23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear CFPB, I am filing a formal complaint against Synchrony Banks XXXX for unauthorized charges and account mismanagement. 

We used XXXX for a XXXX interest-free automated payment plan with our veterinarian to XXXX XXXX XXXX XXXX XXXX XXXXXXXX. All payments were processed automatically through Synchrony Banks system, and we made the final payment on XX/XX/XXXX. After completing the last payment, we discovered an unexplained balance of {$230.00}. 

When we contacted CareCredit, we were informed that this balance was due to a Card Security fee. This fee was neither disclosed during the application process nor explained afterward. We were not informed of its purpose or calculation. The card was used exclusively by the veterinarian, and all payments followed Synchrony Banks automated schedule. We neither authorized nor knowingly agreed to this fee. 

To resolve the issue, I contacted customer service multiple times, engaged in live chats, and was transferred repeatedly between the credit card and " Card Security '' departments. Despite these efforts, no one provided a clear explanation for the charges. 

I was assured by several representatives that the {$230.00} charge was under review and that no interest or penalties would accrue during the process. Yet, on XX/XX/XXXX, we were charged an additional {$450.00}, with claims that the balance was unpaid. This is absurdwe had set up automatic payments to ensure all balances were paid on time, but this unexplained Card Security fee caused Synchrony Bank to violate the terms of the 6-month interest-free program. 

This reflects serious mismanagement : 1. Lack of transparency : The Card Security fee was never disclosed or explained. 
2. Failure of automated payment handling : The charges contradict the agreed plan. 
3. Conflicting information : Charges were applied despite assurances. 
4. Customer service failure : Multiple representatives failed to resolve the issue. 

I fulfilled my obligations in good faith and trusted their system. I expect a prompt resolution of this issue or will escalate further to protect my consumer rights. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I don't know what's wrong with Equifax but i already sent proof of my identity and yet they are telling me to send XXXX before they begin the dispute! This is harrassing my right! this is illegal! I want equifax to delete the fraudulent inquiries in my report as soon as possible in compliance with our LAW! 

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

Im making a statement I received a notification my equifax credit score has dropped XXXX due to an update on my XXXX XXXX account which shouldnt be in dispute I have not disputed my account with XXXX XXXX this is my actual bank account. This was done in error by equifax I repeat I have not dispute any accounts with XXXXXXXX XXXX. This account is in good standing why would I dispute it this was done in error by Equifax which is a violation of my consumer rights. I would like for this dispute to be closed, notify XXXXXXXX XXXX  right away this was done in error this has affected me XXXX XXXX emotionally and mentally.
Product: Credit reporting or other personal consumer reports

Under federal law late payments are illegal to report and they are not apart of consumer reports
Product: Credit card

I am writing to bring to your attention an issue with XXXX of my credit cards that are reporting late payments to my credit : XXXX XXXX ( # XXXX XXXX XXXX ) and Barclay ( # XXXX XXXX XXXX ). Although the late payments were accurate, the underlying cause was not so XXXX and white. During that time I was renting a home, for the most part with no problems. During the month of XX/XX/year> my statements for both cards were supposedly delivered by mail, both of which I did not get at all for XXXX or XXXX XXXX due to a bad postal service or the landlord who had the other mail key, who was doing something, either way, I did not get the statements. Then in XXXX we bought a home and provided a change of address to the postal service to forward my mail. I never recieved statements at my new address either. I was unaware of the balances due until XXXX when I happened to look at my credit score online on the XXXX  XXXX card I use daily and saw that it was more than XXXX points lower than it was the last time I looked. 
Now this is a XXXX XXXX and XXXX XXXX card that truthfully I never use, so I did not call to change the address and figured the postal change of address would suffice-lesson learned. But, XXXX XXXX and Barclay hold some responsibility in this too. They have various methods to contact me via email, or phone, none of which were utilized. If they have the power to drastically harm someone's XXXXredit score, they should also be held responsible for showing that they have attempted to contact the borrower several times and/or in different methods. If not, what is the point of having my email address or phone numbers? Additionally, I have always paid my payments on time, and the original amount due was only {$110.00} for XXXX  XXXX and {$79.00} for XXXX  XXXX Had I been aware of this, I would have paid it immediately. My other XXXX XXXX card that I have, has a monthly balance over {$1500.00} that is paid off, every month ... ... .MAKES NO SENSE!! By the time I realized the situation, my credit score had dropped from XXXX to more than XXXX points, and the amount had accrued significant late fees, which I paid off immediately. 
I tried calling XXXX XXXX numerous times to resolve these issues directly with them and to plead my case, but I have been told that there is no one that I can be transferred to in the disputes department, and that only mail can be sent to them. I sent a letter explaining all of this information, only to be sent back a quick letter response that their reporting is accurate. Very XXXX and white statement with no other room for anything else. This type of communication being limited to mail, has proven to be ineffective in resolving the matter. As well, the dispute with the credit bureaus was quickly termed as " resolved '' within XXXX weeks time without really any substantial information. 
I kindly request your assistance in addressing this matter and correcting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX TN, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Transunion credit report appears to still be showing negative account information prior to their unaccessible investigation that I can not check or access on my behalf after creditor already agreed for the accounts to be removed due to an identity theft report I filed against both creditors. I'm keeping complaint to retain for my records just in case for litigation purposes against the credit reporting company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting

