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

I applied for financing at Land Rover XXXX XXXX on XX/XX/XXXX for a Used XXXX XXXX XXXX. I fell in love with the pictures even before seeing the vehicle. The finance manager reviewed my credit and walked me through the application process. I was connected with a sales person by the name of XXXX XXXX. I was approved for financing and had plans to visit the dealer the following day. That same evening, I noticed a discrepancy with the mileage of the vehicle that was posted on the advertisement. The mileage listed on the sales advertisement was XXXX. The actual miles on the vehicle was XXXX. Once I reported the discrepancy to my salesman the dealer didnt seem interested in working with me any longer, nor did they want to make any concessions. I subsequently posted a review about my experience and received a voicemail from XXXX XXXX and XXXX XXXX asking me if I would be willing to remove the reviews, and to give them an opportunity to make it right. Well naturally I accepted his apology and had high hopes we could get a deal done, so I prematurely deleted my reviews because I had faith this deal would be done. We did in fact come up with a more agreeable term and I had an appointment scheduled to visit the dealer at XXXX on XX/XX/XXXX to close. Unfortunately I got a text from my salesman that someone was at the dealer the same morning of my scheduled appointment getting approved for the vehicle. I should have left this dealer alone when my guy instincts told me to do so. It was a waste of mutiple inquires on my credit report and they just acted in bad faith the entire time. They were never truly interested in my business, they wanted the review removed. I was fully prepared to do a deal if this vehicle had been presented to me with complete and accurate information. Please stay away from this dealership.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I requested through writing request that the following inquiries and the in its companies remove these inquiries ... .XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX .. All these inquiries were done without my consent and didn't pass thru thefraud alert have on my account but TransUnion continues to report as if committed them and I didn't. I have requested that it be removed from all credit reports and TransUnion is the only credit reporting agency how has take my request seriously. TransUnion has allowed fraud to take place and not protect my credit even I have a fraud alert but the inquiries remain. This is my third request to resolve this problem. Next time will result in legal
Product: Checking or savings account

On XX/XX/2019 I send a Letter to Santander Bank requesting all accounts associated with my social security number XXXX be closed and all monies be send to my current address. I enclosed a mortgage statement as proof of address. 
I am dissappointd because the Santander Bank refuse to close my account. I was told to go to a local branch. There are no branches where I am currently residing. 
I am XXXX years old and feel like I am experiencing elder abuse ; because the Santander Bank has denied me access to my account via ATM cards ; but has it open so they can benefit from direct deposits into my account.
Product: Mortgage

Lender sent personal tax info including SSN, signatures, and full contact information to me via unsecured email
Product: Credit card or prepaid card

I was fraudulently charged XXXX dollars on my Verizon Visa Credit card. Synchrony Bank took that charge off and sent me a new card. After I received the new card, the XXXX  charge was reinstated. I have called Customer Service XXXX  times at Synchrony Bank and they will not give me the name of the organization that fraudulently charged me or their address/phone number. I'm simply told my complaint will be forwarded. I have also been blocked from accesing my Verizon Visa Account online at : https : //www.synchrony.com/accounts/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I am trying to get a mortgage for a house and the lender went to pull my credit. XXXX and XXXX both came back with good scores as a result of the XXXX credit cards I have ( XXXX and XXXX ). However, Equifax would not give me a report saying I have no file. I spent three weeks and many hours on the phone with them to resolve this issue. They tell me that the only way for it to be fixed is for me to update my file by having one of my credit cards report to them. Upon checking with both cards, they both do in fact report to Equifax ever month and even sent an off cycle report. According to Equifax none of these reports have been received and they are unwilling to fix whatever it is that is causing them to lose them or not get them entered into their system. I need them to find these reports that are being sent to them and update my credit report. Any help is much apprecitated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have recently spoken with someone at TransUnion through customer service about my multiple inquires I did not authorize on my credit report. Everyone that I had spoken with were very rude about it and would not help me with my problems. I have some inquires I know I did not authorize and I get no help at all. One representive had me on the phone over an hour to go all the way through the process to tell me oh he can not help me and hung up the phone. Here are some inquires I did not authorize on my credit report XXXX Inquiry XXXX/XXXX/XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX XXXX Inquiry XXXX/XXXX/XXXX XXXX Inquiry XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a student loan account that is currently in Forbearance,. There are XXXX accounts with the same account number ( again all of these are in Forbearance ) and these accounts all have should show on time payments. Some of these accounts are showing Late and others are showing on time. ( as I stated these all have the same account number ) and some are showing 18-19 times being late. Please assist. Ive contacted all 3 Agencies ( XXXX, XXXX, XXXX ) and Ive also contacted the company that I had the student loans with in regards to the inaccuracies. Nothing has been done. Please look into this as it is CONSISTENTLY bringing down my score.
Product: Consumer Loan

