23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

For the last few months, I have been making payments of $ XXXX- {$35.00} OVER the minimum payment in order to reduce the cash advance balance, which has a higher interest rate. For example, my minimum payment in XXXX was {$54.00} but I paid {$85.00}. The purchase balance was {$60.00} at 15.99 % and the cash advance balance was {$1900.00} at 20.99 % interest. I did make one purchase  on this card last month in the amount of {$20.00}. I received my new statement today. My purchase balance went down to {$29.00} and my cash advance balance went up to {$1900.00}. I thought that payments made over the minimum balance were required to be credited to the higher interest balance first, but it isn't happening. I contacted Chase last month about the same issue, because I again paid {$27.00} over the minimum payment in XXXX, with XXXX purchase of {$24.00}, yet my purchase balance dropped to {$60.00} and my cash advance balance increased from {$1900.00} to {$1900.00}. They claim that they are applying my payments properly, but I disagree. Isn't it illegal to apply extra payments to the LOWER interest rate balance first?
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter on XX/XX/XXXX to remove personal information that i do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802 No one has my permission and I do not do business with these companies. 15 USC 1681 ( n ) These are clear violations to my protected consumer rights
Product: Credit card or prepaid card

Disputes on this card not resolved by the bank for over 12 months and very poor communication. 

XXXX XXXX XXXX staff are useless and please close this card and issue me a full refund on credit balance and disputes
Product: Debt collection

XXXX   XXXX   Military  XXXX ,  Veterans Administration are yea rs behind paying medical bills that they are responsible f or. Hospital, and their Attorneys put a l ean against my home. Plus I have partial  XXXX , have had  XXXX  for a short period of time. I have always had  Insurance. It 's not my fault that my Insurance is slow paying this dept, and I should n't be held responsible for this dept in question. Thank you for your time, and your cooperation with this matter. Hope to here from  you soon.
Product: Checking or savings account

Truist bank decided to declare my account as fraud. They shut me out of my. Account last week of XXXX, did not pay my automatic withdrawals so I lost my life and car insurance and a payment for a personal loan. I was told i couldn't spend my money how I wanted. I have a friend XXXX who does not work in a country with Wi-Fi internet towers plastered everywhere consequently he and his workers use steam cards. The site said they could. They need to upgrade apps, talk to banks and businesses. Excuse me I know this person. At the same time he had deposited checks into my account. At this point I told him not to approve as the bank said they were closing my account to fraud which I said wasn't. I didn't get anything from the bank about a problem until after XXXX, consequently they held my automatic deposit and I couldn't pay bills, get food, gas nothing. I am XXXX  XXXX I want an apology, double my direct deposit amount and their higher than XXXX attitude diminished. Since when can we not spend our own money for a friend and not told it's fraud. XXXX XXXX XXXX and now I don't want a us bank. Something is wrong with this system. I earn, I spend not fraud. Those two deposits were to be placed on hold, but they moved to my account causing overdraft fees, one hand doesn't know what the other is doing at this bank.
Product: Money transfer, virtual currency, or money service

I am deeply concerned about Zelles poor handling of disputes, especially after losing hundreds to a scammer while using the platform. Despite promptly reporting the issue, neither Zelle nor my financial institution offered meaningful assistance, claiming that recovering the funds was impossible. This lack of protection, compounded by the CFPBs findings about Zelles vulnerability to fraud, highlights a system that leaves consumers exposed to repeat offenders. I support the CFPBs efforts to address these failures and hope their lawsuit will lead to stronger safeguards for users.
Product: Checking or savings account

Recurring debit : XXXX XXXX XXXX XXXX Completely fraudulent. Bank of America wants me to call customer service ( XXXX ) XXXX to file a claim, close my account, and issue me a new debit card as a singular resolution to the issue. 

Unable to put a stop on the recurring erroneous transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX The account closed and charged off and I have called them several times to pay the account or pay a settlement offer if there was one each time I called they told me they are not taking any payments on the account And there was nothing I could do I have asked equifax to remove this account from my credit report and they will not do so This is hurting my credit and I need this account to be closed and removed The balance on the account is XXXX
Product: Credit reporting or other personal consumer reports

XXXX {$1800.00} Account was sent to collections
Product: Credit card

SUMMARY : I signed up for an Amazon card late last year which reflects charges I do n't recall making. I received XXXX email letting me know I was past due in XXXX and XXXX paper invoices ( XXXX and XXXX in XXXX of XXXX ), but neither of the notices listed the line items for the charges. I now have a collections agency after me and despite my multiple attempts to find out what the charges are for, I can not get an answer. 
BACKGROUND : In XXXX of XXXX, I received my first email from Amazon.com telling me my card is past due. I attempted to log into my account to understand what those charges are. I successfully logged into my Amazon.com account, but the Amazon Credit Card required a separate log which I do not have, nor did I ever have XXXX. I then attempted to log in through the " I forgot my user name '' and then " I forgot my password '' and could not get in. 
On XXXX XXXX, I called the Amazon Credit Card / Synchrony bank and managed to get my account number. While on the phone, I requested information on the charges. I had my address, SSN and any security information, but they told me they could not see what the charges were for. 
I then attempted to log into my account again, I entered my credit card number and it came back to me with, " card not registered ''. 
I received XXXX paper invoice in the mail while I was out of town a few weeks ago. Today, I received a second invoice and notice from a collection agency for my Amazon Credit Card. 
I called the collection agency, they transferred me around a few times and I finally made it to a manager. I spoke with " XXXX XXXX '' XXXX XXXX/XXXX/XXXX ) at XXXX XXXX about the collection notice. Explained I made several attempts to understand what the charges are for and I still do not have an answer. Therefore, it is difficult for me to send anyone any money unless I know the charges belong to me. She said she would " request for a letter '' to find out what those charges are for, but I had to pay her {$25.00} in order to remove the " delinquent '' status on my account. I explained I am not willing to pay any money until I know what the charges are. She told me to call customer service at Synchrony. 
I called Synchrony, entered my credit card number and last XXXX digits on my Social Security Number. I made it to a representative, explained the situation and they said they " have limited access and I would have to call customer service ''. When I got off the phone I realized the number the collector and Synchrony gave me were XXXX and the same. 
If I did make the charge and I can not recall, I am more than happy to pay for the items, but I find it difficult to pay for something I do n't even know if it belongs to me and it is impossible for me to find out. 
I can use your assistance in finding out what the purchases were for and if they do belong to me. 
Thank you. 
Kind regards, XXXX XXXX XXXXXXXXXXXX ( XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/24 I attempted to make a purchase using my PayPal account. I was told that it would not go through due to non sufficient funds. I knew I had just put money in this account the night before so I had them check again and the same thing came back. I then logged into my PayPal account and saw there was a {$0.00} balance and a recent withdraw transaction to a bank I had never heard of in the amount of {$330.00}. I then called PayPal to report/inquire and they said they have opened an investigation but that can take many days. I let them know that I needed to refill my medicine or I could have serious issues. That doesnt matter to them apparently since I have not received my money and there are no updates from them. I need your help.to get my money back to me so that I can get my medicine and because the money was stolen from my account. 

Sincerely, XXXX XXXX
Product: Debt collection

Received a letter in the mail from IQ Data International saying that I owed an amount of {$2100.00}. Upon reviewing the letter is called and spoke to an agent saying that I do not owe anything because I moved out a year before. The agent told me that well since you moved out there shouldnt be a reason that youre getting charged. So I asked him what should I do and he suggested a send in an email to the dispute center so XX/XX/XXXX I sent in an email disputing the debt saying that I moved out in XXXX of XXXX and did not renew the lease with my family in XX/XX/XXXX, and also sent them proof of the lease. So 2 weeks passed by and seen that I havent recant update so I called them again in XXXX and spoke to an agent wondering when I was going to get a response and he said it takes up to 4 to 6 weeks and so I decided to explain my situation again and this agent was so rude did not want to listen to what I had to say, and saying that information was correct and said that I did sign the lease when I didnt and just kept going back and forth with me. So now its been a month and half still no update via email or letter. I never had a contract with the debt collector for any debt, they couldnt even provide me with the correct information, the reps are rude and are not willing to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts and a bankruptcy. Please remove these fraudulent accounts from my report as soon as possible. 

