23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Sunrise Credit Services Inc has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 Section 604 Part 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I have been dealing with this company for 2 years now! Calling at XXXX to ask me to collect on the same debt, I have been disputing with them since I wasnt able to originally dispute the dept in the 30 day period. I have been passed around to the collection companies and Im just tried of the headache this brings thinking about this. This debt is as much as my rent and I just dont have it to pay! It stoping me from and new endeavors because of this one item in collections! Thank you for taking the time to read this. I dont know what I should exactly file this under. Im just wanted to ask I heard about a good will letter, and was wondering how to apply?
Product: Payday loan, title loan, or personal loan

I started my zip account on XX/XX/22 and kept my payments were current until XX/XX/22 as I had a card compromised so it was canceled, I went to the zip app and added a default card to keep payment current. Instead the payment was not collected and a late fee was added of {$7.00}. 
After several live chat and 7 phone calls with a live agent and 4 days later the payment is still not collectedXX/XX/22was my final attempt to resolve the outstanding payment with the new card I received on XX/XX/22 which I added thur their customer portal as the requested on XX/XX/22 I asked them to collect the payment still they were unable claiming I never updated the card information. I fin had enoughI told the can bill thur mail as out business is concluded I will no longer contact or make further efforts to resolve something so simple. 
In addition the zip app I opened authorized me a {$350.00} spending credit but when I went to make a purchase the account had a hold on it saying I didnt meet the criteria, but you already offered me credit it did make sense In short they are incompetent at best with XXXX standard level of customer service unable to resolve the simplest problems a total waste of time
Product: Debt collection

Aldous & Associates reported me to the credit agency for a debt they said I owed XXXX XXXX XXXX for over {$400.00} I tried to contact XXXX XXXX XXXX and they just kept telling me that their XXXX was not in and he would call me back and he never did, I contacted aldous and they immediately charged me {$1.00} to open the report to find out what was going on I paid and talked to them for several minutes about the debt and they said that XXXX XXXX XXXX was wrong and that they would dispute it and immediately take it off my credit report they also went on to say that they would take all the hard inquiries off my credit report all I had to do was pay them just over {$370.00} why would I have to pay them XXXX to take off their mistake on my credit report, they are scamming people I just got off the phone with them today XXXX/XXXX/24
Product: Money transfer, virtual currency, or money service

The person who did it XXXX XXXX date of birth XXXX XXXX she did sell unauthorized transfers from my bank account to hers made online cash app transfers and withdraw money at ATMs all are not authorized
Product: Credit card or prepaid card

XX/XX/XXXX I was solicited online while I was making an airfare purchase that if I opened a Chase United Mileage Plus Explorer account I would save XXXX off of my first purchase. I opened this account with the understanding I would receive a XXXX statement credit after my first purchase and may take up to 6 to 8 weeks to reflect on my statement. After the 8 weeks, I still had not received the credit I emailed Chase, I included a screenshot of the promotion that was solicited to me and was told they do not have that promotion and that I signed up for something different.

After looking up reviews of this promotion I had found MANY other credit applicants who also had not received their promotional {$100.00} statement credit. Chase has done a bait and switch on many people applying for this Mileage Plus Explorer card.
Product: Checking or savings account

On XXXX/XXXX/2022, we received an email stating our bank WELLS FARGO thought maybe some fraud was happening with our account, but we did not see this e-mail until the morning of XXXX/XXXX/2022, at which time my husband XXXX called and then went to the bank to address the issue. He advised we were not making any wire transfers to anyone at XXXX XXXX XXXX XXXX using a name that was provided to us from the bank. and that they needed to stop one ( one was created for XXXX XXXX ) in the process that began on the XXXX. During the time at the bank this person was trying to wire 2 other transactions, one for XXXX XXXX and another for XXXX XXXX. They close the account down and were going to send a new bank card, and " look into it '. Time past and when XXXX contacted the bank because he never received the new card, he was advised there was no fraud, he again said this was untrue, and we thought the bank was doing their part and working to get us our money back as they said they would. XXXX was in contact with one person ( XXXX XXXX XXXX in XXXX that had pulled up the phone recording of the person that committed the fraud trying to gain access to our account, and she advised oh yes this is not you XXXX XXXX. Due to a rep on the call the said person gave supposedly some information that allowed them access and set up a new username for our account. Time went by and XXXX took ill and returned to someone else closed the investigation. She then gave it to her supervisor ( XXXX XXXX to reopen as she knew it was fraud and again it was closed. We found this out in XXXX when I said we needed to go to the bank to see what is going on XXXX I requested he make an appointment with the bank to see what is going on. Then that is when we were told the case was closed. In XXXX  we were advised to make a police report as well as file with the FBI we did all that. We did not allow anyone to access our online bank account and remove money via a wire transfer in the sum of XXXX XXXX We are hoping this complaint will be seen and someone will do their part to make this right. If WF acted in a timely manner our money would have never been released. They were advised before XXXX on Friday XX/XX/XXXX this was fraud, they did not contact the bank the wire was going to until Monday XXXX XXXX, you really think a thief was leaving the money in the account? They claim because this was done thru online banking the funds were not FDIC insured. And would not be given back to us. We even spoke with XXXX XXXX XXXX XXXX and they could not find the name of the person to have held an account that was getting our money.
Product: Money transfer, virtual currency, or money service

I purchased tickets today via a XXXX ad. I used XXXX with XXXX through my bank. I though Fraud Protection covered this service ( as XXXX does ) as it is directly through Chase Bank. When I called Chase to report the incident, they said I had no recourse. 

