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

I recently reviewed my credit report and noticed accounts that was not reporting accurately. I had late payments on accounts that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. These accounts has not been late on payments, I've attached a copy of my report to this complaint on the following dates ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm now requesting you investigate these accounts and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 the vehicle I had co signed to financed was involved in a car wreck. The person at fault had XXXX  XXXX  for insurance. I contacted them within days of the wreck. They deemed the car a total loss. XXXX XXXX  emailed that they would send me a check so that I could pay off the car to the lender ( XXXX XXXX ). Some weeks went by and when I contacted XXXX  XXXX  they said that they paid XXXX to XXXX XXXX  in XX/XX/2020 instead of sending me the check. That left a {$400.00} balance to pay off the car. So in XX/XX/2020 I contacted XXXX  ( XXXX XXXXXXXX ) to move forward with getting the rest of the car paid off. During this entire process I was contact with my lender XXXX XXXX. They confirmed that they had received the XXXX check in XX/XX/2020 and I let them know that XXXX  said they would pay the remaining balance of the {$400.00}. It may have been a little more. However XXXX XXXX  put a charge off on my account at the end of XX/XX/2020. They were given XXXX in XXXX. When I spoke to a manager at XXXX XXXX  in XXXX concerning the charge off they said I should of paid out of pocket. The check from the Insurance was mailed to them instead of me. I had no controller over that. I should have not gotten a charge off at the end of XXXX. I worked really hard to to stay in contact with XXXX XXXX  and XXXX XXXX  to make sure that they received their money to get the car paid off. This charge off should be removed. I did not neglect to pay. Again {$8000.00} was paid in XX/XX/2020 and only a small amount was left to pay on my XXXX XXXX XXXX. Please remove this charge off. I did sent letters to the credit bereus but nothing was done
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified of fraud from a credit monitor system ( XXXX  ), that multiple credit cards accounts were attempted to be opened and inquiries placed on my credit report all with XXXX, XXXX and Experian companies. The dates of these inquiries include : January 22-24, 2023. XXXX inquiries were with XXXX credit card company ( XX/XX/XXXX and XXXX, 2023 ), which I called them about, and made them aware that the person was not I who attempted the accounts. They stated the person committing XXXX tried for a XXXX credit card through them, which they declined at the time. XXXX credit card representative stated the he would notify the XXXX Credit Bureaus XXXX XXXX XXXX. I then called XXXX XXXX to notify them of the XXXX inquiry on XXXX XXXX. They stated that they did not see an account opened in my name and that I would have to send them the XXXX report letter by fax, which I am doing today, for them to follow up with Experian. I then also notified XXXX  credit card company of the inquires placed on XX/XX/XXXX and XXXX 2023. Per XXXX  they could not do anything about the inquiries due to no account being shown under my name or social. They stated I would have to wait and call them in a couple days to see if there are any new accounts made in my name. They stated they could not notify the XXXX or Experian since there was no evidence to be seen from them of fraud. After calling XXXX, XXXX  and XXXX XXXX, I then called each of the Credit Monitoring establishments. XXXX was notified of each inquiry and my account frozen to assist with further fraud attempt. Experian and XXXX were also notified and all have been XXXX account wise. After reporting all of this, I will be sending the reports from XXXX to XXXX, XXXX, Experian and all the credit card companies to help assist with deleting these fraudulent Inquiries on my credit reports.
Product: Checking or savings account

I opened a checking account at Chase Bank here in XXXX XXXX, XXXX. I opened the account because they offered {$220.00} for a new account openings with a direct deposit from a retirement account Social Security account or other direct pension payment. After the account was opened I contacted my individual retirement account institution and arranged for a regular monthly periodic payment from the IRA. Chase has received the monthly payouts from my IRA for XXXX, XXXX, and XXXX, XXXX  but steadfastly and without foundation will not pay me the {$220.00}. I am a senior citizen. I get the run around from Chase Bank complaint department. They say that it is not a direct deposit from an IRA but rather from a brokerage account. This is wrong and incorrect.
Product: Credit reporting or other personal consumer reports

I had a PPL ( Parent Plus Loan ). My mom was approved for forgiveness and the loan was cancelled and cleared from her credit report and I have disputed this on my credit report but it has not been removed as well as other incorrect information and neither of the 3credit bureaus ( XXXX, XXXX, Transunion ) have removed these negative remarks from my credit report no matter how many times I dispute them. 

