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

I am writing to express my concerns regarding Zelle 's dispute resolution process, which I believe falls short of protecting consumers effectively. My experience involved multiple instances where I reported discrepancies in transactions, but neither my financial institution nor Zelle conducted a thorough investigation into my claims. I was informed that recovering the lost funds was impossible and that tracking the transactions was unfeasible. This response is particularly troubling in light of the CFPB 's recent lawsuit, which underscores systemic issues with Zelle 's platform. The findings indicate that Zelle has failed to protect consumers adequately and has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable, and I am deeply concerned about the platform 's ability to ensure consumer safety. I urge the CFPB to take appropriate action to address these shortcomings and to enforce measures that will hold Zelle accountable while prioritizing consumer protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer has attempted to reconcile directly and through equifax and experian to delete these accounts from the consumer report Pursuant to 15 USC 1681 there is a grave responsibility to my privacy there is no written consent given to Dept of education, XXXX, or XXXX  to report any of this information there is no consent given to XXXX  equifax or XXXX  to furnish this information
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I was given a notice that my XXXX account was suspended permanently. It was completely out of the blue and I had not used the account within the past month outside of trying to add a couple of prepaid VISA cards received as compensation for a health study I am an annual participant in. I had tried adding them to my XXXX due to the prepaid cards being digital which makes it harder to purchase things in-person without moving the funds to a different account. Venmo asked me to verify my account using my driver 's license. I obliged thinking it would unfreeze/reinstate my account as I thought there may have been an issue regarding verification which led to the permanent suspension. However, on XX/XX/year> I received an additional email following up on the situation stating I had broken XXXX XXXX user agreement and XXXX and they would not be divulging their reasoning as to what determined this decision.
Product: Credit card or prepaid card

This situation has been going on for years since Walmart switched over to mastercard.I have always paid my account on time .But for years I 've been getting charged interest on purchases that were for no interest .I had receipts showing the no interest .And Walmart would advertise these promotions and not honor them .Then I would pay off promotional balances and Walmart would turn right around after I  would pay off the promotion and charge me the full interest .There is 2 promotions one for  XXXX and the other in XXXX that I did n't pay off but the other promotions I did before they expired.I have prove of all my payments I 've paid thousands of dollars within the past few years .and it seems like my account is n't decreasing .I turned them in to the Attorney General in XXXX of XXXX they told me they could n't do anything.I contacted Walmart credit card recently I told them my account does n't look right .Basically they sent me a letter stating they were n't removing any fees.I have prove .I 'm in the process of either filing bankruptcy to get rid of the account or taking there bank to small claims court.So it can be figured out where my money is going.I stopped making payments because if my account just keeps increasing .ME making payments is only benefiting them.They are also giving me a negative credit reporting.When I pay my bills on time .This situation is hurting my credit score.
Product: Credit card

