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

In XX/XX/XXXX, I leased a XXXXXXXX XXXX XXXXXXXX. At this time, I signed up for automatic payments. 

In XX/XX/XXXX, the lease amount changed due to from what I understand as taxes, without notification and GM Financial unenrolled me from automatic payments. 

In XX/XX/XXXX, I called GM and paid the XXXX payment on XX/XX/XXXXXXXX XXXX XXXX  and reenrolled in automatic payments. At this time, GM verified I was reenrolled in automatic payments. The next month, GM again unenrolled me from automatic payment without notification. On XX/XX/XXXX, I called GM and discovered they added late fees and late payments to my record. At this time, I paid off the entirety and again reenrolled in automatic payments. 

At the end of XXXXXXXX GM submitted this to the credit bureau and my credit score significantly dropped, as well as my 100 % on-time payment. 

I contacted GM about this and submitted a dispute on XX/XX/XXXXXXXX  However, it went unanswered. 

Please help me.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX, I am writing this complaint, since Discover Financial Services, closed my account for no objective reason. I have never had a late payment with them. I always followed all the rules. I have been a Discover card customer for more than 1 year ( From XXXX / XXXX XXXX, with an excellent payment history, and as a result, Discover has increased the credit limit 3 times ( Currently the limit is {$3500.00} XXXX. I started by having a secured card with them, then they evaluated my excellent payment history and offered me a regular credit card with their banking institution. From that moment to the present, for having used my card correctly and making all my payments in an excellent way, they increased the limit 3 times. On XX/XX/XXXX they put my account on hold, and they asked me to send personal information about me from XXXX, when that account was opened in XX/XX/XXXX. I immediately sent the information they requested. In that email, they told me in a discriminatory way, since I am XXXX, that I had 5 days to send that information, otherwise they would close my account. DISCOVER Financial Services is discriminating me for being XXXX. Today XX/XX/XXXX, I received a letter to my email, indicating that they closed my account immediately, with a fictitious reason. I have worked very hard to keep my credit always excellent. I request that they RE-OPEN my account immediately and my credit limit be restored. My account number is # XXXX XXXX XXXX XXXX. My phone number is XXXX XXXX XXXX XXXX, the email registered in my account XXXX Thank you!
Product: Vehicle loan or lease

The vehicle a XXXX Kia XXXX was taken from my residence by my daughter, XXXX XXXX XXXX on XXXX and never returned. I filed a police report and called Kia. To date vehicle has not been returned to place of residence and a warrant and letter of demand was issued and denied by XXXX court of XXXX XXXX on XXXX. 

Kia Finance is constantly calling me for payments which I have not made due to my struggling to pay bills. I talked with Kia and told them about the vehicel situation and filed a report of the incident. On XXXX I spoke with Kia XXXX XXXX and opted to surrender vehicle for non payment due to financial troubles. I also let Kia know that I was not in possession of the vehicle.

Kia has refused to start recovery procedures to find the vehicle and has refused any documentation I have from the XXXX XXXX Police and XXXX XXXX proving that I have tried all avenues to recover the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized credit Inquiries listed on XXXX credit report I was a victim of identity theft due to the XXXX  data hack. Someone else was using my information. Identity theft.
Product: Credit reporting or other personal consumer reports

I have noticed several accounts on my credit report that do not belong to me, and I have no knowledge or affiliation with them. This is not only unjust but also deeply troubling. According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XXXX, I am entitled to a credit report that is accurate and free from any erroneous information. These inaccuracies are having a negative impact on my financial standing, and I demand that they be rectified immediately. I expect a thorough investigation and correction of these errors. If this issue is not resolved promptly, I will pursue legal action to protect my rights.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit card or prepaid card

As of XX/XX/2020 I received a letter from Capital One in request for a increase for my credit card. I have enclosed a copy of my letters from Capital One telling I was declined the increase. But the letter also states that the second page will explain in details for being declined the increase. But during reading the letter none of the reason for being Denied explains jack XXXXNone of it pertains to me being denied and it wasn't explained why! So I called Capital One and spoke with customer service questioning my account. I asked how long I had the account and was told 8mnths and I asked how many payments I made 7 with one late payment. So I asked to speak to a supervisor and so I was transferred to speak with XXXX who's a financial advisor that's located in XXXX Florida. So I asked him to explain this letter to me do to the fact it doesn't pertains to me at all but I'm told, I'm denied with no explanation at all. I was told by XXXX the reason for being denied is because in the eyes of Capital One I did not spend {$300.00} on my credit, which is only my spending limit. So I said, I need to max out my credit card for Capital One to decide how much they approve me for? He said it don't make a difference how much you spend it could be {$500.00} or {$600.00} in the eyes of Capital One you didn't spend {$300.00} dollars. I said thank you for answering my question so basically I need to max out my credit card to be consider. I said the point of having credit cards is showing financial reasonability by paying your bills on time not to max out my credit card and raise my utilization. I find this to be poor excuse for Capital One to deny my request for a {$2500.00} increase. It shouldn't matter how much I spend on my credit card. When he asked how much I spend I told him {$200.00} + that's when he told me I didn't spend {$300.00} of my limit on my credit card. I had this card for 8 months now I'm told I need to max out my card just to get an increase. This violates my right as an consumer to be told I have to max out my credit card. This not being financially responsible at all and this not explanation at all but a poor one. They sent me a XXXX letter with no explanation and expect me to eat this XXXX  and when asked the real reason I'm told that I didn't max out my credit enough to be approved. XXXX!
Product: Credit card or prepaid card

