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

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate these accounts/addresses were in dispute within 30 days now these accounts/addresses in violation XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX  ) XXXX Balance : {$320.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX
Product: Checking or savings account

This complaint has a previous CFPB Case Number ( XXXX as in the attachment ). This case is NOT resolved, as Bank of America is engaged in fraud. 

Bank of America forgave the PPP loan ( as in the attachment ).

Per IRS announcement IRS announces no reporting forgiven PPP loans on Forms 1099-C In Announcement 2020-12, the IRS has clarified that lenders should not file Forms 1099-C, Cancellation of Debt, to report the amount of qualifying forgiveness of covered loans made under the Paycheck Protection Program ( PPP ) administered by the Small Business Association.

The CARES Act established the PPP, which allows qualifying businesses to obtain loans guaranteed by the Small Business Association. Those loans will be forgiven if certain conditions are met, and forgiven amounts will not be includible in the borrower 's gross income for tax purposes. 

In Announcement XXXX, the IRS confirmed that the lender is not required to, and should not, file a Form 1099-C with the IRS or furnish one to the borrower as a result of the qualifying forgiveness when all or a portion of the stated principal amount of a PPP loan is forgiven because the borrower satisfied the forgiveness requirements under the loan. The Announcement notes that filing such information returns could result in the issuance of underreporter notices and confusion for borrowers. 

Yet the Bank of America gave me 1099-C just to harass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to fix the spelling of my name on my Equifax profile to no avail. 

My home purchase is currently in jeopardy because of this : I'm probably going to miss my closing deadline and lose a lot of deposit money. 

I finally was able to send them a fax with verification of my identify ( SSN card + drivers license ), and then I had to call them multiple times to initiate a credit dispute, each time it took about an hour speaking with a person who barely speaks any XXXX I tried to do this online, but those functions are currently broken on Equifax website. I even tried to pay them $ XXXX to access my credit report online - and that doesn't work too, the registration wizard is broken. Specifically " Step 3 : Identity Verification '' page has XXXX failures which prevent it from loading ... 

With credit dispute open and after I confirmed my identity over the phone a number of times, it still will take them " up to 30 days '' to just fix the spelling of my name! This is outrageous, it's been a week and I haven't heard any updates. Their website function to verify a status of the case is broken too, so I'll have to call again to check - and waste another hour of MY LIFE talking to them. 

Naturally, I'm not the only one experiencing such problems : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Oh and I forgot : they also leaked everybody 's data all over the Internet in 2017. 

This company is a disgrace. It needs to go, broken apart, restricted, taken over by the government. 

Thank you XXXX XXXX for dreaming this agency up. I have a lot of respect for you, for challenging the status quo on so many issues.
Product: Credit reporting or other personal consumer reports

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

XXXX - XXXX - XX/XX/year> - {$0.00} XXXX XXXXXXXX XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act
Product: Credit card or prepaid card

This is tied into complaint XXXX In order to give me access to the billpay service without a cellphone, a BBVA employee put in I'm guessing his or her cellphone number to bypass the system and activate the billpay. 

I was gravely concerned by this and contacted BBVA many times to get information on this number that was added to my profile that is NOT in anyway shape or form my number. I was ignored. 

I immediately stopped my direct deposit, and withdrew all my funds to protect myself from a loss because I was worried that the BBVA employee that put in his or her number on my account may quit the bank and then clean out my account. 

BBVA has now closed the billpay service and the checking account, but that false number is still there in my overall profile and now attached to my credit card. I'm not so worried about anyone stealing money from my credit card because I have enormous consumer protections from Reg Z, but BBVA might be worried about taking a loss because of FALSE information in customer profiles that was made up by its own employees. 

I emailed customer service on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX. 

I've received useless responses especially from XXXX XXXX who pretty much said a whole lot of nothing, and then refused to respond to my final three desperate attempts to get this problem fixed. 

I want the FALSE information removed from my account profile. I'd do it myself, but the system sends a text message to the number that's not mine and has never been mine so I can enter the code and delete it, and I suspect if I could, it would want me to put in a new cellphone number. 

I have NO phone service at this point of any kind : no land line nor cellphone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$3900.00} XXXX  XXXX XXXX XXXX {$11000.00}
Product: Credit card or prepaid card

I did not open a credit card with CapitalOne, I have had identity theft. I have tried to call them numerous times to discuss and submit police and FTC reports but they refuse. They refuse because I can not verify the account because it's not mine. So they refuse to speak to me, but yet hold try to hold me liable. They say its my account but wont tell me anything. IT IS NOT MY ACCOUNT SO THEY SHOULD CLOSE IT
Product: Checking or savings account

I got a call from Citi for complaint number XXXX. She said her name was XXXX and to call her back at XXXX or XXXX. Her voice wasn't very clear so it's either of those numbers. Those numbers don't exist.
Product: Debt collection

MY PERSONAL INFORMATION WAS COMPROMISEDAND USED TO OPEN FRAUDULENT ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE OR CONSENT. 

