23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

On or about XXXX/XXXX/2016 I applied for a rental property through XXXX XXXX XXXX. They use this company e-renter to compile background and credit information. I was advised by XXXX at XXXX XXXX that this company provided a credit score of XXXX back to her when the required score is XXXX. I have paid XXXX monitoring and KNOW my XXXX score is/was greater than XXXX at the time of inquiry. I contacted XXXX initially on XXXX to inquire as to how the came up with the score they provided. I was told it was gained from Transunion. I contacted Transunion who in turn told me they did NOT provide a XXXX credit score to this company. I contacted e-renter again who advised me to submit an inquiry through their email support XXXX XXXXXXXXXXXX ) which I did. I have followed up on XXXX/XXXX/16 and XXXX/XXXX/16 and have yet to receive a resolution to this issue. I am just being told " it is with Transunion and as soon as they respond they will let me know ... ''. This is NOT an acceptable response. It does NOT take a month to resolve this type of issue especially considering my ability to secure housing has been affected by this company 's error. I guess they believe it is ok to play with people 's livelihood. Well it most certainly is not! I have documentation of every correspondence between myself and this company if needed. I have since filed XXXX complaint # XXXX and received the following response : e certainly understand the concerns of timeliness. We did, however, reply to you that we believe this is an error on the part of TransUnion and encouraged you to open a dispute directly with TransUnion. The score we received from TransUnion was XXXX at the time the report was pulled. TransUnion was unable to confirm for us, after lengthy back and forth, that the score was NOT XXXX - they confirmed what they sent us was accurate. If they told you that it was different, the only way to resolve this is for you, as the consumer, to dispute this information directly with TransUnion. We do not modify what TransUnion sends us in any way. 
I have documented proof and submitted this documentation that my score at the time the info was pulled was greater than XXXX. These people ca n't just play XXXX with your livelihood then shift the blame back and forth amongst each other.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX  XXXX {$280.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$630.00}
Product: Checking or savings account

UMB Bank was running an offer of {$400.00} cash back bonus if one opens the account and have {$2500.00} or more as direct deposit within 60 days of account opening. I tried opening the account online but it didn't worked. So I went to the UMB Branch in XXXX TX and was able to open the account with the promo code with the help of XXXX. 
Within first 60 days, direct deposit of more than {$2500.00} has already happened. Within 30 days {$400.00} should be provided as case back. Followed up with XXXX but not getting any response.
Product: Credit card

I had a credit card with Suntrust that went into collections in XXXX. In XXXX, they issued XXXX cancellation of debt tax form, stating that this debt had been forgiven. That year, I had to include that balace in my taxes. Despite this, Suntrust continues to report that I owe then {$9400.00} on my credit report. I have disputed it multiple times, but they continue to tell the credit bureaus that I owe them this money. I have also contacted Suntrust about resolving this balance, but their representatives tell me that they can not accept payment because they issued a XXXX. It is unfair for Suntrust to continue to report this balance on my credit report, while simultaneously refusing to accept payment from me to resolve it. I am attaching a copy of the XXXX, and a snap shot of how this account appears on my credit report as of today.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I am requesting that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened fraudulently without my authorization and I request their immediate removal. 
The accounts in question are : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  - {$220.00} CHXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$240.00} INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I signed up for the British Airways Visa credit card from Chase Bank under a XXXX British XXXX points sign up promotion. Here are the details of the promotion : XXXX XXXX after spending {$2000.00} in the first 3 months XXXX XXXX after spending {$10000.00} in the first year XXXX XXXX after spending an additional {$10000.00} XXXX : XXXX XXXX after spending {$20000.00} in the first year I spent over $ 20XXXX on the credit card within the first 3 months of opening the card. I was only given XXXX XXXX instead of XXXX XXXX as the promotion stated. I called Chase and they claim that I signed up for the card under a different sign up channel that was only XXXX XXXX and the first year annual fee waived. This is incorrect - I signed up under the correct channel under the XXXX XXXX promotion. Chase can not provide any proof that I signed up under the wrong channel and I also informed that at the time of sign up the XXXX XXXX promotion was a current and public sign up offer and the ONLY offer at the time. Therefore, even if I wanted to sign up for the XXXX offer that Chase is claiming that I signed up for which was during the months of XX/XX/XXXX 2015 I could not. I spent over $ 20k on the Chase card based on the public promotion that was also the only sign up option at the time of sign up. 
In addition, if you XXXX XXXX British Airways Chase promotion - there are multiple websites stating this public promotion. 
When I requested Chase to provide proof that I signed up under the wrong channel they could not provide it. 
I also closed the account based on the false information that they provided me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Bridgecrest. They sent in a 30 day late payment against me to the Credit Bureaus and said I was late by {$23.00}. I asked them to remove this because I have worked hard on my credit and I make sure I am never late. How am I late by {$23.00}? The young lady said she could not help. Bridgecrest has lied because I am never late with my bills. I refinanced my house and paid them off because they are not a fair company. I would like to have the late payment removed.
Product: Prepaid card

