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

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of [ list account types ( example : a personal loan or loans, a credit card or credit cards, and any other accounts ) ] from XXXX XXXX XXXX  with a balance of {$1000.00}, XXXX XXXX XXXX with a balance of {$1000.00}, and XXXX XXXX XXXX with a balance of {$270.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that are being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX  : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have XXXXcomplained times. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 120 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX from the fraud department they don't help waste ever and lie saying that its been disputed but come to find out was never disputed which is causing me more XXXX I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution.next step is to take transition to court to sue for defamation of character of my name and damages that was caused to me They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 120 days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this jo

b offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now. nobody helping me and I don't wan na live no more please
Product: Checking or savings account

I have a checking and saving account with bank of America, and they were restricted by the bank on XXXX And, on XXXX, I was informed by Bank oi America that my both checking and saving account was closed due to business solution and without giving me any reasonable causes. They send me an mail on XX/XX/XXXX saying that they froze my money in the account and needs further review but without any reason was given to me. Bank of America 's service line told me they mailed a check to me on XX/XX/XXXX, but I did not received. And, they advised me to contact the closure department, and the closure department told me my money in the account is still in the review but without any updates and reason. I do not believe it is reasonable to restrict my money in this way.
Product: Credit reporting or other personal consumer reports

My credit report shows billing errors, including late payments that dont align with my usual payment behavior. Please update and correct.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Mortgage

After being approved for a modification on XX/XX/XXXX i attempted to make a payment online. I received a message stating unable to process online payment at this time. I received no confirmation number or email Since my payment was due i made a payment via XXXX XXXX. 

On XX/XX/XXXX the payment I attempted to make online was deducted from my checking account. 

When i called PHH mortgage i was informed there were issues with the website and or the wording of they payment denial issues. 

I asked for a refund i was informed they would have to mail me a check they were unable to refund to the how they payment was issued they could not say when but they would try to speed up the process I was refused the opportunity to speak to a manager. 

PHH mortgage advised they receive many calls about this issue I was denied a contact number for there corporate office and could only be provided a mailing address or fax
Product: Credit card

I have been unable to use my card for 4 months. It does not appear in my account nor have my automatic payments been made. I was on hold for an hour and spoke to several representatives that just kept transferring me. I filed a better business bureau complaint but have not reached anyone that will tell me what's going on. 

I would like my card reinstated for use.
Product: Credit card or prepaid card

On XX/XX/XXXX, I filed a dispute with XXXX about an unauthorized charge on my account and it 's XX/XX/XXXX and nothing has been resolved. When I called, they asked me to contact the merchant since the transaction was outside XXXX 's. This is ridiculous and I 've never heard anything like this. I believe this is a reg E violation, since no provisional credit was issued neither have they resolved it within 10 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was victim of identity theft, somebody used my personal information.
Product: Checking or savings account

My family hit some hard times and I did XXXX  insufficient funds within my checking account. However, I also did pay XXXX for each one. I have been with the bank since XXXX  and have never had checks bounce, etc. My husband recently used the UMB mobile app to deposit his checks totaling over XXXX. Keep in mind we have done this 2 weeks ago and they held all but XXXX for the weekend. well this time they 1st withheld funds totaling more than I deposited ( I have screenshots ) and this morning they changed the mobile app showing that I have XXXX but available only XXXX. They will not work with me or even give me enough to feed my family. it is my husbands money that he worked hard for. we were not overdrawn at the time of the deposit and have more than enough for any fees they think they deserve. I have tried to also work with the branch and they advised XXXX ) that the guy I was told by the UMB Customer service number who had placed the hold was not an employee ( note : he appears to be a XXXX XXXX of UMB XXXX XXXX ) There is NO one that can release the hold so I would have to wait until XX/XX/XXXX to receive the funds XXXX ) when I requested to speak with someone higher up they hung up on me. So now if anything I have that direct debits for payment will not cause another 36 insufficient fund fee. So all of this is for the banks advantage not mine even thought they said they were protecting me!!! Who is going to feed my family this week?
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/year> PORTFOLIO RECOVERY ASSOCIATES LLC XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Dear PORTFOLIO RECOVERY ASSOCIATES LLC, I am writing in response to your recent communication regarding the alleged debt associated with the above-referenced account. I am requesting validation of this debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
I am aware that the statute of limitations for collecting this debt may have expired, as it pertains to credit card debt from approximately XXXX years ago. However, I am requesting validation of the debt in accordance with my rights under the FDCPA. 
I am also writing to bring to your attention that, under the Consumer Financial Protection Bureau 's Regulation F, specifically 12 CFR 1006.34 ( B ) ( 5 ), you are required to provide validation information upon request. 
As per the regulation, " Validation information means information that confirms the consumers name, the debt amount, and the name of the creditor to whom the debt is currently owed. '' I am formally requesting that you provide this validation information for the debt referenced in your recent communication. 