I have submitted the attached documentation to the credit bureau and they will not delete this account from credit report. They have on more than XXXX occasion send a report and stated that the item remains.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mail was forwarded online at USPS to an unknown person at address XXXX XXXX XXXX XXXX Indiana in XX/XX/2022. Starting XX/XX/2022 they used my ssn and opened an account with XXXX XXXX XXXX  I contacted USPS and they opened a case to stop my mail being forwarded fraudulently. I told a rep for first XXXX I was the victim of identify theft and fraud. I also filed a police report with my town XXXX Police Department in XXXX, IL. I have a credit fraud and freezes on my accounts. They also tried to use my XXXX credit card but were denied. 

My credit has taken a massive hit and XXXX XXXX  continues to keep dinging my credit. 

The balance is over {$900.00} now that some person in Indiana racked up. 

My police report number with XXXX Police Department is XXXX
Product: Mortgage

I got this home loan XX/XX/XXXX through XXXX XXXX, 1 month later my loan was sold to Nationstar DBA Mr. Cooper and our payment was {$1200.00}. The 1st escrow analysis was done a year later as it should be in XX/XX/XXXX, Mr. Cooper claimed an escrow shotage of {$240.00} and my payment changed to {$1500.00}, a {$240.00} increase. That shortage amount should have been spread out over the next 12 months not the full amount added monthly, that totals {$2800.00} a year. Property taxes in my area did increase that year but not enough to justify {$240.00} extra per month increase .The second escrow analysis was sent to me just 7 months later XX/XX/XXXX, this time it was claiming to be over by {$65.00} and my payment dropped to {$1400.00}. This lasted for 5 months and I received yet another escrow analysis XX/XX/XXXX this time claiming to be short {$90.00} changing my payment now to {$1500.00}, a {$90.00} per month increase again instead of spreading the shortage over 12 months. Escrow analysis are to be done on an annual basis adjusting the mortgage payment accordingly whether is a shortage or overage that amount is spread over 12 months. My insurance is paid on an annual basis never fluctuating month to month, my taxes are the same only changing yearly, PMI should also not change month to month and interest stays the same so how in the world is this possible? According to my adding, my insurance is {$2700.00} a year ( {$230.00} per month ) Interest is {$9600.00} a year ( {$800.00} per month ) PMI is {$1300.00} a year ( {$100.00} per month ) and property taxes are currently roughly {$3200.00} a year ( {$260.00} per month ) Add this up and it comes to {$1400.00} require per month to pay the yearly amounts listed above not {$1500.00}. Where is that number coming from? I have tried so many times I've lost count to contact Mr. Cooper and only get an automated recording that never allows you to contact customer service. One time last week I pushed the number the automation gave to obtain a loan and actually was connected to a human. I explained my problem, he pulled up my account and he completely agreed with me that this was not correct and promised to have a supervisor call me the following day to help me with this issue, no one ever called. I tried to call again but this time when I was able to speak with a human they hung up on me. I dont know what is happening at Mr. Cooper but it is very obvious that someone is not doing their job. I know for a fact that we are not the only customers this is happening to.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this account at the earliest possible time. Also, the information you provided on this account is DELETED from other bureaus and I have doubts about the accuracy and the reported payment history on account is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the account be removed to correct the information. 
XXXX XXXX XXXX  XXXX XXXX .... Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Below are the inaccurate items from my credit report : Inquiries XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXX/XX/2022 Late Payment XXXXXXXX XXXX XXXX # XXXX
Product: Checking or savings account

