23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Sending and/or receiving money through Zelle is confusing. A friend sent money to me via Zelle that I wouldnt have known about had my friend not told me he sent it. I thought that was strange because I have Zelle through my XXXX XXXX  app and Im a registered user. I had to register in order to receive the money. Since I was already a Zelle user, it should have gone straight to my account, or at least received some kind of notification that it was there. When you send money Zelle tells you to confirm youre sending it to the correct person. How can you confirm its the right person with no way to verify? They dont ask you to confirm with the persons last XXXX digits of their phone number or some way to actually confirm its the correct account. I rarely use Zelle because it doesnt seem secure which is unsettling considering its connected to your bank account.
Product: Vehicle loan or lease

On XX/XX/XXXX ally financial deposited my final payment of {$9800.00} for the buyout of the lease for a XXXX XXXX XXXX XXXX. The check cleared my bank account Ally stopped all communication with me. I have attached documentation showing the buyout amount and cancelled check. Since they cashed the check I assumed the buyout was complete and I had no further obligation for the loan. 

Fast forward to XX/XX/XXXX ( a year and a half later ) I am wanting to purchase a home and my lender checked my credit. You can imagine my utter disbelief that not only did Ally fail to report a {$0.00} balance to the bureaus, but they also placed the account in Chargeoff status! Therefore, I was not able to qualify for the loan due to my scores being negatively impacted, as well as the debt being added to my XXXX. 

I immediately called Ally and provided proof that they did receive and deposit a check for the amount of {$9800.00}. At this point I was asked to call back in XXXX hours. 

On XX/XX/XXXX I called back and was advised it was still being reviewed. 

Finally, on XX/XX/XXXX, after spending hours on the phone speaking with multiple people and proving to them that they received and cashed the check sent over a year prior, I was informed that Ally was returning the {$9800.00} to me.XXXX  They provided NO explanation as to why or how this erroneous error occurred, and even more frustrating : UNWILLING to fix the issue. I was told to contact the dealership. 

Today, XX/XX/XXXX I contacted XXXX XXXX, the collections company used by Ally Financial, and spoke with a representative and a manager. Even though this account has been reported as Chargeoff with the bureaus, they have no record of my account. I find it incredulous that over a year after my account was placed erroneously placed in Chargeoff status, the collections company has no record of this.

Ally Financial initially violated the FCRA when they accepted my payment and failed to accurately report the account status to the 3 major bureaus. They further violated the Act by reporting false and derogatory information.

Ally Financial also violated the FDCPA when they failed to inform me that my account was reported as delinquent/chargeoff. From XX/XX/XXXX until I contacted them late last month, I have received XXXX communication from them.
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. 
XXXX Account ( s ), has violated my rights. ( listed below ) XXXX XXXX account # XXXX XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in the report prevents me from achieving the desired results. 
I am kindly requesting your agency to remove this collection from my credit report as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me. 

NATIONAL CREDIT ADJUSTERS Account number : XXXX
Product: Debt collection

They call me constantly under many different phone numbers and do not identify themselves. I will try to get to get details to verify, but will not tell me any account numbers, nor told me their names or itemized bills or any mailing information.
Product: Checking or savings account

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible The accounts are below 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

I am writting this letter because there is wrong information on my consumer report. 
The payment for XX/XX/22 is incorrect. Account : XXXX XXXX XXXX ( XXXX  ) 15 U.S. CODE 1666B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit card or prepaid card

I am unable to log in to my account or reset my password via the website. Customer service is unable to reset my password for me so that I may regain computer access to the account. Their customer service keeps telling me their contacting their engineering department with no avail. 

XX/XX/2021 SoFi Response : " I wanted to follow up with you in regards to your access to your profile. After reviewing your account our engineering department was able to see a login to your account today. If possible can you confirm if you were able to access your SoFi.com profile? We just want to make sure we provide the proper assistance to you with gaining access to your account. '' XX/XX/2021 : My response is the following : " I can access my account via the XXXX application. I can not access my account via the website because I don't remember my password nor can I reset my password because I never get the password reset emails. '' XX/XX/2021 SoFi Response : " My name is XXXX and I work closely with XXXX who is currently out of the office. I would like to thank you for providing this information to us. At this time I will advise our engineering team of these issues again. I will also contact XXXX to have her follow up when we have more information. Thank you again. '' XX/XX/2021 SoFi Response : " After looking into your account it seems we do not have an update at this time. I do apologize for the inconvenience this has caused you. Unfortunately, there is no ETA on when this will be resolved. I have contacted XXXX and engineering to see if we can have an update soon. Thank you for your patience. '' XX/XX/2021 SoFi Response : " I completely understand the frustration at this time. Unfortunately, there are no updates for this issue. I have contacted the engineering team and XXXX to follow up with you when there is an update. I do regret this information as a Manager would be advising the same information. '' XX/XX/2021 SoFi Response : " After further review, we are seeing that you're successfully logging into your SoFi account. Please make sure you are not attempting to log into your SoFi/XXXX account as that is different. You would need to contact XXXX regarding that issue. Please send me a full screenshot, including the URL bar to confirm this. '' XX/XX/2021 SoFi Response : " I have contacted our engineering team again regarding this information. I do apologize for the inconvenience, they just need more information. I have unlocked your account as I see the account is locked and have sent you a reset password link. Please let me know if you have not received that link. ''
Product: Debt collection

