23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in 2015 a gas bill from XXXX XXXX was added to my credit report. The issue with this was I had move out of an apartment and contacted the company to disconnect the utility which was left on for a full billing cycle after the fact. I contacted XXXX XXXX about this and was told I would receive information in the mail for me to provide whatever was needed to correct this, I received nothing. Shortly after the collections was placed on all 3 of my credit reports. My credit score dropped from an XXXX down to a XXXX. I disputed this repeatedly and at some point it was removed by all 3 credit agencies. It was recently re added to my Experian credit report causing my score to plummet from a XXXX to a XXXX. So I 'm being penalized for the same delinquency a second time. I called Experience today about this issue and was greeted with hostility and poor costumer service by an employee named XXXX from the " alpha team ''. When asked if I could speak with a manager he continued to go back and forth in an attempt to antagonize me. I was eventually placed on hold for a long period of time supposedly waiting for a manger. When XXXX returned to the phone I was told the manager was busy. I stated I did not mind waiting until he was available and XXXX then said he could not keep me on the line and I would receive a call back. I asked that I be given a number and the name of the manager in case I did not receive a call back and was then placed on hold again for some time. when he returned he said " I 'm transferring you to a manager have a nice day '', not giving me the requested information or even an opportunity to speak again. I was transferred to an answering machine that gave only a number and no information as to whom I was transferred to so it could have been anyone in any department. This is poor consumer service to say the least. I had to call back, this process from start to finish took 2 hrs. I was told the debt was sold and was placed on my report again and even though it was removed once there 's no guarantee it will be removed again. I pointed out that it was removed for a reason and was told they will investigate. This is unfair and unreasonable. Under the fair credit reporting act there are specific procedures a credit reporting agency must follow before reinserting negative information that has been removed. It is supposed to be certified by whomever furnishes the information that the information is complete and accurate, not reinserted and investigated after the fact. Also the reporting agency is required to send a written notification within 5 business days that the information has been reinserted. Nether of these has taken place. It takes less than a few hours for a company to ruin your credit whether or not the information is accurate yet it takes 30 days or even years for these issues to be corrected. I am currently in the process of moving to another state and due to this issue my ability to get an apartment has been compromised on top of my cr3edit score going from good to fair from taking a double hit from the same delinquency.
Product: Credit card

I received a Marriott XXXX credit card in the mail. I did not apply for this card. I also received an alert from Chase.com letting me know that JPMCB card services completed an inquiry on my account without my consent. They then approved the card application for XXXX XXXX. This is a former name, married name. I am divorced. I currently use the name XXXX XXXX or XXXX XXXX XXXX. 

I have placed a freeze and fraud alert with all credit reporting agencies. I have also removed the names XXXX XXXX and XXXX XXXX XXXX from my alias list with all three credit reporting agencies.
Product: Credit card or prepaid card

On XX/XX/2020, I ( XXXX XXXX XXXX booked 2 one-way flights from XXXX Texas to XXXX XXXX for {$580.00}. I used XXXX to search for the flights and booked through an online travel agent called " XXXX ''. The Airline was XXXX XXXX  and was scheduled for departure XX/XX/2020. On XX/XX/XXXX the flight was cancelled ( I received cancellation email from airlines XXXX. On XX/XX/2020 I received an email from XXXX XXXX saying that " The refund for flight cancellation has been forwarded to the travel agent I booked with ( XXXX  ) ''. XXXX Euros were deposited in a Mastercard ending in XXXX ( XXXX  ). I could not recover refund from XXXX so I opened a dispute with my credit card XXXX Bank of America Visa ending in XXXX ). The dispute was rejected because there was " No Cancellation Policy ''. I opened up another claim with Bank of America. I made sure that they were aware that the travel agent had received my refund, but they were just holding it. I had personally spoke with a representative from XXXX XXXX that gave me the exact date and the card information for the refund that they had already sent to XXXX. I forwarded this information on to Bank of America in the second dispute. Having provided this information, I figured it would be a matter of time before the dispute would be reviewed, Bank of America would see that i paid for a service from a third party. the service was cancelled, and the third party kept my money. How could anybody look at those circumstances and see that I was not due a full refund? A few months later, I received another letter from Bank of America saying that they decided against me in my dispute claim, and that I needed to go through gotogate for a refund. XXXX has horrible customer service and there is no way to reach management and if you get somebody on the line and they cant answer your question, they will just hang up on you. They are also based in XXXX, which makes it even more difficult to reach leadership/management. I want to file a complaint against Bank of Americas credit card department because their dispute department has failed Me ( Their customer ). They should protect their customers from borderline illegal activity by merchants. This travel agent has held my money for over a year now and Bank of America is just letting them get away with it and that's just wrong.
Product: Credit reporting or other personal consumer reports