When the tickets were not delivered, the individual never responded and essentially ran away with {$310.00} of my money. It's crazy, my checking account isn't covered, but had I used a credit card it would be? Shouldn't our cash accounts ( such as checking and savings ) be protected the most? 

I am just sick over it. That was for a very special XXXX gift for my children and I don't have money to replace it.
Product: Credit reporting or other personal consumer reports

Please see the attached FOUR letters from XXXXdated XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXXstating that " the previously reported past due payment history has been corrected for the month of XX/XX/XXXX and XX/XX/XXXX, and an update has been forwarded to the Credit Reporting Agencies, '' and please remove the erroneous Equifax reporting of late payments on the XXXXXXXX XXXX XXXX XXXXXXXX. 

Equifax is the only credit bureau that has not made the correction to remove the erroneous late payment reporting despite my previous disputes. I have filed more than 12 disputes about this issue via CFPB and Equifax directly. In a previous dispute Equifax said that my letter form XXXX was too old, so I have attached a new letter from XXXX. 

Please Remove the erroneous Equifax reporting of late payments on the XXXXXXXX XXXX XXXX XXXX as the XXXX letter states.
Product: Credit reporting or other personal consumer reports

Equifax failed to provide adequate documentation and conduct a thorough investigation regarding the fraudulent accounts reported on my credit report. Despite my repeated requests for clarification and evidence supporting the legitimacy of these accounts, they did not deliver the necessary information that would allow me to dispute the entries effectively. Additionally, I possess a deletion letter from a company confirming that the fraudulent account should no longer be reported ; however, this account remains inaccurately listed on my credit report with Equifax. This lack of diligence and responsiveness has negatively impacted my credit standing and overall financial well-being.
Product: Checking or savings account

I had a Wells Fargo account and was charged excessive overdraft fees.
Product: Vehicle loan or lease

I have received a six years loan from Ally Auto Finance on my XXXX XXXX XXXX and I paid off my loan completely. But before I paid my loan I requested two extensions during XXXX that were delayed and the manager did not call me back and later did not grant the extensions. Ally delayed the extensions and as no manager called me back they accumulated late fees, and on top of the late fees they accumulated more late fees, right now are at over {$250.00} and growing. Ally instead fraudulently collected more late fees and withheld my pink slip to try to repossess a paid off loan. I asked for my title and pink slip at least 10 times, but Ally refused to send me my title. The XXXX XXXX speaking representatives always lied to me and even when they promise their managers will call me, no one called me and the still collected more late fees that they added to the loan and that they say I owed. I asked them to remove the late fees and send me my pink slip and they ignored me. Meanwhile they have reported me to the credit bureaus and my high credit score dropped and was damages because of Ally. Ally also blocked me access to details of my loan online and I could not access them to request my pink slip online. This company is evil after I was a good customer for 6 years and paid off my loan they mistreat me and engage in fraud. Please help me!
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This number or company from what I understand to be a debt collector Ally has been calling me repeated times since XXXX. 

Today and yesterday Ive been called 3 times & I have been telling them since XXXX to please remove my phone number as they have the wrong person. They are looking for a XXXXXXXX XXXX XXXXXXXX. Theyve assured me that it would be removed but still keep getting the calls. I have asked to speak with a supervisor but will not be allowed to or hung up on.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with XXXX XXXX. XXXX and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As peXXXX XXXX XXXX XXXXXXXX, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

This is my third endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect. Please remove it from my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I'm a XXXX XXXX XXXX XXXX and I'm exempt from paying since 2021 State Property taxes and I sent my Mortage company all of the necessary paperwork from my county state indicating that I'm exempt from paying property taxes and my mortage has declined from removing the taxes from my payment and still changing me to pay taxes on my mortgage. this is against the law to keep me paying property taxes when I'm exempt from paying taxes. The Mortage company is PHH I need help to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies XXXX, Equifax and XXXX refuses to delete the unauthorize hard inquiries and negatives from my credit report. As of XXXX XXXX,2017 I received a credit monitoring from XXXX XXXX on my scores dropping to XXXX in which my scores was up in the high XXXX 's. I making timely payments on my two accounts XXXX XXXX loan and auto .I only have two accounts on my credit report. XXXX XXXX stated the credit scores comes from XXXX, XXXX and Equifax. XXXX XXXX also has a issue reporting accurate information. Very Urgent Matters!!
Product: Checking or savings account

