23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to dispute the presence of inaccurate late payments on my credit report, as listed in the report provided by your bureau. I have carefully reviewed my credit report, and I have identified inconsistencies regarding late payments that I believe are erroneous and require correction. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history I have always been committed to maintaining a positive credit history, and I can confirm that all payments for the aforementioned account were made on time. I have maintained a responsible and timely payment history with the creditor, and there is no basis for the reported late payments on my credit report.
Product: Debt collection

Received a debt collection notice for a name close to mine but incorrect middle name from National Credit Systems , Inc claiming that I have a {$500.00} debt. They are claiming that I would only have to pay {$250.00} to clear the debt. I believe this collection notice to totally be in error. I have never done business with the company that they list. When I XXXX this Collection Company I found that there are numerous complaints online against them, including being rude on the phone and having erroneous information. This is why instead of calling the company I would try to make things easier and file a complaint here.
Product: Credit reporting or other personal consumer reports

Company has refused to comply with federal law and consumer laws violating my rights as a consumer. The company has violated my privacy rights under The Privacy Act of 1974. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). Congress advises any of my private information is not for public. The reporting agency is a non governmental entity, meaning Eye must give you consent to report the account to my consumer report. According to 15 U.S. code 6801, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information,15 U. S. code 6802 follows by adding that, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice. XXXX XXXX XXXX is a nonaffiliated third-party, therefore they do not have permission to report to my consumer report. There is no contractual agreement of obligation to this debt collection agency for any amount. 15 U.S. code 6802 ( 1 ) also follows to insure the security and confidentiality of customer records and information. XXXX XXXX XXXX  was provided information illegally from XXXX XXXX, which according to XXXX and their privacy policy advises XXXX XXXX will not disclose my information to third parties and other inquirers without my consent. I have never given XXXX XXXX consent to disclose my information with XXXX XXXX XXXX ( a third-party ). According to XXXX, A third party is a person or entity that has no contractual relationship with XXXX XXXX to perform services or act on behalf of XXXX. According to, 15 U.S. code 6802b, there must be 3 disclosures first before any of my information can be exchanged regarding an account and Eye must first agree to having the information of the reported account disclosed to the public. Eye have not agreed to having this account disclosed. Therefore XXXX XXXX XXXX must be removed from my Consumer report and XXXX, Equifax and XXXX a non-affiliated, ( Third party ) of XXXX and XXXX XXXX XXXX must delete the collection account from my consumer report. The collection account with, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB complaint, XXXX XXXX XXXX through XXXX. All reporting agencies XXXX, Equifax and XXXX has continued in their efforts to disregard my consumer rights, violating federal law and privacy rights under The privacy Act of 1974. It is imperative that this matter is resolved immediately and the Collection account is removed.
Product: Debt collection

Paid more then I owe, now they want to collect interest, Experience credit bureaus not doing their job, will not put your dispute in to the company, say call them yourself, why is experience ever still open if they dont take depute its more about how experience held deputes never send to the companies
Product: Checking or savings account

I deposited a check in my Wells Fargo checking account on XXXX XXXX. The check came from my checking account at XXXX. After completing the deposit, I received a message from Wells Fargo that XXXX funds would be held for up to 10 days. The funds were withdrawn from my XXXX account on XXXX XXXX. 

There is no reason for Wells Fargo to hold on my money for so long. This will probably trigger some additional overdrawn fees on my account. I was going to pay down my credit card balance. I was going to pay several bills, but this delay to access my funds means more late charges. 

I would like Wells Fargo to release my funds to me immediately.
Product: Vehicle loan or lease

Hi, First off just wanted to thank you for reading this and I hope you can help me.
The problem is n't exactly as stated. I have a title problem, but the problem is about transferring jurisdiction not about receiving the title at the end of the payoff period. I still have 6 or 7 months on the loan. In XX/XX/XXXX I  moved to XXXX from XXXX. The XXXX DMV requires that they reissue the title for the car prior to registering.
I called TD Auto Finance, my lender regarding how I should do it. They recommended that I send in the form requesting the title be send to the XXXX DMV, but wanted me to switch my insurance to my new address first. I did that. On XX/XX/XXXX I talked with them on the phone after moving my insurance. They looked at this link ( below ) and reviewed the form and agreed to help. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The title was not sent. They called me back a week later asking for the form. I mailed it in. They called me back after about another week accusing me of stealing my own car. They realized their mistake and said they would help me register my car. At the beginning of XX/XX/XXXX the XXXX in XXXX cancelled my registration as they had been notified by my insurance and lien holder i had moved.
After sending in the form by mail another time, trying to fax it to them 2 more times, writing 4 emails of progressive frustration, and 2 more calls ; I am now paying for a car for the last 2 months that I can not drive as its not registered in any state.
TD has sent me the wrong tracking number at least once and there is no line of sight to resolving this issue.
Please help. All they needed to was send the title. Instead, now I both need that to be done as well as get some relief for not being able to drive the car I pay for 2 months.
thanks, XXXX
Product: Student loan

