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

I HAVE FILED A COMPLANT BEFORE WITH NO RESPONE BACK currentlydemonstrated in the above-mentioned report andbeing seemingly deficientofcertainty of facts, with concerns to the adequately certifiablereportingprocess ( es ) and or format ( s ), it can NOT be assumed your claims are withintheminimal criteria forlawful and or ethical reporting, even should collection rightsbeunaffected, if evenapplies. In appreciation of the sufficient reporting safeguards, the belownotedclaim ( s ) divulged versus me are contested as not being of a sureconfirmation offactsand truth much less being certifiable in its essential compliantreportingprocess ( es ) and orthe mandatory Metro 2 format reporting. Being divergentof theexpected reporting caliber, the below contested reputed claims probity each isin astate of peril due to multipleaspects of ailment as indicated beneath, effacefromreporting ALL ASPECTS OF NEGATIVITY immediately and permanently. Inaccordancewith the Fair Credit Reporting ActSection 611 ( 15 U.S.C. 1681I ) and theunderstood STANDARDS of acceptable lawfulCOMPLIANT REPORTING STANDARDSsuch as theMETRO 2 Five Points of Compliance andother potentially applicablestandards andor regulatory engrossments of reporting I amrendering this officiallywrit consumerCHECK OF COMPLIANT REPORTING andCHALLENGE versus any andall insufficientreporting and ineptitude to sufficientlydocument factual reportingverifiability ofvalidness, authenticity, accuracy, ownership ofresponsibility, completeness, and orcertifiability of the mandated compliant ProcedureofREPORTING and mandatorilyperfect complete certifiable METRO 2 FORMATcompliance ofreporting standard ( s ). Ido not recognize the information listed belowas having ever beendemonstrated tobe factual in solidity much less certifiedcompliantly reported in themandatoryprocesses of reporting and with factual, accurate, and completely certifiedorderedformat of the METRO 2 COMPLIANCESTANDARD of reporting standard ( s ) .PLEASEDELETE THE FOLLOWING ACCOUNTBELOW : XXXXXXXX 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: Money transfer, virtual currency, or money service

XX/XX/XXXX traveled from TX to CA to pick up my mother 's safe deposit box. I had all the documentation, had an appointment. Wells Fargo Bank refused me access to my box because of an back office on their end. Wells Fargo Bank - XXXX XXXX XXXX - Assistant Vice President - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, CA XXXX- I left with the understanding that my box would be inventoried and shipped to me after their back office issue was fixed and showed up in their computer system. I picked up my box XX/XX/XXXX, found out that it was shipped improperly per bank protocols and all the currency and coins were missing. This was a branch to branch shipment. I was refused access to my bank when they knew I had traveled XXXX miles to pick it up and someone in the XXXX XXXX branch conspired and robbed my box. I have contacted Wells Fargo Corporate, and I'm working with them, they acknowledge this should not have happened and are apologetic. A crime has been committed here and I need assistance.
Product: Credit reporting or other personal consumer reports

ACCOUNT XXXX XXXX XXXX XXXX has a 60 late payment from XX/XX/2023, How can it be 60 days late in XX/XX/2023 but no 30 day late in XX/XX/2023 before it can be 60 days late the prior month must be 30 days late I need to see all bank transactions that belong to this company that would prove my payment was not accepted on time in XXXX XXXXand was 60 days late or remove this unverified late payment. 
ACCOUNT XXXX  # XXXX This account is closed, So how can it have an available credit of XXXX XXXX? inaccurate information Please delete immediately Please see attached
Product: Debt collection

LVNV Funding, LLC is listed on my credit reports. I initially sent a letter requesting debt verification from LVNV Funding, LLC, but instead received a response from Resurgent Capital Services, which claims to represent LVNV. I found this response invalid. I then sent a second letter to both LVNV Funding, LLC and Resurgent Capital Services, reiterating my request for validation of the debt. Subsequently, I received a third letter from XXXX XXXX XXXX, stating they also represent LVNV Funding, LLC.

In my fifth request, I reached out to all three parties again, asking for contractual agreements. However, Resurgent Capital Services simply repeated their earlier response, insisting that I should only address them, despite the collections being attributed to LVNV Funding. 

