23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I use my bank 's automated bill pay service to pay my monthly minimum for my Amazon XXXX Credit Card issued by Synchrony Bank. My due date is the XXXX and my minimum is {$50.00} to which I add {$5.00} for a total payment of {$55.00}. Synchrony receives this payment on the XXXX of each month. In the month of XXXX ( likely due to the holiday weekend ), my scheduled payment failed to process on time. My bank notified me of the failure so I made a one-time payment on Monday, XXXX XXXX through Synchrony 's website for {$55.00} dollars. The payment was 1 day late. When the billing cycle ended on XXXX XXXX, Synchrony assessed a fee of {$25.00} for the lateness. This fee seems to have been added to my minimum monthly payment for a new required payment of {$76.00}. I did not notice the increase. 

On XXXX XXXX, my bank processed my regularly scheduled {$55.00} dollar payment. Because it did not meet the new minimum, I was assessed another fee of {$35.00} for lateness. This cycle repeated itself in XXXX, XXXX and XXXX for a total of {$160.00} in fees and a minimum monthly payment for XXXX totaling {$200.00}. Synchrony bank made no reasonable effort to contact me about the delinquency on my account until XXXX when their collections department reached out by phone. I was receiving a regular monthly statement via email but because the payments are automated and were going out as scheduled and because the emails did not mention any problem with my account that would warrant further investigation, I was not aware of the issue. By the time Synchrony called, they had already assessed four months of late payment fees and were seeking a {$200.00} payment to bring my account current. 

While this lack of communication is atrocious customer service on Synchrony 's part, my complaint centers around what I believe to be an instance of illegally pyramiding fees. As I understand our regulatory laws, a credit card company can not apply your payment to a fee first and a minimum monthly payment second so that the amount can not satisfy the minimum monthly requirement and cause the customer to incur yet another fee. Since I continued making on-time payments that satisfied my minimum payment less fees, it seems to me that I should not have incurred additional late fees after XXXX. During this time, no new purchases were charged to the account that would have otherwise affected my balance and minimum monthly payment. The only change that can account for increases to my minimum monthly payments are the fees Synchrony added to my account. 

Please apply your legal expertise in this case. If Synchrony is not in compliance, I seek a refund of all fees incurred after and as a result of the XXXX late fee and a return of my minimum monthly payment to {$50.00}. I have reached out to Synchrony bank and they agreed to remove XXXX the fees but refused to lower my monthly payment for XXXX and could not guarantee that my minimum monthly payment would return to previous levels in XXXX.
Product: Payday loan, title loan, or personal loan

The Company sent me a statement to my address and saying that I owed them {$1000.00}. I have sent them several letters telling them that this is not my loan nor did I ever apply for there services. Every time I have sent them a letter to the address it is sent back to me telling me that this address is no longer in service.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regrading multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns withe the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX PA XXXX ; XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX .... Balance : - ; XXXX XXXXXXXX .... Balance : - ; XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX XXXX XXXX. Balance : {$0.00} ; XXXX XXXX XXXX  XXXX .... Balance : - ; XXXX XXXX XXXX XXXX  XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX .... Balance : {$850.00} ; XXXX XXXX  XXXX XXXX .... Balance : {$100.00} ; XXXX XXXX  XXXX XXXX XXXX .... Balance : {$720.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3000.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/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 ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am writing to request the removal of unauthorized credit inquiry/inquiries on my ( name of the credit XXXX XXXX Experian and/or XXXX ) credit report. My latest credit report shows credit inquiry/inquiries that I did not authorize. 

Account name XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX Account name XXXXXXXX XXXX  XXXX Date of request ( s ) XX/XX/XXXX Account name XXXXXXXX XXXX XXXX  Date of request ( s ) XX/XX/XXXX Show more Account name XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX XXXX XXXX  Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX XX/XX/XXXX Account name XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX  Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX Date of request ( s ) XX/XX/XXXX Account name XXXX Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX  Date of request ( s ) XX/XX/XXXX XX/XX/XXXX Account name XXXXXXXX XXXX Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX Date of request ( s ) XX/XX/XXXX Account name XXXX  Date of request ( s ) XX/XX/XXXX Account name XXXX & XXXX Date of request ( s ) XX/XX/XXXX Account name XXXXXXXX XXXX Date of request ( s ) XX/XX/XXXX Show more Account name XXXX XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX XXXX XXXX  Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX XXXX XXXX Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX XXXX  Date of request ( s ) XX/XX/XXXX Account name XXXX XXXX Date of request ( s ) XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX Consumer Financial Protection Bureau 1700 G Street NW Washington, DC 20552 Subject : Complaint against TransUnion for Violation of FCRA Dear Sir/Madam, I am writing to file a formal complaint against TransUnion for what I believe to be a violation of the Fair Credit Reporting Act ( FCRA ). 
I had previously contacted TransUnion on XXXX regarding a Bankruptcy on my TransUnion credit report that is not mine. As per the FCRA, I requested detailed information and documentation related to their investigation of my dispute. However, despite my repeated requests, TransUnion has failed to provide the necessary information and documentation. 
This lack of transparency and failure to provide the requested information is, to my understanding, a violation of the FCRA. The FCRA clearly states that consumers have the right to know the information in their file and the right to dispute incomplete or inaccurate information. 
Furthermore, due to TransUnion 's non-compliance with the FCRA, I have been unable to secure credit. This has caused me significant financial hardship and distress. I believe that TransUnion is liable for monetary damages due to their violation of the FCRA and the subsequent impact on my ability to secure credit. 
I kindly request the Consumer Financial Protection Bureau to look into this matter and take appropriate action. I am hopeful that your intervention will ensure that TransUnion complies with the FCRA and provides the necessary information and documentation related to their investigation. 
Please find attached copies of my correspondence with TransUnion for your reference. 
Thank you for your attention to this matter.
Product: Credit card or prepaid card