I called Synchrony bank to request a lower interest charge on my account stating I was struggling to pay down the bill bevause the interest was too high. I agreed to close my account and apply for hardship and they told me I was not approved and did not tell me why after I asked them for an explanation. I then went to login to my account and was unable to access my profile to make changes because they said my phone number wasn't accurate meanwhile I have had the same number on this account for almosXXXX XXXX  years.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XXXX19 : Received suspicious letter from PayPal Credit / Synchrony Bank to call XXXX " to verfy recent activity processed on your acct. ending w/ **** ", ( which I do not own, nor applied for ) ; so I don't technically know if it's technically a physical credit CARD, or a " Digital-wallet '' credit acct. that the letter is referring to!!! 
XXXXXXXX19 : I called the XXXX # on the letter. I was asked for personal info & Soc.Sec. #, & BirthDate. When I refused, ( suspecting a scam ), Rep. told me to call their " Fraud Dept. '' at XXXX when I am ready to give my Soc.Sec. # in order to close the acct. if it is not mine. When I XXXX Searched those 2 phone # 's & the return address, I found many websites saying it's a scam/phishing scheme, and that scammers also created SPOOFED versions of PayPal Credit and Synchrony Bank websites to fool anyone who tries to find the REAL phone # or address & tries to contact the REAL PayPal Credit or REAL Synchrony Bank, in an effort to close the fraudulent acct. 
XXXX19 : I obtained Credit Reports from XXXX & XXXX. XXXX did indeed list a [ fraudulent ] SyncB/PayPal acct. # XXXX opened on XXXX19 in my name, using a fraudulent address ; as well as a " Regular Inquiry '' by " PayPal via SyncBPayPal '' that same day XXXX19 ; ( that " [ Regular ] Inquiry Analysis '' also included my " Supplemental Public Records & Residential Info. '' & " Supplemental Consumer Credit Info. '' ) That fraudulent address is now listed as one of my " Addresses Reported '' as " Date Reported : XXXXXXXX19 ''. My XXXX  Report shows that fraudulent address, too, as being me ; but with " Notices '' [ flagging it as questionable ] saying : " This address has pertained to a Business : XXXX XXXX XXXX XXXX, CA " & " Transportation Service : XXXX XXXX XXXX XXXX, CA ''. 
XXXX, in the meantime, is displaying 2 " Paid & Closed '' JCPenneys Credit Card accts. ( that, unbeknownst to me until now, also are / were managed by Synchrony bank ). I closed those 2 Credit cards 26 & 16 years ago!!! Is that normal, for them to still be displayed on one of my Credit Bureau Reports? ( XXXX also shows a " Hard Inquiry '' from a credit grantor that I did not apply to, but I can not tell if the parent company of that Inquirer is Synchrony Bank, or not. ) The Reporting Bureaus placed an initial Fraud Alert on my files BUT : I can not trust any phone # or address found for PayPal Credit nor Synchrony Bank, ( not even the 2 different addresses / phone # 's attached to the " Opened Acct '' & " Inquiry '' on the XXXX Report ) IN ORDER FOR ME TO CONTACT Synchrony Bank DIRECTLY, in order to CLOSE this fraudulent Credit acct. 
That is why I need the CFPB to contact & communicate with Synchrony Bank on my behalf, and close the fraudulent PayPal Credit acct. as well as the other " fair resolutions to this issue '', that I will specify in the next CFPB complaint box.
Product: Student loan

In XX/XX/XXXX I was awarded two private loans through XXXX XXXX, with the agreement to pay {$50.00} a month for both loans. I was accepted to XXXX XXXX University for a XXXX XXXX  program. Before my first semester was over my boyfriend XXXX XXXX. He XXXX  himself in the garage and I found him. Due to my mental state my sister handled me withdrawing from the program. Now it is XX/XX/XXXX I am back in school working towards a degree in XXXX  to help people effected by XXXX. I currently owe XXXX XXXX around XXXX for a loan I never used. I have tried asking them multiple times for more information or resources to help my situation, with the result being futile. I do not want sympathy just simple fairness, as I do not think I should owe XXXX and growing on a loan I never used.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps telling me and my husband the same over and over that is not me disputing accounts on my report. I have sent Experian many disputes and have included MY DRIVER LICENSE and copy of MY SOCIAL SECURITY CARD several times to validate my identity. Yet Experian is saying that It is not me who is disputing these accounts affecting my credit. Do they need a DNA test to proof its me? In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. If the information requested can not be verified, remove this accounts from my report immediately. 1- XXXX XXXX  XXXX XXXX - Reported XX/XX/XXXX 2- XXXX XXXX  - Reported XX/XX/XXXX 3- XXXX XXXX XXXX - Reported XX/XX/XXXX 4- XXXX XXXX  XXXX - Reported XX/XX/XXXX 5- XXXX XXXX - Reported XX/XX/XXXX 6- US Dept of Edu - Reported XX/XX/XXXX 7- XXXX Reported XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The payment is showing late on Pen Fed by mistake. I would like a proper investigation.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that despite previous correspondence and documented proof of communication, you have not complied with my request. Pursuant to the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ), I assert my right to dispute inaccurate information currently reflected on my credit report. It is my expectation that a thorough investigation into my claims be conducted promptly.

I have already escalated this matter to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX  ) in order to seek their intervention and assistance in resolving this issue. Copies of this communication will also be forwarded to the Federal Trade Commission ( FTC ) for their records. 

Reasons for Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, my daughter and I were corresponding with an individual via XXXX XXXX about purchasing a concert ticket from an individual. When the individual stated that she had a ticket for purchase we asked her to send a screenshot of the purchase confirmation so we could see that she actually had a ticket to sell. We compared it to a legit email that someone else had from their purchase and everything appeared good. The individual stated that she would like the money sent with XXXX and she provided the email address associated with the account to send it to. The name was different that the XXXX name but she stated it was because she uses a relatives account. After the money was sent, she stated she was changing the name on the ticket and would email it soon. For a couple minutes after the transaction she continue to conversate stating she was changing the name through the company and she would send it over shortly. After a while, she blocked my daughter and would not respond to her. I tired to send her messages and she would not respond to myself. I reported her through XXXX as did several other individuals. I filed a police report with the local police. I contacted my bank and opened a claim. When I filed the claim, they took minimal information. They never called for any follow up, never asked for any type of documentation, nothing. I have screenshots of all the conversations, I have the police report number and everything and the bank never once contacted me or asked for anything. I received a letter in the mail stating it was an authorized transaction and they would not be refunding me the money.
Product: Debt collection

Subject : Immediate Dispute and Demand for Investigation of Multiple Fraudulent Accounts To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of multiple fraudulent accounts that have been opened in my name without my consent. Upon reviewing my credit report, I discovered that several accounts have been fraudulently opened under my name, and I am appalled by the lack of action in resolving this matter. 

These fraudulent accounts are not mine and have been opened by individuals who have stolen my personal information. I demand the immediate removal of the following accounts from my credit file : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XXXX XXXX, XXXX Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX This situation is intolerable, and I expect immediate and thorough action on your part. These accounts are fraudulent, and I am holding your institution responsible for allowing such accounts to be opened in my name. I demand an investigation into this matter, a prompt resolution, and the deletion of all fraudulent accounts from my credit file within the legally required timeframe. 

Additionally, I request that you provide me with the following information regarding these fraudulent accounts : Documentation showing the application process for each account, including proof of identity. 
Copies of any contracts or agreements signed in relation to the accounts. 
Any records related to the investigation of these accounts ( if applicable ).
Product: Credit card

I was an account holder of the Chase XXXX Visa card. One of the perks is that you receive Marriott Gold Elite Status as long as you spend {$10000.00} in an account year. I met that requirement for XX/XX/XXXX, and received Marriott Gold Elite Status XX/XX/XXXX. I spoke with a Chase account rep XX/XX/XXXX who confirmed I may close my account and not lose the status. I closed the Chase account, and lost the status.
Product: Payday loan, title loan, personal loan, or advance loan

I made a purchase with Affirm through XXXX XXXX XXXX XXXX XXXX. I returned that purchase in XXXX of 2023 in XXXX of 2023 I noticed that the affirm loan was still not pay off. I submitted via affirms online portal all the requested documentation and received no communication. Then in late XXXX I received a notice that I had not provided the requested info and the dispute was closed. Since I never received a request for additional information I raised the concern yet again. It was escalated with no follow up. 

Now affirm is reporting that I have a late payment but I have no way to make payments on the loan because its in dispute. It is affecting my credit worthiness with affirm and I fear they will report to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX USDOE/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 XXXXXXXX XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

on XX/XX/year>, I mailed this letter after reviewing my credit report ( XXXX XXXX  ) I noticed some inaccuracies so I sent the dispute. On XX/XX/year> LVNV Funding acknowledged receipt of my letter stating I need to send a second dispute to Resurgent Capital  ( XXXX XXXX ) This violated my rights under FDCPA. I also requested LVNV Funding to cease reporting to collection agency until this matter is resolved, currently they are still reporting. I have never done business with either of these companies and am just asking for the verification requested. ( XXXX XXXX )
Product: Checking or savings account

Overdraft protection fees and insufficient fund fees taken multiple times and not have been refunded the amount taken. {$35.00} was taken each time. I remember calling one time for the first forgiveness. Ever since I was not able to get the money back.
Product: Credit card or prepaid card

On XX/XX/XXXX, we rented a XXXX in XXXX and paid cash for the day rental. My Chase Card was held for any incidentals.What we hoped to be a day of fun turned into a nightmare on vacation. We were provided with a rusted XXXX with low air in the tires and bad brakes. This company scammed us out of {$4000.00} after we returned the XXXX claiming countless items of damage. 

1 ) Yes, we signed the agreement, however the agreement stated that we have reviewed the price list. No price list was provided and when we asked about it, they said they don't even have a price list. 
2 ) The XXXX was rusted through - shown in the photos. This rust can't and isn't caused by us. The damaged cage was already rusted and broken by the time we received it. 
3 ) The XXXX team sent a bodyguard to force us to sign the {$4000.00} credit card slip. In a XXXX  XXXX  we determined it was safer to sign then to involve the police. We figured Chase would take care of us in these situations. 

