23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

This complaint is in regard to my desire to apply for forgiveness of my XXXX draw of the XXXX, currently being serviced by PNC bank but originated and approved by the predecessor bank BBVA which PNC purchased last year. 

Going back into XXXX and again in XXXX while a customer of BBVA bank, I applied for and received XXXX rounds of XXXX funding for {$15000.00} each ( $ XXXX total ). The first draw was already forgiven using the BBVA PPP forgiveness portal. To be clear, both BBVA and the SBA had to underwrite and approve each draw for a total of XXXX rounds of underwriting. I now only have the one remaining loan of {$15000.00} that I wish to have forgiven. It has been my intention to use the PNC XXXX loan forgiveness portal but there is a big problem. 

The problem is that there is a discrepancy in the Correct Maximum Loan Amount that must be resolved before any forgiveness application will be approved. There should be no discrepancy for the {$15000.00} yet the portal indicates the correct amount at {$0.00}. 

Clearly, a {$0.00} figure indicates that PNC didnt access the loan documents from BBVA oXXXX the XXXX XXXX If PNC had accessed documents that didnt support the full amount it is reasonable to assume that at least some dollar figure would have been approved. But that didnt happen here. It shows XXXX. That means the bank didnt access any documents. When I spoke with XXXX of their employees in XX/XX/XXXX ( a XXXX XXXX XXXX ( XXXX XXXX I PNC, XXXX, ( XXXX ) XXXX XXXX ) ) I was told that PNC didnt access those documents even though both BBVA and the XXXX XXXX the loan. Therefore, the blocking of the XXXX forgiveness portal due to an outstanding discrepancy is truly a problem of PNCs own making. I did however submit to PNC the documents I originally submitted to BBVA but so far PNC will not accept them for underwriting. Instead they are demanding a host of documents that I never had to submit to either BBVA or the XXXX.
Product: Debt collection

upon checking my credit report i realized there is a collection agent trying to collect a debt that i have no knowledge of i have never signed a contract with them nor have i entered any electronic signature with them nor any of there affiliates
Product: Debt collection

This complaint is in reference to XXXX XXXX XXXX XXXX, and the company they represent, Educational Credit Management Corporation. On XX/XX/2020 I pulled a copy of my credit report to find that there is an additional balance for the same account yet only one balance listed on the statement I received in the mail. I also noticed that the account has an opening date listed with XXXX  and XXXX  but missing an opening date for XXXX  and showing the account as closed. I contacted the debt collectors ( XXXX XXXX XXXX XXXX ) and requested proof of validation on the account. I also asked that all collection efforts cease and desist. In return I received a copy of an itemized list of the same information that I disputed and a copy of a promissory note from Educational Credit Management Corporation. In review of the itemized list I noticed that there was a difference in the total balance and interest balance listed. On the statement dated XX/XX/2020 XXXX part of the list showed the interest balance as {$580.00} and the other part of the statement showed the interest balance as {$700.00}. The statement also showed one part of the total balance as {$8100.00} and the other part as {$8300.00}. I then contacted XXXX XXXX XXXX XXXX requesting more proof of validation and I did not receive a response within the 30-day validation period. I made a final attempt at obtaining sufficient proof of validation on the account but was unsuccessful. I also requested that the inaccurate, misleading, invalidated account is removed but received no response to that request as well.
Product: Credit reporting or other personal consumer reports

VERIFY THE INFORMATION OF THESE ACCOUNTS THAT ARE INCORRECT AND REMOVE THEM FROM MY REPORT. 

XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

I opened a credit card with USAA, as well as a checking account for me and my then-minor son. We used them responsibly. We never had an overdraft, never a late payment, never a NSF, never a issue of chargebacks, nor any other banking issue. We received letters in XXXX that USAA decided to close our accounts, and the decision was final as well as they would not ex-lain why this was happening. It was very inconvenient to have to quickly update auto-pays, move money, open new accounts. It was especially frustrating because we had no negative history with the company, since the relationship began 5 years ago. My credit score is XXXX, my sons is XXXX. I think it has to do with XXXX but I am unable to prove that since the company will not release any info.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Repossession Entry on Credit Report To Whom It May Concern, I am writing to formally dispute an entry on my credit report regarding a repossession of a vehicle. Pursuant to consumer law, specifically UCC 9-506, I believe this entry is inaccurate and does not reflect the circumstances surrounding the repossession accurately. 

The entry in question is as follows : Creditor Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date of Repossession : XX/XX/2023 I respectfully assert that this entry is inaccurate for the following reasons : 1. Lack of Proper Notification : According to UCC 9-506, the creditor must provide the debtor with reasonable notification before disposing of the repossessed property. I did not receive adequate notification of the repossession, nor was I given an opportunity to cure the default as required by law.

2. Failure to Sell in a Commercially Reasonable Manner : UCC 9-506 also mandates that the creditor must sell the repossessed property in a commercially reasonable manner. I have reason to believe that the sale of the vehicle did not meet this standard, and therefore, the deficiency balance may not accurately reflect the fair market value of the vehicle.