On XX/XX/2024 & XX/XX/2024, I applied for credit at Well Fargo application # XXXX. At this time, my application was not return to me. I gave Wells Fargo a Security Collateral aka my application and Per Wells Fargo & Wells Fargo Company Security Exchange Commission filings & indenture agreements- they can take all applications whether its denied or approved & turn those receivable and turn them into cash to securitize with their XXXX Bank with XXXXecurity Exchange Commission. I want my Application/securities RE TRACK from wells fargo. I'm don't want wells fargo to profit from my security collateral since I never received any fair exchange with them. And, I'm also requesting the 1099b tax form to completed and forward to me, since i did XXXX transaction with wells fargo according to IRS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This loan dose not belong to me and if this can be removed from my credit report i would appreciate if you can delete these items so i can further my family feature.
Product: Credit reporting or other personal consumer reports

EXPERIAN / XXXX / XXXX HAVE REPORTED OVER XXXX INQUIRIES ON MY CREDIT REPORT WITHOUT MY PERMISSION WHICH IS A VIOLATION OF MY PRIVACY RIGHTS PER 1.THE PRIVACY ACT OF 1974 2.15 USC1681 ( B ) PERMISSABLE PURPOSES THEY WERE ALSO SUED FOR THIS BY THE FTC IN XXXX XXXX XXXX FOR THE SAME ACTIONS. 

XXXX, doing business as Experian XXXX XXXX, will pay {$300000.00} to settle Federal Trade Commission charges that ads for its free credit report offer failed to disclose adequately that consumers who signed up would be automatically enrolled in a credit- monitoring program and charged {$79.00}. The FTC alleged that the failure to clearly disclose the enrollment and charges violated a previous settlement. 

In XX/XX/XXXXXXXX XXXX, paid {$950000.00} to settle FTC charges that it deceptively marketed free credit reports. According to the FTC, XXXX offered consumers a free copy of their credit report and added that they would provide 30 FREE days of Credit Check Monitoring. The FTC alleged that XXXX advertising and Web sites failed to explain adequately that after the free trial period for the credit-monitoring service expired, consumers automatically would be charged a {$79.00} annual membership, unless they notified the defendant within 30 days to cancel the service. XXXX billed the credit cards that it had told consumers were required only to establish your account and, in some cases, automatically renewed memberships by re-billing consumers without notice. In addition to the {$950000.00} payment, the settlement required XXXX to pay redress to deceived consumers, barred deceptive and misleading claims about free offers, and required clear and conspicuous disclosure of terms and conditions of any freeoffer. 

The FTC alleges that XXXX ran ads after the settlement that violated the disclosure requirement. The settlement requires XXXX to give up {$300000.00} in ill-gotten gains, and bars it from misrepresenting any affiliation with the annual credit report available to consumers under the Fair Credit Reporting Act. 

The stipulated judgment and order named XXXX XXXX XXXX doing business as Experian XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX. 

The Commission vote to accept the supplemental stipulated judgment and order was 5-0. It was filed in United States District Court for the XXXX XXXX XXXX XXXX  in XXXX XXXX.
Product: Debt collection

XX/XX/XXXX Services at XXXX XXXX Hospital XX/XX/XXXX Bill received {$34.00} XX/XX/XXXX Bill paid via check # XXXX XX/XX/XXXX Check processed, verified via bank XX/XX/XXXX Bill again for same services {$34.00} XX/XX/XXXX Called XXXX , spoke to XXXX about bill already paid, said a search would be run XX/XX/XXXX Received notice of Collections for {$91.00} from XXXX XX/XX/XXXX Attempted to call Nationwide spoke to XXXX who could not help
Product: Money transfer, virtual currency, or money service

