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

I have been a customer of Ally since 2015. Ally has incorrectly charged my account nearly {$1300.00} in late fees. I have contacted Customer Service on several occasions in an attempt to resolve this issue, but no one will assist me. Ally has refused to perform a comprehensive audit to justify the late fees. My payment is due on the XXXX of every month and the payment is paid no later than the XXXX in order to avoid late fees. Ally has suspended payments made online without a reason or justification. I am filing this complaint so that a full investigation can be done and the {$1300.00} is late fees are reversed as Ally applied these fees in error. I am XXXX years old and Ally has taken advantage of me by giving me the run around. Ally does not provide copies of all of the monthly statements online, so it is very difficult to track their accounting. I want a comprehensive audit done on my account and the late fees removed.
Product: Money transfer, virtual currency, or money service

A am writing to formally express my concerns regarding Zelles handling of disputes, Particularly in light of the recent cfpd 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 infeasible. The CFPDs findings indicate that Zelle has not only neglected to protect consumers but has 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 card

Misleading advertising that I received was not honored. The email which was associated with my XXXX XXXX XXXX Credit Card stated that I was pre-approved. Had not noticed the asterisk associated with the email which was deceitful.
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. 

DOE  XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$34000.00} DOE  XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$5500.00} DOE  XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
DOE  XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$6100.00}. 
DOE  XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$41000.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$14000.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$6400.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$210.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$41000.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$5100.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$25000.00}. 
DOE XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$38000.00}. 
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX XXXX  XXXX with account # XXXX and a balance of {$27.00}. The original creditor is XXXX XXXX. 
XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there. And some of them are reporting inaccurately and are fraudulent account.
Product: Mortgage

Nationstar Mortgage is forcing me into foreclosure. My husband passed away in XXXX of 2014, and we had a credit life policy with XXXX XXXX. After paying for the policy for 8 years, the lender cancelled the policy with no option to renew. My husband passed away two months later. Currently, Nationstar has, in its possession, more than a full monthly payment. I have attempted to make a payment in XXXX and XXXX, but Nationstar returned XXXX payments. At this point, Nationstar says I am XXXX payments behind, but if they would post the money they already have held in a suspense account, and they would 've accepted the XXXX payments I attempted to make in XXXX and XXXX, I would only be due for XXXX payments.
Product: Money transfer, virtual currency, or money service

My adult son had a Coinbase account. He died XX/XX/XXXX and I reached out to Coinbase on XX/XX/XXXX to begin the process of inheriting his account before the XXXX XXXX XXXX was completed. I created my account which I was told I had to do and sent them his death certificate. They verified they received it on XX/XX/XXXX and gave my request a case number- Case # XXXX. I let them know on XXXX that I was waiting the four months the court required to pass from the date I filed the small estate before any assets could be distributed. On XX/XX/XXXX they told me they were closing the case and it couldn't be reopened, not acknowledging the the message I sent days before explaining why it was taking so long. I contacted them again on XX/XX/XXXX to start the process over. The new case number is XXXX # XXXX. I sent them all the forms they requested by uploading them like they instructed : email addresses associated with my son 's and my account, death certificate, copy of my driver 's license, small estate affidavit and signed letter of instruction. They reply on XX/XX/XXXX by thanking me for uploading the documents and then ask for them again. I tell them I sent them all those forms and ask them to verify that they received them. They email me the same day saying that they haven't heard from me and will automatically resolve the case in XXXX hours.
Product: Credit reporting or other personal consumer reports

LVNV FUNDING LLC is reporting inaccurate information on my credit report. I have reached out to the company by phone and certified mail but they have yet to respond appropriately. 

There is a debt for XXXX XXXX which is {$140.00}. This debt is not mine. I have never lived at that location. I have been at my current address since XXXX. I have requested that XXXX XXXX validate the debt but have refused. 

The second debt is for XXXX XXXX ( XXXX ). The original credit have deleted this debt from my credit file because it was past 7 years. LVNV Funding has purchased the debt is is reporting inaccurate timeframes of the debt. This debt should not be on my credit profile. I have asked LVNV to delete this from my file but have also refused.
Product: Credit card

This is my second dispute with XXXX regarding this matter. I upgraded to a new card, and now DUPLICATE cards show the same balance. There should only be one card, and Navy Federal was attempting to delete the old card, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, because it is no longer in their system. 


