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

I paid off my loan on XX/XX/2023 via a bank transfer with an online representative because the website was unable to process my payment. The full amount was withdrawn the next day. I immediately called in to the title area of the company to request that they mail the title as soon as possible because I had a pending sale. They notified me that it would take XXXX business days for the title to ship after XXXX days of processing. They also had incorrectly indicated my car was titled in XXXX when it was in fact titled in XXXX. I then proceeded to receive a letter XXXX days later that my auto-pay on my loan was canceled, and then on XX/XX/XXXX received a copy of my loan contract as paid in full, but still had not received my title. On XX/XX/XXXX I then called in to stress that I needed my title, that the appropriate amount of time to wait - as promised by Wells Fargo on XX/XX/XXXX - had passed and that my private sale of my car was at jeopardy if they did not get me my title. On the XX/XX/XXXX call, the representative let me know that they were confused why my title hadn't been released, and that they still had not released my title. I let them know that if they didn't release my title and get it to me by Friday, XX/XX/XXXX, that I would incur financial harm because I wouldn't be able to complete the private sale I had arranged ( during that time, my XXXX offer had declined more than {$700.00} in value, and my private buyer needed to purchase it on XX/XX/XXXX ). I notified the Wells Fargo representative that I'd like a call back to confirm that my title had been sent, that I needed it sent overnight, and that if the title wasn't received by the XXXX I would file a complaint with the CFPB because of the financial harm that would be done by me not being able to complete the private sale. I still have not received my title, and have missed my opportunity to complete my private sale, leading me to now need to try to find another private sale opportunity which is likely to be for much less than the one I had before. I was never late on a single payment, communicated the urgency of the need to receive my title up front, and have been on the phone with Wells Fargo XXXX times to try to get this resolved. They promised to call back and never called back, and have still not sent me my title to my own property.
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 : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX  : XXXX :, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX  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: Checking or savings account

Hello, I need a corrected 1099-INT form for XXXX from Citibank. The following is what happened ; On XX/XX/XXXX I went into my local Citibank branch ( XXXX ) and I cashed an XXXX {$5000.00} Savings bond # XXXX that was issued XX/XX/XXXX. That Bond should have paid {$9800.00} with {$4800.00} in interest. The teller credited my account {$18000.00} with {$13000.00} in interest. I told the teller " that's a mistake '' but she told that's what the system says it's worth. A week later I got a call from Citibank saying a mistake was made and that they overpaid me {$8800.00} in interest and they would be withdrawing that amount from my account which they did on XX/XX/XXXX " but not to worry they would be sending me a correct 1099-INT for XXXX ''. Citibank did not send me the correct 1099-INT they sent me a form showing that I was paid the extra {$8800.00} which they deducted and I would have to report as income on my taxes. I immediately called the Citibank number on the 1099 Form XXXX and after explaining the situation to multiple representatives I was told by a supervisor that it was Treasury Direct 's mistake and I need to call them to correct it. I said that doesn't seem right but I called Treasury Direct and was told by a TD Supervisor it's Citibank 's responsability to send me a corrected 1099-INT. I called Citibank back and got the same line that it's Treasury Direct 's responsibility. I then went into my local branch on XX/XX/XXXX and spoke to the manager XXXX XXXX with all my paperwork which she copied and opened a Citbank investigation numbered XXXX and told me to wait 5-10 days. I called her after 10 days and was told they hadn't looked at my case yet. I told her I was having my taxes done XX/XX/XXXX before I leave the country and she said she would request they expedite it. I called back after another 5 days and they still hadn't looked at it so XXXX suggested I file an internal Citibank complaint which I did. 5 days later, no one will look at my case. I uploaded my incorrect 1099-INT to my accountant with an explanation yesterday and I called Citibank again XXXX They told me to once again to call Treasury Direct who told me Citibank is WRONG and to file a complaint with the CFPB. I've attached my documentation and I'm so thankful to have your agency to reach out to. Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite 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 CFPBs finding indicate that Zelle has not only neglected to protect consumers. It has also allowed repeat offenders to exploit the system, leaving user vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