I repeatedly told them I did NOT HAVE Anybody as OF WHO WOULD DO This TO ME, and by law if I did not open any account under my name online have to be cleared asap!. Thank you in advance
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance {$10000.00} XXXX XXXX  XXXX Balance {$8800.00} XXXX  XXXX XXXX XXXX Balance {$13000.00}
Product: Money transfer, virtual currency, or money service

Hello, my name is XXXX XXXX XXXX. As of XX/XX/2022, I had a scammer calling me using Wells Fargo bank phone number XXXX ( XXXX ) XXXX the persone acted like someone from was using my bank info, after verifying my information he logged into my bank account he XXXX himself {$1000.00} Wells Fargo do not want to refund me the amount.. please help me please and thank you..
Product: Mortgage

Basically all the trouble started when I was changing insurance company. The company I chose to insured the house deny coverage, after the escrow account from the mortgage company pay them, so I found another insurance company. The insurance who denies coverage sent me a reimbursement check. I deposit the check on my account and sent a replacement check to the mortgage company with a note written on the check to be " deposit to escrow account ''. The mortgage company deposit the check on the wrong account, into the interest account, and demand us to pay a late payment for the escrow account. I contacted them several times to fix the issue, they agree even in letters that was their mistake, but told me that the only way to fix it was for me to pay the late fee and the money which they wrongly deposit into the interest account. So they miss-place funds and they want me to pay for their mistakes. Not only they treatenning with foreclosure, my credit report was damage, when they even told me that they did not do it. I got emails phone calls and letters of them admitting the error, but telling me, that the only way to fix it, is for me to pay the late payments and money they are claiming I own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove these personal information that UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these information not later than 4 business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I Reported XXXX XXXX XXXX XXXX {$3000.00} Closed I have an installment loan on my credit report that I dont have any acknowledgment of or didnt apply for I need this deleted or remove soon as possible it is hindering me from growing with possible lenders thanks
Product: Debt collection

I previously lived at XXXX XXXX in XXXX, which is owned by XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ) Their Corporate Office is located at this address. 

I lived with them and paid rent every month on time or early. On my last month with them I was to move out by XX/XX/XXXX. I contacted their resident service office on XX/XX/XXXX to find out what the pro-rated amount was so that I could pay them for my last month and they said they would let me know that same day. 

They purposely did not tell me the amount that was pro-rated and the amount I needed to pay so that they could add on a late fee and gouge me because I was leaving their apartment community for a better one that they did not own. 

Once I was notified on XX/XX/XXXX of the pro-rated amount and the late fee, I told them that was not fair as I had been in contact with their rep and said he would contact me with the pro-rated bill but he never did until The payment was considered late. 

I refused to pay their late fee but paid them the Pro-rated amount that was due and moved out. Later they sent me to collections for {$150.00} late fee that is erroneous. The collection company has already severely damaged by perfect credit. I disputed the charge but it is still on my credit and I want it removed.
Product: Debt collection

Back on XX/XX/XXXX I sent a letter to the credit agencies requesting verification of any documents bearing my signature. As of XX/XX/XXXX I have not heard anything from the creditor or the credit agencies about this account. I have not received any documentation bearing my signature. Please I would like help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX  XXXX there is an inquiry for a credit which I did not authorize on XXXX, XXXX and Transunion XX/XX/XXXX there is a inquiry from XXXX that I did not authorize on XXXX.
Product: Student loan

For the past month I have tried applying for an income-driven repayment plan. I have met all the requirements and completed all requests necessary for this repayment plan as required by Nelnet. 
When I first applied, I was told to submit a self-certification letter stating the name of XXXX agencies I do work for, pay frequency, hourly pay, and to state in the letter that taxes are not taken from my paychecks as a XXXX. I submitted the self-certification letter with all that information and a few days later they sent me an email saying that I needed to resubmit the letter because pay frequency was missing, which was not. I called them and they told me to write the letter again but to include a statement saying that taxes are not taken from my paychecks ( that is not what the email said ). I wrote the letter again and today I got the exact same email again, saying that my self-certification letter is missing pay frequency, so they 're asking me to rewrite the letter and include that information, which I already did in the previous two letters. I called Nelnet and they told me that this time I need to include a sentence that says that I get paid once a month ( as opposed to every three weeks, which is what I wrote in my previous two letters ) and to exclude the sentence that says that taxes are not taken from my paychecks. First of all, the email they sent me is requesting something completely different from what they told me on the phone. Second of all, now they are asking me to NOT include the statement about my taxes when previously they denied my letter precisely because the letter did NOT include such a statement. The people at Nelnet are just simply refusing to accept my letter and process my request. This is discrimination. I kindly request that you help me resolve this discrimination issue. This act of discrimination is not only wrong in itself but it is also affecting my account because it is already showing as past due since my first monthly payment is now due and because they have refused to process my repayment plan request it will give me bad credit history.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns with Zelles handling of disputes, particularly in light of 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 tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams.