23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I currently have two active cash-advance promos on the XXXX MasterCard issued by Bank of America ; {$15000.00} owed on a promo that was taken out in XX/XX/XXXX and is due XX/XX/XXXX and {$14000.00} owed on a promo that was taken out in XX/XX/XXXX and is due XX/XX/XXXX. It is my desire to pay both promos off before their due dates to avoid interest. I contacted BofA on XX/XX/XXXX to check how a recent payment was allocated -- the payment was substantially above the minimum payment required. Much to my surprise, I was told that my payment had been applied the promo that expires on XX/XX/XXXX. I then asked the representative to re-allocate the payment to the promo that was expiring on XX/XX/XXXX. This is where things went downhill. 

The Customer Service manager I spoke with indicated that the law was very specific that banks had to allocate payments to the promo that had been on the books the longest, even if that promo does n't mature first. Most likely in 90 % of the cases, this payment allocation logic makes sense -- promos that were booked first would mature first. HOWEVER, when you offer promos of varying lengths ( as BofA does ), the potential exists for an " older '' promo to mature after a promo that was booked later. That is the position I find myself in. 

After reading the Payments section of the Card Act, I find what the manager told me regarding payment allocation to simply be untrue. The payments section was very specific regarding applying payments to the highest APR balances first and then to promos within two months of their expiration. Nowhere did I see that a bank was required to paydown the oldest promo balance first. Additionally, section 1026.53.b.1 ( ii ) of the Card Act provides for the card issuer to reallocate any amount above the min pay among the balances on the account in the manner requested by the consumer. 

Given this, I 'm not sure if this is a technical issue for BofA or if the capability exists but the customer service staff simply is n't aware. Either way, the way that I 'm being forced to have my payments allocated is harming me as a consumer by essentially robbing me of three months ( XXXX ) to pay down the promo that expires in XX/XX/XXXX and I am not at all happy about it. Additionally, I ca n't be the only consumer in this situation so I 'm sure that there are other BofA customers being harmed by their unfair practices.
Product: Credit card

I got a new Consumer Credit Card with Home Depot yesterday afternoon. I had to submit my social security number and my telephone number. An hour later I started getting calls ( I have now gotten 8 calls that I answered, with various different scams. One claimed that I had won a government grant of {$9500.00} for paying my taxes on time. The other claimed it was an agent of the IRS calling. Another was a Medical Claims Payment. All of them were scams asking for some id or financial information from me. I think that one or more of the organizations Home depot sells its information to is using that information to call people with illegal money scams. I called Home depot and had my number put on the do not call list, and I have stopped getting calls.
Product: Credit reporting or other personal consumer reports

XX/XX/24 {$140.00XXXX XXXX XXXX  and I filed for dispute .XXXX XXXX agreed to Remove account due FCRA violations.However XXXX XXXXavent responded to the dispute.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the customer financial protection app ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I was notified that someone reactivated my Macy 's card which I had not used in years in XXXX, and again on XX/XX/2022. I contacted Macy 's and closed the account. I filled a Police report, FTC report, etc, etc. I am still awaiting resolution of nearly {$1200.00} in charges for XXXX XXXX clothes on my Macy 's card back in XXXX. The company does not believe me that I did not make these charges!
Product: Money transfer, virtual currency, or money service

I express my concerns regarding Zelles handling of disputes. Despite using Zelle numerous times and reporting discrepancies, my bank 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 CFPBs findings show that Zelle has not only neglected to protect me and plenty others but has also allowed repeat offenders to exploit the system, leaving us users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about safety.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Dear Credit Reporting Agency, I am writing to dispute the following information that appears on my consumer report : Dispute 1 Account Number or other information to identify account : XXXX Source of dispute information : XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 


Dispute 2 Account Number or other information to identify account : XXXX Source of dispute information : XXXX  XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 


Dispute 3 Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX  Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 


Dispute 4 Account Number or other information to identify account : XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Credit card Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report.

I have attached a copy of my report with the accounts in question circled. 







Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Debt collection

Midland Credit Management sent an email, last sent on XX/XX/year> -- about a debit owed. I do not owe this debt. In the past have asked for written documentation but they did not provide this.
Product: Credit reporting or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account XXXX # 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: Vehicle loan or lease

This vehicle was initially supposed to be financed with my now ex-husband. I never signed the contract. I asked that the contract not be submitted. The dealership tore the contract up in front of me. I later found out that the dealership had already submitted the contract with my forged signature to Ally despite me asking that it not be submitted. I spoke with Ally and informed them this loan was fraudulent on several occasions. They suggested that I have the vehicle refinanced to remove my name from the account. The issue is that my ex-husband is in possession of the vehicle, and will not refinance it. 

Once the divorce was finalized I received court documentation that I am no longer responsible for this vehicle. All payments and collection activity should be removed from my credit report per this judgment. I spoke with Ally and asked them to remove the account. I told them I had the court documentation and was able to provide them with said information. They again requested I refinance despite me again stating this loan was fraudulent on their recorded lines. 

I have since disputed this loan with the credit bureaus, but they returned saying divorce was not enough of a reason to force Ally to remove this account. Again this account is FRAUD. That should have been sufficient enough to have my name removed from this account. I never actually signed the contract that was submitted. My signature was forged which I also explained to them. I have tried on multiple occasions to work with Ally in regard to this account, but they have refused to work with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX provided to FCPB incorrect and inconsistance inormation. on their letter they sent it to you the monthy payment is {$390.00} as on the sale contract too. but on my Equifax report the monthey payment is {$390.00}. Also the terms on the letter & on the contract are 60 months but on my Equifax report 62 months. The address on the sale contract incorrect. That wasn't my previous address which was XXXX XXXX XXXX XXXX NY XXXX.
Product: Credit reporting or other personal consumer reports

THis inquiry should not be on my credit report please remove it. Thank You! 

XXXX XXXX XXXX XXXX  - XX/XX/year>
Product: Credit reporting or other personal consumer reports

The reason for this complaint is for an unauthorized inquiry on my credit report I reviewed on XXXX I retrieved a copy of my credit report from Experian report number XXXX and I discovered an inquiry that I have no knowledge of. 

Because I did not apply for credit with XXXX XXXX XXXX, they have no authorization to pull my credit report. 

Please launch an investigation into XXXX XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

This In violation of the FCRA 1. 15 U.S.C 1681b FCRA limits access to consumers credit report to specific, permissible purposes and, 2. 15 U.S.C 1681n entities consumers to statutory damages of up to {$1000.00} for willful non-compliance with the FCRA, even if no actual damage occurs.

Thanks in advance for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX Transunion and XXXX received a package from XXXX XXXX consisting of a demand letter, a notarized affidavit, and exhibits attached ( see attached files ). Transunion XXXX XXXX continues to report inaccurate information on the consumers consumer report without disclosing the method of verification used to verify the inaccurate accounts. Transunion and XXXX is in violation of 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ).
Product: Credit card

I paid off this credit card in full as described on their website in the amount of XXXX on XX/XX/XXXX. On XX/XX/XXXX with the account having a XXXX  balance, Bank Of America took out {$120.00} from my account and charged me {$2.00} interest, leaving me with a NEGATIVE balance of {$110.00}. Furthermore, Bank Of America is still reporting to credit agencies that I have over a {$9000.00} balance on this account MORE than a month later. 

How can banks do this? I am guessing it is because they can.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I noticed the following issues with these accounts on my credit report : Account Name : XXXX  / XXXX : Account number : XXXX, Account status is misleading : showing different per bureau. Can you delete this ASAP and send me and update. 
I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks. 
XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX ( XXXX ) XXXX XXXX XX/XX/year> Credit Collections Services XXXX XXXX XXXX XXXX, MA, XXXX Re : Request for Debt Validation and Assignment Contact Dear Credit Collection Services, I am writing in response to your recent communication regarding the debt referenced in your letter, account number beginning in XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you validate the debt, including a full breakdown of the amount owed, and provide me with the name and contact information of the original creditor or any party to whom the debt has been assigned or transferred. 

As part of my right to dispute and request verification of the debt, I respectfully ask that you provide the following information : 1. The amount of the debt.