Please provide the following information : The original creditor 's name and contact information. 
The original account number and the date the account was opened. 
The total amount of the debt, including any interest and fees that have been added since the XXXX payment. 
Documentation showing that you are authorized to collect this debt. 
Please note that any further communication regarding this matter should be in writing. I am exercising my rights under the FDCPA to request that all future correspondence be conducted through written means only. 
I expect your compliance with this request within the time frame specified by law. Failure to provide this validation information may result in a violation of federal regulations.

Additionally, please be aware that I am keeping thorough records of all correspondence regarding this matter, including copies of this letter and any future communications from your office. 
Thank you for your prompt attention to this matter. I look forward to receiving the requested validation of the debt within the time frame specified by law. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have contacted XXXX about this account repeatedly. This is not my account. This account is not in my name. There is a fraud report in all. XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2020, my wife and I looked into a debt consolidation loan with XXXX XXXX  XXXX XXXX. The website specifically said that checking into the available interest rates would not affect our credit score. In fact, we never even completed the information form to get the interest rate. Yet, I later noticed an unauthorized credit inquiry to TransUnion from this company. After trying to call XXXX XXXX   XXXX XXXX on two different occasions to have them delete the unauthorized inquiry ( on XX/XX/2020 XXXX, I was not able to get through. In fact, I couldnt even leave a voicemail as their phone system, while I was on hold, hung up on me two times in a row. Then, I tried to call TransUnion to have them delete the inquiry but their phone system only allows one to obtain an annual credit report. Though I tried to access a real person, their system would not allow it. Please help me have this unauthorized inquiry deleted. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to show XXXX accounts on my consumer file. All information by law is suppose to be accurate. The following amounts are on my file {$1200.00}, {$690.00}, {$1700.00}, {$1500.00} and {$1300.00}. Experian has on my file the address XXXX XXXX XXXX XXXX XXXXXXXX, MDXXXX this isnt my address and has never been my address. I'm uploading my Drivers license and correspondence from XXXX.
Product: Credit reporting

Experian is still ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Product: Credit card or prepaid card

Capital One has falsely navigated and put together a claim that I have an account established with them. Ive attached a copy of the initial police report and fraud report to the police department in my region. Lets see what excuse they have after this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX & XXXX listed a collection inaccurately on my credit report that I've already had removed. The dates, in which they've listed, are false and seem to restart over and over to make the debt appear to be more recent.. The collection agency willfully re-aged and knowingly placed this collection ( with false information ) on my credit report. 
I did not receive a validation/verification letter in regards to this debt being sold to them previously, before the debt appeared on my report. This has caused my credit score to drop tremendously and resulted in denials of credit lines and violated my rights.. Under FCRA and FDCPA guidelines I asked for a proper investigation, in which the bureaus claimed the debt verified. There were no interviews from family, friends, or my associates regarding my character or reputation. The date last reported is false and re-aged so how can the debt be verified and it is not 100 percent accurate. There were many violations made on the behalf of the collection agency. Including my right to privacy as stated in ( 15U.S.C 1681 section 602a ) nor did I give anyone written permission to furnish this on my report as stated in ( 15USC 1681 604a ) ( 15 U.S.C 1681g ) ( 15 U.S.C 1681c ) ( 15 U.S.C1681s2 ) ( U.S.C 1681b ) ( 1681a )
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been reported inaccurately. I saw the report and the account has a lot of inaccurate information such as the payment history and the dates reported. The payment history does not report any late or charged-off remarks. This is absurd. If there is no late remarks at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