American Express has not been helpful during this financial hardship period. I made numerous calls to the company only to be told they no longer own the account. The problem is I fell sick XXXX XXXX right before any mention of XXXX publicly and was still I'll for over a month. During this period Is when I started having financial difficulties because I was not working due to recovery. Although sick I still made a XXXX payment in full and XXXX partial payment in good faith, with the intention of paying the balance. XXXX XXXX XXXX I had to stop working again because of XXXX XXXX spread on XXXX XXXX, Nj. I was force to make a tough decision financially support my family with rent, food light XXXX 's pay credit cards. I recieved XXXX letter XX/XX/2020 stating that my account has been canceled due to ONE or more past due .... not 3 or 5 ONE or more ... ... I called the XXXX XXXX XXXX number only to be told deal with collections. A couple days later I received a letter dated XX/XX/2020 from a collections agency XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX. On XX/XX/XXXX, I read hed to XXXX and XXXX and spoke with a MR.Diaz extension # XXXX who told me I can pay them {$900.00} a month for 24 month. The problem here is that this during an pandemic and EVERYONE is going through financial hardship. I mentioned that to him and no other reasonable amount was offered. My complaint is that AMERICAN EXPRESS I believe did not show and compassion or sympathy during this COVID 19 pandemic crisis. I was not able to explain that I was ill do to the virus and have all my doctor documents including xray of my XXXX XXXX. And also have another letter stating I was quarantine from XXXX XXXX till XXXX and then again XXXX XXXX till present. I have not been worked since XX/XX/2020 since I started the quarantine. I have not received any stimulus check ... .unemployment or any other financial aid ... ... I owe American Express {$23000.00} I want to pay them .... that's what i owe them, all i want is for them to have giving me a fair chance to be able to continue paying them. But with a hardship program as they been advertising all over the internet. I fell I have not gotten that opportunity and I should due to my conditions. I was never made an offer via Mail ... or email ... ... is this practice lawful during an national emergency declaration made my the President of the United states? I have all documents for anyone who is willing to help me and take on this bully of American Express. They should be put to shame for how they treat us during this crisis. Again I'm not asking to wipe away any debt. I Only want them to allow me to enter into a Hardship program to help me get back on track on paying off my debt to them. I dont know who else to go to. I have a XXXXXXXX  and a XXXX year XXXX who I have ot stay home with because he has no daycare and here i am still fighting to want to continue to pay my Amex bill. Please help me. Again i have all available documents to support my claims.
Product: Debt collection

Prior to a doctor 's visit I contacted the doctors office to question if I would be charged for anything or would it be covered under my insurance. I was advised I would not be billed as it was fully covered by my insurance. After I received a bill I contact the office numerous times where they stated I consented to the charge and after XXXX requests I was still not provided any documents where I consented. They have now filed for a collection under my credit report. I have contact XXXX  and on a XXXX way call to the collection agency I was still not provided any proof of debt that I consented to. They continue to lien my credit and I have requested a supervisor from XXXX within the US 3 times. I still have not received a call back. I simply want proof I consented to the charge.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), there is a necessity to ensure that consumer reporting agencies carry out their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. XXXX and Experian are consumer reporting agencies, and I am the consumer. I have the right to ensure my private information is not shared, supported by 15 USC 6801, which states, " 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. '' The furnisher of information to credit agencies is considered a financial institution under this title.

15 USC 1681 section 604 ( a ) ( 2 ) states, " In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The furnisher of information to credit agencies, XXXX, and Experian do not have my consent to furnish this information, nor do they have my written consent. Any and all consent given to XXXX, Experian, or the furnisher of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is revoked. According to 15 USC 6802 ( b ) ( c ), " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to credit agencies never informed me of my right to exercise my nondisclosure option.

Additionally, 15 USC 1681C ( a ) ( 5 ) states, " Except as authorized under subsection ( b ), 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. '' This account is an adverse item being reported without my permission, which is against the law. According to 15 USC 1681s-2 ( A ) ( 1 ) ( A ), " 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. '' Furthermore, 15 USC 1681e states, " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and Experian are not maintaining reasonable procedures. Finally, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial XXXX and defamation of character along with 60 plus days of no response.
Product: Credit card

I have a secondary holder on my JC Penny card account and they will no longer allow her to pay the bill in stores on my account. She is XXXX years old and used to be able to take a cab to XXXX to pay the bill in person. They are now refusing to allow her to pay the bill although she was listed as the secondary card holder. She even asked to speak with a supervisor the last time and they still refused. This has now resulted in two recent late payments. One in XXXX and one this month. Why wont they take her money anymore? This is causing an undue hardship on her and me as it affects my credit as she is just a secondary holder on the card.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report XXXX XXXX XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX XXXX Balance {$25000.00} XXXX  XXXX Balance {$4300.00} XXXX  XXXX Balance {$3700.00} XXXX XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX XXXX Balance {$3700.00} XXXX XXXX XXXXXXXX Balance {$7400.00} XXXX XXXX XXXX XXXX Balance {$360.00} XXXX  XXXX Balance {$4300.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00}
Product: Debt collection

Johnson mark llc had won a default judgement to garnish wages and in doing so, they over garnished my wages by XXXX as well as were suppose to credit me XXXX that they over charged and made error in calculating. They also collected XXXX on a judgement that was awarded in amount of XXXX. They claimed the additional XXXX was interest accrued however, the judgement already included interest owed because the original debt was only XXXX. So, not only did they charge me interest twice but then they over garnished me on top of that and charged me XXXX for fees that were in error and never refunded to me either. I would like my money returned that was taken and charged wrongfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a collection account with LVNV Funding with XXXX XXXX XXXX for three months. This account is not a collection. It is under consolidation with XXXX XXXX XXXX LVNV is reporting I owe them {$5800.00}. This information is inaccurate and unsubstantiated. 

