23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hello I am writing you to ask your help in a SBA PPP loan related matter, for which I have no other recourse but to write to several government agencies, yours not the least. I have a {$40000.00} PPP loan with PNC bank, but they have taken it upon themselves to renege on the original agreement, which was that if I used more than 75 % of the loan towards payroll related expenses that the loan would be 100 % forgiveable. They are now asking for {$17000.00} of this loan to be paid back to them, even though I have complied fully with the original terms. This is a breach of contract and an insult, that the bank should want a cut of the money given by the Government of the United States to the people, for the express purpose of keeping businesses hurt by the COVID pandemic, and not for enriching bankers who are now setting up interest bearing loans that we have to pay back. I have written the SBA, who says they have not yet set up an appeal process for cases such as this, but they say an appeal process is pending. I can not wait for this machinery to be in place ; I must act now before the bank demands its money bank on its usurious and illegal terms. I am also writing the Attorney General of the State of New Jersey, the Dept of Consumer Affairs, and any other agency that might be able to assist beleagured PPP loan recipients like myself. I would be more than happy to supply every documentation that I have regarding this, which is comprehensive, to you if you need it to investigate, which I am hopeful that you will do. Please contact me back at XXXX, that is to say in electronic writing. I do not think banks should push people like me around, a small business owner in the XXXX  field ( XXXX  office ) who provided XXXX  care and XXXX  health services throughout the covid period, assuming personal and business risk to do so, and for whom this money was meant for, not the banks to enrich themselves. If you could please respond with any help at all, I would be most grateful. Thank you - XXXX XXXX, MD, XXXX, XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, NJ XXXX, tel ( XXXX  ) XXXX, cell ( XXXX ) XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I called XXXX  to find out why did their name showed up on my credit they told me they dont have my information in their system. I informed the agent that theres an inquiry with the company name on XX/XX/2023. The agent said he will send a letter to confirm its wasnt authorized via email. I waited and no email came in. The next day I call and got another representative who also said they dont have my information in there system. He advised that he is going to reach out to his supervisor and will follow up. I still have not heard from them. its almost 2 months and no follow up or letter.
Product: Student loan

My income driven recertification form ( XXXX XXXX. XXXX ) was provided to XXXX on XX/XX/2019. The recertification reason, as checked in box number 1, was " I am submitting documentation early to have my income-driven payment recalculated IMMEDIATELY. '' However, XXXX mis-read that the box checked was the second box which states " I am submitting documentation for the ANNUAL recertification of my income-driven payment. '' This is not the box that I checked, and my signature on the form provides evidence of this fact. The annual recertification is in XXXX. I paid {$240.00} on XX/XX/2019 and at that point I had a XXXX balance, with reference to my billings. I timely uploaded my paystub on XX/XX/2019 which show my income is below the poverty level. At that point and going forward, billings should be XXXX. Instead, XXXX has continued to bill me for {$110.00} until XXXX because they interpreted the box in number 1 of the form XXXX XXXX to be the second box ( as outlined above ). They have continued to bill me monthly, with interest, after XXXX, 2019 instead of XXXX monthly billings. 

We called them and emailed them on numerous occasions in attempt to resolve these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX on XXXX separate occasions, the latest which was XXXX/XXXX/XXXX. At first, I did n't recognize the items because the entity on the report was different than those listed on the report previously. The credit bureau investigated the item and found the original creditor sold the debt to a collections agency called Meade & Associates, and informed me the information was accurate and provided the following contact information : Meade & Associates XXXX XXXX XXXX XXXX 
XXXX, OH XXXX Ph : XXXX On XXXX/XXXX/XXXX, I filed for bankruptcy and placed under the automatic stay pending the discharge. Upon its discharge on XXXX/XXXX/XXXX, I obtained credit reports to verify the correct reporting of the items included in the bankruptcy. The accounts held by Meade & Associates had account numbers as follows : XXXX XXXX XXXX XXXX XXXX These accounts were reflected to show a XXXX balances with the correct tradeline entry stating the account was XXXX in Chapter XXXX bankruptcy. However, the company failed to report the accounts as closed and are still reporting them as outstanding, derogatory balances. 