3. Violation of State-Specific Laws : Additionally, [ State Name ] state law imposes certain requirements on creditors regarding repossession procedures. I believe that the creditor may have violated these state-specific laws in their handling of the repossession.

I request that you investigate this matter promptly and remove the inaccurate entry from my credit report. Please provide me with written confirmation once the investigation is complete and the entry has been corrected.

Thank you for your attention to this matter. If you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Marcus Savings for their unfair treatment and unreasonable fees. Between XX/XX/2022 and XX/XX/2022, I attempted to pay my rent on XXXX from my Marcus Savings account, only to discover that my account had been restricted without any prior notification or explanation. As a result, the payment bounced and I was charged {$75.00} in bounced check fees. 

I tried to contact Marcus Savings to understand why my account had been restricted, but I was unable to get any clear answers or assistance. This lack of transparency and customer service is unacceptable, and I feel that I have been unfairly penalized for something that was not my fault. 

I believe that Marcus Savings ' actions violate the terms and conditions of their banking agreement, as well as basic principles of fairness and customer service. I request that Marcus Savings reimburse me for the {$75.00} bounced check fee and take immediate steps to improve their customer service and transparency. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax for Inaccurate Credit Reporting and Violation of FCRA Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against Equifax for the second time for their failure to accurately report information on my credit report and for violating multiple provisions of the Fair Credit Reporting Act ( FCRA ) despite a reinvestigation being initiated. 

Account Details : Creditor : [ XXXX XXXX XXXX XXXX ] Account Number : XXXX Type : Auto Loan Status : Charged-Off Summary of the Issue : Equifax has failed to ensure the maximum possible accuracy of my credit report after a reinvestigation was initiated, resulting in the following discrepancies : Conflicting Account Status : The account is marked as " Open '' while simultaneously showing a " Charge-Off '' status. 
An account can not be both open and charged off... This account was PREVIOUSLY closed Incorrect Payment History After Charge-Off : The account was " charged off '' in XX/XX/XXXX. 
However, late payments continue to be reported monthly through XX/XX/XXXX, which is inaccurate as no further payments are due or expected after a charge-off. 

Inaccurate Balance Reporting : The Reported Balance is {$5100.00}, while the Highest Balance is incorrectly shown as {$0.00}. 
These inconsistencies reflect improper reporting practices... The previous bal reported was XXXX Failure to Properly Reinvestigate the Dispute : Despite marking the account with the remark " Consumer Disputes- Reinvestigation in Progress, '' Equifax has introduced new reporting errors instead of correcting the previously disputed ones. 

This is FRUSTRATING and currently hurting my score and reliability with other creditors : Why mark the account " Reinvestigation in process '' but updated the account information that does not match the account status and payments?!? 
Equifax is not doing their due diligence and is STALLING. 

Equifax are violating the FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy in reporting consumer information.

FCRA 1681i ( a ) : Failure to conduct a proper reinvestigation of disputed information.

FCRA 1681s-2 ( b ) : Failure of the furnisher to accurately update disputed information after reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A States i have the right to privacy.

! 5 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.
Product: Credit reporting

I HAVE DISPUTED THIS ISSUE WITH EXPERIAN BEFORE AND THEY STILL LIST THESE INCORRECT ACCOUNTS ON MY CREDIT REPORT. I JUST WANT THEM TO EITHER SHOW ME THE DOCUMENTS THEY SAY THEY USED TO VERIFY THIS INFORMATION OR FOLLOW THE LAW PER FCRA SEC 611 ( 5 ) ( A ) AND REMOVE THEM IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Numbers.1XXXX XXXX XXXX, 2. XXXX XXXX XXXX XXXX, 3. XXXX XXXX XXXX XXXX, 4. XXXX XXXX XXXX XXXX, 5. 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
Product: Payday loan, title loan, personal loan, or advance loan

After my first complaint I tried to work out something with XXXX XXXX told them I can't do a SETTLEMENT, but the refuse to understand my situation. As I mention I'm on a fix income making only XXXX a month. Here is what they told me in an email : XXXX Thu, XX/XX/XXXX, XXXX ( 1 day ago ) to me Dear XXXX XXXX , Thank you for contacting XXXX XXXX . The current payoff on your account as of XX/XX/XXXX  is {$2600.00}. At this point, the lowest offer we can make to settle your account is {$2100.00}. 

In order to secure the settlement, we will need to collect {$530.00} on or before XX/XX/. In addition, you will need to pay the remaining balance within 60 days. 

Please contact our Collections Team as soon as possible at ( XXXX ) XXXX Monday - Friday XXXX XXXX to XXXX XXXX  CT or via email at XXXX to secure this offer. 

