23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

XX/XX/XXXX Filed for bankruptcy in Texas. 
Automatic stay in place GM Financial website stated We are aware of you Bankruptcy. We are not collecting any payments but you can make a payment if you choose. 
XX/XX/XXXX Bankruptcy discharged. Went to start making payments with GM Financial, website still said the same as above. 
Payments were made on XX/XX/XXXX and XX/XX/XXXX as I could afford them. Both were for {$200.00}. The website still stated that they were not collecting payments. 
XX/XX/XXXX Received a phone call from GM Financial stating that payment was due. I told them that the website said that payments were not being collected. He stated that this was an issue with one department not talking to the other and that the website statement was an error. Nothing was said that I was behind on payments or that there were late charges. At this point, I started making regular payments after this call. 
XX/XX/XXXX I started to receive phone calls from GM stating that my account was past due. I asked how that was possible and why didnt I receive a statement for the past year. They stated it was a system issue. My payment also did not show applied and they said it was applied to last year, when they stated that I did not have to make payments. 
XX/XX/XXXX In writing, I requested that they not call. They called 10 times after that until they finally stopped. Three times they acknowledged that I asked not to be called but stated that they did not have to honor that. 
Basically, I did what GM Financial said to do. They were not collecting payments. At no point did they say that the payments would be applied to the earliest missed payments. By doing this, they violated the automatic stay on the account that was allowed by the bankruptcy court. 
I made payments totaling {$3200.00}, GM Financial only applied {$1600.00} per their records.
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. 

Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 a 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 seven 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 t
hat the information is inaccurate.
Product: Credit card or prepaid card

I applied for a XXXX XXXX Credit card through Synchrony Bank and was turned down due to what they call " High Risk Source of Application ''. 
I really don't understand this as I have excellent credit, am never late on my payments, and have really high scores on all three credit bureaus. I never get turned down for credit! 
This is very frustrating and contacting Synchrony Bank is no help as they can't even explain to me what this means! 
Another problem, they are not even doing a hard pull on my credit! I know that means a slight deduction in my credit score, but just do it!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account info Account name XXXXXXXX XXXX Account number XXXX In accordance to the Fair Credit Reporting Act, XXXX XXXX  XXXX has violated my rights. 
15 USC 1681 Sec. 602, States I have the right to privacy.

15 USC 1681 Sec 604 a Sec. 2, it also state a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b, a creditor may not treat a payment on an account under an open and consumer credit plan as late for purpose.
Product: Credit card or prepaid card

There were XXXX dollars in XXXX charges that don't belong to me. I never had an XXXX  account. I had previously disputed them and the fraud department had recharged them onto my account. Those charges are not mine. I called the chase credit card department and they told the information matches my profile which it doesn't. They were saying the addresses and emails matched and that there were 20 different phone numbers. I don't have 20 different phone numbers. Iv had 2 phone numbers with in several years. It looks like someone used my information to open up an XXXX account in my name. They are saying there are documents that match when I don't even have an account. I was a victim of identity theft back in XXXX. Someone did break into my mail box and steal my XXXX  credit card and ran up XXXX in charges and opened up a charter account in my name. Whoever broke into my mail box back in XXXX could also be using my address. Whoever it is could have all of my information now. My private information was stolen. there was a lot of mail box theft at my previous address where I lived going on. The landlord did tell me she'd look at the cameras but she never did but those chase credit card XXXX charges are definitely not mine and I don't have an XXXX account. Someone's opened an XXXX account Wirth my name and information. I'm being charged for XXXX dollars in charges that are not mine and I also got charged for groceries I never received and it's still reflecting on my chase credit card. whoever broke into my mail box could be living around the same area or apartments as I used to live and there are many different apartment numbers there so it doesn't make any sense when they say the addresses match. And my mailbox was broken Into. It's a big apartment complex. But then again I don't know where these transactions were done at.
Product: Credit reporting or other personal consumer reports

As a result of ID theft/data breaches in recent years, I have the following inquiries that need to be removed from all three CRA 's XXXX I have tried to dispute this date directly with the creditor and got no response after 90 days. These inquiries need to be deleted from all 3 CRA 's. 

XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  Inquired XXXX XX/XX/XXXX On record until XXXX XXXX
Product: Checking or savings account

Fifth third ba m continues to charge me excessive overdraft fees XXXX  of fees in two days. At this point I am beyond done with this bank Ive started preparing to file a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card on XXXX XXXX and it wasn't as described in the the approval so I closed the account on XX/XX/XXXX. I did not receive the card and I did not activate the card and capital one listed the account on my credit about XX/XX/XXXX I called capital one and they verified the account was closed on XX/XX/XXXX this account was never activated or opened in any form only applied for
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover card has reported an account to the credit bureaus that does not belong to me. There was an account opened using an address that does not belong to me in a different state. Discover card reported this address to the credit bureau as my address and I have never lived in that State or at that address and they refuse to remove the disputed information from my credit file. The account has never been paid and the credit card was maxed out within 90 days of opening it. The address used to open the account is a hotel in a shady part of XXXX Georgia.
Product: Vehicle loan or lease

There was a late payment made on the account, which was not negated, however, I sent a letter to the company after I corrected the payment default and asked for a goodwill adjustment. The late payment was totally my husband and my fault, as we thought the other had made the payment. I explained the circumstances to the company and never received a response.
Since then, we have refinanced the car with another company and the account with XXXX XXXX has been closed and paid. XXXX XXXX continues to make monthly adjustments to the account. The late payment happened in XX/XX/XXXX. On my husband 's credit reports, he 's seeing different months of default. XXXX is reporting XX/XX/XXXX. XXXX is reporting XX/XX/XXXX. XXXX  is reporting XX/XX/XXXX. On my report, XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX.
The negative payment is already reporting negatively, but to see an update to the date getting changed every month is hurting even worse.
Throughout the entire course of the loan, we have only ever been late 1 time and fixed it as soon as we saw that we were late. We can understand not being forgiven for the 1 late payment, but to continuously update our credit reports with incorrect information is inexcusable. I would hate to have to file a complaint with the Better Business Bureau over the information. We are in the process of purchasing a home and this information is reflecting poorly on our loan process.
Product: Payday loan, title loan, or personal loan

My problem is the interest rat  is 58.99 (  APR ) annual percentage rate, so it has to be divided over the life of the loan, it seems they just add  XXXX  to the loan amount I received,  XXXX . Even with more than minimum payments and an early buyout, they took close  XXXX  cents. That is almost 100 % APR. My savings even with large payments and buying out  8 payments  into a 15 month loan is loan sharking. It seems like funny math and calling it an annual percentage rate. It is  Republic Finance    XXXX   XXXX   XXXX   XXXX   XXXX   SC  XXXX   XXXX .
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 Subject : Dispute of Inaccurate Information per 15 USC 6802 & 15 USC 1681-c-2 Dear Consumer Relations Department, I hope this letter finds you well. I am writing to formally dispute certain information contained in my consumer report as provided by your company. According to the provisions of 15 USC 6802 and 15 USC 1681-c-2, I have the right to request the accuracy and validity of the information being reported about me. I recently obtained a copy of my consumer report from your agency and found some inaccuracies that require your immediate attention. The discrepancies pertain to the following items : XXXX  : Account # {$530.00} This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b I must emphasize the significance of having accurate consumer reports, as they play a vital role in determining various aspects of my financial life, such as loan approvals, interest rates, and job applications. These inaccuracies have the potential to adversely impact my creditworthiness and financial standing, which is why I request your immediate attention to rectify these errors. Per the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), it is the legal obligation of consumer reporting agencies to conduct a reasonable investigation upon receiving a dispute regarding the accuracy of information in a consumer report. I hereby request that you initiate a thorough investigation into the disputed items mentioned above. During your investigation, I kindly request that you verify the accuracy of the disputed information with the original creditor or data furnisher. Promptly update my consumer report with the correct and accurate information. Provide me with a written statement of the investigation results and any changes made to my consumer report. Please be aware that as of the date of this letter, it has been 65 days since my last letter, and I have not received any response from your agency regarding the investigation. This lack of response is in violation of the FCRA, which requires consumer reporting agencies to respond to disputes within 30 days. As such, I urge you to expedite the investigation and provide me with the results as soon as possible. Failure to comply with the FCRA 's timeline for investigating disputes may result in legal action. I have enclosed copies of relevant documents that support my claim. Additionally, I request that you inform all parties that have received my consumer report within the past [ number of months ] about the corrections made as a result of this investigation. I expect your prompt attention to this matter to ensure the accuracy of my consumer report. Your cooperation in this dispute is greatly appreciated, and I trust that you will handle this matter with the utmost professionalism and expediency.
Product: Debt collection

