23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

In mid XX/XX/2020 I paid off my Yamaha boat loan with Yamaha Financial Services. The balance was roughly {$27000.00} and they said they would mail me the title. It has been over 60 days and they have not mailed me the title nor have they sent me a lien satisfaction letter so I can request a title from the DMV.

I have called them over 12 times and each time they tell me they tell me they will mail me the title. I have spoken to many associates and XXXX is the manager involved. XXXX has always promised me a call back within 1-2 days and he has never called me back, not once, to update me on my title.

Yamaha is fraudulently holding my title and refusing to give me the title. I paid off the title so I can sell the boat. In this financial crisis I am in need of money and Yamaha should provide me with my title. They are restricting the ability for me to support my family as income has gone down.

Account # at Yamaha XXXX
Product: Credit reporting or other personal consumer reports

I found multiple billing errors on my credit report that show late payments not in line with my usual payment history. Kindly correct them and update my account. Thank you!
Product: Prepaid card

we received the gift card as a birthday gift. when we opened the card the numbers on the card stuck to the inside of the package - making card unreadable and we could not see the numbers on the inside. The card was placed in the package defective.

Vanillagift.com would not provide me with the 4 numbers and required proof of purchase, address info and other information. Since we got as a gift we do not have receipt and hence could not complete the issuance of a new card. 

Customer care states that is the only solution for the gift card and now vanilla.com just got {$50.00} profit for a card that we can not use. We are also contact XXXX XXXX to make them aware of the lack of customer service provided and asking them to stop selling this providers cards. 

Thank you. XXXX
Product: Checking or savings account

Citi Bank locked my account and have supposedly sent out a letter with a reference number. The letter has not been received and I have not been able to access my account or my funds.
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 XXXX  Account Numbe XXXX Account Name : XXXX XXXX Bankruptcy Account Numbe XXXX Account Name : XXXX XXXX Bankruptcy Account Numbe 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: Money transfer, virtual currency, or money service

I sent {$1500.00} to the wrong phone number and Bank of America wouldnt refund my money. 

I sent {$170.00} to the wrong phone number and Bank of America wouldnt refund my money. 

I called customer service to report fraud. The representative from Bank of America stated that once the money was sent there isnt anything that the bank could do to retrieve the funds. This happened in XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$720.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1200.00} Hard Inquiries to Be Removed I request the removal of the following hard inquiries unless verifiable, signed proof of my authorization can be provided : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/XXXX and I noticed some incorrect inquiries and not accurate. and according to the fair credit act whenever a consumer reporting agency prepares a consumer report it shall follow the reasonable laws and procedures required to assure the maximum accuracy of the information concerning the specific individual about whom the report relates. These inquiries and/or accounts are as follows : 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 and according to 15 USC 1681s-2 A person shall not furnish any information relating a consumer reporting agency if the person knows or has reasonable cause that the information is inaccurate.

check the attachments below
Product: Checking or savings account

On XX/XX/2023 @ XXXX XXXX I received a call from XXXX ( XXXX ) XXXX stating they are Chase fraud line saying someone is trying to access my card and would close it and sent new one. I said ok close it and they text me code to chase text number ( XXXX ). After five days checked my accounts and it shows still active and multiple ATM transactions in total {$3600.00}. All this ATM transactions were made each by {$140.00} {$160.00} and {$20.00} this transactions happened in two days and still my account was not giving me notifications of transactions which I received all the time. I called chase to claim fraud they said they will investigate it and never call back. After four days I called back and they denied the claim stating the person that used my ATM used face ID to pay which I dont understand and they said there is nothing they can do.
Product: Debt collection

On XX/XX/XXXX, I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that RECEIVABLES MANAGEMENT SYSTEMS had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/XXXX with a balance of {$120.00}. I had no knowledge of this company nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of purchasing a home. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with the purchase of my home and business ventures that have to be delayed until this illegal account is removed. RECEIVABLES MANAGEMENT SYSTEMSXXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent : Fair Credit Reporting Act ( FCRA ) Violations in My Credit Report Dear Transunion, I hope this message finds you well. I am writing to address critical discrepancies uncovered in my credit report, which blatantly infringe upon the regulations outlined in the Fair Credit Reporting Act ( FCRA ). Unfortunately, persistent errors persist in my credit profile, indicating a significant oversight of FCRA compliance within your agency. 

To clarify : The Fair Credit Reporting Act is a pivotal federal statute governing the precise collection and reporting of consumer credit information. It mandates the accurate acquisition, retention, and disclosure of a consumer 's credit data, thereby ensuring transparency and fairness in credit reporting practices. 

The identified instances of FCRA violations include : Inaccurate financial data provided by creditors to reporting agencies. 
Merging of individuals ' information based on similarities in names or social security numbers by agencies. 
Neglect of prescribed dispute-handling protocols. 
Under the Fair Credit Reporting Act, I am entitled to specific rights, such as : The right to verify the accuracy of my report, especially concerning employment purposes. 
Notification if information in my file has been used against me in credit applications or other transactions. 
The authority to dispute and request bureaus to rectify and remove incomplete, erroneous, or unverifiable data. 
Removal of outdated negative information within the prescribed time frames. 
I formally request the immediate rectification of the listed items below. These items egregiously breach FCRA standards due to inaccuracies, lack of verification, and continued invalidation. Their presence has caused significant distress, particularly evident in my recent credit application denial due to errors originating from your agency. 

1. XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments. 

2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX  I have no recollection of authorizing this credit pull and I demand this to be removed. 

4. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

I anticipate prompt and comprehensive action to address these violations within the FCRA 's mandated timeframe. Failing to comply will, unfortunately, leave me with no recourse but to pursue legal measures to ensure my rights under the FCRA are fully upheld. 