A late payment reported to the reporting agency and I never pay my cards late I noticed a drop in credit score so it made me do research into whats going on I found the acc with XXXX XXXX that I dont use that is not mine that I did not authorize acc number XXXX and a host of credit inquires that are not mine and I did not apply for XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I do not use credit cards a lot nor do I check my credit report I have also made a police report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a promissory note to our credit history as XXXX, XXXX, XXXX, and soon 120 days late. The XXXX on the promissory note includes access to the XXXX XXXX XXXX XXXX, and we should have received XXXX expo points to book reservations and access various vacation-related discounts. In addition to this, we were told that the promissory note would not get reported to our credit history. We were ready to walk out until this was verbally confirmed by the sales rep, XXXX XXXX, and XXXX XXXX, who presented the timeshare agreement. There is also a note on the original credit form that they refuse to provide us with a copy. The first problem is that they reported the debt to Experian as a timeshare loan. Secondly, my wife and I have not been able to use the XXXX Expo points we paid for. So far, we have paid XXXX dollars, between the down payment of {$2100.00}, XXXX payment of {$300.00}, and XXXX monthly payments of {$330.00}. Our attorney notified XXXX XXXX that my wife and I could not book reservations, among other discrepancies of this ordeal, in XX/XX/2023. XXXX XXXX has ignored this and other issues but has continued to report that debt to Experian. And now, reporting it as late has dramatically affected our credit history. We have not received what we paid for, and they should not be entitled to our {$4100.00}, which should be removed from our credit history immediately. To date, we have had no benefits from the XXXX XXXX purchase.
Product: Credit card

XXXX XXXX duped me and probably thousands of other people into getting the Citi AAdvantage Mastercard and dedicating our airline choices and money to achieve the highest elite level, XXXX XXXX XXXX XXXX XXXX, with the false promise I would receive unlimited free upgrades to First Class 'up to XXXX hours prior ' to the flight. 

Since achieving XXXX XXXX XXXX XXXX XXXX status in XXXX XXXX XXXX, I have never received a free upgrade XXXX hours prior as promised on both the XXXX website and the AA Citicard website

as a benefit of being XXXX XXXX. Very disappointing and discoursing. I feel as though I have been purposely scammed. After realizing that all my hard work and money spent on their credit card to achieve XXXX, I started noticing there
were many open/unsold first class seats in this XXXX hour prior window. I could even purchase a first class ticket if I wanted. Yet still no free upgrade to first. XXXX  or XXXX  I may have got the upgrade but that wasn't until checking in at the airport and arriving the gate. 

XXXX  appears to be acting in a predatory manner, encouraging us to get the credit card, and over selling the promise of a free upgrade XXXX hours prior but never giving them out to their loyal XXXX  members. Rather, they appear to still hope they can sell these seats to other customers in this XXXX hour window. They do the same thing with XXXX XXXX XXXX XXXX  passes purchased on line... They allow us to purchase them, yet all clubs are not accepting them! 

Since noticing this, and not getting the free upgrades XXXX hours prior, I was forced to use my miles ( XXXX each way ) and pay a co-pay of {$75.00} ( each way ) in order to get the upgrades. Which in almost all cases I have been getting them now that I am paying more money and wasting my hard earned miles on something that should have been free. 

I would have never got this credit card, had I known XXXX wasn't going to honor the XXXX hour free upgrades. 

XXXX XXXX XXXX
Product: Debt collection

In a previous complaint : XXXX XXXX XXXX XXXX   XXXX, On XX/XX/XXXX, XXXX filed an erroneous " Company 's Response '' to the CFPB. 
Containing a misleading statement and supported that criminal act of perjury with a fraudulently altered document. 