Dear CFPB, From XXXX to XXXX, my Federal student loans were serviced by Navient. During that time, Navient strongly suggested repayment options to which I agreed. My student loan principals never decreased. Navient greatly misled me wherein I have paid much more on my student loans that I should have. In XX/XX/XXXX, Navient emailed me that my loans were now with XXXX. The principal amount is unchanged. I feel that for year Navient wrongfully managed my account and misled me to repayment options and the financial consequences to me. I am XXXX years old now and I'm still paying for my student loans. 

I would greatly appreciate your help. 
Many thanks for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unknown names and information on my credit report, The accounts that are unknown to me I will list them below, I have inaccurate employment information its keeping me from getting a job and housing. The utilization amounts are incorrect. I would like a review of this information. 
XXXX and XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ( CLOSED )
Product: Mortgage

Recently on my credit report I see a record for " Caliber Home Loans ''. The credit item shows a status of " Derogatory ''. I have called the number XXXX listed on my report for this company. I get a representative who asks my name and when they try to verify my address I explain I have never done business with them. the Rep will hang up on me. I have researched this company name and at one time it was called " Vericrest ''. Four years ago I had a mortgage with Vericrest Financial but sold my home for a profit. This company is reporting a derogatory item on my report when I have never done business with Caliber homes. The Vericrest Mortgage was closed four years ago as a sale. No foreclosure, a sale for profit. Each time I call Caliber as soon as I provide my name they hang up on me. I want this company to remove and stop reporting bogus info about me to the credit bureau.
Product: Credit card

I received a letter from FNBO on XX/XX/year>, informing me that my credit card limit has been decreased to {$1400.00}. The reasons for the decrease were based on the information reported by the XXXX consumer reporting agency : my XXXX XXXX of XXXX, the number of accounts with delinquency, the length of time of revolving accounts, and loan balances to loan amounts too high. 

I pulled my credit report from XXXX on XX/XX/year>, and it reports : that my XXXX XXXX is XXXX ; ten open accounts, never late ; one loan versus loans, never late ; oldest account 20 years, seven months. The information reported on the credit report I downloaded conflicts with the information reported in the letter received from FNBO. 

Since I've had the BP credit card, I have never been late with the payment. Additionally, the decrease in the credit limit will put me over the credit card limit when the interest is applied monthly, causing unnecessary financial strain and further harming my credit. 

I've attached my credit report from XXXX dated XX/XX/year>. 

Thank you.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 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 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 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

the thing is my boyfriend died and he has no living relatives I am his girlfriend. I am not responsible for his credit cards. I try to tell the Harley-Davidson company for the XXXX XXXX  card that he is deceased and dead and they still keep calling me and sending me bills to pay up. I told them he died XX/XX/2020 they can look into the coroner 's office in Texas. My name is not on this credit card and I will not pay for it. 
Name of the company is XXXX XXXX  Harley-Davidson Visa. The account is under XXXX XXXX. He passed away XX/XX/2020. I have sent the company knows I'll talk to people on the phone telling him that he has deceased. I will not be harassed. The amount of the bill is {$540.00}
Product: Credit card or prepaid card

On XXXX/XXXX and XX/XX/XXXX someone went into the Home Depot store in New York and New Jersey with and used a fraudulent license to make charges on my account. They did not have my credit card so they allowed them to use this license to charge on both occasions. The totals were : XX/XX/XXXX {$370.00} XX/XX/XXXX {$550.00} When I received my statement in XXXX I called immediately to alert them these were fraudulent charges. I also told them I called in a fraud alert to the credit bureau. They said they would open a claim. I still kept getting a bill so I called and they said they denied the claim. I told them how could you deny this is fraud. I had to maintain the minimum payment or I would be reported to the credit bureau. She refiled the claim again. They only removed the charges from XX/XX/XXXX. So I filed again and they denied it once again. This has been going on since XXXX they just keep giving me the run around. I still have a bill for {$520.00} and they are today they are claiming they dont know why the investigator keeps denying it. I once again have to pay the minimum or risk being reported. Can someone please help they are trying to make me responsible for fraudulent charges despite everything I have told them and I dont even live in that state. She asked for my license so they could compare. I thought this was strange because unless they made a photocopy of their license at the register how could they compare??? I also reported to them that Im XXXX someone tried to open 7 credit cards in my name and make charges. No other company allowed the charges to go through. They all removed the credit inquiries from my credit report. This is the only company that has been horrible to work with and makes their customers responsible for fraud. They also told me the Home Dept card is run by CitiBank
Product: Credit card

I tried to purchase an item on the XXXX website with my Citi credit card but it was repeatedly denied. I called XXXX  customer service and they tried to assist me with the purchase but the Citi credit card was denied again. 

