23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I get my FICO credit score as a monthly benefit of my XXXX/XXXX  VISA credit card account. In XXXX of 2019, it suddenly dropped from XXXX to XXXX. I have been trying since that time to find out why. I've also gotten my free annual credit report from XXXX   which shows no adverse information whatsoever. The only financial transaction that I've made since XXXX that would impact my credit score was to pay off the small balance remaining on an installment contract a few months early. 

My calls to XXXX have been especially fruitless. Every customer service agent that I talk to gives me a different story, but each essentially says that there is nothing they can tell me or do to get answers from XXXX. I've asked to speak to supervisors, but none will do that. Several have told me to contact Equifax, which I have done. Equifax tells me there is nothing in my credit report that would justify any drop in my credit score, let alone such a large one. They also claim that they only pass my credit information on to XXXX, not provide a score. Neither will give me any way to contest or get my score reviewed. I'm caught in a Catch-22. 

My credit score hasn't been below the low 800s for years. I own my home with no mortgage, have a low 6 figure annual income and high 5 figure amount in my savings and checking accounts. I've never had a bankruptcy, unpaid bill or even a late payment in my life. My only debt is 2 credit cards that I've had for years. I keep the month end balance of each card below {$1000.00} by making interim payments before each of their month end dates, then pay off the entire statement balance each month. 

I hope the CFPB can help me get answers.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Credit Score Impact Due to Misreporting by XXXX XXXX Dear Consumer, Financial Protection Bureau, I am writing to file a formal complaint regarding the negative impact on my credit score caused by XXXX XXXX 's incorrect reporting to the credit bureau. Specifically, XXXX XXXX reported my account as " closed '' instead of marking it as " paid off. '' This reporting error has resulted in a decrease of XXXX points to my credit score. 
The account was closed because it was fully paid off, as per the terms of my agreement with XXXX XXXX. Logically, a paid-off account should improve my credit score or at least have no negative impact, rather than causing harm. This incorrect reporting not only misrepresents my financial responsibility but also unjustly affects my creditworthiness. 
I have attached supporting documentation, including evidence from the credit bureau reflecting the score drop, as well as correspondence from XXXX XXXX confirming that all payments were made on time and that I am entitled to the car title. 
I respectfully request that XXXX XXXX correct this error immediately by updating my account status with the credit bureaus to " paid in full '' and removing any negative impact from my credit report. Additionally, I ask for a review of this situation to ensure such reporting errors do not occur in the future, as they can have a significant effect on consumers ' financial health. 
Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. 
Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit card or prepaid card

I applied to Capital One XXXX  card and got denied. My credit score is a XXXX. I assumed I had a fair chance. Please help me understand why I was denied
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a certified letter to XXXX and Equifax to investigate the following inaccurate information on my credit report, which includes but is not limited to : Incorrect Names Incorrect Employment Incorrect Address Incorrect Credit Information In addition, I asked these XXXX companies to please send me all notices of corrections to anyone who received my credit report in the past XXXX months. 

These XXXX companies have failed to comply. My credit information on my report is very importand to me and I wish to get incorrect information off my report history as soon as possible. 

Thanks!
Product: Debt collection

Everyday I get calls from XXXX XXXX about a credit card account that was closed in 2011. Their claim of owed money and the account information therein, doesn't show at all on my credit reports. I have received calls from XXXX, XXXX, XXXX XXXX XXXX usually 2-3x a day
Product: Student loan

I filed XXXX in XX/XX/XXXX, which was XXXX in XX/XX/XXXX. This included my XXXX XXXX XXXX. The loan was removed from my credit report but then was put back on and into repayment in XXXX of XXXX. They are still trying to collect on this loan, even though it was XXXX. I have tried to talk to Navient but they keep telling me that it's not eligible for XXXX with no explanation as to why not. I have {$100000.00} of Federal student loans so figured with the private loan being XXXX it would help a little. 