Sincerely, XXXX XXXX
Product: Debt collection

Bennette and associates are calling threatening to sue for a debt that clearly is unknown or owed They gave me this case or reference number XXXX Their address is XXXX XXXX XXXX XXXX ca XXXX The agents were very rude they called my husband and did not allow him to ask certain questions anytime he asked them to stop calling us they tried to over talk him so that his request did not get recorded. The guy name was XXXX he's a fast talker and very rude
Product: Consumer Loan

I called on XXXX/XXXX/15 to pay off a loan I received on line on XXXX/XXXX/15. I wanted to pay off the loan using an increase I received on the credit limit of a credit card. I was told the company does n't accept credit card payments above the amount of the monthly payment. When I asked where it states that in the contract, I was told it does n't. That 's just company policy. Had I been told this, I would have forgone the loan. I believe this is Inadequate loan disclosure. It 's unfair business practice to change a contract that is in writing, without written consent.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate Under 15 U.S. Code 1681 b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( IL promptly delete that tier of information from the fie of the consumer, or modify that item of information, as appropriate, based on though results of the reinvestigation ; and XXXX XXXX entity the furnisher of that information that the information has been modified or deleted from the tie of the consumer. Please remove the following items from my credit report, immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Had a medical issue. Went to local urgent care center. XXXX in XXXX XXXX Florida on XX/XX/XXXX, Bill was sent to XXXX amount of {$340.00} XXXX allowed {$99.00} and paid {$78.00}. My supplemental insurer ( XXXX ) paid the remaining {$19.00} on XX/XX/XXXX about 3 weeks after my visit. Since that time I have been harassed by a company called XXXX XXXX XXXX XXXX XXXX for the {$19.00} I have sent them letters, emails, showing proof of payment and have had countless frustrating telephone calls with people who are unable to help. and continue to tell me its under review, with no ability to connect me with anyone who is actually reviewing this. XXXX even actually refused to help me with a minor medical issue unless I paid them right then and there. 
This company is TERRIBLE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : 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

XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX andXX/XX/XXXX XXXXXX/XX/XXXX XXXX sent disputes to credit Bureus. These companies are all frauds, they tempt you saying low credit approved but decline after pulling hard inquiry.
i even called them and there is no proper person to speak with and i end up getting ignored and agitated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a new XXXX XXXX account without specificity. They are not showing the credit line/limit. Its blank. And they are reporting the account is only XXXX months old when in fact, it is XXXX months old. The last four digits are of the account number XXXX.
Product: Credit card

Went to buy my son a car for his XXXX Birthday and they told me I had a XXXX score when I knew I had a XXXX score. 
Beknownst to me American Express had reported an account that was not one of my personal American Express accounts ( see attached ). 
Therefore I immediately contacted the credit bureaus and disputed this bogus XXXX delinquent/ in collection/ charged off, reported account. Then American Express responded to the credit bureaus dispute ... that not only that this XXXX account was accurately being reported but added another derogatory XXXX delinquent/ in collection/ charged off, reported account. XXXX, I 've had personal accounts with American Express since XXXX and NEVER been late with them let alone not paid them. Therefore please look at these XXXX accounts and how they are being reported. The obvious issues are as follows : # 1 = opening dates XXXX XXXX and XXXX XXXX, Lastly : # 2 = First reported dates XXXX XXXX and XXXX XXXX. So, for 10 and 8 years I 've never known or been reported to having these XXXX accounts, hmmmm????, enough said. PLEASE HELP! 
*This last week ... NEVER hearing from American Express about these XXXX bogus debts beside their reporting to my credit I received the " attached '' collection notice regarding that first XXXX derogatory account and again, " I 've never heard from American Express '' about these XXXX bogus accounts. I 'm truly perplexed especially because I have so much personal positive history with my legit accounts.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. 
I noticed XXXX late payments on the account that I was in fact paid on time. 
for the month of XX/XX/2023 I paid on time and for the month of XX/XX/2023 it shows that I was XXXX  days past due and for the month of XX/XX/2023 I'm XXXX  days past due that's inaccurate. 

I've attached a copy of my report to this complaint on the following dates XX/XX/2023 and XX/XX/2023. 
I'm now requesting you to investigate and provide verifiable proof with records showing that I had late payments if this information can not be verified I demand these payments to be updated to paid on time immediately. 
Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/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: Debt collection

To Whom It May Concern : I am writing to contest an unfair charge from XXXX XXXX. Per page marked XXXX, XXXX asserts the opportunity to charge customers on the Internet Essentials program any figure, whenever they feel like charging it. I have circled two phases that relate to my complaint. The program I enrolled in " Internet Essentials '' is for people who receive community support in the form of school lunch program for children. The program offers internet at {$10.00} a month. It reads at the bottom of that same page that XXXX has the right to change the price at any time. For two months of service they charged me {$10.00} plus and extra {$150.00}. This resulted in a bill of {$320.00}. 

I did not agree to terms where I would be charged any price especially exorbinant prices with over a100 % mark up. If I had prior written notice, which XXXX asserts it does not have to supply, I would have cancelled/disconnected the service immediately. I did cancel after I received a bill for {$160.00}. By that time, I have received a second month 's charge of {$160.00} because of the billing cycle. I am willing to pay the {$20.00}, and the account is cancelled so no further charges are being incurred. 

I could never afford those prices. I have a XXXX year old with XXXX and I need to spend my money on providing for him. This unfair billing has been reported to a collection agency and credit reporting agencies. Please help me reduce this bill. XXXX does not respond to my attempts to reduce it. 

Thank you, XXXX XXXX