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

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. And I now dont have access to the records of when I was solely using the Zelle app because I was banking with a bank that didn't have Zelle within their mobile app. Where did my records go? I've have since moved two a different bank and can provide proof that I am still using Zelle through that bank, but prior to that, I was using Zelle within their app directly. 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 CFPB 's 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 reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

Today XXXX Friday XXXX XXXX, XXXX Dear CFPB, I have recently opened a Toys/Baby 's R Us Account in XXXX XXXX for XXXX. This month I should have receieced a statemten from Synchrony Bank for payment on this Toys /Baby 's R Us Account. Today I recieved an Email from Sychrony Bank for the purchase of the {$250.00} made on XXXX/XXXX/XXXX at T/B R US. The statement however was not my initial syatement requestin payment however, it is a states : " Payment not received '' " Dear XXXX XXXX, '' " RE : Your R Us XXXX ( XXXX ) Account ending in XXXX '' " This is a notification that your R Us XXXX ( XXXX ) account payment is past due and a late fee has been assessed. Making a payment of the total amount due now will help you to avoid additional fees. Please disregard this notice if you have already made your payment. '' " You can make a free online payment now by signing into your account. '' " If you can not make a payment of the total amount due today, or need assistance with your account, please contact us at the number listed below. '' I never received my initial statement via Email or otherwise. 
Synchrony Bank has already charged me the {$35.00} late fee. 
I have a XXXX card and A XXXX Card, they mail me through the US Postal Service my statements at least 10 days before its due to advise me " You have a payemt due on this date in the amount of XXXX I also have a Pay Pal account to which I receive through my Email and I get that well ahead of time noticing me .. '' Your Paypal Statement is ready '' and " Your Pay pal Statement due date is coming up ''. 
I do not understand why this company can not have the courtesy to consumers by sending out statements ( especially by email ) a sufient timing to pay ; not after its due? This whole time I have been expecting my card and statemtent into the mail through the U.S.P.O not through Email. Not to mention that I did not recieve my credit card. 
I can also state that I am not the only consumer whom has had issues with this Synchrony Bank. I believe their needs to be an investigative audit on their practices financialy andand. More so how they treat consumers. Has customer service stooped so low that consumers ( Whom pay for services/items ) deserve to be treated so horribly and harrased by credit companies instead of treated with respect and given a breakbreak especially as a " New, Loyal and or Long term customer? '' Please look into this because ALL I want is the late fee waived for their dishonesty.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  was placed on a two month Covid-19 assistance program in which the minimum payment due was reset to {$0.00} for XX/XX/2020 and XX/XX/2020 The account was also known as card member services was paid in full on XXXX XXXX 2020 given the minute balance due This was reported as 90-120 days past due then 90 now 60 but remarks state 90-120 It was never late this account is 8 years old with zero late pays. Proof of call logs showing when it was set during XX/XX/2020 and payment have been submitted via mail, email and certified mail inclusive of social license and deed with zero correction
Product: Credit reporting, credit repair services, or other personal consumer reports

Regrading this account XXXX XXXX XXXX XXXX. I believe that I may had been 28 days inXX/XX/2018 but not 30 days late. In regards to XXXX   XXXX XXXX. I believe that I may had been late 55 days in XX/XX/2018. Not 60 days late. Also to BESTBUY/CBNA XXXX. I may have been 29 days late in XX/XX/2018 not 30 days late. The FCRA Law require everything on your credit report to be accurate, valid and complete. This late payment is incorrect and should not be reporting on my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I noticed an unauthorized charge on my XXXX checking account for {$260.00}. The company listed was called XXXX XXXX, for a loan XXXX. I never heard of this company so I disputed this charge with XXXX on XX/XX/XXXX. I also checked my credit report with Experian, which showed an unauthorized loan for about {$5800.00}. I disputed this charge with Experian at about the same time, and they reported on XX/XX/2021 that they would not remove this false account from my report. I also contacted XXXX about the sames time and they could not confirm that this was a bad loan, unauthorized by me. 

XXXX XXXX  purchased XXXX on XX/XX/XXXX, and subsequently on XX/XX/XXXX there was another unauthorized charge on my XXXX checking account for {$260.00}. I also disputed this charge with XXXX XXXX. 