The collection agency in question confirmed that they had received notice of the original filing and further down the line, an order of discharge. These documents were also made available to XXXX and later sent to Meade & Associates to support my claim. I contacted Meade & Associates on XXXX/XXXX/XXXX to ask for a correction of this erroneous information and was informed that they would take no action to change the reporting of these items. I told them about what I had gone through in the dispute process and that I would take further steps in order to compel a change in the reporting of these accounts and was sarcastically told " Good luck with that. '' and reiterated that they had no intentions of changing the reporting of these accounts. 

The same dispute with XXXX and XXXX resulted in the removal of those records from their respective credit reports. All documents supporting my position are attached to this complaint, including the schedules of my bankruptcy that reflect the inclusion of these debts and the discharge order itself.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of XXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX BALANCED {$0.00}
Product: Prepaid card

I received an Amex eGift Card. This includes an email You have received an American Express eGift Card from XXXX. And on there I clicked the link to validate and print the card, which loads on XXXX XXXX XXXX XXXX /account and shows a balance. I attempt to use this on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.
Product: Checking or savings account

The check was not honored. 
Chase has not explained to me why the check was not honored.

Chase has prevented me from accessing the account through Chase.com
Product: Debt collection

Never received a bill for this debt. Debt is from XXXX XXXX of Louisiana, however I have been living in North Carolina since XX/XX/2017. Unable to offer payment of debt before being sent to collections due to no bill being received.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Experian Information Solutions , Inc. for repeated and intentional violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, 15 U.S.C. 1666b, and related provisions. As highlighted in the CFPBs XX/XX/XXXX report, Experian has displayed systemic failures in handling credit reporting disputes, and my case exemplifies these issues. 
Experian has failed to properly investigate my disputes and continues to report inaccurate information on my credit file, specifically regarding accounts with XXXX XXXX XXXX and XXXX XXXX XXXX Despite submitting detailed disputes, registered correspondence, and supporting documentation, Experian has neglected its duty to ensure the accuracy of the reported information or provide verifiable proof of claim, resulting in significant harm to my creditworthiness and financial standing. 

Summary of Issues : XXXX XXXX XXXX Account ( Originating XX/XX/XXXX ) : Experian inaccurately reported a late payment during an active billing dispute, violating 15 U.S.C. 1666b and 12 CFR 1026.13, which prohibit reporting late payments while disputes are unresolved.

Experian failed to verify the accuracy of this information under 15 U.S.C. 1681i, continuing to report an inaccurate paid charge-off status that misrepresents my financial behavior. 

XXXX XXXX Account : Experian continues to report inaccurate payment history, despite multiple disputes with supporting documentation. 
Experian has not conducted a meaningful reinvestigation or adhered to its obligations under 15 U.S.C. 1681s-2 ( b ), leaving inaccuracies unresolved and harming my credit profile.

Legal Violations : Failure to Conduct Proper Investigations : Experian failed to meet its obligations under 15 U.S.C. 1681i to reinvestigate and verify disputed information, neglecting to provide any supporting documentation for its reporting.

Intentional Misreporting During Disputes : By reporting late payment data during active disputes and failing to correct inaccuracies, Experian violated 15 U.S.C. 1666b and 12 CFR 1026.13.

Non-Compliance with CFPB-Documented Standards : As outlined in the CFPBs XX/XX/XXXX report, Experians systemic disregard for FCRA requirements reflects broader patterns of negligence that harm consumers like me. 

Impact on Me : Experians actions have caused significant harm, including : Reputational Damage : The inaccurate information misrepresents my financial behavior, harming my credibility. 
Financial Loss : Denied credit opportunities and higher interest rates due to Experians reporting failures. 
Emotional Distress : The unresolved inaccuracies have caused stress and frustration as I have sought to protect my financial reputation. 
Attached are copies of my dispute letters, Experians inadequate responses, and supporting documentation highlighting the inaccuracies. These documents further demonstrate Experians failure to investigate my claims and comply with FCRA requirements.
Product: Debt collection

I had an auto loan with VW Credit for our XXXX XXXX mini-van. At the conclusion of that loan I deliberately refused payment on the final XXXX of XXXX payments ( {$840.00} ) of my auto loan because VW would not repair an ignition recall as they could not provide an adequate engineered part. I paid for this repair out of my pocket and sought civil suit against VW for repayment which we settled in XXXX of XXXX. 