Can you please help me figure out what to do? My XXXX lawyer went back and forth with a Navient lawyer for some time but nothing was resolved. From there, I had to have my lawyer send an email saying he was no longer representing me just so I could talk to someone about my loan and try to get answers.
Product: Vehicle loan or lease

Car leased from Tesla leasing for 2 years and lease extended by another 6 months. 
Appointment made as per instructions to return the leased car on XX/XX/2021 XXXX car, odometer reading was taken at Tesla dealer site, handed back both keys. 
Had me sign a paper but never got any confirmation copy of returned vehicle paper. 
Asked about the final paperwork confirming return and was told Tesla Lease would be touch as the place of return was just the Tesla dealer store. 

Had made the full XXXX payment from XX/XX/2021 but returned car on XX/XX/2021. 
Impossible to get anyone on the Tesla lease phone, so sent multiple emails asking about refund on excess paid. 
Was informed that since I did not upload inspection photos, they were waiting for dealer to do that. Nowhere was it mentioned I needed to upload inspection photos when appointment was made to return the leased car. Dealer could have done it at the time car was returned but nothing was done, except key taken back, odometer reading jotted down, and a form that I had to sign. 

Kept continuing to get bills to pay lease amount for XX/XX/2021 due XX/XX/2021. 

A couple of days ago received a bill from Tesla lease saying I owed alomst a {$1000.00} for wear & tear. No explanation, no breakdown of costs and why. 
Emailed asking for details. Was informed a breakdown saying a key was missing and for replacement of all tires and rims. 
Upon stating & insisting both keys were returned, they agreed to take off the {$25.00}. I have asked for copies of the photos based on which I am being charged the wear & tear... .something that should have been sent with the bill as proof! 
The photos were sent but what is the proof these are from the car I returned. 
This is the reason the inspection, photos and paperwork needed to be done while I was present when I returned the car! 

Today my account for the already returned vehicle shows it was returned XX/XX/2021 and now the balance is at {$1300.00}! Am being charged for XXXX lease payment too while the car was returned on XX/XX/2021. 

It has been an absolutely frustrating experience returning the leased vehicle, with getting someone to look at all the information and provide a resolution. 
Plus all the extra charges which had never been mentioned nor the process completed properly, so no proof for the customer. Intentional? 

Much as the experience was so smooth, easy, courteous at the time of doing the lease, it was the worst for returning a lease! Tesla lease seems to be trying to rip customers off, and especially where my vehicle mileage on return was well below the allowed limit and where the car had been kept in a good condition. 

Never again will I lease from Tesla Lease and will inform all I know to also not to do the same!
Product: Money transfer, virtual currency, or money service

I have disputed with Zelle on multiple occasions and they failed to investigate the claims. The CFPBs findings indicates that not only neglected to protect consumers but allowed repeat offenders to exploit their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2. Its also states a consumer reporting agency can not furnish a account without my written instructions. 

I also have a police report on file. I was a victim of fraud and I identity theft. I would like these false addresses and accounts removed from my credit report immediately thank you. 
ALL accounts dates XX/XX/2015 XXXX. I sent in police report several times complaining and no action was taken not my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S DEPT ED 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
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred.Despite having sufficient funds when transactions occurred, I was charged fees due to lagged posting of charges and credits. This aligns with the recent CFPB findings against Navy Federal Credit Union for similar transactions settled with insufficient balances despite having initially available funds. I believe these actions are unfair and therefore I am requesting investigations into my account transactions.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I requested XXXX  an also Experian that this Collection account is in Major Violation of FCRA Law an to be removed. This account is Reporting as Closed With a Past Due! 15 u.s. code 1666a-b accounts that are charged off and closed accounts can not be reporting past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

