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

To Whom lt May Concern, I am writing to formally dispute unauthorized and fraudulent information appearing on my credit report and to request an immediate investigation underthe Fair Credit Reporting Act ( FCRA ). As a victim of identity theft and the XXXX breach, my personal information has been compromised, including XXXX  criticalfindings tied to my identity within the breach. This aceount andlor inquiries were made without my knowledge or consent. Under the FCRA ( S 6058 ), I request these items be blocked from my credit report. Additionally, under 15 U.S. Code $ { 681c- { ( protection of personally identifiable information ) and 15 U.S. Code $ f 68 { e ( b } ( accuracy of information in consumer reports ), you are required to ensure the accuracy and privacy of the information you maintain.
Product: Vehicle loan or lease

On XX/XX/XXXX, I called Peak Acceptance on my behalf for explanation on why my auto account was still opened from XX/XX/XXXX. They gave the total amount due of XXXX and it will remain open until its paid off in full. I have asked if they can change the Open Account to Repossession or Charge-Off, they refused.

I went further to my next step to work with XXXX  Credit Bureau.

On XX/XX/XXXX, I contacted XXXX  over the phone to explain my situation with Peak Acceptance, and they tried to do a three way call, but no one picked up on their end of the call. So, I continued to finish up the dispute on-line and did a follow-up over the phone with XXXX. On XX/XX/XXXX, I received an email that my dispute results were ready online. I finally was able to contact XXXX by phone to get the results and asked why Peak Acceptance refused to change my credit report on my open account? Again, the Representative with XXXX made their effort to dispute on my behalf and they were also given the same information that my account will remain open until its paid in full. This gave me the opportunity to consult CFPB to hear my end of the story where I ; m trying to work things out on my own. At this point, I have to go further than I expected.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$800.00} XXXX  XXXX Balance Owed : {$1600.00} XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I bought my wife a one-carat diamond ring to commemorate our XXXX wedding anniversary in XX/XX/XXXX, using XXXX XXXX Credit Card issued by Comenity Capital Bank XXXX It took me 30 years to buy her a diamond ring, and it needed another 12 months to pay it off. However, due to personal circumstances, I could not pay the remaining account balance in full in XX/XX/XXXX, the last month of the twelve-month promotion. The balance in XX/XX/XXXX was {$400.00}. Shockingly, I found that Comenity Capital Bank imposed a {$480.00} finance charge in the XXXX statement, which included all interests accrued in the past 12 months. Although I filed a dispute to request a waiver of the finance charge, it had been rejected. Until I checked Account Summary of the XXXX XXXX Credit Card website in XXXX, I absolutely had no idea that interest had continued to accrue over the past 12 months! I have been receiving paperless online PDF statements so that its hard to check the monthly statements line by line, page by page. I cant understand that Summary of Account Activity on the first page of the monthly statement and Account Summary of the XXXX XXXX Credit Card website state nothing about interest accrued for the past 11 months until XX/XX/XXXX. Above all, Comenity Capital Bank placed details on interest accrued for the past 11 months on the third page of the four-page statement, which I cant understand at all. Surprisingly, however, the XXXX statement shows all account activities and accrued interest as the attached XXXX statement shows. It proves that Comenity Captial Bank has intentionally and deliberately hidden information on account activities and accrued interest to confuse customers and give them false information! No one would imagine that interest accrued for the past 11 months would be charged at once since it was listed or shown nowhere. I doubt if all of the above is Comenity Capital Banks fair business practice to their customers. Although Comenity Capital Bank should have notified transparently that they would charge all interests accrued in the past 11 months or impose a certain amount ( {$480.00} or whatever amount ) as the finance charge in XXXX if the account balance is not paid in full by the XXXX payment due date, they didnt do so. Their warding on the monthly statement is so unclear that it seems to intend to confuse customers and prevent them from paying the remaining account balance in full. To sum up, Comenity Capital Bank significantly forces customers to accept an unfair condition. Accordingly, this is an unfair contract since it forces customers to accept an unfair condition disadvantageous only to consumers. I think I only have to pay interest on {$400.00} since my remaining account balance was {$400.00} in XXXX.
Product: Mortgage