This Company Santander is reporting a dept closed for XXXX. I tried calling them they could not tell me what this was for. And could not find me on their records as owing them anything. This is very confusing. I do not owe this amount to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a dispute letter to TransUnion with the tracking number XXXX. XXXX records show that on XX/XX/21 TransUnion accepted possession of my letter. The purpose of my letter was a request for a reinvestigation of items on my credit report. My dispute request and instructions were reasonable and within my legal right. TransUnion has an obligation to complete the investigation within 30 days from the date they have accepted the letter. My request is not a duplicate of any previous communication with TransUnion. TransUnion willfully ignored my dispute. They have failed to conduct a reasonable investigation within 30 days from the date they have received my dispute letter. I sent TransUnion a follow-up letter dated XX/XX/21, with the tracking number XXXX. XXXX records show that TransUnion accepted my letter on XX/XX/21. In my second letter to TransUnion, I requested they follow my requested action for each account that I disputed. The Fair Credit Reporting Act mentions that consumer reporting agencies have an obligation to ensure maximum possible accuracy. The law also mentions that consumer reporting agencies must involve their users in a reasonable investigation and complete it within 30 days. I believe TransUnion is attempting to avoid their obligation to Federal Laws for their own commercial gain. They continue to sell this inaccurate, and unverified information to other companies. Further hindering my ability to purchase a home. TransUnion is hoping that I will get frustrated and just give up on this matter. I attached a copy of each dispute to this complaint.
Product: Credit card

One of the benefits from Capital One VentureXXXX is the price matching feature for hotels and flights. However, due to cancellations of three ( priced matched ) hotel rooms ( the cancellations were free as they are within the allotted time frame ), the company has blocked me ( as of XX/XX/2024 ) from price matching in the future. This price match feature is needed because the hotel/flights are exponentially higher within their portal and booking on their portal is the only way to get the XXXX miles. This needs to be investigated due there being nothing in their terms and conditions about limiting cancellations nor the ability to price match.
Product: Money transfer, virtual currency, or money service

Someone hacked my CashApp account and made two unauthorized transactions of {$1400.00} and {$1400.00} respectively. I have reported this to the XXXX XXXX the same evening I noticed it occurring. 

XX/XX/19 around XXXX XXXX - {$1400.00} XX/XX/19 around XXXX XXXX - {$1400.00} I contacted the bank and asked them could they stop the pending charges since it had just happened. They said no but to call them first thing in the morning to begin the dispute. I require either a fingerprint or PIN to access this account and somehow they were able to get Cashapp to change the PIN or they guessed it.
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$3300.00}
Product: Debt collection

XX/XX/XXXX XXXX XXXX " robo-called '' my wife 's phone and my phone threatening to call my employer and take me to court. I called back and they said I owe XXXX for an HSBC credit card. Since this was not the first time I have been threatened by them I asked for more info with intentions to file harassment charges but they would only tell me the state they are in and name of the company. Eventually the lady on the phone didn't like my persistence and just said that they are forwarding my file to court. 