To date, neither LVNV Funding LLC, Resurgent Capital Services LLC, nor XXXX XXXX XXXX has provided any contractual agreements between us. I have repeatedly contacted XXXX and XXXX about this issue and have disputed the listings multiple times, yet LVNV Funding LLC remains on my credit reports. XXXX, however, has since removed it.
Product: Mortgage

Had a modification done with wells fargo in XXXX of XXXX. Was told that I would qualify for {$5000.00} principal reduction incentive if payment are made XXXX straight. Called in XXXX and XX/XX/XXXX to discuss if $ XXXX would be applied only to be told that I had to wait XX/XX/XXXX when it will be applied. I asked if I refinanced would I forfeit the incentive I was told yes. Called XX/XX/XXXX to find out I was never eligible for the incentive when I spoke with several of wells fargo reps. Escalated the issue only to be told on XX/XX/XXXX by escalation team that they acknowledge they gave me the wrong information and that there is they can do to rectify the misleading info given to me.The robbed me of the Opprotinity to refi my homes when Mortgage rates where very low. The we deceptive, misleading with the information that was provide and the respond was cold and nonchalant. They didnt even have the decency to give the incentive I was originally told I qualified for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just only asked this company basic info on " their mortgage cash program '' they took this lil conversation too far. I would never use this company for my mortgage in life, they Rep is like 1 Star. ' Im very happy and content with my mortgage company, XXXX XXXX XXXX because I am a XXXX percent veteran, with a great VA Home loan. This company has no right to pull may credit, I gave them no permission what so ever and not even my ssn. Also they have no right to pull my credit every month and send me the results, with your company approval? on the document. saying I can get more info if I write or call www.consumerfinance.gov/learnmore. This is not right and Im being VIOLATED AND STALKED AND HARRASSED AND IDENITY STOLEN BY THIS COMPANY. I'M SUING THEM AND IM LETTING THE UNITED STATES GOVERNMENT KNOW, WHOM SPONSORED MY MORTAGE WHAT DAMAGE THEY ARE DOING TO ME. I WANT OUT OF THEIR SYSTEM AND I WANT TO GET PAID FOR THE DAMAGES THEY HAVE CASUED MY CREDIT AND HARDSHIP ON ME. THEY OWE ME {$750000.00} FOR THIS DAMAGE.ASAP!!!!!!!
Product: Checking or savings account

I qualify for an increase of my spot me feature. It never increased and i feel something is wrong so i requested a ticket be opened and it be looked into. An agent assured me she opened a ticket, even gave me a fake ticket number but never opened a ticket. Days after waiting on update, i contact chime and an agent tells me he assures me my ticket is open and being worked and I should wait for someone to contact me. Then when I insist on an update he tells me they never had any ticket open for me and he cant do anything to help. I reported this to a supervisor.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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: Payday loan, title loan, or personal loan

On XX/XX/XXXX and XX/XX/XXXX I received messages from an attorneys office. The reason for the call was not stated in the message. I had to play the message 4 times to get the phone number to call. When I returned the call I was connected to a very aggressive man, who claims that his firm XXXX and XXXX have been retained by Spot Loans to collect money from me on a payday loan I obtained. I am the victim of identity fraud from 2013 when someone hacked the SC Department of XXXX tax records. XXXX accounts were hacked. XXXX was XXXX of them. They say I received {$850.00}. I have never obtained a loan online. I have fraud alerts on all my credit files plus I have disputed many entries. Neither man would listen to me and said I was a criminal. I have asked both of them to stop calling me and I have hung up the phone on both of them. Their phone number is XXXX. 
Please get them to stop calling me. They are even talking to me about items on my credit report. They have no right to obtain information on my credit reports. They were asking about different accounts that are listed.They are also calling from a local number to deceive me. 
I am recovering from a total XXXX XXXX and these calls are very upsetting. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED TO HAVE AN ACCOUNT BLOCKED ON MY REPORT WITH   XXXX    SEVERAL TIMES NOW AND HAVE SUPPLIED ALL THE DOCUMENTS THEY REQUESTED TO HAVE IT REMOVED. UNDER THE FRCA  605B EXPERIAN AND   XXXX   XXXX   HAVE REMOVED THE FRAUD ACCOUNTS BUT   XXXX   HAS NOT AND SAYING IT NEEDS TO DO A FULL INVESTIGATION EVE N THOUGH ITS FROM IDENTITY THEFT SO THEY KEEP VERIFYING IT. I HAVE SUPPLIED MY DL, ID AFFIDAVIT FORM AND A POLICE REPORT AND STILL WONT HELP
Product: Checking or savings account

Wells Fargo advertised a promo called XXXX where they wanted the customer to bring in new money for {$25000.00} and leave it in the savings account for 3 months at the end of which they would deposit {$550.00}. At the end of 3 months I did not see this amount being deposited. When I called customer service I was told that the account was not eligible. I have all the paperwork with me that says the account is eligible to receive the promo funds. The case was escalated and I was promised that a case manager would call me within 2 business days. I never received the call. I then called again and was told that a case manager had not been assigned and that the bank now needed an extra week to decide on a resolution.
Product: Credit card