I request this entire tradeline to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these Inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Did not consent to unauthorized inquiry XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Did not consent to unauthorized inquiry XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

I placed an order for Isopropyl Alcohol on XX/XX/2020 through XXXX seller, XXXX  XXXX ( XXXX ). The seller charged {$26.00} for the alcohol plus tax and shipping ( total {$41.00} paid thru XXXX and placed on my Capital One credit card ). It was a gift for my sister who lives in XXXX, VT. I cancelled the order within a few hours because I found I could purchase the same item for {$2.00} at our local drug store and I determined that the seller was price gouging. The seller shipped it anyway. I contacted the seller through XXXX, XXXX and my credit card several times to resolve the issue and have submitted the requested documentation to the credit card company several times. I have documentation to prove that the package was refused by my sister and returned to the Seller through the US Postal Service ( The shipping method he used. ) In conversations with XXXX of Capital One on XX/XX/XXXX at XXXX XXXX. XXXX stated that the seller had a very weak case and there should be no problem in getting the charge reversed and that the seller had promised to reverse the alcohol cost ( {$26.00} ) but not the shipping. XXXX said if I could provide Documentation which showed that the package could be refused, Capital One would reverse the shipping charge also. The seller hasn't refunded the cost of the alcohol and Capital One electronic messages have stated that they need more information and closed the case. Capital One placed the charge back on my credit card on XX/XX/XXXX. 

I have all of the documentation that I can provide electronically
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a dispute with Transunion regarding the reporting of a bankruptcy on my credit file. The dispute was submitted on XX/XX/2018 and I was notified that it had to be processed manually. I have yet to receive any follow up within the 30 day window for this dispute. I understand that it may take additonal time and waited until the 45 day mark. It is a few days away from the 60 day mark which is unacceptable. Transunion should be very well aware how costly inaccurate items on consumer credit reports can be. I have attached the confirmation page I received from submitting the dispute on XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment arrangement with capital one auto and I ask the person if I make a payment arrangement will this report negative in my credit he advised it wont and unfortunately it did. The capital one employee agreed that he did tell me the info but I had to file a formal complaint which I did and they refused to remove the late mark because they stated a payment arrangement doesnt stop the late report on my credit which is unfair
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living Human being. I have rights under 15USC 1681 Equifax is govern by 15 USC 1681 And violated my rights numerous times. I demand the accounts listed below.be removed because According to 15 USC 1681 I have the right to privacy and i did not give Equifax written permission to furnish these accounts. 


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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 

I notified XXXX, XXXX and Equifax multiple times to reinvestigate these accounts and demanded removal of the account due to inaccuracies and fraud due to identity theft XXXX XXXX XXXX Account # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect and I did not authorize these companies to furnish my information The Fair Credit Reporting Act 15 USC 1681 section 602 A. States I have the right to privacy 5 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.

15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I reviewed my credit report, i notice that capital one has an late payment on my credit report XX/XX/2020. I write to the " person '' in regards to having that late payment removed from my report. Capital One return a response letter informing me that they were unable to remove the late payment. I contacted then on numerous time to speak with someone about my account but they would not assist me at all. I had inform them that congress tell us in 15USC1681a 2a1 that report containing information solely as to transactions or experiences between the consumer and the person making the report. Where does late payments come from? All I'm asking is for them to remove the late payment from my credit report and update my credit report, knowing that this is a congress law and I'm fighting for my consumer rights they are breaking the law and I would like them investigated. As a result I requesting for all negative items removes from my capital one account and mu credit report to updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Through poor security practices, Equifax exposed my personally identifiable information to malicious third parties in a massive data breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach ; very little was done to notify the public for nearly a month after the breach was detected, and I received no email, letter, or phone call explaining the situation ( and instead learned of it through social media ).
Product: Mortgage

Received notice that our escrow contribution was going to increase. We have more than the required 2 month minimum in the account, taking into account our XXXX Payment and XXXX Insurance Payment. 

Amount currently in Escrow {$1700.00} XX/XX/2022 contribution : {$440.00} XX/XX/2022 contribution : {$440.00} XXXX XXXX insurance payment {$1200.00} Amount in Escrow at the end of XXXX : {$1400.00} 2 month required minimum : {$890.00} We are being forced to increase our Escrow balance to {$2700.00}. Is this legal?