2. The name of the original creditor and their contact information.

3. Proof that you are authorized to collect the debt on behalf of the original creditor, including the assignment or transfer documentation.

4. A copy of any written agreement or contract indicating my responsibility for the debt.

5. A complete history of any payments made towards the debt. 

Please be advised that I expect your response within 30 days from the receipt of this letter, as required by law. During this time, please cease any further collection efforts until this matter is resolved. If you are unable to provide the requested information, I ask that you cease collection activities and remove this account from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

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

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 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 per 15 U.S.C. 1681e-2, 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I returned a XXXX XXXX XXXX to Nissan of XXXX XXXX on XX/XX/XXXX and upgraded to a XXXX XXXX XXXX. Attached are the documents showing the vehicle was returned and a Due Bill was signed by the dealership indicating they are paying Nissan Corp {$4000.00} to payoff the rest of my lease. 

After several months of waiting for this to updated on my CBR 's, I contacted the GM at said dealership and he gave me the run around and excuses about sending the wrong checks on old accounts and eventually the dealership failed to pay off the vehicle and apparently filed bankruptcy. This dealership committed loan fraud by taking my money for a new vehicle in a finance agreement and subsequently not paying off the vehicle. This is a crime, clearly. 

I began receiving collection notices from 3p agencies on behalf of Nissan Corp and was luckily able to prove this debt was paid off to the dealership to avoid alternative collection methods. I have contacted Nissan many times over the years and they have essentially refused to rectify this. It may not be their fault the dealership committed fraud but they authorized that dealership to conduct business on behalf of themselves accepting the risk of what could happen. 

This account in question is being reported on my Credit Bureaus as owing over {$4000.00} and is causing me harm to my DTI and for loan approvals. This needs to be completely updated to paid in full backdated to XX/XX/XXXX. 

VIN in question is : XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, 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: Debt collection

NCC Business Services in XXXX Florida insists that it takes 10 days to obtain a proof of payment from them, claiming " first come first served ''. Representative said it was like signing a credit card statement at a restaurant. When I mentioned the process does n't take 10 days at a restaurant she said again " first come first served '' as though there were ten days worth of trucks full of payment receipts needing to be processed. When a payment is collected, I should be able to get a receipt as soon as the funds come out of my account.
Product: Student loan

On several occasions, I requested a detailed history of my previous student loan payment history. I recollect requesting this information twice in XXXX of XXXX. At which time I was informed such information request would take up to 30 days to receive. To date, I have not received the requested information. 

I made a call to MOHELA today, XX/XX/year>, spoke with a representative who identified herself as XXXX, a supervisor with the resolutions department. 

XXXX informed me I never received the requested information, because MOHELA could not send me my payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX CA XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$570.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXXXXXX XXXXXXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$340.00} US DEPT ED XXXX Balance Owed : {$0.00} PORTFOLIO RC XXXX Balance Owed : {$480.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Student loan

I received an email XX/XX/year> that my student loan service provider was changing from XXXX to EdFinancial on or about XX/XX/year>. The email stated EdFinancial will contact you after your federal student loan account has been transferred and loaded to its system. It is now XX/XX/year> and my payments are past due, I had not received communication from EdFinancial, so reached out and was told the account has not yet been created and to hand mail a check. This is not fair treatment of consumers. My student loans were set to be auto paid. I have received minimal instruction from either servicer. If I hadnt reached out, I wouldnt have received this message and would be delinquent. It is not fair to expect consumers to hand write checks.
Product: Money transfer, virtual currency, or money service

In XXXX  I bought concert tickets from a person and they scammed me on Zelle. They had made multiple fake accounts on Zelle and I did not know this until I had a friend try to talk to the scammer and see what other information they were going to give them. I lost out on XXXX dollars because chase did nothing to protect me or even resolve my issue. How is it that its their bank and they couldnt get the money back from the scammer? I never trusted them after this. At the end of the day you dont go in ready to buy something and use Zelle and think oh this could be a scam. I made an FBI report as well as reached out to the scammer multiple times to get my money back and reached out to chase no one helped me. I gave up on it until I saw that there is a lawsuit being filed against Zelle and I 100 % would like to participate in that so I can just my justice.