23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have been systematically overcharged interest by Discover Card for the past two years and I would like the overcharged amounts refunded. I had a series of 0 % balance transfers that processed last year, and I have been consistently making payments of {$100.00} each month. However my payments, instead of being applied to earlier purchases, were being applied to the later balance transfers, so my purchase balances were n't being reduced even though I was making payments well over the minimum. Then, as each promotional period expired, my monthly payments were suddenly being applied to the later balance transfers ( with unexpired 0 % promotional periods ), rather than the earlier ones, which were now accruing interest. 

It has always been my understanding that with credit cards in general, and under the account I hold with Discover card, payments are to be applied to earlier transactions before later ones, to higher-APR balances before lower ones, and to purchases before balance transfers. According to their own interactive guide on the Cardmember Agreement : " Each billing period, we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment. '' Yet it appears that my payments have been consistently applied to 0 % balances instead of higher-rate balances, to later transactions ( with 0 % interest ) rather than earlier ones, and to balance transfers before interest-earning purchase balances. This appears to be contrary to the cardmember agreement, as well as fraudulent or at best dishonest. 

One way that they did this as you can see from the statements is that whenever a promotional period expired, the remaining promotional balance was added to the account as a new transaction, even though it was n't a new transaction. But even apart from that, my payments - which were always over and above the minimum and never late or in default - were consistently and entirely applied towards reducing only 0 % promotional balances, and not to EARLIER purchase transactions, and EARLIER balance transfers ( which were accruing interest. 

I have been charged a total of {$220.00} interest in XX/XX/XXXX and XX/XX/XXXX. I believe most of this was wrongly charged.
Product: Credit card or prepaid card

I have been a Care Credit ( Synchrony Bank ) user for many years. It's specific use is with doctors, dentists, etc who participate in providing a zero interest payment plan for 3-6 months. 

I received a new plastic card in late XX/XX/2018. I thought it was a replacement card for my current card and I called in to activate it. A day or two later, I was getting alerts from the credit bureau 's regarding my score changing & inquiry. I checked with them and found out it was Synchrony Bank. I then called Care Credit/Synchrony and found out this is not a replacement card - its a new card that works as both a Mastercard and the Care Credit ( a dual card ) and my Care Credit card was closed. I do not want this Mastercard and they are not able to switch it back to my regular Care Credit card, even though that card is still available. My credit report now shows a closed card and a new Mastercard opened with a credit line. My score dropped a few points. 

I was told a letter was sent out previously that spoke about this card and that I had to OPT OUT of this new card if I didn't want it. I don't remember getting this letter, and if I did, probably thought it was a solicitation. It did not state Action Required. This is deceptive advertising. It should of been an Opt In to receive this new card, not an automatic exchange since my basic card was still valid. Not to mention, if I wanted a new charge card ( which I don '' t ) I would not of picked this one. 

Again, this is deceptive advertising. New updated cards, especially with identity theft so prevalent, should not be automatically sent to customers unless they specifically ask for them. Bottom line, Synchrony Bank sent upgraded cards to people who did not respond to their notice. This should never happen. It should be the other way around, opt in to a new card. If this never arrived in the mail, and was intercepted/stolen I would never have known it until too late. 

I'm attaching the letter that the plastic card was attached to. I omitted my personal info.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting a bankruptcy with an incorrect name and an address in which I have never lived. Please remove this information from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer XXXX XXXX, have unauthorized inquiries present on my consumer report that originated from identity theft. 15 usc 1681 ( c ) -2 states that consumer reporting agencies related to identity theft. Unauthorized inquiries include XXXX XX/XX/21 XXXX/XXXX  XX/XX/21 XXXX XXXX XX/XX/XXXX XXXX  XX/XX/21 XXXX XXXX XXXX XX/XX/21 XXXX  XXXX XX/XX/21
Product: Credit card

This company that I have no knowledge of is suing me for a debt on a card that Ive never had this is fraud and now I have no way to even get ahold of them to explain this fraud
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of recent 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 that tracking these transactions was unfeasible. The CFPBs 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: Checking or savings account

On XX/XX/2022 Bank of America placed my business checking account in a credit only status to where I could receive payments from my clients however I cant withdraw or use my debit card or write checks out of my account. I never received any notice in the mail about this. I was told this information when I went inside the bank to do a transaction to pay a vendor for business that I couldnt do the transaction. Inside the branch I could get no help because they are saying they have no idea why or how this happened. So I was told I have to call Bank of America back office for help. So everytime I call they wont speak with me over the phone they are telling me I have to go inside a branch and have the branch call on my behalf. So I go inside the branch everyday to get help and they told me 3 to 5 business days to have my account back to normal however it has been over 13 days at this point. Bank of America is stealing my money at this point. My truck payments are due for my business which I cant pay because of this. My kids I cant feed them because of this, I have no money to live because of this, I have nothing and Im losing everything and Bank of America isnt helping. I have been inside the branch speaking to a manager XXXX XXXX XXXX in XXXX Georgia XXXX Email : XXXX The name of my business is XXXX XXXX XXXX XXXX located in XXXX Georgia. At this point I just would like to close my account with Bank of America and have my funds released to me before I lose everything I have behind this because I have no access to my funds! They have no right. They didnt inform me any of this! I need help! Please help me please.
Product: Mortgage