XXXX XXXX {$130.00} XXXX XXXX XXXX   XXXX {$160.00} COLLECTIONS XXXX {$180.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 4 separate unauthorized transactions to withdraw money from my Cash App account was initiated, 1 was cancelled, 2 was denied for potential fraud, and 1 was approved, the 1 approved was previously denied.

The 1 that was approved was to XXXX XXXX XXXX which I believe are fake and I have never did any business or authorizations with them.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the 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 infeasible. The CFPB 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 consumers safety.
Product: Credit card or prepaid card

I have a credit card issued by Bank of America. That card was stolen XX/XX/2021 - the theft was reported to B of A following fraudulent charges in excess of {$1200.00}. 

The short story : Bank of America refused to waive the charges. I wrote Bank of America explaining the situation and included the police report. They refused again. 

I filed a complaint with your organization ( Complaint ID XXXX ). Your Consumer Portal indicates the file is closed - seems Bank of America responded. 

I'm making minimum payments on the fraudulent charges to maintain my credit score but get no satisfaction or explanation from Bank of America. 

Where do I go from here? 

PS : I have a voluminous file but have no idea how to copy ( or upload ) documents
Product: Credit card or prepaid card

On XX/XX/XXXX I upgraded my Hilton Honors American Express credit care to to Hilton Honors Aspire card. The terms of the offer were that the first year of membership would be a cost of XXXX XXXX XXXX XXXX dollars and the second year of membership would be a cost of XXXX ( XXXX XXXX dollars to be pro-rated from the date I upgraded to the date I first acquired the Hilton Honors American Express credit card. I received a letter that the annual charge of XXXX XXXX XXXX XXXX XXXX XXXX dollars is due on XX/XX/XXXX. A call to American Express informed me that this offer was a technical mistake and they are not going to honor the terms of the offer ( described above ).
Product: Checking or savings account

I opened my account at Bank of America in XX/XX/XXXX. In XXXX XXXX XXXXXXXX, my account was blocked and any money going out kept getting declined including my card payments. I reached out to our RM and was told that my account is under review by the bank and it will take about 30 days for an answer. After the 30 days were over, we reached out and were told by our RM that our account is under review by the fraud department and will take another 90 days or more for an answer. 
We have tried to reach out to the bank and our RM via calls as well as emails to ask them what they thought was suspicious so that we can help them with the clarification by showing them our documents. However, we have gotten no response. The bank wants to do its own investigation without even asking for any documents. 
It has now been over 50 days since our account has been locked. We have {$110000.00} that has been frozen by the bank in that account and because of that, we are defaulting on a lot of payments to our suppliers as well as not being able to deliver the goods to our buyers who have given us the payment. 
We are on the verge of going out of business completely if this isn't resolved very soon. I am attaching the bank statement for the month of XX/XX/XXXX where you can see none of my payments were going through. I am also attaching the email thread of my conversation with the RM who didn't reply at first but when he did he said there is no update and we will have to wait.
Product: Mortgage

I paid an account with Truist via their online portal for the full amount on XX/XX/23 for {$2700.00}. SunTrust did not process my payment timely. I called SunTrust on XX/XX/23, concerned that my XXXX payment wasn't processed as made XX/XX/23 the next business day of XX/XX/23. 

I called in the payment to a representative since the payment portal would not take my monthly payment. The XXXX payment was submitted to a representative who did not see my account ending in XXXX on her system. The monthly payment was confirmed on XX/XX/23 with transaction # XXXX. 

I did not get an email notification of the error payment made by Truist for {$380.00} or the actual payment I authorized on XX/XX/23 of {$2700.00}. 

