23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a business owner and applied for a PPP Loan in XXXX with my bank ( Bank of America ). After receiving a deposit for a little over XXXX I used every penny of it on my staff 's payroll. At the time the application was submitted I had XXXX employees. After I submitted my forgiveness application I was told I did not qualify for 100 % forgiveness. They were only going to forgive approx XXXX of it. This has left me a XXXX + payable that has all been legally spent on payroll. I was told by Bank of America that they overfunded me and did not realize that I had more 1099 's than W-2 employees. I put the entire staff on as w-2 employees the minute that I received the money. I have reports stating the use of funds. I had no idea that the 1099 payroll would be a problem, but as I stated, they all went immediately to W-2 which puts money in the state and federal government 's hands with the payroll taxes that I paid and the employee 's have paid along with other employee related expenses. I have asked my banker for almost 2 months to send me the loan documents that were submitted at the time of the loan and he has not been forthcoming with these documents at all. I was happy to receive the loan considering the immense uncertainty that took place at the onset of Covid-19. I did not know if we would be in business or shutting down. When the loans came out there was a strict deadline by which the money could be used, so I gave everyone raises to the point that the money would all be used by the deadline. Halfway through the higher payrates, the deadline was extended. I did not reduce the amount of payroll. I maintained a much higher pay rate for my employees and at the time that all loan money was used, I lowered all payrates back to their original amount. I have tried to work with the SBA and my bank to plea my case, but all they seem to care about is the payroll reports for XXXX. I need someone to forgive 100 % of my PPP loan based on what the money was used for. I was overfunded and that was the SBA/Bank of America 's fault for not actually looking at they payroll reports from XXXX. Now I'm in huge mess with this outrageous/unnecessary amount of loan money to pay back that my company simply can not afford. This loan was meant to help business stay in business and pay their employees ... .that 's exactly what happened and now they want me to pay it back. I have already started making payments. This is going to cause me to lay people off and cancel any plans for growth and possibly bankrupt a business I started in my garage in XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting the companies and credit bureaus for XXXX now and nothing has been done. I have been a victim of identity theft. I have been so stressed over this account and these addresses that dont belong to me. It has been causing me to be denied for further credit and it has really taken a toll on my family financially during the pandemic. I need TransUnion to take this complaint seriously and delete the account and the addresses immediately. I have attached a copy of the Federal Trade Commissions Identity Theft Affidavit.
Product: Checking or savings account

I filed a dispute with chime on XXXX. XXXX is regards to unauthorized charges totaling XXXX. I notice the authorized charges when I got my phone back because it was stolen. Chime email me back today stating no error occurred very vague email with no detail informed i was original told that I would be giving a Provisional credit by XX/XX/XXXX. Now my claim is denied for charges I didnt make while my phone is stolen rent is due this week now i dont know what to do at this point
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX  # XXXX account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX  XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account name : XXXX  XXXX # XXXX Account name : XXXX  XXXX # 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 a account without my written instructions 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 than 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. And i have filed police report as well
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX has violated my rights XXXXXXXX XXXX XXXX Account # XXXX has violated my rights XXXX XXXX Account # XXXX has violated my rights The Bureaus Collection Account # XXXX has violated my rights 15 U.S.C section 602 A. States i have a right to privacy 15 U.S.C Section 604 A Section 2 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states " no consumer reporting agency may make any consumer report containing any other adverse item of information other than records of convictions of crimes which antedates the report more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) states 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 the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several letters to all XXXX credit bureaus- XXXX XXXX TransUnion XXXX and XXXX disputing this Account with XXXX  XXXX Bank XXXX They keep sending me a letter that this account was verified, but have failed to explain WHY, WHO, & WHEN? They have failed to present me with their method of verification. They have also failed to show me original documents bearing my signature with this account. This account also shows a few incorrect information such as the ''date opened '', and ''date of last activity ''. Please delete this incorrect and unverifiable information from my credit report.
Product: Debt collection

Hello, I received a written communication about a debt from XXXX from the collector ERC stating that I owed {$360.00}. I explained that this debt was actually my deceased father 's debt, and that when I was acting as POA for him when he could not sign for himself that I was asked to sign in his place and the agent explained it was an account in my father 's name. I then explained how I had spoken to XXXX who said if I could prove my father 's death and when he was transferred from the service address to the XXXX home they would adjust the amount owing to be that date and that the bill would then fall below the threshold for any collection attempts I said I would provide them that information. I did submit via email the XXXX home records and death certificate for my father. Months ago. I hadn't heard anything again from XXXX ( and I have internet through them myself as well as cellular service ) that the debt was taken care of as promised. Then the ERC agent told me they would forward my dispute to their Dispute Team who would investigate the matter. I asked for a contact number for the team who would be handling the investigation and she told me " there is not a contact number they will be reaching out to you '' she repeated this when I explained I wanted to be able to follow up with that department and send them documentation of what was going on. I then asked to speak with a supervisor who then got on the line and told me the whole speal about this being an attempt to collect a debt ... I then asked for the same Dispute Team contact info and was told there is no dispute team and that the dispute goes back to the client. She got VERY upset when I told her they had lied to me and that it was fraud. I am absolutely disgusted by this.
Product: Debt collection