THIS IS A LETTER GIVEN TO ME BY NAVY FEDERAL XX/XX/XXXX : The credit card ending in XXXX is the only active card for this account. The old card number ending in XXXX is not active anymore because XXXX XXXX submitted a product change from his old card to his new one being the XXXX Rewards card ending in XXXX. Card ending in XXXX can be removed from his report since it is the same account he just processed a product change.
Product: Student loan

With student loan forgiveness no longer in deferment, my first payment was due XX/XX/XXXX. Ive made repeated attempts to make the payment with Edfinancial, but they keep reversing the payments without any explanation. Here is the series of events : -On XX/XX/XXXX I made a payment of {$170.00} XXXX XX/XX/XXXX the payment was reversed -On XX/XX/XXXX I tried again to make the payment of {$170.00} XXXX XX/XX/XXXX {$170.00} was listed as a write-up -On XX/XX/XXXX I made a payment of {$370.00} because my account was saying I was past the due date -On XX/XX/XXXX the payment is reversed I just tried again to pay the {$370.00} my account is saying I owe, but am worried it will just be reversed again. There is no reason these payments should be reversed, it doesnt appear Edfinancial as even tried to take the money from my checking account. I tried to call Edfinancials customer service number on XX/XX/XXXX to get this problem sorted, but was put in a call back list by the automated system and am still waiting for a call back as of XX/XX/XXXX. What is going on? I just want make my payment. I read online that many other people have been experiencing this issue and it was recommended that I file a complaint with CFPB. Hopefully you can help me. Thanks!
Product: Mortgage

Server did not pay my escrow flood insurance when it was due. Now it is lapsed.
Product: Credit card or prepaid card

I was targeted for a promotion back in XXXX XX/XX/XXXX in conjunction with my XXXX XXXX XXXXXXXX XXXX XXXX ( now called XXXX   ) credit card, which offered me XXXX bonus XXXX XXXX points for each authorized user credit card added ( up to four ), given that each new authorized user spends at least {$1000.00} on the card within 3 months of opening. [ image of offer attached ]. I took advantage of this offer, setting up two new authorized user accounts on XX/XX/XXXX online via American Express ' website. The minimum spend requirements were completed for both new cards by the deadline indicated, but I only received one of the XXXX bonus point amounts into my XXXX account. The card which did not receive the bonus points was used by my wife to complete {$1000.00} in spending from the dates of XX/XX/XXXX thru XX/XX/XXXX. [ transaction list with dates attached ]. I contacted XXXX customer service on XX/XX/XXXX to remedy the situation, of which they stated they saw the spend was there and would start " an investigation '' into why I did not receive the points and it would take 6-8 weeks but to call back before then. After hearing nothing, I called again on XX/XX/XXXX to be told they saw that everything looked correct but they needed two more weeks to continue looking into it. After again hearing nothing, I called on XX/XX/XXXX, and after being placed on hold multiple times, them being surprised why I didn't get the bonus points as it looked like I should have received them, ( and being on the phone over 37 minutes ), they apologized for the trouble and said they would credit my XXXX account with the XXXX points. I thanked them and asked when it should show up and they said within 72 hours. It has now been 15 days and still the XXXX points have not shown up in my XXXX  account.
Product: Debt collection

this collection company has put this allaged debt on my consumer file without provideing and validion that i owe them any such amount futhermor under FDCRA laws 15 usc 1682 g no valadion that i even did business with this company this is not a verifaction request this is you have violted my consumer rights by obtaining my personal information without my consent futhermor 12 ufc 1006 this is agaist the law and my consumer rights and must be deleted from all bureaus now
Product: Debt collection

Over the past 2 weeks, I have been receiving excessive amounts of telephone calls from the company listed in this complaint. The calls occur between XXXX XXXX and XXXX XXXX to my cell and at my job. The company does not have the right to harass me at work and I want this to stop. It is extremely distracting to be told 5 times a day that I have a call from this collection agency while at work.
Product: Debt collection

