23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX dropped my credit score by XXXX for an increase of {$160.00} on 2 credit cards combined. 
XXXX dropped my credit score by XXXX points for an increase of {$160.00} on 2 credit cards combined. 
Experian dropped my credit score by XXXX points for an increase of {$160.00} on 2 credit cards combined. 

But yet when I make a payment they only credit me XXXX point on my credit score. This is not legally binding to do to a consumer. Please investigate them all immediately. No one 's score should drop this much for {$160.00}.
Product: Vehicle loan or lease

on XX/XX/XXXX I a made a payment of {$300.00} to Ally Financial and another payment {$380.00} on XX/XX/XXXX then {$1000.00} on XX/XX/XXXX. since XX/XX/XXXX I was making weekly payment or overpayments up until XX/XX/XXXX then monthly payments thereafter every month. Since XX/XX/XXXX I have made {$4500.00} worth of payments, my payment is {$390.00}. I made two payment of {$400.00} on XX/XX/XXXX and XX/XX/XXXX and  XX/XX/XXXX and XX/XX/XXXX. They have been adding late fees once I pay them off the add somemore out of thin air. I write on my checks apply to principal monthly payments not late fees. The lates fees are a scam no basis for them. Now I made for the full amount and they still say I owe {$180.00} and they have been reporting me late all these years and I have made payments every month and some time multiple times. This is stealing and I need some help
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX. I noticed that, unauthorized inquiries had been made. I first contacted these furnishers of the inquiries, with a few of them giving me the runaround, stating that they cant petition for them to be removed. I asked them multiple times to remove their inquiry from my credit profile. By law per the FCRA, you are required to verify through the physical verification of the original signed consumer document. I request that you initiate an investigation into the below inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiries and send me an updated copy of my credit report. 
XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX x2 If you find the inquiries referenced above to be valid thru physical verification, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter.
Product: Vehicle loan or lease

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   2015  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit card or prepaid card

On XX/XX/2020 I purchased two chairs online from Rooms to Go. I paid with my Synchrony Bank Rooms to Go credit card. The chairs were delivered to my home several weeks later. Upon examination I found a small tear in the skirt of each chair. The cushions of both chairs appeared to have been used because they were dirty. I called and complained to Rooms to Go and I was told someone would come to my home and repair and clean the chairs. No one ever called or came to my home to repair and clean the chairs. I called again to Rooms to Go and told them that I wanted the chairs out of my house. I was given a pickup date, I moved the chairs outside and the chairs were removed back to Rooms to Go. I filed a dispute with Synchrony Bank, 60 days came and went and the charge was put back on my account. I never received a letter as to why this charge was put back onto my account. Now I am expected to pay {$1300.00} for 2 chairs that have been returned.
Product: Debt collection

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
The item is not correct and is causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit card or prepaid card

I hold an Platinum credit card account with American Express. One of their benefits offered with the card is a {$50.00} credit when making a purchase with a specific vendor, XXXX XXXX XXXX. I made a qualifying purchase on XX/XX/XXXX in the amount of {$67.00}. Amex issued the {$50.00} benefit credit on XX/XX/XXXX. 

The item was not received and was lost in the delivery process. The vendor provided a credit to reorder the item on XX/XX/XXXX. On XX/XX/XXXX, Amex charged me {$50.00} as a retroactive revocation of the benefit paid on XX/XX/XXXX. 

The terms and conditions of the cardholder agreement between American Express and myself state that the benefit amount can only be revoked under certain circumstances : " Statement credit may be reversed if the eligible purchase is returned/cancelled. '' or " If American Express, in its sole discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this benefit, American Express will not have an obligation to provide statement credits and may reverse any statement credits provided to you. '' I contacted American Express about the credit reversal and explained that I neither returned nor cancelled the order. I made a qualifying order that met all the conditions listed in the terms and conditions and was credited the benefit accordingly. The vendor provided a credit to reorder the merchandise based on it not being delivered. American Express responded that they would reverse the credit in any case in which the charge was reversed, even if it did not involve a return or cancellation. I asserted that their revocation and policy was not consistent with the terms and conditions, but they refused to change their position on the {$50.00} retroactive bill for the credit.
Product: Credit reporting or other personal consumer reports

I was directly impacted by the Equifax data breach, which compromised my sensitive personal information, including Social Security number and credit card information. Despite Equifaxs assurances of safeguarding consumer data, their failure to implement adequate security measures led to this significant breach.