On or about XX/XX/XXXX, I applied online to my checking account Truist Bank for a {$170000.00} refinance loan to pay off the approximately {$160000.00} debts I had accrued and the {$10000.00} closing cost of obtaining the loan. My home was appraised in XX/XX/XXXX, and was valued at $ XXXXOn XX/XX/XXXX, I received this email from Truist Bank representative XXXX, XXXX XXXX : " Hey XXXX, Thanks for providing the information for your income. I have put the info in the system and was able to run your credit. Unfortunately due to the credit being XXXX and other factors they are not going to approve the mortgage loan at this time. For cash-out loans guidelines require a credit score of XXXX or higher. I am so sorry for the news but wanted to let you know as soon as I did. They will send you and email letting you know the results as well. 
XXXX XXXX Mortgage XXXX XXXX Truist Home Mortgage I had not asked for a cash-out loan. Nowhere on the Truist On Line Banking site does it state that refinance loans will only be granted to customers with a credit rating of XXXX or higher
Product: Debt collection

I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2024 report I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed bysection XXXX ( a ) ( XXXX ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( XXXX ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to XXXX, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions
Product: Money transfer, virtual currency, or money service

XX/XX/year> {$5000.00} wire from XXXX to XXXX XXXX XX/XX/year> {$9800.00} wire from XXXX to XXXX XXXX XX/XX/year> {$5000.00} wire from XXXX to XXXX XXXX XXXX transfers sent to Wells Fargo Bank checking account # XXXX XXXX routing XXXX Wire transfer fraud arranged by XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor.

Date of Last Activity.

Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company WFBNA AUTOXXXX XXXX XXXX XXXX XXXX and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )
Product: Debt collection

I visited XXXX XXXX XXXX XXXX, XXXX, GA in XX/XX/XXXX. They were supposed to file a claim with XXXX XXXX. 
They never bothered to file the claim and in XX/XX/XXXX sent me bills of over {$10000.00} for a quick visit with a doctor. I was there about an hour, mostly waiting. 
They waited until it was to late to be covered under the XXXX XXXX XXXX XXXX 
All they have to do is file the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive never had an account with this company. The account shows paid but it has a late fee on it. Its not my account it needs to be removed and they have not removed it.
Product: Bank account or service

Wells Fargo Bank Attn : XXXX, Texas XXXX XXXX Wells Fargo Bank Corporate XXXX, CA XXXX XXXX Re : XXXX, Estate of XXXX, Account no. XXXX Dear XXXX, On XX/XX/XXXX, my son XXXX opened what he was told was an estate account with your XXXX, Texas branch, XXXX, TX XXXX. After making several deposits and withdraws from said account, someone within your organization on XX/XX/XXXX discovered that the account was mistakenly opened by a branch representative from said branch, as a business account ; the result of said discovery lead to your organization freezing all account assets, totaling {$4800.00} ( please see attached bank statement ) On XX/XX/XXXX, your organization decided to close the account without ever notifying my son and or me. To this date [ XX/XX/XXXX ] we have never received the remaining funds in the account, nor were the funds returned to the bank they were collected from via deposits made to your bank. We have not received any explanation from your organization, other than an account named, " Estate of XXXX '' was mistakenly opened as a business rather than an estate account. 
During the past two years I have received nothing but lies from people in your organization, including the XXXX branch manager, XXXX. You are illegally holding money that belongs to the Estate of XXXX-my wife and XXXX mother. 
Despite numerous letters to your organization, we have received nothing but lies, including being told that your organization had no record of the account to the most recent lie, when I was lied to by XXXX 11 days ago that you would be " sending me a letter within 3-4 days. '' You are hereby notified that you have 72 hours to return our money, {$4800.00}. Your organizations prevarications and refusing to return funds that do not belong to your organization, will no longer be tolerated. Be assured that we are willing to go to whatever must be done to both receive the money you owe us and punish your organization for your dishonest business practices. 

