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

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

I have a loan through Yamaha Financial Services Account ending in # XXXX. On XX/XX/2020, I called Yamaha to request a deferment for my XX/XX/2020 payment. I spoke to XXXX at Yamaha he assured me that Yamaha would defer my XX/XX/2020 payment. On XX/XX/2020 Yamaha began calling me stating that I was past due for the XX/XX/2020 payment I stated that XXXX told me the XXXX payment was deferred. I filed a complaint with XXXX and Yamaha responded to the complaint and states that " On XX/XX/2020 you called and spoke to a representative who mistakenly advised you that you would be able to receive an extension for your XXXX payment. '' Yamaha is now charging late fees to my account for XXXX payment and applying my current payments to the XXXX payment or previous month. They are reporting my account to credit bureau as past due 30-90 days. I have spoke to numerous supervisors and employees at Yamaha they refuse to correct my account. I have filed complaint with credit bureaus as well. I have requested corporate phone number via emails and they refuse to provide any further information so that I can resolve this. 

I have also had issues with Yamaha sending me a monthly statement they stated on recorded phone calls that they aren't required by law to send me a monthly statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX - XXXX XXXX # XXXX have 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 an 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 antidotes 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: Checking or savings account

My sister wired {$880.00} into my SOFI checking account on XX/XX/scrub>XXXX The next day it was restricted. I called customer service they said they needed to ask a couple questions, 1 ) who sent the funds and why. I answered both. The account was unrestricted. Then today, it was restricted again. I called customer service, this time they would not explain why the account was restricted only that the deposit was being investigated. They could not advise what type of investigation, or how long it would take. I need this money for medication and rent. Its a fed wire sent from my sister. There shouldnt be a hold or an issue with it. SOFI will not help or explain anything.
Product: Credit card

They were not clear that there was or did not advertise that there was an annual fee I was not told about the annual fee an I close the account after they charge me so they mess my credit bureaus so they mess my credit up then they tell me I have to wait 10 weeks to get my money back in a check when I gave them a bank to bank transfer
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XX/XX/2024 SHEPHERD OUTSOURCING XX/XX/XXXXRequest for Proof of Contract and Debt Validation Account Number : XXXX Reference XXXX Dear Shepherd Outsourcing, I am writing in response to your recent communication regarding the above-referenced account. I formally dispute the validity of this alleged debt and request that you provide me with concrete evidence that I owe this debt to your agency. You sent me a copy of the payment history with a different company name. You did not provide any of the documents that I requested. 

Pursuant to 15 U.S.C. 1681i ( a ) ( 7 ), I am entitled to request and receive evidence of the existence of any agreement or contract between your agency and myself. Therefore, I demand that you provide me with the following : A copy of the contract or purchase agreement with your company XXXX XXXX. Please provide a legally binding contract or purchase agreement that I signed, demonstrating my obligation to pay your agency. Not a payment history with previous Company. 

XXXX. Proof that I owe this debt to your agency : Documentation that clearly shows that I owe this debt specifically to your agency. 

XXXX. Proof of your legal standing : Documentation that proves your agency 's legal authority to collect this debt, including any assignment or sale of the debt from Your Company Shepherd Outsourcing. 

I want to make it clear that payment history or an itemized statement of the account is irrelevant to this request. I am not asking for a summary of the account ; I am asking for the actual contract that binds me to this debt, and evidence that you have the right to collect this debt from me. 

If you can not provide the requested documentation, I will consider this debt invalid. Furthermore, you must cease all collection activities, including reporting this debt to credit bureaus, until this matter is resolved and you have furnished the requested documentation. 

This letter does not constitute an acknowledgment or acceptance of any debt, and should not be construed as such. If you are unable to provide the necessary documentation, I expect you to remove any references to this debt from my credit report and cease any further collection efforts. 

Please respond within 30 days of receiving this letter. Failure to do so may result in legal action to protect my rights. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Wells Fargo sent numerous emails promising a promotional 4 % interest rate ( in place for 6 months ) if I added $ XXXX to my already existing savings account. A promotional code ( also sent by WF to my email ) was required. I added $ XXXX to my account on XX/XX/year> -- well before the XX/XX/XXXX cut-off date for this promotion. Wells Fargo required this transaction be made in person, so I brought my new deposit, along with a print-out of the promotional offer, and gave both to their " banker. '' XXXX has now sent a form letter ( to how many people? ) saying " Bonus offer code was not applied to the account at account opening, as stated in the offer requirements. '' So THEY didn't apply the code? -- After I brought it to them in hard copy? -- and that is supposed to make ME ineligible to receive the bonus? 
This is not a huge financial deal for me, but it is yet another indication that Wells Fargo continues its bad behavior -- playing unethically with its customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX account on my credit report shows inconsistencies. I 've made several attempts to address this matter and have been unsuccessful. Though I do have a late payment, TransUnion is reporting other late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems as fraudulent information on fraudulent accounts and they will not give me my credit report from ChexSystems I disputed over the phone with a ChexSystems customer service who is very belligerent and did not speak that much of English they are causing me not to have a bank account with false and fraudulent information I would like them to remove every single bit of information on my ChexSystems report every one of them it is fraudulent
Product: Debt collection