Following the breach, I contacted Equifax to request : Information about the extent of the breach and how my data was affected.

Details on the steps they were taking to resolve the situation and protect my data. 
Information on remedies or compensation for affected individuals. 

Unfortunately, Equifax did not provide adequate responses or transparency. This breach has caused significant financial and emotional stress, as I have incurred costs for credit monitoring and identity theft protection to mitigate potential risks. 

I am requesting that Equifax address their failure to safeguard consumer data, provide appropriate compensation for the financial and emotional damages I have experienced, and implement stronger security measures to prevent such incidents in the future.
Product: Debt collection

They harass me continuously. Calling my cell phone, Calling my wife 's work phone, and also my work. I 've told them multiple times to quit contacting my wife and my work.
Product: Bank account or service

On or about XXXX XXXX, 2016, I logged into my Flagstar Bank checking account online. I searched for a way to transfer funds from my Flagstar line of credit to my Flagstar checking account. ( This would have been a draw on my credit line. ) I was unable to find any way to do this online, so I contacted the bank by phone to request a transfer. I was told that I could only draw on my line by writing checks. When I asked why I could not transfer funds into my checking account, I was told that my checking account had been closed and that I would have to open a new checking account in order to access my line of credit. To open the new checking account, I was required to make a {$50.00} deposit from funds outside of Flagstar Bank. On or about XXXX XXXX, 2016, I learned of a third Flagstar Bank checking account in my name, predating the newly established checking account. I contacted Flagstar about this account and spoke with a different representative of the bank. I was told that the third account had been specially established at the same time as the credit line for the express purpose of drawing on the line. This bank representative had no explanation when questioned as to the earlier requirement that I open a whole new checking account. This made me think of the way that XXXX XXXX employees would trick customers into opening unnecessary new accounts. I recently received my first statement for the new checking account, for the period ended XXXX XXXX, 2016. The statement included a {$2.00} " paper statement '' fee. In opening the account, I was never informed of this fee. I believe this to be a deceptive practice, therefore I have contacted the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, DEPT OF EDXXXX has violated my rights. Regarding alleged accounts # XXXX, XXXX, and XXXX 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 an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.
Product: Student loan

Purpose of my complaint to CFPB is two-fold 1 ) I've been unable to receive my refund check for a student loan payment for close to 5 months now, with no satisfactory answers provided about when I will receive the check. 
XXXX ) I would like an accounting of where my student loan payments are going. As of XX/XX/XXXX, I've put {$750.00} towards my {$20000.00} balance. However, my remaining balance still remains {$19000.00}, with only {$400.00} going towards reducing my principal. I do not believe this to be an accurate accounting, and it should be recalculated. 

Timeline of events : Paid off account in full in two payments XX/XX/XXXX : {$17000.00} XX/XX/XXXX : {$20000.00} XX/XX/XXXX : I spoke with an EdFinancial ( EF ) customer service representative, XXXX, who put in request for the {$20000.00} refund. She did not know when I would get the refund check. 

XX/XX/XXXX : Student loan balance of {$20000.00} restored to EF account. 

Additional calls made to EF re : refund status and being put on new IDR plan : XX/XX/XXXX, XXXX, XXXX ; XXXX Additional calls made to Dept of Education ( at EdFinancial 's insistence that they are the ones handling refund checks ) : XX/XX/XXXX, XXXX ; XXXX. Either did not receive a definitive answer, had to wait too long, or was unable to reach anybody due to call being dropped. 

XX/XX/XXXX : Reply from EF customer service rep, XXXX, stating again there is no estimated date when I'll receive my {$20000.00} refund check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I thoroughly observed my credit report recently and noticed my personal information was inaccurate. I sent letters out to the XXXX credit reporting agencies asking that they update my personal information. I sent my first round of request out XX/XX/2022 and the second round request XX/XX/2022. I have yet to receive any type of correspondence from any of the credit reporting agencies. I asked if they would only provide my current address and remove all other non applicable addresses as well as phone numbers, employment and the way my social security number is displayed on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY XXXX DIED ON XXXX AND APPOINTED MY EXECUTOR AND NTIFING  ALL BUREAUS OF THIS MATTER! XXXX XXXX XXXX, DIED XXXX. SEE ATTCHED LEGAL DOCS.
Product: Debt collection

I am filing this formal complaint against Equifax for their mishandling of my case, non-compliance with federal regulations, and failure to properly process my documentation under the XXXX XXXX consumer protection laws. 