I never had an account with XXXX. I disputed this account as well and it is still on my credit report causing a negative impact. Ive not heard anything back from the credit bureaus about this issue either.
Product: Checking or savings account

I question what is the XXXX XXXX XXXX and provided Wells Fargo XXXX XXXX with screenshots of XXXX saying it's connected to a account that will cover the overdraft and the branch manager could not answer the question. Calling on the XXXX of XX/XX/XXXX I was asked personal questions as if applying as credit and got XXXX alerts saying a Wells Fargo account was opened.. I also see a check cashed not in the amount of my Social Security Disabily because I withdrew the cents on XX/XX/XXXX and XX/XX/XXXX the check cashed has no cents. My money transfers from Wells Fargo to XXXX XXXX is not showing on my account. I called at one point in time I was told my balance was negative XXXX XXXX and odd dollars because my money did post. They asked for a amount of XXXX of ever transaction until XXXX XXXX blocked my online account access and sent a email at midnight for me to log in. And seeing Wells Fargo sent auto reverasle to the XXXX XXXX dollars and some odd dollars. XXXX is spouse to posted to Wells Fargo to take it out of the negative. When I questioned the activity of XX/XX/XXXX and XX/XX/XXXX I was blocked from online access from Wells Fargo. Not wanting to pay my XXXX Phone bill XXXX dollars is sent back and forth to from Wells Fargo. Saying posted with the negative balance not changing and sent screenshots to Rep of Wells Fargo XXXX that if A Insurance account I have it has no online access. When I first opened the account that was my will no phone calls can access my account and no online. The day I walked into Wells Fargo XX/XX/XXXX it seemed as I made XXXX withdrawals but I was turned away saying my Social Security Disabily had not posted after calling I was able to go back in the same day and withdraw my Social Security Disability Check. After discussing with XXXX and asked about my ATM MISSING MONEY AND XXXX  XXXX REVERASLES IN XX/XX/XXXX XXXX is Still working the case. Still no answer of giving my prepaid XXXXXXXX XXXX  debit card to the banker at the window as a second form of verification why my Card stopped working and why so many calls from the local branch when trying to use the card with XXXX and questioning XXXX XXXX XXXX  even merged calls to say I was on a important calls repeatedly called right back also the Lady who opened my new Account refused to let me access the premium account of having a certain amount of money monthly because she determined that I would not have XXXX a min. a month and was told I did and was go have overdraft I never did get it until asked for reference numbers from XXXX that was mailed and me stating XXXX XXXX  mail gets returned from my local Post Office and I have received no Debit cards from Wells Fargo since XXXX and this was in XXXX I went into the XXXX TX to speak with her on the phone then I got overdraft but she only asked about the same cases as if it was a new filing with no updates to the cases she is working on.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XX/XX/2022 In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX XXXX  Account # XXXX, has violated my rights. 

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 an account without my written instructions.

15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Checking or savings account

I received XXXX emails on XX/XX/XXXX confirming that my new accounts were opened. I never authorized these accounts. There is a freeze on my credit report which means these accounts were opened without proper verbal approval from me. Confirmation numbers : XXXX - account ending in XXXX XXXX - account ending in XXXX Since then, the account ending in XXXX has been closed. But, the checking account ending in XXXX has not. I received correspondence in the mail from Bank of America requesting that I send in information including my social security number and other documents to " Identify that I am who I say I am '' to prove that this account was opened fraudulently. Bank of America already mishandled my personal information once and I don't feel comfortable sending them that information. They had no issue opening a checking account and issuing a debit card before they were able to " identify that I am who I say I am ''. 

I have since received XXXX separate notices that checks are trying to be deposited into this account and other banks are alleging that fraudulent activity is being conducted in my name. This account MUST be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe i have been a victim of identity theft my information was exposed in a data breach. This has really affected my life in so many negative ways. I need help getting this resolved
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Did XXXX XXXX XXXXXXXX have any involvement with XXXX XXXX XXXX XXXXXXXX XXXX and loan XXXX. 