XX/XX/XXXX XXXX XXXX " robo-called '' my wife 's phone and my phone threatening to call my employer and take me to court. I called back and tried a more deceiving tactic to get more info about this business who does have my accurate personal info. Eventually they threatened to sue me for harassment and blocked my number. 

I called the FTC who said I should look at my credit report to see who is actually reporting the debt and it don't show on any of the reports. 

I am looking at my paid receipt and the debt for the HSBC card I had was fully satisfied on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized credit inquiries listed on my credit report. Upon reviewing my credit report, I noticed the following inquiries that I did not authorize or initiate : Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> I believe that these inquiries are the result of either a clerical error, unauthorized actions, or potential fraud. I did not apply for credit or request services with these creditors, nor did I give them permission to access my credit report.As per the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate these inquiries and remove any that are found to be inaccurate, unauthorized, or otherwise inappropriate.
Product: Credit card

Sears credit card ( administered by Citibank XXXX ran a promotion promising 10 % back on purchases totaling up to {$800.00} per month at gas stations, grocery stores, and restaurants from XXXX through XXXX 2016. ( Email and letter describing terms will be attached. ) These credits have never been processed properly, despite my contacting customer service four separate times. My purchases in the relevant categories totaled {$630.00} in XXXX, {$540.00} in XXXX, and {$780.00} in XXXX, so I ought to have earned {$190.00}. At one point, I did get credited {$58.00} ( a number that corresponds to nothing so far as I can see ), but I 'm still short {$130.00}. ( Relevant statements will also be attached. ) Processing this promotion requires nothing more than simple arithmetic, but customer service just keeps saying -- four times, now -- that the problem will certainly be resolved by some certain date, at which point nothing happens, I call again, and they offer some other date. Last time, customer service tried to tell me I was complaining prematurely because two statement periods had n't yet passed ( they had ) and the problem was n't yet 8 weeks old ( it was in fact 9 weeks old ). Indeed, the people working for customer service seem wholly unfamiliar with the promotions their employer has offered, and continually misunderstand what account entries mean. For instance, Sears ran a similar promotion for XXXX and XXXX, and customer service never seems to grasp that credits for that promotion have nothing to do with my current complaint.
Product: Money transfer, virtual currency, or money service

I received an email re ; a charge for an XXXX I did not order nor approve a payment of {$1000.00}. They sent a receipt containing none of my personal information except my email which was used to send the receipt. I called their number and talked to someone who I became suspicious of they connected me with the ATF representative. He began asking me questions about my personal information which I refused and he quickly hung up.
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. 

Account XXXX : XXXX XXXX Account XXXX : has violated my rights. Or a list of inquiries : 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 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 seven 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: Debt collection

I on XX/XX/2021, sent a certified letter to the collection agency asking them for " proof '' which is by Law a written contract or agreement bearing my signature. To show the validity of this debt. It has been 30 days and no such document has been produced. so I am filing a complaint to clear my name and my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EXPERIAN AND XXXX  HAVE ALL PUT A EXTENDED FRAUD ALERT AND A PERSONAL STATEMENT ON MY CREDIT REPORT, WITHOUT MY CONSENT. I CONTACTED ALL companies and told them to remove the alert and personal statement asap because I did not request it. Furthermore they put a phone number on the alert for companies to contact me that doesn't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I visited the XXXX XXXX XXXX website and applied for credit. When I submit the application, XXXX XXXX  said that I was denied by them but PRE APPROVED with XXXX XXXX and sent me directly to complete the application. I complete the application and XXXX denied me. As a result of the misinformation and misleading lie that XXXX gave me about being preapproved, I ended up with two inquiries on my credit report and denied for both lines of credit. I would have never applied to XXXX has they not lied and said I was preapproved and since my credit was ran giving me the preapproval already, I did not think my credit would be ran again. I tried to find contact information for either company and could not.