23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Sirs : Please refer to my prior complaint # XXXX dated XX/XX/XXXX, also against Yamaha Finance . Yamaha continues to stonewall my complaint, and has not provided CFPB with any response. 

Please be reminded that the only possible legitimate late payment occurred on Monday, XX/XX/XXXX, when they processed my regular monthly payment. Because Yamaha does not work over the weekend, they did not process my payment when my banks envelope actually arrived at their Texas XXXX XXXX XXXX I was charged {$39.00} late fee. I disputed the payment in a business letter dated XX/XX/XXXX, to which they never responded. 

Yamaha Finance then began to compound the late fee by alleging that I did not make a full payment by the due date. Thus, to mitigate the dispute, on XX/XX/XXXX, I mailed Yamaha Finance a separate check in the amount of {$39.00}, which was negotiated per my bank on XX/XX/XXXX. XXXX XXXX verification that they negotiated my check is an attachment to this complaint. My check contained the following endorsement on the front : Full and final settlement of all claims for late fees and associated penalties. 
Additionally, on the reverse, I wrote, Negotiation of this check is full settlement of the items on the front. 

Yamaha Finance accepted my conditions when they processed my check. There is ample case law on this point. Despite this fact, however, I just received a Payment Reminder Notice from them that states I have a past due amount of {$120.00}, copy attached to this complaint. Also, I receive almost daily harassing telephone calls from Yamahas bill collectors, who refuse to listen to reason. Note that I had adjusted the date my bank mails their check to Yamaha, so all payments after XXXX have been received on time. 

Respectfully submitted, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Product: Debt collection

I wrote a letter to company asking them for proof of debt company has yet to provide proof company then got me served I responded to service. Never got a response back company was aware I was in hardship and still tired to continue. Then company garnished my checks. I do not owe this company but they are still reporting to my credit I want the, removed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The Equifax Credit Bureau is reporting inaccurate information on my account. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

XXXX MORTGAGE XXXX
Product: Credit reporting

I submitted a complaint on here on XXXX XXXX, XXXX in regards to XXXX XXXX XXXX improper validation of my so called debt. I sent them XXXX different letters, first being on XXXX XXXX, XXXX that was received and signed for on XXXX XXXX and the second being on XXXX XXXX, XXXX that received and signed for on XXXX XXXX, XXXX. Both letters were sent certified mail. XXXX XXXX XXXX replied back to my complaint that I filed on here, XXXX XXXX XXXX. XXXX is their response which is completely false and in accurate. 


" Response disputed XXXX XXXX XXXX XXXX said : Explanation of closure XXXX purchased the XXXX XXXX XXXX ( XXXX ), XXXX. ( " XXXX XXXX '' ) XXXX XXXX account ending in XXXX on or about XXXX XXXX, XXXX Business records provided to XXXX XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XXXX XXXX, XXXX, by XXXX XXXX XXXX whose social security number ends in XXXX and that a balance of {$480.00} was due on the account at the time of XXXX XXXX purchase. 
XXXX sent its initial notification letter to you on or about XXXX XXXX, XXXX. XXXX has no record of a response or a dispute being received in relation to its initial notification letter. In response to your dispute, XXXX has sent a letter on or about XXXX XXXX, XXXX, containing validation. XXXX also sent a letter containing a fraud/identity theft affidavit with instructions for its completion and return. 

Response In response to your complaint, XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) investigated and verified the XXXX account ending in XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time '' I never received any such letters on the past dates that they are stating. I share the same name with my deceased father that passed away in XXXX. He was going through financial hardship in his last years, I already have a identity fraud case filed with all XXXX reporting credit bureaus. It is very easy for a parent who shares a name with their child to open accounts in the child 's name. Which is the case here. This debt does not belong to me what so ever. This account needs to be deleted from my Trans Union and XXXX credit reports. XXXX XXXX XXXX broke the law by not responding to me in a timely manner and not even responding at all. I never received the letters they claim they sent on XXXX XXXX, XXXX or the letter they claim to have sent on or about XXXX XXXX, XXXX.
Product: Prepaid card

My parents bought me a XXXX gift card for my graduation on XXXX 2015. A week after they bought it I decided to look at the balance on the card and I discovered that an unauthorized puchase had been done, this left no funds in the card. The card had not left the house and it had n't been used once since it was bought by any of us. Once I learned of this me and my family took a multitude of actions to find a solution to this problem. We sent a fax and email to BankCard Services Disputes and we made multiple phone calls to them as well. On XXXX XXXX we received a letter informing us that they were setting our claim in our favor and they were issuing a credit to the account, the same account they closed because of the unauthorized transaction. A week later I called them to inform them that we had moved and had a new address. I 've called a couple times after that and every time I call I get the same answer : We are going to send you the card, wait about 5 or 6 weeks. We have been waiting for several months and still have no card.
Product: Credit card

On XX/XX/year> Capital One attempted to do a a scheduled ACH transfer from XXXX to pay a Venture Card ( XXXX ) outstanding balance of {$14000.00}. This was the first payment on this new card. 