LOWES CREDIT CARD BY SYNCHRONY BANK : 1st Issue : I have filed multiple disputes and spoken with agents multiple times concerning being charged interest and not receiving a credit on a stove purchases. I bought 1 stove, was charged 4 times, issued 2 credits. One credit missing of {$900.00}. I was sent a letter stating the error was found and a credit would be issued. The credit never came. I called back to ask for when the credit would be issued, instead I received another letter stating the credit had already been issued.

2nd Issue : All of my purchases are promotional purchases. I pay off the promotion each time. When I have been charged interest, I have paid the promotional portion at that time then a credit of the interest has been applied. I set up my payments to go towards the oldest promotional item to insure they are paid off by the time the promotion ends. In the past I have called and was issued the credit.

Every time I return an item, cancel, or do not receive an item, If I do not call to request the credit, the charge remains on my account until I call to complain. I have found a few representatives that stated I was charged in error or the promotion was not added properly, or my payments were mis-applied, or the credit was documented by not applied.

Their representatives lie. I was supposed to receive a stove in XXXX. They called and said they were on their way. Never showed up. They canceled my order. 

I received a scratched washing machine, the delivery person stated I would receive a {$100.00} credit. It was on the receipt he left me but was never issued. I asked for an audit of my credit account listing all of my payments, credits, returns, and cancellations. They wanted me to pull all of the information and fax it to them after the latest representative told me the reason for the interest since XXXX is actually for a promotion that ended in XXXX. The representative I spoke to before that representative stated the interest is from a purchase from XXXX. My purchases are small purchases. I ensure when I make purchases, there is more than enough time to pay off that purchase. 

They sent me a survey the other day. I gave them a XXXX on the first question. Then I received a message the survey had expired. It was in my email box only 1 day. I have spent hours on the phone with their customer service and dispute teams without resolution. It should not be this difficult to find their errors. The stores are much better to deal with. They issue the credit on the receipt but I still have to call the credit card company to ask for the credit. 

I liked the promotional periods and the military discounts but this scenario has done it for me. I am done!!! Do not give them your time or money. The worst customer service and dispute department ever. How can you record a dispute but are unable to see the information the consumer is referring too. What sense does that make. Done!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account several times and can not get anything resolved. I even have a letter stating that Comenity Bank investigated and found the account to be fraud!!! Yet they continue to bill me and put delinquent status on my credit report. If this account is fraud then how can I be delinquent??? I also found on XX/XX/2020 on my XXXX report that Comenity had XXXX accounts for me!!!! Imagine my surprise to have opened XXXX accounts on the SAME DAY unknowingly!!! And charge on BOTH accounts!!! I am getting sick of seeing Victoria Secret bills and Comenity Bank being on my credit report. Then after requesting for them NOT to contact me ... .I got a call today wanting to discuss my dispute!! There is nothing to discuss. I have a letter stating it is fraud yet Comenity continues to post as I am delinquent. This needs to be removed from my credit report, all XXXX, immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite sending them the last complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING INQUIRIES ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021
Product: Mortgage

Due to a loss of my job and other financial issues my mortgage company at the time XXXX began the foreclosure process on me. On XXXX XXXX XXXX I spoke with XXXX at XXXX XXXX in the Loss Mitigation dept. she said we could do a trial payment for 3 months, then it will be reviewed for a loan mod. On XXXX/XXXX/XXXX I spoke with XXXX at XXXX, she said our loan modification was denied and for us not to make anymore payments. 
In XXXX of XXXX we discovered we might have a sinkhole on our property and filed a claim with our XXXX XXXX XXXX XXXX. They did a survey of our property with special X-ray machines and stated we did n't have a sinkhole, our attorney hired a specialist who had a lot of questions about their reports. After a lengthy process we finally settled out of court in XXXX of XXXX and received a settlement check for {$160000.00} Our attorney XXXX XXXX advised us to not sign the check and send it into XXXX without having some type of signed written agreement on how it would be split up, he had a previous client with the same issue that we had and XXXX took the check and paid off his mortgage and did not leave the client enough money to repair the house. 
. Our new attorney XXXX XXXX was hired and he contacted XXXX to try to get an agreement on how to handle the division of the check ( he had to file an XXXX XXXX ), so that we could avoid racking up late fees on our mortgage etc. We had numerous hearings with the Honorable Judge XXXX XXXX, he would ask XXXX/SPS ( at some point XXXX sold or transferred our mortgage to SPS ). to bring someone to the hearing with the authority to make a decision on this and they never would, ( this happened quite a few times.So the case kept getting postponed meanwhile our late fees and interest kept adding up. 
Finally we agreed on the division of the check in XXXX XXXX ( see attached court documents ). We finally got the house fixed and moved back in on XXXX of XXXX. The problem with this is we had to come up with {$13000.00} of our own money to cover our expense when we moved out of the house for repairs. Per the joint stipulation agreement we were to be out of the house for 3 months and it would be finished and we would move back in. The delay by XXXX / SPS in getting the check to the XXXX caused the delays that cost us the $ XXXXXXXXOn XXXX/XXXX/XXXX we hired a new attorney XXXX out of XXXX Florida . 