Direct Express Ref # XXXX around XXXX of 2024 my Direct Express Debit Card was destroyed and I had forgotten to order a replacement. When I finally remembered and gotten around to calling Direct Express to order a replacement card, I was told that before it could be done, I had to send them 3 forms of I.D that would verify who I was. They requested a copy of my CA I.D Card, Birth certificate, and Social Security Card. This account and card are used for the direct deposit of my monthly Social Security XXXX Check. 
After I submitted a copy of the documents they requested, I waited. After a period of time not hearing back from them, I contacted them again and basically went through the same thing again. Once again, I complied and submitted the proper documents. After a short time, I was instructed to go into the Social Security office in person. So, I went into the Social Security office and after a period of time I was reissued a new Direct Express Card. I was then told to wait 24 hours for the block to be taken off my account. I then waited 24hrs, then 48 hrs. till now day 3, yet nothing has been done. I called Direct Express back again to ask if the block was taken off but was met with a negative attitude that basically told me that I had to verify my Identification and that I had to submit the same paperwork again. I am in my late XXXX 's and on XXXX. I do not have the patients nor time for going back and forth only to end up at the same spot over and over. My XXXX XXXX has gone up, my XXXX is triggered, and my XXXX is not in a good place. If I was approved and issued a replacement card that I physically have in hand, why can't I access my funds. I get SSXXXXI monthly to live on, I have been without it for several months already, having to borrow money from friends and family to live on monthly. I don't understand what else needs to be done. They want my left arm, first born? 

Thank You,
Product: Debt collection

I contacted LVNV to offer a settlement. I called the customer service number sent to me in the complaint response. However, after 45 minutes on hold, I never got to an agent. I would like to offer a settlement of {$600.00} for the XXXX XXXX debt.
Product: Credit reporting or other personal consumer reports

My information was used without my permission to open accounts as I stated in the attached dispute paperwork. I want these taken off my credit.
Product: Mortgage

I am XXXX years old, and English is my second language. My daughter, XXXX XXXX, has been helping me at Banner Bank with my HELOC. She has been requesting a fixed interest rate for my Heloc for over one year. Banner Bank has refused to offer me a fixed interest rate, and my payment has more than quadrupled. She began making this request in XXXX of 2022. My loan allows me to rollover my interest rate to a fixed interest rate any time during my draw period. Banner Bank has been illegally charging me every month refusing to honor the terms of their own promissory note.
Product: Checking or savings account

My account was closed after I reported fraudulent use. I then reviewed the statements they sent upon account closure and realized I haven't received some orders that I have been charged for. I called the bank to ask if they can look into it for me and they said they can't do anything because the account is closed and to talk to the merchant. The merchants all said to dispute with my bank and I told that to the bank representative and he told me I will just have to take the loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

The letter you sent state you conducted a thorough investigation into this matter and concluded that someone did obtain a loan with your company using XXXX . XXXX personal information first that fraud m name is XXXX XXXX Second you state i open a loan at your branch XXXX in XXXX Mo on XX/XX/XXXX but my report states the acct was open XX/XX/XXXX so you wrote a letter that falsely saying i had number XXXX then it says the acct-was transferred to Branch XXXX XX/XX/XXXX the letter makes no sense and its all over the place i will fight you in court and i will not stop this is fraud and miss use of my rights XXXX XXXX XXXX has stated in a documented letter of their inaccuracies also included my personal info and id to show im not XXXX XXXX this is on m acct inaccurate I also added Sectary of State XXXX XXXX i also included my info for awareness
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows inaccurate information. An account on my credit report has been re-aged ( XXXX   XXXX XXXX ) which is a very serious violation. I have a proof showing that. I have sent a letter to the credit bureaus to notify them but they did not reply to me, it has now been more than thirty ( 30 ) days and the inaccurate information is still on my report. I have the USPS return receipt showing that credit bureaus received my letter almost 2 months ago and they have still not replied to  me. In addition of being re-aged the XXXX  XXXX XXXX account shows a lot of inaccuracies such as incorrect payment history, incorrect high balance, incorrect credit limit
Product: Debt collection