Last year on Zelle I had a payment of XXXX sum dollars maybe XXXX and I dont use Zelle so I complained about it to there customer service and they said nothing could be reversed
Product: Credit reporting or other personal consumer reports

I am sending to formally dispute the inaccurate or misleading information on my credit report. Specifically, I request the removal of the following inquiries, as I did not authorize these lenders to make any inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agencies stated my account was properly investigated but how is that possible if the accounts are inaccurate. This is grounds for removal and they also violated my rights under 15 USC 1681 602 a states I have the right to privacy and 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15U.S.C. 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 

Inaccurate accounts XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX US DEPT OF ED/XXXX # XXXX ( multiple accounts ) same acct number XXXX  acct # XXXX XXXX XXXXXXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX I want a {$1000.00} per violation or accounts removed from my credit report
Product: Debt collection

On about XX/XX/XXXX, a notice was received from XXXX XXXX XXXX , XXXX. about a health club membership that was in collection for a gym called XXXX XXXX in New Hampshire. After looking into the membership ( my daughter 's ) and actions taken, I saw that my daughter had followed procedures to end that membership in XX/XX/XXXX. 

I contacted XXXX XXXX at XXXX XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX to discuss. My daughter contacted him prior to my conversation to allow me to speak on her behalf. XXXX told me that it didn't matter if she had cancelled her membership, and in fact that nothing she had done up to that point mattered at all, the only thing that mattered was that she owed {$190.00} and had to pay that. 

I tried to explain what actions had been taken up to that point, but he just spoke over me and was clear in that he had no interest in anything that I had to say. 

He said that if she didn't pay the {$190.00}, the amount would go up. When I asked why it would increase ( concerned about timelines with payment ) he said that legal fees when they sue her would be tacked on to the amount and suggested that it would be about {$1800.00}. 

I tried to further explain that she had cancelled by emailing the contract company and XXXX told me that email was not an acceptable way to cancel her membership, and that in fact the only way to cancel was for her to send a certified letter requesting cancellation with 30 days notice. I contacted the contract company to learn that was not true, and in fact email is the appropriate way to cancel. 

Even after hearing these facts from me, XXXX continued to apply pressure for this debt to be paid, threatening action with the credit bureaus to damage my daughters credit rating. 

We will pay this debt out of fear for her credit, not out of the legitimacy of the debt. Since the amount is so low, it isn't worth even seeking relief through the court because legal fees would eclipse the {$190.00}. But, the practices of XXXX XXXX XXXX , XXXX and XXXX XXXX should not be allowed to continue. He illegally threatened legal action, made false statements about the cancellation procedures that should have been followed and continued to attempt to collect a debt where serious doubt should have existed as to it's validity. These are all illegal actions on his part. Not once did he even say that he would look into the debt 's validity or attempted cancellation of the gym membership. 

He likened himself to a judge and indicated that there was no higher authority than himself in this matter. When I contacted customer care at XXXX XXXX, those emails were immediately forwarded to XXXX, which caused some further concern on my part as to me being able to find any acceptable resolution.
Product: Credit card or prepaid card

statement due date XX/XX/21 paid XXXX XXXX more than purchases and the difference doesnt get applied to my promotional balance.this happened also on XX/XX/21, XX/XX/21, XX/XX/21 and XXXX.i called the company and they said i have to call them after the payment and request the extra money to be applied to the promotional balance. I don't see where the extra money goes, it seems to go nowhere the promotional balance doesn't go down the XXXX extra dollars every month. It seems the company is misleading consumers and using deceitful billing practices.everytime i call customer service they can't give me a reason or answer.
Product: Debt collection

I was ruined by XXXX, and for a long period of time I was using my savings to maintain my payments on credit cards. Eventually I just ran out of savings and making payments were not possible. However, I was hoping that your financial institution would eventually sell off my debt to a third-party debt buyer. Or at least make an offer in compromise to resolve the account. That has not happened. Accordingly, I am reaching out to see if a reasonable offer is possible. I have no other recourse but the reach out through the Consumer Financial Protection Bureau ( CFPB ). I do realize that bankruptcy is an option, but I wanted to see if there was an alternative. Please reach out to me through the CFPB. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : Account name : -XXXX XXXX XXXX and account numberXXXX