My dispute is with Experian for not removing this false loan from my report, and I also dispute with XXXX XXXX this loan. I did not authorize this. Thank you for your help.
Product: Checking or savings account

overdraft and charge me XXXX $ XXXX and time covid XXXX theydidnotsend my money the goverement help me andcharge XXXX $ every month without any reason make new crediet without igave any permisan
Product: Credit card or prepaid card

I filed a dispute on XX/XX/2022 about my card being stolen and unauthorized charges being made. My account has been locked since the day of my dispute. I received a letter from PayPal saying I was credited the amount back on my account, and to login and access funds. But every login attempt is denied, and I can't get through to talk to a live person, because the new card I received does not register in the system.
Product: Debt collection

This company is reporting to all of the credit bureaus that i owe them this dept that they can not even validate. I asked them to remove this from my reports and they ignored my request. The information on the documents they sent is wrong, wrong dates, wrong amounts and it also does not have my signature anywhere on any of these documents.
Product: Checking or savings account

The banks new firearm policies recently enacted by the bank run counter to laws and regulations passed by Congress, and they infringe and discriminate against an individuals Second Amendment rights. Political activism by companies that receive taxpayer money is wrong an especially so when it is attempted to curtail consumers freedoms to buy what they want and for business to interact. The 2nd amendment is fundamental right defined by nature laws which come from our XXXX XXXX XXXX, XXXX XXXX.
Product: Vehicle loan or lease

The collection lady removed my cell phone number and mentioned unlimited collecting calls, so scared this compamy will reposses the vehicle. 
XXXX the supervisor mentioned it would not happen, please help
Product: Credit card

See notice of dispute sent to Navy Federal date XX/XX/XXXX and the received on the date of XX/XX/XXXX via certified mail with tracking # XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the denial of my credit card application, which I submitted on XX/XX/XXXX. I believe the reasons for the denial violate the Equal Credit Opportunity Act ( ECO ), as outlined ni 15 U.S.C. 1691c. Additionally, Iam bringing ot your attention potential violations of U.S.C. 1681m and 12 CFR 1002 concerning fair credit reporting practices. 
According to the adverse action letter I received from your company, the stated reasons for the credit denial are as follows : XXXX Balance status of XXXX XXXX accounts XXXX Insufficient variety of secure loan accounts XXXX Number of credit card trades opened in the last 24 months XXXX Length of XXXX XXXX membership XXXX. Number of inquiries on the credit bureau report I contend that XXXX XXXX may be in violation of 51 U.S.C 1691, 15 U.S.C. 1642, U.S.C. 1681m, and 12 CFR 1002, as I applied in good faith, yet credit was not issued. None of the reasons for your adverse action against me fall within the scope of the law. 
Furthermore, I am concerned about potential fraudulent activity, as my social security number ( credit card ) was used without my benefit. This raises questions about the unauthorized use of my credit card information by XXXX XXXX. 
Irequest that Navy Federal Credit Union conduct athorough review ofmy credit card application and explain the factors leading ot the denial. I also ask for clarification on the alleged violations mentioned above. 
If XXXX XXXX fails to address this matter promptly and fails to compensate me for any damages incurred. I may be compelled to pursue both criminal and civil actions in accordance with 15 U.S.C. 1681n and 15 U.S.C. 1681o. Additionally, I reserve the right ot submit an invoice for any proven violations, with a proposed amount of {$1000.00} per violation.
Product: Debt collection

My father, Mother and myself were evicted on the date of XX/XX/2016 and just recently I noticed I was being garnished 25 % of my checks every two weeks and I was never informed I had moved and they sent it to the apartment complex even tho the XXXX I spoken with had the correct address then still decided to send it to where it showed I moved from and when I spoke with the miss again asking for a new copy I still havent received it. Then the miss proceeded to inform me that I owed roughly around XXXX dollars and once I pay that amount off I would have to go back to court and i would have to pay even more possible up to XXXX total and she kept telling me if I were to pay the amount of XXXX they would try and settle and after having lawyers and others look into my case and notifying me they correct amount it shows that I would is roughly about XXXX the company
Product: Consumer Loan

I purchased a Honda Accord in 2012 at the Honda of XXXX in Ohio. I was sent an advertisement for a XXXX percent interest rate and thought I 'd take advantage of the opportunity. Once I arrived at the dealership and consulted with XXXX XXXX, she informed me that not only did I not qualify for the XXXX percent interest rate but I also had the option of only XXXX car at a higher interest rate, around five percent. I thought this was odd because my credit score was XXXX at the time but with her pushy tactics, I felt forced into the deal. She told me that I did not qualify for the XXXX percent rate but there was another program I qualified for that included higher rates. Last year, I went to another dealership, Honda of XXXX in Ohio, to trade my car in and I was told about restrictions against a trade-in deal. I found out that the Honda of XXXX dealership overcharged me for the car and I was responsible for excess charges. The salesman at the Honda of XXXX also informed me that Honda of XXXX was known for schemes such as the one I am now entangled in. With the recent lawsuit filed against Honda concerning discrimination, my situation aligns with the trouble I have been and still am experiencing. It was as if Honda drew me in just to take advantage of me. I am a middle aged black man.
Product: Student loan