In late XXXX XXXX I received a letter from SPS dated XXXX/XXXX/XXXX that we have been approved for a HAMP Tier 1 Trial Modification, the problem is they have made several errors in there calculations of what my home is worth and my income. 

XXXX/SPS has repeatedly disregarded what the judge in our case ordered and was never held accountable to this.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Attorney General Child Support account # XXXX, Attorney General Child Support account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXXXXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Prepaid card

around XXXX I applied for unemployment my claim ended in XXXX. Than when I reapplied and rectified I thought I was denied. than I put claim after claim and I was and when XXXX my mother brought me a card from her apartment. It was suppose to be send to XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. Not once did this happen but twice. when I continued to call about the eligibility the representative from XXXX said I was denied or did not make enough. Which I thought was odd. So when my card was brought to me from the easet there was money on it. I called the bank and they said they deposit from my unemployment. So I went online and notice purchases and deposits that er  made and not from me. I called XXXX and Bank of America and noticed that something was not right. There was over {$50000.00} XXXX. missing from my bank starting with the account and email address as XXXX and now XXXX. When me and the claims rep discuss the transactions of over XXXX disputes that were done. I thought they would credit me some money. so far from XXXX I only received no more than {$2000.00} XXXX. Also I notice that my XXXX pay was was stolen. It was suppose to arrive on XXXX XXXX in XXXX XXXX XXXX XXXX. I never received the card and the Bank of America hung up on me over XXXX to XXXX times. They were very rude very disrespective and not professional about them make XXXX transfers without my permission. and they allowed people to make deposits and go in and take money. MY card is a government card so how could the bank do such action against me and my request of my money that they transferred. The traction 's were made and deposit of the XXXX was transferred to another account at the same time. I want them to all records of my account XXXX can you please investigate this for me.
Product: Debt collection

Arivo Acceptance has repeatedly contacted my significant other ( unmarried ) leaving details of the status of my loan on his voice-mail ( voice-mail have been saved as proof of third party disclosure ) which also does not identify him personally but is an automated message that only states his phone number. They have done this with my relatives as well and constantly disclose my sensitive information to third parties. They have also drafted a payment from my account that I did not authorize and constantly harass me by calling several times every day, sending emails, and then calling my family members. I have asked for assistance as I have been struggling with a loss of income due to the pandemic and they are not willing to help but instead just continue to use what, in my opinion, is abusive/harassing practices, causing extreme stress to the point I am becoming physically ill. They also have sent me information regarding another person 's account which concerned me and they include my account number in the emails which I feel is risky if like in the case where they sent me info, what if it gets sent to someone else as which is another violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all Experian, XXXX XXXX XXXX about items on my credit report that are incorrect. Its been a month and I haven't received a response. I'm a single mother that is trying to by my family a home and this is the only thing i have left that is stopping me in the process.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year>. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. Below are the details of the disputed account : **Account Name : ** XXXX XXXX XXXXXXXX XXXXAccount Number : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian said they looked into/confirmed a bankruptcy on my credit i disputed it and they claim they confirmed it with a company and i believe i have a right to know the name of said company and person [ s ] that confirmed it or were talked to. There are at least 3 things wrong on my credit 1 the bankruptcy 2 wrong spelling on my middle name 3 they say i worked for some company i have never heard of but? they removed that. i'm not calling them to get the run around and given fake excuses for not giving what i believe i have the right to know ow and one last little fact they have 2 late payment on my credit report but?  when i click to see details on theses late payments there is nothing no surprise here!
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XX/XX/XXXX     I had stated process of trying to get information about the care loan that I had with the  XXXX   XXXX   XXXX   XXXX . I sent them a letter asking for the information of of the loan that was reported on my credit report. I let over a mouth go by and there was no information sent. I then sent a second letter out   XX/XX/XXXX   and nothing from that.. I sent a the third letter XX/XX/XXXX  .  All of the letters were sent certified with a return card. I bank is stating  one  a amount on my credit report but was saying that they sold the car. But is reporting the amount as if they did not sell the car.