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

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
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  Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply.

Sincerely, XXXX XXXX Enclosures : Identity Theft Report Credit Report
Product: Checking or savings account

Chase ilegally withheld my interest on a certificate of deposit that I openned in XXXX and matured in XX/XX/XXXX No amount needed to be withheld since I am not required by the IRS whoever Chase without my consent withheld my interest and they havent returned it to me. 
Its an illegal practice and while its not being resolved escalation to other government agencies will be submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion allows companies to place extremely old items on my report. I have had collection accounts that were recently placed on my report that deducted 23 points. I had it IMMEDIATELY REMOVED my score has never gone back up. They allow 1 car purchase inquiry turn into 15 individual inquiries. I know that they are not contacting the companies correctly for my disputes because I have documentation and they tell you to Mail it or call the creditor. I want my credit report to be 100 % corrected. I have been told that I can only dispute something one time. My score NEVER recovers when they allow accounts that are fraudulent or outdated to be placed on your report. I would like a executive to go over my account that SPEAKS ENGLISH VERY WELL. I would like my score done correctly. Including the inquires. They take 33 points off because of 2 inquires and when they finally came off I got 11 points back. This company is solely driven by the companies that pay them to report their accounts. The actual consumer gets roadblocks and data breaches. This company should never be allow to function as a agent for good people trying to succeed in life.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint concerns Credit.com , Inc., a company which access credit reports and provides them to consumers. 

I have tried on multiple occasions to close my account with Credit.com and revoke my authorization to access my credit report. This process has taken many hours and several weeks. I have both tried to use an automated online link to close my account, which has been fruitless ( as discussed in the attached emails and shown by the attached screenshot ), and emailed back and forth several times to try and get support to close the account to no avail. 

In doing so, I have repeatedly revoked my written instructions to close the account in accordance with the provisions of the Fair Credit Reporting Act and the Terms of Service ( in particular, Section 15, which provides that authorization is revoked by " terminating the Service '', which is governed by Section 25, which states that consumers wishing to terminate should contact under Section 17, which provides for customers to contact customer support at support.credit.com, which directs customers to email support@credit.com ) and nonetheless Credit.com has failed to act in accordance with that revoked authorization. 

This, in my view, has violated my rights under the Terms of Service and the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am reaching out to bring attention to the fact that incorrect information is still being reported on my credit file, despite prior disputes.

This matter has not been resolved, and the errors continue to appear on my report. As this situation violates the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( b ), I expect that you take prompt corrective action to address the inaccuracies, which I have detailed in the attached letter. I trust that this issue will be handled urgently and that the neces
sary adjustments will be made to ensure accuracy in my credit report.

Thank you for your immediate attention.
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  Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX Account # 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.
Product: Mortgage

Nationstar Mortgage owes me surplus escrow from XX/XX/XXXX.They are charging me escrow in XX/XX/XXXX. I have paid my insurance for the year directly with the carrier. 
Attached are coverage for the years they dispute that I had insurance and copy of insurance paid.
Product: Debt or credit management

Kohn Law Firm SC XXXX XXXX XXXX XXXX WI ( XXXX ) XXXX XXXX Is trying to duplicate debt charges I repaid to them for a XXXX  credit card. Payments complete in XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681e ( b ), s ( 2 ), i ( 5 ), 1. XXXX XXXX XXXX, Account XXXX, has violated my rights. 

I looked at my TransUnion Credit Report on XX/XX/2024, and noticed some things are incomplete and not accurate. 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 supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete 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 supposed to 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.

In accordance with the Fair Credit Reporting Act. The List of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 1681e ( b ), s ( 2 ), i ( 5 ),
Product: Vehicle loan or lease