This company Wakefield & Associates which I hold no CONTRACT with nor have received services from reported a credit account against my SSN in the amount of XXXX and XXXX with XXXX, XXXX, and XXXX credit reporting agencies. I requested VALIDATION under the fair credit reporting act and verification of debt however the company failed to provide adequate proof of my identity or validate debt. The account was not placed in dispute on my credit report while under investigation. The debt was not validated within 30 days, as after 30 days without debt validation account to be deleted. considering this business does not have a contract with me for goods nor services they have provided adequate proof of application and identity or proof i am not obligated to pay for the alleged debt. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability & Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

* Please provide breakdown of fees including any collection costs and medical charges. 
* Provide a copy of my signature with the provider of service to release my medical information to you. 
* Cease any credit bureau reporting until the debt has been validated by me.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportingS with XXXX, XXXX, and XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. The following accounts do not belong to me and should be removed from my credit file, AUTOTRAKK Account Number XXXX XXXX is reporting an open date of XX/XX/2018, XXXX and XXXX have an open date of XX/XX/2018. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX and XXXX considered to be furnishers? These accounts do not belong to me and XXXX, XXXX and XXXX have failed to plead their case to who has provided them with this false information and/or provide method of validation of these inaccurate accounts reporting on my credit file. Please help me to get this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized account ownership of a store credit card. I was helping a friend out with car problems and he didn't have the money to pay for new tires. I agreed to be an authorized signer for a discount tire store credit card. Not an owner of any sort because I didn't want it to be part of my credit. I was deceived and misinformed by the employee of discount tire, he said I wouldnt be an owner or liable of the account if they use me as an authorized signer to help my friend get approved. I signed not knowing what I was signing because I was young and they made it seem I wouldnt be affected at all. This took place around XX/XX/2016 at the discount tire store on XXXX XXXX XXXX, XXXX, AZ. Ever since Ive been trying to get this corrected and off my report and nothing has changed when it was never authorized. It says I am the sole owner of the account which I never agreed to be an owner but it doesn't report on my friend at all when he signed paperwork in front of me to be the sole owner of the account and it shows up in my name? I feel mistreated and abused by discount tire for putting  something in my name only when we both signed the paperwork but I only signed as an authorized user to help his approval odds.
Product: Credit reporting or other personal consumer reports

This company has illegally placed a fraudulent collection on my consumer report without following the law according to the FCRA. The FCRA says a collection must send a 5 day notice before a collection is placed on a consumer 's credit report. I intend to sue this company if this collection company if this is not deleted from my XXXX XXXX XXXX XXXX report immediately. I was denied for {$350000.00} home loan, my lawyer said this falls under financial damages. Deleted this immediately or I will have my lawyer take action right away.
Product: Credit reporting or other personal consumer reports

This serves as your FINAL NOTICE regarding the inaccurate and misleading information that continues to persist in my credit profile, despite previous disputes and requests for verification. You are now in direct violation of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ), 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), and 15 U.S. Code 1692k ( Civil Liability for Violation of Debt Collection Practices ), your ongoing failure to provide accurate and verifiable data, and your negligence in updating my credit report, exposes you to legal liabilities.

Disputed Information Must Be Resolved : You are reporting items that violate FCRA and FDCPA requirements. Under the law, you have failed to : Maintain procedures that ensure the maximum possible accuracy of my credit report. 
Provide written results of your reinvestigation within the XXXX-day timeframe required by FCRA 15 U.S.C. 1681i ( 6 ).

Properly correct billing errors as per TILA, 15 U.S. Code 1666 ( b ). Late payments marked inaccurately must be updated to reflect " paid on time. ''
Product: Debt collection

Got a letter from Security Credit Services , LLC to collect on an account that I did not know even existed. Apparently a company called XXXX XXXX opened an account in my name sometime 2017 with stolen personal information and credit card. 

I sent a letter regarding more information as I suspect this a 100 % a ID/Credit theft but they did not give me any response. 

