX XXXX Compliance Southwest Credit Systems , L.P .
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I have did a little bit more research and investigation into account XXXX XXXX XXXX I had filed many complaints and disputes against your bank regarding credit reporting and I do believe that you are in full violation of the FCRA on multiple violations and I am writing to put your office and organization on full legal notice as well as all three of the major credit reporting agencies that will be attached to this particular and my final dispute to you before taking legal action. I asked you to review on your Company letterhead dated XX/XX/XXXX in which you stated that you would notify each credit reporting agency have an update in which the law requires you to if you review the credit report the required notice of dispute is missing there was no update you fail to notify the credit bureau that the consumer dispute and you have 30 days to do so if you review the credit report Equifax shows no dispute remarks at all 2 ) if you review experience credit report you will see the last dispute was conducted and on XX/XX/XXXX XXXX as well show the last update XX/XX/XXXX based on factual information that Im providing to you today shows that you did not notify the bureaus of any investigation that I dispute it with you the law requires you to notify the bureaus within 30 days of your investigation and as you can see you fail to do so which puts you in violation of the FCRA and I order in demand you to delete this account immediately or face consequences this is not a threat this is a promise remove this immediately have the bureau send me an updated credit report showing the deletion I think you for your full cooperation but XXXX XXXX the law is clear and Im a law Biden citizen and I will continue with legal action thats why the credit bureaus has been notified on this same complaint/dispute that you are receiving right now I want it removed now I asked you to review yours full statement in your letter thats uploaded I asked that you review both credit reports dates that you failed to do your job and most importantly you failed to follow the law And please be advised that you have an active dispute that youre working on is also a violation of the FCRA and I will come after you for {$1000.00} on that one as well if the account is not moved enough is enough remove it I think you for your full cooperation and look forward for the deletion! 
The credit report date is at the very bottom of the page and please Acknowledge you see XXXX XXXX
Product: Mortgage

On XX/XX/year> I interacted with XXXX XXXX, he is a mortgage banker with Chase locate at XXXX XXXX in XXXX, NY. He was able to give me a pre-approval as I was searching to buy a home. I finally found one- a condo complex. On XX/XX/year>, I was asked by XXXX 's assistant, XXXX XXXX XXXX XXXX a {$500.00} Good Faith fee in order for the underwriter to complete the review. Which I did. Then in XX/XX/year>, JPMorgan Chase was asking for a request for evidence of property, liability and fidelity bond insurance from the condominium which was sent to them. Apparently XXXX from Chase stated that the coverage required by Fannie Mae was not covered in the insurance coverage submitted. I ended up closing with another institution after 6 months trying to close with Chase. On XX/XX/year>, Chase sent me a letter " Statement of Credit Denial '' due to " value type place or condition of collateral insufficient or unacceptable ''. Since Chase did not close my loan due to requirements not satisfying for Fannie Mae, I am confused as my current loan is with Fannie Mae now. I have a confirmation from Fannie Mae by a letter sent to me on XX/XX/year> stating my loan was purchase by XXXX XXXX.I requested for Chase to return my {$500.00} as they had denied me and also took 6 months to decline me. I almost lost my opportunity to purchase this home. I was declined to get my {$500.00} back after contacting XXXX 's XXXX, XXXX XXXX in XX/XX/year>. I also had followed the advise from XXXX to dispute the charge with the bank, which is also Chase- but they reversed the temporary credit given to me as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I contacted Transunion to explain to them that there were fraudulent hard inquiries on my credit report. The person in the fraud department refused to even open a dispute and look into these items. During the phone call he repeated several times that the inquiries are a statement of fact and that Transunion would not send any information or documentation showing that I authorized these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem with XXXX and XXXX XXXX XXXX. This dept is going to be XXXX XXXX XXXX, XXXX reopened my account without any given knowledge or reason. XXXX is treating this as a new debt, by stating the fact that i had one missed one payment this month. This action not only had lowered my credit score. But a loan credit card i have, called Upgrade, cut me off from using it. The card is paid well and on time, upgrade is another complaint. The Statius of this credit card changed when XXXX XXXX reopen the old loan, and then first missed payment reported. Can you please do something to correct this situation. Thank you
Product: Debt collection

I am a victim of identity theft .This collection agency reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. I never had any medical services from XXXX XXXX or ever authorized to use my personal information. This have caused me great damage and embarrassment also with emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I asked that these items be investigated and removed from my report In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 602 A. 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 an account without my written instructions.