On XX/XX/year>, I submitted a complaint to Equifax, including all required supporting documentation, through their upload portal.On XX/XX/XXXX, I submitted a complaint via the CFPB complaint system, including the same documentation that was sent to Equifax. Despite my full compliance, Equifax has claimed they have not received the documentation, which is false and misleading. This failure has caused unnecessary delays and exacerbated my distress. 

Additionally, Equifax has misrepresented the status of my case. They sent emails to me stating the complaint is closed, while the CFPB records still indicate the case remains unresolved. This contradictory information creates confusion, undermines my ability to resolve the issue, and reflects a lack of due diligence and integrity on their part. 

I am asserting my rights under the " XXXX XXXX Prevention Act, '' which provides additional protections to XXXX XXXX XXXX XXXX Equifaxs actions violate provisions outlined under this law, specifically regarding the handling and timely processing of documentation required to suppress adverse credit information resulting from trafficking. 

I demand the following actions immediately : Equifax must formally acknowledge receipt of my documentation and cease claims to the contrary. 

Equifax must resolve and close my complaint within the CFPB system and provide written confirmation of the resolution. 

Equifax must comply with all legal obligations under XXXX XXXX consumer laws to address and remove adverse credit information without delay. 

Failure to comply with these demands may result in additional legal action, including seeking enforcement through the Federal Trade Commission ( FTC ) and pursuing penalties under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act. Furthermore, I reserve the right to seek damages and injunctive relief for any harm caused by Equifaxs non-compliance and negligence.

I request the CFPB to investigate Equifaxs mishandling of my complaint and documentation and to take appropriate enforcement actions to ensure compliance with consumer protection laws.

Please let me know if you require any additional information regarding this matter.
Product: Checking or savings account

Wells Fargo repeatedly charges my account with false monthly service fee charges for the amount of {$14.00}. Wells Fargo lied about how many times I used my card the month of XX/XX/2019 in their response to the CFPB! I want to know why they are repeatedly charging my account for {$14.00} dollars even though I met the monthly requirements in order to not get charged. Why is Wells Fargo allowed to lie and falsify documents in their CFPB response. They are stealing out of my account and sending in lies in their response like I'm the one lying!
Product: Credit card or prepaid card

I had a credit card through XXXX XXXX ( Barclays Bank ). Last XX/XX/XXXX there was a credit balance on the account. There was an automatic {$8.00} charge from XXXX and then then XXXX XXXX charged {$180.00} for the " annual charge ''. I was in the hospital and received no emails, no paper bills etc. Then I get an email in XX/XX/XXXX saying that my account is being closed and I was reported to the credit bureau. When I found out, I paid the full amount but the account was still closed and they kept the annual fee. I called and complained and was basically told that was their policy. That is completely wrong. I would not have authorized a {$180.00} dollar annual fee and asked them to close the account as it is not worth it. They will not take it off my credit report and have {$180.00} for a credit card that I don't even have. That is stealing in my view.
Product: Vehicle loan or lease

I have been working as XXXX XXXX  with Department XXXX XXXX in The XXXX XXXX XXXX in XXXX CA, I have been terminated from my job on XX/XX/2022. When I contacted the XXXX XXXX I told them I want to early terminate my car lease and I want to do so without any penalty as I was in Service as XXXX Civilian. The XXXX company said that I am not covered by this law because I am XXXX Civilian and not considered in XXXX XXXX but I can return my car to the dealer and they take care of the rest and I dont have to worry. Recently the Company sent me a statement that I owe them {$13000.00} as early termination fee. 
1 ) The company never mentioned to me that if I returned my car to the dealer, I will be liable for any amount 2 ) I returned the car in perfect shape abd only had 1800 miles on it 3 ) the dealer himself want to buy the car from me and paid {$21000.00} but I didnt accept as I preferred to return the car to the company 4 ) The value of the car provided from the company is far away from the real value of the car and therefore the amount of XXXX is far away from the reality of the car value. 
5 ) I lost my job as I mentioned earlier and I am unable to pay anything to the company and I consider the value of the returned car should cover all the expenses and I shouldnt owe the company even a {$1.00}. 
6 ) As a previous civilian XXXX I should be protected by the same legislation that protect those in XXXX XXXX 7 ) In my actual situation I am unable to pay anything to the company anyway and as I mentioned earlier the perfect condition of the returned car should cover any additional payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Employment data is missing from my Trans Union credit report. I want the following information added immediately to my credit report : Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX, Position : XXXX XXXX XXXX XXXX, Annual Salary : {$150000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX Mr. XXXX XXXX invoking XXXX XXXX. Default judgment wrongfully entered by XXXX  while in XXXX XXXX. Experian reporting fraudulent information ; to date is completely false. Plaintiff entitled to sum of economic loss, employment, property, assets, future and potential earrings in violation section XXXX XXXX. 