Tradelines XXXX resolve XXXX. 

Any involvement with XXXX XXXX XXXX XXXXXXXX at XXXX XXXX XXXX together. 


If XXXX XXXX XXXXXXXX continues lies, fraud and abuse of power refusal to answer my questions on Fraud the CFPB should issue a Fine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase card is reporting a late notation for XX/XX/20 and ask that they please remove it. Due to Covid, I suffered financially and have done my best to stay current and make all my payments on time. Prior to this, I had no lates and have not been late since. I was just having hard time with the holidays and my hours being cut because of Covid. I was surprised to see that Chase is still however, reporting lates on credit during a time of hardship for people. Under the CARES act creditors were supposed to take lenience on credit reporting because of events surrounding the pandemic. I ask that Chase please take leniency on my hardship and remove the XX/XX/20 late as a one time goodwill adjustment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two to three weeks ago, I tried to have a freeze on my credit lifted from all three credit bureaus. I dont remember which one it was exactly. I contacted either Equifax or XXXX I was declined from speaking to someone because they said they couldn't verify my identity. I think they have the wrong address on my person. From either Equifax or XXXX, I was instructed to send a letter containing my name, soc. Security number, date of birth, two documents verifying my identity, signature and intention I did all this and sent letters to all three credit bureaus. Nothing is being done. I only received one letter from XXXX, I think.it was my credit report. I can not get my credit unfrozen after I contacted them and did everything that was asked. I need help with this because they aren't doing anything to fix the problem.
Product: Debt collection

Dear CFPB RE : PPP1 SBA Loan # XXXX / Amount {$94000.00}. 
We are seeking assistance from the Consumer Financial Protection Bureau regarding a Bank of America PPP loan made to The XXXX  XXXXXXXX XXXX XXXXXXXX ( XXXX, Georgia XXXX ) under the Cares Act. The loan initiated via the SBA and the US Treasury was intended to provide some relief to small business during the pandemic to keep them from closing by covering employee payroll and rent etc. We can honestly state without the XXXX in the PPP1 funds the XXXX XXXXXXXX XXXX XXXXXXXX would have surely failed. Whats important to know is that we have attempted to reach out to Bank of America in good faith since XXXX, 2021 and to date they have failed to respond. We have literally hundreds of communication to BofA regarding this matter and to date the matter remains unresolved. 
The Problem : Bank of America is requesting that we pay 1/2 the funding from the SBA PPP be paid back n the form of a loan payable to Bank of America thats nearly XXXX of the XXXX they want to recover. Worse we were informed of this news almost 1 year into the pandemic, and 1 year after the loan documents were signed and closed. Again It's important to state the funds were spent on the required expenses by the time Bank of America stated they wanted 1/2 of the loan back in the form of a loan. This is odd as Bank of American has never approved a loan application for the XXXX XXXXXXXX XXXX XXXX, even for as much {$500.00} credit card its interesting that we can to get XXXX loan approved without as much as an application when it with Bank of America 's interested - unfortunately the XXXX loan amount has the high potential for default, and likely would trigger a bankruptcy for the XXXX XXXXXXXX XXXX XXXXXXXX Please see attached additional documentation
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX  Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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