In 2012 I went to the Emergency room for a XXXX XXXX and was treated by XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, ( XXXX ). XXXX was under contract with Aetna Health Insurance Company at that time. XXXX did not turn the claim into the insurance company in a timely manner, and the claim was denied. Per their contract, XXXX was not allowed to bill me, the patient. Instead of writing the amount off the books, the balance remained but they did not bill me. Later, XXXX sold their Accounts Receivable to ProCollect. ProCollect refuses to acknowledge the paperwork that proves that I do not owe the debt. I sent a copy of the EOB from my insurance company with a code ( XXXX ). The XXXX page of the fax is the back of the EOB which explains a code " ( XXXX ) You do not have to pay this charge. That is because the provider did not send the claim to us within the required time limit. ( XXXX ) ''. The have put a collections entry on my credit report and have been sending harassing letters and making harassing phone calls. I made several attempts to resolve the issue and in return received abuse and zero cooperation. The would not give me an original invoice or any contact information other than company name for the original charge. Through my own research I was able to get the whole story from Aetna Health insurance company. I will also be reporting ProCollect to the FTC for XXXX and FDCPA violations. The phone abuse went all the way to the top. I even spoke to XXXX XXXX XXXX, Vice President of ProCollect. He immediately began yelling at me over the phone and talking over me. Thank you very much for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I phoned Experian and spoke with a wonderful Experian employee. I explained that I have repeatedly challenged an incorrect account on my credit report and that it has not been deleted. I also explained to her that since I have disputed the account so many times the system will not allow me to open another dispute so I had to resort to calling in order to open another dispute. The account is provided by XXXX XXXX XXXX. She opened my dispute and after talking with her, I felt it would eventually be removed since I have a history of paying my credit card balances off each month. 

On XX/XX/XXXX, I received an email stating that the dispute had been verified and my score was down. I do not know how Experian got proof of a factory reporting company such as XXXX XXXX XXXX verified a debt that is not mine. I reported XXXX  XXXX XXXX to CFPB in XXXX : XXXX and then again in XXXX CFPB number XXXX. I also reported the original creditor XXXX XXXX XX/XX/XXXX CFPB number XXXX. I received a response from XXXX, a XXXX XXXX Senior Specialist, Corporate Consumer Relations about my concern and spoke to her. Subsequently, XXXX  and XXXX, and Experian took XXXX out of my credit report. XXXX XXXX XXXX  have deleted XXXX  XXXX XXXX from my credit report. 

I went to the source of the issue, XXXX, and I was able to get it resolved with them they removed the negative information from my credit file. XXXX, subsequently sold incorrect information about me to XXXX  XXXX XXXX before they removed my information from their database which is the cause of my nightmare. If I had spoken to XXXX from XXXX prior to them selling an incorrect file to XXXX  XXXX XXXX, I would not have XXXX XXXX  XXXX showing in my credit file.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following negative accounts on my credit report. 

XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$370.00} XX/XX/XXXX XXXX  Account Number : XXXX {$13000.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$950.00} XX/XX/XXXX XXXX Account Number : XXXX {$9600.00} XX/XX/XXXX Account Number : XXXX {$87.00} XX/XX/XXXX XXXX  Account Number : XXXX {$12000.00} XX/XX/XXXX Experian : XXXX XXXX Account Number : XXXX {$370.00} XX/XX/XXXX XXXX  Account Number : XXXX {$13000.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$950.00} XX/XX/XXXX XXXX  Account Number : XXXX {$9600.00} XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$370.00} XX/XX/XXXX XXXX  Account Number : XXXX {$13000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$950.00} XX/XX/XXXX XXXX Account Number : XXXX {$9600.00} XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : 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 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