Usaa Bank has refused to honor replacing a car from an accident XX/XX/2013, which has caused an unneeded expense of over {$30000.00}, plus XXXX, replacement job wages, items lost in car and we were told USAA BANK illegally totaled the XX/XX/2013 car, and as well USAA BANK refused to send proper acknowlegement to these things but to use hate, anger and illegal activity to cause severe issues in all USAA BANK related uses, causing credit issues health issues and other issues not needed.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$82.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$680.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$82.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$680.00} XXXX ( Original Creditor : 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: Credit reporting, credit repair services, or other personal consumer reports

A debt buyer company, XXXX XXXX, bought an account from XXXX XX/XX/XXXX, and is reporting the account on my credit report still although, the date of first delinquency with the original creditor renders that this account no longer be reported anymore because the statute for reporting this accounts information has expired. Account number : Account number XXXX for a balance shown of {$640.00}. The original creditor has already deleted the account from my credit reports across all three bureaus because the alleged debt is so old.
Product: Student loan

I have a private student loan with XXXX Bank. Since I entered repayment, I had the loan payments set up on autopay from my XXXX bank account. Around XXXX of XXXX, XXXX transferred the servicing of my loan to American Education Services, and did not make any significant effort to notify me. During the transition to AES my auto pay did not transfer from XXXX. Luckily I discovered this on my own and contacted AES to make my XXXX payment. I also set up auto pay with AES. The AES rep explained that it might take 30 days to set up the autopay so just to be safe I scheduled the XXXX payment online myself to ensure it was paid. The autopay never went through, for reasons that AES was unable to explain. AES failed to notify me that my payment was not made. In XXXX I discovered that my payments were not being made and called AES. I paid the past due balance and once again re applied for autopay. The AES representative stated that they attempted to call me multiple times after my auto pay did not go through, and verified the phone number, which was correct. It was at this point that I realized that they did in fact call me, and I did answer the phone but the manner in which they conducted themselves on the phone was extremely suspicious and unprofessional. I would receive a call from an XXXX number that was not listed online, meaning when I would XXXX the number it would not be tied to AES. The phone rep asked for me by my maiden name, and stated he was calling from XXXX Bank. I found that suspicious since I have been married since XXXX. He then asked for my full social security number in order to verify my identity and proceed. I refused to provide it and asked what this call was regarding. He stated I can not give you any information without your social security number. I asked several times what is this call regarding and each time the rep refused to say anything more than he was calling from XXXX bank. I hung up and called XXXX bank customer service and the determined that there was nothing of concern on any of my accounts. They could no longer view my student loan since servicing was now with AES. I received several more of these calls from AES and each time the rep demanded my social security number and refused to tell me why they were calling. I explained this to AES and after several rounds of escalations they refused to reverse the delinquency that was reported on credit report and stated they could not reverse it since " XXXX Bank rules do not allow them to ''.
Product: Credit card

Made payment of {$120.00} on XX/XX/year>. Synchrony bank says I did not.
Product: Credit reporting

I have disputed a judgement that appears on my credit report from the XXXX. I have contacted the court, and they told me that they do not have a judgement in their docket, and could not give me any pertinent information about this. They even told me that if someone was to come into the office and search the Judgement dockets, they would be unable to find information on this alleged case. After this, I disputed this with Equifax, and in only one day, Equifax closed the case ( the investigation started on XXXX/XXXX/2015 and ended the same day ) and they refused to change the information.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