The collection agency opened a collection against me fraudulently in XXXX. I have never lived in XXXX. I contacted the agency to begin resolving the issue and requested to speak with the collection agent noted on the notice. XXXX XXXX refused to transfer me to speak with XXXX XXXX XXXX. I then confirmed my address and contact number to have an affidavit mailed to me and XXXX XXXX refused. I contacted XXXX XXXX, company XXXX to inform of this issue. The telephone exchange occurred on Friday, XX/XX/XXXX between XXXXXXXX XXXX XXXX time.please use the recorded conversation as evidence of the companys rep refusal in addressing this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX, 2019, I discovered that my personal information has been misused by an act of an identity theft crime. The problem was reported to all three credit bureaus as soon as I discovered fraudulent financial activities using my personal information. 
Exactly, seven credit card accounts were made using my identity and I reported each accounts to credit bureaus and requested removal and suppression of inaccurate accounts ' information from my credit report. 
I successfully filed two separate identity theft reports, FTC and local law enforcement, and submitted to credit bureaus. 
Unfortunately, Experian and XXXX XXXX credit reporting agencies are not honoring official identity theft reports from two different law enforcement agencies and still reporting few fraudulent accounts ' information on my credit report. 
I am very concerned about their illegal action towards me. Neither Experian and XXXX XXXX did not submit any significant proof that accounts belong to me, and creditors did not provide any result of their investigations nor the method of verification. 
I requested to see who approved these accounts, who witnessed myself creating these account, and who witnessed using these accounts for myself. 
Both parties are violating FCRA and continuing to post inaccurate accounts ' information on my credit report. 
Please advise them to remove all of fraudulent accounts that are currently being posted on my Experian and XXXX XXXX credit report. I will attach each copies of police report and FTC identity theft report to CFPB. 

XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX  XXXX These accounts are still being fraudulently reported on my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX of XXXX I made a purchase at XXXX XXXX for an engagement ring. They told me it was a 12  month payment plan and as long as I paid it off in 12 months there would be no fees or interest charge. I was told my payments would be due on the XXXX of every month ( {$350.00} ). XXXX XXXX credit card is ran through Comenity. 

On the Comenity website I believed it was a pretty simple process. The main page had my balance and minimum I would have to pay each month so I can get the ring paid off on time.I did not have a charge for the month of XXXX and when I called in and asked why not they said it was because XXXX would be the first full billing cycle so that is when my payments would start. 

Everything was going smoothly and on XX/XX/XXXX of XXXX I made what I thought was my last payment on the account so my balance showed $ XXXX.On XX/XX/XXXX I started to see a number of {$730.00} on my account which included a back dated charge of {$710.00} on XX/XX/XXXX of XXXX which did not show up on my account until that XX/XX/XXXX date, after my balance said {$0.00}. 

When I called to ask them what happened since I started making payments in XXXX of XXXX and got them completed in XXXX of XXXX, they said it was 12 months from the day I bought the ring. They showed me on my online account after I clicked a few tabs to get to my online billing statements that there was a section that said I had to get it paid by XX/XX/XXXX of XXXX. This frustrated me greatly because the Comenity account had my payments I needed to make at {$350.00} dollars each month starting in XXXX of XXXX which set me up to fail by the time I needed to pay it off for them. It indicated nothing on the main screen to me where I would log on and make my payments that anything needed to change or an alert that this was happening ( the account usually has alerts that come up when I log in ). If I were to have paid everything off when they wanted me to, this would have caused me to make a payment almost doubled what I had been doing even if I was aware about it. 

On XX/XX/XXXX of XXXX I called in to Comenity to file a dispute. After I got off the phone with them I wrote a written dispute and sent it to them like they asked. On XX/XX/XXXX they wrote me back saying they have received my request and to not make payments on my account until the matter is sorted. On XX/XX/XXXX I was charged a late fee on my account and when I called in on XX/XX/XXXX to discuss why this happened when I had written confirmation that I was to not make payments they told me that after my initial call on XX/XX/XXXX they wrote in their notes that the matter was handled and I was to pay the amount even though on XX/XX/XXXX they wrote me in their secure message center to not make payments.They then told me that due to Covid-19 they do not have the staff operating to look into my dispute and that I would have to simply pay off all this interest and added fees.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX   XXXX   closed near my home, so I went in person to the branch in the   XXXX   XXXX   to close it .I told them I would pay in full what ever needed to be paid and close the account, your employee assured me it was closed when I brought it to a   XXXX    balance.I paid the balance up and was told by your employee the account was now closed.Since then I have been receiving overdrafts from dates after it was closed.My automatic deposits were changed at the same time that I closed the account.I tried to contact the bank at the number given me, no response, it went directly to music and I waited as long as half an hour with no response! I am   XXXX    and can not be traveling miles to do my banking.I would appreciate it if you would quit harassing me and keep the account closed as it was in  XXXX .And I do not owe any overdrafts on a closed account! Your prompt attention would also be appreciated.I had 4 other people along the day I closed the account.