Capital one credit card is showing 4 missed payments. Purchases were made on that account that were not mine and I disputed it directly with the company. They gave me a credit then reversed it while providing proof that it was not mine.
Product: Credit reporting

There are some things that I have paid off on my credit that is still showing open.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of an inaccurate account from my TransUnion credit report. The account in question, reported by XXXX XXXX XXXX, has already been removed from the other XXXX major credit bureaus, XXXX and XXXX. However, it remains on my TransUnion report despite being legally resolved. 

This matter was settled in the court of XXXX, where the case was dismissed, and I was found not liable for the alleged debt. Given that this account was legally resolved and should not be reported, I request that TransUnion promptly remove it from my credit file to ensure accuracy and compliance with the Fair Credit Reporting Act ( FCRA ). 

Enclosed, I have included copies of the court dismissal documents for your review. Please update my credit report accordingly and provide written confirmation once this correction has been made.
Product: Debt collection

i had auto and home insurance with XXXX XXXX which was for six months. I switched to another insurance company which i have had since the six months were discontinued. the only reason i left because they were too expansive. I received a credit collections for {$330.00} from a collections company and i am not sure why since i don't have that contract with the insurance company. 

My cancel date XX/XX/XXXX auto and home insurance XXXX XXXX cancel date XX/XX/XXXX Date for Collections XX/XX/XXXX XXXX
Product: Credit card or prepaid card

I went online to purchase a bedset ( comforter set & pillow cases ) shower curtain, bathroom rugs, toilet cover etc. The bathroom set was {$84.00} and the bedroom set was {$120.00}. The purchase was placed around XXXX XXXX. I actually sent a email on XX/XX/XXXX trying to get an update on my order. They responded with a link to track my order which i could not track my order with. Tried to call the retailer by phone which i got no reponse. So waited to give it more time. Tried calling other times again no response. I finally reached out to Chase to report as fraud and they said they will investigate. I sent them the all the info i had. Then they responded with info saying that the order was placed in XX/XX/XXXX when clearly I have paperwork showing i reached out to the customer in XX/XX/XXXX to get a update. The customer must have gotten things mixed up. I reached out to the customer again in XX/XX/XXXX to let them know to keep the product and just give me a refund, its been entirely too long. So they sent me another tracking number to track the product. Ive also called XXXX XXXX to track the product and was told that number dont exist on three different ocaisions. The back and forth went on between me and chase for over 8 months. I talked to a chase manager and told her the situation. She agreed that i should have never been charged and the case should have never been closed with out a resolution. She then told me she would take care of it. But once she transferred me to the next person for the next steps everything just seemed to have been forgotten about. When i called back i was told to submit my findings which i did with a letter. I did that twice and still no resolution. None of their tracking numbers were valid and Chase still dropped the ball. I was told that I only had a certain amount of time. I dont understand why there is a certain amount of time when there is fraud being committed. Is that why people get away with fraud cause they know its only going to last a certain time and then they walk away with money? Till this day XX/XX/XXXX I still have not received any product and Chase will not review the case. I have been a customer of Chase for a very long time and dont understand how this was just overlooked.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my consumer reports on XX/XX/22 and noticed multiple discrepancies. These 3 consumer reporting agencies are clearly just doing whatever they want. They are not following the requirements outlined in the FCRA at all. This complaint is referring to 3 different accounts. The part of my consumer reports where it lists the company 's information who has reported various items on my reports is all over the place. They are supposed to ensure that ALL information pertaining to me is accurate. I am unsure of what information is correct because these are listed multiple times with different information. 
XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. 

***Please note that the FCRA does not permit you to abbreviate or alter the names of these companies, instead you are to ensure the MAXIMUM possible accuracy of ALL contents. 

Please also let me know how am I supposed to exercise my right as the consumer and dispute with these companies when you all are reporting MULTIPLE addresses and names?
Product: Payday loan, title loan, or personal loan

This bank is charging 159.56 % interest. The math on the site is not correct. They are ripping off people with there funny math. You can not see the funny math they are doing on the attached form but in the dashboard the math is all incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

after reviewing my consumer report, I noticed that there were in accurate accounts and information on my consumer report. The consumer reporting agencies never gave me my right to opt out and furthermore, they never ask for my permission to furnish this information further they have assumed this vital role and have infringed upon my right to privacy, selling my information to a third-party debt collector. In pursuit to 15 USC 1681 ( 4 ) my privacy has been invaded, and damages have been done, the damages that arose were to my mental health, and it also stopped me from traveling to and from work. Also, its got me from being able to receive more business credit. Also, it stopped me from being able to communicate with family members and friends, and it also damages, my overall reputation with lending institutions.
Product: Payday loan, title loan, or personal loan