My credit reports all show a rating of excellent with an absolutely perfect history. XXXX XXXX or Security credit services , LLC has yet to give me any information or evidence on this money I owe. I have never shopped at XXXX in 2017 or any year for that matter nor did I have ever used a/ANY loan service at " XXXX. '' This is a ID/Credit scam they have gotten from me and I want to get this out of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I like to file a dispute for the following accounts. XX/XX/XXXX XXXX {$3700.00}, XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXXXXXX {$12000.00}, XXXX XXXX XXXX {$2200.00}. These accounts are all fraudulent accounts. I have reached out to these creditors inquiring about these accounts and have asked them to provide me information on when these accounts were open, how they open, what address and what type of information was used to open these accounts. These creditors stated either they have to find the information or they could not provide that information as some of these items are old. I have never opened up any accounts with these creditors and I believe these accounts were opened up fraudulently in my name. I have filed an Identity Theft FTC Report. The report number is XXXX for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regards to a continuing issue with XXXX XXXX XXXX that I have tried to work out a solution for 3 years. I have made several calls about this matter and providing emails to support my statements. I called XX/XX/XXXX to come pick up the car, that I had went into the United States XXXX, was having some issues with the car and could not afford to keep it. I was sent a form, faxed it back and they would call me with an appointment to come pick up the car. Never heard anything till a couple of weeks I called back again to make an appt. He said someone would come the following Wednesday between XXXX  and XXXX and we verified. No show again. This goes on for about a month with no shows. Finally XXXX, XXXX we call and speak with XXXX XXXX , resend him the form again ( email provided ). He is going to call us back and schedule an appt. NEVER hear from him again. XX/XX/XXXX my mother contacts XXXX again about picking up the car with no response. ( email provide ) I tried everything working with them with no prevail. I did not want the embarrassment of them coming into my mothers yard in the middle of the night and scaring her when we were willing to schedule an appointment and meet with them. Meanwhile she is paying insurance and taxes on the car. We also called the local XXXX dealer and they would not take the car. Finally on XX/XX/XXXX my mother, which has my POA and is authorized on this account contacted XXXX again about coming to pick up the car. Telling them that if they do not come pick it up she is charging {$20.00} per day. ( email provided ) As of today 's date that is {$7900.00} XXXX owes. We have done all we know to get this matter resolved early on, this is penalizing me credit-wise. The information XXXX is providing is inaccurate to all three bureaus. I have also provide inaccurate billing statement provided by XXXX that are inconsistent with your credit reporting and XXXX  previous response. ( email provided ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX, Equifax and XXXX, credit reporting agency, I have paid off XXXX XXXX - account number - XXXX XXXX XXXX XXXX which was paid off in the amount of XXXX on XX/XX/XXXX. XXXX, has responded back to stating that the Dispute that I filed was inaccurate and the credit reporting is correct. 

This is not correct as this is paid in full with XXXX XXXX. This is a prime example of the reporting agency not really following up with your dispute request when consurmer are filing a dispute. 

Please update my credit file for this creditor. This is paid in full. Please see the attached paid in full letter and update my credit file for all agencies. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They had contacted both my mother and EX wife. I called requesting to speak with their quality control and compliance XXXX. They proceeded to put me on the phone with a XXXX XXXX who REFUSED to tell me how and where they received these contact phone numbers for me. He also REFUSED to send me any paperwork to verify the information that they have on file. As well as saying he was educating me on the situation insinuating that I was incompetent and XXXX  As well as threatening me with legal action if I didnt set up a payment plan that day and insinuated on multiple times that today was my only chance to arrange a payment plan. Also verified that their company had been calling me daily and sometimes multiple times a day. Also stated that I told them to stop contacting me on my number in 2021 which I know is false. Also as my mother informed me that they told her details about the debt that was owed.
Product: Credit reporting or other personal consumer reports

The reason for the communication refers to the following concerns : 1. Unreported or inaccurate information on my consumer credit reports : When reviewing my XXXX report, I noticed that the credit limit of {$19000.00} is not reported, as reflected on the XXXX credit report. It appears that XXXX only captured payment history for the last 24 months. 

When reviewing the XXXX credit report, I noticed that payment history for the last XXXX  months is not displayed ; only the month of XXXX is visible. 
When checking my Equifax credit report, my XXXX XXXX account ( including credit limit and XXXX payment history ) is not reported. 
I request that you report my XXXX payment history and {$19000.00} credit limit to all credit agencies to ensure accurate financial information on my credit reports with the major agencies : XXXX, XXXX, Equifax, and others as applicable. 

2. I would like to know my membership number because I can not locate it when accessing my account. 
Additionally, I would like to understand the process and implications of canceling my membership in the future. Since contacting you directly has proven difficult, I am seeking this information through this channel. Needless to say, their customer service could be improved. 
XXXX. I am supposed to have a VIP membership with a limit of {$30000.00} instead of a credit limit of {$19000.00}, indicated in the membership terms at the time of subscription 4. When I initially signed up for this membership, the agreed upon amount was {$570.00}. However, it has now increased to {$620.00}. I would appreciate an explanation of this setting. 
I am willing to provide any additional information requested and wish to express my gratitude for the time and effort you invested in resolving this matter.