The Truits online payment portal is malfunctioning, processed payments that are not authorized {$380.00} ), and it does and did not notify me of payment in time to correct and make sure there is no late payment.
Product: Debt collection

Ally Financial placed a bad debt on my credit report and inadvertently it lowered my score. I contact Ally to inform them that per the divorce decree this debt does not belong to and this has been communicated to them several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only correct date of birth is : XX/XX/1993 I do not wish to have any telephone number on my report. Below are the negative account / accounts impacting my credit. XXXX XXXX XXXX XXXX {$160.00}. XXXX XXXX XXXX {$520.00}. XXXX XXXX XXXX {$500.00}. XXXX XXXX XXXX XXXX {$780.00}. XXXX XXXX XXXX {$2300.00}. XXXX XXXX XXXX XXXX {$0.00}. XXXX XXXX XXXX XXXX {$0.00}.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX - XXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. XXXX! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX - XXXX - My information was impacted by the XXXX XXXX breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

This account is showing up on my credit reports stating that I owe the amount of {$1100.00}. On XX/XX/XXXX I sent a letter to Resurgent/XXXX requesting proof of verification with my original signature, which I did not receive. I made another attempt on XX/XX/XXXX to obtain proof which again I did not receive. Their last correspondence with me was XX/XX/XXXX in which they provided an " account summary '' as verification of the debt. As per the FTC, a printout of a bill or itemized document does not constitute verification.
Product: Student loan

In the spring of XXXX I read about the Public Service Loan Forgiveness Program and the possibility of some if not all of my student loan debt relief. I contacted my loan provider at the time ( Department of Education ) and was told that in order to qualify for the Public Service Loan Forgiveness Program I would need to consolidate my loans into a Direct Loan program and change my payment plan. I did this and on XXXX of XXXX all of my loans where consolidated and then managed by XXXX XXXX/Navient. I was told that the payment plan I was in qualified towards this program and all I had to do was make 120 on time payments, which I have been paying for four years. In XXXX of this year ( XXXX ) I submitted the paperwork to the government to see where I stood in the program and at that time the servicing of my loans was transferred to XXXX XXXX XXXX. I just got off the phone with XXXX # XXXX at XXXX and as of today, XXXX XXXX, XXXX, the 50 payments I have made since XXXX XXXX do not count towards the PSLF program because I was not in a qualifying repayment plan. I am very upset by this and feel that I had been taken advantage of by XXXX XXXX/Navient and misled by the information given to me over four years ago.
Product: Checking or savings account

Usaa closed my account after a deposit of XXXX Went into the account. They told me they had to wait 60 days after the account closed to send me a check. This is not so, if they closed my account they have to send me a check now since it is closed. They chose not to do business with me, fine, but they cant try to steal my money by sending a XXXX check to me either in 60 days After it is closed. They confirmed 3 times that it was closed. When I asked them to send it they said it would be 60 days which is illegal. They closed my account the second it was deposited.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I used BB & T online bill pay to pay my daughters XX/XX/XXXXreal estate taxes to XXXX XXXX, XXXX County tax collector. It was insufficient due to a late penalty being added, so they returned it to my bank account XX/XX/XXXX by the same electronic transfer thru their XXXX   XXXX XXXX. 

( See next complaint against XXXX XXXX XXXX ) ( Returned funds yet to be received by BB & T )
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items in these reports that are utilizing my credit without my permission, and putting accounts that I have already reached out to to prove their allegation for the account they're claiming. I've sent numerous documentation providing lawful information proving the debt doesn't belong to me and that I had no relationship with them. Yet, they have not been able to provide those registered sent information. 
XXXX  is an old account that is paid off, yet they have adverse information affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Collection Bureau of America several letters requesting validation of alleged debts they claim I owe. They in return, sent me a ledger history and have yet to provide documentation that bears my signature showing that I have entered into a contractual agreement with them. These derogatory comments are still reporting on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Last reported XX/XX/2021 {$480.00} Open balance XXXX Original creditor Is not my account. I have no knowledge of this account please remove.