I HAVE FILE FTC REPORTS FOR IDENTITY THEFT AND CONTACTED THE XXXX COMPANY TO REMOVE THIS ACCOUNT BECAUSE OF FRAUD AND THEY REFUSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 {$1600.00} Grant and Weber I found this in my credit report. 
I have never heard of them or the original debtor. 
I have never received any phone calls, emails, or mail from either company. 
When I called they asked for a account number. I told them that I do not have one. 
They asked for social security number. 
When I provided my number they gave me someone elses name. 
When I asked for proof of who they or the other company is. Or something showing my name matching my social. A signature, a agreement with me, or my photo id tied to these accounts. They told me that doesnt matter. 
When I told them I feel like this is fake or fraudulent because they provided someone elses name with my social. 
I was told too bad. Sue that person.
Product: Debt collection

i received a letter from XXXX XXXX XXXX XXXX, a Debt buyer, stating that i owed XXXX to a company called XXXX XXXX  ... .. i ent a validation letter asking for more information and i never recieved a reply back, so i wrote a separate letter and still no reply i called the company and left several messages
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit reports.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXXXXXX XXXX  failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which XXXX violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure that my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}, XXXXXXXX XXXX XXXX XXXX : {$110.00}
Product: Checking or savings account

JPMORGAN CHASE BANK CLOSED MY CHECKING ACCOUNT SO THEY WOULDN'T HAVE TO PAY THE NEW ACCOUNT BONUS THAT I WOULD HAVE GOTTEN FOR HAVING {$1500.00} DEPOSITED INCLUDING DIRECT DEPOSIT. BOTH OF THE LOCAL BRANCH EMPLOYEES DIDN'T KNOW WHY THE BANK CLOSED MY ACCOUNT, WHEN THEY BOTH ADMITTED I HAD DONE EVERYTHING CORRECTLY AND THAT WAS NEEDED. 

THEY SIMPLY BLOCKED MY ONLINE ACCESS AND THEN TOOK SEVERAL WEEKS TO REFUND MY MONEY.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Trans Union account is showing that my SSN showed two inquiries were made on the dark web on XX/XX/2022. Another inquiry made on XX/XX/2022. Both used telephone numbers that are not associated with me, and I do not recognize either telephone number.
Product: Checking or savings account

In XX/XX/XXXX, I posted my room for rent on XXXX and a woman responded. She seemed very interested in my room. She told me she was in XXXX, that she was a humanitarian officer/medical officer and her boss was going to send me money for rent ( {$370.00} ) and {$200.00} for me for running around for her. I told her not to send me anything and to send it to the front office. She then told me her boss misinterpreted her and he was sending me {$4800.00}, this included her living expenses. She then asked me to cash that money for her and to send her the remaining amount to her travel agent via XXXX XXXX so that she could get to the US. I deposited her cashiers check into my checking account at Wells Fargo on XX/XX/XXXX. When depositing the check from her boss I asked the teller if the check would take 7 days to clear and she told me it would be clear by the next day. On the XXXX I went to the Wells Fargo in XXXX, AZ ( XXXX XXXX XXXX ) to withdraw the money, around XXXX, and send it to her travel agent. Prior to pulling the money out of my account I asked the teller if the check had cleared and she said yes. She said that she was surprised that it had cleared so fast, but it did. Then I withdrew {$4200.00} in cash to send to the travel agent via XXXX XXXX at XXXX. Then on XX/XX/XXXX I checked my Wells Fargo account to see that I was in the hole {$3300.00} in my checking account and that my savings account has been depleted. I originally had {$1400.00} in my checking and {$170.00} in my savings. Wells Fargo then said that the check should have been held until XX/XX/XXXX because there may be insufficient funds in the account of the person who sent me the check. When I told them the story all they did was put a fraud hold on my account and required me to pay the difference. I was told that if I do not start payments on the debt that was against me by XX/XX/XXXX then I would be sent to collections. I also involved the XXXX XXXX XXXX but they were of no help. In the end I had to take out a loan of {$5000.00} from XXXX  XXXX XXXX to pay off the debt and then closed my Wells Fargo Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, i called Equifax to discuss if there is a freeze on my credit report and if so, understand why. When i called, the agent answering my call asked the security questions of which i answered all. Then when I asked my question, the agent said that she will not answer the question. Furthermore, she requested a copy of my social security card and a copy of driver 's license. When i asked why she needed these documents, she still refused to answer and insisted that she will not answer until she receives the requested documents. Two weeks ago, my husband and I were purchasing a vehicle and the dealership was able to pull my credit score just fine. When I wanted to check my credit score, i am seeing resistance that does not make sense to me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