I don't recognize these items ( INQUIRY 's ) on my Credit report & they should be looked at and Corrected or removed Indefinitely. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

These companies are in violation of FCRA 15 USC 1681. Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given any company or credit reporting agency written, non-written, verbal- non verbal per 15 USC 6802 15 USC 6805 and 15 USC 1681 ( b ) Privacy Act 1974, 20 USC 1232 ( G ) 34 CFR 99 Privacy Act 1974 and 5 USC 552 ( a ). Utilization reporting on my credit reports clearly violates 16 CFR 433.2 16 CFR 433.3. and Section 623 ( a ) ( 6 ) income and transactions reporting to any non affiliated entity is prohibited. According to the IRS publication 1099c Code F under Identifiable event codes. These companies failed to provide a 1099c for tax purposes. I am required to rectify these charge amounts as income when filing tax returns. Including 15 USC 1692 ( e ) by failing to report accurate, correct and true information on my credit report. Im requesting my credit report is updated immediately.
Product: Debt collection

SOUTHWEST CREDIT SYSTEMS, XXXX for XXXX debt owed and immediately paid. 
This negative item still shows as unpaid as of XX/XX/22 on XXXX. 
Receipt of debt paid was sent in last month.
Product: Debt collection

This complaint is regarding deceptive debt collection practices committed by : XXXX XXXX Mountain Run Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX XXXX XXXX Acting on behalf of a debt purchased from : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX On XX/XX/XXXX, I contacted MrXXXX XXXX to dispute the amount of the debt. They are claiming I owe {$580.00}. 

On XX/XX/XXXX, Mountain Run contacted me by text message from mobile number XXXX regarding the debt. 

I replied back on XX/XX/XXXX that I was disputing the amount due, but that I would offer {$250.00} to settle the debt IN FULL and consider the matter closed. 

They accepted the offer. They replied " Perfect. Give us a call and I'll approve the payment. '' They emailed me a payment link. I made payment for the agreed-upon {$250.00} on XX/XX/XXXX. 

XXXX then contacted me back on XX/XX/XXXX informing me that the offer was only eligible for that same day ( XX/XX/XXXX ). He made NO indication that the offer was contingent upon same-day payment. 

This is clearly a deceptive debt collection practice. I emailed them back several times, but they have not responded. I have given them ample opportunity to correct this before complaining to the appropriate consumer protection agencies. 

DESIRED RESOLUTION : I made the agreed-upon payment of {$250.00}. I want my account closed in full and the appropriate credit reporting agencies contacted so that this debt is removed from my credit report. 

I would like this information posted to consumerfinance.gov so that others may be warned about this company and their deceptive practices. Thank you.
Product: Vehicle loan or lease

I have been experiencing financial difficulties with this leasing company since I purchase this car. I have been denied to request a new due date, removal of the co-signer of the lease, my contract, and monthly statement correction. There are multiple occurrences of disrespect and dissatisfying customer service. I have made payments for three years and have a large remaining loan to pay because all payments are going to interest.
Product: Payday loan, title loan, or personal loan

Every other week, by XXXX XXXX Mail, I get a pre-Qualified loan offer from Balance Credit. Over XXXX months ago I applied for credit and was declined. I ask them to stop sending me these pre-qualified offers going forward. Today I received another one. I want these offers to stop as they will not approve the loan but yet they keep sending the pre-approvals. When I log in to their website, it states I do not qualify for a loan with them prior to accepting an application. Since they know this much information about me, surely they can stop sending me false misleading information about being Pre- Qualified for a loan. They have no intentions of approving me for a loan, but yet they continue to send these letters after I ask them to stop!
Product: Vehicle loan or lease