While I was attempting to get our ignition repaired I refused to pay the XXXX ( {$840.00} ) of XXXX payments to VW Credit until I was reimbursed for the recall which I paid out-of-pocket. Since I refused to pay, VW Credit sent harassing letters and phone calls insisting I repay the final debt. I was very clear of my reason not to pay the debt was because VW refused to reimburse my out-of-pocket expense for the failed recalled part. VW Credit began calling several of my neighbors on our street advising who they were and that they were attempting to contact me regarding an unpaid debt. VW Credit calls to my neighbors is a practice known in the collection trade as block parties and is intended to create public shame on the consumer, but in reality is legally slanderous and is deemed an unfair practice in violation of the FTC 's Fair Debt Collection Practices Act ( 804 Acquisition of location information ; 805 Communication in connection with debt collection ). I contacted my Missouri XXXX regarding this violation of the FTC Fair Deb Collection Practices Act to which VW Credit responded AND ADMITTED to this illegal block party practice in an XXXX XXXX, XXXX memo. I have a copy of VW Credit 's ( XXXX XXXX 's ) XXXX/XXXX/XXXX response to our Missouri XXXX. VW Credit said in the memo, " VW Credit stopped these practices in XXXX XXXX, we updated our procedures so that we no longer contact neighbors in an attempt to locate a customer ''. Unfortunately our Missouri Attorney General continues to investigate my complaint and has taken an unnecessary amount of time since VW Credit in their XXXX XXXX, XXXX memo clearly admitted to the illegal practice.
Product: Debt collection

When I lived at my prior address on XXXX XXXX, I contracted XXXX XXXX for internet services. After about 30 days of service we canceled our plan and paid out the account in full to have our service agreement fully closed. 
About 2 years ago, XXXX XXXX began attempting to collect on unpaid service for the months following the cancelation of the plan, and a new early termination fee. We disputed the charges directly with XXXX XXXX and gave a copy of our payout and termination agreement. Copies of our bank account showing that the fees were withdrawn by their company and the date/time this happened. 
Now every few months a new collection company calls, adding fees and service charges to the " debt '' illegally inflating the already invalid debt. 
No matter how many times we ask them to take us to court for a final settlement, they keep sending it to new debt collectors that only want money. As soon as I ask to go to court for final settlement it is passed along, jacked up and ran through my credit again and again.
Product: Debt collection

I have requested that this company Optimum Outcomes Inc, send me proper validation that this account is mine and is correctly reporting to the credit bureaus, but they have failed to do so. I have been requesting information about this debt for the past 6 months and have not received any information. According to FDCPA : The collection agency has 30 days to respond to your request. If they dont, they are not allowed to make any more collection attempts on the debt. If they do, theyre in violation of the FDCPA. 
I have requested that Optimum Outcomes Inc. send me the below information : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased? 
Amount paid if debt was purchased : Commission for debt collector if collection efforts are successful : A copy of the agreement with your client that grants ( Collection Agency Name ) the authority to collect this alleged debt. 
A copy of any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. 
A copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. 
Copies of all statements while this account was open. 
Have any insurance claims been made by any creditor regarding this account? YES or NO ( circle one ) Have any judgments been obtained by any creditor regarding this account? YES or NO ( circle one )  Please provide the name and address of the bonding agent for ( Name Of Debt Collector ), in case legal action becomes necessary : Authorized Signature For Creditor But since it has been more than 6 months I am requiring that Optimum Outcomes remove all information from all three credit bureaus.
Product: Checking or savings account