Law 15 USC 1692c ( c ) If a consumer notifies a debt collector that thethat the consumer refuses to pay a debt collector must cease all communications
Product: Mortgage

Loan NUmber XXXX. 
This is in reference to a previous complaint XXXX which was started on XX/XX/2020. After going through with PennyMac and XXXX  associate XXXX XXXX and XXXX XXXX to have our son included to the loan, we were told that he is now included to the loan. Although we do not have any access to view of the inclusion to the loan since this is more a Server situation. The initial complaint was closed on XX/XX/2020. As per Ms. XXXX and her response to CFPB, it would take approximately two ( 2 ) billing cycles to reflect the process. On first time I called Ms. XXXX was due to a misunderstanding from me that require two billing cycles in early XX/XX/2020 when the ownership addition did not reflect in the monthly Statements. Then when XX/XX/2020 rolled by, again I called Ms. XXXX and left a message to let her know that the monthly statement still does not reflect the inclusion. It is now three billing cycles. I sent a message through their Message Center in early XX/XX/2020 concerning the inclusion. I still have not received any response from anyone in Penny Mac. But again, I gave Ms. XXXX a call twice and left messages on my concerns towards the end of XXXX week of XXXX 2020 since XXXX 2020 monthly statement still does not reflect the inclusion. I understand the ongoing situation nationwide. I am sure I have given enough time to remedy the situation. Thank you.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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

I have disputed with EXPERIAN XXXX AND XXXX SEVERAL TIME LETTING THEM KNOW I HAVE INQUIRIES LISTENED WITHOUT MY CONSENT, I did not give permission to inquire and I demand each one list be deleted immediately and pay {$1000.00} per fine per violation, they are listed belowXXXX XXXX XXXX ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had a Capital one card. Where I didn't make enough money at the time to pay the cards on time and was going through financial hardships and lack of financial education. All the cards went to collections, which I paid off the capital one and total visa cards. I set up another payment plan for the discover card.
Product: Debt collection

Since XX/XX/2023 Convergent outsourcing calls everyday and most days they call twice. I told them I was going thru a personal issue and financially I have no income and about to lose my home and they called again 12 hours later. I asked to call me in a month and she didn't listen and called me again.
Product: Consumer Loan

As a XXXX of DriveTime for 5 years. I took my daughter to the XXXX location. This was her first time car buying experience. I was with the company when they rolled out the XXXX anytime lease program. I thought this would be ideal for her in the event she fell on hard times and could n't continue to maintain the payments. The saleswomen XXXX ( Who was Wonderful to work with ) located a vehicle on another DT lot that was listed in THEIR inventory as " a Starter car ''. The downpayment was {$1000.00}, but you can put down a minium of XXXX and pay the XXXX in XXXX bi-weekly payments of {$50.00}. Then your payment will go down by XXXX. That 's per DT Terms. Well the Manager XXXX at the XXXX completely did A BAIT AND SWITCH. He told her the vehicle she purchased was a higher tier price so her payments would be XXXX bi-weekly she told XXXX she could n't afford that. Even though the saleswoman XXXX checked the system and even called the dealership to make sure the vehicle was still their. XXXX then tells my daughter wait let me make the number work. He put her payments as {$190.00} bi-weekly @ XXXX payments when it should have been @ XXXX payments the anytime cancel lease is for 24 Months ONLY! So why is she doing a lease for 5 1/12 YEARS. Then her payments do n't go down after the remains XXXX of {$50.00} bi-weekly has been PAID. On her contract it states Final payment {$190.00} due on XXXX/XXXX/15 so her payment would be XXXX less. My daughter called DT in XXXX was told by representative there was {$99.00} still due because there was a side note?? She went to the dealership in XXXX spoke to XXXX who looked at her contract was n't able to make heads or tails of it since XXXX was n't there he was confused. He asked my daughter how much did she put down she told him {$890.00} but on the contract it has {$1000.00} that was incorrect. XXXX asked for a few days to get to the bottom of everything he was going to call me. I did n't here him. I called back on Thursday was told he was n't in. I spoke to XXXX who acted like he could n't talk to me about this. He was the one that wrote the contract. He said XXXX was going to call me. kept saying they need to review the tapes?? What tape this was done inside the dealership not over the phone. Furthermore XXXX and my daughter was in the dealership until XXXX the night she purchased the car. That was ridiculous it does n't take 3 hours to write up the contract. I work for a XXXX I AM XXXX for XXXX of the XXXX 's. IM SO DIAPPOINTED IN DT for not taking ownership for XXXX 's me stake. XXXX not having the decency to call me back and we could go over the contract together. I know the DT Core Values. This is Not how they do business. XXXX needs to be re-trained on contract writing. Both men need to take ownership.
Product: Credit card