From XXXX of XXXX to XXXX of XXXX ally auto financing got ahold of me to inform me that I was XXXX dollars behind. I offered in XXXX to pay the entire amount they insisted that if I did it had to be by cashier check from my bank when I explained that my bank close branch office was 5 hours away and I couldn't get on from them but I was willing to get a money order from one of the local bank. I was informed that that just wouldn't work and if I was going to be difficult there was nothing else to discuss and they hung up. This repeated itself in XXXX with the agent calling me a few not so nice names. In XXXX when they called again I informed them that I was more than willing to pay in full what I owed and again the agent demanded I get a cashier check from my bank. I finally got the woman to agree to a money order from a local bank since I had to explain to her that it was almost the same because the money would be paid to the bank when I got it and then to them when they cashed it. She then said that was fine and I needed to have it overnighted I explained that I would have to wait till the first because I am on XXXX from the VA. She informed me that there was no possible way that they would wait the 6 or 7 days till the first and I was just XXXX living of of everyone else. I informed her to get ahold of there legal department before she said anything else she made a few unpleasant comments about not telling her how to do her job and hung up on me. I heard nothing else from them and they continued to take my monthly payments. Then I found out after they repossessed my vehicle this week that I hadn't been making my payment so I did some checking and discovered that they had decided to stop taking the payments on there own decisions. When I inquired as to the reason for the repossession I was informed it was because I stopped paying on it. When I checked I found emails from them that they had decided not to take the payment this i discovered had XXXX going on since the middle of XXXX without my knowledge. I explained to the gentleman I talked to and he assured me that that couldn't be possible but I insisted that he check when he did he got very quiet and just told me the name of the company that did the repossession. I asked him how they could do that and he wouldn't answer. I then informed him that I wanted all the paperwork and records that they had on my lone I gave him till Friday XX/XX/XXXX to have it to me. I have not received it nor will anyone there talk to me
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding a fraudulent collection account that has been reported on my credit file. The details of the fraudulent account are as follows : Collection Agency : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, VA XXXX Original Creditor : XXXX XXXX Account Number : XXXX Balance : {$880.00} Date Opened : XX/XX/year> I do not recognize this account, nor do I have any contractual agreement with either XXXX XXXX XXXX or XXXX XXXX. I have been a victim of identity theft, and this collection account was fraudulently opened in my name without my authorization. 

I am providing the following supporting documentation to substantiate my claim and request the immediate removal of this account from my TransUnion credit report : Affidavit of Fraud ( Attached ) FTC Identity Theft Report ( Attached ) Copy of my Government-Issued ID ( for identity verification ) Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c-2, I formally request that TransUnion block and remove this fraudulent collection account from my credit report. As required by law, credit bureaus must remove fraudulent information within XXXX  business days upon receipt of proper documentation.

Please investigate this matter promptly and provide me with an update regarding the status of this dispute. I request written confirmation once this account has been removed.
Product: Mortgage

I applied for a mortgage refinance on XX/XX/2020 through XXXX and was connected with loanDepot, a mortgage originator. My wife and I spoke with a loanDepot representative that day extensively were approved for a XXXX mortgage at a rate of 2.875 %. ( See attached " loan detail & fee worksheet '' ). Over the next few days, my wife and I assembled the necessary documents as requested by loanDepot and scheduled an appraisal for XX/XX/XXXX. 

On XX/XX/XXXX, I received a call from the XXXX of the loan XXXX we worked with indicating that for unforeseen issues, they would be unable to fund our loan. I vehemently protested and highlighted that my rate was locked until XX/XX/XXXX per the various contracts we signed. The loanDepot representative did not consider my arguments nor honor the opportunity to extend the lock period as I believe most lock contracts make available. 