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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

I went onto the Experian website and authorized a {$1.00} payment for my annual credit report. I was unaware that I had agreed to sign up for account monitoring until I saw a monthly charge of {$21.00} on my checking account. I did not authorize this charge and have since gone online and cancelled this account they tricked me into opening but they refuse to refund my {$21.00}. This is highly unethical especially considering they are a credit reporting company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
Creditor Information XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Balance {$660.00} Highest Balance {$660.00} Opened XXXX. XXXX, XXXX  ( XXXX yrs, XXXX mos ) Account status Open Type No Info Responsibility Individual Account. 
Remarks Collection account Original Creditor Name No Info Closed No Info
Product: Credit reporting or other personal consumer reports

i was a victim of identity theft 2 years ago and everything still on my report. i went to the police and police report is made, identity theft is made now im procedding with the cfpb report i really need to get all these account removed from my bureu. midland credit managment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I tried checking my credit score because I've haven't used my credit for over 8 years and I wanted to see where I stand. When I obtained my credit reports from two credit reporting agencies I noticed that the addresses, phone numbers and date of birth was wrong and the work places. The third report said it couldn't give me no info because the person was deceased. That's when i knew the credit reporting agencies didn't have the accurate information on my consumer report making me continuously get denials from borrowers.
Product: Money transfer, virtual currency, or money service

Claim ID : XXXX from XX/XX/XXXX 9 months, STILL wont address the Main Complaint MY DISPUTE IS 1. THE MONEY WAS ACCIDENTALLY SENT TO THE WRONG ACCOUNT. XXXX XXXX XXXX ACCOUNT WAS AUTO-FILLED IN WHILE TYPING THE EMAIL ADDRESS. 
2. THE ACCOUNT THE MONEY WAS SENT to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  PASSED AWAY XX/XX/XXXX 3. THE FUNDS WERE SENT IN XX/XX/XXXX AFTER XXXX had passed away. Money can not be sent to a deceased person. 
4. THE MONEY WAS SENT TO ACCOUNT, WHERE IT CANT BE REVERSED, FUNDED, or SENT BACK, and the ACCOUNT HOLDER IS DECEASED, WE ARE UNABLE TO ACCESS THE ACCOUNT. 

Get a RESPONSE THEY SAY 45 days WHAT? XX/XX/XXXX, Its been nine months, and now you say XX/XX/XXXX. YOU KEEP PUTTING ME OFF 1. Chime couldn't comprehend the dispute and repeatedly replied with a completely irrelevant response to the dispute?

2. Chime has repeatedly put me off by responding with irrelevant responses. 
3. Chime filed replies with XXXX with the same Irrelevant responses, Not reading what the problem/dispute actually is and never offering assistance or instructions on handling it. 
4. Chime responded to XXXX 's complaint, stating to contact them directly ( I again contacted Chime, per their request ) 5. Chime Chat going over everything with Chat with the US, where I was told they were filing REBUTTAL-02 ( I requested a whole new dispute # due to this one seems to be on an auto-response and is not being read ) This Didn't happen 6. I reached out to Chime and was told someone would be in touch, but I never received that response So filed a complaint with XXXX  7. Chime XXXX  response to contact Support and IM PUT OFF FOR ANOTHER 45 DAYS
Product: Bank account or service

I received an offer to sign up for a Citigold checking account. The terms of the offer were that after meeting some requirements like, make XXXX bill payments using the account, I would receive XXXX Citi Thankyou points after no later than 90 days. I have met all requirements and Citi refuses to send my points. It has been much more than 90 days now.
Product: Credit card or prepaid card

I followed a complaint on XX/XX/XXXX with the CFPB and received a follow up on XX/XX/XXXX letter that XXXX will be following up. I never received any follow up from CFPB orXX/XX/XXXX afterwards so I called XXXX and was told my balance was XXXX. Recently I have started getting bills again for the same complaint that I believed was resolved. 

the complaint id is XXXX
Product: Credit reporting

I have reached out to Experian 8 times now about false information they are reporting in my credit report. Thus far it has been a year and to my dismay nothing has been done- I have not even received a response from them although my notices were sent registered mail. 
The XXXX erroneous entries are referenced below 1. XXXX Account Number XXXX 2. XXXX Account Number XXXX 3. XXXX Account Number XXXX 4. XXXX Account Number XXXX 5. XXXX Account Number XXXX
Product: Credit reporting or other personal consumer reports

Fraudulent accounts were open in my name without my consent or knowledge. I have filed a police report and filed a complaint of identity theft. For following accounts XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I made a purchase from XXXX using XXXX 's credit card ( ending in XXXX ) and I had a mis a payment. XXXX XXXX  who is the provider of the credit card reported mis payment and my credit score decreased by XXXX points on XX/XX/XXXX. When my bank informed me via email of the change in credit score, that's when I checked and realized I had an outstanding payment. Because XXXX 's do not send any emails or paper statement I forgot to pay. I subsequently paid the outstanding balance. After that payment I received a late fee of {$77.00} and I paid that too. Then I received another notification from my bank that my credit score had decreased again. When I check my credit report, it decreased by XXXX points because XXXX reported that I owned {$2.00}. 

I called XXXX and asked what was the {$2.00} for because there is no statement on the website explaining the {$2.00}. I was told its interest on the late fee that I had already paid. I asked why it was not included in the late fee itself and not after the fact. I paid the late fee as soon as it was posted on XXXX 's website. After contacting XXXX on XXXX different occasions the {$2.00} was withdrawn from the outstanding balance but the damage to my credit report remains. 

I think XXXX XXXX is conducting fraudulent practices and I begged for someone to please look into this matter so that my credit score can be corrected.