On XX/XX/XXXX, the XXXX charge was " returned ''. I do not know why but given that this was the first payment, a likely cause is a mistyped account number. Capital One refuses to provide the information needed to verify this hypothesis though they clearly have it because otherwise they could not initiate an ACH transfer. Their refusal also makes it impossible to show that they are at fault. The ACH charge does not show on the XXXX side. 

On XX/XX/XXXX, I learned of the problem because CapitalOne restricted ( i.e. suspended ) XXXX. Not knowing what the problem was, I did an ACH transfer of {$14000.00} from XXXX XXXX XXXX ( XXXX ). This transfer was successful. 

On XX/XX/XXXX, I did an XXXX transfer of {$540.00} from the original account, XXXX, to pay the not-yet-due balance. This transfer was successful. 

Capital One then suspended another, unrelated, credit card, XXXX. This card has a scheduled autopay from XXXX and has been current on payments since its inception ( at least one year, Capital One 's web site does not let me go further back ) Given the likely cause of this situation and the fact that Capital One and that I've given Capitol One all the money that they are due, and did so within hours of learning of the situation, it's unreasonable that Capital One continues to accuse me of fraud. 

They've demanded a ridiculous amount of information from me. Among other things, Capital One demanded a utility bill for " proof of residence ''. The utility company quite rightly refused to verify my billing address when Capital One called. So, their fraud department wanted something else. I pointed out that the bank statement that Capital One demanded had my address on it ( it's the original XXXX account ) they told me to resubmit the same sheet of paper that I'd already given them again but this time mark it " proof of residence '', not " bank statement ''. This is ridiculous. 

At this point, I'm thinking that Capital One is merely trying to avoid paying out the " rewards '' on XXXX. Why they also want to kill what had been a satisfactory business relationship by restricting XXXX, I just can't fathom.
Product: Credit card

I have my credit card payment on a weekly pay cycle of $ XXXX/week. During the course of a month ( 4 weeks or 28 days ) I make a cumulative monthly payment of {$220.00}. My minimum monthly payment due on my credit card was {$180.00}, due on XXXX XXXX, 2015. 
I was charged a {$38.00} late fee on my XXXX billing due to the timing of the billing cycle and the corresponding payments. 
My due date each month is on the XXXX, but my cycle does not end until the XXXX. During the month of XXXX I had a payment applied on the XXXX, which is between the XXXX and XXXX. 
The application of the XXXX XXXX payment was applied backwards, to my XXXX payment requirement. The resulting billing period for XXXX XXXX through my due date XXXX XXXX only had 3 weeks ( 23 days ) to make my payment. My payments were made each week on XXXX, XXXX, XXXX. 
The XXXX XXXX payment should have been my XXXX payment, which would have been 4 weeks ( 30 days ). 
I did contact the company and talked to a supervisor. The supervisor did state and confirmed that I was being charged a late fee for paying my bill early and on a regular basis, but there was nothing she could do about the late fee.
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Product: Credit reporting or other personal consumer reports

I looked at my report and on XX/XX/2023 I sent a letter to XXXX XXXX  and Trans Union to reinvestigate my accounts. 
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 XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have submitted over 3 disputes/letters to Equifax, XXXX, XXXX to correct information creditors submitted inaccurately on my credit report. The supposed accounts have not been properly verified according to fcra 609. They have no proof of my wet signature to verify the account. On XX/XX/XXXX I sent the credit bureaus certified copies of my secretary of state UCC 11 which shows I have to debt/loans which they disregarded. The credit bureau nor the credit agency have supplied proper evidence, yet the delinquent accounts are being reported inaccurately. My 3rd Notice was sent XX/XX/XXXX Credit Disparagement Letter Notice Inent to Sue/Notice of Claim of Economic Injury which were notarized and post master certified documents which have been disregarded. I called the credit bureau on multiple occasions and also have gotten no response. I feel the credit bureaus along with dishonorable creditors have purposely caused harmed to my financial/economic responsibility to my country and family. As a veteran I feel the deepest regret to defend such dishonorable corporations. 
The following accounts should not be reporting on my credit report at all : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should not be reported derogatory on my credit report : XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Commencing on XX/XX/2022, I fell victim to a multi-layered scam operation run by the Fraudster XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Bank of America account to Fraudster. 

I would like to draw your attention to XX/XX/XXXX and XX/XX/XXXX, when I sent my complaint letters to Bank of America, in which I clearly stated how this scam has affected me personally, psychologically, and financially. They, however, didn't respond to either of the complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I received the letter from IC Systems, I called the number provided and I was met with a message saying that this company is not taking my calls. This is a debt from XXXX  that I've been disputing and filed a claim back in XXXX from another collection company tryin to collect on this. This company is also reporting incorrect time of debit as well as reporting this as new. This was placed in collection back in XXXX of XXXX and IC Systems is reporting this as XX/XX/XXXX as being a new debit. XXXX keeps passing this along when I dispute this claim and this company is falsely reporting this as a new debit. 