On XX/XX/XXXX, I received an email from loanDepot stating, " Our team has reviewed your loan application and are unable to offer you funding at this time. '' This message suggested my loan was not approved due to a problem in my credit/personal file which was inconsistent with the message I received from loanDepot up to that point. 

Since this time, other mortgage originators have consistently reached out to me to refinance highlighting attractive rates. However, tracking mortgage rates, it doesn't appear they would be competitive with the 2.875 % offered on XX/XX/XXXX by loanDepot. 

The calculated monthly savings on my mortgage was on the order of $ XXXX and total interest savings near {$100000.00} over 20 years. loanDepot 's actions and unwillingness to fulfill their contracted obligation has had a significant long-term impact on my family 's financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This Collection Agency has listed a collection on my credit report. Firstly, they have not validated that this debt belongs to me. Secondly, they are not licensed in my state to even collect debts which is a violation of the federal law. Please remove all collections from my reports as soon as possible otherwise I will have my lawyers look into a lawsuit.
Product: Credit reporting or other personal consumer reports

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 instructons 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 tan 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 modity accounts tat isnt reporting correcuy. 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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case. 
Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$4000.00}
Product: Checking or savings account

On XX/XX/1922 XXXX XXXX I hire XXXX XXXX XXXX  to build me a website I pay them a full amount of XXXX and XXXX and they got all my money and they did not build the website I send the proper documentation into Wells Fargo and Wells Fargo refuse to get my money back from these people because they say they can't track them down
Product: Credit reporting or other personal consumer reports

I saw an unknown address on my Experian credit report and so I started a dispute to have that address taken off and then this morning I got the results of the dispute and it said a different address has been removed from my credit report. The original address I wanted removed was on XXXX XXXXXXXX XXXX XXXX XXXX XXXX but the email I got today said an address from XXXXXXXX XXXX XXXX had been successfully removed from my credit report so Im confused and wondering where that XXXX XXXX address even came from because I didnt see it on my original report and what happened to that address at XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchase the vehicle from XXXX XXXX under XXXX XXXX XXXX XXXX and paid off XX/XX/2017, received release of lien. At  the end of paying off the loan they will not report the loan was paid in full {$26000.00}. I want it reported to XXXX, XXXX and experian that it is paid in full. XXXX XXXX financial manager said he would do it. He is no longer with the company, XXXX the stepson of owner threatened if I persisted he would report I was late on payments. I am a single female and I will not allow anyone to obtain any favors for a favor. I do not want to go in there. I paid the loan off and it should be reflected. I suffered with XXXX XXXX and I need my credit report to show paid. I have to repair my home and need a loan. Threatening consumer to make a bad report after paying off the loan should be illegal.
Product: Debt collection

I received a letter from a debt collection agency on XX/XX/2021 for an amount of {$1400.00} this account is incorrect and was sent to this collection agency fraudulently because this account was paid through XXXX  on XX/XX/2021 from creditor XXXX XXXX  XXXX The debt collection company that sent me the letter is called Receivable Performance Management LLC , Reference Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX. This is a fraudulent account with this debt collection company because they are requesting a fraudulent amount that was paid through another debt collection company.
Product: Debt collection

Debt Revovery Solutions are attempting to collect a debt on behalf is the XXXX XXXX  XXXX With whom I have settled with based on the affect of identity theft
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX my credit score went down XXXX points on Experian without explaining why, I have no new account. Please verify my report on Experian. 
I have no collections accounts on XXXX and XXXX Experian not matching with the others credit companies Please delete unverifiable collections accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 at XXXX, an employee at Marshall 's asked if I wanted to sign up for their " rewards program '' saying that I would get a 10 % discount on today 's purchase and 5 % cash back every time I make a purchase at XXXX XXXX XXXX XXXX XXXX XXXX. She did not disclose that I was signing up for a credit card or that a credit check would be disclosed. I only found out about the hard inquiry after receiving an email that they viewed my credit report. I am now filing a dispute as she was intentionally misleading me into applying for their rewards card, when in reality it was a credit card. I have contacted Synchrony Financial and they said that they will be sending me a letter asking for further steps if I wish to continue with the application and to disregard the mail if I wish to cancel the application.