First, I was given a preauthorization letter so as to buy a house. Perfect. Oops ... ..we used the wrong numbers and now its flagged due to debt to income ratio. Ok, I will work with person number two who seems to have a handle on it. She sends it to person number three who asks for ridiculous things like a ten year old divorce decree but doesn't send me the form for the gift letter that I asked for weeks ago. Okay, this gets settled. Now someone will call me from the credit bureau so everyone can see that my credit cards are paid just as I said they were. No call. Now go to the bank and prove the investment money came from investments one and investment two and have the gift letter, which finally arrived, signed and accompanied by a bank statement. Went home, scanned, tried to send it. Portal isn't working. Called. " The notes say you agreed to withdraw the loan. '' " If I agreed to this then why am I trying to send you this information???? '' Hmmm ... ..we will see about reactivating it tomorrow. Meanwhile, here is another person 's email address. AAARRRGGGG!!!! Stay tuned for further developments.
Product: Mortgage

I am An interest only mortgage holder in the year XX/XX/2007 I think I wanted to lower my payments like everybody else. I was advised that because I was current that I could not refinance. The mortgage holder advised me to stop paying my mortgage and do a remod I agreed. when the forcloseure process began I did a remodification the bank lowered my payment put me back in a 30year mortgage again and increased my principal by XXXX. I was always paying interest only on $ XXXX now I 'm paying interest only on $ XXXX I was never paying off my principal just interest only why am I paying interest on on XXXX that I never had
Product: Credit card

On XX/XX/year>, I placed an order with XXXX XXXX using my XXXX USAA. I never received my item. I contacted XXXX XXXX Customer Support immediately, and a representative confirmed that I would receive a refund or replacement. I followed their instructions and replied to every email, including confirming my identity and preferences. 

Despite all that, they are now claiming I never replied and are refusing to give a refund or reshipment, even though I have screenshot proof that I responded multiple times. They are lying and stalling, and I believe this is fraudulent and deceptive. 

Ive attached screenshots showing I followed all instructions, and they ignored me or falsely claimed they never heard back. This has caused stress and financial loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous disputes with Experian regarding incorrect information on my credit report on an account I closed with a XXXX balance and the merchant keeps continuing to report it as 30 days late months after the account was closed. I've also requested debt validation from the XXXX XXXXXX/XX/XXXX which they failed to provide me with. Enclosed are my bank statements along with my credit report that shows there was no balance on the credit card. I've also enclosed a past statement where I made two payments in one month and was still charged a late fee because they held my payment for 11 days. The company refunded it as it was their mistake. However, I've had to dispute them on six different occasions the last being another 30 day late FIVE months after the account was closed. I've also sent XXXX XX/XX/XXXX all my bank statements when I last requested debt validation on XX/XX/2020. I also requested debt validation on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : [ XXXX ] Account Number : [ XXXX ] Date of Charge-Off : [ XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
XXXX an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem stemmed from when I inquired online on XX/XX/2023, from a car dealership -- XXXX  XXXX in XXXX XXXX Minnesota. At first, everything was just about getting an idea of what kind of vehicle I liked and needed, they told me they have the right vehicle for what I can only afford., And then they did a hard credit check and applied to banks/ lenders using my credit score. However, I did not push through with the vehicle purchase. Unfortunately, the XXXX  XXXX in XXXX XXXX Minnesota kept on calling and pressuring me about vehicles they say was a perfect deal, at one point a salesman called while I was sleeping and I just frankly told him I had already bought a vehicle. I purchased the vehicle from a different dealership the same week I inquired from XXXX  XXXX in XXXX XXXX Minnesota. 

Next, XXXX  XXXX in XXXX XXXX Minnesota did a ludicrous thing! I started receiving notices in the mail about rejection letters for a car loan. To this day I've been receiving rejection letters from different banks and lenders, the latest was dated XX/XX/2023. So far, I have more than six or seven rejection letters instigated by the XXXX  XXXX in XXXX XXXX Minnesota. 

I am under deep stress and XXXX over this experience and my credit score plummeted and I want restitution. XXXX  XXXX in XXXX XXXX Minnesota has unlawfully used my name and credit score and consequently tarnished my credibility by purposely applying for vehicle loans in my behalf.
Product: Bank account or service

PNC reneged on {$400.00} promotional offer. The account was closed. After the account was closed PNC continued billing the account for charges and services.
Product: Credit card or prepaid card

Called to make an online payment of the balance due of XXXX. Agent made a mistake and made the payment of XXXX leaving me with a balance of XXXX when I called to make the payment of XXXX cents, I was told I could not make an over the phone payment of. XXXX as they could not process a balance of that amount. I asked if I could make a XXXX payment and was told no as that would leave me with a credit. Agent said I would have to write a check for XXXX or use my credit card to make a purchase in order to have a higher balance to pay the XXXX. I asked if they could write off the XXXX balance as this was their error and was told no, there was nothing they could do.
Product: Debt collection

This phone number keeps calling numerous times a day and leaving no voicemail so it is auto dialing which is against federal law. When you call the number back it states invalid to call another number which again is against federal law.