This is against Synchrony Bank as a representative of XXXX XXXX. After months of making regularly scheduled payments and then paying the account in full, XXXX and/or XXXX XXXX XXXX XXXX credit line to {$XXXX}, in effect closing the account, even though the account is in good standing. These actions serve to negatively affect my credit scores with all XXXX credit reporting bureaus. These entities should not be able to arbitrarily take such action with the end effect of wreaking havoc on my credit scores. They have taken similar actions against accounts in my mother and father 's names, all of which come out of the same budget and household income, separate complaints for which are being filed simultaneously herewith.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern in this matter. I need your assistance in removing a charge off account that do not belong to me. However, it is reporting on my credit file. 

My name is not XXXX, XXXX XXXX My address is not or never been, XXXX XXXX , XXXX XXXX, To XXXX XXXX, XXXX XXXX XXXX , or XXXX XXXX The following items do not belong to me XXXX is reporting on my XXXX & Equifax ; Bal : {$9300.00}
Product: Debt collection

debt was ex husbands, i shouldve been removed as authorized user.
Product: Payday loan, title loan, or personal loan

On XX/XX/2020, I purchased a washingmachine using Acima Credit. When the item was delivered, it was defective and not working properly. I immediately contacted the seller who told me it was my problem. I then immediately contacted Acima Credit and asked them to pick up the defective item. Acima Credit stated they would not pick up the item but instead they would offer me a settlement price. I paid the settlement price and Acima Credit listed it on my credit as a negative item. I was never informed that this reflect on me negatively and be reported on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRY ON MY CREDIT FILE FROM THE BELOW LISTED XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX/XXXX  XXXX
Product: Student loan

I have a Student Loan with Navient. 

They are taking money automatically from the bank and getting payments per the loan contract under the recorded payment plan and they are fraudulently creating late fees. They are engaged in US mail fraud. 

I have written to then for entire records of all payments, copies of the check and bank transfers made by me, since the first payment in 2008, so that I can do forensic accounting. They refused to give the entire records. 

The amount of the principal loan is fraudulent by as much as {$48000.00} or more, as they misapplied and defrauded all payments, since the first payment in 2008.
Product: Vehicle loan or lease

Company repoed the vehicle and is still reporting late payment to the credit bureaus.
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was outraged to find multiple inaccuracies that should have never been reported. These errors are not harmless clerical mistakesthey are actively damaging my financial reputation and creating unnecessary roadblocks. I refuse to allow false information to dictate my creditworthiness and demand an immediate and thorough reinvestigation. 

The following items that I'm disputing are as listed : XXXX XXXX - XXXX - {$0.00} Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. If these disputed accounts can not be fully substantiated with solid, irrefutable evidence, they must be removed immediately. This is not a requestit is a demand for compliance with federal law, and I expect a prompt and decisive resolution. Any failure to correct these errors will not be ignored.
Product: Credit card or prepaid card

I am very concerned that this bank engages in deceptive practices by using certain language and not using other language In order to get customers to both open and keep open the account so that they may incur uneccesary fees. This bank claims that in its terms and agreements it outlines that if you make a Single late payment not including it a recurring credit bureau audits it can and will decrease your credit limit. This action adversely affects the customer. The company claims its in its terms and agreements, how convenient. How can a company charge a late fee 1 day after the due date when they dont offer any alternatives to the customer to avoid making a late a payment. Such as, automatic debit payments, 1,2 or 3 day curtousey text, email reminder or grace periods for payments. Instead this bank and its representatives have said that I should use the features MY BANK offers me in which to pay my bill on time. I feel The burden should not be on the consumer to avoid late fees if the banking institution hasnt fully developed options for its customers to make a payment ON TIME. You have to physically log on every time just to make a payment and or schedule one every 30 days. This is not okay considering XXXX hasnt met its burden of providing payment options only to turn around and make money off of customers for their inadequesies.. These bogus terms and agreements, then gives them the legal authority to charge an account {$27.00} for a late payment without providing ANY GRACE PERIOD. This company turns around and punish the customer for not using a feature of THIER bank to make payments. I have many CC companies and Ive NEVER had my credit limit decreased. I am closing my account and cutting my losses. If they can close my account at its own discretion which will then have a negative impact on my credit, I should cut my losses early. This option is NOT favorable to consumers. But these practices leave consumers no choice but to stop doing business with this kind of company. One with no ethics and is predatory. This predatory banking/lending institution should be closed down for its deceptive and unfair practices against consumers. This bank is equvilanent to XXXX XXXX. A shady company to say the least. A XXXX Card is BEST A CLOSED CARD.
Product: Checking or savings account