I went into XXXX XXXX XXXX Ga to rent a apartment. We was not able to see the apartment before we put the first months rent and deposit down. We was told it was not ready but if we didn't pay our deposit and first month rent that it would be rented to someone else cause there is a wait list. Just looking at the area Thinking it was a nice area, I thought I needed to do what I was told or I would lose the apartment. After I moved into a apartment complex that I was told was a wonderful country living and quiet atmosphere the problems began. There was drug deals going on at the bottom of my apartment and all thru the neighbor hood. people would smoke pot all in the walk ways. We complained but was told there was nothing they could do to call the police. we put cameras on our patio facing the parking lot where our trucks had been vandalized and scratched up. One vehicle from neighbor was actually stolen. then people would shine lasers at our cameras to try and destroy them. WE paid {$770.00} a month rent with a {$300.00} security deposit and a {$450.00} total pet deposit. we paid on time every month despite the horrible and most times scary conditions we had to live in. Then the XXXX started I have been hospitalized from XXXX XXXX XXXX XXXX and the vents were very old and full of dust thru the vents. We asked if maintenance could come by and clean the vents and check the duck works. When they came the outside was just wiped down nothing was fixed they went in the apartment when we was not there and when we returned we popped the vent cover off and it was just thick with black stuff and dust. toward the last few months it had rained a lot and the ceiling was leaking and had water stains thru the ceiling and I'm sure mold in there also as I was on 3 different XXXX XXXX at this point. We called the office who sent maintenance who we figured out had just spray painted the water stains on the ceiling with white paint cause everything just bleed right back thru. we made it up until the last month and I just could not breath in that apartment or live there any more. The only damage that happen was Two spots in the carpet from my dog that I really didn't want to have in a apartment but felt needed some kind of protection so had to have. Anything else was from there lack of them actually fixing any other issues. I have let this go and have this ding on my credit now cause I was rented a apartment under false pretense and could not physically stay in that apartment any longer. I was recently given this website to try and rectify the situation and hopefully it does not happen to anyone else. But I refused to be blackmailed after everything I had to go thru at this complex
Product: Debt collection

Contacted my Mother posing as someone calling about an employment reference, asked her to provide my name, address, and place of employment. They apparently have a track record of this activity, and nothing has been done.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX. I am writing to delete the following information from my file. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX Credit Bureau on XX/XX/2022 to removeACIMA CREDIT FKA SIMPL XXXX Balance : {$1700.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any account or information not later than 4 business days after the XX/XX/2022 letter .Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again.,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.
Product: Debt collection

XXXX XXXX XXXX XXXX  sent me to collections for a service performed as an XXXX XXXX XXXX  for a bill which I did not know about. They sent the bill to an address that doesnt exist and never called me. All other providers submitted to insurance and were paid. I have contacted provider and gave proper address for billing and insurance information. They told me I should not be in collections and is supposed to be on pause until insurance answers. Collections will not remove me and my credit is being damaged. XXXX XXXX Cornerstone XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

The creditor ( Bridge Crest ) reported a Late Payment and put my credit account in Derogatory status on XX/XX/year>. I called them and requested a payment plan due to the hardship of my brother passing away and having to assist with funeral costs. I had to help other family members with funeral expenses as no one suspects death or an emergency of some sort, so in this case, I called to arrange my auto loan payment, and they recorded all the calls. So I did follow through with my set arrangements and the amounts I was told to pay made them aware of what I could pay and called when I needed to make further arrangements, and they said ( the customer service representative ) Bridge Crest got the payment late and stated due to my bank issuing time which I'm not accountable for it in some cases take the banks up to 3 days to release funds, and when Bridge Crest receive their payment it also take them 2-3 to collect but the Posted date is unchangeable and I have no control over this. I sent payment on the day asked and was told I wouldn't be under threat of a 30-day late payment credit reporting because the amount would help my interest as well as payment, a few days later, I got a notification a derogatory statement was reported on my credit report and unfortunately, it was BridgeCrest again they record their calls and they claimed that this matter happened because of timing then another time they stated because the car note was not paid in full which was lacking XXXX dollars. They made arrangements with me to ensure my complete coverage of the full car note for that billing cycle and no reporting to the credit bureaus, I feel that they violated my consumer rights under coding as the late payment coding15 U.S. Code 1681s-2 ( a ) and15 U.S. Code 1681s-2 ( b ), as well and I feel that wasn't a reason to report me and I was assured this per recorded calls I wouldn't be affected and I asked them to review the calls and this would assure confirmation. They ( the customer service team ) and the department that handles supervision complaints stated they would review but it was internal that it would be handled inside the company so basically if they found what I said to be true I wouldn't know. I hope that you find my complaint worthy of investigation. Also please assist with removing that derogatory late payment as that has depleted my score tremendously and is stopping me from trying to apply for home buyers to provide stability for my family and me a place to live, I feel they treated me unfairly as I am a loyal consistent paying customer. I have all documents supporting these facts along with copies of all the documents sent to all three bureaus and Creditors which have been uploaded. Respectfully yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7900.00}