Thank you for choosing XXXX XXXX  First off I can't afford XXXX, cause that's just about my whole check and I get paid the last day of the month and can't make it stretch till my next payday. Second only settle for one payment of XXXX and again can't make that payment cause of my fix income. I stated I can pay only {$150.00} a month. That is all I can do. They are refusing to work with me someone who is very XXXX XXXX. I can't call and talk to them cause look at the stress it would have on me, and I'm already having health issues. I give my son XXXX XXXX consent to speak for me. Please CFPB you've got to do something with this company who is not willing to work with me with a {$150.00} a month payment. This is not right. This isn't my fault that I got suddenly ill and can't work a full time job. But they are holding me accountable for it. Times like this I should the XXXX XXXX just go ahead and XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I don't have to live through this kind of treatment from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transcript as of XX/XX/2017 shows I was in school and took 8 credits as required to quality for deferment/forbearance with late payments as a matter of law. Took classes online with XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, Maryland XXXX. It is XXXX XXXX for XXXX XXXX. My student ID # XXXX. 

There was also a request for administrative forgiveness of loan and the interest reported should be canceled along with principal. The loan balance overstated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX  XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$880.00} XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

This complaint is in response to my previous complaint number XXXX. I had stated in the previous complaint that 3 small charges came through on my Capital One credit card. When I had stated that previously I think there was a misunderstanding. Even though at the time I didn't know what those charges were my real complaint was that when I called Capital One to dispute the charges the person I spoke to at Capital One forwarded my call to a scammer. The scammer said they were from XXXX and that my identity was compromised. Since I thought they were legitmately XXXX employees they scammed me out of {$250000.00}. I called the telephone number on the back of my Capital One card XXXX. Maybe that phone number was hijacked but when I thought I was calling Capital One I was probably calling a scammer. I think Capital One should be held responsible for sending my call to a scammer. Since I made this complaint I called another Capital One number that I looked up on the internet and that person verified that that XXXX number has been spoofed by other people forwarded to scammers. The Capital One number I had called was XXXX. I had called this number on XXXX XXXX. I just wanted you to know that. I am now in touch with a lawyer to make Capital One responsible.
Product: Credit reporting or other personal consumer reports

Incorrect addresses list on XXXX and Equifax that do not belong to me : XXXX. XXXX XXXX XXXX XXXX. XXXX GA XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX
Product: Debt collection

On XX/XX/XXXX, XXXX 's sent me an email in acknowledging they have received my billing error dispute for the amount of XXXX. XXXX 's is indicating that I have a past due amount when the amount in question is in dispute. From my knowledge, when an account is in dispute they are not to report my account late for any reason. The creditor shall not take any adverse action against the obligor for disputing his or her account. The online account is showing that account in question is past due.
Product: Money transfer, virtual currency, or money service

XXXX  or cash app fines are not recovered from scram or over charges
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've tried to dispute online and over the phone and still no help in getting this issue resolved. There are 2 XXXX accounts and XXXX XXXX XXXX XXXX. There reporting as installment accounts and past due. Collection agencies ca n't report The type of account are listed as installment. Please remove this incorrect information. Are not a creditor and I have never entered an installment account or agreement with the company. 
The account status is shown as Past Due. Please delete this incorrect information. not a creditor, you can not report an account as past due or current. The XXXX XXXX XXXX XXXX has most recently reported is {$3500.00} and listed this account as 120 days past due. Please remove this incorrect information. There is no payment history to report as XXXX XXXX XXXX XXXX is not a creditor.Terms are listed as 1 month. Please remove this incorrect information. I have no terms or installment agreement with them they are not a creditor. The Payment status is listed incorrectly as past due date as of XXXX2017. Please remove this incorrect information. I have no terms or installment agreement with them not a creditor. Enclosed will be a sample of how Equifax says accounts should be listed and mine is incorrect.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Money transfer, virtual currency, or money service

I'm filing this report because I am a victim of fraud. Someone named XXXX XXXX, owner of XXXX XXXX XXXX and The XXXX XXXX has scammed me and many other people claiming he would find us a winning XXXX product within XXXX weeks. I signed a contract and paid him {$30000.00} in XXXX of XXXX to find me a winning product and {$6000.00} in XXXX to get the products manufactured and he still has not provided me with the products or services. I am going to take him to court but I wanted to file a police report and FTC report first. I have all documentation, and emails with communication from him. There is a group of other people he has scammed for {$30000.00} also. I have all of their contact information. I paid this company through wire transfer with my bank Navy Federal Credit Union. I reported the fraud to my bank but I was told it was nothing they can do to help. Below is the scammers business address which is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

I noticed an account XXXX XXXX XXXX on my credit report thru XXXX and reached out to the listed contact as XXXXXXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : Synovus Bank balance : {$490.00} and was sent a statement with no charges showing only charged off account {$0.00} please remove this from my credit reports due to unable to validate debt with a statements showing I owe {$0.00} that they sent me please see attachment.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against CashApp ( block , inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their 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 and financial losses, and i seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

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 I have fraudulent hard inquiries on my credit report. I file a complaint with the FTC contacted the original creditors and credit bureau. According to the FCRA Equifax is violating my rights sent in all documents and they wont remove them