Mr. XXXX is the victim of identity theft/fraud and still ongoing. The documents support and substantiate is the victim of misappropriation of identity theft/fraud since XXXX by XXXX.
Product: Debt collection

On XX/XX/XXXX, my sister needed to go to the XXXX  and I was the only one available to drive her to the XXXX XXXX. My sister was the patient that this medical bill is referring to and hospital billing had mistakenly used my contact information that I had given in order to visit her. I am in no way her legal guardian or have been in the past so this debt is not mine to owe. I have tried to fix this issue over the last 2 years, both with the hospital, XXXX, and now another debt collection agency ( Franklin Collection Services ). I have spoken to their customer service representatives and have disputed the debt as not being mine but they continually keep harassing me and claiming that I am the owner of this debt. I have tried to call Franklin Collection Services since XX/XX/XXXX to ask for updates about this bill and each time I have called they have hung up on me.
Product: Credit card

In late XX/XX/year>, I saw an advertisement for the AMEX XXXX credit card with an attractive XXXX points promotional offer ( in picture XXXX attached ). I applied for this card, and it was approved. In the process, I did not receive any notification on my eligibility issues. ( otherwise I would definitely not apply for the card ) After receiving the card, I was told that I needed to spend at least {$8000.00} with the card during the first 6 months to receive the XXXX points. So I used the card to pay for most of my family 's expenses, and we spent over {$10000.00} during the first 4 months. 

Because I did not receive the bonus offer I was expecting, I contacted American Experess customer service. I was first told that I would receive the points in a few days. I waited, and then asked again. The answer was similar. After waiting longer, I reached out to the company again. This time, all of a sudden, I was told that I was not eligible for the promotional offer at all! Also, the company claimed that I was notified in the card application process. I was shocked, and I asked for evidence for this eligibilty notification. My request for information was refused. I believe that the company misled me to applying for this card and to spending significant amount of money with it, without giving any of the promised offer.
Product: Payday loan, title loan, or personal loan

I had lost my job but have a job now. I have tried to work with One Main Financial and they are being so difficult. I need to get caught up on my payments, I need to know what my interest rate is and I need to know when this loan will mature. Nobody is able to tell me when this loan will be paid off if I keep making payment of XXXX a month which is the minimum monthly payment. They just keep telling my loan matures in 2019. What the XXXX does that even mean? Does that mean if I still owe a balance in 2019 that the loan is done being paid off and I won't have to make payment any more. I just want to know if I am behind in payments how long will it be to catch up? Once I am caught what is my interest because right now only like XXXX is going to principal. If only XXXX a month is going to principal when the XXXX will this loan be caught up, what will my interest be and when will this XXXX loan be paid off? Like I said they keep saying 2019 but won't clarify once the loan hits maturity and there is still a balance owed what happens to the amount due after maturity. I want the loan current now that I am working, I want to know why only XXXX out of the XXXX monthly payment is going to principal and I actually want to know how long it will take to get this loan payed off. No one can tell me know matter how hard I have tried to get this information.
Product: Vehicle loan or lease

I have an auto loan with Camax Auto Finance. My account number is XXXX. I filed a complaint last month that while I sent my payments in timely, they were not posted timely and a late payment letter was sent. For that complaint, XXXX XXXX from Carmax responded with the same drivel, that I " enroll '' in their auto deduction plan. 

It has happened again this month. I electronically sent in my payment from my bank to Carmax and it was paid to them on XXXX XXXX, 2020. The payment was due XX/XX/2020 and there is a 10-day grace period. Today, on XXXX XXXX, 2020, I received a letter from them dated XXXX XXXX, 2020, that I have not made my payment, that this may be reported to credit bureaus, and that the payment I now owe includes a {$15.00} late charge. 

I DO NOT WANT TO ENROLL IN THEIR AUTOPAYMENT PLAN. I HAVE NEVER BEEN LATE WITH A PAYMENT. I WANT THIS XXXX TO STOP AND ASK THAT YOU DO SOMETHING TO HELP ME RESOLVE THIS ISSUE WITH THIS SHAM COMPANY.