I am leasing a XXXX XXXX XXXX from Santander consumer USA. The car had check engine light on when I signed the lease and the engine has never gone of. However, the problem is with the monthly payment. I understand I signed the lease and therefore, it became my responsibility. However, I believe the car was never worth the value of the payment I am making. I am paying {$300.00} monthly for 72 months. That amount is just unbelievable! I have called them multiple times to try to work on reducing the payment to allow me make the payment on time. The have always stuck to the fact that I signed the lease. I was not properly educated about the cost of the leasing and I had no experience on car leasing. I have done everything possible to try to make the payment but it keeps pulling me down on my financial obligations. I have to always have full coverage insurance that is also increasing the cost of my monthly payment. I believe this is a sort of scam that is continuously pulling inexperience lessee like me into financial difficulties. The interest rate is killing me. I believe I have not been treated fairly with respect to the pricing.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2018, I informed the finance company ; XXXX XXXX that I was refinancing my home and that they would pay off the remaining balance of the vehicle. In XXXX, XXXX finally responded and sent me the wrong payoff balance for the XXXX XXXX. The title company tried repeatedly to get the correct balance to no avail. Finally, I XXXX, the title company sent me a hard paper check in the wrong payoff amount to which i sent to XXXX XXXX, since the amount was wrong, I still owed a small balance and I paid that off in XXXX. In the meantime, XXXX marked me late 30 days for the month of XXXX, reported the late to the credit bureaus, then marked the account paid in full in XXXX!
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. 
XXXX # XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX  XXXX # XXXX, and XXXX XXXX, XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX, has violated my rights. 


15 U.S.C section 602 States I have the right to privacy 15 U.S.C. section 604 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid this account off in full. I tried disputing with the credit bureau, and the information has still not been updated to reflect the correct information. I have even sent in my proof that the account was paid in full, but my report is showing still a charge off.
Product: Money transfer, virtual currency, or money service

Currently, Crypto.com holds my money in a XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX I lost access to XXXX Authenticator. 
Followed detailed instruction as per Crypto.com Help Page, sent data to Crypto.com to reset XXXX. 
All identification information submitted according to Crypto.com 's own instructions. 
Later, recieved email demanding yet more identification info and a new picture of myself but now only through Crypto.coms very unreliable program that is very difficult to use. Crypto.com says they will not accept email. 
I am lost. Dont have instruction as to WHERE in app I am supposed to send pic and how?? 

I WANT MY MONEY!!!
Product: Debt collection

I am writing on behalf of my sister. She is a permanently XXXX veteran and has n't owed a credit card since XXXX, and the highest limit on her card at the time was {$500.00}. She received a letter from XXXX XXXX on XXXX XXXX. I recognized the number on the letterhead from our phone logs, all we knew until this letter was that it was an autodialer that would play classical music for 15 seconds or more on our voicemail 2 to 3 times a day. The letter claims that she has a XXXX XXXX balance of over {$5000.00} ( no information from which bank they are representing nor dates pertaining to when this card was opened/closed/etc., that they are willing to settle for an undisclosed amount via check, cash or money order by XXXX/XXXX/XXXX or else the full amount is going to be withdrawn from her bank account. 

First problem is her funds are exempt, her only income is social security and VA compensation. Second problem is that as far as we know we have not gotten a subpoena to go to court, so if there is a default judgment against her account, we were not given an opportunity to come to court to protest the debt, if this debt even exists. Third, 10 days to respond, pay up or else does n't sound like a legal statement for any law office to mail out to anyone. My sister does not have a lot of money and not physically or mentally able to deal with this. Any withdrawals by this firm without giving us any time to validate or dispute the debt, would be devastating.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  in XXXX Ca pulled my credit file without any authorization whatsoever from me in XXXX. This has had a damaging effect on my credit file. I contacted the credit bureaus and they are telling me they have no control over what they report and print, That the only one that can remove this is the [ party that put it on, in this case XXXX XXXX. 

These guys pulled my credit in XXXX with my permission to do a refinance of my home. Then they went and pulled it a second time in XXXX without my permission. This is Illegal and against the law. My name is XXXX XXXX and my social sec # is XXXX my dress is XXXX XXXX XXXX XXXX XXXX ca XXXX.
Product: Mortgage

My loan was transferred from XXXX to XXXX XXXX and during the transfer process I was confused as to who to pay when. Due to this I missed 2 payments ( XXXX and XXXX ) and started paying to the new company XX/XX/XXXX. Because of this they marked me 60 days past due and 30 days for the XX/XX/XXXX. They counted XXXX for XXXX and XXXX for XXXX. I am in the process of refinancing my home and due to this showing up this way XXXX cant close on my refinance until this is fixed. I called and was told to email them but they are telling me it can take up to 30 days and I dont have 30 days. I need to get this fixed ASAP so I can close on my refinance to avoid having any further issues with my mortgage or finances.
Product: Debt collection