I refinanced my Wells Fargo home loan, the refi loan closed and was paid in full on XX/XX/18. On XX/XX/2018 they charged XXXX to PMI. There is no balance to cause a PMI charge, this doesnt make sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I literally have no idea. I just put in an application for XXXX XXXX two days ago and my background consumer report from you guys came back and it says I am a XXXX XXXX XXXX But, I have never did nor was accused of such. I believe I was terminated from my old job because of this as well. So, please I need someone to get this straightened out.
Product: Debt collection

I sent in a letter of validation to Penn credit Corp. For a debt that has been on my credit report since 2014. Under the Fair debt collection practices, asking if agency can provide validation under 15 USC 1692g Sec.809 { b }. I sent in my letters because I do not own this debt. After 30 days I received a letter from Penn credit with nothing showing that I own this debt.
Product: Credit reporting 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/, I was scammed out of over {$800.00} through multiple PayPal transactions. The scammer convinced me to send payments under the " Friends & Family '' option, which I later learned does not offer buyer protection. After each payment, I received fake text messages impersonating PayPal, falsely claiming that my payments were refunded. Believing these texts to be legitimate, I continued sending payments. 

Here are the details of the payments I made : Transaction IDs and Amounts : XXXX - {$100.00} XXXX - {$100.00} XXXX - {$100.00} XXXX - {$100.00} XXXX - {$100.00} XXXX - {$100.00} XXXX - {$100.00} XXXX - {$100.00} XXXX - {$50.00} XXXX - {$50.00} XXXX - {$100.00} The payments were sent to several email addresses provided by the scammer, including : XXXX XXXX XXXX XXXX After realizing this was a scam, I contacted PayPal immediately and provided evidence of fraud, including : Screenshots of the fake refund text messages sent from ( XXXX ) XXXX, which impersonated PayPal. 
Email conversations with the scammer outlining their fraudulent requests. 
Proof that I did not receive any promised goods or services. 
PayPal refused to assist, citing their policy that " Friends & Family '' transactions do not qualify for buyer protection. My bank, XXXX, initially refunded the amount as part of a dispute but later reversed the refund after the scammer submitted fabricated documentation falsely claiming the transactions were legitimate. 

I am seeking assistance in holding PayPal accountable for facilitating these fraudulent transactions. Despite clear evidence, PayPal has failed to : Properly investigate the fraud. 
Take appropriate action to recover my funds. 
Address the loophole that allowed the scammer to exploit their " Friends & Family '' payment system. 
This has left me out over {$800.00}, with no resolution from either PayPal or XXXX. I am requesting that PayPal conduct a thorough investigation and refund the stolen funds.
Product: Credit reporting

I am filing this complaint because Experian has ignored my request to provide me with documents their company has on file that was used to verify the accounts I disputed being that they have gone past the 30 day mark and can not verify these accounts. Under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified " that I have disputed. Please resolve this matter as soon as possible. Thank you
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding FCRA violations on my credit report. After disputing XXXX XXXX - XXXX last month, the account was removed but has since been re-added without prior written notification, which is required by law. 

Additionally, XXXX  XXXX - XXXX is still reporting a balance, despite having been sold to the same collection agency now reinserted on my report, leading to duplicate reporting. Both accounts must be removed due to inaccurate and misleading information. 

XXXX also failed to validate this information as accurate within the 30-day FCRA dispute period. Please correct this promptly to avoid further action. I have attached proof that the account was deleted and re-inserted. 