In XXXX of 2022 I got a loan for Solar Panels to be installed by XXXX XXXX XXXX XXXX XXXX XXXX to be put on the house and Financed through XXXX. Three months went by and XXXX XXXX never finished the installation. After another two months went by with extended attempts to contact XXXX XXXX they never returned any calls or emails to finish installation. By this time my payments to XXXX were first due in XXXX of 2022, after multiple attempts to explain to XXXX that the solar panels were not finished installed and or operational. XXXX informed me that XXXX was paid in full and I was required to pay my loan even though the panels were'nt working. XXXX dipersed funds to XXXX without confirming that the solar panels were fully installed and operational. XXXX XXXX has since filled for bankruptcy and is under a Class Action suit from the Arkansas Attorney General XXXX file # XXXX. Also filled a complaint to the XXXX  case # XXXX
Product: Credit card or prepaid card

My XXXX credit card was stolen from my mailbox along with other pieces of mail on XXXX while I was on vacation, they activated my XXXX card and tried to purchase something for more than XXXX $ at target and I guess the card declined so they applied for a target credit card, not sure the date sometime after XXXX and XX/XX/19 which is when I received a letter in the mail stating they denied my credit card application because I was already approved for XXXX because they sent me another letter in the mail with a credit card, I called target to ask what their policy was for applying for credit card and they said all you need is an ID to apply but when I called the target credit card they said you need your social security number so someone opened up a credit card using either my social Im assuming for target which I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : 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: Student loan

I contacted XXXX out of XXXX because I heard that they helped with loan forgiveness. I was told that they could help me with the entire process but I would have to pay {$290.00} which was charged to my credit card. XXXX # XXXX Transaction id # XXXX this was on the paperwork they emailed to me. I spoke with XXXX people during this time with Integrity ( XXXX and XXXX XXXX XXXX XXXX XXXX 234 Boynton Beach, FL. XXXX XXXX Option ( XXXX ) This entire process started on XXXX/XXXX/15. After much going back and forth and telling me the paperwork was complete, I received my new financial payment plan which was about 6 times more than what I was told. I called and again they said they would fix it but it would take about XXXX to XXXX days. I received a letter in the mail from my university stating I was in default with my loans. When I tried contacting Integrity the number has been disconnected. I talked to my student loan provider and they told me to file a complaint because I paid for services that should have been free to begin with and my loans were not handled completely.
Product: Debt collection

I was a victim of identity theft and noticed a collection from Transworld Systems I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Transworld Systems in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Equifax to conduct a proper investigation about a public record that is reporting on my credit report. I also have requested proof of where they have received the info. They responded that they received the info from a third party company vendor called  XXXX   XXXX . I contacted  XXXX   XXXX   XXXX  of   XXXX   and as of today 's date they do not have any records of Bankruptcy in their files. I submitted proof to Equifax and they come back saying they have verified the public record. This item is a unverifiable public record and should not be reporting on my credit file. I included the letter from  XXXX   XXXX  and the letter from Equifax. How can Equifax say they verified the info and I have proof that the public record is not in  XXXX   XXXX  database.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX
Product: Debt collection

Senex Collections has reported me to all XXXX credit bureaus this is not my account or they have me confused with someone else I have XXXX % medical coverage with no co pay this is not my account and request it be removed immediately additionally they call my home every hour of the day with a anonomous number
Product: Debt collection

I cancelled my service to XXXX and they said thank you and i thought we were done. Subsequently i received a bill from Waypoint telling me i owed {$310.00} for equipment. I was not informed that i needed to turn in equipment and I did not get any notification that i was being put into collections until it was already on my credit report. When i called Waypoint they said if i paid they would remove it from my credit, i said it needed to be deleted and they said it would be taken care of, so i paid to make sure my credit got cleared, still they did not tell me i needed to turn in my equipment. flash forward a few months it is on my credit still, says paid, but it was not deleted. They said they would not delete it after they inferred they would unless XXXX ( XXXX ) gave them the OK.I called XXXX and they said they would research it and get back to me. I had to call them weeks later for them to tell me they would not help and if i turned in my equipment the would refund the money i paid to the collection company. So now i am stuck with a collection on my credit because of lack of communication by the company and their error to notify me.
Product: Checking or savings account

On XX/XX/XXXX I made a XXXX tranfer in the amount on {$100.00} and {$25.00} to from my pnc to my XXXX account.PNC deducted that amount from my account then and also on XX/XX/XXXX and told me it was a pending payment but at the time I did the transaction that amount was taken from my account.Also I had a similar problem that I had disputed three times and on XX/XX/XXXX they deducted XXXX dollars from my account that already had a negative balance from the XXXX issue and caused not only more overdraft fees but also left me with no money since my overdraft coverage was apparently cut off as well.This has happened multiple times and they refuse to accept that they are still taking double from my account even though Ive talked to 4 Pnc employees that are in agreement with me.Also I have offered each time to show the statement from my XXXX XXXX  account when the transfer was made and get ignored