I have contacted Credence Resource Management on numerous occasions during the month of XX/XX/XXXX regarding a collection account on my credit report. the amount is {$260.00} and the original creditor said XXXX XXXX XXXX XXXX. I also contacted the credit reporting agencies because I had no information on the debt. No one could provide me with detailed information. On my credit report it said XX/XX/XXXX. I have been with XXXX for many years so I was confused. I called XXXX XXXX XXXX and was told I had no account. After repeated calls and attempts to locate an account on their website I spoke to someone who was able to give me the information that the account was From XXXX, he also said that although I had a zero balance when the phone was transferred to another service there could have been charges after the fact (? ). I had no knowledge of this and was not able to locate information without numerous disputes to the credit agencies and spending hours chasing down information. Credence Resource management was not only rude and aggressive but they had no information as to the details of the debt. I have since found out it was incurred after I changed cell phone companies, moved and changed jobs. I offered to pay XXXX XXXX XXXX but they will not remove it from my credit report and the collection agency has the wrong date and is reporting it as a late payment as of this year ( it says on my credit files past due as of XX/XX/XXXX ). I need this debt removed from my credit file ASAP. none of the information was reported correctly and no one has been able to help me. PLEASE HELP ASAP. I am a single mother and I am trying to buy a house. I was told it wouldn't do any good to pay it because the collection agency will continue to report it late in XXXX and it will stay on my credit report as a collection file with the starting date of the debt as! XX/XX/XXXX. This is not fair and if I'm not mistaken is not legal. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX XXXX Several times with EXPERIAN and its coming back as verified, After doing my research XXXX XXXX XXXX was involved in a class action law suit due to reporting inaccurate information on consumers files. In my case the date of delinquency is not showing correct per my report showing 30 days late in XXXX and XXXX and reporting a active payment history after the account charged off, Experian will not do nothing but auto verify this account and make the CFPB believe that the account is being verified, Experian is failing to follow up the written laws w/ the FCRA I have made several attempts to get this verified and nothing has been done
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reviewed all three of my credit reports and I've noticed that multiple of my accounts are showing inaccurate information. Ive tried countless of times to dispute via phone and online portal with no results. These accounts have inaccurate loan balances, late payments, credit usage and account type. Please fix the following so it can be accurate with all three credit reports XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( BALANCE ), XXXX XXXX XXXX ( BALANCE ), XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inaccuracies on my credit report need to be removed and blocked from my credit file soon as possible I can not obtain any credit in my names because of this problem please have high concern of this manner it is effecting my financial life thank you EQUIFAX!
Product: Credit reporting or other personal consumer reports

Experian consumer report reflects XXXX different charge off dates with XXXX XXXX XXXX. XXXX XXXX XXXX is reporting on several different dates as charge off dates when it should only reflect XXXX charge off date or Experian is reporting this false and inaccurate information in my credit report. My Experian report also states that XXXX XXXX has written off this debt per my Experian report. If so, this account should not reflect a balance ( maybe a past due amount but not a balance ). Also, if XXXX XXXX has written off this debt they was suppose to provide me with a 1099 tax form so that I can or could have file this debt with the IRS. I have already check my account with IRS.gov and checked all transcripts from XXXX and it does not have anything from or for XXXX XXXX XXXX XXXX Either way this does not meet the FCRA regulations and/or guidelines. This is consider false reporting. Report is attached to validate this errors.
Product: Credit reporting or other personal consumer reports

I've made disputes with all credit bureaus, Experian is the only one who keeps reporting innacurate information with my XXXX XXXX XXXXXXXX Account, and reporting an address that I've never lived at. All credit reporting agencies have deleted the incorrect address on XXXX XXXX and report XXXX XXXX XXXX as a closed account. There is also a collection from XXXX XXXX XXXX for this address that I never lived at, and although I show them proof of where I lived in the USA, and even that I was working out of the country, they continue to report this false info.
Product: Credit card or prepaid card

I have a XXXX card with XXXX XXXX. I paid my account on time and I also linked my bank account to my account. They suspected fraud on my account I called and verify myself no answer spoke to customer service rep they told me they was waiting for my payment to post, my payment posted ( XXXX XX/XX/2018 XXXX XXXX XXXX ( ending with XXXX ) Online Payment $ XXXX ). They told me they will forward it to so many departments. They block my card, I have no access to my card and I have to make biweekly payments to them. The fraud dept told the customer rep to black list me because of fraud. I applied for this card and had this card for over two months and paid on time and out of air the fraud department said I am a fraudelent person.
Product: Mortgage

I have been struggling with the servicing department at Dovenmuhle regarding setting up an auto-draft of bi-weekly payments. I finally got it setup, and because their form is contradictory, they setup my bi-weekly payment to include an extra principal amount of {$200.00}. When completing the form my intention was to make a draft of {$100.00} with each bi-weekly payment. 