Please reference XXXX v. XXXX XXXX XXXX, XXXX ( XXXXXXXX XXXX XXXXXXXX ) and XXXX v. XXXX, XXXX, and Trans Union XXXX XXXX. XXXX XXXX ) where courts have upheld consumer protections under the FCRA related to re-insertion without notification and double reporting.
Product: Mortgage

I XXXX XXXX XXXX, a consumer performed a consumer credit transaction in XX/XX/2020. A Home Loan Application was approved for {$370000.00} ( {$370000.00} shows on the home sales contract ) and I was given a Home Loan umber XXXX. However, I did not receive the credit, or the house I purchased and/or wanted to purchased. I want to know what happened to my credit/asset?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a collection to XXXX, TransUnion, and XXXX that is not valid and is violating my rights as a consumer, 15 USC 1692g
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortionXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I returned a leased vehicle to Volkswagon ( VW ) Credit in XX/XX/XXXX. In XX/XX/XXXX, I received a tax bill from VW Credit for that leased car in the amount of {$1100.00}. The county said the whole-year bill was {$790.00}, which VW Credit paid . Volkswagon did not provide my county with a return date, as theyd presumably planned to bill me for the whole year + several hundred dollars. Note : I paid end-of-lease fees separately ; this bill was solely for county taxes. When I provided my county with proof of when the leased vehicle was returned ( which I obtained from XXXX ), my county sent a refund to VW Credit in the amount of {$590.00} ( {$330.00} and {$250.00} ) around XX/XX/XXXX, having satisfied the actual tax bill of {$200.00}. VW Credit cashed the checks for {$590.00} on XXXX XX/XX/XXXX. I sent my check of {$200.00} to VW Credit to satisfy the tax bill and reimburse VW Credit on XX/XX/XXXX, and as requested, the check was sent to XXXX XXXX XXXX XXXX XXXX. VW Credit has repeatedly sent me bills for ( varying amounts, but more recently ) {$310.00}. VW Credit has been completely unresponsive as I have attempted to remedy this matter with them. After repeated attempts to contact them, and after receiving several bills, I sent a cease and desist letter, and they continue to send bills. I have filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX which they completely ignored, and they continue to send bills. I emailed VW Credit through the XXXX  site, and they did not respond. I do not owe VW Credit any money, and want them to acknowledge my payment for the tax bill, and that I do not owe them any money.

VW Credit has an XXXX rating with the XXXX  and I was not even ABLE to file a complaint through the XXXX website -- the site would not submit the form.
Product: Credit reporting 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, Account name : # XXXX has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragra
ph ( 1 ) of any information disputed by a consumer, an item of the information is found to be in

accurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reas
onable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( 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.
Product: Checking or savings account

On XX/XX/year> I went into Regions Bank on XXXX XXXX and XXXX XXXX to open up a Savings Account with XXXX checks I received from XXXX to purchase equipment. I spoke with XXXX XXXX and XXXX her about the job I just received and my concerns about if the checks were valid. XXXX asked me if XXXX was asking me to purchase money orders and I told her no. She looked at the checks and said they look good to her, and she opened up a XXXX for me and deposited the checks herself and stated I would be fine. I also told XXXX that the company stated they would have the funds released tomorrow. I was then asked to purchase XXXX gift cards to purchase equipment and XXXX funds for equipment. Unfortunately, it was a scam that I had no knowledge of and as a result Regions closed my Checking account with over {$1500.00} in it. I went up to the Bank after calling Regions Customer Service advising me it was fraud. I was very upset and spoke with XXXX. XXXX stated they were investigating, and they would contact me and she would get my funds released. I never heard back from XXXX or Regions. I visited again and also spoke with XXXX XXXX who stated she just put in a ticket today ( after XXXX weeks of me calling and visiting the branch ) to get the funds released and that they would contact me the next day, Friday. I asked XXXX a couple times is there any particular reason why no one at Regions has returned my calls or contacted me. XXXX did not have an answer. XXXX also stated she could tell by looking at the checks that they were fraudulent. My question to XXXX was if XXXX is a personal banker why couldn't she do the same? XXXX stated that XXXX told her that she had some concerns about the checks, and she told me that. I told XXXX that was NOT our discussion, and I'm completely appalled as I would have NEVER opened a Savings and deposited the checks. I then called Regions today, again, and left a message for XXXX this time to call me. Today was the first time someone from regions finally returned my call after I left a message that it was very disrespectful no one was returning my calls. XXXX stated that they denied releasing the funds after her and XXXX told me they would get funds released. Honestly, I think XXXX dropped the ball on this and now Regions is trying to make me eat the cost. Here are the things I have a problem with : XXXX ) Already expressed my concerns before depositing checks XXXX ) Personal Banker approving and depositing the checks totaling {$8900.00} XXXX ) No one at Regions can tell me how the hold was lifted XXXX ) Both XXXX and XXXX advised me they will have my funds released XXXX ) No one at regions returned my phone call until today, XXXX weeks later XXXX ) XXXX then stating, XXXX weeks later that XXXX had concerns about the checks ( why would she deposit them ) Is it standard for a Bank not to return calls or tell a customer what's going on with their account? XXXX definitely dropped the ball on this one. Not to mention I'm currently unemployed and looking for a job so I definitely need my funds.
Product: Credit reporting or other personal consumer reports