Repeated phone calls from phone number XXXX to my cell phone. I looked the number up and it is tied to a company called Advanced Portfolio Group. Today the started calling my ex husband and son. They have received calls and/or voice mails from the same number/company. They asked them about my location or something of that nature. That is all the information they would tell them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX REPORTING 30 DAY LATE ON ACCOUNT THAT ONLY CHANGED STATUS, FROM DEFERMENT TO FOREBEARANCE, INACCURATE ACCOUNT STATUS. LOAN WAS NOT 30DAYS LATE. ACCOUNT STATUS CHANGED. I FILLED OUT MULTIPLE FORMS, MADE SEVERAL PHONE CALLS, INFORMATION IS STILL REPORTING INCORRECTLY.
Product: Debt collection

XX/XX/XXXX - Contacted Transworld systems prior to debt showing up on my credit file, I let them know debt was invalid. I followed up because the correspondence said I must respond within 30 business days or debt would appear on credit file. I called - Company stated they would contact the issuer of debt and place a dispute in regards to a debt of XXXX $ which showed on my credit file for XXXX XXXX  XXXX XXXX. 

XX/XX/XXXX- After waiting 30 days with no response, I called back company said they were still working on it and not to worry wont be on credit file, while disputing. 

XX/XX/XXXX- debt appears on credit file- I was was trying to rent a home. This prevented me from renting home of my choice. 

Contacted the company - company stated a representative accidentally put it on credit file I sent second dispute letter XX/XX/XXXX requesting removal from credit file. 
Followed up : XX/XX/XXXX. 
Company Stated : didnt receive dispute. 

I sent third dispute letter XX/XX/XXXX Followed up : XX/XX/XXXX. 
Company Stated : dispute was received. 

Contacted company - XXXX to check status of dispute, because I had not received a letter in mail or any followup in regard to debt validation. 

Company stated : dispute not received - However my credit report stated account disputed by consumer meets FCRA guidelines Contacted company today XX/XX/XXXX to check status rep is now saying no dispute on file. After last rep stated dispute received. This company is giving me the run around and has not after almost a year responded to any of my concerns. My credit score is declining because of this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Letter dated XX/XX/2022, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No nancial institution is suppose to share my information to third party people, much of this information was also mistaken, fraudulent or perhaps even possible identity theft. These are clear violations of my federally protected consumer rights.
Product: Payday loan

I am not XXXX sure of entire issue because company asks for the last XXXX of my SSN, which I do n't feel comfortable giving. My spouse looked up the number and saw that it belongs to STL ( short term loans ). I had a loan from a company with this name many years ago. However, it could be from a different company because they are all considered STLs. I started getting calls to my cell and house number ( unlisted ) from XXXX XXXX XXXX XXXX. My mother and sister have also been getting phone calls from this number. The rep asks for me by my maiden name. I tell them I do n't feel comfortable giving them the last XXXX of my social. They talk about an unpaid debt. I explained to them multiple times that I paid all of my loans and if I did n't it would be reported to check systems and I would not be able to take out another XXXX. I also told them that the loan place likely " went under '' and sold them my info without providing them with the details about my account being paid in full. The rep acts as though they are understanding and say they are making a note of everything, but they continue to call several times a day every so many days. I told them they can send me info through the mail, but that I would not double pay for something that was already paid in full. I also told the rep that this was harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was extremely disappointed this morning when I checked my credit report and I saw that I have a bankruptcy showing on my credit report. This is so embarrassing, and I am so ashamed I do not think this is something that should be shared with the public
Product: Checking or savings account

I was scammed and the bank is holding my pension checks hostage for 21 days. I need these to live on. They say it takes 21 days to get my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter back on XX/XX/2018 asking them to correct the misleading and incorrect information. They never responded to me at all.
Product: Credit card or prepaid card