I contacted their servicing department. The only way to change it is by sending an email to a strange email address. The customer service representative was very rude ( as have been all of their representatives ). She sent me an email and said I should respond to it. She would not include my loan number in the email, but said I had to include it in the subject heading in order for my request to be processed properly. I asked her why it was okay for me to respond to a non-secure email with my non-public information, but it was not okay for her to send it to me. She did not offer to setup a secure portal to communicate securely. I asked to speak with her supervisor. I was placed on hold, then after about a half an hour on hold, the phone line disconnected. When I tried to call back, the message said that they are now closed. 

The representative could not guarantee that they will draft the correct amount when the first draft is scheduled. This is not in the consumer 's best interest. This servicing company continually provides worst in class service, has systems which are not up-to date, and do not have systems in place to protect my non-public information.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of this account on my credit report. Upon reviewing it, I discovered inaccuracies that need immediate attention. 

Firstly, this account was not part of any bankruptcy proceeding and should not be reported as such. Secondly, the balances reported for this account is incorrect and do not reflect the actual amounts owed : There was an error in reporting this account, and I request they be removed or updated to reflect their accurate status. I understand the importance of maintaining accurate credit information and ask that you conduct a thorough investigation into this matter. 

XXXX, XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is illegally on my credit report I have not supplied proof under the doctrine of estopped by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists
Product: Credit card or prepaid card

I have been the victim of 3 scams, regarding men from dating service, Our TIme, asking for money. # 1 XXXX went to XXXX for gold, over purchased and was unable to get out of the country Since XXXX, due to custom fees, tax fees, jail fees after striking a airport employee preventing him getting on the plane, and hospital fees after suffering a XXXX XXXX. He was working with a tour guide XXXX, and an attorney XXXX XXXX. Claims he has money in shares but all tied up since he is out of the country, Lives in XXXX, one of his residences. Loss of XXXX and now in debt at least this much from him. 
# 2 Contracted physician working XXXX XXXX requesting help with XXXX XXXX for vacation requests. have spent XXXX in various fees to get the vacation released. Bitcoin and one wire for transfer and still not granted due to I am unable to come up with the final {$2500.00}. required to meet the vacation request. Met XXXX XXXX XXXX stating that he lives in XXXX, however found that he is in XXXX XXXX for contracted job and needs to get out of XXXX XXXX, Was injured in XXXX himself, gunshot wound. Funds locked up at home in bank due to being out of the country. XXXX has been sent to XXXX for his release. XXXX XXXX paid and sent XXXX of the last XXXX after promising to send {$3000.00}. But still owe XXXX or they will cancel the vacation and we will have to start over. Money paid at bitcoin. Still not released. Loves me to the moon and beyond and can pay everything back once out for the vacation. All I need to do is come up with the remaining XXXX and get him out and he will reimburse me 100 % plus more for my trouble and stress. 
# 3 Our time friend 1-2 months XXXX XXXX. Went to XXXX as airplane repair job for 3 engines that needed to be replaced. Needed money as soon as he got there for custom fees, {$5000.00}. I said no and did not hear from him for 30 days. He needed my help. I was his only hope. His banker financial adviser would front the money to my account and pay credit cards as we used them to obtain money to send to XXXX in XXXX. Payments started being returned to creditors, and I have been left with XXXX debt which I can not pay off. Supposedly has unconditional love for me and ready to marry. Banker stole money from my XXXX XXXX XXXX Father 's bank account that showed in my profile after having obtained access to the account in error. 
Rules to dating. You are the queen, if they want to date you they pay and never give money to them. Never talk or date anyone outside a 50 mile radius, never allow access to bank accounts. But now I am the one who needs help. What can be done?
Product: Credit reporting or other personal consumer reports

I received a notification from XXXX that XXXX XXXX XXXX  performed a hard inquiry on my report on XX/XX/XXXX. I spoke with XXXX  XXXX on XX/XX/XXXX and was told that someone used my information to apply for a XXXX Credit Card located in the Washington XXXX DC area. I informed them that I did not apply for this card and it must be someone else. They flagged the application and said they would notifying the credit bureaus. However I havent gotten any communication from XXXX XXXX since. 

I put a freeze on my report and filed a dispute with the 3 credit bureaus. They informed me that I need to first file a complaint with the FTC which then routed me to the CFPB. 

I am still waiting for the police to get back to me with a report number.
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the Equifax data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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