Below is when this was first on my account and I filed a claim on this company Date Reported : XXXX XXXX, XXXX Collection Agency SOURCE XXXX XXXX, Original Creditor Name XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$2000.00} Amount {$2000.00} Status Date XXXX XXXX, XXXX Status UNPAID Balance Date XXXX XXXX, XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification CABLE_OR_CELLULAR Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact SOURCE XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency SOURCE XXXX XXXX, Original Creditor Name XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$2000.00} Amount {$2000.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification CABLE_OR_CELLULAR Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES REINVESTIGATION IN PROGRESS Contact SOURCE XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I demand these unknown/unauthorized companies : Account XXXX, and XXXX XXXX XXXX to immediately be removed from my consumer report! Unless there is proof that I signed giving permission for any authorizations, giving permission for any types of transactions with these said companies, if there is no such proof, then this is IDENTITY THEFT and it needs to immediately be removed no later than 4 days according to 15 USC 1681c-2 Block of Information Resulting from Identity Theft. I will be coming after YOU REPORTING AGENCIES for continuously allowing this on my consumer report after several disputes, and will be collecting {$1000.00} per violation according to 15 USC 1681n-Civil Liability for Willful Noncompliance and for violations of 15 USC 1681eb Compliance Procedures ( b ) Accuracy of Report
Product: Debt collection

I went into a consumer credit transaction with Chrysler Capital on XX/XX/2017 in good faith to get household goods for my family. With my ignorance to the federal consumer law and trust in XXXX XXXX contract I was taken advantage of with the terms of the contract. I used the CFPB website and looked at Regulation Z which is the Truth in Lending Act and I see that when entering a credit transaction you're responsible for the finance charge and that is the dollar amount the credit will cost you ( XXXX Finance charge ) the finance charge was {$7700.00} and I paid {$10000.00} which is more than the finance charge. I also noticed that the transaction was suppose to come with credit insurance unless I declined the option and Chrysler Capital say they don't offer that which not following the Truth in Lending Act as they say they do. The finance charge also says It does not include any charge of a type payable in a comparable cash transaction but I was told to put down {$3200.00} as a down payment and they deduct the down payment from the total cost they actually added the {$3200.00} to the total cost which is just criminal on their part. Regulation Z also gives you a right to rescission in section XXXX which allows the consumer until midnight of the XXXX day to cancel the transaction but with Chrysler CapitalXXXX contract it say no cool off period meaning if you sign the contract you can't cancel and that is another violation of the Truth in Lending which makes them civilly liable for double the finance charge. I sent a complaint to this company in XXXX using title XXXX chapter XXXX and they responded with my claims didn't apply to auto loans but its a credit transaction that I applied for and it says it on the contract. Since then I have found violations of the FDCPA that this company has violated as well and I have them attached to this complaint. I am filing this complaint because Chrysler Capital is still reporting this account as negative to my consumer report and they sent an unauthorized person to my home the steal my vehicle and knowing that I was only responsible for the finance charge which means the vehicle was paid for. This action by them has put me and my family in a financial crisis because we're unable to get and house hold good by credit because Chrysler Capital has ruined and is continuing to ruin my reputation the have even sold the account to a company named XXXX and they're are reporting to the consumer reporting agencies as well I want to settle this matter here because they have caused me and my family too much injury.
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a  reasonable conclusion has been determined.
Product: Debt collection

I had seen a collection on my credit report with Credence not knowing what it was I asked for validation and I received an envelope full of bills from XXXX XXXX from a residence in Arizona. For the time of these bills I didn't even live in Arizona I'm attaching my driver 's license as proof of that if you look at the issue date. And I get a letter back after I asked them to validate that that they have validated it I don't know how this would be possible. I would like them to remove it from my credit report immediately they are trying to collect for a debt XX/XX/2019 XX/XX/2019 as well as added charges.
Product: Debt collection

XXXX law firm pc has not been contacting me via telephone I have provided to them. They have been calling my mothers home every other day. On XX/XX/2019 I received a call on my mothers home phone from XXXX XXXX XXXX I answered & they hung up. I then received a call on my cellular phone I answered & they hung up. Under the law for consumer protections I have rights that clearly state a debt collector, attorney, has to make a reasonable attempt at communicating with me about this debt. This law girl has not done that instead they have submitted for a writ if garnishment to the court & have not made any attempts at contacting me. Ive not received any letters asking me about this debt. No reasonable calls even when I have attempted to try to pay the debt. I feel like my writes have been violated & this requires an investigation. I will also file a complaint with the State of Arizona.
Product: Credit card or prepaid card

Had a transaction on XX/XX/2022 which was supposed to be credited back in the amount of {$300.00}. Called at least 6 times and chatted the same to get the offer. Was finally told by representative XXXX that I needed to call after XX/XX/XXXX for it to be manually applied. On XX/XX/2022 was told to pound sand.