The company ignored our requests for pictures/videos/receipts of the damage after we were told they were going to send it. A picture of the text messages is attached. The cherry on top is we overpaid in cash and I was told they were going to give us cash, they took our {$20.00} cash too. 

-- My complaint to chase is the dispute was closed without our side. The contract stated we reviewed the price list but not only were we not provided with it, the charges indicated are predatory. Some help here with a credit card company that I've depended on for years would be helpful.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report, and I noticed several inaccuracies with XXXX of my accounts. This account is reporting late payments and different dates for date opened XX/XX/year>, and XX/XX/year>. These inaccuracies are seriously hurting my credit score and my ability to obtain credit. I need these lame payments removed or delete this account from my credit score. Account Name : XXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act XXXX  # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A states I have the rights to privacy. 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I am a victim of identity of fraud and or identity theft.This account was opened and made by someone else pretending to be me. I did not authorize or used or benefited from the opening of this account that I'm disputing it needs to be removed immediately and updated on my credit profile.
Product: Checking or savings account

I originally had a loan with XXXX and they sold it in XXXX to Systems & Services Technologies address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I paid off my remaining loan balance on XX/XX/XXXX and I should have access to my {$1600.00} that is sitting in a savings account with their affiliate XXXX XXXX XXXX but I don't have my money yet. It should not take over 7 business days to transfer money electronically. I've done this countless times with other lenders and have had my money in 72 hours or less. It's XX/XX/XXXX and still nothing from these crooks. I need my money ASAP. When I paid off my loan, I did as they instructed and called with my routing information for electronic transfer and still to this day I haven't seen a statement or letter to say they have sent my money, matter of fact it's still showing my savings account as locked even though it didn't take them but 48 hours to if that to post my final payment, Ths is ridiculous.
Product: Credit card or prepaid card

My father was involved in a devastating accident where he suffered a XXXX XXXX XXXX. Since XXXX, he has not possessed the XXXX XXXX to manage his financial affairs. 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 He spent about four months in hospital facilities before being transferred to a group home where he will likely reside for the foreseeable future. I called Barclays, who manages his XXXX XXXX XXXX XXXX, to inform them of his condition and request that his credit card account either be closed or downgraded to an account that does not have an annual fee. Shockingly, Barclays did not have procedures or protocols in place for handling such a situation where a primary account holder has become incapacitated and is no longer capable of managing adult responsibilities and obligations. I was then accused of trying to commit identity theft/fraud against my own father! The response I received from Barclays was preposterous and inflicted further harm on a family who is dealing with a very traumatic event. It also defies logic that such a request to either close an account or downgrade it to no annual fee, could somehow constitute identity theft. At no time during my conversation with Barclays did I ask for any personal or sensitive information concerning my father or his account. I simply notified Barclays of his condition and requested his account be closed or downgraded to no annual fee. After being accused of being a criminal and hung up on by " XXXX XXXX ( who refused to further identify himself with a last name or employee ID ), and then speaking to two supervisors, I was told Barclays would " handle the matter. '' They lied. We just received the most recent credit card statement seeking the annual fee and stating that the account is past due. Of note, the annual fee is the only outstanding charge on the account. All other charges have been paid in full since XXXX, with no other charges posting since. Barclays ' attempt to extract an annual fee from an individual who they know does not possess the requisite faculties to manage his affairs is illegal and unethical. They need to be held accountable for these transgressions.
Product: Credit reporting or other personal consumer reports

Experian Report Number XXXX I have found numerous things wrong with this account on my report. 
On page 30, account XXXX XXXX XXXX In Account Info section : Recent Payment information is missing. Original Balance information is missing. Highest Balance information is missing. 

In the Payment History section : All information from the opening of the account through XX/XX/2022 is missing. Also, the missed payment dates leading up to the charge off date are missing. It goes directly to charge off without showing what lead to the charge off. 

In the Payment History Guide : All information from the opening of the account through XX/XX/2022 is missing. 

In the Balance Histories section : All information from the opening of the account through XX/XX/2022 is missing. Also, none of the dates in the Date column match any of the dates in the Paid column. This is misleading and inaccurate. 

Please correct all of the information listed above or delete the account from my consumer report.