Why would the XXXX XXXX XXXX XXXX place me into a mitigation program when I have never been late on a mortgage payment? Because they intentionally created a late payment when the loan for the balloon payment was being processed, so they could place this account into mitigation and they would not have to go forward with a risky foreclosure on a XXXX year old, XXXX veteran. I have been a member with XXXX for 40 years. A first mortgage for 20 years and a second mortgage for 15 years with several credit cards and have never defaulted on any of my obligations. I have immaculate financial integrity. XXXX years ago, the XXXX representative talked me into a interest only loan, so bad they do not offer it anymore. It matured in XX/XX/2023. In XXXX I submitted an application to pay that loan off. With artificial qualifiers, they said I did not qualify ( I had already been paying that loan for 15 years ). They intentionally delayed their processing by asking for superfluous information, information they already had, claiming I owned a home that I didn't, failing to submit subordination paperwork to the XXXX causing the 2nd mortgage loan balloon payment to become due while they had control and custody of that loan. Then they submitted to the credit bureau a late mortgage payment, allowing them to put me into mitigation and prevents me from obtaining a mortgage loan from other lenders to pay off the XXXX loan. a perpetual interest only payment. I implored to the loan offer to correct their mistake, he refused. I contacted XXXX XXXX, on the Board of Directors and he took sides with an incomplete narrative, which lacked full disclosure, from his employee. I contend XXXX was unjust in submitting a late mortgage payment to the credit bureau when they had custody of that loan and had plenty of time to process new payments, which I can clearly afford to pay. Now, they have stolen {$210000.00} from me. The amount another mortgage loan company was at the cusp of approving until the credit bureau flagged my account. I can not pay off XXXX as long as I have a missed mortgage payment recorded with the credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it  may conc erns, I am writing regarding a few accounts that have been on my credit report with Equifax for more than 7 years. I have contacted Equifax many times and they have refused to assist me. These accounts have been satisfied and closed with a zero balance but Equifax has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to Equifax and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court papers against Equifax because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance and should be removed/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance.   Here is the list of all the accounts :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   ( Account opened in   XXXX   )   XXXX   XXXX   XXXX   XXXX   XXXX  ( I HAVE NO CONTRACT WITH THIS COMPANY AND THEY WERE ABLE TO OBTAIN MY MEDICAL RECORD WITHOUT MY AUTHORIZATION ) PUBLIC RECORD : TAX LIEN ( PLEASE SEE ATTACHED DOCUMENT ). THE REFERENCE NUMBER IS  XXXX . IT IS PAID IN FULL AND SHOULD BE DELETED.   I have also hard inquiries that were previously removed from my credit report but have reappeared with absolutely no reasons at all. I have sent certified letters requesting assistance and they have never responded to any of my requests : This is the list of inquiries that should be deleted from my credit report :   XXXX   XXXX   XXXX     XXXX   XXXX    XXXX   XXXX    XXXX   XXXX    XXXX   XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   Thank you