I then called the contact customer service number on the back of my Citi credit card to ask why my card was being refused for this purchase. I received a robot automated message at the customer service number and when I requested a representative the robot went through a list of issues which did not apply to my situation. I kept repeating representative and the robot would give me another list of issues which were not relevant. I needed to purchase XXXX  for my dog thus it was important to resolve the issue quickly. 

Since I never carry a balance, pay my statement monthly, had a small amount charged to the card and had not received a notice of any kind informing me there was a security issue with my card, I couldn't understand why the card was being denied. 

I was extremely frustrated at not being able to contact a representative at the Citi customer service number so followed up with an email to XXXX XXXX, the Citi President, XXXX XXXX Chief Administrative Officer, XXXX XXXX Chief of Staff to CEO, XXXX XXXX, Senior Vice President XXXX XXXX XXXX, explaining the situation and asked for assistance asap since I needed to purchase the medication for my dog. 

I received an automated email from Citi Executive Response Unit informing me they were investigating the issue and would provide a response within 15 days which I forwarded to the above mentioned individuals asking if they felt this was an appropriate way to respond to a customer needing a prompt resolution. They did not respond and never respond to email inquiries. 

Customers having an issue with a credit card purchase must be able to reach a representative when they call the number listed on the back of the credit card. They must be able to speak with a representative who can actually research the issue and explain why the card is being denied. Citi has a responsibility to provide this for card holders. 

In the past when I have been able to reach a person, they were based in a foreign country, spoke broken English and had a poor understanding of the issue. Citi does not value customers, does not provide proper customer service when needed and makes biased decisions against the customer when a claim is filed against a company for defective products or inferior service even when photos are provided which prove the items received are defective. They always rule in favor of the company allowing charges to be made for damaged products despite visual proof. 

I have been able to resolve the card issue with a XXXX  supervisor but what if I were trying to purchase XXXX  for myself or there was another emergency and I needed to place a charge on the card but could not. Cardholders are literally left out in the cold with no assistance available. I listened to list of 15 choices from a robot, none of which were appropriate for my issue. I needed to speak with a person who could actually help me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Dispite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

There are late payment errors on my credit report that dont align with my normal habits. Correct these and update my report.
Product: Credit reporting or other personal consumer reports

n accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX. 15 USC 1681Section, 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate.
Product: Debt collection

On my credit report it shows that i have a charge off on a closed installment account that was settled in Superior court. My ex spouse was to take over any obligatiomn or financial responsibility of these auto accounts. I have the order attatcheted. My divorce was finalized in XXXX and everything was divied up. 
Also this account is past the limitations of reporting. 
In XXXX i recieved settlement payment from XXXX in result of a class action lawsuit. I was unfortunatly one of their many victims of unfair trade practices and credit reporting as well as many other tactics used by XXXX and their offiliate capital one auto finance company by adding a fee through their online portal and not charging to the account. in the suit it states that XXXX must remove this from my credit file to be in alliance with said order.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted/disputed Tranunion about incorrect Personal Information on  my credit report with them. They have done NOTHING to correct my report. 
They listed phone numbers that were never mine ( several of them ) and I told them one of the addresses listed was never a Valid or Correct address. 
I have only had one phone number the last 10 ( Ten ) years ( the XXXX number ). I am a Widow with NO OTHER TELEPHONE NUMBERS. 
They will not correct the information. 
ALSO, I have PAID/SETTLED with an Acct ( XXXX XXXX ) but they wont remove it. 
I am so very frustrated!
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT AND DO NOT BELONG TO ME THESE ACCOUNTS WAS OPEN FRAUDULENTLY SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THEM I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Mortgage

XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX XXXX ATTORNEYS FOR PLAINTIFF XXXX XXXX, XXXX. 
STATE BAR NUMBER : XXXX The above mentioned law firm filed for final judgement XX/XX/2021 during the the mortgage foreclosure moratorium which is still in effect. 

We are currently residing in our property, and dealing with ongoing effects of the COVID-19 pandemic.