Midland Credit Management is using spoofed calling, trying to contact somebody named XXXX XXXX ( I've told them I'm not her ), calling my mobile number up to 5 times daily including weekends betweeXXXX XXXX XXXX  and midnight, even though I keep explaining that this has been my phone number for over three years! I do not know this person. I am not her, and I pay for this line via XXXX. The man I spoke with tonight gave me their address, so I can report them to this agency : Midland Credit Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX with a phone number of XXXX I just want them to stop interrupting my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a letter from an attorney 's office, stating that my XXXX XXXX XXXX credit card had been charged off and they were taking it over. I called XXXX  XXXX XXXX to ask about why the card had been charged off since I hadn't gotten a bill, notice, or statement in quite a while. XXXX  XXXX XXXX told me that I had a " cease and desist '' placed on my account, which prohibited them from sending anything to me. To be crystal clear, I never asked for, authorized, or approved a cease and desist to be placed on my account. I opened a dispute with the credit bureaus, and XXXX XXXX XXXX did nothing to change the status or work with me to try and fix this issue. Had the cease and desist never been placed on my account, I would have received bills, statements, and notices ; then I never would have gotten this far behind in payment. But the cease and desist put my account in very bad standing, thus affecting both my credit history and derogatory remarks, among other aspects of my report. XXXX XXXX XXXX was unwilling to resolve this when I called as well, and the woman I spoke to saw nothing in the notes stating that a cease and desist was requested by me ( since it wasn't ). I have written to the attorney 's office that XXXX XXXX XXXX charged my account off to, and have not heard a response from them either. Further, I have opened a complaint with the XXXX XXXX XXXX ; they have opened the complaint with XXXX   XXXX XXXX, but XXXX XXXX XXXX has not responded to them about this either. XXXX XXXX XXXX is clearly dodging the subject and trying to show me as solely responsible, but again, I did NOT request, authorize, or approve a cease and desist being placed on my account.
Product: Credit reporting or other personal consumer reports

PLEASE DELETE THE UNTHORIZED INQUIRIES LISTED BELOW 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$14000.00}
Product: Debt collection

Midland is in violation of the UCC 9-210 by failing to provide an authenticated record of accounting, which I requested on XXXX XXXX. Midland is also in violation of 15 U.S.C. 1681 for willfully furnishing inaccurate/unverifiable information to a consumer reporting agency, after being notified of the error. I am currently owed {$1500.00} for both violations. My only other option is to sue for damages if the account is not removed immediately. This is my final warning.
Product: Mortgage

THERE WAS NO XXXX XXXX XXXX. 

A XXXX XXXX XXXX was paid and released in XXXX. The balance was transferred to XXXX. 

XXXX was added to the XXXX XXXX loan in XXXX. 

XXXX and XXXX were both paid off separately in XXXX. XXXX XXXX paid off both mortgages. The XXXX XXXX 2nd mortgage paid off the XXXX loan with {$34000.00} taken from the second mortgage along with {$44000.00} to various credit cards.-including {$7000.00} to XXXX XXXX credit card. 

XXXX was paid and released in XXXX. 
The XXXX XXXX second mortgage was paid and released in XXXX. 

The XXXX  XXXX first mortgage was paid but NOT released until XX/XX/XXXX after FDIC gave power of attorney to XXXX to release the mortgage transferred twice by XXXX and XXXX XXXX XXXX. This was done promptly but with no date of the payoff We have contacted both FDIC and XXXX. That I need the exact actual date the XXXX XXXX first mortgage on my house was paid from the payments made. 

This is extremely important as XXXX XXXX has {$350000.00} of my proceeds from the sale of my house for a loan I already paid. 

Everyone is aware of this but nothing has been done. I am days away from paying a penalty for the money I had to take from my retirement account to move into the new house. 

I want this investigated and I WANT A CHECK.
Product: Debt collection

XX/XX/XXXX & XX/XX/XXXX I entered into an agreement with a debt collection company to pay a credit card debt. The amount owed was paid in full and the account was closed. It was for a credit card I believe XXXX bank. I have never heard anything since and have not seen the debt reported on my credit reports as deliquent after being paid off. Recently this Featured Mediation LLC company has been calling XXXX times a day to my husbands phone and to family friends stating I have no choice but to pay the debt or have my wages garnished XXXX % and have legal proceedings brought against me including jail time. The calls are constant and very threatening. We have saved some of the voicemails that have been received since giving up answering the calls. A letter has been sent to the company requesting they stop contacting via phone ( although it may not have been received as of this complaint as it was just recently mailed ). I 'm not even XXXX sure if the debt they are claiming is the same as the one I paid as I paid off a XXXX and they are stating XXXX, but it 's the only credit card I had at that time.