I recently switched my banking to Wells Fargo including my personal checking as well as business bank accounts. After transferring all of my funds and conducting business transactions for almost two months, I received an email saying all of my accounts were being frozen due to 3rd party deposits that were being made by my tenantsXXXX as this was against bank policies. Without any other notifications or warnings, I immediately lost all access to my accounts online and all incoming deposits and scheduled withdrawals were canceled. After contacting the bank and explaining the details I was informed that in order to resolve the issue, all the tenants would have to go into a local branch and physically verify identities or the accounts would be closed. Unfortunately, this was not a feasible request of the tenants due to the fact that we are located in Michigan and the closest branch was confirmed to be in XXXX, Florida. After explaining this, I was told that all accounts would be closed on XX/XX/XXXX and a certified check totaling over {$12000.00} would be sent out by mail, which represented the additional funds in all 3 accounts that were unrelated to the matter. They stated that the {$2000.00} in question would still be on hold until the proper verifications were made. When I called today, XX/XX/XXXX, to verify that accounts were closed and check was being sent, I was now told that an extension was placed on the account closure until XX/XX/XXXX to give the people in question time to verify. I was also told that they will continue to extend the closure until verifications are made in person. I was able to escalate the call up to higher management and they understood and reasoned with me, but confirmed that there would be no way for me to obtain my funds until verifications were made and more than likely extensions would continue until then. I explained that I could provide several forms of proof to resolve this issue including lease agreements, copies of tenant IDs as well as contact information for all in question but that to expect these individuals to travel to Florida for a local branch was simply not realistic. At this point I am willing to forfeit the {$2000.00} that is unverifiable but the additional {$12000.00} that I was expecting to be released today should not be locked up in this situation. I even suggested that I could travel to Florida to at least verify my own identity and get my funds released but I was told that it wouldn't help unless all funds were verified first. I am literally in a position where I have to just sit and wait until the bank decides to actually close the accounts, which according to several representatives is not likely to happen anytime soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is claiming that I owe a debt, but I have never had a relationship with XXXX XXXX XXXX. They are illegally reporting XXXX incorrect accounts to Experian, and this is affecting me tremendously. I sent the first letter on XX/XX/22, and the second letter on XX/XX/22 requesting validation, but this request fell on deaf ears, yet it is still on my credit report. I am under the impression that both EXPERIAN and XXXX XXXX XXXX received my letter because my credit report notes that it was in a dispute. My question is why have I yet to receive any validation of this account? Also, the balance is not the same balance I have with the original creditor, so I am confused as to why this company is saying that I owe the stated balance on my credit report. Due to the fact that you've not legally verified this account and have allowed for incorrect and possibly fraudulent information to continue reporting on my credit file, you are required to remove this account immediately from my credit report. This is violating so many FCRA and FDCPA requirements. Also, both Experian and XXXX XXXX XXXX are in violation of XXXX. I never gave consent to the original creditor to share any medical information. If I am forced to take this to court and hire an attorney, I will be seeking {$2000.00} per violation. I will attach the letter that was sent XXXX months ago. You will also see the mailed date and time stamp on the letter. Please investigate once again and remove these accounts immediately.
Product: Debt collection

Today, I got a phone call from " Unknown '' contact number obviously hiding the caller. I picked up the phone and one man was repeating my name. As the caller was blocked I presumed it may be a scam so I asked him who I am speaking to. Then he responded with his name from Midland Credit planning on law suit for the credit debt from XXXX-here, he indirectly confirmed that the company is not the original creditor and tried to make an attempt to threaten me with legal actions. 

XXXX 's the well-known XXXX has a credit line opened with XXXX XXXX  which often work for many other corps for the credit line platform, so I tried to access my online account but I failed to log in. It almost seemed to me they closed the access entirely. So I called to XXXX and asked them why the credit debt balance was sold/transferred to the 3rd party collection company when I already requested the suspension of the payment for Covid-19. And the representative couldn't respond to any of the questions regarding the matter. 

Not to mention being blocked from my own information, XXXX XXXX  didn't even inform me prior to the sudden closure of my accounts. Then this almost fraudulent action made by them, did lead to this unpleasant and threatening phone call that I received from Midland Credit. As per the information provided by XXXX, the Midland Credit took over the debt on XXXX of this year which is still during the pandemic.