This has been an ongoing problem for a few years now. Equifax keeps saying i have not applied for credit, not used it or simply am not a US citizen. Untrue because i have credit reports with XXXX and XXXX. I have sent them my personal information many times, via mail and fax. To be able to verify who i am. The other credit bureaus have no problem showing me my credit scores. I even went as far as to contact all my credit cards and student loans to verify that they are infact reporting to Equifax every month, so I'm co fused as to how i can not have credit through them. But now because of Equifax refusing to give me my credit score because they can not verify who i am, i am unable to get a house mortgage. And i refuse to send them all my personal information again for like the 9th time just because they can't do their job correctly. I call and call and they all give me the same lame go around, " if you could send us your personal information via fax or mail we can verify your identity '' untrue because I've done it multiple times already and each time they say the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continuously called and disputed fraudulent credit cards that were opened using my personal information. The representatives I have spoken with have not made any effort to help me. I have also submitted an identity theft report. The representatives have been very rude and unhelpful in this situation.
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 : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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

I took out a loan of {$2500.00} in XXXX I have been paying on time, large amount and owe more then I took. They charging monthly XXXX dollars for customary fee and was not told that it would be on my loan just interest.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well over XXXX days and you are in VIOLATION of this law because I am the victim of identity theft. Please delete these items IMMEDIATELY.

These accounts should not be furnished on my consumer report as they are in VIOLATION. 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XXXX XXXX {$41000.00} XXXX {$5400.00} Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

During my lease with Mercedes Benz financial. I applied for a deferred payment. During my process of deferring my payment, my payment that was supposed to be covered with the deferred payment was reported late. I was never late during this lease agreement.
Product: Checking or savings account

We went to transfer {$25000.00} on Wednesday, XX/XX/XXXX from Synchrony Bank to another account. We linked the bank accounts, confirmed they were connected, and initiated an external transfer as noted on their website. Unfortunately, no where on their website do they make clear that I have to be the account owner for an ACH transfer ( I am now aware of this, have gotten used to easy clearing houses through programs like XXXX etc. ). The holding period for this cash to return is longer than what's feasible to make a purchase, and now the entire process is in jeopardy because Synchrony has no alternative solution. 

Synchrony points to page 5 of their Terms and Conditions as an excuse for not making this clear anywhere on their website, even though there's an incredible concise explanation of how everything else works on their transfer portal. We signed up for this account for the specific reason that it would be easy to use online, and honestly have had nothing but problems getting money out of Synchrony when we need it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had auto withdrawal set up for my account when i moved i was not informed that my last month would not be automatically withdrawn. I received a called from the collection company saying i owed one month. I informed that had to be incorrect and called the apartment complex. I then called the collector back and informed i had no knowledge that i owed and would pay for delete the agent agreed and even faxed a statement over informing this. I paid and they will not delete off my credit report.
Product: Debt collection

I got a letter in the mail from " XXXX XXXX XXXX '' company that they are trying to collect debt for " LVNV Funding LLC ''. This company bought what they claimed to be " my debt '' from " XXXX XXXX XXXX ''. In XX/XX/2018 I filled an ID theft report because the latter bank and " XXXX/XXXX  '' issued credits within one week on my behalf and the cards were maxed out. I discovered that there are two accounts under my name accidentally as I noticed my credit score was dropping. Both accounts were opened in XXXX, while at that time I didn't even live in NY. Unfortunately, I don't check my credit report often so missed these fraudulent accounts for months. I issued ID theft report, put a fraud alert on my account, and contacted XXXX  and XXXX. After few months these fraudulent debts were dropped from my report. Few months ago I noticed that there is a debt collector who bought the debt from " XXXX  XXXX XXXX  '', trying to collect ( {$800.00} ) and again it showed on my report. 
I don't know how these banks opened these accounts on my behalf without verifying my identity. I'm sure that the purchases can be traced to show that this was an ID theft crime and these banks are contributing to the fraud by being reckless.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion, and XXXX are all reporting inaccurate information on my credit profile, which is causing major damage to my credit history. The credit bureaus have stated they did a thorough investigation, but I find that hard to believe because I am still finding inaccuracies being reported. They are reporting different information, and this is illegal. If an accurate investigation was done, why are the account status, high credit limits, and dates of last activity different from the other? Shouldn't they all be reporting the exact same information if it was deemed accurate and properly investigated? I have attached screenshots along with the inaccuracies I found are highlighted. I am requesting the following account be removed immediately due to inaccurate reporting, proving the credit bureaus did not properly verify the inaccuracies that I have recently disputed.
Product: Credit reporting or other personal consumer reports

I pulled my transunion credit report and noticed XXXX unauthorized/fraudulent inquires from XX/XX/year> XXXX XXXX XXXX I pulled my Equifax credit report and noticed XXXX unauthorized/fraudulent inquiries from XXXX XXXX -XXXX XXXXXXXX