We called the mortgage company in XX/XX/XXXX to get a month deferment. We were told they couldn't do 1 one but they would do XX/XX/XXXX, and XXXX and XX/XX/XXXX. We would need to call in XX/XX/XXXX to get options. We called in XXXX and were told they approved the deferment. In XX/XX/XXXX we were told by the Mortgage company it would take XXXX days to process the paperwork and that our 1st payment after their processing wouldn't be until XX/XX/XXXX. We requested the paperwork and received it showing no payment due until XX/XX/XXXX. ( See attached ) On XX/XX/XXXX we resumed our payment but then realized we had 2 late payments appear on our credit reports for XXXX and XX/XX/XXXX. So we called several times to the Mortgage company to have them correct it. We even filed disputes with the credit reporting agencies and to date these 2 lates have not been fixed. We have never been late on our mortgage. And the two lates were in deferment while we were waiting on their paperwork as per their instructions. We feel they need to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of a fraudulent account opened in my name on XX/XX/2021. I immediately contacted the company ( XXXX ) that the account was opened with, who advised me they would open an investigation into the matter. They advised me to follow-up with Transunion as well so they could begin an investigation as well, which I did. I didn't receive any other communication from XXXX, or advisement of the outcome of Transunion 's investigation. When I checked my credit report, I found that the account had been 'charged off ' which I thought meant it was taken care of. My credit score took a huge dive, but I thought it was because I had charged up my credit cards during my home renovations. Come to find out, XXXX had been sending all correspondence regarding my claim to the person who had opened the account. I never received further communication from their company, nor did I know that this small load had gone into collections. Once I realized what was happening I called XXXX immediately to work on getting the matter resolved. Communication with them was ridiculous as apparently their fraud department doesn't have phones. I have sent letters to all credit agencies explaining the situation in hopes to get this removed from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, TRANSUNION ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORTS. THERE SHOULD NOT BE ANY DERROGATORY OR DELINQUENT ACCOUNTS ON MY REPORTS AND THE ACCOUNTS IVE UPLOADED DOCUMENTATION OF ARE NOT MINE SO THEY NEED TO BE REMOVED IMMEDIATELY!
Product: Credit card or prepaid card

On XX/XX/21 Sears/Citi Bank Mastercard e-mailed me a Fraud Alert, that my credit card has been used at a XXXX  Station in XXXX FL XXXX It asked me if I recognized the charge, and after verifying that this was a valid e-mail address, I clicked on XXXX. I got a message that my card would likely have to be canceled and reissued. I have not used it since. 
I later found out that on or about XX/XX/21, that Sears/Citi Bank had phoned some of my family. They had no right! I am over XXXX, they cant do that. Ive been trying to get them to stop for decades. 
In addition, upon logging into my Sears/Citi Bank online account on XX/XX/21, I found out that there is very clearly listed a cease and desist on my account, preventing Sears/Citi Bank from phoning anyone regarding anything, let alone calling people who are not listed on my card. Sears/Citi Bank is in violation of the cease and desist, again. 
I drove to the library on XX/XX/21, I found out that Sears/Citi Bank no longer has a secure message server online. I was forced to use their chat. It must be a very poorly programmed bot, because if an actual person is that incompetent and rude, they should be institutionalized for the protection of the population. I was beyond frustrated. This should not be so difficult. 
On XX/XX/21, I replied to the Fraud Alert e-mail, asking, Do you have the video of who used my card #? Will you be prosecuting? I never received a response. 
On XX/XX/21, I logged into my Sears/Citi Bank online account again, but there was still no response to my XX/XX/21 chat entries or questions. I tried again, but the chat would not answer me, it just kept demanding that I ask them questions, questions that they will not respond to. I did a notice message for me, outside of their chat option. It stated that my card had been canceled, and that I would be mailed another one. 
On XX/XX/21, I replied to tSears/Citi Banks Fraud Alert e-mail a second time, with an attachment. I never received a response. 
Its been XXXX days, XXXX complete waste of time chats, XXXX unanswered e-mails, since my credit card reported fraud to me, but I still dont have my replacement MasterCard. 
My friend had a canceled credit card at work due to fraud their credit card company XXXX XXXX them a replacement within XXXX hours. Why is this taking so long?
Product: Credit card

Around XX/XX/XXXX, after evaluating many business credit cards from various providers, I chose a Wells Fargo XXXX, because the rewards points NEVER EXPIRED. 