On XX/XX/year>, I went to the Wells Fargo at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had {$490000.00} in cash. XXXX stacks of {$10000.00}. I went to deposit it. They did not handle it correctly according to their own standards. Instead of taking me to a backroom with at least XXXX bankers, they made me do the transaction at the window in the lobby with XXXX teller. She instructed me to give her the bags they were in. I gave her at first XXXX clear plastic bags, each containing XXXX stacks of {$10000.00}. She emptied the bags, cut the bands off the stacks put the cash through the counter and put new bands on the stacks. She handed me the empty plastic bags. I asked how much was there. She snapped back, " I have to count all of it to get the total! '' She hand gestured at me to give her the rest. I then gave her XXXX zippered bank bags each with XXXX stacks of {$10000.00} each. I then see her take a tray of stacks to the backroom. I could hear her behind the plexiglass saying to her collages, " we're keeping what was in the plastic bags ''. She remarked to me with a mean face, " you should of thought outside the box, there's a lot of storage facilities in this town ''. She comes out and gives me a deposit receipt for {$350000.00} posted at XXXX XXXX. I immediately complained to the branch XXXX. She told me she would start an investigation. I also called the corporate office as well. On XX/XX/XXXX, I get a letter stating that they found that the deposit was handled properly and that I should consider the claim closed. I met with the XXXX of the branch a few weeks later and the first statement she said was, " you have to get a subpoena to get the video. '' I told what happened to bankers at the XXXX XXXX XXXX Wells Fargo branch that I had been going to for years in XXXX. I get called from XXXX in the XXXX XXXX XXXX Wells Fargo and I told her what happened. She sends me an email a week later telling me that their decision remains the same. I have filed a complaint with the FBI but have not heard back from them. in total I believe {$140000.00} was stolen from me.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. XXXX XXXX XXXX XXXX XXXX, MO, XXXX, XXXX XXXX XXXX, XXXX, MO, XXXX, XXXX XXXX Pl, XXXX, GA, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly a closed account with a balance due of {$2500.00} on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) I have never had an account with XXXX. I did not apply for a card and I did not authorize any cards be opened in my name. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this item, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ) XXXX XXXX ) 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.
Product: Mortgage

My name is XXXX XXXX. I am XXXX years old widow. I am living on a fixed social security income supplemented by my daughters and some part Time work. I want to let you know that I do not want to loose my home .Not at this age, I have been dealing with wells Fargo trying to retain my home to no success. My home was in a foreclosure sale last Friday. My attorney is trying to file an objection of sale. I hope that the bank can agree. 
My attorneys requested a motion for an extension and it was denied. We needed a little more time to finish modifying my loan. I am not moving from my house.. My daughters are helping me support the home. I am in this situation due to the fact that I refinanced thinking that I was going to relive the stress of the mortgage payment when my husband passed on and it became worse. I am a victim of Predatory lending.. I was never explained that I was getting an interest only loan or adjustable.. Refinancing again is not an option for I owe more than what the home is worth. Please I need for you to hear me out and help me. Your quick response will be gladly appreciatedThank you
Product: Debt collection

Midland credit Management is attempting to collect a debt that I do not owe them. It specifically says debt buyer on my credit report, which means they purchased my personal information without my consent or knowledge which is considered identity theft. 15usc 1681e ( b ) suggests i should have maximum accuracy over my credit report and the things that they are reporting. They can not provide a binding contract between myself and Midland saying I agree to do business with them or owe them anything. Them providing copies from the original creditor is not proof I owe Midland. According to the Constitution, the only way you can pay a debit is with silver and gold! Everything they are reporting does not meet the FCRA 15usc 1692 g. they have not been willing to provide me with the requested documentation. I believe that their failure to properly verify the debt is a violation of my rights under the Fair Debt Collection Practices Act. Therefore, I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Midland Credit Management complies with the law. I would also like to request that Midland Credit Management be held accountable for any violations of my rights as a consumer. Statue of limitations have passed from original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was behind on my car note that resulted in a repossession. The car was in their custody for a total of XXXX days. The date was XX/XX/2022. I was instructed to pay a payment of {$2200.00} to retain my vehicle. This was to cover six months of payments that I was late on. I paid it on XX/XX/2022. I received my car back on XX/XX/2022 from the lot. I recognized that balance on the account that is not being reported to the bureau in its current state. I also noticed that my car is currently being reported in a closed status but the car is in my possession. I would like the status of my account to be brought back to a open status and the account balance to reflect the amount that it should be after my payment on all three bureaus.
Product: Credit reporting or other personal consumer reports

I am formally disputing the presence of unauthorized, fraudulent, and inaccurate information that appears on my credit report. This information has been unlawfully provided by creditors and reported by XXXX without my knowledge, consent, or any lawful basis. The reporting of this information represents clear violations of several federal laws, including but not limited to : - 15 U.S. Code 6802 ( regarding the right to opt out of information sharing ), - 15 U.S. Code 1681b ( regarding permissible purposes of consumer reports ), and - 15 U.S. Code 1681c-2 ( regarding the blocking of inaccurate information ).

In addition, the unauthorized use of my personally identifiable information may rise to the level of identity theft, punishable under 18 U.S. Code 1028A, and I hereby assert my rights accordingly.