There is a charge for XXXX XXXX XXXX For {$2200.00} I did not do and American Express is saying I did
Product: Vehicle loan or lease

back in XXXX or XXXX i purchased car XXXX XXXX XXXX i through a company call XXXX with my son after the disaster of covid 19 i reach out to the company regarding my payments due to covid 19 struggling with my bills and losing my job i kept making payments as possible with the little money a had but i ran out of money and i couldn't afford to make the payments no more i spoke to a rep to see if they can work something out with me they explained to me that it would not affect my credit report years later now im getting hit with a appeal from court after the fact they would tell me it going to be taken care of the charges that i'm seeing on my credit report is incorrected and wrong its not fair that due to my situations of covid 19 i still have to deal with this now it cause my credit score to be in the negaitive with no help and i gave them the car back with no demages please someone can assist me in need what to do now.
Product: Credit reporting or other personal consumer reports

I received a letter in the mail about a up and coming bill For a new account that I didnt authorize and I went to check on my credit report to see if indeed it was XXXX  and it was from XXXX XXXX
Product: Debt collection

I received a bill from an apartment management company for damage to the unit. When I called to speak to them regarding these charges, the gentleman told me he would not discuss the amount and even if I sent payment he would not accept it and instead he would send me to a collection agency - which is listed at the same address as the apartment management company - so that my credit would be damaged. 
I never received another bill from either the management company or the collection agency. 
I paid the debt in XXXX of XXXX in order to remove it from my credit report, but this company continues to report as " settled for less than the full balance '' and has even updated my file showing a late payment as recently as XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX was made aware of the identity of theft, fraudulent usage of my SSN, Phone number, address and email address on or around XX/XX/year>. I was notified that my contact information was in several data breaches, including XXXX, XXXX, XXXX and XXXX public data. There have been XXXX XXXX XXXX XXXX accounts opened in my name, Charter communications, XXXX XXXX Texas addresses associated with my SSN, XXXX XXXX TX XXXX and several notifications that Banks are accessing my report to open bank accounts. For these reasons my XXXX XXXX has dropped drastically and I am being presented and displayed in a negative light. I have attempted to contact the Apartments that hold the lease who advised management has changed several times and they only have the electronic lease without my wet signature as verification. I advised them of the identity theft and they advised there is nothing they can do. I have attempted to dispute several times to no avail.
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to find inaccurate accounts on my credit report, and I cant understand how this happened. I routinely check my credit, and today, these discrepancies appeared without explanation. I tried refreshing my browser, thinking it was a mistake, but nothing changed ; the errors remained. I urgently need the documents Ive sent to be reviewed carefully so I can finally stop stressing about this.
Product: Student loan

There are 3 payments that I made towards my qualifying payments that FedLoan should be counting but will not. I have sent them proof and documentation. I have been asking them since XXXX of XXXX XXXX a year ago ) to correct this, and every time I call they say it is " under review '' and " will be complete in 20 business days '' or sometimes " you have to submit this for review '' saying they have no idea per their records that I have requested a review, and will start the process anew. I have made *every single payment* sometimes at significant sacrifice to do do ( not heating my home in the winter for instance ) since it started in XXXX. My $ XXXX worth of loans are set to be forgiven in 6 weeks if they count all my payments ... which they still will not do. Obviously I'm getting more frustrated as that deadline approaches and I've worked hard to hold up my end of the bargain, they still won't count my payments despite frequent phone calls requesting they do so. Two of the last agents I spoke with ( XX/XX/XXXX and today XX/XX/XXXX ) promised to submit it for " expedited review '' that hasn't materialized. The issue is with 3 payments : one on XX/XX/XXXX when they sent me into forbearance against my wishes, and after years of me calling them they finally removed the forbearance - but they have still not counted my payment that month ; and 2 payments in XX/XX/XXXX and XX/XX/XXXX when my loans were transferred from XXXX XXXX, " because there is no bill '' and they refuse to generate a bill even though I have provided proof from my bank and XXXX XXXX that the payments were made. I can provide emails to support some of this, although most transactions were phone calls with written notes. I can also provide XXXX XXXX and bank account proof of payments if this will help your review, but I have already provided them to Fedloans so will not upload here.