In XX/XX/XXXX a review of my account on the rewards website showed a NEGATIVE number of points ( XXXX ) for the month of XX/XX/XXXX. When I called the WF rewards dept to inquire, they informed me that these points had EXPIRED on XX/XX/XXXX 

I responded that my card was XXXX of their programs in which in which points did NOT expire. I was told that the policy had changed, and NOW the points DO expire. I stressed that I was not aware of any change, and was told that I was notified on the last few statements. I then inspected my most recent statement, and I do see that it mentioned the impending expiration, but not in a very prominent fashion. Something that has such a material effect on the financial standing of a customer should be conveyed in a more prominent and thorough manner. WF 's meager provision of this important information in such a non-descript manner at the very least seems inadequate and unfair, and at the worst perhaps intentionally deceptive. 

I explained that as a business owner, I have accounting personnel that routinely pay the bills, thus I rarely ( if ever ) see the actual statements. I requested that a one-time consideration be granted to me & that they restore these expired points. Understandably I had to move up the ladder through several agents to get to someone with the appropriate authority, but to no avail - I was finally told by a supervisor that they would NOT replace my points. 

I do a pretty large volume of business on this card ( around {$30000.00} per month XXXX, it would take WF only a few months to realize enough profit to cover the cash value of the rewards points in dispute ( approx {$4500.00} ).
Product: Debt collection

In XX/XX/XXXX, I went to the XXXX. My insurance copay was {$200.00}. I paid it. The XXXX XXXX inappropriately billed me {$520.00}. I knew it was not my responsibility, but I called my insurance company to ask about it. They said that the bill was not billed right and that it was not my responsibility. This was in early XX/XX/XXXX. Then, I received a bill for {$520.00} from the XXXX XXXX later in XX/XX/XXXXand XX/XX/XXXX. I sent them a copy of the statement which said that the customer does not have the responsibility of paying the bill. Then, I began receiving bills from AR Resources, a debt collector. I called them in XX/XX/XXXXand explained that I had already tried to resolve this matter several times before. Their comment was, " If you had taken care of this before, I wouldn't be contacting you now. '' Ever since that conversation, their company calls me multiple times a day every day! I called them again on XX/XX/XXXX and stated that I never was supposed to owe this amount. I sent a letter as well as the insurance statement saying that after meeting my copayment of {$200.00}, I had no more patient responsibility. I am still receiving multiple calls every day pertaining to this.
Product: Checking or savings account

On XX/XX/year>, I used my debit card at a gas station for exactly {$20.00}. I had {$44.00} in my account. Cashap completely drained my account for every cent. I had no choice but to go to work ( which is an hour and a half away ) with no food or anything else for lunch on a 12 hour shift. Cash app then returned the unspent funds back to my account nearly an hour later. This isn't the first time. On several occasions, the funds did not get released until as much as 24 hours later. By this point, I can't go to a grocery store, convenience store or other places of business for food and I can't just turn around. NO OTHER FINANCIAL INSTITUTION DOES THIS. Cash app calls their card a DEBIT CARD but does not follow the legal statutes of what makes a debit card a debit card in the first place. This is an unfair and immoral business practice of cash app to withhold customers finances against their wishes or consent for unspent funds. Such a practice deprives customers of access to their Legally acquired and rightful finances that they may need for other needed expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$790.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXXInquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquiry : XXXX. XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The Experian and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a personal credit card at XXXXXX/XX/XXXXXXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ) an unsecured loan opened at XXXXXX/XX/XXXXXXXX on XX/XX/XXXX, under the account number XXXX. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on the consumer credit reports maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have right to privacy. 
15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions This account is showing inaccurate on my credit report.