I was speaking with Sallie Mae on repayment options, as I was unemployed following graduation. I was unable to meet the $ XXXX+/month payment and was asking what my other options were. I was specifically advised to let my account run over, as in not meet the payments, because Sallie Mae would not work with me on changing payment options until I was overdue. After two months I tried to reach customer service once again and was directed to Collections, who informed me that I had to make my loans current before I could begin any sort of payment change option. After explaining the advice I was previously given, I was given a sorry and an adamant ultimatum that they needed to make the loan current first before anything could be done. I was forced to borrow money from my parents and then was explained the options available to me, neither of which greatly affected my payments. I was also reported to the credit bureau due to the non-payment of the loan, which has affected my credit score, making it difficult to now find an apartment.
Product: Credit card or prepaid card

On XX/XX/22 I reported ID theft. Capitol One closed my then current account, and sent me a new card BUT they would not allow access until I provided authentication of ID, which I supplied 3 TIMES -- via 1 ) cell phone photos, 2 ) FAX, and 3 ) printed, mailed copies of : REAL ID, utility bill, and SS card. Every time they have refused to acknowledge validity/authentication, repeatedly insisting on a CLEAR picture on the REAL ID MA state license, but the photos is a little blurry, AS ALL DRIVERS LICENSE PHOTOS are. Also they are having issues with the copy of utility bill I sent- and they are still requesting THE SAME information A 4TH TIME. I CAN '' T MAKE A DIFFERENT PHOTO ON MY ID. 
I NEED TO ORDER MEDICATIONS AND SUPPLEMENTS FOR MEDICAL CONDITION. 
I NEED TO PAY BILLS VIA CREDIT CARD. This is all via phone, they have not sent any documents informing me of any of this, which seems suspicious, and I am wondering if there is a scam operation within or acting as Capitol One. They are informing me there are fraudulent charges on my account but they are denying me that information BUT I have not been able to access my account since XX/XX/22 and have not been able to make any charges. CO is treating me like a criminal and continuing to harass me when I request access to my account which is in good standing. They are refusing to acknowledge the payment I sent
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the creditors and they have NO PROOF I INITIATED SUCH INQUIRES, NOR WRITTEN AUTHORIZATION AND HAVE FAILED TO PROVIDE ANY PERMISSABLE PURPOSE. Since they do not have my authorization written nor verbal, I ask that you DELETE these unauthorized inquires from my credit report immediately as there is no evidence of any authorization. According to section 604 of the Fair Credit Reporting Permissible of Consumer Reports 15, U.S. CODE 1681B In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is INITIATED BY THE CONSUMBER. : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX  XXXX XXXX  XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX  ( XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX  XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) . 

Under Section 609A, you must provide me with a WET SIGNATURE CONTRACT STATING THAT I OWE A DEBT TO ANY OF THE FOLLOWING COMPANIES. FAILURE TO PROVIDE THIS, MUST RESULT IN PERMANENT DELETION OF THE ACCOUNTS BELOW : : : : XXXX XXXX # XXXX {$41000.00}, XXXX XXXX  # XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 In accordance with the Fair Credit Reporting act XXXX  Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Could you please check thee listed accounts below for accuracy and right reporting. I believe the acppunts below are inaccurate and its causing my credit score to be low and its taking an toll on my life. If/once you discover the mistake could you remove the accounts please. By law all inaccurate accounts has to be removed XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXXXXXX XXXX XXXX XXXX SC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXXXXXX XXXX  XXXX has violated my rights Account # XXXXXXXX XXXX XXXX has violated my rights Account # XXXX has violated my rights Account # XXXX XXXX XXXX XXXX has XXXX my rights Account # XXXX XXXX XXXX XXXX has violated my rights Account # XXXXXXXX XXXX XXXX XXXX has violated my rights Account # XXXXXXXX XXXX XXXX XXXX  has violated my rights Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights Account # XXXX DEPT OF ED / XXXX has violated my rights Account # XXXX US DEPT OF ED has violated my rights Account # XXXX XXXX / U.S. DEPT OF EDUC has violated my rights 15 U.S.C. 1681 section 602 A. states I have a 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.
Product: Credit reporting or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. 
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.