1 - Statement : Verse 7 : Reads " The complainant is encouraged to send the executed stipulation and the first monthly payment of XXXX to the firm on or before Friday, XX/XX/2020 ''. ( See attached file : Response ) 2 - The Falsified Stipulation that was uploaded to support this claim States : Verse 4A : " Monthly payments of {$310.00} beginning on or before XX/XX/2020 " ( See attached files CFPB pg 1 and 2 ) 3 - Two days later. On XX/XX/2020. XXXX XXXX XXXX  submitted to the Utah Court, a different version from that which it provided to the CFPB. Which states : Verse 4A : " Monthly payments of {$410.00} beginning on or before XX/XX/2020 " ( See attached files : Utah Court pg 1 and pg 2 ) 4 - XX/XX/XXXX vs XX/XX/XXXX 5 -  These criminal acts were committed with the intent to hide the truthful Amended Stipulation, submitted to the Utah Court. Which is " Incapable of Performance ''. Intentionally created with an expired " Beginning Payment Due Date in  an attempt to Defraud the Defendant of {$4100.00}. 

6 - The intended Scam is to prevent the Defendant from being in compliance with the stipulation. Then force the Utah State Court to change the amount from {$7500.00} to {$11000.00} due to noncompliance. The difference being {$4100.00} 7 - {$11000.00} is the payment amount listed in the original stipulation that the complaint was about. XXXX XXXX excused it as a company error. Evidence of yet. Another lie. 

8 - In a statement from XXXX XXXX XXXX. Lawyer XXXX XXXX XXXX, Utah State Bar ( XXXX ). Too ridiculous to explain. Please read his statement and argument to the court as an excuse for the fraudulent statement and altered document. 
( Court Doc pg 1, 2, 3 ) 9 - In this statement. He lists XXXX 's Compliance Attorney as the person who committed the actual crimes of perjury and falsifying the document. Her, ( no name given ) superior officer, The Compliance Officer,  is XXXX XXXX. The CEO of XXXX XXXX XXXX. 

10 - Then in closing arguments. The Plaintiff, Barclays Bank Delaware is implicated as being a co-conspirator in this Scam. 

11 - After the first complaint. I received a call on XX/XX/2020 from XXXX XXXX. A representative of Barclays Bank Delaware The phone number on my caller ID is : # XXXX. She may be the co-conspirator link for Barclays Bank Delaware. As referenced by Mr. XXXX XXXX XXXX. Attorney for the XXXX XXXX XXXX XXXX 

Please Investigate the criminal acts. Committed towards your own Agency. 

Thank You XXXX XXXX
Product: Debt collection

I previously lived at a residence where I had XXXX XXXX as the electric company. Due to a divorce, I moved out of the residence and moved to another residence. My ex spouse was awarded sole and exclusive of the house that included paying the utility bills. I received notice at my new residence that she did not pay the monthly bill and service was going to be turned off until the balance was paid. I contacted XXXX XXXX, explained to them I was no longer in the property and bills should be going to her ; not me. They would not allow me to take my name off the account due the past due balance. At some point, with my personal information and not any knowledge or authority, my ex contacted XXXX XXXX  to set up billing arrangements. In XX/XX/2019 the house was sold and my ex moved to another property. It was not until I was received the first collection notice did I know she did not pay the final bill when she moved from the property. I disputed this account with the collection company and it was found to be in my favor, that I did not owe the balance so it was removed from my credit. Months later i received a second collection notice from a different collection company for the same unpaid balance in my name. I disputed once again ; I was told the balance was not my problem and that it would be removed. Now a third time from the same second company again ; I am told i owe the balance. I have supported documentation stating I was not living in the property and that she had exclusive use of the home. I also have proof that the collection account was removed from my credit report the first time. I do not feel I should be liable for this balance as one ) is not mine ; two ) XXXX XXXX  would not allow me to remove my name from the account ; three ) XXXX XXXX  allowed use of my account for payment arrangements to someone who falsely used my information ; four ) I was already informed twice that this balance should not be my responsibility