Capital One p osted a late payment on my credit report against FCRA rules. My payment due date was  XXXX   XXXX  ( {$67.00}  )  and I made my payment  XXXX   XXXX  ( {$100.00}  ). Technically,  from my understanding of the law, as long as I make a payment before  XXXX   XXXX  a creditor can not charge me with a late payment. Late payments occur if no money is received 30 days after the due date.   Capital One posted a late payment on my credit report for not making a payment 5 days after the due date. Please review this with Capital One as I feel this is excessive and that I should not be charged late for this.
I contacted Capital One   and spoke with the rep,  XXXX . She filed a formal dispute and informed me it could  be 10days that a rep from Capital One would contact me and that the bureaus may take 30-60days to po ssibly remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised and someone tried to use my personal information to request new credit and submit credit applications. It does look like the accounts were open, however, the fradulent inquiries are showing on my report. I tried to dispute it XXXX and they did not even investigate the issue. 

Here are the companies that I did not request credit and are fraudulent inquiries : XXXX : XXXX XXXX XXXX XXXX submitted on XX/XX/XXXX on XXXX XXXX XXXX XXXX  XX/XX/XXXX on XXXX TransUnion XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX on TransUnion XXXX XXXX on XX/XX/XXXX and XX/XX/XXXXXXXX XXXX
Product: Mortgage

XXXX for years has reported a foreclosure that I had from Chase Mortgage ( JPMC ).  As of the credit report dated XX/XX/XXXX it showed the foreclosure from XX/XX/XXXX. This is factual. On XX/XX/XXXX it suddenly reappeared as a late payment for XX/XX/XXXX as well as a foreclosure. I have paid for this negative issue since XXXX and now my credit report looks like I'm paying for it once again - essentially double dipping/double jeopardy if you will. My score dropped 60 points in a minute. I have documentation of the court docs showing the foreclosure from XXXX. Additionally, XXXX has this account listed twice. One as paying late under Chase Mortgage XXXX true ) and another under JPMCM showing the foreclosure ( true ). The account on XXXX looks like two different negative reports. I have gone through the dispute process and have gotten nowhere. Basically Chase bank is re-reporting my foreclosure from XX/XX/XXXX in XX/XX/XXXX. XXXX tells me it's Chase doing this.
Product: Checking or savings account

My Husband was a victim of identity theft, there were multiple fraudulent checks totaling {$4400.00} written under his name, taken to the bank to be cashed against the account in some transactions the perpetrator deposited money from the check and withdrew from the account. these transactions were made in different bank of America branches none of this transactions were made my my husband or myself. the incidents were reported to bank of america, claims were submitted and I was told that a fraud  specialist  was going to contact me but no one ever did. I was told these claims could take from 30-60 to be solved I waited and gave them enough time to do their investigation. after over 60 days and numerous phone calls I told by one of the representatives on  XXXX   XXXX ,   XXXX   that according to the notes from the fraud annalist the claims had been denied and bank of america is not going to replace the money. as far as know the money in in the bank is insured by the FDIC. none of these transactions were made by us and the money should be replaced. the bank should make an investigation and pull the cameras from the branches where the transactions took place and they will see is not my husband who made the transactions. I filed a police report, and an identity theft report with the federal trade commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

After I enter my personal information, i get a denial to access my yearly credit report with any agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been fighting XXXX XXXX credit card that I didn't open that continues to report on my credit report. It's reporting on my record as charged off of sold to another company after our being already removed only to be replaced after a year! I put in the last request for is to be validated on the XXXX of XXXX for them to tell me that XXXX told them the information was correct. I contacted XXXX and they told me that the credit card company told them the information was correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX Equifax : XXXX XXXX XXXX, XXXX, GA XXXX RE : REQUEST TO UPDATE CREDIT REPORT, PLEASE RUSH LOAN PENDING To Whom It May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove ALL comments & disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed to begin with or are no longer in dispute. 

I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXXXXXX Once again this is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period you are allowed for disputes. 

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

XXXX XXXX XXXX  is reporting Inaccurate last payment dates. Experian is reporting my last payment date as XXXX XXXX. XXXX has no last payment date at all. XXXX has no last payment date. Without identical identifying dates of my last payment made, there is no way to correctly determine the fall off date. This is a violation and prohibited by law.